CENTURY 21 Future Realty Inc. - Blog

Century 21 Curb Appeal Campaign

karina.vitorino@century21.ca — Mon, 13 May 2013 00:00:00 GMT

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Milton Farmers Market

teresa.gamble@century21.ca — Sat, 04 May 2013 00:00:00 GMT

It isn’t long now till the Farmers Market Opens!

Over time the Market has been located in a couple of different spots in town, but since 1990 it has been operating on beautiful Main St in the downtown core within sight of our scenic Niagara Escarpment. Opening May 18^th and runs every Saturday from 7am to 12pm thru until October 12^th. (excluding June 1^st)

The market brings old fashioned hospitality loaded with farm fresh goodness to down town Milton with over 40 Vendors including;

- Famers promising “fresh picked this morning” produce

- Organically grown produce

- Preserves, jams, honey and cider

- Breads and baked goods

- Meats and cheeses

- Flowers and plants

- Crafts and pottery

- Ethnic and specialty foods

- Artisans

- A few little extras with local musicians and special events held by local Non Profit Organizations

Very deserving of a special mention is the Chamber Scholarship Café, the Café generates funds for the Chamber Scholarship Fund which offers annual scholarships to all local high schools and is operated by the Chamber. It’s home to the “bacon-on-a-bun” and has good fresh coffee so it’s a great breakfast for a great cause!Since 1990, the Milton Chamber of Commerce has offered $1,000 scholarships to students attending their first year of post-secondary education, one for a student from each Milton high school including E.C. Drury for the Deaf, one for a son or daughter of a Chamber member and one for high school student registered in an Ontario Youth Apprenticeship Program.

On Saturday mornings Main St will be closed between James and Martin Streets to accommodate the 40+ Vendors and the 1000-1500 visitors who shop there every week so come by for a stroll and discover what our lovely farmers market has to offer. For more information please visit www.miltonfarmersmarket.ca

** information for this was researched using the Milton Farmers Market page operated by the Milton Chamber of Commerce.

2013 Milton Mutt Strutt & Spring Fair!

karina.vitorino@century21.ca — Mon, 29 Apr 2013 00:00:00 GMT

In addition to being one of Milton's favourite family events, it is also a very important fundraiser for the homeless animals of our community. All the proceeds from the Milton Mutt Strutt & Spring Fair will help to investigate and where necessary prosecute animal abuse, cruelty and neglect, shelter and care for homeless animals, find loving forever homes for homeless pets, and provide humane education and pet therapy.

Visit our Century 21 boot on May 26 between Noon and 4PM.

agility demonstration
Fun dog show
vendor Marketplace
silent auction
kids games
beagle belly bouncer

Start Raising Pledges Today!

for more information http://omhs.ca/..about-us/news-events/milton-mutt-strutt-2013/

Breaking Your Mortgage Can Save You Money in the Long Run

emilia.taurasi@century21.ca — Fri, 26 Apr 2013 00:00:00 GMT

Breaking Your Mortgage Can Save You Money in the Long Run

Mortgage rates are hovering near historic lows and for the first time in many years, the rate variance between variable and fixed mortgages is negligible. To see just how rates have changed, check this fun fact out:

In 1981, the prime rate was 22.75%! If you had a $300,000 mortgage and an amortization of 25 years, your monthly payments would've have been $5460.28
The 2011 Prime Rate was 3.00%. If you have a $300,000 mortgage now with an amortization of 25 years, your monthly payments would only be $1419.74.

What a difference three decades make! So with rates this low, chances are you’ve considered breaking your current mortgage and renewing now before rates go up again.

In some cases, breaking your mortgage could save you thousands of dollars in the long run. How nice would it be to pay 3% instead of 5% on your mortgage? Wouldn’t it be better to put that amount towards reducing your mortgage principal?

On the other hand, the penalty fees could end up costing you more for breaking your mortgage. In some cases, the penalty can be quite substantial if you aren’t very far into your mortgage term. A common assumption is that the penalty for breaking a mortgage amounts to three months’ interest payments so, when you crunch the numbers, it doesn’t seem so bad. In most cases, however, the penalty is the greater of three months’ interest or the interest rate differential (IRD).

The IRD is the difference between the interest rate on your mortgage contract and the rate that the lender can charge today when relending the money. Since interest rates are at their historical low, the IRD penalty tends to be greater than three months’ interest.

Keep in mind, however, that penalties vary depending on your lender and the type of mortgage you have. In addition, the size of your down payment and whether you opted for a “cash back” mortgage can influence penalties as well.

The name of the game is saving money in the long run. It's become very evident that interest rates will be on their way back up, which means mortgage rates will also be trending up again. The goal now is to secure a long-term rate commitment before it is too late, and here lies the significant future savings.

A mortgage specialist will give you a good idea if breaking your mortgage is right for you. Give me a call and I'd be happy to refer you to one in your area.