may 1, 2010 issue 11

P R E S E N T E D B Y T H E G O L F I T E A M

May 2010 - Vol 17

Rob GolfiSales Representative

75 Tomahawk, GrimsbyWe want to thank you for all the special attention youhave personally given towards the sale of our home!You never made it seem like we were high maintenance, eventhough we were. You were always available to answer manyof our questions. We really appreciate your generosity andobviously we will recommend you to anyone we know.Thanks so much!

Jill & Sav

SOLDSOLD

ANOTHERANOTHER

ONEONE

WATERFRONT

Sell Your Home with the GOLFI TEAMThe GOLFI TEAM is ranked in the Top 100 Re/Max Teams in Canada

RE/MAX has over 18,000 Sales Representatives in Canada

Sharon StaffordSales

Representative

Heather ReidSales

Representative

Hans MarcelissenSales

Representative

Wendy Murray-Nicholson*Sales

Representative

Penny BryceSales

Representative

Sarah DallicardilloAdministrative

Assistant

Rosemary FournierAdministrative

Assistant

41 Church Street

STONEY CREEK $749,900Endless OpportunityGORGEOUS WATERFRONT! Investment or In-law potential. 2 renovatedseparate units plus 1 apartment. Updates include landscaping, newer roofing,decking, flooring, awnings, wiring, plumbing, kitchen and much more. Don’tmiss out on this one of a kind opportunity.

Visit www.RobGolfi.com for more details.

MarketWatch May 2010_MarketWatch_Transfer.qxd 09/05/10 11:53 AM

The GOLFI TEAM Real Estate Market Watch May 2010

www.golfiteam.com

Since the inception ofhis career in 1997,Rob Golfi has

recognized that understandinghis clients’ needs is essential toproviding excellent service.

As business grew, Robassembled the Golfi Team in aneffort to maintain the samelevel of professionalism clientshave come to expect. Shortlythereafter in 2003, the teamreceived the prestigious honourof being among the top 100Real Estate Teams forRE/MAX Canada, and thisstatus continues to date.

Rob’s experience andaggressive negotiating skillshave earned him every majorhonour awarded by RE/MAX,including President’s Club,100% Club, Platinum Club,Chairman’s Club, Hall ofFame, the Lifetime Achieve -ment Award in 2006 and theSRES® designation in 2009.Having worked with many ofthe industry’s professionals

over the years, he has thenecessary edge to best negotiatethe sale of your home.

Any agent can list yourhouse, but Rob’s knowledge,extensive marketingbackground and dedicationgives clients peace of mindwhen dealing with the singlemost important investment intheir lives. With years ofcombined experience, the GolfiTeam can provide your homewith a level of exposure thatmost agents cannot. Utilizing ateam approach also means thatthey will likely find a purchaserto buy your home sooner, ratherthan waiting for other agents toapproach you with potentialbuyers.

Ranked in the top 5 of nearly2,000 sales agents in theHamilton-Burlington and Niagaraareas, listing with Rob and theGolfi Team is the right choicewhen choosing someone torepresent your best interest. -Å

About Rob Golfi

by: Rob Golfi

The Solution

Fill in the grid above, so that each row of

9 squares, each column of nine and each

section of nine (three squares by three)

contains the numbers 1 through 9 in any

order. There is only one solution for the

puzzle and the numbers shown can NOT

be changed.

5

6 1

2 7 1 5

4

8 7 9

1 3 2 6

8 3 16

8 4

7 9 8

S U D O K US U D O K U

“My real estate agent found me this place. I said I wanted a homethat requires no yard work, no painting, no snow shoveling.

A place where the weather is perfect and neighbours never complain about my music...”

Most basements, by the sheer natureof the fact that they are built into theground, present the possibility that watercan intrude, turning what was once a drybasement into a wet basement. This isbecause water in the soil can put constantpressure on basement walls. Plus, waterfollows the path of least resistance insidea home and over time can find its wayinto a basement.

Throughout my real estate career,I've encountered more problems with wetfoundations and basements than anyother physical problem in a house.Therefore, it's important when buying ahouse with a basement to check for signsof dampness in the basement. It's better tofind out before you buy than afterwards,especially since you can't rely on sellerdisclosures. Why can't you rely on sellerdisclosures? Because the sellers mightnot know about it. If the sellers did haveknowledge, however, and failed to dis-close the water problems in a basement, itcould be:• Difficult to prove in court

• Take years to get into court

• Expensive to sue

• Very expensive to dry out the basement

This is why you should always,without fail, get an independent homeinspection by a qualified and accreditedprofessional.

Signs of a Damp BasementWater stains along walls or floor.

This could be caused by something sim-ple such as an overflowing laundry tub or

it could be a result of water seeping inthrough basement windows, the walls orthe floor.

Musty odor or damp smell. Excessmoisture in a basement can cause anunmistakable smell.

Mold. It could be colored black,brown, yellow or green, and you won'tknow for certain if it's mold without test-ing it. Often the northwest corner of ahouse is known as a "cold corner" andsusceptible to developing mold.

Efflorecence. This condition pro-duces a white or sometimes grayish ashon the walls. Sometimes it sparkles.Efflorescence is caused by salt depositsleft behind by evaporating water.

Spalling. When water gets inside thesurface of concrete, brick or stone, saltdeposits from the water cause the surfaceto flake away, peel or pop off.

If you plan to hire an inspector, Callthe Better Business Bureau and followthese tips:• Make sure the person worked as an

inspector for several years.

• They should perform at least 250inspections a year.

• Ask what type of report they will pro-vide. Ask for a comprehensive reportwith pictures.

• Make sure they’re licensed and bond-ed and carry liability insurance.

Don’t just take their word on thesethings. Ask for proof and then call theirinsurance company and the licensing

board for verification. -Å

How to Spot a Wet Basement

Selling your Home?Home Evaluations

Call Rob Golfi today905-945-0188 or 905-575-7700

NOT INTENDED TO SOLICIT PROPERTIES CURRENTLY LISTED FOR SALE.

MarketWatch May 2010_MarketWatch_Transfer.qxd 09/05/10 11:53 AM Page 2

CODE # NS188

GRIMSBY $1,075,000

Extraordinary 4 Bedroom CustomApprox 4800 sq.ft w/lakeviews. Oak kitchenw/granite counter-tops, blt-in appls & terracotta tiles. Large family room, oak hrdwd,dining rm w/vaulted ceilings, living rm w/fp,main flr den, master with 5 pc ensuite & in-ground pool.

GRIMSBY $369,900

Walk to the MarinaGracious double door entry to this 2 storey4 bedroom home. Sweeping Oak staircase toboth upper and lower levels. Formal diningroom & awesome family room, huge kitchenhas ample counterspace and cabinetry.

Call Today 905-945-0188

Rob Golfi*

Grimsby & Lincoln

May 2010 The GOLFI TEAM Real Estate Market Watch

CODE # M200CODE # S53

GRIMSBY $649,900

Lakefront!!3+1 bedroom in Bal Harbour with gleaminghardwood floors and new broadloom. Greatroom has wall-to-wall windows and spectacularlake views. Several walkouts to backyardparadise with heated inground pool surroundedby amazing perennial gardens.

GRIMSBY $208,400

Quiet LocationLoads of potential and priced to move! New roof09, refaced kitchen, windows 06. Spaciousliving room, separate dining room. Fenced yard,large 12 x 24 deck and parking for 6 cars!.

GRIMSBY $689,900

Country LivingCustom Colonial on 48 acres! 3 bedrooms withfull finished attic. Master has 5pc ensuite witheuro shower and spa tub plus cedar lined closet.3/4" oak plank floors, solid birch kitchen withgranite counters and cozy fireplace.

CODE # C33

CODE # K5

CODE # B227

VINELAND $299,900

4 Bedroom 2-StoreyScenic Wine Route location! Stately centre hallplan. 4 bedrooms, 2 fireplaces, formal livingroom and separate dining room. Updated oakkitchen has built-in appliances. Finishedbasement has walk-up to back yard.

CODE # K3619

WATERFRONT

WATERFRONT

GRIMSBY $1,499,900

2 Acre LakefrontHuge waterfront lot! 3+1 bedroom home withadditional self contained in law suite. Openconcept great room with cathedral ceilings,gleaming hardwood floors and floor to ceiling-wall to wall windows!

CODE # l71

WATERFRONT

BEAMSVILLE $259,900

Prime CommercialDowntown core storefront with large window,front and back entrances can suit 2 businesses or1 large one. Rear parking and municipal lot.New furnace, 2pc bath. 1800 sq ft of businessspace with GC zoning, plus 2 bedroomapartment on upper level.

CODE # K4993

WEST LINCOLN $285,000

8.9 Acres of Country!Unique stone front situated on a beautiful ruralproperty that backs onto picturesque ChippawaCreek. 900 ft frontage on South Chippawa Rdoffers great seclusion. 3 bedrooms, hugeprinciple rooms, eat-in kit & sun room.

CODE # SC7441

WEST LINCOLN $229,900

Quiet Country Setting1,100 sq ft, 3 bedroom bungalow built in 2002. Open and bright with high basement that'spartially finished with 2 rooms and a rec roomthat just needs flooring. 3,000 gal cistern, gasfurnace and 100amp breaker service. Close toCaistorville Golf Club.

CODE # Y9597

GRIMSBY $324,900

Country LivingCountry living close to town! 3+1 bedroomraised ranch on 120x165 lot. Huge kitchen withtons of cabinets and counterspace has slider todeck. Spacious rec room with cozy fireplace.Great family home with room to roam.

CODE # PT77

GRIMSBY $389,900

Open ConceptWonderful 3 bedroom with upper level familyroom with gas fireplace. Large kitchen withtriple garden doors to pressed concrete patioand fenced yard. Spacious master has 4pcensuite and walk-in closet.

CODE # D236

GRIMSBY $349,900

Elegance & CharmGorgeous 2 storey 3 bdrm family home boastsa bright foyer, ceramic floor, Palladianwindows, 2.5 baths and fireplace in upper levelfamily room. Main floor laundry, finished recroom, eat-kitchen and doors to private deck,concrete walk-way and fenced yard.

CODE # K288

GRIMSBY $489,900

25 Acres Zoned Private Rec.Unique property zoned for private clubrecreational use; suitable for many types oforganizations w/mutual picnic area.Banquet/dance hall 2500 sqft with 12 ftceilings, FP, full kitchen facilities, bar area, coatcheck, bathrooms & spacious bsmt for storage.

CODE # B31

GRIMSBY $609,900

Escarpment SettingIncredible 2900 sq ft all brick 4BR homebacking onto escarpment. 9’ ceilings, gorgeousrich hardwoods, gleaming granite counters,gourmet Kitchen. Huge master with luxury 5pcensuite. Professionally finished basement.

CODE # B4071

BEAMSVILLE $349,900

Gorgeous 4 BedroomFinished top to bottom with huge maple kitchenwith breakfast bar & oversized slider to 2-tiereddecking. 4 spacious bedrooms, master withensuite and walk-in closet. Quiet location closeto parks in popular Bench Area.

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CODE # K24

GRIMSBY $222,900

Bright & Beautiful End Unit! 2 bdrm bungalow only 6 yrs old. Ceramic flrs& backsplash in eat-in kitchen, Living roomw/gas FP, laundry hook-up on main level &professionally finished bsmt. Quiet complexw/quick access to the QEW. Won’t last!

CODE # B14

GRIMSBY $299,900

Classic 2 Storey HomeBuilt in 1992. Approx. 1600 Sq. ft. with 3bedrooms. Features incl. back yard w/stonepatio & access from eat-in kit. Spacious familyrm w/hrdwd floors & wood fireplace. Park-likesetting on great lot! Close to schools, parks &QEW!

CODE # M55

GRIMSBY $299,900

Impressive Top to Bottom!Amazing 3 bdrm home in great area! Fullyfinished w/recent updates. Bright eat-in kitchenw/large bay windpw, hrdwd on mn lvl & slidingdrs from sep. din rm to priv. resort style bckyrd.New furn(’10), shingles (’09) all vinyl wndws& fully fin’d bsmt.

jusT lisTEd

CODE # M457

GRIMSBY $549,900

Great Value - 1 Acre Lot3 bedroom, 3000 sqft all-brick beauty on 1 acrelot! Built in 1990, features incl. solid oak drs,trim & kitchen cabinets w/granite counter-tops.Gleaming hrdwd flrs, finished basement, crownmolding, 50 yr clay tile roof & 3000 galloncistern.

jusT lisTEd



www.golfiteam.com

Rob Golf i*

STONEY CREEK $689,900

Exquisit Custom Built Home3500 sq ft Gourmet European kitchenw/granite. Gleaming hardwood &custom tile. Luxurious master suite with2 sided gas fireplace shared with 5pcensuite. All 4 bedrooms have walk-inclosets.


Exclusive Waterfront Waterfront! Rare find on private laneclose to Fifty Point Conservation area.101ft of waterfront, park like setting andsolid 3 bedroom bungalow. Substantialbreakwall, well treed mature lot, amazingsunrises and sunsets included!

uppER STONEY CREEK $479,900

Fantastic 4 BedroomVery Cool Layout!! 4 bedrooms withspiral staircase and gleaming hardwoodentry. Den, living room and formaldining room, family room with fireplace.Resort like yard has built-in pool andinterlock patio. Loads of updates!

HAMILTON WEST $83,900

Condo ApartmentOpen and bright bachelor/studio condoapartment on main level. Close to McMaster andhospital. Perfect for student or nurse. Updatedkitchen and bathroom. High ceilings. Securebuilding with front entrance with securitycamera. Visitors parking. One parking spot.Exercise room and laundry.


Lakefront Condo End UnitLuxury end unit condo with maple washcabinetry, granite counters, tumbledmarble backsplash, stainless appliances.Maple floors, 9 ft. ceilings, 2 ensuites,private patio overlooking lake. 660 ft. ofprivacy on the water.


3 Bedroom GemWaterfront!! Rare gem, 3 bedroomloaded with character, restorationsunderway! New kitchen (09), livingroom with beamed ceiling & pine plankfloors 0throughout! Balcony with slidersfrom all 3 BRs upstairs, amazinglakeviews!


On Turtle PondFantastic contemporary for 3 bedroomsand in-law with private entrance. Openconcept, breathtaking design with qualitycustom finishes. Very private locationbacking on to Turtle Pond, a designatednature sanctuary.


Designed with Style!Former Model home. 4 bedrooms, den &loft, eat-in kit, formal living and diningrooms, awesome Fam rm open to 2nd flr.Professionally finshed basment.Amazing landscaping. Gleaminghrdwds, porcelain tiles, surround soundthroughout, tons of upgrades.

HAMILTON EAST $139,900

Great Starter HomeGreat starter close to all amenities. Eat-inkitchen with door to rear deck and yard.Spacious living room. 2 bedrooms, one on themain level, the other very private on the upperlevel. The main floor den has been redone and isquite unique. Easy to maintain sized lot, sidedrive and shed.Copy


Executive with In-LawIncredible 3500 sqft, 4+1 bedroom, 2-storey home with in-law apartment onlower level. Features include main floorden, cathedral ceilings, luxury ensuite offmaster bedroom, dining room with wetbar, quick access to QEW.


Oversized Heated GarageSouthern Exposure & huge deck to enjoyit on!! 3 bedroom home with manyupdates, new Ikea kitchen! Freshlypainted & loaded with character. Largeworkshop with heat & hydro. Manyupdates already completed, don’t missout.


4+1 BedroomBright and immaculate. Fresh paint,crown moulding, porcelain tile and KulmHardwood. Eat-in kitchen, separateliving and dining room. Main floor denand laundry. New shingles (08) andunderground sprinkler system.

CODE # F524 CODE # M484 CODE # W229


Totally RenovatedTotally renovated Zoned IndustrialResidential, ideal for many uses. QuickQEW access , huge fully fenced 75x200ft lot. Spacious living room w/newlaminate, eat-in kit, updated bath. Newhi-eff furnace, 2yr old sump pump.

CODE # M426

CODE # W62 CODE # l20 CODE # J478


Thousands of UpgradesOpulent décor & finished top to bottom.Maple and Granite custom kitchen,formal dining room, huge family roomwith gas fireplace. Master with 5pcensuite. 4+1 bedroom. Impeccablelandscaping with interlock, cabana & hottub.

CODE # W28

CODE # T6 CODE # F5 CODE # rr35 CODE # H81301

CODE # M1950


3 Bedroom Raised RanchImmaculate 3 bedroom with fullyfinished basement. Spacious living roomand dining room. Eat-in kitchen has beenupdated and boasts ample counter spaceand cupboards. Updated vinyl windows,concrete drive and patio in fenced yard.

CODE # BV85

STONEY CREEK $749,9O0

Gorgeous WaterfrontInvestment or In-law potential. 2renovated separate units plus 1apartment. Updates include landscaping,newer roofing, decking, flooring,awnings, wiring, plumbing, kitchen andmuch more. Don’t miss out on this one ofa kind opportunity.

CODE # C41 CODE # M1849

jusT lisTEd jusT lisTEdWATERFRONT

WATERFRONT WATERFRONT

WATERFRONT

WATERFRONT

SOLDSOLD

ANOTHERANOTHER

ONEONE

SOLDSOLD

ANOTHERANOTHER

ONEONE

SOLDSOLD

ANOTHERANOTHER

ONEONE


If youwant it

SOLDCall Rob Golfi905-575-7700

or visit

www.RobGolfi.com

HAMILTON $179,900

A Handyman's DreamFabulous w/dream garage plus wrkshp.Stunning kitchen w/brkfst bar, crownmoulding, marble counters & slatebcksplsh. Updated furnace & main flrwndws ('10), shingles ('08), plus updatedbaths & flring. Huge master bdrm,private yard & parking for 4.


Ideal 3+1 bedroom HomePotential student rental, minutes to Mac.Upgrades galore – brand new eat-inkitchen ('10) with granite counter tops,new appliances, private sunroom. Newshingles ('07). Separate walk-out frombasement studio-style apartment.

HAMILTON $199,900

Fabulous Semi3 bdrm semi-detached bungalow! Allbrick & immaculate! Newer shingles,Eat-in kit w/ceramic, hrdwd flrs plusfully fn’d bsmt w/kit & bath. Potentialin-law suite. Furn & C/A (06’) Fullyfen’d yrd on lrg lot & concrete drv.


Walk to MacWalk to Mac!! All brick 3+3 bedroomhome! New shingles and windows. Hieffeciency furnace & C/Air (07),oversized water heater installed (05),newer plumbing & water line. Basementwaterproofed. Ethernet/cable in allrooms!


Easy to OwnCozy 1½ storey 3 bedroom home withupdates galore! Awesome main floorfamily room. New ceramics andbacksplash in fresh white kitchen. Masterbedroom in converted attic space withensuite. Oversized detached garage.

ANCASTER $589,900

Instant Appeal - 3 BedroomsIncredible open concept 3 bedroom withopulent finishes. Gleaming darkhardwood, formal dining room, hugegreat room with fireplace. Kitchenw/granite counters and island breakfastbar, porcelain floors and garden doors toyard.

HAMILTON $269,900

Desirable AreaFantastic 1½ storey in desirableneighbourhood! Feats. gorgeous hrdwdunder broadloom, mostly updated vinylwindows, new furnace (‘09), prof. fin’dbsmt converted into an in-law setupw/rear entry. Situated on large fencedyard.


Just Move In!Everything is updated, just move in!Refinished hardwood floors, new eavesand facia, furnace (06), C/Air, shingles(09), 100 amp on breakers, mostly vinylwindows. Eat-in kitchen w/French doorsto large patio and landscaped yard.

HAMILTON $159,900

Stunning Starter! Stunning 3 bdrm in great location. Newershingles, windows, doors (’06) & roof.Updated canac eat-in kit, carpet, ceramic,bath & paint. Plus hydro on breakers,C/A, enclosed porch & side drive. Nearpark, school & amenities. Move in ready

HAMILTON $259,900

Pride of Ownership!Spotless 3 bedroom family home backingonto park. Hardwood in bedrooms, 2baths and 2 kitchens and possible in-lawsetup. Updated windows (09) and415,000 aluminum roof (08). Fullyfenced yard and walk to schools,shopping and buses.


4 BedroomBright and open 4 bedroom close to allamenities. Formal dining room andSpacious living room. Eat-in Eurokitchcen has dinette and door to concretepatio and fenced yard. Family roomw/woodstove insert. Main floor laundry.

HAMILTON MOuNTAIN $329,900

4 Bedroom Backs on ParkFabulous neighbourhood for this 4bedroom beauty. Backing onto parklandand situated on a huge lot, it’s the perfectfamily home. Huge principle rooms,fully finished basement, family roomwith gas fireplace and eat-in kitchenw/slider to deck.

CODE # C117 CODE # C174 CODE # T162

CODE # C143

CODE # l8

HAMILTON $219,900

A Real GemHamilton Gem! 4 bdrm, 2 bths plusup’ds! Newer vinyl wndws, furn & A/C(6 mths new) shingles (‘05). Hrdwd &ceramic in kit. Bright LR w/ 2 skylights.Sliding dr to wlk-out deck in 4th bdrm &fenced yrd. Close to school & amenities.

CODE # l61

CODE # H18

CODE # W161

CODE # KF39

CODE # r134 CODE # S31CODE # W202

HAMILTON NORTH $99,900

3 Bedroom Super SemiSuper Semi! Updated kitchen, bathroom,flooring, siding, newer shingles andfurnace. Mostly vinyl windows, 100 ampbreakers, double rear drive. With 3bedrooms, 1.5 bath, it's ready to move in!

CODE # S160

HAMILTON $217,900

Spacious 3+1 BedroomBrick bungalow! Updated eat-in kitchenw/ceramic floors & backsplash. Hugebedrooms & hrdwd floors thru-out upperlevel. Newer furnace & C/A ('02). Pluspartially finished basement with in-lawsuite potential.

CODE # F1028 CODE # T167

Call Today 905-575-7700


Hamilton & Stoney Creek

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ANOTHERANOTHER

ONEONE

SOLDSOLD

ANOTHERANOTHER

ONEONE

SOLDSOLD

ANOTHERANOTHER

ONEONE

SOLDSOLD

ANOTHERANOTHER

ONEONE

SOLDSOLD

ANOTHERANOTHER

ONEONE


Maximum Exposure Sells Your HomeCall the Golfi Team to get your Home Sold

905-575-7700 or 905-945-0188www.golfiteam.com

The GOLFI TEAM is ranked in the Top 100 Re/Max Teams in Canada.


Installinga New Faucetby: Joe Keca

Home Improvement Group

Upgrading the look of your

bathroom or kitchen by

installing a new faucet is a

simple project. Most homeowners can

tackle the project with some basic tools

and a little plumbing knowledge. When

installing a new faucet, keep the follow-

ing information in mind.

Be sure to have all the necessary

parts. Even though most residential

faucets come complete with handles, a

pop-up drain assembly and are ready to

install, there are a number of connection

parts are required and might need to be

purchased separately. These include

items such as the P-trap, water supplies

and shut-off valves.

Spend some time under the sink

making connections and tightening nuts,

empty the area so you can work easier.

Also, make sure the faucet body is nice

and square to the edge of the sink as you

tighten nuts to secure the faucet.

If you are installing an undermount

style sink on a thick marble base, you

may require a faucet extension so that it

lays flush with the surface. If you choose

a pedestal or wall-mount sink where the

fittings are exposed, you may want to

coordinate the finish of the drain and

P-trap with the rest of your faucets and

fittings.

Some common installation tools

include:

• Basin wrench

• Adjustable wrench

• Silicone sealant - Plumber's Putty is

not generally recommended

• Teflon® tape

• Channel locks

• Screwdriver (Phillips and slotted)

• Flashlight

Before you begin, make sure you

turn off the water supply valves to the

faucet. This can be done usually by turn-

ing the valves off under the bathroom

sink. Confirm the water is off by turning

the faucet on and checking that no water

flows from it.

Follow the installation manual that

comes with your new faucet to remove

the old faucet and install the new one.

When you are completed, turn the

new faucet on and check for leaks above

and below the sink. If any leaks are

found, turn off the supply line valves and

retighten the leaky fitting nuts. Then turn

the supply lines back on and confirm that

the leaks have stopped.Joe Keca is a specialist in complete

building and interior renovations with the

Home Improvement Group. He can be

reached at 905-309-5555. -Å

RBC Offers New MortgageOption for Canadiansby: Sue Ippolito

RBC Mortgage Specialist

One of the biggest decisions

facing Canadian homeown-

ers is choosing between a

fixed or variable rate mortgage, RBC has

re-introduced a third option, called

RateCapper, which provides an alterna-

tive for homeowners seeking the poten-

tial interest savings of a variable rate

mortgage combined with the added secu-

rity of a fixed rate mortgage.

With the RBC RateCapper mort-

gage, the interest rate over the five year

term is based on the lower of Royal Bank

of Canada's prime rate, currently at

2.25% per cent , and a set maximum rate,

currently capped at 5.875% per cent.

"In today's rising rate environment,

we have seen increased demand for mort-

gage options that provide additional rate

protection" said Marica Moffat, vice-

president, home equity financing, RBC

Royal Bank. "RateCapper gives home-

owners the best of both worlds- they can

take advantage of a low prime rate, while

at the same time locking in a guarantee

they will never pay more than the 'capped

rate' over the term of the mortgage , no

matter how much the prime rate may

rise."

"Economic conditions are strong

enough that we expect the Bank of

Canada to increase the overnight rate

starting mid year" according to Paul

Ferley, assistant chief economist RBC

Economics.

The RateCapper is just one of sever-

al innovative home financing products

and services offered by RBC.

For advice about this product or any

other mortgage questions you may have

please call me.

Sue Ippolito

RBC Mortgage Specialist

Phone # 905-648-8567

Email [email protected]

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It is a proven fact that a clean clut-ter free house will sell faster andfor more money than a cluttered

house.With faster paced life styles, buyers

are demanding more from a seller thanever before, a repair free home is everybuyers dream.

When a buyer comes to view yourhouse they want to see clear of your junk,workable living space with neutral décoramongst other things, in most cases youhave one opportunity to make that firstimpression.

Your house may be in great condi-tion and well built, yet simple clutter,excess old furniture, overloaded closets,plain old junk everywhere create a per-ception of chaos, confusion, even disor-der.

The purchase decision is an emotion-al as well as an intellectual one;Decisions to purchase one house insteadof another are based on man different fac-tors, when buyers see clutter and junkeverywhere they may imagine that thehouse may have been neglected withmore to repair then meets the eye, thisperception may drive the homes true mar-ket value down.

Decluttering is an essential part ofyour preparation and goes hand in handwith your big move.

Before you list your house on themarket, take a walk around look at itthrough the eyes of the buyer, rent adumpster; throw out old junk and accu-mulated useless items, if its been in a boxfor 2 years chances are you really have nouse for it.

Restage your furniture; staging is asimple task you can accomplish on yourown without hiring a professional, youcan create a whole new look easily,besides you know better than anyonewhat your homes potential is after all youfound great pleasure in owning it andalready know its functionality.

Simple Start

Curb Appeal, BIG WORDS THATGO A LONG WAY, a simple outdoor tid-ing is usually all that’s required, clip backold and tired landscaping, clear walk-ways and yards of unsightly junk andgarbage, wash down dirty siding, keeplawns cut

Decluttering closets, very effectivein showing your homes true storagecapacity

Clean out that garage so a car canreally park in it

Clear out the basement housing yourunwanted junk, a buyer may view thisarea as living space

Have a garage sale for good sellableitems, this helps pay for the dumpster andmoving costs

Simplify your move, it will be easierwithout taking all that unwanted junkwith you and much cheaper to move, cre-ate the openness and space your buyersso long for and love.

When it comes to selling your houseless really is more.

Article brought to you by

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Decluttering your home PutsMore Money in your Pocket

To DONATE call: 905.309.4013 McNally House Hospice is a six-

suite, homelike residence providing, freeof charge, 24-hour specialized palliativecare to people living with a terminal ill-ness as well as those in their life circle.The hospice is a not-for-profit organiza-tion serving the Niagara West communi-ties of Grimsby, Lincoln and WestLincoln. Along with the highly skilledprofessional staff, McNally has 150 vol-

unteers who give their time and talentseach week to help the residents and theirfamilies deal with life’s greatest chal-lenges.

McNally House wishes to thank thecommunity for their continued support.Your contributions keep our doors open.

In the Hamilton areaplease support Dr. Bob Kemp,Centre for HospicePalliative Care.

For more information about Dr.Bob Kemp Hospice please contact:905.387.2448

Rob Golfi proudly supports McNallyHouse and encourages you to supportyour Residential Hospice.



Home Staging -A Must in TodaysCompetitive Marketby: Sheri Gamble, Details Event

Coordination Inc.

The old saying that you only

get one chance to make a

good first impression certain-

ly rings true for homeowners selling their

homes in today’s market. With so many

homes to choose from, you need to

“stand out” amongst the competition.

Creating a positive, pleasing first

impression is the key to selling your

home. Studies have shown that most

buyers make a decision about a house

within 15 seconds of walking in the door.

Staging is beyond cleaning and dec-

orating. It’s about creating the perfect

atmosphere and environment for the new

homeowners. Staging makes your house

look warmer, brighter, more spacious,

well maintained and best of all, prospec-

tive home buyers feel welcomed and can

picture themselves living in the space.

After a consultation with the home-

owners to determine the needs and budg-

et, many different techniques can be exe-

cuted to successfully stage the property.

Decluttering, depersonalizing, updating

décor and rearranging furniture are some

of the elements used to showcase a home

to its full potential.

Professional home stagers ultimately

know and understand the enhancements

required in order to market the home

most efficiently. They also can suggest

appropriate home improvements to fur-

ther increase the value of the listing.

Home stagers will utilize their inventory

of retailers and suppliers who partner

with them to ensure the end results meets

your expectations and stays within your

budget.

Due to the popularity of home

makeover television programs, con-

sumers are becoming increasingly famil-

iar with interior design trends. As a

result, Canadians now expect more when

shopping for a new house.

Home staging is the best way to

make a dramatic impact without having

to spend a lot of money. Often the addi-

tional gain will far outweigh the cost of

staging.

Now that the spring market has

arrived, you may want to consider mak-

ing an investment in your home! Details

Event Coordination is ready to help.

Sheri Gamble and Gwen Kennedy

are Home Stagers and Event Planners

with Details Event Coordination. They

can be reached at 905.632.2602 or via

email at [email protected] or

g w e n @ d e t a i l s e v e n t c o . c o m .

Or visit their website at www.detailsev-

entco.com.

MarketWatch-DogMarketWatch-DogEach issue, The Golfi Teamwill showcase a‘MarketWatch-Dog’; a family companion fromone of our current listings.

A bit about “Neko”6 year old Neko is an attractive mix ofHusky and German Shepard. He spentpuppy-hood and his younger yearsworking as the employee motivator andguard dog at a Rural Agricultural plant.With long hot hours and tedious work, theemployees always looked forward toNeko’s happy disposition & wagging tail,

rewarding him with a good ol’ scratch behind the ears or bite from lunch.Several years ago when it came time to close the plant, amongst heartfeltgoodbyes, Neko’s heated dog house was moved over to the ‘Big House’where he began his new position: Homeland Security – a promotion ofsorts.

Accustomed to enjoying lunch and breaks with the guys at the plant, thetransition of dining alone is a challenge for Neko. When his dinner ispresented to him, he will walk away unless whoever the chef du jour istakes a seat nearby and talks to Neko while he eats, telling him just howlovely this bowl of food is and that he’s such a good boy.

Although Neko enjoys a quieter lifestyle now without the hustle of industry,he does love when visitors come by. From his position of authority at thetop of the winding drive, he is quick to spot an approaching car andalthough he looks every bit in charge as he paces & bounds back andforth, this handsome fellow is actually searching frantically for a toy to greetthis visitor and entice them into a little play time. A daily visitor he watchesfor is the early morning Newspaper carrier, his pal. The two have come upwith a game where the carrier greets Neko and hands him the paperwrapped in it’s customary blue bag, he tells Neko what a good dog he is,then he leaves and Neko is to deliver the paper to the front door.Apparently Neko doesn’t quite get the program, or perhaps he has his owngame; regardless, the newspaper seldom makes it to the door. ‘Find yourNewspaper’ is a treasure hunt game Neko plays often with his owners, andsome days he just takes the paper into his doghouse to have a good readhimself.

A devoted worker who takes his job very seriously, The Golfi Team ispleased to have Neko as our Marketwatch Dog!

look for our next MarketWatch-dog

in the next issue of Market Watch!

The Golfi team supports SPCA’s of Ontario.

MenusOnly.com is an online restaurant menu guide con-necting you with great restaurants in the Hamilton andBurlington areas. Browse through restaurant menus, viewpictures of restaurant dining areas, patios, and menuitems, and print local restaurant coupons all in one place.MenusOnly.com – a perfect dining experience starts here.

The Golfi Team isRanked in the Top 100

Re/Max Teams in Canada

RE/MAX has over 18,000 SalesRepresentatives in Canada

www.golfiteam.comRob Golfi

Sales Representative

Sharon StaffordSales Representative

Heather ReidSales Representative

Hans MarcelissenSales Representative

Wendy Murray-Nicholson


Penny BryceSales Representative

Home Evaluation

No Cost or Obligation

Call Rob Golfi Today!

905-575-7700 / 905-945-0188Not intended to solicit properties currently listed for sale.



DESIGNED WITH STYLE

Fabulous location South ofHwy #8 amongst the ever-changing backdrop of the

Niagara Escarpment. Convenience ofcity with tremendous urban appeal.DeSantis quality built former modelhome has all the perks of being themodel for the subdivision. ClassicFrench door entry to a bright 2 storyfoyer with neutral porcelain tiles thatlead thru the kitchen, which has beenupgraded with an inlay design.French doors can be found through-out the main level. Incredible stair-case with carved Oak banisters islocated in the center of the floor plan& leads to an equally amazing upperlevel that overlooks both the familyroom and front foyer. Formal living

room & spacious separate diningroom with bump out for buffet willaccommodate any size gathering,both rooms with upgraded broad-loom. Showcase family room hasgleaming dark hardwood & soaringceilings open to the upper level. Acozy gas fireplace is flanked on eitherside by tall windows filling the roomwith afternoon sunshine. The mainfloor den is located off the familyroom, ideal for the computer. An eat-in kitchen with solid wood cabinetryin a soft birch finish, lighted cornerunit to display your treasures, largepantry, under & over cabinet lighting& built-in wine rack. From thekitchen, a slider to covered cedardeck with fan & lighting, hot tub, &mature landscaping planted with

perennials promising minimal effortfor maximum enjoyment.Convenience of main floor laundryand inside entry to a heated doublecar garage. Upstairs, 4 bedrooms &reading loft, bright with sunlight,open and airy. Spacious Master suitehas a 4pc ensuite, walk-in closet &vaulted ceiling. Professionally fin-ished basement with rec room, gamesarea, 3pc bath & ample storage.Extras include crown moldings, potlighting, built-in surround sound withindividual controls in some rooms,alarm system, concrete drive &pressed concrete walkway both frontand back. Rob Golfi today at 905-575-7700 for a private viewing andthank you for visiting my website,looking forward to hearing from you.

Rob Golfi*FeatureHome

229 Winona Road, Stoney Creek

Price: $549,900

Taxes: $5,097.80 (2009)

Lot Size: 59.45' x 121.5'

House Size: 2700 sq ft plus fully finished basement

Re/Max Escarpment Realty Inc., BrokerageIndependently Owned and Operated

The Golfi Team isRanked in the Top 100

Re/Max Teams in Canada

RE/MAX has over 18,000 SalesRepresentatives in Canada

905-575-7700Rob Golfi


Sharon StaffordSales Representative

Heather ReidSales Representative

Hans MarcelissenSales Representative

Wendy Murray-Nicholson


Penny BryceSales Representative


may 1, 2010 issue 11

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