Valley Pennysaver 6.29.13

June 29, 2013

Volume 3 • Number 50

“Do not seek revenge or bear a grudge against anyone among your people, but love your neighbor as yourself. I am the Lord.” ~ Leviticus 19:18 WWII Marine Veteran Tony Prime (left) and “Guardian” Marine Veteran John Manning, display the book ‘The Jewel of the Mall, WWII Memorial’.

Photo by Elizabeth A.Tomlin

Original Valley PENNYSAVER • June 29, 2013

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

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.

Gold Is At An All-Time High

William Doerrer & Son Jewelers 16 Canal Street, Fort Plain

(518) 993-3388 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.

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

518-673-3011 Fort Plain True Value and Just Ask Rental 12 Willett St Fort Plain (518)993-3834 Get a head start on this years canning season!

We have jars arriving weekly, along with replacement lids, and rings. 12pk pint jars are $8.49 and 12pk quart jars are $9.99

(518) 673-3011 ~ To Place Your Ad

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

KIDS PUZZLE WINNERS

Fort Plain True Value and Just Ask Rental 12 Willett St Fort Plain (518)993-3834 Having a BBQ? Check out our barbeque supplies, including 16lb Kingsford charcoal for just $7.99 and 32oz lighter fluid for just $3.49.

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

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

Located at: 6113 State Hwy. 5 Palatine Bridge, NY

www.vpennysaver.com

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

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

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

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

This show will feature a Simon and Garfunkel tribute.

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

JULY 23

Special Friday Show Perm A Grin

RAIN LOCATION ARKELL AUDITORIUM at the Canajoharie High School

AUGUST 13

Izzy & The Catastrophics

FREE CONCERTS JULY 16

Reid is truly a giant of the steel strings.

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

JULY 12

Harvey Reid

AUGUST 6

JULY 30

JULY 9

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

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

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

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

part of the Decentralization Program, a regrant program of

NEW YORK STATE COUNCIL OF THE ARTS, administered by Saratoga Arts.

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ONE WEEK ONLY - 6/29/13 - 7/5/13 • Quantities May Be Limited

Original Valley PENNYSAVER • June 29, 2013 ST.. JOHNSVILLE

Prices Good Sat. 6/29Fri. 7/5/13

5

$

50 Foot Long Fridays ST.. JOHNSVILLE Sub Sandwiches - “Quality - Fresh”

Buy TEN, Get One FREE (Excluding Friday Sales)

518-568-5689

SUBMARINE SANDWICHES

518-568-5689

SERVICE, SELECTION, SAVINGS!! WE’LL TREAT YOU RIGHT!!

7 $ 49 1893 ITALIAN SAUSAGE 2 $ 99 PORK CHOPS 2 HOT DOGS 2/$ 00 5 $ 99 KIELBASA 2 $ 99 WATERMELONS 4 2/$ 00 BLUEBERRIES 5 2/$ 00 RASPBERRIES 5 $ 99 GRAPES 1 3/$ 00 DIPS $ 599 BLUE MOON 13 PORTERHOUSE OR T-BONE STEAKS

$ 99 Lb.

Hot or Sweet Links

Lb.

Boneless

Lb.

Ball Park Regular or Bun Length

Hillshire Farms

Pkg

Whole Seedless

Each

Pint

1/2 Pint

Red or Green Seedless

Lb.

Bottles

12 Pack

Original Valley PENNYSAVER • June 29, 2013

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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

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Original Valley PENNYSAVER • June 29, 2013

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

Special Antique Consignment Auction Thursday Night September 19th 10:00am JR’S Auction 56 Willett Street Fort Plain NY Antiques, Collectables, Crocks, Jugs, Antique Consignments and some selective collections will be here! If you have selective Antiques that you want to sell call us and we will consign them and get them advertised ahead of time for you!! 518-9934668

Mrs. M.

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

697 Snells Bush Rd., Little Falls, NY 13365

315-823-1982

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

Plastmo vinyl Raingutters work k bestt for quick k efficient drainage.

Plastmo’s half-round design makes water gravitate to the raingutter’s lowest area. This forms a natural “stream” for quick, easy drainage right down the middle. Square shaped gutters have flat bottoms and more surface area for water and debris to collect and sit.

Plastmo snaps together. Joints are glued with Plastmo Cement to form smooth permanent seals which will never leak or break open.

Do-it-yourself With Plastmo.

Available in White & Brown

C.H. Burkdorf & Son “Quality Building Materials” 35 Hough St., St. Johnsville • 518-568-7016 • www.burkdorf.com

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Original Valley PENNYSAVER • June 29, 2013

June 29, 2013 Hello Again,

by Jan P. Case Salutations. Summertime brings fun, sun and vacations. Mr. Lee is in full summer mode and will be on vacation for a couple of weeks. Before he left he asked me to fill in for him by writing the Hello Again section.

Instant fear and performance anxiety set in. I asked myself: how am I going to deliver the Hello Again message in the same fashion as Mr. Lee? Simply put, I am not. He set my mind at ease and said I should write about whatever I would like, in my own fashion. Thank You, Mr. Lee. What I like to write about is my life and my family. Some light, some medium and luckily some very rare somber events that we have endured. I appreciate my family’s good humor because sometimes telling their stories can be very humbling for them. I also appreciate having an audience to hear my stories. Thank you for reading and hopefully enjoying them. Salutations.

Free Fireworks A couple of summers ago my mom called and said, “What are you and Abbie doing tonight? Come and watch the fireworks. They are free.” It took me a couple of minutes, then I said to her, “Mom aren’t all fireworks free? They are in the sky; you cannot charge admission for them.” She laughed, just a little. We joined her. They were the fireworks at the local Fireman’s Fair.

We chose to set up our lawn chairs behind the local ice cream shop, and eagerly waited in anticipation. Darkness soon fell, the ice cream soon settled and it was time for the BOOM. I love fireworks. I love the stillness of anticipation, then the collective ooo and ahh of the crowd. I love to watch the happy expressions on my loved one’s faces. They make me smile and they make me have that happy-cry face that so unsettles my teenager.

She does not get unnerved because she is angry, but because she is confused. She wonders why fireworks make her mom cry.

Original Valley PENNYSAVER • June 29, 2013

Page 7

The tears are also a little bit of a mystery for myself; I think it is just that it is pure enjoyment. For a few minutes on a summer night all I have to focus on is the brightly lit fireworks in the sky. I do not have to think about the stresses of daily life, bills, schedules, home maintenance. I can just let my mind go and enjoy the show. Pure raw entertainment. I did not have to drive far to see them; I did not have to try to pick the right DVD — one that will make three generations happy; I did not have to plug in anything — no cables, no remote, nothing. I did not even have to adjust the volume. The only decision I had to make was where to set up my chair. On this particular occasion I actually felt a little too close to the show, but not near as close as the next time I enjoyed a firework display.

That time, Abigail, one of her friends and I decided to check out the local junior dragster races. They were fun — boy those little kids go fast! During intermission they were putting on a fireworks show, bonus.

They set the fireworks off from the infield of the track. All was going as planned, then not so much. First there was a warning shot — a stray firework hit the tire barrier around the track. Okay, that happens. No big deal. I did notice a father take his toddler son’s hand and say, “Let’s go watch them from the parking lot.” A few more successful booms, then I looked across the track and I noticed the folks putting on the fireworks show scattering, running as fast as they could from the infield. I yelled to Abbie “time to go!” and the bleachers that I had timidly navigated a few minutes before were descended like I was an Olympic hurdler on the last turn. It turned out there were no injuries or damage. The infield was a little ablaze for a few minutes, and I do believe when I passed the track office I did see them surfing the internet for fire retardant suits. No harm, no foul. I did not cry at those fireworks and they are so far the most memorable I have viewed.

As the fourth of July approaches I take delight that so do the fireworks. There will be lots of opportunities to enjoy a brightly lit show in the sky, to sit back and wait for the collective oohs and ahhs. Perhaps time to even shed a happy tear or two and best of all, they are free.

I hope you enjoyed my recollection of a very interesting fireworks display, truly one I will never forget.

Thank you for reading.

You can read more from Jan on her blog: janpcase.blogspot.com

Original Valley PENNYSAVER • June 29, 2013

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DAMIN FARM

Home Raised BEEF

MAPLE SYRUP DUNCRAVEN MILK 2 Kinds of SAUERKRAUT

Jams - Jellies - Popcorn SNAP Benefit Cards Accepted

2 Miles West of St. Johnsville

518-568-2643

®

YOUR COMPLETE STOCK SERVICE WE HANDLE COWS & HORSES Dead*Disabled*Down PLEASE CALL PROMPTLY (518) 993-2171 Fort Plain 1-800-811-0054 7-DAY SERVICE

ATVs & Rangers 2013 Models In Stock Factory Financing & Rebates Sales - Service - Parts - Accessories Zambri’s Motorsports, LLC 8319 State Rt. 5, Little Falls, NY 13365 (315) 823-2760 www.zambrismotorsports.com

Measure not the work until the day’s out and the labor done.

APARTMENT FOR RENT: 2 bedroom, upstairs, new kitchen, new bathroom, no pets please, heat & lights included, $700. Located River St., Nelliston. 518527-9881 or 518-9933656

Shop LOCAL!! 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.

Planning a Garage Sale?

Call 518-673-3011 to get your listing in early!

~Elizabeth Barrett Browning

Happy Birthday

SPRAKERS JULY 11, 12, 13, 9-5, 713 State Highway 162 (former Carriage House) Something for everyone SPRAKERS HUGE YARD SALE! Furniture, household goods, jewelry, tools, glassware, decorative items, books, bedroom set, sleeper sofa. Something for everyone! Route 5S & Mohawk St., Sprakers, July 5-6, 9-4 FORT PLAIN SUMMER LONG SALE: Something for Everyone. Tools, car hauler, '78 Chevy Malibu, toys, knick knacks, collectors items, 1970 Harley Davidson 100cc. 191 Spring Street, Fort Plain (off Route 80)

Bob Davis July 4th

FORT PLAIN GARAGE SALE: 77 Garfield Street, Fort Plain, Friday 7/25 8am-4pm, Saturday 7/26 8am12noon. Furniture, large amount of quality clothes teen and adult, 2004 Arctic Cat snowmobile in great shape, surround sound speaker DVD player, variety of kitchen items, pool solar cover, etc.

Original Valley PENNYSAVER • June 29, 2013

C.Y.C. OPEN HOUSE

407 Murray Hill Rd. St. Johnsville (518) 762-2202 Cell (518) 852-4772

Mike Heroth Water Treatment

Come see what’s new at Community Youth Center

Water Analysis - Treatment Sales & Service - 30 Years Experience

Monday, July 8th • 4-7pm

Specializing in Non-Chemical Automatic Systems Public Antique Pharmaceutical Auction!! Thursday July 18th @ 6:00pm Will be held In House at: JR’S Auction 56 Willett Street Fort Plain NY Burhmaster and Dygert Drugstore Contents Auction, Contents of the local Fort Plain Drugstore from the early 1900’s, These Drugstore contents have been on display in a private local building!!

These Antiques will be moved to our Fort Plain location and sold with no reserves over Auction!!

Items include: Solid Oak Cabinets, Medicine Cabinets completely stocked with bottles and items from the early 1900’s, 8 scales 1-marble and brass scale, 1-porcelain Exlax thermometer, 1porcelain drug store sign, wood signs, prescription ledgers from 1900’s, leather doctor bags completely stocked with utensils, 100’s of medicine bottles, and much more will be found as we set up for this super Auction!! Unbelievable Antiques & Collectables That Have Never Before Been Over Auction!! Call for more details 518-993-4668 JR’S Moving Company 518-993-4668 Call if you need to have your Home or Furniture moved!!

Local or Long Distance, One piece of Furniture or a Complete Household, Blanket Wrapped, Insured, Free Estimates 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 You can place your Line Ad in this Publication for as little as $400.

518-673-3011 Deadline Every Thursday at Noon

# GOLD#SILVER#COINS# #

PAYING CASH

#

GOLD

J P E L W A E T L I R N CHAINS Y U RINGS M DENTAL # COINS

#

R I N G S

SCRAP

SCHOOL RINGS

WEDDING BANDS

DOUBLE EAGLE COINS

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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#

7-9 Erie Blvd, Canajoharie 518-673-5117

Join n us s att the e New w CYC! Lots s Off Exciting Things s Happening:: • Preview Summer Fest summer program for kids • Check out our new basketball equipment • See our new computer lab Preview w Some e Exciting s Coming g Soon: Events • Rock Climbing Wall • Boiling Pot 5K Road Race

Refreshments Available

CHICKEN BARBECUE 4:00 TIL SOLD OUT COMPLETE DINNER $8

GET YOUR PRE SALE TICKETS EARLY! Check us out online at www.canajohariecyc.org And be sure to “Like” us on Facebook

Page 10

Original Valley PENNYSAVER • June 29, 2013

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

See Page 21 for the Answers to All of These Puzzles

Page 11

Original Valley PENNYSAVER • June 29, 2013 Consignment Pony and Small Animal & Tailgate Auction Saturday July 27th 10:00am JR’S Auction 56 Willett Street Fort plain NY Bring your Animals, Ponies, Sheep, Goats, Chickens, Ducks, Banties, Rabbits, and more. We will turn your items into CASH!!

Ponies must have up to date coggins papers!!

518-993-4668 WANTED: Hand cranked meat slicers, any pedestals, sharpeners or manuals related to meat slicers. ALSO commercial electric slicers wanted. Hand cranked slicers can be any size, kind or condition. Call with info 717-786-8154 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!!!!

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.

Antique Center has a large selection of items, Antiques, Collectables, Furniture, Jewelry, Fishing Tackle, and much more!! At JR’S 56 Willett Street Fort Plain NY 13339 518-993-4668 Stop in and browse!!

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

Faith Bible Academy A ministryy off Faith h Biblee Church

106 Crosby Rd Pastor: Mark Kelly www.fbcministriesny.com (518)) 234-3497 Sprakers, NY 12166 Principal: David White

Preparations are currently under way for Faith Bible Academy to begin its 40th year of operation this September. The private Christian school, located two miles north of the village of Carlisle on Carlisle Road is a ministry of Faith Bible Church. David White, principal notes that applications are currently being received. For information concerning the academy, interested persons should contact the school at (518) 234-3497.

Faith Bible Academy admits students of any race to all the rights, privileges, programs, and activities generally accorded or made available to students of the academy.

Faith Bible Academy does not discriminate on the basis of race in the administration of its educational policies, admission policies, and other school administered programs.

R. LOTTMAN EXCAVATING ~ SPECIALIZING IN POND CONSTRUCTION ~

28 Year s Experience “When it comes to Heavy Equipment, we’ve got more toys than all the other boys!”

(518) 673-5004 (518) 365-8444 Cell Residential & Com

mercial

Sitework includin

g:

• Foundation, Co ncrete Work and Drainage • Excavation Work • Brush Hogging • Septic Systems • Land Clearing • Gravel Sales & Delivery

Original Valley PENNYSAVER • June 29, 2013

Page 12

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

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

Old Toys, Furniture, Art work and more! Stop in and browse. You’ll enjoy the experience! Always Treasured, 14 West Main Street, Little Falls, NY. Thursday-Saturday 106pm

KEEP THE INSECTS OUT with Larson Combination Storm/Screen Doors. 32” & 36” x80” white in stock at $137.85.

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 are still carrying Keurig Kcups in a variety of flavors, 16-18 count packs for $10.99

’98 FORD Taurus 3.0 V6 For Sale: Parts or repair.

Needs transmission. $400/obo. 518-774-8726

SUPPORT YOUR LOCAL MERCHANTS. BUY LOCAL or BYE, BYE LOCAL!

WANT YOUR EVENT TO be a big hit book it now at the TRYON INN. 607264-3331

28th Consecutive YYear ear

NOW HELD IN THE EXHIBIT CENTER!!

HANDBELL CHOIR at Fort Plain Reformed Church on Tuesdays and Thursdays from 1-2pm, July 9 through August 2, $24. Directed by Norma Bowley 518-231-4043.

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

Call North Creek Heat 315-866-3698

2013 Nelliston Days Saturday, July 13th & Sunday, July 14th

Come to the 22nd Annual “Nelliston Days” FREE ADMISSION

Craftt Show w & Fleaa Market Sat.,, July y 13 3 & Sun.,, July y 14,, 2013

Startss 10AM M untill 6PM M Eachh Day att thee Villagee off Nellistonn Park,, E.. Mainn St.. (NYSS Rt.. 5) Foodd Availabblee att Randy’ss Kitchenn Alll Dayy Sat.. & Sun.

HARDD HATT EXPO

MARCH 19-20, 2014 WEDNESDAY 8-4 • THURSDAY 8-3

NEW YORK STATE FAIRGROUNDS 581 STATE FAIR BOULEVARD, SYRACUSE, NY 13209 Show Manager: Ken Maring 1-800-218-5586 or 518-673-0103 • Fax 518-673-3245

Visit Our Website: www.leepub.com Hard Hat Expo is Produced by the Trade Show Division of Lee Newspapers, Inc., Publishers of Hard Hat News • P.O. Box 121, 6113 St Hwy. 5, Palatine Bridge, NY 13428

FOR MORE INFORMATION CALL 1-800-218-5586

Saturday & Sunday: • J&M Amusements with Rides and Games • Florian’s World of R/C with Demos • Swap Meet for Auto & Motorcycle Parts Sat., July 13 - Cronkhite/Miller Easy Listening Music 1-4PM • Poker Run 9AM-5PM Sun., July 14 - “Big Al’s” Rock & Roll Show with Cruise-In Car Show 12-4PM • Chicken BBQ by Ted’s BBQ 11AM-?

A few vendor spaces are still available please call Barbara at 518-993-4674 or Lynda at 518-993-2213

Page 13

Original Valley PENNYSAVER • June 29, 2013

ENEA FAMILY FUNERAL HOME

MOHAWK VALLEY EYECARE Dr. Carol A. Balfe, O.D.

Formerly the Smith-Woody Funeral Home

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

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

Same Day Service on Some Prescriptions Fast Turnaround on Most Others

CALL: 518-673-2015 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 STOP IN & EXPLORE all our Collectibles and Antiques!

ThursdaySaturday 10-6pm at Always Treasured, 14 West Main Street, Little Falls, NY

Consignment Auction Tuesday July 2nd 6:00pm at JR’S Auction 56 Willett Street Fort Plain NY 518-993-4668 Already consigned are 100’s of household items, furniture, and much more!! Also Consignments, Tools, Antiques, and More!!

Bring your items and we will sell them and turn your items into CASH!!

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

Manager / Licensed Funeral Director St. Johnsville Resident

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

518-568-2300

www.vpennysaver.com

www.eneafamily.com

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 14

Original Valley PENNYSAVER • June 29, 2013

Page 15

Original Valley PENNYSAVER • June 29, 2013

PROVOST BROS. INC

July

ETAL M K C A Feed D N ADIRO SALES Special

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

WELL DRILLING

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

FREE ESTIMATES

518-868-2126

Buy 5 Bags or More of Feed in July and Get

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

25¢ Off a Bag

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 to come to the Auctions!! 518-993-4668

FISHING TOURNAMENT!! For the Central Mohawk Valley Lions Club. July 3rd, 9am-2pm.

Weigh, measure, and register at The Sportsman’s Den, 36 Canal St, Fort Plain, 993-1010.

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

1982 GMC TOPKICK, 3208 CAT diesel. 2K LB lift-gate. 100K miles. $5,000 obo. 315-8231608.

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

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

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

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

Michelle BURK r o f T I DOR EF N F June 29th BE at H.C. Smith Benefit Club 538 Crum Creek Road St. Johnsville Lunch 12-4pm Roast Pork dinner 5-6pm

Michelle is the daughter of Milton Smith. She was diagnosed with stage 3 lung cancer. No insurance at time of diagnosis resulted in overwhelming medical bills. Benefit will help defray high cost of continuing medical bills.

After partial lung removal, Michelle continues radiation and chemotherapy.

Tickets $15, under 6 free Contact Beth Scanlon at 518-774-9509

DJ

ion affle ale R S ore 0 M e 5 k s t / Lo Ba 50

uct A e s e

Chin

Live Auction with Benuel Fisher Auctioneer

Original Valley PENNYSAVER • June 29, 2013

Page 16

CUSTOM WOODCRAFTERS AND STOVES LLC

Major Credit Cards Financing Available

Route 30 - Mayfield - Phone 661-5914

Hampton

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

Day Old Chicks:

Broilers, Layers, Turkeys

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

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

518-568-5322

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 For Sale: Used Refrigerators, fully Warranted.

Call or stop in to Best Buy Appliances, 587 East Main Street, Little Falls, NY 315-823-0861

NEED TO REPLACE YOUR ROOF? We carry GAF/ELK Lifetime Warranty premium roofing architectural laminated shingles. 6 colors in stock with 14 available.

Call for prices. C.H. Burkdorf & Son, 35 Hough St., St. Johnsville 518-568-7016 NOW IS A GOOD TIME to protect your driveway with LATEXITE, the leader in driveway sealer! Premium Plus available in 5 gal pails at 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 solar flag lights and solar crosses on sale for $4.99 each 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 RAGTIME Pickers Delight! We even supply the flashlight. 2 floors of stuff for sale. 3,000 sq. ft.

39 Main Street, Fort Plain, NY ThursdaySaturday 1:00 ish - ?

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

LEECHES ARE IN!!

CRAYFISH ARE IN!!

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

Leeches, Crayfish, Crawlers, Salted Minnows, Shiners, etc…

The Sportsman’s Den, 36 Canal St, Ft Plain, 518-993-1010.

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

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 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 Fort Plain True Value and Just Ask Rental 12 Willett St Fort Plain (518)993-3834 UNADVERTISED SPECIAL! 6pk Scott blue shop towels for just $9.99!

Custom designed prom & wedding gowns to order with matching vest & ties for the gents. Mary Ann’s Mother’s Design 1315-985-0260, 1-315985-0395 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

Original Valley PENNYSAVER • June 29, 2013

Page 17

GO GREEN WITH 96% GAS BURNERS ASK US HOW WE CAN HELP

• Air Conditioning/Central Air Anywhere • Plumbing Installation & Repair • Complete Kitchen & Bath Remodeling UPSTATE NEW YORK RESIDENTIAL NATURAL GAS EFFICIENCY Remaining Funds For This Program: $2,395,806.00 Qualifying new equipment installed from 1/1/2013 to 12/31/2013 is eligible contingent upon availability of funds.

Rebate offers are subject to change without notice and the program may terminate due to funding constraints at any time.

The following rebates are offered in this program: Product Condensing Boiler AFUE* > 90% rating Non-condensing Boiler AFUE* > 85% rating Steam Boiler - electronic ignition AFUE* > 82% rating Furnace AFUE* > 90% rating Furnace AFUE* > 92% rating & ECM± Furnace AFUE* > 94% rating & ECM± Indirect Water Heater - attached to a natural gas ENERGY STAR® hot water boiler with > 85% AFUE* Boiler Reset Control - Add on unit attached to a forced hot water boiler 7-day Programmable Thermostats

Rebate $560.00 $350.00 $350.00 $140.00 $280.00 $420.00 $210.00 $70.00 $18.00

*AFUE = Annual Fuel Utilization Efficiency ± ECM = Electronic Commutated Motor Equipment installed from 1/1/2013 to 12/31/2013 is eligible contingent upon availability of funds. Rebate form and required documentation must be postmarked within 60 days of the reservation date. One account number per form. Some restrictions may apply. Rebate offers are subject to change without notice and the program may be terminated due to funding constraints at any time.

Additional Tax Credits Available On Most Equipment

Mattice & Sons Family Owned & Operated

518-441-0142

24 Hour Service & Free Estimates www.matticeandsonsheating.com

Original Valley PENNYSAVER • June 29, 2013

Page 18

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

Page 19

Original Valley PENNYSAVER • June 29, 2013 Fort Plain True Value and Just Ask Rental 12 Willett St Fort Plain (518)993-3834 3’x5’ poly/cotton US flag kits are on sale now for just $7.99

Anotherr Trailerr Loadd of Groceriess Hass Arrived!

2012 FORD Fucus SE hatchback, gray, 25k, 4cyl., auto, full power.

Great on Gas!! Sale: $15,995. John C. Miller, Inc. 518-762-7124 www.johncmiller.com

SPECIALS Colgate Toothpaste Buy 2 Get 1 Free Gum

The ONLY Place for your Wedding, Meetings, Events, Birthdays, Memorials, Christmas Parties, Anniversaries, etc. THE TRYON INN 607-264-3331

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

John C. Miller, Inc. 518762-7124

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

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

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

REFRIGERATOR 19 cu., $100.00; propane gas kitchen stove, $50.00; dishwasher, $50.00. Call 315-429-3253

MAKE our phone ring so we can return the favor!! Place your reader ad today. Only $4 for the first 14 words. 518673-3237 Need a new car? Get 0% financing at Sampson Motor Car where everyone is approved! 261 East Main Street Amsterdam. 518-848-7359 COME SEE the new collection from our new potters at Harry’s Pottery & Antiques, 103 W. Main St., Canajoharie. 518673-5584 2009 CHRYSLER PT Cruiser, black, 46k, 4cyl., auto, full power. SALE: $9,495. John C. Miller Inc. 518-762-7124 www.johncmiller.com 88’ CHEVY PICK-UP, 2WD, auto, runs good, $1,000. Car dolly, $500.

87 Suzuki quad-runner, $400. Best offer on all.

315-866-9131.

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.

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.

Canajoharie: 2 BR upstairs apartment.

Appliances included, Off-street parking, natural gas heat, pleasant downtown location. HUD approved. Tenant pays utilities. Security, references required. Call 518993-4255 or The Shults Agency 518-993-2387 x109

4 for $1.00

Taco Shells 2 for $1.00 Bottled Water 6 for $1.00 Cereals • Olive Oil Coffee Can Soups & More Mon-Wed-Thurs-Fri 8-5 Tues 8-6:30 Sat. 8-3; Closed Sun Credit Cards & EBT Cards Accepted

56 6 Willettt St.,, Fortt Plain,, NY Y 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!

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 29, 2013

Page 20

Rock City Iron holds Open House Rock City Iron, located on Route 5 at the cusp of the West end of Little Falls, recently held a two-day Open House celebrating the addition of the Simplicity line of mowers to the business.

The Simplicity line has adopted the Ferris technology and suspension, and offers zero turn mowers, lawn and garden tractors with a multitude of optional equipment.

Jason Stock, owner, was available to assist customers, as was Roger Stock. Joining the Open House was Brad Shea, factory representative, who also answered questions.

Area residents could view several different

models.

Also offered in the Simplicity line are tillers, generators and pressure washers and a full line of snow throwers.

Mayor Bob Peters and Legislator Kurt Ackerman also attended and congratulated owner Stock for the growth in his business.

Rock City Iron continues to offer parts and services for motorcycles, ATVs and snowmobiles, as well as welding fabrication.

“We now also offer warranty work on Simplicity machines, as well as service on other lawn equipment,” owner Stock said.

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

Fort Plain True Value and Just Ask Rental 12 Willett St Fort Plain (518)993-3834 Need a window or screen repaired? We can do them for you! Including double pane windows.

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

Fort Plain True Value and Just Ask Rental 12 Willett St Fort Plain (518)993-3834 We now have a selection of VGroove die cast pulleys available at our outdoor power parts department, along with a selection of V-Belts.

Fort Plain True Value and Just Ask Rental 12 Willett St Fort Plain (518)993-3834 Got dull scissors or knives? Bring them in and we can sharpen them for you

TED’s PAINTING and Home Repairs, Residential and Commercial, Interior and Exterior.

Summer Specials on all single family homes and decks. Call TED at 315429-3253

Fort Plain True Value and Just Ask Rental 12 Willett St Fort Plain (518)993-3834 We have fans in a variety of sizes and styles on sale now- prices starting at just $6.99 HOG CASINGS by the hank $26.95, Peruzzi’s Meat Market, 69 Church Street, Canajoharie.

518-673-3382 NEED WATER? Topping off pools, landscaping ponds, etc. 518-9932496, 518-332-4254

Whatchamacallits If you ever thought that only modern technology promoted multi-tasking and multi-use, you were mistaken. Long before pocket knives came with tweezers and your couch folded out as a bed, this tool existed.

It is a combined buggy wrench and boot jack. It could be stored in the buggy as a just-in-case tool (much like today’s lug wrench) and then, if one needed to take off his boots when on the road, he’d have the perfect tool handy! ~~ 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 21

Original Valley PENNYSAVER • June 29, 2013 3 Parcel Public Real Estate Auction Saturday August 3rd 10:00am Real Estate Sells 12:00noon 359 Fishing Rock Rd Newport/Middleville NY 13416 Parcel A & B 77 Acres, Parcel C 7.5 Acres with buildings, All 4 parcels border West Canada Creek!! Also will be selling Equipment, 3 Trailers, Snowmobiles, Tools, 2002 Handicap Van with lift, Furniture and much more!! Don’t Miss This Super Auction where we will be selling 100’s of tools and other items!!

CALLING ALL HOTALING’S! It’s time for the yearly reunion! To be held at Wiles Park in Fort Plain on Sunday, July 7th at 1pm. Please bring sandwiches, a dish to pass and a donation for the chinese auction. Hope to see everyone there!

Email questions to: celebrityblue@yahoo.com Consignment Auction Every Tuesday Night, 6:00pm at JR’S Auction 56 Willett Street Fort plain NY 13339 518-9934668 Good Quality Items Wanted!! If You Have Tools or Other Items You Want To Turn Into Cash Give Us A Call!!

Fort Plain True Value and Just Ask Rental 12 Willett St Fort Plain (518)993-3834 Our annual parking lot sale will be held on July 5th and 6th this year, from 9am-3pm both days!

Stop in and get some great deals!

INSULATION: All Types.

New/ Existing Buildings.

Free Estimates. Fully Insured. Call Upstate Spray Foam Insulation 315-822-5238. www.upstatesprayfoam.com Book your Wedding NOW at the Historic, Beautiful TRYON INN for a Lifetime of Great Memories. 607-264-3331 FOR RENT: 2 bedroom apartment in Canajoharie. Call 518-673-4411

TWO BEDROOM ILION upstairs, private parking, $450/month plus security and utilities. 315-8944411 CANOE FOR SALE: Aluminum, 13 foot Grumman, $150 takes it. 518568-8022 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.

JR’S Auction does on site Auctions, If you have too many items to move to our Auction place we can have the Auction at your location, We will do the set up for you and bring the buyers right to your items that you have for sale!! Turn your items into CASH!! Let us do the work for you!! It is what we do!! Call for quotes 518-993-4668 WE HAVE BAGS of 80# Quickcrete redimix (concrete, brick and all purpose), 94# portland cement, 70# mortar type(s), 70# all purpose sale, 100# black beauty sand blasting, and 50# water softener salt. All available at C.H. Burkdorf & Son, 35 Hough St., St. Johnsville 518568-7016 BETTER PAINT for BETTER PAINTING with Pittsburgh interior, exterior paint and stains available in 2000 new colors. You work too hard to paint with anything else. $3.00 mail-in rebate available to July 7. C.H. Burkdorf & Son, Inc. 35 Hough St., St. Johnsville 518-568-7016

Just A Reminder!

Cub Scout Bottle Drive is July 6th at Fort Plain True Value 9AM-Noon Your donation is greatly appreciated!

The family of Richard “Rick” Becker wants to thank everyone who called, sent cards, memorial donations, flowers, and all other acts of kindness after the passing of Rick on April 17th, 2013.

With most sincere appreciation, The Becker Family

Answers to this week’s puzzles

Page 22

Original Valley PENNYSAVER • June 29, 2013 Fort Plain True Value and Just Ask Rental 12 Willett St Fort Plain (518)993-3834 2 cu. ft. bags of Green Thumb potting soil is now just $7.99 and 2 cu. ft. bags of Miracle Gro potting mix is now just $9.99Get yours while supplies last!

AUTO MECHANIC NEEDED: Must have five years experience. Must have references. Own tools a plus. Weekdays no weekends. Pay based on knowledge. Call for interview. 518-993-4227 call between 9am to 3pm, no weekend calls accepted.

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.

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 Fort Plain True Value and Just Ask Rental 12 Willett St Fort Plain (518)993-3834 UNADVERTISED SPECIAL! 6’ ALUMINUM FIBERGLASS LOUISVILLE LADDERS FOR $44.99, THEN GET A $10 MAIL IN REBATE!

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

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

FAX SERVICE 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

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 Fort Plain True Value and Just Ask Rental 12 Willett St Fort Plain (518)993-3834 We will be closing at 12pm on Thursday July 4th, in observance of the holiday. Have a Happy Fourth of July!

For the Sportsman & woman’s wedding... Custom made camo vest, ties and gowns, garters, ring pillows & guest book & pens. Made to order by Mary Ann’s Mother’s Design 315-985-0260, 315-985-0395 VENDORS AND CRAFTERS WANTED for Medieval Fair at Windfall Dutch Barn, Salt Springville, August 1011. Contact Barbara at DragonsCreek@hotmail.com or call 518-993-2002 for more info The NEW EXPERIENCE. BowTech Experience that is. Try it out at Bellen’s Archery & Recreation. Get your gold tip arrows and a pro shop tune up. 7798 State Hwy 5, St. Johnsville, NY. 518-568-8022

Page 23

Original Valley PENNYSAVER • June 29, 2013

Party in the Perk 5 The Acoustic Coffee House’s all free 5th Annual Party in the Perk open mic event was held in the George P. Snyder Park in

Fultonville on Saturday, June 22.

Despite cloudy skies and competition from graduations a fairsized crowd showed

up to enjoy over 25 acts including singing, instrumental works and poetry readings.

Each performer or group got to perform

three selections.

Free food and drinks were provided to all, thanks to generous donations of area businesses and groups.

Deb Fish invited audience members to join in singing On the Bayou.

Photos by Lorna Quinn

Event organizer Tom Staudle introduced more than 25 acts.

Steve Surman performed on his acoustic guitar as well as served as sound technician.

The Empty Pockets from Fort Plain

Cosby Gibson is from Cherry Valley.

Neil Nusbaum sang She Called Me Baby Baby All Night Long.

Elizabeth Zerbst read some of her poems.

Free food including hot dogs, watermelon and ice cream was available throughout the event thanks to generous donations.

Page 24

Original Valley PENNYSAVER • June 29, 2013

Canajoharie’s 2013 graduating class salutes the future

by Elizabeth A. Tomlin Celebrating the first day of summer and embarking on new chapters in their lives, 65 Canajoharie Central High School seniors proudly walked off of the stage with their diplomas on June 21 covered in ‘Silly String’.

The Canajoharie High School Jazz Ensemble opened the ceremony and accompanied the seniors processional with ‘Pomp and Circumstance’, followed by the ‘Star Spangled Banner’.

The culmination of many years of memories and comradeship was evident in the speeches

Accompanied by Norma Bowley, (front to back) Salutatorian Katherine Rockwell, Valedictorian Melissa Bowley, Catherine Corrigan, Rosemary Trahan, Ashley Oeser, Jodi Streath, Hanna Wilday and Seth Ferguson led Alumni, guests and graduates in singing Canajoharie Central School’s Alma Mater at the 2013 Commencement Ceremony.

In a poignant moment, graduating CCS senior Rosemary Trahan receives her diploma from her father, CCS BOE Vice-President Eric Trahan.

Photos by Elizabeth Tomlin and remarks presented by Salutatorian Katherine Rockwell, Valedictorian Melissa Bowley, and the Class of 2013 Co-Presidents Ben Kane and Megan Balfe.

“The show must go on,” Bowley stated in her speech. “Time actually moves on. We are the change. We are the future.”

CCS Superintendent Deborah Grimshaw spoke to the graduates about how keeping a good attitude would improve their opportunities and their chances of success in the world. “You are in charge of your attitude,” Grimshaw stressed.

CCS Board of Education President Dr. Carol Balfe and BOE Vice-President Eric Trahan performed the presentation of diplomas.

The singing of Canajoharie’s Alma Mater, written by Diane Jennings, Alumni of the Class of 1952, was led by several of the graduating students and was accompanied by Norma Bowley on the electric piano.

Led by the Class of 2013 Co-Presidents Ben Kane and Megan Balfe (far right), graduating students take part in the 'turning of the tassels’ from right to left.

Original Valley PENNYSAVER • June 29, 2013

Page 25

Keeping our country free ~ WWII Veteran Tony Prime honored by ‘Honor Flight’ Tour

by Elizabeth A. Tomlin As July 4th rapidly approaches, folks tend to focus on the celebrations, fireworks and beach parties. However, here in the Mohawk Valley, WWII veterans are being honored for the part they have played in keeping our country free.

One such veteran is WWII Marine Veteran Alton (Tony) Prime of Canajoharie.

Prime was honored for his service to the United States with an ‘Honor Flight’ trip to Washington D.C. where he and his appointed ‘Guardian for the Day’, Marine Veteran John Manning, were flown to tour the WWII Memorial, the Tomb of the Unknown Soldier, the Iwo Jima Monument and the Arlington National Cemetery.

Prime and Manning recently joined Nancy and Garth MacFarland at Arkell Center in Canajoharie to report on the highlights of their trip.

The day began with Montgomery County veterans

shuttling Prime, Manning and several other WWII veterans to the Albany Airport.

“We were overwhelmed by how we were treated from the beginning to the end,” said Manning. “We were escorted by a sheriff’s department car, a fire truck from Herkimer and about 30 motorcyclists. All of the way to the Albany Airport there were ‘out riders’ that would pull out and stop traffic so we were never interrupted from the time we left the police station all of the way to the airport.”

About 50 Patriot Riders with American flags greeted the veterans at the airport, forming a corridor for them to pass through. “There were at least 100 people inside of the airport applauding and saying ‘thank you for your service!’ to Tony and the other veterans, it was breathtaking!” Manning said.

Politicians were also there to speak to the veterans. “It was so heart warming to have all of those people at the airport and

(L-R) Nancy MacFarland, WWII Marine Veteran Tony Prime, Marine Veteran John Manning, and Army Veteran Garth MacFarland gathered at Arkell Center to report on Prime’s honorary trip and take part in the celebration.

Photo by Elizabeth A. Tomlin

those folks that volunteered to be there just to greet us for that trip.”

Manning said that the Honor Flight veterans were first to board the plane and again they were treated with honor and respect throughout the flight.

Once the plane landed in Baltimore, fire trucks greeted them and began shooting water over the top of the plane from both sides. “We got into the airport and there were hundreds of more people than there had been at the Albany airport!” People consisting of active duty service men and women, school children, and volunteers, all reaching out to thank the veterans. A jazz band playing 40’s music was also there to greet them.

All through the tour crowds of people thanked the veterans everywhere they went. The return trip home was the same.

“I would tell any WWII veterans to enlist in this program and try to go on this trip,” said Manning.

“It’s absolutely amazing!”

Manning and Prime received a dvd with photos from their trip, which was shown at Arkell Center and Nancy MacFarland read a letter that her son, U.S. Army Major General Sean B. MacFarland, wrote to Prime thanking him for his service to the United States.

“You and your generation endured sacrifices unimaginable to members of my generation and the generations that have followed, but you have been an inspiration to us all,” Major General MacFarland wrote. “It is because of your service that I was able to grow up in a safe, prosperous and free America and follow my own dreams.”

For more information on Leatherstocking Honor Flights, call Dwight Thompson at 8538152, or Liz Rheinhardt 6733965.

Original Valley PENNYSAVER • June 29, 2013

Page 26

Holiday Propane Special!

Get your 20 lb. tank filled for

10

$

00

On July 2nd, 2013 from 9am-3pm limit 2 per customer (actual cost is $9.26 plus tax)

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

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

Donations needed

Little Falls-based animal rescue group H.A.L.O. (Helping Animals Live Organization) is in dire need of donations to help offset the medical costs for dental surgery for a number of their cats that has run into thousands of dollars.

H.A.L.O.’s mission over the years has been to take in and care for felines that are abandoned and have special needs or are strays with medical emergencies.

These types of cats often would have nowhere else to go for help and a second chance to find a home.

But, through H.A.L.O., they have found a home at H.A.L.O. House.

H.A.L.O.’s mission is to provide all the medical care needed, never to euthanize for convenience or because of money. To be able to do this, the group relies on expert veterinary care which can be quite costly.

Funds received through regular donations and fundraisers quite often are not

enough to meet these costs.

Gordy was one of these cats that needed extra care. He was found in a horse barn, a drop-off in the country. He had a deep gash under his armpit that needed surgery and he had old scar tissue on one eye. All at the tender age of a couple years old. He received care for his deep wound and is doing well, but now it has been discovered he needs to have most of his teeth removed because of severe gingivitis. Without it, he would suffer with the pain of his condition.

Despite several recent successful fundraisers, H.A.L.O. has outstanding medical bills that still need to be paid because of these situations. If someone would like to donate to the care of the cats for medical expenses, donations can be sent to H.A.L.O., c/o 72 N. Ann St., Little Falls, NY 13365 and mark for vet bills on the memo of the check.

For more information, call 315-823-0239.

H.A.L.O. is asking you to "put your money where their mouth is," like Gordy, a young cat that was rescued as a drop-off at a horse barn that needs costly dental surgery. Please consider making a donation today to help H.A.L.O. care for the many unwanted cats at their shelter. For more information, call 315-823-0239.

Original Valley PENNYSAVER • June 29, 2013 STONECRAFT: A manufactured stone veneer which delivers grace, charm and a powerful feeling of stone and offers distinctive irregular fieldstone shapes and natural looking broken edges. C.H. Burkdorf & Son, 35 Hough St., St. Johnsville 518-568-7016 100’s of items will be sold over the Auction Block on July 2nd at JR’S Auction 56 Willett Street Fort Plain NY Don’t miss out if you have items you need to buy or sell this the place to be!! Call for details 518-993-4668

HAVING A PARTY? Did you know the Canajoharie Volunteer Fire Department rents the kitchen and banquet room. For your convenience we now have an elevator. 518673-3812 Retail or Commercial Warehouse Space for Rent 100 square feet or 2000 square feet!! Industrial of manufacturing!!

Can be modified to meet your needs!! Contact 518-993-4668 for more info.

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.

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 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

TWO hard working college students who live locally and are looking for summer landscaping work. Includes lawn mowing and weed wacking. Contact at 518-3800013 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.

LOOKING FOR IT? Selling it?

Looking for work?

Looking to hire…

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

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.

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

Pet Expert 50lb dog food is on sale for $16.99 WOOD PELLETS Summer Sale on NEW ENGLAND PREMIUM PELLETS, with low ash.

(While supplies last!!)

C.H. Burkdorf & Son, 35 Hough St., St. Johnsville 518-568-7016 BEE EQUIPMENT: Motorized 6/3 frame extractor hive boxes, frames, foundations, bee suits, glass and extracting equipment. Call 518762-1279 DOLGEVILLE: Apartment For Rent, 2 bedroom, security & references required, $395/mo. Please call 315-868-3939 or 518568-2776 .9 Karat diamond ring plus 2 moon stone diamonds .13 Karats, $2,500. 518-775-3978

Page 27

Gun Shop - Loren Horender, Owner 738 Creek Rd., Little Falls ~ 868-4831

ONLY Open Saturdays 9-5 JULY SPECIAL: Brown Bear ammo 7.62x39 is $8.95/bx - while supplies last.

ALSO IN STOCK: 30-06, 308, 30-30, 45 ACP, 40 S&W, .22 & MORE

To your good health — by Paul G. Donohue, M.D. Dear Dr. Donohue: After 18 holes of golf, the tendons on the back of my heels hurt. What should I do? — C.K. Answer: The likely cause is inflammation of the Achilles tendon, the tendon of the calf muscle. It attaches to the heel. Don’t play golf for two weeks. Take Aleve if there’s no reason for you not to use it. Put warm compresses on it for 15 minutes three times a day. Try heel inserts, obtainable in every drugstore. When you start playing again, ice the tendon for 10 to 15 minutes after you’re through playing. (c) 2013 North America Synd., Inc. All Rights Reserved

Original Valley PENNYSAVER • June 29, 2013

Page 28

2007 Harley Davidson Sportster 1200 XL Custom

Excellent Condition!

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

518-378-3279 COUNTRY KIDS DAYCARE: Licensed. Has opening for infant-school age, hours 7am-5pm, large outdoor play yard, learning environment, meals provided. Many activities. Pre-school ciriculum, Summer and Fall spots available, Fort Plain.

518-993-5033, 518-774-3778.

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.

MAGNETIC SIGNS

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

for trucks and cars.

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

(518) 673-3011 ~ To Place Your Ad

HELIUM FILLED BALLOONS: Latex 2/$1.00 or 12/$6.00; Mylar/Foil $1.69 each at Twenty Two, 22 Church Street, Canajoharie. 518-6734322 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 COCKER SPANIEL Puppies, black with a little brown, very playful, $350.00. 518-673-4246

SEARS TWIN TRIKE: (tri wheels) 24” 3 speed, from 1970’s, in nice condition, new tires, $700 for both w/big baskets on back. Call 315-429-3253 FOR SALE: USDA inspected pork. All Natural, hormone & antibiotic free. Gray’s Garden & Greenhouse EBT accepted. 518-568-7770 Used Washers and Dryers for sale. Fully Warranted. Best Buy Appliances, 587 East Main Street, Little Falls, NY 315-823-0861

Concert on the Lawn series begins Folts Homes’ “Concert on the Lawn” series kicks off Thursday, July 11, at 7 p.m., on the Folts Homes’ campus located at 104 North Washington Street, Herkimer. Music that evening will be provided Paul Ryder.

The schedule for 2013 concerts includes the Weaver Believer Survival Revival on Thursday, July 18; Frank Canistra on Thursday, July 25 and Second Time Around Thursday, Aug. 1.

Admission is free to the public. Bring your lawn chairs.

Shown in photo are Fred Scerbo, Administrator and Florida Provenzana, Claxton Manor Resident.

Page 29

Original Valley PENNYSAVER • June 29, 2013 MASSEY FERGUSON 65 tractor/ backhoe with front end loader and extra rims, $4,000 or best offer. Dan 518-7060249 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 INCENSE BURNERS & gravity salters are in.

Harry’s Pottery & Antiques, 103 W. Main St., Canajoharie, NY 518-673-5584 DUCKS: Peking ducks 3 months old, $12.00; Welsh Harlequin, rare colored, runner, $15.00.

315-429-3077 Little Falls RAGTIME The other side sale. Nothing over $50.00. 39 Main Street, Fort Plain, NY ThursdaySaturday 1:00 ish to ?

NOW CARRYING Adirondack Bill’s Pickles.

Peruzzi’s Meat Market, 69 Church Street, Canajoharie. 518-673-3382 8 FOOT TABLES & folding chairs for rent.

Canajoharie Volunteer Fire Department 518673-3812 2007 FORD FREESTAR mini-van, V-6, automatic, DVD/loaded, 70,000 miles. Asking $7,100.

315-894-4411.

20x30 TENT with four sides for rent. Canajoharie Volunteer Fire Department 518-6733812 WANTED: OLD Fashioned wringer washing machine and tubs in good working condition.

Call 1-518-779-3959.

MUSICAL EQUIPMENT: Drums, guitars, amps, accessories. 27 West Main St., Little Falls, NY 315-823-1500

New and Used Appliances! Best Buy Appliances, 587 East Main Street, Little Falls, NY 315-823-0861 THANK YOU to all our customers for your patience while our street was being repaved. C.H. Burkdorf & Son CUFFE COMPUTERS offers affordable repairs and upgrades as well as custom built systems.

518-993-4833.

FOR SALE: 1929 Model A Ford, 2 door sedan, looks good, runs great, $10,900. Call 518-9932597 2003 cargo 148K, 100%.

4411

CHEVY 1500 van, V-6 auto, no rust, runs $2,900. 315-894-

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

Must have license and vehicle. Call 518-9934613

Palatine Nursing Home Touching Lives

Palatine Nursing Home is currently seeking A perfect summer day is when the sun is shining, the breeze is blowing, the birds are singing, and the lawn mower is broken.

Full-time, Part-time and Per Diem positions available.

Newly Implemented Competitive Pay Scale.

~James Dent

Exciting Employment Opportunities!

FROZEN Blueberries and Strawberries in bulk.

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

The St. Johnsville Rehabilitation and Nursing Center is currently seeking energetic, self motivated individuals to fill the following positions at our State of the Art Facility: • Full-Time Physical Therapist • Full-Time 2nd Shift CNA & LPN • Cooks • Food Service Professionals • Part-Time Housekeeper • Part-Time Maintenance Worker

VENDORS WANTED: For outdoor flea market and indoor craft market at Amish Country Commons. 518-993-3311 WE HAVE! Timberwolf log splitters. Call for pricing + models available.

North Creek Auto 315866-3698 FIREWOOD mixed hardwood, guaranteed hand stacked on truck, full cords, $180/delivered.

518-762-9705 50 Lb. LARD for $62.50, Peruzzi’s Meat Market, 69 Church Street, Canajoharie. 518-673-3382

Certified Nursing Assistants to join our team of dedicated healthcare professionals.

Apply Today: Palatine Nursing Home 154 Lafayette St., Palatine Bridge, NY 13428 518-673-5212

Apply Today St. Johnsville Rehabilitation and Nursing Center 7 Timmerman Ave, St. Johnsville, NY 13452 On the web @www.stjrnc.com Phone: (518) 568-5037 Fax: (518) 568-5477

In winter I get up at night And dress by yellow candle-light.

In summer quite the other way I have to go to bed by day. ~Robert Louis Stevenson

Page 30

Original Valley PENNYSAVER • June 29, 2013

Ayres Animal Shelter

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

LAYLA - Lovely 6 to 7 year old female Husky, 45 lbs. Came to the shelter on May 29th. She’s not good with cats or small dogs. Older kids only.

TUCK - Male Shepherd (and Akita?) mix. Found on Borden Road, Glen on May 1st. Big smiley guy, very strong.

Best with older kids and adults, not small children.

CRUZ - Handsome 1-2 year old white male Pit Bull, 55 lbs. Found on Garfield St. near Fisk Hill, Fonda in November 2012. Fine with kids. Not good with cats.

Housebroken.

RYAN - Male Pit Bull/American Bulldog mix, about 2 years old. Good with other dogs and with kids, not cats. Loves all people! Leash trained. Came to the shelter on May 18th.

EMMA - 1 1/2 year old female Pit Bull.

Found on Pine St., Tribes Hill in February 2012. High-energy, playful dog. Loves squeaky toys! Should be only pet in adult home.

ECHO - 1-2 year old female Pit Bull mix, 45 lbs. Found on Route 5, St. Johnsville in September 2011. Friendly, high-energy, strong. Good with some dogs, not cats. Ok with older kids.

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. Good with kids.

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

SAVE THE DATE Golf Tournament Saturday, July 20th

Page 31

Original Valley PENNYSAVER • June 29, 2013

Ayres Animal Shelter

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

PIPPA - Beautiful adult female Calico.

Found on a lawn on Hilltop Road, Sprakers on June 18th.

PIPPA’S KITTEN - Longhaired female PIPPA’S KITTEN - White and gray male Calico. Found in a box on a lawn on kitten. Found in a box on a lawn on Hilltop Road, Sprakers on June 18th.

Hilltop Road, Sprakers on June 18th.

ZARA - 5 year old longhaired black female. Found abandoned in Ephratah in July 2007. Sweet and playful. Needs quiet adult home. Fine with other cats.

Likes to be petted and brushed.

ROWDY - 1 year old tiger and white male. Found in a barn in Charleston in August 2012. Very playful and fun to watch. Good with other cats.

STORMY - 2 year old tiger female.

Came to the shelter on May 24th because her owner was moving. A very sweet cat. Special Needs (asthma).

ZORRO - 8 year old medium-haired male. Found on Stone Arabia Road, Fort Plain in December 2012. He’s a lover with QUEENIE - 2-4 year old female. Came a constant gentle purr. Very talkative! to the shelter on April 6th. Playful and affectionate. Fine with other cats.

Not good with dogs.

Spay & Neuter Clinics Call for dates and reservations.

Carolee at 518-673-5957

No Kill Shelter

NEEDED: Dry Dog Food

Original Valley PENNYSAVER • June 29, 2013

Page 32

DINING &entertainment ST. JOHNSVILLE AMERICAN LEGION POST 168 sponsored

BUS TRIP to YANKEE STADIUM

vs Yankees vs. Los Angeles Angels Thursday, August 15, 2013 Round Trip Coach & Field Level Seats Only

110 per person

$

Contact Carmen Licari: Home 518-568-7328 • Cell 518-727-6024 Tony Susi: Home 518-568-3464 • Cell 518-332-1556

Dine In Or Take Out 993-5306 Mon., July 1st

N Alll Youu Cann Eatt Pancakes 3-77 pm N Ham m Steakk w/Potatoo & Veg N Pattyy Meltt w/Fries

Tues., July 2nd N Chicken-n-Biscuitss w/Veg N Seafoodd Saladd Wrap w/Chips

Wed., July 3rd

N ALLL YOU U CAN N EAT SPAGHETTI 3-77 PM N Sm.. Tunaa Subb w/Fries N Spaghettii w/Meatballs,, Hott Sausagee and/orr Tosss Salad

Thurs., July 4th

DAVE’S DAWGS Wed - Sat 11-4 pm

CLOSED Havee a Safe 4th h off July

Fri., July 5th

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

Sat., July 6th

Dave Swart, Proprietor

Eat inside or out

6143 State Hwy. 5 Palatine Bridge, NY (Located in Amish Country Commons)

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

Sun., July 7th 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

Page 33

Original Valley PENNYSAVER • June 29, 2013

DINING &entertainment Wrath of Grapes Fine Wine & Liquor 51 Hancock St. Fort Plain, NY

Graduation & Party Headquarters Calll Forr Quantity y Discounts

518-993-2624

2 CHEESE PIZZAS

$15.99

PLUS TAX & TOPPINGS

2 LARGE SUBS $10.99

PLUS TAX

2013

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

Page 34

Original Valley PENNYSAVER • June 29, 2013

DINING &entertainment Hungry Bearr Cafe

(518) 568-2700 The Hungry Bear Cafe will be on vacation From Sat., June 29th until Monday, July 8th.

We will reopen Tuesday, July 9th.

Have a Safe & Happy 4th of July.

Thank You, Rose & Scott Hongo

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 35

Original Valley PENNYSAVER • June 29, 2013 CLIP & SEND

IL A M L L A C R O

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

Original Valley PENNYSAVER • June 29, 2013

Page 36

This is a hammer

STEEL ROOFING SALE

525 E. Mill St., Little Falls

(315) 823-1709 40 McKinley Rd., Dolgeville

HARDWARE STORE

(315) 429-9962

Full line of Building Materials - Customer Steel Orders including Garages, Pole Barns, House Packages.

Complete line of Treated Lumber for your deck projects.

1

$ 49 on Seconds Steel Roofing. Many Color In Stock.

Lin/Ft

2

for Custom Size

Edge $ 10 Weather Standard Color 25 Lin/Ft

Year Warranty

This is a hammer

by Samantha Mazzotta Dented wood floor can be repaired Q: My apartment has this cool original wood floor made up of wide pine planks. They’re painted over, so scratches haven’t been a problem. But there are a few spots where heavy furniture or dropped items dinged and dented the wood. Is there a quick way to repair these spots? — Carla in Taunton, MA A: There’s an interesting fix you can try, using a clothes iron and a damp towel to try and bring up the dent. Because the dent is a compression of the wood, using dampness and heat may help the wood to expand and minimize the dent.

This technique is not one that I would recommend for floors with a heavy coat of wax (as some older floors do), because the heat may discolor the finish, but since your wood floor has just a coat or two of paint, you shouldn’t have much of a problem. However, the paint may bubble or crack due to the initial damage and the expansion of the wood, so have some matching paint handy in order to touch up the area afterward. (As always, test a less-conspicuous area of the floor before making the repair.)

First, dab the dent with a wet rag to soak the wood a bit. Wait a couple of minutes. While you’re waiting, fill the reservoir of your clothes iron and turn it on high, with full steam setting.

Once the iron is hot, place a damp towel over the dent. Place the iron atop the towel, holding

by Samantha Mazzotta Make hay while the sun shines Q: I always order a few cords of firewood in the summer, even though I will not likely need it until late fall. That way I can stack the wood the way I like it and make sure it seasons evenly between now and winter time. And I don’t have to pay a premium or compete with all the other folks trying to get their firewood in the fall. Hope your readers find this useful! — Carl F., White River Junction, VT A. Good tip! June’s milder temperatures are a great time to start outdoor repair and maintenance projects. In northern states, homeowners can begin preparing the house for winter weather; in the southeast, the lull between spring storms and fall hurricanes gives people breathing room to shore up their homes and yards, and replenish emergency supplies.

If you have a fireplace, schedule a professional inspection and cleaning this month — again, it will help you beat the fall rush, and many chimney cleaners offer discounts during the slow season. If you have a septic tank, schedule its

annual inspection for this month, too — it may not need to be pumped out every year, but the tank and related systems, including the drain field, should be checked for small problems before they become big, expensive problems.

Outside, finish spring cleanup in the yard and garden.

Grab a ladder and a helper, and climb up to the roof to see if there’s a lot of debris or damage to the shingles, eaves or soffits. Visually inspect the gutter system for damage, debris dams, rust or other problems. Again, the sooner you tackle smaller issues, the less costly the repairs will be.

Finally, get your air conditioner ready for the hotter months.

Change the air filter, and purchase a few more if necessary so you can change the filter every month until October. If the A/C unit hasn’t been inspected in a few years, have a professional come and do a complete system inspection, including the unit, blower, vents and registers.

HOME TIP: Attach a gutter screen to the top of your home’s downspouts to reduce or prevent blockages and damage. (c) 2013 King Features Synd., Inc.

it directly over the dented area and trying to avoid the surrounding floor. Move the iron in a circular pattern while applying full steam, for about three minutes. Lift the towel to check your results. If the dent appears to be less deep, reapply the iron for a minute or so, checking each time until the dent is almost level with the rest of the floor.

Once the area has cooled, repair the cracked or bubbling paint over the dent. Sand away the damaged paint, wipe clean with a damp cloth, and touch up the spot with matching paint.

HOME TIP: Placing runners or area rugs in high-traffic areas of your home can reduce minor damage to hardwood flooring. (c) 2013 King Features Synd., Inc.

Page 37

Original Valley PENNYSAVER • June 29, 2013

&

Antiques & Auctions

Collecting

by Larry Cox Cruet set Q: I have a condiment cruet set that includes containers for mustard, salt, pepper, vinegar and oil. It is just over 7 inches high and is in the Blue Willow pattern. The only mark is “Japan.” I love the set and use it every day, but have always been curious if it has much value. — Laura, Ramona, CA A: Your cruet set is worth in the $175 to $200 range, according to Mary Frank Gaston, a collector and expert.

She is the author of “Blue Willow: An Identification and Price Guide” published by Collector Books.

Q: I have a copy of Time magazine dated March 3, 1923, which is Vol. 1, No. 1, the premiere issue. It is in fairly good condition, and I need to determine if it is a reprint or an original. — John, Sun City West, AZ A: Time was founded by Henry Luce and Briton Hadden. Their aim was to produce a publication that featured short, concise summaries of events. The magazine, even from the beginning, was extremely popular.

To determine if you have an original issue, I suggest you show it to some of

the established used and rare book dealers in your area.

This first issued has been reprinted several times, so an expert’s opinion is certainly necessary.

According to several collectors I contacted, if it is authentic and in good to very good condition, it would retail for about $150. The first issue of Life Magazine, published Nov. 23, 1936, generally sells in the $75 to $150 range.

Q: After my father passed away, I came across several old stocks and bonds dating back to 19181929. Some of them are from the National Diversified Corporation, Buffalo Oil and Gas, Texlovana Producing Refining and Hannibal Rubber Company. How do I go about finding out if any of these are still valid stocks?

I tried looking them up, and I couldn’t find out anything that was helpful. — Susan, Alton, IL A: Pierre Bonneau, CEO of Stock Research International, has been in business for more than 45 years, and he can help you.

Contact him at P.O. Box 2359 Vineyard Haven, MA 02568; ssi@stockseachintl.c om; and 800-5384523. (c) 2013 King Features Synd., Inc.

HOSKING SALES Weekly Sales Every Monday starting at 11:30 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, June 24th sale - cull ave. .65 Top cow $.83, bulls/steers $.70 $.98, bull calves top $1.23, heifer calves top $1.05, Dairy feeders $.50 - $.70. Slaughter hogs $.64.

Monday, July 1st - Monthly Fat Cow & Feeder Sale. 3 Springing heifers from heifer grower.

Monday, July 8th - Monthly Heifer Sale.

Monday, July 15th - Monthly Sheep, Lamb, Goat & Pig Sale.

Sat., July 20th - In Wellsboro, NY - 9:00AM. J&C Wholesale Auction from Antique to Modern, check out website for pictures and full details.

Monday, July 22nd - Normal Monday Sale.

Monday, July 29th - Normal Monday Sale.

Saturday, Aug. 31st - 2PM - Empire State Farms - Total Fullblood Wagyu Dispersal. 170 Head sell, for full details contact James Danekas 916837-1432, Mercedes Danekas 916-849-2725 or www.jdaonline.com.

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

NOTE STARTING JULY 1ST WE WILL BE STARTING OUR MORNING MISC. & SMALL ANIMALS AT 11:30 AM DUE TO THE INCREASE VOLUME ALL OTHER SALE TIMES WILL REMAIN THE SAME. 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

KING’S

ANOTHER TRACTOR TRAILER LOAD OF

MATTRESS SETS

FROM THE LEADING MATTRESS COMPANY; KING, QUEEN & FULL SETS IN THE “I” SERIES & ALSO GEL MEMORY FOAM FOR AUCTION ON Saturday, June 29TH Saturday, July 6TH & Saturday, July 13TH at 6:33 PM Also can be purchased in store.

Regular hours 9am-5pm, closed Sunday & Tuesday 689 Burrows Rd., West Winfield, NY • (315) 822-5221 WE ACCEPT CASH - CREDIT CARDS - GOOD CHECKS Store Hours: M 9-5; W-Th-F 9-5; Sat 9-5; Closed Sunday & Tuesday

Original Valley PENNYSAVER • June 29, 2013

Page 38

&

Antiques & Auctions KING’S Collecting

Wed., July 3rd Food Auction ~ 6:33pm

Sat., July 6th Consignment Auction ~ 6:33pm Sat., July 13th Consignment Auction ~ 6:33pm Sun., July 14th Breeder Sale ~ 11:33am Burrows Rd., West Winfield, NY • (315) 822-5221 WE ACCEPT CASH - CREDIT CARDS - DEBIT CARDS

Household Auction

Sat., July 13, 2013 10:00 AM 285 Canal St., Fort Plain, NY Selling: 2005 Hyundai Elantra w/30,000 mi; MF 85 lawn mower; 6x8 shed; lawn furniture and tools; ext. ladder; step ladders; band saw; planer; table saw; drill press; shop tools; kitchen table w/6 chairs; dishes and glassware; dining room table set w/buffet and china closet; marble top tables; player piano w/rolls; antique toys; old dolls, books and postcards; steam and airplane model engines and magazines; stamp collection; old records; glass collection; silverware; jewelry; Lionel trains; 5 piece bedroom set; 7 piece blonde maple bedroom set; swiss cuckoo clock; sofa; chairs; couch; cedar chest; quilts; and much more.

Preview 8AM • Refreshments Available TERMS: cash or check For pictures go to auctionzip.com

Armitstead d Auctions 518-993-22900 • cell:: 518-569-9241 Rest is not idleness, and to lie sometimes on the grass on a summer day listening to the murmur of water, or watching the clouds float across the sky, is hardly a waste of time. ~John Lubbock

by Larry Cox Sewing machine Q: I have an old electric Singer sewing machine. It is in working condition. Whom can I contact to find out if it has any value? — Carol, Stottville, NY A: Most electric sewing machines are fairly common and of little interest to serious collectors.

Judging from the photographs you sent me, I think your machine is probably from the 1940s or early ‘50s. Most of the Singer machines from this period sell for less than $100 at auction.

Q: During a move, one of the rockers from a rocking chair was broken off. I would like to have it repaired, but have no clue how to find a reliable restoration business in my area.

— Mary, Rio Rancho, N.M. A: You can find restoration businesses by checking the Yellow Pages of your phone book or by going online. I suggest you contact several repair people and then pick the one who sounds most competent and reliable.

Always check with the Better Business Bureau to see if there have been any complaints recorded.

Always ask for references.

Q: My greatgrandmother had a china cabinet that probably was made in about 1880. It is

tiger oak and really a beautiful piece of furniture. My problem is that the doors have curved glass and one of the panels is broken. Does anyone still make curved glass for Victorian pieces? — Steve, Gunnison, CO A: B&L Antiqurie, Inc. is a business that specializes in the replacement of curved glass.

Contact is 6217 S. Lakeshore Road, P.O. Box 453, Lexington, MI 48450; bentglasscentral.co m ; information@bentglasscentral.com; and 800-840-1110.

Q: I have an opportunity to buy a pair of candlesticks made by Fenton in ebony with autumn leaf decoration. They are priced at $75 in a local shop. — Carlie, Hastings, NE A: The candlesticks were made during the 1990s and are not that old or rare. I checked several guides, and the set in ebony seems to retail for $40.

Q: I have several books of old World War II ration stamps. Any value?

— Wanda, Phymouth, Ohio A: WWII ration memorabilia is still fairly plentiful. Old ration booklets generally sell for less than $10. (c) 2013 King Features Synd., Inc.

Original Valley PENNYSAVER • June 29, 2013 Chicken BBQ!!

JR’s s Auctions

56 Willett St., Fort Plain, NY 13339 ( 518)) 993-4668

Public Consignment Auction

Page 39 The Auction Way!

Tuesday Night!! July 2nd • 6:00pm

Already Consigned: Furniture, Household items, and much more is still coming!!!!!

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

Public Consignment Auction

Tuesday Night!! July 9th • 6:00pm

Furniture, Household items, and much more is still coming!!!!!

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

Public Antique Pharmaceutical Auction

Thursday, July 18th • 6:00pm Contents of the local Fort Plain Drugstore from the early 1900’s, these drugstore contents have been on display in a private local building!! These antiques will be moved to our Fort Plain location and sold with no reserves over auction!! Items include: solid oak cabinets, showcases, early cheese box with cutting board, medicine cabinets completely stocked with bottles and items from the early 1900’s, Humphrey Veterinary Medicine Cabinet stocked with antique items, 8 different size scales, 1-marble and brass scale, 1-porcelain Ex-Lax thermometer, porcelain drug store tin signs, prescription ledgers from 1900’s, leather doctor bags completely stocked with utensils, 100’s of medicine bottles, 100’s of Thomas Clark Signed and Dated Gnomes, and much more will be found as we set up for this super auction!!

Unbelievable Antiques & Collectables That Have Never Before Been Over Auction!!

This is only a partial list!!!

Much more will be found as we set up for this super auction!!

Special Pony, Small Animal and Tailgate Consignment Auction Saturday, July 29th • 10:00am Animal Consignments Wanted!! Also Tractors, Tools, and other consignments Wanted!!

All animals must have updated coggins test. Contact JR for info 518-993-4668

3 Parcel Public Real Estate Auction Saturday, August 3rd • 10:00am. Real Estate Sells 12:00 noon Parcel A 77 Acres, Parcel B 7.5 Acres with Buildings, Parcel C 2 Acre Building Lot n/a, All 3 Properties Border West Canada Creek!! Also Equipment, 2 Enclosed Trailers, Snowmobiles, Tools, 2002 Handicap Van with lift, Furniture and more!! Don't Miss This Super Auction with 100 's of tools and other items!!!!

359 Fishing Rock Rd., Newport/Middleville, NY 13416 Take Rt. 28 to Middleville turn Left on Fishing Rock Rd., or Rt. 169 West of Little Falls to Middleville turn left at light go 1/3 mile to Fishing Rock Rd. on Right. Pictures and details on auctionzip.com ID 29324

Special Antique Consignment Auction!!

Thursday, September 19th • 6:00pm Selective Antique Consignments Wanted!! Already consigned is a Turn of the Century Walnut 11 Piece Dining Room Set!! More being consigned!! Watch for pictures!!

Page 40

Original Valley PENNYSAVER • June 29, 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, July 8, 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

June 15 Puzzle Page Winner: Congratulations DANIEL S. BYLER of Palatine Bridge, 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 41

Original Valley PENNYSAVER • June 29, 2013

Dollars and sense

by David Uffington Making a smooth move Do you have a move in your future? There is more to a successful move than just calling the first moving-company number you find in the telephone book. As with any transaction that involves an exchange of money for services, there is a possibility of being scammed unless you’ve very careful.

The earlier you start the process of finding a mover, the more likely you will find one you can trust to do the job you need.

Make your first step the Department of Transportation site, www.protectyourmove.gov. Carefully review all the various sections and become familiar with the possible pitfalls and steps you should take. Be sure to read the Moving Fraud Prevention Checklist, Red Flags of Moving Fraud and Moving Broker Checklist.

Learn about binding versus non-binding estimates, what to do if the mover refuses to deliver your goods unless you pay more money (a violation of Federal regulation), and your rights and responsibility.

When it comes to hiring a mover, start with recommendations from friends. No matter how highly recommended a mover is, however, you’ll want to get estimates from more than just one. The more movers you interview, the better your chances of hiring an honest one

that won’t damage your property. Count on conducting six to 10 interviews, on the phone and in person, before you decide.

Get written estimates that include the estimated weight of your goods and all charges for moving.

Ask about possible extra charges for packing mirrors, mattresses and breakables.

Refuse to sign any blank documents or documents that are not completely filled out. Granted, all of the information on the documents cannot be completed, but the only blanks should involve the actual weight of the goods, which will be determined at shipping. Refuse, too, to sign any “revised written estimate” after the goods are loaded on the truck and the mover wants to increase the cost.

With the exception of the exact shipping weight (which should end up being very close to the written estimated weight), nothing should change after the goods are loaded.

Warning flags that should kill any deal in selecting a mover: No local address or license, no company trucks with the name on the side, lack of information on insurance on the website and giving an estimate of costs over the phone.

Consult the Better Business Bureau in your area before you make a final decision on a mover. (c) 2013 King Features Synd., Inc.

REAL ESTATE Canajoharie Office, Store, Restaurant FOR RENT - 29 CHURCH STREET Large 16’x70’ but can reduce size if needed.

Will do some building to suit. $595 But will Negotiate if Smaller Size is Needed

518-673-5938, No Answer in 3 hrs 518-365-2976

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

What should I look for when deciding on a community?

Select a community that will allow you to best live your daily life. Many people choose communities based on schools. Do you want access to shopping and public transportation?

Is access to local facilities like libraries and museums important to you? Or do you prefer the peace and quiet of a rural community?

When you find places that you like, talk to people that live there. They know the most about the area and will be your future neighbors. More than anything, you want a neighborhood where you feel comfortable in.

Source: HUD.gov

Do I really need homeowner’s insurance?

Yes. A paid homeowner’s insurance policy (or a paid receipt for one) is required at closing, so arrangements will have to be made prior to that day.

Plus, involving the insurance agent early in the home buying process can save you money.

Insurance agents are a great resource for information on home safety and they can give tips on how to keep insurance premiums low.

Source: HUD.gov

Page 42

Original Valley PENNYSAVER • June 29, 2013

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 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 843-

2300. (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.

• Tues & Thurs - 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.

JUL 1-5 Christian Lake Bible Conference Pastor Brett Popp of the Christian Church of Charleston Four Corners, Sprakers, NY, will be the guest speaker.

Services will be held Mon. - Fri. at 7:45 pm with the guest speaker of the week with a bible

class Tues. - Fri. mornings at 9 am. Please check with the office for details. Drive-ins are welcome at either service and are open to the public. Also included are a campground, beach, boats, fishing and camps available for public use, with a reservation. A large activity building, Prodigal’s Refuge, with kitchen facilities, is available for church groups to use during the season. A bonfire every Friday evening after the message in front of the “Refuge” building at the close of each week. For more info on activities as well as rules and regulation, please call 315-4293659 or on the website at christianlakebible

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

Original Valley PENNYSAVER • June 29, 2013

Calendar of Events conference.com A park picnic is planned for July 4. The public is invited.

Please bring a dish to pass and have an enjoyable day.

JUL 2 - AUG 31 Cooperstown Farmers’ Market Noon - 5 pm. 8 vendors feature local food and artisan products. Located at 101 Main St., Pioneer Alley, in Cooperstown, NY. Snap Program EBT services. For more information, call 607-547-6195 or visit www.otsego2000.org

JUL 3 The 4th on the 3rd Celebration Wiles Park, Fort Plain, NY. Schedule of Events: • 9 am - 3 pm: Fishing Derby. Sign up at the Sportsman’s Den. Free event.

Children and adult classes. Sponsored

by Central Mohawk Valley Lions Club.

• 3-9 pm: Bounce House sponsored by Price Chopper.

• Inflatable Slide & Obstacle Course.

• Craft Fair Booths • Non-profit organization booths • Hot dogs, Hamburgers,

Fried Dough, Soda & Water • 3-11 pm - Wayne Tucker DJ & MC for the day • 2-5 pm: Music by the Dependents. Jocely & Christian Arndt with Evan Scarles & Valerie Hoffman.

• 4-7 pm: Brooks Chicken BBQ. Benefit of the Reformed Church • 4-8 pm: Horse Drawn Hay rides to the Ft. Plain Museum. Free event.

• Old Time Photo Booth.

Free.

Sponsored by Empower Federal Credit Union • 5-8 pm: Utica Zoo demonstration and exhibit, sponsored by Fuccillo Autoplex of Nelliston • 5-8 pm: Music by Cleen Street Band, funded by NYS Council of the Arts • 5-9 pm: Melvin the

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

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

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

Glen Reformed Church

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

Magnificent Balloon Artist sponsored by Empower Federal Credit Union • 5-9 pm: Rock Wall Climbing • 5 pm: Fishing Derby Trophies announced • 6 pm: Little League All Star Exhibition game • 6-8 pm: Just for Fun Bingo with prizes. Free event • 6 pm - ??: Horseshoe Tournament sign up, play at 6:30 pm, sponsored by Canajoharie Fort Plain Elks • 8-11 pm: Music by Spike and the Boys Band, funded by NYS Council of the Arts • 9:45 pm: Enormous Fireworks Display, underwritten by Big Bang Club, NBT Bank and Yerdon Foundation.

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

Page 43

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 29, 2013

Page 44

Calendar of Events 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.

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

JUL 12 4th Annual Ice Cream Social St. Johnsville American Legion, Main St., St. Johnsville, NY. 5:30-8:30 pm. Sponsored by the PNC Catholic Church of St. Johnsville. Featuring will be entertainment by Eclectic Songs. Linda Terricola, owner of Eclec-

tic Songs will be the MC & DJ for this event, www.eclecticsongs.com Tickets are $4 - Adults; $2 - Children 10 & under, free for children under 5; $1 for hot dogs.

Ice Cream donated by Stewarts Shops and Hot Dogs & Rolls donated by Little M Market. All proceeds will benefit the PNC Catholic Church of St. Johnsville.

JUL 13 Bleecker Community Church’s Annual Auction Bleecker Community Church Hall, 641 County Highway 112, Bleecker, NY. 10 am. Henri Lebel will again be the auctioneer. This is a variety auction which has a little of everything and includes home baked items. Held

inside with seating provided.

Refreshments available. For more information, call E. Brooks 518-725-6784.

Caroga Lake Block Party Sherman’s Park, Caroga Lake, NY. Starting at 11 am. Bouncy houses, Carousel rides until 4, Saving Atlantis live band from 5-9 pm, beer tent, and fireworks at 9:45 pm.

Hamburger/Hotdog BBQ NBT Bank, Canajoharie, NY. 11 am. Sponsored by the Mohawk Valley Women’s Club. Hamburgers, hotdogs, salad, beans, ice cream and a beverage. Proceeds going to the USO. Tickets are $7 and will help the USO with their many projects

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 29, 2013

Calendar of Events for our troops. If you can’t join us but want to contribute, please mail donation to The Mohawk Valley Women’s Club, Treasurer, 158 Montgomery St., Canajoharie, NY 13317. Checks must be made out to the USO. Contact Nancy Mac Farland, 518-673-3633.

Sprite Club: We Give a Dam Raffle Sprite Club. 12 cash prizes. Drawing July 13 at banquet. Donation $100. Grand prize $5000

2-12 $1000 each. For RSVP call Donna Boucher at 315-429-8803 or the Sprite Club at 518568-7099 and leave a message. Tickets available.

JUL 20 Ayres Memorial Animal Shelter 11th Annual Golf Tournament Canajoharie Golf & Country Club, St. Hwy 163, Canajoharie, NY. $70/person (non-member), $51 (CGCC member). 4 player scramble &

~N~

SELL

putting competition. Fee includes coffee, juice and donuts at registration (9:30 am), greens fees & cart, tournament fee, donation to shelter and lunch after tournament.

Tee time is 10:30 am.

Longest drive, closest to the pin & closest to the line. Door prizes and raffles. All proceeds from the tournament directly help the homeless animals..

Contact The Country Club Golf Shop, 518-673-8183.

AUG 24 Fifth Annual Reign Fest: NY Dolgeville Central School auditorium, 38 Slawson St., Dolgeville, NY. 2-10 pm. Grammy nominated

Page 45 “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.

‘06 HARLEY SOFTAIL STANDARD

Low Mileage, Runs Great, Looks Great

$9,500

315-219-2939

Original Valley PENNYSAVER • June 29, 2013

Page 46

Automotive and Car Care

The Tire Shop

THIS WEEK’S SPECIAL!!

2006 CHEVY MONTE CARLO LS

Maroon, Only 47,000 Miles!! V6, Auto, AC, CD, Full Power

A Multi Line Dealer

NEW & USED TIRES • TIRE REPAIR AUTO ACCESSORIES ON THE FARM TIRE SERVICE CUSTOM WHEELS OIL CHANGES 155 Erie Blvd., Canajoharie, NY

OPEN: Mon. - Sat. 8-5

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John n C.. Miller,, Inc.

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Trouble shooting Car trouble doesn’t always mean major repairs. Here are some common causes of trouble and techniques to help you and your technician find and fix problems: • Alternator - Loose wiring can make your alternator appear defective. Your technician should check for loose connections

and perform an output test before replacing the alternator.

• Battery - Corroded or loose battery terminals can make the battery appear dead or defective.

Your technician should clean the terminals and test battery function before replacing the battery.

• Starter - What

appears to be a defective starter actually may be a dead battery or poor connection.

Ask your technician to check all connections and test the battery before repairing the starter.

• Muffler - a loud rumbling noise under your vehicle indicates a need for a new muffler or exhaust pipe.

• Tune-up - The old-fashioned "tuneup" may not be relevant to your vehicle.

Fewer parts, other than belts, spark plugs, hoses and filters, need to be replaced on newer vehicles. Follow the recommendations in your owner's manual.

Source: www.consumer.ftc.gov

Original Valley PENNYSAVER • June 29, 2013

Sale Starts June 28th & Ends July 5th, 2013

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

Page 47

Original Valley PENNYSAVER • June 29, 2013

Page 48

Herkimerr County

FAIR 2013

FRANKFORT,, NY AUGUST T 13-18

“COWBOYS S & CAROUSELS”

TUESDAY, AUGUST 13th 3:00 P.M. - OPENING CEREMONIES - Memorial Park 4:00 P.M. - Gates Open 6:30 P.M. - JR. MISS, LITTLE MISTER, LITTLE MISS PAGEANTS 9:00 P.M. - PRINCESS, PRINCE, & QUEEN PAGEANTS 10:30 P.M. - FIREWORKS

WEDNESDAY, AUGUST 14th 10:00 A.M. - 4:00 P.M. - CHILDREN'S DAY Children 11 & under admitted free (Rides open at noon) 9:30 A.M. - YOUTH DAIRY SHOW 6:00 P.M. - CENTRAL NY GARDEN TRACTOR PULL 7:30 P.M. & 9:30 P.M. - "SHANIA TWIN"

THURSDAY, AUGUST 15th 10:00 A.M- 4 P.M. CHILDREN'S DAY Children 11 & under admitted free (Rides open at noon) 1:00 P.M. - ICE CREAM GIVEAWAY 7:00 P.M. - “DOUBLE R & BROKEN B RODEO” 7:30 P.M & 9:30 P.M. - "JEREMY MILLER"

FRIDAY, AUGUST 16th 10:00 A.M. - 4:00 P.M. - Family/Senior Citizen Day (1/2 Price Admission until 4 P.M.) 9:30 A.M. - OPEN DAIRY SHOW 11:00 A.M. - 2:00 P.M. - AGRICULTURE SCAVENGER HUNT 11:00 A.M. - 2:00 P.M. - SENIOR CITIZEN'S BINGO-FREE 3:00 P.M. & 5:30 P.M. - PEDAL TRACTOR PULL 5:30 P.M. - IDOL SEMI-FINALS in the Karaoke Building 7:00 P.M. - DEMOLITION DERBY 7:30 P.M. & 9:30 P.M. "DNA" Music Variety

SATURDAY, AUGUST 17th 9:00 A.M. - YOUTH/OPEN HORSE SHOW 11:00 A.M. - SOCCER KICK 11:30 A.M. - OPEN ANIMAL SHOWS 12:00 P.M. - TALENT SHOW 4:00 P.M. - CHILDREN'S RODEO 6:30 P.M. - 4 WHEEL DRIVE TRUCK PULL (Diesel & Modified) 7:30 P.M. & 9:30 P.M. "JD & ROLLIN SOUTH"

SUNDAY, AUGUST 18th 10:00 A.M. - TRACTOR PULL 11:00 A.M. - HOOP SHOOT 1:00 P.M. - ANIMAL COSTUME CLASS 2:00 P.M. - IDOL FINALS 3:00 P.M. - FARMYARD OLYMPICS 4:00 P.M. - CHILDREN'S RODEO 7:00 P.M. - 4-WHEEL TRUCK PULL (Stock) 6:30 P.M. & 8:30 P.M. "Fritz’s POLKA BAND"

Everyday Acts Include: Hansen’s Spectacular Circus Thrill Show Granna Cratchet & the Barnyard Cackle Review

ADMISSION Adults $7.00 - Children 5-11 $3.00 Under 5 Free Adult Advance sale $5.00 sold only until August 12 (nonrefundable - send SAFE to PO Box 47, Frankfort, NY 13340) Also ride specials - check web: www.HerkimerCountyFair.org

DREAM BIG IN 2013! • Food from Fairs Will Feed the Hungry.

Donate Non Perishable Food Daily at the Fair & have a chance to win daily prizes & Grand Prize the last night of the fair.

Herkimer County Fair Association, Incorporated P.O. Box 47, Frankfort, New York 13340 • 315-895-7464 Fax 315-894-0016 Email info@HerkimerCountyFair.org • Website www.HerkimerCountyFair.org

Page 1 - Section B • ORIGINAL VALLEY PENNYSAVER • June 29, 2013

June 29, 2013

June 29, 2013 • ORIGINAL VALLEY PENNYSAVER • Section B - Page 2

Sam Licari -Broker 518-568-2776

2 Locations To Serve You

St. Johnsville Branch

Dolgeville Branch

54 East Main Street, St. Johnsville NY 13452 • (518) 568-2776

10 E. State St., Dolgeville NY 13329 • (315) 429-9750

Debbie Sicilia - Agent 518-495-5770

Bob Snell - Agent 518-321-9897

Heidi Mouyos - Agent 315-717-7269

John Case - Agent 518-281-8008

RESIDENTIAL

FORT PLAIN - 1835 Clinton Rd.

Chuck Provorse - Agent 315-429-9284

Jim Van Deusen - Agent 518-332-6769

Tony Licari - Agent 315-868-3939

LISTINGS

DOLGEVILLE - 54 S. Helmer Ave

ST. JOHNSVILLE - 134 East Rd.

52 acres, home has 3 bedrooms, 3 full baths, formal dining room, and Secluded Adirondack style home, w/60 acres of views, stone-walled 3 bdrm. village home. Oversized heated garage, oak kitchen w/island, separate office with built ins, kitchen boasts solid oak cabinetry w/custom new appliances, new vinyl siding & windriveway, 3 bdrm. home, 2 full baths, living room w/cathedral ceilings, Brazilian granite countertops and trolley dows, new Buderus furnace, updated elecstone fireplace, walk out deck, dining room, car lighting, pen living room w/wood eat in kitchen w/woodstove. Additional tric, cozy enclosed front porch, side deck, beams and gas fireplace w/granite mantle.

2800 sq. ft. on 1st floor w/4 stall garage & partially finished basement. and 2 rooms for workshop/office.

Attached 2 stall garage with extra storage.

$125,000

$365,000

Call Heidi at 315-717-7269

HERKIMER -

$369,000

Call Heidi at 315-717-7269

Call Heidi at 315-717-7269

ILION - 505 Elizabethtown Rd.

815 Shells Bush Rd.

150 acres of prime farmland w/outbuildings & a 3500 sq. ft. farmhouse. 5 bdrms., 2 baths, includes spacious rooms, wood flooring & master staircase. Land is productive silt loam soil, woodland & pasture. $274,000

Brand new custom built home, 10 scenic acres of land, 3 bdrms. & 2 1/2 bath, fireplace, wood floors, new appliances, master bath has jacuzzi tub, attached 2 stall garage, barn w/tack room, running water, full walkout basement. $195,000

Call Heidi at 315-717-7269

Call Heidi at 315-717-7269

DOLGEVILLE - 65 Dolge Ave.

ST. JOHNSVILLE - 1715 Mill Rd.

This newly listed, totally revitalized home, in a very nice neighborhood, 3 bedrooms, 2 full baths, a large living room-dining room combo, up to date kitchen, a pellet operated fireplace, replacement windows w/ lifetime guarantee, a large enclosed back yard, w/ spacious workshop.

This is truly a "must see" property for any potential buyer. $109,000

Ranch home, country setting, w/creek, 2 bedrooms, large living room, new roof, siding, windows, furnace, hardwood floors, appliances, counter tops, light fixtures and the list goes on. Move in condition and priced to sell.

Call Tony at 315-868-3939

LITTLE FALLS - 58 Glen Ave.

Call Debbie at 518-495-5770

OPPENHEIM - 251 Beldon Corners

Call Bob at 518-321-9897

Call Bob Snell at 518-321-9897

Single family home in good neighborhood.

Lot above used for gardening. 3-4 bdrms., newly carpeted, laminate flooring, wiring, windows, furnace & hot water tank.

Nothing to replace! Move in condition. $75,000

Call Debbie at 518-495-5770

LITTLE FALLS - 531 Garden St.

Call Debbie at 518-495-5770

Call Chuck at 315-429-9284

JOHNSTOWN - 113 East State St. Lovely single family home with in-law apartment or 2 family home.

Great location- all newly remodeled! $159,000

Call Debbie at 518-495-5770

LISTINGS

ST. JOHNSVILLE - 7685 St. Hwy. 5

FORT PLAIN - 42-44 Willet St. NELLISTON - 5 River St.

Investment property w/4 units, fully occuCommercial building w/2 apartments. pied w/gross yearly income of $25,500, Newly renovated from top to bottom. many updates with new heat and electrical. Lower level can be made into an apartThe owner is offering 2 more properties ment plus retail business. New roof, windows, wiring, etc...Ready to be rented that will offer a total gross income of for income. $125,000 Call Debbie $52,200 for only $123,500. Call John at 518-281-8008

at 518-495-5770

A duplex, for an investment property, or as a primary residence, w/rental income to help with the mortgage.

Just outside the village, no village tax, but you get the benefit of municipal water with no sewer fee, as it has a 1000 concrete septic, separate heating units, water heaters and electrical entrances, lots of natural woodwork and off street parking with a two stall garage. $62,000 Call Bob at 518-321-9897

COMMERCIAL

4 living units, perfectly maintained. Present operating income Donna’s Diner, 5616 State Rte 5 very good. Owner financing Turn Key business that is well-established & recognized for over 20 years. This 3100+ available for qualified buyer. sq. ft. property includes a large, equipped kitchen & two separate dining rooms w/ an Only 5 minutes from occupancy of almost 100. Located on main Canajoharie exit of the thruway. highway & surrounded by active commercial $259,000 businesses. Owner will provide training w/ a

HERKIMER -

Call John at 518-281-8008

LITTLE FALLS - 26 Douglas St.

8 Kingsbury Ave.

Great hunter’s property! 46.70 acres w/road frontage on two town roads, pond w/pastures, wooded land, mobile home, garage & machine shed, property is divine! $195,000

127 Failing Hill Rd.

ST. JOHNSVILLE - 30 E. Main St.

$92,000

Great fixer upper. Good income potential.

Around the corner from main business district, grocery store, banks & post office. All offers will be considered. Must sell. Great investment property for the handyman.

Won’t last long. $39,000

PALATINE BRIDGE -

Call Debbie at 518-495-5770

Call Bob at 518-321-9897 Remodeled single family home, spacious entrance, vinyl siding w/Timbertech decking on the front porch. r Owne Nothing to do but turn the key in a village Financing setting, close to everything! A must see piece of property with huge back yard and 2 stall garage. $137,500

M U LT I

Outstanding chalet three-story home, 125 acres, 2 garages, double fieldstone fireplace, security system, total privacy, good hunting! $249,000

Very nice brick, single family home, within walking distance to the schools, post office, bank, stores, etc. 3 bdrms., 2 baths, full basement, sun porch, & two stall detached garage w/loft. $65,000

ST. JOHNSVILLE -

Great home for someone who wants to put their own personal touch in it! Great price, low taxes, hill well maintained during winter months, privacy. Owner has done maintenance on lawn & redid electric throughout. Beautiful woodwork.

Nice handyman special. $39,999

EPHRATAH - 465 Co. Hwy. 119

well-trained staff available. $395,000

Call Heidi at 315-717-7269

LISTINGS

ST. JOHNSVILLE 6 S. Division St. Five-stall steel building in excellent condition & in a great location. Has five bays w/ their own overhead doors & radiant heat in the floor. It also has a large, paved parking lot in the front of the building. A great investment property! $89,000

Call Bob at 518-321-9897

VISIT OUR WEBSITE AT www.kinshipproperties.com

Page 3 - Section B • ORIGINAL VALLEY PENNYSAVER • June 29, 2013

Kinship Properties Inc.

2008 AUDI TT QUATTRO 3.2 Convertible

2004 FORD RANGER $

5 Speed, 4x4, Low Miles $

38497 mo.

2008 CHRYSLER SEBRING LIMITED

18994 mo.

2011 KIA RIO LX

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299

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218

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mo.

2010 HYUNDAI ACCENT GS

Convertible

Low Miles, Full Warranty $

2008 F150 XLT

mo. $

mo.

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2009 CHEVY TAHOE LT2

4x4, Sunroof

Leather, Like New!

15987 mo.

$

39989 mo.

2011 KIA SORENTO LX

2008 KIA SPORTAGE LX

3rd Row, 4x4, Warranty $

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2007 CHEVY IMPALA LT

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We Service ALL Vehicles

June 29, 2013 • ORIGINAL VALLEY PENNYSAVER • Section B - Page 6

Vegetables Galore $2.25/pack WE HAVE 10,000 SQ. FT. OF INDOOR SHOPPING!

• BEDDING AND VEGETABLE PLANTS $2.25 JUMBO 6 PACK • PERENNIALS FROM $2.25 A POT WE HAVE ROSES, FRUIT TREES, FLOWERING SHRUBS, WEEPING AND FLOWERING TREES, FRUITING BUSHES, CEMETERY ARRANGEMENTS!

WE CARRY PROVEN WINNERS PLANTS

We Are Not A Chain Store!

Everything Is Grown on Premises!

WE HAVE LARGE PATIO PLANTERS!

The wedding shoe trend for everyone: pain-free and pretty (BPT) - Sparkles, spangles and color, new or vintage, whatever your preference in wedding shoe styles there’s one trend that every bride should get behind: comfort.

“Pretty flats and even tennis shoes have been gaining popularity among brides for several years, and while those styles may not be to everyone’s taste, the concept of comfortable wedding shoes is good for everyone,” says

Dr. Crystal Holmes, a doctor of podiatric medicine (DPM) and spokesperson for the American Podiatric Medical Association (APMA).

While an APMA survey indicates that most women do emphasize comfort over looks when choosing dress shoes, brides may consider comfort less important than style on their big day.

“Brides may think that since they’re only wearing their wedding shoes for a day, it doesn’t matter if the shoes make their feet hurt,” Holmes says. “But shoes that hurt your feet can cause long-term problems, and make existing ones even worse. Sore feet can put a damper on your wedding, reception and even honeymoon.”

The APMA offers some advice for choosing the most comfortable options in some popular wedding styles: Pumps - A classic wedding shoe, bridal pumps come in a wide variety of styles, colors and heights. When choosing a pump, be aware that pointy shoes place pressure on the toes and can aggravate problems like hammertoes and bunions. Choose pumps with deep, wide toe boxes that give you plenty of room to wiggle your toes.

Keep in mind lower heels are better, especially if you’ll be in your wedding shoes for several hours.

Ballet flats - Flirty, feminine and fun, ballet flats can feel more comfortable than heels. But very flat shoes can actually be harmful to your arch and heel. Opt for a flat that has a bit of a heel, a thicker sole, and plenty of cushioning and support.

Avoid flats that bend in half or easily twist.

Kitten heels - When it comes to good looks and

foot-friendly design, kitten heels are the cat’s meow. Typically lower than one inch, kitten heels add a touch of height without placing undue pressure on the ball of the foot that higher heels can cause. They also tend to be a bit wider than the average heel, making them more stable and comfortable.

Platforms and wedges Towering platforms and wedges provide height, style and endless options.

But wearing these higher styles requires brides to take extra caution. Platforms and wedges may compromise your balance and stability, and very high shoes can lead to ankle rolls and falls. Look for lower platforms and wedges that feature secure ankle straps. Cork bottoms provide some shock absorption and traction.

Peep toes - Popular among brides who want to show off their pretty pedicures, peep toes range from towering heels to functional flats. Regardless of heel height, peep toes may cause your toes to slip forward or overlap, or may even push nail edges into the skin to form an ingrown toenail. Avoid peep toes that are too tight, and be sure they are free of seams near the toe area, as seams place further pressure on toes.

Sling backs - Showing a flirty flash of heel, sling backs are dynamic and sexy - perfect for walking down the aisle and kicking up your heels during the reception. Look for a sling back with a lower heel that will be more comfortable for extended wearing. Straps should be snug but not too tight to avoid chafing on the back of the heel. Too loose straps may cause the shoe to slip off your

foot, so a proper strap fit is important.

Whatever style you choose, some advice is universal: • Very high heels place pressure on your feet, shifting your entire body weight. If you plan to wear your heels throughout the entire ceremony and reception — likely more than two hours — consider choosing a heel of no more than two inches. Or, save the very high heels for the ceremony and switch to a lower, more comfortable heel for afterward.

• Brightly colored or patterned wedding shoes are in vogue now, and while color doesn’t affect comfort the material might. Materials that provide stability and stretch may be better for your feet. Avoid plastic, vinyl and other materials that don’t allow feet to breathe.

• Shoes should have a flexible sole that allows toes to bend naturally when you walk and a rigid, cushioned heel counter to keep the foot in place inside the shoe.

• Inserts are a great way to help cushion heels, arches and the balls of your feet. It’s easy to find inserts that work with virtually any style of wedding shoe.

• When shopping for your wedding shoes, keep in mind that — like any shoe — they should be comfortable immediately.

Never buy uncomfortable shoes thinking that you’ll “break them in.” And shop for your bridal shoes at the end of the day. Not only do most weddings take place later in the day, your feet swell to their largest in the evening. Buying your wedding shoes at that time of day will ensure you get the best fit.

I’m looking for easy ways to make some of my recipes and meals healthier. Any ideas?

This is a great way to start the new year, and yes, there are plenty of ideas to increase nutrients and reduce fat and calories in the foods you prepare at home. Below are some favorites, primarily from Ohio State University Extension (see “Modifying a Recipe to be Healthier” at http://ohioline.osu.edu

and eXtension (see “Recipe Substitutions” at www.extension.org To reduce fat: Use evaporated skim milk instead of cream.

Use 1/4 cup egg substitute or two egg whites in place of a whole egg.

In quick breads, muffins, brownies or cakes, substitute half or all of the oil, butter or other shortening with unsweetened applesauce, mashed bananas or fruit puree. Note: Making this substitution will increase carbohydrates in the end product — something to be aware of if you have diabetes.

Use low-fat or nonfat yogurt in place of sour cream.

Use low-fat cottage cheese pureed until smooth or low-fat cream cheese in place of full-fat cream cheese.

Try lower-fat or nonfat versions of a variety of foods, especially milk, cheese, cream cheese, mayonnaise, salad dressing and margarine.

Use an air popper for popcorn.

To increase fiber: Replace half the allpurpose flour in baked goods with whole-wheat flour.

Add oats or finely ground fiber-rich nonsweetened cereal to replace some or all of the bread crumbs in a recipe, or to the crust or batter when making desserts.

Add beans or barley to soups, stews and casseroles.

Add sauteed vegetables — cherry tomatoes, onions, spinach or zucchini, for example — to scrambled eggs.

Don’t peel apples, cucumbers, zucchini or potatoes before eating them or using them in recipes.

Choose high-fiber alternatives for cereal, bread and pasta — look at the Nutrition Facts labels.

To increase other nutrients: Add cooked and mashed cauliflower to

mashed potatoes, or add cooked chopped cauliflower to macaroni and cheese.

Add chopped spinach or zucchini to pasta sauce, soups and casseroles.

For salads, choose romaine, endive or other dark-green leafy lettuce

518-921-4015

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212 N. Kingsboro Ave. Gloversville * 50 Elmwood Ave. Gloversville (Opening Mid July)

Sandwiches,, Subs,, Delii Meat Alll Homemadee Salads,, Homemadee Soups Green n Saladss & Pastaa Salads,, Beans, Cheff Specialtyy Sandwiches,, Reubens Reall Phillyy Cheesee Steaks

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h Gamee Hens, *Breakfastt & Breakfastt Sandwiches,, Cornish Lasagna,, Babyy Backk Ribs,, Smoked d Chicken n Splitss, Shrimp,, Salmon,, Shrimp p Fettuccine,, Pulled d Porkk & More

Offering g Fulll Catering g Servicess 7 dayss a week Collegee - High h Schooll Graduations Anniversaryy Partiess • Rehearsall Parties Engagementt Partiess • Birthdays Familyy Reunionss • Privatee Homee Dinners nall gett togetherss - 2 to o?

Smalll person Alll Occasionss • Meatt Trays Corporatee Luncheonss • Bereavementt Catering g

in it shows promise in anti-cancer studies, though it may take quite a bit to have a discernible effect.

Chow Line is a service of Ohio State University Extension and the Ohio Agricultural Research and Development Center.

(PICK UP AVAILABLE)

WE PAY YOU $$$

CALL 315-794-5498

Thee Frustratedd Chef’ss Delii & Sandwich h Shop Mon-Wed: 8:30am-7pm; Thurs-Fri: 8:30am-8pm Saturday: 9am-6pm; Sunday: Closed

instead of iceberg lettuce, and include baby spinach leaves.

Increase calcium by adding nonfat milk or dry milk to a casserole’s cream sauce or to cream soups.

Increase antioxidants by sprinkling hot sauce on foods. The capsaicin

Thee Frustrated d Cheff opened d 155 monthss ago o on n Kingsboro o Ave. n Gloversville.. Theyy aree now w expandingg in to a 2nd d location n on n Elmwood d Ave.. in n Gloversville.

Thee Frustrated d Cheff d to o welcome iss proud Douglass Hall With 25 years of experience and being formally trained in the Culinary Arts, Douglas will be a valuable asset to the team.

Locally born and raised, Douglas will be cooking at Frustrated Chef 2 on Elmwood Ave. in Gloversville opening in July, as well as partnering with catering. He will be bringing a variety of comfort foods as well as a vast selection of fine cuisine. Together the team will bring to the table foods to cover all your needs!!

Call us at 518-921-4015

Page 7 - Section B • ORIGINAL VALLEY PENNYSAVER • June 29, 2013

Chow Line: Boost nutrients, cut fat in recipes

June 29, 2013 • ORIGINAL VALLEY PENNYSAVER • Section B - Page 8

Supplement to the Original Valley Pennysaver and the DollarSaver

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

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

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

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

226 E Fulton St., Gloversville, NY 12078

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

MLS 2013156

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

MLS 2013371

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

MLS 2013080

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

MLS 222508

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

MLS 222835

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

MLS 222115

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

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

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

MLS 2013012

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

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

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

Lovely landscaped back yard, enclosed front porch.

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

MORE GLOVERSVILLE MULTI-FAMILY DWELLINGS

MLS 222083

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

MLS 222774

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

MLS 2013064

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

MLS 2013347

MLS 220684

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

MLS 2013127

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

MLS 2013222

MLS 215985

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

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

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

MLS 2013155

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

MLS 2013175

MLS 2013337

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

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

MLS 2013339

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

COMMERCIAL PROPERTIES

LAND

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

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

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

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

Page 1 • REAL ESTATE GUIDE • June 29, 2013

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

June 29, 2013 • REAL ESTATE GUIDE • Page 2

Who is responsible for repairs during a home sale?

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

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

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

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

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

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

518-673-5482

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

website: www.mohawk-valley.com

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

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

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

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

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

Local Guide to the Adirondacks

Energy Expertise Experience 518-725-ADKS (2357)

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

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

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

Page 3 • REAL ESTATE GUIDE • June 29, 2013

June 29, 2013 • REAL ESTATE GUIDE • Page 4

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

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

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

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

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

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

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

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

Source: Sir William Johnson Realty

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

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

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

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

NEW TO THE MARKET!

NEW TO THE MARKET!

$37,000.00 in Town of Ephratah

1 ACRE LOT, Town of Ephratah $20,000.00

FONDA-FULTONVILLE SCHOOL DISTRICT

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

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

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

JUST LISTED IN FONDA!

A LOT OF HOUSE FOR THE $$$

SELLER IS TAKING OFFERS!

SELLER SAYS TO MAKE AN OFFER TODAY!

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

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

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

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

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

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

Page 5 • REAL ESTATE GUIDE • June 29, 2013

June 29, 2013 • REAL ESTATE GUIDE • Page 6

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

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

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

It starts with being smart about money.

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

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

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

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

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

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

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

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

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

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

Resources are available from the federal government and

Ed Pierpont

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

Gott U Covered • HOME E INSPECTIONS S•

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

GotUCoveredHomeInspections.com

VMM

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

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

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

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

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

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

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

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

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

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

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

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

RESIDENTIAL - COMMERCIAL FARMS - INVESTMENTS - ACREAGE

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

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

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

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

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

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

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

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

SALE PENDING

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

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

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

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

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

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

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

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

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

Page 7 • REAL ESTATE GUIDE • June 29, 2013

59 W. Main St., Canajoharie

June 29, 2013 • REAL ESTATE GUIDE • Page 8

Exceptional Townhouse Living! * NEW LISTING *

9.50 Acres Town of Glen * NEW LISTING *

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

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

Broadalbin Perth School Region * NEW LISTING *

Absolutely Fabulous * NEW LISTING *

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

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

It won’t last long!!

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

102 Knowlton Avenue, Fonda

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

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

Hickory Hill Region Cape * NEW LISTING *

316 Mohawk Drive, Tribes Hill, New York

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

Hold Your Horses! * NEW LISTING *

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

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

Town of Florida Cape * NEW LISTING *

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

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

bath, new kitchen, cozy living room.

Town of Glen Cottage

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

Gillen Road, Town of Charleston

Town of Canajoharie

Hold Your Horses!

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

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

Tribes Hill Cottage * NEW LISTING *

1850’s Town of Florida Farmhouse * NEW LISTING *

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

7.8 Acre Lot Tribes Hill * NEW LISTING *

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

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

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

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

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

Town of Glen Manufactured Home * NEW LISTING *

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

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

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

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

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

Tribes Hill Ranch

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

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

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

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

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

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

1131 Co Hwy 122, Town of Johnstown

7 Lark St., Gloversville

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

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

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

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

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

462 N. Main St., Gloversville

206 Cape Horn Rd., Johnstown

119 Bertrand Rd., Mayfield

273 Smith Rd., Broadalbin

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

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

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

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

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

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

2132 Donnan Rd., Galway

1007 Co Hwy 122, Town of Johnstown

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

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

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

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

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

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

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

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

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

237 S. Kingsboro Ave., Gloversville

124 Oakland Ave., Gloversville

200 W. Fifth Ave., Johnstown

6 Brant Rd., Johnstown

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

Close to new shopping area and school $123,900

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

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

9 Grove St., Gloversville

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

418 N. Main St., Gloversville

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

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

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

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

Page 9 • REAL ESTATE GUIDE • June 29, 2013

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

June 29, 2013 • REAL ESTATE GUIDE • Page 10

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Looking for that Great Get Away?

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

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

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

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

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

Page 11 • REAL ESTATE GUIDE • June 29, 2013

June 29, 2013 • REAL ESTATE GUIDE • Page 12

Can you afford to buy a house?

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

What do you need to know about home loans?

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

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

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

purchase price.

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

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

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

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

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

Can next page

What are other costs of home ownership?

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

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

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

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

28 SOUTH MAIN STREET GLOVERSVILLE, NY 12078

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

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

194 Canajoharie: 3BR home on 5.4 acres.

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

176 Cobleskill: Stately brick Victorian is

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

NOW $199,999

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

158 Fort Plain:

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

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

3BR home and all you’ll say is “WOW”.

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

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

June 29, 2013 • REAL ESTATE GUIDE • Page 13

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

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

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

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

How much money can you borrow?

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

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

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

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

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

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

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

What are your options?

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

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

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

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

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

Kathleen M. Mussi

Tel 518-773-8457 • Fax 518-773-9734

Licensed Real Estate Broker/Owner

www.amprospectproperties.com d

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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

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

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

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

Beautiful views year round! Must see!

266 YEARS OF EXPERIENCE IN PROPERTY MANAGEMENT .

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

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

Two family w/two car garage - fully rented.

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

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

SERVING HOMES IN THE FOLLOWING COUNTIES:

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

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

Page 14 • REAL ESTATE GUIDE • June 29, 2013

RE A L ES TAT E GU I D E

June 29, 2013 • REAL ESTATE GUIDE • Page 15

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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Spectacular Western E. Caroga Lake Views. 360 ft.

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

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

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

E. STONER LAKEFRONT YEAR ROUND HOME! 2 lots!

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

New

New

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

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Reduced

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

Reduced

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Immaculate Ranch - Johnstown Schools & City Water!

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

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

BORDERS STATE FOREST

BORDERS STATE FOREST

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

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

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

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

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

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

NEW LISTINGS: www.ADKSRealty.com

Page 16 • REAL ESTATE GUIDE • June 29, 2013

518-725-ADKS (2357)

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8,995 Stk# G1745A. Gray, 93,044 miles . . . . . . . . . . . . . . . . . . . . . 9,995 2008 CHEVROLET HHR LT FWD $ Stk# UP6668B. Black, 52,728 miles . . . . . . . . . . . . . . . . . 10,995 2012 SUZUKI SX4 4WD $ Stk# G1580B. Red, 16,829 miles . . . . . . . . . . . . . . . . . . . 12,995 2008 HONDA CR-V EX-L 4WD $ Stk# G1718A. Royal blue pearl, 114,471 miles . . . . . . . . . 13,495 2008 HONDA ACCORD EX-L $ Stk# G1759A. Polished metal metallic, 93,654 miles . . . . . 14,595 2011 HYUNDAI SONATA GLS $ Stk# UP6711. Phantom black, 28,164 miles . . . . . . . . . . . 14,906 2006 HONDA ODYSSEY EX-L $ Stk# G1302A. Dessert rock metallic, 90,201 miles . . . . . . . 14,995 2010 NISSAN ALTIMA 2.5S $ Stk# UP6740. Winter frost pearl, 27,032 miles . . . . . . . . . 15,495 2007 HONDA ELEMENT EX 4WD $ Stk# UP6815. Manual trans, black, 78,020 miles . . . . . . . . 15,995 2008 SUBARU LEGACY AWD $ Stk# G1180A. Diamond gray metallic, 49,121 miles . . . . . 15,995 2010 NISSAN ALTIMA 2.5S $ Stk# UP6728. Super black, 35,565 miles. . . . . . . . . . . . . . 15,995 2010 SUZUKI KISAHI SLS AWD $ Stk# G2001A. Blue, 37,065 miles . . . . . . . . . . . . . . . . . . . 15,995 2011 VW JETTA SE $ Stk# UP6738. Platinum gray metallic, 15,585 miles . . . . . 16,995 2013 FORD FOCUS SE $ Stk# G1136A. Race red, 5,275 miles . . . . . . . . . . . . . . . . . 16,995 2011 HYUNDAI ELANTRA LTD $ Stk# G1684A. Tan, 27,067 miles . . . . . . . . . . . . . . . . . . . . 17,495 2010 NISSAN ROGUE S KROM EDITION $ Stk# UP6731. Wicked black, 25,361 miles. . . . . . . . . . . . . 18,995 2007 LEXUS IS 250 $ Stk# G1550B. Matador Red Mica, 66,134 miles. . . . . . . . . 19,995 2010 HYUNDAI VERACRUZ GLS AWD $ Stk# UP6710. Carbon steel mist, 30,877 miles . . . . . . . . . 20,806 2011 JEEP LIBERTY SPORT JET 4WD $ Stk# G1555A. Dark charcoal pearl, 13,480 miles. . . . . . . . 20,995 2012 KIA OPTIMA $ Stk# G1740A. Spicy red, 6,230 miles . . . . . . . . . . . . . . . . 21,595 2010 FORD EDGE SEL AWD $ Stk# UP6708. Cinnamon metallic, 25,145 miles. . . . . . . . . 21,906 2010 NISSAN MAXIMA 3.5 S $ Stk# UP6774. Super Black, 32,559 miles. . . . . . . . . . . . . . 21,995 2010 NISSAN MAXIMA SV $ Stk# UP6752. Mystic jade metallic, 30,737 miles. . . . . . . . 23,995 2010 ACURA TL $ Stk# UP6726. 25,776 miles, White diamond pearl. . . . . . . 24,995 2010 JEEP WRANGLER UNLIMITED 4WD $ Stk# UP6771. Blue, 28,666 miles . . . . . . . . . . . . . . . . . . . 26,895 2009 INFINITI G37X AWD $ Stk# UP6753. Gray, 12,254 miles . . . . . . . . . . . . . . . . . . . 26,995 Stk# G2104A. Black, 78,043 miles . . . . . . . . . . . . . . . . . . . .

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

Your n Hometow

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

Six tips on getting a good deal on an auto lease

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

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

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

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

But understanding

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

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

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

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

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

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

When the lease term expires, you can buy the

car or lease another new vehicle.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

to pay for repairs such as tire and brake replacements.

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

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

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

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

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2007 Toyota Yaris

2001 Hyundai Elantra GLS

1999 Honda Accord EX

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

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

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

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

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

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1999 Chevy Cavalier

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2004 Kia Spectra

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

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

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

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

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2005 Dodge Grand Caravan SXT 2001 Ford Ranger XLT

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

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

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

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

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

2007 Toyota Camry LE

2005 Dodge Neon SXT

2000 Honda Civic LX

2000 Chevy Cavalier

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

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

• Comparison shop.

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

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

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

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

• Consider asking about higher deductibles.

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

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

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

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

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

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

• Take advantage of low-mileage discounts.

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

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

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

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

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

Safety website.

Everyone’s trying to save money these days.

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

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

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

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

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

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

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

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

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

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

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

Honda, however, includes an anti-wear additive in

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

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

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

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Page 5 • AUTO, TRUCK -N- MOTORCYCLE • June 29, 2013

Things to know about motor oil

June 29, 2013 • AUTO, TRUCK -N- MOTORCYCLE • Page 6

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

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

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

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

• Keep tires properly inflated and improve gas

mileage by up to 3.3 percent.

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

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

Driving behavior also impacts fuel efficiency.

The council offers these gas saving driving tips:

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

• Avoid excessive idling.

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

• Avoid quick starts and stops. Aggressive

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

• Consolidate trips.

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

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

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

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

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

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

Commuting Stagger your work hours to avoid peak rush

hours.

Drive your most fuel-efficient vehicle.

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

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

are typically less congested, further improving your fuel economy.

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

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

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

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

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

Source: www.fueleconomy.gov

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