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bettys personal touch: Adapting To Your New Neighbourhood - 07/27/11 08:33 PM
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 … (1 comments)
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bettys personal touch: Penalties When Breaking A Closed Mortgage - 04/25/11 08:44 PM
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 … (0 comments)
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bettys personal touch: Buyers Representation Agreement - 03/30/11 09:21 AM
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 … (3 comments)
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bettys personal touch: First Impressions In Real Estate - 03/17/11 08:41 PM
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 … (2 comments)
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bettys personal touch: Avoid Uncontrolable Debt - 03/08/11 09:11 PM
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 … (2 comments)
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bettys personal touch: Improve Your Credit Score, Mississauga Homes For Sale - 02/22/11 08:50 PM
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 … (0 comments)
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bettys personal touch: Money Management - Portfolio Check Up - 11/29/10 08:59 PM
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 … (0 comments)
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bettys personal touch: 905 Specialist - 11/28/10 07:17 PM
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 … (0 comments)
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bettys personal touch: Bank of Canada Says ... - 11/10/10 03:09 PM
The last couple of days I've been getting a lot of updates about the slowdown of the housing market and interest rates. I read the Toronto Star every morning and I have done so for years. My my hubbie got me into it. Guess what I saw, big headlines about "NO BUBBLE BREWING" by Tony Wong. The article goes on to explain why - Canadians have binged on low interest rates, pushing up prices to levels that are now moderately overvalued. Average housing prices are about 11% overvalued, but the market is not experiencing a bubble and is unlikely to suffer … (2 comments)
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bettys personal touch: Happy Thanksgiving, October 2010 Market Watch - 10/07/10 08:45 PM
October, a time to be Thankful:I would like to take this opportunity to wish you and your families a very Happy Thanksgiving. Take a moment and think of the things that you are thankful for. I am Thankful to all the people who make, and have made, my life special and rewarding. People like YOU!beUp to now, the once-a-year cleaning chores had been carried out in the spring. Through the years, some of us have shifted many of these to the fall. Starting to clean up will ensure you have a cleaner home during the holiday season. We seem to keep … (0 comments)
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bettys personal touch: Managing Your Money, Mississauga - 09/26/10 07:54 PM
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 … (0 comments)
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bettys personal touch: Interest Rates Update, Mississauga - 09/08/10 09:41 PM
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 … (0 comments)
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bettys personal touch: More HST Updates - 08/16/10 09:32 PM
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 … (0 comments)
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bettys personal touch: Mortgage Rates Update - 07/21/10 08:41 PM
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 … (0 comments)
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bettys personal touch: Congrats To All University and College Grads - 06/17/10 09:16 PM
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 … (0 comments)
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bettys personal touch: Levi Creek Home for Sale, Mississauga - 05/28/10 08:42 PM
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 picturesAlso included in the price is the fridge, stove, washer, dryer, dishwasher, window blinds, and all existing electric light fixtures. There is … (0 comments)
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bettys personal touch: Welcome To The First Long Weekend of Summer 2010 - 05/20/10 09:56 PM
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! We all know that we'll be able to spend some time with family and friends. The garden centres will be extremely busy. I was at Sheridan Nurseries earlier this week and the staff was out in full and they were like busy little bees putting out plants, watering and getting things ready for the shoppers. I must say, I have participated in previous years, but I have now learned to wait another … (1 comments)
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bettys personal touch: Market Watch, Mississauga Real Estate - 05/05/10 08:42 PM
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 … (0 comments)
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bettys personal touch: Brampton Home For Sale - 05/04/10 10:02 PM
Welcome to a fabulous 4 bedroom, 4 bath, all brick upgraded Semi-Detached home on a premium pie-shaped fully fenced lot in Brampton. The great room in this home has just been freshly painted with a neutral color. 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 … (0 comments)
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bettys personal touch: Closing Cost Calculator - 04/26/10 07:19 PM
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 … (2 comments)
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Betty Bartusevicius
Mississauga,
ON
More about me…
Re/Max Realty Specialists Inc., Brokerage
Office Phone: (905) 828-3434
Cell Phone: (416) 427-1875
Email Me
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