Tenant insurance is affordable peace of mind

So, you’ve found your ideal apartment: a 2-bedroom basement paradise or a mid-town penthouse or a fantastic south-facing 1-bedroom condo. Now it’s time to move in right away, right? Sure, start packing, but make sure you also budget for tenant insurance.

Perhaps you think you don’t need it because you’re only renting and you don’t own any fancy stuff. But, what if something happened — would you have enough set aside to replace all your belongings and to find temporary housing? If you said no, Pina Ferraro-Novello, a corporate underwriter with Desjardins General Insurance Group would like you to reconsider.

“Tenant insurance is necessary because it protects your property and also covers you in the event that you accidentally cause damage to the property of others,” said Ferraro-Novello. “For example, if your bathtub overflowed and flooded the apartment below destroying your neighbour’s property, tenant insurance would protect you. Luckily, it’s a simple and affordable coverage. Also, if you’re a student, your parents’ policy might automatically extend coverage to you at school.”

What’s typically covered by tenant insurance?

This type of insurance protects you from damage, like fire, theft, certain water damage and vandalism. If your apartment is seriously damaged as a result of an insured loss, tenant insurance would also typically cover your additional living expenses while it’s being repaired. Tenant insurance also provides liability coverage if someone gets hurt because of your negligence, like slipping and falling on a wet floor in your apartment for example.

How much coverage do you need?

The total cost of tenant’s insurance will depend largely on the value of your contents. Most renters tend to underestimate what it would cost to replace their belongings. It’s smart to take an inventory, including photos, which only takes a few minutes and will make things a lot easier if you experience a loss. Start by walking from room to room and itemize all the contents, including your closets and cupboards. You might think they’re not worth that much until you have to replace them. Keep in mind however that coverage for some insured items may be subject to exclusions or maximum limits. Read your policy carefully to determine your exact coverage.

Typical items to include on your inventory are: computer, printer, tablet, smart phone, flat screen TV, video game system and games, music player and other electronics, clothes, shoes, boots, pots, pans, other personal and household items.

What a great Article Thanks to NewsCanada and Verico Mortgages!

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The Manchisi Team hopes everyone had a great holiday break filled with food, gifts, and family get togethers. Now it is time to celebrate the new year!! Below are a couple of great toasting cocktail recipes made with champagne for midnight. Whether your celebrating with friends or family at home or a night on the town don’t drink and drive, call a cab!!

Baci
Ingredients:
3 oz. Champagne
1 oz. Amaretto
1 oz. Grand Marnier
1 oz. orange juice
Orange slices

Directions:
Pour the amaretto, Grand Marnier and OJ into a champagne flute.
Pour in the Champagne.
Garnish with an orange slice and serve.

 

Champagne With Strawberries

 Ingredients:

1 Pint of Lemon Sorbet

2 Pints of Strawberries, mulled and sliced

2 Cups of Champagne

Directions:

Drop the scoops of lemon sorbet into 4 flutes or tall glasses

Top with strawberries

Pour in champagne until filled

 

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Christmas on the Trails at Hilton Falls Conservation Area!

Join us on Sunday December 16, 2012 from 10:00am until 4pm

Cost:  15.00/adult   $10.00/child (under 14 years)

(Gate Admission Included) Pre-registration required.

Activities include; Relaxing and enjoy the simple pleasures of nature on a Horse Drawn Wagon Ride to the Falls! Roast Marshmallows over an open fire and warm up with hot cocoa at the Falls. Feed the chickadees at the Falls. Take a leisurely walk back to the Visitor Centre. Story Time with Santa in the Visitor Centre  (varied times throughout the day). Don’t forget to bring a blanket for the wagon ride!

Wagon Start Times: 10am; 10:45am; 11:30am; 1pm; 1:45pm; 2:30pm  

To register for this event please go to http://www.conservationhalton.on.ca/events

Questions call (905) 854-0262

Email hiltonfalls@hrca.on.ca 

 

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It has definitely been an enjoyable experience so far joining the Re/Max Legacy Team. Everyone at the Mississauga offices have been beyond helpful through this change. With all our new marketing, offices, and supportive team members we will be able work more efficiently for our clients! Below is a press release including details about our team joining the Re/Max Legacy Office.                                                         

                                                                                          Accomplished West GTA Realtors,

The Manchisi Home Selling Team, join RE/MAX Legacy Realty Inc.

Mississauga, ON (November 27, 2012) – Real estate professionals Domenic Manchisi, Jody Manchisi and Mickey Galekovic of the Manchisi Home Selling Team—formerly the number one Prudential real estate team in Canada—have made the move to RE/MAX, joining RE/MAX Legacy Realty Inc. in Mississauga.

The award-winning Manchisi Team, which averages over 100 home sales per year, is a consistent top producer, currently ranking among the top one per cent (for number of unit sales) on the Toronto Real Estate Board.  Led by respected real estate veteran, author and speaker, Domenic Manchisi, the Team’s approach centres around exceptional customer service.  As a result, they’ve built a solid client base, with nearly 70 per cent of their business now originating through repeat customers and referrals. 

“The client always comes first,” says Domenic Manchisi.  “It’s the main reason that we made the move to RE/MAX.  We feel that the organization’s marketing muscle and multitude of tools and programs, aimed at helping realtors improve their results, will benefit our clients tremendously.  RE/MAX Legacy stood out given its innovative approach and dynamic leadership.  We’re thrilled about our new direction and the opportunity to build upon our ongoing success.”

The Manchisi Team, who has moved more than 1,100 families in the past 10 years, specializes in Milton, Acton and Georgetown.  Milton, in particular, is a community that is experiencing significant growth.  During the latest census period (from 2006 to 2011), the town’s population increased 56.5 per cent.  Conversely, population growth in Halton Region came in at just over 14 per cent and just 5.7 per cent for the province of Ontario overall.  The result of the local building boom means plenty of choice for buyers.

“Given the expansion and the competition that exists between listings, it’s never been more important to choose an experienced realtor,” notes Manchisi.  “We aim to be the best, so we’ve aligned ourselves with the best.  We know that plenty of options exist out there.  Working under the RE/MAX Legacy banner, we can be confident that, when it comes to our clients, we’re putting forward the finest service and support the industry has to offer.”

To that end, the Manchisi Team already stands out, having already secured some of the highest accolades available, either as a team or as individuals.  Its strength lies in numbers, as its clients benefit from a variety of skills sets, experience and expertise.    Domenic is a licensed Broker and mortgage specialist, trained in appraisal, mortgage financing, property law and property management.  He is regarded as an industry expert and is sought-after for his knowledge and insight as a speaker and author.  He leaves no stone unturned in delivering the ideal real estate experience.  Wife and partner Jody Manchisi is an accomplished technology, management and operations strategist.  She oversees all aspects of the real estate transaction, resulting in a smooth transaction from start to finish.  Mickey Galekovic is the listing partner to the Manchisi Team.  With more than a decade of real estate experience, Mickey is a fierce negotiator, with extensive knowledge of the Halton and Peel markets.  His frontline intelligence gives Manchisi Team buyers and sellers and edge in the process.

 “RE/MAX Legacy is proud to welcome the Manchisi Team to the fold,” says Tariq Khursheed, Broker-Owner, RE/MAX Legacy Realty Inc.  “From integrity and results to innovation and service, this team exemplifies the very attributes that are the cornerstones of our brokerage.  They are an ideal fit, with a vested interest in their community and the advancement of the industry overall.  We have no doubt of their ability to take their business to the next level, and we’re thrilled to help them achieve even greater success.”

RE/MAX Legacy Realty Inc. was established in Mississauga in 2010, and operates offices at 7070 Saint Barbara Blvd. (Derry Road), 1645 Dundas St. (Erindale), and now 100 City Centre Drive, Unit 1-702 (City Centre).  The full-service brokerage, with a fully-integrated, in-house marketing arm, assists clients in all areas of real estate including residential, multi-family, investment, and commercial, industrial and vacant land acquisition.  Its diverse sales force serves Mississauga’s multi-cultural marketplace in a multitude of languages.  For more information, visit www.legacyrealtyinc.com

RE/MAX is Canada’s leading real estate organization with over 19,900 sales associates situated throughout its nearly 750 independently-owned and operated offices in Canada.  The RE/MAX network, now in its 39th year, is a global real estate system operating in 91 countries, with over 6,300 independently-owned offices and close to 89,000 member sales associates.  RE/MAX realtors lead the industry in professional designations, experience and production while providing real estate services in residential, commercial, referral, and asset management.  For more information, visit: www.remax.ca.

For more information:

Domenic Manchisi                                                                                           Tariq Khursheed             

RE/MAX Legacy Realty Inc.                                                                          RE/MAX Legacy Realty Inc.

905.875.4594                                                                                                      905.795.1900

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Santa’s coming to town this Sunday November 18th at 2:00pm!! Can you believe it’s already time for the Milton Santa Claus Parade. So bundle up your kiddies, grab some hot chocolate, maybe a couple chairs, and watch all of the fantastic floats/sponsors parade on by! Also don’t forget to bring a canned good donation if you can, for the Salvation Army Food Bank! Also the Halton Regional Police will be collecting for the Toys for Tots charity!

 Just to note a few of our wonderful sponsors; Milton Lion’s Club, Tim Horton’s, Longo’s, The Great Canadian Champion, Downtown Milton, CIBC, MANHEIM Auctions, and lots more!

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Milton’s Cineplex is hosting a community day with free movies and reduced prices on concession items on Saturday October 20th!! What a great inexpensive way to spend a Saturday morning. The event is to raise money for The Starlight Children’s Foundation which gives a child with an illness the entertainment, education, activities, and fun that they miss out while being in hospitals and dealing with treatments. It is fantastic the Milton’s Cineplex is hosting a day where all their proceeds go towards this great foundation!!

 8:30 a.m. – doors open

9:00 a.m. – movies begin

Select concession items $2.00 each

100% of proceeds to Starlight Children’s Foundation

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If you are interested in photography, and would like to learn more about the hobby check out Mountsberg Conservation Area in Campbellville, this Saturday October 13th from 10am-12pm. This is event is perfect for citizens in the Milton, Halton Hills, Acton, Georgetown, Campbellville, Oakville, & Burlington areas! Photographer Bill Hagan will be hosting the workshop and teach all about outdoor photography.

 The fact that the country side is beautiful this time of year with all the fall colours, makes this event more fascinating!  

 Mountsberg Conservation Area  – 2259 Milburough Line, Campbellville

The rain date is October 14th

Cost is $10+HST per person

Registration Required

Suitable for beginners

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Mmmmm I know we all cannot wait for those turkey dinners this weekend, hanging out with family and friends, and maybe even carve some pumpkins to get ready for Halloween!!

If you enjoy baking and are not really feeling up to baking a pumpkin pie try the recipe down below, it is sure to please your guests after a yummy turkey dinner! :)

Tha Manchisi Team wishes Halton Hills and Milton a safe and funfilled long weekend!!

 

 Pumpkin Pecan Cupcakes

Prep: 20 min. Bake: 20 min. + cooling

Yield: 36 Servings

This recipe can be prepared in 2 dozen regular-size muffin cups. Bake for 22-26 minutes.

INGREDIENTS:

  • 1 package (18-1/4 ounces) spice cake mix
  • 1 can (15 ounces) solid-pack pumpkin
  • 3 eggs
  • 1/2 cup canola oil
  • 1 tablespoon ground cinnamon
  • 1 teaspoon baking soda
  • 1/4 teaspoon ground cloves
  • 36 pecan halves

CREAM CHEESE FROSTING:

  • 1/2 cup butter, softened
  • 4 ounces cream cheese, softened
  • 1 teaspoon vanilla extract
  • 3-3/4 cups confectioners’ sugar
  • 2 to 3 tablespoons milk
  • ground cinnamon

DIRECTIONS:

  • In a large bowl, combine the cake mix, pumpkin, eggs, oil, cinnamon, baking soda and cloves; beat on low speed for 30 seconds. Beat on medium for 2 minutes.
  • Fill paper-lined miniature muffin cups two-thirds full. Press a pecan piece into each. Bake at 350° for 17-20 minutes or until a toothpick inserted near the center comes out clean. Cool for 5 minutes before removing from pans to wire racks to cool completely.

In a small bowl, cream the butter, cream cheese and vanilla until light and fluffy. Gradually add confectioners’ sugar and mix well. Add enough milk to achieve spreading consistency. Frost cupcakes. Sprinkle with cinnamon. 

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Not all real estate agents are the same. If you decide to seek the help of an agent when

selling or buying your home, you need some good information before you make any moves.

An agent can cost or save you thousands of dollars

 Picking an agent is one of those critical issues that can cost or save you thousands of dollars. There are very specific questions you should be asking to ensure that you get the best representation for your needs. Some agents may prefer that you don’t ask these questions, because the knowledge you’ll gain from their honest answers will give you a very good idea about what outcome you can expect from using this agent. Let’s face it – in real estate, as in life – not all things are created equal.

 Hiring a real estate agent is just like any hiring process – with you on the boss’s side of the desk. It’s critical that you make the right decision about who will handle what is probably the single largest financial investment you will ever make.

 1.  What makes you different? Why should I list my home with you?

 It’s a much tougher real estate market than it was a decade ago. What unique marketing plans and programs does this agent have in place to make sure that your home stands out favourably versus other competing homes? What things does this agent offer you that others don’t to help you sell your home in the least amount of time with the least amount of hassle and for the most amount of money?

 2.  What is your company’s track record and reputation in the market place?

 It may seem like everywhere you look, real estate agents are boasting about being #1 for this or that, or quoting you the number of homes they’ve sold. If you’re like many homeowners, you’ve probably become immune to much of this information. After all, you ask, “Why should I care about how many homes one agent sold over another. The only thing I care about is whether they can sell my home quickly for the most amount of money.”

 Well, because you want your home sold fast and for top dollar, you should be asking the agents you interview how many homes they have sold. I’m sure you will agree that success in real estate is selling homes. If one agent is selling a lot of homes where another is selling only a handful, ask yourself why this might be? What things are these two agents doing differently?

 You may be surprised to know that many agents sell fewer than 10 homes a year. This volume makes it difficult for them to do full impact marketing on your home, because they can’t raise the money it takes to afford the advertising and special programs to give your home a high profile. Also, at this low level, they probably can’t afford to hire an assistant, which means that they’re running around trying to do all the components of the job themselves, which means service may suffer.

 3.  What are your marketing plans for my house?

 How much money does this agent spend in advertising the homes s/he lists versus the other agents you are interviewing? In what media (newspaper, magazine, TV etc.) does this agent advertise? What does s/he know about the effectiveness of one medium over the other?

4.  What has your company sold in my area?

 Agents should bring you a complete list of their own, and other comparable sales in your area.

 5.  Does your Broker control advertising or do you?

 If your agent is not in control of their own advertising, then your home will be competing for advertising space not only with the agent’s other listings, but also with the listings of every other agent in the brokerage.

 

*I hope this information was beneficial. Want to know the next 5 Questions to Ask Before you Hire an Agent??? 

Give us a call or send an email and we can send you the full report!!!

Office: 905-878-9100

Email: domenic@domenicmanchisi.com

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Milton’s Annual Fall Fair!

It’s that time of year again! Milton Fall Fair starting this Friday September 21st until Sunday September 23rd! The fall fair is an inexpensive way to have some family fun!

 Since our town of Milton has been growing, the fall fair each year has more to offer. This year there will be tons of fun activities and shows to see such as; Animals of the Rainforest exhibit, Speed Show, Face painting and crafts for kids, the infamous Derby, Petting Zoo, an all ages “Glow” Video dance party, and much more. There will be great fair food and tons of rides and games. Try and make it out to this year’s Milton Fall Fair!!

 

Admission:

Friday – Adults $8       Children $5

Saturday – Adults $10   Children $5

 Sunday – Adults $10      Children $5

 Children under 5 years of age are FREE

 Parking – $5

 *Wristband policy and non-refundable tickets

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