Bramalea Beauty – 54 Meadow Bush Court, Brampton

1184291Welcome to 54 Meadow Bush Court in Brampton. This lovely 4 bedroom home is located on a family friendly court in a great neighborhood. Backing onto a wooded ravine with an extra deep backyard this makes for the perfect setting with lots of privacy, plenty of room to entertain family and friends and tons of room for the kids to play. As you approach this family home you will notice the extra wide driveway with added parking for that leisure vehicle or additional family car. The front interlocking walkway with flower gardens will lead you to the front porch where you will enter this lovely home through the front door with stained glass insert. The sunken front foyer with ceramic floor takes you to the conveniently located 2pce powder room with pedestal sink, crown moulding and side window. The foyer also has a double door coat closet with organizer and there is an entrance to the double car garage with remote openers. The gleaming hardwood floor in the main hallway will lead you to the sun filled kitchen at the back of the house. This family sized eat-in kitchen overlooks, and has a great view of the backyard and wooded ravine. The large windows across the back add tons of sunlight and the patio door walk-out takes you to the backyard patio with gazebo, great for BBQing and entertaining family and friends. This lovely kitchen also boasts a ceramic floor, ceramic backsplash, plenty of oak cupboards, built in oven, gas countertop stove, built-in dishwasher, double sink, ceiling fan, and an entrance to the basement. Giving a great open concept feel the kitchen overlooks the main floor family room. It features hardwood flooring, a gas fireplace, crown moulding and a practical second patio door walk-out to the backyard patio. You will also find on the main floor a separate formal living room and dining room each with double french doors, hardwood flooring and crown moulding. The dining room also has a single french door that opens up to the kitchen which is perfect for entertaining. A mirrored accent wall and 2 side windows are also in the dining room. The living room overlooks the front yard and features a bright bay window. The staircase will lead you to the upper hallway where you will find 4 bedrooms all with broadloom flooring. The elegant master bedroom is located at the front of the house and has 3 nice windows making this room bright and airy. There is crown moulding, a walk-in closet with closet organizer, and a 4pce ensuite bath which has been updated with ceramic floor, all ceramic walls, pot lights, crown moulding and a Jacuzzi tub. The second bedroom also overlooking the front yard has a nice bay window and also features a walk-in closet. The third bedroom overlooks the backyard and ravine. It features the third walk-in closet making for lots of extra storage space, and the fourth bedroom is also located at the back of the house. Upstairs you will also find the main 4pce bath with ceramic floor and walls and a linen closet in the hallway. With two patio door walk-outs this extra deep backyard is perfect for entertaining family and friends and has tons of room for the kids to play. With lots of privacy, fully fenced, mature trees, a patio area, and you can enjoy nature right in your own backyard. For convenience and low maintenance there are underground sprinkler systems in the front & back with rain sensors. The open concept unfinished basement is awaiting your own personal touches, it features a laundry room, cold room, storage, and already has a rough-in for a 3pce bath and gas fireplace. This terrific family home has been immaculately maintained and shows true pride of ownership, it has many other great features such as: central air conditioning, central vac, alarm, garage door opener, and is located close to shopping, schools and much more. All appliances (except freezer in basement), window coverings, and electric light fixtures are included.

Brampton: T by Daniel Arrives in Brampton Downtown

T by Daniel and ShirleyThursday Brampton had a real treat. It was the opening of T by Daniel. Daniel is a young ( Thursday was his 26th Birthday) entrepreneur who I have had the pleasure of knowing for a few years now. I first met him at a Brampton Board of Trade Event. For a while he was a member of our Morning Networking Group and he is an Ambassador for the Board of Trade. He had an online T business and was working day and night to get it on the map. After a few years online here he is. He now has a Brick and Morter Store in Downtown Brampton. Its right on Main St.

Shirley Hall and I decided to pop in and see the store on Thursday after the Brampton Board of Trade Federal Budget Commentary at the Brampton Golf Club. It was a pleasure to have a meeting here and I am sure Shirley and I will have many more. We both had a cup of the house specialty LION tea. If your a Pumpkin Spice Coffee lover, this tea will convert you.

Don’t forget to drop in and see Daniel at 46 Main Street N, Brampton. You can call him at 905453-TEAS or ofcourse he’s on Facebook and Twitter. Drop in and have a cup of Tea. You’ll Enjoy it and supporting local Business feels so Good or you can visit him online at TbyDaniel.com.

Update from the Canadian Real Estate Association

New post on CREA News

Canadian home sales little changed in December
by pleduc

Ottawa, ON, January 15, 2013 – According to statistics released today by The Canadian Real Estate Association (CREA), national home sales activity was little changed on a month-over-month basis in December 2012, holding it in line with levels reported in August when demand first geared down in the wake of tighter mortgage lending rules.

Highlights:
•National home sales edged 0.5% lower from November to December.
•Actual (not seasonally adjusted) activity down 17.4% from December 2011.
•Number of newly listed homes dropped 1.3% from November to December.
•Canadian housing market remains firmly in balanced territory.
•National average sale price up 1.6% year-over-year in December.
•MLS® HPI up 3.3% in December, the smallest gain since April 2011.

The number of home sales processed through the MLS® Systems of real estate Boards and Associations in Canada edged down 0.5 per cent on a month-over-month basis in December 2012. While sales activity was little changed nationally, it picked up in just over half of all local markets in December.

“National sales activity continues to hold fairly steady at lower levels since mortgage rules were changed earlier in 2012, but there are still some real differences in trends between and within local housing markets,” said CREA President Wayne Moen. “As always, all real estate is local, so buyers and sellers should speak to their REALTOR® to appreciate how the housing market is shaping up where they live or are considering living.”

Actual (not seasonally adjusted) activity came in 17.4 per cent below December 2011 levels. Four of every five local markets posted a year-over-year declines in sales activity in December. Calgary remained a notable exception, with activity there having risen seven per cent year-over-year.

Sales were handicapped by December 2012’s five full weekends, since far fewer transactions take place on weekends. This trading day effect is among factors taken into account by seasonal adjustment.

“Similar to what we saw in September, December sales had fewer business days compared to the same month last year and most other years,” said Gregory Klump, CREA Chief Economist. “It factored into December’s year-over-year decline in sales activity.”

A total of 453,372 homes traded hands over Canadian MLS® Systems in 2012. This was down 1.1 per cent from annual activity in 2011, and 1.4 per cent below the 10-year average (2002 through 2011).

This marks the fifth straight year that annual home sales activity has held to within short reach of 450,000 units. “Successive rounds of tightening mortgage regulations have kept the housing market in check during what has become an extended low interest rate environment,” said Klump.

The number of newly listed homes fell a further 1.3 per cent month-over-month in December. Combined with monthly declines of 1.1 per cent in November and 4.1 per cent in October, new supply reached its lowest level since March 2011.

While Greater Toronto posted the largest decline, new listings were down in half of all local markets in December including Greater Vancouver, the Fraser Valley, and Vancouver Island.

“The decline in new supply may reflect purchase offers below asking price that are made to sellers who are under no pressure to sell. Instead they choose to take their homes off the market once their listing expires,” Klump said. “In the absence of economic stresses like a spike in interest rates or a sharp drop in employment, this dynamic can be expected to keep the housing market in balance.“

With sales and new listings moving lower, the national sales-to-new listings ratio was little changed at 50.8 per cent in December compared to 50.4 per cent in November. Based on a sales-to-new listings ratio of between 40 to 60 per cent, three out of every five local markets were in balanced market territory in December.

The number of months of inventory is another important measure of balance between housing supply and demand. It represents the number of months it would take to sell current inventories at the current rate of sales activity, and it too was little changed in November.

Nationally, there were 6.7 months of inventory at the end of December 2012, unchanged from its reading at the end of November. The number of months of inventory nationally has remained close to 6.6 months since August 2012.

The actual (not seasonally adjusted) national average price for homes sold in December 2012 came in just under $352,800, representing an increase of 1.6 per cent from December 2011. The national average price continues to be influenced by fewer sales in Greater Vancouver and Greater Toronto compared to the same period a year earlier. Excluding these two markets from the national average price calculation yields a year-over-year increase of 3.3 per cent.

The 2012 national average price for homes sold through the MLS® Systems of real estate Boards and Associations in Canada was $363,740, up 0.3 per cent from 2011. Netting Greater Vancouver and Greater Toronto from the annual figure yields a gain of 2.8 per cent.

Unlike average price, the MLS® Home Price Index (MLS® HPI) is not affected by changes in the mix of sales, so it provides the best gauge of Canadian home price trends.

The Aggregate Composite MLS® HPI rose 3.3 per cent on a year-over-year basis in December. This marks the eighth time in as many months that the year-over-year gain shrank and is the slowest rate of increase since April 2011.

Year-over-year price gains decelerated in for two-storey single family homes (+4.0 per cent) and apartment units (+1.2 per cent). By contrast, year-over-year growth accelerated in the townhouse/row segment (+2.0 per cent).

Price growth was unchanged from November’s reading for one-storey single family homes (+4.9 per cent).

The MLS® HPI rose fastest in Regina (+10.5% year-over-year), although the increase was the smallest since March. Price growth also moderated in Greater Toronto (+4.1% year-over-year) and in the Fraser Valley (+0.5% year-over-year).

By contrast, the MLS® HPI saw year-on-year growth accelerate in Calgary (+7.4%) and Greater Montreal (+3.3%). In Greater Vancouver, the MLS® HPI posted a 2.3 per cent year-over-year decline in December.

– 30 –

PLEASE NOTE: The information contained in this news release combines both major market and national MLS® sales information from the previous month.

CREA cautions that average price information can be useful in establishing trends over time, but does not indicate actual prices in centres comprised of widely divergent neighborhoods or account for price differential between geographic areas. Statistical information contained in this report includes all housing types.

MLS® is a co-operative marketing system used only by Canada’s real estate Boards to ensure maximum exposure of properties listed for sale.

The Canadian Real Estate Association (CREA) is one of Canada’s largest single-industry trade associations, representing more than 106,000 REALTORS® working through more than 100 real estate Boards and Associations.

Further information can be found at http://crea.ca/statistics.

pleduc | January 15, 2013 at 9:00 am | URL: http://wp.me/pkxN9-fI

March Newsletter Featuring Home Improvement Tips to Increase the Value of Your Home

 

The latest version of our HomeMarketWatch Insider newsletter
is now available on our website at:
http://www.bramptonhomeinfo.com/gold_newsletter.asp

Each month, we publish a series of articles of interest to
homeowners — money-saving tips, household safety checklists,
home improvement advice, real estate insider secrets, etc.
Whether you are currently in the market for a new home, or not,
we hope that this information is of value to you.  Please feel
free to pass these articles on to your family and friends.

—————————————————————–
If another person has forwarded this issue to you, and
you would like to subscribe yourself, go to the following link:
http://stayincontact.com/sub.asp?Param=aKvpXSpq5q3BB5q
—————————————————————–

This month’s features…

FEATURE REPORT:
– Home Improvement Tips to Increase the Value of Your Home

ALSO THIS MONTH:
– 13 Extra Costs to be Aware of Before Buying a Home
– 10 Questions To Ask When Choosing A Financial Planner

—————————————————————–
*** THERE’S MORE ON THE WEB… http://www.bramptonhomeinfo.com ***

Hire My Entire Team For LESS Than the Price of One Agent:
http://www.bramptonhomeinfo.com/team.asp

FREE Quick Over-the-Net Evaluation:
http://www.bramptonhomeinfo.com/homeeval.asp

Find Out What the Home Down the Street Sold For:
http://www.bramptonhomeinfo.com/gold_findout.asp

How To Beat Out Other Buyers to Hot New Listings:
http://www.bramptonhomeinfo.com/vip_buyer.asp

Ask One of Our Experts Your Real Estate Question:
http://www.bramptonhomeinfo.com/gold_askexpert.asp

Find Out How Much You Can Afford In Your Next Home:
http://www.bramptonhomeinfo.com/silver_mortgagecalc.asp

FREE BUYER’S SEMINAR, FEB 19th, 2-3pm

The government has set March 18 as the last day for 35 year amortizations. This means Lenders will likely stop accepting applications for 35 year amortizations in advance of the March 18 cut off. Approved deals that close after March 18 can still have 35 year amortizations as long as the deal is approved by CMHC/Genworth prior to the date (assuming the lender accepts the deal). Call us if you want to find out how you can benefit from this change. Time is running out.

I will also be hosting a FREE Buyer’s Seminar on Saturday, Feb 19th from 2-3pm at the Royal Bank, 901 Jane Street , Toronto , M6N 4C6 . You will get an update on Financing, Free Government Programs for First Time Buyers that may help increase your down payment by 30% in 90 days, Other Government Incentives, Investing, Distress Sales and an Overview of the National and Local Real Estate Market. Please email me at Ruth@RuthBallantyne.com to register.

Here is some excellent information about the changes for you to review.

National Home Show FREE Tickets

I am happy to offer you  a pair of VIP RE/MAX National Home Show tickets for the upcoming home show taking place February 18th – 27th. It is at the Direct Energy Centre, Exhibition Place.  If you would like a pair, please reply to this blog or email me. I will be at the RE/MAX booth on Saturday, February 19th from 10am-1pm, so please come by for a visit! I will have ballots for you to fill out for a chance for you to win an iPad!
 
The National Home Show is a must for anyone looking to restore, refresh, and renew their home and garden. This year’s show will have an amazing selection of renovation products and services. Over 700 retailers and industry experts will be on hand providing renovation tips, interior design ideas, gardening advice, and fantastic bargains! At the Main Stage, presented by HGTV, you can take home secrets from top celebrity home improvement experts. The lineup this year includes presentations by HGTV’s design gurus, Colin and Justin. Natural born teacher and host of HGTV’s Disaster DIY, Bryan Beaumler, will also make an appearance to pass on his home building wisdom. Other celebrity guests include decorator Karl Lohnes, Chef Romale Griarte, and many more.
 
I will also be hosting a FREE  Buyer’s Seminar on Saturday, Feb 19th from 2-3pm at the Royal Bank, 901 Jane Street, Toronto. You will get an update on Financing, Free Government Programs for First Time Buyers that may help increase your downpayment by 30% in 90 days , Other Government Incentives, Investing, Distress Sales and an Overview of the National and Local Real Estate Market. 
 
Keep in mind the government has set March 18 as the last day for 35 year amortizations. This means Lenders will likely stop accepting applications for 35 year amortizations in advance of the March 18 cut off. Approved deals that close after March 18 can still have 35 year amortizations as long as the deal is approved by CMHC/Genworth prior to the date (assuming the lender accepts the deal).  Call us if you want to find out how you can benefit from this change.  Time is Running out.
 
If you go to www.FitToBuy.ca and enter your VIP Prize Code on the back of the ticket, you will be entered to win the RE/MAX Ultimate KitchenAid® Home Appliance Contest. Good luck!
 
 Please let me know how you enjoyed the Home Show by emailing me at ruth@ruthballantyne.com

GTA REALTORS® Report Mid-Month Resale Housing Market

TORONTO, January 19, 2011 —

Greater Toronto REALTORS® reported 1,563

sales during the first two weeks of January 2011 – an 11 per cent decrease

compared to the first two weeks of January 2010.

“While off the record pace experienced last January, sales remain high from a

historic perspective and market conditions remain tight enough to support a

sustainable rate of price growth,” said Toronto Real Estate Board (TREB) President

Bill Johnston.

The average price for transactions during the first 14 days of January was

$413,565, representing a five per cent increase compared to the first two weeks of

January 2010.

“Average price growth continues to be supported by a positive affordability

picture. A household earning the average income can afford mortgage payments

associated with the purchase of an average priced home,” said Jason Mercer,

TREB’s Senior Manager of Market Analysis.

Third Best Year for Existing Home Sales

Third Best Year for Existing Home Sales

Greater Toronto REALTORS® reported 4,395 existing home sales for the month of December, bringing the 2010 total to 86,170 – down by one per cent compared to 2009.

“Market conditions were anything but uniform in 2010. We went from super-charged sales activity during the first four months of the year, to a marked drop-off in transactions in the summer and then in the fall saw sales climb back to levels that are sustainable over the longer term,” said TREB President Bill Johnston.

“New Federal Government-mandated mortgage lending guidelines, higher borrowing costs and misconceptions about the HST caused a pause in home buying in the summer. As it became clear that the HST was not applicable to the sale price of an existing home and buyers realized that home ownership remained affordable, market conditions improved,” continued Johnston.

The average home selling price in 2010 was $431,463 – up nine per cent in comparison to the 2009 average selling price of $395,460. In December, the average annual rate of price growth was five per cent.

“At the outset of 2010, we were experiencing annual rates of price growth at or near 20 per cent. This was the result of extremely tight market conditions coupled with the fact that we were comparing prices to the trough of the recession at the beginning of 2009,” said Jason Mercer, TREB’s Senior Manager of Market Analysis.

“Balanced market conditions in the second half of 2010 resulted in more moderate home price appreciation,” continued Mercer. “Expect the average selling price to grow at or below five per cent in 2011. With this type of growth, mortgage carrying costs for the average priced home in the GTA will remain affordable for a household earning an average income.”

Median Price
In December, the median price was $355,000, from the $349,000 recorded during December of 2009.

January Newsletter Featuring Don’t Pay Another Cent in Rent To Your Landlord

The latest version of our HomeMarketWatch Insider newsletter
is now available on our website at:
http://ruthballantyne.com/redir.asp?page=gold_newsletter.asp&t=sicNews

Each month, we publish a series of articles of interest to
homeowners — money-saving tips, household safety checklists,
home improvement advice, real estate insider secrets, etc.
Whether you are currently in the market for a new home, or not,
we hope that this information is of value to you.  Please feel
free to pass these articles on to your family and friends.

—————————————————————–
If another person has forwarded this issue to you, and
you would like to subscribe yourself, go to the following link:
http://stayincontact.com/sub.asp?Param=aL922QQjfjDfcmfk
—————————————————————–

This month’s features…

FEATURE REPORT:
– Should You Have the Air Ducts in Your Home Cleaned?

ALSO THIS MONTH:
– Don’t Pay Another Cent in Rent To Your Landlord
– 10 Questions To Ask When Choosing A Financial Planner

—————————————————————–
*** THERE’S MORE ON THE WEB… ruthballantyne.com ***

Hire My Entire Team For LESS Than the Price of One Agent:
http://ruthballantyne.com/redir.asp?page=team.asp&t=sicNews

FREE Quick Over-the-Net Evaluation:
http://ruthballantyne.com/redir.asp?page=homeeval.asp&t=sicNews

Find Out What the Home Down the Street Sold For:
http://ruthballantyne.com/redir.asp?page=gold_findout.asp&t=sicNews

How To Beat Out Other Buyers to Hot New Listings:
http://ruthballantyne.com/redir.asp?page=vip_buyer.asp&t=sicNews

Ask One of Our Experts Your Real Estate Question:
http://ruthballantyne.com/redir.asp?page=gold_askexpert.asp&t=sicNews

Find Out How Much You Can Afford In Your Next Home:
http://ruthballantyne.com/redir.asp?page=silver_mortgagecalc.asp&t=sicNews

Happy New Year!

https://youtube.com/watch?v=acxnmaVTlZAframeborder%3D0allowfullscreen

As the year come to a close, I would like to wish you and yours all the best for a Happy and Prosperous New Year

 

In Scotland New Year is called Hogmanay.  It is a great festive time, seeped in many customs and traditions.  Hogmanay is a bigger celebration than Christmas, especially for adults.   This may stem from the ban on Christmas that existed for 400 years.

Nobody knows for sure where the word “Hogmanay” came from. Opinions differ as to whether it originated from the Gaelic oge maidne (“New Morning”), Anglo-Saxon Haleg Monath (“Holy Month”), or Norman French word hoguinané, which was derived from the Old French anguillanneuf (“gift at New Year)  This is my favorite as it goes well with the Scottish tradition of First Footing. 

Here are some of the Hogmanay traditions:

I can remember my mum furiously cleaning the house for New Year’s Eve to welcome the New Year. It is considered ill luck to welcome in the New Year in an unclean house so the house was made especially pretty on New Year’s Eve.

Another old Scottish tradition at midnight the man of the house would open the back door to let out the old year, then open the front door to let the New Year in.     People would also open the windows to let the old year out. Some Households would make as much noise as possible to scare off the evil spirits and would read the ashes of the last fire of the year to see their luck (like tea leaves) for the New Year.  Scottish people are superstitious and dramatic.

All over Scotland, the tradition is to hold Hogmanay parties  or Ceilidhs (pronounced “Kailey”),  involving singing, dancing, the eating of steak pie or stew, storytelling and consumption of copious amounts of alcohol, which usually extend into the daylight hours of January 1 and maybe the 2nd and 3rd.  The first stroke of the Chimes at the New Year is known as the Bells.  At midnight people link arms and sing Auld Lang Syne.

After the bells, people go out visiting friends and family.  This is called first footing.  Some people carry a gift or a bottle of whiskey.  Traditionally people would carry a lump of Coal to give as a gift to the friends and family signalling prosperity for them in the New Year.  A toast of Lang May Yer Lum Reek (may your fireplace always have smoke- Live long and prosper)  or a Guid New Year to ane an a and mony may ye see (A good new year to one and all and many may you see).

The last time I spent New Year in Scotland we went to a Dance at the Ex Service Mans Club and then the entire family made their way down to Rick’s Gran and Granddad’s house to first foot them.  His Gran was happily waiting for us all with a good few bottles and a big pot of Stovies.  That was the beginning of a week-long New Year’s Party as we first footed every family home.

My Uncle Bobby and Aunt Jean were the New Year’s Day hosts.  Each New Year’s Day we would visit them and enjoy another party with a Steak Pie Dinner, Neeps (Turnip) and Tatties (Potatoes).  There would be another sing song and dance as the celebrations continued. 

Haste ye back, we loue you dearly,

Call again you’re welcome here.

May your days be free from sorrow,

And your friends be ever near.

May the paths o’er which you wander,

Be to you a joy each day.

Haste ye back we loue you dearly,

Haste ye back on friendship’s way.

 

Andy Stewart –Haste ye Back

Auld Lang Syne – Robert Burns

Should auld acquaintance be forgot,
and never brought to mind ?
Should auld acquaintance be forgot,
and auld lang syne* ?

CHORUS:

For auld lang syne, my jo,
for auld lang syne,
we’ll tak a cup o’ kindness yet,
for auld lang syne.

And surely ye’ll be your pint-stowp !
and surely I’ll be mine !
And we’ll tak a cup o’ kindness yet,
for auld lang syne.

CHORUS

We twa hae run about the braes,
and pu’d the gowans fine ;
But we’ve wander’d mony a weary fit,
sin auld lang syne.

CHORUS

We twa hae paidl’d i’ the burn,
frae morning sun till dine ;
But seas between us braid hae roar’d
sin auld lang syne.

CHORUS

And there’s a hand, my trusty fiere !
and gie’s a hand o’ thine !
And we’ll tak a right gude-willy waught,
for auld lang syne.

CHORUS

Lang my yer lum reek!

All the best for a Healthy Happy and Prosperous New Year,  Enjoy it, when it comes.