Summer Excellence Home

Page 1

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New roost for Manlius store

G arden Knock, knock… Eagle Newspapers

See page 6.

What’s black and white and shiny all over? See Momsense on page 3 to find out.

Excellence – A Mid-year Report

July 13, 2011

Make a good first impression, starting with your front door

I

By Jennifer Wing t’s called “curb appeal,” that first glimpse people get of your home when they pull up in a car or walk by. Real estate agents can be as pleased with exterior curb appeal as they are with a well-maintained house on the inside. When it comes to residential property value, this book is indeed judged by its cover.

Picture this: A friend or aquaintance comes to your home for the first time. They walk up your neatly-manicured walkway and climb your front steps. They ring the doorbell, and, well, wait for you to answer. In the meantime, they are looking at the furnishings on your porch. So why not masonite.com make a good Entry doors can be simple, elegant or bold. Masonite is among the brands carried by Ryan’s Windows and impression Dorrs. See related article, page 3. and reflect Many homeowners look to replacing windows as a way your personal style? There are to save on their energy bill, but heat can also escape through “Incorporating birds many ways to add character leaky entry doors. and nature into your to the front of your house, but According to the U.S. Department of Energy, “New exlandscape will make perhaps the best way is to start terior doors often fit and insulate better than older types. If any yard more inviting,” with the basics, such as your you have older doors in your home, replacing them might said Heidi Menikheim , front door. be a good investment, resulting in lower heating and cooling owner of The Wild Bird “Your front door is the first costs. If you’re building a new home, you should consider Center of Manlius. thing people notice when they buying the most energy-efficient doors possible.” “[We offer] many step onto your porch,” Pierce Construction types beautiful and unique Ryan of Ryan’s Windows and Materials used to build doors include fiberglass, steel, items that can make Doors said. “It gives them their wood and glass. any entrance feel more first impression of the house and Fiberglass is a practical choice, and provide great insulawelcoming,” she said. the people who live in it.” “From hummingbird tion, according to consumerreports.org. Homeowners might not realfeeders and concrete Steel and wood also provides good insulation. Wood has ize the many options available to the added benefit of allowing you to paint it to match your birdbaths to symthem when it comes to doors, but home’s siding and other trim. phonic wind chimes and handmade garden they come in a variety of styles Glass can be used in many different ways on an entry art, customers can find and rainbow of colors. door, such as in sidelights, inserts or transoms, and the insomething that will According to consumer- sulation provided by glass doors is more than adequate. make any guest feel reports.org, most doors they Stylish doors warm and welcome. We tested “performed very well…so Looking for more than just a typical wood paneled door? are your ultimate backappearance and price will often Decorative glass panels or insets set into a door can add style yard nature store!” be the deciding factor.” and elegance to your front entrance. See story, page 6. Save with a new door

Bring nature to your home

Leisure time in CNY

See First impression on page 2

Home ‘greens’ home

Timber Banks offers the newest lifestyle in CNY

The dining and great room of an @ home builders model at Timber Banks.

Timber Banks Golf Club & Marina Community, located just off of River Road in Baldwinsville, is host to the newest lifestyle in Central New York. Owner and developer Gary Pooler had a vision more than 10 years ago about what Timber Banks would become. “Timber Banks has exceeded my expectations” said Pooler. “I believe we have one of the finest residential communities in all of New York State.” With the 18-hole Nicklaus Design golf course, the new Wedding & Banquet Center and two miles of walking trails, Timber Banks offers amenities that are difficult to match. You will also find two of the finest builders in all of Upstate New York available to you at Timber Banks. @ home Builders and Heritage Homes have models up for you to tour and also have endless custom

See Timber Banks on page 7

Brewski bound

Take a drive on the Finger Lakes Beer trail

By Jason Emerson Many people have heard of the Finger Lakes Wine Trail, but how about the Finger Lakes Beer Trail? The idea is a recent reality, and beer enthusiasts now have a resource to travel throughout the central New York area and find great regional beer and beer makers along the way. The idea began this past February by two local beer enthusiasts who are making the case that microbreweries are travel destinations too. “When you have a couple or a group on the road, one person may like wine but another may prefer beer. The Finger Lakes Beer Trail helps make the journey a one-stop destination and make everyone happy,” said beer trail co-

founder Theresa Hollister. “This is behind the response to the beer trail: the wine trail may not apply to every tourist, but the beer trail applies to another segment of the tourism industry, even reaches new markets.” The Finger Lakes Beer Trail was started this past spring by Hollister and co-founder Adam Smith after traveling the Finger Lakes Wine Trail and noticing all the microbreweries popping up along the route yet being overlooked. So they decided to create a beer trail that would showcase the region’s microbreweries, brew pubs, tap houses, and brewing-affiliated businesses. The trail currently consists of 45 locations, including 23 breweries, 11 brew pubs, six tap See Beer trail on page 7

2 / Home & Garden/Excellence July 13, 2011

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Looking to buy a home? It’s Territory Mortgage to the rescue Seminars assist home buyers

By Jennifer Wing In today’s difficult housing market, the prospective homeowner is faced with a much more rigorous set of criteria for mortgage pre-approval than in years past, yet many real estate agents will not take on clients without it. So, what is someone who is ready to make that important,

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life-changing purchase to do? That is where Mark Holzhauer, licensed mortgage broker with Territory Mortgage in Baldwinsville, comes in. Territory Mortgage has been servicing Central New York for over 10 years. “Although it is difficult to buy a house in this market, we are here to help,� Hozhauer said. “We work with the homebuyer to help make their dream of owning a home come true.� To that end, Territory Mortgage and Century 21 Leah’s Signature will host a Home Buyer’s Seminar at 7 p.m. Thursdays July 21 and Aug 4 at Century 21 Leah’s Signature office, 8563 Oswego Road in Baldwinsville. The seminar will address many issues both first-time and repeat homebuyers can expect to face, from gaining pre-approval on a loan to deciding what house is right for them. “We are here to help the homebuyer every step of the way,� Holzhauer said. “In the mortgage process, it is much more difficult to gain pre-approval than it was a few years ago. People don’t understand their credit score and that there are steps that can be taken to improve it. Many times we have clients that are almost there when it comes to gaining pre-approval, and we help them to make it happen.� Territory Mortgage’s Keith Bond pointed out that preapproval has become a must in this day and age. “Realtors are reluctant to show homes without pre-approval,� Bond said. “They’ll tell you to call your bank to obtain it.� Holzhauer said Territory Mortgage will work to make that all-important pre-approval happen for its clients. “Many people find they’ll go to a bank and get denied, and that’s it,� he said. “Here, we’ll say to them, ‘this is why you didn’t get pre-approved, and these are the steps you can take so that, in six months, you will be.’ We then work through those steps with them.� Another way Territory Mortgage differs from your typical bank is in customer service. “We are available seven days a week to answer questions and address any concerns,� Holzhauer said. “I have taken calls from clients at seven in the morning and at nine at night.� He said they help the buyer figure out what works for them when it comes to purchasing a house.

Mark Holzhauer and Keith Bond, of Territory Mortgage Inc., which has been servicing Central New York for more than 10 years. The seminar will address other subjects, including how to buy a home with little or no cash, how to improve your credit score and examples of available properties. Danielle Donhauser, associate broker for Century 21 Leah’s Signature, will discuss other aspects of buying that home as well, including the importance of home warranties and home inspections. Both Donhauser and Holzhauer also have the ability to refer clients to companies that will help to make homebuying a reality, such as home insurance and inspection professionals. “We will help our clients get the best service, at competitive rates,� Holzhauer said. “It is so important to have experience on your side.� Territory Mortgage is located at 43 Oswego St., Baldwinsville. Visit territorycny.com or call 635-5847 for more information and reservations for the seminar as seating is limited.

First impression

From page 1

Sidelights, which are featured on either side of your door, and transoms, glass windows that are above the door,

TERRITORY MORTGAGE & CENTURY 21 Leah’s Signature Present a FREE

HOME BUYER’S SEMINAR Thursday, July 21st, 7:00pm

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Home

& Garden

Excellence 2011

is a supplement to: Eagle Newspapers 2501 James St., Suite 100, Syracuse, N.Y. 13206 Phone: (315) 434-8889

Fax: (315) 434-8883

Publisher: David B. Tyler

Baldwinsville Messenger

Associate Publisher: Colleen Farley

Cazenovia Republican

Managing Editor, News: Doug Campbell Managing Editor: Jennifer Wing Circulation Manager: Lori Newcomb Cover Design: Jennifer Wing

The Eagle Eagle Bulletin Eagle-Observer Skaneateles Press

www.eaglenewsonline.com

Eagle Star-Review

Mark Holzhauer

Licensed Mortgage Broker 635-5847

Danielle Donhauser Associate Broker 652-1165

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come in a variety of designs, shapes and colors. “The more ornate doors with glass and caming [more commonly known as ‘leaded’ glass] are a good fit for the more traditional homes, such as Colonials,� Ryan said. “The more modern, or contemporary homes, look nice with the doors that have narrow glass panels. The Craftsman look is very popular nowadays, where there is a little shelf below the window of the door.� Trust the experts When considering new construction or renovations, it is always wise to consult with professionals. “With homebuilding, the architects and builders will send the customers in to us to see what choices there are,� Ryan said. “We also will help guide the homeowner doing renovations to make sure they get the door that best suits their needs.� Don’t forget the accents All exterior doors should have a deadbolt lock, but on the style side, doorknobs and handle sets have a spectrum of designs – from more simple to elegant to bold – as well as finishes, whether bronze, brass or nickel. In addition, you can dress up your entryway with doorknockers, doorbells and house numbers – usually coordinating with the finish of the doorknob. And don’t forget embellishments such as wreaths and folk art, if you are more traditional when it comes to home accents. On the more contemporary side, you may want to place topiaries on either side of your door, or include a sleek doorbell paired with an elegant door knocker.

Home & Garden/Excellence July 13, 2011/3

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Planning my first visit to a home furnishing icon

Ryan’s Windows and Doors helps customers every step of the way

What is black and white and shiny all over? Mackenzie-Childs’ Courtly Check enamel canister, of course! It is a set of three such canisters, in varied sizes, that I will be hunting for on my first visit to the company’s Aurora store, located at 3260 State Route 90. I won’t be alone – I’ll have a pair of seasoned veterans with me, friends who have gone to the annual Barn Sale (see ad, page 2.) As anyone who knows me will attest, I am a bargain shopper, and therefore refuse to pay full price for just about anything. That doesn’t mean, however, that I don’t want the Jennifer best and, simply put, Mackenzie-Childs is just that.

My quarry - size medium.

Wicker World Wing Momsense

See Momsense on page 4

Ryan’s Windows and Doors is a family owned and operated window and door store catering to architects, builders, remodelers, and home owners. They are centrally located at 190 Hiawatha Place off Hiawatha Boulevard between Fourth North and Sixth North. Ryan’s spacious, newly-remodeled showroom offers a wide variety of windows and doors St., for 8364 Factory new construction and renovation. Quality windows like Mar vin and Hurd are on display as well as beautiful interior and exterior doors such as Therma-Tru, Masonite and Woodharbor, to name a few. EcoShield and United are two of the vinyl window lines for new construction and replacement that can be seen at Ryan’s. For the past 18 years the Ryan brothers, Morey, Bob and Pierce, along with Ted Raby, have been helping homeowners choose the windows and doors that best fit their needs and their budget. They

can explain and show the to make them more confeatures and benefits of venient for cleaning or the products and why one to improve their appeardoor or window is better ance. With our selection than another. on the showroom floor With their professional we can make recommenreputation well-estab- dations to sensibly fit the lished among contractors need.â€? and architects, coupled Bring your plans or with the upswing in new ideas to Ryan’s Windows 8364 Factory St., Cicero • 315-699-1150 building and renovations & Doors and let the exMonday-Friday 10:30-6, Sat 10:30-5 • www.wickerworldcny.com this year, Ryan’s Windows perts help. Whether it be and Doors expects 2011 one window or a whole to be a good one in Cen- house of windows, Ryan’s I<DF;<C › I<GC 8:< › I<K? @E B tral New York. has theMonday-Friday product for you. Cicero 315-699-1150 10:30-6, Sat 10:30-5 www.wickerworldcny.com “We help customers Ryan’s has helped cusever y step of the way tomers from Binghamton, from the initial deci- Watertown, Utica and, of sion on style and brand course, from Central New I<DF;<C › I<GC 8:< › I<K? @E B through the installation York. They have many reand maintenance,â€? Pierce peat customers and they said. “Since we work with are referred often by satisso many reputable build- fied customers. They can ers and contractors we help you if you are plancan make reliable refer- ning on new windows and rals to home and building doors. owners. With the interCustomers can find est rates still down and Ry a n’s Wi n d ow s a n d heating costs up this is a Doors easily. Hiawatha good time to plan on re- Place is between Fourth placement windows and North and Sixth North doors. Eliminate those and can be reached from cold drafts and moisture either Hiawatha Boulethat come with the cold vard or Wolf Street. Call weather. Or maybe it is a 425-7915 for more inforquestions of just wanting mation. to upgrade the windows

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At left, Morey Ryan and brother Bob Ryan display a new Therma-Tru fiberglass entry door at their newly-remodeled showroom.

4 / Home & Garden/Excellence July 13, 2011

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Colonial Laundromats – serving CNY with 31 locations When Central New York residents think of laundromats, only one name comes to mind. Established by father-son team Jerry and Tim O’Connell in 1983, Colonial Laundromats grew auspiciously from a laundry equipment distribution business into, 26 years later, Central New York’s number one laundromat. Tim O’Connell says the main difference between his laundromats and the competition

Sales & Makes Service & on all Models

is cleanliness. “Laundromats don’t necessarily have the best image,� said O’Connell. “We put cleanliness and safety above all else in our laundromats.� All Colonial Laundromats are well-lit, safe and open 24 hours a day to meet the needs of their customers. An attendant is almost always on duty, primarily to keep the store clean, but also to answer questions and be helpful.

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Pictured are a few of the huge new 80-pound washers just installed at Colonial Laundromat’s North Syracuse location, 500 N. Main St. “Our employees won’t do your laundry, coming in and helping with the family laundry. but they’re very friendly and willing to assist They like to get it done fast – and they can do with any questions you might have,� O’Connell that with these large capacity washers.� said. Colonial Laundromats are located within Colonial Laundromats are becoming a 90-mile radius in the Syracuse area, with 31 popular with people who want to save money different locations. Its newest addition is in on their water, gas and electric bills. Gouveneur – open 24 hours a day. “People do eight-nine-ten loads at home About 55 different self-serve washers are and it takes all day,� said O’Connell. “Now they available at each location. Sizes range from come here, use our 75-pound capacity washers standard front-loader machines to 35, 55 that are environmentally friendly and get all and monster 75-pound washing machines their laundry done in an hour. And look at the to meet any laundry challenge you may savings on their water, gas and electric bills. A have. Prices range from $2.50 to $4.50 to top loader at home, with 20-pound capacity, $7.50 for the 75-pound machine, ideal for will use 28 gallons of water use 24 gallons for comforters and quilts. Need something to the whole cycle, and that’s good for the envi- keep you entertained while you wait? Coronment. More and more people are thinking lonial has you covered with a wide range like that. Come here, and for $10 you can do of newspapers and other reading materiSee Colonial Laundromat on page 5 a lot of laundry. We have more and more men

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I mean, how ingenious! An unbreakable, enamel canister set, something I, clumsy and awkward with anything fragile, can actually use on an everyday basis. I currently have the matching cookie jar, and have dropped its lid at least a dozen times, so I know how durable the

From page 3

enamel can be. So on Friday July 15, I will lie in wait, hoping that when the doors open there will be a highly-discounted set of canisters for me, along with the other kitchenware, tableware, furniture, lamps, tiles, rugs, etc. to be found at the sale.

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I have been assured by my “experts� that there has never been a set of canisters on sale during this annual event, but I am trying my luck, anyway. After all, the thrill of the hunt is probably more exciting to me than the actual purchase. And how lucky are we, that we have a local store for a company that is so well-known? I’ve heard that viewing the inside of the farm house at Aurora is worthy of the trip itself. So we will pack up early, bringing our chairs and conversation to wait in line with other hopefuls at the starting gate. It’s shades of Black Friday, just not as cold, and I’ll be planning, just as I do on that annual shopping event. I’ll have to go to mackenzie-childs. com to do some research on what I want and what pricing is, then figure out the best route to get there. My shopping cohorts and I will share our shopping lists, so we can divide and conquer. If one of us encounters something on another’s list, we’ll assuredly grab it and go. I might even get some of my Christmas shopping done, five months early!

Home & Garden/Excellence July 13, 2011/5

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Take advantage of credit union service at SECNY ily. For example, the North Syracuse office boasts the first indoor drive-thru in America to shield members from the Syracuse elements while conducting their transactions as well as a financial showroom complete with cars, motorcycles and morewith financing available just an office door away. Plus, members may find fresh Tim Horton’s coffee available each day in each branch along with coin machines, 24-hour ATMs and night deposit drop boxes. The credit union prides itself in “Serving Everyone in Central New York” and therefore offers a comprehensive list of financial services. Among the services SECNY members can take advantage of: Free checking Visa Debit Card Visa Credit Card Unlimited, surcharge-free transactions at over 43,000 ATMs Nationwide (450+ in CNY) Free virtual branch online

Colonial Laundromat als, a better alternative than watching your whites endure the spin cycle. Colonial Laundromats are located in Auburn, Baldwinsville, Bridgeport, Cicero, Cortland, East Syracuse, Fairmount, Fulton, Geddes Street, Geneva, Gouveneur, James Street, Liverpool, Mattydale, Manlius, Massey Street,

account access Free online bill pay Free e-statements Free mobile money Direct deposit Coin machine 24-hours instant decision online loan application Loans and mortgages Certificates and IRAs Health savings accounts The credit union maintains its focus on education and commitment to going beyond just providing basic financial services. SECNY holds two free Community Shred events annually in efforts to help prevent identity theft. Additionally, the credit union offers Insurance, free estate planning services including tax review, financial planning and simple wills as well as a property tax appraisal/grievance service as part of its complete member benefits package. For information on credit union membership, contact SECNY FCU at any of the following locations: Onondaga

Hill-Main Office 469-5599, Manlius 682-1174, Baldwinsville 635-5418, North Syracuse 214-2995, or Skaneateles 554-8070. Or visit secny.org. Stop by and visit SECNY in the Center of Progress Building at the Great New York State Fair this summer! SECNY FCU is federally insured by the National Credit Union Administration and is an Equal Housing Lender.

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SECNY Federal Credit Union is 100 percent local, owned by its members and overseen by volunteer board of directors and committee members. With nearly 15,000 members and a 40-year history of outstanding financial service in Central New York, SECNY asks: are you a member? SECNY FCU membership is free and open to everyone living, working, worshipping, attending school in as well as businesses and legal entities in the Central New York area. This area consists of Onondaga, Cayuga, Madison and Oswego counties. With five Central New York branches (three of which have opened within the last three years), SECNY has experienced positive growth in the communities it serves. Each branch houses the technology to provide all the conveniences of everyday banking with the personal touch of a friendly face who knows you and your fam-

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6 / Home & Garden/Excellence July 13, 2011

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Classic Cozy helps you feel comfortable at home year round Services and products can help you save money on your energy bill Many people feel that insulation is only to keep out the cold, but in actuality, it also works just like your refrigerator’s insulation that keeps your food cold. In fact, your home does indeed become cooler with proper insulation. When it comes to feeling comfortable in your home, you have to be ready for any type of extreme weather including the sticky, hot and

humid weather in the summer and the frigid, arctic temperatures in the winter. And, without proper insulation and heating and cooling system you can forget about feeling comfortable in your own home at any time. In addition, we all know how much our energy bills go up in the summer time due to the air conditioner, but Classic Cozy has had

customers experience savings of more than 45 percent when they insulate, upgrade their heating and cooling systems for the winter, and/or install Energy Star windows and doors. And if you’re looking for an insulation that will save you even more money, keep an eye out for the different insulation number. The bigger the number, the more the savings. The number

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also refers to heat flow. For example, R-40 has twice the resistance to heat flow than R-20 has. So, we now know benefits of insulation include keeping out the heat, keeping out the cold and saving us some money when it’s time to pay the energy bill at the end of the month. But did you also know that insulation can be environmentally friendly? Well, sure can. Classic Cozy has used a cellulose insulation for decades which is made from 85 percent recycled newspaper. However, there may be other kinds of insulation that are more appropriate to fix a specific problem. So, how do you know if you need to insulate your house? A professional can determine if your home needs insulation, how much and where. It normally takes less than one hour to assess the need. From there, you will know what action to take. In the meantime, here are some questions you can ask yourself to determine if you need to call a professional: 1. Is your home very hot in the summer and cold in the winter? 2. Do you have mold growing on walls or ceil-

The Classic Cozy team is ready to help you feel comfortable in your home throughout the year while saving you money on your energy bill. ings? 3. Do you have utility bills that are too high and you still have to wear a sweater in the kitchen? 4. Do you have large icicles hanging from your house during parts of the winter? 5. Do you have some rooms that never get comfortable? If you answered yes to any of these, then you should call a professional today for an inspection. So stop sweating on your living room couch in August and don’t wait to feel like you’re actually in the stands freezing during the football game this. Take action and find out whether or not you need insulation. About Classic Cozy In addition to insula-

tion, Classic Cozy provides other services that can save you money. Classic Cozy sells fireplaces and fireplace inserts as well as gas, wood and pellet stoves. They also install vinyl, wood and fiberglass Energy Star windows and doors. Other products and services that we can help you lower your bills include installing solar water heaters, electric panels, insulated siding, highefficiency air conditioning units, high-efficiency furnaces and other heating systems. They are certified to work with Energy Star program in New York state and hold licenses for HVAC and general contracting. In business for more than 20 years, Classic Cozy has a long and growing list of satisfied customers.

Heidi Menikheim holds a Screech Owl brought to the grand opening of her store in Manlius by wildlife rehabilitator Cindy Page.

Finding a new nest

The Wild Bird Center of Manlius gets new location The freedom of flight. The beauty of nature. The sweet sounds of songbirds. All this, just outside your back door! Stop by the Wild Bird Center of Manlius for great backyard birding products suited to every yard, every budget and every need. Opened in January 2008, the Wild Bird Center of Manlius is family owned and operated by Heidi and Bob Menikheim of Manlius. Their passion for birds and nature inspired them to open their own store so they could share their love and knowledge of backyard birding to their customers. The Wild Bird Center of Manlius recently moved locations. You can now find them in a historic landmark in the village of Manlius at 315 E. Seneca St. (Route 173). They encourage all customers old and new to stop in check out their new digs! Also don’t forget to join them on a bird walk which takes place on their property; a National Wildlife Federation Certified Wildlife habitat. It’s a great way to learn about birds and spot new species that you may have not seen before! Heidi and Bob are proud to offer their customers top of the line products guaranteed to provide years of enjoyment. Their feeders are quality constructed for long life, attract a wide See Wild Bird Center on page 8

Home & Garden/Excellence July 13, 2011/7

THE

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EAGLE

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Beer trail

From page 1

houses, and five beer stores, and already has promoted more than 100 events in less than six months of operation. “The response so far has been tremendous, more than we expected,” Hollister said. “It’s been very positive, not just from breweries but also from tourists.” According to the National Brewers Association, there are more than 1,750 breweries operated for some or all of the year, giving the U.S. its largest pool of breweries since the late 1800s. Of these breweries, over 95 percent are craft brewers: 1,033 brew pubs, 603 microbreweries and 80 regional craft brewers. In 2010 alone, craft brewing in the U.S. grew 11 percent by volume and 12 percent in sales to $7.6 billion. “The more research I did the more I realized microbreweries are a growing niche of the economy,” Hollister said. Hollister and Smith have more than 30 combined years of experience in project management, marketing and development, and web-based applications. The primary means of promoting and marketing their beer trail brainchild is through the website, fingerlakesbeertrail.com, which includes an interactive map and directory of brewingrelated destination points, searchable by location and category; a calendar of events and the latest news covering the entire beer trail area. The beer trail itself spans roughly 135 miles across central New York, stretching from Syracuse over to Rochester (with a majority of the beer destinations in the Cayuga and Seneca Lake areas) and all the way south to Elmira. The trail currently lists four locations in the Syracuse area: Empire Brewing Company, Middle Ages Brewing Company, Syracuse Suds Factory and Landmark Beer Company. Also nearby is the Cortland Beer Company. New locations being planned for inclusion on the trail, or “still fermenting” as the website says, are other local destinations such as Shepherd’s Brewing Company and Jack Taylor’s Brewery and Public House, both in Auburn. “This is a great idea,” said Syracuse Suds Factory, owner, Alan B. Smith. “I think anytime you drive business toward tourism and bring money from outside our area into it is a wonderful thing. Everybody always talks about the bad economy and how

options for you to choose from. It is a must see for everyone in Central New York. @home Builders is one of the most respected new home builders in Upstate New York. President of @Home Builders- David Riedman has a proven track record in building a home to meet your lifestyle needs. They have new homes for sale all across Upstate New York including right here in Central New York at Timber Banks. @Home offers resort style apartments, cottages, villas, townhomes and single family homes with prices starting in the low $200’s. With all of these options they truly have a product for everyone. For more information about @Home Builders or to schedule a model tour please call Teresa Carpenter at 6356006 or visit timberbanks. com and follow the link to the “Live Here” page. Heritage Homes founder and President Dan Bargabos is a fourth generation contractor with more than 20 years of experience. Heritage has built their reputation on quality, style and craftsmanship and they have lived up to that reputation at Timber Banks. Weather it is a colonial style, ranch or a traditional design, Heritage has something for everyone. In addition to their library of over 300 designs, Dan and his team offer endless custom options which means that your new home will be just that- yours. For more information about Heritage Homes or to schedule a model tour please

Finger Lakes Beer Trail

Finger Lakes Beer Trail founders Adam Smith and Theresa Hollister at Naked Dove Brewery in Canandaigua on June 5.

From page 1

contact Barb Ciricillo at 3452355 or visit the Timber Banks web-site at timberbanks.com and follow the link to the “Live Here” page. Not only does Timber Banks offer some of the finest homes in all of Upstate New York, a Nicklaus Design golf course and all of the amenities that come with living at the newest community in Central New York, new for 2011 is the addition of the Wedding & Banquet Center. With room for up to 400 guests they can host wedding ceremonies, receptions, corporate events and banquet functions just to name a few. With their gazebo ceremony site right on the Seneca River, endless photo opportunities with the Nicklaus Design golf course and the walking trails and the new Wedding & Banquet Center, Timber Banks offers the bride- to- be everything they would need all in one location. You would be hard pressed to find a more picturesque spot for your special day anywhere in Upstate New York. “We still have dates available for the 2011 season” says General Manager Perry Noun III. “There is still time to book weddings for this year. Our staff can gear up and be ready for those who still need a one stop shop facility.” Please call General Manager- Perry Noun III at 6358800 to book your date or to schedule your facility tour. You can also visit the web- site at timberbanks.com and follow the link to the Wedding & Banquet Center page.

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things are going, but it only stays stagnant if all you do is recycle money within an area. If we can promote and bring people from outside in, it always helps everybody.” Kiernan May, owner of the Landmark Beer Company on James St., said the beer trail is a brilliant marketing tool that can do for the beer industry what the wine trail did for the wine industry. “I think it’s an awesome idea,” May said. “The wineries have shown that by grouping together they all mutually benefit. Brewers have done that to some extent, but have no trail per se. It’s definitely good for the industry and for all the people involved. People go on a wine tour and have wine they never had before — the same thing would happen in a beer tour.” Of course driving from Syracuse to Rochester or down to Elmira would be a long day trip, especially while sampling lots of beer, May said, but to visit the cadre of microbreweries in Syracuse, and then hit some of the bigger bars that serve a large variety of beers would make an excellent afternoon outing.

8 / Home & Garden/Excellence July 13, 2011

THE

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CNY’s source for news, views & things to do

EAGLE

NEWSPAPERS

Seneca Federal: Not an average mortgage originator “Seneca Federal Savings and Loan Association is not an average mortgage originator but it IS an average community bank,� said Katrina Russo, president-CEO of Seneca Federal Savings and Loan Association. Sound community bank mortgage lending practices are not the source of problems that have turned the economy on its ear. Rather, the “big� banks who took part in the sub-prime lending with less than qualified applicants is what has contributed to the downturn of the economy. “It’s not all about making a quick buck,� said Russo. “Mainstream America has to start thinking beyond the all mighty buck and remember what is really at the heart of this nation, which I believe is what all communities bank’s thinking boils down to. The dream of homeownership is a dream we help make happen and it can be done in a conservative manner and still render positive results to many.� Seneca Federal provides traditional, local home town lending with competitively priced mortgage rates. “We look to competitors daily, in part, to decide where to price our mortgage rates,� said Tammy Purcell, VP–lending. “We also respond quickly to pre-qualification re-

quests and pride ourselves as local underwriters with timely commitments.� Seneca Federal has never used credit scores as a basis for loan approval but base loan commitment on actual consumer credit history. This ‘traditional,’ ime-tested practice has worked well for the association, with a foreclosure rate near zero percent. “A low foreclosure rate sometimes leads people to ask me if we are risky enough with such a low default rate,� said the president, adding that the low default rate has more to do with the rapport they have made with their customers during the underwriting process and less to do with not taking risk. “Our loans are often tailor-made to our customer’s specific needs and we build a rapport with them from the beginning, indicating that we are on the ‘same side’. We are very thankful when a customer is willing to approach us when they are having difficulty and before the loan is in default and we are able to work with finding a solution to get them through a rough time such as a job loss,� added Purcell. At Seneca Federal you always have the ability to speak directly with experienced loan underwriters who assist you in your mortgage loan application process from start to finish,

including servicing throughout the loan. The lending team is carrying on with the philosophy of individualized lending that community banks thrive on. “We are imbedded in our communities and want to offer competitive mortgage, consumer and commercial loan rates for the benefit of our customers,� said Purcell. “We aren’t a ‘cookie cutter’ secondary mortgage market lender. We understand the needs of our communities and want to provide a competitive product.� The mortgage servicing is always retained by us so our customers are assured they will work with us for the life of the loan. One example of a loan that is often tailormade to a customer’s needs is the construction to permanent financing mortgage loan with one loan closing and a rate that is determined at commitment, before the construction phase. This loan is popular since the rate can’t change when it ‘converts’ to permanent financing later and closing costs are only paid once, upon commitment. The risk of a higher rate later after the house is constructed is removed. Another such tailor-made loan includes a mortgage where a customer is purchasing a house in which projected renovations are included. The

Wild Bird Center

Seneca Federal Vice President – Lending, Tammy Purcell, left, and Assistant Vice President – Lending, Rebecca Smith. purchase and renovation costs are wrapped into one mortgage loan. Other features which add to Seneca’s appeal as a mortgage lender include no flood certification fees and no underwriting fees. “This culture of personalized service was instilled into us by our predecessors, so that Seneca Federal’s continued success is guaranteed for decades to come,� she said. “We pride ourselves on providing the best possible products with the lowest possible lending rates. As a community bank, it is our job to increase the wealth of our members through low lending rates and high savings rates, given the state of the economy at any given time,� according to Russo. From page 6

variety of birds and hold up great in all seasons. Their premium bird seed contains black oil sunflower, hulled sunflower, peanuts, Nyjer, safflower and/or millet depending on the brand. Fill up your feeders and watch in wonder as chickadees, cardinals, nuthatches, woodpeckers and colorful goldfinches flock to your

feeders! All Wild Bird Center seed consists of the freshest ingredients and contain no fillers. Looking to attract woodpeckers and flickers? Easy, zip-open packs make feeding suet a breeze. Check out each of the seven different flavors, including WoodpeckerWise and Insect Treasure, and attract new and exciting birds

in the process. Be sure to complement your backyard feeders with comfortable houses for your birds to call home. Whether it’s bluebirds, chickadees titmice, nuthatches or many others, all Wild Bird Center houses feature all-screw, cedar construction that ensures comfortable baby birds. In the hot summer heat,

it’s important to keep your bird baths full and fresh. Add a water wiggler to attract birds looking for a cooling “swimâ€? or fresh drink and guarantee the happiness of your feathered friends. Choose the style, size and feed to fit your backyard birding needs and start having fun! Feeding birds is an enjoyable, rewarding and afford-

able hobby offering a peaceful connection with nature. The Wild Bird Center line offers a complete selection of feeders, nest boxes, mounting options, accessories and seed perfect for any backyard birding situation. Want goldfinches? They have just the right feeders and seed to attract them. L ike wo o dp eckers?

They’ve got styles of feeders they love. Selecting the perfect feeder and combining it with the perfect seed ensures the joy of nature in your own yard. Discover a better backyard bird feeding experience at the Wild Bird Center of Manlius today. Stop in today, they look forward to seeing you!

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