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Gridlock in our village means three cars waiting at the stop sign. It's a Mayberry kind of town which suits me just fine. There is a catch. Every visit to the grocery store, post office or church requires a car. I guess that's what caught my eye when a came across the recent study conducted by the Center for Neighborhood Technology. Their research revealed only two in five American communities are affordable to typical households when you factor in the cost of both housing and transportation. (Is This House As Affordable as You Think, pg 3). It's not a topic we hear a lot about but it's certainly something to take into consideration when crunching numbers and deciding the location of your next home purchase.
jefferson-lewis co. NY, Edition Published By LifeandHomes, INC. Publication Franchise RMC David P. Lisi Corporate Editor Kim L isi Kim@dslisi.com
Speaking of crunching numbers, we have some great ideas on how to save on spring home improvement projects in this issue and online at www. LifendHomes.com. You'll find DIY projects and easy cost cuttings tips along with information on how to cash in on the remodeling tax credit which is available through the end of 2010.
How to Reach Us Press Releases or Letters to the Editor Our e-mail address is Kim@LifeandHomes.com (Please do not send attachments)
David P. Lisi , RMC Local real estate participants report an increase in market activity within the Real Estate Marketing Consultant past few weeks. That's welcome news for any community. If you're putting 315-865-5845 • David@dslisi.com your home on the market, take time to read this month's feature story, Home Inspections Help You Sell. Positioning your home to stand out in a crowded market can be as simple and inexpensive as decluttering, cleaning, completing simple renovations and repairs and ridding the lawn of last year's leaves and debris. Stack the deck in your favor even further by investing in deal-sealer items like a pre-sale home inspection and professional staging. LifeandHomes, LifeandHomes.com and our advertising sponsors stand ready to help as you buy or sell your home. It's our way of supporting the communities we live and work in. This issue and our online, all-inclusive listing service showcases local business services and features for sale listings from Realtors, Investors, For Sale By Owners, Contractors, Manufactured Home Builders, Developers, and Commercial Developers all in one convenient place. Browse through the property listings, articles and helpful resources, then visit www.LifeandHomes.com and use the easy search options to see even more for sale properties.
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Life and Homes is published monthly by Lisi Merchant Solutions, Inc. Every effort has been made to ensure that home listings, advertisements and information are free of errors or omissions. The publisher does not guarantee the accuracy of the submitted information to Life and Homes Magazine and assumes no liability. This information has been compiled from public records and other sources we believe to be reliable, but we make no guarantee with respect to its accuracy or completeness or the absence of restrictions on use and are not responsible for any liability, loss, or risk that subscribers may incur, directly or indirectly, from using the contents of this site. Copyright © 2010 LifeandHomes, Inc.
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We br i n g p e o p l e a n d h o m e s t o g e t h e r .
Is This House As
Affordable
as You Think?
A new analysis by the Center for Neighborhood Technology (CNT) shows that only two in five American communities—or 39 percent— are affordable for typical households when their transportation costs are considered along with housing costs. The Housing + Transportation (H+TSM) Affordability Index examines 337 metro areas across the country—encompassing 161,000 neighborhoods and 80 percent of the U.S. population—and provides the only comprehensive snapshot of neighborhood affordability by accounting for combined housing and transportation costs associated with a community.
• Seal cracks and holes on the outside of the home, including entry points for utilities and pipes.
LifeandHomes reminds readers that The Census Bureau does not conduct the census via the Internet and does not send out emails. The Census Bureau never asks for your full social security number, PIN numbers, passwords or access information for credit cards banks or financial accounts. You may verify if a collection activity is legitimate by calling your regional census office regarding mail surveys, or call 301-763-INFO (4636) for general Census Bureau information
Don't Let Termites
Put The Bite On Your House
The National Pest Management Association (NPMA),reports termites cause more than $5 billion in property damage each year across the U.S.and damage from wood-boring insects is typically not covered by homeowners' insurance policies.
• Repair leaking faucets, water pipes and AC units. • Repair fasciae, soffits and rotted roof shingles. Some termites are drawn to deteriorating wood. • Replace weather stripping and repair loose mortar around basement foundation and windows. • Store firewood at least 20 feet away from the house and 5 inches off the ground. • Routinely inspect the foundation of your home for signs of mud tubes (used by termites to reach a food source), cracked or bubbling paint, and wood that sounds hollow when tapped. • Direct water away from your house through properly functioning downspouts, gutters and splash blocks. • Visit www.pestworld.org to find a qualified pest professional for additional advice and treatment if necessary. (NAPSI)
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L i f e and H o m e s
The best way to effectively treat an existing termite infestation is through professional pest control, but there are steps homeowners can take to help keep the pests from invading in the first place. For instance, simple things, such as keeping tree branches and shrubbery well trimmed and away from the house, can help.
• Keep basements, attics and crawl spaces well ventilated and dry.
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To explore the H+T Index or obtain a copy of Penny Wise, Pound Fuelish visit: http://htaindex.cnt.org/.
Harrisburg PA Mayor Linda Thompson has already been the victim of a census scam. She received and filled out a census form a few weeks ago and didn't realize it was a fake form until her legitimate census form arrived shortly thereafter. "You know, I was just eager to be a leader in the city that fills it out and didn't think that the census had said they don't ask for Social Security numbers and they even asked for my address and where I worked and my job title. So, there you have it -buyer beware," says Thompson. She is now taking steps to prevent identity theft.
April
For most families, transportation is the second largest household expense. The new analysis shows that for many families in “drive ‘til you qualify” zones, savings realized from lower cost housing are eliminated by unexpectedly high transportation costs. Yet, it is difficult for consumers and policymakers to estimate the full costs of a location, including the cost of both housing and of transportation. This lack of information can lead families to unknowingly make housing decisions that cause them to live beyond their means as gas prices rise and commutes grow longer. A community’s average transportation costs can range from 12% of household income in efficient neighborhoods with walkable streets, access to transit, and a wide variety of stores and services to 32% in locations where driving long distances is the only way to reach essential services.
Census Scam Alert
The experts at the NPMA also recommend these tips for controlling termites:
No Drip Savings Drip. Drip. Drip. The average American household wastes more than 10,000 gallons each year from easy-to-fix water leaks, adding up to more than one trillion gallons of water lost annually nationwide. Many of these leaks have do-it-yourself fixes that could cost only a few dollars to address. The U.S. Environmental Protection Agency's (EPA's) Water-Sense program is encouraging homeowners to find and fix leaks to save more than 10 percent on utility bills now and help save water for future generations. 1. Find Leaks: Winter water use can be an indicator of household leaks. If use exceeds 12,000 gallons per month for a family of four, chances are good that you have a leak. Walk around your home with eyes and ears open to find leaks, and don't forget to check pipes. Reveal a silent toilet leak by adding a few drops of food coloring to the tank and wait 15 minutes without flushing. If bowl water changes color, your toilet has a leak. Flush afterwards to avoid staining the bowl or tank.
L i f e and H o m e s
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Northern New York
2. Fix Leaks: Many times, fixing leaks can be done yourself and doesn't have to cost a thing. Both faucets and showerhead connections can be tightened or sealed. For leaky toilets, the rubber flapper inside the tank is often the culprit. Over time, the flapper decays, but replacing it only costs a few dollars. If you don't feel comfortable with these repairs, a licensed contractor can help. Irrigation systems and outdoor spigots can also have leaks. A WaterSense irrigation partner who is certified in water-efficient irrigation technologies and techniques can ensure your irrigation system works properly. 3. Save Water: Dripping faucets can waste more than 3,000 gallons per year, a showerhead leaking 10 drips per minute about 500 gallons per year, and running toilets 200 gallons 4
We br i n g p e o p l e a n d h o m e s t o g e t h e r .
newsShorts or more each day. Fixing household leaks not only saves water, but also energy and money on utility bills. If you need to replace plumbing fixtures, save even more water by replacing them with WaterSense-labeled models. WaterSense labels toilets, faucets, urinals and--coming soon--showerheads that use at least 20 percent less water and are independently tested and certified to perform as well as or better than standard plumbing fixtures. For more information and tips about how to save water, visit www.epa.gov/watersense. (NAPSI)
utilizing energy efficient windows – is a great first step to take when improving your home’s energy efficiency. To learn more, visit www.plygemwindows.com or www.recovery.gov. (ARA)
Room For What??? "Room to grow" takes on new meaning with this residential listing. Property Information for 7659 Riles Road 4 Bdrm 4 bath 4,400 sq./ft. hillside home on 4 plus acres, 7 min. from Middleton. Master suite with whirlpool and deck. Fieldstone fireplace, wraparound porch, storm/ wine cellar, spectacular room to grow marijuana, open floor plan, elevator and handicap accessible with in-law suite. 2 1/2 car garage with lower level shop. Separate 40' x 60' commercial grade shop with loft, office and 3/4 bath. Perfect for toys or animals. Middleton-Cross Plains schools. $675,000 (Source - www.lovelylisting.com)
Federal Remodeling
Tax Credit
The tax credit for energy efficient replacement windows and doors, originally introduced in 2009 as part of the American Recovery and Reinvestment Act, is set to expire at the end of 2010, making this year the best time for homeowners to replace their windows and upgrade the look and feel of their home. Ply Gem, a leader in the building products industry, offers some tips and guidelines to help homeowners make the most of the energy efficient replacement window tax credit. Homeowners can receive a tax credit worth 30 percent of the purchase price of qualifying energy efficient windows, up to a maximum of $1,500 if purchased and installed by Dec. 31, 2010. To redeem the credit, be sure to save your invoice that shows a breakout of window and installation costs, the National Fenestration Rating Council (NFRC) labels from all windows and doors and the manufacturer’s certificate. Energy efficient windows that meet the tax qualifications offer more savings than a one-time federal tax credit. The Alliance to Save Energy says that sealing and insulating your house – including
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Top 10 Tips for Energy Savings
April â–
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L i f e and H o m e s
newsShorts
Home Inspections
Help You Sell When you're ready to sell your home in the current market, you need to take every step you can to ensure a timely sale at the price you want. A surplus of homes for sale means that yours needs to stand out in style, amenities and quality to make an impression on potential buyers. The more steps you take to make your house saleready, the better results you'll get. Currently, home sales are at a historic low -- so what do you need to do to buck that trend? Updated decor and proper staging certainly help present your home well, but don't think that cosmetic fixes are all you need. Buyers want to know the home they're considering is safe and sound, and the best way to establish that is to hire a home inspector. Twenty years ago, it seemed extravagant to hire a home inspector, but today it's standard practice. Buyers will often bring their own inspectors to the table, so you need to start by hiring one yourself. Hiring a professional will give you a realistic perspective on what's going on in the bones of your home.
L i f e and H o m e s
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Northern New York
"In a down market, a pre-sale inspection can make a home stand out," says David Tamny, president of the American Society of Home Inspectors. "More and more, sellers are obtaining pre-sale inspections to help uncover and address potential issues before the first prospective buyer walks through the door. This simple step allows for better planning and lowers repair costs, adds value to the home, and it could increase the likelihood of an offer." Even if someone in your family is handy, a professional home inspector will be able to point out issues that might go unnoticed by someone who doesn't know the ins and outs of inspecting. Today's buyers are quick to point out flaws uncovered by the home inspectors they bring with them, particularly if the flaws could compromise health or safety. 6
We br i n g p e o p l e a n d h o m e s t o g e t h e r .
Buyers can use problems as bargaining chips, causing previously agreed upon prices to be lowered or even the cancellation of a deal. Inspections help uncover imperfections that often can be fixed easily and inexpensively, so it's worth it to get your home inspected before you list it. In addition, a good inspection can raise the likelihood of an offer being placed on your home. Buyers are looking for security. If you can show them
your home has been inspected, they'll feel more comfortable with it. That confidence often equates to more dollars in your pocket when you agree to the sale. The areas covered in home inspections are: the major systems and components such as the foundation, exterior siding, flashing and trim, the roof, plumbing, electrical and heating and cooling units. In addition, some home inspectors offer additional services including radon testing, energy assessments and pool and spa inspections. The current housing market requires a proactive approach to selling, and to get the result you want, you have to think about every aspect of your home. Having a home inspection can add value to the property, speed up the negotiation process, increase the likelihood of an offer and, most importantly, help sell your home. ( ARA)
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Your All Inclusive Home Directory Alexandria Bay
LifeandHomes.com
$279,000
Cape Vincent
45226 Taylor Road
$110,000 27738 Dablon Point Road
5 Bedrooms / 3.0 Baths
Waterfront Lot
For more details visit www.LifeandHomes.com Type in Quick Search #41018
For more details visit www.LifeandHomes.com Type in Quick Search #41044
Lisa Watson • 315-286-9682
Allen Walker • 315-771-8189
Coldwell Banker-Rimada Realty Lic. R.E Salesperson • MLBJS5@hotmail.com
Lic. R.E Salesperson • Bowes@twcny.rr.com
Home Loan Solutions • Northern FCU • 315-771-4783
Alexandria Bay
Bowes Realty
$75,000
Home Loan Solutions • Northern FCU • 315-771-4783
Cape Vincent
$115,000
10 Chayne Circle
Dablon Point Rd. Lot A
3 Bedrooms / 1.0 Baths
Waterfront Lot
For more details visit www.LifeandHomes.com Type in Quick Search #32965
For more details visit www.LifeandHomes.com Type in Quick Search #41224
Deborah Schaefer • 315-836-3578
Allen Walker • 315-771-8189
Front Porch Realty
LIc. R.E. Broker • debbie@thousandislandhomes.com
Home Loan Solutions • Northern FCU • 315-771-4783
Alexandria Bay
$225,000
Bowes Realty
Lic. R.E Salesperson • Bowes@twcny.rr.com
Home Loan Solutions • Northern FCU • 315-771-4783
Cape Vincent
$135,000
46680 Log Hill Road
273 E James St
3 Bedrooms / 3.0 Baths
3 Bedrooms / 1.5 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #33859
For more details visit www.LifeandHomes.com Type in Quick Search #33793
Deborah Schaefer • 315-836-3578
Allen Walker • 315-771-8189
Front Porch Realty
LIc. R.E. Broker • debbie@thousandislandhomes.com
Home Loan Solutions • Northern FCU • 315-771-4783
Brownville
$179,900
Bowes Realty
Lic. R.E Salesperson • Bowes@twcny.rr.com
Home Loan Solutions • Northern FCU • 315-771-4783
Cape Vincent
$219,500
208 Brown Blvd
32322 State Route 12E
3 Bedrooms / 1.5 Baths
2 Bedrooms / 1.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #33946
For more details visit www.LifeandHomes.com Type in Quick Search #33531
Judy A. Condino, GRI • 315-405-8127
James Wiley • 315-778-1360
Condino Realty NY, LLC Lic. R. E. Broker • jcondino@twcny.rr.com
Home Loan Solutions • Northern FCU • 315-771-4783
Brownville
$137,500
Bowes Realty
Agent • jameslwiley@tds.net
Home Loan Solutions • Northern FCU • 315-771-4783
Chaumont
20092 CR59
$229,500 6383 Failing Shores Lane
2 Bedrooms / 1.0 Baths
2 Bedrooms
For more details visit www.LifeandHomes.com Type in Quick Search #41035
For more details visit www.LifeandHomes.com Type in Quick Search #33485
George Briggs • 315-782-8498
James Wiley • 315-778-1360
Elliott Realty, Inc.
Lic. R.E Salesperson • georgebriggsrealestate@hotmail.com
Home Loan Solutions • Northern FCU • 315-771-4783
James Wiley
Ruth Varley
Licensed R.E. Assoc. Broker Bowes Realty
Licensed Associate Real Estate Garlock Realty Broker
Since we are located in the "Carpet Capitol of the World", Dalton, Georgia, we offer up to 60% savings and a wide variety of styles, colors, and sizes. Our policy is to sell a full line of flooring products at wholesale carpet prices.
HANK’S CARPET 691 Varnell Road • Exit 341 • Tunnel Hill, GA 30755 706.673.2410 • 800.356.1253 • 706.673.2996 fax
www.hankscarpet.com www.Life and Homes .com
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L i f e and H o m e s
Phone: 315-375-7860 Email: rvarley@garlockrealty.com
WHOLESALE PRICING
■
Bowes Realty: 315-686-3315 Phone: 315-778-1360 Email: jameslwiley@tds.net
I consider this region an excellent place to reside and would love to share with you my enthusiasm for the many neighborhoods that encompass it. I pride myself on providing unparalleled service and look forward to developing a long-term relationship with you. I am also an Accredited Staging Professional TM able to advise you on preparing your home to sell quickly and for top dollar.
Agent • jameslwiley@tds.net
Home Loan Solutions • Northern FCU • 315-771-4783
April
Bowes Realty is the oldest active Real Estate Agency in the Thousand Islands Area.
Bowes Realty
LifeandHomes.com Clayton
Your All Inclusive Home Directory Dexter
16899 Hilltop Lane
$118,500
$219,000 Cedar Log Cabin on Lake, Pillar Point
2 Bedrooms / 2.0 Baths
2 Bedrooms / 1.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #33839
For more details visit www.LifeandHomes.com Type in Quick Search #41175
George Bowes • 315-771-6543
Amanda Miller • 315-639-6180
Bowes Realty
Lake Ontario Realty
Lic RE Broker/Owner • bowes@twcny.rr.com
Lic. R.E. Broker • lakeontariorealty@yahoo.com
Home Loan Solutions • Northern FCU • 315-771-4783
Clayton
Home Loan Solutions • Northern FCU • 315-771-4783
Evans Mills
$134,900
719 James St
28333 Rogers Road
4 Bedrooms / 1.0 Baths
4 Bedrooms / 2.5 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #33795
For more details visit www.LifeandHomes.com Type in Quick Search #41050
George Bowes • 315-771-6543
Ernest Scribner • 315-222-3153
Bowes Realty
Christensen Realty USA
Lic RE Broker/Owner • bowes@twcny.rr.com
Lic. R. E. Salesperson • ernest.scribner@gmail.com
Home Loan Solutions • Northern FCU • 315-771-4783
De Kalb Junction
Home Loan Solutions • Northern FCU • 315-771-4783
Harrisville
$59,900
3093 CR 17
$190,000 7257 Bull Rock Point Road
5 Bedrooms / 1.0 Baths
5 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #33836
For more details visit www.LifeandHomes.com Type in Quick Search #33410
Bradley Byrns • 315-287-1789
Ruth Varley • 315-375-7860
Byrns Realty
Garlock Realty
Lic RE Broker/Owner • brad@byrnsrealty.com
Lic. R.E. Salesperson • rvarley@twcny.rr.com
Home Loan Solutions • Northern FCU • 315-771-4783
Dexter
Home Loan Solutions • Northern FCU • 315-771-4783
Heuvelton
$109,000
177 Mitchell Road
3 Bedrooms / 2.0 Baths
2 Bedrooms / 1.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41063
For more details visit www.LifeandHomes.com Type in Quick Search #33411
Frank Roberts • 315-788-4444
Ruth Varley • 315-375-7860
Garlock Realty
Lic. R.E Salesperson • frobert2@twcny.rr.com
Lic. R.E. Salesperson • rvarley@twcny.rr.com
Home Loan Solutions • Northern FCU • 315-771-4783
Dexter
Home Loan Solutions • Northern FCU • 315-771-4783
La Fargeville
$439,900
31316 Shantyville Road
3 Bedrooms / 2.5 Baths
2 Bedrooms / 1.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41177
For more details visit www.LifeandHomes.com Type in Quick Search #33373
Amanda Miller • 315-639-6180
James Wiley • 315-778-1360
Bowes Realty
Lic. R.E. Broker • lakeontariorealty@yahoo.com
Agent • jameslwiley@tds.net
Northern New York
Home Loan Solutions • Northern FCU • 315-771-4783
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L i f e and H o m e s
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Luxurious New Lakefront in Eveleigh Point
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$125,900
19073 State Rt 12f
Coldwell Banker-Rimada Realty
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We br i n g p e o p l e a n d h o m e s t o g e t h e r .
Home Loan Solutions • Northern FCU • 315-771-4783
We would like to thank everyone for a wonderful year in Real Estate! If you are thinking of listing your home or want to buy please feel free to call us at 315-493-2134, we are full time Realtors and available 7 days a week. Welcome home the 3rd BCT from Afghanistan and the Apache Unit to Fort Drum ROME RSA REALTY LLC
315 493 2134 located at 11006 State Rte 26, Carthage, NY
$48,000 • 306 Mill Street • Theresa Well maintained single wide at a great price with cheap municipal power and public sewer and water. All new windows and doors and a new metal roof as well. The newer appliances are all included. Inexpensive living and low maintainance are all summed up in this home with a generous lot and an older barn for storage. For more information, call Katharine Dickson, Lic. R.E. Salesperson (315) 783-2104
$135,000 • 624 Hamlin Street • Watertown
Beautiful, energy efficient, home in a quiet area. Consists of 2 lots side by side, 624 and 618 Hamlin St. Has 3 bedrooms, 1.5 baths, full basement and stairs to attic. Garage w/ 5 stalls, for your cars & winter toys. Windows, insulation, water-heater, electrical have been updated to Energy Star standards. To see this property, Call Misty Atwood, Lic. R.E. Salesperson, (315) 7776543
www.Life and Homes .com
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L i f e and H o m e s
Two family on deep lot. Upper and lower next to a single family Cape Cod. Large new garage w storage. Live in the Cape Cod and let the two family help pay the mortgate. Separate utilities and appliances included. Covered rear deck on the Cape Cod. To see this property, call Katharine Dickson at 315/783-2104
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42781 NYS Route 12 Alexandria Bay, NY 13607 (315) 836-3578 Office (315) 836-3539 Fax (315) 778-9280 Cell DEBBIE@THOUSANDISLANDHOMES.COM WWW.THOUSANDISLANDHOMES.COM
$135,000 • 642 & 644 Bronson Street • Watertown
April
Deborah Schaefer, GRI, CBR Broker Owner
Alexandria Bay
$279,000
13115 County Rt 156
5 Bedrooms / 3 Baths
3 Bedrooms / 2 Baths
1 year free home warranty included. Landscaped front and back yards, Huge back deck, firepit. entry and LR have hand scraped wood floors. LR w fireplace. Kitchen has travertine flooring, custom cabinets, stainless appliances, tiled back splash, large center island. Go to LifeandHomes.com and Type in QSN#41018
In
Watertown
t aC tr n Co
$119,900
3 Bedrooms / 1.5 Baths
3 Bedrooms / 2 Baths
$179,900
Minutes from Ft. drum and local shopping, this wonderful double wide is ready for a new owner to call it home. Private area with great views. Looking from the front porch, enjoy the wilderness - park area and pond area are close by as well. Go to LifeandHomes.com and Type in QSN#41022
Watertown
$23,000 17643 Us Rt 11 23 High View Terrance
4 Bedrooms / 2 Baths
2 Bedrooms / 2 Baths
Lisa Watson Lic RE Salesperson
1063 C Arsenal Street Watertown, NY 13601 (P) 315-788-4444 (F) 315-788-5235
(P) 315-286-9682 (E) MLBJS5@hotmail.com (W) softmls.com/realtorwatson
Christensen RealtyUSA
Ernest L. Scribner
712 James Street Clayton, NY 13624 (P) 315-686-4000
US RT 11, Evans Mills
Lic. R.E. Salesperson
(P) 315-222-3153 (F) 315-686-3464 (E) ernest.scribner@gmail.com (W) www.christensenrealty.com
$21,900
Level building lot outside of Fort Drum. Lot acreage is 1.8, IRCSD school district. For more information, go to www.lifeandhomes.com and type in QSN# 41172
Fernwood Drive, Rutland
Single Wide Home in Northland estates mobile home park - lot rent approximately $360. 1991 Colony Keystone - 70 X 14. 3 storage units and a partial fenced yard area - great for kids or animals. Go to LifeandHomes.com and Type in QSN#41021
Rimada Realty
Coldwell Banker Military Markets Specialist
Northern New York
$43,500
122 Colorado Ave Stunning home with lots of space. Very large kitchen, plenty of counter space and cabinets. Updates include: New siding, newer windows, new appliances, some new insulation, beautiful deck that`s great for entertaining, and much more. Go to nnymls.com and Type in MLS#S226093
CHRISTENSEN
Theresa 35033 Lot 923 Eddy Rd
Watertown
C In
$219,000
5 acres w 2 stocked ponds. downstairs features high ceilings, garden window, sliding glass door that leads to screened in porch overlooking pond. New wood stove in LR, Kitchen w large island a sliding glass doors that lead to another porch overlooking pond. Go to LifeandHomes.com and Type in QSN#33792
1165 Academy Street Minutes from Fort drum. Nice open space as you enter front door. dining room has lots of light and new bamboo flooring. Large LR includes built in shelves and fireplace w new mantel and new electrical wiring for your tv. Go to LifeandHomes.com and Type in QSN#41016
Ct ra t on
Watertown
45226 Taylor Road
$30,000
8 Acre Lot in Jefferson County, Carthage School District.
FORT DRUM IS JUST MINUTES AWAY! This beautiful colonial home has 2576 sq. ft., 4 bedrooms with large closets, 2.5 bathrooms and a formal dining room. You can enjoy the kitchen with an eating area overlooking the in-ground pool and have your morning coffee on the front porch with a panoramic view. For more information, go to www.lifeandhomes.com and type in QSN# 41050
19830 Eddy Road, Carthage
$145,000
Nice 3 bedroom 1 bath home in the country only minutes to city of Watertown, Carthage, and Ft Drum. Nice acerage for gardens and outdoor activities, near snowmobile trails. Full basement can be finished. Plumbing is set up for a second bath. The 2 car garage is large and space for a workshop area. For more information, go to www.lifeandhomes.com and type in QSN# 41066
L i f e and H o m e s
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For more information, go to www.lifeandhomes.com and type in QSN# 41173
28333 Rogers Road, Evans Mills $294,900
5682 Old State Rd, Natural Bridge
$169,000
Nice home 25 minutes to Ft Drum. Nice family home or turn back into a duplex to provide income. Many updates, kitchen has been totally redone, new windows throughout. New septic and leach field installed 3 years ago. Above ground pool on very nice lot. For more information, go to www.lifeandhomes.com and type in QSN# 41065
10
We b r i n g p e o p l e a n d h o m e s t o g e t h e r .
243 Wyoming Ave., Watertown $99,900 A nice retirement home for downsizing or starter home. This clean home with 1 bath 2 bedrooms with an office. The kitchen has all appliance and house also comes with washer and dryer. For more information, go to www.lifeandhomes.com and type in QSN# 41048
Sylvia De Vita Lic R.E. Salesperson
Deirdre Hylen Licensed Real Estate Salesperson
315-586-2520
315-778-7381
www.sylvia.exitmorerealestate.com sdevita@exitmore.com
Evans Mills
Lot for Sale
www.dhylenfortdrum.com
Are you looking to buy or sell your home? Please log on to our website to view what is available.
dhylen@exitmore.com
$34,000
Evans Mills
$47,000
Watertown
Black River
Evans Mills
Watertown
$250,000
$265,000
Watertown
$159,000
Watertown
$99,000
Old World Charm! Tons of beautiful woodwork, crown molding and solid wooden floors. This home also has a double backyard, the lot size is 50x135, you’ll have plenty of space for family activities. The home has 3 high-ceiling bedrooms, 1 full bath on the first floor, a formal living room and formal dining area. Upstairs are 3 MORE bedrooms, one being a master suite with a walk in closet and full master bath, another room that would be great for similiar aged kids, with two adjoionging bedrooms and a huge play/study space and another bedroom room, this home was built for a big household. This home is move in ready.
$232,140
www.Life and Homes .com
11
L i f e and H o m e s
18874 U.S. Route 11, Watertown 315-782-9292
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This 2 story home is a real find. The home has been updated and remodeled with a stylish interior, it’s a must see. It has a big backyard with potential for a gargage in the future and still plenty of family area. This home will not last long, it is priced to sell. Owners have taken great effort in revitalizing this beautiful home, updating and keeping the original charm. New covered front porch, new flooring throughout and a new furnace, what more could you ask!
Beautiful home tucked away in a wooded 1.74 acre lot near Fort Drum,Watertown and the Thousand Island Region. Master bedroom has a walk-in closet and its own full bath. The open kitchen features ceramic tile that leads to the dining area and has access to the huge 2 stall attached garage. The front full length covered porch is perfect for entertaining!
18874 U.S. Route 11, Watertown 315-782-9292
$129,000
April
Theresa
$150,000
Updated and remodeled, beautifully cared for maintance free home, corner lot, near shopping, downtown square and 10 mins. to Fort Drum! New vinyl siding, new wood flooring, new Dura Stone kitchen flooring,freshly painted in designer colors. The open concept provides a great social area with a beautiful island, tons of cabinetry and includes all appliances! The master bedroom has walk in closet and the 2nd bedroom has custom shelving in a full size closet. Landscaping already done, great perenials to enjoy! Come see this lovely immaculate home.
Absolutely stunning energy efficient NEW home located across the street from Fort Drum. This one is a must see!! Private beautiful 2 story home has panoramic country views throughout the house. It sits on over 6 acres. It features a nice size open kitchen, sitting room, Living room, formal dining room, 2 1/2 baths,plenty of closet space, 3 bedrooms, Master bedroom has a full bath and an amazing bonus sitting room.
3 Bedrooms/2 Baths
$110,000
Location is key! This 3 bedroom 1 and half bath is located close to schools, parks, shopping and public square, but not on a busy street. A family friendly neighborhood that’s near the city. The home has beautiful original wood floors, that just need to be uncovered, built in shelving surround the working fireplace, a big front room for a office or play area, lots of orignial charm. The backyard is huge, this home is a keeper!
Absolutely beautiful!! Minutes to Fort Drum. You must see to believe this 3-4 bedroom 2.5 bath home!!! Cathedral ceilings with skylights and fireplace in the main living room that leads into the dining room with country views in the back yard. The spacious kitchen features an island and plenty of cabinet and pantry space. Kitchen appliances stay. Large laundry room downstairs. This is country living at its best.
3 Bedrooms/2.5 Baths
Natural Bridge
Watertown
$149,000
Vacant!!! Ready for a new family. Many recent upgrades! New carpet and flooring with updated kitchen and bathrooms, appliances included. Huge laundry room with washer and dryer. Within walking distance to downtown and minutes to Fort Drum. This house is bigger than it looks!! The eat-in kitchen leads to the back porch. Three nice size bedrooms. 2 car gargage with one side used as a heated WORKSHOP!
3 Bedrooms/2.5 Baths
$184,900
Outdoor sport persons dream! This 3 bedroom home sits on 4.44 Acres of Natural Bridge on the Indian River. Only 15 minutes from Fort Drum! The land borders the trout fed Indian River and behind the river is state owned forest. Small town charm and privacy. Features include ATV and snowmobile trails, beautiful hiking, fishing areas, the home has beautiful features throughout as well, original wood floors, a stone fireplace that was built from the stone on the property, come visit the potential!
Perfect building lot minutes to Fort Drum off of Route 11. Electric already in place! Zoned for commercial or residential.
4 Bedrooms/2Baths
Watertown
Turn key home available now! Great Neighborhood! Original hard wood floors througout this home that have been beautifully taken care of, fresh paint colors, crown molding and tons of cabinet space, the kitchen leads out to a wonderful backyard deck that runs the span of the home and offers a double lot with plenty of yard and wonderful perenials for years of enjoyment! If you are looking to move right in call today!
2 Beautiful Spacious lots near Fort Drum. These are Lots 1 & 2 in a series of 5. This lot is on a paved road with Ft. Drum across the street. Quiet and secluded.
Lot for Sale
Are you looking to buy or sell your home? Please log on to our website to view what is available.
306 James Street Clayton, NY 13624
Call Our Office (315) 686-5500
Bridging The Gap Between Buyers And Sellers Through Old Fashioned Values: Honesty, Integrity & Hard Work
Buying Or Selling Let Us Put Our Experience To Work For You!
DON’T MISS THE OPPORTUNITY!
ATTENTION ALL HOMEOWNERS!
Up to $8,000 tax credit for first time homebuyers Up to $6,500 tax credit for repeat homebuyers Purchase offer needs to be dated by 4/30/10 Home needs to close by 6/30/10
Homes are selling and we need listings. If you want a company that will go the extra mile to get your home sold - call today. Let us show you what we can do for you.
CALL FOR DETAILS
CALL FOR DETAILS
686-5500
686-5500
Watertown
Alexandria Bay
$239,000
Minutes from the River
3 Bedrooms / 2.5 Baths
4 Bedrooms / 3 Baths
Nearly new 3 Bedroom, 2.5 bath home with att. 2 car garage, beautiful kitchen and walk out basement.
Great house with finished basement. Situated on 1.78 acres.
Thousand Islands Realty, LLC
Thousand Islands Realty, LLC
Go to nywaterfronthomes.com and Type in MLS# S224018
Go to nywaterfronthomes.com and Type in MLS# S222272
Northern New York
315-686-5500
L i f e and H o m e s
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Les Henry Lic. R.e. assoc. Broker 315.771.7440
Marcie Travers Lic. R.e. Sales Person 315.489.4892
Melanie Curley Lic. R.e. Broker/owner 315.778.2458
315-686-5500
Tammy Byers Lic. R.e. Salesperson 315.405.5176
Jackie Barton Lic. R.e. Salesperson 315.771.7902
www.nywaterfronthomes.com • www.PCStoDrum.com
315.686.5500
12
$205,000
Minutes from Drum
We b r i n g p e o p l e a n d h o m e s t o g e t h e r .
Your All Inclusive Home Directory
LifeandHomes.com
La Fargeville
$159,900 Charming Country Ranch Home
Natural Bridge
3 Bedrooms / 2.0 Baths
6 Bedrooms / 2.5 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41176
For more details visit www.LifeandHomes.com Type in Quick Search #41051
Amanda Miller • 315-639-6180
Nancy Rome • 315-493-2134
Lake Ontario Realty
Rome RSA Realty L.L.C.
Lic. R.E. Broker • lakeontariorealty@yahoo.com
Home Loan Solutions • Northern FCU • 315-771-4783
Le Ray
Lic. R.E. Broker/Owner • nrome@twcny.rr.com
Home Loan Solutions • Northern FCU • 315-771-4783
Natural Bridge
$399,000
5682 Old State Rd
79 Acres
5 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41214
For more details visit www.LifeandHomes.com Type in Quick Search #41065
Anthony Pisarski • 315-783-6917
Ernest Scribner • 315-222-3153
Christensen Realty USA
Lic R.E Associate Broker • tpisarski@nnyonline.net
Home Loan Solutions • Northern FCU • 315-771-4783
Le Ray
W
$169,000
Elm Ridge Road
Elliott Realty, Inc.
nt ro f er at
$68,400
27585 Depot - 2 Unit
Lic. R. E. Salesperson • ernest.scribner@gmail.com
Home Loan Solutions • Northern FCU • 315-771-4783
Orleans
$100,000
$200,000
24631 Porter Road
County Rt 12
4 Bedrooms / 2.0 Baths
159 Acres
For more details visit www.LifeandHomes.com Type in Quick Search #33853
For more details visit www.LifeandHomes.com Type in Quick Search #41208
Nancy Rome • 315-493-2134
United Country Dwyer Real Estate Services Amy Dwyer • 315-658-2131
Rome RSA Realty L.L.C. Lic. R.E. Broker/Owner • nrome@twcny.rr.com
Home Loan Solutions • Northern FCU • 315-771-4783
Lic RE Broker/Owner • dwyerrealestate@hotmail.com
Home Loan Solutions • Northern FCU • 315-771-4783
Morristown
$295,000 77 Blackstone Bay Rd Waterfront
Orleans
8 Acre Parcel
Building Lot
For more details visit www.LifeandHomes.com Type in Quick Search #41085
For more details visit www.LifeandHomes.com Type in Quick Search #41207
Carol Adler • 315-786-6666
United Country Dwyer Real Estate Services Joanne Bourquin • 315-658-2131
Century 21 Millennium Realty Lic. R.E Salesperson • gcadler@northnet.org
Lic. R. E. Salesperson • 0@0.com
Home Loan Solutions • Northern FCU • 315-771-4783
Morristown
$35,000
Peel Dock Road
Home Loan Solutions • Northern FCU • 315-771-4783
Philadelphia
$225,000
$285,000
39 McEwen Rd
31617 US Rt 11
199 feet of water frontage
Commercial
For more details visit www.LifeandHomes.com Type in Quick Search #33160
For more details visit www.LifeandHomes.com Type in Quick Search #33819
Ruth Varley • 315-375-7860
Christopher Palmer • 315-771-3239
Garlock Realty
Brite Orange Realty
Lic. R.E. Salesperson • rvarley@twcny.rr.com
Lic. R.E. Broker • chrisp6366@aol.com
Home Loan Solutions • Northern FCU • 315-771-4783
Melanie Curley Real Estate Broker / Owner Thousand Islands Realty
Licenced Real Estate Salesperson Rimada Realty
Rimada Realty
1063 C Arsenal Street Watertwon, NY 13601 (P) 315-788-4444 (F) 315-788-5235 Phone: 315-286-9682 Email: MLBJS5@hotmail.com www.Life and Homes .com
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L i f e and H o m e s
George and Miriam Bowes, BrokerOwners, of Bowes Realty LLC each have 30 years experience in the Real Estate Business. They are full time agents, dedicated to serving you honestly and fairly. If you're buying or selling call George at 315-771-6543 or Miriam at 315-771-6542 and let their experience go to work for you. Phone: 315-686-3315 Web: www.bowesrealty.com Email: bowes@twcny.rr.com
Lisa Watson
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Phone: 315-778-2458 Email: melc@gisco.net
Broker / Owners Bowes Realty
April
I came to the area on vacation and liked it so much I decided to move here. I have been a Realtor since 1999 and opened my own office in September of 2006. My goal is to “Bridge the Gap Between Buyers and Sellers”. Customer service and satisfaction is the basis of my business. I was named Realtor of the year for 2008 by The Jefferson Lewis Board of Realtors.
George & Miriam Bowes
Home Loan Solutions • Northern FCU • 315-771-4783
LifeandHomes.com Philadelphia
$95,000 21 Garden Road - Multi Family
Rodman
4 Bedrooms / 2.0 Baths
3 Bedrooms / 1.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41209
For more details visit www.LifeandHomes.com Type in Quick Search #33953
United Country Dwyer Real Estate Services Amy Dwyer • 315-658-2131
George Briggs • 315-782-8498
Lic RE Broker/Owner • dwyerrealestate@hotmail.com
Home Loan Solutions • Northern FCU • 315-771-4783
Philadelphia
$158,500
Rutland
$169,900
4 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41217
For more details visit www.LifeandHomes.com Type in Quick Search #41216
June E. O'Brien • 315-788-4444
June E. O'Brien • 315-788-4444
Redwood
$123,500
Coldwell Banker-Rimada Realty Lic. R.E Salesperson • june.obrien@coldwellbanker.com
Home Loan Solutions • Northern FCU • 315-771-4783
Sackets Harbor
$279,000
43790 Second Street
20961 Storrs Road
3 Bedrooms / 2.0 Baths
3 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #33841
For more details visit www.LifeandHomes.com Type in Quick Search #41223
George Bowes • 315-771-6543
Barbara McKeever • 315-783-2995
Bowes Realty
Lic RE Broker/Owner • bowes@twcny.rr.com
Home Loan Solutions • Northern FCU • 315-771-4783
Redwood
$205,000
Hopkins Homes GMAC Real Estate Lic. R.E. Salesperson • bmckeever1@hotmail.com
Home Loan Solutions • Northern FCU • 315-771-4783
Sackets Harbor
27583 Ct Rt 192
$209,000 Charming Ranch in Sackets Harbor
3 Bedrooms / 2.0 Baths
3 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #33821
For more details visit www.LifeandHomes.com Type in Quick Search #41178
Christopher Palmer • 315-771-3239
Amanda Miller • 315-639-6180
Brite Orange Realty Lic. R.E. Broker • chrisp6366@aol.com
Home Loan Solutions • Northern FCU • 315-771-4783
Rensselaer Falls
$38,900
Lake Ontario Realty
Lic. R.E. Broker • lakeontariorealty@yahoo.com
Home Loan Solutions • Northern FCU • 315-771-4783
Syracuse
311 Todd Road
Custom Built Homes
3 Bedrooms / 1.0 Baths
Post & Beam
For more details visit www.LifeandHomes.com Type in Quick Search #41203
For more details visit www.LifeandHomes.com Type in Quick Search #33356
Linda L Love • 315-375-4486
Al Roy • 315-458-4256
Byrns Realty
Lic RE Associate Broker • linda@byrnsrealty.com
Home Loan Solutions • Northern FCU • 315-771-4783
Northern New York
Lic. R.E Salesperson • georgebriggsrealestate@hotmail.com
Home Loan Solutions • Northern FCU • 315-771-4783
2 Bedrooms / 1.5 Baths
Home Loan Solutions • Northern FCU • 315-771-4783
Jenn's Property Management Year Round Management Services I Can Handle it All, From Move In to Move Out Credit Checks, Tenant Issues, Emergencies 24 Hour Maintenance Available 10 Years Experience Dependable
■
Elliott Realty, Inc.
31855 NYS Rte 3
Lic. R.E Salesperson • june.obrien@coldwellbanker.com
L i f e and H o m e s
$105,000
11107 Lowe Road w
5 Irish Ave
Coldwell Banker-Rimada Realty
Contact Jenn 315-649-2709 • jennpropmgmt@gmail.com 14
Your All Inclusive Home Directory
We b r i n g p e o p l e a n d h o m e s t o g e t h e r .
Custom Home Masterpieces, Inc. 0 • alroy@twcny.rr.com
Home Loan Solutions • Northern FCU • 315-771-4783
Attention Homeowners
Your All Inclusive Home Directory Theresa
LifeandHomes.com Watertown
$199,900
$23,000
32188 Webster Tract
17643 Us Rt 11 23 High View Terrance
2 Bedrooms / 1.0 Baths
2 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #33818
For more details visit www.LifeandHomes.com Type in Quick Search #41021
Christopher Palmer • 315-771-3239
Lisa Watson • 315-286-9682
Brite Orange Realty
Coldwell Banker-Rimada Realty
Lic. R.E. Broker • chrisp6366@aol.com
Lic. R.E Salesperson • MLBJS5@hotmail.com
Home Loan Solutions • Northern FCU • 315-771-4783
Three Mile Bay
Home Loan Solutions • Northern FCU • 315-771-4783
Watertown
$15,000
$219,000
CO. Rt. 57
13115 County Rt 156
Building Parcel
3 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #33151
For more details visit www.LifeandHomes.com Type in Quick Search #33792
James Wiley • 315-778-1360
Lisa Watson • 315-286-9682
Bowes Realty
Coldwell Banker-Rimada Realty
Agent • jameslwiley@tds.net
Lic. R.E Salesperson • MLBJS5@hotmail.com
Home Loan Solutions • Northern FCU • 315-771-4783
Waddington
Home Loan Solutions • Northern FCU • 315-771-4783
Watertown
$82,500
$269,900
107 Lincoln Avenue
255 Paddock Street
3 Bedrooms / 1.5 Baths
3 Bedrooms / 2.0 Baths / 2 half baths
For more details visit www.LifeandHomes.com Type in Quick Search #41204
For more details visit www.LifeandHomes.com Type in Quick Search #41215
Steven Szafranski • 315-384-4769
Anthony Pisarski • 315-783-6917
Byrns Realty
Elliott Realty, Inc.
Lic RE Associate Broker • nemlaw@twccny.rr.com
Lic R.E Associate Broker • tpisarski@nnyonline.net
Home Loan Solutions • Northern FCU • 315-771-4783
Watertown
Home Loan Solutions • Northern FCU • 315-771-4783
Watertown
$125,000
$99,800
420 Broadway Ave W
911 Bronson
3 Bedrooms / 1.0 Baths
1 Bedrooms / 1.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41222
For more details visit www.LifeandHomes.com Type in Quick Search #33852
June E. O'Brien • 315-788-4444
Nancy Rome • 315-493-2134
Coldwell Banker-Rimada Realty
Rome RSA Realty L.L.C.
Lic. R.E Salesperson • june.obrien@coldwellbanker.com
Lic. R.E. Broker/Owner • nrome@twcny.rr.com
Home Loan Solutions • Northern FCU • 315-771-4783
Watertown
Home Loan Solutions • Northern FCU • 315-771-4783
Wellesley Island
$184,000
$595,000
628 Cooper Street
18723 Rock Baie Road
3 Bedrooms / 1.5 Baths
8 Bedrooms / Waterfront
For more details visit www.LifeandHomes.com Type in Quick Search #41221
For more details visit www.LifeandHomes.com Type in Quick Search #33461
June E. O'Brien • 315-788-4444
Deborah Schaefer • 315-836-3578
Coldwell Banker-Rimada Realty
Front Porch Realty
Lic. R.E Salesperson • june.obrien@coldwellbanker.com
LIc. R.E. Broker • debbie@thousandislandhomes.com
Home Loan Solutions • Northern FCU • 315-771-4783
Home Loan Solutions • Northern FCU • 315-771-4783
Allen Walker
Licensed R.E. Salesperson Bowes Realty
START LIVING YOUR DREAM TODAY!
Call Dean Case 315-942-4949 • Cell 315-534-3319 • Fax 315-942-2527 Adirondack Builders, Inc. is an independently owned and authorized dealer/builder for Tennesee Log Homes.
hardwood flooring • stair parts • molding
We Stock
KILN DRIED cherry, walnut, maple, butternut, ash, oak, exotics and woodworking supplies Visit our website anytime www.lakeshorehardwoods.com
266 Manwaring Road, Pulaski, NY 13142 • 315-298-6407
Allen is a native of Watertown, NY, after four years of military service in the US Coast Guard. A homeowner in Clayton and Cape Vincent for 30 years, he is very familiar with the Lake and St. Lawrence River area. Retired from Niagara Mohawk, Allen works his real estate career full time and is always available to be of service. Phone: 315-771-8189 Email: bowes@twcny.rr.com www.Life and Homes .com
15
L i f e and H o m e s
Q General Contracting Q Carpentry Q Plumbing Q Masonry Q Roofing Q Electrical work
■
"Our goal is to provide you with a no pressure, turn-key home building experience log or stick built."
Q Log Homes Q Timber Frame Construction Q Fireplaces Q Basements Q Decks Q Custom Kitchens Q Additions
April
Several log home plans are available, with many different log styles to choose from. We offer 3 species of wood and optional roof systems. The possibilities are endless...
mortgageCorner
Everything You Need To Know About A Remortgage By James Copper
When looking to remortgage, your aim is to switch to a deal that is more beneficial to you and saves you money/increases flexibility etc, whether this be sticking with your present lender or changing to another. What Are The Benefits Of Remortgaging? Remortgaging is a chance to switch from an inadequate mortgage and take full advantage of current products available such as fixed rate, tracker or discount mortgages which can offer you more competitive rates. Choosing the right deal for you is just as important when remortgaging as it was the very first time. Consideration should be given on your prediction of future interest rates, your own risk assessment, your income and the balance of the loan outstanding. You will also need to weigh up your monetary needs and present circumstance. Adverse Credit Remortgages also enables you to cut loose from a dissatisfactory lender as there is nothing to say you should stay with the same one. Doing either of these things when remortgaging may considerably reduce your monthly out goings. This is just one benefit of deciding to remortgage. Say for example you have a loan of 100,000 and are paying a rate of 7.5% interest; you then switch to another lender which has a rate of just 7% interest. This would mean you would be saving 31 each month, that's nearly 400 per annum.
L i f e and H o m e s
â–
Northern New York
Sometimes money tied up in the house could be put to better use else where. For an amount larger than what is needed to repay your original mortgage, remortgaging can release some of this equity to put towards investing in a new business venture or maybe even another property. How Long Will The Process Take? The process of remortgaging tends to be faster than that of a normal mortgage (but slower than adverse credit loans) as in this case you're not buying a property. The whole process without considering individual circumstances should take on average six weeks. The Cost Of A Remortgage As with your original mortgage, a survey to confirm the value of your property will need to be done as the first one will no longer be valid. Add onto this solicitor fees and administrative costs, however these will be lower than mortgaging for the first time and depending on your lender, they may be able to recommend certain people in association with them that could lower your costs.
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We b r i n g p e o p l e a n d h o m e s t o g e t h e r .
There maybe early repayment charges on your existing mortgage. This is when there is a penalty if you redeem the mortgage within a fixed period of time after commencing. For example, this could be additional pay of three to six months or a percentage of the loan amount. When looking at the cost of a remortgage you also have to look at the possible longer term benefits of the process and the money you could save. Quick Action Plan If still indecisive on whether remortgaging could work for you, run through the following points: Communicate with your existing lender and ask for a redemption statement. This indicates any penalties you will be charged in the event of remortgaging. It also states the amount still left to pay on your current mortgage.
When looking at a remortgage deal be sure to look at all the small print and ask the lender to clearly show what your potential repayments would be. It is always useful to ask for something in writing to use as a reference. Add up all costs payable with any new lender i.e., the arrangement and administrative fees. Legal fees should also be added on, these will vary depending on where you go and the value of your property. Armed with these facts and figures you should then weigh up whether remortgaging will benefit you and whether the long term savings will outweigh the immediate costs of remortgaging. James Copper enjoys writing on all aspects of finance. He works for Any Loans who specialise in the Adverse Credit Remortgage and Adverse Credit Mortgages. Source: 1starticles.info
FinancialPlanning What Life Expectancy Means to Retirement Planning The toughest question to answer when planning for retirement is, How long will I need the money? The truth is: no one knows for sure. If you have heard of life expectancy estimates but are not quite sure what they represent and what that means for your future, read on. Pension planners and insurance actuaries alike rely on life expectancy data to set rates and forecast payouts. Obviously, there is a need for a baseline. But, most people do not realize that life expectancy changes as you age.
Gary Sunada
For children born in 2002, the life expectancy for a male is 74.5; for a female it’s 79.9. Due to medical advances and lifestyle trends, these estimates have generally crept up a bit each year. Still, the way they are calculated is the same: These numbers are a median for the population’s collective life span. In other words, 50% of people will die before they reach that age while 50% will live beyond it. Interestingly, the longer you live, the longer you are expected to live. In fact, men who turned 61 in 2002 are expected to live to age 80; likewise, women are expected to reach 83.7. If a married couple both live to age 65, there is a 50% chance one of them will make it to 90. With those statistics in mind, it’s clear that more people than you might expect will require retirement income that can stretch several decades into the future. Fortunately, there are some financial instruments designed to provide retirees with guaranteed income for as long as they need it. The Lifetime Income Annuity from New York Life Insurance and Annuity Corporation (A Delaware Corp.), can help retirees plan confidently for a long and fruitful retirement. Using a lump sum premium, individuals or couples can purchase a Lifetime Income Annuity, which will provide them with a guaranteed income that is not subject to market swings and cannot be outlived. Even if your retirement lasts 30 or 40 years, your Lifetime Income Annuity payments can be relied upon to be there, no matter what. Various features can be added to your annuity contract at purchase, including an Annual Increase Option , which helps combat inflation, and a Cash Refund option that will return to your heirs the difference between your initial premium and any payments already received if you should die prematurely. This educational third-party article is being provided as a courtesy by Gary Sunada, Financial Services Professional, New York Life Insurance Company. To learn more about the information or topics discussed, please contact him at 315.738.2612. Annuity 2000 Basic Mortality Table 2 Guarantee is backed by the claims paying ability of the issuer. 3 The policy owner must elect this option at the time of purchase and be at least age 59 ½ at the time of the first income payment. If you elect this option, you choose to have your income to start lower, but your payments will increase each year by 1% to 5%, depending on the percentage you choose. By structuring your payments this way, you may help neutralize the impact of inflation as your living expenses increase over time. Annual Increase Option is not available with either the changing needs option or the Income Enhancement Option.
Designing a Safer, Smarter Retirement Strategy You worked hard, saved your money, secured a company pension, built up a 401(k), and invested well. In short, you made all the right choices in planning for retirement. But that was then; this is now. Read More
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Do You Need a Will?
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A will is one of the most important documents you can create in your lifetime. Think of a will as the financial blueprint of the distribution of your assets after your death. Your will can clearly state who will be guardian of your minor children, who will inherit your assets, when they will inherit your assets, and any conditions that must be met for them to receive your assets.
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