Take part in the 46th Annual Burlington Winter Carnival January 22 to February 4, 2012. This weekend there are lots of activities planned for the entire family…so take your pick!

Saturday, January 28
5th Annual Bur Bear Bowling Family Fun Day
Burlington Bowl – 4065 Harvester Road (Harvester Road – East of Walkers Line)
Fee : $ 9.00 / Adults – $ 8.00 / Kids (14 and Under) [shoes Included in bowling fee] 2 PM to 4 PM – 2 games guaranteed bowling, prizes, and much more
Contact : Don at 289.208.3319 or email : burbearbowling@gmail.com

Sunday, January 29
Bur Bear Curling & Open House
Learn to Curl at the Burlington Curling Club 2295 New Street 2:00 to 4:00 PM
To register please Contact : Brian Moore 905.634.0014

AND…don’t forget about the

Lowville Winter Games: Sunday, January 29, 2012
11 AM to 4 PM – Many Outdoor Activities and Fun For All
DATE: Sunday, January 29th, 2012
TIME: 11am – 4pm
LOCATION: Lowville Park
(Guelph Line – North of Britannia Road)

The Games are a GO with or without Snow!*

2012 activities:
• NEW! Body Zorbs and Human Gyroscope by Elephant Thoughts
• try out the Bur Bear Adventure Challenge
• log sawing competition
• horse-drawn wagon rides
• Conservation Halton birds of prey show
• winter activities with Mountain Equipment Co-op
• tasty treats from Lowville United Church
• funnel cakes
• Cupcake Diner truck
• Gorilla Cheese food truck
• parent & tot obstacle course with Momstown
• sport medal ceramic painting with Art Glazed Over
• Larry MacDonald will emcee the main stage program
• juggling performances by Johnny Toronto
• Zumba with Cedar Springs Health Raquet & Sportsclub

What you should know about deeply discounted mortgage rates

You’ve heard the expressions ‘cheapest isn’t always best’ OR ‘you get what you pay for’. This also applies to shopping for the best mortgage rates. When you are looking at paying off your largest investment over 25-30 years, it is easy to jump on the lowest rate available. But, the low-rate mortgages could actually cost you more in the long run.

• Check The Fine Print: These low rate mortgages often are the least flexible when it comes to paying off the mortgage or getting out of the mortgage before the term is up. For instance, is the mortgage fully closed? That means you’re not leaving the lender unless you sell your house, so your options are limited and you have no negotiating power if your needs change in the next 5 years.
• Low or no prepayments: Many mortgage options allow home owners to pay up to 20% of the outstanding principal each year, where low-rate mortgages may only allow 10%. Many lenders will also allow you to make unlimited double up payments throughout the year, where low-rate mortgages may not allow any double up payments.
• Maximum 25-year amortization: Many first time home buyers need the extra flexibility of having a 30 year mortgage. The low-rate mortgages can take away flexibility you may need later.

For the same reasons I caution buyers about hiring a discount brokerage to handle their real estate transactions, I also caution you about signing up for the lowest mortgage rate on the market. You always get what you pay for and the cheapest isn’t always the best.

If you are considering a discounted mortgage rate, call me first to discuss what to look for in the contract. I will help you find the right combination of low rate and contract terms that will meet both your current and future financial needs.

Considering Buying or Selling Your Home?

For more information on buying or selling real estate in Burlington, Hamilton, Oakville, or Toronto, or if you have questions about current market trends, staging properties or mortgage interest rate information, I’d be happy to answer all of your questions to accommodate all of your real estate needs.

Sean Kavanagh
Sales Representative

For more information on my Home Buying or Home Selling System, contact me at
Email: sean.kavanagh@century21.ca
Web: www.seansells.ca
Facebook page: SeanKavanaghC21

Building Lasting Relationships and Exceeding Expectations

Masters Diamond Award Winner – 2010 & 2011, Masters Ruby Award Winner – 2009

Oakville Real Estate – CENTURY 21 Miller –TOP TEN Office*
______________________________________________________________________________
Office: 905.845.9180 | Fax: 905.845.7674 | millerrealestate@century21.ca
Oakville Real Estate, Burlington Real Estate, Milton Real Estate, Mississauga
*For CENTURY 21 Canada in 2010 and 2011, Based on Gross Closed Commission

Completely renovated open concept 3 bed/2 full bath home on quiet street in south Burlington. New kitchen (10)w/maple cabinets, island, ceramic floors and s/s appliances. Lower level w/large family room w/stone fireplace and full bathroom w/glass shower. Professionally landscaped, Freshly painted, Hardwood throughout, roof (11), main floor windows (11), and custom window coverings (11). Seller is RREA. RSA.

Open house: Sunday January 15th – 2:00pm – 4:00pm

For more photos – CLICK HERE
For a YouTube video of the property – CLICK HERE

Hope to see you all there on Sunday!

“Sean handled 3 real estate transactions for my business and my family in a period of 2 months. He was an advisor, an expert and a friend all wrapped up in one person. He negotiated our two purchases with acumen of an old hand, and when it came to selling our home, he displayed rare perseverance and negotiating skills. I am glad I have had the opportunity to experience atypical real estate deals with Sean. If you’re looking for a generous agent to fight your battle for you, hire Sean Kavanagh.”

Boris and Nada Mahovac

Completely renovated open concept 3 bed/2 full bath home on quiet street in south Burlington. New kitchen (10)w/maple cabinets, island, ceramic floors and s/s appliances. Lower level w/large family room w/stone fireplace and full bathroom w/glass shower. Professionally landscaped, Freshly painted, Hardwood throughout, roof (11), main floor windows (11), and custom window coverings (11). Seller is RREA. RSA.

Open house: Sunday January 8th – 2:00pm – 4:00pm
For more photos – CLICK HERE
For a YouTube video of the property – CLICK HERE

Do you want to get “nose-to-beak” with the diverse and fascinating world of birds of prey? You could meet owls the size of pop cans or eagles with seven-foot wingspans! This is a great opportunity to get close to some of these magnificent birds. A great place to spend the day with the kids!

Tucked within Mountsberg Conservation Area, the Mountsberg Raptor Centre is currently home to 15 different species of native birds of prey. Many of the Raptor Centre’s resident birds of prey have permanent injuries that have left them incapable of surviving on their own in the wild. In many cases, these injuries were caused by human activity. With the help of these feathered ambassadors, the Mountsberg Raptor Centre teaches the community about the native birds of prey that share our environment and how to reduce the negative impact we can have on them.

For more info, check out this video

Come to the FREE LifeOne80 Winter Wonderland Family Festival! Enjoy a program of musical talent from the community followed by a FREE Christmas Gift Giveaway for kids 12 and under (while supplies last).

Engage in activities at the craft and baking booths or visit the photo booth and get your family photo taken just in time for the holidays! With treats, smiles, and a relaxed atmosphere there’s no better stress-free way to help you get into that Christmas spirit. This FREE event will be fun for everyone!

Non-perishable food donations and gently used clothing are encouraged for local drop-in centres.

Sunday Dec 18 2011, 4-6pm
Location:Burlington Seniors’ Centre
Address:2285 New Street
Phone:905-483-3535