Life and Homes Capital Region New York

Life and and

Capital Region Central NY

Homes

FREE Free April

j u ly 2014

2010

R e sB i dr ei n ng t iianl g• p Ce oo mpml ee r cai n ad l • hMoum l tei s- F taomgi e l yt h• e Lr a n d

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House Hunting Made Easy at LifeandHomes.com

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Life and

Your New Hou$e

Homes

My wife nearly jumped through the TV when she heard starryeyed newlyweds say they “had” to find a newly constructed home because they couldn’t afford repairs on an older home.

Capital Region, NY, Edition

Published By capital region lifeandhomes Gary S Ziele, RMC 518-727-2012 Gary@lifeandhomes.com

“It’s move-in ready,” they gushed, moving from room to room in the house at the very top of their budget. “We won’t have to do a thing except move in.” As long as they can live without shelving in the pantry, bars to hang their clothes on in the closets, a doormat at the entry, window treatments, etc., they should be very happy in that new home, don’t you think?

Publication Franchisee, RMC G ary S. Ziele

Gary Ziele

Director of Sales and Marketing 518-727-2012 • Gary@lifeandhomes.com

In reality, it doesn’t matter if you’re moving into your first apartment, a newto-you home or even a dorm room, moving can put a substantial dent in your wallet. Keep from being blindsided by creating a record of your expected expenses when calculating your total moving costs.

PO Box 12201, Albany, NY 12212

THIS WEEKEND‘S

OPEN HOUSES

Capital Region

518-321-5529 TammyM@LifeandHomes.com

518-723-3937 BridgetG@LifeandHomes.com

Advertising Deadline August Issue June 27, 2014

Visit LifeandHomes.com/NY for Open House information, updated every Friday afternoon @ 4:30.

Follow Us on Facebook

www.facebook.com/pages/Lifeandhomes.CapitalRegion

The Most Affordable Way to Promote Your Listings Call 518-727-2012 Marke print /online

AllYour Listtings

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L i f e and H o m e s

Account Executive tammy monroe

Corporate Office

Lisi Merchant Solutions, Inc. PO Box 18 Holland Patent, NY 13354

315-865-5845 Fax 1-315-865-7418 www.LifeandHomes.com/CR-NY

518-727-2012 • Gary@lifeandhomes.com

foras Lowas

$15

LifeandHomes' goal is to increase real estate, and real estate-related, transactions in our local area. We live here. We care.

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 .

518-727-2012

Account Representative bridget gu zek

Gary Ziele

2

David@LifeandHomes.com

Capital Region LifeandHomes™

Remember to factor in the cost of items such as cleaning supplies, utility deposits, and home repairs for your current and new place. Budget for moving supplies, moving services or truck rental, insurance, fuel, food/ beverages for those helping you move, tolls and, if you’re moving long distance, hotels. Lighting, floor and window treatments are typically needed for new spaces; and don’t forget about the cost of replacing the food from your fridge/freezer that didn’t make the move with you.

Planning ahead and setting aside additional funds for incidentals can eliminate stress and help you stay on budget on moving day and beyond.

Corporate Owner D avid Lisi 315-865-5845

For franchise information call, 315-865-5845 LifeandHomes is published monthly by Lisi Merchant Solutions, Inc. 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 © 2014 Lisi Merchant Solutions, Inc.

Looking for a Franchise?

LifeandHomes™ Franchise is a low cost, home-based, recurring revenue business model.

Our franchise system enables the franchisee to become the Real Estate Marketing Expert in their community.

Contact David Lisi 315.865.5845 LifeandHomes.net david@lifeandhomes.com

Checklist For Hiring a

Window Installer

When it comes time to replace the windows in your home, who are you going to call? You should always do a good amount of research on the person(s) you trust to install your windows beforehand to assure a successful outcome.

The experts at Simonton Windows have created the following checklist to help you hire the best window installer for your project.

• Seek out written estimates from at least three different installers. If there are price variations, ask for an explanation and don’t simply select the lowest bidder. Have the installers itemize their estimates.

• Verify professional licenses, insurance policies and bonding.

• Do a background check through Angie’s List, the Better Business Bureau or other agencies in your area on any contractor you’re seriously considering for the project.

• Determine if the project bid being offered by an installer is an estimate or a fixed price. If it’s an estimate, determine a specific amount the price could increase by on the job and set a cap limit.

• Visit current jobsites of installers you’re interviewing to see their safety practices, how they treat the homes and property, and to gain a feeling for their work skills.

• Consult with your homeowner’s insurance company to see if there are any additional considerations you should know about when having work performed on your home.

Join the Conversation: Go to www.facebook.com/ pages/Lifeandhomes.CapitalRegion to leave your thoughts on this and other articles.

What a Home

Inspection Can Do For You

When buying a new home, an inspection should be viewed as a necessity.

“You want surprises that come with homeownership to be happy surprises, not bad ones,” says J.J. Montanaro, a certified financial planner with USAA. “A thorough home inspection by a certified professional can help ensure that’s the case.”

You’ll pay around $300 to $500 for an inspection, which can take two to three hours. The cost can vary based on your geographic region, and the size and age of the home. Requesting other services, such as septic and radon testing, will add to the fee.

To help get the most from a home inspection, Montanaro and Salt Lake City home inspector Kurt Salomon offers this advice: * Do your homework: Many contracts include a home-inspection deadline, so start shopping for an inspector when you qualify for a mortgage. * Look for the inspection clause: Before you sign a contract, make sure it includes a clause that makes your purchase contingent on the findings of an inspection with the inspector you choose.

Meeting Buyer Demands In A Seller’s Market In the earliest days of the efficiency trend, many buyers would have settled for a house that reduced heating and cooling costs through good insulation, or cut electricity bills with energy-sipping appliances.

Modern buyers, however, are interested in homes that take a holistic approach to energy efficiency.

That means supplementing energy savings with more thoughtful features like daylighting and natural ventilation through energy-efficient skylights, using solar-powered water heaters, and employing intelligent controls for skylights, other lighting and heating/cooling systems.

Buyers want energy-efficient upgrades that also offer high aesthetic appeal in addition to functionality, making features like ENERGY STAR-qualified skylights particularly popular. In fact, 55 percent of homebuyers in a National Association of Home Builder’s survey said skylights are desirable or essential.

Installing no-leak, solar-powered fresh air (venting) skylights, notes Skylight manufacturer VELUX America, not only enhances indoor air quality, but can boost energy efficiency, working in concert with windows. Add remote-controlled, solarpowered blinds and skylight energy performance ratings can improve as much as 45 percent. And solar powered skylights and blinds, as well as the installation costs, are eligible for a 30 percent Federal tax credit. (BPT) Join the Conversation: Go to www.facebook.com/ pages/Lifeandhomes.CapitalRegion to leave your thoughts on this and other articles.

www.Life and Homes .com

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L i f e and H o m e s

• Discuss interior and exterior access to your home with the potential installers. Ask about their cleanup policies, bad weather policies and what other situations may influence their performance. Make sure the installers and their subcontractors are bonded.

These are a listing of just some items homeowners should consider before hiring a contractor or window installer. Check with your local Better Business Bureau, home builder’s association and other local professional organizations for additional suggestions. (HIT)

Join the Conversation: Go to www.facebook.com/ pages/Lifeandhomes.CapitalRegion to leave your thoughts on this and other articles.

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• Make sure you completely understand all the terms and conditions of a contract before signing.

• If your project is estimated at more than $6,000, investigate the option of having the installer post a performance bond for the entire cost of the project.

* Hire a pro: Shop around. Ask friends, neighbors and real estate agents for recommendations. For help online, the American Society of Home Inspectors has a database of its certified inspectors. (BPT)

July

• Don’t be pressured into signing anything because of an installer’s limited availability or special promotions. Take your time to pick the right installer.

newsShorts

Organize Your Closets

Like A Pro

Any time of year can be the right time to give your closets the once-over. A wellorganized closet space offers several benefits. For starters, you can save time when you can find the items you are looking for. That can also mean less stress and more time to enjoy with family and friends.

To help, here are some tips from EasyClosets—an online provider of do-it-yourself custom organization systems for all areas of the home.

• Closets can be easily overrun with clothes, shoes and jackets that you no longer wear or are out of season and are taking up valuable space. Rotating your wardrobe with the season and purging items keeps everything organized and gives your closet some space to breathe.

• Create dedicated areas for specific types of items so you will know where to find them - and where to put them away - every time.

• Position shelves, hanging rods and drawers in a convenient location that makes it simple to get to items that are used frequently.

• Use your closet’s top shelves to store off-season or seldom-used items, including hats, luggage and extra bedding.

• Organize your belts, ties or scarves with pull-out racks that keep items separated and accessible.

• In kids’ closets, you can make it easier to keep things orderly with baskets and shelves placed within their reach. Wire baskets will let your little ones see what’s inside.

Double up on hanging rods to maximize space and make clothing items more visible. As they grow, you can move or remove the adjustable rods.

• To organize your entryway closet, create zones by dedicating baskets, hooks and shelves to each family member. Use them to store jackets, shoes, hats, bags, the dog’s leash and seasonal items.

EasyClosets offers products that are custom made in one business day and shipped to your home.

The company has an intuitive online design tool to make space planning quick and easy and complimentary design service is also available, allowing customers to have an expert review their plan or create it for them.

Upgrading to a custom closet can increase the quality and value of your home. Plus, you can save up to 50 percent by designing and installing the organizers yourself. To learn more, visit www.easyclosets.com. (NAPSI) Join the Conversation: Go to www.facebook.com/ pages/Lifeandhomes.CapitalRegion to leave your thoughts on this and other articles.

Capital Region

PROGRAM SCHEDULE Positive Start 7am-10am

Radio

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L i f e and H o m e s

newsShorts

NETWORK

The Wealth Report 3pm-3:30pm The Dirt Doctor 4pm-5pm

Go to LifeandHomes.com and click on Radio Network to join in!

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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 .

Kids and Cords

Don’t Mix

Window cords can pose a potential strangulation hazard to young children.

According to the U.S. Consumer Product Safety Commission, (CPSC), corded window coverings are among the top five hidden hazards in American homes. The CPSC recommends three steps to help prevent strangulations: 1. Examine all shades and blinds for exposed cords on the front, side and back of the product.

Retrofit or replace them with today’s safer products.

Ask grandparents and family members to check their window coverings for potentially dangerous cords as well.

2. Use only cordless window coverings in homes with young children.

3. If you cannot afford new, cordless window coverings, contact the Window Covering Safety Council at 800-506-4636 or at www.windowcoverings.org for more information and a free repair kit to make them safer. (cpsc.gov) Join the Conversation: Go to www.facebook.com/ pages/Lifeandhomes.CapitalRegion to leave your thoughts on this and other articles.

NEW SHOWS STARTING IN FEBRUARY

Open Market Listing Service™ Albany

LifeandHomes.com For more information on any of these houses, visit www.LifeandHomes.com and type in the QSN#

Albany

$220,000

2105 Central Ave.

44 Colonial Ave

Commercial Location with Parking.

QSN #332219

$249,900

4 Bedrooms / 2.5 Baths QSN #326697

RE/MAX Park Place Dan Novak

Better Homes and Gardens Real EstateTechValley

Lic. Associate Broker

Lic R.E. Salesperson

Pam Linnan

518-588-8945

518-424-7744

realestate518@gmail.com

pam.linnan@tvhre.com

Albany

$169,900 409 Delaware Ave. - 2 Unit

Albany

6 Bedrooms / 2.0 Baths

3 Bedrooms / 1.5 Baths

QSN #332741

QSN #327876

$219,000

30 Pinehurst Ave

CCS Realty Group Patrick Seeberger Lic. R.E. Broker

Brokers Network Louise Giuliano Lic. Associate Broker

518-573-2943

518-470-4877

pat@ccsrealtygroupllc.com

Albany

amerasia@nycap.rr.com

Albany

$439,900

94 Chestnut St - 3 Unit 7 Bedrooms / 6.0 Baths QSN #327870

2 Bedrooms / 2.0 Baths QSN #326692

CM Fox Real Estate Carmella Richards

Capital Tech Real Estate Group LLC

Donna Neary-Hart

Lic. Associate Broker

Lic R.E. Salesperson

518-928-6486

518-339-4733

carmellahn@yahoo.com

Albany

dnearyhart@nycap.rr.com

Albany

$195,000

9 Wood Ter.

$149,900

352 State St., Unit 2A

3 Bedrooms / 2.0 Baths QSN #329843

$84,900

102.5 Ontario St.

2 Bedrooms / 1.5 Baths QSN #341160

518Realty.com Thomas Ginnelly

Capital Tech Real Estate Group LLC

Donna Neary-Hart

Lic R.E. Salesperson

Lic R.E. Salesperson

518-669-6809

518-339-4733

tom@518realty.com

Albany

dnearyhart@nycap.rr.com

Albany

$249,900

82 Brookline Ave.

$128,400

205 Greenwich Dr

3 Bedrooms / 2.5 Baths

2 Bedrooms / 1.0 Baths

QSN #326696

QSN #327878

Pam Linnan

Coldwell Banker Prime Properties Alfred McCormick

Lic R.E. Salesperson

Lic R.E. Salesperson

Better Homes and Gardens Real EstateTechValley

518-424-7744

518-339-6943

pam.linnan@tvhre.com

al.mccormick@coldwellbankerprime.com

Daniela Keegan

Patrick Seeberger Licensed Real Estate Broker/Owner

List with me for a Free Home Staging Consultation, home staging is one of the most effective tools you can use to sell your home for top dollar!

1801 Western Ave Albany, NY 12203

Where a handshake still counts!

Brian T. Neary Licensed Real Estate Salesperson

27 Dormie Ave Mechanicville, NY 12118 (C)

518-573-4287 (O)518-664-5848

FHdogman@gmail.com

Rates as low as 3.5%

CCS

Realty Group 36 Blue Jay Way Rexford, NY 12148

www.Life and Homes .com

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L i f e and H o m e s

daniela.keegan@coldwellbankerprime.com

www.TironiOne.com

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(518) 573-2943

Licensed Real Estate Salesperson Accredited Staging Professional®

518-852-1879

July

pat@ccsrealtygroupllc.com

V.S.I. LLC Visual Structural Inspections Serving the Capital District since 1993

Protect your biggest investment with a Home Inspection

158 Woodin Rd, Clifton Park, NY 12065 (518)371-7944 • Fax: (518)348-0878 NYS License# 16000005522

NYS License Home Inspector Lic# 16000005522 • NYS Certified Pest Inspector #T5685318 NYS Certified Home Inspector Instructor • Instructor & Owner of Clifton Park Home Inspection Training Center (Affiliated with Askus) • NYS Certified Code Officer By providing access to both equity and debt markets, we are able to offer struc

Associations: President of Local Chapter of NACHI • Member of NYSBOC to address rapidly changing markets, create the optimal capital structure, acces

capital, and enhance the value of complex transactions. Selecting debt, equi capital can represent the most critical and difficult component of any real est requires seasoned professionals with proven track records of su

With my home inspections you will receive a good professional inspection.

Commercial Lending Source Peachtree Southern offers small balance commercial real estate loans as well.

Capital Region

Whether you’re a commercial property owner-investor or a small business owner, PSC has a variety of competitive loan options to fit most every property and every borrower.

L i f e and H o m e s

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Our Core Program $200,000 - $2,500,000 We understand a credit ding here, a scratch there. The challenging economy has left many of us a little bruised. We take a step back and look at the property, its performance and you, the borrower. This common sense approach enables us to see the balanced big picture that traditional banks often overlook.

Our Bank Quality Program $500,000 - $5,000,000 A well-managed credit profile should be rewarded. Our premium program does just that by offering competitive rates for strong borrowers and quick turnaround times. We’re not the biggest, but we just may be one of the fastest.

Our Alternative Funding Program $200,000 - $500,000 We look at a property’s performance and weigh net operating income and debt service coverage ratios to find the best loan to help challenged borrowers stabilize assets and realize improved financial performance.

Details. Details. It’s what we do best. The more we know, the faster we can tailor a loan to meet your needs. So call and tell us about your property. We’ll handle the details.

5 1 8 - 7 2 7 - 2 0 1 2 O R E M A I L G A RY @ L I F E A N D H O M E S . C O M 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 .

AC E P

HTREE

SOUTHERN COMMERCIAL LLC

Open Market Listing Service™ Altamont

LifeandHomes.com For more information on any of these houses, visit www.LifeandHomes.com and type in the QSN#

Cohoes

$109,000

4218 Becker Rd.

$225,000

202-206 Ontario St.

2 Bedrooms / 1.0 Baths

Multi Building Income Potential

QSN #332217

QSN #327877

RE/MAX Park Place Dan Novak Lic. Associate Broker

Lic. Associate Broker

518-588-8945

518-470-4877

realestate518@gmail.com

Ballston

Brokers Network Louise Giuliano amerasia@nycap.rr.com

Cohoes

$399,900

400 Eastline Rd

$157,500

4 Ziemke Farm Lane

5 Bedrooms / 3.0 Baths

3 Bedrooms / 1.1 Baths

QSN #328436

QSN #340854

Coldwell Banker Prime Properties Robert Vinsick Lic R.E. Salesperson

Lic R.E. Salesperson

518-860-8925

518-542-6070

rvinsick@cbpp.com

Ballston Spa

Realty USA Rachel Derikart rderikart@realtyusa.com

Colonie

$289,000

2 Chantal Ct.

$1,100

1719 Central Avenue

4 Bedrooms / 2.5 Baths

Commercial Space For Lease

QSN #331545

QSN #338214

North 40 Real Estate Karen Relation Lic R.E. Salesperson

Lic. Associate Broker

518-588-7106

518-470-4877

north40re@aol.com

Charlton

amerasia@nycap.rr.com

Colonie

$384,900

4114 Jockey St.

3 Bedrooms / 2.0 Baths QSN #328439

Purdy Realty LLC Ildiko McPhilmy Lic. R.E. Broker

Lic RE Broker/Owner

518-209-8221

Steve@518Realty.com

Colonie

$279,900

92 Werner Rd.

4 Bedrooms / 2.5 Baths QSN #337132

Tironi One Realty Brian T. Neary Lic R.E. Salesperson

518-542-6070

FHdogman@gmail.com

(518) 545-5984 dnearyhart@nycap.rr.com

donnanearyhart.com

• Gutters & Leaf Guards Installed • 24 Hour Snow/Ice Emergency Service • Will Cut for Do-It-Yourselfers • Commercial/Residential • Existing Gutters Repaired & Cleaned • Soffit & Fascia Repairs • Drywell & Drains Installed • Open Year Round • Guaranteed • Installation Within 10 Business Days

5&6” Gutters • FULLY INSURED

Owner: Scott Tynon

Serving Saratoga, Warren & Washington Counties

SCOTT ENTERPRISES FREE

ESTIMATES!

518-745-4356 Entering Our 15th Year!

Louise Giuliano

CCIM, Licensed Associate Real Estate Broker Director of Commercial, Investment & International Real Estate

2122 Orchard Park Drive Niskayuna, NY 12309

Office: 518-952-0665 Mobile:518-470-4877 email: amerasia@nycap.rr.com www.Life and Homes .com

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L i f e and H o m e s

Licensed Real Estate Agent

QUEENSBURY SEAMLESS GUTTERS, LLC ■

Donna Neary-Hart

rderikart@realtyusa.com

July

I can help guide you through all aspects of the sale and purchase of a home from beginning to end, helping you avoid the stumbling blocks that can arise through the process.

Realty USA Rachel Derikart Lic R.E. Salesperson

518-573-4287

Capital Tech Real Estate Group LLC 35 Mountain Way Troy, NY 12182

$399,000

26 Dutch Meadows Dr.

3 Bedrooms / 2.5 Baths QSN #340850

518Realty.com Steven Sbardella

518-253-2295

imcphilmy@yahoo.com

Clifton Park

$179,900

21 Highland Ave.

3 Bedrooms / 2.5 Baths QSN #327141

Brokers Network Louise Giuliano

pRiCed to Sell!

Radisson Condo For Sale by owner!

Radission in Baldwinsville $105,500

Featured Property

42 Sweetie lane, Knox $392,900 extraordinary Contemporary Custom log Home on 6.97 Serene acres with Spectacular Views! rustic feel with modern amenities! Just a short drive to albany and the quaint village of altamont… gorgeous contemporary custom log home with spectacular mountain views on 6.97 acres with separate guest house providing an additional 900 sq. ft. of living space. this rustic-feel home with modern amenities showcases a 2-story stone fireplace in the vaulted formal living room, along with first and second floor master bedrooms, two decks, 3-season sun room and patio overlooking the incredible serene nature, including pond and so much more! Just a 30 minute drive to albany, and minutes to the quaint village of altamont, shopping and major highways. priced below bank appraisal! low taxes! Zoned agricultural - a perfect property to accomodate horses & other farm animals. this is a property with something for everyone…

www.42Sweetie.com | MlS#201404721

Christy Center Licensed Salesperson

518-573-5635

ccentermrg@gmail.com

Real Estate Investment Capital Region

Experts

L i f e and H o m e s

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• Free Real Estate Investment Consulting Services • Innovative Marketing Strategies • Over 400 Nationwide Investor Buyers Network

SBG Realty

286 Genesee Street utica Ny 13502

315-793-7580 8

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 .

Joel Siegfried

Patricia Morreale

Licensed R.E. Broker

Licensed Real Estate Salesperson

jsiegfried35@gmail.com

parispm2@yahoo.com

315-796-2258

315-292-4821

Open Market Listing Service™ East Greenbush

LifeandHomes.com For more information on any of these houses, visit www.LifeandHomes.com and type in the QSN#

Lake George

$400,000

28 Jenna Ln.

$995,000

2354 Rt 9n - Commercial

4 Bedrooms / 2.5 Baths

Living Quarters + 8 Chalets

QSN #328154

QSN #327207

Realty USA Vera Luft

Purdy Realty LLC Ildiko McPhilmy

Lic R.E. Salesperson

Lic. R.E. Broker

518-859-8117

518-253-2295

vluft@realtyusa.com

Florida

imcphilmy@yahoo.com

Loudonville

$219,500

$459,000 14 Loudon Heights North

140 State Highway 161 3 Bedrooms / 1.0 Baths

5 Bedrooms / 4.5 Baths

QSN #327874

QSN #340649

Coldwell Banker Prime Properties Suzanne Phillips

Realty USA Martha P. Chamberlin

Lic R.E. Salesperson

Lic. R.E. Broker

518-640-4849

518-441-7030

sphillips@cbpp.com

Glenville

mchamberlin123@gmail.com

Loudonville

$115,000

Ridge Rd. - Building Lot

$585,000

11 Fairview Rd.

10+ Acres with 300’ Frontage

4 Bedrooms / 4.0 Baths

QSN #327875

QSN #340650

Coldwell Banker Prime Properties Suzanne Phillips

Realty USA Martha P. Chamberlin

Lic R.E. Salesperson

Lic. R.E. Broker

518-640-4849

518-441-7030

sphillips@cbpp.com

Guilderland

mchamberlin123@gmail.com

Malta

$243,500

1153 Meadowdale Rd.

$147,900

75 Pepperbush Place

4 Bedrooms / 1.5 Baths

2 Bedrooms / 2.0 Baths

QSN #336956

QSN #332739

Miranda Real Estate Group Inc. Christina Center

CCS Realty Group Patrick Seeberger

Lic R.E. Salesperson

Lic. R.E. Broker

518-573-5635

518-573-2943

ccentermrg@gmail.com

Knox

pat@ccsrealtygroupllc.com

Mechanicville

$392,900

42 Sweetie Lane 3 Bedrooms / 3.0 Baths

5 Bedrooms / 2.5 Baths

QSN #336955

QSN #340851

Miranda Real Estate Group Inc. Christina Center Lic R.E. Salesperson

518-573-4287

ccentermrg@gmail.com

mchamberlin@realtyusa.com

RealtyUSA.com 20 Aviation Road Albany, NY 12205 Office: (518) 489-1000

20 Aviation Rd Albany, NY 12205

Robert Vinsick Licensed Real Estate Salesperson

Cell: (518) 860-8925

Email: rvinsick@cbpp.com

www.Life and Homes .com

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L i f e and H o m e s

RDerikart@RealtyUSA.com

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Cell: (518)542-6070

Cell: 518-441-7030

1754 Rt. 9, Parkwood Plaza Clifton Park, NY12065

July

The Maryellen Blair Team

FHdogman@gmail.com

Martha P Chamberlin

Licensed Associate Real Estate Broker

Tironi One Realty Brian T. Neary Lic R.E. Salesperson

518-573-5635

Rachel Derikart Licensed Real Estate Salesperson

$174,900

420 Park Ave.

The Valente Group llC.

Wealth Management

518-431-9880

Salvatore T.Valente III, RFC® President/C.E.O

What is a fee only Fina ncia l Pla nner a nd Why Should I ca re?

Answer:

Your Fiduciary: As a registered Investment Advisor Firm, it is required of us to always act as our clients fiduciary. This means always putting our clients best interests first. This is in contrast to that of a Broker/Dealer relationship, as Broker/Dealers are only required to make “suitable” recommendations versus always being required to make recommendations that are in your best interest.

Transparent: Registered Investment Advisor Firms are required to always fully disclose all fees and potential conflicts of interest to you, the client. Our clients know exactly how much they pay for our services in a clearly spelled out written agreement – again in stark contrast to traditional Broker/Dealer representative requirements on transparancy.

Fee Only: As a registered Investment Advisor Firm, we are compensated from fully disclosed fees, and accept no commissions or any other forms of third party compensation, thus eliminating any conflicts of interest. Again, as a Registered Investment Advisor Firm, we are always required to act in your best interest, and we can think of no better way than by refusing commissions and third party incentives for recommendations we make that create conflicts of interest.

In addition to all of the above, we are:

Capital Region

Independent – We work for our clients, rather than representing a specific bank, investment or insurance company. We have no sales quotas, contests and accept no compensation from third parties, therefore we can offer our clients many, many more investment options at a much lower cost.

L i f e and H o m e s

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Are you ready to experience the fee-only difference?

We are never paid commissions or referral fees, We do not sell products (loaded Mutual Funds or ”other products”). you pay for our objective, unbiased advice and expertise, which aligns your goals with our goals – to grow your wealth.

518-431-9880

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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 .

Open Market Listing Service™ Menands

LifeandHomes.com For more information on any of these houses, visit www.LifeandHomes.com and type in the QSN#

Northhumberland

$1,950,000

2 Edgewood Cirle 4 Bedrooms / 6.0 Baths

2 Bedrooms / 2.5 Baths

QSN #337135

QSN #327143

Realty USA Martha P. Chamberlin

Realty USA Tim Monahan

Lic. R.E. Broker

Lic R.E. Salesperson

518-441-7030

518-588-2228

mchamberlin123@gmail.com

Moreau

tmonahan@realtyusa.com

Northhumberland

$449,900

11 Macory Way

2 Bedrooms / 2.5 Baths QSN #327142

Realty USA Scott Varley

Realty USA Tim Monahan

Lic. Associate Broker

Lic R.E. Salesperson

518-583-SCOT

518-588-2228

svarley@realtyusa.com

Niskayuna

tmonahan@realtyusa.com

Pittstown

$293,500

1725 Union St.

$72,000

21 Aiken Lane

Investment Opportunity

23+ Acres

QSN #338061

QSN #340852

Brokers Network Louise Giuliano

Tironi One Realty Brian T. Neary

Lic. Associate Broker

Lic R.E. Salesperson

518-470-4877

518-573-4287

amerasia@nycap.rr.com

Niskayuna

FHdogman@gmail.com

Poestenkill

$189,900

2109 Morrow Ave.

$399,000

13 Cayuga Ct.

3 Bedrooms / 2.0 Baths

5 Bedrooms / 2.5 Baths

QSN #328153

QSN #328148

Coldwell Banker Prime Properties Thomas Marks

Realty USA Patrick Sunkes

Lic. Associate Broker

Lic R.E. Salesperson

518-421-1400

518-424-2632

tmarks@cbpp.com

Niskayuna

psunkes@realtyusa.com

Queensburry

$339,900

10 Reilly Way

High Visibility Area

QSN #329440

QSN #338640

Realty USA Rachel Derikart

Brokers Network Louise Giuliano

Lic R.E. Salesperson

Lic. Associate Broker

518-542-6070

518-470-4877

rderikart@realtyusa.com

amerasia@nycap.rr.com

Dan the Man with the Home Sale Plan Karen Relation 38 Brian Ct. Troy, NY 12182

Associate Broker/ Seller Listing Agent

Listing rates as low as 3.99%

Call For Your FREE

MARKET ANALYSIS! See what your home is worth with no obligation to sell.

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518-932-0327 Office 518-361-HOME Cell myagentdenisehill@gmail.com

denisehillrealestate.com

Relationships Are More Important Than Transactions www.Life and Homes .com

11

L i f e and H o m e s

Serving Guilderland & Beyond.

www.north40re.com

Real Estate Salesperson

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The most money you can get, as quickly as you can get it, with the fewest problems possible.

RE/MAX Park Place 1795 Route 9, Clifton Park, NY 12065 (518) 383-8300

Your Real Estate Authority

518.588-7106

Denise L. Hill July

Daniel Novak REALESTATE518@gmail.com

$350,000

20 Main Street

3 Bedrooms / 2.0 Baths

(518) 588-8945

$289,000

42a Brampton Ln

3 Bedrooms / 2.5 Baths QSN #340145

$329,000

11 Brampton Ln.

LifeandHomes.com

For more information on any of these houses, visit www.LifeandHomes.com and type in the QSN#

Open Market Listing Service™

Queensburry

Saratoga Springs

For Lease by Owner

3 Bedrooms / 2.5 Baths

19 Boulevard QSN #340748

$499,900

9 Maria Ln. For Lease By Owner Nick Daigle

QSN #328151

Realty USA Celia Dillon

For Sale By Owner

Lic R.E. Salesperson

518-796-6521

518-857-3684

daiglenick@yahoo.com

Queensburry

$259,000

Big Bay Road

Saratoga Springs

$1,000,000

7 Joshua Road

5 Bedrooms / 1.5 Baths QSN #340747

cdillon@realtyusa.com

4 Bedrooms / 3.5 Baths

For Sale By Owner Arthur Lemay

QSN #340146

Realty USA Scott Varley

For Sale By Owner

Lic. Associate Broker

518-796-6993

518-583-SCOT

gary@lifeandhomes.com

Rotterdam

$109,900

1010 Obrien Ave

Schaghticoke

Sheridan Plaza - 1338 Gerling St.

2 Bedrooms / 1.0 Baths QSN #327205

svarley@realtyusa.com

20,000 Square Feet

CKM Team Reality Carmelo Gines

QSN #338639

Lic. R.E. Broker

Lic. Associate Broker

518-703-8879

518-470-4877

carmelo@carmelogines.com

Rotterdam

$79,900

322 East Campbell Rd.

Brokers Network Louise Giuliano amerasia@nycap.rr.com

Schenectady

$135,000

1837 Van Vranken Ave.

3 Bedrooms / 1.0 Baths

Commercial + 3 Bedroom Apartment

QSN #332215

QSN #338060

RE/MAX Park Place Dan Novak Lic. Associate Broker

Lic. Associate Broker

518-588-8945

518-470-4877

realestate518@gmail.com

Rotterdam

$219,900

1874 Dodge Street

Brokers Network Louise Giuliano amerasia@nycap.rr.com

Schenectady

$275,000

134 Duane Ave.

3 Bedrooms / 2.5 Baths

6,300 S/F Restaurant + Banquet Facility

QSN #332218

QSN #328152

RE/MAX Park Place Dan Novak

Coldwell Banker Prime Properties Thomas Marks

Lic. Associate Broker

Lic. Associate Broker

518-588-8945

518-421-1400

realestate518@gmail.com

tmarks@cbpp.com

L i f e and H o m e s

■

Capital Region

THIS WEEKEND‘S OPEN HOUSES LifeandHomes.com/CR-NY - Open House Info updated every Friday @ 4:30 12

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 .

Open Market Listing Service™ Schenectady

LifeandHomes.com For more information on any of these houses, visit www.LifeandHomes.com and type in the QSN#

Watervliet

$111,000

225 14th. Street

$149,900

15 14th St.

4 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

QSN #332216

QSN #341159

RE/MAX Park Place Dan Novak

Capital Tech Real Estate Group LLC

Donna Neary-Hart

Lic. Associate Broker

Lic R.E. Salesperson

518-588-8945

518-339-4733

realestate518@gmail.com

Schenectady

dnearyhart@nycap.rr.com

Watervliet

$190,000

831 Decamp Ave.

$425,000

5 Mahogany Dr.

4 Bedrooms / 1.5 Baths

3 Bedrooms / 2.0 Baths

QSN #328155

QSN #341158

Realty USA Vera Luft

Capital Tech Real Estate Group LLC

Donna Neary-Hart

Lic R.E. Salesperson

Lic R.E. Salesperson

518-859-8117

518-339-4733

vluft@realtyusa.com

Schodack

dnearyhart@nycap.rr.com

Watervliet

$299,900

1725 South Old Post Rd.

$120,000

57 Homewood Ave.

4 Bedrooms / 3.0 Baths

2 Bedrooms / 1.0 Baths

QSN #332740

QSN #331543

CCS Realty Group Patrick Seeberger

North 40 Real Estate Karen Relation

Lic. R.E. Broker

Lic R.E. Salesperson

518-573-2943

518-588-7106

pat@ccsrealtygroupllc.com

Troy

north40re@aol.com

Wilton

$149,900

13 Heyden Road

$240,000

6 Parkhurst Rd

2 Bedrooms / 1.0 Baths

4 Bedrooms / 3.0 Baths

QSN #340853

QSN #327206

Realty USA Rachel Derikart

CKM Team Reality Carmelo Gines

Lic R.E. Salesperson

Lic. R.E. Broker

518-542-6070

518-703-8879

rderikart@realtyusa.com

Waterford

carmelo@carmelogines.com

Wilton

$219,000

16 Valleyview Ave. 3 Bedrooms / 2.0 Baths QSN #331544

$169,900

41 Pheasant Ct 4 Bedrooms / 2.0 Baths QSN #328437

North 40 Real Estate Karen Relation

Coldwell Banker Prime Properties Robert Vinsick

Lic R.E. Salesperson

Lic R.E. Salesperson

518-588-7106

518-860-8925

north40re@aol.com

rvinsick@cbpp.com

House Hunting? Relax.

LifeandHomes™ Property Search www.LifeandHomes.com

- Tell us what type of local property you’re looking for: location, price range, # bed/bath, etc.

- You’ll receive an email when a property matching your search criteria comes on the market and updates.

- Automatically connect with over 125 local real estate participants.

TV & Video

Magazine

Online

Mobile

Social

Call Gary at 518-727-2012 or email gary@lifeandhomes.com to participate.

www.Life and Homes .com

13

L i f e and H o m e s

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3 Lear Jet Lane Latham, NY 12110

1-888-443-7548 (Toll-Free) 1-518-782-2541 x51758 (Direct) 1-518-701-8651 (Cell)

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15

L i f e and H o m e s

Elegant l y e t S t r o Condominiums s e R Imagine your elegant condominium tucked into this quaint community.

With all the benefits of resort style

G U I L D E R L A N D

living, you’ll find downsizing can become upscale living.

14 Bavarian Way, Guilderland

These elegant two bedroom condominiums feature: • Super Low Taxes • Low HOA • Maintenance Free for Active Adults 55+ • Resort Style Club House featuring inground pool, exercise room, theater & more

STARTING AT

Capital Region

$279,900

L i f e and H o m e s

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For amenities, floor plans and details, visit www.MillHollow.info

Call Lisa Osher for Tour 518-495-9095 (C) Model Home Hours Tuesday & Thursday 2-6, Sunday 1-4 Rt 20 Western Ave to French's Mill Road, 1st Left on Bavarian Way A B U C K C O N S T R U C T I O N A F F I L I AT E

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 .