Open House Friday November 20 & Sunday Nov 22 From 1-3PM at 1285 Blackmaple Drive (off of Highbury at Killaly Rd) 
Features!
Looks and Feels Brand New!(Only 10 years old) Great Functional Kitchen 
Upgraded Carpet
Reid's Heritage Built Sunroom Double Garage Fenced Back Yard, 3 bedrooms
21/2 Bathrooms (Cheater Ensuite, Jacuzzi Type Tub) Central Vac Lower 60% Completed
Great Safe Family Neighbourhood Easy Access 401 & Airport
Close to Shopping, Schools and more All for only $244,900
Using Your RRSP to Buy or Build a Home in Canada
Through Canada's Economic Action Plan, the federal government is providing first-time homebuyers with additional access to their registered retirement savings plans (RRSPs) for home purchases, by increasing the Home Buyers' Plan (HBP) withdrawal limit.
About the Initiative
The HBP allows first-time homebuyers to withdraw amounts from an RRSP to purchase or build a home without having to pay tax on the withdrawal. The $5,000 increase in the HBP withdrawal limit -- to $25,000 from $20,000 -- applies to withdrawals made after January 27, 2009. This is the first increase in the withdrawal limit since the HBP was introduced in 1992. It allows a couple to withdraw up to $50,000 from their RRSP funds toward the purchase of their first home.
Amounts withdrawn are repayable in installments over a period not exceeding 15 years, starting the second year following the year the withdrawal was made.
How It Works
First-time homebuyers can visit their financial institution to withdraw RRSP funds under the HBP.
Who Is Eligible
First-time homebuyers are eligible. An individual is generally considered a first-time homebuyer if neither the individual nor the individual's spouse or common-law partner owned and lived in another home in the year the HBP withdrawal is made, or in any of the four preceding calendar years.
Special rules apply for the purchase of homes that are more accessible or better suited to the personal needs and care of an individual who is eligible for the Disability Tax Credit. In these situations, withdrawals may be made under the HBP, even if the first-time homebuyer requirement is not met.
How to Find Out More
For more information, please visit the Department of Finance Canada website or the Canada Revenue Agency website.
Of course, the easiest and less stressful way to find out more is to give me a call at 519-435-1600 if you are thinking of buying a home or condo in London Ontario
More Info:
http://www.cra-arc.gc.ca/tx/ndvdls/tpcs/rrsp-reer/hbp-rap/menu-eng.html
2 STOREY HOME AT 416 STONEHAVEN PLACE IN HAZELDEN NORTH, OFF OF RIVERSIDE DRIVE AT HARTSON ROAD,
$412,900 
4 BEDROOMS, 3 1/2 BATHS, INGROUND POOL AND MORE.
POWER OF SALE, YOUR CHANCE TO LIVE IN AN EXECUTIVE NEIGHBOURHOOD WITH GREAT SCHOOLS AT A LOW PRICE!
For more great homes in London for sale, I'm just an email away!
First Time Homebuyers Tax Credit in Canada
About the Initiative
The HBTC will assist first-time homebuyers with the costs associated with the purchase of a home, such as legal fees, disbursements and land transfer taxes, which are a particular burden for first-time homebuyers, who must also save for a down payment.
The $5,000 non-refundable HBTC amount will apply to qualifying homes acquired after January 27, 2009, and will provide up to $750 in federal tax relief.
A qualifying home is generally considered to be a housing unit located in Canada that the individual or individual's spouse or common-law partner intends to occupy as the principal place of residence no later than one year after its acquisition.
Any unused portion of an individual's HBTC may be claimed by the individual's spouse or common-law partner. When two or more eligible individuals jointly purchase a home, the credit may be shared but the total credit amount claimed cannot exceed $5,000.
How It Works
First-time homebuyers purchasing a home will be able to claim the HBTC on their income tax returns, starting in 2009. Claimants should ensure that documentation supporting the purchase transaction is available if requested by the Canada Revenue Agency. Claimants are also responsible for making sure that all applicable eligibility conditions are met.
Who Is Eligible
First-time homebuyers are eligible. An individual is considered a first-time homebuyer if neither the individual nor the individual's spouse or common-law partner owned and lived in another home in the year of the home purchase or in any of the four preceding calendar years. Special rules apply for the purchase of homes that are more accessible or better suited to the personal needs and care of an individual who is eligible for the Disability Tax Credit. In these situations, the HBTC can be claimed, even if the first-time homebuyer requirement is not met.
How to Find Out More
For more information, please visit the Department of Finance Canada website or the Canada Revenue Agency website.
Homeowners Eligible for up to $5,000 EcoEnergy Retrofit In Canada
About the Program
ecoENERGY Retrofit - Homes provides home and property owners with grants of up to $5,000 to offset the cost of making energy-efficiency improvements. The grants apply to a range of measures that reduce energy consumption and provide for a cleaner environment, from increasing insulation to upgrading a furnace. The maximum grant for property owners with multiple properties is $500,000.
How It Works
Before undertaking any energy-efficiency renovations, the homeowner hires an energy advisor certified by Natural Resources Canada to perform an energy evaluation on the home. The homeowner selects which improvements to do and implements the recommended energy upgrades, leaving time to ensure that the post-retrofit evaluation is completed within 18 months or before March 31, 2011, whichever comes first. The homeowner calls the energy advisor to perform the post-retrofit evaluation, which will confirm the home's new energy rating. The advisor submits the ecoENERGY Retrofit grant application to the Government of Canada. If applicable, the application will also be forwarded to the collaborating provincial and territorial retrofit program for further financial reimbursement. Approved reimbursements are then sent out to applicants.
Who Is Eligible
Owners of single-family homes (detached, semi-detached and low-rise, multi-unit residential buildings that are no more than three storeys high) are eligible. Additionally, owners of some small buildings less than three storeys high, where at least 50 percent of the floor area is used for permanent residences, are also eligible.
How to Find Out More
For more information, visit the ecoACTION website. Information is also available from the Government of Canada inquiries line at 1 800 O-Canada (1-800-622-6232) (teletypewriter: 1-800-926-9105).
Initiative Update
Since this program was expanded under the Government of Canada's Economic Action Plan, there has been a 50% increase in the number of pre-retrofit assessments. Canadians responded quickly and created economic activity for their communities.
As well, the website has been updated to make it even easier for Canadians to find an energy advisor in their area. More than 1,400 energy advisors are now employed across the country, an increase of 300 since April 1, 2009.
Canadians are reducing their energy consumption and investing in their local economy. It is estimated that for every $1 invested by the program, homeowners are investing $10 directly in the renovation industry.
More Info:
http://oee.nrcan.gc.ca/residential/personal/home-improvement.cfm?attr=0
An Independent real estate brokerage boutique serving London and S/W Ontario. Not All REALTORS* Are The Same!
LET US HELP YOU FIND A NEW WAY HOME
A home is much more than bricks and mortar. I believe a home is a sanctuary: a welcoming, special place where you can relax and rejuvenate, feel calm and connected, raise a family, look after your parents if the need arises and unwind and enjoy. It can be all of those! And, much,much more.
I also believe that every real estate transaction must be personally tailored to each and every one of our clients, because we are all different and have various concerns, culture and standards. In order to do that, Envelope Real Estate has designed and implemented programs to help you get what you want and need ( we can also help figure out what you need) when either selling or purchasing real estate. The folks at Envelope Real estate know the London and St.Thomas real estate market real well. Be it Byron Homes or Byron Condos , Warbler Woods Homes, Sunningdale Condos, Sunningdale Homes , Oakridge Homes , Oakridge Condos, Hazelden Homes, Kilworth Homes, Old North. Old South, Uplands, Summerside or Ilderton , give us a call.
With hard work,knowledge, skills, contacts and ability to fully research all aspects of the real estate market, the team at Envelope Real Estate can ensure you a smooth, stress-free Buying A Home or Own Your Own Place or Selling Your Home process.
Short of money? go to Fixer Uppers, Under $100,000 or Condos Under $100,000
Learn how to find out about governmemt incentives for first time buyers! Using some of your RRSP as a downpayment! Eco-Energy grants! Home renovation tax incentives! Just go to Government Incentives
If you want to just search for MLS listings go to Search MLS Listings
Not all REALTORS* are the same, I hear that all the time from past buyer and seller clients. Hundred's of times! Why not find out for yourself? It'll be worth it!
Just to show you we are not all talk, go to Testimonials
COMMON SENSE RULES TO LIVE BY:
Laugh a lot. Tell the truth. Buy Low, Sell high. Don't drink and drive.Floss.Read and walk more. Clean up your own mess. Be nice. Buy and Sell with Envelope Real Estate Brokerage Inc.
Ty Lacroix Broker of Record and Owner 
Envelope Buyer Program First Look
Welcome to First Look, an exclusive buyer satisfaction program available only through Envelope Real Estate Brokerage Inc!
Studies show that so far in 2009, 65% of the real estate buyers were definitely satisfied with their sales representative. Think about that - that means fully 35% were not! The same study indicated buyers expect their sales representative to perform very few functions. For repeat buyers: 1. 62% wanted their sales representative to find the right house, 2. 19% wanted their sales representative to negotiate the price after checking against comparable prices, and 3. 14% wanted their sales representative to complete the paperwork properly. This is not a long or complicated list!
How one third of all buyers could be dissatisfied with the performance of their sales representative? Let me let you in on a little secret. Most sales representatives don't plan to take care of their clients! No, I don't mean they don't intend to satisfy their clients. They do. They generally have the best of intentions. They just don't have a plan to accomplish what they intend. Ever hear of the old phrase "A failure to plan is a plan to fail?" Well, welcome to the world of the average real estate practitioner. And it doesn't matter how many letters or designations you can find after their name. It's always the same.
They have no systematic way of helping a client through the home buying process. That's exactly why the First Look buyer program was made available. It's a unique system specially designed to consistently deliver customer satisfaction by addressing the three primary goals of buyers mentioned above. More specifically, it's a step-by-step blueprint to ensure client satisfaction - not a haphazard approach depending on the crisis of the day. Now some of you might be saying "I don't want a rigorous program. The right house for me isn't going to be the same as for someone else". And you'd be quite right - the right house for you is going to be different. However, let me ask you this: Regardless of your destination, would you want the pilot flying your airplane to use a checklist or would you prefer they wing it because your destination is different?
I think most you can see that only by employing a well-designed system do you have the best chance of consistently obtaining the results you want. So what are the components of First Look and how does it work? The exact details of First Lookprovide a competitive advantage and are therefore proprietary but we can look at how it generally addresses the principle item buyers want from their sales representative - finding the right home. Generally the first thing most buyers do when they start thinking of a new home is to start looking in the newspaper, the real estate magazines at the supermarket, and more and more, the internet.
If you use this approach for anything other than to get a general feel for the market, I can almost guarantee you're going to be frustrated! Why? Well, for the moment lets skip the fact we have not invested the time to analyze your requirements, wants, financial qualifications, etc., and just look at this approach to searching. And let's further suppose we've already found nothing on the market that's suitable. When a property comes onto the market where do the best "buys" go? Now I know everybody thinks the real estate sales representative gets the best buys, but let me assure you, they don't have the money. So, where do they go? They go to the buyer who has the first opportunity to say yes! 
And guess who that is? It's the buyer who's' sales representative is constantly checking for new listings that meet their clients criteria, the buyer who is already pre-approved for a loan, and who is ready move emotionally when that right property for them comes onto the market. Can you figure out which properties show up in the newspaper, the magazines, etc.?
It's either already sold or It's a property my client has rejected! Now would you prefer to choose from the gems or choose from the leftovers? Does it take a lot of effort to constantly check for new properties for each client? Absolutely! Does it pay off? Absolutely! Is it available to everyone? Absolutely not! This is just one example of the advantages you'll enjoy with the First Look system. There are lots more.
If you think you'd like to take the next step to explore the advantages and what's involved here's what to do now:
1. Call me at 519-435-1600 and let me know you'd like to take the next step and arrange an initial First Lookmeeting in my office. Ask any questions you might have and I'll do the same. If we agree to move forward, we'll set a time for the first meeting and I'll contact one of my preferred lenders (only if you have not been pre-approved by your own lender)and ask them to initiate the pre-approval process. You'll need to talk with the lender and begin the process prior to our meeting.
2. Prior to our meeting, please fill out the enclosed First Look Buyer Needs and Wants Sheet in its entirety. This is important because when the time comes, you will ultimately make your new home choice emotionally. This will give us a basis in fact.
3. When we meet, we'll go over your wants and needs, special requirements, time table, etc. I'll also be prepared to show you several homes based upon the Needs and wants sheet you've provided. I'll be providing you with a First Lookbuyer's kit. In that kit I'll be providing some additional material includinga brief on negotiating strategy factoring in the current market trends, comparable prices, and personality styles. There'll also be more detailed material on the anatomy of a sale so you'll know exactly what to expect and when. I'll include copies of a sample offer so you'll have the opportunity to review it and ask questions before we find your new home. We'll decide on the best means and frequency of communication. Phone, email, Fax, or a combination thereof. During our first meeting I'll ask for several commitments. One of the things I will ask of you is a commitment to work exclusively through me as your sales representative. Now occasionally a buyer will balk at this request assuming they will have better odds if they are working with more than one sales representative. And I have no problem if someone wants to work with several sales representatives.
I'm just not going to be one of them.
Suppose you are a sales representative and you've just come across a terrific new buy. Who are you going to call? The buyer who is working with half a dozen sales representatives and could purchase through any of them, or the buyer you know if your loyal client? So what's the downside from a buyer's point of view - locked in forever? Not at all. Because I'm so confident with the First Look system, you'll get my written guarantee:
If you're not happy at any time, just let me know and fire me. I'll take all the risk. I just need your commitment. My goal is to make you so pleased with my First Look program you'll become an outspoken advocate for my business. And that brings us to the second commitment I'll ask for - if you are happy with my services that you'll definitely recommend me to your friends and relatives. At the beginning I related how fully one third of the buyers couldn't definitely say they had a positive buying experience. As you approach this exciting task of finding your new dream home ask yourself: "Within which group are you going to find yourself"? The choices you make about which sales representative you use will determine your fate. Ty Lacroix
Top 10 Houses in London By Price Range
"Thinking About Selling Your Home? I'll Show You How To Get The Highest Dollar, Plus I'll Give You Breakthrough Tips For Selling It Now!" Absolutely FREE, No Strings Attached, And No Obligation Whatsoever............ 
How would you like to learn how to sell your home for the absolute highest price the market will pay in London, Ontario? And sell it quickly! I know it sounds "too good to be true," but consider this.... National Statistics Show: Homes That Sell The Fastest, Also Sell For The Most Money! The very same elements that make homes sell quickly also make homes sell for the most money. But few London home owners know about these essential elements. And as a consequence, unknowingly open themselves up to leaving money on the table at closing.... or wasting time selling their home. And we all know time is money when you need to move!
My name is Ty Lacroix and I am the Broker of Record and Owner of Envelope Real Estate Brokerage Inc. and I sell a lot of London houses and condos. My experience in selling London area homes has enabled me to learn a few "secrets" on how to Sell Your Home Fast For The Highest Dollar. 
That's why I created a special program for people like you. I call it my "London Highest Dollar, Fast Sale Home Audit" My audit is NOT like simple Market Statistics or CMA'S (Comparable Market Analysis) other REALTORS* will give you. It's a complete audit of your home from top to bottom, side to side, end to end, (you get the picture, it's thorough), revealing the elements that affect a full price, fast sale. Plus, my audit is FREE and there's absolutely NO OBLIGATION to work with me or any other sales representative.
My audit will show you.... ·
How to get the absolute highest price the market will pay for your home ·
The difference between Functional and Cosmetic issues with your home, and how easy-to-fix and inexpensive problems may be costing you thousands ·
How to "dress" your home to make it look like it's worth thousands more (the way you "live" in a home, and the way you "sell" a home are two very different things!) ·
I'll inspect your home from top to bottom to reveal true problems affecting its successful sale: from specific condition issues, thorough lot sighting, home sighting, construction quality, schools, and location I'll show you how to minimize the impact of negative home elements, and promote the positive features, so you can get the very most money for your home....And sell it FAST. How can I do this?
Because Selling Homes In London Is What I Do Best! And unlike other sales representatives, who will tell you anything just to get your listing, I'll show you EXACTLTY what your home is worth with a reliable, real world analysis. (As a messenger, I have not been shot yet!) No fancy figures. No hard sales pitches. "Just the facts, maam'." Just the facts presented in a straight forward, easy-to-understand format for you. PLUS THERE'S ONE MORE THING! In the process, I'll also deliver a BONUS Special Report I created specifically for residents of London called "How To Sell Your Home Now For The Most Money The Market Will Pay." 
I know there's a tendency to put this message aside, and "think about it later". But every minute you spend "thinking" is COSTING YOU MONEY! For a limited time, you can take advantage of my FREE, no obligation Audit by simply calling me at 519-435-1600. You have thousands of dollars and valuable time to gain..... and absolutely NOTHING TO LOSE by calling now. I look forward to hearing from you!
Sincerely yours. Ty Lacroix Broker of Record Envelope Real Estate Brokerage Inc 
PS: Right now, you can learn the little-known "secrets" that will make your London home sell for the highest amount in the fastest time possible. It's FREE and there's absolutely NO OBLIGATION whatsoever. But you must call NOW, because your opportunity to use my exclusive London Highest Amount, Fast Sale Home Audit will expire soon. And if you call 519-435-1600 right now, I'll also share with you a BONUS special report "How To Sell Your Home Now For The Most Money The Market Will Pay."
Don't give your hard-earned money away by listening to your neighbours, Uncle Harry, a friend of a friend who used to sell real estate, your long lost relative, the person who sold you Nortel, the earth is flat mentality, it will never fly, or good intentioned folks. I know real estate, which is all I do, I live it, I breathe it and most importantly "I love selling houses!
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