resale home & condo hamilton - 02 mar., 2013

Mar. 02 - Mar. 16, 2013 Volume 13 Issue 04

Your Best Source for Homes & Condos

Hamilton-Halton-Haldimand-Brantford Edition

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

TOTALLY UPGRADED - DESIRABLE UP & COMING NEIBOURHOOD $229,000 Perfect 1.5 storey 3 bedroom home in the heart of the North End. Steps to Bay St, the waterfront, James St North Art District, proposed new GO Station. Upgraded with blown in insulation on all exterior walls by Great Northern Insulation, Custom kitchen w/ stainless steel appliances, granite countertop, Ceramic floor, pot lights, hardwood in living/dining rooms. Second floor offers 4 opening skylights, new bathrm w/ ceramics. Newer high eff furance and A/C. 2pc bath & coldroom in bsmt. Fully fenced large backyard. MLS# H3103502 G Shawn Maher, Sales Representative, Harry Stinson Realty Corp, Brokerage 905-966-4510

4312_KIMRI_8000

0513_KIMRI_0061

artists conception

FAST CLOSING POSSIBLE - ONLY $205,000 - Main St. W. townhouse with scenic views boasts 3+1 bedrooms, 1.5 bathrms, balcony & attached garage. Updated flooring, C/A, paved front drive. Close to McMaster, Dundas & easy Hwy 403 access. Call to view today! Marilyn O' Blenis, Sales Representative, RE/MAX ESCARPMENT Realty, Brokerage 905-573-1188. www.marilynoblenis.com

0913_KIMRI_0026

THE CORKTOWNS! $289,900 - New York Style, Upper West Side design in brick & stucco. Urban living next to Shamrock Park. Walkability advantages - close to GO Station, schools, shops, restaurants. Comfortable 3 storey townhouse features 3 bedrms, 3 baths, rear deck, library space, front prking, eat-in kitchen. mbedrm offers w/i closet & ensuite. Developed by Shawn Maher w/ design advice from George H Ross- Trump Organization. To view contact Shawn Maher @ 905-966-4510 and Cameron Nolan, Broker, Remax Escarpment Realty, Brokerage 905-525-2720. Visit www.corktowns.ca 0313_KIMRI_0063

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!

O ffi c e : 9 0 5 - 7 7 4 - 7 5 1 1 D i r e c t : 9 0 5 - 9 7 8 - 7 6 5 3E - m a i l : p a p i @ r oya l l e p a g e. c a

S A L E S R E P R E S E N T AT I V E

Niagara Real Estate CentreBrokerageI n d e p e n d e n t l y O w n e d & O p e r a t e d

DarrenPapineau*

No. 1 Office Producer 2006, 2007, 2009, 2010, 2011 & 2012

Looking to Sell, Build or Buy ?I’m Your Guy!

1126

0444

_091

3

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 SUNDAY MARCH 3RD 2-4

0913

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RI_1

_005

2

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 & heat-ed ceramic tile floor, mn flr lndry, huge det gar/shop w/cone floor & hydro, eat-in oak kitchen, updated windows, patio door and shin-gles. Beautiful setting with loads of parking. Great starter or for empty nesters. Call Darren Papineau to view. MLS H3103400.

NEW LI

STING

8169 HIGHWAY 3 W., DUNNVILLE $169,900

0913

_KIM

RI_0

037

NEW LI

STING

VICER

OY

Immaculate 4 bedrm brick bungalow, large country lot, stylish decor, 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.

27 ERIE ST. S., FISHERVILLE $229,900

OVER

HALF

SOLD

OUT

EMPIRE COUNTRY ESTATES, YORK, LOTS STARTING AT $109,900 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 bedrms, 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 in-clude furnace, c/air, mostly new windows, facia, soffit and eaves. Ideal for 1st time buyer. Call Darren Papineau. MLS #H3096555.

COUN

TRY

4426 HIGHWAY 3, CAYUGA. $159,90009

13_K

IMRI

_2_0

029

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, shingles 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

6.9 AC

DET. G

ARAG

E

Prestigious development 30 min south of Hamilton near Binbrook 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

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

NEW LI

STING

25 TALBOT ST. WEST, JARVIS $259,900

0913

_KIM

RI_0

035

Fully rented 2-2 bedroom units renting for $750 + $650 per month. Very well maintained property w/recent hi-eff furnace, sep hydro meters, styl-ish decor, hardwood floors, 4 separate entries, wrap around front porch, updated windows & ext doors, large 66 x 165’ treed lot w/2 sheds, con-crete patio, double paved drive. Great location - walk to shopping. Allow 24 hrs notice for viewing. Call Darren Papineau. MLS H3103652

NEW LI

STING:

DUPLE

X

194 - 196 RIDGE RD. N, RIDGEWAY $197,500

0913

_KIM

RI_0

036

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

195 TOWNLINE ROAD E, CAYUGA $319,900

0913_KIMRI_1_0058 0913_KIMRI_0038

0913

_KIM

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_001

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_007

909

13_K

IMRI

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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 0913_KIMRI_1_0005 0913_KIMRI_1_0006 0913_KIMRI_2_0007

700 FORKS RD WEST, WELLAND $399,900

6.9 AC

GREEN

HOUSES

OPPO

RTUNITY

3G

10403538_0913

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

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$209,900 Spacious home on mature lot west side of Dunnville. 2012 hi-eff furnace, also features gas FP on stone hearth, large oak kitchen w/built in appliances, 3+1 bedrooms, recroom + games room, onground pool, large private deck and more. Call Isaac Phillips 0913_KIMRI_0014

BRICK BUNGALOW!

$379,900 2008 custom one owner “Dehaan” built in lakefront subdivision on Lake Erie, includes part of ownership of beach & lakefront park area. Open concept main fl oor, 9’ ceilings, hardwood and ceramic fl oor, DR walkout to multi level deck, designer antique white kitchen cabinets w/island. Dunnville. Call Isaac Phillips 0913_KIMRI_0015

LAKEFRONT COMMUNITY!

$189,900 Upgraded 3 bedroom semi detached offers recent detached garage and two driveways, front paved drive pluas rear driveway off alley, oak raised panel kitchen features granite counters and sliding door to backyard deck plus interlock patio, hardwood fl oors, recent natural gas furnace & A/C, fenced backyard, appliances included, Dunnville. Call Isaac Phillips 0913_KIMRI_0016

GREAT VALUE!

$299,900 Lake Erie waterfront w/wide sandy beach on quiet road, many re-cent updates include bathroom, repl v. windows and ktichen. Features base-ment, front and back decks, pinewood fl oors, terrace doors, sunroom with panoramic lake views, Dunnville. Call Isaac Phillips 0913_KIMRI_0017

PRETTY AS A PICTURE!

$199,900 Dunnville, preferred neighbourhood, screened side porch plus side deck, vinyl repl windows, oak fl oor & oak cabinetry in kitchen, 3 bedrooms, appliances, single garage. Call Isaac Phillips 0913_KIMRI_0018

MATURE CORNER LOT!

$699,900 serene & private 1.24 ac on Lake Erie, captivating vistas & 150 ft of water front. Custom executive 4+1 bdrm home w/vaulted ceilings, fi n bsmt, 2 ensuites, gas fp, loads of updates. Dunnville! Call Isaac Phillips 0913_KIMRI_0019

SPRAWLING RANCH!

$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 0913_KIMRI_0020

LARGE MATURE LOT!

$299,900 Raised ranch 3 bedroom by “Silverthorne Homes”, just completed, open concept main fl oor, maple cabinets, covered deck overlooks back yard, oversize 2 car garage. Many custom features, high bright basement, quiet court location surrounded by trees, north of Dunnville, price includes HST rebate to builder. Call Isaac Phillips 0913_KIMRI_0021

NEW HOME!

$229,900 Amazing pure sand beach, dining room sliding doors lead to lakeside deck, recent propane wall furnace, solid concrete breakwall with steel reinforcing, South Ca-yuga. Call Isaac Phillips 0913_KIMRI_0022

SANDY BEACH!

$295,000 On Lake Erie at end of quiet street offers 90 feet frontage, winterzied 3+1 bedrooms, hardwood fl oors, large living room with loft overlook, recent boat ramp, 2006 concrete breakwall, and many other updates! Call Isaac Phillips 0913_KIMRI_0023

LAKEFRONT!

$449,900 Just south of Caistorville, secluded setting, 45 acres of crop land, 45 acres mature hardwood bush, large frontage on Brad-shaw Creek, (60’x30’) metal clad barn w/high ceiling, rolling fi elds & panoramic views. Call Isaac Phillips 0913_KIMRI_0024

91 ACRES!

$178,000 Two storey home offers 2 kitchens, 2 baths, hardwood & laminate fl oors, 2 driveways, 2 garages, plus outbuilding for hobby or storage. Located in town of adjacent to new housing develop-ment. Dunnville. Call Isaac Phillips 0913_KIMRI_0025

1.33 ACRES IN TOWN!

NEW P

RICE

4G

SRES Seniors Real Estate Specialist

“DYNAMO WITH A HEART”

2007

2005

2001 - 2012

1127

2454

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3

$199,000! Handsome brick cottage exudes charm, bright & airy 2 bdrm, 1.5 baths. Exquisite hardwood, newer windows, modern kitchen, separate dinrm, main � r fam rm. High unspoiled bsmt. Garage. Landscaping ($11,000). MLS #H3103603.

FRESH DYNAMO SIZZLER!

0913_KIMRI_0039

$252,000! Beautifully refurbished. 3+1 bedrooms, 2 baths. Impeccably kept blast from the past renewed from top to bottom. Ikea kitchen, 2 modern baths. Private inlaw setup. Gas f/air, furnace & c/air 2012. Huge recent deck & drive. MLS #H3103119.

DYNAMO HOT SIZZLER

0913_KIMRI_0040

$252,000! Just Listed! No condo fees. Loaded! 3 bedrooms, 3 baths, tucked in preferred enclave. Losani built 2007. Hardwood, oak staircase, gas FP, mstr ensuite, fully fenced & landscaped with deck & awning. MLS #H3102848

FABULOUS FREEHOLD

0913_KIMRI_0041

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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

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, � ooring, front/rear decks, rear fence, rear shed, furnace, water heater, propane � replace, paved driveway, electrial panel and more. Taxes in 2012 were only $1472.74. Just a short walk to a private beach.

0913_KIMRI_1_0066

$179,900

GREAT VALUE ON HAMILTON MOUNTAIN

Great 3+1 bedroom, 2 bath bungalow on a huge 40.17x192.20 ft lot. Many updates and upgrades over the years, including pot lighting throughout, maple hardwood � oors on main level, walnut laminate in lower level, crown mouldings, kitchen (cabinetry, backsplash, concrete countertops), 4 pc bath (fully reno’d in 2012-soaker tub, glass shower, porcelain tiles, travertine � oor tiles). Beautiful 3 pc bath in lower level with stand-up glass shower, additional bedroom in lower level with double closets, all vinyl clad windows, furnace and central air (approx. 4 years ago) - The list goes on and on. Great value in an excellent location.

0913_KIMRI_1_0065

$279,900

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 � 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.

0913_KIMRI_1_0023

0913_KIMRI_1_0023

$769,900

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 � oor plan with patio doors from dining room to private backyard. Lower level rec room. Includes fridge, stove, dishwasher, washer & dryer.

0913_KIMRI_1_0002

$234,900

Volume 13 Issue 04 Resale Home & Condo Guide - Hamilton & Halton Edition

Please say you saw it in Resale Home & Condo Guide

1

RHH_0913.indd 1 2/28/13 4:12:21 PM

10

MARCH 2 - MARCH 16, 2013

04. EDITOR’S NOTE

10. HOT TOPIC Clever tips to help you make tax time “less taxing”

14. TAX TIME New provincial tax changes to be aware of

22. INSIDER INFO Expert advice on waterproofing your home by Elisa Krovblit

INSIDE THIS ISSUE

26. MONEY MATTERS Are you financially fit or fiscally flabby? by Gail Vaz-Oxlade

28. HOUSING MARKET Housing starts will gain momentum by the end of 2013

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

2228

14

Hamilton/Halton/Haldimand/Brantford

HamiltonBurlingtonBrantfordDunnvilleJarvisAncasterPuslinchOakville

GrimsbyHagersvilleDelhiDundasStoney CreekParisSimcoeCayuga

WaterdownMiltonCaledoniaPort DoverFlamborough& surrounding areas

NEXT ADVERTISING DEADLINE

Tuesday March 5th, 2013

OAKVILLE

BRANTFORDHAMILTON

HALDIMAND-NORFOLK

BURLINGTON

WATERDOWN

HALTON

GRIMSBY

Coverage area:

ISSUE DATE: March 16th, 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 KrovblitSENIOR 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 04

RHH_0913.indd 2 2/28/13 4:12:23 PM

10

MARCH 2 - MARCH 16, 2013

04. EDITOR’S NOTE

10. HOT TOPIC Clever tips to help you make tax time “less taxing”

14. TAX TIME New provincial tax changes to be aware of

22. INSIDER INFO Expert advice on waterproofing your home by Elisa Krovblit

INSIDE THIS ISSUE

26. MONEY MATTERS Are you financially fit or fiscally flabby? by Gail Vaz-Oxlade

28. HOUSING MARKET Housing starts will gain momentum by the end of 2013

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

2228

14

Hamilton/Halton/Haldimand/Brantford

HamiltonBurlingtonBrantfordDunnvilleJarvisAncasterPuslinchOakville

GrimsbyHagersvilleDelhiDundasStoney CreekParisSimcoeCayuga

WaterdownMiltonCaledoniaPort DoverFlamborough& surrounding areas

NEXT ADVERTISING DEADLINE

Tuesday March 5th, 2013

OAKVILLE

BRANTFORDHAMILTON

HALDIMAND-NORFOLK

BURLINGTON

WATERDOWN

HALTON

GRIMSBY

Coverage area:

ISSUE DATE: March 16th, 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 KrovblitSENIOR 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.



3

RHH_0913.indd 3 2/28/13 4:12:25 PM

hether you’re relocating from one coast to the other or moving to your first place out of your parents’ home, changing homes can be hectic, exciting and certainly stressful. But, relax.

You can eliminate all of the anxiety associated with moving by taking control of the situation with confidence.

If you decide to move yourself, book a moving truck well in advance from a reliable company that can help you give you tips on moving as well as advice regarding the size of vehicle you will need.

If you decide to go with a pro, ask your friends and family to recommend a mover. Call at least three companies to ask about their services and then decide.

Professional movers can do everything for you if you wish, from packing and unpacking, to disconnecting appliances and electronics, but of course there’s extra cost involved.

Make sure you understand the terms of your agreement no matter what you decide, as well any other additional costs such as insurance and mileage costs so you can budget accordingly.

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

Follow me on Twitter at Twitter.com/SusanLegge

MADE EASYMoving

editor’snote

hile buying a home is an exciting time, it can also be quite stressful. Much of that comes from the thought of spending too much money and being “house poor.”

We are generally diligent in taking care of the larger and more obvious aspects of home financing. However, there are also several smaller costs involved that, when added together, can really lighten your wallet.

The Canada Mortgage and Housing Corp.’s website (cmhc.ca) has a long list of these expenses, but here are some important ones you’ll need to consider:

Whether you’ll be hiring a moving company, or renting a truck and asking friends for help, there are likely to be moving expenses.

Can renovations or repairs be delayed or are some necessary to do immediately?

Telephone, gas, electricity, cable TV, satellite TV, Internet, and so on, may charge service connection fees. Some utilities may ask you to pay a deposit.

Does your new home come with appliances or do you already have your own?

- Will you need to buy any of this during the first year in your new home?

Do blinds or curtains come with the house? Do you want to re-paint or apply wallpaper? Do the floors need

to be refinished or re-carpeted? Do you have all the tools you need for redecorating?Even the best-planned budget can take a bit of a beating when moving. So do your

research – and don’t forget to leave a little wiggle room so that if the unexpected rears its ugly head, you’ll be prepared.

Janine Druery EDITOR [email protected]

Small costs can really

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RHH_0913.indd 4 2/28/13 4:12:26 PM

hether you’re relocating from one coast to the other or moving to your first place out of your parents’ home, changing homes can be hectic, exciting and certainly stressful. But, relax.

You can eliminate all of the anxiety associated with moving by taking control of the situation with confidence.

If you decide to move yourself, book a moving truck well in advance from a reliable company that can help you give you tips on moving as well as advice regarding the size of vehicle you will need.

If you decide to go with a pro, ask your friends and family to recommend a mover. Call at least three companies to ask about their services and then decide.

Professional movers can do everything for you if you wish, from packing and unpacking, to disconnecting appliances and electronics, but of course there’s extra cost involved.

Make sure you understand the terms of your agreement no matter what you decide, as well any other additional costs such as insurance and mileage costs so you can budget accordingly.

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

Follow me on Twitter at Twitter.com/SusanLegge

MADE EASYMoving

editor’snote

hile buying a home is an exciting time, it can also be quite stressful. Much of that comes from the thought of spending too much money and being “house poor.”

We are generally diligent in taking care of the larger and more obvious aspects of home financing. However, there are also several smaller costs involved that, when added together, can really lighten your wallet.

The Canada Mortgage and Housing Corp.’s website (cmhc.ca) has a long list of these expenses, but here are some important ones you’ll need to consider:

Whether you’ll be hiring a moving company, or renting a truck and asking friends for help, there are likely to be moving expenses.

Can renovations or repairs be delayed or are some necessary to do immediately?

Telephone, gas, electricity, cable TV, satellite TV, Internet, and so on, may charge service connection fees. Some utilities may ask you to pay a deposit.

Does your new home come with appliances or do you already have your own?

- Will you need to buy any of this during the first year in your new home?

Do blinds or curtains come with the house? Do you want to re-paint or apply wallpaper? Do the floors need

to be refinished or re-carpeted? Do you have all the tools you need for redecorating?Even the best-planned budget can take a bit of a beating when moving. So do your

research – and don’t forget to leave a little wiggle room so that if the unexpected rears its ugly head, you’ll be prepared.

Janine Druery EDITOR [email protected]

Small costs can really

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RHH_0913.indd 5 2/28/13 4:12:27 PM

Liz KosterReal Estate Broker

Niagara Real EstateCentre Inc., BrokerageIndependently 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_0913

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!

0713_KIMRI_1_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!

0713_KIMRI_2_0049

$162,500

Semi-detached home with 4 bedrms, 1-1/2 bathrms, oak kitchen, full basement with gas fi replace, attached garage, and fenced back yard! In Dunnville close to amenities!

4 BEDRM HOME!

0713_KIMRI_1_0030

$195,000

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!

0713_KIMRI_0020

$144,900

$129,900

9489

143_

0913

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 garage 3+1 bedrooms, 2 bathrms Rec room on main floor and sunroom Hardwood floors plus many recent updates 15 Regency St.

$259,900

0513_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

0513_KIMRI_2_0069

EAST HAMILTON

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

$349,900

0513_KIMRI_1_0071

GRIMSBY

Only 2 years old, 3 bedroom, freehold, link townhome walk-out basement, master bedroom with the ensuite and walk-in closet.

$271,900

0513_KIMRI_0050

MOUNTAIN HOPE, GLANBROOK




RHH_0913.indd 6 2/28/13 4:12:30 PM

Liz KosterReal Estate Broker

Niagara Real EstateCentre Inc., BrokerageIndependently 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_0913

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!

0713_KIMRI_1_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!

0713_KIMRI_2_0049

$162,500

Semi-detached home with 4 bedrms, 1-1/2 bathrms, oak kitchen, full basement with gas fi replace, attached garage, and fenced back yard! In Dunnville close to amenities!

4 BEDRM HOME!

0713_KIMRI_1_0030

$195,000

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!

0713_KIMRI_0020

$144,900

$129,900

9489

143_

0913

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 garage 3+1 bedrooms, 2 bathrms Rec room on main floor and sunroom Hardwood floors plus many recent updates 15 Regency St.

$259,900

0513_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

0513_KIMRI_2_0069

EAST HAMILTON

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

$349,900

0513_KIMRI_1_0071

GRIMSBY

Only 2 years old, 3 bedroom, freehold, link townhome walk-out basement, master bedroom with the ensuite and walk-in closet.

$271,900

0513_KIMRI_0050

MOUNTAIN HOPE, GLANBROOK



7

RHH_0913.indd 7 2/28/13 4:12:33 PM

1286 Upper James St., Hamilton, L9C 3B4

9255

435_

0913

For All Your Real Estate Needs

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

Residential Commercial Investment

You read it right!! Needs work but liveable. Newer kitchen cupboards, 2 or 3 bedroom with side drive. Lot size 35 ft x 100 ft. 0913_KIMRI_0007

Please call TONY LACIVITA, Sales Representative, 905.388.5133.

East Mountain $142,900

Live the life at “The Core Lofts”. 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.

0913_KIMRI_0008

Call DEBORA AGRO, Sales Representative or GRACE BARROW, Sales Representative, 905.388-5133.

“The Core Lofts”

Well built 4 bedroom 2 storey! 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.

0913_KIMRI_0009

Overlooking the Escarpment!

0913_KIMRI_0012

Completely finished 4 level backsplit features ground floor walk-out, large family room with gas fireplace, pool table, French doors to rear yard, ceramics and gleaming hardwood. Beautiful on ground 5’ deep pool with walk-in stairs. Lower level offers rec room with kitchenette and large bedroom. Priced at $309,900. 0913_KIMRI_0010

Please call LINDA GERMAN, Sales Representative, 905.388.5133

Great Area!!

All appliances included! Clean 2 bedroom with updated kitchen, shingles, furnace, windows, doors and bathroom. 18’ tiles in hallway and kitchen. Immediate possession available. Priced at $124,900. 0913_KIMRI_0011

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

Great Starter Home!Please call KEN GIES, Broker or DAN GIES, Broker of Record, 905.388-5133

SERVICE THAT MOVES YOU

9189

912_

0913

ESCARPMENT REALTY INC. BrokerageIndependently Owned & Operated

FRANK RADMAN(905)545-1188

Sales Representative

Email: [email protected]

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

Well maintained spacious home in quiet neighbourhood next to Black Creek Conservation area. Functional layout w/ open concept family rm & newer eat-in kitchen. Cathedral ceilings in living & dining rms, lrg m/bedrm w/ ensuite & w/i closet, � nished rec rm, gorgeous hand scrapped hrdwd on main � r. Many recent costly updates: roof (10), hi-eff furn & A/C (09), shed & deck (11), additional attic insulation & much more.

CALEDONIA CUL-DE-SAC

0313_KIMRI_0055

3+2 B

EDRMS

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 offiers ensuite, large rec room in bsmnt. Exterior boasts detached garage, extensive decking and great view. Call today to view!!

COZY & CUTE IN DUNDAS

0313_KIMRI_1_0062

VIEW OF

ESCARPMEN

T

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

0313_KIMRI_1_0063

GLANBROOK

VIRTUALLY FREE

HEAT SOURCE

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 living rm w/FP, recent updates, glass panelled balcony, XL double garage & much more. A must see!

UNIQUE 6 LEVEL ARCHITECTURAL MARVEL

0313_KIMRI_1_0047

RIVER VIEWSCALEDONIA

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

0313_KIMRI_0054

6 BED

ROOMS

DETACHED

GARAGE

6 BATHRMS

FEATURE PROPERTY OF THE MONTH

2 STOREY




RHH_0913.indd 8 2/28/13 4:12:37 PM

1286 Upper James St., Hamilton, L9C 3B4

9255

435_

0913

For All Your Real Estate Needs

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

Residential Commercial Investment

You read it right!! Needs work but liveable. Newer kitchen cupboards, 2 or 3 bedroom with side drive. Lot size 35 ft x 100 ft. 0913_KIMRI_0007

Please call TONY LACIVITA, Sales Representative, 905.388.5133.

East Mountain $142,900

Live the life at “The Core Lofts”. 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.

0913_KIMRI_0008

Call DEBORA AGRO, Sales Representative or GRACE BARROW, Sales Representative, 905.388-5133.

“The Core Lofts”

Well built 4 bedroom 2 storey! 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.

0913_KIMRI_0009

Overlooking the Escarpment!

0913_KIMRI_0012

Completely finished 4 level backsplit features ground floor walk-out, large family room with gas fireplace, pool table, French doors to rear yard, ceramics and gleaming hardwood. Beautiful on ground 5’ deep pool with walk-in stairs. Lower level offers rec room with kitchenette and large bedroom. Priced at $309,900. 0913_KIMRI_0010

Please call LINDA GERMAN, Sales Representative, 905.388.5133

Great Area!!

All appliances included! Clean 2 bedroom with updated kitchen, shingles, furnace, windows, doors and bathroom. 18’ tiles in hallway and kitchen. Immediate possession available. Priced at $124,900. 0913_KIMRI_0011

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

Great Starter Home!Please call KEN GIES, Broker or DAN GIES, Broker of Record, 905.388-5133

SERVICE THAT MOVES YOU

9189

912_

0913

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!”

Well maintained spacious home in quiet neighbourhood next to Black Creek Conservation area. Functional layout w/ open concept family rm & newer eat-in kitchen. Cathedral ceilings in living & dining rms, lrg m/bedrm w/ ensuite & w/i closet, � nished rec rm, gorgeous hand scrapped hrdwd on main � r. Many recent costly updates: roof (10), hi-eff furn & A/C (09), shed & deck (11), additional attic insulation & much more.

CALEDONIA CUL-DE-SAC

0313_KIMRI_0055

3+2 B

EDRMS

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 offiers ensuite, large rec room in bsmnt. Exterior boasts detached garage, extensive decking and great view. Call today to view!!

COZY & CUTE IN DUNDAS

0313_KIMRI_1_0062

VIEW OF

ESCARPMEN

T

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

0313_KIMRI_1_0063

GLANBROOK

VIRTUALLY FREE

HEAT SOURCE

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 living rm w/FP, recent updates, glass panelled balcony, XL double garage & much more. A must see!

UNIQUE 6 LEVEL ARCHITECTURAL MARVEL

0313_KIMRI_1_0047

RIVER VIEWSCALEDONIA

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

0313_KIMRI_0054

6 BED

ROOMS

DETACHED

GARAGE

6 BATHRMS

FEATURE PROPERTY OF THE MONTH

2 STOREY



9

RHH_0913.indd 9 2/28/13 4:12:40 PM

Yield a big returnIn today’s economy it seems our tax returns can’t get here fast enough. Who doesn’t love a little extra cash in their pocket? Here are some small suggestions that will help yield big returns.

1. Pay down credit card debt. By decreasing your principal, your interest payments will also lower, leaving a little more breathing room at the end of each month.

2. Place money in a savings account. If you’ve been eyeing travel brochures or checking price drops on that 50-inch �at-screen television, putting a portion of your tax return into a savings account will help you reach your goal faster.

3. Make a donation. �e rising costs for everything from food to transportation around the world mean that non–pro�t organizations and charities working in developing countries are also feeling the pinch. “For example, it now costs more for our �eld workers to provide daily meals to children in school and to bring necessary medicine and vaccines to health clinics,” says Mark Lukowski, CEO, Christian Children’s Fund of Canada. “But most of all, it is stressful for the children and families who were already living in poverty and who now wonder how they can a�ord a bag of rice or their children’s school fees.” Give a gi� to help someone in need at ccfcanada.ca.

4. Service your car. Cars always need repairs at the most inconvenient times. Repairs can be very costly and be a large burden if funds are not ready available. Servicing your car with your tax return is a proactive way to avoid these irritating repairs. Not to say you will not run into trouble, but perhaps this tune-up will help to prevent unexpected costs later on.

5. Splurge. Use a portion of your tax return to reward yourself for all the hard work you have done all year long. Updating your wardrobe or purchasing a new toy will help you feel great and inspire you to behave until next year’s tax return.

While these tips may seem small and simple, each will yield large returns. Planning before spending will allow you to do the most with the money you receive. NC

TOP EXCUSES FOR PROCRASTINATING ON YOUR TAXES

It’s that time of year again: tax-�ling season. If your spouse, a friend or a tax professional is trying to get you to �le your taxes, H&R Block Canada has prepared a handy list of Top 10 Excuses which will be sure to get those pests o� your back.

1 I decided to �le my nails instead of my taxes.

2 I’m not coming out of my house until this “skinny jeans” thing passes.

3 Chuck Norris never had to �le taxes. Why should I?

4 I’m waiting for the Leafs to win the Cup.

5 I’m busy today. Gym. Tan. Work.6 I have triskaidekaphobia, fear of the

number 13.7 If I �le my taxes for 2012, it will draw

attention to the fact that I didn’t do them in 2011 or 2009.

8 I’m busy trying to keep up with the Kardashians.

9 I have two kids in university. I no longer have any income to declare.

10 I was about to �le my taxes but Kanye West interrupted me.

If you’re tired of procrastinating, Hamel suggests, “Whether you will be writing a cheque to the Receiver General or �ling for a refund, be sure to get the best outcome possible. If you do your taxes yourself, using tax so�ware products like those available at hrblock.ca will help make sure you get back all the money you deserve or pay the least amount of tax possible.”

PAY DOWN CREDIT CARD DEBT. BY DECREASING YOUR

PRINCIPAL, YOUR INTEREST PAYMENTS WILL ALSO LOWER,

LEAVING A LITTLE MORE BREATHING ROOM AT THE END OF EACH MONTH.

hottopic

There’s an old adage that there are two givens in life, death and taxes, and both are cause for stress. Few Canadians look forward to doing their annual tax �ling, but there are ways to take some of the

drudgery out of the season. Cleo Hamel, senior tax analyst at H&R Block Canada, suggests the following simple steps to make tax time less taxing:

Year-round planning Reducing your taxes owed takes a little bit of planning during the year. Maximize your return by taking advantage of key dates. For example, make your charitable donations before December 31 or, if you have a little bit of extra cash, consider making additional RRSP contributions during the �rst 60 days of the year to help reduce your tax payable.

Reduce your worries Several Canadians are fearful of �ling their own taxes and making mistakes on their annual return. Hamel suggests buying tax so�ware products that provide you a step–by–step guide to �ling your taxes so that you don’t miss any credits or deductions.

How to make tax time less taxing

Worried about being audited? Some tax packages like H&R Block At Home boxed so�ware o�er the peace of mind of free audit assistance. �at means you can access a tax professional to help manage correspondence with the Canada Revenue Agency (CRA), should you get an audit request a�er doing your taxes yourself.

Keep records in one place Organization is key to reducing stress at tax time. Keeping all your receipts (child care costs, RRSP contributions, charitable donations, public transit passes and receipts, medical expenses, etc.) in one place will make �ling that much easier. It also ensures that you take advantage of all the credits and deductions available to you.

ORGANIZATION IS KEY TO REDUCING STRESS AT TAX TIME. KEEPING ALL YOUR RECEIPTS (CHILD CARE COSTS, RRSP CONTRIBUTIONS, CHARITABLE DONATIONS, PUBLIC TRANSIT PASSES AND RECEIPTS, MEDICAL EXPENSES, ETC.) IN ONE PLACE WILL MAKE FILING THAT MUCH EASIER.




RHH_0913.indd 10 2/28/13 4:12:41 PM

Yield a big returnIn today’s economy it seems our tax returns can’t get here fast enough. Who doesn’t love a little extra cash in their pocket? Here are some small suggestions that will help yield big returns.

1. Pay down credit card debt. By decreasing your principal, your interest payments will also lower, leaving a little more breathing room at the end of each month.

2. Place money in a savings account. If you’ve been eyeing travel brochures or checking price drops on that 50-inch �at-screen television, putting a portion of your tax return into a savings account will help you reach your goal faster.

3. Make a donation. �e rising costs for everything from food to transportation around the world mean that non–pro�t organizations and charities working in developing countries are also feeling the pinch. “For example, it now costs more for our �eld workers to provide daily meals to children in school and to bring necessary medicine and vaccines to health clinics,” says Mark Lukowski, CEO, Christian Children’s Fund of Canada. “But most of all, it is stressful for the children and families who were already living in poverty and who now wonder how they can a�ord a bag of rice or their children’s school fees.” Give a gi� to help someone in need at ccfcanada.ca.

4. Service your car. Cars always need repairs at the most inconvenient times. Repairs can be very costly and be a large burden if funds are not ready available. Servicing your car with your tax return is a proactive way to avoid these irritating repairs. Not to say you will not run into trouble, but perhaps this tune-up will help to prevent unexpected costs later on.

5. Splurge. Use a portion of your tax return to reward yourself for all the hard work you have done all year long. Updating your wardrobe or purchasing a new toy will help you feel great and inspire you to behave until next year’s tax return.

While these tips may seem small and simple, each will yield large returns. Planning before spending will allow you to do the most with the money you receive. NC

TOP EXCUSES FOR PROCRASTINATING ON YOUR TAXES

It’s that time of year again: tax-�ling season. If your spouse, a friend or a tax professional is trying to get you to �le your taxes, H&R Block Canada has prepared a handy list of Top 10 Excuses which will be sure to get those pests o� your back.

1 I decided to �le my nails instead of my taxes.

2 I’m not coming out of my house until this “skinny jeans” thing passes.

3 Chuck Norris never had to �le taxes. Why should I?

4 I’m waiting for the Leafs to win the Cup.

5 I’m busy today. Gym. Tan. Work.6 I have triskaidekaphobia, fear of the

number 13.7 If I �le my taxes for 2012, it will draw

attention to the fact that I didn’t do them in 2011 or 2009.

8 I’m busy trying to keep up with the Kardashians.

9 I have two kids in university. I no longer have any income to declare.

10 I was about to �le my taxes but Kanye West interrupted me.

If you’re tired of procrastinating, Hamel suggests, “Whether you will be writing a cheque to the Receiver General or �ling for a refund, be sure to get the best outcome possible. If you do your taxes yourself, using tax so�ware products like those available at hrblock.ca will help make sure you get back all the money you deserve or pay the least amount of tax possible.”

PAY DOWN CREDIT CARD DEBT. BY DECREASING YOUR

PRINCIPAL, YOUR INTEREST PAYMENTS WILL ALSO LOWER,

LEAVING A LITTLE MORE BREATHING ROOM AT THE END OF EACH MONTH.

hottopic

There’s an old adage that there are two givens in life, death and taxes, and both are cause for stress. Few Canadians look forward to doing their annual tax �ling, but there are ways to take some of the

drudgery out of the season. Cleo Hamel, senior tax analyst at H&R Block Canada, suggests the following simple steps to make tax time less taxing:

Year-round planning Reducing your taxes owed takes a little bit of planning during the year. Maximize your return by taking advantage of key dates. For example, make your charitable donations before December 31 or, if you have a little bit of extra cash, consider making additional RRSP contributions during the �rst 60 days of the year to help reduce your tax payable.

Reduce your worries Several Canadians are fearful of �ling their own taxes and making mistakes on their annual return. Hamel suggests buying tax so�ware products that provide you a step–by–step guide to �ling your taxes so that you don’t miss any credits or deductions.

How to make tax time less taxing

Worried about being audited? Some tax packages like H&R Block At Home boxed so�ware o�er the peace of mind of free audit assistance. �at means you can access a tax professional to help manage correspondence with the Canada Revenue Agency (CRA), should you get an audit request a�er doing your taxes yourself.

Keep records in one place Organization is key to reducing stress at tax time. Keeping all your receipts (child care costs, RRSP contributions, charitable donations, public transit passes and receipts, medical expenses, etc.) in one place will make �ling that much easier. It also ensures that you take advantage of all the credits and deductions available to you.

ORGANIZATION IS KEY TO REDUCING STRESS AT TAX TIME. KEEPING ALL YOUR RECEIPTS (CHILD CARE COSTS, RRSP CONTRIBUTIONS, CHARITABLE DONATIONS, PUBLIC TRANSIT PASSES AND RECEIPTS, MEDICAL EXPENSES, ETC.) IN ONE PLACE WILL MAKE FILING THAT MUCH EASIER.



11

RHH_0913.indd 11 2/28/13 4:12:41 PM

905-388-1110

www.1110 .ca

Rob McDowel lBroker

Pau l McDowel lSales Representa t ive

8547409_0913

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

0913_KIMRI_1_0044

NEW LISTING! 1st time Buyers or Investors must see! Less money than renting. 2+1 bedrooms. Great mountain area near schools, parks, daycares, shops, Tims, buses. Call Paul today! MLS H3100298

LESS MONEY THAN RENTING!

0913_KIMRI_1_0047

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!

0913_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 $280,000. Call Paul or Rob. MLS H3101492

JUST WHAT THE DOCTOR ORDERED!

0913_KIMRI_1_0053

Beautiful Albion Estates. Summer is coming - time to enjoy the inground pool, the hot tub or all the escarpment trails down the street. This beauty is finished top to bottom. Asking $364,900. Call Paul or Rob.

NEW LISTING

0913_KIMRI_1_0011

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

0913_KIMRI_0013

30% SOLD FIRM OR

CONDITIONAL

SOLD

SOLD

Brokerage

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

ww

w.s

carl

etth

omes

.com

HOMELIFE RESULTS REALTY INC.

9189

931_

0913

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 laun-dry room, eat- in kitchen, master ensuite, priced for fast sale. No disap-pointment. Shows 10+++ ... BOZENA RADENKOVIC* 905-318-3800.

$469,9

00

0913_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 KRE-SINA* 905-318-3800

$3

99

,80

0

0913_KIMRI_0032

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

stairs, hardwood in separate dining/upper hall, potlights, 4 bed-rooms, 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

0913_KIMRI_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 0913_KIMRI_1_0059

167 CHAMBERS DRIVE-ANCASTER

$3

84

,90

0

0913_KIMRI_1_0007

200 CHARTWELL CIRCLE- HAMILTON LOT 26...To be built by Scarlett Homes, Hun-tington 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.

0913_KIMRI_1_0079

208 CHARTWELL CIRCLE - HAMILTON

LOT 29...To be built by Scarlett Homes, new site on Hamilton Moun-tain, 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.

$3

99,9

00

0913_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

$4

12

,90

0

0913_KIMRI_2_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 0913_KIMRI_1_0015

36 CHARTWELL CIRCLE-HAMILTON

LOT 28...To be built by Scarlett Homes, the Parkside model, aprpox 2514 sq. ft., 4 beds, 2.5 baths located on Central Hamilton Mountain, loaded with upgrades, 9 ft main

fl oor ceilings, maple kitchen cabinets w/granite countertops, oak staircase, double garage, separate dining room, main fl oor family room w/fp, master bedroom w/walk in closet & ensuite, main fl oor laundry room, much more...BOZENA RADENKOVIC* 905-318-3800 OR VISIT SITE MODEL @ 819 RYMAL ROAD E./MON-THURS 1-6PM/CLOSED FRIDAYS/SAT-SUN 1-5PM

$3

98

,90

0

0913_KIMRI_1_0014

216 CHARTWELL CIRCLE - HAMILTON 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 CLOVERLEAF ANCASTER/MON-THURS 1-6PM/CLOSED FRIDAYS/SAT-SUN 1-5PM 0913_KIMRI_2_0015


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

0913_KIMRI_0031

318 CRERAR DRIVE - HAMILTON

$298,8

00

0913_KIMRI_1_0062

LOT 1... Built by Scarlett Homes, available now! Central Mountain, the Parkwood Model is approx 2523 sq ft, 4 bedroom, 2.5 baths, separate dining room, bedroom level

laundry, master ensuite, main fl oor family with gas fi replace, loaded with upgrades, 9 ft main fl oor ceilings, maple kitchen cabinets with granite countertops, oak stairs... much more.... BOZENA RADENKOVIC* 905-318-3800 OR VISIT SITE MODEL @ 819 RYMAL ROAD E./MON-THURS 1-6PM/CLOSED FRIDAYS/SAT-SUN 1-5PM.

$4

39

,90


**Broker of Record *Sales Representative

$4

07

,90

0

0913_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 stain-less steel undermount sink,

pantry, 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

19

,90

0$

53

3,0

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 list-ing 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. 0913_KIMRI_1_0031

693 CEDAR AVENUE - BURLINGTON

$1,4

65,0

00

$3

94

,90

0

$3

94

,90

0

AVAILABLE IMMEDIATELY




RHH_0913.indd 12 2/28/13 4:12:43 PM

905-388-1110

www.1110 .ca

Rob McDowel lBroker

Pau l McDowel lSales Representa t ive

8547409_0913

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

0913_KIMRI_1_0044

NEW LISTING! 1st time Buyers or Investors must see! Less money than renting. 2+1 bedrooms. Great mountain area near schools, parks, daycares, shops, Tims, buses. Call Paul today! MLS H3100298

LESS MONEY THAN RENTING!

0913_KIMRI_1_0047

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!

0913_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 $280,000. Call Paul or Rob. MLS H3101492

JUST WHAT THE DOCTOR ORDERED!

0913_KIMRI_1_0053

Beautiful Albion Estates. Summer is coming - time to enjoy the inground pool, the hot tub or all the escarpment trails down the street. This beauty is finished top to bottom. Asking $364,900. Call Paul or Rob.

NEW LISTING

0913_KIMRI_1_0011

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

0913_KIMRI_0013

30% SOLD FIRM OR

CONDITIONAL

SOLD

SOLD

Brokerage

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

ww

w.s

carl

etth

omes

.com

HOMELIFE RESULTS REALTY INC.

9189

931_

0913

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 laun-dry room, eat- in kitchen, master ensuite, priced for fast sale. No disap-pointment. Shows 10+++ ... BOZENA RADENKOVIC* 905-318-3800.

$469,9

00

0913_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 KRE-SINA* 905-318-3800

$3

99

,80

0

0913_KIMRI_0032

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

stairs, hardwood in separate dining/upper hall, potlights, 4 bed-rooms, 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

0913_KIMRI_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 0913_KIMRI_1_0059

167 CHAMBERS DRIVE-ANCASTER

$3

84

,90

0

0913_KIMRI_1_0007

200 CHARTWELL CIRCLE- HAMILTON LOT 26...To be built by Scarlett Homes, Hun-tington 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.

0913_KIMRI_1_0079


LOT 29...To be built by Scarlett Homes, new site on Hamilton Moun-tain, 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.

$3

99,9

00

0913_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

$4

12

,90

0

0913_KIMRI_2_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 0913_KIMRI_1_0015

36 CHARTWELL CIRCLE-HAMILTON

LOT 28...To be built by Scarlett Homes, the Parkside model, aprpox 2514 sq. ft., 4 beds, 2.5 baths located on Central Hamilton Mountain, loaded with upgrades, 9 ft main

fl oor ceilings, maple kitchen cabinets w/granite countertops, oak staircase, double garage, separate dining room, main fl oor family room w/fp, master bedroom w/walk in closet & ensuite, main fl oor laundry room, much more...BOZENA RADENKOVIC* 905-318-3800 OR VISIT SITE MODEL @ 819 RYMAL ROAD E./MON-THURS 1-6PM/CLOSED FRIDAYS/SAT-SUN 1-5PM

$3

98

,90

0

0913_KIMRI_1_0014

216 CHARTWELL CIRCLE - HAMILTON 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 CLOVERLEAF ANCASTER/MON-THURS 1-6PM/CLOSED FRIDAYS/SAT-SUN 1-5PM 0913_KIMRI_2_0015


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

0913_KIMRI_0031

318 CRERAR DRIVE - HAMILTON

$298,8

00

0913_KIMRI_1_0062

LOT 1... Built by Scarlett Homes, available now! Central Mountain, the Parkwood Model is approx 2523 sq ft, 4 bedroom, 2.5 baths, separate dining room, bedroom level

laundry, master ensuite, main fl oor family with gas fi replace, loaded with upgrades, 9 ft main fl oor ceilings, maple kitchen cabinets with granite countertops, oak stairs... much more.... BOZENA RADENKOVIC* 905-318-3800 OR VISIT SITE MODEL @ 819 RYMAL ROAD E./MON-THURS 1-6PM/CLOSED FRIDAYS/SAT-SUN 1-5PM.

$4

39

,90

0


**Broker of Record *Sales Representative

$4

07

,90

0

0913_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 stain-less steel undermount sink,

pantry, 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

19

,90

0$

53

3,0

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 list-ing 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. 0913_KIMRI_1_0031

693 CEDAR AVENUE - BURLINGTON

$1,4

65,0

00

$3

94

,90

0

$3

94

,90

0

AVAILABLE IMMEDIATELY



13

RHH_0913.indd 13 2/28/13 4:12:43 PM

taxtime

The Certi�ed General Accountants of Ontario advise of a number of provincial tax changes for �lers this year:

INCREASED THRESHOLD FOR ALL INCOME TAX BRACKETS› Taxable income thresholds in all three Ontario provincial tax brackets were increased by 3.3 per cent in 2012, re�ecting changes to Canada’s consumer price index (CPI) in Ontario. All indexed non-refundable tax credits also increased by 3.3 per cent.

NEW HIGH INCOME TAX BRACKET› �e Ontario government has introduced a new tax bracket. Beginning in 2012, individuals will be taxed at a rate of 12.16 per cent on that portion of their income in excess of $500,000 annually. �at will increase to 13.16 per cent in 2013.

Be aware of new provincial tax changes

› �is is supposed to be a temporary tax bracket until Ontario’s de�cit has been eliminated in several years.

ONTARIO TRILLIUM BENEFIT› E�ective July 2012, the Ontario Trillium Bene�t combines payments from the Ontario sales tax credit, Ontario energy and property tax credit, and Northern Ontario energy credit. Further details are available on page 117 in the chapter on Ontario Provincial Tax.

HEALTHY HOMES RENOVATION TAX CREDIT› In 2012, Ontario introduced a refundable Healthy Homes Renovation Tax Credit, which is designed to assist senior citizens with the cost of permanent home modi�cations required to improve accessibility or assist with mobility to and within their home.› �is credit is calculated as 15 per cent on up to $10,000, or $1,500, to cover eligible annual expenses (wheelchair ramps, widening passage doors, hand rails in corridors), among other qualifying expenditures.› Couples who are living together may only claim up to $10,000 in qualifying expenses in total. Family members who live with an elderly relative may claim this expense on behalf of the household. Couples who live separately because of medical or other reasons may each claim up to $10,000.› For the 2012 tax year, eligible expenses will qualify for this credit if they were incurred between October 1, 2011 and December 31, 2012. In future years, expenses can only be incurred within the corresponding calendar year

Additional information regarding federal and provincial tax changes is available online at cga.ontario.org. NC

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. 2 combination stone fi replaces. Large porch and a huge deck 55’ balcony/deck. Walk-out for the lowerl level! Double garage and workshop with full basement under garage, storage for the Handy-Man! Priced at only $569,000. Don’t delay call today!!!

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

JUST WEST OF ANCASTER!!!

0913_KIMRI_2_0044

“Discover the Difference”www.gabrielriverso.com

Escarpment Realty Inc., BrokerageIndependently Owned & Operated

11268797_0913

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!!!

0913_KIMRI_3_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]

PRIME WEST MOUNTAIN LOCATION!!!

0913_KIMRI_0034

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

WALK TO EASTGATE MALL!!!

0913_KIMRI_2_0043

0913_KIMRI_2_0045




RHH_0913.indd 14 2/28/13 4:12:45 PM

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. 2 combination stone fi replaces. Large porch and a huge deck 55’ balcony/deck. Walk-out for the lowerl level! Double garage and workshop with full basement under garage, storage for the Handy-Man! Priced at only $569,000. Don’t delay call today!!!

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

JUST WEST OF ANCASTER!!!

0913_KIMRI_2_0044

“Discover the Difference”www.gabrielriverso.com

Escarpment Realty Inc., BrokerageIndependently Owned & Operated

11268797_0913



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!!!

0913_KIMRI_3_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]

PRIME WEST MOUNTAIN LOCATION!!!

0913_KIMRI_0034

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

WALK TO EASTGATE MALL!!!

0913_KIMRI_2_0043

0913_KIMRI_2_0045



15

RHH_0913.indd 15 2/28/13 4:12:46 PM

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

_091

3

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.

0913_KIMRI_0043

INCREDIBLE LAKE FRONT PORT DOVER

0913_KIMRI_0058

Perfect starter home located in a desirable Caledonia neighbourhood. This spotless 3 bedroom home features and 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.

0913_KIMRI_0044NEW LISTING CALEDONIA $289,900

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.

0913_KIMRI_0045NEW 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.

0913_KIMRI_0046INVESTMENT 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.

0913_KIMRI_0047EDWARDS CUSTOM HOMES, JARVIS $299,900

Enjoy the convenience of condo living. This spacious unit feaures 3 bedrooms, 2.5 bathrooms, finished basement, main floor family room and a garage. Southern location offers private patio overlooking green space. Just minutes walk along the scenic Grand River to downtown.

0913_KIMRI_0048CONDO CALEDONIA $174,900

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.

0913_KIMRI_3_0049ONEIDA RESIDENTIAL & COMMERCIAL $359,900



(905) 575-5478



VANDENDOOLPeter


1127

1124

_091

3

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.

0913_KIMRI_00504+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. 0913_KIMRI_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.

0913_KIMRI_0052LUXURY 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.

0913_KIMRI_0053END UNIT PORT DOVER $247,468

Similar to be built. The Bradbury model offers 2726 sq. ft. of luxury living space. Features a huge gourmet kitchen, 17” ceilings, tall windows, luxurious 5 piece ensuite with corner tub and walk-in shower, granite counter tops, hardwood flooring, wrought iron railings, C/A, F/P and more.

0913_KIMRI_0054TO BE BUILT $366,990, PORT DOVER

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.

0913_KIMRI_0055PRIME 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.

0913_KIMRI_0056SIMILAR 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.

0913_KIMRI_0057TO BE BUILT PORT DOVER $303,990




RHH_0913.indd 16 2/28/13 4:12:47 PM



(905) 575-5478



VANDENDOOLPeter


1127

0380

_091

3

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.

0913_KIMRI_0043

INCREDIBLE LAKE FRONT PORT DOVER

0913_KIMRI_0058

Perfect starter home located in a desirable Caledonia neighbourhood. This spotless 3 bedroom home features and 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.

0913_KIMRI_0044NEW LISTING CALEDONIA $289,900

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.

0913_KIMRI_0045NEW 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.

0913_KIMRI_0046INVESTMENT 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.

0913_KIMRI_0047EDWARDS CUSTOM HOMES, JARVIS $299,900

Enjoy the convenience of condo living. This spacious unit feaures 3 bedrooms, 2.5 bathrooms, finished basement, main floor family room and a garage. Southern location offers private patio overlooking green space. Just minutes walk along the scenic Grand River to downtown.

0913_KIMRI_0048CONDO CALEDONIA $174,900

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.

0913_KIMRI_3_0049ONEIDA RESIDENTIAL & COMMERCIAL $359,900



(905) 575-5478



VANDENDOOLPeter


1127

1124

_091

3

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.

0913_KIMRI_00504+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. 0913_KIMRI_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.

0913_KIMRI_0052LUXURY 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.

0913_KIMRI_0053END UNIT PORT DOVER $247,468

Similar to be built. The Bradbury model offers 2726 sq. ft. of luxury living space. Features a huge gourmet kitchen, 17” ceilings, tall windows, luxurious 5 piece ensuite with corner tub and walk-in shower, granite counter tops, hardwood flooring, wrought iron railings, C/A, F/P and more.

0913_KIMRI_0054TO BE BUILT $366,990, PORT DOVER

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.

0913_KIMRI_0055PRIME 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.

0913_KIMRI_0056SIMILAR 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.

0913_KIMRI_0057TO BE BUILT PORT DOVER $303,990



17

RHH_0913.indd 17 2/28/13 4:12:48 PM

9189934_0913

Westdale 905.522.3300Ancaster 905.648.6800Locke St. 905.529.3300

* Denotes Sales Representative **Denotes Broker

Call Larry Bomford* at 905.529.3300 or email [email protected]

Great Ancaster location, south of the Hamilton Golf & Country Club, just east of Fiddlers Green Rd. 3+1 bdrms, 2 baths in this 4 level side split. Large lot w/mature trees. Original hardwood + impressive stone fireplace.

LARGE PRINCIPAL ROOMS

0913_KIMRI_0001

$367

,900

Call Maureen Dermody* at 905.648.6800 or email [email protected]

1st floor. Bright 1 bedroom co-op apartment in well-maintained security operated building. Low monthly fees incl. taxes, cable, water, heat. laundry, ext. maintenance, parking.

HAMILTON CO-OP

0913_KIMRI_0002

$56,

900

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

Lease this 3 bedroom bungalow - totally renovated kitchen with new appliances. Large sun-lit rooms, hardwood floors, ceramics, wood burning fireplace. Close to hwys, public trans, schools & shopping. Huge yard.

GREAT ANCASTER COURT LOCATION!

0913_KIMRI_0003

$170

0/

MONTH

Call Steve Roblin* at 905.522.3300 or email [email protected]

Rare opportunity to own this extremely well-built home in one of Dundas’ most sought-after neighbourhoods. Much larger than it looks this custom built bungalow features 3 lrg bdrms, 3 bths & oversized liv/room complete w/wood burning fire place. The spacious eat-in kitchen leads to a well-maintained sprawling park-like backyard.

PRIME DUNDAS LOCATION

0913_KIMRI_0004

$499

,900


Immaculate 3 bedroom brick bungalow in very sought-after location. Minutes to the QEW and a short stroll to the lake this meticulously maintained home offers many recent updates including: gorgeous Florida room addition with spectacular cedar cathedral ceiling, beautifullyl refinished hardwoods throughout. Don’t delay!

WELL-KEPT GRIMSBY GEM!

0913_KIMRI_0005

$314

,900

Call Julie Valevicius* at 905.648.6800 or email [email protected]

Don’t miss out on this opportunity to own a home literally steps from McMaster University and Hospital. This family friendly home offers three plus one bedrooms, two baths, sunroom & large fenced yard! Side drive and garage, newer windows and roof, central vac, high efficiency furnace and central air, some hardwood under carpeting, ceramics, eat-in kitchen and so much more!

STEPS TO MAC

0913_KIMRI_0006

$369

,000




RHH_0913.indd 18 2/28/13 4:12:49 PM

9189934_0913

Westdale 905.522.3300Ancaster 905.648.6800Locke St. 905.529.3300

* Denotes Sales Representative **Denotes Broker

Call Larry Bomford* at 905.529.3300 or email [email protected]

Great Ancaster location, south of the Hamilton Golf & Country Club, just east of Fiddlers Green Rd. 3+1 bdrms, 2 baths in this 4 level side split. Large lot w/mature trees. Original hardwood + impressive stone fireplace.

LARGE PRINCIPAL ROOMS

0913_KIMRI_0001

$367

,900

Call Maureen Dermody* at 905.648.6800 or email [email protected]

1st floor. Bright 1 bedroom co-op apartment in well-maintained security operated building. Low monthly fees incl. taxes, cable, water, heat. laundry, ext. maintenance, parking.

HAMILTON CO-OP

0913_KIMRI_0002

$56,

900

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

Lease this 3 bedroom bungalow - totally renovated kitchen with new appliances. Large sun-lit rooms, hardwood floors, ceramics, wood burning fireplace. Close to hwys, public trans, schools & shopping. Huge yard.

GREAT ANCASTER COURT LOCATION!

0913_KIMRI_0003

$170

0/

MONTH


Rare opportunity to own this extremely well-built home in one of Dundas’ most sought-after neighbourhoods. Much larger than it looks this custom built bungalow features 3 lrg bdrms, 3 bths & oversized liv/room complete w/wood burning fire place. The spacious eat-in kitchen leads to a well-maintained sprawling park-like backyard.

PRIME DUNDAS LOCATION

0913_KIMRI_0004

$499

,900


Immaculate 3 bedroom brick bungalow in very sought-after location. Minutes to the QEW and a short stroll to the lake this meticulously maintained home offers many recent updates including: gorgeous Florida room addition with spectacular cedar cathedral ceiling, beautifullyl refinished hardwoods throughout. Don’t delay!

WELL-KEPT GRIMSBY GEM!

0913_KIMRI_0005

$314

,900

Call Julie Valevicius* at 905.648.6800 or email [email protected]

Don’t miss out on this opportunity to own a home literally steps from McMaster University and Hospital. This family friendly home offers three plus one bedrooms, two baths, sunroom & large fenced yard! Side drive and garage, newer windows and roof, central vac, high efficiency furnace and central air, some hardwood under carpeting, ceramics, eat-in kitchen and so much more!

STEPS TO MAC

0913_KIMRI_0006

$369

,000



19

SRES Seniors Real Estate Specialist

“DYNAMO WITH A HEART”

2007

2005

2001 - 2012

1127

2418

_091

3

$199,000! Handsome brick cottage exudes charm, bright & airy 2 bdrm, 1.5 baths. Exquisite hardwood, newer windows, modern kitchen, separate dinrm, main � r fam rm. High unspoiled bsmt. Garage. Landscaping ($11,000). MLS #H3103603.

FRESH DYNAMO SIZZLER!

0913_KIMRI_0039

$252,000! Beautifully refurbished. 3+1 bedrooms, 2 baths. Impeccably kept blast from the past renewed from top to bottom. Ikea kitchen, 2 modern baths. Private inlaw setup. Gas f/air, furnace & c/air 2012. Huge recent deck & drive. MLS #H3103119.

DYNAMO HOT SIZZLER

0913_KIMRI_0040

$252,000! Just Listed! No condo fees. Loaded! 3 bedrooms, 3 baths, tucked in preferred enclave. Losani built 2007. Hardwood, oak staircase, gas FP, mstr ensuite, fully fenced & landscaped with deck & awning. MLS #H3102848

FABULOUS FREEHOLD

0913_KIMRI_0041

DYNAMOSOLD IN

3 DAYS

RARE FIND BINBROOK

11270316_0913

RHH_0913.indd 19 2/28/13 4:12:51 PM

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





RHH_0913.indd 20 2/28/13 4:12:52 PM
















0512_KIMRI_8000

1312_KIMRI_0203















Artist concept









0512_KIMRI_8000

1512_KIMRI_0069



Artist concept



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21

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

11271827_0913

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or by appt.*Prices quoted are for Hamilton Area


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1126

7152

_091

3

RHH_0913.indd 21 2/28/13 4:12:53 PM

having someone check the foundation and basement for dampness during a home inspection, and highly recommends having it checked before beginning any basement renovations. Sometimes you can feel the dampness, sometimes you can see moisture or wetness in areas. �ose are bad signs. Ksiazek prefers a more scienti�c approach. Using an infrared camera and a moisture meter, leaks and dampness can be located. A free and easy inspection can save the expense of renovating the basement twice, or let a homebuyer make an informed decision about purchasing a potentially costly issue.

Ksiazek also suggests basement renovations be done with water-resistant materials. Greenboard and Bluewood can handle moisture, and can be used instead of regular lumber and drywall with little added expense.

Most people are simply afraid to address the problem because of price. Surprisingly, it’s not as expensive as you might fear, especially if you can localize the problem. It’s certainly less expensive than renovating twice. Repairing the foundation generally needs to be done from the outside of the home. Once the issue is localized, a trench is excavated alongside your home to expose the a�ected areas of your foundation. �e amount of space available beside your home will determine whether the trench is machine excavated or dug by hand. �e wall is then scraped and cleaned, a�er which, any holes and cracks are �lled with hydraulic cement.

A�er repairing the foundation a liquid waterproo�ng membrane, actually a rubberized asphalt membrane, is applied to the foundation. �ere are many di�erent products that can be used for the process says Ksiazek, explaining that they vary in quality – and are priced accordingly. He strongly advises not cutting corners on this product since its cost is minimal compared to the labour involved in the entire process. Insist on a quality product. �is product can keep the home from having future issues. Once the membrane cures – it takes up to 24 hours – a second membrane is applied in the form of boards that keep water and water vapour away from the foundation wall. It’s a third layer of insurance that your waterproo�ng won’t fail.

�e �nal step before �lling the trench is to lay weeping tile at the foot of the foundation. A four-inch perforated pipe, it essentially helps water drain into the ground instead of towards your foundation..

�e waterproo�ng process is extremely labour-intensive, with material costs a less signi�cant factor in the price. Ksiazek recommends that, when sourcing a water-proo�ng company, don’t just go with the bid, ask and research the materials they’re going to use. “It’s not cost, it’s value,” he explains. Investigate the options and go for upgraded materials. Also discuss a time frame. A very low bid or a company that quotes a one-day job should send up a red �ag. Because of the time it takes for the products to cure alone, the ground cannot be �lled less than 24 hours a�er a liquid membrane application, otherwise it will never harden. Ksiazek has been called in to redo waterproo�ng and found jobs where the membrane is still tacky, years later, because it wasn’t given enough time to cure and solidify. He realizes that most homeowners aren’t aware of the process and that waterproo�ng is an area where a poor job won’t be noticed for quite some time. It’s not a regulated industry and it’s not a do-it-yourself project. “�is is also not something that you want to pay to do twice,” he explains, though he’s unfortunately seen too many homeowners have to do just that.

�e bottom line is, just check. Have the foundation inspected, be suspicious any time you �nd water where it shouldn’t be. It’s key to enjoying a nice, dry and healthy basement addition.

Mould carries a host of health concerns, from allergy symptoms and headaches to respiratory illness and more serious issues

Ksiazek strongly recommends having someone check the foundation and basement for dampness during a home inspection, and highly recommends having it checked before beginning any basement renovations

B Y E L I S A K R O V B L I T

insiderinfo

The basement is damp, just not quite right. Is it a problem? �e answer is ‘yes’. �ere is a problem with your foundation, it’s letting water into your home and it needs to be �xed. Professional

waterproofer Stephen Ksiazek is principal of �e Waterproofer (thewaterproofer.ca). While it might seem obvious that dry is good, wet is bad, it’s astounding what Ksiazek has found, repeatedly, during his 30+ year career. Water doesn’t belong inside your home. It’s not a matter of destroying the foundation, Ksiazek explains, the concern is the damage that it does once water gets inside. In past eras, when homes were originally built, basements were un�nished and unused. �ey contained no organic material like drywall or �ooring.

when it’s time towaterproof

“If your basement is empty concrete it doesn’t really matter,” says Ksiazek.

“But now we want to use every square foot of the house,” explains Ksiazek. Finished basements are common, but this creates conditions not conducive to a wet basement. Carpeting, drywall, furniture and décor, when mixed with water, is a perfect environment for mould to grow. Once mould starts to grow, contamination can spread quite quickly. Mould carries a host of health concerns, from allergy symptoms and headaches to respiratory illness and more serious issues.

“A�er spending $40-, $50- $60,000 on a basement reno, nobody thinks to waterproof. It happens a lot,” says Ksiazek. “Nobody thinks to waterproof �rst.” And it’s not just occasionally – he sees it all the time, quite regularly in homes that have been �ipped. Not wanting to detract from the overall pro�t with an expensive job that won’t add to the sale price, instead of waterproo�ng, a fresh coat of paint and new drywall can conceal dampness long enough for an unaware homebuyer to purchase the problem. He feels that there’s also an issue that a contractor hired to �nish the basement doesn’t want to add another job that may take away from their budget, even though they may be looking at a home whose age and style warrant having the job done. Other times Ksiazek believes that it’s purely an oversight. “�e vast majority of homeowners don’t understand what their foundation does, other than hold up their house.”

Ksiazek strongly recommends




RHH_0913.indd 22 2/28/13 4:12:54 PM

having someone check the foundation and basement for dampness during a home inspection, and highly recommends having it checked before beginning any basement renovations. Sometimes you can feel the dampness, sometimes you can see moisture or wetness in areas. �ose are bad signs. Ksiazek prefers a more scienti�c approach. Using an infrared camera and a moisture meter, leaks and dampness can be located. A free and easy inspection can save the expense of renovating the basement twice, or let a homebuyer make an informed decision about purchasing a potentially costly issue.

Ksiazek also suggests basement renovations be done with water-resistant materials. Greenboard and Bluewood can handle moisture, and can be used instead of regular lumber and drywall with little added expense.

Most people are simply afraid to address the problem because of price. Surprisingly, it’s not as expensive as you might fear, especially if you can localize the problem. It’s certainly less expensive than renovating twice. Repairing the foundation generally needs to be done from the outside of the home. Once the issue is localized, a trench is excavated alongside your home to expose the a�ected areas of your foundation. �e amount of space available beside your home will determine whether the trench is machine excavated or dug by hand. �e wall is then scraped and cleaned, a�er which, any holes and cracks are �lled with hydraulic cement.

A�er repairing the foundation a liquid waterproo�ng membrane, actually a rubberized asphalt membrane, is applied to the foundation. �ere are many di�erent products that can be used for the process says Ksiazek, explaining that they vary in quality – and are priced accordingly. He strongly advises not cutting corners on this product since its cost is minimal compared to the labour involved in the entire process. Insist on a quality product. �is product can keep the home from having future issues. Once the membrane cures – it takes up to 24 hours – a second membrane is applied in the form of boards that keep water and water vapour away from the foundation wall. It’s a third layer of insurance that your waterproo�ng won’t fail.

�e �nal step before �lling the trench is to lay weeping tile at the foot of the foundation. A four-inch perforated pipe, it essentially helps water drain into the ground instead of towards your foundation..

�e waterproo�ng process is extremely labour-intensive, with material costs a less signi�cant factor in the price. Ksiazek recommends that, when sourcing a water-proo�ng company, don’t just go with the bid, ask and research the materials they’re going to use. “It’s not cost, it’s value,” he explains. Investigate the options and go for upgraded materials. Also discuss a time frame. A very low bid or a company that quotes a one-day job should send up a red �ag. Because of the time it takes for the products to cure alone, the ground cannot be �lled less than 24 hours a�er a liquid membrane application, otherwise it will never harden. Ksiazek has been called in to redo waterproo�ng and found jobs where the membrane is still tacky, years later, because it wasn’t given enough time to cure and solidify. He realizes that most homeowners aren’t aware of the process and that waterproo�ng is an area where a poor job won’t be noticed for quite some time. It’s not a regulated industry and it’s not a do-it-yourself project. “�is is also not something that you want to pay to do twice,” he explains, though he’s unfortunately seen too many homeowners have to do just that.

�e bottom line is, just check. Have the foundation inspected, be suspicious any time you �nd water where it shouldn’t be. It’s key to enjoying a nice, dry and healthy basement addition.

Mould carries a host of health concerns, from allergy symptoms and headaches to respiratory illness and more serious issues

Ksiazek strongly recommends having someone check the foundation and basement for dampness during a home inspection, and highly recommends having it checked before beginning any basement renovations

B Y E L I S A K R O V B L I T

insiderinfo

The basement is damp, just not quite right. Is it a problem? �e answer is ‘yes’. �ere is a problem with your foundation, it’s letting water into your home and it needs to be �xed. Professional

waterproofer Stephen Ksiazek is principal of �e Waterproofer (thewaterproofer.ca). While it might seem obvious that dry is good, wet is bad, it’s astounding what Ksiazek has found, repeatedly, during his 30+ year career. Water doesn’t belong inside your home. It’s not a matter of destroying the foundation, Ksiazek explains, the concern is the damage that it does once water gets inside. In past eras, when homes were originally built, basements were un�nished and unused. �ey contained no organic material like drywall or �ooring.

when it’s time towaterproof

“If your basement is empty concrete it doesn’t really matter,” says Ksiazek.

“But now we want to use every square foot of the house,” explains Ksiazek. Finished basements are common, but this creates conditions not conducive to a wet basement. Carpeting, drywall, furniture and décor, when mixed with water, is a perfect environment for mould to grow. Once mould starts to grow, contamination can spread quite quickly. Mould carries a host of health concerns, from allergy symptoms and headaches to respiratory illness and more serious issues.

“A�er spending $40-, $50- $60,000 on a basement reno, nobody thinks to waterproof. It happens a lot,” says Ksiazek. “Nobody thinks to waterproof �rst.” And it’s not just occasionally – he sees it all the time, quite regularly in homes that have been �ipped. Not wanting to detract from the overall pro�t with an expensive job that won’t add to the sale price, instead of waterproo�ng, a fresh coat of paint and new drywall can conceal dampness long enough for an unaware homebuyer to purchase the problem. He feels that there’s also an issue that a contractor hired to �nish the basement doesn’t want to add another job that may take away from their budget, even though they may be looking at a home whose age and style warrant having the job done. Other times Ksiazek believes that it’s purely an oversight. “�e vast majority of homeowners don’t understand what their foundation does, other than hold up their house.”

Ksiazek strongly recommends



23

RHH_0913.indd 23 2/28/13 4:12:54 PM
















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11271827_0913

RHH_0913.indd 25 2/28/13 4:12:56 PM

Gail Vaz-Oxlade is the host of Til Debt Do Us Part, author of Debt Free For-ever and blogs daily at gailvazoxlade.com. Follow Gail on Twitter at twitter.com/GailVazOxlade

your goal, and the more your money earns during that time, the less you have to set aside each year.

If you haven’t already done so, establishing an emergency fund for large, unforeseen expenses or temporary job loss should be a priority. Ideally, your emergency fund should be able to support you for three to six months. If someone in your household shares the expenses, consider how long it would take him or her to �nd another job.

Check over your accounts and make sure you’re getting the most for the least. �ere’s no point in paying for services that you’ll use only once in a blue moon. Little things like choosing a passbook option rather than receiving a statement can save you money. If you can reduce or eliminate your fees by maintaining a speci�c minimum balance, consider consolidating your accounts to reduce your costs. If maintaining a monthly balance is a problem, then you’ll have to compare individual service charges to choose the least expensive account for your purposes. Attracted to the “packaged” accounts? Take the time to compare the individual fees with the package costs to see if you come out ahead. �e idea is to pay for only the services you’ll use.

Now it’s time to look at your debt. Begin by eliminating credit card balances and consumer loans. O�en people pay only the minimum required without realizing how much interest costs work against their overall plan. If you have several cards with high balances, consider a consolidation loan

to reduce your interest costs. Does your card charge a high rate of interest? Transfer your balance to a lower-cost card. If you have only a small amount to work o�, put your cards away until the debt is cleared. Once you’re debt-free, by all means take advantage of the convenience credit cards o�er, but keep tight control of them and pay your balance o� in full every month.

Prepare for the risks of everyday life. �e risks we seem to deal with quite easily are property insurance, car insurance and contents insurance. �e risks we tend to overlook are those associated with our economic earning power. If you or your partner were to die, become ill or disabled and unable to work, would your family have the resources to meet their day-to-day needs? It’s a tough question to face, but the consequences of not facing it can be even tougher on your family.

›› Life insurance will protect your family’s standard of living if you die.

›› Disability insurance will provide you with an income if you cannot work due to illness or injury.

›› Critical illness insurance will pay you a lump sum if you are diagnosed with a speci�c illness.

›› Long-term care insurance will pay the bills should you (or other members of your family) need in-home or facility care.

Don’t forget to do some retirement planning. �e only one you can count on is you. �rough means testing of pension and age tax credits, and reduction in senior’s bene�ts, the government is saying loudly and clearly, “You are responsible for providing for yourself.” �ankfully, we still have Registered Retirement Savings Plans (RRSP). Any money contributed to an RRSP remains tax-deferred until the funds are withdrawn. And since investments held in RRSPs also grow on a tax-deferred basis, they grow much more quickly than investments held outside an RRSP.

Despite the fact that almost

everyone should have a will and a power of attorney, many people don’t. Some think their wishes will be carried out by a family member or that they do not have enough money to justify the cost of making a will. Others avoid making a will because their personal circumstances – marriages, divorces, and accumulated children and stepchildren – just seem too complex to unravel. However, if you die without a will, trying to �gure out who gets what, and when, can be a mess. And your estate may end up paying more in fees and taxes than it should, leaving less for your loved ones.

Partnered? Have your wills drawn up together so that they re�ect an integrated estate plan. Review and update your will every three or four years, especially when family circumstances change (weddings, divorces, births and deaths all result in changes in family structure), your �nancial circumstances change, new legislation is implemented, or you change your province or country of residence.

Financial �tness isn’t achieved overnight. It takes time, a sound plan, a strong commitment and, perhaps, a �nancial coach. If you are serious about taking control of your �nances and about your independence, you too can become �nancially �t. Believe in yourself and in your own ability to take charge. �en just do it! See you in the winner’s circle.

IF YOU HAVE EXTRA SPACE, THINK ABOUT RENTING A PART OF YOUR HOME FOR EXTRA INCOME OR SHARING YOUR HOME TO REDUCE YOUR LIVING EXPENSES

People spend a lot of time worrying about what they eat, how much they weigh, and how healthy their hearts

are. According to Statistics Canada, life expectancy rose by almost 2 1/2 years for men and by almost 1 1/2 years for women between 1986 and 1996. But, while we are all now living longer and healthier lives, for many people, �nancial �tness still isn’t a reality.

Only 30 per cent of Canadians follow a monthly budget, while just 40 per cent of us have a formal �nancial plan in place. Yikes! �e fallout of all this inactivity (is it inattention or procrastination?) is that the realities of Canadians’ lives are a long way o� their expectations.

A CIBC Financial Health Poll conducted by COMPAS Inc., showed that 37 per cent of those who retired and then returned to work did so because they didn’t have enough money. What would they have done di�erently if they could do it all over? Well, 60 per cent say that in hindsight they would have started investing earlier and they would have saved more. Hmmm...

More than just having enough money, our level of �nancial �tness re�ects our ability to bring our current and future needs into balance. To have a balanced �nancial plan, you must set some realistic goals. Just as most athletes have speci�c goals toward which they consistently work, the key to �nancial �tness is to set achievable goals and consistently work toward them.

What weighs most heavily on your mind? Very likely there will be several

issues competing for your limited �nancial resources. Do you want to accumulate a speci�c amount of money, eliminate your mortgage or pay o� that new car? Weighing each of your goals against the others will help you to see which are the most important ones.

�ere are no right or wrong answers at this point. Right now, you’re just laying the plan. Later, if you want to double-check it, you can ask your �nancial adviser to look it over and see what’s missing.

OKAY, IT’S TIME TO PICK UP A PEN AND GET TO WORK: ›› Make a list of everything you want

to achieve.›› Make sure you’ve covered each of

the seven areas of a �nancial plan.›› Prioritize your list.›› Pick two goals.›› Make sure your goals are realistic.›› Set some dates.›› Write it all down.›› Check your progress every six months.

Having decided where you want to be, you need to determine where you are now so you can size up the gap. Complete a net worth statement to see just how balanced your �nances are and update this statement annually. It is your scorecard of how much your e�orts are paying o�. Next, do a budget so you can see exactly where your money goes each month. Estimate how much you spend monthly, track your expenses for about three months, and revise your budget to re�ect your actual expenditures. Don’t cop out and say,

“Well I had unusually high expenses this month because...” Emergencies always crop up, and part of being �nancially �t is having a plan for dealing with those nasty little surprises.

NOW LOOK AT YOUR INCOME RELATIVE TO YOUR EXPENSES. IF YOUR EXPENSES SEEM TOO HIGH, YOU CAN EITHER CUT BACK ON WHAT YOU’RE SPENDING OR INCREASE YOUR INCOME:›› Consider a part-time job to boost

your earnings.›› If you have extra space, think about

renting a part of your home for extra income or sharing your home to reduce your living expenses.

›› Consolidate bank accounts to save on fees.

›› Brown-bag it for a few months to trim your waistline and your budget.

›› Share newspapers, magazines and books with friends and co-workers.

›› Park the car.

Having done your warm up exercises – you’ve written your �nancial goals down in order of priority, completed a net worth statement and set up a budget – you now have to decide how to meet your goals.

Let’s say you plan to start an investment program. You want to save $25,000 over the next �ve years. If you’re looking at your budget and thinking, “�ere’s just no way!” maybe you need to adjust your time frame. Or perhaps you need to look at how you’re investing your savings. One rule of investing is the longer you have to reach

B Y G A I L VA Z - O X L A D E

moneymatters

Are you financially fitor fiscally flabby?




RHH_0913.indd 26 2/28/13 4:12:56 PM

Gail Vaz-Oxlade is the host of Til Debt Do Us Part, author of Debt Free For-ever and blogs daily at gailvazoxlade.com. Follow Gail on Twitter at twitter.com/GailVazOxlade

your goal, and the more your money earns during that time, the less you have to set aside each year.

If you haven’t already done so, establishing an emergency fund for large, unforeseen expenses or temporary job loss should be a priority. Ideally, your emergency fund should be able to support you for three to six months. If someone in your household shares the expenses, consider how long it would take him or her to �nd another job.

Check over your accounts and make sure you’re getting the most for the least. �ere’s no point in paying for services that you’ll use only once in a blue moon. Little things like choosing a passbook option rather than receiving a statement can save you money. If you can reduce or eliminate your fees by maintaining a speci�c minimum balance, consider consolidating your accounts to reduce your costs. If maintaining a monthly balance is a problem, then you’ll have to compare individual service charges to choose the least expensive account for your purposes. Attracted to the “packaged” accounts? Take the time to compare the individual fees with the package costs to see if you come out ahead. �e idea is to pay for only the services you’ll use.

Now it’s time to look at your debt. Begin by eliminating credit card balances and consumer loans. O�en people pay only the minimum required without realizing how much interest costs work against their overall plan. If you have several cards with high balances, consider a consolidation loan

to reduce your interest costs. Does your card charge a high rate of interest? Transfer your balance to a lower-cost card. If you have only a small amount to work o�, put your cards away until the debt is cleared. Once you’re debt-free, by all means take advantage of the convenience credit cards o�er, but keep tight control of them and pay your balance o� in full every month.

Prepare for the risks of everyday life. �e risks we seem to deal with quite easily are property insurance, car insurance and contents insurance. �e risks we tend to overlook are those associated with our economic earning power. If you or your partner were to die, become ill or disabled and unable to work, would your family have the resources to meet their day-to-day needs? It’s a tough question to face, but the consequences of not facing it can be even tougher on your family.

›› Life insurance will protect your family’s standard of living if you die.

›› Disability insurance will provide you with an income if you cannot work due to illness or injury.

›› Critical illness insurance will pay you a lump sum if you are diagnosed with a speci�c illness.

›› Long-term care insurance will pay the bills should you (or other members of your family) need in-home or facility care.

Don’t forget to do some retirement planning. �e only one you can count on is you. �rough means testing of pension and age tax credits, and reduction in senior’s bene�ts, the government is saying loudly and clearly, “You are responsible for providing for yourself.” �ankfully, we still have Registered Retirement Savings Plans (RRSP). Any money contributed to an RRSP remains tax-deferred until the funds are withdrawn. And since investments held in RRSPs also grow on a tax-deferred basis, they grow much more quickly than investments held outside an RRSP.

Despite the fact that almost

everyone should have a will and a power of attorney, many people don’t. Some think their wishes will be carried out by a family member or that they do not have enough money to justify the cost of making a will. Others avoid making a will because their personal circumstances – marriages, divorces, and accumulated children and stepchildren – just seem too complex to unravel. However, if you die without a will, trying to �gure out who gets what, and when, can be a mess. And your estate may end up paying more in fees and taxes than it should, leaving less for your loved ones.

Partnered? Have your wills drawn up together so that they re�ect an integrated estate plan. Review and update your will every three or four years, especially when family circumstances change (weddings, divorces, births and deaths all result in changes in family structure), your �nancial circumstances change, new legislation is implemented, or you change your province or country of residence.

Financial �tness isn’t achieved overnight. It takes time, a sound plan, a strong commitment and, perhaps, a �nancial coach. If you are serious about taking control of your �nances and about your independence, you too can become �nancially �t. Believe in yourself and in your own ability to take charge. �en just do it! See you in the winner’s circle.

IF YOU HAVE EXTRA SPACE, THINK ABOUT RENTING A PART OF YOUR HOME FOR EXTRA INCOME OR SHARING YOUR HOME TO REDUCE YOUR LIVING EXPENSES

People spend a lot of time worrying about what they eat, how much they weigh, and how healthy their hearts

are. According to Statistics Canada, life expectancy rose by almost 2 1/2 years for men and by almost 1 1/2 years for women between 1986 and 1996. But, while we are all now living longer and healthier lives, for many people, �nancial �tness still isn’t a reality.

Only 30 per cent of Canadians follow a monthly budget, while just 40 per cent of us have a formal �nancial plan in place. Yikes! �e fallout of all this inactivity (is it inattention or procrastination?) is that the realities of Canadians’ lives are a long way o� their expectations.

A CIBC Financial Health Poll conducted by COMPAS Inc., showed that 37 per cent of those who retired and then returned to work did so because they didn’t have enough money. What would they have done di�erently if they could do it all over? Well, 60 per cent say that in hindsight they would have started investing earlier and they would have saved more. Hmmm...

More than just having enough money, our level of �nancial �tness re�ects our ability to bring our current and future needs into balance. To have a balanced �nancial plan, you must set some realistic goals. Just as most athletes have speci�c goals toward which they consistently work, the key to �nancial �tness is to set achievable goals and consistently work toward them.

What weighs most heavily on your mind? Very likely there will be several

issues competing for your limited �nancial resources. Do you want to accumulate a speci�c amount of money, eliminate your mortgage or pay o� that new car? Weighing each of your goals against the others will help you to see which are the most important ones.

�ere are no right or wrong answers at this point. Right now, you’re just laying the plan. Later, if you want to double-check it, you can ask your �nancial adviser to look it over and see what’s missing.

OKAY, IT’S TIME TO PICK UP A PEN AND GET TO WORK: ›› Make a list of everything you want

to achieve.›› Make sure you’ve covered each of

the seven areas of a �nancial plan.›› Prioritize your list.›› Pick two goals.›› Make sure your goals are realistic.›› Set some dates.›› Write it all down.›› Check your progress every six months.

Having decided where you want to be, you need to determine where you are now so you can size up the gap. Complete a net worth statement to see just how balanced your �nances are and update this statement annually. It is your scorecard of how much your e�orts are paying o�. Next, do a budget so you can see exactly where your money goes each month. Estimate how much you spend monthly, track your expenses for about three months, and revise your budget to re�ect your actual expenditures. Don’t cop out and say,

“Well I had unusually high expenses this month because...” Emergencies always crop up, and part of being �nancially �t is having a plan for dealing with those nasty little surprises.

NOW LOOK AT YOUR INCOME RELATIVE TO YOUR EXPENSES. IF YOUR EXPENSES SEEM TOO HIGH, YOU CAN EITHER CUT BACK ON WHAT YOU’RE SPENDING OR INCREASE YOUR INCOME:›› Consider a part-time job to boost

your earnings.›› If you have extra space, think about

renting a part of your home for extra income or sharing your home to reduce your living expenses.

›› Consolidate bank accounts to save on fees.

›› Brown-bag it for a few months to trim your waistline and your budget.

›› Share newspapers, magazines and books with friends and co-workers.

›› Park the car.

Having done your warm up exercises – you’ve written your �nancial goals down in order of priority, completed a net worth statement and set up a budget – you now have to decide how to meet your goals.

Let’s say you plan to start an investment program. You want to save $25,000 over the next �ve years. If you’re looking at your budget and thinking, “�ere’s just no way!” maybe you need to adjust your time frame. Or perhaps you need to look at how you’re investing your savings. One rule of investing is the longer you have to reach

B Y G A I L VA Z - O X L A D E

moneymatters

Are you financially fitor fiscally flabby?



27

RHH_0913.indd 27 2/28/13 4:12:56 PM

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

housingmarket

Canadian housing activity will be lower in the �rst half of 2013, but will gain momentum by the end of the year and in 2014, according to a recent report from the Canada Mortgage and Housing

Corporation (CMHC).�e CMHC’s �rst quarter 2013 Housing Market Outlook,

Canada Edition shows that moderation in economic and employment growth in the second half of 2012 led to more modest housing demand. And, with continued moderation expected in the �rst half of 2013, total annual housing starts are expected to be lower in 2013 than in 2012.

However, with fundamentals including employment, economic growth and net migration expected to gain momentum later in the year and in 2014, housing starts are expected to trend slightly higher next year.

“CMHC expects housing construction activity will trend lower in the �rst half of 2013, before gaining more momentum by the end of the year as economic and

Housing starts to gain momentum in late 2013

employment growth remain supportive of the Canadian housing market,” says Mathieu Laberge, Deputy Chief Economist for CMHC. “In 2014, improving economic conditions may be partially o�set by a slight moderation in the number of �rst-time homebuyers, and potential small and steady increases in mortgage interest rates.”

On an annual basis, housing starts are expected to range between 178,600 to 202,000 units in 2013, with a point forecast of 190,300 units, following a level of 214,827 units in 2012. In 2014, housing starts are expected to range from 171,200 to 217,000 units, with a point forecast of 194,100 units.

Existing home sales are expected to range between 418,200 to 484,000 units in 2013, with a point forecast of 451,100 units, following a level of 453,372 in 2012. In 2014, Multiple Listing Service (MLS) sales are expected to range from 439,600 to 505,000 units, with an increase in the point forecast to 472,300 units.

�e average MLS price is forecast to be between $356,500 and $378,500 in 2013 and between $363,800 and $390,800 in 2014.

CMHC Market Analysis standard reports are available free for download at cmch.ca/housingmarketinformation.




RHH_0913.indd 28 2/28/13 4:12:57 PM

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

housingmarket

Canadian housing activity will be lower in the �rst half of 2013, but will gain momentum by the end of the year and in 2014, according to a recent report from the Canada Mortgage and Housing

Corporation (CMHC).�e CMHC’s �rst quarter 2013 Housing Market Outlook,

Canada Edition shows that moderation in economic and employment growth in the second half of 2012 led to more modest housing demand. And, with continued moderation expected in the �rst half of 2013, total annual housing starts are expected to be lower in 2013 than in 2012.

However, with fundamentals including employment, economic growth and net migration expected to gain momentum later in the year and in 2014, housing starts are expected to trend slightly higher next year.

“CMHC expects housing construction activity will trend lower in the �rst half of 2013, before gaining more momentum by the end of the year as economic and

Housing starts to gain momentum in late 2013

employment growth remain supportive of the Canadian housing market,” says Mathieu Laberge, Deputy Chief Economist for CMHC. “In 2014, improving economic conditions may be partially o�set by a slight moderation in the number of �rst-time homebuyers, and potential small and steady increases in mortgage interest rates.”

On an annual basis, housing starts are expected to range between 178,600 to 202,000 units in 2013, with a point forecast of 190,300 units, following a level of 214,827 units in 2012. In 2014, housing starts are expected to range from 171,200 to 217,000 units, with a point forecast of 194,100 units.

Existing home sales are expected to range between 418,200 to 484,000 units in 2013, with a point forecast of 451,100 units, following a level of 453,372 in 2012. In 2014, Multiple Listing Service (MLS) sales are expected to range from 439,600 to 505,000 units, with an increase in the point forecast to 472,300 units.

�e average MLS price is forecast to be between $356,500 and $378,500 in 2013 and between $363,800 and $390,800 in 2014.

CMHC Market Analysis standard reports are available free for download at cmch.ca/housingmarketinformation.



29

RHH_0913.indd 29 2/28/13 4:12:58 PM

% 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

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:




RHH_0913.indd 30 2/28/13 4:12:58 PM

% 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

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:



31

RHH_0913.indd 31 2/28/13 4:12:59 PM

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




RHH_0913.indd 32 2/28/13 4:12:59 PM

5G

Moulton West Lincoln Dunn Ancaster Caistor

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Stoney Creek Flamborough Caledonia

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Burlington Hagersvi l le Moulton West Lincoln Dunn Ancaster Caistor Stoney Creek

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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

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, � ooring, front/rear decks, rear fence, rear shed, furnace, water heater, propane � replace, paved driveway, electrial panel and more. Taxes in 2012 were only $1472.74. Just a short walk to a private beach.

0913_KIMRI_1_0066

$179,900

GREAT VALUE ON HAMILTON MOUNTAIN

Great 3+1 bedroom, 2 bath bungalow on a huge 40.17x192.20 ft lot. Many updates and upgrades over the years, including pot lighting throughout, maple hardwood � oors on main level, walnut laminate in lower level, crown mouldings, kitchen (cabinetry, backsplash, concrete countertops), 4 pc bath (fully reno’d in 2012-soaker tub, glass shower, porcelain tiles, travertine � oor tiles). Beautiful 3 pc bath in lower level with stand-up glass shower, additional bedroom in lower level with double closets, all vinyl clad windows, furnace and central air (approx. 4 years ago) - The list goes on and on. Great value in an excellent location.

0913_KIMRI_1_0065

$279,900

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 � 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.

0913_KIMRI_1_0023

0913_KIMRI_1_0023

$769,900

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 � oor plan with patio doors from dining room to private backyard. Lower level rec room. Includes fridge, stove, dishwasher, washer & dryer.

0913_KIMRI_1_0002

$234,900

*Not intended to solicit clients currently under contract.

www.facebook.com/afriendinrealestate“Like” me on Facebook

11247604_0913

Andrea Maddox

[email protected]

State Realty BrokerageIndependently Owned & Operated

SaLeS RepReSentative

Beautifully renovated home. Spacious & open living rm/dining rm with hardwood floors & high ceilings. Updates include: kitchen, bathrm,

ceramics, furnace, c/air, windows. Fresh, clean & neutral decor. $179,900.

AFFORDABLE

0713_KIMRI_0013

$179,900

SHOW YOUR PROPERTY WHERE IT WILL SELL HERE IN COLOUR AND ON THE COVER

Escarpment Realty Inc., BrokerageIndependently owned & operated

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

(905) 628-WORK (9675)www.donnalavin.com

www.homesingoldenhorseshoe.com

Inducted in 200420042009Accredited Buyer

representAtiveAccredited

stAging professionAl

CALL DONNA LAVIN TODAY TO GET THIS SIGN ON YOUR LAWN!

* Not intended to solicit properties currently listed for sale

“Serving the real estate needs of the community since 1979.”

DONNA LAVINSales Representative

CA$H BUYERS Looking for homes in Dundas, West Hamilton and Flamborough!

If you have one, call me today!

Bright spacious and charming bunga-low offers 3 BRs. 2 baths, hardwood floors, cove ceilings, recent shaker kitchen with granite CT. fin. Rec. rm. and private property with beautiful per-ennial gardens! $ 419,900.00

1.5 Sty 3BR. 1.5 bath brick home single ga-rage, double drive, main floor master, Arts & Crafts eat in kitchen, formal dining room with beamed ceiling, sunfilled family room addition, hardwood floors, leaded and stained glass. Updated roof, C/A, Boiler, and wiring.WOW! $429,900.00

Downtown Dundas & The Driving Park Just Listed Downtown Dundas


















SHOW YOUR PROPERTY WHERE IT WILL SELL HERE IN COLOUR AND ON THE COVERSHOW YOUR PROPERTY WHERE IT WILL SELL HERE IN COLOUR AND ON THE COVER


































2011 Inducted in 2004

CA$H BUYERSLooking for homes in Dundas, West Hamilton and Flamborough!


11254693_0913

Beautiful country property with great views over farmland. 3+2 BR., brick home offers in-home offi ce with sep. entrance, fully fi nished lower level has combo laund. 3 pce bath and 2 good size bedrooms. Ideal for growing family. Great access to Cambridge, Brantford & Hamilton.

WOW! Lake & escarpment views abound in this 3BR, spacious LR/DR. Updated eat-in kitchen, den with bar & elect. FP. no carpet. Recent bath + 2 pce ens. Full amenitiy building pool, sauna, library, workshop, exercise rm. Great Hwy access!

JUST LISTED STONEY CREEK CONDO $229,900

0513

_KIM

RI_0

056

JUST LISTED WEST FLAMBOROUGH $359,900

0513

_KIM

RI_0

057

SOLD!If You are

Thinking of Selling

Call Donna Now!SOLD!

If You are

Thinking of Selling

Call Donna Now!

[email protected] or 1.877.574.7441

Lynn VienneauBusiness Associate

Rick SharmaBroker

Reisha DassTeam Mnger/Sales Rep.

Monica BechampBusiness Associate

STATE REALTY BROKERAGEINDEPENDENTLY OWNED & OPERATED

Top 1% NationallyFOR ROYAL LEPAGE

2006-Present

1124

7502

_091

3

Builder’s own home. approx 5500 sq. ft of living space. Stunning - it will take your breath away. Thousand of $$$$ spent. Secluded on a pie-shape lot with inground heated pool. 5+1 bedrms, 4.5 bathrm. Too much to mention. Please visit our website for full details & to view the virtual tour. $1,225,000. MLS H3102922

GRIMSBY

0913_KIMRI_1_0027

A rare fi nd historic home (1827) on a huge 66 ft x 166 ft lot that backs on edge of ravine & overlooks w/fantastic views of town of Dundas & includes: Pine planks fl rs, hand hewn beamed ceilings, huge screened in verandah overlooking ravine, updated baths & kitchen. Also being operated as a “Bed & Breakfast” spotless & stunning. $489,999. MLS H3103125

DUNDAS

0913_KIMRI_1_0028

Approx 1800 sqft bungalow w/scenic views & long drive into dbl garage/workshop (ideal for hobbyist.) Master w/gas fi replace, 4 pce ensuite includes jetted tub & separate shower. Wood stove insert in livingrm. Newer kitchen & fl rs & walkout onto huge deck 2nd gas frplc in recrm. Country Living mins from Shops & Malls. $389,900 MLS H2192769

WEST LINCOLN

0913_KIMRI_1_0029

Wow! What an amazing home. Neutral decor, spotless, stunning w/open concept & includes lots of upgrades & updates. Finished familyrm w/gas fi replace & bar. Huge recrm. Newer windows, newer hi-eff gas furnace, newer kitchen. Hardwd ffl rs on main level. Nothing to do but move in condition. Easy access to the “Linc” & “Redhill Creek” hwys. $324,900 MLS H3103216

HAMILTON EAST

0913_KIMRI_2_0030

resale home & condo hamilton - 02 mar., 2013

Documents

e s r e p r e s e n

y o w n e d o p e r

t e d darrenpapineau

d i r e c t

bdrm country home

real estate brokerage

shawn maher w design

new bathrm w ceramics