Please contact Jay or Molly for more details or to view this property 647-273-1119

If you wish to get more details on this property, please call Jay and Molly Banerjei at 647-273-1119

Jay and Molly Banerjei of Re/max with the Toronto Real Estate Board present:

Absolutely gorgeous 3 bedroom townhouse with 3 washrooms in a demand area. Living room, dining room and the family room are on the main floor. Gleaming hardwood floors. Family room with a gas fire place. The entire second floor has been dedicated to master bedroom that overlooks a sundeck. 5 Piece ensuite, large his and hers closets, luxurious plush carpets. Gorgeous kitchen ideal for entertaining. Access to the house from the garage for those cold days.
Large 2nd and 3rd bedrooms on the third floor. Skylight and ensuite laundry.
5 appliances are included in the sale.

For more details on the property please Call Jay or Molly immediately at 647-273-1119.

High debt can be in the way of owning your dream home. If you see your debt rising, but you just can’t seem to stop using your credit cards? Well you are not alone. Unfortunately there are thousands of others who are in the same boat as you because it’s quite easy to grow dependent on credit cards for impulse buys and even everyday expenses. But, if you’re starting to drown in your debt, you have to stop using your credit cards before the debt consumes your life. Therefore take a couple of hours to come to terms with your situation. Most of the time we are so busy that we do not even have the time to realise the gravity of the financial crisis.

If this describes you, you are not alone. This has become the North American way. The good news is that you can change this. Take small, baby steps. Get a professional like myself in your corner who can be a coach to you. Hold on to your dream.

Start by taking a picture of the home you want to buy. Place the picture where you can see it regularly so that your goal is always in front of your eyes. This will be a powerful motivator. Carry a copy of this picture in your wallet. Every time you have the urge to spend, take a look at your Dream Home. In addition to this take a few of the following steps and you will be well on your way to being financially FREE.

1. Inactivate your Card immediately

One call to your cardholder is all it takes to inactivate your credit card. You can easily quiet a nagging desire to use your card by thinking of the embarrassment you’ll feel when the clerk says your credit card has been denied. Closing credit cards can have a negative impact on your credit score, so make sure you’re not closing a card you should be leaving open.

2. Cut the Card up or shred it.

Office shredders work just as well on that little piece of plastic as it does on your paper. If your credit card is in pieces, there’s no way you can swipe it. Don’t have a shredder? Scissors work just as well. Cut the card up into small pieces so the credit card number can’t be guessed by identity thieves.

3. Don’t go to the Mall. Visit a friend instead.

If you have an urge to engage in retail therapy, go visit a friend instead. Enjoy a cup of coffee and forget about the visit to the Mall.

4. Place the card in the safety deposit Box.

The “out of sight, out of mind” approach might be the thing to work for you. Put your credit cards somewhere that takes effort to get them – in a safe, file cabinet, the bottom of the laundry. Keeping your credit cards out of your immediate reach will help control your “need” to use them.

5. Do the Math

Have you ever thought about the amount of money you spend in interest each year? Or the length of time it will take to pay off your credit cards? Sometimes the numbers will shock you into putting your credit cards away for good. A $1,000 balance at 14% will take you 4 1/2 years to pay off if you make $25 payments each month. You’ll have paid $347.55 in interest by the time you pay off the balance.

6. Reward yourself.

Positive reinforcement goes a long way in building a habit. We use it with our kids and with our pets. Why not use it with ourselves? Each week that you don’t use your credit card, treat yourself to something you like but don’t ordinarily allow yourself to indulge. Keep your treats on the inexpensive/free end of the spectrum so you don’t upset your monthly budget.

7. Just say NO

Being able to tell yourself “no” is a skill that goes beyond using credit cards. The same self-discipline that gets you to work on time each morning can also be used to stop using your credit cards. Think twice about swiping your credit card just like you’d think twice about pressing snooze just one more time.

8. Find an accountability Partner

Finding someone that can hold you accountable to your goal can be very helpful. Give them permission to check you. Call them immediately when you have the urge to use the credit card. When they say ‘STOP’ do it right away.

9 Create a budget

Sit down and create a realistic budget. It does not have to be complicated. List all the expenses and then add the total income. Stick to the budget. If you fail, don’t beat up on yourself. Try again. Celebrate every small victory.

10 Begin an Exercise programme

Exercise can decrease ‘stress hormones’ like cortisol, and increase endorphins, your body’s ‘feel-good’ chemicals, giving your mood a natural boost.

As long as you follow some of the suggestions listed above you will be on your way to achieving your goal of owning your Dream home. If you feel that you require additional help, CALL US. We are here to help.
Take us up on our “YOU CAN DO IT” Challenge.

Together ‘We Can Make It Happen”

February is Black History Month. This month is dedicated to celebrating the values of perseverance and dignity that have defined the black community in Canada.

Jay and Molly Banerjei want to congratulate four outstanding Canadian icons whose stories characterize the pride, strength and dignity that have driven black Canadians to realize their ambitions in different fields.

John Ware, born into slavery in South Carolina, moved to Alberta where he achieved success and fame. As a pioneer of “steer wrestling,” his legacy is enjoyed by more than a million people each year at the Calgary Stampede.

Carrie Best broke down barriers and changed mindsets – thriving as a broadcaster, author, human rights activist and the founder of the first black-owned newspaper in Nova Scotia.

“Two of Canada’s greatest athletes also overcame obstacles and changed attitudes in professional sports. Ferguson Jenkins became the only Canadian player to be enshrined in the Baseball Hall of Fame, while Jarome Iginla was the first black captain in the National Hockey League.

During Black History Month all Canadians will have great opportunities to learn more about the important contributions of black Canadians to our great nation.

Check out their full blog-posting below from Google LatLong:

At Google one of our key philosophies is to take risks and to experiment. To that end, in July 2009 we announced the ability to find property for sale or rent directly on Google Maps. This is one of the “search options” next to the search box on Google Maps, and is currently available in the US, Australia, New Zealand, the UK and Japan.

In part due to low usage, the proliferation of excellent property-search tools on real estate websites, and the infrastructure challenge posed by the impending retirement of the Google Base API (used by listing providers to submit listings), we’ve decided to discontinue the real estate feature within Google Maps on February 10, 2011.

We’ve learned a lot and been excited to see real estate companies use Google Maps in innovative ways to help people find places to live, such as Coldwell Banker’s use of Google Maps and YouTube, or Realtor.com’s Android app that lets you draw a shape on a map to find all properties you’re interested in.

Yet we recognize that there might be better, more effective ways to help people find local real estate information than the current feature makes possible. We’ll continue to explore this area, but in the meantime, Google offers other options to home-seekers: you can still access other information in Maps such as local businesses, directions and transit times, as well as aerial and Street View imagery to explore where you might want to move, and also use Google search results to find helpful real estate information and websites.

Real estate companies can also continue to use tools from Google to help connect with buyers and renters who use the Internet to research properties. For example, companies can use the Google Maps API to embed customized maps that are useful to potential clients right on their own web pages. Our Google for real estate professionals site contains various methods for generating leads and improving real estate business operations.

So if you are looking to Buy/ Sell a home in Scarborough, Pickering or Ajax, Call us. We have the local knowledge and the expertise to help you get, what you want in the time that you want. Isn’t that great?

Call us today 416-286-3993

Water is a vital resource necessary for our survival. However this precious resource is depleting at an alarming rate in the world. We are blessed to have an abundance of fresh water available to us in Canada.
However if we don’t adopt immediate measures to conserve it then we too will be like the rest of the world. We have included simple tips that can be incorporated into our daily lives. These small measures adopted voluntarily will have huge impact on water conservation.

• When washing dishes by hand, don’t let the water run while rinsing. Fill one sink with wash water and the other with rinse water.
• Some refrigerators, air conditioners and ice-makers are cooled with wasted flows of water. Consider upgrading with air-cooled appliances for significant water savings.
• Adjust sprinklers so only your lawn is watered and not the house, sidewalk, or street.
• Run your clothes washer and dishwasher only when they are full. You can save up to 1,000 gallons a month.
• Choose shrubs and groundcovers instead of turf for hard-to-water areas such as steep slopes and isolated strips.
• Install covers on pools and spas and check for leaks around your pumps.
• Use the garbage disposal sparingly. Compost vegetable food waste instead and save gallons every time.
• Plant in the fall when conditions are cooler and rainfall is more plentiful.
• For cold drinks keep a pitcher of water in the refrigerator instead of running the tap. This way, every drop goes down you and not the drain.

As Home owners, lets do our bit.

Pre- Pack Early.
Now that you have decided to List your home here are some helpful tips that can assist you in getting your home sold for the most amount of money in the shortest possible time. Get a head start on your move by pre-packing. Start putting things that you do not need immediately in boxes and store them away. This will create more space in the house and cause your home to appear bigger.

• Remove all personal and family photos
• Remove all memorabilia
• Pre-pack books and music that do not appeal to a wide range of buyers
• Pre-pack your collections
• Do you have belongings that could be potentially disagreeable to buyers?
• Remove and pre-pack any items that could be potentially offensive or disagreeable
• Store away and organize children’s toys, games and books

This will allow the buyers to focus purely on the house.

So if you are thinking of putting your house on the market, call me for a FREE consultation.

Congratulations!!!!!!.

You have made a great decision. It is my pleasure to help you in this decision. When you buy, I will pay your Legal Fees.

Buying a home is the best investment in addition to being a great source of Pride of Ownership. It is an exciting  journey and it is my job to make this journey fun and exciting along the way.

 You say Jay, “That is not how I feel. I am stressed. How can you tell me to have an enjoyable experience while searching for a property?”

My response to you is ,”yes you can have fun looking for a home and you should be able to go through the process with confidence and in a stress free environment.”

What causes stress is the fear of not knowing what to do or the fear of making a mistake or the fear that you might be cheated or that you may not be able to find the BEST choice available to you or that if you do find the right home, will you be able to get the mortgage, or that will you be able to afford it or that will you be able to Sell your existing house for the most amount of money and get a bargain on the one you buy?

If you are feeling any or most of these things, you are not alone. How do I know this? I know this because I have helped thousands of people buy their homes in the past twenty years. I understand this.

As a Professional, it is my job to alleviate all your tension. I will:

• Provide you ALL the information that you need to make an intelligent decision.
• Procure the best mortgage rates from the chartered banks FREE of charge.
• Expose you to the entire inventory of homes available.
• Give you a list of ALL the costs involved.
• Inform you of all the incentives that may be applicable to you.
• Provide you a FREE hotline to legal/financing advice.
• Negotiate the best price on the property that you choose to buy.

You see it is in my best interest to help you get what you want in the time when you need it. When you buy, I get paid by the seller. When I do a great job for you, you become my client for life and in addition to that you will send ALL your friends and family to me.

So what do you have to do now?

Contact me right away. I will create a custom plan for you based on your needs and requirements. Purchasing a home is easy once you put your plans into action.