DollarSaver Schoharie 7.13

TriTown COMPUTERS

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Let Elvis tell you what time it is!

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Stop in at your local Schoharie Businesses for tickets.

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July 2013 • DollarSaver • Page 2

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Email us pictures along with your 150 word editorial of “your favorite” business or organization and we will do our best in acknowledging all those who rise above the norm. You may send your information to: mfowler@leepub.com. Deadline is on the 15th of each month. So, don’t delay! Send your information in NOW!

A roaring campfire is often a staple of the camping experience. A campfire to cook food or keep warm is an asset at any campground, and in the evening hours, a fire can provide a sense of security against inquisitive forest animals. A burning fire can also illuminate a campsite, which makes maneuvering around the site easier.

Although there are many benefits to having a campfire, it's important to note that fires, especially in very dry conditions, can be dangerous. It is essential to check a particular campsite or park's posting about drought conditions to avoid an accident. In the wrong conditions, a cozy fire for toasting marshmallows can grow into an out-of-control wildfire in a matter of seconds.

Starting a fire When you are ready to start a fire it is important to keep safety in mind. * Pick a safe spot to light the fire.

Many campfires have fire rings for campers to use. If you are selecting a fire location on your own, choose an area away from brush or other easily ignitable material. Make a ring with large rocks to keep the fire from spreading. Keep the fire several feet away from your tent. * Gather materials during the day so

you will not be scrambling for them after dark. You will need both tinder and kindling to light a fire and keep it roaring. Tinder is any small, highly flammable material that can light and burn quickly. Fibrous plant material, small twigs and newspaper make good tinder. Kindling is small pieces of wood that will burn long enough to catch larger logs of wood on fire. Finally, you will need a few logs of thicker wood that will sustain the fire.

Have plenty of material on hand to be able to continue the fire, or you may find yourself foraging in the darkness when the fire goes out. * Create a teepee or X pattern for a well-burning fire. Layer your tinder as the first level of the fire. Stack a few pieces of kindling on top of the tinder in an X or teepee shape. Ensure there is enough air to move freely through the fire to make ignition easier. Light the tinder from four compass points to get it all to light. Slowly blow air into the fire to allow it to burn hot enough to catch the kindling. Continue to add small pieces of kindling until you have a nicely sized fire. Then you can add larger pieces of dry wood for a big blaze. * Do not use accelerants when starting a fire or keeping it going. Avoid the use of chemicals, including lighter fluid and other accelerants in your campfire. Do not use chemically treated paper or plastic materials in kin-

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dling, as they can produce noxious fumes and smoke. Accelerants can cause the fire to burn out of control.

Keep the fire contained to what you can manage, and always keep a watchful eye on the fire.

You may need to fiddle with the fire from time to time to vent it and allow for equal burning. Having an ample amount of wood on hand will enable you to feed the fire easily. It's much easier to keep a fire going than start from scratch once it has burned out, especially in the dark.

Be mindful of embers that drift in windy conditions. Also, do not put your face or body directly over a fire.

If the wood pops, you could be burned. Children should be carefully supervised when around a campfire.

Extinguishing the Fire After building your campfire, completely put it out when you are done.

Thousands of acres of wilderness are burnt from carelessness with regard to campfires. * Put out the fire a half hour to an hour before you plan to leave the campground. There should be mostly ash and few chunks of coal left if you have planned accordingly and started

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* Make sure everything is wet and cold to the touch before you leave the campsite. If the fire area is too hot to the touch, it's too hot to leave it because a fire may reignite. * Once you feel that everything is cool, you can scoop the coals and ash into a bag and carry it out of the woods for disposal.

Knowing how to safely light, maintain and extinguish a fire is an essential component of safe camping.

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* Pour water over the hot ashes to drown all embers. It's not just the red embers you have to worry about. Pour water until all the hissing sounds stop. Avoid standing directly above the fire when you pour the water because it will generate a lot of steam and smoke. If you do not have water on hand, mix dirt or sand with the embers to smother the flames. Continue to do so until the material is cool.

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* Use a stick to stir up the wood and ash and distribute the burning coals and embers. This is to extinguish any remaining flames as much as you can.

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Page 3 • DollarSaver • July 2013

How to safely light and extinguish a campfire

July 2013 • DollarSaver • Page 4

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Dear God, I would like to take this time to say “ Happy Birthday America” and to remind the people of the following: The Defense of Fort McHenry

by Francis Scott Key 20 September 1814 Oh, say can you see, by the dawn’s early light, What so proudly we hailed at the twilight’s last gleaming?

Whose broad stripes and bright stars, through the perilous fight, O’er the ramparts we watched, were so gallantly streaming?

And the rockets’ red glare, the bombs bursting in air, Gave proof through the night that our flag was still there.

O say, does that star-spangled banner yet wave O’er the land of the free and the home of the brave?

On the shore, dimly seen through the mists of the deep, Where the foe’s haughty host in dread silence reposes, What is that which the breeze, o’er the towering steep, As it fitfully blows, now conceals, now discloses?

Now it catches the gleam of the morning’s first beam, In full glory reflected now shines on the stream: ‘Tis the star-spangled banner! O long may it wave O’er the land of the free and the home of the brave.

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And where is that band who so vauntingly swore That the havoc of war and the battle’s confusion A home and a country should leave us no more?

Their blood has wiped out their foul footstep’s pollution.

No refuge could save the hireling and slave From the terror of flight, or the gloom of the grave: And the star-spangled banner in triumph doth wave O’er the land of the free and the home of the brave.

Oh! thus be it ever, when freemen shall stand Between their loved homes and the war’s desolation!

Blest with victory and peace, may the heaven-rescued land Praise the Power that hath made and preserved us a nation.

Then conquer we must, for our cause it is just, And this be our motto: “In God is our trust.”

And the star-spangled banner forever shall wave O’er the land of the free and the home of the brave!

I truly stand in honor of saluting the United States of America; for, “I pledge allegiance to the flag of the United States of America, and to the Republic for which it stands. One nation under God, indivisible, with liberty and justice for all.”

Signed, R. C. Young (Christian and veteran)

Page 5 • DollarSaver • July 2013

Dear God

July 2013 • DollarSaver • Page 6

How w to o protectt petss when n thee mercuryy rises Many people anxiously await the return of summer when they can wear shorts and short-sleeved shirts out in the sun. Although humans are able to keep comfortable in the heat by dressing accordingly, pets are not so lucky.

Pets can have a difficult time when the temperature soars.

Certain animals, such as reptiles or tropical birds, are acclimated to hot temperatures.

But other pets, including dogs, cats and even some small animals, can easily overheat and dehydrate. When the weather warrants cranking up the air conditioning, pet owners should pay special attention to pets to ensure they are comfortable and not suffering from summer heat. * Schedule a check-up

with the veterinarian.

Prior to the dog days of summer, make an appointment with the veterinarian for a well visit to ensure any preventive care measures are taken. This is the time to refill flea and tick medications and also to have the animal checked for heartworm. Insects that transmit diseases are more prevalent in the warm weather, and more time spent outdoors can put pets at greater risk of insect bites or infestations. * Get to know your pet.

Pets display different behaviors and signals when they are feeling unwell. Heavy panting may be an indication that a dog is hot or not feeling well, while other dogs may pant for no apparent reason.

Recognizing baseline behavior for your pet can make identifying a

problem easier.

that

much

* Keep plenty of water available. Hot weather can cause a pet to use up its fluid stores much more quickly than when it is cooler outside. Before leaving the house, be sure that your pet's water bowls are topped off. Think about putting some ice cubes in the water to slowly melt and keep it cool, but make sure your pet won't attempt to chew the ice cubes, which can be hazardous. Water bottles in small animal cages should be topped off and regularly checked. * Know which pets are most at risk. Older, younger, overweight, and snub-nosed animals (think pugs, shih tzus, Persian cats, etc.) don't tolerate the heat as well as other animals. Use special cau-

tion when it is hot outside for these animals, and check on them frequently. * Don't shave fur too short. The idea that shaving a dog (or cat) close to the skin might help them keep cool is a popular notion.

While some longerhaired breeds may need a trim to keep cool, resist the urge to shave fur all the way off. This puts pets at risk for sunburn and skin irritation.

is cooler. Do not keep animals chained up outdoors or sitting in hot windows during peak hours of the day. * Supervise water play.

Some pets are natural swimmers, while others are not. Do not allow pets to go unsupervised around a pool or another source of water. They may be tempted to cool off, but they may not be able to stay afloat. * Be cautious of fireworks. Warm weather

and fireworks seem to be common companions. The ASPCAadvises that fireworks can result in severe burns or trauma to curious pets. Even unlit fireworks -- which are made from potentially toxic substances -- can be hazardous if they are licked or consumed.

Pet owners should use common sense regarding their pets and hot weather. Chances are if you are uncomfortable so is your pet.

* Keep exercise to a minimum. Humans often feel lazy when the temperature soars and so may their pets.

Overexertion during hot weather can lead to heat stroke, signs of which include panting, drooling, rapid pulse, and fever. Try to walk dogs early in the morning or late at night when the temperature

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Backyard soirees are a staple of summer for many families.

Whether hosting a family reunion, a gathering of friends or a mix of both, such gatherings can be a great time to reconnect with your loved ones in a relaxing and natural setting.

Hosting such gatherings might not require as much work as organizing a more formal get-together, but that

doesn't mean summer soirees don't require a little work in advance of the guests' arrival.

That's especially true if you plan to host the party outdoors in your yard, which will need a little TLC before guests arrive. The following are a few tips to get your yard ready before your next summer soiree. * Cut the grass and clear your walkways.

Cutting the grass before guests arrive might seem like common sense, but try to do so a couple of days before the party. This gives you an extra day or so to clear the walkways of grass clippings, and it saves you the trouble of cutting the grass on the day of the party when you're likely to have more pressing tasks to take care of.

* Decorate your yard.

Decorations are a staple of parties held indoors, so why not decorate your home's exterior when hosting a get-together in the backyard? Use freshly cut flowers from your own garden as centerpieces on your patio furniture, or purchase flowers of various colors from your local florist to add a dash or two of color to the festivities. * Clear the yard of toys. Before guests arrive, clear the yard of the kids' toys, putting them away so guests don't injure themselves by stepping on errant action figures or skateboards left hidden in the grass. * Trim trees and shrubs around walkways. While a backyard barbecue is less formal than a party

held indoors, you still want your home to be as accommodating as possible for your guests. Don't forget to trim trees and shrubs around the walkways so guests don't feel like they're on safari when coming to and from the backyard. * Make sure outdoor lighting is working properly. If you're about to host your first event of the summer, inspect your home's exterior lighting so everyone isn't left sitting in the dark. Check patio lighting and replace any bulbs and make sure the lights along your walkways are functioning at full capacity so guests can safely navigate their way around the party.

You may even want to string holiday lights around the patio to create a more laidback ambiance in which guests can relax without lights beating down on them. * Protect your guests from insects. Insects like mosquitoes can quickly turn a swinging soiree into a nuisance, so purchase some decorative citronella candles to repel mosquitoes. Tiki torches along walkways and around the patio furniture may also prove effective insect repellants. In addition, if there are any areas around your property where water has gathered, such as bird fountains or puddles from recent rains, do your best to get rid of that water. Water attracts many insects, which lay their eggs in the standing water.

The less standing water around your property, the less likely any uninvited insect guests are to appear.

Backyard gatherings are a staple of summer. But even if such soirees are less formal, hosts still must survey their property and address any issues before guests arrive.

Page 7 • DollarSaver • July 2013

How to prep your yard for summer parties

July 2013 • DollarSaver • Page 8

As the mercury rises, the parties and festivities that have come to signify summer excite revelers far and wide. Summer has become the season of pool parties, trips to the beach, barbecues, and, of course, fireworks.

Love it or hate it, warm weather seems to beckon neighbors out of hibernation and incites a desire to set things on fire. When cooking over an open flame doesn't satisfy that desire, many take to shooting off bottle rockers and whistlers.

But fireworks can still be dangerous, and not everyone is equipped or legally allowed to ignite fireworks. Therefore, to avoid potentially dangerous injuries, fines or arrests, it pays to follow these fireworks dos and don'ts.

DO find out if fireworks are legal in your area. If you have to

travel over state lines or into another country to purchase fireworks, there is a good chance you are not allowed to use fireworks in your community. There are many regulations regarding the sale, transport and use of fireworks, so be sure you're not breaking any laws before buying any fireworks.

DON'T buy fireworks from just anyone. You want to ensure you are purchasing them from a reputable retailer of legal fireworks.

DO check any safety guidelines and warnings on the wrapper of the fireworks before lighting them.

DON'T light fireworks near people, trees, homes, or any combustible materials.

DO keep a fire extinguisher or water hose nearby in the event of a fire. The National Fire

Prevention Association notes that the Fourth of July features more reported fires than any other day of the year.

DON'T forget that sparklers and firecrackers are no safer than other types of fireworks. The tip of a sparkler burns at a temperature of more than 1200 F, which is hot enough to cause third-degree burns and is hotter than the temperature it takes to melt glass.

DO leave fireworks to the professionals to avoid injury or fire.

DON'T light more than one firework at a time.

DO wait 15 to 20 minutes after lighting a firework to see if it has ignited. If not, dump the firework in a bucket of water and move on to a fresh firework.

DON'T let small children handle and light fireworks.

DO make every attempt not to store fireworks. If you purchase them, use them all up.

However, a cool, outof-the-way place may suffice for a day or so.

DON'T have any part of your body over the firework when lighting it. Try to use a lit stick or butane lighter to keep as far away as possible.

works.

quiet respite.

DON'T shoot fireworks off of uneven ground. To ensure stability, always light them on a hard, flat and level surface.

DO make sure spectators keep their distance. They should be 25 to 40 feet away from ground-based items and even further for aerial products.

DO use common sense at all times when in the presence of fireworks.

DON'T assume pets and children will enjoy the loud noises. Make accommodations for a

Fireworks can be beautiful to watch and often signify special moments and celebrations. Safety should always be on the minds of people spending time around fireworks

DO say no to alcoholic beverages when lighting fireworks.

Your perception and dexterity can be compromised by alcohol.

DON'T shoot fireworks off in windy conditions.

Otherwise, make sure the prevailing wind is blowing away from the audience.

DO wear eye protection when lighting fire-

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Gallupville Fire Department 3rd Annual Community Day Saturday, July 13, 2013 5k walk • Fire Arms Competition • Chicken BBQ • Bouncy House DJ • Food • Kids Games & Much More For More Information Visit www.townofwright.com / Fire Department

Page 9 • DollarSaver • July 2013

Dos and don'ts of fireworks

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July 2013 • DollarSaver • Page 10

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(MS) -- The weather is heating up and Americans are heading outdoors to soak up the fun. Warm weather enthusiasts should keep safety on the top of their minds when they're out camping, boating and barbecuing.

CSA Group, a leader in testing and

certification, wants to remind Americans to stay safe all summer with the following tips.

doors and at least 10 feet (3 meters) from tents, combustible materials and vehicles. Never light a stove or lantern inside a tent or vehicle.

Camping Stoves and Lanterns * Fuel-burning camping equipment, such as stoves, lanterns and outdoor cookers, should only be lit out-

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* Before use, carefully inspect parts for leaks, blockages or damage. * Keep loose, flammable clothing away from open flames. Carefully monitor children and pets around stoves and lanterns.

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TAKE 50% OFF LOWEST TICKET PRICE ON Women’s Clothing, Shoes, Handbags & Select Jewelry Additional markdowns throughout the store on Furniture, Vintage Home Accessories & Linens Lady Bug Products Sold Here

* When first opening your cabin, carefully inspect all appliances for damage from rodents or insects. * Always wear a personal flotation device. Never consume alcohol while operating any vehicle.

Outdoor Gas Barbeques * Before firing up your barbecue for the first time, carefully inspect burners and burner tubes for blockages due to dirt, grease, insects or rust buildup. Clean or replace any blocked parts or have a certified technician make repairs. * Propane cylinders must be inspected and re-qualified every 12 years in the United States. A date stamp on the cylinder indicates when it was last qualified. Don't use a rusty or damaged cylinder. If in doubt, have your tank replaced. * When purchasing or installing a gas barbecue, make sure that it carries the mark of an approved certification organization, such as CSA Group, indicating the barbecue has been tested to applicable national standards.

More safety tips available www.csasafetytips.com.

at

We Carry Restor-A-Finish Products Tues.-Sat. 10am to 5pm Thurs. 10am to 7pm

2007 Harley Davidson Sportster 1200 XL Custom

Custom Landscape Design and Installation

Excellent Condition!

9,000 Miles, Black, Vance & Hines Pipes, Vance Hines Fuel Package, Stage 1 EFI Kit.

518-378-3279

All of our plants will accent your garden

NSEY’ R E S GU

Family Owned and Operated Knowledgeable, friendly staff 123 Years Experience

Delivery & Installation Available

SCHOHARIE NURSERIES F.A. GUERNSEY & CO., INC.

Mulch

Full Service Nursery

Red • Black • Premium • Natural

Stop by to browse or pick up a catalog

Amish Sheds & Wrought Iron Garden Decor 149 Bridge Street • Schoharie Call 518-295-7400 • 518-857-4119 Monday-Friday 8-4:30pm, Saturday 8-4pm, Sunday 10-4pm

H.U.G.S.

Closed July 4th & 5th

For a downloadable catalog visit:

www.landscapedesignalbany.com www.schoharienurseries.com

Slate Flagstone

Cut or Natural

Bring In This Ad & Receive

10% OFF

Dollarsaver

Page 11 • DollarSaver • July 2013

Safety tips for summer fun

July 2013 • DollarSaver • Page 12

July 13 @ 2 th

pm

featuring:

Mickey Boslet is “ODY B. GOLDY”

J.B. & The Crew

Hits from 60’s 70’s 80’s Motown Comedy Country Refreshments Sponsored by: Bro t h e rhood Antiques Hot Dogs • Drinks • Roasted Nuts and More

Johnstown Nazarene Church • 3316 Hwy 29W, Johnstown For more info call 518-762-2982

Number / Classification 20 Air Compressors 25 Air Tools 35 Announcements 45 Antiques 55 Appraisal Services 75 ATV 80 Auctions 82 Auto Body 110 Bedding Plants 120 Bees-Beekeeping 130 Bird Control 155 Building Materials/ Supplies 157 Building Repair 160 Buildings For Sale 161 Bulk Foods / Spices 165 Business Opportunities 170 Butchering Supplies 173 Carpentry 175 Cars, Trucks, Trailers 180 Catalogs 182 Catering 190 Chain Saws 195 Cheesemaking Supplies 205 Christmas 210 Christmas Trees 214 Clocks & Repair 215 Collectibles 216 Clothing 235 Computers 253 Consignment 265 Construction Equipment For Rent 270 Construction Equipment For Sale 275 Construction Machinery Wanted 277 Construction Services 280 Construction Supplies 312 Crafts 325 Custom Butchering 330 Custom Services 360 Deer-Butchering & Hides 370 Dogs 410 Electrical 415 Employment Wanted 440 Farm Machinery For Sale 445 Farm Machinery Wanted 447 Farm Market Items 460 Fencing 470 Financial Services 480 Fish 483 Flooring 490 For Rent or Lease 500 For Sale 510 Fresh Produce, Nursery 525 Fruits & Berries 527 Furniture 530 Garden Supplies 535 Generators 537 Gifts 575 Greenhouse Supplies 585 Guns 587 Hair Styling 589 Hardware 600 Health Care/Products 605 Heating 610 Help Wanted 653 Hotel / Motel 683 Jewelers 700 Lawn & Garden 711 Lessons 760 Lumber & Wood Products 790 Maple Syrup Supplies 805 Miscellaneous 810 Mobile Homes 811 Monuments 812 Multi Media 813 Music 815 Motorcycles 817 Nails 820 Nurseries 910 Plants 950 Real Estate For Sale 955 Real Estate Wanted 960 RVs & Motor Homes 975 Rentals 980 Restaurant Supplies 1040 Services Offered 1075 Snowblowers 1080 Snowmobiles 1109 Thrift 1140 Trailers 1147 Trains 1148 Travel 1155 Tree Moving Services 1165 Trees 1170 Truck Parts & Equipment 1180 Trucks 1187 Vacuum 1190 Vegetable 1200 Veterinary 1205 Wanted

Announcements

Announcements

classified@leepub.com

Buildings For Sale

Buildings For Sale

Buildings For Sale

JULY ISSUE ADVERTISING DEADLINE Thursday, July 25th For as little as $6.00 - place a classified ad in

Dollar$aver

Call Peg at 1-800-836-2888 or email classified@leepub.com Announcements

Announcements

# # # # #

ADVERTISERS Get the best response from your advertisements by including the condition, age, price and best calling hours.

Also we always recommend insertion for at least 2 times for maximum benefits. Call Peg at 1-800-836-2888 or call 518-673-0111 CHECK YOUR AD - ADVERTISERS should check their ads on the first week of insertion. Lee Publications, Inc. shall not be liable for typographical, or errors in publication except to the extent of the cost of the first weeks insertion of the ad, and shall also not be liable for damages due to failure to publish an ad.

Adjustment for errors is limited to the cost of that portion of the ad wherein the error occurred.

Report any errors to 800-836-2888 or 518-673-0111

NEED BUSINESS CARDS? Full color glossy, heavy stock.

250 ($45.00); 500 ($60.00); 1,000 ($75.00). Call your sales representative or or Lee Publications 800-218-5586 and ask for Beth or 518-6730101 bsnyder@leepub.com YARD SIGNS: Full color with stakes, double sided. Stakes included. Starting at $15.00 each. Call your sales representative or Beth at Lee Publications 518-673-0101 or bsnyder@leepub.com. Please allow 7 to 10 business days when ordering.

Automotive

Automotive

Binder Auto and Truck Repair 163 Main Street Middleburgh, NY 12122 (518) 827-8080 Kriss Binder Proprietor

Automotive

Automotive

Warren’s Auto Body Foreign and Domestic Complete Collision Service Flatbed Service

(518) 355-1921 773 Western Turnpike • Duanesburg, NY 12056-3801

WANT TO PLACE A CLASSIFIED AD? CALL: 800-836-2888

Page 13 • DollarSaver • July 2013

DollarSaver

PO Box 121, 6113 State Hwy. 5 Palatine Bridge, NY 13428 800-836-2888 • Fax: 518-673-2381

July 2013 • DollarSaver • Page 14

DollarSaver Business Opportunities

HALF BILLION DOLLAR international company looking for sharp motivated people.

Call Tom at 518-762-3295 for details

Business Opportunities

Computers

CUFFE COMPUTERS offers affordable repairs and upgrades as well as custom built systems. 518-993-4833.

go to www.automatedwealth.biz

518-434-3407 24 Hr. Info Line 1-559-546-1046

Carpentry

• Kitchens

• Decks

• Bathrooms

• Masonry

• Additions

• Windows

• Flooring

• Hardscape

LICENSED INSURED

795-4168

Cars, Trucks, Trailers

L

K

1998 FORD EXPLORER Sport 4x4, 183k, $1,500/OBO. 518-231-1951

Electronics

Upgrade Your Computer

We Buy & Sell Almost Everything!!!

Business Opportunities

On a Nationwide 3G & 4G Network Harnessing the Power of Sprint & Verizon Towers & Earning a Huge Monthly Residual Income

classified@leepub.com

brandywinevideo@aol.com

Call 800-836-2888 to place your classified ad.

Discover How to Get FREE UNLIMITED CELL PHONE SERVICE

Carpentry

Electronics

PO Box 121, 6113 State Hwy. 5 Palatine Bridge, NY 13428 800-836-2888 • Fax: 518-673-2381

Low Cost Repair on Laptops Computers Game Units iPads iPhones

(518) 557-2888

ON WITH COUP

Plate Glass Storefronts Thermopane Glass Window Glass Mirrors

Fireplace Glass Plexiglass Auto Glass Screen Repair

5968 Rte. 10 Cobleskill, 5 Miles North on Route 10

518-234-4927

Hair Styling

LOCUST POSTS, POLES, Split Rails, 6x6’s, 4x4’s, other hardwood boards and planks, custom cut. Also lots, land cleared, woodlots wanted.

518-883-8284.

2662 Hamburg St. - Schenectady, NY 12303

Fencing

Fencing

Frank Cardella Master Barber

Cell Phone: (518) 894-4499 Business: (518) 557-2510 Frank_Cardella@yahoo.com

COMMERCIAL RESIDENTIAL

Custom Services TONY’s WINDOW CLEANING One time or regular service. Residential and commercial. Free estimates. 518-7058612

277

Main St., Schoharie, NY

J.. LACY Y SALON 518-295-8198

Men - Women - Children SPA UV V Freee SPRAY Y TANNING H.U.G.S.

Yourr Correctivee Hairr Colorr Specialist

SCHOHARIE PROMOTIONAL ASSOCIATION’S

Help Us Grow Schoharie TOWN AND VILLAGE

haircttr@gmail.com • www.jlacyunisex.com HOURS: Tues. 9-5; Wed. & Thurs. 9-7; Fri 9-5; Sat. 9-3 See us on:

Custom Butchering

Meat Processing Special!

Choose FARMER’S PLACE for your Meat Processing Needs and Get FREE SLAUGHTERING!

$70

Commercial • Residential

Thermopane Glass Replacement

Hair Styling

Fencing

MAGNETIC SIGNS For trucks and cars. Call your sales representative or Beth at Lee Publications 518-673-0101 or bsnyder@leepub.com

To Save Up

Glass

COBLESKILL GLASS “WE CAN FIX YOUR PANES”

Open n 7 Days s A Week • 250+Graphics (518) 370-1948 • fb:Sean-djtwofifty

FOR SALE: 1986 GMC Rollback, good condition, excellent tires, $4,500. Call Wayne 518-568-5459 or 518-4416178

Custom Butchering

Glass

FARMER’S PLACE

256 Co. Rte. 20, Downtown South Edmeston, NY 13411 607-847-8234 • www.joesfarmersplace.com

Horse Equipment

Furniture

Furniture

We Buy & Sell • Consignments Welcome

HIDDEN TREASURES

1901 State St., Schenectady, NY 12304

518-982-5081 Mon.-Sat. 12-6pm Antiques • Furniture • Collectables • Jewelry • Home Decor

www.storeuphiddentreasures.com

ROLLING saddle rack, heavy duty, never used, $45 Pd$5999; Red leather Laredo cowboy boots, ladies 6½ medium, never worn, $70 Pd$140. 518356-5758

(800) 836-2888 To Place Your Ad Here

Hotel / Motel

Hotel / Motel

Monuments

Phone: 518-294-0001 1-800-251-1962

555 PLOSS ROAD RICHMONDVILLE, NY 12149 Exit 20 off I-88 Left onto NY-10 N/ NY-7 E

Jewelers

Schenectady, NY 12304

518-346-0508

Cash For Gold 703 East Main Street Cobleskill, NY 12043 Tel: (518) 234-9180 • Fax: (518) 234-2439

Lumber & Wood Products BAILLIE LUMBER CO. buys all species of hardwood veneer logs, sawlogs and standing timber year round.

IMMEDIATE LOCAL PAYMENT AND TRUCKING AVAILABLE. Please call for an updated price and spec sheet today! Smyrna Sawmill 607-627-6547. Mark Mowrey 315-796-6644; Phil Day 315436-2766; Jonathan DeSantis 315-882-8174; Sean Karn 315-436-3588. Boonville Sawmill 315-942-5284. Dave Prezyna 315-436-5329; Paul Snider 315-827-4062 (home) or 315-436-0949 (cell); Tom King 315-436-0936; Lukas Myers 315-263-6909.

MONTGOMERY COUNTY: Town of Glen, 8½ acres, approved building site, $29,900. Financing. email to markcare1995@gmail.com for aerial photo, terms & directions. 518-725-6585

Services Offered EDEN GOURMET CATERING: All occasion off-premise catering.

518-320-6789 www.edengourmetcatering.vp web.com

Recreational Vehicles & Motor Homes

Recreational Vehicles & Motor Homes

Roofing

Roofing

Jewelers

Full Service Jeweler

WE HAVE! Timberwolf log splitters. Call for pricing + models available. North Creek Auto 315-866-3698

Real Estate For Sale

Present this DISCOUNT CARD at in-home consultation or at the office Professional Services

Logging Equipment

Monuments

Bottone Memorials, Inc.

28 Rooms Full Cable & New LED TV’s Free Wi-Fi Reasonable Rates Group Discounts

Reservations@redcarpetinnrny.com www.redcarpetinnrny.com

classified@leepub.com

Miscellaneous BANNERS BANNERS BANNERS any size. Call your sales representative or Beth at Lee Publications 518-6730101 or bsnyder@leepub.com Please allow 7-10 working days to receive your banner after ordering.

BUSINESS CARD MAGNETS only $75.00 for 250. Free Shipping. Call Beth at Lee Publications 518-673-0101 or bsnyder@leepub.com Please allow 7-10 business days for delivery

Motorcycles

# # # # #

1986 HD 883 SPORTSTER, 33k miles, $2,500/OBO. 518231-1951 FOR SALE: 2000 LS Suzuki Savage, 11,000 miles, leather saddle bags, color green, excellent condition. 518-5737468, 518-573-2969. Or trade for 4 wheeler or snowmobile.

A Picture is Worth a Thousand Words

Professional Services

Mart Cleaners 104 Union St., Cobleskill, NY 12043 (New Building)

Everything Done on Premises with 3 Day Processing

518-234-8175 Real Estate For Sale

Real Estate For Sale Sharon Springs, NY Looking for a newer home with privacy? This one has it all. Wrap around porch, views, privacy. 3rd floor has master suite w/bath, 2BR, LR, DNA, Kit on 2nd floor, finished den/family room in basement, incl. 1 car garage. 5+ acres of rolling meadows. . . .$169,000

Sharon Springs, NY Completely renovated 2BR, 1BA home short distance from town. All new appliances, new bath, floors, electric, carpet, windows, garage door, and more. 2+ acres w/barn . . . .$155,000

Sharon Springs, NY If your horses & a view are important, look no further. This place has it all. Plenty of windows, 2 LR’s, Dining Area, galley kitchen w/appliances.

Includes 30+ acres of pasture and woods, horse barn and fenced pasture. A must see. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$225,000

Country living at its best!

Large three story home comes with 3BR, 2BA, LR, DR w/sliding door to deck, Eat-in kitchen, Den, several large walk-in closets w/lights. Family/game room and one car garage.

Many other features including 2.6+ acres. . . . . . . . . .$117,000 It’s easy & economical to add a picture to your ad!

For Information Call

1-800-836-2888

Mary Ann Larkin, Broker 7078 State Route 10 Sharon Springs, NY 518-284-3200 0 • faxx 518-284-2682 13459 www.larkinrealty.com • malarkin@nycap.rr.com

Leaky Roof!

Chimney & Masonry Work!

Call John Relyea 518-258-6324 Free Estimates Services Offered

Services Offered

CLEANING OUT your home or office? Come bring your unwanted items to us! No hazardous materials or liquids permitted. Weaver Street Transfer Station in Schenectady, NY. 518-374-1124.

Open: Monday - Friday 6am 4pm. Find us on the web: www.alliedwastealbany.com.

HOME HELPER AVAILABLE, Albany, Schenectady, Troy.

Experienced (refs), reliable, affordable for disabled or Senior. Non medical. Cleaning, cooking, errands, shopping. 518-229-7257

DOUBLE D MOWING SERVICE Now Accepting Residential Customers - Free Estimates

518-330-7905 www.doubledmowingservice.com

Page 15 • DollarSaver • July 2013

DollarSaver

PO Box 121, 6113 State Hwy. 5 Palatine Bridge, NY 13428 800-836-2888 • Fax: 518-673-2381

Services Offered

800-836-2888

WEDDING INVITATIONS printed and designed by Lee Publications: 100 (4.5x6) Invitations including envelopes with 100 RSVP postcards.

Only $150.00 +tax. We can also do smaller and larger amounts. Call for pricing and designs 518-673-0101, or bsnyder@leepub.com Also Save the Dates • Shower Invitations • Baby Announcements and more.

800-836-2888 To Place Your Classified Ad

classified@leepub.com

MOST MAJOR BRANDS www.abcvacsewny.com

# TIRE SPECS # Tire Ply - 20 Steel Belted Rim Size - 8.25x22.5 Height - 42.6 inches Section Width - 13.5” Tread Depth 26/32 Recommended Speed: 35 MPH

Fort Plain, NY (518) 993-2235 www.hilltoptire.net

OPEN 7 DAYS A WEEK

Tires also available in Fuquay - Varina, NC

9am-5pm

5 cent deposit containers - ANY BRAND 5 cent deposit on Water Bottles Tires & Tire Repair Service

HUBCAP HEAVEN

Tires • Wheels • Hubcaps • Open 7 Days Tires Changed • Flats Repaired NEW & USED TIRES NOW IN STOCK - 13”, 14”, 15”, 16”, 17”, 18”, 19” & 20”

WHEELS - WHEELS - WHEELS

Virginia Regional Distributor: LISKEY TRUCK SALES, L.C. Harrisonburg, VA • 540-434-0495 *Radial 240 R4™ Trademarked by Hill Top Tire. Distributed by Hill Top Tire

Trailers

Wanted

ATV TRAILERS by Bosski Industries first automatic “Dump Assist” trailers GVWR 800lbs.+ 1600lbs. models available.

Come check them out at North Creek Auto 315-866-3698

WANTED: Private Collector buys plastic model kits, train stuff. Fair prices paid. Don 616-915-0045.

1203 State Street, Schenectady, NY 12304 518-377-8834

B Summer Special B

10% Off Sales & Service MUST PRESENT COUPON

Ask About Our Central Vac Systems

4 Easy Ways to Place A DollarSaver Classified Ad 1. PHONE IT IJustN give Peggy a

call at 1-800-836-2888

2.FAXForIT INyou MasterCard,Visa,American

Express or Discover customers.. Fil out the form attached completely and fax to Peggy at (518) 673-2381

NEW • USED • RECONDITIONED STEEL & ALUM. WHEELS • CALL 518-827-8007

BILL’S AUTO SALVAGE

• DMV #2601356

RT. 145 • 4 MILES SOUTH OF MIDDLEBURGH

3.

2013 518 673.3066 PO Box 45, Canajoharie, NY 13317-0045 518 224.5000

Stitching together rock n’ roll, swing, surf, honky-tonk, and bebop, Izzy and the band are a profoundly exciting and challenging group. Often compared to rockabilly greats of the past, Izzy and his boys are carrying the tradition into the 21st century with flair and frenzy.

The musicians in Perm A Grin have come together with the perfect combination of talent to produce the funky new rock and roll sound that you can’t help but love. They specialize in classic rock such as The Dead, Santana, Steve Miller and much, much more. They will always bring a fresh new sound to everything they play, new and old.

Aztec Two-Step Rex Fowler and Neal Shulman have entered their fifth decade of presenting intelligent songwriting, dazzling guitar and inspiring harmonies. Their first four albums, full of sweet singing and timely lyrics, were staples of progressive FM and college radio. Their latest work adds touches of blues and country to their distinctive sound.

This show will feature a Simon and Garfunkel tribute.

The Ameros A rock, reggae, hip-hop and funk powerhouse that combines thought-provoking lyrics, incendiary guitar, party vibes and solid harmonies into a musical revolution.

JULY 23

Special Friday Show Perm A Grin

RAIN LOCATION ARKELL AUDITORIUM at the Canajoharie High School

AUGUST 13

Izzy & The Catastrophics

FREE CONCERTS JULY 16

Reid is truly a giant of the steel strings.

He is considered one of the true treasures of American acoustic music. He is an incredible solo guitarist, and the best part is, he’s really fun.

JULY 12

Harvey Reid

AUGUST 6

JULY 9

LOCATION On the Lawn of NBT Bank, Corner of Mohawk & Church St. Bring lawn chairs and blankets

Vacuum

All Brand Cleaners & Sewing Center

Services Offered

Tires & Tire Repair Service

Vacuum

Tires & Tire Repair Service

Just Ask For Peggy or send her an e-mail at:

1480 St. Rt. 7 Warnerville Old Metal Kegs $10.00 NO FUSS CASH FOR CANS

classified@leepub.com

Tires & Tire Repair Service

ALL AMERICAN REDEMPTION CENTER

JULY 30

July 2013 • DollarSaver • Page 16

Services Offered

800-836-2888

DollarSaver

PO Box 121, 6113 State Hwy. 5 Palatine Bridge, NY 13428 800-836-2888 • Fax: 518-673-2381

The Maybelles This all female band is a beautiful blend of old timey, folk, an alternative country that ties together perfectly.

Sugar Ray & The Blue Tones Sugar Ray’s voice combines the road house grit of Muddy Waters with a lonesome desperation all his own. He has the ability to convey pain as few bluesmen of his generation can.

This program is funded in part by FULTON-MONTGOMERY ARTS GRANT,

part of the Decentralization Program, a regrant program of NEW YORK STATE COUNCIL OF THE ARTS, administered by Saratoga Arts.

MAIL IT IN Fil out the attached form, calculate the cost,enclose your check or credit card information and mail to: DollarSaver Classifieds PO Box 121, Palatine Bridge,NY 13428

$6.00

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$7.35

$7.50

$7.65

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$7.95

$8.10

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$8.55

$8.70

$8.85

Name:(Print)______________________________________________________ E-MAIL IT IN Address:_________________________________________________________ E-mail your ad to classified@leepub.com City:_____________________________________St.:_______Zip:___________ Phone:_____________________________Fax:__________________________ FOR BEST RESULTS, RUN Cell:_________________________E-mail:______________________________ I have enclosed a Check/Money Order YOUR AD FOR TWO ISSUES! Please charge my credit card: Cost for each Issue: American Express Discover Visa MasterCard $6.00 for the first 14 words, 15¢ each additional word. Acct#:__________________________________________Exp.Date:_________ (Phone #’s count as one word) Signature:________________________________________Date:____________ # of issues to run______ Total Cost $________

4.

(MM/YY)

Required w/Credit Card Payment Only

The Kitchen Diva

by Angela Shelf Medearis Red, White and Blueberries!

Americans celebrate July 4th, also known as Independence Day, often without knowing the fascinating history about how this celebration came into being.

“Taxation without representation!” That was the battle cry of the 13 colonies in America that were forced to pay taxes to England’s King George III with no representation in Parliament. As dissatisfaction grew, British troops were sent in to quell any signs of rebellion, and repeated attempts by the colonists to resolve the crisis without war proved fruitless.

On June 11, 1776, the colonies’ Second Continental Congress, meeting in Philadelphia, formed a committee to draft a document that would formally sever ties with Great Britain. The committee included Thomas Jefferson, Benjamin Franklin, John Adams, Roger Sherman and Robert R. Livingston. Jefferson, who was considered the strongest and most eloquent writer, crafted the document. (Nevertheless, a total of 86 changes were made to his draft.) The Continental Congress officially adopted the final version on July 4.

The following day, copies of the Declaration of Independence were distributed, and on July 6, “The Pennsylvania Evening Post” became the first newspaper to print the extraordinary document. The Declaration of Independence has since become our nation’s most cherished symbol of liberty. On July 8, 1776, the first public readings of the Declaration

were held in Philadelphia’s Independence Square to the ringing of bells and band music. One year later, on July 4, 1777, Philadelphia marked Independence Day by adjourning Congress and celebrating with bonfires, bells and fireworks.

The custom eventually spread to other cities and towns, where the day was marked with processions, oratory, picnics, contests, games, military displays and fireworks. Observations throughout the nation became even more common at the end of the War of 1812 with Great Britain.

Congress established Independence Day as a holiday in 1870, and in 1938 Congress reaffirmed it as a holiday, but with full pay for federal employees.

Today, communities across the nation mark this major midsummer holiday with parades, firework displays, picnics and the playing of the “The StarSpangled Banner” and marches by John Philip Sousa.

Invite this delicious Red, White and Blueberry Cheesecake to your Independence Day holiday as we celebrate the wonderful history of this great country!

(Additional information courtesy of PBS Online.)

Red, white and blueberry cheesecake 2 cups halved, pitted, sour or sweet cherries, fresh or frozen (thawed, drained; see Note below) 2 cups blueberries, fresh or frozen 3/4 cups granulated sugar or sugar substitute, divided 1/4 cup water, plus 4 teaspoons 2 tablespoons cornstarch 1 teaspoon fresh lemon juice 1/2 box (14-ounce) graham crackers 1/2 cup chopped walnuts, toasted 1/3 cup canola oil or melted butter

2 packages (8 ounces each) reduced-fat cream cheese (Neufchetel), softened 2 cups nonfat vanilla Greek yogurt 6 tablespoons confectioners’ sugar 1 teaspoon vanilla extract 1. Set aside 6 or 8 cherries and 6 or 8 blueberries for garnish. Combine remaining cherries and blueberries, 1/2 cup sugar or sugar substitute, 1/4 cup water and the lemon juice in a large saucepan and bring to a boil. Combine cornstarch with 4 teaspoons water, then stir into the berry mixture; return to a boil. Reduce heat to medium and cook, stirring constantly, until the liquid thickens and looks syrupy, about 1 minute. Remove from heat.

2. Process graham crackers in a food processor until finely ground. Add walnuts and pulse until finely chopped. Transfer to bowl; stir in remaining 1/4 cup sugar or sugar substitute. Drizzle with oil or butter and stir to combine. Press into bottom of a 9by 13-inch baking dish. Place cherries and blueberries that were set aside for garnish on top of the graham cracker crust.

3. Beat cream cheese, yogurt, confectioners’ sugar and vanilla in a medium bowl with an electric mixer until smooth, scraping down the sides as necessary.

Spread over the berries and crust. Spoon the cooked berry mixture over top. Cover and refrigerate until cold, about 3 hours.

NOTES: To pit fresh cherries: A hand-held cherry pitter is the right tool for the job, and it also works for olives! Or pry out the pit with the tip of a knife or vegetable peeler.

To toast walnuts: Cook in a small, dry skillet over medium-low heat, stirring constantly, until fragrant and lightly browned, 2 to 4 minutes. (c) 2013 King Features Synd., Inc., and Angela Shelf Medearis

This week’s Sudoku solution

Page 17 • DollarSaver • July 2013

Home,, Family,, Friendss & You

July 2013 • DollarSaver • Page 18

Home,, Family,, Friendss & You Choose local fresh berries

by Diane Mincher, Extension Nutrition and Food Specialist, University of Vermont July is National Berries Month, a time to enjoy everything from strawberries and blackberries to blueberries, raspberries and other berries.

Berries are a healthy food choice as they are bursting with vitamins and minerals. Many, including blueberries, are classified as among the top 11 foods for antioxidant activity.

Antioxidants may help increase our immune function and protect against cancer and heart disease.

Most kids don’t need any extra incentive to gobble them up as berries are so colorful and tasty. However, there are many fun things that you can do to turn an ordinary snack into

something extra-special. Check out these tips for ways to include more berries in your snacks and meals: • Add berries to foods you already eat. Try adding sliced strawberries to a bowl of whole-grain cereal, stir raspberries into vanilla yogurt or sprinkle blueberries on a green salad.

• For a snack, make fruit kabobs that incorporate berries with other fruits such as pineapple chunks, bananas and grapes. You also could grill the kabobs and serve with dinner.

• If you like ice cream, try cutting your portion size in half and add different berries to make your cool treat higher in fiber, vitamins and minerals.

• Freeze some berries and use to make a smoothie. Blend together berries, yogurt and 100 percent juice

or take this mixture and make fruit popsicles.

• Make dried fruit using a dehydrator or your oven set at a low temperature. Keep handy for a quick snack.

• Spread reduced-fat cream cheese on a whole-wheat mini-bagel and decorate with berries.

• Spread cream cheese on a puffed popcorn cake or bagel. Decorate with blueberries for eyes and mouth and a strawberry for the nose for a special snack for your kids.

• Frozen treats are bound to be popular in the warm months. Just wash the berries and place in the freezer to eat frozen later.

• Serve berries with a yogurt and cinnamon dip or a peanut butter, maple syrup and vanilla yogurt dip.

Here are two recipes to get your family on the road to eating more berries this summer.

Berry scones Serves 12 Scones are a favorite way to use fresh, seasonal berries. They are quick to make and use very little sugar.

2 cups all-purpose flour 1 3/4 cups whole wheat flour 1/4 cup packed brown sugar 4 tsps. baking powder 1/4 tsp. baking soda 1/3 cup cold butter or margarine, cubed 1 3/4 cups buttermilk 1 1/2 cups fresh blueberries or berries of your choice 1 Tbsp. sugar In a large bowl, combine the flours, brown sugar, baking powder and baking soda. Cut in butter or margarine

Photo source Agricultural Research Service

until mixture resembles coarse crumbs. Stir in buttermilk just until moistened. Stir in blueberries. Turn onto a floured surface; gently knead 10 times. Transfer dough to a baking sheet coated with cooking spray. Pat into a 9-in. circle. Cut into 12 wedges, but do not separate. Sprinkle with sugar. Bake at 375°F for 30-35 minutes or until golden brown. Serve warm.

Yogurt berry parfait Serves 1 1/2 cup non-fat vanilla yogurt 1/2 cup berries 1 Tbsp. crunchy cereal In a cup, alternate several layers of yogurt and berries. Top with crunchy cereal. Serve.

Comfort foods made fast and healthy

by Healthy Exchanges Summer Peach Salad Nothing says summer quite like a juicy fresh peach! Stir that peach into a delectable creamy salad, and you’re speaking heavenly wonders. Serve this to family or friends and just wait to hear the compliments for the cook!

3 cups (3 medium-sized) peeled and chopped fresh peaches 1 tablespoon diet lemon-lime soda 1 (4-serving) package sugar-free lemon gelatin 1 cup boiling water 1 cup reduced-calorie whipped topping 1 cup seedless green grapes, halved 1. Place 1 cup of sliced peaches and soda in a blender container. Cover and process on CHOP for 30 seconds or until smooth. In a large bowl, combine dry gelatin and boiling water. Mix well to dissolve gelatin. Stir in blended peaches. Refrigerate for at least 15 minutes.

2. Fold in whipped topping. Add remaining 2 cups chopped peaches and grape halves. Mix gently just to

combine. Pour mixture into an 8-by-8inch dish. Refrigerate until firm, about 3 hours. Cut into 8 servings.

• Each serving equals: 61 calories, 1g fat, 1g protein, 12g carb., 3mg sodium, 1g fiber; Diabetic Exchanges: 1 Fruit. (c) 2013 King Features Synd., Inc.

121 years combined experience

119 Maple Avenue, Altamont, NY 12009

518-861-5723 JULY SPECIALS

50 Hour Massage For New Clients $ 50 European Facial $ 10 Off a Royal Pedicure $5 Off a Manicure with Elise

$

BOOTH RENTAL AVAILABLE Kristine Skinner Hairstylist, Massage Therapist and Nail Technician

Tammy Lounsbury Hairstylist

Elise Herzog Nail Technician

Melissa Whipple Massage Therapist

Re-Nu Spa is looking for a stylist that enjoys what they do. We have a fun, friendly and professional working atmosphere. If you have more than one talent we are a full service salon and can accommodate you.

Make your own hours and be your own boss! We are a salon that cares about growing our talents through education and also giving back to our community.

If this sounds like a good match for you, come join us!

Call Rhonda at 861-5723 ext. #3

Dawn Munroe Hairstylist

Lisa Bassler Hairstylist

Rhonda Flansburg Hairstylist

Stacy Tanner Esthetician & Waxing

www.AltamontRenueSpa.com www.facebook.com/renuespa

Page 19 • DollarSaver • July 2013

Re-Nue Spa

July 2013 • DollarSaver • Page 20

Best Bar-B-Q In The Capital District!

ESTHERVILLE RUN

CALL FOR TAKEOUT: 518-356-0650

SATURDAY, JULY 13, 2013

www.wagontrainbbq.net

WE CATER ANY EVENT!

HOME OF THE

START AT NOON from THE SAWMILL 501 South Avenue, Schenectady (518) 382-8590 Registration 10:00-11:45 GOOD MUSIC - PIG ROAST $15 per person/$25 per couple

GRAVEYARD BURGER

Route: 1. Wally’s World, 2. Mill Rock, 3. Rolling Stone

Call To

Book Your Party • Office Party • Church Event • Customized Parties

671 Mariaville Rd., Schenectady, NY 12306 (Behind DelGallo Country Pools)

HOURS: Sun.-Thurs.: 11am-8pm; Fri. & Sat.: 11am-9pm CLOSED TUESDAYS NOW DELIVERING ON FRI. & SAT. 4-9PM

Estherville is a NO KILL SHELTER A Haven for All Animals in Need. We don’t kill them; we don’t pimp them “WE RESPECT THEM”

BARN RESTORATIONS Fondarooorave.livejournal.com

FONDAROOORAVE

interstaterocks

Location: Fonda, New York off NYS Thruway

www.interstaterocks.wordpress.com

Barns - Camps - Houses - Garages

STRUCTURAL and FOUNDATION REPAIRS STRAIGHTENING and LEVELING

(518) 893-6049 Insured With 50 Years of Experience

Come To The Battle of The Bands, & Battle of The DJ’s/EDM’s on August 17-18, The Fonda Fair Grounds FREE SCHOLARSHIP REGISTRATION/FREE CONTESTS Welcome to the interstate Rocks 4 our Church, The Progressive Church! We R having a 2 day “Battle of the Bands” and “Battle of the DJ’s/EDM’s on August 17th and 18th, 2013 @ the Fonda Speedway and Fair Grounds! There will be 40 acts with both rock and roll bands, and great DJ’s and EDM entertainers! The first prize will be a professional recording session and the second prize will be a beautiful painting! There will be all ages allowed and many vendors to buy goods from! There will be food, light beer/soda, and many other specialty food vendors, clothes vendors, radio stations, and interviews 4 our new “Youtube Church Station”! There will be free drawings 4 prizes and our Hostesses will be helping everyone! Rock, Dance Music, and a full concert music platform. What a day, and what a two day event! The admission fee is only $2000 per day, and $3700 for both days, all day!

Welcome all! A list of groups will appear in the local newspapers soon!

Everyone bring their friends, and have a good time! There will be an independent Film Director here both days, to interview both girls and guys 4 a new picture that will be shot in 2014! It is a free interview and U might get a chance to be in a feature film! We will be filming during the festival 4 our new “Youtube” Station!

Save this ad to enter the free College Scholarship Drawing

SERVICES

JACKING CRIBBING CABLING CONCRETE PIERS & SLABS STEEL BEAMS

EXCAVATION DEMOLITION TREE REMOVAL DRAINAGE METAL ROOFING

ED’S CELL: (518) 796-3294 • DAWN’S CELL: (518) 796-0430 EMAIL: BARNRESTORATIONS@HOTMAIL.COM

Albany’s Most Unique Gift Shoppe & Florist Garden & Porch Decor Twig & Berry Wreaths Potted Plants Burlap Accessories Country & Primitive Home Decor Treasures Old & New Country Cut Bouquets Creative Reception Arrangements Custom Bridal & Bridesmaid Bouquets We can work within your budget!!

Visit Us For Your Wedding Needs Be sure and check out our website. WE DELIVER!

2080 Western Ave., Rte. 20 518-452-0920 Hamilton Square (The 20 Mall) Guilderland (2 mi. west of Crossgates Mall)

www.atouchofcountryflorist.com “We really are worth the trip!”

Now up to

Select Items

PURPLE ROSE CONSIGNMENT

Quality for Less!

N EW & U SED W OMEN ’ S C LOTHING

AND

A CCESSORIES

Check Out Our Selection of P R O M G O W N S

BUY $25 . . . . . SAVE $5 BUY $50 . . . . . SAVE $10 MUST BRING THIS AD FOR DISCOUNT

2557 Hamburg Street, Schenectady Hours: Tues.-Fri. 10-5; Sat. 11-5

518-982-0237

TROY ATRIUM BINGO

Sunday,, Julyy 7thh att 1 PM Jamberee Benefit Dance at

THE STOCKYARD in Charleston 4 Corners

“BINGO GREEN”

$3000 IN PRIZES + (2) 50/50’s + 75/25 Tuesday thru Saturday 7pm Doors open at 4pm Sunday Afternoon 2pm - Sunday Evening 7pm Doors open at 10am

Parking • Elevators • Smoking Room • Food

Call For More Details

“ALL BANDS WELCOME”

518-272-3260

Fun for the whole family and friends!

This benefit is for “JOE NOLAN JR.”!

Fund Raiser to help with on going Medical Bills, due to an accident that caused a “Broken Neck”.

Pipsqueak & More Clothing & Accessories Maternity, Jewelry & Gifts Jeggings, Scarves & Party Dresses

Now Under New Ownership www.PipsqueakBoutique.net

Raffles, Bake Sale, Door Prizes!!!

Call for Questions and or Concerns/Directions Kathy Nolan (518) 231-7000

Diaper Cakes Cloth Diapers Baby Shower Items Greeting Cards

Monday-Saturday 10-6 Sunday 12-5 Two Stores One Location!

4212 State Route 20, Esperance

For The Adults...

Clothing & Shoes Knick-knacks Odds & Ends & Much Much More

www.GriffsThrifts.com

For The Kids...

Clothing & Shoes Toys Strollers, High Chairs, Swings, Etc. Infant & Toddler Play Groups

Page 1 - Section B • DollarSaver • July 2013

CLEARANCE SALE!

July 2013 • DollarSaver •

Section B - Page 2

Schoharie Business Portfolio Swallow Hill Flower Farm Specializing in Daylilies

All Your Equine Needs and Animal Care

Hours 10:00 am to 4:00 pm Daily May - September Route 10 - PO Box 59 Summit, New York 12175

Upcoming Petting Zoo

Nancie and Bryan Bidwell (518) 231-8645

2149 Carlisle Road, Sprakers, NY 12166 countrygal1996@yahoo.com Kathy Nolan ~ Owner/Operator • 518-231-7000

Harmony Acres & Partyland

Fundraising Raffle to Benefit:

108 Union St., Cobleskill, NY 12043-0635

Let Elvis tell you what time it is!

518-234-3711

Raffle Tickets: $2 each • $5 for 3 $10 for 10 Tickets Stop in at your local Schoharie Businesses for tickets.

Drawing will be held during Elvis: Viva Schoharie, July 5th Check our website: www.schohariepromo.org Click on the HUGS tab (Need not be present to win)

Area’s Best Selection of Art, Craft, Cake, Candy, Party and Office Supplies • Fresh, Silk Flowers • Cake Tops • Balloons • Pinatas • Scrapbooking and Needlecrafts

HUNTING FOR TIRES? Why Don’t You Shoot Over to Our Place?

No appt. necessary

BECKER’S

TIRE SERVICE, LLC 59898 St. Hwy. • PO Box 33 Grand Gorge, NY 12434-0033 Open: Mon.-Fri. 8-5; Sat. 8-Noon

607-588-7501 1-800-548-4737

Air, Land, Tax, Fuel Surcharges: $

2,263

per person sharing

Dublin, Belfast, Donegal, Knock, Galway, Connemara, Shannon Ron Connors • 518-231-9533 Call for Free Flyers & Info

Village Hardware (518) 702-4024 303 Main Street, Schoharie Valspar Paint Now In-stock

SPA

H.U.G.S.

SCHOHARIE PROMOTIONAL ASSOCIATION’S

Help Us Grow Schoharie TOWN AND VILLAGE

If We Don’t Have It We Can Order It For You.

Come See Us for all Your Summer Needs

Page 3 - Section B • DollarSaver • July 2013

T he e Tire e Shop A Multi Line Dealer

• NEW & USED TIRES • TIRE REPAIR • AUTO ACCESSORIES • ON THE FARM TIRE SERVICE • CUSTOM WHEELS • OIL CHANGES 155 Erie Blvd., Canajoharie, NY OPEN: Mon. - Sat. 8-5 www.thetireshop.biz

518-673-5399

Best Quality • Best Service • Best Price Amish h Countryy Commons Located in the Heart of Montgomery County Amish Country

• Amish Made Crafts • Primitives • Jewelry • Scarves • Handbags Vendor • Baskets • Whoopie Pies Space Available and Much More amishcountrycommons.com

61433 Statee Hwy.. 5,, Palatinee Bridge,, NY • 518-993-3311 HOURS:: Thurs.. & Fri.. 11-5, Sat.. 11-4

DISCOUNT

PROPANE, FUEL OIL AND TRASH REMOVAL

6,000 MEMBERS STRONG. 3,000,000 GALLONS OF BUYING POWER.

NO GIMMICKS, NO DOUBLE TALK, NO INSTALLATION FEE, NO TANK RENTAL FEE, NO JUNK FEES, FREE PRESSURE TEST, FREE TANK SET, STABLE PRICING. WE HAVE TANKS (Free Lease or Purchase)

(518) 882-5445 www.GalwayCo-op.com

“Your local source for quality repair and custom fabrication”

Nana’s Market 165 4th St., Troy, NY 12180

July 2013 • DollarSaver •

Section B - Page 4

Get Your African, Latino and Caribbean Products We Also Carry a Selection of Mexican Food

Specializing in Metal Fabrication General Repair Custom Suspension Oil Changes Motor Swaps Brakes Restoration Exhausts Powder Coating And More

*Easy Parking*

518-833-0515

www.capitalregioncustoms.com

518-355-2579 230 Western Turnpike Altamont, NY 12009 Info@capitalregioncustoms.com

Albany, Schenectady, Troy Business Portfolio Katie’s Antiques

TLC Pet Grooming

3000+ square feet of classics!

The Pet Professionals • 30 Years Experience

Happiness is: A Professionally Groomed Pet by TLC

Heidi Helo 1716 State St. Schenectady, NY

427 3rd Street, Troy, NY 12180

518-326-5732

P/U and Delivery Available in Troy area / Free for seniors

The Wedgeway

heididelmar@aol.com

SINCE 1912

518-461-1657

BARBER SHOP

Celebrating g 100 0 s same e location years

We Offer: Hot Shaves

Corner of STATE ST. Edge-Ups & ERIE BLVD. Variety of Hair SCHENECTADY, NY 12305 Cuts Phone 518-377-1515

Tues. thru Fri. - 8:00 am - 5:30 pm • Sat. 8:00 am - 1:00 pm

Smoke More

n Ope ys a D 7

All Your Tobacco Needs

Ope 7D n ays

Ultra Hookah Lounge Two Locations

Premium Quality Imprinted Sportswear Adirondack

Adirondack SCREEN GRAPHICS

Screen Graphics

CUSTOM SCREEN PRINTING & EMBROIDERY • T-Shirts • Sweatshirts • Jackets • Team Numbering • Caps • Golf Shirts • Fund Raising Programs • Promotional Novelties

2 Maple Ave, Scotia, NY (518) 377-3800 • Cell: (518) 527-0667

1740 Union St., Schenectady, NY 12309

894 State Rt. 9 Queensbury, NY 12804

518-370-1313

518-792-1913

Hours: Mon-Sat 10-9; Sun 12-7

Hours: Mon-Sat 10-9; Sun 11-6

Kids, Womens, Mens Clothes, Purses, Shoes, Baby Equipment

1604 Union St. Schenectady, NY 12309 (518) 280-9898

Marie DeBrocky Owner & Pet Lover headtotailny@nycap.rr.com

37 Mohawk Ave., Scotia, NY 12302 518-376-3155

www.UpstateCorals.com 518-630-6304 127 Jay St., Schenectady, NY 12305

Albany, Schenectady, Troy Business Portfolio Mom’s On A Mission

VisibleExpression.com

House Cleaning Serving All The Capital District Weekly • Biweekly • Monthly Rates Insured ~ References

1703 Union St. Schenectady, NY 12309

Most Houses $80.00 or Less

518-376-3155

Free Estimates Expert Installation 25+ Years Experience

Carpe ting

T.C. Flooring, Inc. Commercial & Residential Installation P.O. Box 685 48 West Main Street Fonda, NY 12068

Tracy P. Craig (518) 853-3666 Fax: (518) 853-3667

Rusty’s ON 2 AVE. ND ND

Order Online at Grubhub and Mealeo

12-Cut 18” Cheese Pizza $

2311 2nd Ave., Watervliet Open Midnight or Later!

Hours: Mon-Sat: Open at 11AM; Sun: Open at 12PM

plus tax

PICK UP ONLY

274-0017 • 233-1114

274-RUSTY (7878)

799

24-Cut Cheese Pizza, 30 Wings & 2 Liter Soda

3599

$

plus tax

Coupons may not be combined

Page 5 - Section B • DollarSaver • July 2013

Constylement Consignment

Section B - Page 6 July 2013 • DollarSaver •

Oakwood Veterinary Clinic “Exceptional patient care at a reasonable price.”

Now Offering Physical and Laser Therapy Vaccine and wellness visits

Full Service Veterinary Care

Help your pet achieve their optimal health!

Diagnostic testing Emergencies

Andy’s Auto & Alignment 139 Main Street Middleburgh, NY 12122 (518) 827-5900

Call or visit our website for more information about our rehabilitation program or other offerings:

Surgery Exotics And much more...

(518) 874-1718 205 Oakwood Ave • Troy, NY 12182 www.oakwoodvetclinic.com

Monday - Friday 8am-5pm Saturday 8am-1pm

Always Accepting New Patients

INGROUND AND ABOVE GROUND POOLS

Adirondack Grill Doctor “ Wee Comee to You” Now is a good time to get your grill serviced.

Specializing g In Replacement Parts • Cleanings Inspections • Service • Accessories WEBER R & DUCANE E DEALER

LINERS/PUMPS/FILTERS WEEKLY SERVICE AND MUCH MORE

(518) 895-5368 (518) 598-4514 548 THOUSAND ACRES RD DELANSON, NY 12053

PROUD MEMBER OF THE “BBB”

HILLTOWN POOL SERVICE “YOU JUST SWIM AND WE’LL DO THE REST”

Call us at 518-725-7307 www.adirondackgrilldoctor.com

Call A+Plus Trees ‘R Us today at 518-894-TREE (8733) or 518-231-1615 www.aplustreesrus.com • info@aplustreesrus.com

Mark Ingleston

Foreign and Domestic Collision and Repair 71 Voorheesville Ave., Voorheesville, NY 12186

518-765-3768

A+Plus Trees ‘R Us Tree Removal includes: • Safe and orderly removal of any size tree • Residential and commercial service • Complete cleanup and debris removal • Pro tools, chippers, climbers, stump grinder for stump removal, dump and bucket trucks • Ask about our customer referral discount & our senior citizen discount for tree removal

WE WILL GO OUT ON A LIMB FOR YOU!!!

CREDIT CARDS ACCEPTED

FREE ESTIMATE

FULLY INSURED

Complete Automotive Repair 24 Hour Towing Available

630 Hoosick Road, Troy, NY

FREE Lube, Oil & AC System 24 Hr. Towing to Shop Filter Service

17

$

95

(most cars & trucks)

FREE

Vehicle Inspections

69

$

95

Page 7 - Section B • DollarSaver • July 2013

Grandma Millie’s Bakery ~ Family Owned & Operated Since 1999 ~

One Sweet Name ~ Two Great Locations Bakery & Café

Retail Bakery

Fulton County Airport Johnstown, NY 12095 518-762-7788

301 Bridge Street Northville, NY 12134 518-774-0711

Email: grandmamilliesbakery@gmail.com

www.grandmamillies.com

Fulton-Montgomery Business Portfolio TJ’s Pizzeria

An establishment where Good Food and Good Friends Meet

HOMEMADE BREAD PH 518-853-4499 21 Main St., Fultonville, NY 12072

Pizza, Slices, Subs, Salads and more

Howard and Sons Roofing & Remodeling • We Aim To Please You •

518-451-0460

howardandsons1@yahoo.com

• • • • •

Roofing Flooring Framing Decking Windows, Doors

• • • • •

Siding Sheetrock Kitchens Baths & Much More Fully Insured

“A” Rated on Angie’s List

Free Estimates Matthew Howard Sr. - Owner & Operator Matthew Potter - Co-Owner

The Taste People Travel For!

We Make It You Grill It

A

ita l Ca p

R e g i o n Tr a d i t i o n S i n c e 1 9 04

GAROFALO’S

16 N. Center St. Schenectady 374-1478

July 4TH Specials Sausage Quest Special is Still on the Move!

See Store For Details

Our Famous Italian Sausage

garofalosausage.com EBT

Monday - Friday 8 - 5:30 pm Saturday 8 - 3:30 pm

Section B - Page 8 July 2013 • DollarSaver •

Storage Sheds COME IN AND LET US PAMPER YOU ON YOU’RE SPECIAL DAY!!

Facebook or www.ldvsalon.net

Wedding Up Dos, Manicure & Pedicures

LA DOLCE VITA Full Service Salon

513 West Main St., Suite 1 Cobleskill, NY 12043 518-823-4058 Open Monday - Saturday

Facials, Up-Dos, Mani/Pedi, Spray Tan, Nails, Waxing

Garden Sheds & Garages Standard, Economy or Custom Built

Available in Duratemp & Vinyl

Lancaster County style sheds built in East Central New York. Buy direct from the builder and save money.

Financing available. Rent to own.

Delivery & Set-Up Available Serving The Entire East Coast • 518-673-1073

Michael Marsello Owner

A Unique Salon Experience

Blow Out Special $25 & up FRIDAY & SATURDAY ONLY

OTHER SERVICES AVAILABLE:

BY

Waxing • Make Up • Manicure • Pedicure • Updos

Make Up Specialist ~ “Jessica”

#7069194

Automatic & Standard - Foreign & Domestic

SUMMER SPECIAL

Transmission Service

• 5 Quarts Fluid • Filter • Gasket

110 Mohawk Ave. Alplaus, NY 12008

125

$

SEAN CLARK, PROPRIETOR 518-466-6123

A-1 Antiques

ct ondu s C e W e Sale t Esta

258-1999

We Proudly Offer BRAND NEW Corsicana Beds

We Clean Out Attics & Basements Mark Scott, Owner

(518) 377-7853

Wishing Everyone a th Happy 4th of July

00

(most vehicles)

852 State Street ~ Schenectady • (518)

1716 Union Street, Schenectady, NY 12309

APPT.

We Offer: Mattress Sets Starting at $125

Professional Estate Sale Services • a1antiques4u@yahoo.com Buying Single Items or Entire Estates We Buy & Sell Used Household Furniture, Antiques, Gold & Silver, Coins & Collectibles Hours: Mon. - Sat. 10 AM - 6 PM

Magical Printing & Designs YOUR ONE STOP SHOP

FOR ALL YOUR PRINTING & SHIPPING NEEDS AND MUCH MORE...

281 Main St. Schoharie, NY Across from Schoharie County Building Ph: (518) 872-3188 WWW.MAGICAL-PRINTING.COM COPIES • FAX • OFFICE SUPPLIES • UPS • FEDEX

We Now Offer: • Spinners In/Outdoor • Helmets - DOT Half Shell • Nascar Novelties • Canvas Photo Prints Mountain “Body Style” T-Shirts

Celebrating 10 Years of Service

~ Vendors ~ Olde Corner Store C-Com Data

Supplement to the Original Valley Pennysaver and the DollarSaver

Produced by Lee Publications • 6113 St. Hwy. 5 • Palatine Bridge, NY 13428 • 518-673-3237 • 800-218-5586 • www.leepub.com Virginia M. Mackey • Certified GRI - CRS Residential Licensed Real Estate Broker Appraiser 725-3348 • 40 Years Experience • Fulton County & Capital District MLS

Eugene D. Reppenhagen 725-3348 Markie King 774-2717 Karen R. Bischoffberger 727-6484 Salvina Michel 773-3298

773-3298 FAX: (518) 725-8615 (518)

www.vmackey.ihouse2000.com vmackeyrealestate@albany.twcbc.com

226 E Fulton St., Gloversville, NY 12078

Fulton County NY Properties Located in the Foothills of the Adirondack Mountains

MLS 2013156

ORIGINAL COLONIAL (Gloversville): 5.4 acres with a view, just outside of town. 4 bedrooms, 2.5 baths, sun porch, deck, 2-car garage, barn and more. Must see! . . . . . . . . . . . . . . . . . . .$289,000

MLS 2013371

GREAT COTTAGE ON 10 ACRES (Stratford): Near Stewart Landing dam for water access to lakes. 2 or 3 bedrooms, 1 full bath. Full basement, new windows, 2-car garage. . . . . . . . . . . . . . . . . .$100,000

MLS 2013080

ONE-FLOOR LIVING (Gloversville): 2 bedrooms, 1 full bath, family room w/woodstove. Another bedroom, 3/4 bath and den in basement. Patio, fenced yard. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$80,000

MLS 222508

HISTORIC ORIGINAL COLONIAL (Gloversville): Just outside of town on 3.9 acres. 4 bedrooms, 2 full baths, new kitchen overlooking yard. Deck, large barn. . . . . . . . . . . . . . . . .REDUCED TO $210,000

MLS 222835

LAKE FRONT ON EAST CAROGA LAKE - Enjoy the view from the large picture window in this 2 bedroom cottage. Living room & eat-in kitchen. Partial bath. New deck. Storage building. . . . . . . . . . . . . . . . . . .$215,000

MLS 222115

UNIQUE BEAUTY (Gloversville): Avenue home on lovely double lot. 4 bedrooms, 2.5 baths, newly renovated kitchen. Hardwood floors, natural woodwork.

2-car garage. . . . . . . . . . . . . . . . . . . . . . .$145,000

COUNTRY LIVING IN THE CITY (Gloversville): 4 bedrooms, 1.5 baths, lots of living area. Deep lot with apple trees, berries, flowers. Deck, 2-car garage, workshop. . . . . . . . . . . . . . . . . . . .$98,000

MLS 2013012

STARTER HOME (Gloversville): Cute 2 bedroom bungalow w/1 full bath. Large rear deck overlooking deep yard, detached 1-car garage. Very economical to heat! . . . . . . . . . . . . . . . . . . . . . . . . .$76,000

JOCKEYVILLE MOBILE HOME PARK - Lovely two bedroom 14' x 70' mobile home with large enclosed porch. Open living room and kitchen. 1 bath. 1990 Pineview . . . . . . . . . . . . . . . . . . . . . . . . . . .$25,000

MONROE ST. - This 4 bedroom, 1 bath home is ready to make your own. LR, DR, Den and kitchen.

Lovely landscaped back yard, enclosed front porch.

Garage. . . . . . . . . . . . . . .ASKING ONLY $59,900

MORE GLOVERSVILLE MULTI-FAMILY DWELLINGS

MLS 222083

GRAND OLD COLONIAL (Gloversville): 4 bedrooms, 1.5 baths, hardwood floors and natural woodwork, 2 corner fireplaces. Detached 2-car garage. . . . . . . . . . . . . . . . . .REDUCED TO $79,900

MLS 222774

MOVE-IN CONDITION (Gloversville): Large fenced backyard, vinyl siding, replacement windows, freshly painted interior. 3 bedrooms, 1.5 baths, newer kitchen.. . . . . . . . . . . . . . . . . .$71,000

MLS 2013064

INVESTMENT PROPERTY (Gloversville): Older home on narrow lot w/shared drive. Large rooms, 3 bedrooms, 1.5 baths. Currently rented for $800/month plus utilities. . . . . . . . . . . . . . . .$39,900

MLS 2013347

MLS 220684

2-family, close to schools, "as is" . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$49,900 2-family, separate utilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$65,000 Large 2-family, 9 bedrooms, 2.5 baths . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$69,900 2-family w/many updates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$69,000 2-family "short sale" . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $69,000 2-family, Johnstown, separate utilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$65,000 4-family, Gloversville, separate utilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$70,000 3-family, Gloversville, separate utilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$59,900 2-family, Gloversville, separate utilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$29,900 3-bedroom, 2.5-bath Colonial w/separate 2-family in rear (MLS 220357) . . . . . . . . .$90,000

MLS 2013127

WANT A SWIMMING POOL? (Gloversville): Wellmaintained home on quiet street. Beautifully landscaped, fenced backyard, pool and patio. 3 or 4 bedrooms, 1.5 baths. . . . . . . . . . . . . . . . . . . . .$109,000

MLS 2013222

MLS 215985

LAKE FRONT EAST STONER LAKE - This cottage not only has 150' on the lake but 7.3 acres. Small 2 BR cottage with open living space. Shallow lake frontage.

Wooded private site. . . . . . . . . . . . . . . . . . . .$175,000

NICE FAMILY HOME (Gloversville): Well-maintained home in a quiet neighborhood. 3 bedrooms, 1 full bath, newer appliances in kitchen, family room. 2-car garage. . . . . . . . . . . . . . . . . .$79,500

MLS 2013155

COMFORTABLE FAMILY HOME (Gloversville): Many updates. 3 bedrooms, 1.5 baths. Small fenced backyard, 1-car garage. Close to downtown & elementary school. . . . . . . . . . . .REDUCED TO $26,900

MLS 2013175

MLS 2013337

BEAUTIFUL RANCH (Gloversville): Great room w/center fireplace, large windows overlooking deck and pool. 3 bedrooms, 2 full baths. End of road, near woods. . . . . . . . . . . . . . . . . . . . . . . .$190,000

RENOVATED TWO-FAMILY (Gloversville): Many extras, updates. 2 bedrooms, 2 full baths down; 2 bedrooms, 1 full bath up. Circular drive, 4-car garage w/workshop. . . . . . . . . . . . . . . . . .$145,000

MLS 2013339

VERY LARGE TWO-FAMILY (Gloversville): Down has gas fireplace in living room, 2 bedrooms, 2 full baths, office. Up has 5 bedrooms, 1 full bath. 3-car garage. . . . . . . . . . . . . . . . . . . . . . . . . . . .$108,000

COMMERCIAL PROPERTIES

LAND

OFFICE RENTALS (Downtown Gloversville): 2 first-floor offices w/lots of parking, heat and air conditioning included . . . . . . . . . . Call for details

Gloversville: City building lot . . . .$5,000 2 adjacent city lots . . . .$19,900

BEAUTY PARLOR W/1-BEDROOM APT (Gloversville): Completely renovated building w/many unique features. 1-car garage plus off-street parking (MLS 222039). . . . . . . . . . . . . . . . . . . . . .MAKE OFFERS $99,900

Town of Mayfield: 2.14 acres . . .$15,000 2.7 acres . . . . . . . . . . . .$27,000 3.7 acres . . . . . . . . . . . .$35,000

Page 1 • REAL ESTATE GUIDE • June 29, 2013

R E A L E S TAT E G U I D E

June 29, 2013 • REAL ESTATE GUIDE • Page 2

Who is responsible for repairs during a home sale?

Many questions arise during the home-buying process. Buyers looking at homes that require a good deal of TLC may wonder who is responsible for the home’s repairs, particularly if such repairs are needed to secure a certificate of occupancy.

Depending on the situation, there is no clear-cut answer.

There is no perfect home, and things that are acceptable to the current owner may not be acceptable to the buyer who is looking to become the next owner. The home-buying process is typically a careful cooperation between buyer and seller to find a middle ground. The buyer may have to make some concessions, as will the seller. Ultimately, it is this cooperation that often determines if the sale goes through or is terminated.

Before any negotiations can begin regarding repairs, it is adviseable for a buyer to have an independent inspector come out and look over the home and property. Most real estate agents will suggest this be done as a first priority — even before a contract is entered on the home. An inspection will unveil any potential problems in a home and indicate things that the buyer may not be aware of, including items that do not meet with code or could be unsafe. An inspector also may point out problems that could cause a mortgage lender to give pause.

This may mean the lender will deem problems unsafe and refuse to fund the mortgage until repairs are made.

MOHAWK Towne & Country Realty SUZANNE LEAVITT Licensed Real Estate Broker 5696 St. Hwy. 5, Palatine Bridge, NY 13428

518-673-5482

Fax 518-673-5816 Cell 518-332-5887

website: www.mohawk-valley.com

Home buyers may be able to negotiate that sellers repair major structural issues, such as a leaky roof. If not, negotiate a lower sale price.

A copy of this inspection report should be sent to the home seller to review with his or her attorney and real estate agent.

The buyer working with his own real estate attorney and agent can petition for certain repairs to be made. Many sellers will make such repairs to ensure the purchase goes through, or they will accept a lower purchase price to compensate for the needed repairs, which the buyer will then make. Buyers might want to hire a good real estate attorney to write clauses into the contract to protect their interests. This allows the buyer to forfeit the sale and walk away from the contract should an issue arise.

Buyers should know that, for a home that is not in foreclosure, there are some repairs that should ultimately be the responsibility of the seller. If these repairs are not made, a buyer should think strongly about walking away from the deal, according to Why6Percent.com, a real estate marketing site.

Such repairs include: • lender-required repairs that could impact home safety • leaky pipes • water penetration issues, including a bad roof

Local Guide to the Adirondacks

Energy Expertise Experience 518-725-ADKS (2357)

www.ADKSrealty.com MaryEllen Charles, NYS Licensed RE Broker/Owner 101 Washington Square, Caroga Lake, NY 12032

The rules often change when buying a home that is a short sale or in foreclosure. A home that is in distress is typically in this situation because the current owners cannot afford to pay their mortgage, and thusly, are not able to afford repairs. According to Think Glink, a money-management Web site, buyers may try to negotiate repairs with the seller, but they shouldn’t assume that sellers (or lenders in the event of a bank-owned home) are responsible for the repairs. Generally speaking, most short sales and foreclosures are sold “as is” and may even specify that repairs and requirements for the certificate of occupancy are the buyer’s responsibility. A buyer also can ask to have the home price reduced to cover the repairs. But foreclosures are often already deeply discounted.

• unsafe decking or handrails • wet basements or crawl spaces • insecure foundations or obvious structural damage • poorly functioning sewer lines or septic system It is always adviseable for buyers to speak with a reliable real estate attorney and a trusted real estate agent to guide them through the process of buying a home. These people can help buyers navigate the important decisions that can affect the home they’ll be living in for the next several years.

Page 3 • REAL ESTATE GUIDE • June 29, 2013

June 29, 2013 • REAL ESTATE GUIDE • Page 4

Closing costs and points explained One of the great mysteries of home buying, at least to those who have never been through the process, is closing costs.

While nearly everyone has heard of them, few who haven’t had to pay them really understand them. Even some people who have paid them aren’t sure what they spent all that money on.

Closing costs are the various fees that a homebuyer must pay before the mortgage lender will finalize the mortgage. Generally speaking, these costs are about 3 to 6 percent of the amount borrowed. That is in addition to your down payment. Following are some of the components of your total closing costs. The

lender will charge an application fee to cover the costs of completing your mortgage application. This may or may not include the fee for your credit report. They will also charge a loan origination fee, also known as points. This covers the administrative costs of processing your mortgage. One point is equal to 1 percent of the total amount loaned.

Many lenders offer the option to purchase without points, but keep in mind that this will result in a higher interest rate. There are also lenders who will let you pay additional points to lower the interest on your loan.

Title insurance will be required by your lender. This protects you and the mortgage company in case the seller does not have the legal right to sell it. There could be unknown co-owners of the property, or it could have an unpaid lien against it that would prevent the seller from legally selling it.

Taxes associated with the transfer are usually the buyer’s responsibility, unless other arrangements are agreed upon. You may also have to pay for a survey of the property. You will likely be required to pay the interest accrued between the time your mortgage was originated and the due date of your first payment. Attorney and notary fees may also be a part of your closing costs.

Closing costs are comprised of all of the expenses that must be paid before the purchase of your new home is finalized. Points are a fee charged by your lender that may be somewhat flexible and directly affect your interest rate. Knowing what these terms mean and what fees they consist of can help you be more prepared for them when the time comes.

Source: Sir William Johnson Realty

An appraisal is also required by lenders. This is to ensure that the home is worth the amount loaned to you to purchase it. A home inspection is not usually required, but it’s a good idea to have one. The cost of the inspection could also be considered part of closing costs.

Homeowners insurance is a standard requirement of mortgage lenders. They will require proof of it and may require you to pay the first year’s premium before closing. Private mortgage insurance may also be required depending on the amount of your down payment, and part of the fee will be included in your closing costs.

Junell Gray ~ Licensed Real Estate Salesperson “ Because Your” Keller Williams Realty Capital District Move Matters 935 New Loudon Road, Latham, NY 12110 CELL/TEXT (518) 588-5141 • Office (518) 724-5864 www.JunellGray.com • www.UpstateNYRuralHomes.com I am a lifetime resident of Montgomery County and serve clients in Montgomery, Fulton, Saratoga, Schenectady, Albany & Schoharie Counties. I have 15 years experience in real estate. If you are looking to buy a home or sell a home please contact me to discuss your wants and needs. I would love the opportunity to assist you. I am also a member of the Greater Capital District MLS & Fulton County Board MLS.

LISTED AT $119,500, FT. HUNTER, NY

NEW TO THE MARKET!

NEW TO THE MARKET!

$37,000.00 in Town of Ephratah

1 ACRE LOT, Town of Ephratah $20,000.00

FONDA-FULTONVILLE SCHOOL DISTRICT

Looking for a place to build a home or to just call your own? Enjoy this private 1 acre lot with an existing 24 x 48 outbuilding with electric, driveway & septic system. Close to Johnstown, St. Johnsville or Fonda. Owner will consider holding a private note and mortgage for a sale. Call (518) 588-5141.

This house is in move-in condition and priced to sell. Attractive, well maintained, cozy 3 bedroom, 1.5 bath home, located on a quiet side street, landscaped yard, deck, above-ground pool, paved driveway and more. You could be celebrating July 4th with your family and friends here, Call Today!

Nice quiet country setting, 1 acre lot with a Champion mobile home in good condition & a 24 x 24 garage. Garage includes a built in vehicle lift, furnace & cement floor. Home includes furnishing if desired, washer, refrigerator & stainless steel stove. Option to buy the adjoining 1 acre lot. WE HAVE FINANCING FOR QUALIFIED BUYERS.

JUST LISTED IN FONDA!

A LOT OF HOUSE FOR THE $$$

SELLER IS TAKING OFFERS!

SELLER SAYS TO MAKE AN OFFER TODAY!

PRICED AT $45,000.00 254 Kingsboro Avenue, Gloversville, NY Sellers have moved and need to sell this NOW! This is a 3 bedroom, 1 bath home home located across from a Veterans Park in Gloversville. Low taxes, freshly painted inside, original hard wood floors & just needs a buyer to make it a home now.

181 Lakeside Drive, Mayfield, NY Private Dock on Sacandaga Lake Enjoy this well maintained, charming 1,536

MORE ROOM HERE THIS HOME IS A STEAL sq. ft. Lake Front Home immediately with a spacious 34 x 24 garage, shed, screened THAN MEETS THE EYE FOR THE PRICE

porch, large lot, private dock and mooring ball. Don't wait until summer is over, call today and enjoy your summer here!

New Modern Kitchen, Bath & Master BR Come see this updated, elegant 4 BR 1 1/2 BA home today. Fonda-Fultonville School District. $105,000.00. 180 Chapman Drive, New Kitchen, stainless steel appliances, granite Town of Amsterdam counter tops, ceramic tile floor, crown mold3311 ST HWY 30, Mayfield ing throughout, new furnace and so much Cozy 3BR Bungalow on a corner lot with more. Close to NYS thruway, Route 5 & 5S for fenced yard for kids or pets. 1st floor laundry, 3BR stylish cape with custom crown molding new deck, family room and/or kids play room. & a large back yard. an easy commute.

$99,000.00. 10 Ann St., Fultonville Sellers must relocate. Very large, spacious 3BR, 2 full bath home located on the hill in Fultonville so you have the view of the valley & it is Move In Condition.

Page 5 • REAL ESTATE GUIDE • June 29, 2013

June 29, 2013 • REAL ESTATE GUIDE • Page 6

Home Economics Own Your Future Owning a home is the American Dream.

It’s a great way to create wealth and pass it on to your family… to build a nest egg for college or retirement... and to protect against life’s setbacks.

non-profit and business groups. Many are free and on the Internet. If you do not have Internet access, visit your local public library or HUD-sponsored Neighborhood Networks.

It starts with being smart about money.

plans. It will show that you are serious and smart about money.

• FHA — HUD’s Federal Housing Administration insures the mortgage (or loan) your bank may offer you to buy a house. FHA off ers families a safe, fair, and aff ordable alternative to more expensive, complex, and risky loans, 800-CALL-FHA (225-5342). www.fha.gov

The U.S. Department of Housing and Urban Development (HUD) wants all Americans to manage their money and have the option of preparing for homeownership.

• HOPE NOW — Industry-led alliance to help homeowners in distress, 888-995-HOPE (4673), www.hopenow.com

The Key Steps: Organize — Set a goal to save a certain amount of money each month — then stick to it.

• NeighborWorks America Provides foreclosure workshops and counseling to mortgage borrowers, and financial education to those considering buying a home, www.nw.org

Watch Spending and Savings — Prioritize your family’s spending needs so that saving becomes second-nature.

Negotiate — Communicate early and often with companies or banks you owe money to so you can work out problems before they grow larger.

Elevate Your Credit Score — Know your credit score and what it means to banks and credit card companies and your future.

Read (and Understand) the Fine Print — Consider all the options, educate yourself, and be informed before you sign on the dotted line.

Resources are available from the federal government and

Ed Pierpont

NY Lic. #16000022349 NACHI #05122792 104 Reed Street Canajoharie, NY 13317

Gott U Covered • HOME E INSPECTIONS S•

(518) 332-6294 Fax (518) 673-3667 epierpont@ny.nachi.org

GotUCoveredHomeInspections.com

VMM

Virginia M. Mackey, LLC Real Estate 226 E. Fulton St., Gloversville, NY 12078

Marguerite King “Markie” Licensed Real Estate Salesperson (518) 773-3298 • FAX (518) 725-8615 • Cell (518) 774-2717 www.vmackey.ihouse2000.com email: markie@citlink.net sewbusymarkie@yahoo.com

Organize Set money goals, and develop a plan to reach them. Decide what’s important to spend, then save the rest for a rainy day — or a downpayment on a home.

• Buying a Home — Learn the nine key steps to buying a home, www.hud.gov/buying • HUD’s Housing Counselors — They help you manage money, learn about credit, and navigate the homebuying process. To find a HUD-approved housing counselor in your area, call 800-569-4287 or visit our website at www.hud.gov/counseling • Neighborhood Networks — Provide education and job training information. 888-312-2743, www.NeighborhoodNetworks.org • Home Affordability — An online “calculator” helps you learn what it takes to buy a home. Sponsored by the Government National Mortgage Association (“Ginnie Mae”), www.hud.gov/calculator • Federal Reserve Education — Free tools and materials to better understand money and economics, www.federalreserveeducation.org Watch spending and savings Putting a little money aside every month takes hard work and difficult choices. But the rewards are great. Learn about the power of compound interest. Teach your children that a few hundred dollars invested now can turn into thousands of dollars over time.

• MyMoney.gov — The basics of financial education, 888-MyMoney (696-6639), www.mymoney.gov • “Banking on Our Future” — Teaches students aged 9-18 about money matters, www.bankingonourfuture.org (password needed) • National Council on Economic Education — Sponsors “Financial Fitness for Life” (for students) and “EconomicsExchange” (for adults), www.ncee.net • “360° of Financial Literacy” — Money education and weekly savings tips, www.360financialliteracy.org • Native Financial Education Coalition — Promotes financial education in Native American communities, www.nfec.info.

Negotiate Many consumers, including homeowners, feel trapped by debt.

But there may be other options. Contact the people you owe.

They may be willing to work with you to develop new payment

• National Foundation for Debt Management — Its “Right Track” program is designed to help consumers regain control of their money, www.nfdm.org Elevate your credit score The importance of good credit is a fact of life. Banks and credit card companies decide whether to lend you money and what interest rates you will pay based on your credit score. Be prepared to examine past choices and, if necessary, to change your money habits. Decisions you make today will impact your future options.

• Annual Credit Report — Check the accuracy of your credit report annually for free: www.annualcreditreport.com. To obtain your credit score for a fee, contact the three major credit reporting agencies: Equifax (800-685-1111) TransUnion (800-916-8800) Experian (888-397-3742) • ABCs of Homebuying — HUD’s series of Internet videos guides you through the credit and homebuying process, www.hud.gov/webcasts/archives/homeforall.cfm • Resident Opportunities and Self-Sufficiency (ROSS) Homeownership and credit counseling for families in public housing or receiving Housing Choice Voucher (Section 8) assistance. Contact your local public housing agency: www.hud.gov/offices/pih/pha/contacts/index.cfm • Home Loan Learning Center — Information on credit scores and reports, cost comparisons, and steps to take to qualify for a loan, www.homeloanlearningcenter.com Read (and understand) the fine print Consumers have more ways than ever to buy a home. Know your rights. Homebuyers should understand their mortgage contract and be on the look-out for scam artists and predatory lenders. A HUD-approved housing counselor (800-569-4287) can help.

• Borrowers’ Rights — HUD offers a complete list, www.hud.gov/borrowersrights • Predatory Lending — HUD has suggested a variety of ways to protect yourself from predatory lending, www.hud.gov/loanfraud. For resources in your area: www.hud.gov/becareful • Fair Housing — Housing discrimination based on your race, color, national origin, religion, sex, family status, or disability is illegal. If you have been trying to buy or rent a home or apartment and you believe your rights have been violated, you can file a fair housing complaint. Go to: www.hud.gov/complaints

518-673-2820 www.krutz-properties.com

RESIDENTIAL - COMMERCIAL FARMS - INVESTMENTS - ACREAGE

156: CANAJOHARIE: NEW LISTING 103 year old farmhouse located on 40 acres. There is an old barn, a small outbuilding and an old Hop House that stores mowers and small equipment. Would make a nice horse farm. Great view from top of hill . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Asking $139,900

994: T/O STARK: charming 1850's home located in the hamlet of Starkville. Wood floors & original woodwork bring this home to life. Spacious DR & LR. 4 bedrooms. Porches, 4 stall garage & patio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Asking $89,900

134: CHERRY VALLEY: Lovely 2-story, 3 bdrm, 2 1/2 bath home. Eat-in kit, formal dining room, living room & garage.

Beautiful hardwood floors throughout home. Located minutes from Cooperstown . . . . . . . . . . . . . . . . . . . . . . .Asking $189,900

SALE PENDING 208: DOLGEVILLE: Very nice location and walking distance to 201: ST. JOHNSVILLE: Constructed in the 1950's but years ahead Main Street. Exquisite private backyard with a flowing stream. of its time. Limestone wall fireplace in the LR & DR. Basement has Many updates to the home include new carpet, tile floor in a family room w/ fireplace, 4 bdrms & 2 baths. Garage under house. bathroom, new windows, electrical entrance and central air . . . .

Plus possible building lots . . . . . . . . . . . . . . . . .Asking $129,500 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Asking $84,900

502A: SPRAKERS: A country home with a great floor plan.

Kitchen with island, dining area and living room. Large family room with fireplace. Laundry room and 1/2 bath on 1st floor. 2nd floor 3 bedrooms and 2 full baths including master bath . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Asking $119,000

SALE PENDING

597: Colonial home w/ private setting and view of the Cherry Valley Mountains. Circular drive leads to this custom built home.

4-5 bedrooms, 3 1/2 baths, sunken FR w/ granite fireplace, gorgeous sunroom overlooking mature landscaping & in-ground pool. T/O Palatine 5 acres . . . . . . . . . . . . . . . . .Asking $219,000

953: V/O Canajoharie is this lovely home w/ unique features throughout. Beautiful DR & LR w/ wood floors. Fireplace w/ gas insert. Eat-in kitchen, 4 bedrooms & 2 full baths. 2 bedrooms on first floor. Garage, porch & yard . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Asking $89,900

880: NELLISTON: Ranch style home on a double lot w/ views.

3 bedrooms, modern kitchen, 3 season room, finished family room in basement & large deck. 2 stall attached garage, central air & hardwood floors . . . . . . . . . . . . . . . . . . . . . . . .Asking $114,000

592: CAROGA - Custom built house on about 4 acres. LR w/ fireplace, dining area, loft and gas stoves. Beautiful location. Not far drive to Canada Lake . . . . . . . . . . . . . . .Asking $89,000

978: ORISKANY: COLEMAN MILLS RD Oneida County is the location of this 162 acre parcel. 4 Bedroom home, large kitchen and living room. 2 garages. Outbuilding. Pole Barn with 16 x 24 heated shop. Christmas trees, woods and open fields make up the 162 acres. Part of property is along Sutliff Road and is zoned commercial . . . . . . . . . . . . . . . . . . . . . . .Asking $675,000

153: Johnstown Schools: 2-story, 4 bedroom home sits on 1.4 acres in Ephratah. Home is charming and well maintained. Features country kitchen, sliding glass door, ceramic tile, & wood floors. Johnstown School . . . .Asking $135,000

753: Fort Plain. Come take a tour of this historic Victorian home; you will feel as if you have stepped into the past. Fireplaces, grand entry, stained glass, original woodwork & more. 4 bedrooms, den, formal dining room & living room . . . . . . . . . . . . . . . . . . . . . . . . . .Asking $139,900

Page 7 • REAL ESTATE GUIDE • June 29, 2013

59 W. Main St., Canajoharie

June 29, 2013 • REAL ESTATE GUIDE • Page 8

Exceptional Townhouse Living! * NEW LISTING *

9.50 Acres Town of Glen * NEW LISTING *

In this beautiful 3BR, 3 bath townhouse overlooking the 4th hole at Rolling Hills Country Club. No expense has been spared in updating the 2,800 square feet of living area. Inside it has a newer kitchen with granite countertops and glazed maple cabinets, formal dining room, large living with a gas fireplace, master bedroom with bathroom, finished basement family room and exercise room, walk out basement, and to many upgrades too list! . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Offered at $209,000

If you have been looking for a country location that is close to work and shopping this is it! 9.50 acres of tranquility with a great view looking north and west just off NY 5S. Land has 205.20 feet of road frontage and it is open fields with some woods, Fonda Fultonville Central schools and owner invites offers on . . . . . . . . . . . . . . . . . . . . . . . . . . . . $52,500

Broadalbin Perth School Region * NEW LISTING *

Absolutely Fabulous * NEW LISTING *

With this turn key ready cape on a 1.10 acre lot in the country.

It has a white on white kitchen, one bath, dining room, living room, family room addition with knotty pine walls and fireplace, open back porch, low taxes and a price of only $84,500!

It won’t last long!!

West Caroga Lake Camp * NEW LISTING * Watch the sunset on Sheeley mountain and view the lake from this 4 bedroom, 1 bath with 46’ of lake frontage on West Caroga. Inside it has a very large living room with fireplace, dining room, large kitchen, 1 car garage, and owners want offers on . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$225,000

102 Knowlton Avenue, Fonda

Need we say more about this near new 3+ bedroom, 2 bath contemporary ranch situated on an executive cul-de-sac. Of course there is a custom oak kitchen with dining area, an elegant formal dining area with pillars, 26’x35’ great room with amazing built ins and overlooks the professionally landscaped rock gardens and coy pond in the back yard. What makes it special is the feeling of elegance tempered with simplicity.

Offered to those who appreciate the very best at . . .$345,000

Hickory Hill Region Cape * NEW LISTING *

316 Mohawk Drive, Tribes Hill, New York

829-7250 See all our listings at: judithannrealty.com Town of Glen Ranch * NEW LISTING *

Hold Your Horses! * NEW LISTING *

Country living in this 3 bedroom, 2 bath ranch on a 6.10 acre parcel. Home has an oak kitchen with dining area, three spacious bedrooms, a large living room, attached 2 car garage, 16’x30’ pole barn, and it is in the Fonda Fultonville School district. It will sell quickly so call us for a showing! Only $99,000

16.60 acres of clear farmland with 405’ of road frontage in the Town of Glen. Land is just off NY 5S near the shrine and it comes with a HUGE steel Morton style building with a concrete floor. Parcel is in the Fonda Fultonville Central school district and there are public power lines along the road. Great site for your new home and perfect spot for a hobby farm! . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Offered at $67,500

Town of Florida Cape * NEW LISTING *

No home improvements needed with this 4 bedroom, 2 bath cape on a 75’x175’ lot in a great setting!

Inside it has a spacious living room, dining room, kitchen and an open family room overlooking the back yard. 4 spacious bedrooms with 2 on the first floor, 2 up, Surrounded by 1000’s of acres of picturesque farmland there’s a 1 car garage, and it won’t last long because owner you will find this sweet 3 bedroom cape with a new wants it sold ASAP and wants offers on . . . . . . . . . .$139,000

bath, new kitchen, cozy living room.

Town of Glen Cottage

Amazing setting surrounded by 1000’s of acres of fields and a panoramic view from every direction! Inside it has stained glass windows, wainscoted cupboards, hardwood floors, 3 bedrooms, 1 bath, living room and dining room with built in’s, and owner wants offers on . . . . . . . . . . . . . . . . . . . . .$75,000

Gillen Road, Town of Charleston

Town of Canajoharie

Hold Your Horses!

2,042 square foot farmhouse just on the edge of the village. It was built in 1870 and has 3+ bedrooms, 1.5 baths, and sits on 3.00 acres. It has been lovingly maintained over the years. It has a carriage house kitchen, pine front foyer, dining room, with a pellet stove, large living room, with a full wall window, ceramic bath, and new windows and doors. Offers wanted on . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$225,000

In great condition 3 stall horse barn adjacent to this great condition 3 bedroom, 1.5 bath colonial in the Town of Root. Inside it has a living room with woodstove, sharp updated kitchen with dining area, mudroom, 3 spacious bedrooms, attached garage, turn out area for horses, and you can’t beat the setting! Fonda Fultonville Central school district and offers wanted on . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$149,000

Tribes Hill Cottage * NEW LISTING *

1850’s Town of Florida Farmhouse * NEW LISTING *

135 Acres with House FOR $139,500!! * NEW LISTING *

7.8 Acre Lot Tribes Hill * NEW LISTING *

Sweet and low! Sweet 3BR cottage that is all new inside! It has a new oak eat-in kitchen with appliances, updated 1.5 bathrooms, oversized living room with hardwood floors and pellet stove, formal dining room, detached 1.5 car garage, deck with above ground pool, first floor laundry room, low taxes and a large lot! . . . . . . . . . . . . . . . . . . . . . . . . .Offered at $127,500

Picturesque views of the Mohawk Valley from this 3+BR farmhouse with 2,400 sq. ft. of living area. Inside it has large rooms including the kitchen with Wood Mode cabinets, DR and LR, first floor den area, several 1850’s post & beam barns, pole barn, 2 car garage, 4+ acres of land and it is priced at only . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$98,500

Must be sold, good condition 4BR farmhouse in the Town of Charleston with 2,325 ft. of road frontage. Land is covered with sugar maple and hardwoods, abundant deer and turkeys, great setting, and it is a steal again at . . . . . . . . . . . . . . . .$139,500

All you need is your house plans with this country building lot that has a 20’x28’ pole barn, a pond, mature apple orchard with 28 trees, 10 peach trees, 4 cherry, 3 pear trees, a drilled well 138’, and it is almost all cleared and mowed like a golf course! . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Offered at $34,500

20 Acres Burtonsville Road, T/Charleston * NEW LISTING *

Town of Glen Manufactured Home * NEW LISTING *

2 story home sits on a really nice 185' x 130' lot as per deed.

Home features 2 bedrooms, 1 full bathroom, kitchen, formal dining room and large living room.

Beautiful wide plank wood floors, den, enclosed front and back porches, large yard and a 1 car garage. . . . . . . .$55,000

Country boy special with 20 acres in a rural setting that backs up to the NYS forest and comes with a 1960’s trailer, a new Quonset hut, a drilled well, and a paved horseshoe driveway, and it must be sold to settle estate. . . . . . .Offered at $42,500

12.3 acres of land and a great condition 2008 manufactured home with 3BRs, 2 baths. It also has an upgraded oak kitchen, large dining room, living room with a stone fireplace, master bedroom with a garden tub, 30’x40’ pole barn, and owner wants offers on . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$149,000

Tribes Hill Ranch

Bring an offer on this sharp 3BR, 2 bath ranch on a quiet dead end street that your kids can ride their bikes on, and it has a fenced in back yard for the dog and little kids. Inside you will find a modern home with a sunken family room with fireplace, formal dining area, new kitchen with maple cabinets, new siding, new deck, attached garage, and so much more! . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Offered at $145,000

This historic 1850’s Greek Revival is one of the oldest houses in the Town of Charleston. It sits on 2.66 acres on a dead end road & has seen many recent updates including all new windows, freshly painted exterior, updated electric, furnace and pellet stove. It has 5 bedrooms, 1.5 baths, double living room, formal DR & eat in kitchen. Also wide board floors, authentic woodwork, front and back stairs, insulation and great porches.

This one is well on it’s way to restoration. It just needs your good taste to bring it back to its former glory . . . . .$150,000

Don’t Squeeze, Town of Amsterdam * NEW LISTING * When you can spread out in this 4BR, 2 bath, split level home on a private lot surrounded by woods.

Inside it has an open concept family room, kitchen with hickory cabinets, and dining area. There is a cathedral ceiling and brick fireplace, granite countertops, and stainless appliances. You have to see the private master bedroom with deep walk-in closet, jacuzzi tub, anda sitting area overlooking the family room. Call now if you want a solution to your space problem. . . . . . . . . . . . . . . . . . . . .Offered at $214,500

LANA RUGGIERO, GRI, ASP 11 Forest St., Gloversville (518) 470-4738 www.ruggierorealtyllc.com • mruggier@nycap.rr.com 214 E. Main St., Johnstown

1131 Co Hwy 122, Town of Johnstown

7 Lark St., Gloversville

Stunning! 4BR, 3.5 bath custom built home on 11 acres and just minutes to Saratoga & Albany. Nearly 4000 sq. ft. of living space, newly refreshed kitchen plus attached & detached garages, shed, outdoor fireplace, pond... such a beautiful setting! . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $429,900

Best opportunity for the large family that needs lots of bedrooms!!! 5 bedrooms and plenty of space to sprawl out including a second floor den/computer room/toyroom.

Very well maintained for 50 years! Nice deep lot with privacy, in the city! . . . . . . . . . . . . . . . . . . . . $84,900

Looking out over Phelps St. is this darling expanded Cape. You won’t believe the spaciousness until you see it. Newer kitchen with adjoining family room, so cozy and inviting. Huge living room, formal dining room, beds & baths on both floors. Hot tub house and detached garage all on 4 acres. . . . . . . . . . . . . . . . . . . . . . . . . $224,900

New on the market, Craftsman style home in Gloversville’s East End. New kitchen, adjoining family rm., 2.5 new baths & laundry, master suite, large living rm w/stone fireplace, formal dining rm, two sunporches. ALL NEW SYSTEMS!. . . . . $119,900

462 N. Main St., Gloversville

206 Cape Horn Rd., Johnstown

119 Bertrand Rd., Mayfield

273 Smith Rd., Broadalbin

Enjoy the delightful in ground pool ALL summer, as this real nice 3BR, 1.5 bath is move in ready & easy to maintain. Many conveniences - mudroom, 1st floor laundry, walk in closet, large living space & modern kitchen...........................................$78,500

Wonderful log home on 18.8 acres in the Adirondacks. 3BR, 2 baths, open living area, wood stove, attached garage, deck, porch, full basement.

Many recent updates. Close to skiing, trails, lakes .. ...................................................................$174,900

Lakefront year round ranch with 30 ft. permit on the Great Sacandaga, just across the private road.

Pristine condition inside and out. Views from the deck, lots of storage, well manicured yard. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$289,900

Real cute 3BR/2 bath ranch on 1.5 acres in Broadalbin-Perth School District. Very spacious kitchen with bar, large living room, cathedral ceiling, pellet stove. Private setting off of Smith Rd with just 4 houses... this is a rare find at . . . . . . $124,900!

2132 Donnan Rd., Galway

1007 Co Hwy 122, Town of Johnstown

108 Woodlawn Dr. Town of Johnstown 13 W. Twelfth Ave., Gloversville 505 State Hwy. 29A, Town of Mayfield

5BR country estate on 45 acres. Large office has separate entrance. Sunny family room right off pool area, large eat in kitchen. Barns, milk house, silo, trails, ponds. Great location... owner ready to negotiate . . . . . . . . . . . . . . . . . . . . . . $395,000

Fabulous house in a wonderful location. Under 10 yrs young, modern design, efficient floor plan.

Master suite plus 2 more bedrooms. Family room, game table area and office in lower level. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$269,000

Cozy bungalow on pleasant dead end street, close to shopping, hospital, school. New full bath, doors, roof, furnace...FHA compliant...no work needed.

Tandem garage, fenced in bi-level yard, lots of storage space. . . . . . . . . . . . . . . . . . . . $76,500

A one of a kind, exceptionally well maintained home with GEO Thermal heating & cooling system.

Gorgeous new master suite includes tiled spa-like bath with heated floors, California closet.

Immaculate 4 car garage . . . . . . . . . . $259,900

237 S. Kingsboro Ave., Gloversville

124 Oakland Ave., Gloversville

200 W. Fifth Ave., Johnstown

6 Brant Rd., Johnstown

Modern raised ranch in perfect condition for the buyer who wants to just move in! 3 beds, 2 baths, large family room, eat in kitchen, attached garage.

Close to new shopping area and school $123,900

Oh so adorable Cape Cod...will work so well for those starting out and low, low maintenance for those slowing down. Recently updated and refreshed...this is so ready for new owners! 2 beds, Lovely home, lovely yard, lovely location. 5 beds, full bath on first floor, large 3rd bedroom and den 3.5 baths, in-ground pool, hot tub, wet bar, large on 2nd floor . . . . . . . . . . . . . . . . . . . . .$94,900 attached garage plus huge RV garage .$249,900

Phenomenal split level ranch, wonderful floor plan plus gorgeous back yard with in-ground pool, gazebo, summer room. Attached garage, plenty of storage . . . . . . . . . . . . . . . . . . . . . . . .$225,000

9 Grove St., Gloversville

1932 State Hwy. 29A, Town of Johnstown Clovercrest Dr., Town of Johnstown

418 N. Main St., Gloversville

2.20 acre city lot with much potential. Commercially zoned...great for heavy equipment, storage units, container storage...or build a new business. Directly off Rte 29A (E. Fulton St.) . . . . . . . . . . . .$15,000

A great view of the mountain ranges comes with this 1 acre building lot heading towards Caroga Lake. Level with old well and septic, new survey Just Reduced to . . . . . . . . . . . . . . . . . . . $19,999

2.10 building lot in newer cul-de-sac. Peaceful location within minutes to city amenities. Town approved, paved road, electric. Great spot for a new home! . . . . . . . . . . . . . . . . . . . . . .$38,000

Cream Puff! Just a cute little cottage in the city with 3 beds, 1.5 baths. Great authentic detailing with some modern upgrades to baths & kitchen. Seller will pay 1 full year of taxes! . . . . . . . . . $69,900

Page 9 • REAL ESTATE GUIDE • June 29, 2013

“...for the personal attention you deserve!”

June 29, 2013 • REAL ESTATE GUIDE • Page 10

Time your move right to save money Buying a new home is the most expensive purchase a person is likely to make in his or her lifetime. It also can be one of the more stressful. The Employee Relocation Council states that moving is the third most stressful event in life, following death and divorce. But a well-timed move can reduce stress and save money.

Moving during certain times of the year can result in considerable savings. Moving during the summer, when children are out of school and the weather is nice, can make a move more manageable. Keep in mind that because late spring and summer are the peak moving seasons, they also tend to be more expensive. Many moving companies and truck rental agencies will charge a premium if you use their services during the summer. Furthermore, crews may change in the summer when students on vacation could fill in for regular, more experienced movers.

High prices are not only reserved for those who buy a new house during the spring and summer.

Renters may find spring and summer is also the peak season for rentals. Many apartment managers can attest that the dates between June 2 and August 30 are quite busy in terms of apartment turnover. College students are more likely to move as soon as the academic year ends, and many landlords plan leases to expire in the summer months to ensure that re-renting places will be easier thanks to a flooded apartment market. According to Apartment Wiz, a Houstonbased apartment locating service, although there might be greater apartment availability during the warm-weather months, it also means greater competition between prospective tenants. That greater competition can drive up prices.

when foot traffic has fizzled out. That can make shopping for a home in the fall advantageous to home buyers.

Here are some other tips to reduce stress and save money when moving into a new home or apartment.

• Move mid-week. Weekends are a prime time for truck rentals and moving companies. Pick a Tuesday or a Wednesday to move, and you’re much more likely to find an available moving service (even during peak moving months); you may even be able to negotiate a lower rate.

• Pick a mid-month moving date. Many people move at the beginning of the month when leases are up or after mortgage payments are made. Fewer people move in the middle of the month, so you might find more affordable moving deals if you can wait a few extra weeks.

• Schedule a fall or winter move. The American Moving and Storage Association says half of all moves occur during one-third of the year — between the beginning of May and Labor Day. Beat the rush by moving outside of these dates.

• Get an early start. Many people underestimate the amount of time it takes to actually move their belongings. Try to schedule a moving company to come very early in the morning to give you ample time to pack up the truck and unpack at your new home.

But apartments are harder to fill in the fall or at the onset of winter. That’s because many people do not want the hassle of moving once school has started or the weather has chilled. Landlords who are stuck paying utilities and advertising fees for vacant apartments are far more likely to negotiate rent prices, lease terms and even security deposits during the winter in an effort to fill the apartment quickly.

People sitting with homes on the market are also more likely to negotiate during cooler months D CE DU RE

SHARON SPRINGS, NY Completely renovated 2BR, 1BA home short distance from town. All new appliances, new bath, floors, electric, carpet, windows, garage door, and more. 2+ acres w/barn . . .$145,000

SHARON SPRINGS, NY Looking for a newer home with privacy? This one has it all. Wrap around porch, views, privacy. 3rd floor has master suite w/bath, 2BR, LR, DNA, Kit on 2nd floor, finished den/family room in basement, incl. 1 car garage. 5+ acres of rolling meadows. . . . . . . . . . . . . . . . . . . . . .$169,000

SHARON SPRINGS, NY Seclusion at its finest. Views to enjoy 24/7. Spacious rooms, large window for the Christmas Tree, nice pond, 3BR, 2BA, LR, FDR, eat-in kitchen. A must see for . . . . . . . . . . . . . . . .$149,900

Looking for that Great Get Away?

Look no further with this lovely ranch situated on 8+- acres of beautiful trees and shrubs with a large pond. House consists of covered rear deck, 3BR, 2BA, LR w/woodstove, FDR, breakfast nook, large kitchen w/appliances, wood floors, family room and 1BR in basement. includes 14x70 mobile home for guests, Large two bay barn w/workshop plus the two car attached garage. All this and more for . .$275,000

SHARON SPRINGS, NY COUNTRY LIVING AT ITS BEST! Move in ready, this center hall Large three story home comes with 3BR, 2BA, LR, DR w/sliding door to deck, Eat-in kitchen, Den, several large walk-in closets w/lights. Family/game room and one car garage. Many other features including 2.6+ acres. . . . . . . . . . . . . . . $117,000

home has an up to date eat-in kitchen, DA, LR, computer room, 1 bath/laundry on first floor. Beautiful serene setting with waterfalls in stream. Large 2 story, 2 car garage/workshop, 9 Acres . . . . . . . . . . . . . . . . . . . . . . . . . . . All for $139,900

Mary Ann Larkin, Broker 7078 State Route 10 Sharon Springs, NY 518-284-3200 0 • faxx 518-284-2682 13459 www.larkinrealty.com • malarkin@nycap.rr.com

A well-timed move can reduce stress and save money.

Page 11 • REAL ESTATE GUIDE • June 29, 2013

June 29, 2013 • REAL ESTATE GUIDE • Page 12

Can you afford to buy a house?

by Susan Taylor, Consumer and Family Economics Educator, University of Illinois Extension When you decide to buy a house, one of the hardest things to figure out is how much you can afford. The important thing is only to spend as much as you can comfortably afford.

What do you need to know about home loans?

Most people bxorrow money to buy a home. If you take out a home loan, then you will have a monthly mortgage payment.

This payment has several components. These parts of a mortgage payment are called PITI — principal, interest, tax and insurance.

CAROGA COTTAGE Relax in this summer home with two bedrooms and extra lot. Plus East Caroga Lake rights. . . . . . . . . . . . . . . . . . . . . . . . . .Offered at $87,500

purchase price.

• Interest. The interest is the amount charged for borrowing money.

The percentage depends on the type of loan you get. Lenders usually require 20 percent down payment for a conventional mortgage. Some lenders will finance for as low as 10 percent down payment, but require the buyer to purchase mortgage insurance. FHA (Federal Housing Authority) and VA (Veterans Administration) financing requires even a smaller percentage down payment.

• Real estate taxes. The real estate taxes are collected each month by the lender until the annual property tax bill comes due, and then the lender pays the tax bill.

• Homeowner’s insurance and mortgage insurance. Lenders often require homeowner’s insurance and mortgage insurance as part of your payment. Homeowner’s insurance provides protection if something major happens to your house such as a fire, and the mortgage insurance protects your lender in case you don’t make your payments.

What are the additional costs you will have with home ownership? List your current housing expenses and to estimate

Can next page

What are other costs of home ownership?

Too often people consider only the monthly mortgage payment when deciding if they can afford to buy a home. Other costs are also very important such as loan costs, new housing expenses, and current living expenses. When you borrow money, a lender may charge fees such as an application fee. Another initial cost can be points.

Points are a one-time charge by the lender to increase the loan yield. A point is one percent of the mortgage loan amount. These are some possible closing costs. Closing costs are expenses (above the property price) paid by the buyer and the seller.

ANTHONY CHRISTIANO LICENSED REAL ESTATE SALES PERSON OFFICE: (518) 725-3405 FAX: (518) 725-2663 CELL: (518) 774-4205 EMAIL: gcrtony@gmail.com

• Principal. The principal is the loan amount remaining unpaid.

28 SOUTH MAIN STREET GLOVERSVILLE, NY 12078

You can’t borrow all the money you need to buy a house. You will need some cash for the closing costs and the down payment. A down payment is a percentage of the home’s

48 Church Street, Canajoharie, NY 13317 518-673-3677 • richardeulerrealty.com

194 Canajoharie: 3BR home on 5.4 acres.

Owner loves the tranquility, says it’s peaceful and quiet. It’s also very private. $224,900

176 Cobleskill: Stately brick Victorian is

convenient to downtown amenities and near SUNY. Pristine condition. Carriage house.

NOW $199,999

195 Summit: Situated on 4 acres in a recreational community overlooking Lake Summit. Completely redone. 3BR, 2 baths. $249,000

158 Fort Plain:

A brick 4BR historic jewel is priced to move and recently new assessment for lower taxes. Edge of town. $74,900

288 Palatine: Walk thru the front door of this 248 Oppenheim: A hunter’s dream on 8 acres.

3BR home and all you’ll say is “WOW”.

Remodeled. Relandscaped. View of river. $195,000

5BR log home with an inlaw apt. over two car garage plus large spacious garage out back. $205,000

June 29, 2013 • REAL ESTATE GUIDE • Page 13

Can from previous page your future housing expenses. For example, what is your utility bill now and will it increase if you buy a new home?

Consider changes in the cost of your insurance, taxes, commute, tools, and fees such as condo fees.

You may want a “reserve fund” to cover initial new home expenses such as decorating, window coverings, furniture, lawn care equipment, and unanticipated repairs. Try not to do any major remodeling during the first year. If you stretch yourself too far and you can’t pay your monthly mortgage payments, you may lose your home.

Don’t forget to keep in mind your non-housing expenses. Nonhousing expenses include food, clothing, entertainment, education, car expenses, medical expenses, childcare, savings, etc. These expenses are important to consider as you look at the mortgage payment figures. Can you comfortably afford the monthly mortgage payment if one of your other expenses (such as medical or childcare) increases?

How much money can you borrow?

The lender sets a limit on how much you can borrow. Lenders want to know how much of your gross income (your total income before taxes or any deductions) will go towards your mortgage payment. You must qualify to get a mortgage loan. You may want to pre-qualify for a loan so that you can shop for homes in your price range.

To qualify you for a loan, a lender will look at two major factors: your earnings and your existing debt. To decide if you make enough money for a mortgage payment, most lenders use the housing-expense ratio. Typically lenders will allow you to spend up to 28 percent of your gross income for a mortgage payment.

For example, a family earning $50,000 gross annual income earns $4,167 per month gross income ($50,000 divided by 12 = $4,167). This family would qualify for a loan with a $1,167

monthly mortgage payment ($4,167 multiplied by .28). However, keep in mind this ratio uses gross income not take-home income. You must decide if you can comfortably afford this high of a monthly payment plus your other expenses.

Lenders also use the debt-to-income ratio. This method calculates how much of your gross monthly income is used to pay debt. Payments for the mortgage, car loans, credit card debt, student loan payments and other debt are all considered.

Lenders often use a 36 percent debt-to-income ratio. However, taking on such a large payment obligation isn’t wise unless you feel confident you can live on what remains of your income.

Lenders consider other factors too. A poor credit history, unstable income source, or inadequate cash reserves can disqualify you as a borrower. The lender also must approve the house you want to purchase. Usually this approval requires an appraisal of the property.

What are your options?

Don’t be discouraged if at first it seems you can’t qualify for the loan you would like. There are many programs to help first-time buyers. These programs usually offer loans at low interest rates or with a low down payment. Be sure to check on the availability of these first-time buyer loans and also FHA (Federal Housing Administration) and VA (Veterans Administration) loans.

You may want to reevaluate the home price you thought you wanted. Perhaps you could qualify for a less expensive home.

It may be that it’s important to pay down your current debt or save some cash before you buy a home. Set yourself a goal to save or reduce debt by a certain date. When you’ve met your goal, apply for a loan again.

By carefully considering all the costs of home ownership, you can choose a home that you can comfortably afford.

A&M PROSPECT PROPERTIES LTD. 217 N. Main Street • Gloversville, NY 12078

Kathleen M. Mussi

Tel 518-773-8457 • Fax 518-773-9734

Licensed Real Estate Broker/Owner

www.amprospectproperties.com d

R

Gloversville - 16 West 10th Ave. Quaint 2 family home situated on quiet street that borders walking trails. Close to shopping & schools. Great owner occupied dwelling or extra income. Low taxes!

$69,000

Large single family home . . . well maintained, 4 bdrms, 2 baths, renovated in 2002, fenced yard. $59,900 MLSS 222693

2 Family, 2 Bedrooms each unit.

0 MLSS 222306 Motivated Seller. $54,900

d

ce

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u ed

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Johnstown 2 family. 4 bedrooms over 2 bedrooms, large yard. Fully rented. Motivated seller. Priced to sell. $69,900 MLSS 220878

RENTALS Gloversville - 3 bdrm Upper, Renovated 2011 - $650

Large 4 bedroom house situated in the beautiful Adirondack Mountains, overlooking a mountain lake. Remodeled in 1994.

Beautiful views year round! Must see!

266 YEARS OF EXPERIENCE IN PROPERTY MANAGEMENT .

2 family, has 3 bdrms each apt... tenants will enjoy large driveway, large rooms updated kitchen. $59,900 MLSS 222838

Wee aree heree forr youu whenn youu can’tt be..

Two family w/two car garage - fully rented.

1st floor large kitchen, 3 bdrms, lge deck in 0 MLSS 222494 back, 2nd floor 2 bdrms. $68,500

July 27, 2013 Issue Deadline Wednesday, July 17, 2013

SERVING HOMES IN THE FOLLOWING COUNTIES:

c Albany c Fulton c Herkimer c Montgomery c Oneida c Otsego c Rensselaer c Saratoga c Schenectady c Schoharie

For More Information Call John Snyder 518-673-0129 Reach Over 110,200 Homes Distributed In:

Page 14 • REAL ESTATE GUIDE • June 29, 2013

RE A L ES TAT E GU I D E

June 29, 2013 • REAL ESTATE GUIDE • Page 15

How to get approved for a mortgage Real estate professionals say the market is rebounding, and many would-be home buyers are eagerly awaiting their opportunities to purchase their own homes. Fresh data indicates that the inventory of properties is quickly drying up and soon the market is poised to point in the sellers’ favor.

According to Allen & Associates, a real estate appraisal, consultant and research firm based in Colorado, properties in the area listed for sale are below the six-month supply of inventory. Now could be the time to get a good deal on a home, provided buyers are able to secure mortgages.

No matter how many affordable homes are available, if a buyer cannot get approved for a mortgage, then his or her chances of owning a home are slim. In the wake of a tumultuous economy, many lenders tightened restrictions on mortgage lending. And even though the economy has rebounded, many lenders have continued to follow strict guidelines before lending money. In order to secure a mortgage with a good interest rate, buyers must take control of their financial situations and fix problems that could lead to loan rejection.

Many things can impact a mortgage application. Here are the ways to overcome liabilities and improve your standing with prospective lenders.

• Know your credit rating. Your credit rating is a score that lenders rely on when deciding whether or not to approve your mortgage application. The higher the credit rating, the more attractive you look to prospective lenders. But the lower your score is, the more difficulty you will have getting a loan. Should you get a loan with a low score, you may have to pay a higher

interest rate than someone with better credit. Prior to making any big financial decisions, such as applying for a mortgage, it is vital to find out your credit score. You can request a free copy of your credit report, which includes your credit score, once a year from the three major credit reporting agencies in the United States and Canada: TransUnion, Experian and Equifax. You also can pay for your credit report.

• Address any issues on your report. Once you know your score, you can take steps to address any issues on the report. Pay down revolving consumer debts, such as credit card balances and auto loans. Report any errors on your credit report so they can be adjusted. Pay bills on time and address any notices of collections before they make it onto your permanent record. If you will be applying for a loan soon, avoid opening any other credit accounts for the time being.

this can backfire. Lenders will want to see a strong credit history that indicates your ability to pay your debts on time.

• Get a cosigner. If you are uncertain about your ability to secure a loan on your own, then consider a cosigner to make you more attractive to prospective lenders. The cosigner helps guarantee the lender that your mortgage payments will be made.

People looking to buy a home in the near future must make themselves attractive to mortgage lenders, many of whom are still reluctant to approve loans for candidates without strong financial backgrounds.

• Maintain steady employment. Having a job is often vital to getting a mortgage. Lenders tend to look for long-term financial stability, which is best illustrated by maintaining steady employment. Jumping from job to job may be a red flag to lenders, so it’s better to make a switch after you have been approved for a loan.

• Save, save, save. Having more money in the bank lowers your loan-to-value ratio, or LTV. This will make you appear less risky to lenders. Individuals who have saved for a considerable down payment on a home are also seen in a better light.

• Make sure you have a credit history. Some people are too cautious with their credit and think closing accounts or avoiding credit entirely will make them more attractive to lenders. But

Mohawk Valley Real Estate LLC 4720 State Highway 30, Amsterdam, NY 12010

518-843-4343 www.MVRELLC.com

NEW LISTING - PULASKI ST., AMSTERDAM Fully rented duplex in excellent condition features spacious rooms and onsite laundry. . . . . . . . . . . . . . . . . Only $80,000.

RIVER RD., FT. PLAIN - COZY HOME ON 6+ ACRES! features updated home with beautiful finishes and finished basement for family room and game room. This is a must see home. The 6 acres are wooded with large yard and nice pond. Deer come right into the back yard . . . . . . . Only $149,900.

NEW LISTING - VALLEY VIEW RD., AMSTERDAM Quiet neighborhood home features 3BRs and 1 1/2 baths in excellent condition! Just the right size at 1,324 sq. ft. . . . . . . . . . . . . . . . . . .Only $145,000

NEW LISTING - ST HWY 29, EPHRATAH Newer 3BR, 2 bath Doublewide on 4 acres, very private location! . . . . . . . . . . . . . . . . . . . . . . . . .REDUCED $99,900

LAKEVIEW AVE., SCHENECTADY - Move-in condition. Great 3 bedroom home in quiet neighborhood. Living room w/wood fireplace, formal DR, HW flooring, kitchen with all new appliances and walk-in pantry, back yard has a large deck and garage . . . . . . . . . . . . . . . . . . . . . . . . . . Asking $105,000.

EAST STATE ST., GLOVERSVILLE - Features 5BRs, 1.5 baths, eat in kitchen, LR, DR, 2 car garage on large city lot. Close to Nathan Littauer Hospital. Close to shopping and Churches. . . . . . . . . . . . . . . . . . . . $78,500

PERTH FITNESS RD., BROADALBIN Great country home, very spacious, bright and inviting located at 130 Perth Fitness Rd., Broadalbin. Features 4 Bedrooms plus finished basement and great school Dist . . . . . . . . . . . . . . . . . .Reduced to $198,000.

ST HWY 162, ESPERANCE - ENERGY EFFICIENT HOME! 3 bedroom, 2 bath Doublewide on 2.3 acres, located in the Schoharie School Dist . . . . . . . . . .$89,900

WADDELL AVE., FORT PLAIN - Wonderful 3BR home features HW floors, fireplace and great yard. . . . . . . . . . . Only $89,500!

FIREFLY MEADOW RD., GLEN - Seasonal log home with 2 acres and spectacular views. Adirondack living at its best . . . . . . . . . . . . . . . . . . . . . . . . . . . . Only $69,900.

LOWER LEPPER RD., AMSTERDAM Spacious 3BR, 2 bath home in quiet location features HW floors, family room and landscaped yard . . . . . . . . Only $100,000.

REED ST., CANAJOHARIE - Updated 3BR home features HW floors, fireplace, claw foot tub and natural woodwork. In beautiful condition and in the Canajoharie School Dist.. . . . . . . . . . . . . . . . . . . Only $86,900.

MaryEllen Charles, NYS Licensed RE Broker/Owner

www.ADKSrealty.com Email:: mel@adksrealty.com 101 Washington Square, Caroga Lake, NY 12032

Spectacular Western E. Caroga Lake Views. 360 ft.

Sandy Beach! Superb 4BR/3BA w/2 car garage.

Inviting open floor plan. Gorgeous Master Suite. WATERFRONT WESTERN VIEWS! 3BR/2BA ranch on 225+ ACRES w/TRAILS. Own 1/2 of pristine private no Lakefront deck & dock for your boat. Includes addi- peaceful Peck Lake. Full basement, 2 car garage, deep motor Newkirk Lake. Luxury living suite BR/3.5BA, 2 tional lot & 2nd garage. $432,000 MLS 222382 fireplaces. $549,000 private south shore lot. $270,000 MLS 220803

Carol Paciolla, Licensed Assoc. Broker • 332-3279 Diane Perrella, Licensed RE Salesperson • 725-8286

E. STONER LAKEFRONT YEAR ROUND HOME! 2 lots!

Borders STATE land! Snowmobile trails, sandy lakefront! 5+ Acres - Beyond Compare! 4BR/2BA Cape. Gourmet Immaculate 2BR/1.5BA. Move in for $385,000. kitchen, deluxe everything inside & out! $255,000 www.ADKSrealty.com MLS 222461

New

New

New

BROADALBIN - Great Sacandaga Lake - Snowmobile BROADALBIN 12 ACRES! Finish this dream cape! Very trails. Beautiful 3BR/2BA with LOTS OF NEW!! Storage EPHRATAH - Very private 2BR, 2BA, 3 acres, private private wooded site. Connect to village water/sewer. for boats, snowmobiles. Eagle Mills Rd. $115,000 stocked pond, immaculate! Custom throughout, on PECK LAKE YR. ROUND - Level lot, sandy beach, dock, OFF LAKE LOG CABIN! Borders state land. Access Canada Lake - very peaceful. Move in & enjoy summer! furnished! Make offer $375,000 Call to view! $174,000 snowmobile trails. $179,000 MLS 222704

New

Reduced

BLEECKER HUNTING LAND! Superb 44+ acres! Deer, 28 ACRES, JOHNSTOWN - Borders airport and golf 1.7 ACRES! Caroga Lake Colonial 4BR/1.5BA, fireBROADALBIN 22+ ACRES - Custom log home. BLEECKER CHALET - 65 acres! Unfinished, add your Deer, Deer! Off the grid hunting cabin in place deer course, 3BR, 1BA, attached garage, 2nd garage for car places inside & out. 1/2 mile to YOUR OWN E. Caroga 2BR/2BA, pond, very private! NO APA $249,900 stands, trails, all ready to go! $135,000 enthusiasts. Immaculate! $179,000 Lakefront Lot for boat dock! $159,900 MLS 222609 style! Trails. Woods. $115,000

Reduced

New

New

New

New

Immaculate Ranch - Johnstown Schools & City Water!

1 acre lot. 3BR/2BA, full basement, sunroom, attached garage w/add’l shed. Country setting minutes to town! 1020 ST HWY 10, Caroga - 2BR/1BA. All redone, even 117 Balsam - $135,000 - 3BR/2BA, walk to Lakeview Rte. 10 & Chapel Rd. - $45,000 - 2BR/1BA, corner lot. 158 Pinnacle Rd - $195,000 - 46 acres, 3-4BR coloAssoc. Beach. 2 garages. Lots of New. nial, new kitchen & bath, heated garage. Trails.

Deck to relax & enjoy lake breezes. $168,000 MLS 222913 central air.

BORDERS STATE FOREST

BORDERS STATE FOREST

$168,000 - SNOWMOBILE TRAILS! 4BR/1.5BA, tucked in $175,000 - NEAR LAPLAND LAKE XC & NORTHVILLE 2 LOTS. WATERFRONT CAMP Sleeps 12 on Mt. Lake is $128,500 CAROGA LAKE! Year round. Meticulous $189,000, QUIET & PRIVATE 150 FT LAKEFRONT E off the road. With DEEDED shared lakefront Lot on peace- PLACID TRAIL - Very private! Low taxes, deluxe off the motor friendly! Docks, furnishings stay! Make Offer! remodeling from the copper plumbing, new kitchen STONER 2BR/1BA Chalet. Fireplace, new kitchen & w/maple cabinets & new floors. MLS 222945 $133,000 MLS 201215491 ful W. Stoner Lake. MLS 201219669 bath. Dock stays! MLS 220803 grid 2BR/1BA year round home. MLS 215503

$159,000 - LAKE PLEASANT, STRATFORD - 95Ft. 128 KNOWLTON RD, FONDA - $90,000 - 3BR/1.5BA, $39,900 - 107 S. PERRY ST. - Less than a car! 523 W. MARKET ST., JOHNSTOWN - $89,900 - OWN THE POINT - $315,000 - Grand camp on E. Caroga, 4BR/1BA. 300+/- ft. waterfront. plenty of room, quiet street.

3BR/2BA, 1 car garage 3BR/1BA, wood floors, reinsulated! waterfront, western views. 2BR/1BA rustic cabin.

Come Play from these Caroga Lake Off Lake & Direct Waterfront Properties!

116 First Ave., E. Caroga . . . . . . . . . . . . . . . . . . . .$52,900 2525 St. Hwy. 10 E. Caroga Deed lakefront . . . .$159,900 127 Balsam Ave., W. Caroga . . . . . . . . . . . . . . . . .$78,000 208 N. Shore W. Stoner - Deeded Lakefront . . . .$168,000 131 Lakeview Ave., W. Caroga . . . . . . . . . . . . . . . .$84,900 224 S. Shore W. Caroga Waterfront . . . . . . . . . .$157,000 112 S. Shore W. Caroga . . . . . . . . . . . . . . . . . . . .$119,000 149 E. Shore W. Caroga Waterfront . . . . . . . . . .$200,000 118 Outlet Road E. Caroga . . . . . . . . . . . . . . . . . .$128,000 229 E. Shore W. Caroga Waterfront . . . . . . . . . .$179,900 118-120 Scott Rd., E. Caroga . . . . . . . . . . . . . . . .$110,000 LAND! Vacant Acreage & Lots AVAILABLE

118-120 SCOTT RD - $110,000 - 2 for 1! Yes 2 houses! 1 block to E. Caroga Assoc. Beach! 3 lots, bring all your friends to the lake this summer!

NEW LISTINGS: www.ADKSRealty.com

Page 16 • REAL ESTATE GUIDE • June 29, 2013

518-725-ADKS (2357)

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Produced by Lee Publications • 6113 St. Hwy. 5 • Palatine Bridge, NY 13428 • 518-673-3237 • 800-218-5586 • www.leepub.com

Page 1 • AUTO, TRUCK -N- MOTORCYCLE • June 29, 2013

Your n Hometow

June 29, 2013 • AUTO, TRUCK -N- MOTORCYCLE • Page 2

Six tips on getting a good deal on an auto lease

by Alex Veiga, AP Business Writer Even with low interest rates that make buying a car more affordable, many consumers are leasing a new car or truck instead.

New vehicle leasing climbed in the first three months of 2013 to the highest level in seven years, according to Experian Automotive, a unit of credit data tracker Experian. Leasing made up nearly 28 percent of all new vehicles financed in the quarter — the greatest proportion in records that go back to 2006.

“Lenders have seen overall stability come back to the market since the recession, and leasing has gradually returned as a larger part of many lender strategies,” said Melinda Zabritski, senior director of automotive credit at Experian.

Leasing has its perks, especially if you want to drive a new car every couple of years while keeping monthly payments low.

But understanding

whether leasing is right for you and how complex lease agreements work is essential to avoid ending up paying more than you bargained for.

Here are six tips to get a good deal when leasing a new car or truck: • Understand the difference between leasing and buying Generally, buying a car and holding onto it for many years is the least expensive way to own a vehicle.

While cars and trucks depreciate, or lose value over time, the vehicles retain some value that you can always turn around and apply toward your next purchase.

But if you lease, you only get to drive the car for a fixed period of time.

Your monthly lease payments go toward paying for the depreciation in the vehicle, not ownership.

And there are restrictions on how many miles you can rack up on the car during the lease period.

When the lease term expires, you can buy the

car or lease another new vehicle.

Leasing offers many benefits, particularly when it comes to payments.

While some dealerships will ask for some money down, the monthly payment will typically be less than what you’d pay if you borrowed money to buy the car.

And the short-term commitment opens the door for you to drive a newer car after a couple of years.

“If you’re really focusing on your short-term financial situation, lease has much appeal,” Jeff Bartlett, deputy editor at ConsumerReports.org.

“But if you have the luxury of looking long-term, buying will be a better investment.”

Still not sure whether it lease or buy? Try running the numbers through online calculators like this o n e : www.bankrate.com/calculators/auto/lease-buycar.aspx • Don’t forget to haggle

Consumers have become accustomed to haggling over the price of a car, down payment or interest rate on a loan when buying a car, but few realize you can employ the same strategy when you lease.

“Many people fall into the allure of the low monthly price that is being offered to them,” Bartlett says. “You’re just handing over to the dealer more money.”

As in a purchase transaction, experts recommend someone contemplating a lease take steps to familiarize themselves with the sticker price and any factory incentives being offered on the car.

Then haggle with the sales staff to get a lower price before applying the lease terms.

• Be realistic about mileage Lease contracts include limits over how many miles you can put on the vehicle. Once you go above the limit set forth in the lease, you’ll be charged a per-mile rate.

A common annual limit is 12,000 miles, though some drivers may be tempted to opt for as low as 10,000 miles to save money. Be realistic about how much you’ll need to drive, or you could face hundreds of dollars in fees at the end of the lease term.

One option is to prepay for additional miles at a lower rate. But make sure you have it built into the lease agreement that you’ll be credited for any unused miles.

• Avoid leases longer than three years More than half of all new auto leases are for between two and three years, according to Experian.

Dealerships are increasingly offering longer lease periods, but you should resist leases that run for more than three years, advises Philip Reed, senior consumer advice editor for car research site Edmunds.com. That’s because longer lease terms can expose you to having

to pay for repairs such as tire and brake replacements.

• Think twice about buying your leased vehicle At the end of the lease term, you’ll have the right to buy the car you’ve been leasing for a predetermined amount known as the residual value.

With few exceptions, you’ll generally end up paying more than if you had just bought the car to begin with, says Bartlett.

Reed advises that drivers get an estimate for the value of their vehicle when they near the end of their lease term before deciding whether to buy it.

• Remember there’s always an out Websites like www.leasetrader.com and www.swapalease.com connect drivers who want out of their lease agreement early with car shoppers looking to take over an auto lease contract.

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2511 BROADWAY SCHENECTADY, NY www.drivelinemotorsny.com 2002 Mitsubishi Lancer ES

2007 Toyota Yaris

2001 Hyundai Elantra GLS

1999 Honda Accord EX

5 speed manual, 4 cyl., GREAT MPG, great shape - no rust (southern car), only 114k miles, many new parts, fully loaded, COLD AC, CD, power windows/locks and more! One owner . . . . . . . . . . . . .$3,995

Like NEW condition! Very good cond., auto, 4 cylinder, ice cold AC, CD, only 76k miles, prices under KBB - Toyota reliability . . . . . . . . . . . . . . . . . . .$8,800

ONE OWNER! Very good condition inside and out, only 103k miles, fully loaded, AC, CD, power, automatic, 4 cylinder gas sipper! Too many new parts to list, great bang for the buck! . . . . . . . . . . . . .$4,350

Super clean inside & out. Automatic, 4 cylinder, great MPG, fully loaded, sunroof, AC, CD, full power, alloys and more!

Runs/drives great, 150k miles, Honda reliability! . . . . . . . . . . . . . . . . . .$3,995

2006 Saturn Ion 3

1999 Chevy Cavalier

2004 Honda Civic EX

2004 Kia Spectra

One Owner! Immaculate condition inside & out. Only 94k miles, new tires/brakes, 4 cylinder, automatic, overall great car. Alloy wheels and COLD AIR! . . . . . . . .$7,400

PRICE REDUCED! Auto, 4 cyl., ready to go, drives great, body/interior super clean! Serviced, road ready . . . . . . . . . . . . . . . . . . . . . . . . . . .$2,500

Absolutely gorgeous inside & out, only 100k miles, ONE OWNER, clean CARFAX, loaded EX model, power sunroof/windows/locks and more, automatic, 4 cylinder, COLD AC, CD, alloys, wheels, spoiler. Very clean car! . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$7,777

Clean car, 5 speed manual, gas sipping 4 cylinder, only 85k miles! Cold AC, CD, ready to go, priced to sell! . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$3,950

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2004 Kia Sorrento EX

2005 Dodge Grand Caravan SXT 2001 Ford Ranger XLT

Sharp and sporty! Automatic, 4 cylinder, car runs and drives great. Very economical, new body style, 130k miles, many new parts . . . . . . . . . . . . . . . . . .$4,750

Sharp looking SUV! EX model includes, heated leather seats, sunroof, 6 disc CD changer, full power, keyless entry, alloy wheels & more. 4WD, V6 engine, runs & drives great only 90k miles!

Priced well under KBB, a must see vehicle priced right at . . . . . . . . . . . . . . . . . . . . . . . . . .$7,995

Automatic, 3.8L V6, runs/drives excellent, LOADED model, full power, front & rear heat/AC, CD, rear DVD entertainment, 7 passenger seating, 120k miles, alloy wheels and more! Fresh tune-up, ready for the road!. . . . . . . . . . . . . . . . . . . . . . . . . . $5,995

4WD, only 120k miles, step side bed, sliding rear window, rear “jump seats”, 4 door, 3.0L V6, COLD AC, no rust, alloys, tow package, runs/drives great, many new parts . . . . . . . . . . . . . . . . . . . . . . .$5,888

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2005 Dodge Neon SXT

2000 Honda Civic LX

2000 Chevy Cavalier

Gorgeous car! Only 87k miles, immaculate inside & out, loaded, AC, CD, power windows/locks, clean CARFAX, priced below book . . . . . . . . . . . . . . . . .$11,900

Very sporty! Fully loaded, factory spoiler, alloys, all power, AC, CD, great MPG, fun to drive, runs/drives great . . . . . . . . . . . . . . . . . . . . . . . . . . .$4,400

Extra clean car! Dealer maintained, 4 cyl., auto, power windows/locks, COLD AC, CD, 4 BRAND NEW tires, 140k miles, clean CARFAX! . . . . . . . . . . . . . . .$4,350

Auto, COLD AC, sporty, runs and drives great, 4 cylinder, good gas MPG, no rust, nice shape . . . . . . . . . . . . .$2,800

All vehicles are inspected, serviced, and guaranteed.

On site service and repair.

Page 3 • AUTO, TRUCK -N- MOTORCYCLE • June 29, 2013

518-701-6817

June 29, 2013 • AUTO, TRUCK -N- MOTORCYCLE • Page 4

Simple ways older drivers can save money on auto insurance (BPT) — Are your auto insurance premiums too high? Maybe they are, but not for reasons you might think. Insurance companies aren’t charging you higher premiums because you’re in an over-50 age group. You may be paying too much because you haven’t done anything to lower the cost of your premiums. Check out these money-saving tips — they could be right up your alley.

• Comparison shop.

You don’t need to stay with the same insurance company forever. Prices vary from company to company. Just be sure you discuss the identical coverage with each company representative.

Also, don’t go by price alone. Consider the company’s reputation, customer service and available discounts. Look online at customer reviews to get a better picture.

• Combine policies with one carrier. You may save money if you insure all your vehicles on a single policy. Your premium

may also go down if you have life or homeowners’ insurance with that company, too.

• Consider asking about higher deductibles.

In some cases, if you increase your deductible, you could lower your premiums. Of course, that means you’ll have to pay more money out-of-pocket if you’re in an accident.

• Take an AARP Driver Safety course. Available both online and in the classroom — in English and Spanish — this course teaches valuable defensive driving techniques and provides a refresher about the rules of the road. When you complete the course, you could qualify for a multiyear discount from your auto insurance company (check with your insurance agent for more details).

Visit www.aarp.org/drive to find a course in your area.

• Consider dropping collision and/or comprehensive coverage. It may not make financial sense

to pay premiums over many years to maintain collision and comprehensive coverage. If your car is worth less than 10 times the premium, purchasing the coverage may not be cost effective, according to the Insurance Information Institute (III).

But don’t drop your liability coverage, which can help cover expenses for property or bodily damage you cause while driving your car.

• Take advantage of low-mileage discounts.

Some carriers offer discounts to drivers who put less than a predetermined number of miles on their vehicles each year. If you’re only using your car to drive to your kids’ houses, the grocery store, the mall and the gym, this could be a money-saving opportunity.

• Ask about car-safety discounts. Some insurers give discounts for having certain safety devices in your car, such as air bags, automatic safety belts, anti-lock brakes, daytime running lights,

Sitterly’s

or even an approved alarm system. In addition to lowering your premium, these features will help keep you safe on the road.

• If you’re in the market for a new car, consider purchasing a low-profile

vehicle. It’s more expensive to insure a vehicle that’s expensive to repair, popular with thieves or known for not having a good safety record. To find out vehicles’ risk levels, visit the Insurance Institute for Highway

Safety website.

Everyone’s trying to save money these days.

By following these tips, you’ll be in the driver’s seat when it comes to auto insurance premiums.

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Trade-Ins Accepted • Financing Available Compare Our Quality • Compare Our Price Denise Sitterly Office Manager

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If you need an affordable car, truck, suv or van, we can finance just about anyone.

Stop in or call me for details.

When it comes to taking care of their vehicles, many motorists prefer to be overly cautious. While that's not necessarily a bad thing, there are times when being too cautious can unnecessarily cost you money.

Motor oil, and when to change that oil, has long been a point of contention. Many drivers grew up being told that motor oil should be changed every 3,000 miles. However, that myth has been debunked for many of today's vehicles, which should come with suggested intervals between oil changes. According to Edmunds.com, in 2010 the average interval for oil changes was 7,800 miles. In addition to changing a car's motor oil less frequently, there are other things drivers should know about motor oil.

• Oil does not necessarily need to be changed before a long trip. Taking a trip? While it's good to have your car examined before embarking, if the recommended oil change interval is not up, then

you do not need to preemptively change your oil. Such a change is likely unnecessary and will not improve the performance of your vehicle during the trip.

• Black oil does not necessitate a change. Conventional wisdom once suggested if the oil on the dipstick is black then it needs to be changed. But nowadays automotive professionals are noting that black oil is doing its job and different additives might be changing the oil's color, which means the oil doesn't need to be changed.

• You can use petroleum-based oil after using synthetic. Another longstanding myth regarding motor oil was that once you use a synthetic motor oil instead of a petroleum-based oil you have to continue using synthetic oil, which is often more expensive than more traditional motor oil, in order to avoid harming the vehicle. However, automotive professionals have noted that these two types of oils are now often blended, meaning switch-

ing back and forth from one to the other is not likely to cause any damage to your vehicle. Just be sure to use motor oil that meets the standards set forth in your vehicle's owner's manual.

• Consider an earlier oil change after buying a new vehicle. Sometimes a

new vehicle will need an oil change after its first 3,000 miles. However, this does not mean your vehicle will need one every 3,000 miles. According to Blackstone Laboratories, who study motor oil, oil samples taken from engines during their initial 3,000

miles of driving had elevated metal levels from the camshafts and pistons. These elevated levels will not necessarily be harmful, but some auto manufacturers recommend a shorter initial interval just to be safe.

Honda, however, includes an anti-wear additive in

their break-in oil and advises against changing their oil early. Consult your owner's manual to determine if it's best to change your oil after the initial 3,000 miles or to let it go until the recommended interval.

FEEL HOW A GREATER SENSE OF STABILITY LEADS TO A GREATER SENSE OF EXHILARATION.

©2013 Bombardier Recreational Products Inc. (BRP). All rights reserved. ®, ™ and the BRP logo are trademarks of BRP or its affiliates. In the U.S.A., products are distributed by BRP US Inc. Offers valid in U.S.A. only from February 1, 2013 to April 30, 2013. The terms and conditions may vary from state to state and the promotion is subject to termination or change at any time without notice. oLOW MONTHLY PAYMENT OPTION: Eligible units are new and unused 2011, 2012 and 2013 Can-Am Spyder roadsters. On a purchase where the amount financed is $12,749, your down payment is $4,250 with 84 monthly payments of $198.07 each (excludes deliver charge, taxes and registration fees). Annual percentage rate is 7.9%. On a purchase where the amount financed is $15,999, your down payment is $4,100 with 84 monthly payments of $248.57 each (excludes deliver charge, taxes and registration fees). Annual percentage rate is 7.9%. On a purchase where the amount financed is $19,199, your down payment is $3,300 with 84 monthly payments of $298.28 each (excludes delivery charge, taxes and registration fees). Annual percentage rate is 7.9%. Offered by Sheffield Financial, a Division of BB&T Financial, FSB. Minimum amount financed: $1,500; maximum amount financed: $50,000. Subject to credit approval. Down payments may vary. Approval, and any rates and terms provided, are based on credit worthiness. Other financing offers available. Other conditions and some restrictions may apply. Financing promotion void where prohibited by law. BRP is not responsible for any errors, changes or actions related to the financing provided by Sheffield Financial. See an authorized BRP dealer for details. †Savings of $2000 on Spyder RT: Rebate applicable to new and unused 2011 and 2012 Can-Am Spyder RT models. †Savings of $1000 on Spyder RS: Rebate applicable to new and unused 2011 and 2012 Can-AM Spyder RS models. See an authorized BRP dealer for details. Some models depicted may include optional equipment. Always ride responsibly and safely. Always observe applicable local laws and regulations. Don’t drink and drive.

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Things to know about motor oil

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Car Care Council tips help save money Consumers’ pain at the pump is back with high gas prices. No need to worry, says the Car Care Council. A few simple and inexpensive vehicle maintenance tips can help alleviate the pain.

“You can’t control the price of gas, but you can control how much gas you burn by performing proper maintenance and how you drive. Performing simple and inexpen-

sive maintenance can save as much as $1,200 per year in gas costs,” said Rich White, executive director, Car Care Council.

The Car Care Council offers these gas-saving maintenance tips: • Keep your car properly tuned to improve gas mileage by an average of 4 percent.

• Keep tires properly inflated and improve gas

mileage by up to 3.3 percent.

• Replace dirty or clogged air filters and improve gas mileage by as much as 10 percent.

• Improve gas mileage by 1-2 percent by using the manufacturer’s recommended grade of motor oil.

Driving behavior also impacts fuel efficiency.

The council offers these gas saving driving tips:

• Observe the speed limit. Gas mileage decreases rapidly above 50 mph. Each 5 mph over 50 mph is like paying an additional $0.25 per gallon for gas, according to www.fueleconomy.gov.

• Avoid excessive idling.

Idling gets zero miles per gallon. Warming up the vehicle for one or two minutes is sufficient.

• Avoid quick starts and stops. Aggressive

driving can lower gas mileage by 33 percent on the highway and 5 percent in the city.

• Consolidate trips.

Several short trips taken from a cold start can use twice as much gas as one longer multi-purpose trip.

• Don’t haul unneeded items in the trunk. An extra 100 pounds in the trunk reduces fuel economy up to 2 percent.

The Car Care Council is the source of information for the “Be Car Care Aware” consumer education campaign promoting the benefits of regular vehicle care, maintenance and repair to consumers.

For a free copy of the council’s Car Care Guide or for more information, visit www.carcare.org.

Save gas by planning and combining trips Combining errands into one trip saves you time and money. Several short trips taken from a cold start can use twice as much fuel as a longer multipurpose trip covering the same distance when the engine is warm.

Trip planning ensures that traveling is done when the engine is warmed-up and efficient, and it can reduce the distance you travel.

Commuting Stagger your work hours to avoid peak rush

hours.

Drive your most fuel-efficient vehicle.

Consider telecommuting (working from home) if your employer permits it.

Take advantage of carpools and ride-share programs. You can cut your weekly fuel costs in half and save wear on your car if you take turns driving with other commuters. Many urban areas allow vehicles with multiple passengers to use High Occupancy Vehicle (HOV) lanes which

are typically less congested, further improving your fuel economy.

Consider using public transit if it is available and convenient for you.

The American Public Transit Transportation Association has links to information about public transportation in your state.

Traveling A roof rack or carrier provides additional cargo space and may allow you to meet your needs with a smaller car. However, a

loaded roof rack can decrease your fuel economy by 5 percent. Reduce aerodynamic drag and improve your fuel economy by placing items inside the trunk whenever possible.

Avoid carrying unneeded items, especially heavy ones. An extra 100 pounds in the trunk reduces a typical car’s fuel economy by 1-2 percent.

Source: www.fueleconomy.gov

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