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2010

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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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L i f e and H o m e s

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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)

Free Delivery of LifeandHomes

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Have a PDF sent right to your email. visit www.LifeandHomes.com Click on the magazine www.Life and Homes .com

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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.

■

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

LifeandHomes provides Free Access to High Definition real estate Videos on Demand Local Homes For Sale

Go to www.LifeandHomes.com click on

“Video Channel”

LH

To Learn more about Life on Demand videos Contact- V Productions at 315-520-3524 or email: info@dashvproductions.com

Top 10 Tips for Energy Savings

April â–

www.Life and Homes .com

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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

â–

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.

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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 .

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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Interviewing successful people and revealing their winning strategies.

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Listen Live or Log On Anytime at www.LifeandHomes.com - Click on Talk Radio

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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$125,900

19073 State Rt 12f

Coldwell Banker-Rimada Realty

from

$294,900

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

13

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.

16

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.

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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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