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February 8th, 2010 
Jeffrey Joseph
Broker
Irene Joseph
Salesperson



Harvey Kalles Real Estate Ltd., Brokerage
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                                               Featured Homes
MLS® #: C1779094
Title: LAWRENCE PARK
Address: 51 Weybourne Cres, Toronto
Price: $3,850,000.00
Status: Available For Sale
Bedrooms: 4+1
Bathrooms: 6
Intersection: Yonge/Chatsworth
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MLS® #: C1778641
Title: FOREST HILL VILLAGE AREA/SUBWAY
Address: 19 Lower Village Gate, Unit 403, Toronto
Price: $899,000.00
Status: Available For Sale
Bedrooms: 2
Bathrooms: 2
Sq. Feet: 2000-2500
Intersection: Spadina/St Clair
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MLS® #: C1747909
Title: YORKVILLE AREA
Address: 110 Bloor Street West, Unit 701, Toronto
Price: $999,999.00
Status: Available For Sale
Bedrooms: 2
Bathrooms: 2
Intersection: Also Known As 145 Cumberland
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MLS® #: C1783264
Title: YORKVILLE AREA
Address: 14 Bishop St, Toronto
Price: $785,000.00
Status: Available For Sale
Bedrooms: 1+1
Bathrooms: 1
Intersection: Yorkville/Davenport
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THE TORONTO MARKET IS BACK............BIG TIME!! 

The Buyers Are Buying, So Now Is The Time To Be Selling.  2009 Sales Are Amazing Compared To 2008.  Interest Rates Are Still Ridiculously Low, And There Is A Shortage Of Listings In Some Areas.  If You Were On The Market Previously, And Didn't Sell, Try It Again Now.  The Timing Just Couldn't Be Better.  Please Take A Look At The LATEST TORONTO STATISTICS In The Left Menu, Bottom Button.

Call Us For An Accurate Evaluation Of Your Property.  We Will Provide A Top Notch Marketing Plan, And, Tell You About Our Satisfaction Guarantee. 

If You Are A Buyer, It Would Be A Good Idea To Hire Realtors, Us For Example, To Help Navigate This Difficult Market.  We Will Discuss A Plan To Find The Right Home For You, Be It A House, Or A Condominium Townhome Or Apartment,  There Is A Guarantee Here Too. 

We've Worked Together Since 1984 And Have Developed A Synergy Effect That Works Very Well.  Call Us At 416-782-7000, Or Email: jeffreyjoseph@realtor.com

        Search By Toronto Real Estate Board Central Districts
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Click here To See Collections Magazine By Harvey Kalles

Kalles Collection

Winter Edition Now Available

It's Best Not To Combine A Mortgage And A Line Of Credit

Beware Of Loans Tied To 'Real' Mortgage

After Nathaniel and Danielle signed a contract to buy their Toronto dream home for $450,000, they contacted a mortgage officer at their bank to arrange financing. Their down payment of $115,000 represented more than 25 per cent of the purchase price, and they applied for a conventional first mortgage of $335,000.

At least, that's what they thought they were getting. In addition to the underlying mortgage loan, however, the bank representative talked them into taking a line of credit, which they could draw on at any time in the future if they needed to borrow more than the $335,000 mortgage.

The mind-numbing agreement that the banker had them sign contains 29 pages of small print that would cure even the most stubborn case of insomnia.  MORE

Mortgage Rate Update 

At The Rates Below, It Is A Great Time To Make A Purchase.  We Will Negotiate The 'Right Price' For You.  If Not, We Will NOT Encourage You To Raise Your Price, But We Will Recommend To Walk Away And We Will Find Another One.  The Selection Is Very Good In Some Areas Now, But Not In Others.  Historically, Real Estate Has Always Bounced Back From Downturns, And The Lows That We Have Experienced Over A Few Different Decades, Are Still Higher Than Some Of The Previous Highs!  But, It's Not Just About Money.  It's About You, And Getting What You Want.

If You Have Moving On Your Mind, With The Ridiculously Low Mortgage Rates Currently Available, Now Is A Really Good Time, And, With About 60,000 to 100,000 People A Year Moving Into The GTA, The Demand For Real Estate Will Always Be Good In The Long Run, So Real Estate Is Quite Probably The Very Best Investment That You Could Make.  With Government Incentives, Tax Benefits, And You Can Live In This Investment, A Home Is Definitely The Investment Vehicle Of Choice.  Tried Living In A Stock Certificate Yet?  How About Inviting Your Friends Over To Visit You In Your Bonds?                            

                                             Term        Posted    Yours
6 Month 4.60%3.50%
1 Year3.65%2.30%
2 Year3.95%2.90%
3 Year4.30%3.25%
4 Year5.04%3.74%
5 Year5.39%3.69%
7 Year6.60%5.19%
10 Year6.70%5.30%
Variable Rate2.00%
Prime Rate2.25%

                                                                                    
                         Rates Last Updated: Friday, February 5, 2010

                                     Rates Can Change Without Notice  

These Rates Are Passed Along To Us By Mortgage Professionals,  We Recommend Engaging A Professional Mortgage Broker To Help Arrange Your Financing, And We Would Be Happy To Get You Connected With One.  We DO NOT Take Any Commissions Or Kick-Backs. Call Or E-Mail Us To Find Out Why The Recommendation And How It Works; No Charge Or Obligation.

Did you know?
WHAT GOES UP DOESN'T ALWAYS COME DOWN!DOES YOUR PRESENT AGENT PROVIDE SATISFACTION GUARANTEES?LESSONS IN REAL ESTATE
Toronto finds itself in a surprising situation: The economy stalled, but house prices didn't. What happens if you had a recession and housing prices didn't really go down? That's the scenario Toronto could be in by the end of 2009, as economists scramble to revise forecasts. Toronto housing economist Will Dunning is forecasting that the average price of an existing home in the Greater Toronto Area will be Wether You Choose Us To Represent You In Buying Or Selling, We Will Provide A Written Guarantee. If You Are Not Satisfied With Our Services, You Can Cancel The Agreement (Some Conditions Apply) Click On MORE For Additional InformationWhat Are The Three Most Important Things To Know About Real Estate? No, It Is Not Really Location, Location, Location! That Has Been The Belief For Many, Many, Many Years. The Real Answer Is: VALUE, VALUE, VALUE! To Have A Well Developed Perception Of Value. Of Course The Location Will Play The Most Important Component In Making Up The Value In Conjunction With Other Factors, For Example, The Lot, The Way The Building Is Sited (What Do You See When
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GETTING THE HIGHEST PRICE FOR YOUR HOME8 COMMON MISTAKES MOST HOME SELLERS MAKEWHY USE A REALTOR WHEN BUYING A HOME?
BEFORE YOU PUT YOUR HOUSE UP FOR SALE. The days of sticking a "for sale" sign on the front lawn and expecting a house to sell are long gone. Selling a house isn't easy - a lot of hard work goes into getting your home ready for the market. In today's competitive marketplace, careful steps must be taken to ensure that you receive the best possible price for your house. The selling process can seem intimidating. There's so much to d1. Failure to effectively market the property. Good marketing distinguishes your home from hundreds of other Toronto Homes on the market, selling its benefits not just its features. Open houses and print advertising (the most obvious) are only moderately effective. Only 1% of homes are sold at open houses,1. The Price Is Right - NO CHARGE - The Seller Pays Our Fee. 2. The Agent That Represents You, Has A Fiduciary Obligation To You, ie, To Put Your Interests Above Their Own. We Know It's Hard To Believe, But It's True. There Are Severe Penalties If We Do Not. (See The Code Of Ethics Available On The Menu To The Left Of This Page). 3. It Is The Job Of Your Agent, To Get The Most Possible Home For
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