resale home & condo hamilton - 16 mar., 2013

Mar. 16 - Mar. 30, 2013 Volume 13 Issue 05

Your Best Source for Homes & Condos

Hamilton-Halton-Haldimand-Brantford Edition

3 CAR GARAGE BUNGALOW - $278,900 - Hagersville, 60' WIDE LOT, 2 full bathrooms. Close to hospital, schools and park. Open Sat & Sun 12-4pm. Other furnished models. www.plouffehomes.ca Donald Plouffe, Broker of Record, Donald Plouffe Ltd. Real Estate Brokerage. 905-632-5940.

START YOUR PERMANENT VACATION AT LAKE ERIE! $699,900 Magnificent serene & private yet conveniently located describes this sprawling executive ranch style lakefront home. Imagine yourself enjoying this tranquil 1.24 ac beautifully landscaped, Lake Erie water front property with captivating vistas & 150 feet of water frontage. This premium brick home has been well maintained, beautifully decorated & is warm & welcoming. Outstanding quality custom features abound. Central living room has vaulted ceilings, gas fp & plenty of room for family and friends. The 2012 kitchen upgrades include granite counters and is perfect for entertaining. French doors lead to a lake side sunroom, the rear deck & gazebo. This unsurpassed setting must be experienced to be fully appreciated. Isaac Phillips, Sales Representative, Royal LePage State Realty, Brokerage 905-774-7631 or 905-774-8144.

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artists conception

CALEDONIA BEAUTY $339,900 - 4 level backsplit family home, 3+1 bedrms, m bedrm offers ensuite & w/in closet Cathedral ceilings on main level, family rm w/ gas F/P, kids game rm 20'x20', large oak eat-in kitchen, above ground pool, C/Air, C/Vac Just move in & enjoy. Marilyn O' Blenis, Sales Representative, RE/MAX ESCARPMENT Realty, Brokerage 905-573-1188. Call to view! www.MarilynOblenis.com

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LOCATION! LOCATION! DUNDAS $389,900! - Walk to shops, schools, arena. one owner family home, requires updating. Hrdwd flr in living/dining rms, 3 bedrms, newer hi-eff furnace, shingles, breaker panel. Lower lvl family rm w/ reclaimed brick wall/fireplace, large den/bdrm & huge workshop. 5 Woodward Ave. Val Dalgetty Righton, Sales Representative, Coldwell Banker Pinnacle Real Estate, Brokerage 905-522-1110 0713_KIMRI_0050

ADPENDING

2G

Call Darren’s SELL phone 905-978-SOLD (7653) for a FREE Home Evaluation!www.HaldimandHomes.ca for virtual tours & custom home plans online!

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Immaculate 3 bdrm, 2.5 stry brick home, over 1/2 AC w/ 36’ x 34’ shop/gar. Completely reno’d w/ 2 bths, oak kitch, o/con din/liv, huge finished loft + m/bdrm that can be converted back to 2 bdrms. Extras incl conc patio off dinrm, rear mudrm, cov’d frnt veranda, repl wndws, h/eff furn (11), pool liner (10), a/grnd pool, 100 amp hydro, pvd drive & brick shed. Great family home w/ over 2000sf + finished bsmnt! Call Darren Papineau. MLS H3102097.

NEW LI

STING

6267 RAINHAM RD, DUNNVILLE. $269,900

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Immaculate 4 bedrm brick bungalow, large country lot, stylish de-cor, fin bsmt w/bar and games rm plus famrm w/gas stove f/p, lndry/workshop, o/concept kit/din/livrm w/loads of oak cabs & granite cntrs, premium lam floors, updated bathrm fixtures, large bedrms, updated wndws, awesome rear deck w/det garage/workshop & loads of privacy. Shows well! MLS H3089729.

NEW PR

ICE

27 ERIE ST. S., FISHERVILLE $224,900

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Perfect country starter 1.5 stry 3 bedrm on approx 3/4 ac lot west of Cayuga, approx 30 mins south of Hamilton. Ftrs mnfl master bedrm plus 2 upper level bed-rms, large eat-in kitchen w/ newer cabinets and walkout to huge deck, spacious living, updated 4 pc bathrm (12), mudrm with mnflr lndry, garden shed and loads of parking. Updates include furnace, c/air, mostly new windows, facia, soffit and eaves. Ideal for 1st time buyer. Call Darren Papineau. MLS #H3096555.

NEW PR

ICE

4426 HIGHWAY 3, CAYUGA. $154,900

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Spacious, low maintenance 2 bedroom cottage w/ gorgeous unobstructed view across Lake Erie. O/concept living room, dining rm & kitchen, lovely sunroom. Improvements include pine accents, updated bathroom, covered rear deck, shin-gles 2010, windows 2005, pressure pump & tank, natural gas heating/air conditioning unit (HVAC), insulated walls & attic. Boat launch near by. MLS #H3071946.

LAKEV

IEW

1231 LAKESHORE RD, SELKIRK $157,500

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Turn key greenhouse operation on 6.9 acres of great gardening soil located in Welland with about 570 ft frontage on a well travelled road - great for sales of plants. 10,000 sqft of greenhouses gutter connect with natural gas forced air heat and roof venting, 400 amp hydor, glass front entry with east, north and south rollup sides, set up for a retail environment with 2000 drip lines for hanging baskets, fully benched plus heated 1200 sqft cold frame structure, large retention pond, approx 20,000 sqft of outside water fed crop area, ample parking, outdoor fenced compound for nursery stock and a covered area. Zoning allows for single family residence and/or expansion of Greenhouses. Great clean operation. Call Darren to view. MLS H3100791 1113_KIMRI_1_0005 1113_KIMRI_1_0006 1113_KIMRI_2_0007

700 FORKS RD WEST, WELLAND $399,900

GREEN

HOUSE

OPPO

RTUNITY

6.7 AC

RES

Loaded w/yesteryear’s charm! Dble brick century home lovingly restored w/3 bedrms & 2 bthrms on a huge 66’x165’ lot offers 22’x24’ garage/workshop w/hydro & nat gas rough-in - great for the hobbyist plus 2 lrg wrap arnd decks, interlock patio w/gazebo, privacy fenced yard w/perennial Victorian garden. Everything old is new again. Simply gorgeous inisde and out! Call Darren Papineau to view. MLS H3103351

+ DET G

AR/SH

OP

25 TALBOT ST. WEST, JARVIS $259,900

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Stylish 1.5 stry 3 bdrm country home plus det 1.5 car gar w/conc flr & hydro. Thousands of dollars recently spent incl new kitch w/granite cntrs, updated bthrms, h.eff furn, 100 amp brkrs, 3000 gal cistern, repl wndws, drs + trim, vinyl + laminate flrs, freshly painted int decor. Eat-in kitch, o/c liv/din, mnfl pwdr rm, partly fin bsmt w/recrm, wd stv f/p, c/vac, stl roof & encl back deck. Call Darren Papineau to view. MLS H3102097

COUN

TRY

4745 RAINHAM ROAD, SELKIRK $214,900OPEN HOUSE SUN. MAR. 17TH 2-4

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Affordable 2 bdrm country bungalow 1.55 acre “park-like” treed lot close to town. O/concept layout w/2 gas f/places, 100 amp brkers, barrier free 3 pc bthrm w/accessible roll-in shower & heated ceramic tile floor, mn flr lndry, huge det gar/shop w/cone floor & hydro, eat-in oak kitchen, updated windows, patio door and shingles. Beautiful setting with loads of parking. Great starter or for empty nesters. Call Darren Papineau to view. MLS H3103400.

1.55 A

CRES

8169 HIGHWAY 3 W., DUNNVILLE $169,900

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Stunning 3 bedroom open concept “Viceroy” home w/cedar exterior. Features vaulted ceilings, loads of windows, skylight, rear Muskoka room addition (07), finished basement w/cozy wood stove fireplace and bar area. Beautifully decorated & immaculately kept with updated bathrooms and recent hardwood flooring. Situated on a private 3/4 ac treed lot with large shed and boat storage. Near Highway 54 about 30 min to Hamilton. Worth the drive! Call Darren Papineau to view. MLS H3103100

COUN

TRY

195 TOWNLINE ROAD E, CAYUGA $319,900

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VICER

OY

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Prestigious development 30 min south of Hamilton near Bin-brook includes 39 country sized lots, all over 1 acre. bring your own custom floor plan or work with ours to build your Dream Home! Subject to Architectural design, landscaping & size standards. Call Darren Paineau for more details or visit www.EmpireCountryEstates.com MLS H3065048

IAC BL

DG LO

TS

EMPIRE COUNTRY ESTATES, YORK, LOTS STARTING AT $109,900 11

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STATE REALTY BROKERAGEIndependently Owned and Operated

905-774-7631905-774-8144TOP 1% IN CANADA FOR ROYAL LEPAGE 18 YEARS

www.isaacphillips.com

ISAAC PHILLIPSSales Representative

Check outour website for

the latest on our 45+ listings

Call for your FREE

MarketEvaluation

List with us and your property is

shown on 20 plus websites

$529,900 Stunning home, 354 feet frontage, 2002 custom bungalow, 9’ ceil-ings, in-fl oor heating, gas fi replace, large kitchen w/tons of cupboards, open concept plan, great room with walls of glass give panoramic views lake & beautiful sunsets - South Cayuga. Call Isaac Phillips 1113_KIMRI_5005

1.63 ACRES ON LAKE ERIE!

$119,000 Cute & cozy home, recent upgrades include de-cor, ceramic tile, laminate, 2 bedrooms, eat in kitchen, main fl oor laundry, lots of windows, private back yard. detached garage, Dunnville. Call Isaac Phillips

NEW

PRICE

1113_KIMRI_5006

GREAT STARTER!

$369,900 “Cowan” built open concept, vaulted ceilings, plank fl ooring, custom kitchen, steel roof, long veranda over-looking the lake, part ownership of private waterfront park & beach, Dunnville. Call Isaac Phillips

1113_KIMRI_5007

RANCH OVERLOOKING LAKE ERIE!

$279,900 Horse lovers delight, 3.93 acres, renovated home, large eat in coun-try kitchen with breakfast bar tons of windows, refi nished plank fl oors, 2 baths, 3 bedrooms, covered front veranda, outbuildings, paddocks, surrounded by open fi elds - South Cayuga. Call Isaac Phillips

1113_KIMRI_5008

HOBBY FARM!

$334,900 “Winspear Juniper” built in 2006, open concept plan, 1582 sq. ft. with full walk-out lower level & huge family room. Hardwood & ceramic tile fl oors on main level, walk-in master bedroom closet. Cherry fi nish on oak cabinets, big bright family room has backyard access to sprawling patio plus wood deck. Call Isaac Phillips

1113_KIMRI_5009

SMITHVILLE!

$179,999 End unit on upper fl oor, upgraded oak kitchen, 1.5 baths, open concept living room-kitchen-dining area, large balcony facing south overlooks courtyard, unit includes covered parking space, Dunnville. Call Isaac Phillips 1113_KIMRI_6000

ADULT LIFESTYLE CONDO!

$189,900 Sandy beach and amazing views of Mohawk Island Lighthouse, vaulted beamed ceilings, stone/propane FP, vinyl repl windows, 2012 roof shingles, armour rock breakwall, LR walkout to lakeside deck, 2008 shed with concrete fl oor & hydro, Dunnville. Call Isaac Phillips 1113_KIMRI_6001

LAKE ERIE!

$145,000 Two bedroom one fl oor home offers full base-ment, 2 car block garage, oak fl oors, slider walk out from oak kitchen and large private backyard along quiet street, Dunnville! Call Isaac Phillips

1113_KIMRI_6002

CLOSE TO THE LAKE!

$295,000 On Lake Erie at end of quiet street offers 90 feet frontage, winterized 3+1 bedrooms, hardwood fl oors, large living room with loft overlook, recent boat ramp, 2006 concrete breakwall, and many other updates! Dunnville! Call Isaac Phillips

1113_KIMRI_6003

LAKEFRONT!

$235,000 Same caring owner since 1968, great neighbourhood, unique lay-out includes main fl oor bedroom and bathroom, upgrades include replace-ment vinyl windows, recent med effi cient furnace, white kitchen cabinets, upgraded main bathroom, Dunnville. Call Isaac Phillips

1113_KIMRI_6004

LARGE MATURE LOT!

$199,900 Dunnville, preferred neighbourhood, screened side porch side deck, vinyl repl windows, oak fl oor & oak cabinetry in kitchen, 3 bedrooms, appliances, single ga-rage. Call Isaac Phillips

1113_KIMRI_6005

MATURE CORNER LOT!

$156,500 Large home on large mature lot, main fl oor family room, spacious & bright eat in kitchen, patio doors to rear yard, main fl oor laundry, 2007 furnace, 2009 veranda and much more, Dunnville. Call Isaac Phillips 1113_KIMRI_6006

CHARACTER & CHARM!

NEW

LISTIN

G

4G

MAURIS CECCA

11273077_1113

Sales Representative

BUS: 905-388-1110

Sought-after “shore liner” complex. 2 bedrm + den spacious � oorplan. Features pool, sauna, hot tub, exercise rm, squash ct, well equipped workshop, party rm and more.

1113_KIMRI_0023

WATERFRONT CONDO!!!

Walk to parks and trails. Renovated beauty. New shingles, windows, so� t, fascia & eaves. 2 new baths, new kitchen with glass and marble backsplash, travertine � rs, hardwood through out livingrm and 3 bedrms. Lower level boasts rec/rm with pot lights plus den.

1113_KIMRI_0024

WEST MTN SCENIC DRIVE AREA!!

75’ l

ot!!!

In the heart of Dundas, open concept 2 bedrm, 2 bath, corner unit with lots of windows. Huge living rm/dining rm area, new carpets throughout, oak kitchen with ceramic backsplash, recent furnace and c/air, large laundry/storage rm.

1113_KIMRI_0025

DUNDAS CONDO: NEW LISTING!!

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Delay * Withdrawal

Tranquilli-T assumes interest on unexpected bridge financing.

Tranquilli-T covers additional expenses such as hotels, storage, moving expenses, pet boarding, property upkeep and maintenance, heating, electricity, legal fees, taxes, insurance.

In the event of delay or withdrawal, on a subject free contract of purchase or sale, for additional expenses over and above $300.00 deductible, for a period of 180 days or up to the policy limit of $25,000 (this limit may vary depending on the value of the property)

*Effective from the moment the transaction becomes subject free up to the date of completion.

Death of the Buyer or Buyers Spouse

Tranquilli-T will pay the seller the agreed sale price.

Tranquilli-T will pay the real estate fees, and addittional expenses related to the resale of the property.


Legal Assistance * Legal Fees

Tranquilli-T covers legal fees (not repairs) up to $5,000 per event for a maximum aggregate of $10,000 if the buyer or seller withdraws with no valid reason, false declaration by the seller, presence of a latent defect, any litigation with neighbours, tenants or service providers resulting from the real estate transaction, subsequent ownership and occupancy of the residence.

Tranquilli-T provides free unlimited telephone consultation with a Tranquilli-T lawyer.

RE/MAX clients can choose their own lawyer or Tranquilli-T can refer one with pre-approval of legal fees.

BR_A1

9249

706_

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www.theoreillyteam.com 905.574.4600

2010-2012 2011-2012

987 Rymal Road East Hamilton, Ontario L8W 3M2

PAM O’REILLY DAVE O’REILLY LUKE O’REILLY Sales Representatives Broker

THE O’REILLY TEAM

DREAM HOME IN ANCASTER

This gorgeous 2+2 bedroom, 3 bathroom bungalow has over 3400 square feet of fi nished living space and sits on a mature 80x225 foot lot. Upgrades include a gourmet kitchen with granite countertops, wire brushed hardwood fl ooring, marble tiling, wainscotting, oversized baseboards, crown mouldings, vaulted/coffered cielings, 100+ pot lights, 2 fi replaces with stone mantles, glass showers, a security system, expansive windows, skylights, and updated roof shingles/furnace/central air/plumbing/electrical. The lower level features 2 spacious bedrooms, a gorgeous 3 piece bath with a vessel sink, 2 separate recreation rooms and laundry facilities. This home offers a solid brick and stone exterior fi nish, 2 separate front entrances, sliding door at rear, a newly paved front drive, and professional landscaping with fl agstone. The attention to detail found in this home is outstanding!

1113_KIMRI_0020

$849,900

GORGEOUS BUNGALOFT IN GLANBROOK

This beautiful 3+1 bedroom, 3.5 bath bungaloft is situated in a quaint neighbourhood just minutes to the Meadowlands in Ancaster and shopping on Upper James. This home is just under 2000 square feet (plus a fully fi nished basement). Step through the front doors to an open foyer with dramatic vaulted ceilings, hardwood fl ooring throughout the main level, a formal dining room, main fl oor master bedroom with his/her closets and a 4 piece ensuite bath (Jacuzzi tub), spacious main fl oor family room with a gas fi replace, eat-in kitchen with breakfast bar, stainless steel kitchen appliances (all included), and sliding doors to an updated rear deck and no immediate rear neighbours - privacy plus! The upper level offers 2 spacious bedrooms, a 4 piece bath, and a loft area overlooking both the front foyer and main fl oor family room. The lower level is fully fi nished and offers an additional bedroom with a walk-in closet and a 3-pc ensuite bath, a huge rec. rm, gas fi replace, pot lighting throughout, a roughed-in kitchen (in-law potential), and an offi ce/den.

1113_KIMRI_0021

$429,900

STUNNING BUNGALOW JUST STEPS TO DUNDURN CASTLE

This immaculate 2+1 bedroom, 2 bathroom bungalow could quite possibly be one of the most unique homes in Hamilton. Built in 1900, this 1593 square foot home (plus partially fi nished basement) combines old world charm with a modern fl are. Step through the front door to an open concept fl oor plan with vaulted ceilings, skylights, and exposed wooden beamed ceilings throughout. Other features to mention include hardwood fl ooring, a wood burning fi replace with slate hearth and wood mantle (made from original beams), an eye-catching German modular kitchen with a breakfast bar, a formal dining room, master bedroom with ensuite bath and French doors to lush rear garden, stucco exterior, and professional landscaping. Updates include roof shingles, furnace, central air conditioning, and electrical. This home is situated on a quiet tree-lined street half a block to Dundurn Park and Dundurn Castle, a short walk to the waterfront trail, and offers easy access to major highways.

1113_KIMRI_0022

$449,900 ESCAPE TO

LAKE ERIE

Escape the city to your very own private retreat at Lake Erie. Welcome to 3 Turner Drive, a sharp 3 bedroom, fully winterized bungalow in prestine condition. This home has alot of warmth and charm and must be seen to fully appreciate it. This home has been updated over the years; including windows (vinyl clad), maple kitchen, cabinetry/counter tops, 4 piece bath, fl ooring, front/rear decks, rear fence, rear shed, furnace, water heater, propane fi replace, paved driveway, electrial panel and more. Taxes in 2012 were only $1472.74. Just a short walk to a private beach.

1113_KIMRI_1_0066

$179,900

BURLINGTON TOWNHOUSE CONDO

Great 3 bedroom unit in Barrington Square in sought after Palmer area. Close to schools, shopping, major highways and all other amenities. Nice fl oor plan with patio doors from dining room to private backyard. Lower level rec room. Includes fridge, stove, dishwasher, washer & dryer.

1113_KIMRI_1_0002

$234,900

PRESTIGIOUS LOVERS LANE AREA OF ANCASTER

You will be amazed at this beautifully renovated and updated 4200+ square foot home on mature, treed 75’x158’ lot with inground pool. This stunning home is perfect for your large family. 4 spacious bedrooms, all with walk-in closets. Master with luxurious 5 piece ensuite bath, 2 other bedrooms share an ensuite and one more bathroom for the 4th bedroom. The main fl oor will WOW you! Eat-in kitchen with solid maple cabinetry, island, granite counters, built-in appliances and abundance of pot lights is open to huge sunken family room - the perfect place to entertain. The lower level is complete with kitchen, family room, 2 bedrooms and 2 bathrooms - a complete in-law set up. Loaded with upgrades throughout. Not to be missed.

1113_KIMRI_1_0023

$769,900

SOLD

Volume 13 Issue 05 Resale Home & Condo Guide - Hamilton & Halton Edition

Please say you saw it in Resale Home & Condo Guide

1

Hamilton/Halton/Haldimand/Brantford

HamiltonBurlingtonBrantfordDunnvilleJarvisAncasterPuslinchOakville

GrimsbyHagersvilleDelhiDundasStoney CreekParisSimcoeCayuga

WaterdownMiltonCaledoniaPort DoverFlamborough& surrounding areas

NEXT ADVERTISING DEADLINE

Wednesday March 20th, 2013

OAKVILLE

BRANTFORDHAMILTON

HALDIMAND-NORFOLK

BURLINGTON

WATERDOWN

HALTON

GRIMSBY

Coverage area:

ISSUE DATE: March 30th, 2013 – 2-WEEK ISSUE

#500-401 The West Mall Etobicoke, ON M9C 5J5 T. 416.784.5060 TOLL-FREE 1.877.269.8257 F. 416.789.9705VICE-PRESIDENT, WALL2WALL MEDIA Jacqueline HillEDITOR-IN-CHIEF, NATIONAL REAL ESTATE

Susan LeggeEDITOR Janine Druery, Lydia McNutt (on leave)CONTRIBUTING EDITORS

Sara Duck, Wayne Karl, Elisa Krovblit, SENIOR SALES MANAGER

Larry GregorisMEDIA CONSULTANT

Kim RichardsSALES COORDINATOR

Nobia BhattiNATIONAL ACCOUNT MANAGER, MEDIATIVE

Paul SlizysPRODUCTION MANAGER

Bala GnanapandithanGRAPHIC DESIGNER

Caroline WassefPRODUCTION COORDINATORS

Deenisha Doodnath Lindsey Maindonald

TERMS Advertisers and Resale Home & Condo Guide are not responsible for typographical errors, mistakes or misprints.Payment in full must accompany the insertion order by cheque or money order only. Insertion by phone: we accept Visa and Mastercard.Please check your ad for accuracy the first issue it appears. If you find an error, report it immediately. Resale Home & Condo Guide will not be responsible for more than one incorrect insertion. Published by

Copyright 2013 Copyright covers the contents of this publication and prevents reproduction in whole or in part: offenders will be prosecuted. We reserve the right to refuse any advertising, to make changes or edit advertising as necessary. Care will be taken to ensure copy accuracy but no warranty is implied or given by the publisher. Views/data expressed by columnists do not necessarily represent those of the publication.Wall2Wall Media is a trademark of Yellow Pages Group Co. in Canada.homeTRADER and The homeTRADER & Design are trademarks of Apax Partners LLP, used under license.

For advertising information, contact Kim Richards phone: 905.383.8118 | toll-free 1.800.268.0077cell: 905.730.5658 | fax: 905.383.4667 [email protected]

Please recycle this magazine! Wall2Wall Media participates in the Partners in Growth Reforestation Program through St. Joseph Communications. To date, Partners in Growth has planted over 2.5 million trees in parks, recreation and conservation areas, and other public spaces across Canada. Established in 1990, this program was started with Scouts Canada to help replenish the environment.

Resale Home & Condo Guide - Hamilton & Halton Edition


2 Volume 13 Issue 05

MARCH 16 - MARCH 30, 2013

04. EDITOR’S NOTE

14. THE MORTGAGE MINUTE The true cost of bad mortgage advice by Peter Kinch

18. MAKE YOUR MOVE Simple ways to avoid costly packing mistakes by Dan Hopkins

22. FINANCES Working from home: tax tips for the self-employed by Jen Killins

INSIDE THIS ISSUE

27. STYLE FILE Practical tips and style suggestions for a good night’s sleep by Yanic Simard

29. HOMEBUYERS’ HELP You love the home, see what you can afford!

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3

ave you set your sights on a new home this spring? This publication is a great place to get all the advice you need to ensure a purchase without pitfalls.

Home-hunting takes patience, persistence, and a little luck. So where do you start? Physically explore the areas you’re interested in before you start to actually shop. You will find out things no map can tell you. Are there schools, restaurants, shopping? Good bike trails? Do you feel comfortable walking around? Pick up a local paper and read the community news. You can learn a lot from the Internet, but nothing beats a personal visit.

When it’s time to shop, a wealth of information is available right here in Resale Home & Condo Guide, and visit us online at homeTRADER.ca.

There are so many housing options to choose from today, finding the perfect home won’t leave you feeling like you had to compromise on style or function. We hope you enjoy this issue. Drop us a line and let us know what you think.

Happy home hunting!

Susan Legge EDITOR-IN-CHIEF Wall2Wall Media, [email protected]

Follow me on Twitter at Twitter.com/SusanLegge

NEW HOME THIS SPRING

Set your sights on a

editor’snote

t’s hard to believe, considering some of the harsh weather we’ve had of late, but spring is almost here. And along with the crocuses budding and the beginning of baseball season, a sure sign of spring’s arrival is the inevitability of tax time.

In this issue of Resale Home & Condo Guide, you’ll get some good financial tips to make tax time a little less taxing. Let’s face it, most of us don’t enjoy filing our taxes. But think of it this way: once your taxes are out of the way, you can enjoy the pleasures of spring. Let’s hear it for flowers, patios and sandals (okay maybe not just yet).

But with the nicer weather, it’s a good time to get out there and start visiting all of the terrific homes for sale around the city. The “For Sale” signs are starting to pop up like tulips at this time of year.

So replace your Sorels and parkas with more seasonal gear and make plans to call on some of the stunning homes on offer. All of the beautiful architecture, great landscaping and dreamy colours will surely help you shed the winter “blahs” and get you into the spirit of the spring season.

But please don’t forget to do your taxes.

Janine Druery EDITOR [email protected]

The good news:IT’S ALMOST

SPRING




www. rahb. ca8477700_1113



5

Liz KosterReal Estate Broker

Niagara Real EstateCentre Inc., Brokerage

Independently Owned & Operated

Call Liz Koster for a FREE Market Evaluation! Thinking about BUYING or SELLING I am here to help!

Toll Free: 1.888.205.7010905.774.7511

[email protected] | www.lizkoster.com Helping People on the Move!9189908_1113

1 1/2 storey, 3+1 bedrm home in quiet Dunnville neighbourhood! Lots of storage, replacement windows on 2nd fl oor, some hardwood fl oors! Deep lot with large backyard & single garage!

HANDYMAN SPECIAL!

1113_KIMRI_2_0049

2-bedroom one-fl oor home by Rock Point Provincial Park (South of Dunnville) in move-in condition! Many updates! Detached workshop! View of Lake Erie!

PRIVACY PLUS!

1113_KIMRI_3_0049

$159,900

Move right in and start enjoying! 3 bedrm open concept cottage on Lake Erie in Selkirk! Wood character thru out! Raised deck with gazebo overlooks the lake! Stairs to beach with public beach nearby! All appliances, furnishings, patio/deck furnitue, dishes etc included! 40 minutes from Hamilton. Lot shared with neighbour to the west. Survey available and possible severance. Priced to sell!!

WATEFRONT COTTAGE!

1113_KIMRI_1_0021

$110,000

Immaculate 2-bedrm home in Dunnville with spacious rooms and lots of storage! Eat-in kitchen with patio door to fenced backyard. Many recent updates incl furnace, roof, most windows, front porch & more! Detached garage with attached shed plus paved driveway! Shows well!

GREAT STARTER!

1113_KIMRI_1_0020

$144,900

$129,900

SOLD




9489

143_

1113

THINK SOLD... THINK MARGARET & WALDI NIBURSKIWE MAKE DREAMS AFFORDABLE

[email protected]@sutton.com

Sutton Group Innovative Realty Inc., Brokerage*Independently Owned & Operated

www.hamiltonhomes-for-sale.comfor Hamilton & Area Estate Market Reports

Visit

905-575-7070

MARGARET (MALGORZATA)

NIBURSKI B.SC. SALES REPRESENTATIVE

WALDI (WALDEMAR)

NIBURSKI M.SC. SALES REPRESENTATIVE

YOUR LISTING ADVERTISED ON

40+ WEBSITES

Ever wonder how the Hamilton Real Estate Market is doing? Visit our web site www.hamiltonhomes-for-sale.com for the answer and Margaret’s newest and

up-to-date real estate market activity reports for Hamilton, Ancaster, Stoney Creek and all the sourrounding areas!!!

Full Brick! Single detached raised elevated ranch!! Two car garage3+1 bedrooms, 2 bathrms Rec room on main floor and sunroom Hardwood floors plus many recent updates15 Regency St.

$259,900

1113_KIMRI_1_0070

EAST MOUNTAIN

Attention First Time Buyers 3+1 bedrooms, 1.5 baths End unit, condo townhome Very spacious rooms Small complex in a great location Close to all amenities 2708 Barton St. E. Unit 1

$139,900

1113_KIMRI_1_0069

EAST HAMILTON

Beautiful lot!! 84 x 590.75 ft 3 bedroom bungalow A real gem!!

$329,900

1113_KIMRI_1_0071

GRIMSBY

Attention Seniors! Great building close to all amenities! Spacious one bedroom with plenty of renos! Oversized balcony with great view! Ready to move-in!!!

$114,900

1113_KIMRI_6007

EAST HAMILTON OUTSTANDING CONDO APARTMENT!!!

SOLD



7

1286 Upper James St., Hamilton, L9C 3B4

9255

435_

1113

For All Your Real Estate Needs

905-388-5133FAX: 905-388-7583

Residential Commercial Investment

This 1 + 1 bedroom with a view, is steps away from everything. Open concept kitchen with granite countertop and island, polished concrete floors, underground parking. 1113_KIMRI_0006

Call DEBRA AGRO, Sales Representative or GRACE BARROW, Sales Representative, 905.388.5133.

Life in the Lofts!

Well constructed 4 bedroom home in great family location. This 2 storey offers living room, dining room, eat-in kitchen, family room with fireplace & 19’ x 19’ addition with skylights & vaulted ceilings. Double garage & gorgeous 84’ x 149’ lot. Asking $499,900. 1113_KIMRI_0007

Please call KEN GIES, Broker or DAN GIES, Broker of Record, 905.388.5133.

View of Lake Ontario

All appliances included! Clean 2 bedroom with updated kitchen, shingles, furnace, windows, doors and bathroom. 18” tiles in hallway and kitchen. Immediate possesion available. New price! $119,900. 1113_KIMRI_0008


Great Starter Home!

One owner elevated ranch style home with plaster walls and hardwood floors. Side door entrance could be lower level apartment. Large family room with wall to wall stone fireplace. Roof shingles 2009. Nice size garage 24x11. Priced at $199,900. 1113_KIMRI_0009


All Brick Home!

Popular East Mountain 3 bedroom, 1 floor brick home. Located across from Huntington Park and school. Recently finished lower level with large recreation room, den and 2 piece bath. Updated windows and front porch. New furnace in 2009. Priced at $259,900.

1113_KIMRI_0004

East Mountain Location!

1113_KIMRI_0005





SERVICE THAT MOVES YOU

9189

912_

1113

ESCARPMENT REALTY INC. BrokerageIndependently Owned & Operated

FRANK RADMAN(905)545-1188


Email: [email protected]

“CALL FRANK TODAY - THE FIRST STEP IN MAKING THE RIGHT HOUSE YOUR HOME!”

Enjoy the beauty of the Grand River from all levels of this home. Pristine gardens to water’s edge - a haven for birds & wildlife. A 4300 sq ft custom built home w/full in-law or nanny suite. The grand home offers formal dining rm, eat-in kitchen, elegant liv-ing rm w/FP, recent updates, glass panelled balcony, XL double garage & much more. A must see!

UNIQUE 6 LEVEL ARCHITECTURAL MARVEL

1113_KIMRI_1_0047

CALEDONIA

Executive estate home w/potential in-law suite located on court lot in sought-after neighbourhood. Stunning scenic views, high-end interior updates, multiple walkouts from bsmnt. Extensive decking in backyard. Call today to view!

BACKS ONTO TYNDAGA GOLF COURSE W/ SCENIC VIEWS

1113_KIMRI_1_0054

6 BED

ROOMS

Pride of ownership is evident in this 3+1 bedrm, 2 bathrm home. Many pristine reno’s completed within 5 yrs! High end kitchen, 2 bathrms, hrdwd, laminate & ceramics thru-out. Lrg m bedrm offers ensuite, large rec room in bsmnt. Exterior boasts detached garage, extensive decking and great view. Call today to view!!

COZY & CUTE IN DUNDAS

1113_KIMRI_1_0062

VIEW OF

ESCARPMEN

TDETACHED

GARAGE

Start your day with coffee in your nice and bright sun-room and walk to work to nearby Concession Street. End your day with a cool cocktail on your big covered deck in your large private backyard, Offset your liv-ing expenses by sharing your home with a family member or co-worker by offering them the separate in-law suite on the lower level (separate entrance). Upgrades include: renovations done throughout including newly installed in-law suite, new ceramics, kitchens, bathrooms, basement, mostly thermopane windows, re� nished hardwood � oors, laundry room, 100 amp, potlights, new sod, 4 car parking, separate entrances, new fridge and stove. Not a drive-by, must be seen inside! To view or put in your offer call Frank Radman.

ATTENTION JURAVINSKI HOSPITAL EMPLOYEES!

1113_KIMRI_0010

IN-LAW SUITE

WITH SEPARATE

ENTRANCEVERY SH

ORT

WALK TO

JURAVINSK

I

HOSPITA

L ENTR

ANCE

A piece of paradise! This Century style 2 storey character � lled home offers 4 bedrms, 1.5 bathrms, impressive great room all season sunroom, cozy family rm w/gas FP country oak kitchen, sep dining rm, office & main � r laundry. Several outbldgs & barn in perfect cond. incl. 4 stall horse barn. Call today for more details on the exterior buildings, property & updates.

120 ACRE MULTI PURPOSE FARM

1113_KIMRI_1_0063

GLANBROOK

6 BATHRMS

VIRTUALLY FREE

HEAT SOURCE

FEATURE PROPERTY OF THE MONTH

RIVER VIEWS



9

Ontario’s First Super Closing Centre

Serving the Areas of Hamilton - Burlington, Halton, Greater Toronto Area, Niagara & Golden Triangle

289.755.0322k.crea@� nlegalgroup.com

www.� nlegalgroup.com

SOLDSOLD

Real Estate TransactionsResidential & Commercial

11272990_1113

FINLEGAL GROUPWhere Finance and Law Meet




[email protected] or 1.877.574.7441

*For Royal LePage*For Royal LePage*For Royal LePage*For Royal LePage*For Royal LePage

Lynn VienneauBusiness Associate

Rick SharmaBroker

Reisha DassTeam Mnger/Sales Rep.

Monica BechampBusiness Associate

8158867_1113

Top 1% NationallyFOR ROYAL LEPAGE

2006-Present

STATE REALTY BROKERAGEINDEPENDENTLY OWNED & OPERATED

Jacqueline MastrangeloSales Representative

AJ GhottraSales Representative

Jodi WoodardSales Representative

1-877-574-7441 or 905-662-6039

Amazing home nestled in landscaped grounds & private woodland setting. Looks like new w/fi nished basement. Huge therapeutic spa hot tub w/40 jets. Neutral decor, recent updates (2011): roof, vinyl siding, eaves-troughs, broadloom, kitchen & both baths. Walking distance to Lake. Minutes to malls, buses & easy access to QEW. $374,900. H3103765.

GRIMSBY

1113_KIMRI_0011

This property displays pride of ownership. It is mins away from hwy access, park, Lake Ont. Gleaming dark hardwood fl rs in living & family room/with fi replace. Extended cabinets in the open concept kitchen. Large bedrms w/tons of closet space as well as excellent sized washrms w/great combination of tiles & cabinets. $379,999. H3103976.

STONEY CREEK

1113_KIMRI_0012

Amazing home close to new malls, buses, elementary/secondary schools & easy access to “Redhill”/”The Linc” hwys. 3 bedrm, 2 bathrm. Exceptional decor throughout w/newer kitchen, corner gas fi replace in family room. Upgraded eat-in kitchen. Situated among new home construction. Nothing to do but move in condition. $309,999. H3102473.

STONEY CREEK MOUNTAIN

1113_KIMRI_0013

All brick 2 bedrm renovated bungalow, walking distance to Centre Mall, bus services, schools, shops & easy access to QEW. Recent updates: windows, wiring, plumbing, gas furnace, eaves & facias, roof, side paved/private drive. Clean as a whistle. $134,999. H3104363.

HAMILTON CENTRE

1113_KIMRI_0014

Home w/huge famrm addition, gas fi replace insert, walkout to backyrd & detached garage. Home remodelled w/newer fl oors, newer maple kitchen, updated windows, over counter lighting. Basement w/updated 4 pce bath includes whirlpool tub. $179,999. H3101875.

ST. CATHARINES

1113_KIMRI_0015

Beautiful unit in the heart of Burlington has two large bedrms, laminate fl rs, updated kitchen, washrm, beautifully painted w/crown moulding in bedrm, stack-up laundry unit, large balcony. Includes a storage unit & 2 parking spaces. Close to shopping, bus routes & all other amenities. Act fast, this won’t last long. $244,999. H3103393.

BURLINGTON

1113_KIMRI_0016

Approx 1800 sqft bungalow w/scenic views & long drive into dbl garage/workshop (ideal for hobbyist). Master w/gas fi replc, 4 pce ensuite includes jetted tub & separate shower. Wood stove insert in livingrm. Newer kitchen & fl rs & walkout onto huge deck. 2nd gas fi replc in recrm. Country living mins from shops & malls. $389,900. H3102769.

SMITHVILLE/WEST LINCOLN

1113_KIMRI_0017

Walking distance to schools, Valley Park Community Centre, buses, shopping malls & movie theatres. Easy access to the Linc & Redhill Creek hwys. Rent $1495.00/month + utilities. Amazing home fi nished from top to bottom. Ideal for a growing family. $1495/month. H3103357.

FOR LEASE - STONEY CREEK MNT

1113_KIMRI_0018

Great profi table laundromat business in the heart of central Hamilton. High exposure being on Main Street East, shop front window w/lots of signage. All coin operated machines/self service. Little supervision required. Close to shops, buses, “Centre Mall” & easy access to Hamilton Mountain. Be your own boss. Great opportunity. $49,900. H3104005.

BUSINESS FOR SALE - HAMILTON CENTRE

1113_KIMRI_0019



11

905-388-1110

www.1110 .ca

Rob McDowel lBroker , BA/SRES

Paul McDowel lSales Representa t ive

8547

409_

1113

8.1 acre parcel backing onto Twenty Mile Creek near Glanbrook. 1,000 foot frontage. Many possible uses or build your dream home. New price $214,500. Call Rob. MLS H3091987

DREAM HOME

1113_KIMRI_1_0044

New owner! New opportunities! Same million dollar views from escarpment edge! 2400 sq. ft. 400 sq. ft terrace. Private elevator entry in each suite. 3 designs. Prices starting from $695,000. Call Rob or Paul for viewing of our newly furnished suite. MLS H3079836

THE MADISON IS BACK!

1113_KIMRI_1_0045

Immaculate 3 bedroom bungalow with double garage. 2 full bathrooms, updated top to bottom, nothing to do - just move in. Now only $274,900. Call Paul or Rob. MLS H3101492

NEW PRICE! NEW OPPORTUNITY

1113_KIMRI_0037

Build your dream home on this 50 x 101 foot residential building lot. Great location in Old Stoney Creek, south of King Street and a walk to town amenities & new community centre. Asking $160,000. Call Rob or Paul.

OLD STONEY CREEK

1113_KIMRI_1_0013

NEW LISTING

1113_KIMRI_0038

1113_KIMRI_0039

30% SOLD FIRM OR

CONDITIONAL

$16,000 spent last year to create almost a brand new

inground pool.

This 4-bedroom, 2 bath beauty shows very well, has a finished basement and new furnace, shingles and windows. Asking only $319,900.

Call Rob or Paul. MLS H3103915

Seniors Specialist Designation




Brokerage

905-318-3800 Results Realty Inc. BrokerageIndependently Owned & Operated Realtor®

ww

w.s

carl

etth

omes

.com

HOMELIFE RESULTS REALTY INC.

9189

931_

1113

Wow!!! Unbeatable price in this only 5 years old home with 4+2 bedrooms and 3.5 baths, fi nished top to bottom, over 3500 sq ft of living space, A/C, 6 appliances, hot tub included, main fl oor family room w/fp, main fl oor laundry room, eat- in kitchen, master ensuite, priced for fast sale. No disappointment. Shows 10+++ ... BOZENA RADENKOVIC* 905-318-3800.

$469,9

00

1113_KIMRI_1_0019

825 RYMAL ROAD EAST - HAMILTON

It is gorgeous house, don’t miss it, only 5 years old. All brick, approx 2500 ft of living space. Finished top to bottom on Central Mountain. This house has 3 living room, 3 bedrm, plenty of space

for growing family. Decorated and neat to perfection. Close to shopping, schools and access to Linc. RSA.....BOZENA KRESINA* 905-318-3800

$3

99

,80

0

1113_KIMRI_1_0032

125 ASSISI STREET - HAMILTONLot 2.... By Scarlett Homes, Kingston model approx 2502 sq ft, 9’ main fl oor ceilings, maple kitchen, granite counters + SS undermount sink, crown moulding, oak stairs, hardwood in

separate dining/upper hall, potlights, 4 bedrooms, 2.5 baths, main fl oor family room with fi replace, master bedroom with ensuite, much more....MOJGAN MOSHIRI* 905-318-3800 OR VISIT SITE MODEL & 819 RYMAL ROAD E./MON-THURS 1-6PM/CLOSED FRIDAYS/SAT-SUN 1-5PM.

$4

19

,90

0

1113_KIMRI_1_0033

8 CHARTWELL CIRCLE-HAMILTONNicely loaded with all the right upgrades. Includes: Granite counter in kitchen/powder, raised maple cabinets, under-mount sink, upgrade faucet, undermount lighting, crown moulding, dinette cabinetry, family room w/built-in maple

wall unit, gas fpl, hwd fl oors in dining, family and upper hall, coffered ceiling, decora-tive columns. Oak stairs w/wrough iron spindles, master ensuite w/dble sink, shower w/half glass walls and seat. 19 interior potlights, 5 exterior, 2 shower lights, 2 wall sconses, iron and glass insert for front doors, central air, 3 piece RI bath for bsmt...CHARENE LOTTRIDGE* @ 905-318-3800 OR VISIT SITE MODEL @ 819 RYMAL ROAD E./MON-THURS 1-6 PM/CLOSED FRIDAYS/SAT-SUN 1-5 PM 1113_KIMRI_1_0059

167 CHAMBERS DRIVE-ANCASTER

$3

89

,90

0

1113_KIMRI_1_0007

200 CHARTWELL CIRCLE- HAMILTON LOT 26...To be built by Scarlett Homes, Huntington model, approx 2391 sq. ft., 4 beds, 2.5 baths, 9 ft. main fl oor ceilings, kitchen w/granite countertops, pots & pans drawer, crown moulding,

breakfast bar, pantry, family room w/FP, hardwood fl oors in dining rm/upper hall, much more....DONNA RAKAS* @ 905-318-3800...OR VISIT SITE MODEL @ 71 CLOVERLEAF ANCASTER/MON-THURS 1-6 PM/CLOSED FRIDAYS/SAT-SUN 1-5 PM.

1113_KIMRI_1_0079

208 CHARTWELL CIRCLE - HAMILTON

LOT 29...To be built by Scarlett Homes, new site on Hamilton Mountain, the Florence model approx 2551 sq. ft., 4 bedrooms, 2.5 baths, 9 ft main fl r. ceilings, kitchen w/ fl at maple cabinets, granite

countertops w/ stainless steel, undermount sink, pantry, pots & pans drawer, crown moulding, breakfast bar, oak staircase, hdwd in separate dining rm & upper hall, main fl oor family room with fi replace, 4 interior/4 exterior potlights, much more ... MOJGAN MOSHIRI* 905-318-3800 OR VISIT SITE MODEL @ 819 RYMAL ROAD E./MON-THURS 1-6 PM/CLOSED FRIDAYS/SAT-SUN 1-5 PM.

$4

19

,90

0

1113_KIMRI_1_0078

220 CHARTWELL CIRCLE - HAMILTON LOT 11...To be built by Scarlett Homes, new site on Hamilton Mountain, the Aurora model approx 2660 sq.ft., 4 bedrooms, 2.5 baths, main fl oor family room with fi replace, main fl oor laundry room, separate

dining room, master bedroom with walk-in closet and ensuite, eat-in kitchen, hardwood fl oors, much more....MOJGAN MOSHIRI* 905-318-3800 OR VISIT SITE MODEL @ 819 RYMAL ROAD E./MON-THURS 1-6PM/CLOSED FRIDAYS/SAT-SUN 1-5PM

1113_KIMRI_1_0011

44 CHARTWELL CIRCLE - HAMILTON LOT 9...New home by Scarlett Homes, new site on Hamilton Mountain, The Kingston model to be built, the Redwood model features 2,630 sq. ft. plus double car garage. Kitchen with peninsula, granite counter and maple cabinets, built- in pantry, corner

angled upper cabinet, a bank of pots and pan drawers and crown moulding. Separate w/2 decorative columns, a coffered ceiling and hardwood fl oors. There is a window opening toward the family room w/gas fi replace with oak mantle, 9 ft. ceilings on main fl oor, oak staircase, hardwood fl oors in dining room and upper hallway, 4 exte-rior pot lights, 4 interior pot lights, dinette walk-out with terrace doors much more....CHARENE LOTTRIDGE* 905-318-3800 OR VISIT SITE MODEL @ 819 RYMAL ROAD E./MON-THURS 1-6PM/CLOSED FRIDAYS/SAT-SUN 1-5 PM 1113_KIMRI_1_0015

36 CHARTWELL CIRCLE-HAMILTON

Inventory sale quick closing. Price includes granite counter in kitchen, raised maple cabinets, undermount sink, upgrade faucet, undermount lighting, crown moulding,

dinette cbinetry, family room w/built-in maple wall unit, gas fpl, hwd fl oors, coffered ceiling, dining rm w/hdw, main fl oor laundry, oak stairs...CHARENE LOTTRIDGE* @ 905-318-3800 OR VISIT SITE MODEL @ 71 CLOVERLEAF ANCASTER/MON-THURS 1-6 PM/CLOSED FRIDAYS/SAT-SUN 1-5PM.

$549,9

00

1113_KIMRI_0036

183 CHAMBERS DRIVE ANCASTER LOT 27...New home by Scarlett Homes, Riverstone model approx 2400 sq. ft., 4 bedrooms, 2.5 baths, 9’ main fl oor ceilings, 4 bedrooms, 2.5 baths, main fl oor family room w/fi replace, separate

dining room, hardwood fl oor, granite/raised maple kitchen, pantry, pots/pans drawer, crown moulding, potlights, oak stairs....CHARENE LOTTRIDGE* @ 905-318-3800 OR VISIT SITE MODEL @ 71 CLOVER-LEAF ANCASTER/MON-THURS 1-6PM/CLOSED FRIDAYS/SAT-SUN 1-5PM 1113_KIMRI_2_0015

212 CHARTWELL CIRCLE - HAMILTON

LOT 24...New home by Scarlett Homes, new site on Hamilton Mountain, the Snowfl ake model approx 2257 sq. ft., 4 bedrooms, 2.5 baths, main fl oor family room with gas fi replace, separate formal living and

dining rooms, hadwood fl oors, granite countertop in kitchen with crown moulding, undermount sink, pantry, master bedroom with walk in closet & ensuite, bedroom level laundry, many more upgrades, closing date Oct/Nov 2012....BOZENA RADENKOVIC* 905-318-3800 OR VISIT SITE MODEL @ 819 RYMAL ROAD E./MON-THURS 1-6PM/CLOSED FRIDAYS/SAT-SUN 1-5PM

LOCATION LOCATION LOCATION. Heart of Mountain. Close to Limeridge Mall and exit to Linc. All brick, lovely 3 bedroom, 2.5 bath. House for young or growing family, new furnace, hardwood, oak stairs, two level deck,

BBQ gas, FP in rec room. Good house, good location, good value.RSA....BOZENA RADENKOVIC* 905-318-3800

1113_KIMRI_1_0031

318 CRERAR DRIVE - HAMILTON

$307,8

00

1113_KIMRI_0035

Model home available soon! New design has everything on the “Wants” list. Granite counter in kitchen, raised maple cabinets, undermount sink, upgrade faucet, undermount lighting, crown

moulding, dinette cabinetry, family room w/built-in maple wall unit, gas fpl., hdw fl oors, coffered ceiling, dining rm w/hdwd....CHARENE LOTTRIDE* 905-318-3800 OR VISIT SITE MODEL @ 71 CLOVERLEAF ANCASTER/MON-THURS 1-6 PM/CLOSED FRIDAYS/SAT-SUN 1-5 PM.

$549,9

00

171 CHAMBERS DRIVE ANCASTER

**Broker of Record *Sales Representative

$4

17

,900

1113_KIMRI_1_0009

24 CHARTWELL CIRCLE - HAMILTONLOT 6...To be built by Scarlett Homes, new site on Hamilton Mountain, the Belair model approx 2646 sq. ft., 4 bed-rooms, 2.5 baths, 9 ft. main fl oor ceilings, kitchen with fl at maple cabinets, granite countertops with stainless steel undermount sink, pan-

try, pots & pans drawer, crown moulding, breakfast bar, oak staircase, hardwood in separate dining room & upper hall, main fl oor family room with fi replace, 4 interior/4 exterior potlights, much more....MOJGAN MOSHIRI* 905-318-3800 OR VISIT SITE MODEL @ 819 RYMAL ROAD E./MON-THURS 1-6PM/CLOSED FRIDAYS/SAT-SUN 1-5PM

$4

26

,90

0$

54

9,9

00

INVENTORY HOME SALE

Beautiful Georgian style home in a quiet, highly sought- after Aldershot neighborhood! Some upgrades include, hardwood fl oors in living/dining/den/upper hall, maple staircase with wrought iron

spindles, 18” tile in kitchen, upgraded cabinets with granite counter tops, see B listing for more...Kohler fi xtures throughout, GE cafe fridge, stove, dishwasher, heated bathroom fl oors, 200 amp service, lighting fi xtures, door/hardware, built- in sound system as well as security with cameras and monitoring equipmnet. This quality built home leaves little to desire and exudes charm and character with its classic trim, molding and colour package as well as landscaping and detached fi nished garage, RSA...BORIS KRESINA* 905-318-3800. 1113_KIMRI_2_0031

693 CEDAR AVENUE - BURLINGTON

$1,4

65,0

00

$4

09

,90

0

$409,9

00

AVAILABLE IMMEDIATELY

$4

22

,90

0



13

I had a conversation with a couple of clients recently that really bothered me. �ey started by informing me that they had been

through a bankruptcy seven years ago but their credit had been squeaky clean since, and now they are ready to try and get back into home ownership.

At �rst I winced at the thought they had waited for seven long years before reapplying for a mortgage when they could have easily quali�ed for one much sooner, but that wasn’t the worst of it. I asked if they had re-established any credit over the past seven years, then braced for the answer: they both looked at each other and then back at me with that all-too-familiar “I’m not quite sure what you mean” look.

As I feared, they were told at the time of bankruptcy that they would not be able to qualify for any credit for at least seven years. Now, they might not have actually been told this, but that is certainly the impression they had. Here’s the bad part: I then had to explain to this nice couple that, although it is quite admirable that they had perfect credit for the past seven years, they also have not re-established any credit in that time, and from a lender’s perspective, that is the single most important component of deciding to lend again. In fact, most lenders will want to see that you have re-established two or three “trade-lines” or sources of credit over the past two years, and that you have paid them diligently. �is proves to a lender that your bankruptcy was an isolated incident and you now have the ability to manage your debt.

Peter is founder of the Peter Kinch Mortgage Team and the PK-Approved group of Dominion Lending Centres mortgage brokers across Canada, and he is co-owner of Pacific Bridge Mortgage Investment Corp. Feel free to forward any questions directly to Peter at [email protected]

themortgageminute

B Y P E T E R K I N C H

The true cost ofbad mortgage advice

So, what did this mean for the couple? A�er waiting patiently (based on poor advice), and doing absolutely nothing for seven years while waiting to apply for a mortgage, they now have to spend another two years re-establishing credit (such as a Visa, line of credit or car loan) before any prime lenders would look at a mortgage application. �at’s nine years in total! If they had gotten the right advice from the beginning and established new trade lines – which they could easily have done within a month of being discharged – they would have been able to apply for a mortgage at fully discounted rates �ve years ago.

Too many consumers who have experienced debt issues are not given this simple advice, so here it is in a nutshell:

» Bankruptcy or bad debt will remain on your credit record for seven years, but this is not to be misconstrued to mean that you will not qualify for credit for seven years.» From the moment you are discharged, you may apply for credit from a variety of sources that will allow you to re-establish your debt and credit rating. �ese include: › A pre-paid or secured credit card (put $5,000 in a trust account as security and then get a secured card with a $5,000 balance). › Have a family member or friend act as a co-signor or guarantor to get a secured loan from a lender with you are the primary borrower. › A car loan › An RSP loan» Your loans must report to one or both of the credit bureaus (Trans Union, Equifax) and the limits must be at least $2,500.

Once you get new sources of credit, use them and pay them o�. �e purpose of these loans and credit cards is to prove to a future lender that you now have the ability to use credit responsibly. �at means that credit lines must be revolving, not static.

If you can show that you have re-established your credit, then you may apply for a fully discounted mortgage from virtually any lender and even qualify for high-ratio mortgage insurance through Canada Mortgage and Housing Corp.

With the right advice, anyone who has gone through bankruptcy can qualify for a new mortgage within two or three years. �e same person, with the wrong advice, may need to wait as long as nine years for the same result. So, what’s the cost of bad advice?




Rare fi nd property, beautiful 5 acres of country rolling lands, with large pond, pine forest walking trails. California ranch with plenty of natural light. 2+2 bedrooms, 2-4 pc. bath w/hot tubs. Large porch and a huge deck 55’ balcony/deck. Walk-out for the lower level! Double garage and workshop, full basement under garage. Priced at only $569,000.

Call Gabriel Riverso at 905-545-1188, Toll free 1-800-563-6257, Virtual Tour at [email protected]

JUST WEST OF ANCASTER!!!

1113_KIMRI_3_0044

“Discover the Difference”www.gabrielriverso.com

Escarpment Realty Inc., BrokerageIndependently Owned & Operated

11268797_1113

Gabriel RiversoBroker

Gabriel RiversoBroker

905-545-1188

UNIQUE HOME!!! Custom built over 2100 sq. ft. of living area, plus over 2 acres lot with fabulous view! GREAT and UNIQUE energy effi cient “Blue Max” construction ranch style home. Super insulated (R40) steel reinforced concrete. Under fl oor radiant heating/air return system. Offers 3 bedrooms, a large living room and nice family size kitchen. There is tons of natural light & view from every window., asking $539,000. Come and compare, try your offer!!!

Call Gabriel Riverso at 905-545-1188, toll free 1-800-567-6257, Virtual Tour at www.gabrielriverso.com

CLOSE TO ANCASTER!!!

1113_KIMRI_4_0044

Very well kept, all brick and plaster construction custom built for the original owners as a 4 bedroom backsplit on a large 60 x 123 feet lot. Ideal for the growing family or in-law situation. The 4th bedroom converted to laundry room but could be easily reversed. 2 kitchens with solid oak cabinets, 2 baths, side entrance, large patio, close to Mohawk College. Easy highway access. $349,000

Call Gabriel Riverso at 905-545-1188, Toll Free 1-800-563-6257,

Virtual Tour at [email protected]

LOCATION!!!

1113_KIMRI_1_0034

SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!LOCATION!!!LOCATION!!!LET’S SELL YOURS!!

LET’S SELL YOURS!!LET’S SELL YOURS!!LET’S SELL YOURS!!LET’S SELL YOURS!!LET’S SELL YOURS!!LET’S SELL YOURS!!LET’S SELL YOURS!!LET’S SELL YOURS!!LET’S SELL YOURS!!LET’S SELL YOURS!!LET’S SELL YOURS!!LET’S SELL YOURS!!LET’S SELL YOURS!!

LOCATION!!!LET’S SELL YOURS!!LOCATION!!!LET’S SELL YOURS!!LOCATION!!!LET’S SELL YOURS!!LOCATION!!!LET’S SELL YOURS!!

LET’S SELL YOURS!!LET’S SELL YOURS!!LET’S SELL YOURS!!LET’S SELL YOURS!!LET’S SELL YOURS!!

LOCATION!!!LET’S SELL YOURS!!LOCATION!!!LET’S SELL YOURS!!LOCATION!!!LET’S SELL YOURS!!LOCATION!!!

A “Losani” Built Home!!! Well kept, all brick 3+1 bedroom, a great style of home, with curved staircase. It offers ensuite bath in master bedroom. Many upgrades. Large pie-shaped lot. Beautiful Florida sunroom. Totally fi nished lower level. Main fl oor family room with fi replace and more!!! $359,000. Easy access to highway. Call now Gabriel Riverso at 905-545-1188,

toll free 1-800-567-6257, or visit www.gabrielriverso.com

CLOSE TO EASTGATE SQUARE

1113_KIMRI_3_0043

1113_KIMRI_3_0045



15

Escarpment Realty Inc., BrokerageIndependently owned and operated

221A - 550 Fennell Ave. E. Hamilton, ON L8V 4S9

(905) 575-5478

Call Peter today for more information on any of these listings...**Not intended to solicit properties currently listed for sale.

E-mail: [email protected] Website: www.vandendool.com“Inducted in 2005”2003-20102011 2010

VANDENDOOLPeter


1127

0380

_111

3

Prime commercial space in Caledonia’s newest plaza. Offers 1870 sq. ft. of space and ample parking. . A perfect location for a professional office or store.

1113_KIMRI_1_0055

PRIME COMMERCIAL CALEDONIA

To be built 2892 sq. ft plan features 17’ ceilings in family room & dinette w/tall windows & hardwood. Gourmet kitchen offers a breakfast bar, granite counters, under cabinet lighting & triple pantries. The master bedroom has a walk-in closet & a gorgeous ensuite with a huge walk-in shower & corner soaker tub. This home offers amazing value on a large pie- shaped court lot. 1113_KIMRI_2_0056

SIMILAR TO BE BUILT, PORT DOVER $378,990

One of the best lots available. Located on a quiet street beside a pond. Features a 1,458 sq. ft. open concept bungalow with a luxurious ensuite, hardwood flooring, C/A, maple kitchen, gorgeous fireplace, main floor laundry, coffered ceilings and double car garage. Come and view the model at 83 Kolbe Dr.

1113_KIMRI_2_0057

TO BE BUILT PORT DOVER $303,990

Perfect starter home located in a desirable Caledonia neighbourhood. This spotless 3 bedroom home features an 18’ master bedroom with walk-in closet, main floor laundry & family rooms and a fully finished basement. Also includes a double paved drive and a generous size fully fenced rear yard with a large rear deck.

1113_KIMRI_2_0044

NEW LISTING CALEDONIA $289,900

Rarely do waterfront homes of this caliber come available to purchase. This home is fully automated by Crestron electronics providing automated lighting, entertainment, security and more. Offering approx 10,000 sq ft of living space features an elevator, indoor lap pool, radiant heat throughout including the walkways, garage and artificial turf. The 1700 sq. ft. garage features a unique door system that opens to 14’ x 17’ high opening. Must be seen.

1113_KIMRI_1_0043

INCREDIBLE LAKE FRONT PORT DOVER

1113_KIMRI_1_0058

Stunning Summit Park home. Loaded with upgrades including gorgeous Maple kitchen with granite counters, center island and backsplash. Additional features include hardwood, ceramics, oak stairs, wrought iron railings, luxurious ensuite features a corner whirlpool tub, separate shower and the list goes on. 1113_KIMRI_0001

NEW LISTING SUMMIT PARK $409,900

This is country living at its optimum. Located on a gorgeous 1.8 acre treed and rolling lot set well back from the road, offering scenic views and privacy. Features a large 3 bdrm, 2 bthrm home with an attached garage as well as a detached double car garage plus a drive. Just 15 mins to 403, Brantford. 1113_KIMRI_0002

NEW LISTING SCOTLAND $279,900




Escarpment Realty Inc., BrokerageIndependently owned and operated

221A - 550 Fennell Ave. E. Hamilton, ON L8V 4S9

(905) 575-5478

Call Peter today for more information on any of these listings...**Not intended to solicit properties currently listed for sale.

E-mail: [email protected] Website: www.vandendool.com“Inducted in 2005”2003-20102011 2010

VANDENDOOLPeter


1127

1124

_111

3

Nicely presented bungalow in Hamilton’s popular east end. Features an in-ground pool, updated kitchen with granite counters & island, recently installed patio doors to a back deck & Artic Spa. Updates include carpet in family room, exterior doors, dishwasher, stove. Pool heater & filter & bow window.

1113_KIMRI_2_0045

NEW LISTING HAMILTON $289,900

Fantastic investment opportunity. This property offers a well maintained main house with an addition featuring a totally separate in-law apartment. Located in an area of new construction offering 145’ of frontage with potential of severing a 60’ x 217’ lot. Additionalyy the owner will stub the sewer line into the potential lot.

1113_KIMRI_2_0046

INVESTMENT PROPERTY MOUNT HOPE $499,900

Be the 1st to own this exciting new design. This 1 1/2 storey 3 bedroom home features a main floor master bedroom ensuite, walk-in closet, pantry, main floor laundry and a dramatic great room with soaring ceilings. All this finished to Edwards Custom Homes high standards. Call today for the floor plans.

1113_KIMRI_2_0047

EDWARDS CUSTOM HOMES, JARVIS $299,900

Custom built all brick ranch just minutes south of Caledonia. Unique rural commercial zoning offers a long list of possibilities. The unique layout of the home offers a 23 x 20 hobby room which could easily be used for the commercial portion of the home. Features an oversized double garage, oak kitchen, 2 fireplaces, main floor family room and a formal living room. Offers tremendous value.

1113_KIMRI_1_0049

ONEIDA RESIDENTIAL & COMMERCIAL $359,900

Fantastic 4 bedroom home finished from top to bottom. Located on a quiet Caledonia St. offering a main floor family and laundry room, professionally finished lower level features a large rec-room, 3 piece bathroom and an additional bedroom. Outside there is concrete drive and patio and an extra deep pool sized lot.

1113_KIMRI_1_0050

4+1 BEDROOM HOME CALEDONIA $334,900

Beautifully designed home features 1458 sq. ft. of modern open concept living. Loaded with extras, includes maple kitchen with island and pendant lighting, under cabinet lighting, glass tile backsplash & pot drawers. The great room features tray ceilings, engineered hardwood flooring and a cozy gas fireplace. Lots of extras including C/A, pot lights, wrought iron railings, upgraded under pad, all brick exterior with stone skirt and double car garage.

1113_KIMRI_1_0051

IMMEDIATE POSSESSION PORT DOVER $279,990

This 1269 sq. ft. home features a fantastic floor plan with 2 large bedrooms, cozy gas fireplace, main floor laundry room, upgraded maple kitchen with a lazy Susan, under cabinet lighting, pot drawers and convenient garbage pull out. Must be seen.

1113_KIMRI_1_0052

LUXURY TOWNHOUSE PORT DOVER $238,803

Stunning end unit quality built by Willik Homes Ltd. Offers over 1200 sq. ft. of modern open concept living on the main floor. Features include hardwood flooring, maple kitchen ensuite bathroom, main floor laundry room, coffered ceiling, cozy gas fireplace and more.

1113_KIMRI_1_0053

END UNIT PORT DOVER $247,468

SOLD



17

More than four million people moved residences in Canada last year, many of whom did the packing themselves. For some, it works out fine;

others have problems resulting from a lack of foresight, poorly packed boxes and inexperience in loading moving trucks. Here are a few tips to help you avoid finding damaged items at your destination:

{01} Consider purchasing boxes from your mover. �e most common packing mistake we see are people getting free boxes at the grocery or liquor store and then putting too much weight in them. For example, using a large box to pack books and magazines may make it too heavy to li�, and the box might break during the move. Use this rule of thumb: the heavier the item, the smaller the box. Be choosy about your boxes; free boxes from a grocery store that have been used to ship produce could contain insect larvae that may transfer to your belongings.

{02} Be realistic about the number of boxes you need. Depending on how long you have lived in your current location, you will most likely underestimate your boxes requirement. O�en, we hear of people who think 50 or 60 boxes will be enough, and then realize they need 250, two days before moving day.

{03} Start packing early and be completely packed when the movers arrive. Sometimes we arrive at a customer’s home and they’re not packed. �ere’s nothing more frustrating than trying to move customers’ belongings while they are attempting to shove items into boxes. �is also interferes with the optimal loading of the moving truck. We have a loading system where the �rst things we place in the truck are light items such as chairs, lampshades, cushions, etc; we place these items in the ‘attic’ (the area over the cab) of the truck. We can get lots of light items up there and they stay secure. Next, we create a ‘box wall’ stacked to the ceiling to

hold the items in the attic in place. We then stand plastic-wrapped mattresses against the box wall and secure everything with tie-o� straps to keep belongings from getting jostled during the move. If you’re not completely packed and ready on moving day, we can’t create that box wall early on and, this decreases the capacity of the items that can be moved at one time. It also eats up precious time, and therefore, money!

{04} �ink ahead. Begin packing items you don’t use daily. As you pack your boxes move them to the front of your home and stack them along a wall near the front door. Having them by the door, organized and ready to go, instead of having movers go back and forth to each room can shave 10 to 20 seconds o� the time for each box. Saving 20 seconds per box can save lots of time and money.

{05} Consider having your moving company pack for you. They are skilled, have more experience and have standard-size small, medium and large boxes that are designed to fit into their trucks to create a perfect box wall for optimum efficiency and safety.

When it comes to moving, forethought goes a long way. Because your belongings mean a lot to you, take extra care when packing so that they arrive at your destination safely.

Avoid common packing mistakes

Dan Hopkins is Chief Operating Officer, Two Men and a Truck Canada. twomenandatruck.ca

B Y DA N H O P K I N S

makeyourmoveResale Home & Condo Guide - Hamilton & Halton Edition



9189934_1113

Westdale 905.522.3300Ancaster 905.648.6800Locke St. 905.529.3300

* Denotes Sales Representative **Denotes Broker

Charming 3 bedroom brick bungalow with beautifully refinished hardwood floors, large living room, and an eat-in kitchen. Unspoiled basement with 2-pc bathroom, gas fireplace, and loads of potential. Fenced yard, many updates. By appointment only.

IMMACULATE MOUNTAIN BUNGALOW

1113_KIMRI_0026

$249

,900

Call Krista Hann* at 905.648.6800 or email [email protected]

3 bedroom freehold end unit, linked only at garage and located on a quiet court. Open-concept main floor with eat-in kitchen open to large living room. Master bedroom with his/hers closets and ensuite privilege. Finished basement, fenced yard with two-tier deck. Great value!

WATERDOWN FREEHOLD TOWNHOME

1113_KIMRI_0027

$305

,000

Call Krista Hann* at 905.648.6800 or email [email protected]

Well maintained three bdrm two bath end unit townhome. Great location close to Redhill. Expressway and most amenities. Good sized bedrooms, central air, private yard, separate dining room, eat-in kitchen, move in condition.

HAMILTON EAST TOWNHOME

1113_KIMRI_0028

$179

,000

Call Nelson Kolenski* at 905.648.6800 or email [email protected]

Lovingly maintained, custom built brick bung on large ravine lot! Freshly painted, this home offers 3+2 bed, 3 bath, 6 walk-outs, 2 eat-in kit, 2 fireplaces, main floor den, rec room, office, hobby & plenty of other spaces to personalize.

ROCKWOOD BUNGALOW

1113_KIMRI_0029

$450

,000

Call Janice Rocchi* at 905.648.6800 or email [email protected]

Rare, opportunity to purchase this "R1" low density residential lot, overlooking a ravine with a pond/stream! With a frontage of 65.66 feet and depth reaching 209.9 feet to the southerly limit of Richardson's pond x 74 feet, close to Guelph.

ROCKWOOD LAND

1113_KIMRI_0030

$130

,000

Call Janice Rocchi* at 905.648.6800 or email [email protected]

Owners have completed all major renovations - furnace 6 yrs-roof 10 yrs- plumbing & electrical all redone. Hardwood floors on main floor bedrooms refinished, beautiful huge basement (could be divided), 3 car garage. Pleasure to show!

WESTDALE MOVE-IN CONDITION

1113_KIMRI_0031

$339

,900

Call Michael O' Connor* at 905.648.6800 or email [email protected]

Luxury townhome in Valley Heights with spectacular conservation views and the Bruce Trail at your doorstep. Wide plank espresso oak hardwood & gas FP with custom mantle & granite surround in Great Room. Dream Maple kitchen with granite & glass backsplash & breakfast bar. Large master with walk-in closet + 2nd floor laundry.

DUNDAS CONDO

1113_KIMRI_0032

$379

,900

Call Andrew Karpavicius* at 905.522.3300 or email [email protected]

West facing 1097 sq ft modified 2 bedroom, 2 bath Lincoln model. Floor to ceiling windows, maple kitchen, large breakfast island, granite counters and backsplash, stainless steel applinaces, polished concrete floors, lots of closet space, storage locker on same floor. 24-hrs notice. Underground parking avail @ $150/month

HAMILTON CONDO

1113_KIMRI_0033

$249

,000

Call Andrew Karpavicius* at 905.522.3300 or email [email protected]

Reno'd from top to bottom, this wonderful Burlington home has a chic, modern decor. Featuring an open concept, heated tile floor, finished basement, and hot tub. Spacious landscped lot with pool, in a great family neighbourhood, close to hwy's, schools, parks and shopping. A must see!

GREAT FAMILY NEIGHBOURHOOD

1113_KIMRI_0034

$414

,584

Call Richard MacLean* at 905.522.3300 or email [email protected]



19

Now Available Online

Mar 31 - Apr 14, 2012 Volume 12 Issue 6



HAGERSVILLE - 3 CAR GARAGE ON 59' WIDE LOTS!

PARKVIEW ESTATES - Furn. models. Close to schools,

hospital & outdoor park. 2 storeys, elevated ranches,

backsplits & bungalows. Prices from $229,900. Open Sat &

Sun 12-4 pm, Mon-Fri 2-4 pm. Donald Plouffe, Broker of

Record, Donald Plouffe Ltd. Real Estate Brokerage. 905-632-

5940. See virtual tours at www.plouffehomes.ca

TIME TO REWARD YOURSELF! - $579,900 - Truly one of the nicest homes in Cayuga! Property is manicured to perfection. 3 large bedrms, 2.5

bathrms. Main floor family and laundry rm. Finished basement 24' by 32' heated workshop w/ attached greenhouse. The inside of the Cape Cod is

a pure pleasure to view. Sitting on over an acre. Call today to view! Norm Merz, Sales Representative, Re/Max Escarpment Realty, Brokerage.

905-575-5478. www.normmerz.com 94 Ottawa St. S. Cayuga. MLS #H3082567.

0512_KIMRI_8000

1312_KIMRI_0203

LAKESIDE LIVING! $389,900 - Executive subdivision along the shores of

Lake Erie! Custom 6 yr old, 3-bedrm home with many upgrades! Granite

countertops, hardwood floors, 5-pc ensuite, 2 fireplaces, garden doors to

back deck, cathedral ceiling! Attached garage, unspoiled full basement!

Views of Lake Erie with right-of-way to beach! Dunnville near Freedom Oaks

Golf Course! Call Liz Koster, Broker - 905-774-7511 - for your viewing!

Royal LePage Niagara Real Estate Centre Brokerage. 0312_KIMRI_3_0013

AFFORDABLE LIVING - $48,500 - Walk to Locke St. cafes,

shops, bus. One bedroom co-op, perfect for single or

retirees. Bring your updating ideas. Monthly fee $425 incl

taxes, heat, water, bldg mtnce, bldg ins. No pets or

smoking. 285 Bold St. Call Val Dalgetty-Righton, Sales

Representative, Coldwell Banker Pinnacle Real Estate,

Brokerage. 905-522-1110. MLS #H3080017. 0912_KIMRI_0001

Artist concept

April 14 - 28, 2012 Volume 12 Issue 7



HAGERSVILLE - 3 CAR GARAGE ON 59' WIDE LOTS! PARKVIEW ESTATES - Furn. models. Close to schools, hospital & outdoor park. 2 storeys, elevated ranches, backsplits & bungalows. Prices from $229,900. Open Sat & Sun 12-4 pm, Mon-Fri 2-4 pm. Donald Plouffe, Broker of Record, Donald Plouffe Ltd. Real Estate Brokerage. 905-632-5940. See virtual tours at www.plouffehomes.ca

GRIMSBY - $489,999 - Custom built with scenic views of escarpment. Luxury in-law suite. Open kitchen with stainless steel appliances overlooking

living & dining rm. Granite countertops throughout. Hardwood flr on main level. Ensuite w/corner whirlpool tub. Bsmnt w/ 2nd kitchen, ceramic flrs,

corner gas fireplace, 2 bedrms, den & private entry. Roof w/ lifetime warranty. H3083319. Call Rick Sharma, Broker, Royal LePage State Realty,

Brokerage 905-662-6039 or visit www.TheSharmaTeam.ca

0512_KIMRI_8000

1512_KIMRI_0069

BINBROOK - COUNTRY BUNGALOW $394,900 - 3 bedrm all brick home situated on over 1 acre southern exposure lot. Bright eat-in kitchen, spacious living room, fully finished lower level. Oversized garage 31' x 16' & parking for 10 cars. So many updates. Call Lisa Tollis, Sales Representative, Royal LePage State Realty, Brokerage 905-574-4600 www.LisaTollis.ca 1512_KIMRI_0036

AFFORDABLE LIVING - $48,500 - Walk to Locke St. cafes, shops, bus. One bedroom co-op, perfect for single or retirees. Bring your updating ideas. Monthly fee $425 incl taxes, heat, water, bldg mtnce, bldg ins. No pets or smoking. 285 Bold St. Call Val Dalgetty-Righton, Sales Representative, Coldwell Banker Pinnacle Real Estate, Brokerage. 905-522-1110. MLS #H3080017. 0912_KIMRI_0001

Artist concept

Read all our magazines online in an easy-to-use flip-page format

www.homeTRADER.cato view our print publications online

PLEASE VISIT







21

`

DREAM HOMES

HSTIncluded

Visit Our Model Home or View at www.zeinahomes.ca

Model Home

Fabulous West Mountain LocationUpper Paradise - South of Rymal Rd.

1126

7152

_111

3

3LOCATIONSHamilton, Oakville, Dundas/Greensville

40, 45 &

50 FT. LOTS

PhaseIII

NowOpen

Specializing in Custom New Homes

Sat. & Sun 1-5pmMon-Thurs 2-6pm

or by appt.*Prices quoted are for Hamilton Area

Dennis J. Petis, Broker

Leanne Johnny, Sales Representative

905.574.3038Homelife Macro Realty Inc. Brokerage Independently Owned & Operated


Brokerage

14 Superb Zeina Designs

OR Custom Build from

$410,900

Over 8,000 Professional,

Thorough Inspections Since 1991

BROCK DUNSBY R.H.I.

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11270311_1113

MILLIE PANTONFRI, Broker of Record

[email protected] -387 -5992

m. PANTON REAL ESTATE BROKER, BROKERAGE MILLIE PANTON, FRI BROKER OF RECORD14 Windstar Place Hamilton, ON L9C 7H1

9549010_1113

Call Millie Panton, FRI, Broker of Record,M. Panton Real Estate Broker, Brokerage | 905-387-5992

MORE LISTINGS NEEDED!!!Call today for a FREE MARKET EVALUATION -

Interest Rates are great - our Economy strong - take the opportunity to downsize or upsize NOW.

“Serving with dedication & integrity since 1970”

Immaculate & maintenance free 3 + 1 bedrooms brick raised ranch. Gleaming hardwood floors in living, dining, kitchen, stairs & mainfloor halls. Bedroom carpets replaced approximately 3 months. All windows replaced with tilt & turn. Roof new Sept. 2011, air conditioner & furnace 2007, ducts cleaned Nov 2011; recrm. w/woodstove. All appliances & most window covering included. Handy to all schools & other amenities. Much more!! 30 days possession...MLS#3104552 (w/virtual tour).

NEW LISTING RAISED RANCH WITH GARAGE $235,900

1113_KIMRI_0041

Call Millie Panton, FRI, Broker of Record, m. Panton Real Estate Broker, 905-387-5992.

finances

Working from home: tax tips for the self-employedB Y J E N N K I L L I N S

They say two things in life are certain: death and taxes. How we are going to die and how much tax we pay are both grey areas and, for

the most part, out of our control. But let’s leave the Grim Reaper in the graveyard for now. Believe it or not, I have some good news on the tax front! And no, I’m not running for o�ce...

Taxes are not only a sure thing, they are also scary, boring and intimidating for most. Don’t let this tax season scare you or get you down. If you work from home, here’s some great news: it is no longer just the starving artist who can bene�t from working from home. �ere is a way you can give yourself a little raise. Self employed, employees, and commissioned income earners, get ready to Google the following forms to see what tax breaks you are eligible for.

» T2125 – CALCULATION OF BUSINESS USE OF HOME EXPENSES �is one will guide the self-employed Canadian to deductions at home such as heat, electricity, insurance, maintenance, mortgage interest and property taxes. �e rule of thumb is if you need to spend it to make money at home, you can more than likely deduct it. Some larger repairs may have a capital cost eliminate to them. �is form will give you details on this and other deductions you are entitled to if you’re self-employed.

» T777 – STATEMENT OF EMPLOYMENT EXPENSES �is form is for the employee who works from home. It is important to know that it doesn’t matter if you only work from home part of the time – you are still eligible to claim a portion of the time you do work from home. Employees are eligible to claim items such as heat, electricity, general repairs, condo fees, Internet and work phone. �e only expenses you can’t claim as an employee versus self-employed are mortgage interest and property taxes. An exception is made for commission employees. As an employee, you must have your employer �ll out a T2200. �is form tells Revenue Canada what the employer’s expectations are for work and expenses from themselves and from yourself as the employee.

» GENERAL FACTS ABOUT HOME DEDUCTIONS �e amount of the deduction is calculated based on the amount of space you use in your home for income. Let’s say you have 10 rooms in your home and two are used for work. �e pro-rated amount is based on the percentage of the home used for work. In this case, 20 per cent. So, if your deduction total is $10,000 x 20 per cent, it’s a $2,000 deduction o� your income for you! It’s important to know that the deduction only applies to income.

If this is the �rst you are hearing of this but have been working from home for quite some time, don’t fret – you are able to go back to previous years and do a

DON’T LET ALL THESE FANCY FORMS AND TERMS SCARE YOU. DO A BIT OF HOMEWORK AND TAKE IT TO A PROFESSIONAL IF YOU’RE NOT SURE OR JUST PLAIN CAN’T STAND THE IDEA OF DOING YOUR OWN TAXES.




Jenn Killins is a financial planning expert, speaker, media personality and author of the best-selling finance book, Finding the G Spot, a sassy, sensible, entertaining approach to finance. Jenn has a creative way of keeping finance simple. Follow Jenn on Twitter @findingtheGSpot, and for more information, visit dollarsandsense.info.

T1 adjustment to make a claim for the years you missed the boat!

Keep your receipts. If Revenue Canada comes calling, you want to make sure you can prove your expenses that have been claimed.

And �nally, don’t let all these fancy forms and terms scare you. Do a bit of homework and take it to a professional if you’re not sure or just plain can’t stand the idea of doing your own taxes. When in doubt, ask if you’re eligible to claim the deduction. Don’t assume if you don’t know. �e money spent for good advice will pay o�.

�ere are so many �nancial bene�ts to working from home. You’re already

paying most of these expenses anyway, and the fact that you can claim a portion is a great bene�t. Let’s not forget the personal bene�ts. Nothing is better than working from home in your pajamas. I used to do that all the time. Not as much anymore… darn Skype!

It’s not always about working harder. �ere’s something to be said for working smarter. So sharpen the pencils, Google it up and give yourself that much-deserved raise!

THERE ARE SO MANY FINANCIAL BENEFITS TO WORKING FROM HOME.

YOU’RE ALREADY PAYING MOST OF THESE EXPENSES

ANYWAY, AND THE FACT THAT YOU CAN CLAIM A PORTION

IS A GREAT BENEFIT.



23




11270316_1113

Delay * Withdrawal

Tranquilli-T assumes interest on unexpected bridge financing.

Tranquilli-T covers additional expenses such as hotels, storage, moving expenses, pet boarding, property upkeep and maintenance, heating, electricity, legal fees, taxes, insurance.

In the event of delay or withdrawal, on a subject free contract of purchase or sale, for additional expenses over and above $300.00 deductible, for a period of 180 days or up to the policy limit of $25,000 (this limit may vary depending on the value of the property)


Death of the Buyer or Buyers Spouse

Tranquilli-T will pay the seller the agreed sale price.

Tranquilli-T will pay the real estate fees, and addittional expenses related to the resale of the property.


Legal Assistance * Legal Fees

Tranquilli-T covers legal fees (not repairs) up to $5,000 per event for a maximum aggregate of $10,000 if the buyer or seller withdraws with no valid reason, false declaration by the seller, presence of a latent defect, any litigation with neighbours, tenants or service providers resulting from the real estate transaction, subsequent ownership and occupancy of the residence.

Tranquilli-T provides free unlimited telephone consultation with a Tranquilli-T lawyer.

RE/MAX clients can choose their own lawyer or Tranquilli-T can refer one with pre-approval of legal fees.

MAURIS CECCA8254235_1113


BUS: 905-388-1110

Sought-after “shore liner” complex. 2 bedrm + den spacious � oorplan. Features pool, sauna, hot tub, exercise rm, squash ct, well equipped workshop, party rm and more.

1113_KIMRI_0023

WATERFRONT CONDO!!!

Walk to parks and trails. Renovated beauty. New shingles, windows, so� t, fascia & eaves. 2 new baths, new kitchen with glass and marble backsplash, travertine � rs, hardwood through out livingrm and 3 bedrms. Lower level boasts rec/rm with pot lights plus den.

1113_KIMRI_0024

WEST MTN SCENIC DRIVE AREA!!

75’ l

ot!!!

In the heart of Dundas, open concept 2 bedrm, 2 bath, corner unit with lots of windows. Huge living rm/dining rm area, new carpets throughout, oak kitchen with ceramic backsplash, recent furnace and c/air, large laundry/storage rm.

1113_KIMRI_0025

DUNDAS CONDO: NEW LISTING!!



25

your guide to the hottest real estate in hamilton

halton and niagaralistedtv

Sunday Mornings at 9:30

visit us online at facebook.com/listedtv

SOLDSOLD

SOLDSOLD

LISTED tv Ad.indd 1 05/04/2012 4:34:41 PM

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[email protected] line: 905-746-7746

CALL TODAY! 905.547.3553

WWW.BOJANK ATANIC.GOLDBOOK.CA

Located in West Hamilton. Minutes to Downtown core. Dundurn Castle, schools, hwy access. Top fl oor, with over sized balcony and view of Lake Ontario. Spacious 1 bdrm currently tenanted for $882/month. Huge living room, in suite laundry, underground parking and much more. 5 appls included. Great buy.

K A T A N I CBROKER

www.Megna.com

Reserved For Your Lovely

Home

Don't miss the SPRING MARKET!

Call BOJAN today to list your home

Bright and spacious 2 bedroom condo with over sized balcony, located in East End, near schools, public transportation, shopping, hwy access, etc. Unit features updated laminate fl ooring and tiles in the kitchen, baseboards, bath and some interior doors. This move in ready unit/building features in ground pool, tennis court, lot of parking space, 2 elevators, security, etc. Please call today to view this care free living, before it is gone. Cheaper than rent.

EAST HAMILTON 2 BEDROOM CONDO

$94,746

1113_KIMRI_5000

WEST HAMILTON 1 BEDROOM CONDO

1113_KIMRI_5001

2+3 bdrm single detached home with great income, located approx 500 m from McMaster U. Fully rented until Apr 2013. Recent, furnace, hydro panel, range hood, kitchen. Separate side entrance for easy access to the bsmt. For rental info please contact listing agent.

WEST HAMILTON BUNGALOW

$307,746

1113_KIMRI_5002

Located by McMaster University on quiet crescent backing onto green/bush space. This bungalow offers you extra deep lot (152), 1 1/2 detached garage, 3 separate entrcs to the house, extra long driveway up to 4 cars, full brick, 3+3 bedrooms, 2 full bathrooms, 2 kitchens, 2 living rooms, newer laminate fl ooring.

WEST HAMILTON NEAR MCMASTER U

1113_KIMRI_5004

Located outside Niagara Escarpment and Greenbelt. Build your dream home on approx 93 acres farm. Approx 80 acres of workable land currently rented, 13 acres of bush. Road allowance is separating farm in two parcels. 20 acres natural severance, and 73 acres possible fi ll in lot severance. Rear fronts on road allowance as well. Single detached home with separate entrance to the basement currently rented. Updated shingles, windows, fl ooring, bathrom, furnace, panel and much more. Huge workshop and barn. Minutes to downtown Grimsby.

GRIMSBY 93 ACRES FARM

1113_KIMRI_5003

SOLDSOLD

$127,746

www. rahb. ca8313166_1113




stylefile

Smart tips for sweet dreams

B Y YA N I C S I M A R D

Whether you’re a stressed-out insomniac or a sweet dreamer, you could likely use a little more sleep. I’m more on the insomniac side, so while laying in bed thinking I did a little research and found these tips – old and new – that can help us all rest a lot easier.

1. THE MATTRESS�ere are two traditional mattress types to choose from: coil or memory foam. Although metal coil mattresses are still made today, the wires can sometimes lose their shape over time, even to the point of poking through the mattress (which is not how I like to get my acupuncture therapy). Pocket coil mattresses update this system, creating long lasting coils that �ex to �t the body.

Memory foam uses modern materials to create a so�er, more form-�tting surface, which reacts to your body without wearing out as quickly (although some can trap in heat and moist air). �e foam then “remembers” its original shape and snaps back when you get up, ensuring the shape doesn’t sag over time.

My favourite type of mattress is also the newest, and a sort of combination of the other two: a memory foam coil mattress made by Dormeo Octaspring. �is mattress has all of the aerating bene�ts of classic coils, but is made of ultra high-

PHOTO COURTESY OF DORMEO OCTASPRING

I ALWAYS STICK WITH NATURAL FABRICS OVER SYNTHETIC, AS THE ORGANIC FIBRES BREATHE AND ALLOW HEAT AND MOISTURE TO ESCAPE, PROMOTING CONSISTENT SLEEP CONDITIONS.



27

Yanic Simard is the principal designer of the Toronto Interior Design Group. Specializing in residential and commercial projects, Simard often applies his signature high/low and old/new combination design techniques in developing unique designs. Simard has created designs for clients in Toronto, Montreal and Miami, and has appeared as a regular guest expert on Citytv’s Cityline. For more information visit tidg.ca.

tech foams that support each part of your body perfectly, so you get the best of both worlds.

Once you have the perfect mattress, make sure to dress it well: thread counts are the �rst thing many shoppers look at when buying bedding, but what’s truly most important is feeling the fabric for yourself to see how you respond to it. I always stick with natural fabrics over synthetic, as the organic �bres breathe and allow heat and moisture to escape, promoting consistent sleep conditions.

2. THE SUPPORT SYSTEMWhen selecting a frame, you have to balance function and style. Platform beds with minimal, block forms are trendy right now, and the look is very clean and clutter-free which can lower stress (as they say, a tidy home is a tidy mind). However, a more open bed frame will let air pass under the mattress, which allows for even better ventilation if you tend to get hot in the middle of the night.

Any type of mattress can bene�t from the extra shock absorption of a box-spring, so I recommend giving yours a check-up with every new mattress, as a worn out one won’t provide nearly as much support.

3. THE SPACEYou may have heard that one of the best ways to bring a sense of rest to your sleeping space is by calming down your colour scheme. �is is true; cool tones, from greens to blues to purples, are less energizing and can help you relax. However, “less energizing” doesn’t have

to mean “boring.” In the dark, colours in related tones (i.e., saturation levels) will tend to blend out, so you can still mix together a rich invigorating palette to wake up to and let all that energy disappear at night with the �ick of a switch.

Fibre isn’t just good for your diet, it’s good for your sleep! Hardwood is a very popular �ooring choice this century, but in the bedroom some carpeting (or an area rug) and lush drapery will bring in both so�ness and some sound absorption; if you usually go minimal, here’s the place to go a little more luxe.

4. THE DETAILSEven if you aren’t afraid of the dark, small amounts of light can upset your natural sleep patterns, disrupting melatonin production and interrupting deep slumber. Consider giving your curtains a blackout lining and choose electronic accessories that don’t cast light (such as the power indicator on a phone charger or an LED alarm clock). Experts suggest that being able to see the time constantly ticking away at night only stresses you out, so choose a clock that is only lit when you really want it (such a button-activated digital clock or an old-school mechanical model).

Now that the space is nice and cave-like, position your bed away from the room’s entrance to put your protective animal instincts at ease, and remove any furniture (such as a desk) that turns your sleep space into a work space. Having your work and rest zones physically distinct is an important step to keeping them mentally separated.

If you follow the above four points, your brain will have nothing to worry about at night – except what to dream about next.

For even more tips on creating a better sleep space, come to the Direct Energy Centre and take in my presentation at the National Home Show on Toronto Star Day (Friday, March 22nd) at 5:00 p.m. I’ll be partnering with Dormeo Octaspring to bring you styling lessons, shopping tips, and more. I can’t wait to see you there. Until then, sweet dreams!

ANY TYPE OF MATTRESS CAN BENEFIT FROM THE EXTRA SHOCK ABSORPTION OF A BOX-SPRING, SO I RECOMMEND GIVING YOURS A CHECK-UP WITH EVERY NEW MATTRESS, AS A WORN OUT ONE WON’T PROVIDE NEARLY AS MUCH SUPPORT.




homebuyers’help

HOMEBUYERS’ RESOURCE SECTION

You love the home, see what you can afford! Compare mortgage rates for your best deal

Calculate your mortgage payments using the mortgage payment calculation chart



29

homebuyers’help

BUYING A HOME | THE FIRST STEPS

arrange for a mortgage select a home inspector select a real estate agent select a lawyer

AFTER BUYING: home insurance warranties

SELLING A HOME | THE FIRST STEPS

select a lawyer select an agent – contract – negotiate commission assess the market value of your home renovate to increase the value of your home

STAGING FOR PROSPECTIVE BUYERS: clean (walls, doors, baseboards) store personal items clear clutter front yard – clean, no debris paint if needed kitchen bathroom

KEY PLAYERS ABOUT THE PROPERTY

agent’s name:phone number:email: broker’s name:phone number:email: lawyer’s name:phone number:email: inspector’s name:phone number:email: reno expert’s name (1):phone number:email: reno expert’s name (2):phone number:email: nice to have:

deal breakers:

property:list price:property taxes/year: NEIGHBOURHOOD closest main intersection:

elementary schools:high schools:hospitals:clinics:

shopping (supermarkets/malls):

banks:

public transportation:

closest highway:

distance from work/school:occupancy:heating: CONDO amenities:

maintenance fees:




% 10 YEARS 15 YEARS 20 YEARS 25 YEARS 5.00% 10.58 7.88 6.57 5.82 5.25% 10.70 8.01 6.74 5.96 5.50% 10.82 8.14 6.85 6.10 5.75% 10.94 8.27 6.98 6.25 6.00% 11.07 8.40 7.12 6.40 6.25% 11.19 8.53 7.26 6.55 6.50% 11.31 8.66 7.41 6.70 6.75% 11.43 8.80 7.55 6.85 7.00% 11.56 8.93 7.69 7.00 7.25% 11.68 9.07 7.84 7.16 7.50% 11.81 9.21 7.99 7.32 7.75% 11.94 9.34 8.14 7.47 8.00% 12.06 9.48 8.28 7.63 8.25% 12.19 9.62 8.44 7.79 8.50% 12.32 9.76 8.59 7.95 8.75% 12.45 9.90 8.74 8.12 9.00% 12.58 10.05 8.86 8.28 9.25% 12.71 10.19 9.05 8.45 9.50% 12.84 10.33 9.20 8.62 9.75% 12.97 10.48 9.36 8.78 10.00% 13.10 10.63 9.52 8.95 10.25% 13.24 10.77 9.68 9.12 10.50% 13.37 10.92 9.84 9.29 10.75% 13.50 11.06 10.00 9.46 11.00% 13.64 11.22 10.16 9.63 11.25% 13.77 11.36 10.32 9.80 11.50% 13.91 11.52 10.49 9.97 11.75% 14.04 11.66 10.65 10.15 12.00% 14.18 11.82 10.81 10.32 12.25% 14.32 11.97 10.98 10.49 12.50% 14.46 12.13 11.15 10.67 12.75% 14.59 12.28 11.31 10.85

MORTGAGE PAYMENT CALCULATION CHART

1. Calculate the combined monthly before-tax income between you and your spouse.

2. Divide by three. This figure is the monthly payment you can afford to make on your home.

3. Take the total price of the home and subtract the amount of money you expect to make as a down payment. This is the money you will have to borrow.

4. Refer to the chart below. Look down the left column and locate the interest rate you expect to pay. Line this up with the amortization period of your choice. (Most first-time buyers choose the 25-year amortization).

5. Multiply this figure by the amount you need to borrow. Divide by 1,000.

6. Add to this your estimated monthly heating costs and monthly property taxes.

7. If this figure is equal to or less than one-third of your gross monthly income (calculated in Step 2), you’ll qualify for a mortgage on your dream home.

CALCULATE YOUR MORTGAGE PAYMENTS

TOTAL PRE-TAX INCOME

MONTHLY PRE-TAX INCOME

SPOUSE’S PRE-TAX INCOME+ =

AMOUNT OF MORTGAGE(PRICE – DOWN PAYMENT)

DIVIDE BY 3AFFORDABLE

MONTHLY PAYMENTS

=

AMORTIZATION AMOUNTCHART FIGURE

AMOUNT OF MORTGAGE

DIVIDED BY 1,000X =

MONTHLY PAYMENTS

AMORTIZATION AMOUNT

ESTIMATED MONTHLY

TAXES & HEAT+ =

Bear in mind that this is a rough estimate. If you have several other large loans already, you may qualify for less. Also, banks and trust companies vary in their policies. The best way to know what you can afford is to go to the lending institution of your choice and get pre-qualified.

USE THIS GUIDE TO SEE IF YOU’LL QUALIFY FOR A MORTGAGE ON YOUR DREAM HOME



31

CHARTERED BANKS VARIABLE 6 MONTHS 1 YEAR 2 YEARS 3 YEARS 4 YEARS 5 YEARS

ATB Financial 2.8 4 3.1 3.14 3.7 4.39 3.19 6.30op 6.30op 6.50op

Alterna Svgs/Alterna Bk 3 4 3.05 3.09 3.09 3.29 3.24 6.30op 6.30op

Bank of Montreal 3.1 4 3 3.04 2.79 2.99 3.09 6.30op 6.30op

Bank of Nova Scotia 3 4.55 3.75 2.69 3.99 4.39 4.99 6.45op 6.50op

Canadian Western Bank 4 3 3.04 3.65 4.64 5.24 6.45op 6.30op

CIBC 3.2 3 3.14 3.65 2.99 5.24 6.70op 6.35op

HSBC Bank Canada 3 4.45 2.7 3.95 2.98 4.99 3.49 6.20op 6.35op

ICICI Bank Canada 3.05 3.15 3.65 3.64 3.69 3.44

ING Direct 3 3 3 2.79 3.25 3.08

Laurentian Bank n/a 4.4 3.09 3.14 3.7 3.64 3.79 6.70op 6.30op

Manulife Bank 3 4.45 3 3.05 3.1 3.1 3.09 4.00op

MonCana Bank 2.94 2.94 2.94 2.99 3.04

National Bank n/a 4 3.1 3.14 3.7 3.19 3.79 6.70op 6.30op

President’s Choice Finan 3.2 3.2 3.24 3.35 3.44

Royal Bank 3.2 4 3 3.04 2.99 4.64 3.29 6.30op 6.30op

TD Canada Trust 3.2 3 3.04 2.79 2.99 3.19 6.30op

TRUST COMPANIES

AGF Trust n/a 2.99 3.1 3.5 3.64 3.14

Community Trust n/a 6.5 3.1 3.35 3.95 4.64 5.24

Effort Trust n/a 4.45 3.25 3.6 3.9 4.5 4.95 6.30op 6.30op

Home Trust Company 3.2 3.95 2.74 2.49 2.89 3.15 2.99

Investors Group Trust n/a 4 3 3.14 3.65 4.64 5.24 6.50op 6.30op

MTCC 3 4.55 3.75 2.69 3.99 4.39 4.99 6.45op 6.50op

OTHER FINANCIAL INSTITUTIONS

Airline Financial C.U. 4 2.99 3.25 3.29 3.09 3.49 6.25op

Comtech Credit Union 2.79 6.6 2.99 3.25 3.29 3.19 3.29 8.40op 9.00op

First National Fin. LP 3.95 2.74 2.69 2.79 2.99 3.09

FirstOntario C.U. 2.79 3.09 3.19 3.24 3.29 3.12 6.34op 6.34op

London Life n/a 4 3 3.14 3.65 4.64 5.24 6.50op 6.30op

MCAP 2.9 3.6 3.95 4.35 4.89 5.24 7.00op

Meridian Credit Union 2.85 4.45 3.1 3.14 3.7 3.4 3.19 6.30op

Parama Credit Union 2.9 3.1 3.15 3.15 3.25 3.5

Steinbach Credit Union 2.5 2.5 2.6 2.8 2.9 3.1

Teachers Credit Union 4 4.45 3.05 3.15 2.79 3.89 3.19 6.30op 6.50op

NOTES: **INTEREST RATE CHARGED SUBJECT TO ADJUSTMENT DURING TERM MORTGAGE. PLEASE CONSULT INSTITUTION FOR TERM OF YEARS AVAILABLE. ALL RATES ARE

Prepared on Feb. 25, 2013 by FiscalAgents.com/mortgage/rates




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The O’Donnell’s Wish You a Happy St. Patty’s Day

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