Auto Been in an auto accident? Now what? l
How to file a claim
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The best insurance for your needs
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Is saving money worth it in the end?
A new home for Christopher ...see Home, page 5.
Eagle Newspapers
Excellence – A Mid-year Report
June 24, 2009
Have CNY car sales stalle d?
Dealers: Area bucks national trend -What deals are out there? - What can buyers expect on the horizon?
C
By Jennifer Wing
Hyundai – are lower cost manufacturers coming into the U.S. and they’re kind of taking advantage of this lull in the market to gain some marketshare. So there are a lot of opportunities out there.” Burdick thinks the future of both new and used car sales “will be fine.” “In the U.S. we have for the
last several years been selling between 15 and 16 million new cars a year. The economy has put a little bit of a lid on the expansion of the family fleet and so we think we’ll see a recovery back to 16 million plus but we don’t think it’s going to happen overnight - we think it’s going to take maybe three or four years to gradu-
ally back there.” Burdick said the bottom was last October and entral New Yorkers need only turn November, “when the real fear was in the market,” on their radio, television or log onto and that now “we’re climbing back out of it. I think the internet to hear about the state of the one of the new indicators is to watch consumer economy. Words such as “foreclosure,” “downsizconfidence index. When you see consumer confiing,” “layoffs” and “unemployment” are peppered dence rising, people are more apt to purchase big throughout many newscasts. ticket items.” Two Chevy dealers continue to succeed And it seems news in the automobile industry Although GM has been in the news, has been particularly bad. with filing for chapter 11 bankruptcy But how are auto sales in Central New York, protection and closing many dealerships, really? at least two area Chevy dealers have experiRoger Burdick, owner and president of enced success and will continue to operate Driver’s Village in Cicero, said one positive in Central New York. trend today is “there are a lot of deals out there Jeff Crouse, president of Bresee Chevfor the consumer.” rolet in Salina, said, after 87 years, the “Every manufacturer has gone to deeper disdealership continues to be strong in sales counts in many different forms: large rebates, and service. zero percent financing, low financing as low as Meet the dealers: “The stories you read are misleading zero,” Burdick said. “The Chrysler products From left, Jeff Crouse, president of Bresee Chevrolet in Salina, Roger Burdick, president of Driver’s Village in when it comes to this area,” Crouse said. have fabulous deals right now. Some of the Cicero, and Mark Evans, president of Evans Chevrolet in Baldwinsville. Please see Sales, page 3 GM products are great deals. The imports, Kia,
Finances
Buy a new car this year and get a break on your tax bill
Inside Excellence: Bresee Chevrolet......3 Evans Chevrolet......4 Hudson & Mowins..4 Longley Dodge.......4
The deduction is limited to the state and local sales and excise taxes paid on up to $49,500 of the purchase price of a qualified new car, light truck, motor home or motorcycle. The amount of the deduction is phased out for taxpayers whose modified adjusted gross income is between $125,000 and $135,000 for individual filers and between $250,000 and $260,000 for joint filers. The IRS reminded taxpayers that the vehicle must be purchased after Feb. 16, 2009, and before Jan. 1, 2010, to qualify
for the deduction and the deduction may not be taken on 2008 tax returns. The special deduction is available regardless of whether a taxpayer itemizes deductions on their return. In addition, the IRS and treasury have determined that purchases made in states without a sales tax — such as Alaska, Delaware, Hawaii, Montana, New Hampshire and Oregon — can also qualify for the deduction, which would include other fees or taxes imposed by the state or local government. Source: irs.gov
In a nutshell - Limited to the state and local excise up to $49,500 of a qualified new car, motor home or motorcycle. - Vehicle must be purchased Feb. 16, 2009 and before Jan. 2010. - The deduction amount is phased out for taxpayers whose modified adjusted gross income is between $125,000 and $135,000 for individuals and $250,000 and $260,000 for joint returns.
taxes paid on light truck, after 1,
$
T
axpayers who buy a new passenger vehicle this year may be entitled to deduct state and local sales and excise taxes paid on the purchase on their 2009 tax returns next year, according to the Internal Revenue Service. “For those thinking about buying a new car this year, this deduction may give them a little more drive to make their purchase this year,” said IRS Commissioner Doug Shulman. “This deduction enables taxpayers to buy now and get cash back later on their tax returns.”
Excellence - A
/ Excellence, June 24, 2009
mid-year report
I’ve had a fender-bender
Rock Solid for 87 years and still going strong through r e oth
What do I do now? How to handle an insurance claim in a snap
A
n accident can take seconds to occur, but if your car is damaged, managing the repair process can take days. From reporting the claim and getting a rental car to choosing a repair shop, it’s a lot of work and really, who has the time? Fortunately, drivers with a claim have other options. For example, leading car insurer Progressive offers its customers a concierge level of claims service that takes care of the entire process from beginning to end. H e re ’ s h ow t h e p ro c e s s works: • Make an appointment at your convenience to drop off your car at a Progressive concierge service center. In around 15 minutes, an expert claims representative will check you in, look over the damages with you and start your claim. If you’d like, a rental car will be waiting for you (policy coverage varies). • When you drive off, the claims representative prepares your repair estimate and sends your car to an auto body shop that has met Progressive’s strict quality requirements. • The Progressive claims representative will keep you updated throughout the process. • When the work is finished, the vehicle is returned to the service center where your representative inspects the quality
of repairs. • Once satisfied with the repairs, the service center calls you to schedule a pickup. When you pick up your car, the claims representative will go over the repairs with you.The repairs are guaranteed by both Progressive and the body shop for as long as you own or lease the vehicle.
This optional concierge service is available at no charge to Progressive customers and anyone involved in a claim with a Progressive customer. There are 54 Progressive service centers countrywide. For more information, visit progressive.com. -NAPS
Think clearly The first few minutes after an accident can be critical
Oh no - you’ve had an accident! You must keep your cool and try to stay calm. You have plenty of time to give in to your emotions later. First, stop your vehicle. State law require those involved in an accident to stop and exchange information. Call 911 for police and/or medical assistance. Even if an accident seems minor, assistance may be needed to clear the accident scene, handle traffic and file an accident report. You may also have stress injuries that come on after the shock wears off. Once the officer and/or medical personnel have finished, try and collect information about the accident. You may be able to get a copy of the report filled out by the police officer. This information should include time and place of accident, weather and road conditions, and other circumstances of the accident; as well as names, addresses, telephone numbers, driver’s license number and insurance information of those involved, including contact information for any passengers and/or witnesses. You also want to note vehicle information for all cars involved including make, model, year, color and license plate number. Also get the department and badge numbers of the responding police officer.
What price, peace of mind? Cutting car insurance costs now could cost you later
In times of economic uncertainty, people look for ways to save money--from clipping coupons to limiting meals out. But cutting back on certain things now could mean heftier bills later. That definitely holds true for car insurance--an accident could cost hundreds, and you don’t want to be stuck with the bill. Drivers need to stay insured to protect themselves, but there are ways to save real money on your insurance. Here are a few tips from leading car insurer Progressive: Stay covered. If finances are tight, you might consider downgrading to minimum-limits, liability-only
coverage to save money. But that may not be enough-if you cause an accident, your insurance might not cover all the damages. Carry the right physical damage and liability coverages with sufficient limits to meet your needs so that fender bender doesn’t cost you big bucks. If you’re considering dropping coverage altogether, you might want to reconsider: Doing that is illegal in most states, and if you drop your insurance now, you’ll pay more to get a new policy later because most insurers want to see proof of continuous coverage. Please see Costs, page 3
Collision vs. comprehensive insurance What’s covered, what isn’t
604 Old Liverpool Rd. • Liverpool
233-0333
www.breseechevrolet.com
Generally, collision insurance covers damage to your automobile caused by collision with another object or by upset. Comprehensive insurance covers damage to your automobile from vandalism, theft
or glass breakage. If you are making payments on your vehicle, your lienholder will usually require you carry these coverages. They require these coverages, because they cover the vehicle up to its actual cash value. (And, the vehicle technically belongs to them.) However, if your vehicle is paid
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for, it is your choice to purchase comprehensive and collision coverages. Now, some insurance companies will not sell comprehensive coverage without the collision coverage. And, some insurance companies will require you keep the deductible amount the same for both coverages. In order to determine if these coverages are worth purchasing, you will need to weigh the value of your vehicle against your deductible amount and the premium you will be paying for the coverages. An older vehicle that does not have much value isn’t typically insured for comprehensive and collision coverage.
Excellence - A
mid-year report
Excellence, June 24, 2009/
“THE AUTO SAVINGS CENTER”
Dealership still going strong after 87 years Q and A with Jeff Crouse, president of Bresee Chevrolet
Now Open For Service 6 Days A Week
Mention this ad & receive free oil changes for life
By Jennifer Wing
Bresee Chevrolet has a league of professional veteran sale consultants and an inventory of new and used vehicles that will suit every customer’s taste and needs. With one of GM’s highest rated service departments, Bresee offers the kind of experience that makes both the purchase and service of a vehicle stress-free. Sitting down with Jeff Crouse, owner of Bresee Chevrolet, 604 Old Liverpool Road in Salina, one thing is instantly apparent: The dealership, open since 1922, is here to stay. At a time when much of the Bresee Chevrolet is located at 604 Old Liverpool Road in Salina. news is filled with doom-and-gloom certified for warranty work and welcome customers stories about the automobile industry in general and for that work no matter where they purchased their the recent General Motors filing for Chapter 11 bank- vehicle. We are also the area’s only Business Central ruptcy protection resulting in dealerships closings in dealer handling fleet and commercial dealers.” particular, business remains steady at Bresee. Q: So what can consumers look forward to at Bresee? “The stories you read are misleading when it comes “Our customers can count on the same service and to this area,” Crouse said. “We don’t have real highs and lows in Central New York, so there isn’t a real value they’ve come to expect from Bresee Chevrolet. We also have two big downturn in business.” Q: So what is next for GM? new models For more in“GM will emerge from bankruptcy in the next 60 to c o m i n g formation visit 90 days and we’re happy to be part of that new dealer out, the breseechevrolet. network. We will continue to provide excellent service C r u z e com or call 218to our customers and offer the same great selection of and Volt 9995. both new and used vehicles that we always have.” (see sideQ: Why was Bresee Chevrolet one of the bar).Our dealerships kept open by GM? website is “I think part of the reason was our reputation. We very useralso consistently do a large volume of business with a friendly and Jeff Crouse, Bresee Chevrofocus on customer service, which is what makes us so is updated every let president successful. Our customer loyalty is also an important day.” factor in our success.”
with purchase of vehicle.
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06 Honda Odyssey EXL
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6 cyl., 42k miles, pw, pl, air, cruise, tilt, cd, leather w/heated seats, NADA Reatial over $19k. Valued priced at
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BAD CREDIT? NO PROBLEM. WE WILL HELP!
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Q: How will the closing of other GM dealerships affect your business?
“We’ll be covering an area twice the size as before, which will result in hiring more people as we deem necessary. It is also important to note that we are
Chevy Volt
Launching in 2010, the Chevy Volt is designed to move more than 75 percent of America’s daily commuters without a single drop of gas.That means for someone who drives less than 40 miles a day, Chevy Volt will use zero gasoline and produce zero emissions. Unlike traditional electric cars, Chevy Volt has a revolutionary propulsion system that goes beyond the power of the battery. It will use a lithium-ion battery with a gasolinepowered, range-extending engine that drives a generator to provide electric power when you drive beyond the 40-mile battery range.
Chevy Cruze
A compact vehicle, Cruze was with sophisticated styling cues that are fast becoming the signature for Chevrolet. Cruze boasts ample interior space, surprising cargo capacity and comfortable seating for five. With exacting safety standards and a quality build, Cruze delivers on Chevy’s promise to offer a smartly designed compact at an exceptional value. Production is scheduled to begin in April 2010.
Sales
From page 1
“We don’t have real highs and lows in Central New York, so there isn’t a real big downturn in business.” See page 3 for a Q and A with Crouse. Four generations and 87 years later, Evans Chevrolet is also still going strong. In fact, “2008 was the best year the dealership ever had,” said Mark Evans, who currently owns the Baldwinsville dealership. “Last year, we bucked the national trend,” he said. Evans attributes much of the dealership’s success to an organization-wide philosophy of taking care of
Cost
Hudson & Mowins
From page 2
Protect yourself from uninsured and underinsured drivers. You might not be the only one who’s looking to save a little dough--other drivers might cut costs by canceling their policy or reducing their coverage. And if one of those drivers hits you, you could be left paying for the damages. Uninsured and Underinsured Motorist coverage can help protect you. Shop around. Rates can vary greatly from company to company, so shop around to find the best deal. A local independent insurance agent can offer more choices and savings because he or she can review multiple options to find the
NAPA
the customer. “Our customer satisfaction rating has been consistently ranked in the top percentage of dealerships nationally,” he said. “Most of our employees have been with us for many years, the average being 14 years with the company, which means when the customer comes to the dealership, they see a familiar face.” “We will continue to represent the Chevrolet brand in the Baldwinsville area,” Evans said. See page 4 for more on Evans Chevrolet.
right mix of companies, policies and rates for you. Make sure your policy is up to date. If you’ve moved, gotten married or bought a home, check with your agent--you may be eligible for lower rates. Raise your deductibles. According to the Insurance Information Institute, raising your deductibles to $500 could reduce your Collision and Comprehensive costs by 15 to 30 percent. Research before you buy. Before you buy a new car, ask your agent what it will cost to insure. Generally, smaller cars with lower horsepower are less expensive to cover.
Check coverages. Owners of older or inexpensive cars could consider dropping Comprehensive and Collision coverages. Doing that can save hundreds of dollars each year. Check for available discounts. Talk to your agent about discounts your carrier provides. You might be eligible for a car insurance discount if you pay in full, are a loyal customer, sign up for paperless billing or list another car on your policy. If you’ve moved, gotten married or bought a home, check with your auto insurance agent--you may be eligible for lower rates -NAPS
AutoCAre Center
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Excellence - A
/ Excellence, June 24, 2009
Evans Chevrolet here to stay
mid-year report
Dealership continues tradition of great customer service
Erin Smith
Mark Evans, owner of Evans Chevrolet in Baldwinsville, stands with the much anticipated 2010 Chevy Camaro, which arrived at the dealership a couple weeks ago.
zation-wide philosophy of taking care of the customer. “Our customer satisfaction rating has been consistently ranked in the top percentage of dealerships nationally,” he said. “Most of our employees have been with us for many years, the average being 14 years with the company, which means when the customer comes to the dealership, they see a familiar face.” Evans Chevrolet not only sells new and GM Certified used cars, but they also provide customers
By Erin Smith
esmith@cnylink.com
In 1922, Mark Evans’ greatgrandfather opened a Chevrolet dealership in Baldwinsville. Four generations and 87 years later, Evans Chevrolet is still going strong. In fact, “2008 was the best year the dealership ever had,” said Evans, who currently owns the Baldwinsville dealership. “Last year, we bucked the national trend,” he said. Evans attributes much of the dealership’s success to an organi-
with an award-winning, state-ofthe-art service department, along with the body shop and parts department. The dealership is also involved in the Baldwinsville community including sponsorship of a local Little League team. “We will continue to represent the Chevrolet brand in the Baldwinsville area,” Evans said. Evans Chevrolet is located at 112 Syracuse St. in the village of Baldwinsville. For more information, visit evanschevy.com or call 352-4172.
Pictured from left are Eric Kulba, Scott Polmanteer, Ron Fitzgerald, Richard Stonecypher, Chris Racha and Fred Mathieson III.
Keep your vehicles in top condition at Hudson & Mowins By Georgia Keene
Since 1946, Hudson & Mowins Domestic and Foreign Auto Repair has served Baldwinsville and the surrounding area with exceptional customer service and work done with honesty and
value in mind. The AAA-Approved Napa AutoCare Center is a well-kept operation with friendly staff and a strong community presence. Owners Greg and Cathy Hudson encourage customers to keep their vehicles in top condition
in 2009. They emphasize that routine maintenance can save customers money in the long run. “With the economy the way it is, customers will benefit from maintaining the vehicles they have rather than dealing Please see Service, page 6
Longley Dodge strives to be the best dealership, not the biggest Customer satisfaction is top priority By Georgia Keene
Pictured from left are Gene Longley, John Wall and Dennis Longley of Longley Dodge in Fulton.
Longley Dodge, a Five Star Chrysler dealer, is a family-run business that has shown its staying power throughout the years. President Dennis Longley, vice president Gene Longley and sales manager Doug Longley represent three generations that have owned and operated the dealership since 1947. As a Five Star dealer, Longley Dodge meets Chrysler’s strict training, facility and process requirements. Chrysler periodically re-evaluates these dealerships, making sure they meet high standards. Individual staff members must also be evaluated specifically for their jobs, mean-
ing managers and technicians must attend training workshops in order to provide the best customer service possible. The staff members at Longley Dodge believe they must earn the business they receive. According to Dennis Longley, Longley Dodge strives to be the best dealership, not the biggest. Longley reports that 2008 sales ended strongly, with December sales up from the end of 2007. “I believe that much of our longevity as a business stems from treating our customers like part of the family,” Longley says. Among the dealership’s offerings is the Dodge Ram 1500, recently named International
2010 Chevy CAMARO
Here Today... Here To Stay! 112 Syracuse St., Baldwinsville
N RT 370
RT 31
EVANS
W RT 690
VanBuren Rd Exit S
Take Rt. 690 to Van Buren Rd., then left on Rt. 48
E RT 48
#GM2058, one owner, pwr seat, side airbags, ONSTAR, 38,104 miles
11,695
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2005 Chevy malibu LS #GM2044, one owner, Alloy wheels, V6, ABS, loaded, 45,073 miles
8,995*
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BENEFITS: • 100,000 mile, 5 year powertrain limited warranty • 12 month/12,000 mile bumper to bumper warranty • Has passed a 117-point comprehensive inspection • CARFAX vehicle history • 24 hour roadside assistance
No worries. 2007 Chevy Impala LS
www.evanschevy.com
2005 Chevy Equinox aWD #GM2005, one owner, LT, sunroof, heated leather, 6-disc CD, XM, ONSTAR, black, 29,625 miles
13,995
$
*
2007 Chevy monte Carlo 3Lt
2008 Chevy HHR Lt #GM2045, one owner, LT, sunroof, heated leather, black, running boards, 25,318 miles
13,995
$
2007 Chevy Pontiac g6 #GM2006, sunroof, traction control, alum wheels, spolier, 21,000 miles
$
$
13,850*
‘09 SILvERaDO
‘09 ImPaLa Stk #C9046 MSRP ........................... $24,640 Evans Discount..............-$1,148 GM Rebate ....................-$1,500 *Targeted Lease ............-$1,000 *GM Owner Loyalty .......-$1,000
Bodyside Moldings, V6, Pwr Windows & Locks, CD Player
YOUR PRICE
19,992*
$
Ext Cab 4x4
Deep Tinted Glass, 4.8 V8, Trailering Package
Stk #T9051 MSRP ............................. $31,170 Evans Discount................-$1,625 GM Rebate ......................-$2,500 *Targeted Lease...............-$1,000 *GM Owner Loyalty..........-$1,500
YOUR PRICE
24,545*
$
‘09 CObaLt
‘09 maLIbU Lt
2-DOOR COUPE
5-Speed Manual, Rear Spoiler, CD Player
Stk #C9027 MSRP .............................$16,020 Evans Discount............... -$1,070 GM Rebate ..................... -$1,500 *GM Owner Loyalty..........-$1,000
YOUR PRICE
12,450*
$
4-cycle, Power seat, Remote Start, BlueTooth, Bodyside Moldings.
Stk #C9058 MSRP ........................... $23,870 Evans Discount..............-$1,880 GM Rebate ....................-$1,000 *GM Owner Loyalty..........-$1,000
19,990*
YOUR PRICE
$
‘09 ExPRESS CaRgO vaN
‘09 EQUINOx aWD Lt
*
#GM2042, 3.5 V6, sunroof, 17in, alum. wheels, ABS, traction control, pwr seat, 21,000 miles
14,395*
j In Stock j
Remote starter, 17in alum chrome wheels, sunroof
Stk #T9000 MSRP .............................$29,050 Evans Discount............... -$1,500 GM Rebate ..................... -$1,000 *Targeted Lease ............. -$1,000 *GM Owner Loyalty..........-$1,000
YOUR PRICE
24,550*
$
V8, auto, cloth seats Ask about $500 Lowes Gift Card
Stk #T9032 MSRP .............................$26,390 Evans Discount............... -$2,600 GM Rebate ..................... -$1,000 *GM Owner Loyalty..........-$1,000
YOUR PRICE
* GM Loyal Bonus: current owners of GM vehicle 1999 or newer. * Targeted Lessees Bonus: current lessees with end date through 12/31/09. * All Prices Plus Tax, Tilte & DMV.
21,790*
$
Truck of the Year by J.D. Power and Associates. Longley says this vehicle is brand new from the ground up, with improved fuel economy, more horsepower and an unbeatable ride. Its quality is on par with the imports that have been so popular recently. Longley says that this popularity is not as well deserved as some might think. According to the National Highway Traffic Safety Administration, Chrysler recalled the fewest vehicles of the “Big Six” producers in the U.S. In 2008, Chrysler recalled 360,000 vehicles, compared to 2.2 million recalled in 2007. In contrast, Toyota and Honda both saw increases in their recalls in 2008 between 198,000 and 230,000 vehicles compared to figures from last year. These figures support the attitude at Longley that buying domestic vehicles is best for both the customer and the economy. Speaking of the economy, Longley Dodge has received good news regarding Chrysler’s financial troubles. “We got one of the good letters, and we will be staying open,” says Longley. Although Chrysler has endured some difficult times, it is emerging as a new company with lower costs and a focus on new, top quality products. “We look forward to moving into the future with Chrysler,” says Longley. He says that the U.S. auto industry can only grow from here, and looks forward to seeing it more closely resemble the glory days of vehicle manufacturing. “We’ve been here for over 62 years, and we plan on being here another 62 years,” Longley says. The dealership has service and parts departments with expert technicians who communicate directly with the factor y. Longley will ser vice any Chrysler, Dodge or Jeep vehicle regardless of where it was purchased. As a Chrysler dealer, Longley Dodge is better equipped to service a Chrysler, Dodge or Jeep vehicle than an ordinary shop. “Unlike smaller service Please see Longley, page 6
Home Excellence - A
mid-year report
Going ‘def’
A ‘dream come true’ First-time homebuyers get a ‘perfect storm’ of a deal
The Huards: Jeff, Sharon, Christopher, 6 months, Alex, 12 and Ellie, 10 stand in front of their dream home, about to become a reality.
Excellence, June 24, 2009/
Time Warner Cable’s CNY System offers 100 high-definition channels ...see page 7
Thinking of ‘moving on up?’
The best time to buy a home could be right now
S
S
haron Huard was a busy mom who works full-time, as do many women in this nation, when she received word of a promotion at work. She and her family, husband, Jeff, daughter Ellie, 10, and Alex, 12, rejoiced at the good news. During that period of celebration, she was then thrown a curve ball. Her husband, Jeff, a staff sergeant in the New York Army National Guard, received word at
A
almost the same time that he was about to be deployed to Afghanistan. Sharon, director of student support services at Upstate Medical University, also realized that her promotion now allowed her to move out of student housing, which was a requirement of her former position. “We lived in student housing for 10 years, and it was nice, but now we could realize a dream and buy a house,” she said. “The prob-
lem was, my husband was going to be leaving, so it would fall on my shoulders to find a house. He encouraged me to look and make the decision, but that’s a huge task to do alone.” So Jeff packed up and left for Fort Bragg in North Carolina for his “pre-deployment.” “We all cried,” Sharon said. “It was horrible to know that he was leaving.” Phone calls at least once a week and a visit during Easter helped.
By Jennifer Wing
ick of apartment living? Thinking of buying a house? Now could be the perfect time to make that life-changing purchase, with an incentive of up to $8,000 (see sidebar.) And many people are taking advantage of that incentive, according to David Manzano, president of the Greater Syracuse Association of Realtors. “Things are looking up, especially in the first-time buyers’ market,” Manzano said. “We’re seeing homes in that first-time buyers’ price range going really fast and seeing multiple offers on houses.” And why not? The time is ripe to purchase, with many options and homes priced right, Manzano, who is a licensed real estate broker at Hunt Real Estate in Fairmount, added. For ne example of a firstDavid Manzano, in time buyer getting her dream house, his second year as Greater see story at left. Syracuse Association of This is all good news for the lo- Realtors and two-time Recal real estate market, which did altor of the Year in Syraexperience a downtrend in the last cuse, has worked in real quarter of 2008. That downtrend, estate for 20 years. not only sells existing homes, Manzano said, was not as severe as but also works with Sciwas reported nationally. uga Custom Builders on “We were not in a good position as new construction. He and far as our statistics were,” he said. “In his wife have two children fact by the time we climbed out of the and live in Onondaga last quarter, we were down in our year- Hill. He can be reached to-date numbers. But we never really at 488-2926 ext. 227 or experience big highs and lows here in dmanzano@huntrealesPlease see Market, page 6 tate.com.
Please see Dream, page 6
First-time buyer tax credit FAQ
tax credit of up to $8,000 is available for qualified first-time home buyers purchasing a principal residence on or after Jan. 1, 2009 and before Dec. 1, 2009. The home purchased must me the principal residence of the buyer. The following are the answers to frequently asked questions supplied by the National Association of Home Builders:
Who is eligible?
First-time home buyers purchasing any kind of home—new or resale—are eligible for the tax credit. The purchase date is the date when closing occurs and the title to the property transfers to the home owner.
Who is a first-time home buyer?
A buyer who has not owned a principal residence during the three-year period prior to the purchase. For married taxpayers, it ap-
plies to both spouses.
What are the income limits?
The income limit for single taxpayers is $75,000; the limit is $150,000 for married taxpayers filing a joint return. The tax credit amount is reduced for buyers with a modified adjusted gross income (MAGI) of more than $75,000 for single taxpayers and $150,000 for married taxpayers filing a joint return. The phaseout range for the tax credit program is equal to $20,000. That is, the tax credit amount is reduced to zero for taxpayers with MAGI of more than $95,000 (single) or $170,000 (married) and is reduced proportionally for taxpayers with MAGIs between these amounts.
How do I claim the tax credit?
You claim the tax credit on your federal income tax return. Simply complete IRS
Form 5405 to determine their tax credit amount, and then claim this amount on Line 69 of their 1040 income tax return.
What types of homes will qualify for the tax credit?
Any home that will be used as a principal residence will qualify for the credit. This includes single-family detached homes, attached homes like townhouses and condominiums, manufactured homes (also known as mobile homes) and houseboats.
a check for a portion or even all of the amount of the refundable tax credit. For more information, visit federalhousingtaxcredit. com for more information about the National Associa-
What does the fact that the credit is “refundable” mean?
The fact that the credit is refundable means that the home buyer credit can be claimed even if the taxpayer has little or no federal income tax liability to offset. Typically this involves the government sending the taxpayer
Inside Excellence:
NYSERDA........................................................................................................................................6 Time Warner Cable........................................................................................................................7
Grimsley Agency.............................................................................................................................7
Excellence - A
/ Excellence, June 24, 2009
mid-year report
Seneca Federal earns approval from NYSERDA Seneca Federal Savings and Loan Association announced it has been approved by New York State Energy Research and Development Authority (NYSERDA) as a participating lender. Christopher Demong, president of Seneca Federal, said, “This is an important way we can help consumers in Central New York reduce their energy costs.” He further explained that the New York Energy Smart Loan Fund is designed to encourage eligible borrowers to take advantage of available products, technologies and other measures that reduce energy use in both existing and new 1 to 4 unit homes, apartments and commercial buildings. Mr. Demong fur ther explained, “Seneca Federal can offer NYSERDA approved borrowers interest rate reductions
Service
of up to 4 percent on loans for homeowners and others who make eligible improvements or purchase eligible energy star appliances. “A typical home improvement loan rate of 6.50 percent, for example, could be reduced to 2.50 percent.” He said the application process is not that difficult. “The customer fills out our typical loan application as well as the required application for NYSERDA,” the bank president said. He also said loans and even From left areTammy Purcell, vice president of lending; PennyVanAuken, grants are available for wind tur- vice president of operations; Katrina Russo, vice president, and Janice MacDonald, vice president secretary. bines and photovoltaic panels. “Nyserda.org is the best source measures, such as additional in- reduce the cost burden and assist of information for details of sulation, as well as looking into consumers in determining paythese programs,” said Demong. alternative energy sources. New back periods based on particular “As the cost of energy increas- York State has partnered with homeowners’ time horizons,” he es it becomes more important eligible financial institutions, added. for homeowners to take small such as Seneca Federal, to help
From page 4
with the expense of buying a new one,” says Cathy. Greg Hudson reports that many customers have been doing just that. Those who have recently bought new cars are also taking maintenance measures to protect their investment. The Hudsons remind their customers that they can keep up a vehicle’s warranty without returning to the dealership for service. The Magnuson-Moss Warranty Act states that owners can choose which service shop maintains their warranty. The staff at Hudson & Mowins hope their shop will be the community’s choice for warranty maintenance. Hudson & Mowins has been a AAAApproved center for 50 years, and has won the AAA Top Shop Award for seven years running. Under AAA’s program, Hudson & Mowins is held to high standards, all of which the shop meets or exceeds. The shop has also been a Napa AutoCare Center for 18 years. Napa requires that all of its centers be highly reputable and qualified to make
Dream
quality repairs. The technicians at Hudson & Mowins are outstanding; three are Master Technicians, which means they are qualified in every possible area of ASE Certification. This certification is given for service excellence. The rest of the technicians are working to become Master Technicians, while all of them are ASE Certified. The techs at Hudson & Mowins regularly attend training sessions to make sure they have the skills to service the array of new vehicles on the market. The reception area of the shop is always clean, with conveniences such as a toy-filled play corner for children, a television and computer setup, wi-fi internet, and coffee. The staff is friendly and helpful, and the mechanics speak directly to customers about the work to be done on their vehicles. The shop has a computer system that allows invoices and maintenance histories to be conveniently accessed. E-mails or postcards are sent out weekly to remind
customers when routine maintenance and inspections are due. Hudson & Mowins offers a Napa AutoCare credit card with 90day, same-as-cash terms. Hudson & Mowins continues its work with a research team from Syracuse University and the Napa Ad Council to help raise money for autism awareness. There are informative pamphlets and a donation box in the reception area, and so far the effort has been a success. The Hudsons have raised money by having people make donations in place of paying for some repairs. “If a customer comes in with a flat tire, for example, we will tell them to donate the cost of the repair instead of charging them. Yes, it cuts down on the money we make, but it is such a worthwhile cause,” says Cathy. She says that with the participation of several Napa service centers, a lot of money is being raised for autism research. Hudson & Mowins is located at 62 E. Genesee St. in Baldwinsville. To contact them, call 635-5681 or visit www.hudsonandmowins.com. They look forward to meeting new customers this summer..
Market
From page 5
Central New York, so the things that were happening in places like Florida and California were not happening here.” Syracuse, in fact, was listed by Forbes.com as one of the nation’s 25 strongest housing markets. According to forbes.com, “Housing markets in upstate New York never had the ups and downs of some hot markets in the rest of the country.” Within weeks of the stimulus package being signed by President Obama, sales started going up,” Manzano said. “Up until he signed the bill we weren’t doing so well. It was a good spark for first-time buyer sales.” Manzano calls another part of the equation, “the pentup consumer demand through 2008 to buy a home. We always knew that demand was there, but what happened with the stock market, Wall Street and mortgages got everyone nervous and jerky.” Manzano said this is reflected by the fact that the increase in business has not been limited to just the first-time homeowner. “Many current homeowners are also looking to move up into a larger home or, on the flip side, some whose children have left the nest are looking to downsize,” he said. “The demand is there, but the homes still have to be priced right. The ones that are priced well are flying off the shelves. The ones that aren’t are sitting there for a while. It’s so important for the seller to price their homes well. A $5,000 difference in pricing doesn’t seem like a lot, but it can make all the difference.” Manzano said the key to pricing right is for the seller to look at what the market is doing in their area and consult a good market analyist and licensed real estate broker. “In some cases you may need more than one opinion.”
Longley
From page 4
shops, we have special tools made specifically for Chrysler and factory training repairing these types of vehicles,” says Longley. He emphasizes that the technicians at Longley Dodge are better prepared to address people’s concerns because they specialize in servicing these models and have years of experience. Longley Dodge is located at 1698 Route 57, just south of Fulton. They can be reached at 598-2135 or at www. longleydodge.com.
From page 5
Upon returning home from that visit, Sharon was thrown yet another curve. “I discovered I was pregnant,” she said with a smile. “But Jeff was already on his way to Afghanistan, so I had to wait to tell everyone, since I wanted him to know first.” The pregnancy was an easy one, which Sharon said was fortunate since her husband was away. “It was hard because he couldn’t go through the pregnancy with me. Mentally I had to not have a partner, but I did have my sister as my coach.” Ellie piped in “When he was gone, I was daddy.”
Jeff said one good side effect of the pregnancy was it made his deployment go faster, both for him and his family. “I was there and she was here, so it was difficult,” he said. “I wanted to be there, but since I couldn’t be, it was a good distraction that helped time go by.” When asked about his time in Afghanistan, Jeff modestly downplays his role there. “It’s hazardous everywhere there, but there were people in more hazardous positions than me.” Meanwhile, back in the states, Sharon spent a good deal of time looking at prospective houses
Call Janice MacDonald or Tammy Purcell now at 315-638-0233 to start the application process
with her realtor David Manzano of Hunt Real Estate (see article, right.) Alex and Ellie had never lived in a house, and were excited about the prospect. “I started out very exited,” Alex said. “I was interested for the first month or two, then got bored out of my mind because my mom would make a list of everything that was wrong with each house.” Laughing, Sharon said, “That is so true.” On Dec. 17, 2008, their “Fort Bragg baby,” Christopher was born. Jeff narrowly missed the birth, returning home on Dec. 27.
MAIN OFFICE 35 Oswego Street P.O. Box 210 Balwinsville, NY 13207 (315) 638-0233 315-638-9871 FAX
NORTH SYRACUSE OFFICE 201 North Main Street P.O. Box 156 North Syracuse, NY 13212 (315) 458-6543 315-458-1105 FAX
LIVERPOOL OFFICE 105 Second Street P.O. Box 429 Liverpool, NY 13088 315-457-1280 315-457-9104 FAX
ONLINE www.senecafederal.com
“She called me and said, ‘the baby’s here.’” Now working as a technology teacher at East Syracuse -Minoa High School, he and his family then kicked looking for a new house into high gear. “We knew we wanted to live in the ES-M district and we knew what size of house we wanted, so that helped in narrowing our prospects,” Sharon said. While they looked at houses, the family saw and fell in love with a newly-constructed house in Minoa Farms, site of the 2005 Parade of Homes, an annual event showcasing the best of the best home builders in the Syracuse area.
“I knew it wasn’t in our price range, but it was so perfect for us,” Sharon said. That was when Manzano stepped in. “I talked with Sal Sciuga of Sciuga Custom Builders and he is just a great guy,” Manzano said. “This was a model home that had not sold, and Sal said, ‘it we’re going to sell this at a loss, I want it to go to a family like this.” So Sciuga “gave us a wonderful deal,” Sharon said. “He is amazing.” Manzano agreed. “His houses are great and he is known as a well-rounded builder, but he really doesn’t just build
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homes, he builds communities,” Manzano said. The couple will also be able to take advantage of the $8,000 incentive offered on new homes purchased in 2009, which will help costs (see sidebar.) Sharon said that even the lender they were going through has been very helpful and supportive, and the family hopes to close at the end of the month, due in no small part to the bank’s “pushing this through fast, without a lot of stress.” Manzano called the deal a “perfect storm.” “It took all of the pieces falling together just right,” he said. “This was really a combination where the realtor, builder and bank came together to make this happen.” “We say every day how lucky we are,” Sharon said, cradling her “Fort Bragg baby,” who is now 6 months old. “This is a dream come true, with a house that has many upgrades we couldn’t afford to do on our own. It has upgraded lighting, wonderful countertops and molding.” Sharon added that it is so great that her kids can take the bus to school. “I used to have to drive them,” she said. “And they both already have friends in the neighborhood.” Ellie, in the fourth grade at Fremont Elementary, likes math and plays lacrosse and said her favorite part of her new home is “the huge basement.” Alex, a sixth grader at Pine Grove Middle School who is involved in the Lego Robotics Club, is excited about his big room. Speaking for Christopher, Ellie said, “He’s excited about having his own room. He likes to look at the view through the window.” For more information about Sciuga Custom Builders, visit sciugabuilders. com.
Excellence - A
mid-year report
Excellence, June 24, 2009/
Time Warner Cable’s Central New York system reaches 100 high-definition channels Time Warner Cable’s Central New York Division has started offering its customers who receive its Syracuse-area lineup the ability to watch more than 100 high-definition (“HD”) channels. Advances in cable engineering, efficient use of cable’s high-capacity fiber-optic network and implementation of digital processing tools have allowed Time Warner Cable to reach this 100+ channel milestone. The company has accomplished this without needing to build an entirely new network or inconveniencing customers by digging up their front yards. Time Warner Cable uses a cable technology called “switched digital
video” (SDV) along with a stateof-the-art transport network that maximizes available bandwidth to increase its number of networks, and also allows the company to offer its Road Runner high-speed data service and its Digital Phone service – its “triple-play” package called “All the Best.” “Our customers with Digital Cable can get HD for free -- unlike satellite and Verizon’s FiOS TV,” said John Keib, President, Residential Services for Time Warner Cable’s Northeast/National Region who added, “Time Warner Cable offers viewers the easiest transition to HD and the best value of any provider today.”
With the recent June 12 national transition to digital-only broadcast television, many consumers have recently upgraded to HD-television sets to accomplish that transition. “With more of our customers owning HD sets, we knew we needed to provide them the programming content that took full advantage of their TV sets and satisfied their growing demand for a better-quality viewing experience,” Keib said. “Fortunately, our investment in engineering and technology coincided with an explosion in available HD content from our cable network partners,” he added, “and
that’s why we’ve been able to add nearly 50 new HD channels, in addition to much new “on-demand” content in HD, since January 1st of this year.” In addition to surpassing 100 HD channels, Time Warner Cable will soon begin delivering its own locally produced, exclusive-to-cable programming in high definition: its 24-hour local news channel News 10 Now and its Time Warner Cable Sports network, slated to launch in HD later this summer. The company said it will reach the 100-HD-channel mark everywhere in its Central New York Division (including the Southern Tier, the Utica/Rome area and
Grimsley helps to make insurance friendly
Northern New York systems) with the addition of additional HD channels later in June. An HD-capable converter is required to receive HD programming available, at the same rate as a non-HD converter.) About Time Warner Cable Time Warner Cable is the second-largest cable operator in the U.S., with technologically advanced, well-clustered systems located in five geographic areas — New York State (including New York City), the Carolinas, Ohio, southern California (including Los Angeles) and Texas. Time Warner Cable serves more than 14 million
customers who subscribe to one or more of its video, high-speed data and voice services. Time Warner Cable Business Class offers a suite of phone, Internet, Ethernet and cable television services to businesses of all sizes. Time Warner Cable Media Sales, the advertising arm of Time Warner Cable, offers national, regional and local companies innovative advertising solutions that are targeted and affordable. More information about the services of Time Warner Cable is available at timewarnercable. com, twcbc.com and twcmediasales.com.
COMMERCIAL / INDUSTRIAL REAL ESTATE RADISSON CORPORATE PARK Type: Industrial Land Location: Radisson Corporate Park Baldwinsville
By Melissa Renahan
Insurance is a tricky thing that most people know they should have, but aren’t quite sure of the details. There’s the type of coverage, the length of the policy, the cost and even which company will underwrite the policy to decide on. For two decades, the Grimsley Agency located nearby on W. Taft Road, has been the kind of place that will answer those questions. The agency serves as an intermediary between clients and over 40 of the largest insurance companies in the country, like Erie, AIG and Travelers. The agency’s profit is based solely on commissions calculated off of percentages per policy, and there are no incentives offered to brokers to attract business to one particular company. The brokers at Grimsley work with their clients (or as they are all quick to correct “for their clients”) to find the best coverage at the best price based on each specific situation and individual. Their commitment to customer service and attention to every last details has helped to make the Grimsley Agency one of the top agencies with most of the insurance companies they work with. “Insurance is not something you can afford to guess on,” said Don Grimsley, owner and broker. He also stressed that it is important for people to do their own research before they even come in. Over 25 percent of policyholders file a claim each year; that statistic makes it even more important to know what your coverage actually includes and covers. The agency boasts close to 10,000 clients and specializes in auto, home, commercial and property/casualty policies. Commercial clients can include restaurants and strip malls, for which they are authorized to perform code inspections. While they do underwrite their own policies, it is typically only
Size:
300 acres to subdivide
Price:
$15,000 - $40,000 depending on size and location
Radisson Development Office (315) 638-0271 www.radisssoncommunity.com qhubbard@empire.state.ny.us
WOOD EXT. • All other widths and depths at proportionate cost • Prices include all concrete work, labor, materials (except painting) • No Salesman, Builder will call
FEATURES: • Wire Mesh Re-inforced 3500 lb. Concrete floor • 2x4 Studs-16” O.C. • Truss roof construction to take heavy snow & eliminate posts & beams inside
• 1/2” Plywood roof sheeting • Quality Overhead doors • Local Quality Conscious Builder • Custom built not a Prefab • No extra charge within 40 mi.
1 Car 12x22.......$7,115 2 Car 20x22......$9,640 3 Car 30x22....$12,960
ROOFING AsphAltshingles & steel teAr Off - lAy Over
ViNyL & ALuMiNuM SidiNg ARe AVAiLBLe
These garages have Texture 1-11 siding and select pine trim with 12” enclosed soffits. Only periodic staining and painting are required
SIDING All types vinyl • steel • WOOd
CONCRETE pAtiOs • flOOrs sideWAlks • driveWAys
Over 30 Years experience • nO salesman, Builder Will call
reeve GaraGe Builders inc. 695-7088 • 695-5057 • 430-1114 cell
The agency staff, from left to right: Danielle Ruscitto, Heather Parker, Heather Martin, Dave Grimsley, Don Grimsley and Christine Cramer.
in a worst case scenario – for example if the driver had two DUI’s and was unable to get coverage from any of the major carriers. Grimsley, who was born and raised in Liverpool, describes his decision to start the business as sort of an accident. “My mom had been an agent and I sort of fell into it myself. That coupled with the desire to start my own business led to this agency.” Grimsley described his role as being more personal then you’d assume of an insurance broker. Though he runs the business, Grimsley still meets with many clients, though at this point, it is mostly the commercial ones. Not that family attention isn’t given - his brother and fellow agent David meets with most of the personal clients. They also work closely with the Solvay school district, providing grants for the “Looking Out” program, which is used to
demonstrate the perils of drunk driving. Most new business comes from word of mouth, though Grimsley has developed some valuable relationships with real estate agents who can refer new clients and with apartment complexes, like Willow Stream, off of Route 57. There is also an additional branch in Watertown that deals primarily with policies on and for the residents of Fort Drum. The Grimsley Agency follows normal Monday through Friday business hours, but true to the promise of working for their clients, brokers are available nights and weekends by appointment. Furthermore, Grimsley promises, someone is always reachable. “With us, there is someone there in case of a problem. Our clients are not left to handle things themselves,” he said.
89 Hoag Drive • Phoenix, New York 13135
It’s time to
LOOK BEYOND the
SURFACE.
To showcase your new kitchen or bathroom, you need more than a countertop – you need a BuschTop™. Elegant, functional and durable, BuschTops are custom-fabricated to your exact specifications right here in Central New York. And no matter what you’re looking for, Busch Products has the expertise, facilities and personal service to meet your needs. Surfaces: • Kitchen countertops • Vanity tops • Shower surrounds • Furniture • Table tops • Window sills • Unique designs
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Visit our state-of-the-art facility to browse our showroom, meet the staff and see how BuschTops are made.
BuschTop™ The Ultimate Countertop! 110 Baker Street | Syracuse, New York 13206 P: 315.474.8422 | F: 315.474.8424 | www.buschproducts.com
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Sample Homeowners Quotes DWELLING OTHER STRUCTURES PERSONAL PROPERTY LOSS OF USE. HOME & FAMILY LIABILITY MEDICAL PAYMENTS DEDUCTIBLE
ANNUAL PREMIUM
$100,000 $20,000 $75,000 $500,000 $1,000 $500
$189.00
$150,000 $30,000 $112,500 $500,000 $1,000 $500
$252.00
$200,000 $40,000 $150,000 $500,000 $1,000 $1,000
$263.00
$300,00 $60,000 $225,000 $500,000 $1,000 $1,000
$404.00
BASED ON A GUARANTEED REPLACEMENT COST HOME BUILT IN 2009 WITH HOME/AUTO DISCOUNT. Tier A, Rated quotes by ERIE Insurance Group.
GRIMSLEY AGENCY 5320 W. Taft Rd., N. Syracuse, NY 13212 • Phone (315) 452-0123 Fax (315) 458-4734 • (Next to Hinerwadels Clam Bake)
Erie Insurance Group, home Office, Erie PA 16530 • (814) 870-2000 • www.erie-insurance.com
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hedS Call Us Today!
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Excellence - A
/ Excellence, June 24, 2009
mid-year report
100
Now
over
available in
CHANNELS
HD!
*
The next generation of memories is waiting.
Basic Digital HD Channels
On Demand HD Channels HD Sports Tier
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FREE ON DEMAND 799 HD Showcase
†Additional fees if utilized
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FX HD E! HD Speed HD WCNY HD (PBS, Syracuse) WTVH HD (CBS, Syracuse) WSTM HD (NBC, Syracuse) WSYT HD (Fox, Syracuse) My 43 HD (My Network, Syracuse) News 10 Now HD Coming Soon! NY1 HD Coming on! So HLN HD WSYR (ABC, Syracuse) WGN America HD TV ONE HD Style HD FUSE HD G4 HD Weather Channel HD QVC HD WE HD TCM HD CoSomoning!
PAY-PER-VIEW† 1100 TEAM HD 1120 Game HD 1300 Events In Demand HD
249 Big Ten Network HD On Demand
798 Tennis Channel HD 804 NHL HD
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ADULT ON DEMAND† 1305 Adult On Demand HD
814 Big 10 Network HD 815 CBS College Sports HD
It’s easy to upgrade to HD: 1. If you have a high definition television and Standard Digital Cable from Time Warner Cable, call today to upgrade. 2. If you have a high definition television and do not have Time Warner Cable, call and order Digital Cable with HD today!
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3. We have HD DVRs available for the same lease price as a standard DVR. With your HD DVR you can record up to two HD channels at the same time.*
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*Time Warner Cable reserves the right to discontinue any feature or offer at any time. DVR Service and Movies On Demandare premium services with additional fees if utilized. Not all channels available to CableCARDTM customers. Lease of HD Digital Home Terminal required to access HD channels, Movies On Demandand Free On Demand. You must have a high definition television to receive programming in HD. Not all programming available in high definition. Networks may vary by region. Some restrictions may apply. All other corporate brands and logos are trademarks or registered trademarks of their respective companies. Line-ups subject to change at any time. HD channel count available in Syracuse market only.