Betty's personal touch in Lorne Park

Jan 24 Betty's Pic Of The Week Lorne Park

2012-01-26T14:01:00.000-08:00

Lorne Park is located west of Port Credit and north of Lake Ontario. The area is noted as mainly residential.

My web site is a sought after resource for the weekly postings of available Lorne Park properties. By accessing Betty's Pic of the Week and signing up for the instantly downloadable report, you can receive up to date information of some of the homes that are available in this elegant community.

Here is a list of Homes for Sale in the Lorne Park Community of Mississauga. I will be updating this list on a regular basis, so please feel free to come back several times and see what's new.

Click here to view Properties of Interest

You can get this list immediately with site sign up. Fill in the form with correct contact information. Only with correct information will the computer send you your request.

Betty Bartusevicius, Sales Representative
Accredited Senior Agent
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh Five
Office: 905-828-3434
Direct: 416 427 1875
Email: betty@bettybart.com

PERSISTENT AND PATIENT IN DELIVERING RESULTS!! ALL REFERRALS ARE GREATLY APPRECIATED

this is not intended to solicit buyers or sellers under brokerage contract

Dec 21 Betty's Pic Of The Week Lorne Park

2011-12-21T17:42:00.000-08:00

My web site is a sought after resource for the weekly postings of available Lorne Park properties. By accessing Betty's Pic of the Week and signing up for the instantly downloadable report, you can receive up to date information of some of the homes that are available in this elegant community.

Here is a list of Homes for Sale in the Lorne Park Community of Mississauga. I will be updating this list on a regular basis, so please feel free to come back several times and see what's new.

Click here to view Properties of Interest

You can get this list immediately with site sign up. Fill in the form with correct contact information and the list will be sent to you immediately. Only with a correct email address can your request be fulfilled.

Betty Bartusevicius, Sales Representative

Accredited Senior Agent

Re/Max Realty Specialists Inc., Brokerage

Fine Homes In Nine Oh Five

Office: 905-828-3434

Direct: 416-427-1875

Email: betty@bettybart.com

Web Site: http://www.bettybart.com/
PERSISTENT AND PATIENT IN DELIVERING RESULTS!! ALL REFERRALS ARE GREATLY APPRECIATED
this is not intended to solicit buyers or sellers under brokerage contract

Dec 5 Betty's Pic Of The Week Lorne Park

2011-12-08T17:12:00.001-08:00

Lorne Park is located east of Clarkson, south of Erindale, west of Port Credit and the Credit River, and north of Lake Ontario. The principal streets and roads in Lorne Park are Lakeshore Road and Lorne Park Road. The QEW (Queen Elizabeth Way) is the northern border of the neighbourhood.

My web site is a sought after resource for the weekly postings of available Lorne Park properties. By accessing Betty's Pic of the Week and signing up for the instantly downloadable report, you can receive up to date information of some of the homes that are available in this elegant community.

Here is a list of Homes for Sale in the Lorne Park Community of Mississauga. I will be updating this list on a regular basis, so please feel free to come back several times and see what's new.

Click here to get the updated list of Lorne Park Properties.

You can get this list immediately with site sign up. Fill in the form with correct contact information and the list will be sent to you immediately. Only with a correct email address can your request be fulfilled.

Betty Bartusevicius, Sales Representative
Accredited Senior Agent
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh Five
Office: 905-828-3434
Direct: 416-427-1875
Email: betty@bettybart.com
Web Site: http://www.bettybart.com/

PERSISTENT AND PATIENT IN DELIVERING RESULTS!! ALL REFERRALS ARE GREATLY APPRECIATED
this is not intended to solicit buyers or sellers under brokerage contract

Watercolours Update for November 2011

2011-12-08T16:44:00.001-08:00

Watercolours in Mississauga is located at Indian Road and Mississauga Road. Visitors are greeted with a stone gate marking the almost gated community thru only two entries via Cobalt and Infinity St(s).

Quality upscale Mattamy built homes ranging from 3700 to 5000 + square feet are arranged on 50 to 75 foot lots. The Majority are freehold owned detached properties. The addition of smaller Private Roads and the concept of condominium type detached home ownership has finally arrived and is very attractive to occasional residents.

My web site is a sought after resource for the updated activity reports in this elegant community. By accessing Betty's Pic of the Week and signing up for the instantly downloadable report, you can receive updated information of the homes that are available and that have sold in the past month in this elegant community.

Here is a list of Homes for Sale and that have sold in Watercolours by Mattamy in Mississauga for the month of November 2011. I will be updating this list on a regular basis, so please feel free to come back several times and see what's new.

Click Here to request the list to view information that may be of interest to you.

You can get this list immediately with site sign up. Fill in the form with correct contact information and the list will be sent to you immediately. Only with a correct email address can your request be fulfilled.

Betty Bartusevicius, Sales Representative
Accredited Senior Agent
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh Five
Office: 905-828-3434
Direct: 416-427-1875
Email: betty@bettybart.com
Web Site: http://www.bettybart.com/
PERSISTENT AND PATIENT IN DELIVERING RESULTS!! ALL REFERRALS ARE GREATLY APPRECIATED
not intended to solicit buyers or sellers under brokerage contract

2011-12-01T10:47:00.001-08:00

With each day showing signs of winter having set it, it certainly is time to start thinking about the holiday season. Families are starting to get together on weekends, either to bake or just to decorate the homes of loved ones and their own homes. Are you planning that winter get-away for some sunshine or going to the mountains to get in some skiing/boarding and well deserved rest?

The malls are starting to get busy! Now that Santa has come to town, the shoppers are attempting to get their shopping done. There is so much going on. RIDE is now in full operation, so let's make sure that we don't drink and drive. It's not worth it!!! I see so many smiles on faces.

I'm not going to pester you with real estate news. If you would like to read the Market Watch for the month of November, here it is. Read it online and save a couple of trees. Read it when you have a little bit of time, or just wait until the New Year. Keep yourslef informed about what's going on close to the end of yet another great year in Real Estate.

I would like to wish all of you the safest holiday season. Enjoy being with your families, loved ones, and friends. I would like to thank all who have enriched my life by just letting me inside their family circle, even for a short while, and allowed me to fulfill their dream of owning a new home. If I helped you sell your existing house, I certainly hope that you were satisfied with my services.

Happy Holidays to All

I look forward to being of further assistance to you and I hope that you consider introducing me to those who are considering making a real estate move in the coming year.

Have a Safe and Happy Holiday Season and wishing you health and happiness in the coming years.

Betty Bartusevicius, Sales Representative
Accredited Senior Agent
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh Five
Office: 905-828-3434
Direct: 416 427 1875
Email: betty@bettybart.com
Web Site: http://www.bettybart.com/

PERSISTENT AND PATIENT IN DELIVERING RESULTS!! ALL REFERRALS ARE GREATLY APPRECIATED

this is not intended to solicit buyers or sellers under brokerage contract

October 2011 Watercolours Update

2011-11-09T08:00:00.000-08:00

Watercolours in Mississauga is located at Indian Road and Mississauga Road. Visitors are greeted with a stone gate marking the almost gated community thru only two entries via Cobalt and Infinity St(s).

By accessing Betty's Pic of the Week and signing up for the instantly downloadable report, you can receive up to date information of some of the homes that are available in the elegant community of Watercolors in Lorne Park.

Here is a list of Homes for Sale and Sold in the Watercolors Community in Mississauga for the month of October 2011. I will be updating this list on a regular basis, so please feel free to come back several times and see what's new.

Click here to view Properties of Interest. Only with correct information on the sign in form will you get the list immediately.

Need more information? Do you have any further questions? Feel free to contact me directly at 416 427 1875.

Betty Bartusevicius, Sales Representative
Accredited Senior Agent
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh FiveOffice: 905-828-3434
Fax: 905-828-2829
Direct: 416-427-1875Email: betty@bettybart.com
Web Site: http://www.bettybart.com/
PERSISTENT AND PATIENT IN DELIVERING RESULTS!!

ALL REFERRALS ARE GREATLY APPRECIATED

this is not intended to solicit buyers or sellers under brokerage contract

UTM - Terrence Donnelly Health Sciences Complex

2011-11-03T11:41:00.000-07:00

The official opening of the Terrence Donnelly Health Sciences Complex at the University of Toronto Mississauga Campus has been celebrated. Fifty-four medical students started their journey.

The facility houses the Mississauga Academy of Medicine as well as the biomedical communications program, lecture theatres and medical teaching classrooms, etc. This will help to fulfill the long-term vision of the campus.

Congratulations to those students who have worked hard and succeeded in getting into this program to become the City of Mississauga's first graduating doctors.

Betty Bartusevicius, Sales Representative
Accredited Senior Agent
RE/MAX Realty Specialists Inc., Brokerage
905 828 3434
Direct 416 427 1875

Accredited Senior Agent Status

2011-11-01T11:28:00.000-07:00

As a Real Estate professional, I am proud to inform you that I have recently acquired my Accredited Senior Agent status. Along with me, the Canadian population is aging. Therefore, selling real estate is changing, and will continue to change, in the ways we provide diligent services. The course provided by Barry Lebow and Christopher Newell has trained me to deliver specific services to those of the mature and senior markets, their families, and those who are in need of special consideration.

Not only will I continue to educate myself to assist ALL my clients, but now I have a larger complement of top quality professionals to assist me for specific information and guidance.

With less than 1% of Canadian Realtors having earned the prestigious Accredited Senior Agent professional designation, I am proud to be in the this elite group.

Don't think for a minute that I have forgotten the first time home buyers or those who are not seniors. This just gives me more tools allowing me to provide professional services to ALL ages of buyers and sellers. I have always been proud of the patience and service that I have given my clients. I am looking forward to being of service to all who would like to work with me and to those who you may refer. Thank you Barry Lebow and Christopher Newell for giving me the opportunity.

Feel free to contact me directly at 416 427 1875. All conversations are private. There is no pressure tactics. Your decision is the decision I will respect.

Betty Bartusevicius, Sales Representative

Accredited Senior Agent

RE/MAX Realty Specialists Inc., Brokerage

905 828 3434

Direct: 416 427 1875
EMAIL: betty@bettybart.com

WEB SITE: http://www.bettybart.com/

PERSISTENT AND PATIENT IN DELIVERING RESULTS!!

ALL REFERRALS ARE GREATLY APPRECIATED

this is not intended to solicit buyers or sellers under brokerage contract

Betty's Pic Of The Week Updates

2011-10-11T17:48:00.000-07:00

10th of October 2011 and the new updated lists for listings in Lorne Park, Oakville, and the updated activity list for Lorne Park are out. Need more information? Contact Betty Bartusevicius, Sales Representative, Accredited Senior Agent of Re/Max Realty Specialists Inc., Brokerage.

Betty's Pic Of The Week Lorne Park Oct 10

2011-10-11T17:22:00.000-07:00

Prestigious Lorne Park is located east of Clarkson, south of Erindale, west of Port Credit and the Credit River, and north of Lake Ontario. The area is noted as mainly residential.

My web site is a sought after resource for the weekly postings of available Lorne Park properties. By accessing Betty's Pic of the Week and signing up for the instantly downloadable report, you can receive up to date information of some of the homes that are available in this elegant community.

Here is a list of Homes for Sale in the Lorne Park Community of Mississauga. I will be updating this list on a regular basis, so please feel free to come back several times and see what's new.

Click here to view Properties of Interest

There are more homes that are available. Do you know someone who is thinking of selling? Give them my information and have them call me directly at 416 427 1875. Do you know someone who wants to move into the neighbourhood? Let me provide them with my personal touch!!! I am also including an up to date Market Watch.

Betty Bartusevicius, Sales Representative
Accredited Senior Agent
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh Five
Office: 905-828-3434
Direct: 416-427-1875
Email: betty@bettybart.com
Web Site: http://www.bettybart.com/

PERSISTENT IN ACHIEVING RESULTS!! ALL REFERRALS ARE GREATLY APPRECIATED

this is not intended to solicit buyers or sellers under brokerage contract

Adult Lifestyle Over 50

2011-10-08T17:07:00.000-07:00

Whatever senior living choice or lifestyle option you desire let me help you find the right choice. If you need to sell the house that you own, let me get it done. Remember, when you're dealing with a Accredited Senior Agent, I have the patience and perseverance to get the job done and make it easy for you.

Betty Bartusevicius, Sales Representative
Accredited Senior Agent
Re/Max Realty Specialists Inc., Brokerage
Office: 905 828 3434
Direct: 416 427 1875
Email; betty@bettybart.com
Web Site: bettybart.com

Persistant at getting it done!!!! All referrals are greatly appreciated
not intended to solicit buyers or sellers under brokerage contract

Evergreen Adult Lifestyle Living Mississauga

2011-10-04T17:35:00.000-07:00

Welcome to 810 Scollard Drive Unit #209 in Mississauga at Eglinton and Mavis Road. A spotless unit in Mississauga's finest Retirement Lifestyle Community. Enjoy all the amenities of pampered living in an adult community for mature clients. This building provides 24 Hour Concierge, Medical & Shuttle Services. The building is close to all amenities, transit & highways.

Also included in this unit are stainless steel fridge, stainless steel built-in dishwasher, cook top, and a built-in wall oven. Beautiful granite counter tops make this kitchen shine. White subway tiles were installed for the backsplash. No carpeting in this unit. You will also get a parking spot, and a locker for extra storage.

Sit on the balcony on the north side of the building. Across the driveway is a proposed parkette.

For pictures and a virtual tour, please click W2209475

With 42,000 square feet of entertainment including a Salon, Spa, Library, 50'S Diner, Fine Dining, Salt Water Pool With Aquafit Classes, Internet Lounge, Billiards & the list goes on.

With it's beautiful lobby and exquisite lounges, Evergreen evokes a sense of luxury and comfort. Evergreen Retirement Community provides a variety of activities to keep you as busy or relaxed as you choose. Enjoy the company of new friends while sipping a cocktail at the bar. The choice is yours. You have independent lifestyle services and you have full service lifestyle.

Feel free to call me directly at 416 427 1875

Betty Bartusevicius, Sales Representative
Accredited Senior Agent
Re/Max Realty Specialists Inc., Brokerage
905 828 3434
Fine Homes In 905
Cell: 416-427-1875
Email: betty@bettybart.com
Web Site: http://www.bettybart.com/

PERSISTENT IN GETTING THINGS DONE!!! ALL REFERRALS ARE GREATLY APPRECIATED

not intended to solicit buyers or sellers under brokerage contract

Sept 7 Betty's Pic of The Week Lorne Park Mississauga

2011-09-08T17:14:00.001-07:00

Lorne Park, now considered a suburban residential neighbourhood in southwestern Mississauga. This prestigious neighbourhood is located east of Clarkson, south of Erindale, west of Port Credit and the Credit River, and north of Lake Ontario. The area is noted as mainly residential. The principal streets and roads in Lorne Park are Lakeshore Road and Lorne Park Road. The QEW (Queen Elizabeth Way) is the northern border of the neighbourhood and Lake Ontario is the southern boundary.

My web site is a sought after resource for the weekly postings of available Lorne Park properties. By accessing Betty's Pic of the Week and signing up for the instantly downloadable report, you can receive up to date information of some of the homes that are available in this elegant community.

Here is a list of Homes for Sale in the Lorne Park Community of Mississauga. I will be updating this list on a regular basis, so please feel free to come back several times and see what's new.

Click here to view Properties of Interest. You can get this list sent to you immediately with site sign up. Fill in the form with correct contact information and save a tree and read it on line.

Feel free to contact me directly at 416 427 1875.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh Five
Office: 905-828-3434
Direct: 416-427-1875
Email: betty@bettybart.com
Web Site: http://www.bettybart.com
LET ME GIVE YOU A HELPING HAND
PERSISTENT IN GETTING THINGS DONE!! ALL REFERRALS ARE GREATLY APPRECIATED

this is not intended to solicit buyers or sellers under brokerage contract

Aug 22 Betty's Pic Of The Week Lorne Park

2011-08-23T17:06:00.000-07:00

Lorne Park is located east of Clarkson, south of Erindale, west of Port Credit and the Credit River, and north of Lake Ontario. The area is noted as mainly residential.

My web site is a sought after resource for the weekly postings of available Lorne Park properties. By accessing Betty's Pic of the Week and signing up for the instantly downloadable report, you can receive up to date information of some of the homes that are available in this elegant community.

Here is a list of Homes for Sale in the Lorne Park Community of Mississauga. I will be updating this list on a regular basis, so please feel free to come back several times and see what's new.

You can get this list immediately with site sign up. Fill in the form with correct contact information.

Click here to view Properties of Interest

There hasn't been much 'new' activity in this neighbourhood. As our summer season slowly comes to an end and we resume our routine lives, if you are thinking of listing your house, or know of someone who is need of my services, please feel free to call me directly at 416 427 1875.

Betty Bartusevicius, Salesperson
Re/Max Realty Specialists Inc., Brokerage
905 828 3434
Direct: 416 427 1875
EMAIL: betty@bettybart.com
WEB SITE: www.bettybart.com

LET ME GIVE YOU A HELPING HAND!!!

PERSISTENT AT GETTING THINGS DONE!! ALL REFERRALS ARE GREATLY APPRECIATED.

not intended to solicit buyers or sellers under brokerage contract

Housing Market News

2011-08-17T10:46:00.001-07:00

Well, here we go again. I had sent my monthly newsletter to my clients for the month of August stating that there was a hiccup in the financial market. Yes, there was and most of my clients, as probably everyone else's, locked their wallets and checkbooks up in a vault. Didn't throw away the key, but... Now, things were better last week and some have decided to get back into looking for and purchasing a home.

Great. What do I see in the paper this morning? "Eager Buyers Keep Housing Hot". Isn't that the truth? Yes, there are buyers out there but a hugely depleted inventory of homes for sale. Multiple offers...big time. I just went through this with a buyer. 8 offers on a link home in Mississauga. We went in with an extremely fair offer, but alas, we didn't get it. Disappointment for a while, but after discussing the pitfalls of overpaying, we are now on to the next one. Now, remember, there were 6 other buyers besides ourselves, that are in the hunt. Chances are I'm going to meet those agents on the street again as we wait for the response from the sellers about our offers.

Canadians still have a dream of owning a home. All the talk that the market was going to 'tank', isn't happening. Interest rates remain low and appear that they're going to stay low at least well into 2012.

Prediction is, that inventory levels may increase in the fall as the summer holiday season comes to an end and the kids go back to school, also, more baby boomers MAY look to cash in on their biggest asset at the market peak. If that happens, then the multiple offers may ease. Sales of homes that are priced well and show well with little left for the buyer to do will sell quickly.

My buyers right now are in a little bit of a panic as school boundary issues become important, travel to and from work becomes an issue, plus a gamut of other specifications that I deal with in order to get my buyers in the home of their dreams.

The EX is just around the corner. Buskerfests are happening. Southside Shuffle is coming back. Fall is just around the corner.

Get out there and enjoy the rest of this most perfect summer. There is so much going on, and a lot of it is free. If you have any questions, I haven't gone away so I am here to provide answers. Take a visit on my web site if you are leery of talking to an agent. Take a look at my YOU TUBE Videos and get to know me before we meet.

Remember, no pressure tactics...just persistence at getting this done.

Your decision is the decision I will respect.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
OFFICE: 905 828 3434
DIRECT: 416 427 1875
EMAIL; betty@bettybart.com
WEB SITE: bettybart.com

LET ME GIVE YOU A HELPING HAND

PERSISTENT AT GETTING THINGS DONE!! ALL REFERRALS ARE GREATLY APPRECIATED.

not intended to solicit buyers or sellers under brokerage contract

July 2011 Market Watch Now Available

2011-08-05T12:22:00.001-07:00

How scary has the Business News been the last couple of days. The US started quivering and this morning, Europe is now watching very closely what is happening in the US.

Of course, Canada depends on the US (as does the rest of the world market) and this morning all I'm hearing is how bad things 'could' become. Is there going to be a second recession? Who knows. But it is keeping us glued to our radios and the news today.

Now, the availability of the July 2011 Market Watch comes out today with good news. The market faired quite well in July. But is this something you would like to hear? If we could have announced this a few days ago it would have been better received. I would like to tell my clients...don't freeze...you can take a breath...but now, let's negotiate.

Read the Market Watch on line and save a tree!!! Just Click here Now wasn't that easy?

Call me directly if you would like to discuss anything real estate at 416 427 1875. You can also text me at 416 427 1875 or email me at betty@bettybart.com

Betty Bartusevicius, Salesperson
Re/Max Realty Specialists Inc., Brokerage
905 828 3434
Direct: 416 427 1875
EMAIL: betty@bettybart.com
WEB SITE: www.bettybart.com

LET ME GIVE YOU A HELPING HAND!!!
PERSISTENT AT GETTING THINGS DONE!! ALL REFERRALS ARE GREATLY APPRECIATED.

not intended to solicit buyers or sellers under brokerage contract

Are You New To Your Neighbourhood?

2011-07-15T07:45:00.000-07:00

Here we are in the middle of July and we are all enjoying a wonderful start to the summer. If you were among the thousands who moved at the end of June/beginning of July, you are now probably just starting to make a small dent in all the boxes that came with you. At the same time, you're keeping your family busy and happy.

Moving can be a huge upheaval to a family. You are in new surroundings and trying to adapt to new social activities. Everyone always says, 'moving wasn't so bad'. Or a Realtor will tell you, 'let me make that move less stressful'. There is no way that anyone can make a move less stressful. Studies have shown that moving follows mourning and job loss in the order of stress levels. HHMMM!!!! This may make you reconsider to just stay where you are!!! Don't let it. If you're ready, you're ready and know that when you are in your new home, there is a light at the end of the tunnel that will make all of this forgotten until the next time. Does it get easier with every move? I don't think so. You are just more organized with each and every move and are more prepared with the glitches that pop up!

I remember moving my daughter the first time into her first home!!! Talk about stress!!! She really didn't think that there would be so much to do. Once she was in, and unpacked, we left her to her own devices. The second time was much easier.

There are a few ways to make moving a little easier on everyone. First, you must adapt to your new neighbourhood. If your realtor knew that neighbourhood, he/she would have already been able to provide you with information about where to shop, fun activities for the family, festival programs, sports and cultural facilities, and the list goes on. If not, then there is the Internet.

Once you have a few minutes, perhaps in the evening while the weather is warm and the days are longer, visit a commercial core somewhere. These areas abound with local neighbours and visitors sitting and enjoying cafes and restaurants and chatting with each other. What a great way to make friends!!! In Mississauga, take a look at Streetsville and Port Credit.

If you have children and were lucky enough to purchase a home with a pool, maybe have a pot luck housewarming party. What a great way for you and for your children to feel more at ease in their new surroundings and I'm sure your neighbours will appreciate this type of kindness. If not a pot luck, then supply cold beverages and snacks yourself. It doesn't have to be costly.

Start getting ready for the fall. Find out from your new neighbours the activities that are provided by the neighbourhood and sit and chat with your kids about what they would be interested in joining. Take your kids for a walk to the school that they will be attending so that they learn the route and comfortable with it. Also, by connecting with your neighbours, your kids will soon find friends with whom they will be walking to school.

As you can tell, when you move into a new neighbourhood, it is a good idea to stick around. Get your kids playing out at the front of the home so that your new neighbours can see you and feel comfortable in meeting your family. When I first moved into the Sheridan Homelands neighbourhood, one of my neighbours came over and said, 'if your kids don't play out front, no one will know that they are here'. We were fortunate to get a home with a pool and that's where we would spend our days. But, we did make time to play basketball, ride our bikes, roller blade, etc. out front.

If you have any questions about Lorne Park, Sheridan Homelands, Sherwood Forrest, Port Credit, Streetsville, Churchill Meadows -- in other words south Mississauga...I am around to answer any questions you may have. Feel free to call me directly at 416 427 1875. If you're thinking of selling at this time or are looking to purchase in these lovely neighbourhoods, give me a call.

Now, go out and enjoy.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
OFFICE: 905 828 3434
DIRECT: 416 427 1875
EMAIL: betty@bettybart.com
WEB SITE: www.bettybart.com

LET ME GIVE YOU A HELPING HAND!!!
PERSISTENT IN GETTING THINGS DONE!!! ALL REFERRALS ARE GREATLY APPRECIATED

not intended to solicit buyers or sellers under brokerage contract

July 13 Betty's Pic Of The Week Lorne Park

2011-07-13T17:19:00.000-07:00

Lorne Park is located east of Clarkson, south of Erindale, west of Port Credit and the Credit River, and north of Lake Ontario. The area is noted as mainly residential.

The principal streets and roads in Lorne Park are Lakeshore Road and Lorne Park Road. The QEW (Queen Elizabeth Way) is the northern border of the neighbourhood.
My web site is a sought after resource for the weekly postings of available Lorne Park properties.

By accessing Betty's Pic of the Week and signing up for the instantly downloadable report, you can receive up to date information of some of the homes that are available in this elegant community.

Here is a list of Homes for Sale in the Lorne Park Community of Mississauga. I will be updating this list on a regular basis, so please feel free to come back several times and see what's new.

Click here to view Properties of Interest

You can get this list immediately with site sign up. Fill in the form with correct contact information and the list will be sent to you.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh Five
Office: 905-828-3434
Direct: 416-427-1875
Email: betty@bettybart.com
Web Site: http://www.bettybart.com

LET ME GIVE YOU A HELPING HAND
PERSISTENT IN GETTING THINGS DONE!! ALL REFERRALS ARE GREATLY APPRECIATED

this is not intended to solicit buyers or sellers under brokerage contract

David Ramsey Outdoor Pool Sheridan Homelands

2011-07-05T17:47:00.000-07:00

Sheridan Homelands is a family friendly neighbourhood located in the west end of Mississauga. It's boundaries are Dundas to the north, Erin Mills Parkway to the east, Winston Churchill Blvd. to the west, and the QEW to the south.

An area with older homes, parks, and great schools. David Ramsey outdoor pool was closed last year and has gone through a tremendous facelift. Come and join the grand opening of this great neighbourhood meeting place on the 9th of July, Saturday, starting at 1:00 p.m. There will be lots of activities, refreshments, and you can even have a free swim to cool off.

Hope to see you there.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
905 828 3434
DIRECT; 416 427 1875
EMAIL; betty@bettybart.com
WEB SITE: www.bettybart.com

LET ME GIVE YOU A HELPING HAND

PERSISTANT IN GETTING THINGS DONE!! ALL REFERRALS ARE GREAT APPRECIATED
not intended to solicit buyers or sellers under brokerage contract

Bungalow For Sale In Oakville

2011-06-22T17:18:00.000-07:00

Located at 460 Brookmill Road, this well maintained bungalow in Oakville is looking for a new owner. It is near Ford Drive with easy access to QEW and the 403. Be in Toronto via the QEW or on the GO Train, or enjoy the activity in Old Oakville. Great family street.

The master bedroom has a semi-ensuite. Full recreation room with a fireplace, 3 piece washroom, and a bedroom in the basement. Private yard with patio to enjoy the peace and serenity of this neighbourhood. Newer broadloom throughout the main floor.

Click here for more information and more pictures.

You will also get the fridge, stainless steel stove, new sink, all existing electric light fixtures, central air conditioning, built-in dishwasher, and all window coverings.

If you would like to see this home, feel free to contact me directly at 416 427 1875 and let me make the arrangements. If not this home, perhaps I can show you something else?

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
905 828 3434
CELL: 416 427 1875
EMAIL: betty@bettybart.com
WEB SITE: www.bettybart.com

LET ME GIVE YOU A HELPING HAND

PERSISTENT AT GETTING THINGS DONE!!! ALL REFERRALS ARE GREATLY APPRECIATED

not intended to solicit buyers or sellers under brokerage contract

Levi Creek Home For Sale, Mississauga

2011-05-31T16:59:00.000-07:00

Welcome to A fabulous Mattamy built family home in sought after Levi Creek. This home features an open concept main floor. An eat-in kitchen with access to a fully fenced backyard through garden doors. Beautiful tumble slate back splash in the kitchen. Under cabinet lighting provides extra lighting on the work surfaces. The combined living/dining room boasts a gas fireplace and a vaulted ceiling with calming views to a spacious entertainers deck. Natural light through the many windows warms the main floor.

Hardwood floors in the living/family room and den with ceramic in the entrance and kitchen and washrooms.

Updated powder room with modern sink and light fixture. Main washroom has been updated with glass tiles. Enjoy a spa-like master ensuite with a separate shower and a soaker tub.

Enjoy a blank canvas unfinished basement. Finish with your tastes. Featuring a double car garage. This home also comes with central vacuum system with attachments, and all appliances. Let your children play outside on a child friendly court.

Call me directly for more information at 416 427 1875.

This home sold in less than one day. Perhaps I could show you something else? If you are thinking of selling, let me help.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh Five
Office: 905-828-3434
Direct: 416-427-1875
Email: betty@bettybart.com
Web Site: http://www.bettybart.com

LET ME GIVE YOU A HELPING HAND

Help Me Get to 50 Friends on this Facebook Page; Click and Like me Please

PERSISTENT IN GETTING THINGS DONE!! ALL REFERRALS ARE GREATLY APPRECIATED

this is not intended to solicit buyers or sellers under brokerage contract

Landscaping

2011-05-18T11:38:00.000-07:00

If you want to get more enjoyment from your property, as well as increase its value, try implementing some attractive landscape design ideas. There's no doubt that landscaping can provide you with a lot of enjoyment, both in the process and the final result. Investigate your options, obtain a professional opinion if required, then make your plans.

If you need some other suggestions, feel free to give me a call directly at 416 427 1875. Use my experience and integrity to make a profit in real estate.

Betty Bartusevicius, Sales Representative
Re/Max Reatly Specialists Inc., Brokerage
905 828 3434
betty@bettybart.com
www.bettybart.com

LET ME GIVE YOU A HELPING HAND!!

The Buyers Representation Agreement

2011-05-13T17:19:00.000-07:00

With all the media exposure and all the talk about the Buyers Representation Agreement, the BRA, I thought that I would also add my thoughts and opinions. Do you agree with them? Keep the conversation going and call me directly at 416 427 1875 to discuss.

May 2 Betty's Pic Of The Week Lorne Park

2011-05-03T17:46:00.000-07:00

Lorne Park is located east of Clarkson, south of Erindale, west of Port Credit and the Credit River, and north of Lake Ontario. The area is noted as mainly residential.

My web site is a sought after resource for the weekly postings of available Lorne Park properties. By accessing Betty's Pic of the Week and signing up for the instantly downloadable report, you can receive up to date information of some of the homes that are available in this elegant community.

Here is a list of Homes for Sale in the Lorne Park Community of Mississauga. I will be updating this list on a regular basis, so please feel free to come back several times and see what's new.

Click here to view Properties of Interest

There are more homes but these are the newest listings. There has been a lot of activity in the Lorne Park area. For more information, please call me directly at 416 427 1875.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh Five
Office: 905-828-3434
Direct: 416-427-1875
Email: betty@bettybart.com
Web Site: http://www.bettybart.com

LET ME GIVE YOU A HELPING HAND

Help Me Get to 50 Friends on this Facebook Page; Click and Like me Please

PERSISTENT IN GETTING THINGS DONE!! ALL REFERRALS ARE GREATLY APPRECIATED

this is not intended to solicit buyers or sellers under brokerage contract

Market Evaluation Overview

2011-05-02T11:30:00.000-07:00

How many times has a realtor knocked on your door and asked if you are thinking about participating in the real estate market this year or in the near future?

No matter where you speak to a realtor, an open house or on the telephone, you were probably asked if you would like a FREE MARKET ANALYSIS done on your property.

Well, here's an overview of how a CMA works:

It's YOUR home versus every other comparable property in the immediate area. This is how we, agents, help our sellers establish a realistic Asking Price. Recently SOLD's, Expired, and active listings MUST be taken into account to establish an acceptable price range. This is not the time to test the market. In today's market, you have to take great care in compliling necessary information. I can't remember a time when pricing a home for sale properly and relatively accurately has been this important.

The Active Listing

This is your competition. You should try to out-price your competitors while addressing subtle differences in value between your home and the rest. Listen to your realtor regarding price and comparisons. If possible, visit the competition with your realtor to understand the differences and the adjustments to be made for the proper list price.

Expired Listings

Learn from the mistakes of others. These homes never sold because they were, most likely, overpriced BUT there may have been unseen defects present.

Recently SOLD's

Matching the sold listings as close as possible serves as a good indicator for how your home will perform in the current market.

Personally, I don't include conditional sales as they may not close and I really don't know what the final price will be. I will treat them as For Sale, but in general, I will not include them.

I try to stay within a 3 month period and then narrow down some more by using comparables to a specific map co-ordinate. This keeps my information relevant and up to date.

It is my job to take all of these factors into account in an attempt to find a happy medium. I do not take this lightly. It may be information that the seller does not want to hear. But, rest assured, to all those who are thinking of listing their house, with a professional on the job, I will not steer you in the wrong direction. Remember, the CMA is just another step on the road to something BIG.

Talk to me. there are no pressure tactics. Just straight forward information. Your dicision is the decision I will respect. Give me a call directly at 416 427 1875. Oh, and by the way, my CMA is also FREE.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh Five
Office: 905-828-3434
Direct: 416-427-1875
Email: betty@bettybart.com
Web Site: http://www.bettybart.com

PERSISTENT IN GETTING THINGS DONE!! ALL REFERRALS ARE GREATLY APPRECIATED

this is not intended to solicit buyers or sellers under brokerage contract

Penalties When Breaking A Closed Mortgage

2011-04-07T09:43:00.000-07:00

Why banks want you in fixed rate mortgages

This article in Moneyville in the Toronto Star, is a great piece about the mortgage penalties associated with breaking your closed mortgage, an issue that is very prevalent today. Most clients don’t anticipate the high amounts that they have to pay out in penalties when they decide to refinance or sell their homes, as these numbers are not standardized across the different lenders, nor are these figures disclosed at the time of signing.

Banks have always encouraged clients to go into five year fixed rate mortgage terms, yet the average time a Canadian will stay in a fixed mortgage term is 3.4 years. Now we know why the banks profit billions a year even during recessions and “credit crunches”.

As a homeowner or home buyer, keep the following tips in mind when shopping around for a mortgage or if you are considering refinancing your property:

- Beware of closed or fixed-rate mortgages that will penalize you for leaving early. (Kristian Harris of Monster Mortgage advises a variable-rate or open mortgage).

- If you are adamant about taking a fixed mortgage, consider a 3 year term instead of the bank-promoted 5 year term. The future is uncertain and tying yourself up in such a long commitment can result in big penalties when you decide to break your mortgage.

- Know your numbers! Find out if the rate that you’re being offered is a discounted rate and make sure you are aware of how the Interest Rate Differential (IRD) is calculated.

- Take advantage of your pre-payment options and apply these to your mortgage before it gets discharged.

There are so many questions when applying for a mortgage. Talk to a mortgage agent to find the best mortgage strategies that will reduce the IRD penalty that you will have to pay and get you the right product that will help you pay your mortgage off faster. Your mortgage specialist will take you through the payments and how best to pay off your mortgage in the most efficient manner.

Because you have choices, you need to make sure to get as much information as possible so that you can make an informed decision as to the mortgage that is right for you. Talk to a mortgage specialist. Need a name? Call me directly at 416 427 1875 and I will direct you to a few numbers and you get to choose who will provide you with the best service. Remember, the choice is yours!

Betty Bartusevicius, Sales Representative
RE/MAX Realty Specialists Inc., Brokerage
905 828 3434
Cell: 416-427-1875
Email: betty@bettybart.com
Web Site: http://www.bettybart.com
Fine Homes in Nine Oh Five

LET ME GIVE YOU A HAND
EXPERIENCE IS NOT EXPENSIVE! IT’S PRICELESS!

PERSISTANT IN GETTING THINGS DONE!!! ALL REFERRALS ARE GREATLY APPRECIATED

not intended to solicit buyers or sellers under brokerage contract

Condo Living at 3600 Morning Star, Mississauga

2011-03-25T17:53:00.000-07:00

Welcome to condo living in Malton. Absolutely stunning. A clean complex in a great family-oriented area. Great location near all amenities: school, park, public transit, community centre, shops, recreation centre, and Highways 427/401. Gorgeous end unit - like a semi. Pleasure to show!

Lower Maintenance Fees. A great beginning. Start here in a quiet and established neighbourhood.

Call Betty Bartusevicius directly at 416 427 1875 if you would like more information about this area.

Closing A Real Estate Deal

2011-03-23T11:08:00.000-07:00

Closing a Real Estate deal, these days, is not an easy task. I have been working with clients for a few months now, and we finally found the perfect home. It started in that neighbourhood, we ventured from it, and then we came back.

You may ask, why we ventured, well because the borders for the school were changed, and then changed back after discussions between parents and the school board. This just proves that parents that get involved with their children(s) education can get things done. I kept on top of this information because it was important to my clients.

Now, back to the main story. After about a week of negotiating, we had a deal. There didn't seem to be anything "wrong" with the home. It was only 10 years old. There was a condition of Home Inspection in the Agreement of Purchase and Sale. Now, there is a reason for home inspections. As Realtors, we know what a home inspector will see and what he cannot see. (He is not Mike Holmes because if he takes it apart he will not come back with a crew to correct the problem). The inspector was quite thorough. He did find a few deficiencies in the home. (I have yet to have a home inspection to be performed and NO deficiencies found irregardless of how small. This is true of brand new homes, also)

Well, as you know, the buyers were a little nervous about 2 of the 'problem' areas. Because of these areas, I realized why this home had not sold for such a long time. The Sellers were not going to fix anything. You take the home for the agreed-to price or they will sell it to the next buyer. My buyers truly liked the home but they felt that they were being pressured by the sellers. After a long discussion with my buyers over a period of 2 days, I began my search for someone to assist me making some of the repairs. Of course, I was going to pick up the tab. The deadline for the conditions was coming up.

Fortunately, the repairs that I was going to 'help' with could be estimated from the outside and we did not have to disrupt the lives of the sellers. Two of the contractors came in with very high prices. The best that they could do, but still quite high. Then, on the final day, I had Jason come and take a look. Jason was recommended to me by a colleague of mine. Jason and his father were doing work on another street. Jason, of Green City Windows, was very accommodating and met me very quickly. He provided me with 3 different options for making the repairs AND he gave me a great (and extremely reasonable) price.

We shook hands. I called Mr. Buyer and told him the good news. "I will take care of the 2 issues". He was very excited and told me to come over and he would sign the Waivers.

As a Realtor, I was happy to provide this service to my buyers. When I know that a home and buyer match, I do my utmost to make the deal come together. I had a few sleepless nights worrying on how to help my buyers, but in the end it proves that my perseverance paid off.

I would like to thank Jason Aguiar for his help in closing the deal. If you would like his telephone number or his email address, feel free to contact me directly at 416 427 1875 or email me at betty@bettybart.com. I will highly recommend his company. I'm sure his services could be used by stagers as well.

This is what I do for my "Clients". If you have any questions regarding the difference between a 'client' and a 'customer', I can provide that information to you. If you do not want to sign a Buyer Representation Agreement with me, then you will not benefit from the services I provide.

Let me know how I can help YOU!

Give me, Betty, a call directly at 416 427 1875. Let's sit down and chat. Find out how I can help you in all your real estate matters.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
Office: 950 828 3434
Cell: 416-427-1875
Email: betty@bettybart.com
Web Site: http://www.bettybart.com
Fine Homes in Nine Oh Five

LET ME GIVE YOU A HAND
EXPERIENCE IS NOT EXPENSIVE! IT’S PRICELESS!

PERSISTANT IN GETTING THINGS DONE!!! ALL REFERRALS ARE GREATLY APPRECIATED

not intended to solicit buyers or sellers under brokerage contract

Save On Taxes

2011-03-07T10:23:00.000-08:00

Well, it's Tax Season once again. We all get nervous. Deadlines come and when that last calculation is made, we get upset because we forgot to make contributions to save ourselves some money.

Thanks to John Scholl there is a way to achieve our retirement and other financial goals. John provides financial advise and articles for your information.

Read on and give me your comments:

Uh, oh – you somehow missed the March 1 deadline for RRSP contributions on your 2010 tax return. What to do now to save on taxes and help achieve your retirement and other financial goals? Easy – TFSA yourself. There’s no deadline with a Tax-Free Savings Account (TFSA), it’s a great place to invest your anticipated tax refund, and it’s a tremendously flexible way to achieve tax-free savings growth.

Here’s how it works:
- With TFSA eligible investments, you put your money in and you get your money out at any time for any purpose, tax-free. You can invest in your TFSA eligible investments any time you want, up to your maximum contribution level.
• The current maximum TFSA contribution is $5,000 per person, per year. This means that beginning on January 1, 2011, you were able to contribute another $5,000 to your
investments held within a TFSA in addition to any amounts carried forward from your 2010 limit and any withdrawals made in 2010
• You can make a gift to your spouse to make a TFSA contribution and transfer your TFSA assets to your spouse upon death.
• With investments held within a RRSP, you get a tax deduction for your contributions but all withdrawals are taxable. With TFSA - eligible investments, there is no tax deduction for your contributions but you do not pay tax on investment growth or withdrawals. All TFSA investment earnings are totally tax-free and will not trigger claw backs on federal tax credits or benefits programs such as the Guaranteed Income Supplement, Old Age Security Benefits, Age Credit, GST Tax Credit or Canada Child Tax Benefit.
• There are no age restrictions on a TFSA and there is no limit on how much contribution room you can carry forward – fill it up any time you want. TFSAs – can’t touch this!!! Well, actually you can and that’s what makes TFSAs such a flexible investment choice:
• Say you need $15,000 for a down payment on a vacation property. Just make a $15,000 tax-free withdrawal from your TFSA eligible investments.
• You can re-contribute the $15,000 after January 1 of the year following the withdrawal without affecting your other eligible contribution room.
• If you had taken that $15,000 out of your RRSP eligible investments, you would have needed to withdraw up to $27,800 to pay taxes (assuming a 46 per cent marginal rate) and come up with the $15,000 needed for your down payment – and you would have lost that RRSP contribution room.

Deadlines, schmedlines – a TFSA can work for you any time of the year. Ask your professional advisor about how to maximize your TFSA … and all your other investment strategies.

Well, any questions? Call a Financial Expert. Call John Scholl. His contact information is listed below.

John Scholl, CLU (Chartered Life Underwriter),CGA, B. Mathematics, Financial Consultant - Investors Group Financial Services Inc.
& Investors Group Insurances Services Inc.
Wealth Management & Financial Planning
Phone: (905) 450-2891 X529 Toll Free: 1 (866) 799-2223 x529 Cell (416) 731-3660 Fax: (905) 450-9747

If you would like to contact me first, call me, Betty Bartusevicius directly at 416 427 1875. I can help you make that home purchase a reality.

Avoid Uncontrolable Debt

2011-03-05T18:26:00.000-08:00

This article should be useful to many of us. Thank you to Kristian Harris of Monster Mortgage for this information.

How many credit card offers do you think you received in the mail this past month? Each one is a new opportunity to get farther into debt, hand over HUGE interest payments, and never get any closer to financial security. Just take a look at this article by Rob Carrick in the Globe and Mail.

Here are six facts that can help you avoid uncontrollable debt!

FACT ONE: Debt is out of control!

The next time you’re flattered by a PRE-APPROVED card you receive in the mail, stop and think who’s benefiting when you use it. Do you really need another way to spend money you haven’t yet earned? NO!!! The next time you’re offered a new credit card, just say NO. And say YES to directing more of that money you would have paid paying double digit interest towards paying down your mortgage!!

FACT TWO: Fine print is small because they don’t want you to read it.

It’s called “fine” print because it makes credit card companies feel “fine”, and it’s like paying a “fine” for not reading the details. If an offer sounds too good to be true, get out your magnifying glass and you’ll usually find the painful truth in the fine print.

FACT THREE: The loan with the term that stretches into infinity.

Credit cards are open-ended or revolving loans with obscene interest rates. And what’s worse, they encourage you to make minimum payments that are so low, they barely cover the interest charges.

FACT FOUR: It’s called “minimum” payment for a reason.

Minimum payments are deliberately set so low, they’re virtually the same as “interest only” payments. Making smaller payments isn’t going to get you out of debt faster. What you need is a financial strategy that will free up enough cash to make bigger payments so you can get out of debt once and for all.

FACT FIVE: A fee for every occasion.

When you’re shopping for a credit card, maybe you’re just considering the interest rate and annual fee. But if you check the “summary box” on your contract, you may find a list of EXTRA FEES that can make your low-rate, no-annual-fee card much more expensive.

FACT SIX: Surprise! We just increased your interest rate!

Credit card companies now have to give advance disclosure of interest rate increases, even if this information is already in the credit contract—so it’s important to pay attention to the notices they send you. Some cards will automatically raise your interest rate if you’re late with a payment or have too much outstanding debt on ANY of your credit cards or loans.

Posted by Roy Cocciollo of Monster Mortgage Take steps to free yourself from debt addiction today and to become mortgage free faster!

The first step is to talk to a professional, like your mortgage agent to review your personal financial situation and review your credit with an annual credit check-up. Yearly reviews like these are beneficial in assessing your beacon score (used to determine your credit rating/score) and aid you in maintaining or improving your credit, especially when it comes time to purchase a home and to qualify for the best mortgage rates and offers out there.

There are also other options available to you, such as refinancing your home to consolidate your high-interest debts by accessing the equity from your home and adding that debt to your mortgage, all while paying a much lower interest rate. With refinancing, you can pay less bills monthly and avoid 18% credit card interest rates.

Now, if you would like to discuss any of the above article, let me set it up for you. There are so many options to protect your financial future and also to help you buy a home.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh Five
Office: 905-828-3434
Direct: 416-427-1875
Email: betty@bettybart.comWeb Site: http://www.bettybart.com

LET ME GIVE YOU A HELPING HAND
EXPERIENCE IS NOT EXPENSIVE; IT'S PRICELESS!

this is not intended to solicit buyers or sellers under brokerage contract

RRSP Loans, Financial Planning

2011-02-01T18:24:00.000-08:00

Have you ever asked yourself, "When does it make sense to borrow for your RRSP"? Well, here are some points and ideas that might give you some answers. Thank you John Scholl for, yet, another great article about our financial health.

Loans are a part of life for most Canadians. We take out loans to pay for our cars and our homes, for vacations, furniture and TVs. And, at this time of year, as the deadline for making your 2010 Registered Retirement Savings Plan (RRSP) contribution looms, you may be asking yourself if it makes sense to make one more loan – a loan to increase your RRSP contribution.

The right answer for you depends on the overall shape of your financial life. Let’s look at the factors you should consider.

Makes sense to borrow:

 Because contributing to your RRSP can pay off in two ways: First, you’ll increase the size of your tax refund; second, you’ll have more tax-deferred money growing inside your retirement plan. But the first rule is this: The loan must fit your budget.
 When you intend to pay off the loan within a year. Remember: Interest on an RRSP loan is not tax-deductible. Consider a series a smaller RRSP loans with payments within your budget. Longer term loans are more suitable for purchasing non-registered investments (when the interest is tax deductible).
 When size of the loan maximizes tax savings. Tax rates rise with income. More tax can often be saved by spreading RRSP deductions over more than one year. While contributions made in one year can be deducted in a future year, it does not always make sense to borrow to make an RRSP contribution if it will take several years to fully utilize the deduction. Again a series of smaller loans may produce the better financial result.
 When you use your tax refund to pay off the loan as quickly as possible. Or maybe not …
 If you expect to be taxed at, or near, the lowest marginal rate over time. In that case, you won’t get the full tax-reduction benefit of making your maximum RRSP contribution, so the cost of taking out an RRSP loan doesn’t make sense. Instead, you might want to consider contributing to a Tax-free Savings Account (TFSA). The contribution isn’t tax deductible but money and interest inside a TFSA is tax-free and, unlike your RRSP, so are withdrawals, which can be made at any time for any purpose.
 If your increased RRSP refund is already earmarked, in whole or in part, to pay taxes you owe on other income.
 If you are unsure your income level will allow you to meet your RRSP loan obligations, which you will be required to do regardless of your income level and the performance of your RRSP in the shorter term.

Borrowing to increase your RRSP contribution can be a useful strategy but it also comes with specific risks. Perhaps you can avoid the need to borrow next year through a Pre-Authorized Contribution (PAC) plan that automatically deducts and saves any amount you want from your regular paycheques.

And, of course, your professional advisor can help you map out the RRSP contribution strategy that fits the overall shape of your financial life.

The above article is provided to you compliments of:

John Scholl , CLU (Chartered Life Underwriter),CGA, B. Mathematics, Financial Consultant - Investors Group Financial Services Inc. & Investors Group Insurances Services Inc.
Phone: (905) 450-2891 X529 Toll Free: 1 (866) 799-2223 x529 Cell (416) 731-3660

I hope this helps with some decision making regarding RRSP Loans. If you need more questions answered, John will be able to provide you with answers and guide you further.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
905 828 3434
Directly: 416 427 1875
Email: betty@bettybart.com
Web Site: www.bettybart.com

Experience is not expensive! It's priceless!!

Mississauga Home For Sale, Sherwood Forrest

2011-01-27T16:35:00.000-08:00

Join me at the Open House that I will be hosting at 1886 Will Scarlett Drive in the prestigious neighbourhood of Sherwood Forrest. I will have the welcome mat out on Saturday the 29th of January between the hours of 2:00 p.m. to 4:00 p.m. Come see what this home and neighbourhood has to offer.

Welcome to 1886 Will Scarlett Drive in Mississauga. A rare ranch-style bungalow in the exclusive neighbourhood of Sherwood Forrest. This home is located on one of the most sought-after streets with million dollar plus homes. Enjoy a sprawling lot of 100 X 125 Feet with towering trees, an inground pool and thousands spent on professionally landscaped gardens. Recent upgrades - with over $35,000 spent on new windows, a new furnace, A/C, and eaves. Beautiful hardwood floors and California shutters galore on the main level. Beautiful crown moulding in the living, dining and kitchen areas.

For more pictures of this lovely home click here

Also in this home you will find a renovated main bath with a Jacuzzi Tub. A professionally finished basement with a 3 - piece bath and wet bar. A family sized kitchen with built-in appliances, a breakfast area, and a walkout to a sunroom.

For more information about this home or the Sherwood Forrest neighbourhood, feel free to contact me directly at 416 427 1875.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh Five
Office: 905-828-3434
Direct: 416-427-1875
Email: betty@bettybart.com
Web Site: http://www.bettybart.com
EXPERIENCE IS NOT EXPENSIVE; IT'S PRICELESS!

Help Me Get to 50 Friends on this Facebook Page; Click and Like me Please

DON'T KEEP ME A SECRET!! ALL REFERRALS ARE GREATLY APPRECIATED

this is not intended to solicit buyers or sellers under brokerage contract

Home For Sale In Lorne Park, Mississauga

2011-01-20T17:15:00.000-08:00

Welcome to 1849 Indian Road in the Lorne Park neighbourhood of Mississauga. A stunning home with over $280,000 spent in upgrades!! A newly renovated custom gourmet kitchen with a centre island and Granite countertops. Hardwood floors shine throughout the main floor. Open-concept kitchen combined with the family room and a walkout to a huge yard. Master retreat with a double sided fireplace. The ensuite includes a Jacuzzi Tub with a separate shower! Beautifully finsihed basement gives you extra living space. Come and take a look. I'm only a phone call away. Call me directly at 416 427 1875 and let me make the arrangement.

For more pictures click here

Also included is a stainless steel fridge, stove, clothes washer and dryer, berber broadloom where laid,Hwt(R, Alarm(to be arranged), humidifier, all electric light fixtures, Pot Lights, 1 garage door opener, central air conditioner, all window coverings.

Everything has been done from top to bottom! New Furnace, central air conditioner, ductwork, all new electrical, insulation, windows, and roof!

Great home!!

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh Five
Office: 905-828-3434
Direct: 416-427-1875
Email: betty@bettybart.com
Web Site: http://www.bettybart.com

EXPERIENCE IS NOT EXPENSIVE; IT'S PRICELESS!

Help Me Get to 50 Friends on this Facebook Page; Click and Like me Please

PSST: IF YOU KNOW SOMEONE WHO IS THINKING OF BUYING OR SELLING A HOME AND NEEDS MY HELP...FEEL FREE TO PASS ALONG MY NAME AND NUMBER TO THEM! ALL INTRODUCTIONS ARE GREATLY APPRECIATED

this is not intended to solicit buyers or sellers under brokerage contract

Managing Your Money, New Year's Resolution

2011-01-04T10:38:00.000-08:00

What a great way to start off a New Year and a New Decade. Great advice from John Schull on managing your money. Make it a resolutaion that 'you can take to the bank'. At least read this article and possibly take some advice from it and follow it through. I have included John's contact information below. Let me get my team in action to get you started. Call John and listen to what he has to say. It can't hurt.

Managing your Money

Canadians everywhere have made New Year’s promises to themselves. Big promises (I resolve to quit smoking.) and not-so-big-promises (I resolve to call my aunt more often.). But here’s one promise you should make and never break: “I resolve to be financially secure.” And here are ten simple ways to make that happen:

1. Budget better
Look carefully at your income and expenses -- then set a realistic budget that includes savings.

2. Defeat debt
Keep that high-interest credit card in your pocket – or better yet, cut it into little pieces. Credit card debt is very expensive. Stay on top of your debt by paying off high interest and non-deductible debt first. Do you have mortgage insurance …. Wrong…Get quotes on a personal insurance policy instead.. it’s cheaper and your survivor is the beneficiary, not the bank.

3. Set goals
Make sure your lifestyle expectations match – and don’t exceed – your income. Be sure to set aside enough regularly to reach your goals.

4. Register yourself
Investments held within a Tax-Free Savings Account (TFSA) allows for tax-free income and an RRSP is a terrific tax-deferred savings builder. Start early, make your maximum yearly contributions and you’ll save on tax and enjoy years of tax-free growth in a TFSA and tax-sheltered compound growth in a RRSP.

5. Trim taxes
There are lots of tax deductions and tax credits – be sure you take full advantage of every one that applies to you.

6. Invest efficiently
Interest income is taxed significantly higher than dividends or capital gains – so it’s usually better to hold investments earning interest income in a TFSA or a tax-deferred RRSP and those that earn dividends or attract capital gains in your nonregistered portfolio.

7. Invest in your child’s future
A post-secondary education is expensive but necessary. Help your kids pay for it by starting a tax-deferred, compound growth Registered Education Savings Plan (RESP) eligible investments now!

8. Insure change
Your life is always changing in one way or another – that means your need for income protection and estate planning are changing, too. Be sure your insurance coverage keeps pace.

9. Assist your assets
Good asset allocation is vital to good long-term investment growth. Get steadier returns over time with the right balance of assets from the three asset categories – cash, fixed-income investments and equities.

10. Wrap it all in a plan
The tenth step to financial security is to wrap the other nine steps in a comprehensive financial plan that will get you where you want to go. Achieving financial security – now, that is a resolution you can take to the bank. Your professional advisor can help you get there.

John Scholl , CLU (Chartered Life Underwriter),CGA, B. Mathematics, Financial Consultant - Investors Group Financial Services Inc.
& Investors Group Insurances Services Inc.

Thank you John for a great article and sound advice.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
905 828 3434
Directly 416 427 1875
betty@bettybart.com
bettybart.com

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Hello To The New Year

2011-01-02T13:13:00.000-08:00

New Year's Eve has been known as the biggest party night of the year. It completes one of the best holiday seasons for all. It's the absolute last chance to celebrate and entire year and welcome in a new one.

Some celebrations are a large public affair, as the Toronto City Hall party and this year, at Celebration Square in Mississauga. Others, get together with dear friends and family in an intimate affair sharing a dinner and possibly a toast to the year that was. Others, go for a skate at a public park and take the chill out of their bones with a hot chocolate.

New Year's Eve, we say goodbye to an old friend and hello to a new one.
Wishing all the best of health, prosperity, happiness, and contentment in 2011. Those that I have met and have allowed me in their family circle, thank you for a great experience. I also look forward to those that I am about to meet.

I look forward to guiding you towards home ownership.

Happy New Year to All

Betty Bartusevicius,Sales Representative
Accredited Senior Agent
Re/Max Realty Specialists Inc., Brokerage
905 828 3434
Direct: 416 427 1875
betty@bettybart.com
bettybart.com

Do you know of someone who needs my guidance? Pass along my contact information or let me know on whose door I should be knocking.

Skate In A Park

2010-12-13T11:26:00.001-08:00

Just a reminder from the City of Toronto: Jim Melvin, PMA Architects, that this skating park is now open for business.

It is Toronto's first skating trail at Colonel Sam Smith Park at the bottom of Kipling that is totally dedicated to leisure skating. A 250 - metre figure - eight loop runs through parkland that has been planted with native trees that will eventually grow to provide a natural environment.

The Trail features:

- the power hosue containing indoor change facility and washrooms.
- a small skating circle for beginners
- a 250-metre loop of artificial ice
- a small pond to filter water runoff from snow and rain and serve as a naturalized wet land to attract birds, turtles and frogs
- lighting system throughout trail with speakers for state of the art sound system located in the power house
- hundreds of native trees such as Norway spruce and white cedars as well as numerous types of berry trees to attract birds. The area is a glyway for migratory birds.

Now, how exciting is this!! Because our winters a little long, let us embrace it and go skating. Outdoor skating is such fun. All you need to do is bring your skates and away you go. There should be enough room for all,.

Maybe I'll see you there one day. I'll be the lady trying to keep skating because I don't know how to stop.

Compliments of Betty Bartusevicius
Fine Homes in 905

Happy Holidays

2010-12-12T16:52:00.000-08:00

I would like to wish all of you the safest holiday season. Enjoy being with your families, loved ones, and friends. I would like to thank all who have enriched my life by just letting me inside their family circle, even for a short while, and allowed me to fulfill their dream of owning a new home. If I helped you sell your existing house, I certainly hope that you were satisfied with my services.

Happy Holidays to All

I look forward to being of further assistance to you and and I hope that you consider introducing me to those who are considering making a real estate move in the coming year. It will be a start to a new decade and I can't wait to see what 2011 will bring to us all.

Have a Safe and Happy Holiday Season

Betty

--

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh Five
Office: 905-828-3434
Direct: 416-427-1875
Email: http://www.bettybart.com/AgentProfile/contactme.cfm
Web Site: http://www.bettybart.com

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PSST: IF YOU KNOW SOMEONE WHO IS THINKING OF BUYING OR SELLING A HOME AND NEEDS MY HELP...FEEL FREE TO PASS ALONG MY NAME AND NUMBER TO THEM! ALL INTRODUCTIONS ARE GREATLY APPRECIATED

this is not intended to solicit buyers or sellers under brokerage contract

Re/Max Housing Outlook for 2011

2010-12-07T18:03:00.000-08:00

The following article was provided to me by Michael Polzler, Regional Director, RE/MAX Ontario-Atlantic Canada. Enjoy the article.

Residential values expected to climb further in 2011 as housing sales stabilize in most major centres, says RE/MAX

Mississauga, ON (December 7, 2010) - Although improved economic fundamentals will have a positive impact on Canadian housing markets moving forward, the forecast for residential real estate sales remains static in most major centres in 2011, according to the RE/MAX Housing Market Outlook Report released today by RE/MAX.

"In terms of resale housing activity, what many are talking about as the new normal is actually a return to the traditional real estate cycle," says Michael Polzler, Executive Vice President, Regional Director, RE/MAX Ontario-Atlantic Canada. "The past decade was truly unprecedented - never before have we experienced a run up that was as strong or lasted as long. As we have digressed from the typical pattern, people have forgotten what the usual healthy cycle looks like, but all the hallmarks are there. Ample inventory levels, steady demand, and moderate growth, both in terms of sales and prices, will characterize the market in 2011. While the pace may appear lackluster in comparison to what we've grown accustomed to, it underscores the principles of real estate 101: The market is cyclical. All boats rise and fall with the tide."

Take a look at the Market Watch and you can do some comparing of the market in the past few years. All is available for you to read, or give me a call to discuss further. The market is cyclical. It goes up, prices get adjusted, interest rates go up and down. The Bank of Canada rate has been pretty steady, but that never guarantees that the individual banks will not raise their rates. The Bank of Canada has said that they will not be raising interest rates in the near future and it is possible that they may re-adjust slightly down if the US market still remains slow in recovery at the beginning of 2011.

Don't kid yourselves, homes are selling. They are selling quickly. It is more important than ever to price your property correctly in order to get it sold. If you're just testing the market, you're making a mistake. I don't believe that this is the time. Be serious and it will fall your way.

2011 is going to be an exciting year. Many changes in the real estate market. There are so many predictions. To discuss any concerns that you may have, feel free to give me, Betty, a call directly at 416 427 1875. Let's keep this line of communication open.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh Five
Office: 905-828-3434
Direct: 416-427-1875
Email:betty@bettybart.com
Web Site: http://www.bettybart.com

Help Me Get to 150 Friends on this Facebook Page; Click and Like me Please

PSST: IF YOU KNOW SOMEONE WHO IS THINKING OF BUYING OR SELLING A HOME AND NEEDS MY HELP...FEEL FREE TO PASS ALONG MY NAME AND NUMBER TO THEM! ALL INTRODUCTIONS ARE GREATLY APPRECIATED

this is not intended to solicit buyers or sellers under brokerage contract

Improve Your Credit Score, Mississauga Homes For Sale

2010-12-02T18:08:00.000-08:00

Over the last few months, I have been gathering information about Credit Scores. The conversation comes up quite often now that I have children that have graduated, or are close to doing so, and are heading out into the working world. I have chatted with brokers on how to maintain a good credit score. I have suggested to my clients about how to repair their credit scores.

I have had clients that have had a poor credit score. With proper guidance from a financial expert, the credit scores have been improved and the final result was the purchase of a home.

Many clients are very concerned about what they don't understand...CREDIT SCORES! Here are some tips to help improve your clients credit scores:

1. Know your score. The score range in Canada is 300 to 900 – the higher the better – and reflects a person’s credit history over the past six years. Only 5 per cent of Canadians have a score of 850 or better. Checking your score periodically can alert you to mistakes as well as credit fraud.

2. Pay your bills on time. Making a credit card payment even one day late will hurt your score. If you’re paying online, send the payment at least three banking days before it’s due to allow enough time for the transaction to be processed. Setting up a small automatic payment to your card issuer each month will ensure you never forget to pay at least the minimum.

3. Never exceed your credit limit. If you’re close to being maxed out, make sure you pay more than the minimum or the interest due could push you over your limit. Going even $5 over your limit could lead to a costly fee from your credit card company and will hurt your score each month it happens.

4. Don’t apply for store credit cards. Even if you’re just after a one-time discount for signing up, these cards, with interest rates as high as 29 per cent, are viewed negatively by the credit bureau and drag down your score.

5. Spread out your spending. The percentage of available credit you’re using each month affects your score, so it’s better to have two charge cards at 50-per-cent capacity each than one that is maxed out.

6. Prioritize your payments. Important as they are, mortgage payments generally are not reported on Canadian credit reports, so it’s more important to make your credit card, loan and lease payments on time.

7. Beware of closing accounts. Even if you’re in a dispute with a lender, make your payments. A missed payment will show up on your credit report, can really hurt your score and is very hard to fix. When closing an account, get it in writing that it was closed with a zero balance.

8. Don’t close unused credit cards. If you have a low-interest card you don’t use, keep it open and use it periodically. Having a zero-balance credit card actually helps to improve a low score.

9. Don’t apply for too much credit at once. Don’t lease a car, sign up for a new cellphone and apply for a loan all in the same month or two. The credit bureau sees this as a sign of financial trouble. Beware, also, of being preapproved by several lenders before you’re ready to buy. Although you can check your own credit rating without penalty, preapprovals from lenders count against your score.

These are just a few points. If you have any further questions, let me get my team in motion to get you the right answers and on your way to your desired results. If you have any questions or would like to discuss how I can help, feel free to call me directly at 416 427 1875.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh Five
Office: 905-828-3434
Direct: 416-427-1875
Email: betty@bettybart.com
Web Site: http://www.bettybart.com

EXPERIENCE IS NOT EXPENSIVE; IT'S PRICELESS!

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Mortgages

2010-12-01T08:37:00.001-08:00

Mortgages, mortgage rates, and interest rates have been on our minds lately. In order to be comfortable in purchasing a home, these topics become extremely important. The following article may explain some information that may help in the decision process of mortgage choices and payment plans to pay it off faster. I have now gone beyond being 'approved' for a mortgage and am asking my buyers to get a 'Letter of Commitment' from your lender.

Posted by Jason Reis of Monster Mortgage

"Most people who go shopping for their own mortgage get sucked into the bank's "low rate game". They think, "as long as I can get the lowest interest rate from my bank, I will be able to pay off my mortgage sooner rather than later." As we have seen time and time again, people who play this game ALWAYS LOSE! Rarely do they walk away with the best mortgage rate, terms and conditions that will allow them to be mortgage free faster so they can contribute to their bottom line and not their bank's.

At MonsterMortgage.ca, I have worked with many individuals and their families to help them understand how a mortgage is much more than just a low fixed or variable mortgage rate. In most cases, the cheapest and lowest rate almost always comes short of the necessary features and flexibility you need to make sure your mortgage plan helps you pay down your mortgage faster. This is when the old adage “you get what you pay for” applies to your mortgage as well.

If you want to be mortgage-free faster, it is extremely important to understand what the pre-payment privileges attached to your mortgage are and the restrictions and flexibility that surround them. The pre-payment option in a mortgage is the only way you can pay down the principal of your closed mortgage without being charged a penalty. Terms such as “locked-in”, “closed” and “pre-payment penalty” are found throughout the mortgage documentation and we understand how this terminology makes it difficult for anyone to believe there is any flexibility when attaining a mortgage that is right for you. This is no accident as your bank DOES NOT want you to pay off your mortgage faster. Remember, the longer you take to pay down your mortgage, the more money your bank makes!

The fact and reality is that all mortgages will offer some sort of option to pay down your principal, but it is understanding the parameters offered that will make all the difference. The pre-payment option will encompass two methods of paying down your mortgage principal; 1. the ability of increasing your regular payment up to a specified maximum of your original payment amount and 2. applying a lump sum payment amount onto the mortgage up to a specified maximum of your original mortgage balance each year. Both options will vary depending on the lender as to what the parameters of frequency are and what the maximum percentage is set at. The percentages can range from as low as 5% to as high as 25% for each method and can really dictate the remaining life of the mortgage.

This is where an unbiased mortgage agent can be of most value as we can scan and understand all lenders products, not just one bank’s, so we can find you the most suitable mortgage product with the terms and conditions that works best for you, not the bank."

Thank you, Jason.

For further information or to connect with a Monster Mortgage Specialist, feel free to contact me directly at 416 427 1875. Let's get the process started to help you towards the purchase of a home.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh Five
Office: 905-828-3434
Direct: 416-427-1875
Email: betty@bettybart.com
Web Site: http://www.bettybart.com

Help Me Get to 150 Friends on this Facebook Page; Click and Like me Please

PSST: IF YOU KNOW SOMEONE WHO IS THINKING OF BUYING OR SELLING A HOME AND NEEDS MY HELP...FEEL FREE TO PASS ALONG MY NAME AND NUMBER TO THEM! ALL INTRODUCTIONS ARE GREATLY APPRECIATED

this is not intended to solicit buyers or sellers under brokerage contract

Money Management - Portfolio Check Up

2010-11-29T17:36:00.000-08:00

As we get closer to the end of 2010, it's time to think about the changes that we will be making with our finances and investments. What a great time to talk to John Scholl to discuss our options.

Here is another article that John is sharing with us:

Your personal health is important to you. That’s why you have periodic check-ups, follow your doctor’s recommendations on diet and exercise, and take your medications. Your financial life is also important to you. That’s why you should periodically perform a portfolio check-up and follow this prescription for maintaining its health.

Why a check-up?

For two very good reasons:
1) the value of each investment in your portfolio will change over time as a result of fluctuations in its market value. By periodically rebalancing your portfolio, you’ll get it back on track to reaching your financial goals.
2) your financial situation and goals change over time – and that means your portfolio probably needs to be revamped to meet your evolving needs.When to check-up?

You get statements from your bank, mutual fund investments, registered plans, stock purchases and sales, and your other investments. Review them at least every three months to compare your current returns against your longer-term goals and overall financial plan and if you’re off-track, make changes. Your prescription for portfolio health.

Here are a few important strategies for successful investing:
- Follow a planned asset allocation strategy by constructing – and, very importantly, maintaining – a portfolio with a mix of investments across the three principal types of financial assets (cash, fixed-income vehicles and equities) that balance risk, create diversification, and will deliver the long-term returns you need to reach your financial goals.
- Diversification is always the right way to go – even to the point of looking beyond Canadian markets. International markets don’t always follow Canadian or U.S. patterns. By adding foreign investments to your portfolio, you can lessen volatility and add the opportunity for enhanced returns.
- Balance is the key. Experts and study after study agree that a balanced portfolio strategy is best over the longer term. Avoid chasing ‘winners’ and quickly dumping ‘losers’. If you do that, your portfolio is bound to become seriously unbalanced.
- Rebalance to match your tolerance for risk. Your optimal asset mix depends on your age, income expectations, retirement dreams and much more – and it should contain investments that allow you to sleep comfortably at night. When the mix is right for you, you are not overly concerned about volatility or which asset class is performing or not performing at any particular time.

Your financial plan is not written in stone; it’s a reflection of your changing life. A professional planner can help you perform a portfolio check-up that maintains your financial health.

John Scholl, CLU (Chartered Life Underwriter),CGA, B. Mathematics, Financial Consultant
Investors Group Financial Services Inc. & Investors Group Insurances Services Inc.
Phone: (905) 450-2891 X529

The above connection is compliments of:
Betty Bartusevicius, Sales Representative
RE/MAX Realty Specialists Inc., Brokerage
905 828 3434
Directly: 416 427 1875
EMAIL; betty@bettybart.com

905 Specialist

2010-11-22T17:19:00.000-08:00

What makes someone your neighbourhood specialist? I am a specialist in the 905 area, but not the entire 905. In my experience in real estate sales, I have concentrated my energy to see every available home that is possible for me to see and compare. So in reality I need to concentrate and specialize on specific communities within the 905. This gives me the time to do extensive research on these particular neighbourhoods so that I can best serve both buyers and sellers with information about a community and the people. Viewing potential homes outside my comfort zone, will not help my Buyer clients.

I concentrate in Mississauga, in particular Lorne Park, Port Credit, Churchill Meadows, Credit Mills, Sheridan Homelands, Sherwood Forrest, Clarkson, Rattray Marsh, Levi Creek, Meadowvale. Oakville is also across the road. The neighbourhoods here are Joshuas Creek, West Oak Trails, Bronte, Iroquois Ridge, Old Oakville, to name but a few.

I believe selling or buying your home can be a satisfying experience and I have the perseverance, negotiating skills and ability to listen, to make that happen. When you allow me to assist you in your real estate endeavours, you will receive the highest level of professionalism and service. No gimmicks, no high pressure sales tactics - just a quick, efficient and profitable experience in purchasing your dream home or in selling your existing house.

I can provide you with access to some of the finest Mississauga and Oakville real estate on the market today. Some of these homes are featured on Betty's Pic of the Week that is updated on a regular basis. Take a look at the Watercolours update that I provide twice a month with ALL activity in that prestigious neighbourhood. Condo living, waterfront properties and properties of luxury are all there for you to see.

With the resources on my website and the commitment and experience that I provide, the process of finding your dream home becomes more streamlined and straightforward. Let me provide you with a personal touch that has been slowly disappearing. I have improved my technical skills, but I haven't forgotten about the human touch.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
Fine Homes in 905
905 828 3434
416 427 1875
betty@bettybart.com
bettybart.com

Condo Living in Mississauga

2010-11-18T06:51:00.000-08:00

Don't miss this opportunity to purchase a unit at 880 Dundas Street West in Mississauga. This sun soaked Unit in The Kingsmere On The Park has just had a makeover. New flooring was laid in the kitchen, living room, and foyer. The unit has just been freshly painted with a great neutral color. Floor to ceiling windows gives you maximum light and gorgeous views. Fantastic location. Mississauga Public Transit has a stop in front of building with direct access to the TTC. Walk to the grocery store.
Nothing for you to do, except move in and enjoy the sun and your views.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh Five
Office: 905-828-3434
Fax: 905-828-2829
Direct: 416-427-1875
Email: betty@bettybart.com
Web Site: http://www.bettybart.com

Help Me Get to 150 Friends on this Facebook Page; Click and Like me Please

PSST: IF YOU KNOW SOMEONE WHO IS THINKING OF BUYING OR SELLING A HOME AND NEEDS MY HELP...FEEL FREE TO PASS ALONG MY NAME AND NUMBER TO THEM! ALL INTRODUCTIONS ARE GREATLY APPRECIATED

this is not intended to solicit buyers or sellers under brokerage contract

My First Raptor Game of The Season

2010-11-11T17:51:00.000-08:00

Well, I finally went to my first Raptor game the other night. I took a few hours off and my hubby and I went on a date!! I knew what I was getting into as the Toronto Raptors do not have a great record this year, and most nay-sayers are predicting even a worse season than when they started.

I was more disappointed with the condition of the centre. Hubby is very fortunate to score a couple of seats at least to one game a season. (In previous years, one of the kids went with him). I remember going and the place at least looked clean. I looked at the condition of the seats and they are well worn and torn. There was garbage on the floors - peanut shells, empty cups, etc. I was under the assumption that this place got, at the very least, swept after every game. I guess when you assume.... The number of fans was not great. Taking a walk at half time used to be a chore. But, you would bump into people you don't see very often. Most are fans of the game, as we are. This time, however, we walked freely. There were NO lines for beer drinkers (I don't think it's because there were no drinkers there).

The Raptors lost :( That's okay. We did enjoy a lively attempt at a comeback in the fourth quarter. We left with about 45 seconds remaining in the game. We didn't want to fight the 'BIG' crowds leaving.

I'm looking forward to the next game.

Betty Bartusevicius
Fine Homes in 905

Mortgages: Bank vs Mortgage Broker

2010-11-01T05:37:00.001-07:00

When meeting with a client for the first time, I try to gather as much information about the buyers as I can while keeping the buyers as comfortable as possible. We have to discuss finances. Not a comfortable subject when you don't know eachother. It is very important to get your finances in order as you start your journey into home purchase. The more information that you can gather, the easier your journey will become. One of the mortgage broker's that I have recommended in the past has provided some information that might be useful to you. Read on and make your own conclusions.

What your bank does not want you to know

A lot of clients come to us with a familiar situation: Two, three or four years ago they were tempted by what seemed like reasonable rates to lock into a 5 year mortgage. Now, needing to break their mortgage - to pay out some debts, renovate, and so on - they are presented with a penalty that seems to bear no relation to reality, a penalty sometimes running $5,000, $10,000 or more. The primary reason for these high penalties is the use of “posted rates” by the banks. It sounds great to get a large discount from these bank posted rates until you realize that when you break your mortgage, they will come into play again, this time in reverse. Banks will calculate your mortgage penalty as if they had given you the higher, posted rate, and that high rate makes for the excessive penalty you pay.

To deal with this penalty, banks typically present clients with a few options: clients can break the mortgage and pay the penalty and start again with a new term at today’s rates, or they can accept a ‘blended’ rate which extends their mortgage back out to 5 years at a rate that combines their current mortgage with the going market rate for a 5 year term. No penalty needs to be paid up front because the fee is buried in the new ‘blended’ rate.

So clients are tempted with the same offer: rates that seem reasonable, and the possibility of locking those low rates in for another 5 years. The conversation your bank doesn’t want to have with you is the one that outlines what your new penalty will look like down the road if you need to break your mortgage again. Which, statistically, you will probably want to do. Remember, before signing on the dotted line...GET THE FACTS YOUR BANK WON’T TELL YOU.

What you should know

So what is the right thing to do in this situation? The short and easy answer is that if the cost of breaking your mortgage, (including any associated costs like discharge fees and legal fees) is less than what you will save over the remaining length of your current term, then it is advisable to break your mortgage and reap the benefits. Even with high penalties that sound extravagant, we have helped clients save thousands of dollars breaking their mortgages.

Beware of the temptation to lock back into a 5 year mortgage with your current lender. After all, if you are considering breaking your mortgage before your term is up, you are just doing what the banks know their customers will do: most Canadians will not see their mortgage through to the end of their 5 year terms. So why, knowing this, would the banks recommend that their clients lock in to 5 year fixed rate mortgages? Because the bank will get its money whether you pay them faithfully for 5 years, or whether you pay them a penalty after 3.

We do things differently. MonsterMortgage.ca will assess your personal situation to uncover the most suitable lender and product so that you get the mortgage rate, terms and conditions that are right for you...and NOT YOUR BANK!! And because many of the over twenty lenders that we recommend our clients use do not use posted rates, if locking in at today’s historically low rates is the right strategy for you then you can avoid a harsh penalty should you need to break your mortgage down the road. By opting for variable mortgages, or a shorter fixed term mortgage, many of our clients avoid these large penalties altogether.

So the question is, why do many people lock back in to a term they probably won’t complete? Habit I guess, and a history of the banks selling you advice that contributes to their bottom line and not yours. We are all creatures of habit. Call me today and break your bank habit. We will review your mortgage and present you with a strategy that helps you pay down your mortgage faster.

Compliments of:
Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
OFFICE: 905 828 3434
DIRECT: 416 427 1875
EMAIL; betty@bettybart.com
WEB SITE: www.bettybart.com

not intended to solicit buyers or sellers under brokerage contract

Managing Your Money, Financial Planning

2010-10-28T11:24:00.000-07:00

Here is another article to give you some help in planning your financial future. It's never too late. John gives some sound advice. Some of us didn't start planning early enough, but now, with the availability of advice, we can get going and get our children involved so that they can be more prepared for the future.

Financial Planning Pays Off

Value – according to a pair of long-term, in depth studies by two of the country’s leading professional standards and investment organizations, that’s exactly what Canadians get when they engage in thorough financial planning with a professional advisor. Value that pays off in the twin benefits of financial and emotional wellbeing.

The Value of Financial Planning -- a comprehensive five-year research study by the Financial Planning Standards Counsel (FPSC) -- delivered real empirical evidence that Canadians who engage in financial planning are far better off than those who don’t.

Among the report’s findings:

• Of respondents who engage in comprehensive planning, 51% said they were on track to reach their desired lifestyle in retirement, compared to just 18% of those who don’t receive any financial advice.
• The research also revealed that of individuals who engaged in comprehensive, integrated financial planning:
*61 % felt confident they would be satisfied with their desired lifestyle in retirement, compared with 27% with no financial planning.
*most also felt that they had improved their ability to save, had greater peace of mind, are less concerned about their financial situation, and feel better about having discretionary income to be able to lead the life they want.
A second report – The Value of Advice: Report2 – from the Investment Funds Institute of Canada (IFIC) drew similar conclusions:
• Third party empirical data (from Statistics Canada, Ipsos Reid and others) showed that when Canadians choose financial advice, they accumulate more assets and are better prepared, financially, for retirement.
*74% of advised households agreed that they feel confident that they will have enough money to retire comfortably.
*71% of advised households agreed that a year from now, they will be financially better off than they are today.

The IFIC report highlighted the wide range of valuable services that professional advisors provide for their clients, including: setting and achieving planning targets; choosing the right vehicles and plans; setting the right investment mix; and delivering customized solutions based on individual choice and personal goals.

As these studies confirm – and as so many Canadians have already discovered for themselves -- financial planning pays off. Get the value you deserve by talking to your professional advisor today.

The first phase of the study was conducted by The Strategic Council for FPSC, August 2009 to January 2010 and surveyed 7,300 Canadians. 22010 Value of Advice: Report, IFIC, July 2010

John Scholl , CLU (Chartered Life Underwriter),CGA, B. Mathematics,
Financial Consultant - Investors Group Financial Services Inc.
& Investors Group Insurances Services Inc.
Phone: (905) 450-2891 X529 Toll Free: 1 (866) 799-2223 x529 Cell (416) 731-3660

Shared by:
Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh Five
Office: 905-828-3434
Direct: 416-427-1875
Email: betty@bettybart.com
Web Site: http://www.bettybart.com

Help Me Get to 150 Friends on this Facebook Page; Click and Like me Please
PSST: IF YOU KNOW SOMEONE WHO IS THINKING OF BUYING OR SELLING A HOME AND NEEDS MY HELP...FEEL FREE TO PASS ALONG MY NAME AND NUMBER TO THEM! ALL INTRODUCTIONS ARE GREATLY APPRECIATED

First Impressions In Real Estate

2010-10-20T12:40:00.000-07:00

The Importance of First impressions

In a hot spring real estate market, even homes that don’t give the greatest first impression will sell. As the Spring market starts to cool, the listings that show well will be the ones that sell faster and for a better price. A house that isn’t properly prepared may struggle to sell. Staging and preparing a home for sale is more critical now than ever before.

While interior decorating concentrates on making people feel more at home in their interior space, the objective of staging is to make the home more marketable inside and outside. Staging usually involves getting rid of clutter and “depersonalizing” a home. Most buyers have difficulty seeing themselves in someone else’s space. Clutter and/or an imbalance of furnishings or colours can throw them off. As part of my service, I try to educate my clients about how staging a home for sale can make a huge difference in the outcome of the deal. It can be difficult to get sellers to pack away the family photos. A professional stager has the ability NOT to be insulting to the seller. If a sellers’ home is cluttered, painted with bold colours, or in need of a major clean-up, I will suggest the services of a professional home stager.

Just as a home inspector investigates and reports on a home, a home stager will evaluate a home’s curb appeal and saleability. This service is provided so that the odds that my seller will achieve a higher selling price. Of course, the property must be priced accurately.

I have increased my knowledge of staging and can help clients stage their homes for little or no cost. I do believe that the services of a professional stager can give sellers an edge when competing for listings. Staging services range from simply rearranging furniture to emptying a house out and filling it with rented furniture. The cost for staging can range from $30 to $150 an hour with the majority of jobs taking less than a day to complete.

What do buyers want?

The ability to see a clean space with neutral coloured walls and a limited number of personal items so that buyers can see themselves in the space. It is important to have something in a room. Empty rooms seem smaller and some buyers have a hard time seeing what furniture would fit.

When staging a home, we cannot forget the outside. Walkways, paths and driveways should be clear of clutter and garbage as well as snow and ice. If you have had your backyard landscaped, it could be suggested to the homeowners that they create a display of photos. Finally, it’s important in winter to make sure a sellers's house is warm for viewings, but not too warm. A lit fireplace and or candles creates a nice atmosphere but should never be left unattended.

The homeowners should take a tour of their home and property and note any areas that need attention. I usually suggest windows should be clean, the front door should be freshly painted and the interior of the home is neat, clean, well-lit and odour free. Cooking odours and pet odours that homeowners tend not to notice may be offensive to potential buyers. Kitchens and bathrooms should 'sparkle', as should all mirrored surfaces.

If you are thinking of putting your home on the market and would like to discuss how to get the best price in the least amount of time, let me put my team to work. Let's meet and talk things over.

Give me a call directly at 416 427 1875.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh Five
Office: 905-828-3434
Direct: 416-427-1875
Email: betty@bettybart.com
Web Site: http://www.bettybart.com

LET ME GIVE YOU A HELPING HAND
EXPERIENCE IS NOT EXPENSIVE; IT'S PRICELESS!

DON'T KEEP ME A SECRET!! ALL REFERRALS ARE GREATLY APPRECIATED

this is not intended to solicit buyers or sellers under brokerage contract

Bathroom Renovations

2010-10-20T12:30:00.000-07:00

It doesn't matter how large or small your budget, renovating your bathroom is a good idea to make your home a more saleable property.

Bathroom decor, and color of fixtures, can really date the home. Buyers today want a new or updated bathroom. Because of this, they will often dismiss purchasing a home if the bathroom is old and outdated. The investment put into a bathroom has almost a 90% return. So, the expense of redoing it is completely worth it. This may be by doing a simple renovation all by yourself granite or going to the high end with a contractor and designer to complete the washroom.

Budget is obviously a huge factor in deciding what type of bathroom renovation you would like to do. A budget must be set. The budget depends on how elaborate you want to be - is it going to be a do it yourself project (DIY) or require will you require help from professionals.

The do-it-yourself cost savings

Going the more basic route would not involve any major construction, just changing it cosmetically. If you like the existing layout but the cabinetry is outdated, a smart solution would be to just paint the current cabinetry to give it an entire new look. Many older bathrooms have linoleum flooring or even carpet on the floor which never works well in a bathroom. A smart idea that is cost effective and very simple to use, is the use of peel and stick tiles. They cost about a dollar per square foot and can be put directly on top of the existing flooring which saves a great deal of time and money. Another great idea to have your sink and bathtub look new without purchasing new ones is to have it re-glazed. You can switch colors from that outdated harvest gold to a clean the hardware and faucets can make a huge difference also. Lower cost options that appear beautifully can be found at home improvement stores all over. A bright new paint color that resists mildew also creates a bright new fresh atmosphere in the bathroom. Many older bathrooms have antiquated tile that looks bad. There are two ways to remedy this, you can usually paint right on top of the tile or re-tile yourself with new inexpensive tile. It is not too difficult to do and can be learned at free workshops in your community.

Using A Contractor

If you decide to go high end and renovate your bathroom at a top level, then hiring a bathroom specific designer would be the optimal choice. Make sure that your vision is clearly understood by all of the workers renovating your new room. Buyers now, want a huge, spa like bathroom that is large and updated in its amenities.

These are just a few ideas. The DIY projects can apply to flooring, kitchens, and many other projects around the home. Feel free to contact me directly at 416 427 1875 to discuss what buyers are looking for in a home. A fresh idea doesn't cost you anything. My discussions are free.

Now, let me know how I can help you sell your house or find you a new home. I look forward to future discussions.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh Five
Office: 905-828-3434
Direct: 416-427-1875
Email: http://www.bettybart.com/AgentProfile/contactme.cfm
Web Site: http://www.bettybart.com

EXPERIENCE IS NOT EXPENSIVE; IT'S PRICELESS!

Help Me Get to 50 Friends on this Facebook Page; Click and Like me Please

DON'T KEEP ME A SECRET!! ALL REFERRALS ARE GREATLY APPRECIATED
this is not intended to solicit buyers or sellers under brokerage contract

Feng Shui, Mississauga

2010-10-14T08:01:00.001-07:00

I have taken many courses in Feng Shui and have spoken to many who follow the beliefs. Some are guided by this form of belief others just use some ideas to make some changes in their lives.

I read something that was absolutely inspirational today. I would like to share with you some aspects of it. I am not preaching, but some of the ideas here really make sense.

1. Give people more than they expect and do it cheerfully.
2. Marry a man/woman you love to talk to. As you get older, their conversational skills will be as important as any other,
3. Don't believe all you hear, spend all you have or sleep all you want.
4. When you say, "I'm sorry", look the person in the eye.
5. Never laugh at anyone's dreams. People who don't have dreams don't have much.
6. In disagreements, fight fairly. No name calling.
7. Don't judge people by their relatives.
8. Remember that great love and great achievements involve great risk.
9. When you lose, don't lose the lesson
10. Remember the 3 R's: Respect for self; Respect for others; and Responsibility for all your actions.
11. When you realize you've made a mistake, take immediate steps to correct it.
12. Smile when picking up the phone. The caller will hear it in your voice.

If you can think of others, let me know and I will add it to the list. These thoughts have travelled the world from the Anthony Robbins organization.

With all the news that we hear during the day, these are just thoughts that might give you an 'AH HA' moment or maybe even make you smile. Let me know!

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh FiveOffice: 905-828-3434
Direct: 416-427-1875
Email: betty@bettybart.comWeb Site: http://www.bettybart.com

Help Me Get to 150 Friends on this Facebook Page; Click and Like me Please
PSST: IF YOU KNOW SOMEONE WHO IS THINKING OF BUYING OR SELLING A HOME AND NEEDS MY HELP...FEEL FREE TO PASS ALONG MY NAME AND NUMBER TO THEM! ALL REFERRALS ARE GREATLY APPRECIATED
this is not intended to solicit buyers or sellers under brokerage contract

Interest Rates Update, October 2010

2010-10-09T12:26:00.001-07:00

The article included below was provided to me by Kristian Harris of Monster Morgage. It was written by: Michael Babad of Globe and Mail. This update was
posted in October 2010.

Bank of Nova Scotia expects short-term borrowing costs to remain at ultra-low levels well into next year as the global economy moves into a "slower lane of growth."
In a new forecast, Scotiabank economists, like others, say the rebound that began midway through last year has lost "considerable momentum," notably in major industrialized countries where government stimulus is expiring and consumers are cutting back. Central banks will in turn hold the line on the exceptionally low interest rates used to fight the recession.

"Monetary policy in this environment is expected to remain exceptionally accommodative well into 2011, keeping short-term borrowing costs at essentially 'rock-bottom' levels for the foreseeable future to help bolster market liquidity, facilitate refinancing activity, and promote borrowing-to-buy," the report says. "Japan recently lowered its benchmark rate to 'zero,' and undertook another round of government bond purchases. Similar stories are likely to play out in the United States and the United Kingdom where stumbling economies, fiscal restraint, and deflationary concerns have surfaced."

Scotiabank projects that the Bank of Canada will hold its benchmark overnight rate at 1 per cent until the third quarter of next year, and then hike by one-quarter of a percentage point, followed by a half-point increase in the fourth quarter.
Economists believe Friday's jobs report from Statistics Canada, which showed the labour market cooling somewhat, will stay the Bank of Canada's hand. It next meets Oct. 19.

"Renewed solid job gains will be tough to come by in the months ahead amid the lacklustre pace of underlying growth," said BMO Nesbitt Burns deputy chief economist Douglas Porter. "This solidifies the view that the Bank of Canada is now on hold. "
The Federal Reserve will remain near zero until the fourth quarter of 2011, followed by a projected quarter-point hike, the European Central Bank will stay at 1 per cent until it brings a quarter-point increase in the fourth quarter, while the Bank of England will stay at 0.5 per cent until the third quarter, then raising by a quarter-point, and another quarter point in the following quarter, Scotiabank predicts.

Kristian Harris
Mortgage Broker
Direct: 416.818.1645

Thank you, Kristian. Keep watching for more news. Things are changing all the time. If you would like to discuss your financial status regarding the purchase of a home, call Kristian directly at 416 818 1645. If you would like to discuss further, call Betty at 416 427 1875 and let me help you with all your Real Estate needs.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc. Brokerage
905 828 3434
Fine Homes in 905
Directly at 416 427 1875
betty@bettybart.com
bettybart.com

Managing your Money, Mississauga

2010-09-23T18:53:00.001-07:00

Once again, John Scholl has provided a very interesting article regarding financing so that I can pass it along to all of you. We're all very concerned about what's going on with the economy at this time. We hear different stories of what to do with our finances. This is some sound advice. Here it is:

From John Scholl:

Thought I’d better pass you another Managing your Money column. This has to do with the income tested pension credits and OAS and how to avoid the clawback.

You know on one hand the CRA says we have the right to organize our affairs to minimize our tax payable , but read this quote defending the clawback.

Quote – “anyone in a clawback situation should not generally be concerned but rather be proud of their ability to be self-sufficient”.

What a bunch of hooey. I’m sorry but unlike CPP which is funded by a pool generated by CPP contributions from an employee and employer, the OAS is paid from general tax revenues. In other words, I’ve been paying for other seniors OAS all the years I’ve been working and now they feel justified in not paying out my share. Did you know they want to change the time honoured (ahem) name from OAS CLAWBACK to OAS REPAYMENT ( I guess the visual of a claw raking in your money would get us too riled up)

MANAGING YOUR MONEY

Steer clear of the clawback

The government obviously loves seniors, as they receive benefits from a variety of tax assisted benefits and tax credits not available to others. However, these benefits are income-tested, in that there may be claw-backs on Old Age Security (OAS) payments and the Age Credit. OAS is a monthly benefit available to most Canadians age 65 or older. However, you will be required to repay 15 per cent of the amount by which your net income for tax purposes – including your OAS pension – exceeds $66,733. If your taxable income exceeds $108,152, you will lose your entire OAS benefit to the clawback.

Age Credit is a non-refundable tax credit available to Canadians age 65 or older. For 2010, the maximum amount that can be claimed as an Age Credit is $6,446, but this amount is reduced by 15 per cent of your net taxable income in excess of $32,506and disappears completely once your taxable income reaches $75,479.

Steering clear and keeping more – strategies that work for you

The key to avoiding OAS and Age Credit clawbacks is to keep your taxable income to the absolute minimum required to meet your needs – using strategies like these:

Pension income splitting
You can allocate up to 50% of ‘eligible pension income’ – including payments from a Registered Pension Plan (RPP) at any age and Registered Retirement Income (RRIF) payments at/after age 65 – to your lower earning spouse, which usually reduces your family’s overall tax bill and clawbacks.

Other income-splitting strategies
You can gift or loan assets to your spouse for investment purposes, contribute to a spousal RRSP (if your spouse is under age 71), and/or change who pays for daily living expenses and who invests. Withdraw the minimum for your RRIF. RRIF withdrawals are fully taxable, so consider withdrawing only the minimum each year. If you have a younger spouse, base your withdrawals on their age – this will produce a smaller minimum withdrawal.

Invest in TFSAs
Contributions to Tax-Free Savings Accounts generate tax-free investment income. As well, payments from a TFSA are not taxable, so do not result in clawbacks. Seek non-registered investments that offer preferential tax treatment. Only 50% of the capital gains generated by equity investments are taxable income, which may result in less of your income being subject to clawbacks.

Another strategy to consider is tax-advantaged or switch funds, which allow you to buy and sell investments without paying any taxes on capital gains until you leave the fund structure. This allows you to defer tax payments to a year when your income is lower.

With the right strategies you can pay less tax, avoid clawbacks and preserve your wealth. But talk them over with your professional advisor to be sure you are following all of the often difficult tax rules and doing what’s best for you.

Regards
John Scholl, CLU (Chartered Life Underwriter),CGA, B. Mathematics, Financial Consultant - Investors Group Financial Services Inc.

Feel free to contact John Scholl for further sound information. Call me at 416 427 1875 to get the telephone number and allow me to direct you to John.

Thank you John, for a great article.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
905 828 3434
Direct: 416 427 1875
betty@bettybart.com
bettybart.com

"SOLD"

2010-09-17T07:28:00.000-07:00

You have heard it a dozen times, "Your house will sell". Every realtor that knocks on your door, or telephones you, will tell you that they can get the best price in the shortest amount of time for your house. There are a few steps that 'should' be followed in order to get the end result - a SOLD sign on your lawn.

These are just a few. I am not going to cover the advertising aspect of selling your house, that's for another day. But, you do want to hire a Realtor that will bring the most eyes onto your property.

Here we go:

1: Hire a 'full time Realtor'. This is not time to be fooling around with part-time agents. Don't hire your best friend, cousin, or your hairstylist who may be working as a part-time realtor. You are selling what is your most valuable asset. This involves a lot on money. Understand your marketing plan that will be set out by your realtor.

2: Don't beat your listing agent up over the commission. Marketing real estate properly costs money. Don't limit the amount of money your listing agent will have available for marketing.

3: Listen to your Listing Agent regarding pricing. We do know what we're doing. We are following homes sales and solds all day, every day. It doesn't matter what your neighbour "thinks" you should get for your house, but what a qualified buyer is willing to pay for your house. A good Realtor will be able to show you all the comparable data of homes that sold, how quickly they sold, and why the sellers got what they got for the listing.

4: You may want to think about getting a "PRE"-inspection done on the house. This will help you get minor fix-ups done, and possible hidden major fix-ups, to send a signal to buyers that you are serious about selling your house.

5: Make the home move-in ready as much as possible. I'm not talking about cosmetics, although that would help. I'm talking big ticket items. eg. roof, furnace, air conditioning, etc.

6: CLEAN CLEAN CLEAN. It should sparkle. There should be no odors.

7: Hire a professional home stager. At the very least, get a consultation so you know exactly what needs to be done to make it more appealing to the greatest number of buyers.

These are just a few ideas. Of course there are more and I would be happy to sit down and discuss all your real estate needs with you. Even if it's just to chat about what's going on in your neighbourhood.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh Five
Office: 905-828-3434
Direct: 416-427-1875
Email: betty@bettybart.com
Web Site: http://www.bettybart.com

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this is not intended to solicit buyers or sellers under brokerage contract

Home For Sale, Lorne Park, Mississauga

2010-09-16T17:15:00.000-07:00

This home is located in prime Lorne Park location. Offering a spectacular backyard wuth an award winning Bonavista Pool-Hot Tub. A cabana with a 2 piece washroom. This backyard offers complete privacy. This home was given the Award Of Merit For Excellence In Urban Design. The living room has a cathedral ceiling and a 2-sided fireplace. Walkout from the formal dining room to a covered porch. Enjoy an eat-in centre island in the kitchen that also offers a pantry, computer desk and walk-out to patio and pool. All bedrooms have ensuites. The finished basement includes a games room, a wet bar, a recreation room, a gas fireplace, a 5th bedroom, and a gym.

For more pictures of this lovely home click here.

Also inclluded are the fridge, cooktop, dishwasher, built-in oven, built-in microwave, 2 central air conditioners, 2 furnaces, central vacuum & attachments, 2 garage door openers and remotes, electric light fixtures, security system, sprinklers, night lighting, inrgound pool and hot tub, cabana with 2piece.

If not this home, perhaps I can show you something else? If you would like to know the market evaluation of your home, click here, fill in the short form and I will call you. How easy is that?

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh Five
Office: 905-828-3434
Direct: 416-427-1875
Email: betty@bettybart.com
Web Site: http://www.bettybart.com

Help Me Get to 150 Friends on this Facebook Page; Click and Like me Please

PSST: IF YOU KNOW SOMEONE WHO IS THINKING OF BUYING OR SELLING A HOME AND NEEDS MY HELP...FEEL FREE TO PASS ALONG MY NAME AND NUMBER TO THEM! ALL REFERRALS ARE GREATLY APPRECIATED
this is not intended to solicit buyers or sellers under brokerage contract

11 Rules Your Kids Did Not and Will Not Learn In School, Mississauga

2010-09-09T16:57:00.000-07:00

A few days ago, many of us celebrated our children going back to school. Others, dropped their loved ones at different universities or colleges so they can continue their education. I no longer celebrate in the same manner. I still have one young adult in university. He hasn't started his 3rd year, yet. He starts the second week of September. I watch the little ones walking to school with their new school bags and holding their parents hands and I think back to those wonderful days. Of course, we do see our kids grow up and we look forward to the day when they begin their lives away from the comfort of their own homes. It will happen.

I have been fortunate to pick up a real cute article by Kent Summers. The article was titled:

Bill Gates Speech: 11 Rules Your Kids Did Not and Will Not Learn In School
Rule 1: Life is not fair - get used to it.

Rule 2: The world doesn't care about your self-esteem. The world will expect you to accomplish something BEFORE you feel good about yourself.

Rule 3: You will NOT make $60,000 a year right out of high school. You won't be a vice-president with a car phone until you earn both.

Rule 4: If you think your teacher is tough, wait till you get a boss.

Rule 5: Flipping burgers is not beneath your dignity. Your Grandparents had a different word for burger flipping: they called it opportunity.

Rule 6: If you mess up, it's not your parents' fault, so don't whine about your mistakes, learn from them.

Rule 7: Before you were born, your parents weren't as boring as they are now. They got that way from paying your bills, cleaning your clothes and listening to you talk about how cool you thought you were. So before you save the rain forest from the parasites of your parent's generation, try delousing the closet in your own room.

Rule 8: Your school may have done away with winners and losers, but life HAS NOT. In some schools, they have abolished failing grades and they'll give you as MANY TIMES as you want to get the right answer. This doesn't bear the slightest resemblance to ANYTHING in real life.

Rule 9: Life is not divided into semesters. You don't get summers off and very few employers are interested in helping you FIND YOURSELF. Do that on your own time.

Rule 10: Television is NOT real life. In real life people actually have to leave the coffee shop and go to jobs.

Rule 11: Be nice to nerds. Chances are you'll end up working for one.

There has been so much sad news in the papers, on TV, and on the radio. I thought that this would bring a new a few smiles and a chuckle to those with children who are in post secondary education or heading out to the real world of jobs and opportunities.

Let's smile and laugh and pass it on.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh Five
Office: 905-828-3434
Direct: 416-427-1875
Email: betty@bettybart.com
Web Site: http://www.bettybart.com

Help Me Get to 150 Friends on this Facebook Page; Click and Like me Please

PSST: IF YOU KNOW SOMEONE WHO IS THINKING OF BUYING OR SELLING A HOME AND NEEDS MY HELP...FEEL FREE TO PASS ALONG MY NAME AND NUMBER TO THEM! ALL REFERRALS ARE GREATLY APPRECIATED

Interest Rates Update, Mississauga

2010-09-08T10:38:00.000-07:00

Thank you Kristian Harris of Monster Mortgage for the following article. Great up-to-date information that keeps us on our toes. I got this just as the news came out regarding the rise in interest rates. It's not much and as you will see in the article. It still keeps the rate by the Bank of Canada low and affordable my many.

Enjoy the article. If you have any questions after you have read it, feel free to contact me at 416 427 1875 or Kristian at 416 818-1645.

Interest Rates Go Up

...even with .25% increase the variable is still attractive at 2.35%...
Carney hikes rates, cites uncertainty.

Bank of Canada governor leaves room to pause at next meeting following three straight increases in benchmark

Jeremy Torobin

Ottawa — Globe and Mail Update Published on Wednesday, Sep. 08, 2010 9:03AM EDT Last updated on Wednesday, Sep. 08, 2010 9:24AM EDT

Bank of Canada Governor Mark Carney raised his benchmark interest rate for the third straight time Wednesday, but left himself room to pause at his next scheduled decision by saying that while borrowing conditions in Canada remain “exceptionally stimulative,” the overall economic climate is fraught with “unusual uncertainty.”
In the statements on his decision to lift the overnight rate by another quarter of a percentage point to 1 per cent, Mr. Carney reiterated - arguably more strongly than in the past - that future moves will depend on developments around the world and, in turn, how they are affecting Canada’s export-heavy economy.

“Any further reduction in monetary stimulus would need to be carefully considered in light of the unusual uncertainty surrounding the outlook,” the central bank said, tweaking language in the all-important last line of the statement that accompanied its previous two rate hikes, which referred to “considerable” uncertainty.

Unlike the previous two statements, on June 1 and July 20, Wednesday’s decision included no mention of debt problems or belt-tightening in Europe. However, Mr. Carney left little doubt that the sputtering U.S. recovery is now the No. 1 risk to the global and Canadian recoveries, saying in the second paragraph of his statement that the rebound in private demand south of the border is being crimped by stubbornly high joblessness and that ``recent indicators suggest a more a more muted recovery in the near term.’’

As a result, the central bank said, the global bounce-back from the worst downturn since the Depression is ``proceeding but remains uneven, balancing strong activity in emerging market economies’’ (such as China and India, though the central bank didn’t name them) against ``weak growth in some advanced economies.’’ At the same time, the central bank appeared to downplay the effect that the global turmoil is having on Canada, calling the country’s 2-per-cent annual growth rate in the second quarter ``slightly softer’’ than what policy makers had expected, even though their latest forecast in July was for a 3-per-cent pace.

The Canadian recovery will be ``slightly more gradual’’ than the central bank expected in July, but consumer spending and investment have ``evolved largely as anticipated,’’ it said, reflecting the fact Mr. Carney’s forecasts have warned of a slowdown for several months because of factors such as the fading impact of government stimulus and the cooler real-estate market.

In the future, consumption growth will ``remain solid’’ and business investment -- which has a surprisingly strong pickup in the second quarter, Statistics Canada data last week showed -- will ``rise strongly,’’ the central bank said. For now, as the U.S. recovery proceeds in fits and starts, investor demand for safer investments such as bonds is pushing borrowing costs down and helping consumers and companies, the bank noted.

``Financial conditions in Canada have tightened modestly but remain exceptionally stimulative,’’ the central bank said.

In its July 22 forecast, Mr. Carney said inflation will stay near the central bank’s 2-per-cent target throughout the projection period, and the economy will return to full capacity at the end of 2011. On Wednesday, Mr. Carney said inflation -- which has been tame in recent months -- has been in line with his expectations and the dynamics surrounding prices in Canada ``are essentially unchanged.’’ All of that suggests Mr. Carney and his deputies are still rather uncomfortable with an overnight lending rate so far away from what most economists consider ``neutral,’’ or about 3.5 per cent to 4 per cent.

Still, the continuing emphasis on risks from abroad and on the uncertain nature of the global recovery indicate policy makers are trying to signal to remind investors that the central bank reserves the right to pause at its next decision, on Oct. 19, to spend more time assessing how the situation in Canada and abroad is unfolding. Mr. Carney would explain such a move in a new forecast the following day.

Central bankers in Japan and Australia this week indicated that fears about the durability of the U.S. rebound are weighing heavily even on the minds of policy makers whose countries aren’t quite as dependent on the world’s biggest economy. The Reserve Bank of Australia kept a pause in place on Tuesday, despite having the biggest spike in economic growth in the country since 2007, and the Bank of Japan highlighted ``uncertainty’’ about the U.S. in saying that it is prepared to add more stimulus if needed.

As you can see by this article, there still may be another rise in interest rates again. Rumors abound that it will be in December. So, if you are ready to invest in a home, maybe it's time to sit down and see if it's a possibility. I'm here to help.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh Five
Office: 905-828-3434
Direct: 416-427-1875
Email: betty@bettybart.com
Web Site: http://www.bettybart.com

Help Me Get to 150 Friends on this Facebook Page; Click and Like me Please
PSST: IF YOU KNOW SOMEONE WHO IS THINKING OF BUYING OR SELLING A HOME AND NEEDS MY HELP...FEEL FREE TO PASS ALONG MY NAME AND NUMBER TO THEM! ALL REFERRALS ARE GREATLY APPRECIATED

August Market Watch, Mississauga

2010-09-07T11:40:00.000-07:00

Hello To All:

This is meant for all those that missed receiving my monthly news letter.

First things first, welcome back to school to all those children and young adults (all adults) who have returned. To the parents who left their loved ones in the hands of the educators who will teach your children for the months that follow, enjoy a restful cup of tea or coffee as you try to settle into your regular fall routine. The excitement of the first day of school is now over.

The EX is ending, the Air Show took place only for 2 days not the regular 3, and Mother Nature decided to remind us that summer is nearing it's end. In the days and weeks that follow, we will start to think about cleaning up our yards and completing some tasks that we put off when the weather was too warm. This has been the best summer in a number of years. Homes were not listed as quickly as was predicted. Buyers stood back and waited for the 'bargains' to magically appear. The homes that were priced well, sold quickly. Some homes in certain areas of Mississauga and Oakville even had multiple offers. Yes folks, they're back. Not with the same vengeance as previously.

The August Market Watch is available. Read it on line and save a tree.

I'm waiting for listings to come on the market as I have some serious buyers that are looking to purchase. I have knocked on doors in those neighbourhoods that my buyers have showed interest. I'm just waiting for everyone to settle into their fall routines and return my calls.

The Bank of Canada has informed us that it may be raising interest rates this month. Is it time for you to get your finances in order? Give me a call and I'll set you up with a Financial Specialist to get you on the right track toward Home Ownership.

Are you ready for a Home Evaluation? You will find that I will provide you with honesty, integrity, and the professionalism that you deserve from your realtor. Do you just have some questions? If you want to find out what I will do for as your realtor, you can get information easily. Just click here. Do you want to go look at what's available on the market right now? Become a VIP Buyer.

We have all heard the doom and gloom from the media that the Real Estate Market is heading toward hard times. If you take a look at the market ups and downs throughout the years, the last season was nothing new. We are looking forward to a better fall market than we had seen in the summer. This was typical. If you would like, I can provide you with the tables and figures of markets of past. Pricing a home has never been more important in order to get your house sold. Buyers, take a look at statistics and be prepared to make an offer. Get yourself a realtor you can trust and get along with. It will be a journey and you want to take that journey with someone with whom you can get along.

Do you just want to chat? Do you have a few questions? Give me a call directly at 416 427 1875. I am ready to get moving and complete the tasks that both buyers and sellers put towards me. I look forward to all your calls and questions.

I look forward to hearing from you. Don't forget to help me get to 150 friends on Facebook.

Remember, your decision is the decision I will respect!

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh Five
Office: 905-828-3434
Direct: 416-427-1875
Email: betty@bettybart.com
Web Site: http://www.bettybart.com

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PSST: IF YOU KNOW SOMEONE WHO IS THINKING OF BUYING OR SELLING A HOME AND NEEDS MY HELP...FEEL FREE TO PASS ALONG MY NAME AND NUMBER TO THEM! ALL REFERRALS ARE GREATLY APPRECIATED
this is not intended to solicit buyers or sellers under brokerage contract

Having Children later in life

2010-08-26T14:25:00.000-07:00

More couples are deciding to wait a little longer before starting a family. Also, the decision to get the chosen career started and developed has become a priority to some. Having older children, and a new graduate, I have found it very important for them to learn financial responsibilities. Life is full of surprises, preparing for them makes them easier to accept.

Here is an article provided by John Scholl, Financial Consultant - Investors Group Financial Services Inc. & Investors Group Insurances Services Inc. It's information that is important to all of us.

Later in life children – bringing up new needs

If you have opted to start a family later in life or if you are the more mature partner in a blended family with younger children from your new union, you’ll want to make sure your children are properly cared for and financially secure regardless of what happens to you. That’s why there are certain financial and estate planning issues that you should address right away.

You Need A New Will

You need to revise your will to include the legacy you wish to leave to your newest family member(s). If your will is out-of-date your surviving spouse and/or your child may not get the share of your estate that you wish them to have. As well, if you do not have a valid will and your child is under the age of majority, the money your child inherits may be held or managed by provincial or territorial authorities until the child reaches the age of majority. He or she would receive your inheritance in one lump sum and may not be capable of managing his or her sudden wealth.

Structuring a will and estate planning are especially difficult for blended families – and, when not done correctly, it can inadvertently eliminate one or more children, or even one branch of your blended family, from any share in your estate. You should know, too, that getting remarried voids any previous wills (except sometimes in Québec).

Name A Guardian

One of the most important parts of your estate plan is recommending a guardian in your will who will take care of your child if you and your spouse are unable to do so. Think carefully about who you should recommend.

The court is not bound to appoint the guardian that you recommend in your will, and may appoint someone else if the court feels you have made a poor choice. So choose wisely – and be sure to talk it over with the person you nominate.

Insure Your Child’s Future

You want to leave a sufficient estate for your child and life insurance can help you do that. As your beneficiary, your child will receive the proceeds of your policy, usually without a tax liability. But insurance rates go up with age and your health could also become an issue, perhaps preventing you from obtaining any kind of insurance coverage.

So act now. Without doubt, a later in life child is an enriching experience and by making the right decisions now, you will ensure he or she is financially and personally protected come what may. Your professional advisor can help you make those decisions and the many others that will keep your financial life growing along with your child.

John Scholl, CLU (Chartered Life Underwriter),CGA, B. Mathematics,
Financial Consultant - Investors Group Financial Services Inc.
& Investors Group Insurances Services Inc.
200 - 24 Queen Street East,
Brampton, Ontario L6V 1A3
Wealth Management & Financial Planning
Phone: (905) 450-2891 X529 Toll Free: 1 (866) 799-2223 x529 Cell (416) 731-3660 Fax: (905) 450-9747

Feel free to contact John to discuss your financial planning. Take the time now to make sure your family is well carred for.

Compliments of:
Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
905 828 3434
CELL 416 427 1875
betty@bettybart.com
bettybart.com

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More HST Updates

2010-08-12T07:54:00.000-07:00

On July 1st, the Ontario government implemented the HST as part of a tax plan designed to strengthen the economy. While lots of discussion surrounds the changes – let’s cut to the chase. Here’s what people buying or selling a home need to know.

About 93 per cent of all homes sold in Ontario are not subject to an additional tax amount under the HST.

It’s important to note, the HST is not charged on resale homes. In addition it is not charged on home insurance, and mortgage interest costs.

HST is charged on:
- real estate commissions
- legal fees
- new homes (The full list of what changes and what doesn’t change is available on the website (23 languages), PDF format and for free download as a mobile application. )

New Homes Rebate

Regardless of the price of new homes purchased as primary residences,, buyers may be entitled to a rebate in respect of the provincial part of the HST of up to $24,000, ensuring that buyers of new homes priced up to $400,000 will, on average, pay no more – or possibly even less – tax than under the PST system. The effect of the rebate is that homes valued over $400,000 will be subject to the 8 per cent provincial part of the HST on the amount above $400,000.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh Five
Office: 905-828-3434
Fax: 905-828-2829
Cell: 416-427-1875
Email: betty@bettybart.com
Web Site: http://www.bettybart.com

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August 2010 Market Watch

2010-08-12T07:33:00.000-07:00

Well, here is is, the middle of August and I'm just getting this little note out to everyone. To all whom I send out personal notes, sorry. There really isn't anything new to tell you. "Doom and Gloom" still headline the news. According to the powers that be, the Real Estate Market has stalled.

Has anyone taken a look at what happens to the market in the months of July and August? Take a look at this year and what we were faced with -- G20, Bank of Canada raised interest rates (only quarter point, but still....), HST (yes, it's here to stay), summer market, extreme heat, holidays taken by most --- just to name a few. When you add it all up, brakes get put on.

We all expected to be overrun by new listings. Well, that didn't happen. Even, me, I keep looking for property owners to list homes. Knocking on doors, making telephone calls (probably irritating some of you) hasn't made a lick of business. Buyers are very slow in purchasing what is out there.

My farming areas of Lorne Park in Mississauga and Oakville, have been doing well. Lorne Park has been noticed in the Toronto Star as being one of the neighbourhoods where prices of properies has increased. Lakefront properties are available.

I have included a small section of the August Market Watch so that you can take a glance at what is happening. For a complete report, please visit bettybart.com.

"Greater Toronto REALTORS® reported 6,564 sales in July – a 34 per cent dip from the record 9,967 sales reported in July 2009. New listings, at 10,825, dropped to the lowest level for the month of July since 2002.

"The level of July sales remained below the expected long-term trend. The market has become more balanced following record monthly sales through most of the winter and early spring," said Toronto Real Estate Board (TREB) President Bill Johnston.

Total sales through the first seven months of 2010 were up 12 per cent compared to the same period in 2009.

Notwithstanding the fact that price trends vary at the neighbourhood level in GTA, the average price for July transactions was $420,482, representing a six per cent increase over July 2009. Over the first seven months of 2010, the average selling price was up 12 per cent annually to $432,253.

"Market conditions promoting growth in the average selling price have remained in place. While July sales were down compared to last year, the number of new listings in the marketplace also fell. This means there was enough competition between buyers to exert upward pressure on price," said Jason Mercer, TREB's Senior Manager of Market Analysis."

To all who are still on holidays, enjoy. The weather certainly is co-operating this year. Get out and play a round of golf, if you are so inclined. Want to join me, let me know.

The EX is around the corner, Parks and Recreation have their registration for fall programmes on line, school buses are all over the place while they train the new drivers to transport our kids back to school, the Staples commercial is back (It's the Most Wonderful Time of The Year), and the stores are getting busy for those shoppers looking to equip themselves for the coming months.

Do you want to talk about Real Estate? Do you have any opinions that you would like to share with me? Want a Market Evaluation on your home? Want to change neighbourhoods?

Give me a call directly at 416 427 1875. Or just email me at betty@bettybart.com.

Have a wonderful August and I will be in touch again in September.

Kindest Regards,
Betty

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh Five
Office: 905-828-3434
Fax: 905-828-2829
Cell: 416-427-1875
Email: betty@bettybart.com
Web Site: http://www.bettybart.com

Help Me Get to 150 Friends on this Facebook Page; Click and Like me Please

not intended to solicit buyers or sellers under brokerage contract

Mississauga Home Evaluations

2010-08-11T17:37:00.000-07:00

When we compare the number of Listings available in a current month vs the number of listings sold, we can conclude a ratio of Listings to Solds and How many months of inventory (Homes) are on the market.

This allows us to best optimize, how we can negotiate on your behalf to get the best possible deal.

Have you ever wanted a Market Evaluation done on your home? No obligation? At no cost?

I have made it easy for you: fill out the form, click the button and I will call.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
Fine Homes In Nine Oh Five
Office: 905-828-3434
Fax: 905-828-2829
Cell: 416-427-1875
Email: betty@bettybart.com
Web Site: http://www.bettybart.com

Help Me Get to 150 Friends on this Facebook Page; Click and Like me Please

Home Alone? Not anymore!

2010-07-26T13:17:00.001-07:00

Home alone – not anymore. Your adult child is back. Is It Time To Downsize?

Call ‘em Boomerang Kids or KIPPERS (Kids In Parents’ Pockets Eroding Retirement Savings) – but by any name, the number of adult children living with their parents is on the rise. And for Boomers, that can be a double whammy because many are being sandwiched between caring for their adult children and for their aging parents.

A recent survey of Boomers revealed that four-in-ten who care for both children and parents say they have been forced to reduce the amount they’re investing for retirement, one-quarter say they have adopted a less comfortable lifestyle, and one-quarter expressed concern that this financial assistance will jeopardize their retirement security.

There’s no doubt that having adult children at home creates financial challenges by increasing the cost of living, creating a drag on savings, and even causing a loss of freedom. Here are some practical ideas about how to reduce stress, hard feelings and avoid potential financial disaster:

Pay to stay: Treat your child as an adult and try to replicate ‘real world’ conditions by having them contribute to household expenses, chores, and even pay rent. If they aren’t employed, encourage them to actively seek work.

Invest in a secure future: As an alternative to paying rent, insist that your adult child establishes an investment plan to help pay a future down payment on their own home.

Tax relief: If your stay-at-home adult kid is also a student and has no tax to pay, you can relieve some of the pinch on your finances by taking advantage of unused federal tuition and education credits (combined). Up to $750 can be transferred from the student to a parent. (Provincial tax credits may also be available.)

Define ‘rent’: Is your child paying you fair market value rent or just enough to cover their share of home upkeep and the cost of groceries? If it’s the latter, the Canada Revenue Agency (CRA) says you don’t need to report that income on your tax return but you cannot deduct expenses. If you attempt to claim a rental loss, the CRA will put you to the test of proving the rental rate is at fair market value, and there is a reasonable expectation of profit.

With children taking longer to become self-sufficient and aging parents expected to live longer, Boomers could be in for a rough ride. The first step is talk openly with your children about money and responsibility. And a good second step is to discuss your situation with your professional advisor to make sure your financial plans stay on track.

The above article has been provided to me by John Shcoll. For further information or to discuss your financial future, give John a call.

John Scholl CLU (Chartered Life Underwriter),CGA (Certified General Accountant), B. Mathematics, Consultant - Investors Group Financial Services Inc.
& Investors Group Insurances Services Inc.
Wealth Management & Financial Planning
Phone: (905) 450-2891 X529
Toll Free: 1 (866) 799-2223 x529
Cell (416) 731-3660
Fax: (905) 450-9747

Compliments of:
Betty Bartusevicius, Sales Representative
RE/MAX Realty Specialists Inc., Brokerage
905 828 3434
Fine Homes In 905
416 427 1875

Mortgage Rates Update

2010-07-21T05:54:00.000-07:00

By now we have all heard that the Bank of Canada has raised the interest rate another quarter point. It was in the paper early this morning. The prediction is that it will go up some more by the end of the year.

As I have been telling my buyers, this is an opportune time to purchase a home and still get a great interest rate. Do this before rates go up some more. There are plenty of homes on the market so there is choice. With many enjoying the holiday season and all the activities that come with the summer, it may be a good time to sit down and chat with me about a home purchase, or even the sale of your existing property.

The following article was provided to me by Kristian Harris of Monster Mortgage, an independent Mortgage Broker.

"The Bank of Canada Tuesday raised its benchmark lending rate for the second consecutive month while cutting its forecast for economic growth over the next two years because austerity measures in Europe and economic fits and starts in the United States will make for a slower global recovery and a “more gradual” Canadian rebound.

In the statement on its decision to lift the overnight rate by one-quarter of a percentage point to a still low 0.75 per cent, Bank of Canada Governor Mark Carney and his rate-setting panel reiterated that future moves will largely depend on developments around the world and, in turn, how they may impact Canada’s export-heavy economy.

Canada’s economy will grow at a 3.5 per cent annualized pace this year instead of the 3.7 per cent rate that policy makers projected in April, and 2.9 per cent next year instead of 3.1 per cent, the central bank said. The following year, however, the domestic economy will grow at a 2.2 per cent pace instead of the 1.9 per cent predicted in April.

A flurry of belt-tightening measures in Europe have lowered the risk of an ``adverse outcome’’ to the continent’s debt crisis and raised prospects for ``sustainable long term growth,’’ but will slow the worldwide turnaround, the central bank said. Also, in the United States, Canada’s main export market, the bank said private demand is ``picking up but remains uneven.’’

The revisions -- which will be explained more in a new forecast that the central bank will release on Thursday -- are due to ``a slightly weaker profile’’ for global growth but also to ``more modest consumption’’ domestically as the housing market cools, government stimulus spending runs out and business investment remains tepid, the bank said.

``Given the considerable uncertainty surrounding the outlook, any further reduction of monetary stimulus would have to be weighed carefully against domestic and global economic developments,’’ the central bank said, using identical language from its statement on June 1, when it became the first in the Group of Seven to raise borrowing costs since the recession.

Investment by Canadian companies ``appears to be held back by global uncertainties’’ and hasn’t bounced back from a sharp drop during the recession even as many firms are hiring, the central bank said. Without being more specific, policy makers said that over their projection period they anticipate business investment and net exports will make a ``relatively larger’’ contribution to economic growth -- a hint that the domestic consumption that powered Canada’s economy out of the recession can’t be relied on as much to fuel the recovery going forward.

Inflation will stay near the central bank’s 2-per-cent target throughout the projection period, policy makers said, but the economy won’t return to full capacity until the end of 2011, or six months later than they had forecast in April."

Thank you, Kristian, for your insight and for the speed at which you provided this to me.

If you have any questions regarding your finances, contact Kristian. For all your Real Estate needs, call me, Betty, directly at 416 427 1875. Let me help you get into a new home or sell your existing house.

Betty Bartusevicius, Sales Representative
RE/MAX Realty Specialists Inc., Brokerage
905 828 3434
Fine Homes In 905
416 427 1875

Providing you with honesty and integrity, qualities you deserve from your Realtor.

Mississauga Homes For Sale, Lorne Park

2010-07-14T05:46:00.000-07:00

Double-digit gains characterize average price appreciation in most Toronto neighbourhoods in 2010, says RE/MAX
Mississauga, ON (July 14, 2010) - Toronto's

I have been trying to tell my buyers that Lorne Park is the place to live. I chatted with an new owner about his new life in Lorne Park. he said that for few years now his children had been enrolled in a private school. Now that he lives in Lorne Park, he has taken his kids out of private school and has enrolled them in the Lorne Park School District. He is so happy with the education and sports that are offered in these schools, and he is extremely happy with the teachers. "Well worth the move" were his words.

Here is a report that was provided to us thanks to Michael Polzler:

Mississauga, ON (July 14, 2010) - Toronto's housing market roared back to life in the first half of 2010, with single-detached homes and condominium apartments and townhouses posting unprecedented double-digit gains in average price in most districts, according to a report released today by RE/MAX Ontario-Atlantic Canada. This is in stark contrast to the July 2009 RE/MAX report that found that values in approximately 80 per cent of neighbourhoods surveyed in Toronto had depreciated over the same period in 2008.

RE/MAX examined 63 Toronto Real Estate Board (TREB) districts in the single-detached category between January and June of 2010 and found that 85.7 per cent experienced double-digit gains. Mississauga's Lorne Park (W13) led in terms of percentage increase in average price with a 30.2 per cent upswing in the first six months of the year, bringing year-to-date values in the area to $880,373 (vs. $676289 in 2009 and $830,041 in 2008). Markham (N01) ranked second with a 27.7 per cent jump to $779,168 (vs. $610,322 in 2009 and $683,050 in 2008) while Armour Heights, Bathurst Manor (C06) came in a close third at 27.5 per cent (rising to $732,535 from $574,599 in 2009 and $589,808 one year earlier). Mississauga's Creditview, Erindale area (W16) secured fourth spot with an average price of $561,973-up 26.5 per cent over 2009's $444,221 and 2008's $476,877. Rounding out the top five was York Mills, Hogg's Hollow, Bridle Path (C12) with a 26.2 per cent increase over last year and an average price of $1,868,591 (vs. $1,480,296 in 2009 and $1,580,851 in 2008).

"While first-time buyers dominated housing markets during the first half of 2009, move-up buyers ruled during January to June of 2010," says Michael Polzler, Executive Vice President, RE/MAX Ontario-Atlantic Canada. "Rising interest rates and the introduction of the Harmonized Sales Tax (HST) in the province helped drive activity, with more than 50,000 sales reported year-to-date-a figure on par with record 2007 levels."

Now that the summer market has arrived, the rising interest rates have been dealt with, HST is here and complaining about it doesn't help, and summer holiday season has kind of taken it's toll on the market. I am finding that homes are not coming on the market as was previously expected. I'm still hoping for more. It is still a relatively stable market.

For more information, give me a call directly at 416 427 1875. Visit my web site and find information that should be useful to you as either a buyer or a seller.

Can I help? Call me. No pressure tactics. Your decision is the decision that I will respect.

Betty Bartusevicius, Sales Representative

Re/Max Realty Specialists Inc., Brokerage

905 828 3434

FINE HOMES IN 905

416 427 1875

betty@bettybart.com

bettybart.com

Moving Made Simple

2010-07-13T05:59:00.000-07:00

This is the time of year when movers are extremely busy as we begin our moves into our new homes. It is a popular time of year to move because we want to be settled in before a school season starts, we want to still be able to meet our new neighbours because this is the time of year that we spend as much time outside as we can... there are other reasons and each person has his/her reason.

Choose Your Move:

- do-it-yourself
- full service
- use a pod for storage or moving

The first two actually are self-explanatory. The pod is relatively new. A large container is dropped on your driveway and you pack it. Once you're ready, the mover will load it onto a truck and drop it off at your new destination and you unload. Some movers will also store this pod in a dry and safe place until you take possession of your new home.

Hire A Quality Mover:

If you are hiring movers, get at least 3 quotes and do your homework. Seek recommendations (don't forget your Facebook circle). Investigate the company at bbb.org.

It may be worth to spend a little more for a qualified mover. What you should look for in a mover is a personal visit to your home and provide you with a written estimate.

Declutter:

Taking less stuff is cheaper and less hassle. Keep a room (or garage) to sort your belongings into piles of throw out/recycle/donate. Have a garage sale (this may provide you with a little bit of money for pizza on the day of the move) This is a perfect time to declutter and get rid of belongings that have been boxed in the basement that you have forgotten that you have.

Be Flexible:

Moving rates depend on when you move. The busiest time for movers, and thus the most expensive, is sumemr weekends near the 15th and 30th of the month.

Save On Boxes:

Buying new boxes from the mover could be costly. The less expensive way is to find someone who has just moved. Consider pricing them at a do-it-yourself moving store such as U-Haul. Talk to your realtor. He/she may know someone who has just moved.

Save On Packing Material:

If you're packing your belongings yourself, fill suitcases, laundry baskets and plastic containers with ungreakable items. Use linens to wrap fragile belongings.

Insure It:

Check your homeowner's insurance policy to determine whether it provides coverage for your belongings while in transit. If not, you may want more than the basic free valuation coverage a full-service mover provides. You'll want full replacement-value insurance. BUT, you may not want to purchase that from your moving company. Moving insurance MAY be cheaper from a third party, but be aware that you probably cannot get insurance on boxes that you pack yourself.

Be Prepared:

Plot out where furniture and boxes will go before moving day arrives. The less time movers spend rearranging, the less expensive it will be. Label your boxes so you know into which room the box will be placed.

With the above suggestions, I hope that this might be helpful in making your move a little less stressful. The few suggestions may also have you a little more prepared. Moving is always stressful, be it moving a family or just yourself.

Betty Bartusevicius, Sales Representative

RE/MAX Realty Specialists Inc., Brokerage

905 828 3434

Fine Homes in 905

416 427 1875

betty@bettybart.com

bettybart.com

Market Watch for June 2010

2010-07-08T05:41:00.000-07:00

Happy July to all.

As we are all 'melting' from this short heat-wave that we are experiencing, we get bombarded with sad real estate market news. While you are reading about the sky falling in, once again, and the prices of homes dropping, once again, I hope you are enjoying the sunshine with a cool drink. We all know that by the lake provides the best and least expensive relief from the heat with the cool breezes that come from the water. Take a walk in a park. Set yourself under a tree and just smile as you read the gloomy news.

Those that are in "the know", seem to forget that this year our interest rates went up a little bit, HST has confused many as to who's going to pay the tax on what, and we are now in a summer market. The last couple of weeks I have been competing with FIFA, heat, G20, Parades, and summer heat as I hosted open houses. Were they slow? Yes, but I did have visitors. Are there buyers out looking for a new home? Yes. Are there sellers still thinking that the market is the same as it was 3 years ago? Yes, and it is taking longer to sell a home these days.

It is still extremely important for you to list your property realistically if you want to sell it in a decent amount of time. You must get an agent that can market your property and bring the most eyes to it and to showcase it, not just on MLS.

Here is the latest Market Watch for you to read over. As I predicted, it is now, yet again, a buyers market and a little more balanced market. If you would like to discuss your
specific neighbourhood, call me directly at 416 427 1875.

I don't go away for the summer. I do like to get out with my better half to play a round of golf. Would you like to join me? Again, give me a call and let's talk. Take a look at my web site: bettybart.com to read some of the new articles that I have posted. If you're on FaceBook or if you Twitter, find me and let's become friends.

Now, go out and enjoy the day. If you're going on a holiday, have some fun. Relax. This is summer. Listen to some songs that will make you smile.

As always, I look forward to your questions and to meeting up with you. Your opinions are of great importance to me. I like to keep the lines of communication open to all. If you see my signs for an open house, come on in and say hello.

Betty Bartusevicius, Sales Representative
RE/MAX Realty Specialists Inc., Brokerage
FINE HOMES IN THE 905
905 828 3434
416 427 1875
betty@bettybart.com
bettybart.com

PSST: If you know of family, friends or colleagues that need my assistance, feel free to pass along my contact information. I am never too busy for your referrals.

not intended to solicit buyers or sellers under written contract with another Realtor or Brokerage

Declutter and Disconnect Emotionally

2010-07-05T10:55:00.001-07:00

Selling your home can be difficult emotionally. It is difficult to part with your property when you read all the bad news about home ownership. There are a few ways to ease the stress and make the process of selling your home a little more acceptible.

First of all, take all emotions out of the process. Difficult to do. That is why you hire a professional realtor to do this for you. If you cannot disconnect, problems will arise. First of all, if you feel that your home is worth more than it truly is (and all of us know our house is worth more), you and your realtor will have many 'discussions' as to what your 'house' is worth. The seller will also become a little more sensitive to the criticism of their property.

Secondly, make the house anonymous. In other words, remove all personal effects. We want buyers to come in and see themselves living in this home. We want buyers to look at the home not at the pictures, etc.m,of the families that live there.

When you declutter, don't just dump them in a closet or a box in the attic or basement. The garage is a good place, but make sure you can see that a car, or two, can get in without much trouble. Rent a storage space. Rent the "PODS" that are available now. Take your stuff to a family member's house if possible. This last place is the least expensive.

Now, when the offer comes in, consider it. Don't get insulted. It's always a starting point. In this market, it is difficult to judge what to offer. Sometimes homes are listed well above "Market Value" of the home, so start somewhere. This is where it is very important to be disconnected emotionally.

Let your realtor do his/her job. We can advise you where to proceed. In today's economic times, consider all offers. If both sides are at a stand-still, and both have yielded as much as possible, then maybe this deal was not meant to be. It might be the time to sleep on it and continue with the next one that comes in.

Happy Canada Day

2010-06-30T17:32:00.000-07:00

Here we are, the first long weekend of summer. Get ready for a great weekend of celebrations and fun. There is so much going on this weekend. Where do you live? Just check out what's happening in your own community. Each and every neighbourhood surrounding Toronto is celebrating. Fireworks are going to be exploding in the skies! It will be easy to find a park to watch some explosions. Bring a blanket, some popcorn, and the kiddies and enjoy this. Or, just hold someone's hand and watch the skies light up.

Now, go out and enjoy a day off! HAPPY CANADA DAY!!! And have a great start to the summer. Remember, swim, bbq, camp, go to the beach, party with family and friends, or just put your feet up. But it goes without saying, BE SAFE.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
905 828 3434
Fine Homes In 905
Directly at 416 427 1875
Email: betty@bettybart.com
Web Site: bettybart.com

PSST: IF YOU KNOW SOMEONE WHO IS THINKING OF BUYING OR SELLING A HOME AND NEEDS MY HELP...FEEL FREE TO PASS ALONG MY NAME AND NUMBER TO THEM! ALL REFERRALS ARE GREATLY APPRECIATED

not intended to solicit buyers or sellers under brokerage contract

Canada - A Great Place To Retire

2010-06-28T18:19:00.000-07:00

Canada Day is our annual opportunity to proudly celebrate Canada’s history and heritage and our achievements as a nation. On that happy holiday, many of us will likely pause for a moment to consider why living in Canada and being a Canadian is so great. Each of us will have our own reasons and, of course, there will be many we all share.

One shared reason you may consider - Canada is a great place to retire! Maybe that’s because a comfortable retirement is something we take for granted but when you look at the many benefits available to Canadian retirees – benefits not available to retirees in many other countries – it’s clear we have much to celebrate:

- All wage earning and self-employed Canadians are eligible to receive either Canada Pension Plan or the Québec Pension Plan (CPP/QPP) retirement benefits, which are indexed for inflation. There are also CPP/QPP survivor and dependents’ benefits as well as a lump sum death benefit. A couple can choose to share CPP/QPP benefits for tax purposes.
- Canadians can take advantage of the tax-deferred, compound growth benefits of Registered Retirement Savings Plans (RRSPs) and Registered Retirement Income
Funds (RRIFs). Any Canadian resident who receives periodic payments from a registered pension plan can potentially reduce their taxes by splitting pension income with a spouse/common-law partner. Those over age 65 who receive RRIF income are also eligible for the federal and provincial Pension Income Credit and can allocate up to 50% of their RRIF income to a spouse for tax purposes.
- Those who have lived in Canada for at least 40 years after age 18 will receive the full monthly Old Age Security (OAS) benefit, which is indexed for inflation. Canadian residents who have lived in Canada for at least 10 years after age 18 will receive a prorated OAS monthly payment.
- Seniors with a lower income may be eligible for the Guaranteed Income Supplement (GIS), a tax-free monthly payment, which is indexed for inflation.
- Canadians can invest in Tax-free Savings Accounts (TFSAs) that generate tax-free investment income that does not affect income-tested federal benefits.
- Every tax-eligible Canadian gets the Basic Personal Tax Credit and those over age 65 also receive an Age Credit. Other tax credits that can benefit retirees include the Medical Expense Credit, the Dependent Credit, the Disability Credit, and the Caregivers Credit. There are also generous tax credits for those making charitable donations.
- And, of course, Canadian retirees have access to a wide range of health care services at little or no direct cost.

Yes, Canada is a great place to retire! But to make your retirement all it can be, you need a plan that includes retirement income from other sources such as your company or personal pension plan and your own investments. Your professional advisor can help make sure your first day of retirement is as much a cause for celebration as the first day of July.

Than you for this article, information, and reminder or our retirement:

John Scholl CLU,CGA, B. Mathematics, Consultant - Investors Group Financial Services Inc.
& Investors Group Insurances Services Inc.
Wealth Management & Financial Planning
Phone: (905) 450-2891 X529
Toll Free: 1 (866) 799-2223 x529
Cell (416) 731-3660
Fax: (905) 450-9747

Betty Bartusevicius, Sales Representative
RE/MAX Realty Specialists Inc., Brokerage
905 828 3434
Fine Homes in 905
416 427 1875

Mississauga Home for Sale

2010-06-28T17:29:00.000-07:00

Welcome to an elegant condominium for sale at 1915 Broad Hollow Gate in Mississauga. This is executive living at its finest in this exclusive wooded community in Mississauga . This gem is tucked away for quiet and privacy. It has a popular open concept design with 9 foot and 18 foot ceilings. Picture windows line the rear of this home with majestic wooded views. The kitchen has an upgraded Bellini Kitchen with granite counter top wrapped to backsplash with under valance lighting and wall to wall furniture finish twin pantry with a granite topped desk. Parking for 6 vehicles.

For more pictures of this home click here

This home also offers a built in dishwasher, all blinds and window coverings, garberator, all electric light fixtures, central air conditioning, pot lighting throughout, hardwood flooring, 7.5 Inch baseboards, large deck with a privacy wall overlooking the woods, garage door opener and remotes

If not this home, perhaps I can show you something else?

Feel free to give me a call and let's discuss your real estate needs. Your decision is the decision I will respect.

Betty Bartusevicius, Sales Representative
RE/MAX Realty Specialists Inc., Brokerage
905 828 3434
Cell: 416-427-1875
Email: betty@bettybart.com
Web Site: http://www.bettybart.com
Fine Homes in Nine Oh Five

PSST: IF YOU KNOW SOMEONE WHO IS THINKING OF BUYING OR SELLING A HOME AND NEEDS MY HELP...FEEL FREE TO PASS ALONG MY NAME AND NUMBER TO THEM! ALL REFERRALS ARE GREATLY APPRECIATED

not intended to solicit buyers or sellers under brokerage contract

Congrats To All University and College Grads

2010-06-16T17:39:00.000-07:00

Well, folks! One of my 'children' has gone and done it! She graduated University of Guelph. Got her Honours Degree in Science -- Earth Sciences to be exact. Loaded my small family in the car early this morning to get to the ceremony on time and headed out.

We had great seats. The Piper led the faculty in, followed by the graduates of that particular day/time slot. The first thing noticed was, "where are all the guys"? Not many in this time slot. Parents all around us and it was a shame that we were only allowed 3 guests. Some families brought more, of course.

The Chancellor of UofG is Pamela Wallen. What a wonderful speaker. She spoke from the heart. Her words tore at my heart-strings. The grads were infatuated with her words. Her welcome was short, too short.

As the grads started to line up to get their papers and congratulations, we parents jumped up for the photo ops. There were so many smiles. These young adults worked so hard for four years for this special moment. I remember my hand shaking at times when I was signing checks or transferring money for those "ask-cidentals". And today, I found out that it was all worth it.

These young people are the future. They are the ones that are willing to take chances. They are the ones that will be heads of companies and leaders of the world. As I look at them, I wonder - when did they grow up.

I remember my daughter finishing elementary school. Then four years of secondary just flew by. It was like yesterday when I dropped her off for first year university. The dorm room was 'cozy'. She had the basic necessities. She needed no more. She would tell me about the Friday nite movie nights - she was the only one in her quad with a small tv. Someone would bring the popcorn. Someone would bring the 'refreshments'. What a great group of co-ed roomies she had. And today, she walked down the aisle in her black robe and gold hood.

So, CONGRATULATIONS, to all who have passed through the hallowed halls of their post-secondary institutions. May I wish all of you the strength to face what is yet to come! Know that you have the support of your families to continue your journey. You can depend on the friendships that you have developed in these few short years.

Betty Bart
Fine Homes in Nine Oh Five
Directly at 416 427 1875

Become A VIP Buyer With Betty, Mississauga

2010-06-15T17:07:00.000-07:00

When you're talking to other buyers, or people who are now owners of properties, have you ever thought, "Why don't I get the same treatment?" Ever thought how nice it would be to be able to talk to your realtor and have them LISTEN to what you are saying? Wouldn't it be nice to have an agent call you back quickly?

It sure would be nice to have your agent sift through the mounds of listings to match your dream home parameters.

All valid questions and statements.

Instead of having a realtor drag you from house to house, wasting your precious time showing you homes that don't interest you and are possibly beyond your budget, let me assist you by first of all signing you up to our exclusive buyer profile system that allows you to pick which homes you want to view before other buyers even know about them. This is done under no obligation to you. I preview many homes for you throughout Mississauga and Oakville. I have buyers that are diligently looking for homes in those areas. I will arrange a private visit of the home quickly and efficiently, and at your convenience.

You can get up to date Betty's Pic of The Week in the elegant neighbourhood of Lorne Park in Mississagua and also in prestigioius Oakville.

You can receive an update printout of all new listings that match your home criteria emailed to you free of charge and without obligation.

As a VIP Buyer, you get daily updates of all new home listings that match your criteria, you get first pick of homes that interest you, and you can beat other buyers to an offer which sometimes allows you to escape the multiple offer situations and therefore, we are able to negotiate the vest possible price for you.

Because your time is valuable, don't waste it looking at homes that don't interest you.

I will explain all the paperwork that you will have to sign during our visits. You will have a choice of becoming my VIP Buyer Client or my customer. This choice is yours. No pressure tactics. Your decision is the decision that I WILL respect.

Take a look at some of the testimonials. They all seem to say the same thing -- no pressure, knowledge, patience....

Betty Bartusevicius, Sales Representative
RE/MAX Realty Specialists Inc., Brokerage
905 828 3434
FINE HOMES IN NINE OH FIVE
Directly at 416 427 1875
betty@bettybart.com
www.bettybart.com

PSST: IF YOU KNOW SOMEONE WHO IS THINKING OF BUYING OR SELLING A HOME AND NEEDS MY HELP...FEEL FREE TO PASS ALONG MY NAME AND NUMBER TO THEM! ALL REFERRALS ARE GREATLY APPRECIATED

HST and Real Estate

2010-06-14T11:24:00.000-07:00

As 1st of July approaches, not only do we celebrate a holiday, but also the dreaded HST comes into our lives. It's not just Ontario, but also in British Columbia. Changes will happen, but let's face it folks, it's another tax and will be paid by all of us. There's a lot of confusion about this tax, but fortunately, we do have tax accountants that will help us through this. Thank you to Stephen H. Shub Professional Corporation, Barrister, Solicitor, Notary who has provided with a list of of a few points of interest to the Real Estate profession. At the end of this note, there are telephone numbers that you can call for further information.

1) HST and Mortgage Brokerage Fees (to arrange a mortgage, if one uses a Mortgage Broker) HST will not apply since mortgage brokerage services are
exempt as part of the financial services industry.

2) HST on Real Estate Commissions:
Generally, HST will be payable on commissions for any real estate sale closed after July 1, 2010. However, the general transitional rule (for sale contracts entered into before July 1, 2010), is if at least 90% of the services were performed prior to July 1, 2010, only 5% GST is payable (no PST). If an offer to purchase real estate was accepted prior to July 1, 2010, then the realtor services
were performed prior to July 1, 2010, and only 5% GST should be payable even though the realtor’s commission is not due for payment until the sale has closed after July
1, 2010. Warning to sellers: If, prior to July 1, 2010, a seller is about to accept an offer to purchase (which will close after July 1, 2010), the seller should clarify in writing with the realtor that only GST will be payable on commissions due on a sale closing after July 1, 2010.

3) HST and Rents Paid by Tenants:
For residential tenancies, HST will not apply to such rents. For commercial tenancies (industrial, office or retail), HST will be charged on rents paid after July 1, 2010 (but most commercial tenants qualify to recover such HST payments
through input tax credits).

4) HST and Condominium Monthly Maintenance Fees:
For residential condominiums, HST will not apply on monthly common expenses, but HST is payable for commercial (retail), office, (industrial) condo common
expenses paid on or after July 1, 2010 (most commercial condo owners qualify to recover such HST payments through input tax credits).

5) HST on HOME RENOVATIONS
For any part of services (labour and materials) provided after July 1, 2010 (no matter when a contract for renovations of a residence was signed), the part performed or provided after July 1, 2010, will be subject to HST.

6) HST and RESALE COTTAGE / VACATION PROPERTY PURCHASES
HST will not be payable on the price if the property sold by the seller and bought by the buyer is personal use property. However, if the seller had been renting out the property more than 50% of the time during the seller’s ownership, the price will likely be subject to HST. If the property being sold was part of a rental pool, HST will apply. Consult your tax accountant.

7) HST and RESALE RESIDENTIAL PROPERTY PURCHASES
There will be no HST on the price of resale residential purchases. Note: Resale residential purchases will therefore become a much more attractive investment (rather than buying from a builder) particularly when one considers that builder prices will result in 13% HST (whether built into the price or being structured in
addition to the price by some builders in Ontario).

Builder prices also must include higher increased current costs of labour, materials and land costs as well as substantial municipal levies and educational levies
plus sizable closing adjustments (often being hidden by builders in the fine print of many pages in a builder’s agreement), all of which are not payable by a buyer /
investor who purchases resale residential property. (Think about it!)

8) HST on a PURCHASE OF A SUBSTANTIALLY RENOVATED HOME
If a residence being purchased has been “substantially renovated”, it will be treated in the same manner as buying new construction from a builder and HST will
generally apply to the price paid. See Canada Revenue Agency (CRA) Bulletin B-092 which states that a substantial renovation”, in effect, refers to a renovation
where at least 90% of the interior of a building (excluding the foundation, external walls, internal supporting walls, roof, floors and staircases) has been removed or replaced.

9) HST and PURCHASE of RESALE APARTMENT BUILDINGS (Multi-Unit Residential)
No HST will be payable on the price of a resale apartment building (multi-unit residential). If part of such a building is commercial, the purchase price must be reasonably apportioned between the part of the building that is residential resale (HST exempt) and the other part of the building that has a commercial component, which part will be subject to HST.

10) HST on PURCHASE OF COMMERCIAL PROPERTIES (new or resale commercial properties
closing after July 1, 2010 no matter when an offer was signed)
HST will apply to the purchase price; however, typically, buyers who obtain a GST registration prior to closing (must be registered for GST in the same manner as
ownership will be taken) will not need to pay the HST on closing provided:

(a) a GST registration is obtained prior to the closing date and

(b) the buyer signs an appropriate undertaking in the lawyer’s office to become self-assessed.

Note: Watch out for the purchase of office condominiums, industrial condominiums, and retail condominiums, the price for which will be subject to HST (being subject to only GST on the price for closings prior to July 1, 2010).

11) HST and the PURCHASE OF VACANT LAND
(a) Farmland:
HST will typically apply to the price of such land if farm land is sold alone; however, if the land is sold as part of a farming business, it can be treated differently. Consult your tax accountant.

(b) Building Lot:
HST will typically apply to the price when the seller is involved in a commercial real estate activity; however, some lot sale prices might be exempt from HST if the
seller is not engaged in a real estate commercial activity.

(c) Personal Use Of Vacant Land
No HST is payable if an individual sells personal use vacant land (which would have been exempt from GST).

12) HST on PURCHASES OF NEWLY CONSTRUCTED RESIDENTIAL PROPERTY
(a) Builder’s Agreement Prior to June 19, 2009: No HST is payable if an offer to purchase from a builder was accepted prior to June 19, 2009 (only GST will
apply; however, most builders include GST inside the sale price). Note: Buying by way of an assignment (where the builder sale agreement was signed prior to June 19, 2009) becomes attractive!

(b) Builder’s Agreement Accepted after June 18, 2009: If an offer to purchase from a builder was accepted after June 18, 2009 and either occupancy closing (for a new
condo purchase) or final closing occurs prior to July 1, 2010, HST is not payable; HST is payable if both occupancy (in a new condo purchase) and final closing
occur after July 1, 2010.

(c) If Builder’s Agreement Silent about HST: If an offer to purchase from a builder was accepted after June 18, 2009 and failed to make reference to HST, the sale price includes Ontario’s 8% PST component of the HST if it is payable (which means that the builder must pay the PST and cannot charge it to the buyer).

(d) GST Rebate (calculated on the 5% GST part of the 13% HST): Typically, most builders include the GST component of HST (being 5%) in the sale price based on the government GST rebate being assigned from the buyer to the builder (such GST rebate being 36% of the GST payable on the first $350,000.00 which is reduced to NIL as the price increases from $350,000.00 to $450,000.00, there being no GST rebate after $450,000.00).

Note: In order for the GST rebate to be assigned to the builder by the buyer, the buyer must qualify by the buyer or an immediate family member living in the unit. If not qualifying (such as an investor who will be renting out the unit), the rebate cannot be assigned to the builder and the builder will charge the cost of such unassignable rebate to the buyer on closing in addition to the purchase price,
which results in the buyer being forced to make a separate application to the federal government to recover such rebate. To qualify for recovery of such rebate, the investor must own the unit for at least one year and reasonably expect to rent the unit to the initial tenant for one year. An investor need not wait the year to apply for and obtain the rebate but if the government later discovers that
ownership was less than one year, the government might seek to recover the rebate paid to the investor.

(e) PST Rebate (calculated on the 8% PST Component of the 13% HST): Warning: All builder agreements should be reviewed by a lawyer either before a buyer signs an offer or during any available cooling off period since some builder agreements require buyers to pay the 8% PST (or the Net PST) component of the HST in addition to the purchase price.

Regarding a PST rebate, only 75% of the 8% PST component of the HST is refundable to a buyer on the part of the purchase price that is up to $400,000.00 (being newly constructed from a builder since there is no HST on resale residential property). There is no government rebate on the 8% PST for the part of any price that exceeds $400,000.00! This means that 75% of 8% (being 6%) is refundable by the government
and 25% of 8% (being 2%) is not on the first $400,000.00 of price.

Example: If the price from a builder is $500,000.00, the gross 8% PST component of the HST would be $40,000.00, but since the government offers a rebate of 75% of the 8% PST on the first $400,000.00, this will effectively (for a qualifying buyer whose immediate family member will be living in the unit) reduce the PST
to 2% on the first $400,000.00 to $8,000.00. Since there is no PST rebate for that part of the price over $400,000.00, 8% is charged on the next $100,000.00
being a further $8,000.00 which means (for a qualified buyer who can assign the rebate to the builder) that the total net PST payable is $16,000.00. If the net PST is not included in the price of $500,000.00, the price plus net PST payable becomes $516,000.00. The gross 8% PST on $500,000.00 is $40.000.00 but (due to the
rebate of $24,000.00 on the first $400,000.00) the net PST payable is $16,000.00.

Note: If the builder’s agreement requires the Net PST to be paid by the buyer, the buyer pays $16,000.00 on top of the price. If the builder’s agreement states that the Net PST is included in the price (as GST is typically with most builders), the price remains $500,000.00. Watch out!

Caution: An investor-buyer who will rent out the unit will not qualify for assignment of PST rebate to the builder and, therefore, on closing, must pay the purchase price of $500,000.00 plus the gross PST of $40,000.00 (being a total of $540,000.00) and then, after closing apply to the government for the rebate of $24,000.00 to be received if the investor qualifies (must be owning for one year and rent to a tenant who is reasonably expected to live in the unit for one year, although the rebate application can be made as soon as the purchase from the builder is closed).

(f) Qualifying for a Rebate (GST or PST) when Buying from a Builder:
In order to qualify for GST or PST rebates, the property purchased from a builder must be intended to be a primary place of residence, which means that if a person
has more than one residence in the world, (in order to qualify for the rebate) the unit must be the main place of residence and not a secondary residence. Also, the residence purchased must be used as a primary place of residence (as stated above) by the buyer or a relation of the buyer. Relation of the buyer includes an
individual who is related by blood, marriage, adoption or common law (including a former spouse or a former common law partner). Blood relation is limited to parents, siblings, children, grandchildren but does not include cousins, uncles or aunts.

(g) Additional Transitional PST rebate for NON-CONDOMINIUM Builder Purchase (where
part of construction was done as of July 1, 2010):
If HST is payable on a newly constructed home (not a condominium) and if construction of the residence was at least 10% complete as of July 1, 2010, a transitional PST rebate of up to 2% of the sale price can be claimed
on the PST component of the HST as follows:

% Completed As Of July 1, 2010 Portion Of 2% Of Price To Be Refunded
10% - 24%25%
25% - 49%50%
50% - 74%75%
75% - 89%90%
90% - 100%100%

Example: If buying a freehold townhouse, a semi-detached or a detached from a builder for $500,000.00 where construction was 95% complete on July 1, 2010 and
closing occurs on July 15, 2010, PST rebate for qualified buyer will be:

(i) 75% of 8% on the first $400,000.00 = $24,000.00

(ii) 100% of 2% on $500,000.00 = $10,000.00
Total rebates $34,000.00

Instead of paying a gross PST of 8% on $500,000.00 being $40,000.00, the rebates of $34,000.00 would reduce the net PST payable to $6,000.00. The question is whether such Net PST is included or not included in the purchase price from the builder according to the terms of the builder’s agreement!

Note: The PST transitional rebate of up to 2% of the purchase price can only be obtained if:

(i) HST is payable on the price where the builder’s agreement was accepted after June 18, 2009 and closes after July 1, 2010;

(ii) the purchase is for new residential construction which is not a condominium;

(iii) construction is at least 10% complete as of July 1, 2010;

(iv) a certificate is obtained on closing from the builder stating the percentage of completion of construction as of July 1, 2010. Note: the builder is not required to provide this to a buyer unless the terms of the purchase agreement with the builder requires such a certificate to be provided;

and

(v) an application for a transitional PST rebate is filed withthe government by July 1, 2014.

(h) CONTACT TELEPHONE NUMBERS FOR HST TRANSITIONAL RULES
Ontario has proposed transitional rules that assist businesses in the transition to a Harmonized Sales Tax (HST). For more information on the transitional rules for the HST, please call Canada Revenue Agency (CRA):

For Personal property and services - 1 (800) 959-5525
For Real property - 1 (800) 959-8287
To speak with an information officer about the introduction
of the HST in Ontario, please call 1 (800) 337-7222 or
1 (800) 263-7776.

Regards,

Stephen H. Shub Professional Corporation
Barrister, Solicitor, Notary
5799 Yonge Street, Suite 803
Toronto, Ontario
Canada
M2M 3V3

Tel: (416) 222-1882 (live telephone receptionist to 11 p.m.
7 days per week)
Fax: (416) 222-4277
E-mail: stephenshub@home-legal-cost.com
Cell: (416) 520-6120 (to 11p.m.7 days per week)
http://www.home-legal-cost.com

Let's keep this line of communication open. Feel free to contact me for further information or if you need to discuss with either a lawyer or tax accountant. I have team members that can help.

Betty Bartusevicius, Sales Representative
RE/MAX Realty Specialists Inc., Brokerage
905 838 3434
DIRECTLY AT 416 427 1875
FINE HOMES IN NINE OH FIVE

Levi Creek Home for Sale

2010-05-28T17:17:00.000-07:00

Come visit this property at the Open House that I am hosting on Saturday May 29th and Sunday May 30th between the hours of 2:00 - 4:00 p.m. on both days. I hope to see you there.

Welcome to 1802 Bridlington Court in Levi Creek, Mississauga. A beautiful home on a quiet Court location. A FOUR bedroom brick detached home with a finished basement with a 2nd kitchen, 4-piece bath, a bedroom and an office. Enjoy hardwood floors throughout, popular open concept main floor family room with a cathedral ceiling, fireplace niche and storage window seat, separate living and dining room, main floor laundry, interior garage access, large eat-in kitchen, and fully landscaped.

Click here for more pictures

Also included in the price is the fridge, stove, washer, dryer, dishwasher, window blinds, and all existing electric light fixtures. There is no house behind for a quiet, and private backyard with a patio.

If not this home, perhaps something else?

Betty Bartusevicius, Sales Representative
RE/MAX Realty Specialists Inc., Brokerage
905 828 3434
Fine Homes in 905
416 427 1875

"The highest compliment anyone can give me is the referral of their family,
friends and business associates."

this is not intended to solicit buyers or sellers under ontract with another realtor or brokerage

Welcome To The First Long Weekend of Summer 2010

2010-05-20T17:36:00.000-07:00

Well, here we go!!! The first long-awaited weekend for the year is finally here.

The weatherman hasn't given us too much good news about the weather, but who cares! He says we will have at least one dry day. After all this rain, I am looking forward to one dry day. We all know that we'll be able to spend some time with family and friends. I always plan to do some spring cleaning on a long weekend, but because we haven't had any sun, I plan on enjoying that one lonely day outside. I love the summer. My backyard is my sanctuary. It is a little bigger than I would like it to be, but when I'm out there either alone or with friends, I am totally relaxed. Something about sunshine and warmth that brings out the best in people.

I will be around for anyone who needs a few real estate questions answered. I can meet you and discuss real estate calmly. No rushing around this weekend. Let's all just enjoy. If you don't want to talk real estate this weekend, how about just enjoying a cup of tea/coffee, or perhaps something cold?

Happy Victoria Day Weekend everyone.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
Fine Homes in the Nine Oh Five
Directly at 416 427 1875

The Mortgage Decision

2010-05-06T14:55:00.000-07:00

John Scholl of Investors Group Financial Services Inc. & Investors Group Insurances Services Inc. provided me with the article below. He defines the different mortgages quite clearly. He can talk to you further about your mortgage and your finances to make your decision easier and so that you can sleep at night. Read the article and if you have any further questions call John. You can also call me directly at 416 427 1875.

Fixed or Variable Rate Mortgage?
“It made me nervous – very nervous.” Financial advisors hear that comment all the time from both first-time home buyers and more seasoned purchasers who may be upgrading or downsizing to a second or even a third home. What makes those folks nervous is finally getting down to signing the mortgage documents that can mean decades of payments for the largest investment most Canadians will ever make. What can add to that nervousness is uncertainty: “Did I choose the right mortgage option?” If you’ll soon be signing on that dreaded dotted line, here is some basic information that can make your mortgage decisions easier and a better fit for you.

Your mortgage options:
Fixed rate mortgages guarantee a set monthly payment amount at a locked-in interest rate for the term you choose, typically one to five years. At the end of that period, you sign for another ‘term’ at the prevailing mortgage rates, which can be higher or lower.
Variable rate mortgages may have a lower initial interest rate than fixed rate mortgages but the interest rate is linked to the Prime Rate and fluctuates with it, which means the rate you pay over the term you select could increase or decrease, affecting your total interest costs and potentially, the amount of your mortgage payment. Some variable rate mortgages are available where the payment amount is fixed for the term, but they are typically subject to certain conditions.
Multi-level or split rate mortgages offer both a fixed and variable component – a rate structure that combines the benefits and risks of fixed rate and variable mortgages – and are growing in popularity.

Your best bet:

Studies have shown that, while a fixed rate mortgage is still the most popular choice, choosing a variable rate mortgage over a fixed rate mortgage can save on interest payments over the long term. But financial experts agree that, when you’re mortgage shopping, it’s a mistake to look solely at interest rates. Your financial and life circumstances can change – in fact, most mortgage holders look to make changes to their mortgage at least once or twice during their term – so you should also consider the ‘features’ of a mortgage, such as the flexibility to make changes to it without incurring significant costs. In particular you should ask the lender if a penalty will apply if you sell your house and purchase a new home with a new mortgage from the same lender.

The keys to the best bet for you are these:

Make your mortgage decision based on your personal financial objectives, your overall plan for your family’s financial future, and the ‘insomnia factor’ (Will your choice allow you to sleep soundly at night?). Your best course of action is to work through all the options with your professional advisor before you sign on the dotted line.

As previously discussed, if you are relatively healthy, never sign up for “Mortgage Insurance” with your lender until you have discussed life insurance with your financial advisor. If you need further encouragement to do so, may I suggest you search for “CBC Marketplace in Denial” on the internet and do a little research about what really happens. The worst aspect of it is the underwriting at the time of claim instead of at the time of the insurance application.

John Scholl CLU,CGA, B. Mathematics, Consultant - Investors Group Financial Services Inc.
& Investors Group Insurances Services Inc.
200 - 24 Queen Street East,
Brampton, Ontario L6V 1A3
Wealth Management & Financial Planning
Phone: (905) 450-2891 X529 Toll Free: 1 (866) 799-2223 x529 Cell (416) 731-3660 Fax: (905) 450-9747

I strive to continually improve my wealth management practice to be worthy of the referrals received. I build my business one introduction at a time, and would consider it a great compliment to be introduced to one of your business associates, friends or family.

The above information is shared by:
Betty Bartusevicius, Sales Representative
RE/MAX Realty Specialists Inc., Brokerage
416 427 1875
Fine Homes In Nine Oh Five

The Buyer Who Would Not Sign a Buyer Agency Agreement

2010-05-06T11:02:00.001-07:00

As I was driving to my appointment with my buyers this evening, I heard a great commercial. It talked about the Buyer Representation Agreement. That was great for me, because it supported what I try to explain to my buyers at the first meeting.

Since I've become a licenced real estate agent, I have known that I should be working only with buyers who sign an agency agreement. Those are the clients that deserve my time and effort. At times, I have become complacent and trusting. I don't want to lose a Buyer by asking them to sign the Agreement. Some Buyers are quite nervous about working with a one Realtor exclusively. There is a feeling that other Realtors will work for them without this Agreement. Also, to get buyers to sign these forms, requires that I make adjustments to my routine.

I have to show my prospective buyers the benefits they will gain by working with only me and the professionalism, honesty and personal touch that I provide. In order to accomplish this, they need to come into my office for a complimentary buyer consultation.

I get excited about being able to help someone find a home. Here is an example of what happened to me and I hope it will help another realtor before this same situation happens to them. Also, it may also show buyers the importance of the Agency Agreement. I started working with a buyer a few months ago. Instead of scheduling the free consultation when the new buyer called me, I just get the property details and schedule a showing. Deep down I knew this was not the way it should be. (My mother told me always to follow my 'gut feeling')

Here's my story: A new buyer came along and asked to see a particular home. The fact that I had to reschedule all my appointments so that I would be able to accommodate buyer's schedule, did not matter to the buyer. The buyer had a need and I was happy to fill it because that is part of what I do - I find homes for buyers. So I made the appointment, printed detailed reports, drove by neighbourhoods to check them out for you and reported back to you diligently prior to your visit to this home.

For one reason or another, after that visit, we were not able to meet face-to-face for a few days. But I continued my diligent work for you. We spoke on the phone, texted and emailed back and forth, and stayed in touch, as per your request about this property. All seemed well.

I arranged a second visit, again as per your request. I arrived at the requested property for a second visit and waited for your arrival. After 10 minutes I decided to call and make sure you were still coming. You answered your telephone and with a very happy tone to your voice, said that you were going to finish the deal with your friend, who happens to be a realtor. He was too busy with his full time job (not real estate) and therefore you needed someone who knew about the home and the neighbourhood. You were so kind, Mr. Buyer. You did thank me for all the information that I provided and would I please continue to send more and give some advice on the Offer that should be presented. I must have paused for a second too long because the next thing that happened...you hung up the phone.

I've dealt with this type of buyer before, and each time I have said, “No More. From now on, if you don’t sign an agency agreement with me, I will not provide you with any further information.”

I have thought about what you did, and chastised myself for not following protocol. What you did was wrong. But that didn't matter to me at the time.

Now, I would like to thank you for your actions. I learned a lesson which will serve me well. Now, I will go on one date with you, at which time I will give you all the forms to read over at your leisure. I will not send you any valuable information unless I get the forms signed. If you do not want to be in an agency agreement with me, you do not deserve my services. No ifs, ands, or buts.

Please continue on your merry way and know that our brief encounter fared me well. I wish you the best of luck in your real estate endeavours. And the next buyer who calls me will know all the wonderful things he or she will be gaining by working with me exclusively. I will make sure I tell him/her.

Recently a listing came out in the neighbourhood where you wanted to live with your family. It was perfect for you. It had the lovely yard, was totally renovated, AND it was well below your budget. As I'm working with 4 or 5 people at any one time, this property was offered to my CLIENTS. My clients, are now under contract for this property. We have negotiated a great price and we are waiting for the closing date.

Yours truly,
A Happy Agent
Fine Homes in 905

Market Watch, Real Estate News

2010-05-05T16:58:00.000-07:00

More and more news about the housing market. Here is the most up-to-date Market Watch information. What's going on? Well, homes are selling, there's not enough inventory, buyers are looking for deals, and the list goes on. Multiple offers are still happening but not at the same pace.

I am still having trouble finding new listings. With the numbers that the Market Watch is showing, I often wonder why my buyers are waiting. Yes, interest have risen (they always do this time of year) but if you are well prepared and have spoken to your mortgage advisor, then you should be ready. You don't have to jump at the first home that you see, but there is a home out there for every single buyer.

Here's a bit of information from the Market Watch:

“The GTA resale market is functioning properly. Sales were high as buyers continued to take advantage of affordable home ownership opportunities. Listings grew as home owners reacted to strong sales and price growth,” said Toronto Real Estate Board President Tom Lebour. “More balanced market conditions will result in sustainable rates of annual price growth in the second half of 2010.”

The average price for April transactions was $437,600 – up 13 per cent compared to the average of $385,641 recorded in April 2009.

“Home sales continue to be driven by many different segments of the market, with sales growth for all major home types in both the City of Toronto and surrounding 905 regions,” said Jason Mercer, TREB’s Senior Manager of Market Analysis. “Home sales will remain strong in the second half of 2010, but will slip from the current record pace as borrowing costs rise.”

I have been very fortunate to have received a New Land Transfer Tax Calculator. It helps with some of the closing costs, also. Thank you to Stan Gelman, QC, Juris Doctor. A hands on lawyer that is available for your questions.

If you would like to discuss the new Market Watch, or just chat and open a line of communication, call me, Betty Bartusevicius, at 416 427 1875. Also,take advantage of my user friendly website offering more than just a lot of properties for sale. I provide a wealth of informative articles and information useful to all levels in real estate - from the first-time home buyer/seller to the seasoned sellers/purchasers.

Betty Bartusevicius, Sales Representative
Re/Max Reatly Specialists Inc., Brokerage
905 828 3434
Fine Homes In Nine Oh Five

Brampton Home For Sale

2010-05-04T18:07:00.000-07:00

Welcome to 14 Secord Crescent in Brampton. This home had the great room just painted in a beautiful neutral color. A fabulous 4 bedroom, 4 bath, all brick upgraded Semi-Detached home on a premium pie-shaped fully fenced lot. Enjoy your backyard privacy on a huge deck. Walk to the Go Station. Gleaming strip oak hardwood floors downstairs, ceramics floors in the kitchen and baths, and new laminate flooring on the second floor. A bright and large eat-in country kitchen. Main floor laundry. Gorgeous ensuite with a 6-jet Jacuzzi tub and separate shower. Inside door to the garage. Professionally finished basement with a 3 piece bath and a coldroom for extra storage.

For further pictures Click here

This home also offers a brand new built-in dishwasher and central air conditioner, central vacuum, fridge, stove, newer washer and dryer, hardwood flooring in the great room, ceramic floors in the kitchen and baths, new laminate flooring, deck, electric light fixtures, 5 ceiling fans, 4 bedrooms, 4 baths, a balcony, fully fenced deep lot, main floor laundry, and a 6-Jet Jacuzzi in master bedroom.

Call Betty Bartusevicius directly for more information on this home at 416 427 1875.
You can always email me at betty@bettybart.com and receive immediate service.

Betty Bartusevicius, Sales Representative
REMAX Realty Specialists Inc., Brokerage
OFFICE 905 828 3434
Fine Homes In Nine Oh Five

PSST: IF YOU KNOW SOMEONE WHO IS THINKING OF BUYING OR SELLING A HOME AND NEEDS MY HELP...FEEL FREE TO PASS ALONG MY NAME AND NUMBER TO THEM! ALL REFERRALS ARE GREATLY APPRECIATED
not intended to solicit buyers or sellers under brokerage contract

Second Line Elegant Home for Sale, Mississauga

2010-04-30T11:25:00.000-07:00

Welcome to 7203 Second Line West in Meadowvale Village, a coveted community in Mississauga. This fabulous custom built home is situated on a rare 242 Ft. deep lot on a Cul-De-Sac abutting the Credit River and Conservation Lands. Serentity and solitude await in this one-of-a-kind home boasting 5000+ Sq.Ft of living space. Also included are hardwood floors throuhout,a professionally finished basement with Nanny quarters, 2 - storey ceilings, custom draperies, wainscotted walls, professionally landscaped and decorated.

For more pictures click here

Also included in this home are Stainless Steel Fridge, Cooktop, built-in double ovens, built-in dishwasher, $40,000 in custom drapes, designer light fixtures, imported granite counters, wine niche, closet organizers, fully landscaped rear yard with 1300+ Sq.Ft of outdoor living with fireplace and Bbq area.

If not this property, perhaps something else? Or maybe just to chat and discuss your options.

Call Betty Bartusevicius directly at 416 427 1875
Office: 905 828 3434
Email: betty@bettybart.com
Web Site: www.bettybart.com

If you know of family or friends in need of my assistance to buy or sell a home, feel free to pass along my contact information. All referrals are greatly appreciated.

not intended to solicit buyers or sellers under brokerage contract

New Land Transfer Tax Calculator

2010-04-26T14:52:00.000-07:00

With all the buyers and sellers that I meet on a daily basis, I often have the same questions, "What are the closing costs?" Sellers want to know what their financial responsibilities are, as do buyers. I try to inform all that I meet to the best of my ability. Well now, with assistance, I have on my web site a calculator that will give you the most important costs. With a click of a button, you can select the best answer that suits your situation, and sit back and relax. This calculator does the work for you.

Click here for your access. Visit www.bettybart.com under the Resource Title. It's page 1.

Thank you to Stanley Gelman, Q.C. for this information. Discuss with Stanley Gelman about rebates, and any other real estate legal questions that you might have. The fees quoted are for a normal residential purchase transaction up to $550,000. Additional Fees May Apply Purchase Mortgage $300 Title Insurance $250 - $350 (Relates to Purchase Price) Disbursements Searches Courier etc +/- $300.00 Rebates may vary; previous ownership and marital status. For additional information, please contact Stan Gelman at (905) 270-5110 or email Stanley Gelman, Q.C. (sgelman.sglaw@rogers.com) Closing costs calculator provided by Stanley Gelman www.wiselawyer.ca

As you start reading the documents that will be presented, I will inform you that I am a real estate agent, and that I will always suggest that you consult a lawyer if you have any legal questions. I would suggest contacting a specialists regarding mortgages, inspections, etc.

I hope that this is helpful. Remember, I try to provide you with as much helpful information to guide you through the real estate process. No pressure tactics, just honesty and professionalism.

Do you have any questions about the elegant neighbourhood of Lorne Park, Mississauga Real Estate, or prestigious Oakville Real Estate? Give me a call directly at 416 427 1875 or email me at betty@bettybart.com.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
905 828 3434
416 427 1875
Fine Homes in Nine Oh Five

Tax Time Myths and Mistakes

2010-04-20T17:35:00.000-07:00

Thank you to John Scholl B. Mathematics, CGA, Consultant - Investors Group Financial Services Inc. for the following article. None of us want to think of Taxes this time of year, but that is what is first and formost on all our minds right now. We are all digging around for those receipts and making sure our calculations are correct. Panic sets in and we all want to make sure we file on time.

Some of the information below may appear simple, but it's the simple things that we tend to forget.

Managing Your Money

Organize your shoebox – common tax time myths and mistakes

It might be a shoebox or a big file folder or even a paper bag from your grocery store. It’s the place where you stash all the receipts, tax slips and other stuff that you think you’re going to need come tax time. And when you pull all of that out it can become … very confusing.

Tax Time Myths

I don’t have any income so I don’t have to file. You should always file a tax return so you can claim the GST/HST credit, the Canada Child Tax Benefit, and other tax credits and deductions that may result in a refund.

I’m too young to file. Young people should file a return even if their income is under the $10,320 basic personal exemption to get back tax withheld at source, to add to Registered Retirement Savings Plan (RRSP) contribution room, to trigger a GST/HST credit (if turning 19 in the next year), or to prove they have no income if applying for federal/provincial loans and bursaries.

My spouse can claim the child tax benefit for both of us. Each spouse has to file to get this credit.

I e-file my return so I don’t have to worry about receipts. Whether you e-file or send in a paper return, you must keep all supporting documentation in case the Canada Revenue Agency (CRA) asks for it, otherwise your claim can be rejected.

Tax Time Mistakes

Failure to file by deadline. If you are paying taxes, you will face a late filing penalty of 5% plus 1% for each month your return is late, up to 12 months. You will also lose the option of lowering taxes through income-splitting.

Incorrect calculations. According to the CRA, tax return math mistakes are very common. You could end up paying more than you owe.

Failure to file a caregiver’s claim. You can make this claim as a parent taking care of a disabled child or your aging parents.

Claiming invalid expenses on employment income. You can claim only those expenses actually related to your job, such as automobile or home office expenses. Other expenses –dry cleaning, for example – do not qualify.

Not reporting a common law relationship (including same sex couples). You must file as a common law couple to receive the same treatment as married couples.

Not being aware of new credits. For example, the Home Renovation and First Time Home Buyers’ credits are new this year.

Your personal ‘shoebox’ can take many forms. A professional advisor can help you sort it all out to your best financial advantage at tax time and for all the times of your life.

John Scholl B. Mathematics, CGA, Consultant - Investors Group Financial Services Inc.
200 - 24 Queen Street East,
Brampton, Ontario L6V 1A3
Wealth Management & Financial Planning
Phone: (905) 450-2891 X529 Toll Free: 1 (866) 799-2223 x529 Cell (416) 731-3660 Fax: (905) 450-9747
I strive to continually improve my wealth management practice to be worthy of the referrals received. I build my business one introduction at a time, and would consider it a great compliment to be introduced to one of your business associates, friends or family.

Betty Bartusevicius, Sales Representative
Re/Max Realty Specialists Inc., Brokerage
Fine Homes in Nine Oh Five
905 828 3434
Directly at 416 427 1875

Lorne Park Lot For Sale

2010-04-13T18:34:00.000-07:00

Welcome to 1542 Birchwood Drive, located in the prestigious neighbourhood of Lorne Park in Mississauga. The property is being "Sold As Is". The home interior will not be shown! High demand neighbourhood! Build your dream home. Surrounded By Multi-Million Dollar Homes.

The sellers would like to exclude the garden benches, patio stones in the rear yard and planting urns and pots that are now located on the property.

This property is located in the highly regarded school Lorne Park school district.

Give me a call and discuss.

Call Betty Bartusevicius directly at 416 427 1875
Re/Max Realty Specialists Inc., Brokerage
Fine Homes in Nine Oh Five
betty@bettybart.com
www.bettybart.com