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td Miller Real Estate Ltd thutmt9NEER: REPRESENTATIVE AUCTtONEER: thndd Crook' AUCTtONEEit? 7 David Crook' REPRESENTATIVE: Cindy "urrqthttes' REPRESENTATIVE Barry W“ " SUNDAY, APRIL 25TH AT 1 RM. 1208 GREENWOOD CREW. OAKVILLE OPEN HOUSE THIS SUNDAY 2-245 PM SUNDAY MARCH 14 3:15-4:00 PM. REALTORS Rril0lREIl FOR PMNRTY AUCTION DIVISION 403 Bronte Rd., Oakville 797 Barton St E., Hamilton 1208 Greenwood Cres., Oakville 3012 Riverview St., Oakville 4 hdustrial Rd., Mr. Brydges Sunrise Hartrourage, Sault Ste. Marie 93 Roxborough Dr., Rosedale the young tam SUNDAY. MARCH 28TH AT 3:00 RM 403 BRONTE ROAD, OAKVILLE INSPECT THIS SUNDAY 2:30-3:15 Inside and UPCOMING AUCTIONS FULL ENSUlTE-BASEMENT/ FAMILY ROOM WALK.OUT A RESIDENCE OF UNIQUE FINISHING TOUCHES RE AUCTION AUCTION Md Crook" David Black AUCT3ONEER: David Ctoote REPRESENTATIVE Cindy Humphrbs' Century 21 Millet and Estate (416) 8458180 alt/J. Cash Recures Ln 5. Mr. 3.Mr. R Cashtotti00,000in0attvihr.R-e CIRCA 1927: ON l ACRE (AWNXJ FACING SOUTH TO ME ROSEDALE RAVINE UNIQUE COMMERCIAL PROPERTY ON EXPANSING 1 ACRE (approx.) LOT ' Ill-lli Toronto _t.osrtg - at racer! awn wanes trttri.it36.00tlat)hqmtutittAtertt itestMtgg2t'a',t,'lttM'gyi sad fNltaQtClftfllei Mrt.J.,puterrto, wash!!!” SATURDAY, APRIL 24TH AT 1 110 PM 797 BARTON STREET E.. HAMILTON ALFRED CHAPMAN'S "ROSE HALL" SATURDAY. APRIL 3RO AT 1 :00 RM. 93 ROXBOROUGH DRIVE, TORONTO "By Appointment Only" 1 ACRE COMMERCIAL LOT Plus BUILDINGS GMs.G HOMES WANTED to Castito , 3459 'aiTito AUCTION NOTE: flgtml I) ammo ash h M. S900,000 in East Oakville amt“!!! '850,000 tor Whom. 467 Spears Rd 11m leaded VIZ :oul'ngs, LL11 Mm 34 Through their real estate boards, realtors have access to consumer information on energy efficiency in a pro- gram developed jointly by The Canadian Electrical Since the energy crisis of the early '70s, all sources of energy, whether for trans- portation, manufacture or personal comfort, have gained particular signifi- cance, as witnessed by the ever-growing environmen- tal concerns in our society. The inclusion of energy fac- tors as a condition of mort- gage financing makes it obvious why housing con- sumers should pay close attention to the structure and over-all condition of any house. Most lending institu- tions, for example. now add the energy costs to the PIT. f o r m u l a (Principal + Interest + Taxe s) in establishing a potential buyer's debt service ability. This invariably brings into focus a need for the skills to assess properly the energy efficiency of a home and its potential effect on the trans- action; this is one area of mortgage financing where realtors can help. For instance. realtors can explain the benefits of pre- qualifying potential buyers for mortgage financing. This lets the purchaser know precisely the type of home that can be afforded. and assures the seller that an offer to purchase is made by someone who can assume the required finan- cial responsibility. An educated realtor your best resource These and countless other courses represent the minimum requirements for licensing which are updated regularly to reflect an increasingly sophisticated marketplace and to meet legitimate consumer expec- tations. Real estate practitioners must continually update their skills and training to protect the interests of con- sumers and, by the same token. ensure the ultimate In service Contract Law, Mortgage Law, Law of Agency, Mortgage Financing and Standards of Business Practice: these are but a sampling of the courses an aspiring real estate practi- tioner must complete before being licensed by a provin- cial governing body to trade in real estate. This article is sup- plied by The Canadian Real Egtate Association to benefit consumers in the housing market. For more information about the purchase or the sale of a home, contact your local real estate board, or get in touch with your neighborhood realtor. _ In the home buyer and home seller scenario, this simple energy checklist will serve two important purpos- es: for the potential buyer, it could determine the over-all ability to carry the mort- gage costs, and for the sell- er, it could mean doing a few inexpensive renova- tions and repairs to increase first, the chances of a trou- ble-free sale and, by exten- sion, the buyer market base which is so important when putting a house up for sale. The simplest way to determine the energy effi- ciency of a home is the feather test: glue a downy feather to a toothpick and run it along window and door frames. wall outlets and exhaust vents, if any. Drafts are the major cause of either heat loss in the winter or heat intake in the summer which, incidentally, are good indicators of a home's energy efficiency. A careful look at the heating system, its type, the degree of insulation (by looking behind a wall outlet, for example). ventilation, the types of doors and win- dows, the lifestyle of the actual occupants and, of course, the energy bills, will all help in determining the energy consumption factor. From a marketing stand- point, the energy factor is very important to a residen- tial property transaction. It's therefore wise to follow a simple energy checklist with the help of your real- tor, whether you’re buying a house, or trying to sell one. Association, Energy, Mines and Resources Canada and The Canadian Real Estate Association. The purpose of this program is to help such consumers identify these energy factors and their impact on the purchase or sale of a home. Simply put, energy expenditures might very well make or break the sale.