Valley Pennysaver 6.1.13

June 1, 2013

Volumee 3 • Numberr 46

Let the heavens rejoice, let the earth be glad; let the sea resound, and all that is in it. Let the fields be jubilant, and everything in them; let all the trees of the forest sing for joy. ~ Psalm 96:11-12

Veteran Ron Seeley, with 3rd Vice Commander Charlie Weaver and greatgrandchildren Rebecca Trumble and Tristen Heitzman. See page 24.

Photo by Elizabeth A. Tomlin

Original Valley PENNYSAVER • June 1, 2013

Page 2 # GOLD#SILVER#COINS#

#

#

PAYING CASH J E W E L R Y

P Highest Prices Paid!

L A T I N U M #

R I N G S

COINS GOLD SILVER JEWELRY

#

DOUBLE EAGLE COINS

W A T C H E S

“WE DO M-F 9-5 PAY MORE!” SAT. 9-3 36 N. MAIN, G’VILLE # # 725-8255 # STERLING#DIAMONDS#

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 518-673-3011 Fort Plain True Value and Just Ask Rental 12 Willett St Fort Plain (518)993-3834 Does your car need a good cleaning? We have two great products on sale now to help you get started! Turtle Wax 100 oz liquid car wash and 16oz liquid car wax, just $4.99 each

ADVERTISERS

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

Also we always recommend insertion for at least 2 times for maximum benefits.

Our deadline is Thursday 12:00 Noon for the following Saturday’s paper.

518-673-3011 NEED WOOD? WE HAVE IT! Common, select, or clear pine, hardwood, mouldings, spruce, Douglas fir, pressure treated and plywood. Just what you need for your spring projects! Also WOOD PELLETS! C.H. Burkdorf & Son, 35 Hough St., St. Johnsville 518-568-7016

KIDS PUZZLE WINNERS please pick up your prize at our office within 2 weeks after winning.

Located at: 6113 State Hwy. 5 Palatine Bridge, NY BANNERS BANNERS B A N N E R S any size. Call Beth at Lee Publications 518-673-0101 or email bsnyder@leepub.com Please allow 7-10 working days to receive your banner after ordering. Free Shipping

Come Check Out The Hottest Little Shop In Town!

Fully Stocked with Awesome Accessories for Proms & Weddings

Fascinators • Hair Pins Necklaces • Bracelets Beads • Purses • Dresses LED Shirts for After Prom Parties & Lots More!

22 Church Street, Canajoharie

518-673-4322

$5.00 OFF $25.00 Coupon not valid on previous purchases. Coupon valid Sat. & Sun. Expires 6-8-13

OPEN Tues., Wed., Thurs. 10am-7pm Fri., Sat. 10am-8pm • Sun. 10am-6pm Closed Monday

Page 3

ONE WEEK ONLY - JUNE 1 - 7 • Quantities May Be Limited

Original Valley PENNYSAVER • June 1, 2013

ST. JOHNSVILLE 518-568-5689

NEW YORK STRIP STEAKS

Bone In Center Cut

PORK CHOPS

CHICKEN DRUMSTICKS & THIGHS 1893

SAUSAGE LINKS

PORK SPARE RIBS Wunderbar

BOLOGNA On The Vine TOMATOES

BROCCOLI CROWNS

California

NAVEL ORANGES Russet POTATOES Kraft SINGLES AMERICAN Whole Seedless WATERMELONS

7 $ 99 1 $ 29 1 $ 99 1 $ 59 2 $ 99 1 $ 79 1 $ 69 1 4/$ 00 2 2/$ 00 5 2/$ 00 4 $ 99 3 $ 99 Lb.

Lb.

Lb.

Lb.

Lb.

Lb.

Lb.

Lb.

5 Lb.

12 oz.

Each

Original Valley PENNYSAVER • June 1, 2013

Page 4

Why Buy Local?

Support yourself Published weekly on Saturday by Lee Publications 6113 St. Hwy. 5, Palatine Bridge, NY 13428

Publisher, President

Frederick W. Lee V.P., General Manager

Bruce Button V.P., Production

Mark W. Lee Circulation Manager... ....Tony Keba Classified Ad Manager.......Peggy Patrei Comptroller........Robert Moyer Managing Editor......Joan Kark-Wren Page Composition.......Deborah Countryman Production Coordinator........Jessica Mackay Shop Foreman...........Harry Delong

Ad Sales John Snyder, Sales Manager 518-673-0129, jsnyder@leepub.com Mark Fowler, Sales Associate 518-673-0116, mfowler@leepub.com Kristen Lee, Sales Associate 518-673-0100, klee@leepub.com Mary Skinner, Sales Associate 518-673-0130, mskinner@leepub.com Jed Suits, Sales Associate 518-673-0131, jsuits@leepub.com Reader ads 518-673-3011 or 800-218-5586 Bruce Button-Corporate Sales Manager 518-673-3011, bbutton@leepub.com Accounting/Billing-Alyce Moyer 518-673-0149, amoyer@leepub.com Commercial Printing-Beth Snyder 518-673-0101, bsnyder@leepub.com Delivery concerns-Tony Keba Send all correspondence to: PO Box 121, Palatine Bridge, NY 13428 Advertising e-mail: jsnyder@leepub.com Editorial e-mail: jkarkwren@leepub.com Web site: www.vpennysaver.com 518-673-3011 Phone • 518-673-2381 Fax

We cannot GUARANTEE the return of photographs.

Publisher not responsible for typographical errors.

Size, style of type and locations of advertisements are left to the discretion of the publisher. The opinions expressed in this publication are not necessarily those of the publisher. We will not knowingly accept or publish advertising which is fraudulent or misleading in nature. The publisher reserves the sole right to edit, revise or reject any and all advertising with or without cause being assigned which in his judgement is unwholesome or contrary to the interest of this publication. We assume no financial responsibility for typographical errors in advertisement, but if at fault, will reprint that portion of the ad in which the error appears.

When you buy from an independent, locally owned business, significantly more of your money is used to make purchases from other local businesses, service providers and farms -- continuing to strengthen the economic base of the community.

Create more good jobs Small local businesses are the largest employer nationally and in our community, provide the most jobs to residents.

Get better service Local businesses often hire people with a better understanding of the products they are selling and take more time to get to know customers.

Invest in community Local businesses are owned by people who live in this community, are less likely to leave, and are more invested in the community’s future.

Put your taxes to good use Local businesses in town centers require comparatively little infrastructure investment and make more efficient use of public services.

The Original Valley Pennysaver is delivered to 100 percent of the homes in the following towns: Ames Brooksman Corners Buel Canajoharie Ephratah Fort Plain Freysbush Hallsville Hessville Lasselville

Marshville Nelliston Oppenheim Palatine Bridge Randall Salt Springville Sprakers Sprout Brook St. Johnsville Starkville Find The Original Valley Pennysaver in strategic locations in:

Amsterdam Charleston Cherry Valley Dolgeville E. Springfield Fonda Fultonville Gloversville Herkimer Ilion Johnstown

Little Falls Mohawk Richfield Springs Salisbury Sammonsville Sharon Springs Springfield Center Stratford Tribes Hill Vails Mills

Page 5

Original Valley PENNYSAVER • June 1, 2013 Public Auction, Saturday, June 15th, Carlisle Rd., Canajoharie, NY. Landscape Equipment, Pellet Stove Piping, Tractors, Cars, Trailers, Tools, Log Dining Room Furniture, Bedroom Furniture, Windows, Doors, and much more by Auction day!!

ATTENTION: Will also be accepting other Consignments for this Auction including Farm Machinery, Landscape Equipment, Tractors, Trailers, Lawn mowers, and more!! Watch ads for more details, JR’S Auction 518-993-4668 Over 20 Dealers Now Set Up In Our Antique Center at JR’S, 56 Willett Street, Fort Plain, NY. We are selling Furniture, Collectables, Military, Antiques, Jewelry, Paintings, Knives, Crafts, Postcards, Crocks, Vintage, Glassware and more, Showcase Space for rent to sell your high dollar Jewelry or Coins!!

Call JR at 518-993-4668

10 Acre Public Real Estate Auction, Thursday, June 6th, 6:00pm, 556 Sanders Rd., Fort Plain, NY 13339. 10 Acres with 14x70 3 Bedroom Mobile Home, Living Room, Kitchen, 12x32 Addition, Open Porch, 165’ Well and 1 hand Dug Well, Small Pond, 330’ Road Frontage, Excellent Views. All this is located on a nice quite country road in the beautiful Mohawk Valley!! Auction

by JR’S Auction 518993-4668 FOR SALE BY OWNER: Family-ready country home. 3 bedrooms, 2 fulls baths, living room, kitchen, multi-purpose dining / sunroom, pantry.

2 car garage, utility shed on acre. Above-ground pool, spa, decking. Appliances stay. Everything upgraded last 3 years.

Asking $134,500. By appointment only. 8 am6 pm. Leave message 518-762-4730

Mrs. M.

LLC

LANDSCAPING & SNOWPLOWING COMMERCIAL • RESIDENTIAL

“Family owned & operated for over 30 years” Owner - Patty Mabie

SPRING LAWN CLEAN UP Landscaping • Complete Custom Landscaping & Design • Lawn Mowing - Weekly & Bi-Weekly • Trimming • Shrub & Tree Pruning • Screened Top Soil • Retaining Walls • Stone Products (Crusher Run, Sand, Colored Stone) •Tree & Shrub Installation • Brush Hogging • Lawn Seeding ACCEPTING • Excavation • Planting NEW • Decorative Mulch (variety of colors) CUSTOMERS • Edging • Fall and Spring Clean ups FOR 2013 SEASON

CALL BRIAN FOR FREE ESTIMATES

518-598-9116 Free Estimates - Fully Insured 1100 Carlisle Road, Canajoharie, NY

®

YOUR COMPLETE STOCK SERVICE WE HANDLE COWS & HORSES Dead*Disabled*Down

WE PAY CASH! for all types of, Silver Gold & Diamond jewelry.

Gold Is At An All-Time High

PLEASE CALL PROMPTLY (518) 993-2171 Fort Plain 1-800-811-0054 7-DAY SERVICE

William Doerrer & Son Jewelers 16 Canal Street, Fort Plain

(518) 993-3388

SUMMER SALE IN PROGRESS Build Your New Deck Now

Pressure Treated

LATTICE PANELS 4’x8’ $8.99 4’x8’ Heavy Duty $

15.39

PRIVACY LATTICE PANELS 4’x8’ Sheet $23.95

Pressure Treated LUMBER • Preservative chemicals forced deep into the wood cells.

• Permanently protected against rot and termites.

• Maintenance free - no need to paint or stain unless you want to.

• Weathers to a beautiful driftwood gray.

VINYL LATTICE PRIVACY PANELS White 4’x8’ Sheet $34.38 2x2 - 36” Sq. Ballasters $1.05 (In 8’, 10’, 12’, 14’, 16’ Lengths) 8’ Handrail $9.95 2”x4” #1 4”x4” DECK & PORCH 2”x6” #1 4”x6” STAIR STRINGERS 3 Step . . . .$10.68 4 Step . . . .$11.50 5 Step . . . .$13.25

ALSO AVAILABLE: Fasteners, Stains & Water Repellents

2”x8” #1

6”x6”

2”x10” #1

5/4x6 #1 decking

2”x12’ #1

Please Call For Current Prices

C.H. Burkdorf & Son “Quality Building Materials”

35 Hough St., St. Johnsville • 518-568-7016 • www.burkdorf.com

Page 6

Original Valley PENNYSAVER • June 1, 2013

June 1, 2013 Hello Again, Con Artists sure come in all shapes and sizes. I was watching television a few minutes ago and a big name store had this commercial running. “The more you buy the more you’ll save.” Before I was a teenager I figured out the only way I could save was to not buy. What would I have left to save after I spent it?

Standing near George Washington’s home in Virginia during the spring of 1953. A girl classmate said, “George Washington, standing near his house, threw a silver dollar across the Potomac River. The river at that point must be nearly a half-mile wide. Isn’t that some sort of proof that money went further in those days?”

Chatting about money it seems reasonable that we should give our president credit for handling money. He is certainly better at it than presidential candidate Mr. Romney.

During Mr. Obama’s years in Washington he has already helped spend several trillion dollars.

While Mr. Romney was only able to make a few hundred millions of dollars, and keep it.

Just think if Mr. Romney bought into that philosophy and spent all of his millions. By now he could go over-seas and buy China, Japan or Taiwan. If he owned China we – his fellow Americans – would owe him several trillions instead of becoming president he could own this country.

Do you think that our president has bought into the local department store’s philosophy “The more you spend – The more you’ll save”?

It would appear that we are very quickly spending ourselves into a room at the poor house.

On the other hand if our Washington leaders could buy China and Japan and connect both of them to the North American continent, think of all the money we could save. Then we Americans would be able to claim to be the world master at money making by spending more than we have so we could save even more. It would appear to some that Mrs. Pelosi must have composed that line just before her famous announcement, “We are going to pass Mr. Obama’s health bill. Then we will figure out what it says.”

Long before baseball Cooperstown, NY was a birthplace of fame. James Fenimore Cooper, considered one of America’s first romantic novelist, lived most of his lifetime in Cooperstown, which was established by his father William Cooper.

Contrary to those who would have our so called ‘modern society’ believe that early America was not a Christian believing nation, Judge William Cooper and his famous son were both Christians. James Fenimore was a lifetime member of the Episcopal Church in Cooperstown. And, during his later years he was a generous supporter and contributor.

His world famous historical novels known as The Leatherstocking Tales were considered family treasures and read worldwide.

When Cooper was 13 years old he enrolled at Yale and was expelled in his junior year for

Original Valley PENNYSAVER • June 1, 2013

Page 7

blowing up a fellow students’ door. I have often wondered if James Fenimore Cooper had stayed at Yale and graduated what would the remainder of his life have been? Lawyer, doctor, or just a landowner. With expulsion from Yale, he entered the Navy and eventually turned to writing fictional historical novels and became world famous. I’m sure you will find some of his novels in your local library.

Cooperstown’s claim to fame hangs not only on the name of James Fenimore Cooper and his Leatherstocking Tales but must be shared with Abner Doubleday and the history of the great American sport – baseball.

While accepted by most as a Cooperstown native and inventor of baseball, Abner Doubleday lived as a youth in Auburn, NY and moved to Cooperstown to live with an uncle and attend a private preparatory high school. In 1838, he entered the United States Military Academy and eventually became a two star major general.

Let’s toss in a bit of humor. During the 1950’s, I worked as a high school student at the National Baseball Hall of Fame and museum. During those years, Ernest John Lanigan, the author of the first encyclopedia of baseball, was the museum-library historian.

One day I asked, “Mr. Lanigan, was Cooperstown the real birthplace of baseball?” He answered, “Why not? It is just as good here as anywhere else.”

While in the eyes of most baseball fans, Abner Doubleday is believed to be the inventor of baseball, to Civil War buffs he is known as the military officer who shot the first cannon shot in defense of Fort Sumter which started the Civil War. Just think - on his gravestone we could letter: First in baseball and first in saving our nation.

Shortly after Paddy arrived from Ireland, he was arrested and brought before the judge.

The judge with a surprised look asked, “Are you the defendant?” “No,” said Paddy. “I hired a lawyer to do my defending. I’m the one who stole the chickens.”

While I enjoy chatting with you, I am looking out of the front window and I see the little red Spyder beckoning to me. You guessed it right; the Spyder is winning – so until next Hello Again, God be with you.

I’ll leave you with something to ponder and chat about. If so many of our founding fathers and mothers believed and practiced the truth in the Bible (God’s word) and the few colonies with such a tiny population grew into the great United States, a leader in the world, why has it become so popular to treat God – our Heavenly Father – as if he doesn’t exist and/or that his words in the Bible are not worth the time to study?

I pray that he will not reach a decision to treat our country and people in the same way.

Remember tomorrow will be the first day of the rest of your life.

Make it count. Be happy and treat your neighbor as your closest friend. If you’re looking for something to do Sunday, try visiting a Bible-believing church.

Fred Lee and Family

Original Valley PENNYSAVER • June 1, 2013

Page 8

CHARLES D. STAHL

SPLIT T HARDWOOD

“SPECIAL TRUCKLOAD SALE” Seasoned Approx. 5 Face Cords Delivered - $375.00 SEASONED SPLIT MIXED HARDWOOD $225 Full Cord

OUTSIDE FURNACE TRUCKLOAD SPECIAL - approx. 12 Face Cord Chunked Mixed Hardwood $700 Delivered within 25 mi. radius.

HEAP ACCEPTED

315-823-1982

PROVOST BROS. INC

“The Water People Since 1912” • Celebrating Our 100th Year

WELL DRILLING

4th Generation Family Owned & Operated New York State D.E.C. Certified

518-868-2126

GOULDS & STA-RITE Pumps - Service Sales & Service Rt. 20, Sloansville

ENEA FAMILY FUNERAL HOME Formerly the Smith-Woody Funeral Home

Still Serving the Community at Our Original Location, Our Only Location 9 Centerr Street,, St. Johnsville New York, 13452

JOHN P. LEWANDOWSKI HARRY AND KEVIN ENEA Owners and Funeral Directors

Celebrating “40” Years of Musical Memories Spring Concert

Sun., June 2, 2013 • 3:00PM

697 Snells Bush Rd., Little Falls, NY 13365

FREE ESTIMATES

The Valley Choralaires

Manager / Licensed Funeral Director St. Johnsville Resident

PRE-NEED ARRANGEMENTS, CREMATIONS, VETERAN’S SERVICES, MONUMENTS & HEADSTONES

518-568-2300 www.eneafamily.com

St. John’s - St. Mark’s Lutheran Church Church St., Canajoharie

Free Will Offering - Refreshments Indoor Archery Range: $5 per hour, 6th visit FREE. New Bows are Lifetime Warranty, Made in USA. We also have Youth bows, Used bows, Crossbows, and Full Service Archery Shop, at The Sportsman’s Den, 36 Canal St, Fort Plain 518-993-1010.

Reasonable rates, plenty of space. Lessons, loaner bows, group rates, parties. LIVE BAIT, TACKLE, ARCHERY, AMMUNITION, PET, SPORTS, etc.

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. Free Shipping

Made in USA. Lifetime Warranty.

Layaway Available!

BOWS/ Crossbows! Come see them at The Sportsman’s Den, 36 Canal St, Ft Plain, 518-993-1010. We also have Youth bows, Used bows, an Indoor Archery Range AND Full Service Archery Shop.

Lessons, loaner bows, group rates, parties.

LIVE BAIT, TACKLE, ARCHERY, AMMUNITION, PET, SPORTS, etc.

52 Acre Public Real Estate Auction, Thursday, June 27th, 6:00pm, Mapletown Rd., Canajoharie, NY. 500’ Road Frontage, Create your own Horse Farm, Produce Farm, Dairy Farm or your Dream Retirement Home, quiet country road, great views of the Mohawk Valley!!

Contact JR’S Auction for more details 518-9934668 BIG TOP TENTS: Renting Tents, Tables, Chairs.

Call 518-568-7393

Original Valley PENNYSAVER • June 1, 2013

SPRAKERS MULTI FAMILY GARAGE SALE, rain or shine.

799 State Highway 162, Sprakers. Variety of household items, yard equipment, tools, linens, glass, collectibles, something for everyone. 8 am - 4 pm, Friday & Saturday, June 14 & 15

MIDDLEVILLE ESTATE SALE: 39 Herkimer Street, Middleville.

June 7,8,9, 9-5. Huge 60 year collection.

Antiques, sewing machines, furniture, clothing, household items. A wide variety of items. Everything Must Go!

FORT PLAIN HUGE GARAGE SALE JUNE 6-7-8 Rain or Shine, Indoors. Cameras, household, linens, many tools, chain saw, sporting goods, antiques. Too many items to list. Something for everyone! 55 Willett St., Fort Plain, NY. Thurs.Fri. 8-4, Sat. 8-12.

LASSELLSVILLE YARD SALE: Western Fulton County Seniors, Leona B. Trumbull Center, Route 29, Lassellsville, NY. Saturday, June 8, 10am-4pm. Rain Date June 9. Sell from your car trunk or truck bed! $10.00. Refreshments/Lunch Offered!

Bake sale, 50-50 raffle. To reserve your space or for info call Rose 518-526-8453 or Barb 518993-3579

Page 9

SPRAKERS 1260 CARLISLE ROAD, Sprakers, Friday, Saturday, June 7-8, 9am-5pm. Antiques, furniture, books, household. Too much to list. Rain or Shine.

FONDA HUGE GARAGE SALE: Saturday, June 1st, Friday June 7th & Saturday June 8th, 8am-5pm.

Household items, farm/shop tools & parts, garden tools & supplies. Too much to list. Conbeer’s Farm, 1807 Hickory Hill Rd., Fonda

PALATINE BRIDGE HUGE MULTI FAMILY GARAGE SALE: 499 Dillenbeck Rd., Palatine Bridge. June 6,7,8, 8-4.

Tools, men’s, women’s, children’s clothing, toys, bikes, household, furniture. From old stuff to new items, treasures for everyone! Don’t miss it!

Rain or Shine.

LITTLE FALLS MOVING SALE: REDUCED PRICES FOR FINAL SALE - DON’T MISS OUT! 279 Loomis Street, Little Falls, Fri., June 7th, 10am-6pm, Sat., June 8th, 9am-6pm. Still some heirloom pieces left. Quality furniture, Persian carpets & collectibles. Make an offer. (by Donna-Treasure Estate Pickers).

Original Valley PENNYSAVER • June 1, 2013

Page 10

Fort Plain True Value and Just Ask Rental 12 Willett St., Ft. Plain, NY 13339

518-993-3834

Hrs: M-F - 7:30 am-6 pm; Sat - 7:30 am-4 pm Sun - 9 am-1 pm Find the right products for your project and expert advice at True Value.

Page 11

Original Valley PENNYSAVER • June 1, 2013 407 Murray Hill Rd. St. Johnsville (518) 762-2202 Cell (518) 852-4772

Mike Heroth Water Treatment

Water Analysis - Treatment Sales & Service - 30 Years Experience Specializing in Non-Chemical Automatic Systems STAINS caused by algae, mold, mildew, moss & lichen? Use SPRAY & FORGET with no rinsing needed. Even works on gravestones!

Try it an you will be amazed by how it really works! C.H. Burkdorf & Son, 35 Hough St., St. Johnsville 518-568-7016

MAGNETIC SIGNS

for trucks and cars.

Call Beth at Lee Publications 518-673-0101 bsnyder@leepub.com Free Shipping

Consignment Auction Every Tuesday Night, 6:00pm at JR’S Auction, 56 Willett Street, Fort plain, NY 13339. 518993-4668 Good Quality Items Wanted!! If You Have Tools or Other Items You Want To Turn Into Cash Give Us A Call!!

FOR SALE: 1986 GMC Rollback, good condition, excellent tires, $4,500. Call Wayne 518568-5459 or 518-4416178

MOHAWK VALLEY EYECARE Dr. Carol A. Balfe, O.D. 70 Erie Blvd., Canajoharie, NY 13317 Hours: Mon-Fri 8:30am-5:00pm

Accepting most insurances including: Medicare, VBA, CDPHP, MVP, BCBS of U/W and Davis Vision - Including CSEA & Fidelis Same Day Service on Some Prescriptions Fast Turnaround on Most Others

CALL: 518-673-2015

25% Off Labor

NEW W YORK K BRAKEE & MUFFLER Brakess • Rotorss • Shocks Frontt Endd Work NO O WAITING G FOR R YOUR R REPAIRS! wee pick k up p yourr vehicle,, leave a loanerr forr you u to o usee and deliverr yourr serviced d vehicle.

Openn 7 Dayss a Week Calll (518)) 775-3326 25% Off Labor

Benefit

Saturday June 1st 2013 12:00 pm - ?

HC Smith Benefit Club ~ St. Johnsville

Please help us replenish our local Great uction food pantries Homestyle Fo Live A od 0

Raffles

• 50/5

Bake Sale & M ore

Bring a non perishable item to the benefit and you will be entered into a basket raffle!

Lunch 12 to 4 Hot Dogs ~ Sausage Hamburgers Dinner at 5pm BBQ Chicken ~ Potatoes Coleslaw ~ Dinner Rolls Donation: Adults $15 12 and under are FREE To donate or for tickets call Deb Darrow 518-568-2514 or Melinda Shaut 315-823-2359

Original Valley PENNYSAVER • June 1, 2013

Page 12

Sunnycrest Orchards

Large Selection of Vegetable Plants, Berry Bushes, Fruit Trees Beautiful Hanging Baskets and More.

Everything You Need To Get Your Garden Growing!

Pansies are in Bloom • SEEDS • ONION SETS • SOILS • MULCH 7869 State Route 10 Sharon Springs, NY 518-284-2256 Open 9-5 Daily

RKP Sporting Goods Full Season Sporting Goods Store Kayaks • Fishing Gear • Camping Footwear • Guns • Animal Feed - Ask about our Frequent Feed Buyer Program

www.rkpsportinggoods.com (315) 868-5815 2830 State Rt. 29, Dolgeville, NY 13329 SHEETROCK: ½x4x8, 10, 12 and 14’. Also ½x4x8” moisture resistant and 5/8x8, 10 & 12’ Fire Code. Joint compound, tape, drywall screws and primer available to complete the job.

C.H. Burkdorf & Son, 35 Hough St., St. Johnsville 518-568-7016 Larson Storm Doors. 32” & 36” x80” white in stock at $137.85. C.H. Burkdorf & Son, 35 Hough St., St. Johnsville 518568-7016

YOUR HOME TOO COLD or TOO COLD? Insulating your home with fiberglass insulation is the way to go. Kraft faced and unfaced insulation is available at C.H. Burkdorf & Son, 35 Hough St., St. Johnsville.

518-568-7016 Call if you want to do an On Site Auction at your location. We do Auctions!! JR’S Auction, 56 Willett Street, Fort Plain, NY 518-993-4668 or Tim 518-332-5157

CHERRY VALLEY & ROSEBOOM

Scrap p Day

Drop off at Old School (cafe/post office side)

June 15 • 9AM-Noon ITEMS: • Washers • Lawn Mowers • Dryers • Bikes • Hot Water Heaters • Any Metal • Freezers • Air Conditioners

Will pick up within 5 mile radius.

Call Jackie at 518-312-5872 Call Carl at 607-437-6395

Money proceeds will go to the Cherry Valley Community Facility Corp.

2006 YAMAHA Road Star Midnight Silverado, 1700cc, hard bags, windshield, Mustang custom seat w/back rests, 22k, black. $7,900/OBO. Road Ready!

518-568-7309

Page 13

Original Valley PENNYSAVER • June 1, 2013

BENEFIT for

Lisa Shunk Kadur Life Long Resident of the Canajoharie Area

MARINE FUEL additive Ethanal Treatment and Performance Improver: One 32 oz. bottle treats 320 gallons to prevent corrosion from moisture.

Available at C.H. Burkdorf & Son, 35 Hough St., St. Johnsville 518568-7016

4 Door glass front cooler with compressor, in brand new condition, 1 year old, works great, $4,800.00 leasing options available. 518993-4668

WINDOW GLASS: We carry & cut single strength glass and window glazing. C.H. Burkdorf & Son, 35 Hough St., St. Johnsville 518568-7016

$

1 Off Admission With This Ad

Fort Plain True Value and Just Ask Rental 12 Willett St Fort Plain (518)993-3834 Check out our circular for great Father’s Day gift ideas like, a Redneck Party Cup for $6.99 or a 1 gallon shop vac for just $19.99.

www.NEACA.com

NEW EASTCOAST ARMS COLLECTORS ASSOCIATES Presents Their

ARMS FAIR

Promoting the Collecting of Firearms & Militaria Since 1982

& Sportsman’s Exposition

Antique & Modern Firearms, Knives & Swords, Dealers In Books, Ammo, Military Collectibles, Sporting Antiques & Americana plus more

June 8 & 9 th

June 15, 2013

th

Canajoharie Moose 2-6 PM

Saturday 9am to 5pm Sunday 9am to 3pm Admission $8.00 • Seniors over 60 $7.00 under 13 - free with an adult NEACA Members FREE

UTICA MEMORIAL AUDITORIUM

400 ORISKANY ST. WEST, UTICA, NY

BUY Y • SELL L • TRADE

THE PUBLIC IS URGED TO PARTICIPATE

BRING ITEMS TO SELL OR TRADE WITH EXHIBITORS APPRAISALS AVAILABLE

1 Off Admission With This Ad

Alll Purchasess off Modern n Firearmss mustt go through h an n FBI,, NICSS Background d Check

$

DIRECTIONS: NYS THRUWAY I-90 TO EXIT 31 TO GENESEE STREET SOUTH - AFTER 1ST TRAFFIC LIGHT, EXIT RIGHT ONTO WHITESBORO ST., AUDITORIUM IS 6 BLOCKS ON LEFT - PARKING FREE 315-738-0164

Lisa has been confined to a wheelchair since July 2012 due to an infection throughout her body. The infection has caused many other medical issues.

She has spent many days in and out of the hospital and has had several surgeries. Lisa needs more medical care to be able to walk again. The high cost of copays has been overwhelming. Lisa has a long road ahead of her for recovery. In the past 10 years she has endured many medical problems. She survived colon cancer (and is now cancer free), she was injured in a car accident, she has had open heart surgery, and she has been a diabetic her whole life. She never complains, is a true fighter and has never asked for help. We ask you to join hands with us, her friends and family, to help Lisa through this difficult time.

www.NEACA.com 518-664-9743 VP

Music with Whodunit 50-50 Raffle Chinese Auction Food And More $10 per ticket If you would like to make a donation or for more information, please contact Jeanette Hayner at 518-423-2817 Any and all donations are greatly appreciated

Page 14

Original Valley PENNYSAVER • June 1, 2013

SPRING HUNTING! Decoys, Blinds, Ammunition, etc. The Sportsman’s Den, 36 Canal St, Ft Plain, 518-993-1010.

LIVE BAIT, TACKLE, ARCHERY, AMMUNITION, PET, SPORTS, etc.

If you are thinking or trying to sell your Home or Farm give us a call!! We can sell your property for you and turn it into Cash!! Call JR’S Auction 518-993-4668 for more details!! We do all the work for you.

FABRAL roofing & siding panels with 30 year warranty against fading and chalking. Can be ordered cut to length and many colors to choose from.

C.H. Burkdorf & Son, 35 Hough St., St. Johnsville.

518-568-7016 WILL PLAY FREE FOR YOUR BENEFIT. Mike Heroth Live & DJ Service, Country, Rock, 60s to current. Available only for benefits and charities at no charge. 518-7622202 or 518-852-4772 FOR SALE: 35 gallon and 55 gallon salt water aquariums. Both complete with stand, undergravel filters, pumps and live rock. Call 518-8445343 or email jandrews428@gmail.com SPRUCE UP YOUR HOME WITH a quality insulated steel exterior door unit, many styles to choose from. C.H. Burkdorf & Son, 35 Hough St., St. Johnsville 518568-7016

PROTECT AND BEAUTIFY YOUR HOME with solid vinyl siding D/4 & D/5, available in white or many colors. C.H. Burkdorf & Son, 35 Hough St., St. Johnsville. 518568-7016 PREFINISHED HARDWOOD FLOORING in 2¼”, 3”, 4” & 5” widths, many colors available with Lifetime Finish Warranty. C.H. Burkdorf & Son, 35 Hough St., St. Johnsville 518-568-7016 HUSQVARNA Lawn Mowers On Sale! Full line of mowers, trimmers & chain saws in stock.

Randall Implements Company, Rt. 5S, Fultonville, NY. 518-8534500 PHOTO ENLARGEMENTS 8x10 - $2.00 • 11x17 - $5.00 • 12x18 or 13x19 - $7.00. Come see us at Lee Publications, 6113 State Rt. 5, Palatine Bridge, NY 13428 518-673-3237 Fort Plain True Value and Just Ask Rental 12 Willett St Fort Plain (518)993-3834 We just got in a new assortment of GooseBerry Patch Cookbooks!

2006 CHRYSLER Sebring Touring, silver, 72k, V-6, auto, AC, CD, full power. SALE: $8,995.

John C. Miller, Inc. 518762-7124 2005 CHEVY Malibu Maxx For Sale, 104k, good condition, well maintained, $4,500. 518673-2061

Page 15

Original Valley PENNYSAVER • June 1, 2013 THOUGHT FOR THE WEEK: “Lets Attend Church This Sunday”.

You and your family are welcome at Grandview Baptist Church, corner of Lydius & Washington St., Ft. Plain, NY. Sunday School 10am. Morning Worship 11am.

NEED WATER? Topping off pools, landscaping ponds, etc. 518-9932496, 518-332-4254

Fort Plain True Value and Just Ask Rental 12 Willett St Fort Plain (518)993-3834 UNADVERTISED SPECIAL! Energizer 8pk AA and AAA are $5.99 & 4pk C and D, and 2pk. 9V batteries are $6.99. While supplies last!

PIGLETS FOR SALE Fort Plain ~ $7500 ~ 518844-9219

DAMIN FARM

Home Raised BEEF

MAPLE SYRUP DUNCRAVEN MILK 5 Kinds of SAUERKRAUT

Jams - Jellies - Popcorn

Day Old Chicks:

Broilers, Layers, Turkeys

NEPPA Hatchery Jill & Ken Gies 660 Fordsbush Road Ft. Plain, NY 13339 email: giespasture@frontiernet.net

SNAP Benefit Cards Accepted

2 Miles West of St. Johnsville

518-568-2643

www.NEPPAHatchery.net Write or call for prices & availability

518-568-5322

THE NORTHEAST ANTIQUE POWER ASSOCIATION Branch 101 of The Early Day Gas Engine & Tractor Association, Inc st

21 Annual

TRACTOR & ANTIQUE POWER SHOW June 14th - 15 th - 16 th, 2013 Primitive Camping!

All Exhibitors Welcome!

At Sunnycrest Orchards, Sharon Springs, NY

Fathers Day Breakfast Run, Sunday 7am Sharp

FEATURING

Crank up your old tractor for a 10 mi. ride then return to the show grounds for a Pancake Breakfast!!!

100 YEARS OF PROGRESS Exhibitors & Traders - Have parts & memorabilia for sale? All are welcome to buy, sell or trade!

ALL THREE DAYS • Road Building with Antique Construction Equipment • • Antique Tractors Working in the Field • Plowing, Disking, Threshing & Stationary Press Baling •

FRIDAY, JUNE 14TH

SATURDAY, JUNE 15TH

SUNDAY, JUNE 16TH

Stone Boat Pull - 2pm Working Field Day

Transfer Sled Pull Antique, Farm Stock, & Super Farm 3500 to 15,500 Classes

Transfer Sled Pull Antique, Farm Stock, & Super Farm 3500 to 15,500 Classes

Come for an Hour or Stay All Weekend General Admission - $2.00 Donation

Food Vendors!

Remember to stop by Headquarters and grab a few raffle tickets for the chance to win some great prizes!!!

General Information

Vendor Information

Accommodations Within 10 mi of Show

James MacFadden (518) 284-2090/ info@macfaddens.com John Adams (518) 231-4346 Joe Quill (518) 424-7540/robbienjoe@aol.com

Milt Schilde (518) 284-2256/ mschilde@juno.com

Best Western (518) 234-4321 Super 8 (518) 234-4888 KC’s Motel (607) 264-9392 Ask about special ShowOffe rs!!!

Tractorr Pulll Information

Cyrus Conard (518) 369-3389

Location: St. Rt. 10, 2 mi. N. of Sharon Springs, NY and 8 mi. S. of NYS Thwy exit 29. (Appr. 45 mi. W. of Albany)

Page 16

Original Valley PENNYSAVER • June 1, 2013

Don’t worry if you make a mistake! You can print another at www.vpennysaver.com!

See Page 20 for the Answers to All of These Puzzles

Page 17

Original Valley PENNYSAVER • June 1, 2013

YOUR IDEAS TURNED INTO CAKE 54 West Main St., Little Falls, NY 13365 315-823-CAKE (2253) www.hannahscakes.com

Watch For Our Opening, Early June Tues.-Thurs. 11am-9pm Fri. & Sat. 11am-9:30pm Sun. & Mon. Closed

Hannah Perry Owner/Designer Hannahssignaturecakes@yahoo.com

BLACK & WHITE COPIES only 15¢ each. Lee Publications.

6113 State Hwy. 5, Palatine Bridge, NY 13428. Open MondayFriday 8 am - 5 pm.

518-673-0101 or bsnyder@leepub.com TIMBERTECH Engineered Composite decking gives you a no rotting, no warping, no splitting and no sweat deck.

Many colors available.

C.H. Burkdorf & Son, 35 Hough St., St. Johnsville 518-568-7016 HUSQVARNA Lawn Mowers On Sale! Full line of mowers, trimmers & chain saws in stock.

Randall Implements Company, Rt. 5S, Fultonville, NY. 518-8534500 2007 CHEVY Impala LT, red, 78k, V-6, auto, full power, SALE: $10,995.

John C. Miller, Inc. 5 1 8 - 7 6 2 - 7 1 2 4 www.johncmiller.com MUSICAL EQUIPMENT: Drums, guitars, amps, accessories. 27 West Main St., Little Falls, NY 315-823-1500 Fort Plain True Value and Just Ask Rental 12 Willett St Fort Plain (518)993-3834 We are now carrying 3.8 cu. ft. bags of peat moss, 1 cu. ft. bags of Miracle Gro Garden Soil, decorative stones and play sand. Stop in to see what else we’ve got to help you get that landscaping done!

2 Acre Public Real Estate Auction and House Contents, Saturday, June 15th, 10:00am. 1100 Carlisle Rd., Canajoharie, NY (Call for details and showing). Auction starts at 10:00am with Tools and Furniture, Real Estate sells at 12:00 noon!! 2 Acres, 3 Bedroom Home, with attached 2 Car garage and a 40x70 pole barn, Fireplace, Beautiful Country Kitchen with Granite Countertop Sink, Modern Appliances, 2 Baths Whirlpool Tub, Hardwood Floors, Central Air, Mature Landscape, Covered Deck, and more! See our full page ad for more details.

Call 518-993-4668 ask for JR Fort Plain True Value and Just Ask Rental 12 Willett St Fort Plain (518)993-3834 June is Home Safety Month, to help you make sure your home is safe and sound we have some great deals on fire extinguishers, and motion activated outdoor lights.

10’ Deli case, glass front, with compressor, works great, 518-993-4669

We want to hear from you!

Send your comments & suggestions to the Original Valley Pennysaver PO Box 121, Palatine Bridge, NY 13428 OR email jsnyder@leepub.com

Mill Road Mercantile

Antique Reproduction Furniture & Rustic & Primitive Decor

Stop in and ask how to get FREE Furniture

F

HANNAH’S SIGNATURE CAKES

Homemade Maple Syrup Available Friday - Sunday 10 am - 4 pm 1565 Mill Road, St. Johnsville, NY 13452

518-568-3251

It’s A Girl . . .

Bella Ann Rose Born May 26th 7 lbs. ~ 21 1/2” long Congratulations Bob & Amanda Rose

Original Valley PENNYSAVER • June 1, 2013

Page 18

CONGRATULATIONS Abigail Countryman

on your first turkey!

What a hunter!

REPAINT, RENEW, REBATE with Pittsburgh Paint. $3.00 mail-in rebate available on interior, exterior paint and stains starting now thru July 7! C.H. Burkdorf & Son, Inc. 35 Hough St., St. Johnsville 518-5687016

Fort Plain True Value and Just Ask Rental 12 Willett St Fort Plain (518)993-3834 We are now carrying pet supplies, from collars and leashes to treats, toys, and flea control, get Frontline Flea Control for just $39.99.

CENTRAL BOILER EClassic OUTDOOR FURNACES. Cleaner and Greener. 97% Efficient. EPA Qualified.

Call North Creek Heat 315-866-3698

Fort Plain True Value and Just Ask Rental 12 Willett St Fort Plain (518)993-3834 We have BBQ grills on special now, starting at just $119.00

Whatchamacallits This is a shoemaker’s lasting tool, made to grip each end of the leather as it is stretched around the skeleton of a boot.

There are several types of such tools. This one is known as the Caliper type.

This was a specialty tool, used for boots with particularly stout leather and not every ordinary shoe. It was used on sea boots, sewer boots and some military-style boots.

The leather was held at the bottom of the boot, below the sole. Where other lasting tools have only one set of pincers, this type was able to simultaneously grip the leather on both sides of the boot.

Caliper lasting tools were especially handy if the shoemaker did not leave much excess leather and had only a limited edge left to grip. The

narrow joints of this lasting tool make it a handy option for getting between the edge of the leather and the skeleton of the boot.

The earliest recording for this lasting tool is dated 1890 and appears to have French origins.

~~~ Have your own Whatchamacallit? Send picture and description to eenger@leepub. com.

Visit our Facebook page each week to see if you can figure out what the upcoming Whatchamacallit is!

Page 19

Original Valley PENNYSAVER • June 1, 2013 Country View Discount Groceries is Now Open!

Large selection is back, including Cereals, Soaps, Soups, Snacks, and more!! 56 Willett Street, Fort Plain, NY. Stop In and check out the prices!!!!

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.

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 USED TIRE SALE: Huge Inventory, mounting & balancing FREE. No appointment necessary!

Save money call Auto World, 534 North Perry Street, Johnstown 12095 518-762-7555 COMMON PINE: Excellent for trim boards; Also 1”x6” tongue & groove and 1”x12” rough cut.

C.H. Burkdorf & Son, 35 Hough St., St. Johnsville.

518-568-7016 INSULATION: All Types.

New/ Existing Buildings.

Free Estimates. Fully Insured. Call Upstate Spray Foam Insulation 315-822-5238. www.upstatesprayfoam.com REWARD: For 500 Forman Honda stolen from my yard, Town of Oppenheim. Reward for information. 518-568-7672 PLASTMO GUTTERS are durable and easy to install for the DIY. Available in white or brown.

C.H. Burkdorf & Son, 35 Hough St., St. Johnsville, 518-5687016.

NOW CARRYING Adirondack Bill’s Pickles.

Peruzzi’s Meat Market, 69 Church Street, Canajoharie. 518-673-3382

2008 GMC Acadia SLT, AWD, 42k, V-6, moonroof, rear DVD, leather, Loaded!!

SALE: $23,995. John C. Miller, Inc. 518-762-7124 www.johncmiller.com

95 SUZUKI RM250 dirt bike, $800; 95 Yamaha 180 dirt bike, $500; 87 Suzuki 250 Quad Runner, $400. BO on all.

315-866-9131,315-8677035

HELP WANTED: Looking for someone to help with general contracting.

Must have license and vehicle. Call 518-9934613

Fort Plain True Value and Just Ask Rental 12 Willett St Fort Plain (518)993-3834 UNADVERTISED SPECIAL!!

Pet Expert 50lb adult dog food for just $16.99 FOR SALE: 1948 Ford 8N tractor with plow and a t t a c h m e n t s , $3,000/OBO. Call 607264-3680 FURNISHED ROOMS FOR RENT: Walking distance to downtown Canajoharie. Community kitchen, TV room, washer/dryer, off street parking, on-site management, newly renovated building, $85.00 per week. Chris 518-227-7697 VIEW POINT VINYL REPLACEMENT WINDOWS are durable, low maintenance and ENERGY STAR APPROVED with lifetime warranty against glass breakage.

C.H. Burkdorf & Son, 35 Hough St., St. Johnsville 518-568-7016

Storage Sheds 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

Original Valley PENNYSAVER • June 1, 2013

Page 20

McGREGOR’S STOVES and

Hampton

Route 30 - Mayfield - Phone 661-5914 STOVES & FIREPLACES • Wood, Gas & Pellet • Fireplaces & Inserts • Chimney Repairs and Liners • Tools and Accessories • Chimney Cleaning & Installations • Glass Doors Serving You For Over 28 Years www.customwoodcraftco.com

HAVING A PARTY?

Gun Shop - Loren Horender, Owner 738 Creek Rd., Little Falls ~ 868-4831 Open Saturdays 9-5 or by Appointment

YES, We have .22 ammo in stock!

Like us on Facebook (Bare Arms) for Steals & Deals

Answers to this week’s puzzles

Did you know the Canajoharie Volunteer Fire Department rents the kitchen and banquet room. For your convenience we now have an elevator. 518673-3812 Fort Plain True Value and Just Ask Rental 12 Willett St Fort Plain (518)993-3834 Green Thumb ant and roach spray, wasp and hornet spray and flying insect spray are on sale now for just $1.99 PHOTO CALENDARS now available right here at Lee Publications.

6113 State Hwy. 5, Palatine Bridge, NY 518-6733237. Choose up to 24 photos. Only $12.00 for digital photos and $15.00 if we scan them.

2010 MERCURY Milan Premier, blue, 23k, 4cyl., auto, leather, full power.

Great on gas!! SALE: $ 1 7 , 9 9 5 .

John C. Miller, Inc. 5 1 8 - 7 6 2 - 7 1 2 4 www.johncmiller.com Fort Plain True Value and Just Ask Rental 12 Willett St Fort Plain (518)993-3834 We now have pool floats, tubes, and wacky noodles along with our pool chemicals.

MASSEY FERGUSON 65 tractor/ backhoe with front end loader and extra rims, $4,000 or best offer. Dan 518-7060249

Major Credit Cards Financing Available

FENCING • Wood Fence, Post & Rail • PVC Vinyl • Aluminum Ornamental • Chain Link & All Vinyl • Retaining Wall & Decks • Outdoor Furniture

Need a new car? Get 0% financing at Sampson Motor Car where everyone is approved! 261 East Main Street Amsterdam. 518-848-7359 FROZEN Blueberries and Strawberries in bulk.

Peruzzi’s Meat Market, 69 Church Street, Canajoharie. 518-673-3382 Fort Plain True Value and Just Ask Rental 12 Willett St Fort Plain (518)993-3834 Warm weather got you down?

Our fans and air conditioners have arrived. Get a 5,000 BTU air conditioner for $99.99 or a 20” wind machine for $27.99 2007 HARLEY DAVIDSON 1200 XL Custom Vance & Hines Pipes, Vance & Hines Fuel Pak, Stage 1 EFI Kit, Black, 8,500 Miles, $7,500.

Excellent Condition!

518-378-3279

Fort Plain True Value and Just Ask Rental 12 Willett St Fort Plain (518)993-3834 Looking for some backyard fun, try a yard game! Stop in and see which ones we have to offer.

2006 SUBARU Baha Sport, silver, 52k, 4cyl., auto, moonroof, leather trim, full power, all wheel drive. SALE: $15,995.

John C. Miller, Inc. 518762-7124 2009 CHRYSLER PT Cruiser, black, 46k, 4cyl., auto, full power. SALE: $9,495. John C. Miller Inc. 518-762-7124 www.johncmiller.com

Page 21

Original Valley PENNYSAVER • June 1, 2013 APARTMENT For Rent: St. Johnsville, 2 bedroom upper, $500 per month includes parking, appliances, heat. 518568-7708 8 FOOT TABLES & folding chairs for rent.

Canajoharie Volunteer Fire Department 518673-3812 ROOF & FLOOR TRUSSES: Fabricated for residential, commercial or agricultural construction. Call for a free quote. C.H. Burkdorf & Son, 35 Hough St., St. Johnsville 518-568-7016

2005 POWER WASHER, gas, 1500PSI, $50.00; Bolens gas weedeater, 25cc (BL160), $20.00.

315-866-2508 FOR SALE: 1929 Model A Ford, 2 door sedan, looks good, runs great, $10,900. Call 518-9932597 HORSEBACK RIDING Lessons. Beginner thru advanced. Near Amsterdam. 518-842-3722 or 518-423-3365 WE HAVE! Timberwolf log splitters. Call for pricing + models available.

North Creek Auto 315866-3698

VENDORS WANTED: For outdoor flea market and indoor craft market at Amish Country Commons. 518-993-3311

Having problems with your well or pump? Call The Water People Provost Brothers! 518868-2126

FAX SERVICE

HOG CASINGS by the hank $26.95, Peruzzi’s Meat Market, 69 Church Street, Canajoharie.

518-673-3382

available at Lee Publications. 25¢ a page.

6113 State Hwy. 5, Palatine Bridge, NY 13428. Open MondayFriday 8am-5pm.

518-673-0101 or bsnyder@leepub.com Antique Center has a large selection of items, Antiques, Collectibles, Furniture, Jewelry, Fishing Tackle, and much more!! At JR’S, 56 Willett Street, Fort Plain, NY 13339. 518-993-4668 Stop in and browse!!

MONTGOMERY COUNTY: Town of Glen, 8½ acres, approved building site, $29,900. Financing.

518-725-6585 email to markcare1995@gmail.com for aerial photo, terms & directions.

FOR RENT IN ST. JOHNSVILLE: 1BR apt. wall-to-wall & appliances included, $400+. 2BR, wall-to-wall, appliances, $525+. 518-887-5520 or 518-866-6827 PRESSURE TREATED LUMBER & PLYWOOD available at C.H. Burkdorf & Son, 35 Hough St., St. Johnsville 518568-7016

20x30 TENT with four sides for rent. Canajoharie Volunteer Fire Department 518-6733812 Tents, Tables, Chairs: Now Renting! Great Graduation Prices! Big Top Tents 518-568-7393

RESTORE & PRESERVE the natural look of your deck with Wolman Restoration System available in Clear or UV resistant Cedar and Redwood Toners, guaranteed to bead water for two years. C.H. Burkdorf & Son, 35 Hough St., St. Johnsville 518-568-7016

Fort Plain True Value and Just Ask Rental 12 Willett St Fort Plain (518)993-3834 We have a large selection of outdoor furniture assembled and ready to go, and at great SALE prices too! Make your summer a comfortable one!

The Family of Keith Edward McCann would like to express their deepest appreciation to family, friends and neighbors for their acts of kindness, comfort and support during this horrific time of Keith’s accident.

A special thank you to the Canajoharie Volunteer Fire Department for all their assistance and preparation of food. Also to the crew of the Mid-County Ambulance Department, the Ames Fire Department and the Ames-Sprout Brook Methodist Church.

Everything was greatly appreciated.

We thank you for all the many prayers, visits, food and cards from all our friends in this very special farming community.

An extra special thank you to Debbi Kennedy Monk and our many neighbors and special friends for all their food preparations.

LOOKING to get that project done? Reliable Handyman. Reasonable rates. Call Kevin 518993-3219

Christopher and Tara McCann and Family Richard and Carol Chapman Jr. and Family Leona Smith and Family

ETAL M K C A D ADIRONSALES

Cover your worn out shingles with a long lasting metal roof!

1. Secure 1x4 or 2x4 purlins, on top of shingles, into roof rafters.

2. Install Gutter Apron on top of purlins along the eaves.

3. EL II Panel.

4. Apply Gable Flashing to finish roof rake.

5. Installation Available.

No nee to rem d o shingle ve s!

315-429-3627 302 Bacon Brook Rd., Dolgeville, NY 13329

Page 22

Original Valley PENNYSAVER • June 1, 2013

ROXUL INSULATION: The better insulation for an energy efficient, quiet & safe home. Fire resistant, water repellent and made from stone. For more information, call C.H. Burkdorf & Son, 35 Hough St., St. Johnsville.

518-568-7016

NEED A NEW ROOF? We carry GAF/ELK 30 yr warranty premium roofing architectural laminated shingles. 6 colors in stock but 14 colors are available. Call for prices.

C.H. Burkdorf & Son, 35 Hough St., St. Johnsville 518-568-7016

WANT to buy Call Ducks 518-993-4493

(518) 673-3011 ~ To Place Your Ad

DOG and CAT owners, we carry it here locally!

California Natural Herring and Sweet Potato, Taste of the Wild (GRAIN FREE): available in Wild Boar, Salmon, Bison&Venison, and Lamb, Diamond Naturals, EVO, Country Value Pet Foods, and more! L’Avian Parrot food, 17in MONSTER Beef Bones, treats, collars, leashes, Shampoos, Sprays, etc… at The Sportsman’s Den, 36 Canal St, Ft Plain, 518-993-1010.

LIVE BAIT, TACKLE, ARCHERY, AMMUNITION, PET, SPORTS, etc.

DOBBIES ARE IN!!!

LEECHES ARE IN!!

CRAYFISH ARE IN!!

FISHING TIME! Poles, lures, nets, tackle, accessories. As always, LIVE Bait is still here.

Dobbies, Leeches, Crayfish, Crawlers, Salted Minnows, Shiners, fatheads, etc… The Sportsman’s Den, 36 Canal St, Ft Plain, 518993-1010. LIVE BAIT, TACKLE, ARCHERY, AMMUNITION, PET, SPORTS, etc.

2010 CHRYSLER 300 Touring, dk. gray, 55k, V6, auto, leather. SALE: $15,495 John C. Miller, Inc. 518-762-7124 www.johncmiller.com

COLOR GLOSSY PHOTO CALENDARS. only $12.00 includes tax. Send us your digital prints and we will make a beautiful keepsake calendar for you.

You may also bring in your photos on a disc or thumb drive. If you would like us to mail it is a $5.00 extra fee.

Only 3 day turnaround time. Beth Snyder bsnyder@leepub.com Lee Publications 518673-0101 .75 Acre Public Real Estate Auction, Saturday, June 8th, Main Street, Fonda, NY. 1 Acre, 2 Story 2 Family Brick Home, Full Basement, Enclosed Porch, and 2 Bay Garage or Shop, Excellent, Clean Condition and Move in Ready. Will also be Selling the Estate and the House and Garage Contents, JR’S Auction 518993-4668 watch ads for more details!!

TOO MUCH WATER? We can supply you with perf. & solid drainage pipe 4”x100’, 4”x250’, and 6”x100’.

Also smoothwall pipe in 4”x10’ lengths. Fittings for both available. Also Schedule 40 in 2”, 3” & 4”x10’ pipe & fittings.

C.H. Burkdorf & Son, 35 Hough Street, St. Johnsville, 518-5687016.

Antique Coin and Jewelry Consignment Auction, Tuesday, June 4th, 6:00pm. JR’S Auction, 56 Willett Street, Fort Plain, NY 518-993-4668.

If you have Antiques, Jewelry, Coins, or Collectables bring them down for this Auction and we will turn them into Cash for you!! Lots of Items will be sold over the Auction block!!

JUST ARRIVED: Protect your driveway with LATEX-ITE Premium Plus Driveway Sealer.

C.H. Burkdorf & Son, 35 Hough St., St. Johnsville 518-568-7016

Page 23

Original Valley PENNYSAVER • June 1, 2013

Choralaires to perform This will be a special time for the Choralaires as this spring marks 40 years that the Choralaires have been presenting concerts in the local valley towns. Now numbering 30 members, the original group of 13 members was directed by Norman Stoddard. Since that time other directors have included Diane Wager, Sue-Ann Wheadon, and now Alison Wallace. Over the years they have been accompanied by Sandy Stoddard, Mary King, Lucille VanSlyke, Marion Settle, Norma Bowley, and, for the last 24 years, Janet Shuster.

The concert, entitled “Forty Years of Musical Memories”, will be a selection of the group’s favorite music from the past four decades. Past directors, accompanists and members are urged to attend so they can be acknowledged for their contributions to the group.

There will be Choralaires memorabilia on display,

The Valley Choralaires pause for a photo as they prepare for their Forty Years of Musical Memories concert. Seated from the left are Dorothy Morrison, Alice McEwan, Marion Harris, and Mary Finch. Standing in the next row are Diane Littrell, Nancy Mace, Susan Bradt, Karen Crouse, Carolyn Crouch, Kathleen Schlotzhauer, Cheryl Brown, Ginny McCarthy, Liz Wilson, Kelly Casler, Mary Lou Corso, and Rayna Oeser. Standing in the back are: Judy Ferguson, Kathy LaCoppola, Jessica Harris, Alison Wallace (director), Carol Schilde, Elinor Douglass, Janet Kling, Judy Sinner, and Janet Shuster (accompanist). Absent from the photo are: Anne Cooper, Eunice Bollen, Joanne Resch, Grace Downes, and Linda Klump.

admission is free, but a free will offering will be gratefully accepted.

The ladies of the St.John’s-St.Mark’s

church will provide free refreshments after the concert.

Concert will be at the St. John’s-St.

Mark’s Lutheran Church on Church St., Canajoharie, on Sunday, June 2, at 3 p.m.

Happy birthday Mildred M i l d r e d Voss, born May 28, 1913, daughter of Earl and Grace Bellman, celebrated her 100th birthday Saturday, May 25 at Wells House in Johnstown, where she resides with her husband, Paul. A party

was given in her honor, by her daughter, Karen.

Many friends helped her celebrate her very special milestone birthday.

Mildred was born and grew up with her mom and dad and two sisters, Ruth and Mable on their family farm in Buel, NY. Later she was employed by Beech Nut, where she met Paul. They were wed

on Aug. 26, 1938.

Mildred happily became a homemaker, wife and mother at their new home in Canajoharie, NY. Mildred continues to enjoy reading, playing games and reminiscing. Photo albums provide a rich source of material for the recollections, reflections and stories she shares with family, friends and all who stop by to visit.

Original Valley PENNYSAVER • June 1, 2013

Page 24

Veteran Ron Seeley receives recognition from Morris J. Edwards American Legion Post 168

Seeley’s family members attended the presentation event. From left, back: Shawn Christensen, Shawn Seeley, friend Billy Hoyt, Charlie Weaver, Ron Seeley, Sherry Christensen, Veronica Trumble, and Shannon Heitzman. Front: Rebbecca Trumble, Sam Johnson, Isabella Johnson and Tristen Heitzman.

by Elizabeth A. Tomlin

United States Navy veteran Ron Seeley of St. Johnsville received a plaque commemorating 50 years of continuous, dedicated service to the Morris J. Edwards American Legion Post 168.

Seeley has been in service to the Post since 1963.

According to his son, Shawn Seeley, Ron served in the United States Navy from September 1952 until November 1955. He served as a ‘boatsman mate’ on the USS Pecatonica during the Korean War. His gasoline tanker stopped in ports that include Gibraltar, Sicily, Italy, Malta, Cyprus, Turkey and France.

Ron was presented with the plaque by the Post’s 3rd Vice Commander Alan ‘Charlie’ Weaver, correlating with Memorial Day. “He is like so many others

who answered the call of duty when it came,” said Weaver of Seeley.

Seeley was also honored as Grand Marshall of St.

Johnsville’s 2013 Memorial Day Parade. His great-grandchildren carried the honorary banner throughout the parade.

3rd Vice Commander Charlie Weaver presents Veteran Ron Seeley with an honorary plaque.

Photos by Elizabeth A. Tomlin

Page 25

Original Valley PENNYSAVER • June 1, 2013

Culinary Artisan’s Event Planning and Catering Deborah Sobieski

STOP

PUBLIC AUCTION

STOP

Proceeds to Benefit Little Falls Amish School

Sat., June 8th @ 9AM

P.O. Box 162 Carlisle, New York 12031

Maple Ridge Bulk Food 444 Co Hwy 120 Dolgeville, NY 13329

1-607-437-9812 deborahsobieski@yahoo.com NEW EXTENDED HOURS! Tuesday Wednesday Friday 8am7pm. Thursday 8am5pm, Saturday 8-2, Sunday 10-2, Monday CLOSED. The Sportsman’s Den, 36 Canal St, Ft Plain, 518-993-1010.

LIVE BAIT, TACKLE, ARCHERY, AMMUNITION, PET, SPORTS, etc.

Homemade Soft Pretzels, Strawberry Shortcake, Chicken Noodle Soup, Homemade Chocolate Cookies and more are available at our Auction Food Stand!!

Every Tuesday Night at JR’S Auction, 56 Willett Street, Fort Plain, NY. It is well worth it to come to the Auctions!! 518-9934668

50 Lb. LARD for $62.50, Peruzzi’s Meat Market, 69 Church Street, Canajoharie. 518-673-3382

FOR SALE: 184x42 Tractor Tires, radial, 25%. $250 each. Call 518-857-9404

Crafts, Lawn Furniture, Quilts, DeWalt Cordless Tools, Building Materials, Farm Machinery, Tack ~ Consignments Wanted, No Junk ~ Let us know at least up to date of sale to have your consignments on the sale bill.

Amish Lunch Stand.

Auctioneer: Benuel Fisher

To have your items consigned call: (315) 985-5951 or (518) 568-5678

MEYERS LANDSCAPING & CONTRACTING INC. FULLY INSURED Contracting: • CONCRETE • SLABS • PATIOS • STAMPED CONCRETE • COLORED CONCRETE • FOUNDATIONS • SIDEWALKS • REPAIRS • PAVER BRICKS

Roofs: NEW or REPAIR • SHINGLE • RUBBER • TIN

Retaining Walls: • CONCRETE • BLOCKS • WALL STONE • FIELD STONE • RAILROAD TIES

518-673-2034 Wood: • ADDITIONS • DECKS • SHEDS • RENOVATIONS • GARAGES • STEPS

Blacktop: NEW or REPAIRS • DRIVEWAYS • PARKING LOTS • SEAL COAT • LINE STRIPING

Excavation: • SEPTIC SYSTEMS • DRAINAGE • TILE • WELLS & WATERLINES • NEW INSTALLATIONS • REPAIRS

24 HOUR SERVICE

Landscaping: • SCREENED TOP SOIL • STONE • CRUSHER RUN • SEEDING FERTILIZATION • BRUSH HOGGING • COLORED MULCH • NEW LAWNS & REPAIRS • TREE & STUMP REMOVAL (55’ bucket truck) • FENCING (wood, metal, vinyl)

Now Available Colored Mulch & Screened Topsoil

SPECIAL SENIOR CITIZEN DISCOUNT

Schedule NOW for Lawnmowing & Spring Clean-Up Call Today For An Estimate

Page 26

Original Valley PENNYSAVER • June 1, 2013

Original Valley PENNYSAVER • June 1, 2013

Page 27

GO GREEN WITH 96% GAS BURNERS

ASK US HOW WE CAN HELP • Air Conditioning / Central Air Anywhere • Plumbing Installation & Repair • Complete Kitchen & Bath Remodeling

Mattice & Sons Family Owned & Operated

518-441-0142

24 Hour Service & Free Estimates www.matticeandsonsheating.com

Page 28

Original Valley PENNYSAVER • June 1, 2013

DINING &entertainment Hungry Bearr Cafe

Brooks Chicken BBQ FUNDRAISERR FORR THE

Canajoharie Volunteer Fire Department Thursday, June 6th 2:30pm till sold out

(518) 568-2700 Tues., June 4th - Chicken & Biscuits, Dressing & Mashed - Turkey Club on a Grilled Hard Roll w/FF or Salad

Wed., June 5th - Oven Roasted Hot Turkey Sandwich w/Mashed or FF - Mushroom Swiss Burger, FF & Salad

Thurs., June 6th - Crispy or Grilled Chicken Wrap w/FF or Salad - Reuben w/FF or Salad

Fri., June 7th - Fresh Haddock, FF or Mashed & Salad - Fresh Haddock on a Roll

After 4:00 PM Roast Beef, Mashed or FF & Salad

Sat., June 8th - 2 Blueberry Pancakes w/choice of meat

Sun., June 9th

Half Chicken $6, Dinner $9

39 Mohawk St., Canajoharie

- Broccoli & Cheese Omelette w/HF HOMEMADE SOUPS AND PIES DAILY

Now Accepting Credit Cards

7304 State Hwy. 5, St. Johnsville, NY Tues.-Thurs. 6am-3pm; Fri. 6am-7pm; Sat. 7am-11:30am; Sun. 7am-11:30am; Closed Mon.

Page 29

Original Valley PENNYSAVER • June 1, 2013

DINING &entertainment Dine In Or Take Out 993-5306

Mon., June 3

rd

N Alll Youu Cann Eatt Pancakes 3-77 pm N Ham m Steakk w/Potatoo & Veg N Spanishh Ricee w/Veg

Tues., June 4th

N Swedishh Meatballss w/Veg N Roastt Beeff Meltt w/Fries

Wed., June 5th

Wrath of Grapes Fine Wine & Liquor 51 Hancock St. Fort Plain, NY • 518-993-2624

Redwood Creek Red Moscato $6.99 7500 ml / $11.99 Mag Midnight Moonshine $19.99 7500 ml Wellers Bourbon 12 yr. 90º $23.99 7500 ml

N ALL L YOU U CAN N EAT SPAGHETTI 3-77 PM N Buffaloo Chickenn Wrap w/Chips N Spaghettii w/Meatballs,, Hott Sausagee and/orr Tosss Salad

Thurs., June 6th

N Chicken-N-Biscuitss w/Veg N Pepperr Burgerr w/Fries

Fri., June 7th

N Freshh Haddockk Dinner,, (Friedd orr Baked)) w/Potatoo & Veg N Mac-N-Cheesee w/Veg N Manhattann Clam m Chowder

Sat., June 8th

N Friedd Scallopss w/Potatoo & Veg N Primee Ribb w/Potatoo & Vegg 3-77 pm

Sun., June 9th

N 3 Meatt Omelette w/Homefries Breakfastt Onlyy Closedd att 12:300 pm

Homemade Soups & Desserts Hours:: Mon.-Sat.. 7 AM-77 PM Sun.. 7 AM-12:300 PM

122 Hancockk St.,, Fortt Plain

2 CHEESE PIZZAS

$15.99

PLUS TAX & TOPPINGS

2 LARGE SUBS $10.99

PLUS TAX

CHEESE PIZZA & 24 WINGS $21.99

PLUS TAX & TOPPINGS

Also Available: W INGS , C OOKIES , W RAPS , S ALADS , ETC .

95 Main Street Fort Plain

518-993-3337

Original Valley PENNYSAVER • June 1, 2013

Page 30

REAL ESTATE

AUCTION

Fulton & Hamilton Co.

&

Tax Foreclosed Properties

Wed., June 19th at 11AM

Antiques & Auctions

Held at: Holiday Inn

Johnstown, New York For a FREE Brochure, visit our web site or call:

www.haroff.com (800) 292-7653

HAROFF

AUCTION & REALTY, Inc.

KING’S

ANOTHER TRACTOR TRAILER LOAD

MATTRESSES

FROM LEADING MATTRESS COMPANY CONSIGNED FOR AUCTION

Saturday, June 1ST • 8TH • 15TH at 6:33 PM Can be purchased in store from 9am-5pm Closed Sunday & Tuesday 689 Burrows Rd., West Winfield, NY • (315)

822-5221

WE ACCEPT CASH - CREDIT CARDS - DEBIT CARDS

PARTIAL HOUSEHOLD SALE 51 Grand St. (Rte 5), Palatine Bridge FRI., JUNE 7TH - 10AM-4 PM SAT., JUNE 8TH - 10AM-2PM

Mahogany sideboard, old church pew, trunk, file cabinets, nice old room size chinese wool rug, dehumidifier, new shop vac, upright freezer, old work table, collection of Storybook dolls, Waterford crystal, bric-brac, kitchen stuff & box lots.

All items priced to sell.

LOOKING FORWARD TO SEEING YOU ALL

FOLLOW THE HOT-PINK SIGNS Questions 518-752-6461

HOSKING SALES Weekly Sales Every Monday starting at 12:30 with Misc. & small animals, 1:00 Dairy. Call for more info and sale times. Our Volume is increasing weekly - join your neighbors & send your livestock this way!

Monday, May 27th sale - cull ave. .73 Top cow $.90, bulls/steers $.90 - $.98, bull calves top $1.32, heifer calves top $1.00.

Dairy milking age top $1700, bred heifers top $1250, open heifers top $650.

Monday, June 3rd - Monthly Fat Cow & Feeder Sale.

Monday, June 10th - Monthly Heifer Sale.

Monday, June 17th - Monthly Sheep, Lamb, Goat, Pig Sale.

Monday, June 24th - Normal Monday Sale.

Saturday, Oct. 19th - sale held in Richfield Springs, OHM Holstein Club - Sale Chairman Jason Pullis 315-794-6737. Call with your consignments.

LOOKING TO HAVE A FARM SALE OR JUST SELL A FEW GIVE US A CALL. ** Trucking Assistance - Call the Sale Barn or check out our trucker list on our Web-Site. Call to advertise in any of these sales it makes a difference.

Directions: Hosking Sales 6096 NYS Rt. 8, 30 miles South of Utica & 6 miles North of New Berlin, NY. www.hoskingsales.com Call today with your consignments.

Tom & Brenda Hosking 6096 NYS Rt. 8 New Berlin, NY 13411

607-699-3637 or 607-847-8800 cell: 607-972-1770 or 1771

Original Valley PENNYSAVER • June 1, 2013

Page 31

PUBLIC AUCTION

Valuable Real Estate & Farm Dispersal Friday, June 7, 2013 at 9:00 AM Location: Brookman’s Corner Road, Fort Plain, NY 13339

Directions: From Fort Plain, take 80 south to Brookman’s Corners Rd. Make left approx. 2 miles on left.

Operating dairy farm with 196 acres of quality well maintained and fertilized land.

2013 crops are being planted and will be sold to buyer of the farm. Farmland borders 3 roadways including Brookman’s Corner, Mill Lane, and Rt. 80.

BUILDINGS: 98 cow dairy barn. 3 bedroom, 1 bath, dining room, and kitchen farmhouse. 1 car garage, 40x36 pole barn, 30 stall heifer barn, 3 concrete silos, 1 Harvestore silo. Plenty of water with 2 wells and 1 pond.

Lots of Shop Tools and Misc.

TRACTORS: JD 4240 4WD, cab, nice condition; 986 International, nice condition; 856 Farmall w/duals, 9844 hrs, good condition; Fordson Dexta diesel tractor; Allied loader 795 fits 856 tractor TILLAGE: Glenco Soilsaver Series 3 chisel plow w/disc; Farmhand 12ft cultimulcher transport; International 12ft transport disc; White 388 4 bottom 2pt hitch plow; Bush Hog 19ft. transport disc; HAY EQUIP.: Case International sq. baler 8520 w/thrower, like new; NI 5209 discbine, nice condition; H&S 17’ 4 star tedder, nice condition; (2) Like new EZ Trail 8x18 rack wagons; (2) wooden rack wagons; 258 NH roll-a-bar rake; FORAGE EQUIP.: Dion silage blower, nice; John Deere 3940 chopper w/hay and corn head; NI 1016 forage wagon; MISC. EQUIP.: Jamesway bedding chopper w/Honda engine; Wic MDR-40 forage cart; Hammermill for high moisture corn; John Deere drill; John Deere 7000 4 row conservation corn planter; 5’ Kodiak brush hog; Farmco 24’ feeder wagon; Bobcat 553 w/1648 hrs; 3pt hitch auger; 3pt hitch back blade; rock bucket; (2) bale spears; Delaval PTO generator on trailer; barn fan; Parker grain bin wagon w/auger; H&S 235 manure spreader, approx. 5 years old; Gehl 1217 manure spreader, needs table chain; approx. 200 ton corn silage; high moisture corn in blue Harvestore; COWS: 41 milk cows; 10 bred heifers; 5 dry cows; 16 heifers over 1 yr. of age; 20 heifers under 1 yr.; No BST used; all cows and young stock will be vet checked. Full dairy catalogs are available with milk records, etc. Please call 518-568-2257 to request more info.

The farmland is some of the best in the Mohawk Valley region and is well known for quality corn crops.

AUCTIONEER’S NOTE: Oscar and Norma will be liquidating all farm machinery and complete dairy and plan to retire. They have a young quality dairy and lots of good quality machinery. All cows, heifers and calves will be vet checked prior to sale.

Order of Sale: 9:00 Smalls and Misc.; 10:00 Smaller Equip; 11:00 Real Estate if we have qualified buyers; 11:30 Farm Machinery followed by calves heifers and cows.

Real Estate Terms for financing are 10% day of sale, balance on or before 45 days. Buyers must pre-register and show proof of financing prior to day of sale and must be willing to pay the minimum bid asked by the seller.

1% Broker Participation Available.

Attorney: Gregory Dunn Licensed Real Estate Broker: Krutz Properties LLC. Laurie Weingart, 518-330-8608 Sale held for Oscar and Norma Fox Food Available Day Of Sale All Announcements Day of Sale Take Precedence Over Advertising

Original Valley PENNYSAVER • June 1, 2013

Page 32

Antiques & Auctions

&

Collecting

by Larry Cox Old tools Q: I have a garage of old tools that belonged to my granddad. Some are even to repair Model T automobiles. I have been told that vintage tools are collectible. — Steve, West Pueblo, CO A: One of the better references is the JR’S Sold It!

“Antique Trader Tools Price Guide” by Clarence Blanchard and published by Krause. Some of the values listed are a handsaw manufactured by Henry Disston & Sons, $1,210; a plow plane from 1884, $14,300; a plumb and level with wooden arch and lead

plumb bob, $440; early hatchet, $50; miniature brace, Dutch origin, $120; and a box of letter stamps, set of 27, A to Z plus &, $33.

As you can clearly see, tool chests have become treasure chests, especially if they are filled with older, desirable tools.

A good source to buy and sell older tools is Brown Auction Ser-

On Site Real Estate Auctions

JR’S Sold It!

Conducted by JR'S Auction • 518-993-4668

Public Real Estate Auction Thursday, June 6th, 6:00pm 556 Sanders Rd., Fort Plain, NY (Call for details and showing.)

10.4 Acres with 14' x 70' Mobile Home, with 12' x 32' Addition, 3 Bedrooms, Kitchen, Living Room, Open Porch, 130' Dug Well, Hand Dug Well, Small Pond, 330' Road Frontage!! This is an excellent starter home for a young family wanting to grow produce on this nice 10 tillable acres. Excellent opportunity for Owning your produce or horse farm, nice area to build your own High Tunnel Greenhouses to grow Raspberries or Vegetables, only 2 miles to the Produce Auction Barn! Located in Mohawk Valley!!

Terms of auction, 10% down payment of Auction price on day of sale balance on or before 45 days, 2% Buyer's Premium on Real Estate. All announcements on day of Auction take precedence over written material!!

Call for info 518-993-4668 or Tim @ 518-332-5157 Real Estate transaction by Lynn Russell of Valley View Realty 518-222-5064

Public Real Estate Auction Saturday, June 8th, 10:00am 73 Main Street Fonda, NY (Call for details and showing.)

Auction starts at 10:00am with Tools and Furniture, Real Estate sells at 12:00 noon!!

1 Acre, 2 Family Brick House, Complete Estate, Household Contents, Outbuildings!! Shed, Basement and outbuilding are full of tools and collectables that will be sold over the Auction block, will be an all day Auction!! Another Great Auction with Furniture, Antique and Collectable Items!!

Terms of auction, 10% down payment on day of sale balance on or before 45 days, All announcements on day of Auction take precedence over written material!!

2% Buyer's Premium on Real Estate. 10% Buyer's Premium on other items.

Call for info 518-993-4668 or Tim @ 518-332-5157 Real Estate transaction by Lynn Russell of Valley View Realty 518-222-5064 For a full list of Auctions go to auctionzip.com ID # 29324

vices, 27 Fickett Road, Pownal ME 04069.

Q: I have a partial set of Sakura china in the Laredo pattern.

Although I originally had a complete service for 12, I have managed to break several plates, cups and saucers during the past 20 or so years. I really like this pattern and would like to replace my missing pieces. Can you help me? — Terry, Bluffton, SC A: Your pattern was discontinued during the late 1990s.

Replacements, Inc. is the go-to source for missing pieces of sterling flatware, china and crystal. I checked the company’s website and found several pieces, including a cup and saucer for $9.99; a 9-inch vegetable bowl, $79.95; and a dinner plate, $23.99. The toll-free number is 800-7375223.

Q: I have an opportunity to buy a recording by Caruso, “Chanson de Noel,” issued

by Victor on its red seal label. I can buy it for $50. Deal or not?

— Carl, Ramona, CA. A: Your record was cut just before Christmas of 1916 and is valued in the $5 to $15 range, depending on condition.

Most Caruso recordings are not as rare as many people have been led to believe.

The ones to look for are his Zonophone recordings, which can sell for upward of $1,000 each, depending on selection and, again, condition. My advice is to pass on the “deal.” (c) 2013 King Features Synd., Inc.

Original Valley PENNYSAVER • June 1, 2013 JR’S Sold It!

JR’s s Auctions

56 Willett St., Fort Plain, NY 13339 (518)) 9 93-4668

Public Consignment Auction

Page 33 JR’S Sold It!

Tuesday Night!! June 4th • 6:00 PM

Coins, Jewelry, Consignments, Tools, Antique Furniture, Collectables, and Much More!!

Don't Miss Our Auctions a great place to spend the evening and sometimes get bargains!!

10 Acre Public Real Estate Auction Thursday, June 6th • 6:00pm 556 Sanders Rd Fort Plain, NY (See other ads for more details)

.75 Acre Public Real Estate Auction Saturday, June 8th • 10:00am 73 Main Street, Fonda, NY (See other ads for more details) 1 Acre, 2 Family Brick House, Complete Estate, Household Contents, Outbuildings!!

Public Real Estate Auction Sat. June 15th • 10:00am 1100 Carlisle Rd., Canajoharie, NY 13317 2 Acres 3 Bedroom Home with attached 2 Car garage and a 40 x 70 pole barn, Fireplace, Beautiful Country Kitchen with Granite Countertop Sink, Modern Appliances, 2 Baths Whirlpool Tub, Hardwood Floors, Central Air, Mature Landscape, Covered Deck, This will make somebody a nice Home in Canajoharie School District!! Also will be selling: Landscape Equipment, Skid Steer Bucket, 3 Point Stone Rake, Wood Stoves, Pellet Stove Piping, Cars, Tractors, Windows, Doors, Dressers, Dining Room Furniture, Bedroom Furniture, Household, Planters, Plant Stands, Tea Cart, Dishes, Frames, Collectables, Silverware, Dishes, Pots and Pans and more!! Attention, we will be accepting other Consignments for this Auction!! Including Farm Equipment, Landscape Equipment, Lawn Mowers, Tractors, Trailers, and new or used tools!! Auction by JR'S Auction. 2% Real Estate Buyer's Premium and 10% Buyer's Premium on other items. Auction conducted for Patty Mabie.

Call JR @ 518-993-4668 or Tim @ 518-332-5157 for info. Auction will be held under tent and part of garage, Bring Your Chairs!! 3% added if paying with Credit Cards! Visa, Master & Discover Watch Auction Zip ID #29324

52 Acre Public Real Estate Auction!!

Thursday, June 27th • 6:00pm

On Site location: Mapletown Rd., Canajoharie, NY 13317 (Across from Becker Rd) 52 Acre Public Real Estate Auction, 500' Road Frontage, Build your own Horse Farm, Produce Farm, Dairy Farm or your Dream Retirement Home, Nice quiet country road, great views of the Mohawk Valley!!

Auction conducted for Robert & Jodi Cole. Contact JR for more details 518-993-4668 or Tim 518-332-5157 Terms of Sale: 10% Down Payment day of Auction, balance on or before 45 days. All announcements on day of Auction take precedence over written material!! 2% Buyer's Premium on Real Estate. 10% Buyer's premium on other items. Real Estate transaction by Lynn Russell of Valley View Realty 518-222-5064. For a full list of Auctions go to auctionzip.com ID #29324 3% added if paying with Credit Cards! Visa, Master & Discover.

Gun Auction Wednesday, June 26th • 6:00pm 15 Guns already consigned, Call if you have any items to sell!!

JR'S Auction 518-993-4668

We Do On Site Auctions!!

Complete Estates, Business Liquidations, Consignments, Real Estates and more!! Give Us A Call We Do It All!!

JR'S Auction 518-993-4668

Original Valley PENNYSAVER • June 1, 2013

Page 34

&

Antiques & Auctions

Amish Auction

Sat., June 8, 2013 10:00 AM 109 Saltsman Rd., off ST HWY 67, St. Johnsville, NY SELLING: Case DC tractor on steel wheels, cultipacker, drags, hay rake, bobsled, 2 seat wagon, 550 bu. ear corn, barn tools, shop tools, jointer, table saw, radial arm saw, acetylene torches, water pump, piston pumps, shop stove, 8 horse motor, anvil, band saw, air compressor, steel wheels, hay carrier, cross cut saws, post maul, hop bar, fuel tank, hickory rockers, high chairs, cribs, dressers, bureau, old misc., sewing machine, oil lamps, compound bow, old gas stove, porch swinger and more.

Refreshments Available TERMS: cash or good check

Armitstead d Auctions 518-993-2290

Value of antiques, artwork, or collectibles Antiques, artwork, and other collectible items have such an individual nature that a fixed value is difficult to establish. Market trends and the personal interests of both the seller and the purchaser determine prices.

The Smithsonian Institution provides a list of appraisal resources to help you determine the monetary value of your collectibles.

Contact the Smithsonian Insti-tution For more information, contact the

Smithsonian Institution by phone at: Phone: 202-6331000 TTY: 1-202-6335285 Need More Information? Try These Additional Resources: • Frequently Asked Questions about Artifact Appraisals • Stamp Collecting • Introduction to Coin Collecting The short link for this FAQ is http://1.usa.gov/oXu 2Mw Source: usa.gov

answers.

Collecting

by Larry Cox Majolica Frogs Q: I recently inherited a set of Majolica figurines. Although they are rather hideous, I suspect they might be valuable. According to the documents I have, they were made by Jerome Massier and are his “Singing Frogs.” — Betty, Westminster, CO A: You are going to croak with joy when I tell you that your figurines are valued at $1,200 in Warman’s Majolica Identification and Price Guide

by Mark F. Moran.

According to Moran, the Massier family began producing ceramics in Vallauris, France, during the mid-18th century.

Q: I have a painting by Emmanuel P. Matthews entitled “Picnic on the Pond.” I was told several years ago by a representative of a major auction house that it could be worth as much as $10,000, but I would have to bring it to New York for a real appraisal. What is your advice?

— Samantha, Streator, IL A: If you plan to sell your painting, the first thing you need to do is get an appraisal by a certified expert. This expert isn’t a neighbor or someone who claims to know a little about artwork. To find an appraiser, I suggest you contact one

of the associations, namely The American Society of Appraisers, P.O. Box 17265, Washington, DC 20005; The International Society of Appraisers, 1131 SW 7th St., Suite 105, Renton, WA 98055; or The Appraisers Associa-tion of America, 386 Park Ave. South, No. 2000, New York, NY 10016.

Experts generally provide two types of appraisals, verbal and written.

Written appraisals are especially recommended for insurance purposes. After you have gotten an appraisal, then the time has come to contact some of the larger auction houses.

The main thing is to do your homework and rely on experts who are competent and knowledgeable about artwork.

Q: I have a creamer and sugar set that I believe is at least 100 years old. I am enclosing pictures of the set, which is marked “Germany.” Can you help me find out more about it? — Sue, Montevideo, MN A: Judging by the pictures you sent, I believe your set was made during the 1920s. Similar sets in my area sell in the $25 to $45 range, depending, of course, on condition. (c) 2013 King Features Synd., Inc.

Page 35

Original Valley PENNYSAVER • June 1, 2013

HOMETOWN DIRECTORY BANKING

AUTO CARE

10 NYS Inspection & 10% Off All Service $

00

BUILDINGS

CLEANING SERVICE

HANDMADE FURNITURE

INSURANCE

INSURANCE

2437 State Rt 7 • PO Box 670 Cobleskill, NY 12043 518-234-2558 • 518-234-4430 Fax mortonbuildings.com Edward Updyke SALES CONSULTANT INSULATION

Spray Foam

Insulation $ave on Your Heating and Cooling Bills & $ave Energy

Terina Lancaster Account Executive

Call 518-284-2040

113 SARATOGA RD, GLENVILLE, NY 12302 (518) 384-1100 EXT. 1560 E-Mail:tlancaster@marshallsterling.com

Contractor’s Millwork, Inc. Est. 1986

I grow my business through referrals FAX: (518) 384-0193 from satisfied customers like you. CELL: (480) 980-0387

Owners/Operators: Alden and Steven Witham Sharon Springs, NY

INSURANCE

SEWER-DRAIN SERVICE

CLEAR-LINE SEWER & DRAIN SERVICE GENERAL PLUMBING HOT WATER HEATERS-GAS & ELECTRIC 18 Hawk Street, Gloversville, NY 12078 OFFICE: 518-921-4407 CELL: 518-844-3073

PHOTO BOOTHS

REAL ESTATE

To Advertise in the Hometown Directory Call Beth Snyder 518-673-0101

Original Valley PENNYSAVER • June 1, 2013

Page 36

St. Johnsville’s Annual Memorial Day Parade

More than 80 veterans of the United States armed forces took part in St. Johnsville’s 2013 Memorial Day Parade, which was organized by the Morris J. Edwards American Legion Post 168.

Photos by Elizabeth A. Tomlin

by Katie Ranno The town of St. Johnsville observed Memorial Day with their annual parade which cascaded down the town’s main street. Acting as Grand Marshall was Ron Seeley, a long time member of the town’s local American Legion, Post 168. Veterans in

uniform marched behind the St. Johnsville police car at the start of the parade, while local veterans of World War II were also recognized. Army combat vehicles followed with veterans riding in or driving the motorcade.

Spectators came out to enjoy the sunny day and

thank those who have so bravely served their country.

Retired St. Johnsville physical education teacher, Louis Micklic and his family get together every year to have a family barbecue and see their local vets be honored and go to the local cemetery to pay their respects.

St. Johnsville’s High School band performed in the parade and played the Star Spangled Banner at the Award winning Oppenheim-Ephratah School Memorial Day Ceremony at the Soldiers and Sailors Marching Hawks Band put on a an excellent exhibiMemorial Park. tion for the Memorial Day Parade attendees.

Original Valley PENNYSAVER • June 1, 2013

WWII and Korean War veterans were among the crowd that attended the annual Memorial Day Ceremony held at the monument in Soldiers and Sailors Memorial Park in St. Johnsville.

Some came out to support their local veterans and family members.

Jennifer Conklin and her family have been coming out to the parade for the past 20 years.

This year they came to support her brother, an army vet, who was marching in the parade. Louella Kazlauskas

of St. Johnsville came out to support her husband, a veteran of the Korean War, who was walking in Monday’s festivities as well.

Other’s came out to see their local firemen and police be honored for their courageous work. Life-long St. Johnsville resident Alice

Page 37 Jean says she likes to come out to the parade “to see the tremendous support for our firemen.” A line of fire trucks came down the way, with their shiny red paint glistening in the cool sun, along with vehicles from the local swim and dive team and the ambulance corp.

The parade was mostly about our local veterans and those who serve us everyday, and also very much about community. The little league team were all smiles as they waved to spectators. Both St. Johnsville and OppenheimEphratah marching bands and color guards gave crowdpleasing performances Many parade goers agreed that community is also a big reason for why they come out to the parade. St. Johnsville resident Judy Weaver agrees, saying that she enjoys seeing old friends and seeing the bands perform as well.

Ninety-four-year-old Gordy Davis wore his original Army uniform and was transported in an original WWII Army Jeep in the parade, driven by Sherman Day.

Page 38

Original Valley PENNYSAVER • June 1, 2013

Ayres Animal Shelter

133 Hilltop Rd., Sprakers • 518-673-5670 Hours: Tues-Sat 12-5 • Open Wed. Nites till 7PM • www.ayresanimalshelter.com

RYDER - 2 1/2-3 year old male St. Bernard/Pit Bull mix, 73 lbs. Found on East Fulton St. Ext., Johnstown on March 7th. Extremely friendly and huggable. A little strong on leash.

TYSON - 3 year old male Pit Bull, white and brown. Loves car rides, swimming and treats. When you say “bye bye” he runs to get his leash!

JORDAN - Adult female Pit Bull mix.

Found on River Road, Minden on April 21st. Knows “sit and shake”. Friendly and outgoing. Sweet disposition.

TUCK - Male Shepherd (and Akita?) mix. Found on Borden Road, Glen on ELLE - 2-3 year old female Pit Bull, 45 May 1st. Big smiley guy, very strong. lbs. She’s a sweetheart, and she loves her toys! OK with some dogs.

Best with older kids and adults.

MOLLY - 7 year old female Rottweiler/ Lab mix. Knows “sit, come, lie down” and is leash trained. Very lovable, likes to sing or howl!

SPENCER - 5 1/2 year old male Pit Bull, 55 lbs. He’s people friendly and loves to play with his toys.

BAILEY - 2 1/2 year old black and silver male Shih Tzu. Came to the shelter on May 22nd. Knows “come, stay” and is leash trained. Loves car rides and going for walks.

SAVE THE DATE Golf Tournament Saturday, July 20th

Page 39

Original Valley PENNYSAVER • June 1, 2013

Ayres Animal Shelter

133 Hilltop Rd., Sprakers • 518-673-5670 Hours: Tues-Sat 12-5 • Open Wed. Nites till 7PM • www.ayresanimalshelter.com

NYAH ROSE - 11 year old female Pit Bull/Pointer mix, 45 lbs. Knows commands, leash and crate trained, housebroken. Very sweet and loving.

Older kids only. Not good with cats, ok with some dogs.

MACY - Lovely adult black female.

Found on Paris Road, Fort Plain on May 18th. Has four female kittens, two MACY’S KITTEN - One of two 6-7 black and white, 6 to 7 weeks old. week old black and white females.

TRAVIS - 5 to 8 year old black and white male. Found on Otsego St., Canajoharie on May 24th. Sweet and sociable and very responsive. You’ll smile at his antics.

STORMY - 2 year old tiger female.

Came to the shelter on May 24th because her owner was moving. A very KAYLA - 5 1/2 - 6 week old black and KENNY - 5 1/2 - 6 week old orange and white male. white female. sweet cat. Special needs (asthma).

MACY’S KITTEN - One of two 6-7 week old black females.

Spay & Neuter Clinics Call for dates and reservations.

Carolee at 518-673-5957

No Kill Shelter

NEEDED: Dry Dog Food & Cat Litter

Original Valley PENNYSAVER • June 1, 2013

Page 40

Calendar of Events ORIGINAL VALLEY PENNYSAVER NOTE: Calendar entries must arrive at the Original Valley Pennysaver’s office by the TUESDAY prior to our publication date for them to be included in the calendar of events.

Send events to Lee Publications c/o The Original Valley Pennysaver, 6113 State Highway 5, P.O. Box 121, Palatine Bridge, NY 13428 or Kathleen Lee at kkelly@leepub.com JUN 1, JUL 6, AUG 3, SEP 7, OCT 5, NOV 2 & DEC 7 Acoustic Coffee House Fultonville Methodist Church, Montgomery St., Fultonville, NY. 6:30-10

pm. Now into our 4th year, the no admission, no donation Acoustic Coffee House is open to all types of music as long as no vulgarity, doesn’t offend anybody and is acoustic. If you can’t

make it at 6:30, that’s OK there is a new performer every 9-13 minutes on average. Call 518-853-4964.

JUNE 1-30 Arkell Center News and Events for June Arkell Center, Canajoharie, NY. Programs for all Area Seniors at Arkell Center for the month of June are as follows: • Mondays - Fridays: Noon meals are provided by the Meals of Montgomery Program. Reservations are required by noon of the previous day.

Call 673-2000 or 8432300. (Suggested donation is $3 for those 60 years of age or older).

• Wednesdays: 3-4 pm.

Gentle Yoga/Chair Yoga with instructor, Patty P. continuing thru the summer.

• June 6 & 13: 1-3 pm.

Second Time Around Band practice, visitors welcome.

• August 13 & 15: Defensive Driving Schedules are: from 1-4 pm & Saturday Sept 28 from 8:30 am to 3 pm. Call Joan at 673-4408 for reservations.

SPECIAL EVENTS • June 3: 7 pm. The Valley Choraliers will be performing celebrating 40 years. Refreshments will be served, please come and join us.

• June 5, 12, 19 & 26: 12:45 pm. Senior Citizens Public Card Party, Donation - $2, prizes & light refreshments. If anyone would like to sub call Terry at 673-5635.

• June 11: 6 pm. Chamber of Commerce Meeting.

Church Directory

Call 518-673-3011 To Place Church Listings or Fax Listings to 518-673-2381 Ames - Sprout Brook UMC 613 Latimer Hill Rd. Ames, NY 13317 518-673-2265 Rev. Dr. Campbell Laker Sunday Service 9:30am

Church of the Nazarene 3316 State Route 29 W Johnstown, NY 12095 Offices: 518-762-2982 Cell: 857-523-8417

Cherry Valley Assembly of God 37 Alden St., Cherry Valley, 607-264-3306

66 Hancock St., (Rte. 5S) Fort Plain, NY 13339 315-858-2112 Pastor Carolee Coye Sunday Service 10am

Fordsbush Bible Church 131 Clark Rd., Fort Plain 518-568-7606 Pastor Kevin Keever Sunday School 10am, Morning Service 11am, Eve. Service 6pm, Wed. Service 6:45pm, Thurs. Visitation 6pm

www.fordsbushbiblechurch.com Home of Victory Christian Academy

315-858-1553

Cornerstone Baptist Church

Currytown Reformed Church

Dolgeville Christian Fellowship

829 St. Hwy. 162, Sprakers 518-922-8422

3 Elm St., Dolgeville, NY 13329 315-429-9142

7274 St. Hwy. 10, Ames 518-673-3405

Emmanuel Episcopal Church

Everlasting Joy Believers Fellowship

Rev. Mark Ioset Service: Sunday 9:15am Church School: Sunday 10:30am

Dolgeville United Methodist Church

Worship 11:00am Sunday School @ 9:30am beginning September 18th Bible Study - Wednesdays @ 12:30pm

PO Box 896 Richfield Springs, NY 13439

Pastor David Carpenter, Jr. Sundays 9:30am

Sunday Morning Service 11:00am Sunday School for All Ages 10:00am

21 N. Helmer Ave., Dolgeville Pastor: Rev. Diane E. DiLuzio 315-429-7381

1380 E. Lykers Rd., Sprakers 518-922-9088 Pastor Brett Popp

Church of Christ Uniting

Sunday School (adult & children) 10am, Worship 11am, Sunday Eve. Prayer 6:30pm, Thurs. Eve. of Encouragement 6:30pm www.christianchurchcharlestonfourcorners.org

Sunday School 10am, Adults & Children Morning Worship 11am, Youth Ministry 5:45pm, Evening Worship 6pm, Wed. Bible Study & Prayer Meeting 7pm, Awana Club 6:15-8:15pm

Pastor, Rev. Mark Fowler

Christian Church of Charleston Four Corners

588-594 Albany St., Little Falls, NY 315-823-1323 Sunday Mass 10am Coffee Hour following Sunday Mass Sunday School & Youth Group Tuesday 10am Mass & Bible Study Friday 10am-2pm Thrift Shop

Rev. Donald Hoaglander Sunday School 9:15am Worship Service 10:00am

Ephratah Reformed Church 140 Co. Hwy. 140, Ephratah, NY To live and share Jesus Christ both locally and globally.

Everyday.Everywhere.Everyone.

Pastor Jeff Hindrliter Sunday School for all ages 10am September-June Sunday Morning Worship 11am Prayer & Praise Thursdays 7pm

Faith, Hope and Love

First Baptist Church

Christian Fellowship 18 W. Grand St., Palatine Bridge 518-673-5128 Rev. David W. Bowley

Springfield Center, NY Rev. - Gary Tyler

fhlc@frontiernet.net Sundays 11:30am, For other service times please call

Fort Plain United Methodist Church 39 Center St., Fort Plain Rev. Alan Griffith

Sunday School 10:00am Morning Worship 11:00am Sunday night Worship 6:00pm Wed. night Bible Study 7:00pm Free meal & music every 2nd Sat. of the month 4-7pm

Freysbush United Methodist Church

Dr. Marvin Isum, Pastor

Worship Sunday 10:30am Midweek Fellowship Tuesday 7pm www.dolgevillechristianfellowship.org

Episcopal Church of the Good Shepherd 26 Moyer St., Canajoharie 518-673-3440

Holy Communion Sundays at 9:30am Fellowship Time to Follow Call for Holy Day services

The Rev. Virginia L Ogden, Rector churchgood@frontier.com

Fonda Fultonville United Methodist Church 11 Montgomery St., Fultonville Pastor Nancy Pullen • 853-3311 Sunday Morning Worship 9:15-10:15, Sunday School 9:15-10:30, Coffee Fellowship Following Service Our Mission-To Actively Follow Christ and To Inspire Others To Accompany Us.

Fultonville Reformed Church

Church Office 518-993-3863 Parsonage 518-993-3645

Freysbush Rd., Fort Plain 518-993-3645 Rev. Alan Griffith, Officiating

Corner of 5S & 30 Pastor Jane Hubschmitt

Office Hrs Tues & Thurs. 10am-4pm ALL WELCOME, Worship Service 11am

Worship 9am, Sunday School 10am ALL ARE WELCOME coffee hour to follow service

Sunday School 10AM Family Worship 10:30AM

Page 41

Original Valley PENNYSAVER • June 1, 2013

Calendar of Events • June 12: Meals of Mont will be serving Father’s Day Luncheon.

Pot Roast, Diced Potatoes, Carrots, Biscuits & Brownie. Reservations by June 3. Call 673-2000 or 843-2300.

(Suggested donation is $3 for those 60 years of age or older).

• June 13: 9 am. Leaving the Dutchtown Plaza the Seniors are headed to MacHayden Theatre to see “9 to 5” with lunch at Jackson’s Old Chatam House.

• June 14: 1:30 pm.

Tony Prime’s Honor Trip with John Manning. Join us, refreshments will be

served.

• June 25: 11:15 am 12:15 pm. Blood Pressure Clinic. Home Health Care Partners Corp. (CoSponsored by St. Mary’s and Nathan Littauer Hospitals). In addition to conducting the blood pressure clinic the Home Health Care Partners Corp. also provides health and wellness information.

• June 27: 2-3 pm.

Alzheimer’s Dementia Caregivers Support Group will have a program: “LAUGHTER IS THE BEST MEDICINE.”

This service is sponsored by the Alzheimers Assoc. of Northeastern NY. All are welcome. Plan on attending & bring a friend!

MEETINGS • June 14 & 28: 1 pm.

Canajoharie Senior Citizens Meeting.

JUN 2 17 Annual Rhubarb Festival 1747 Nellis Tavern, St. Johnsville, NY. 11 am - 4 pm. Rhubarb pie baking contest at noon. Prizes awarded at 1 pm. All kinds of rhubarb delicacies will be available for sale throughout the day.

Tom Staudle & Cosby Gibson at 1 pm. A light lunch will be available.

Contact Mary Davis, 315-866-2619.

Church Directory

Call 518-673-3011 To Place Church Listings or Fax Listings to 518-673-2381 Grace Christian Church

Grace Episcopal Church

Grandview Baptist Church

32 Montgomery St., Cherry Valley 315-858-4016

Pastor Dan West

20 Center St., St. Johnsville, NY 13452 Rev. Harry J. Teuchert 315-866-8626

Fr. Kyle Grennen, Priest-in-Charge

Sunday School 9:30am Worship 11:00am

Sunday 11:00am Holy Communion/sermon

Joy Fellowship

Lassellseville United Methodist Church

296 Co. Hwy. 119 St. Johnsville, NY 13452 518-568-3217 William Hayes Pastor Joyce Loughran Assistant Pastor

State Hwy. 29 Pastor Robert A. Lindsay

15 Washington St. Fort Plain Sunday School 10am Morning Service 11am Bible Study & Prayer Meeting, Wednesday 6:30pm

Lighthouse Baptist Church 1524 St. Rt. 29A, PO Box 114 Stratford, NY 13470-0114 315-429-8854 Pastor Martin Smith

Sunday School 9am, Morning Worship 9:30am Wednesday Evening Worship 6:30pm

Worship: Sunday 9:30am Sunday School to start soon

Sunday Morning Worship 10:30am; Wed. Eve. Prayer Meeting 6:00pm; 2nd & 4th Sunday Dinner following Morning Service with Afternoon Service following dinner “Old-Fashioned Bible Preaching”

National Kateri Tekakwitha Shrine and Indian Museum

New Hope Christian Fellowship

Oppenheim United Methodist Church

3636 St. Hwy. 5, PO Box 627 Fonda, NY 12068-0627 518-853-3646 Weekly Masses: Sat. 4:30pm, Sun. 10:30am friars@katerishrine.com www.katerishrine.com

Paines Hollow United Methodist Church Intersection of 167 & 168, Paines Hollow Pastor Peg Donaghy 518-568-7604

Sunday Worship at 9. Sunday School immediately following Children’s Message

Holy Family Parish Little Falls, NY 315-823-3410 Saturday 4pm Sunday 10:30am

Marshville Evangelical Church Route 10 South Rev. David Bowley Worship Sunday 9am

Our Lady of Hope R.C. Church

NewHopeChristianFellowship.net Sunday School 9:30AM Worship Service 10:30AM

Worship 9:30 Sundays, Totally Awesome God-TAG time 6:30pm Wednesdays beginning in Oct., Sunday School 9:00am beginning September 18th

Mass Schedule: Saturday, 4pm; Sunday, 8:30am & 11am; Mon.-Thurs. 8:30am.

Confessions: Sat. 3 & by appointment Please call parish office for Holy Day schedule

Randall Christian Church

Reformed Church of Canajoharie

Reformed Church of Fort Plain

15-19 Front St., Canajoharie 518-673-2816 Rev. Miriam Barnes

165 Canal St., Fort Plain, NY 13339 518-993-4302 • fortplainrca@yahoo.com Rev. Nancy E. Ryan

NY Rte. 5S Sunday Service 10am

Reformed Church of Sprakers

Richfield Springs Bible Church

Worship ~ 10AM

State Hwy 161 in the Hamlet of Glen 4 miles South of Fultonville glenreformed@nycap.rr.com

Route 29 Pastor: Rev. Diane E. DiLuzio 315-429-7381

32 Spencer St., Dolgeville, NY 13329 Pastor Pat Andreoli 315-429-3630

Pastor Lance Borofsky

Mark Tiffany, Preaching Elder

Glen Reformed Church

115 Reid St., Fort Plain, NY 13339 Parish Office 518-993-3822 ourladyofhope@frontier.com

Sunday Worship 9:00AM Fellowship Hour to Follow

112 Sprakers Hill Rd

Valley Choralaires Spring Concert: “Forty Years of Musical Memories St.John’s-St.Mark’s Lutheran Church, Church St., Canajoharie, NY. 3 pm. There is no charge for admission or refreshments, but a free will offering will be gratefully accepted.

JUN 2, 3, 4 & 5 Trip to Washington D.C. Trip includes 4 days & 3 nights at hotel which includes buffet & breakfast. $300/person. Sponsored by the St. Johnsville American Legion. Contact Tony at 518-332-1556 or Carmen at 518-727-6024.

JUN 7-8 American Cancer Society’s Relay For Life of Amsterdam Amsterdam High School,

19 Church St Richfield Springs, NY 13439

Rev. David Tosi 315-858-0564

Sunday School (all ages) 10am Worship Service 11am & 7pm Wednesday - Prayer & Praise Call for info on various Youth Ministries www.richfieldspringsbiblechurch.org

Pastor: Father Dennis Murphy

Worship 10am, Nursery Provided, Christian Education for children & adults 9am

Sunday Worship 10:30am, AA meetings on Tues. 7pm, Home of Manna House Meals, A Community Meal Program-Sat. & Sun 5pm

River of Jubilee Church

Seeker’s Fellowship

5057 State Highway 5 S Sprakers, NY 12166

Pastor: Gail Adamoschek Pastor: Steve Adamoschek 518-322-1427 / 518-224-4455 Sunday Service 10:00am Children’s Church Available Other Learning Opportunities Available Visit us on Facebook

14 Park Place St. Johnsville, NY 13452 518-568-7700 Pastor Mike Yezierski

Sunday Worship 6pm, Tues. Prayer 7pm, Bible Study 7pm (Wed., Thurs. & Fri.) We teach the fullness of God’s Word, a life of holiness for the believer, and salvation for all who trust in Christ’s sacrifice.

Original Valley PENNYSAVER • June 1, 2013

Page 42

Calendar of Events 140 Saratoga Ave., Amsterdam, NY. 6 pm. For information about forming a team or making a donation, contact Genevieve Thaler at 518220-6943 orgenevieve. thaler@cancer.org. The website is www.relayfor life.org.

JUN 7-9 15th Annual Violet Festival Dolgeville, NY. Princess Pageant and opening ceremonies on Friday night starting at 6:30.

• Saturday at 10 am is the parade followed by

the Alfred Dolge street play, & fireworks at 10 pm.

• The 5k run/walk & kids fun run on Sunday starting at 7 am.

Weekend long events include: Live music, craft vendors, food, flower & art shows, clowns, village wide garage sales and much more!

For more information and event applications go to www.violetfestival-ny. com.

To register for the 5k Run/Walk online go to www.getentered.com.

JUN 8 Tailgate/Rummage Sale Leona B. Trumbull Senior Center, Rte. 29, Lassellsville, NY. 10 am 4 pm. Rain date is June 9. Sell from your tent, car trunk or truck bed. Vendors are wanted for this event. Cost is $10/spot.

Luncheon will be offered along with a bake sale.

Call 518-993-3579 or 526-8453.

JUN 9 DAR and Charleston Revolutionary Patriots Charleston Historical Society, 390 Polin Rd., Charleston, NY. Hosted by the Charleston Historical Society. 2 pm. The program is free to the public. Refreshments will be provided. The public

is encouraged to bring their tattered United States flags. Call 518829-7592.

JUN 12 Tea in Celebration of 225th Birthday of the Town of German Flatts Gazebo on State Rte. 5S between Mohawk & Little Falls, near the historic Fort Herkimer Church.

1-3 pm. Seating is limited so reservations are required or or before June 9. Tickets are $12.50 each. Contact Barb, 315-866-0481 or e-mail bsmielcarski@ verizon.net.

JUN 15 Free Clothing Giveaway Valley Alliance Church, State Hwy. 5 east of Nelliston, NY. Sat. from 9-1

Church Directory

Call 518-673-3011 To Place Church Listings or Fax Listings to 518-673-2381 St. John’s & St. Mark’s Lutheran Church

143 Church St., Canajoharie 518-673-2224 Pastor Zach Labagh Sunday Worship 11am, Christian Ed. 9:45am stjstm@frontiernet.net

St. Joseph’s Roman Catholic Church 31 North Helmer Ave., Dolgeville 315-429-8338 Father Quy N. Vo

St. John’s Lutheran Church 774 St. Hwy. 163, Freysbush, NY 518-421-1027 Sunday Worship 9:30am, Sunday School 10:30am, You are invited... Ladies Aid W.E.L.C.A. Meets 1st Sat. of every month. For Fellowship in Christ’s Service.

Handicapped Accessible

St. Mary’s Episcopal Church

7690 Rt. 80, Springfield Center 315-858-4016

Fr. Kyle Grennen, Priest-in-Charge

St. John’s Reformed Church

St. Johnsville Methodist Church

68 W. Main St., St. Johnsville 518-568-7396

7 East Main St., St. Johnsville, NY 13452 Rev. Harry J. Teuchert

Faithfully Following Jesus Christ Sunday Worship 10:30am

518-568-7983 • 315-866-8626

St. Paul’s Lutheran Church

St. Paul’s Lutheran Church

518-568-3007 Church 518-568-2405 Parsonage Rev. David Johnson

36 Lydius St., Fort Plain, NY 13339 518-993-2040

32 W. Main St., St. Johnsville, NY (next to NBT Bank)

Worship Sunday 3pm

Sunday Eucharist, 9:30am Coffee - Fellowship follows service Holy Days - as announced

Sunday Worship 10:30am, Tues. Bible Bungee-Jumping 7pm, “Bible Study” that actually makes sense!

A Vibrant, Welcoming Community of Faith & Vision

St. Paul’s Universalist Church

St. Thomas the Apostle Catholic Community

Stratford United Methodist Church

170 Rural Grove Rd., Sprakers, NY 12166

315-823-2284

1 Church St., Cherry Valley

Service Sunday 10am Coffee hour following service.

Our Church is a home to inquisitive, spiritual free thinkers with diverse religious beliefs. All are welcome.

607-264-3779

Route 29A 315-429-9085

pastorjosh@ruralgrovechurch.org

Masses Sunday 8:30am & 11am

Rev. Roger Waldron

The Holy Spirit Polish National Catholic Church

The House of Zion, Inc.

The Rose of Sharon Church of God

Sunday Mass is 10:30am, Daily Mass Mon. & Wed. 8am

565 Albany St., Little Falls

618 E. Gansvoort St. Little Falls, NY 315-823-0793 Father Rafal Dadello Mass at 11am on Sunday www.holyspiritpncc.org

Trinity Lutheran Church 5430 St. Hwy. 10, Palatine Bridge 518-673-2224 Rev. Zach Labagh

Sunday Worship 9am, Sunday School 10am, (No services in July, meet at St. John’s St. Mark’s Lutheran Church in Canajoharie).

Communion on the first & third Sundays

580 Dillenbeck Road, Palatine Bridge 518-577-3069 Pastors Richard & Denise Allen

Saturday Morning Worship Service 11:30am Listen to UMT on live radio 97.5FM the 1st Sunday of every month 3pm-4pm

United Methodist Church of Canajoharie 50 E. Main St. 518-673-2717

Jesus says - “Come Unto Me” Join usSpecial Music Ministry, Beautiful Surroundings, Friendly People Sunday Service 10:30am - Email: umc673@frontiernet.net Communion Last Sunday of the Month

Worship 9am

1485 St Rt 20, Sharon Springs, NY 518-284-3307 Pastor Fred Jones Worship Service Sunday at 11am & 7pm Tuesday night 7pm Bible Study at 122 Moyer St. Wednesday Bible Study at Spring Meadows 6pm Friday Youth at the Church All Welcome at 7pm

Valley Alliance Church 85 E. Main St., Nelliston 518-993-3458 Pastor Dave Prahst

Sunday School (all ages) 9:15am, Sunday Worship 10:30am, Wed. Praise & Prayer 7pm, Fri. Youth Group 7pm (7-12th grade)

Sunday School 9:45-10:45am Church Service 11am

The Christian Church of Rural Grove 518-922-7831 Pastor Joshua Fetterhoff

Sunday School (all ages) 9:45am, Morning Service 11am, Eve. Service 6pm, Wed.-Family Night 7pm, “Where Bible Teaching is Fundamental”

The Time for Truth Ministries PO Box 351 Amsterdam, NY 12010 Phone 518-843-2121 Cell 518-774-8558

Victorious Life Church RMI Fellowship 104 Main St. & 431 St. Hwy. 80 Fort Plain, NY 518-993-3102 Sunday School 9am, Morning Worship 10:30am, Youth Group 5pm, Evening Worship 7-8pm

Original Valley PENNYSAVER • June 1, 2013

Calendar of Events am. Doors open at 8:45 am. Refreshments will be provided.

JUL 8 Chicken BBQ Canajoharie Youth Center, Erie Blvd., Canajoharie, NY. 1-5 pm. To benefit the Canajoharie Youth Center Summer Program.

AUG 24 Fifth Annual Reign Fest: NY Dolgeville Central School auditorium, 38 Slawson St., Dolgeville, NY. 2-10 pm. Grammy nominated “The Rhett Walker Band” headlines this year’s amazing lineup, that

includes hot new artist “All Things New,” ReignFest mainstay “Everyday Sunday” with special guest “Grant Woell,” along with Christian rock bands “Kardia,” “Life Band,” “Deeper Still” and the “New Hope Worship Team.” The event’s guest speaker will be Pastor Dave Hayner. Tickets are $15 in advance and $17 at the door. Group pricing is available. For tickets and information, call 315-868-5815 or e-mail bobby@rkpsporting goods.com. You can also follow ReignFest: NY on facebook.

~N~

SELL

Fort Plain True Value and Just Ask Rental 12 Willett St Fort Plain (518)993-3834 Having a party? We rent tables and chairs, along with a sno-kone machine, cotton candy machine, and a popcorn machine. Call to reserve these today!

NEED BUSINESS CARDS? Full color glossy, heavy stock.

250 ($45.00); 500 ($60.00); 1,000 ($75.00). Call Beth at Lee Publications 518-673-0101 or bsnyder@leepub.com Free Shipping SUPPORT YOUR LOCAL MERCHANTS. BUY LOCAL or BYE, BYE LOCAL!

Page 43 INVOICES for your Business - 2, 3 or 4 part forms. Very reasonable. Call your sales representative or Beth at Lee Publications 518-673-0101 bsnyder@leepub.com Free Shipping RECORDS WANTED: We’ll buy your old records from 19301970.

45’s, 78’s, Albums, Rock-N-Roll, Blues, R&B, Country, etc. Call Pete 518-6732384.

2011 CHEVY Impala LT, 34k, V-6, auto, AC, CD, full power.

SALE: $14,995. John C. Miller, Inc. 518-762-7124 www.johncmiller.com

‘06 HARLEY SOFTAIL STANDARD

Low Mileage, Runs Great, Looks Great

$9,500

315-219-2939

Original Valley PENNYSAVER • June 1, 2013

Page 44

IL A M L L A C R O

CLIP & SEND

PO Box 121, Palatine Bridge, NY 13428 • Ph: 518-673-3011 OR 800-218-5586

$4.00/

14 words $.10 each additional

Deadline Thursday Noon - Fill Out This Form OR Call Us To Place Your Reader Ad • READER AD FORM • Date________ COPY:

____ # of Weeks

______Starting Issue Date (Saturday Date)

(First 14 words $4.00 each additional word 10¢)

______________ ______________ ______________ ______________ ______________ ______________ ______________ ______________ ______________ ______________ ______________ ______________ ______________ ______________ ______________ 14 words - $4.00

______________ ______________ ______________ ______________ ______________ ______________ ______________ ______________ ______________ ______________ 24 words - $5.00

______________ ______________ ______________ ______________ ______________ ______________ ______________ ______________ ______________ 34 words - $6.00

Name (Print): ____________________________________________________________________ Farm/Company Name: ______________________________________________________________ Street: ______________________________________________ County: ____________________ City: ________________________________________________ State: ____________ Zip: ______ Phone #: ____________________________ Fax #: __________________ Cell #: ____________ Email Address: ____________________________________________________________________ Payment Method: K Check/Money Order K American Express K Discover K Visa K MC Card #: ______________________________________________ Exp. Date: __________________ MM/YY

Name on Credit Card (print): ________________________________________________________ Signature: ____________________________________________ Today’s Date: ________________ Amount Paid: ________________________________________ Ph: 518-673-3011 or 800-218-5586 • Fax: 518-673-2381 • Email: dcountryman@leepub.com

Mail: The Original Pennysaver, PO Box 121, Palatine Bridge, NY 13428

Page 45

Original Valley PENNYSAVER • June 1, 2013

Extended application deadline for the Making Home Affordable Program E x t e n s i o n through December 2015 will provide struggling homeowners additional time to access sustainable mortgage relief and align end dates for key assistance programs WASHINGTON, D.C. — The U.S. Department of the Treasury and the U.S. Department of Housing and Urban Development recently announced an extension of the Obama Administration’s Making Home Affordable Program through December 31, 2015. The new deadline was determined in coordination with the Federal Housing Finance Agency (FHFA) to align with extended deadlines for the Home Affordable Refinance Program (HARP) and the Streamlined Modification Initiative for homeowners with loans owned or guaranteed by Fannie Mae and Freddie Mac. The Making Home Affordable Program has been a critical part of the Obama Administration’s comprehensive efforts to provide relief to families at risk of foreclosure and help the housing market recover from a historic housing crisis. The program deadline was previously December 31, 2013.

Since its launch in March 2009, about 1.6 million actions have been taken through the program to provide relief to homeowners and nearly 1.3 million homeowners have been helped directly by the program. The Making Home Affordable Program includes the Home Affordable Modification Program or HAMP, which modifies the terms of a homeowner’s mortgage to reduce their monthly payment to prevent foreclosure.

As of March 2013, more than 1.1 million homeowners have received a permanent modification of their mortgage through HAMP, with a median savings of $546 every month – or 38 percent of their previous payment.

Homeowners seeking assistance with their mortgage payments should remember that there is never a fee to apply to the Making Home Affordable Program.

Homeowners can work with a HUDapproved housing counseling agency free-of-charge to understand their options and apply for help. Homeowners should visit MakingHomeAffordable.gov for more information about free resources for assistance or call 1-888-995-HOPE (4673).

REAL ESTATE Discounts for Mature Adults in Canajoharie

•Modern 1 Bedroom beautiful woodwork .$375 •Comfy 1 Bedroom new laminate floor . . .$460 •Beautiful Oak Floors in 1 Bedroom . . . .$475 Low Cost Heat, Hot Water & Laundry Room 518-673-5938, No Answer in 3 hrs 518-542-7968

CANAJOHARIE APARTMENTS 52 Maple Ave. 2 BEDROOM APARTMENT Beautiful - Modern AC, Dishwasher, Range, Refrigerator Superior Service

Rent

760

$

Month

Includes Heat & Hot Water

Call

518-673-8500

The HUDdle: 1-Year Anniversary of the Digital Government Strategy One-Year Anniversary of the Digital Government Strategy: HUD Releases Two APIs

by Eileen Coleman, Web Management Officer The Digital Government Strategy, which was published on May 23, 2012, set out to accomplish three things: • Enable the American people an increasingly mobile workforce to access high-quality digital government information and services anywhere, anytime, on any device.

• Ensure that as the government adjusts to this new digital world, we seize the opportunity to procure and manage devices, applications, and data in smart, secure and affordable ways.

• Unlock the power of government data to spur innovation across our Nation and improve the quality of services for the American people.

In order to better communicate with the public, HUD is making information available through multiple formats and increasing access to services on mobile devices.

Source: HUD.gov

Page 46

Original Valley PENNYSAVER • June 1, 2013

Send in this completed He page. All correct y k entries will be put in a ids Fill in for , drawing for $5.00! a c this han pag Include your name, $5. ce to e age, and address and 00! win mail to: The Original Valley Pennysaver, PO Box 121, Palatine Bridge, NY 13428.

• One entry per person.

• Drawing limited to those under 12 years of age.

• All entries must be received no later than 5 p.m. Monday, June 10, 2013.

Winners may pick up their $5.00 between 8 a.m. and 5 p.m., Monday-Friday, at 6113 State Hwy. 5, Palatine Bridge, NY

May 18 Puzzle Page Winner: Congratulations HENRY RIEHL of Fort Plain, NY!

Look for the answers to these puzzles in next week’s issue!

ANSWER KEY How did you score on last week’s puzzles?

Page 47

Original Valley PENNYSAVER • June 1, 2013

Automotive and Car Care

CREDIT ON CARS

Pa In y Off NO Month T Ye s ars !

We’re Not the Bank - We’re Your Neighbors Everyone’s Approved! • No Credit Check | 0% Financing

‘03 CHRYSLER SEBRING

1,695 Down

$

The Tire Shop A Multi Line Dealer

THIS WEEK’S SPECIAL!!

NEW & USED TIRES • TIRE REPAIR AUTO ACCESSORIES ON THE FARM TIRE SERVICE CUSTOM WHEELS OIL CHANGES

HARD TOP CONVERTIBLE

155 Erie Blvd., Canajoharie, NY

$

50 a week

166 E. State St., Johnstown • 762-3626

2007 PONTIAC G6 GT SPORT

Gray, Only 46,000 Miles!!, V6, Auto, Leather, Alloys, Full Power, Fun in the Sun!

SALE:: $14,995

John n C.. Miller,, Inc.

509 9 NORTH H PERRY Y ST.,, JOHNSTOWN N • 518-762-7124

Quality es obil Autom

View Our Entire Inventory Online At: www.johncmiller.com

LOOKING FOR IT? Selling it?

Give us a call at 518-673-3237 to place your reader ad today.

Fort Plain True Value and Just Ask Rental 12 Willett St Fort Plain (518)993-3834 Our live plants are on sale your choice of a 6pk of flowers or vegetables for just $1.99

HUSQVARNA Lawn Mowers On Sale! Full line of mowers, trimmers & chain saws in stock.

Randall Implements Company, Rt. 5S, Fultonville, NY. 518-8534500

NOW AT NEW LOOK SALON: New hairstylist Robin Yager.

Now accepting customers by appointment or walk-in on Tuesdays & Thursdays, 9-5. 15 years experience. 518-673-3311.

SPRING SPECIAL ON NEW ENGLAND PREMIUM PELLETS. C.H. Burkdorf & Son, 35 Hough St., St. Johnsville.

518-568-7016

MAKE our phone ring so we can return the favor!! Place your reader ad today. Only $4 for the first 14 words. 518673-3237

Looking for work?

Looking to hire…

OPEN: Mon. - Sat. 8-5

www.thetireshop.biz

673-5399

Best Quality Best Service • Best Price PICK 5 for meats, frozen seafood and grocery items, Peruzzi’s Meat Market, 69 Church Street, Canajoharie.

518-673-3382

LET US HELP you get rid of your unwanted stuff. Place a reader ad today. Only $4.00 for the 1st 14 words. Call 518-673-3011

2007 JEEP Liberty Sport 4x4, green, 70k, V-6, auto, full power. SALE: $11,995 John C. Miller, Inc. 518-762-7124 www.johncmiller.com

CHECK OUT OUR produce at really low prices, Peruzzi’s Meat Market, 69 Church Street, Canajoharie. 518-673-3382

DOUBLE D MOWING SERVICE. Now accepting residential customers. Free Estimates. doubledmowingservice.com 518-330-7905 Buying Silver Dollars!

Instant cash paying top dollar! 315-891-3254

CUFFE COMPUTERS offers affordable repairs and upgrades as well as custom built systems.

518-993-4833.

CULVERT PIPE: 8”, 10”, 12”, 15”, 18”, & 24” x20’.

C.H. Burkdorf & Son, 35 Hough St., St. Johnsville 518-568-7016

Page 48

Original Valley PENNYSAVER • June 1, 2013

WE HAVE 100’S OF VEHICLES TO CHOOSE FROM! STOP IN TODAY OR VISIT OUR WEBSITE!

Page 1 - Section B • ORIGINAL VALLEY PENNYSAVER • June 1, 2013

June 1, 2013

June 1, 2013 • ORIGINAL VALLEY PENNYSAVER • Section B - Page 2

“Where the view is beautiful and the food is heart warming” Fulton County Airport - Johnstown, NY 518-775-6348 “Full Service Bakery” Also Serving Breakfast & Lunch

Treat Your

Reward Your

Dad... Grad...

Graduation Cakes Ask About A Free Text Reading Booking Parties - Host Receives Free Reading

Breakfast on Father’s Day 8am-1pm

Cookies Cupcakes Dessert Table

Upcoming Special Event...

Pancake Breakfast Fly-In or Drive-In June 22, 2013 8am-1pm www.grandmamillies.com Open: Tuesday-Friday 8am-4pm; Saturday & Sunday 8am-1pm

2991 State Highway 5S Fultonville, NY 12072 518-853-4500 www.randallimpls.com

Page 3 - Section B • ORIGINAL VALLEY PENNYSAVER • June 1, 2013

Grandma Millie’s Bakery & Café

June 1, 2013 • ORIGINAL VALLEY PENNYSAVER • Section B - Page 4

OPEN HOUSE SATURDAY,

JUNE 8

2-4 PM 29 Dolge Ave., Dolgeville, NY

Dolgeville • 315-429-9754

Tastefully renovated 3-4 bedroom Cape style home on large corner lot, fenced yard with garage.

POHLIG’S

634 East Main St., Little Falls, NY Floor Covering • Wallpaper & Borders • Window Treatments Stencils • Benjamin Moore Paints California Paints • Sikkens Stains “The Newest Mattress Store in The Valley”

Bob Pohlig • 315-823-2640

SPRING SAVINGS Stop In Today and Demo a Zero Turn Mower FREE 560 BT BF Backpack Blower with purchase of PZ/PZ-T (zero turn mower) 36 MONTHS NO INTEREST

CHARLES D. STAHL SALES AND SERVICE 9498 River Rd., Marcy • (315) 733-1996 697 Snells Bush Rd., Little Falls • (315) 823-1982

Fake’s Auto Enterprise

DOLGEVILLE VIOLET FESTIVAL

e h T

Friday, Saturday & Sunday

June 7, 8 & 9, 2013 Opening Ceremony Friday, June 7 6:30 PM

15 Fabulous Years of Violets

STORAGE UNITS AVAILABLE

• Cars Bought & Sold • All Types of Collision Work • Expert Refinishing

ASE-Certified Mechanics Lube/Oil/Filter Changes NYS Inspections Brake Repair & Service Tire Repair & Sales Air Conditioning Service Flatbed Towing 1131 Barker Road • Dolgeville, NY

315.429.8069

SERVING THE COMMUNITY FOR OVER 48 YEARS

525 E. Mill St., Little Falls

(315) 823-1709

HARDWARE STORE

40 McKinley Rd., Dolgeville

(315) 429-9962

We Carry The #1 Brands in the Home Improvement Industry!

STORM STORM DOORS

STONE VENEER

VINYL SIDING & ACCESSORIES

ROOFING

THURSDAY,, JUNEE 6,, 2013 6-8pm

< Sock Hop Plowe Park (for the young and the young at heart)

6:30-10pm < The Violet Idol Contest, Musical Numbers Only 8-12pm < The Great Music continues Dopp’s In on the porch, The Influence 10pm < Fireworks display from Summerhouse Hill behind Dolgeville Mill

FRIDAY,, JUNEE 7,, 2013 < Village Wide Garage Sales For information call Stephanie at 429-9884 6-8pm < Dolgeville Manheim Historical Society open 6:30pm < The Violet Festival Opening Ceremonies < Welcome at the Joe Condello Gazebo, Plowe Park < Presentation of the Lyndon Lyon Award to Larry & Esther Austin < Crowning of the King “Dutch” Smith < House Decoration Contest Winners announced

by Alice Fake < Stoney Creek Fitness owner Bart Murnion announce winners of Dolgeville Biggest Loser Contest 7pm < Violet Festival Princess Pageant Ages 5-8, 9-12, 13-17 & Little Mister For information call Laverne Dudik 315-429-9794 8pm < Dolgeville Community Band Concert < Rotary Club Ice Cream Social at Plowe Park 9:30-1:30pm < Tongue & Groove at Dopp’s Inn 9pm-1am < Mohawk Valley Connection at Arthur’s 9am

SATURDAY,, JUNEE 8,, 2013 6-9am < Vendors set up, call Marilyn 315-429-9884 7-11am < Pancake Breakfast Buffet at Dolgeville Firehouse, 20 S. Helmer Ave. 9am-? < Village wide garage sales 9am-5pm < Dolgeville Manheim Historical Society Open *9:30-9:55am < Scene I - The Great Chapters of Alfred Dolge (on parade route) *10am < The Violet Festival Parade, call John, Jackie 315-429-5032 10am-5pm < Art Exhibits by Jane Bynon at Masonic Temple 11am-4:30pm < The Barnstormers Slim Harrison and Tom Jolin on the Masonic Temple Lawn under the BIG TOP children’s corner with Smiley the Clown 11am-4pm < DeMolay Program at Masonic Temple Free child ID fingerprints, photo, and CD for parents 12-2pm < Flame at Plowe Park Stage 12-4pm < Horse Drawn Trolley Rides by Parson’s Carriage behind old school next to park free to public 1pm < Rotary Club Duck Race, Car Wash, Main and Slawson St. 1-3pm < BUG Country at the Car Wash (giveaway drawings) sponsored by Dolgeville Big M 1pm < Boy Scouts Chicken Bar B Que at Fireman’s Pavilion, S. Helmer Ave. 1-5pm < DCS Central School Student Art Show K-12 plus Pre K, and Headstart. Work from Anne Jasewicz, Teressa Latona, Lisa Miner Classes. Show held at James A Green School Gym, 38 Slawson St. 2-2:30pm < By Dolgeville Mill, Main St. Scene II of Great Chapters of Alfred Dolge 2-4pm < Sun Mountain Fiddler at Plowe Park Gazebo 4-6pm < Johnson Company on Stage 4-8pm < Tongue & Groove at Arthur’s 5-5:30pm < Scene III - Helterline Park, The Great Chapters of Alfred Dolge 5:30-6pm < Winners of poetry contest will be announced and poems will be read

SUNDAY,, JUNEE 9,, 2013 < Registration / Packet Pick Up “Run for the Violets” - 5 K Run/Walk and 1 K Kids “Run for Fun” Dolgeville Fire House, 20 S. Helmer Ave 7-11am < Pancake Breakfast Buffet at Dolgeville Fire House 8:30am < Run for the Violets 5K Run/Walk USAT+F Certification #NY03002 starts Dolgeville Fire House (some streets will be temporarily closed for the safety of participants & motorists. Thank you in advance for your cooperation) 8:45am < 1K Kids Run for Fun- Free of charge starts at Dolgeville Firehouse 9:30am < Stoney Creek Fitness owner Bart Murnion announces The Dolgeville Team Biggest Loser Competition Winner 10am < Ecumenical Service at the Plowe Park Gazebo 11am-1pm < Headin Home on stage at Plowe Park 1-4pm < DCS Student Art Show K-12, plus Pre-K, and Headstart Work from Anne Jasewicz, Teressa Latona, Lisa Miner Classes. Art Show held at James A Green School Gym, 38 Slawson St. 12-4pm < Horse drawn trolley rides by Parson’s Carriage, pick up behind stage 12-4pm < Dolgeville Manheim Historical Society open 1-3pm < J&J Acoustic at the Gazebo Plowe Park 3-5pm < Soul Injection on stage at Plowe Park 7-8am

ONGOING G EVENTSS OF SATURDAYY & SUNDAY 10am-5pm < Craft Show - Flea Market < Horticulture & Food Vendors on Main St. < Ladies Garden Flower Show at Masonic Temple < Exhibit of award winning artists Jane Bynon at Masonic Temple < Village Wide Garage Sales < Dolgeville Central School Art Works, Kindergarden through 12th grades, created by students from Anne Jasewicz, Teressa Latona and Lisa Miner will be on display at the James A Green Street School Gymnasium, Slawson St., Dolgeville < Theme Basket Tickets sold at Violet Festival Information Booth < Violet Festival T Shirts for sale at information Booth

11am-4:30pm < The Barnstormers, Slim Harrison and Tom Jolin with children participation under the Big Tent in the children’s corner on the Masonic Temple Lawn. < Shriner Clowns on Saturday under the Big Top on the Masonic Temple Lawn < Smiley the Clown on Sunday under the Big Top on the Masonic Temple Lawn

www.violetfestival-ny.com

REGISTERED USER OF THE ONLINE (315) EXCHANGE 429-5111 We Can Help You Buy, Sell and Trade Globally

Come Check Out Our Showroom 6338 State Rt. 167 • Dolgeville, NY 13329

Mon-Fri 9:30-6pm • Sat 9:30-2pm

RD

’s Mountain View Trucking Redemption Center

Turn Your Bottles Into $ CASH $ BOTTLE DRIVES WELCOME 1600 State Rt. 5S, Little Falls, NY 13365

Office: 315-823-4265 Salisbury Ridgerunners Inc. Largest and Best Snowmobile Club in NYS! PO Box 287, Curtiss Rd., Salisbury Center, NY 13454

JOIN ONLINE! www.salisburyridgerunners.com 2400 Members & Growing!

429-9628

For A Trail System Map Go Visit Our Web Site

http://www.salisburyridgerunners.com

ZIPP TRUE VALUE HARDWARE 73 N. Main St. Dolgeville, NY 13329

PH. 315-429-9761 FAX 315-429-8801 Prop. Scott Pollard -Rick Madison OPEN: Mon. - Fri. 8 AM - 5:30 PM Sat. 8 AM - 5 PM Sun. 9 AM - 1 PM

It’s Always Worth A Trip To Zipp

GREEN ACRES DRIVE-IN

green acres drive-in DOLGEVILLE NEW YORK ORDERS TO GO 429-8271

Green Acres is celebrating with our once a year soft Ice Cream Flavors Double Pink----Strawberry----Violet----Black Raspberry Twisted together to make a “Lyndie” We also serve a sundae topping mixture of fresh blueberries, blackberries, raspberries and strawberries that we call our “Very Berry Violet Sundae”

Open 7 Days per week • 11AM-10PM Rt. 29 West, North Helmer Ave., Dolgeville, NY

(315) 429-8271

www.egreenacres.com add us on facebook

Page 5 - Section B • ORIGINAL VALLEY PENNYSAVER • June 1, 2013

SCHEDULE OF EVENTS

June 1, 2013 • ORIGINAL VALLEY PENNYSAVER • Section B - Page 6

NOW OPEN! SALES & SERVICE MAYFIELD, NEW YORK

Stop in today and join Doug’s Pool Chlorine Club*

For Your Do It Yourselfers: 24’ Nova $

2625 29

Also Stop In For: • Water Tests • Spin Lab • All Your Chemical Needs • Pool Accessories & Toys You’ve tried the rest, now try the best 25 Years of Experience 44 West Main St., Mayfield, NY 12117 Call us at 518-661-7665 for all your pool needs *Buy (5) 5 Gal. jugs of chlorine and get the sixth 1/2 off with dep.

Monday - Friday 8-6, Saturday 8-2

Corner Rt. 30A & Harrison Gloversville, NY

518-725-4341

Hours:: Mon-Thurss 9-5:30;; Frii 9-6;; Satt 9-3;; Closed d Sun

2 OFF

$

any custom edible image exp. 6/15/13

Metal • Standing Seam • Rubber • Shingles • Roof Painting If you want the BEST roofing system at the BEST Price Call Now and get booked for this Summer.

Owner r Applicator r On n Site Fully y Insured Professionally y Trained

Before Picture

After Picture

Call Today for a FREE No Obligation Evaluation!

Sam Swarey

315-868-8207 526 Hard Scrabble Road Little Falls, NY 13365

Page 7 - Section B • ORIGINAL VALLEY PENNYSAVER • June 1, 2013

Let us show you how to SAVE MONEY on your roof!

COMMERCIAL & RESIDENTIAL

TAKE THE FIRST STEP IN QUITTING SMOKING • STOP IN TODAY!!!! • TAKE THE FIRST STEP IN QUITTING SMOKING • STOP IN TODAY!!!!

Vape Night June 15 • 2PM Stop In and Check It Out Ego U Economy Edition Blister Pack

25

$

00

+ tax

45

$

00

+ tax

Ego U Variable Voltage

39

00

Tobacco American Red American Red Lite Ry5 555 Gold Dust Rt 66 Menthol Menthol Full Menthol Mild Menthol Smooth Menthomint Carmathol

Ego U Luxury Edition

$

Custom Made to Order All USA Ingredients Flavors Available:

+ tax

Ego U Variable Voltage APV

70

$

00

+ tax

COUPON

10% Off Entire Purchase *Must present coupon - expires 6/30/13

Fruits Maraschino Cherry Blueberry Passion Fruit Peach Pineapple Raspberry Banana Strawberry Watermelon Dragon Fruit Strawberry Banana Strawberry Watermelon

Sweets Caramel Cream Strawberries n Cream Peaches n Cream Nut a Ban Graham Cracker Coconut Cream Aqua Fin Wintermint Peppermint Vanilla Caramel Strawberry Milkshake

Beverages Hazelnut Lemon Mt. Blu Mt. Do Pina Colada PV Bull Red Devil Strawberry Lemonade Wild Berry Coffee Coffee n Cream Hazelnut Coffee Fruity Doo

More Flavors Coming Soon

Arthur & Amanda Bixby provapes@yahoo.com 3734 St. Hwy. 30, Vails Mills, NY (across from Wildlife Museum) 518-883-7255 HRS: Mon-Fri 10am-7pm; Sat 10am-5pm; Sun-Closed

TAKE THE FIRST STEP IN QUITTING SMOKING • STOP IN TODAY!!!! • TAKE THE FIRST STEP IN QUITTING SMOKING • STOP IN TODAY!!!!

June 1, 2013 • ORIGINAL VALLEY PENNYSAVER • Section B - Page 8

TAKE THE FIRST STEP IN QUITTING SMOKING • STOP IN TODAY!!!! • TAKE THE FIRST STEP IN QUITTING SMOKING • STOP IN TODAY!!!!

TAKE THE FIRST STEP IN QUITTING SMOKING • STOP IN TODAY!!!! • TAKE THE FIRST STEP IN QUITTING SMOKING • STOP IN TODAY!!!!

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 518-725-ADKS (2357)

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. Lakefront deck & dock for your boat. Includes additional lot & 2nd garage $432,000 MLS 222382

WATERFRONT WESTERN VIEWS! 3BR/2BA ranch on peaceful Peck Lake. Full basement, 225+ ACRES w/TRAILS. Own 1/2 of pristine 2 car garage, deep private south shore lot. private no motor Newkirk Lake. Luxury living suite BR/3.5BA, 2 fireplaces $549,000 $270,000 MLS 220803

New

New

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, 5+ Acres - Beyond Compare! 4BR/2BA Cape. BROADALBIN 12 ACRES! Finish this dream sandy lakefront! Immaculate 2BR/1.5BA. Move Gourmet kitchen, deluxe everything inside & cape! Very private wooded site. Connect to in for $385,000. www.ADKSrealty.com village water/sewer. Call to view! $174,000 out! $255,000 MLS 222461

New

New

BROADALBIN - Great Sacandaga Lake Snowmobile trails. Beautiful 3BR/2BA with EPHRATAH - Very private 2BR, 2BA, 3 acres, OFF LAKE LOG CABIN! Borders state land. BROADALBIN 22+ ACRES - Custom log LOTS OF NEW!! Storage for boats, snowmo- private stocked pond, immaculate! Custom PECK LAKE YR. ROUND - Level lot, sandy Access Canada Lake - very peaceful. Move in home. 2BR/2BA, pond, very private! NO APA BLEECKER CHALET - 65 acres! Unfinished, biles. Eagle Mills Rd. $115,000 MLS 222704 throughout, on snowmobile trails. $179,000 beach, dock, furnished! Make offer $375,000 & enjoy summer! $249,900 add your style! Trails. Woods. $115,000

Reduced

Reduced

BLEECKER HUNTING LAND! Superb 44+ acres! Deer, Deer, Deer! Off the grid hunting cabin in place deer stands, trails, all ready to go! $135,000

New

28 ACRES, JOHNSTOWN - Borders airport and golf course, 3BR, 1BA, attached garage, 2nd garage for car enthusiasts. Immaculate! $179,000

New

1.7 ACRES! Caroga Lake Colonial 4BR/1.5BA, fireplaces inside & out. 1/2 mile to YOUR OWN E. Caroga Lakefront Lot for boat dock! $159,900 MLS 222609

BORDERS STATE FOREST

$168,000 - SNOWMOBILE TRAILS! 4BR/1.5BA, 158 Pinnacle Rd - $195,000 - 46 acres, 3- tucked in off the road. With DEEDED shared lakeRte. 10 & Chapel Rd. - $45,000 - 2BR/1BA, 4BR colonial, new kitchen & bath, heated front Lot on peaceful W. Stoner Lake. MLS corner lot. Deck to relax & enjoy lake breezes. garage. Trails.

201219669

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 117 Balsam - $135,000 - 3BR/2BA, walk to Lakeview Assoc. Beach. 2 garages. Lots of New. $168,000 MLS 222913 redone, even central air.

BORDERS STATE FOREST

$175,000 - NEAR LAPLAND LAKE XC & NORTHVILLE PLACID TRAIL - Very private! 2 LOTS. WATERFRONT CAMP Sleeps 12 on Low taxes, deluxe off the grid 2BR/1BA year Mt. Lake is motor friendly! Docks, furnishings stay! Make Offer! $133,000 MLS 201215491 round home. MLS 215503

$128,500 CAROGA LAKE! Year round.

Meticulous remodeling from the copper plumbing, new kitchen w/maple cabinets & new floors. MLS 222945

$189,000, QUIET & PRIVATE 150 FT LAKE- $159,000 - LAKE PLEASANT, STRATFORD FRONT E STONER 2BR/1BA Chalet. Fireplace, 95Ft. waterfront, western views. 2BR/1BA 128 KNOWLTON RD, FONDA - $90,000 - $39,900 - 107 S. PERRY ST. - Less than a car! 523 W. MARKET ST., JOHNSTOWN - $89,900 OWN THE POINT - $315,000 - Grand camp - 3BR/2BA, 1 car garage on E. Caroga, 4BR/1BA. 300+/- ft. waterfront.

3BR/1.5BA, plenty of room, quiet street. new kitchen & bath. Dock stays! MLS 220803 rustic cabin.

3BR/1BA, wood floors, reinsulated!

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

NEW LISTINGS: www.ADKSRealty.com

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!

Page 1 • REAL ESTATE GUIDE • June 1, 2013

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

June 1, 2013 • REAL ESTATE GUIDE • Page 2

Glossary of mortgage terms Adjustable-rate loans, also known as variable-rate loans, usually offer a lower initial interest rate than fixed-rate loans. The interest rate fluctuates over the life of the loan based on market conditions, but the loan agreement generally sets maximum and minimum rates. When interest rates rise, generally so do your loan payments; and when interest rates fall, your monthly payments may be lowered.

Annual percentage rate (APR) is the cost of credit expressed as a yearly rate. The APR includes the interest rate, points, broker fees, and certain other credit charges that the borrower is required to pay.

Conventional loans are mortgage loans other than those insured or guaranteed by a government agency such as the FHA (Federal Housing Administration), the VA (Veterans Administration), or the Rural Development Services (formerly known as Farmers Home Administration, or FmHA).

Escrow is the holding of money or documents by a neutral third party prior to closing. It can also be an account held by the lender (or servicer) into which a homeowner pays money for taxes and insurance.

Fixed-rate loans generally have repayment terms of 15, 20, or 30 years. Both the interest rate and the monthly payments (for principal and interest) stay the same during the life of the loan.

The interest rate is the cost of borrowing money expressed as a percentage rate. Interest rates can change because of market conditions.

Loan origination fees are fees charged by the lender for processing the loan and are often

expressed as a percentage of the loan amount.

Lock-in refers to a written agreement guaranteeing a home buyer a specific interest rate on a home loan provided that the loan is closed within a certain period of time, such as 60 or 90 days.

Often the agreement also specifies the number of points to be paid at closing.

A mortgage is a document signed by a borrower when a home loan is made that gives the lender a right to take possession of the property if the borrower fails to pay off on the loan.

Overages are the difference between the lowest available price and any higher price that the home buyer agrees to pay for the loan. Loan officers and brokers are often allowed to keep some or all of this difference as extra compensation.

Points are fees paid to the lender for the loan. One point equals 1 percent of the loan amount.

Points are usually paid in cash at closing. In some cases, the money needed to pay points can be borrowed, but doing so will increase the loan amount and the total costs.

Private mortgage insurance (PMI) protects the lender against a loss if a borrower defaults on the loan. It is usually required for loans in which the down payment is less than 20 percent of the sales price or, in a refinancing, when the amount financed is greater than 80 percent of the appraised value.

Thrift institution is a general term for savings banks and savings and loan associations.

Transaction, settlement, or closing costs may include application fees; title examination, abstract of title, title insurance, and property survey fees; fees for preparing deeds, mortgages, and settlement documents; attorneys’ fees; recording fees; and notary, appraisal, and credit report fees. Under the Real Estate Settlement Procedures Act, the borrower receives a good faith estimate of closing costs at the time of application or within three days of application. The good faith estimate lists each expected cost either as an amount or a range.

Source: Looking for the Best Mortgage, www.hud.gov

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 ed

c du

Re

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

u ed

R

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

(518)

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

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

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, sunporch, deck, 2 car garage, barn and more. Must see! . . . . . . . . . . . . . . . . .$289,000

MLS 2013127

WANT A SWIMMING POOL? (Gloversville): Well-maintained home on quiet street.

Beautifully landscaped, fenced backyard, pool and patio. 3 or 4 bedrooms, 1.5 baths $109,000

MLS 222772

COUNTRY RANCH (Hagaman): Large lot just outside of town. 2 bedrooms, 1 full bath, full basement, 1 car garage. Very economical to heat! New drilled well . . . . . . . . . . . . . .$85,000

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 2013155

COMFORTABLE FAMILY HOME (Gloversville): Many updates. 3 bedrooms, 1.5 baths. Small fenced backyard, 1 car garage. Close to downtown and elementary school . . . . . . . . .$29,900

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 . . . . . . . . . . . . . . . . . . . . . .$250,000

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 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

MLS 2013222

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 222115

MLS 2013347

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 2013131

LARGE HOME ON THE EDGE OF TOWN (Johnstown): 4 bedrooms, 2 full baths, enclosed sunporch, lots of storage space, many options. 2 garages, .45 acre lot . . . . . .$95,000

MLS 222567

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

FAMILY HOME w/LARGE YARD (Gloversville): 2 story Colonial w/natural woodwork, hardwood floors, 3 bedrooms, 1.5 baths, enclosed porches. Walk to schools . . . . . . . . . . . . . . . .$79,500

DOUBLEWIDE IN PARK (Gloversville): Very well-maintained 2006 Redman. 3 bedrooms, 2 full baths, Mayfield School District. Open front porch, large canopy-covered rear deck $56,000

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 220684

REASONABLY PRICED FAMILY HOME (Gloversville): 4 bedrooms, 1 full bath, den w/gas stove. Enclosed front and rear porches, 1 car garage plus storage . . . . . . . . . . . .$59,900

MLS 2013175

UNIQUE BEAUTY (Gloversville): Avenue home on lovely double lot. 4 bedrooms, 2.5 baths, new kitchen. Hardwood floors, natural woodwork. 2 car garage . . . . . . . . . . . . . . . . . . . . . .$145,000

MLS 2013064

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

MORE GLOVERSVILLE MULTI-FAMILY DWELLINGS 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 3-bedroom, 2.5 bath Colonial w/separate 2-family in rear (MLS 220357) . . . . . . . . . . . . . . . . . . . . .$90,000 COMMERCIAL PROPERTIES OFFICE RENTALS (Downtown Gloversville): 2 firstfloor offices w/lots of parking, heat and air conditioning included . . . . . . . . . . . . . . . . . . . . . . . .Call for details BEAUTIFUL PARLOR w/1-BEDROOM APT (Gloversville): Completely renovated building w/many unique features.

1 car garage plus off-street parking (MLS 222039) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$110,000

MLS 215805

GREAT FAMILY HOME (Gloversville): Move-in condition, near elementary school. 4 bedrooms, 1.5 baths. Extra large lot with detached 2 car garage . . . . . . . . . . . . . . . . . . . . . . . . .$110,000

MLS 222083

GRAND OLD COLONIAL (Gloversville): 4 bedrooms, 1.5 baths, hardwood floors and natural woodwork, 2 corner fireplaces. Detached 2 car garage . . . . . . . . . . . . . . . . . . . . . . . . . .$89,900

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

MLS 2013217

HANDYMAN SPECIAL (Broadalbin): Solid home in need of renovation, currently 3 bedrooms, 1.5 baths. Being sold “as is”. Convenient to downtown and schools . . . . . . . . . . .$38,500 LAND Gloversville: City building lot . . . . . . . .$5,000 2 adjacent city lots . . . .$19,900 1.5 acre building lot . . . .$25,000 Town of Mayfield: 2.14 acres . . . . . .$15,000 2.7 acres . . . . . . .$29,000 3.7 acres . . . . . . .$35,000 LAKEFRONT COTTAGES Sacandaga Lake (MLS 220668) . . . .$235,000 East Caroga Lake (MLS 222835) . . .$215,000 Stoner Lake (MLS 215985) . . . . . . . .$175,000

Page 3 • REAL ESTATE GUIDE • June 1, 2013

773-3298 FAX: (518) 725-8615

Virginia M. Mackey • Certified GRI - CRS Residential Licensed Real Estate Broker Appraiser 725-3348 • 40 Years Experience • Fulton County & Capital District MLS

June 1, 2013 • REAL ESTATE GUIDE • Page 4

www.krutz-properties.com

RESIDENTIAL - COMMERCIAL FARMS - INVESTMENTS - ACREAGE

512: DOLGEVILLE: Two-story, 4 bedroom home with above ground pool in back yard. Front porch. Exterior is vinyl siding.

Updated windows. Living room, den/bedroom, kitchen, formal dining room, laundry, bath and bedroom on 1st floor. 2nd floor 3 bedrooms and full bath. Pellet stove in dining room included.

Full basement, paved driveway . . . . . . . . . . . . . .Asking $65,000

515: COUNTRY HOME ON A DEAD-END ROAD: 2-story, 4 -5 bedroom home on 6 acres. Lots of remodeling & up-dates. New 551: FORT PLAIN: Double-wide home with an open kitchen, kit, FDR, FLR, den/bath & full bath all on the 1st floor. Heated dining area and living room. 24x12 detached garage. Nice country workshop, 2 stall garage & porch. 2 pellet stoves & appliances location. 2.5 acres with 362 feet of road frontage . . . . . . . . . . . . . included in sale. Johnstown Scl . . . . . . . . . . . . .Asking $119,900 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Asking $79,900

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

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 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$675,000

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

131: A spectacular Tudor w/ scenic views on 198 rolling acres of woods. Certified organic tillable land & pond. Fine craftsmanship of the marbled fireplace, stained glass transom beamed ceilings, Cherry paneled foyer, den, beautiful staircase & French doors leading into the LR & library areas. Plus 3 bdrm guest house . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Asking $695,000

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

201: ST. JOHNSVILLE: Constructed in the 1950's but years ahead of its time. Limestone wall fireplace in the LR & DR. Basement has a family room w/ fireplace, 4 bdrms & 2 baths.

Garage under house. Plus possible building lots . . . . . .$129,500

208: DOLGEVILLE: Very nice location and walking distance to Main Street. Exquisite private backyard with a flowing stream.

Many updates to the home include new carpet, tile floor in bathroom, new windows, electrical entrance and central air . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .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

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 . . . . . . . . . . . . . . . . . . . . . . .$219,000

Page 5 â&#x20AC;˘ REAL ESTATE GUIDE â&#x20AC;˘ June 1, 2013

59 W. Main St., Canajoharie

June 1, 2013 • REAL ESTATE GUIDE • Page 6

RE A L ES TAT E GU I D E June 29, 2013 Issue Deadline Wednesday, June 19, 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:

Real estate appraisers estimate a home’s value in a specific housing market, usually on the basis of sales of nearby or comparable homes. Often, a seller’s price is established by an appraisal. Lenders require an appraisal before they can determine the amount of money they will loan you.

Do not be surprised if appraisals (seller’s and buyer’s) are different. While both may be based on comparable sales, market conditions do change, sometimes from day to day. If the appraised value is lower than the agreed-upon purchase price, a contingency clause gives you the right to renegotiate the sale price or even to withdraw your offer.

A professional real estate appraisal is necessary to determine if the asking price is a fair one. An appraisal is an educated opinion of the current market value of a specific house within the past 60 days and determined by a set of factors. Making an intelligent offer to buy is difficult until you know the market value of the house. It is also difficult to know how large a mortgage loan will be granted by a lender because loans are based on a percentage of the appraised value and not on the asking price. You may choose to insert a contingency clause into your “offer to purchase contract” that the house must meet the appraised value or you have the right to withdraw your offer.

A qualified appraiser should have nothing to gain or lose from a sale and works only for one party to the sale. Findings should be provided in writing and include: 1. An accurate description of the property.

2. A purpose statement for the appraisal.

3. All of the data and criteria used to determine value, including at least three comparable sales and costapproach figures.

4. A final estimated value.

You can have your own appraisal done. Look for an appraiser who is familiar with the community and is an independent appraiser with the initials MAI, MAI/RM, or ASA after his or her name. MAI stands for “Member, Appraisal Institute,” the American Institute of Real Estate Appraisers. RM added means “Residential Member” with at least five years of experience in residential, rather than commercial, real estate. ASA denotes membership in the American Society of Appraisers.

5. Any special conditions, such as an easement.

6. Appraiser’s certification and signature.

The appraisal is usually paid for by the buyer and will be included in your closing costs. The cost of a complete appraisal of a three-bedroom, two-bath house could range between $250 to 275 for a conventional loan and $175 to 300 for a government-backed or financed loan.

If your loan will be financed by either the Department of Housing and Urban Renewal (HUD) or the Veteran’s Administration (VA), the appraiser will be selected by computer. Appraisals for one of these types of loans will be good for either type of financing.

Source: North Carolina Cooperative Extension Service, Selecting Home Buying Professionals

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

518-843-4343 www.MVRELLC.com

1088 LAKEVIEW AVE., SCHENECTADY Move-in condition. Great 3 bedroom home in quiet neighborhood. Living rm 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.

168 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.

130 PERTH FITNESS RD., BROADALBIN Great country home, very spacious, bright and inviting.

Features 4 Bedrooms plus finished basement and great school Dist . . . . . . . . .Reduced to $198,000.

2288 ST HWY 162, ESPERANCE - ENERGY EFFICIENT HOME! 3 Bedroom, 2 bath Doublewide on 2.3 acres. Located in the Schoharie School Dist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$89,900

295 EAST MAIN ST., AMSTERDAM Business Opportunity - Successful operating Florist on busy street in the City of Amsterdam . . Real Estate Only $129,000.

68 EAST STATE ST., GLOVERSVILLE Features 5 bedrooms, 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

308 FOREST AVE., AMSTERDAM - Let the rent pay the mortgage on this nice 2 family home. Spacious home with 3 bedrooms and 2 baths . . . . . . . . . . . . . Only $68,000

620 ST HWY 334, FONDA - SHORT SALE Located on the Cayadutta Creek with total of 5 acres. Spacious 4 bedroom and 2 bath home with many updates completed and others partially completed. . ONLY $59,000

NEW LISTING SHORT SALE - Pickle Hill Rd Ft. Plain - Lovely 4 BR Colonial home with 4+ acres and Huge Newer detached garage.

Updated kitchen, 2 full baths and formal dinning room . . . . Short Sale Price $114,900.

NEW LISTING! Lusso Rd., Glen - Spacious 5 bedroom home features many updates including master suite, energy eff. windows, kitchen w/ granite counter tops and more. Room for horses on 7 acres plus 5 outbuildings . . . . . . . . . . . . . . . . $379,900.

100% FINANCING FOR QUALIFIED BUYER! Lower Lepper Rd. Ft. Johnson This home is in a great location, very private. Updates include newer roof, new replacement windows and more. Could have 4th bedroom if needed . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Only $100,000.

East Main St., Fonda - Wonderfully updated 3 BR home features HW floors, eat in kitchen, spacious BR's and 2 car detached garage. Located close to the schools and easy access to Amsterdam, Johnstown and the NYS Thruway . . . . . . . . Only $59,900.

Page 7 • REAL ESTATE GUIDE • June 1, 2013

Real estate appraiser

June 1, 2013 • REAL ESTATE GUIDE • Page 8

LANA RUGGIERO, GRI, ASP 11 Forest St., Gloversville (518) 470-4738 www.ruggierorealtyllc.com • mruggier@nycap.rr.com 2132 Donnan Rd., Galway

307 W. Madison Ave., Johnstown

1131 Co Hwy 122, Town of Johnstown

108 Woodlawn Dr. Town of Johnstown

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

Completely rebuilt in the early ‘90’s, this is a wonderful family home on an acre, with city amenities. Meticulously maintained with brand new authentic hardwood floors throughout! And there isn’t a man around who won’t love the 3 car attached garage PLUS the detached 24x36 garage that was built in 2005. . . . . . . . . . . . . . . . $199,900

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

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

7 Lark St., Gloversville

462 N. Main St., Gloversville

206 Cape Horn Rd., Johnstown

119 Bertrand Rd., Mayfield

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

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

Lovely 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

273 Smith Rd., Broadalbin

1007 Co Hwy 122, Town of Johnstown

418 N. Main St., Gloversville

13 W. Twelfth Ave., Gloversville

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!

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

Cream Puff! Just a cute little cottage in the city with 3BRs, 1.5 baths. Great authentic detailing with some modern upgrades to baths & kitchen. Very little yard maintenance, garage and decent basement. Priced below assessment at . . . . . . . . . . . . . . . $74,900

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

74 Second Ave., Gloversville

54 S. Judson St., Gloversville

9 Beech St., Gloversville

73 First Ave., Gloversville

Large cape on a nice corner lot. Lots of recent upgrades. 3BRs, 1.5 baths, finished room in lower level, fenced yard, garage. Fireplace and pellet stove. . . . . . . . . . . . . . . . . . . . . . . . . . . $85,900

New, new, new...kitchen, appliances, bathroom, plumbing, electrical service, roof, H/W heater, vinyl siding and some windows. It’s what the first time home buyer is looking for... low price, low taxes and little yard maintenance! . . . . . . . . . .$57,900

Adirondack coziness in the heart of the city!

Spacious 2BR and private yard. Brand new siding, windows and roof. Knotty pine interior with efficient pellet stove. . . . . . . . . . . . . . . . . .$44,900

Hard to find 3 unit money maker centrally located in the city. 1st & 2nd floor apartments have long term tenants, basement unit is refreshed and ready for new tenant. 2 car garage with storage, plenty of off street parking plus yard. . . . . . . . . . .$69,900

51 Prospect Ave., Gloversville

322 Forest Ave., Amsterdam

4 Fruit St., Gloversville

• Land • Town of Johnstown - 1 acre building lot $24,900 Town of Johnstown - 2.10 acre Cul De Sac Lot $38,000

Great looking, easy to maintain, centrally located 2 family. Perfect for first time home buyers who need a little help with making the mortgage payments. No repairs needed... move right in! . . . . . . . .$59,900

Unique two family, newly refreshed, great money maker. Large first floor apartment. Smaller, efficient second floor apartment. Neighborhood has undergone a revitalization... take a look now!. .$65,000

Money making 2 family close to high school and middle school. Newer furnace, flooring, porches, hot water heaters. Priced right, good monthly rental income. Come see. . . . . . . . . . . . . . . . .$39,900

Gloversville - 2.20 acre Commercial Lot $15,000

Page 9 • REAL ESTATE GUIDE • June 1, 2013

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

June 1, 2013 • REAL ESTATE GUIDE • Page 10

Steps to buying a home Buying your home is an exciting experience and it may be the largest financial investment you will ever make.

Taking the time to learn about the steps involved in the buying process will help ensure that you purchase a quality home at a price you can afford. There are seven basic steps to buying a home: Step 1.

Prepare for home ownership • Begin by seeking homebuyer education. You can contact The U.S. Department of Housing and Urban Development (HUD) to find an approved provider of homebuyer education in your area. Visit the HUD website or call 800-569-4287.

• Monitor your credit record.

Get a free copy of your credit report and if necessary, take steps to improve your credit score. Your credit score is a key factor in determining the rate of interest that you will pay for your mortgage loan.

Generally, a higher credit score will qualify you for a lower interest rate.

• Figure out what you can afford. It will save you time, energy, and money if you have a realistic picture of what you need and how much you can afford before you start shopping for a home.

• Choose the type of home that fits your lifestyle, in a location that has the amenities and community services that you want.

• Know your rights. You have the right to equal housing opportunities; disclosure of settlement costs; and protection from predatory lending practices. Your home mortgage will probably be the one of the largest loan contracts you ever sign. Take the time to know your rights before you start shopping for a home and a loan.

Step 2.

Shop for a loan • Comparison shop. Gather all the information you need to complete the mortgage loan application. Then compare the different types of mortgages that each lender offers and the

tradeoffs associated with each option. You may want to create a comparison chart to record and compare the terms of different loans and lenders.

• You can avoid paying for private mortgage insurance if you have a down payment that equals at least 20 percent of the purchase price.

• Learn about home buying programs in your state that can lower your costs and mortgage payment.

• Get pre-qualified for a loan.

When you are ready to make an offer, you will be in a better position to have your offer accepted if you are prequalified or preapproved for a loan.

Step 3.

Shop for a home • Know your housing priorities, including the type of structure, size, location, and community services that are important to you.

• Decide whether you want to use the services of a realtor.

Realtors are familiar with the housing market and can assist

132 Reid St., Fort Plain - $125,000 Great starter home. 2BR Ranch, heated pool, eat-in kitchen, large open living/dining room, full basement, full walk-up attic, attached garage, satellite dish, wood floors, central air, public water & sewer.

25 minutes to Cooperstown, 30 minutes from Amsterdam, Utica. Nice area close to shopping.

Julie Sonner Licensed Real Estate Salesperson

Cell: 518.605.0883 Office: 518.370.3170 ext. 406 • Fax: 518.370.5797 Email: JSonner@RealtyUSA.com 480 Balltown Road, Schenectady, NY 12304

you in finding the house that meets your needs. The seller generally pays the realtor’s commission to help sell the property, which means that the realtor will try to get the best sales price and terms for the seller. To get the best outcome for yourself, you may want to hire your own realtor to represent your interests as the buyer.

• Know housing market trends before you start looking for a home. In a buyer’s market, there are a lot of homes for sale, with relatively few buyers, so sellers have to offer potential buyers additional incentives. In a seller’s market, there are a lot of buyers and relatively few homes, so sellers are likely to drive a hard bargain, and the home you want may be sold before you have a chance to make the offer.

Step 4.

Make an offer • Make an offer that is realistic. Offers are usually conditional on the home inspection (see step 5), appraisal, having a clear title, and final approval of the loan.

• Provide an earnest money deposit. The earnest money deposit lets the seller know that you are serious about wanting to purchase the home.

In most cases, if you retract your offer, the seller keeps the deposit.

• Get pre-approved for a loan to give yourself a stronger negotiating position.

• Negotiate the deal. When you make an offer, the interested seller usually will negotiate back and forth with you until you reach a joint agreement.

Every point in the contract is negotiable, but it is usually best to know common practices and accepted standards in the negotiation of the contract before you start the process.

Step 5.

Get a home inspection • A home inspection report provides an in-depth and impartial evaluation of any problems with the property.

Your realtor and lender will have suggestions regarding who to use. The charge for the inspection will be added to your closing costs unless the seller has agreed to pay for the report.

• When you make a written offer on a home, you need to insist that the contract state that the offer is contingent on a home inspection conducted by a qualified inspector.

• If you are satisfied with the results of the inspection, then your offer can proceed, but be sure to negotiate and include, in writing, any financial adjustments, repairs or replacements that the seller agrees to make as a result of issues identified in the inspection report.

Step 6.

Get homeowners insurance • Learn what is covered by homeowner’s insurance and what type of policy to purchase.

• Shop for a policy. Remember to consider flood and earthquake insurance if appropriate.

• Know how to read the policy and file a claim.

Step 7.

Close the deal • The final step in the home buying process is called the “closing” or “settlement.” The closing usually takes place using the services of a settlement agent who oversees the transfer of the property from the seller to the buyer.

• Prior to closing, you need to secure the services of a title company. The title company provides you with title insurance and often serves as the settlement agent. Title insurance protects you and the lender from claims by others against your new home.

• The settlement agent will set

up escrow to manage the transfer of the property. All documents, deeds, titles, funds and conditions of the sale are collected in escrow and monitored by the settlement agent. When all of the conditions specified in escrow agreement have been met, you and the seller will be instructed to make an appointment to sign the paperwork that will finalize the closing.

• Before you go to the closing, understand the Real Estate Settlement Procedures Act (RESPA) and the protections that it offers you. Lenders are required to give you paperwork that outlines the costs you will incur in receiving the loan.

These documents include the charges you will likely pay at closing and an estimate of your monthly mortgage payments, a Settlement Statement that details all closing costs, and a Truth-in-Lending Statement that outlines all of the specifics of the loan.

• Prepare ahead for closing day. At closing, you will sign numerous papers that make the sale final. Make sure that you have a good idea of what the settlement costs should be so that you can check the paperwork for errors before you sign. You will be required to bring picture ID and a cashier’s check to cover the closing costs.

• The transaction is recorded with the county within a day or two of closing. After the recording, you will be given the keys to your new home!

Source: www.extension.org

authority. All home buying professionals should be able to give you a clear idea of what they will do for you and how they will proceed. Some will put it in writing before you hire them. When a service cannot be summed up, ask to see samples of their work.

Buying a house can be confusing. Few people have the knowledge and experience needed to find, evaluate, and then buy a house without the help of various home buying professionals such as: real estate agents or brokers, home inspectors, appraisers, surveyors, attorneys, and mortgage lenders.

Always compare services and prices. Before using a business or individual, check the reputation of the firm or individual. Talk with people in your community who have used such a service recently and to local loan officers who may be able to make recommendations. Ask these important questions when

There is a big difference between professionals who can help you buy a house and those who can build or fix up a house.

People who would not hesitate to question the qualifications or methods of a carpenter, plumber, mason, or landscaper are often reluctant to question the expertise or skill of other home buying professionals whose work is done on paper and not on the house.

searching for help: Exactly what will be included in your services?

What will it cost?

Who pays the bill?

When will the work begin and how long will it take?

What kind of guarantee will you provide?

Source: www.ces.ncsu.edu

Home buyers, especially first-time buyers, often hesitate to ask questions. But remember, the only dumb question is the one that has not been asked. If a home buying professional cannot or will not give you a simple answer or appears offended by your questions, look for someone else to help you. If a home buying professional is put off by simple questions, imagine what will happen when you get to complicated ones! Beware of the tendency to be in awe of certain professionals, such as lawyers.

Builders or contractors deal with physical products. When a carpenter builds a deck, you can examine the joists; when a roofer installs the roof, you can check the flashing. But most home buying professionals produce paperwork and opinions.

There are no physical tests of quality. Without a questioning attitude, important decisions about your house purchase may rest on little more then the appearance of expertise and

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

Hawkeye Realty, LLC 50 West Grand Street Palatine Bridge NY 13428 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

(518)) 673-81355 • www.hawkeyerealtyllc.com

Nicole e Huball - Licensed d Salesperson nmh@hawkeyerealtyllc.com

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

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

99 Peter Peter Lane, Lane, Amsterdam Amsterdam NY NY

$$

121,000 121,000

A cozy two bedroom home located in a residential area of Amsterdam. This ranch style home offers two bedrooms, one full bath, kitchen, breakfast area, dining room, living room, and a full finished basement. The basement consisting of three separate spaces, laundry, shop area, and a dining room.

Don’t forget the outdoor space, there is an enclosed porch overlooking the back yard and above ground pool.

Page 11 • REAL ESTATE GUIDE • June 1, 2013

Selecting home buying professionals

June 1, 2013 • REAL ESTATE GUIDE • Page 12

Real estate professionals (Real Estate Broker, Realtor, Real Estate Agent) An efficient method of shopping for a house is to consult a real estate professional. How do you select one and what services can you expect? Try to find an experienced real estate professional who works primarily in the area in which you are interested and who has access to a computerized multiple-listing service (MLS).

MLS is an automated system that generates a list of houses that match your requirements.

There are some differences in what a broker, Realtor, or real estate agent can do for you.

and has a valid license to sell real estate.

A Realtor is a licensed real estate broker or an associate holding active membership in a local real estate board affiliated with the National Association of Realtors.

Membership in the Realtor organization is available only to real estate professionals who agree to subscribe to a strict Code of Ethics that goes beyond the requirements of license law.

A real estate agent, associate, or salesperson can show property for sale on behalf of a seller, but may or

A broker can show property for sale on behalf of a seller,

Claudia Crawford Licensed Associate Broker Serving Montgomery, Fulton & Saratoga Counties

4720 State Highway 30 Amsterdam, NY 12010 Cell 518-866-1317 Office 518-843-4343 Fax 518-843-4321 Crawford.Claudia34@gmail.com www.MVRELLC.com

Kathleen M. Mussi Licensed Real Estate Broker/Owner

A&M PROSPECT PROPERTIES LTD. FULL SE RVICE R EAL E STAT E

217 N. Main Street • Gloversville, NY 12078

Tel 518-773-8457 Fax 518-773-9734 Cell 631-875-8646 We Also Specialize in Property Management

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

may not have a license to transact the sale and collect the sales commission. Real estate agents, associates, or salespersons must operate under the supervision of a licensed broker, and they receive a portion of the commission paid to the selling broker.

A real estate professional brings together sellers and buyers. Always remember just who the real estate professional is working for.

Real estate professionals have a financial, legal, and moral responsibility to the seller — not the buyer. In return for representing the seller, they receive a commission from the seller when the house is sold.

Most commissions are a flat percentage of the home’s sale price, usually 6 to 7 percent.

Because of the way the commission system works, real estate professionals want to sell homes quickly and at the highest possible prices.

Buyer’s broker or agent The concept of using a buyer’s broker or agent is relatively new. There are pros and cons to this approach. The most obvious advantage is that the buyer’s broker or agent is legally obligated to negotiate the best possible price and terms for the buyer — not the seller. A buyer’s broker can help you locate potential houses to consider and determine the condition of the houses, such as water damage. They are particularly helpful in negotiating the sales contract and writing a purchase offer that favors your position. Finally, they may be able to give advice that the traditional real estate professional could not because his or her loyalty is to the seller.

The main disadvantage to using a buyer’s broker or agent is that you will have to pay a fee or commission. This may be a flat fee, a percentage of the purchase price, an hourly fee, or a combination of the three. While the buyer is primarily responsible for paying the buyer’s broker or agent, often, with consent of the seller, the fee is paid by the

seller’s agent. You will be asked to sign an agreement that spells out exactly what you want the buyer’s broker or agent to do for you. In turn, you will be obligated to work with the buyer’s broker/agent for a specific time.

Dual agency At times a real estate professional may become the representative of both a seller and a buyer — creating a dual agency situation. Dual agency situations often come about when one real estate firm has a relationship with two clients, one wanting to sell and the other wanting to buy. When this happens, the real estate professional is obligated to notify each client and to modify his or her actions to ensure that duties and obligations owed to each client do not come into conflict. Primarily this involves the real estate professional’s obligation to keep confidential the motives for buying or selling and other information obtained through the agency relationship with each client. This may limit the range of duties the real estate professional may perform for either party. Buyers or sellers should carefully consider the possible consequences of the “dual agency” relationship before agreeing to such representation.

What a real estate professional can do for you A real estate professional can provide you with a broad range of services including the following: • Pre-qualify you so you know what you can afford.

• Use your “wish list” to generate a computer printout of houses that meet your specifications.

• Show you houses that meet your requirements. (Let the agent drive.)

• Provide you with information about a community, including the prices and characteristics of houses in the area, the location of schools, property tax rates, unusual building code regulations, and availability of community

services.

offer.

• Provide you with basic data about each property including zoning, lot and house size, age, systems, equipment, and utilities.

4. Do not sign anything without first reading the document carefully. For a major purchase, you should try to have the contract reviewed by your real estate attorney before signing.

• Present your offer to the seller.

• Coordinate closing details.

• Advise you regarding mortgage lenders, real estate attorneys, professional home inspectors, and title companies.

When working with a real estate professional: 1. Never let another real estate professional show you a house that you have previously been shown.

2. If you are seriously interested in buying a house, don’t worry about wasting a real estate professional’s time by looking at too many houses.

It’s in your best interest to look at as many houses as possible.

A real estate person should not push you to make up your mind or make an offer on a house before you are ready.

3. Assume that anything you say to the listing agent or broker will be told to the sellers. The listing agent or broker represents the sellers and is legally obligated to represent their interest. You can put yourself at a disadvantage in negotiating a price if you have been too enthusiastic about a house on which you decide to make an

5. If you feel you are being steered to (or away from) particular neighborhoods, if the agent or broker continues to come up with excuses as to why a house is not available for viewing, or if he or she is hard to reach or doesn’t answer your calls about a certain house, you may want to check into the possibility that discrimination is involved.

As you look for a house to buy, you will probably do a lot of driving around in neighborhoods you like or checking listings in your local paper. You may come across “for sale by owner” properties.

Feel free to explore these houses on your own, even if you are already working with a real estate professional. The main advantage of a “for sale by owner” property is that the real estate agent’s commission will not be added onto the sales price, making these houses somewhat less expensive. However, take extra precautions to have the house inspected before you buy, and have an attorney advise you on drawing up the sales contract.

Source: North Carolina Cooperative Extension Service, Selecting Home Buying Professionals

308 Main Street Middleburgh, NY 12122

Page 13 • REAL ESTATE GUIDE • June 1, 2013

Four Star Realty Group Tracy Boomhower Lisa Tenneson

Licensed Broker, Licensed Sales Assoc. & OWNERS

518-495-9464 Tracy • 518-209-5369 Lisa Office 518-702-4194 • Fax 518-702-4059

RT. 20 in Esperance

A Short Commute To Work!

Included in this sale is 6,000 sq. ft. commercial manufacturing building on Rt. 81 in Greenville. Beautiful 4BR / 3 bath home, detached 3 car garage, 30 acres, pond, pool and views!

A STEAL at $599,900

Com/Res building, retail space is 2,000 sq. ft. plus more available. Currently rented as a quilt shop. Upstairs living quarters are MAGNIFICENT, elegant and spacious, 2400 sq. ft., 3BR / 2 bath, top of the line, too much to list and a grand landscaped yard.

This is one to be seen, schedule your appointment today $249,900 Bring your business or keep renting the downstairs space to cover your mortgage.

Middleburgh 6 years old, 3BR, full finished basement, inground heated pool

98,500

$

105,000

105,000

$

$

Preston Hollow 4BR Cape, nice yard, 1 car garage, pool

$

Troy 2 Family, near RPI in Troy!

INVESTMENT

299,900

59,999

Middleburgh Center hall colonial, walk to schools and shops. 3BR, 1 1/2 bath

199,900

Broome Log home, 22 acres, huge heated garage, VIEWS

$

198,500

$

DON’T WAIT priced to move fast at $365,000

E. Greenbush 2BR cottage style home, close to Albany

$

Broome 3BR, 2 full bath, finished basement, heated 30x40 garage, 5 acres

SACRIFICE SALE Due to health reasons, owner is giving this away. Grand “lodge” style home, 3,700 sq. ft., you put finishing touches on, guest house, barn, horse paddock, garage, whole house generator, 57 glorious acres and an 8 acre pond!!

Middleburgh 2 Family in village, walk to amenities, 2BR and 3BR apts.

79,900

$

THE TIME TO BUY IS NOW!

Middleburgh Quaint 3BR village home, NEW kitchen, garage, nice yard

99,900

$

Visit us at www.fourstarrealtygroup.com for these and more

June 1, 2013 • REAL ESTATE GUIDE • Page 14

Looking for the best mortgage Shopping around for a home loan or mortgage will help you to get the best financing deal. A mortgage — whether it’s a home purchase, a refinancing, or a home equity loan — is a product, just like a car, so the price and terms may be negotiable. You’ll want to compare all the costs involved in obtaining a mortgage.

Shopping, comparing, and negotiating may save you thousands of dollars.

Obtain information from several lenders Home loans are available from several types of lenders — thrift institutions, commercial banks, mortgage companies, and credit unions. Different lenders may quote you different prices, so you should contact several lenders to make sure you’re getting the best price. You can also get a home loan through a mortgage broker. Brokers arrange transactions rather than lending money directly; in other words, they find a lender for you. A broker’s access to several lenders can mean a wider selection of loan products and terms from which you can choose. Brokers will generally contact several lenders regarding your application, but they are not obligated to find the best deal for you unless they have contracted with you to act as your agent. Consequently, you should consider contacting more than one broker, just as you should with banks or thrift institutions.

Whether you are dealing with a lender or a broker may not always be clear. Some financial institutions operate as both lenders and brokers. And most brokers’ advertisements do not use the word “broker.” Therefore, be sure to ask whether a broker is involved. This information is important because brokers are usually paid a fee for their services that may be separate from and in addition to the lender’s origination or other fees. A broker’s compensation may be in the form of “points” paid at closing or as an add-on to your interest rate, or both. You

should ask each broker you work with how he or she will be compensated so that you can compare the different fees. Be prepared to negotiate with the brokers as well as the lenders.

Obtain all important cost information Be sure to get information about mortgages from several lenders or brokers. Know how much of a downpayment you can afford, and find out all the costs involved in the loan.

Knowing just the amount of the monthly payment or the interest rate is not enough. Ask for information about the same loan amount, loan term, and type of loan so that you can compare the information. The following information is important to get from each lender and broker: Rates • Ask each lender and broker for a list of its current mortgage interest rates and whether the rates being quoted are the lowest for that day or week.

• Ask whether the rate is fixed or adjustable. Keep in mind that when interest rates for adjustable-rate loans go up, generally so does the monthly payment.

• If the rate quoted is for an adjustable-rate loan, ask how your rate and loan payment will vary, including whether your loan payment will be reduced when rates go down.

Points Points are fees paid to the lender or broker for the loan and are often linked to the interest rate; usually the more points you pay, the lower the rate.

• Check your local newspaper for information about rates and points currently being offered.

• Ask for points to be quoted to you as a dollar amount — rather than just as the number of points — so that you will actually know how much you will have to pay.

Fees A home loan often involves many fees, such as loan origination or underwriting fees, broker fees, and transaction, settlement, and closing costs. Every lender or broker should be able to give you an estimate of its fees. Many of these fees are negotiable.

Some fees are paid when you apply for a loan (such as application and appraisal fees), and others are paid at closing. In some cases, you can borrow the money needed to pay these fees, but doing so will increase your loan amount and total costs. “No cost” loans are sometimes available, but they usually involve higher rates.

• Ask what each fee includes. Several items may be lumped into one fee.

• Ask for an explanation of any fee you do not understand.

• Ask about the loan’s annual percentage rate (APR). The APR takes into account not only the interest rate but also points, broker fees, and certain other credit charges that you may be required to pay, expressed as a yearly rate.

Down payments and private mortgage insurance Some lenders require 20 percent of the home’s purchase price

Looking 15

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 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.

JUST LISTED IN FONDA!

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

SELLER IS TAKING OFFERS!

New Modern Kitchen, Bath & Master Bedroom.

Come see this updated, elegant 4 BR 1 ⁄ BA home today.

Fonda-Fultonville School District. New Kitchen, stainless steel appliances, granite counter tops, ceramic tile floor, crown molding throughout, new furnace and so much more. Close to NYS thruway, Route 5 & 5S for an easy commute.

FONDA-FULTONVILLE SCHOOL DISTRICT 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!

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.

NEW TO THE MARKET!

NEW TO THE MARKET!

HORSE LOVER'S AND/OR HUNTER'S PARADISE!

$37,000.00 in Town of Ephratah 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.

1 ACRE LOT, Town of Ephratah $20,000.00 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.

1

2

Town of Charleston, NY Sale Pending House is only 11 years old, beautiful country setting, view, 59 acres and 2 large barns located off a quiet road with an easy commute to the Capital District. FondaFultonville School District.

SELLER SAYS TO MAKE AN OFFER TODAY!

181 Lakeside Drive, Mayfield, NY Private Dock on Sacandaga Lake Enjoy this well maintained, charming 1,536 sq. ft. Lake Front Home immediately with a spacious 34 x 24 garage, shed, screened porch, large lot, private dock and mooring ball.

Don't wait until summer is over, call today and enjoy your summer here!

as a down payment. However, many lenders now offer loans that require less than 20 percent down — sometimes as little as 5 percent on conventional loans. If a 20 percent down payment is not made, lenders usually require the home buyer to purchase private mortgage insurance (PMI) to protect the lender in case the home buyer fails to pay. When government-assisted programs such as FHA (Federal Housing Administration), VA (Veterans Administration), or Rural Development Services are available, the down payment requirements may be substantially smaller.

• Ask about the lender’s requirements for a down payment, including what you need to do to verify that funds for your down payment are available.

• Ask your lender about special programs it may offer.

If PMI is required for your loan,

difference between the lowest available price for a loan product and any higher price that the borrower agrees to pay is an overage.

Credit problems? Still shop, compare, and negotiate When overages occur, they are built into the prices quoted to consumers. They can occur in both fixed and variable-rate loans and can be in the form of points, fees, or the interest rate.

Whether quoted to you by a loan officer or a broker, the price of any loan may contain overages.

Have the lender or broker write down all the costs associated with the loan. Then ask if the lender or broker will waive or reduce one or more of its fees or agree to a lower rate or fewer points. You’ll want to make sure that the lender or broker is not agreeing to lower one fee while raising another or to lower the rate while raising points. There’s no harm in asking lenders or brokers if they can give better terms than the original ones they quoted or than those you have found elsewhere.

• Ask what the total cost of the insurance will be.

• Ask how much your monthly payment will be when including the PMI premium.

• Ask how long you will be required to carry PMI. Obtain the best deal that you can Once you know what each lender has to offer, negotiate for the best deal that you can. On any given day, lenders and brokers may offer different prices for the same loan terms to different consumers, even if those consumers have the same loan qualifications. The most likely reason for this difference in price is that loan officers and brokers are often allowed to keep some or all of this difference as extra compensation. Generally, the

characteristics nor be charged more for a loan or offered less favorable terms based on such characteristics.

Once you are satisfied with the terms you have negotiated, you may want to obtain a written lock-in from the lender or broker.

The lock-in should include the rate that you have agreed upon, the period the lock-in lasts, and the number of points to be paid.

A fee may be charged for locking in the loan rate. This fee may be refundable at closing. Lock-ins can protect you from rate increases while your loan is being processed; if rates fall, however, you could end up with a less favorable rate. Should that happen, try to negotiate a compromise with the lender or broker.

Don’t assume that minor credit problems or difficulties stemming from unique circumstances, such as illness or temporary loss of income, will limit your loan choices to only high-cost lenders.

If your credit report contains negative information that is accurate, but there are good reasons for trusting you to repay a loan, be sure to explain your situation to the lender or broker. If your credit problems cannot be explained, you will probably have to pay more than borrowers who have good credit histories. But don’t assume that the only way to get credit is to pay a high price. Ask how your past credit history affects the price of your loan and what you would need to do to get a better price. Take the time to shop around and negotiate the best deal that you can.

Whether you have credit problems or not, it’s a good idea to review your credit report for accuracy and completeness before you apply for a loan. To order a copy of your credit report, contact: Equifax: 800-685-1111 TransUnion: 800-916-8800 Experian: 800-682-7654 Source: www.hud.gov

Remember: Shop, Compare, Negotiate When buying a home, remember to shop around, to compare costs and terms, and to negotiate for the best deal. Your local newspaper and the Internet are good places to start shopping for a loan. You can usually find information both on interest rates and on points for several lenders.

Since rates and points can change daily, you’ll want to check your newspaper often when shopping for a home loan. But the newspaper does not list the fees, so be sure to ask the lenders about them.

Fair lending is required by law The Equal Credit Opportunity Act prohibits lenders from discriminating against credit applicants in any aspect of a credit transaction on the basis of race, color, religion, national origin, sex, marital status, age, whether all or part of the applicant’s income comes from a public assistance program, or whether the applicant has in good faith exercised a right under the Consumer Credit Protection Act. The Fair Housing Act prohibits discrimination in residential real estate transactions on the basis of race, color, religion, sex, handicap, familial status, or national origin.

Under these laws, a consumer cannot be refused a loan based on these

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

Page 15 • REAL ESTATE GUIDE • June 1, 2013

Looking for the best mortgage continued from 14

June 1, 2013 • REAL ESTATE GUIDE • Page 16

316 Mohawk Drive, Tribes Hill, New York

Exceptional Townhouse Living! * 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 $239,000

9.50 Acres Town of Glen * NEW LISTING 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

Town of Glen Ranch * 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

Fonda Two Family * NEW LISTING Well maintained 2/2 bedroom spacious flat that will make great owner occupied property on investment property. It has large flats with eat-in kitchens, living rooms, full bathrooms, spacious bedrooms, separate heat & lights, off street parking and offers wanted on . . . . . . . . . . . . . . . . . . .$49,900

Thank god for bargains! * NEW LISTING You can’t beat the price of only $55,000 for this sweet 2 bedroom, 1 bath cape on a quiet side street in Amsterdam. It has an adorable interior with a living room with fireplace, dining room, galley style kitchen, large sun room, detached 1 car garage and it won’t last long.

829-7250 See all our listings at: judithannrealty.com Broadalbin Perth School Region * 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 $89,000!

It won’t last long!!

Hold Your Horses! * NEW LISTING

Absolutely Fabulous * NEW LISTING Need we say more about this near new 3+ bedroom, 2 bath contemporary ranch situated on an executive cul-desac. 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

Palleen Manor, Fultonville * NEW LISTING

16.60 acres of clear farmland Almost new 3 bedroom, 1.5 bath with 405’ of road frontage in raised ranch on an 80’x100’ lot. Home the Town of Glen. Land is just is turn key ready with an open concept off NY 5S near the shrine and it kitchen, living room and dining room. comes with a HUGE steel Finished basement family room, secMorton style building with a ond floor laundry, attached two car concrete floor. Parcel is in the single family home just outside the Fonda Fultonville Central school district and there are public power lines along village that sits on a 185’x130’ lot that must be sold to settle estate. It has a the road. Great site for your new home and perfect spot for a hobby farm! . formal living room and dining room, enclosed front and back porches, . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Offered at $67,500 detached 1 car garage, and it is priced at only . . . . . . . . . . . . . . . .$55,000!

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

Shuttleworth Park Region Cottage * NEW LISTING Great condition 2 bedroom, 1 bath cottage on a 40’x100’ lot on a quiet side street. It has a great floor plan with an oversized living room and dining room, carriage house kitchen, 2 enclosed porches, detached garage with screened porch area, central air, and owner wants offers on . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$65,000

Hickory Hill Region 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, there’s a 1 car garage, and it won’t last long because owner wants it sold ASAP and wants offers on . . . .$139,000

Town of Florida Cape * NEW LISTING Surrounded by 1000’s of acres of picturesque farmland you will find this sweet 3 bedroom cape with a new bath, new kitchen, cozy living room.

Town of Glen Cottage

Tudor Style Two Family * NEW LISTING

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

One of a kind two family on a huge corner lot in a great neighborhood. It has 3 bedrooms in the first floor flat, and two bedrooms upstairs. First floor has a large living room with a fireplace, huge eat in kitchen, updated bathroom, hardwood floors. It comes with a detached 2 car garage, separate heat and lights, and you can let the tenant pay the mortgage!

Offered at . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$115,000

Town of Canajoharie

Hold Your Horses!

Gillen Road, Town of Charleston

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

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

102 Knowlton Avenue, Fonda 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

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

Located on Route 5 • Nelliston (Between the light & Fuccillo)

518-993-4227 or 993-3656

2010 HONDA ACCORD 4DR

4 Cyl, Auto, 32,000 Miles, AM/FM Cass. w/CD Player

248

$$

2007 FORD F150

13 7

$$

V8, Auto, Sliding Bed

2003 JEEP LIBERTY SPORT

21 6

258

2007 FORD FUSION

4x4, 5 Spd.

4 40 0

2013 CHEVY SONIC LT 2005 FORD FREESTYLE 4DR 2003 V8, Auto, 4x4, 4 Cyl., 4 Dr., Full Factory V6, 7 Pass., Front Wheel $$ $$ 226 440 6 0 /mo. Drive, 129,000 Miles /mo. 4 Dr. Warranty Books for $17,200

/mo.

/mo.

$$

0 00 0

/mo.

6 60 0

/mo.

4 Dr., PW, PS, Cruise, Tilt, $$ 18,000 Miles, Full Factory Warranty

20 8

4 Dr., 4 Cyl., Auto, 31,000 Miles, AM/FM w/CD

187

$$

0 00 0

/mo.

5 50 0

/mo.

2011 CHRYSLER 200 CONV.

312

25,000 Miles, P. Seats, PW, Cruise, Tilt, $$ AM/FM w/CD, Real Sweet Car

50 50

mo.

00 136 00 /mo.

$$

V6, Auto, 4Dr, PW, PL, AC

13 7

2012 TOYOTA YARIS

2012 FORD FOCUS SEL 4DR

24,000 Miles, PW, Silver $$ Books for $18,950

125

2012 CHRYSLER 200LX

00 00

DODGE DURANGO

98 20 1 98 /mo.

$$

2003 GMC 2500 HD

V8 Auto, 4x4, Sierra, AM/FM Stereo, A/C, w/Cap

00 5,995 00

$$

We Also Have Many More Cars -N- Toys 2012 Toyota Yaris 4 Dr., 4 Cyl, Auto, 31,500 Miles 2000 Indian Chief Motorcycle, Red & Black, SS Motor, 1340CC, 4,000 Miles. . . . . . . . . $15,895 2004 Jeep Liberty 4x4, 5 Spd, Standard 1998 HARLEY DAVIDSON FLSTS SPRINGER

Fully Chromed Up 24,000 Miles

14,500

$$

2003 Ford F250 XL Super Duty w/Dump Box 2003 Dodge Durango, V8, Auto, 140,000 miles

1998 Harley Davidson FLSTS Springer, Fully Chromed Up, 24,000 Miles . . . . . . . . . . . . . . . . $14,500

Payments Vary by Credit Score. Hours: Monday Thru Friday 8-5 or By Special Appt.

Our Repairs Facility Offers . . .

# NY State Inspections, Brake, Exhaust, Tune-Up • Everything from Motor Jobs to Auto Detailing # We have many lenders to choose from • Use your tax refund as a down payment, we accept them all Tires Come with FREE Mount & Balance

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

Your n Hometow

June 1, 2013 • AUTO, TRUCK -N- MOTORCYCLE • Page 2

DOLLARSAVER (518) 673-0116 • Fax: (518) 673-2699

4 DISTRIBUTION COVERAGE AREAS ORAGE COLD ST

brandywine

video@aol.c

Low Cost Repair on Laptops Computers Game Units iPads iPhones

We Buy & Sell Almost Everything!!!

MONTGOMERY

• • • • • •

, NY 12305 , Schenectady 133 Wall Street isals & Used ! Appra ! Sales ! New Reconstruction ! Cleaning ! ! Alterations 374-7413

ry Cleaning Carpet & Upholste Maintenance Complete Floor Removal Spot & Stain Floor Mat Rentals Area Rug Washing & RESIDENTIAL COMMERCIAL

May

518-

Christa Bray

ery Edition Fulton-Montgom hics (518) 370-1948 s A Week • 250+Grap n 7 Days Open

FULTON -

Beyer Furs

om

Upgrade Your Computer

• fb:Sean-djtwofifty

all your heart your God with mind with all your Love the Lord your soul and ~ Mark 12:30 and with all your strength. and with all

DOLLARSAVER

DISCOUNT

EL OIL AND PROPANE, FU VAL TRASH REMO,000 GALLONS

ton Spa, n Avenue, Balls

87 Milto

STRONG. 3,000 6,000 MEMBERS ER. POW OF BUYING

518-885-8660

Mon., Wed. Thu.

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

10-5:30; Fri.

10-5; Sat. 10-3

You’re Gonna Love

E ed TO SAV ation You’re Invit on Custom Gradu Announcements

and Invitations!

prices, service, great Stop in for fastproducts. one-of-a-kind available accessories also

and

*custom es • UPS • FedEx • Office Suppli nts Copies • Fax & Announceme cts • Invitations l-printing.com Promotional Produ 2-3188 magica Schoharie 518-87 281 Main St.,

(518) 702-

eet, Schoharie 303 Main Str r Spring Supplies Come See Us for You

May

dition Schoharie E

all your heart your God with mind with all your Love the Lord your soul and ~ Mark 12:30 and with all your strength. and with all

DOLLARSAVER

SENSE A GREATER FEEL HOW TO A TY LEADS ARATION. OF STABILI E OF EXHIL NS SE R TE GREA

SCHOHARIE

It!

COUPON

5% Off

“Frame Your Family”

2-5445 (518) 88Coop.com

NY 12020

al c al g ical a gic Magi M Ma ns s i gns D esig n t i ngg && De P r intin Pri BIG

V illage e Hardwar 4024

ming Custom Fra of write-up t coupon at time * Must presen 3 * Expires 5/31/1

www.Galway

Walk-In Bathtubs and

Easy Access Bathing

Solutions

Consultation !

• FREE In-Home with your needs . . . We work ) • No “Hard Sell” (Inc. Installation GUARANTEED tub.

• BEST PRICES I LOVE my new how much “I can’t tell you You did an amazing m looks great. ~ Joan The whole bathroo thank you enough” job and I can’t

OVER ARS 30 YE CE! EN EXPERI

INSTALLED MOST MODELS

!

IN JUST 1 DAY

g and Installation Custom Plannin from start to finish. are Endless!”

“The Possibilities

!! to show you! entire bathraooms Bathtub with us remodel you. ubs, we us We’ll bring Walk-in to Not just bathtom or have come

S POOLAS S

Visit our showro at *See our display

WE ALSO SELL AND SERVICE HOT TUBS AND POOLS!

SPA AND SP

NY 12095 et, Johnstown, 81 Briggs Stre 705-2700 Contact WesAT518BY APPT. 10-2PM OR PM, MON-FRI 10-6

S

E

ORAG COLD ST

Beyer Furs

E

ORAG COLD ST

brandywine

om video@aol.c

Upgrade Your Computer

We Buy & Sell Almost Everything!!!

hics (518) 370-1948 s A Week • 250+Grap n 7 Days Open

SARATOGA

Low Cost Repair on Laptops Computers Game Units iPads iPhones

Beyer Furs

, NY 12305 , Schenectady 133 Wall Street isals & Used ! Appra ! Sales ! New Reconstruction ! Cleaning ! ! Alterations 374-7413

• • • • • •

ry Cleaning Carpet & Upholste Maintenance Complete Floor Removal Spot & Stain Floor Mat Rentals Area Rug Washing & RESIDENTIAL COMMERCIAL

518-

Christa Bray

• fb:Sean-djtwofifty

ition Saratoga Ed

all your heart your God with mind with all your Love the Lord your soul and . ~ Mark 12:30 and with all your strength and with all

May

DOLLARSAVER

om

video@aol.c

brandywine

Upgrade Your Computer

We Buy & Sell Almost Everything!!!

Low Cost Repair on Laptops Computers Game Units iPads iPhones

• • • • • •

y, NY 12305 , Schenectad 133 Wall Street isals & Used ! Appra ! Sales ! New Reconstruction ! Cleaning ! ! Alterations 518-374-7413

ry Cleaning Carpet & Upholste Maintenance Complete Floor Removal Spot & Stain Floor Mat Rentals Area Rug Washing & RESIDENTIAL

Christa Bray

COMMERCIAL

May

ady-Troy Edition Albany-Schenect • 250+Graphics ys A Week Open 7 Da

(518) 370-1948

• fb:Sean-djtwofifty

all your heart your God with mind with all your Love the Lord your soul and ~ Mark 12:30 and with all your strength. and with all

DOLLARSAVER

DISCOUNT

EL OIL AND PROPANE, FU VAL TRASH REMO,000 GALLONS

STRONG. 3,000 6,000 MEMBERS ER. POW OF BUYING

ue, Ballston Spa,

87 Milton Aven

NY 12020

518-885-8660

Mon., Wed. Thu.

“Frame Your Family”

10-5:3

10-3 0; Fri. 10-5; Sat.

You’re Gonna Love

It!

COUPON

5% Omiffng Custom Fra

TALK, NO , NO DOUBLE RENTAL FEE, NO GIMMICKS FEE, NO TANK INSTALLATION FREE PRESSURE TEST, , E NO JUNK FEES STABLE PRICING. WE HAV SET, TANK FREE hase) Lease or Purc (Free S TANK

2-5445 (518) 88Coop.com

ALBANY -

SCHENECTADY TROY

www.Galway

of write-up t coupon at time * Must presen 3 * Expires 5/31/1

JOHN

DeGEORGIO ULTATION

REAL ESTATE CONS

e The Taste e People Travell For!

ap AC

ita l

Regi o

n Tr a d i t i o n S i n c e 1 9 0 4

LO’S GAROFAer St.

16 N. Cent 374-1478 Schenectady a our varieties for Try all

free T-Shirt!

See store clerk or ok for details like us on Facebo

ON YOUR ED SAVINGS GUARANTE NAL GRID BILL! SERVICE! IN NATIO RRUPTION

INTE SWITCH! NO DING! NO COST TO CT! NO KID NO CONTRA to National Grid out your check outage *You still make r emergency or nal Grid for powe *You still call Natio

Hot Italian Sweet Italian Breakfast Fresh Kielbasa Smoked Kielbasa Veal Sausage

Chorizo Andouille Bratwurst Chicken Pesto German Style Franks Lamb Sausage

usage.com garofalosa ay 8 - 5:30 pm Monday - Frid EBT

pm Saturday 8 - 3:30

FEATURING THE BEST IN TABLOID NEWSPRINT Call Mark Fowler For More Information (518) 673-0116 or (857) 523-8417

(NAPSI) — When it’s time for spring-cleaning, remember to include your car. Cleaning your vehicle inside and out prevents the buildup of damaging chemicals and dirt, reduces the potential for rust from road salt and helps ensure proper visibility needed for safe driving.

How to clean your car To get started, remove any clutter from inside the car, including items that have accumulated in the

trunk that can add extra weight and reduce fuel efficiency. The next step is to thoroughly clean and vacuum the interior and wash the windows.

When washing the outside, include the tires, wheels, underside and fenders to eliminate any road salt or grime.

Wheels and tires should be cleaned with a mitt other than the one used to wash the body. This will avoid contaminating

the vehicle’s paint with debris from the wheels and tires.

Wash in the shade and with a product sold specifically for cars. Wash one section at a time, thoroughly rinsing away the soap as you go. Work your way down toward the front, sides and rear of the vehicle. Clean the fenders and bumpers last since they will have the most dirt and grime that can contaminate the

wash mitt.

Give the car a final rinse: Remove the spray nozzle from the hose and let the water cascade down the surfaces of the vehicle. To avoid water spots, dry your car with a chamois or other product made for drying.

The last step is to wax the car. This should be done out of direct sun-

light and every six months. It goes a long way toward protecting the vehicle’s finish and makes subsequent washes easier.

If you found any stone chips, rust or other problem spots while washing your vehicle, the experts at the Car Care Council recommend having these taken care of immediately

to prevent further damage.

The 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 further facts and tips, visit www.carcare.org.

(PICK UP AVAILABLE)

WE PAY YOU $$$

CALL 315-794-5498 Keeping your vehicle clean protects your valuable investment. The task takes very little money or effort but provides huge returns.

Mon.-Fri. 9-5 Sat. 9-3

Family Owned & Operated for Over 30 Years.

No Appointment Needed • Over 3,500 Tires In Stock Custom Wheels • High Performance • Snow Tires

Anythingg thatt hass too doo withh Tires,, wee havee it!

With our Knowledgeable Sales Staff & Fast Efficient Service Crew We make the tire buying experience easy!

ONE TIRE REPAIR Check out our Website for Additional Info & Pictures OR ROTATION FREE GRANDPREMIERTIRE.COM

No Gimmick!

The FASTEST Tire Service Anywhere!

WITH COUPON CAN BE USED WITH ANY TIRE

Now Two Locations 3361 South Thompson St. Schenectady, NY 12306 518-630-5055

591 Columbia Tpke.

East Greenbush, NY 12061 518-477-4753

(Formerly Borst Tire, behind Bellevue Builders)

Page 3 • AUTO, TRUCK -N- MOTORCYCLE • June 1, 2013

Wash away the effects of rough weather

June 1, 2013 • AUTO, TRUCK -N- MOTORCYCLE • Page 4

John Knighton, President 518-869-3244 1820 Central Ave., Albany, NY 12205

Check Out Our Full Line of Classic Cars

Check Out Our Complete Line of Inventory at www.KnightonAuto.com 1999 BMW 3 Series 323iC 70,551 Miles, GORGEOUS!!

Soft Top Convertible, 5 Spd. Manual, 2.5L V6 Engine, Leather, Heated Seats, Alloys, PW, PL, PM, AC, Cruise, Keyless Entry

9,995

$

2007 Lexus ES 350 68,802 Miles, BEAUTIFUL CAR!! ONE-OWNER! Power Moonroof, Power Leather Seats w/Memory Settings, Dual Climate Control, New Tires, PW, PL, and Mirrors, AM/FM/CD/MP3, Keyless Entry!! $

Special

18,995

2008 Honda Civic LX Sedan 65,626 Miles, 5-Sp Manual Transmission, Power Windows, Locks, and Mirrors, Air Conditioning, AM/FM/CD, Cruise Control, Tilt Steering Wheel, and Steering Wheel Controls $

12,995

2008 Mercedes-Benz C-Class C300 4Matic 24,041 Miles, One Owner, AWD, Fully Loaded, Power Heated Seats w/Lumbar, Power Moonroof, Dual Climate Control, Hands-Free Communication, Traction Control $

Special

1968 Chevy Camaro 21,839 Miles, 327 V8 Engine, Factory A/C, Original Seats, Glass, and Chrome. Vehicle has Been Repainted and Given a New Vinyl Top. The Motor was Removed, Repainted, Given New Gaskets, and Professionally Reinstalled!! $

38,000

1999 Toyota Corolla CE 74,370 Miles, 5-Sp Manual Transmission!! Power Windows and Locks, Air Conditioning, AM/FM/CD, Cruise Control, Tilt Steering Wheel, and Keyless Entry!! $

2006 BMW 3 series 325i 76,876 Miles, Power Moonroof, Leather Upholstery, Power/Heated Seats, Dual Climate Control, Keyless Entry, AM/FM/CD, NEW BRAKES, NEW TIRES!! $

15,995

2005 Mercedes CLK500 Cabriolet 59,267 Miles, Black Soft-Top Convertible!!

LOADED! Alloy Wheels, Dual Climate Control, Keyless Entry!!

21,995

$

24,995

2004 Chrysler Crossfire 62,859 Miles, Power/Heated Leather Seats, ‘Infinity’ Sound w/AM/FM/CD, 19” Alloys, Auto-Dim Rear View Mirror, Traction Control, Homelink, PW, PL, PM, SHARP! $

9,995

4,995

1999 Lexus ES 300

64,090 Miles, 5-Sp Manual!! VERY CLEAN!!

Black Exterior, Black Soft Top Convertible, Tan Leather Interior!! Full Power, CD Changer, AM/FM Stereo, and 19'' Alloy Wheels!!

14,295

$

2005 Chrysler Town & Country LX 52,843 Miles, ONE-OWNER!!

NEW TIRES!! 3rd Row Seating, Dual Sliding Doors, PW, PL, and P. Mirrors, Tinted Windows, AM/FM/CD/Cassette, Keyless Entry!!

8,995

$

2008 Hyundai Elantra SE 43,634 Miles, Loaded with Great Features including Power Sunroof, PW, PL, PM, Satellite Radio, AC, Cruise, Front, Side & Rear Airbags Special

$

11,995

1999 Buick Century Custom 43,001 Miles, ONE-OWNER!! Power Driver's Seat, PW, PL, P. Mirrors, 'Concert Sound II' System with AM/FM Stereo/Cass, Dual Climate Control, Traction Control!!

5,995

$

2003 Lexus ES 300

73,862 Miles, Auto w/Overdrive, Leather, Power Sunroof, Power Seats with Memory Settings, Lexus Premium Sound with AM/FM/Cassette & CD Changer $

1997 Porsche Boxster Roadster

Special

7,995

79,712 Miles, Loaded!!

Power/Heated Leather Seats w/Memory Settings, Power Moonroof, 6-Disc CD Changer, Dual Climate Control, PW, PL, PM $

11,995

24 Month/ 25,000 Miles with purchase or lease of new vehicle

Pre-owned Cars 13250A 13206A 13376A 13424A 12633B 13265B 12744A 12770A 13397A 13198A 13258A P799A

2005 2007 2008 2008 2007 2007 2009 2010 2008 2009 2008 2012

Ford Mercury Pontiac Nissan Buick Scion Chevrolet Kia Chevrolet Hyundai Honda Hyundai

Focus Wagon Grand Marquis G6 Sentra Lacrosse tC Cobalt Optima Impala Sonata Civic Accent

86K 93K 58K 57K 87K 46K 17K 46K 78K 75K 50K 30K

$8,966 $9,966 $11,966 $12,995 $12,995 $12,966 $12,966 $12,966 $12,966 $13,966 $13,966 $14,966

$119/mo $136/mo $170/mo $187/mo $187/mo $187/mo $187/mo $187/mo $187/mo $204/mo $204/mo $221/mo

P861 13304A 13203A 13342A P886 1391A 13426A P894 P874 12679B 13309A 13168B

2010 2011 2010 2007 2010 2007 2009 2008 2011 2011 2010 2009

Toyota Chevrolet Toyota Nissan Toyota Acura Toyota Toyota Honda Kia Toyota BMW

Corolla Cruze Camry LE 350z Touring Prius Hybrid RL Camry Diamond Edition Avalon XLS Accord Optima Avalon 528xi

27K 34K 38K 40K 24K 16K 10K 5K 33K 22K 35K 50K

$14,966 $15,966 $16,966 $18,966 $19,966 $19,966 $19,995 $20,995 $21,955 $23,966 $24,966 $28,966

Dodge Toyota Toyota Toyota

Ram 1500 Tundra Rock Warrior Tundra Crew Max Plat.

Tundra Crew Max Plat.

12K 35K 22K 11K

$26,995 $426/mo $28,995 $460/mo $29,966 $477/mo $44,995 Must See!

Highlander Rav4 Sport Venza Pilot EXL CRV EX-L Sienna Highlander Ltd. Highlander SE

57K 26K 40K 52K 20K 9K 45K 12K

$21,995 $21,995 $21,966 $23,995 $25,966 $28,966 $28,966 $30,995

$221/mo $238/mo $255/mo $306/mo $306/mo $306/mo $306/mo $323/mo $341/mo $375/mo $392/mo $460/mo

Pre-owned Trucks 13271A P884 13319B 13246A

13370B 13289A 13426A 13381A 13171C P885 12592A P863 12711A

2005 2009 2011 2010

2005 2007 2007 2010 2010 2010 2012 2011 2011

Chevrolet Toyota Ford Chevrolet

Ford Toyota Saturn Chevrolet Chrysler Dodge Dodge Kia Toyota

1500 Ext. Cab Tacoma Dbl. Cab F150 Super Cab K1500

Escape Sienna Vue 1500 Cargo Van Town & Country Nitro Heat AWD Grand Caravan Sorento Rav4

86K 42K 17K 33K

78K 85K 49K 51K 53K 52K 32K 30K 33K

$15,966 $24,966 $24,995 $25,966

$238/mo $392/mo $392/mo $409/mo

13224A 13226A 13136B R060A

2012 2010 2011 2012

Pre-owned SUVs/Vans

$11,995 $11,966 $12,995 $13,966 $16,966 $17,966 $18,966 $19,966 $19,966

$170/mo $170/mo $187/mo $204/mo $255/mo $272/mo $289/mo $306/mo $306/mo

Payments based on $1,999 cash down. 2005 and newer 5.99% APR for 72 months, 2004 and older 7.99% APR for 60 months.

Taxes and fees extra. Must be credit qualified.

13237A 13303A 13363A 13100A 13372A R063 13160A 13408A

2010 2010 2009 2009 2011 2013 2010 2011

Toyota Toyota Toyota Honda Honda Toyota Toyota Toyota

$341/mo $341/mo $341/mo $375/mo $409/mo $460/mo $460/mo $494/mo

Page 5 • AUTO, TRUCK -N- MOTORCYCLE • June 1, 2013

Start Your ROAD TRIP off at

Toyota Complimentary Maintenance

June 1, 2013 • AUTO, TRUCK -N- MOTORCYCLE • Page 6

Pre-owned motorcycles 2012 Yamaha VStar 950 Loaded, 2,970 Miles Call For Price

2006 Yamaha R1 45th Annv.

8,179 Miles $6,795

2010 Honda Fury 1300 330 Miles $8,995

2006 H/D Sportster Custom, 11,412 Miles $4,995

2009 Honda VTX 1300 w/Extras $7,195 2009 Suzuki M50 Boulevard 805 6,122 Miles $5,595 2008 Yamaha 1100 Classic 9,682 Miles $5,995 2008 Kawasaki Vulcan 500 LTD 2,917 Miles $3,595 2007 Honda Shadow 750 Aero 2,600 Miles $4,795 2007 Victory Jackpot 1643CC $8,795

2006 Yamaha 650 VStar 17,624 Miles Call For Price 2003 Honda 750 Spirit 16,699 Miles $2,995 2003 Kawasaki Vulcan Nomad Loaded $5,895 2003 Yamaha 650 Custom 6,622 Miles $3,195 1999 Kawasaki Vulcan 1500 30,107 Miles Call For Price

NEW 2013 Qlink Front Runner 500cc, Fuel Injected Starting at

7,999 + Tax

$

NEW 2013 Qlink Front Runner 700 Fuel Injected Starting at $

8,999 + Tax

NEW 2011 Qlink XP200 ON OFF ROAD BIKES, 200cc, 5 Spd. Trans., Mikiuni Carb, Warranty.

Now Only $2,295

+ Tax &

DMV Fees

DEALER TRI KE CONVE RSION S for Harley Davidson, Honda, Kawasaki, Yamaha

2013 Grizzly’s

125 300 450 500

........ ........ ........ ........

3,495+Tax $ 4,195+Tax $ 6,495+Tax $ 7,995+Tax $

Generator Sales & Service

We Service All Brands of Motorcycles • NYS Inspections We Install Tires, Pipes, Jet Kits, Programmers, & Most Any Accessories Buy your tires from us and we will install for free - Call for details!

Rt. 5, Nelliston, NY • 518-993-3269

• • • • •

FACTORY-TRAINED CERTIFIED TECHNICIANS A WORLD-CERTIFIED TECHNICIAN AT FUCCILLO CHEVROLET (ONLY 600 OF THEM IN THE ENTIRE COUNTRY) STATE-OF-THE-ART FACILITIES A STAFF THAT IS COMMITTED TO YOUR SATISFACTION A SUBSTANTIAL PARTS INVENTORY TO LIMIT YOUR DOWNTIME

WHAT WE OFFER:

Page 7 • AUTO, TRUCK -N- MOTORCYCLE • June 1, 2013

June 1, 2013 • AUTO, TRUCK -N- MOTORCYCLE • Page 8

315-866-4141 2006 Ford F-350

2011 Kia Rio LX Low Miles

Lariat

2009 Suzuki SX4 Technology 2009 Ford Focus SES 2011 Hyundai Elantra GLS

$129.57

$271.72 2012 Ford E250 Cargo

Ready to Go

AWD

Warranty

$159.33

$151.64

$234.56 2011 Ford Fiesta SES

2010 Subaru Legacy 2010 GMC Canyon SLE 2010 Subaru Forester 2.5I

1 Owner

Quad Cab

Loaded

Factory Warranty

Loaded

$294.84 $294.33

$309.88

$277.66

2008 Dodge RAM 1500 SLT 2010 Hyundai Tuscon

$206.46 2012 Fiat 500 Sport

2010 Nissan Frontier SE

GLS Leather & More

4x4

Affordable

$369.98

2010 Kia Sedona LX

Like New

AWD

$206.66

$165.32

$204.86

2010 Honda Civic LX-S 2010 Volkswagen Jetta 2011 Chevrolet Cruze LT Gas Saver

$198.83

$188.67

Stow - nGo

$237.27

$288.67

TDI Diesel

Full Warranty

2010 Dodge Grand Caravan

2009 Pontiac Vibe

Sharp

Loaded

$204.95

$323.61 2011 Kia Sorento LX

$199.97

2011 Mitsubishi Galant 2008 Volkswagen Jetta SE ES

Cute

2011 Subaru Outback 2.5i Limited

Save Thousands

5 Speed

$231.84

Low Miles

$334.66

$203.44

*Payments based on Tier 1 credit with $2,000 cash or trade in.

Tax & tags not included.

Good for as long as you own your vehicle • “0” Deductible

AGE is better - 55 & Over Save An Additional 10% We Accept All Extended Warranties Service Hours Mon.-Fri. 9am-6pm Sat. 9am-1pm

OIL CHANGE & TIRE ROTATION

$24.95

Every 3,000 miles, change your oil and filter with premium NAPA products and rotate tires.

Must present coupon at time of service.

Certain restrictions may apply.

Offer expires 6/12/13

A/C SERVICE CHECK-UP

FULL SYNTHETIC OIL CHANGE

Must present coupon at time of service.

Certain restrictions may apply.

Offer expires 6/12/13

Must present coupon at time of service.

Certain restrictions may apply.

Offer expires 6/12/13

ONLY

315-866-4141 FRONT & REAR BRAKE PADS INSTALLED

$49.95 $49.95 $119.00

Limited Lifetime Warranty.

Must present coupon at time of service.

Certain restrictions may apply.

Offer expires 6/12/13

licarimotorcar.com

We Match All Competitors Coupons!

Sales Hours Mon.-Thurs. 9am-7pm Fri. 9am-6pm; Sat. 9am-4pm

State Rte. 28 North, Herkimer, NY - Just behind Hannaford Supermarkets