News Shorts

NewsShorts Sponsored by The Capital Team at eXp Realty (See their ad on the back cover) How Debt Impacts Financial Habits At a time when Americans hold a record $14 trillion of debt, including mortgages, credit card and student loan debt, according to the New York Federal Reserve, Americans may still be doing better than they realize when it comes to debt. A new survey from New York Life Insurance Company suggests that although debt is growing, the challenge of paying it off is not insurmountable. In fact, slightly more than a third of respondents (35 percent) say they’ve never had more than $5,000 in debt. Moreover, nearly two-thirds (62 percent) of Millennials say they’ve never had more than $10k in debt, and a majority of respondents overall have either paid off all or more than half of their debt (35 percent and 27 percent, respectively). Among those who have the highest amounts of debt—$75k or more—over half (55 percent) have paid off all or more than half. “Debt can be an enormous stressor for the household, with many Americans feeling like any amount of debt is a roadblock to achieving all other financial milestones,” says Brian Madgett, Head of Consumer Education at New York Life. “However, this data paints a more optimistic picture and suggests that those struggling with debt today can overcome it by following some key steps.” Paying debt requires discipline—A habit that has extended to other money matters Managing debt effectively requires attention to detail and thoughtful planning. Given that a significant number of respondents have paid off all or some of their debt, the data suggests Americans are strengthening their financial muscles through a variety of good habits. For example, 37 percent of respondents say following a personal budget was most important to them when their debt was at its highest level. Of those who have had the greatest debt burdens ($75k or more) and have completely paid it off, 46 percent follow a personal financial budget and 32 percent are contributing to a retirement fund—figures that are higher than the habits reported by the general survey population. Help wanted Getting out of debt is challenging, and according to the survey data, many adults are “going it alone.” Only about one in four respondents say they either currently or previously worked with a financial professional, and another 21 percent say that they have not but would like to do so. These findings suggest respondents may not fully realize the accessibility or usefulness of a professional as a resource to help get their money habits on track. “It’s a savvy move to ask for help when it comes to money, whether you’re looking to get out of a rut or start accumulating wealth,” notes Madgett. “There are many resources right in your community that can offer the affordable advice and human guidance you need to achieve your financial goals.“ To learn more about the survey or connect with a financial professional, visit NewYorkLife.com. NAPSI

YOU BRING THE LAND…WE DO THE REST!

NEW HOME? DREAM HOME? VACATION HOME? INVESTMENT PROPERTY?

TIP Development can help you achieve your goal! We have something for every budget. With over 20 years of experience, we offer turnkey solutions. WE ALSO HAVE 6 ACRES OF OPEN MEADOW LAND RIVER FRONT TO BUILD YOUR NEW HOME “FOR SALE” IN SOUTHERN VT! To discuss your project and home of choice and cost Visit www.tipdevelopment.com or Call 518-573-8030 MODULAR HOMES • LOG HOMES MODULAR LOG HOMES EXCAVATING • CONSTRUCTION TOTAL TURNKEY SERVICES ONE STOP SHOP - WE DO IT ALL We build to your taste in Eastern NY - Southern VT - Western MA

ARE YOU LOOKING TO BUY OR SELL A HOME? WE CAN HELP!

MATTHEW WENDT Licensed Real Estate Salesperson mwendt@coleman518.com Cell: (518) 332-4794

STANLEY SARDINA Licensed Real Estate Salesperson ssardinia@coleman518.com Cell: (518) 369-8957

Frank Hall Dealer/Builder 518-573-8030 www.tipdevelopment.com tipdevelopment@aol.com

35 WEST GRAND STREET, PALATINE BRIDGE A must see house from the inside to the out. The grand entrance welcomes you into this beautiful three bedroom, 2-1/2 bath home with large rooms and natural lighting and its many fireplaces. Large windows to view the lawns and garden along with a view of the valley. The home is very elegant and bright. Asking $245,000

124 REID STREET, FORT PLAIN This 3 bedroom, one bath home is located on the edge of the village. The home has had many improvements, including laminate floors in the living room. The yard is surrounded by a privacy fence on three sides. Great yard for kids to play. With minimal additional fencing this would make it a great place for your dog to run free. Asking $92,000

142 SOUTH MAIN STREET, SCHOHARIE This home has a lot of Charm and Character, with large rooms and large windows allowing for a lot of natural lighting. This home has been remodeled, but has additional work to be done. There are 3 large bedrooms and 3 full bathrooms. New laminate flooring. Asking $110,000

31 NORTH DIVISION STREET, ST. JOHNSVILLE This two-story brick Italianate home built in 1860 has been immaculately restored with every room beautifully done. Upon entering the front door the entryway has one of the most beautiful winding staircases of natural wood ever seen in this area. There are hardwood floors and 9 1/2 foot ceilings. Asking $144,900

195 MOHAWK STREET, CANAJOHARIE Two story, up and down, two family located across the street from the bike path. Exterior is vinyl siding and updated windows. 1st floor is a one bedroom apartment and 2nd floor is a two bedroom apartment. Separate utilities, interior needs updating. Includes the lot to the right of the house for parking. Asking $42,000

263 BEARDSLEE ROAD, ST. JOHNSVILLE Tri-level, three bed, one bath home located on a dead end street and walking distance to Beardslee Lake. An amazing woodburning fireplace with a brand new insert, refinished hardwood floors and side and back porch. You will enjoy the open concept and the beautiful location. Total of 5 lots. Asking $94,900

0 STATE ROUTE 162, SPRAKERS Vacant land (12.2 acres) located on 162. Ideal property to build a house. Asking $12,200

14 N. HOLLYWOOD AVE., GLOVERSVILLE Everything you want in a home. Fenced-in back yard with wooded area in the back (no one directly behind you). Three good sized bedrooms, 2 full baths, laundry on main floor, fully appliance, wonderfully updated kitchen, cozy living room with fireplace. Enclosed front porch and 1 car garage. Hardwood floors throughout. Asking $80,000

103 KRINGSBUSH ROAD, ST. JOHNSVILLE Lovely 2 bedroom, one bath home mostly sided with log and back is vinyl siding. All new flooring, wiring, water and septic piping! New doors, new appliances. Beautiful wood fireplace that heats the home by its self, if needed. Washer/Dryer room separate with furnace and hot water tank. Brand new hot tub outside. Asking $139,000

5765 NEW YORK STATE ROUTE 29, EPHRATAH Older three bedroom, one bath home that has been upgraded somewhat. Large 3 stall garage with workshop. Located minutes from St. Johnsville, Great rental. Tenants will stay great income property. Plenty of parking can be purchased with or without 3000 sq ft commercial building. Great opportunity. Asking $62,000

KRUTZ PROPERTIES 59 W. MAIN STREET CANAJOHARIE E-MAIL: KRUTZPROPERTIES@GMAIL.COM WWW.KRUTZ-PROPERTIES.COM 2474 STATE HWY 30 MAYFIELD 518-661-6118 | 54 E MAIN STREET ST. JOHNSVILLE 518-568-2776

Bradley Park Builders, LLC Let us build you one of our  ne homes. Call for appointment.

www.bradleyparkbuilders.com THE CADILLAC OF MODULARS! West Sand Lake 518-674-3047 • 518-466-2339

New Home In Your Future??? Building Lots Available, 1.7 Acres & 5+ Acres

1.7 borders a stream, heavily wooded with hemlock trees, in a fi ne neighborhood of executive family homes. Build to suit, NEW PRICE $55,000

5+ Acres, clear, level with over 500’ of frontage. Suitable for a single family home or possible in-law- not dividable. Fringed with mature trees, in a neighborhood 15 minutes to Albany APSD. Build to suit, NEW PRICE $69,000

Won’t last at these prices!!! Come see our Newest Model Homes in Rensselaer County. Call 518-674-3047 for your appointment or more information.

ALLEN VAN HOFF Licensed Real Estate Salesperson NYS Call, text or email: C: 518-441-2640 AllenVanHoff @howardhanna.com www.AllenVanHoff .com

Enjoy these ALL SEASON Adirondack getaways!

Queensbury/Glens Falls Lake George Office, NY 63 Quaker Rd Queensbury , NY 12804 (518) 798-3636

This beautifully appointed custom Adirondack Log Home in the private Lake Snow Forest Community with deeded rights & just steps to Lake Snow will not disappoint. Boasting a large 2 story greatroom, large glass. 142 Evergreen Road Indian Lake • $374,900 Welcome to Abanakee Lake in the Central Adirondacks! Enjoy year round lake front living in the is beautiful custom Contemporary Home on 1.2 acres with 240 feet of lake shore. With a large vaulted Greatroom with a fireplace. 142 Jerry Savarie Road, Indian Lake • $495,000

Enjoy direct year round waterfront living w/ beautiful Lake and Mountain views in this spacious Ranch Style home designed for entertaining family and friends in mind! Boasting a large living and dining room with wood burning fireplace opening to a large lakefront deck. 200 Lake Shore Dr., Indian Lake $489,000 Sit on the front porch of this Log Style home with unbelievable unobstructed year round views to the north, east and south on Indian Lake in the central Adirondacks. The 3.43 Acre tree covered property with 400 feet of sandy beach. 5486 State Route 30, Indian Lake • $1,200,000

This well maintained year round home has lots to offer you! The large front porch leads to a large bright living room, formal dining room, great working kitchen with electric or propane hookup for your range. 963 State Route 9 Schroon Lake • $187,500 Enjoy 300 ft of Hudson River Direct waterfront year round living from your front porch in this tastefully updated Adk style home. It features a large living room w/ wood stove, large kitchen w/ ss appl & granite. 3996 State Route 28, Johnsburg • $314,900

Burkes Cottages on Indian Lake! Year round living. Beautiful vaulted greatroom with fi replace and wood details, kitchen with island, wood fl oors, 3 bedrooms 2 baths, a large deck and screen porch. 220 Lakeshore Drive, Indian Lake • $375,000 Welcome to Grey Haven on Squaw Brook Trail in Birch Hills. This beautiful log home boasts a lg living room w/ woodstove, bright dining & kitchen, den, king sized 1st floor master bedroom w/ spa like master bathroom. 127 Squaw Brook Dr., Indian Lake • $329,900

Live Work and Play in the Adirondacks with these available Commercial Properties

Your opportunity to own the Indian Lake Marina! Turn key established Lakefront Marina Business operation on Beautiful Indian Lake in the central Adirondacks includes Furnished 4 Bedroom year round house. 206 Lake Shore Dr., Indian Lake • $895,000

Start your own restaurant in the Adirondacks! Building, large lot and all equipment is included in the sale. Over 4200 SF, first floor restaurant and bar, seating for 48, two baths, nice kitchen set up, bar set up, refrigerators, freezers, Upstairs could be used for housing, office or storage. 6303 State Route 30 • $175,000 Your opportunity to own and operate the Clark’s Marina! Originally established in 1960, this profitable year round full service Lakefront Marina Business operation includes Boat sales, service, rental, and storage is located on beautiful Fourth Lake in Eagle Bay . 8 State Route 8, Inlet • $2,249,000

Green Mansions Golf Club in the Adirondacks, just off the Northway Corridor, minutes to Lake George & Gore Mountain. Turn key 9 Hole Course on 72 Acres, club house, restaurant, bar, and banquet space for weddings and parties and a separate 2 bedroom, 2 bath apartment. 207 Darrowsville Rd, Warrensburg • $1,075,000

Mixed Use property priced below March 2019 appraisal. 3200+ square foot property offers a large commercial space currently rented as an automotive garage, and two large apartments, a one bedroom and a two bedroom, all spaces currently rented with long term tenants. 6275 State Route 30, Indian Lake • $199,000 Located just outside of town, this beautiful 4.7 acres property off ers a 2 Bedroom one bath owners home with a large greatroom with wood fl oors and a fl oor to ceiling stone porch, fi replace, business offi ce space. 5293 NYS Rte 30, Indian Lake • $249,000

Multiple use possibilities here! In the Heart of the Adirondacks, on Route 28/30, Huge traffic count, perfect for Retail, Commercial, Manufacturing, or Storage Includes 3 Buildings, Retail/Showroom, Workshop/Storage. 6627 State Rte 30 Indian Lake • $220,000

Queensbury/Glens Falls / Lake George Office, NY 63 Quaker Road Queensbury , NY 12804

Check out more information, pictures, 3D Tours and Drone Videos at www.AllenVanHoff.com Building Lots and Acreage Available

NEW - 212 N. Shore, West Stoner Lake $249, 000

PRICE REDUCED - 38 Heather Drive - $455, 000

PENDING - 31 Glen Terrace, Glenville

322 Ballston Rd. Glenville, NY 12302

SOLD - Rt 146 - 5 Acres

SOLD - Township Road - 19 Acres

Joseph Mulone Licensed Real Estate Sales Person Offi ce 518-396-5850 Cell 518-813-6514 jmulone@verizon.net www.thepropertyshopny.com Your Key to Real Estate in the Capital Region

WE’RE BRINGING OUR HIGHLY EFFECTIVE REAL ESTATE STRATEGIES TO YOUR AREA… And we're ready to go to work for you!!! Michelle Gorea Thompson Realtor Cell- 315-794-3260 Jerry Vitiello R.E.Associate Broker Cell- 315-868-9666 jerry@jerrysellscnyrealestate.com

Hunters and Outdoor Enthusiasts Paradise

The John Brown Team 315-570-6641 johnbrownsells.com Let the #1 Selling Team Help You Find Your Next Home 152 Hewitt Rd, Oppenheim $228,000 A must see property prevails on 23+ acres. A natural paradise dream of wildlife for hunters and nature enthusiasts. Amazing property of mixed hardwoods to log or retain, acres of fruit trees and berry bushes. Agricultural Zone 4 potential weather-related business! This ADK retreat is a 4 season 1750 sqft home, 3 bds/1ba, outbuildings, detached spacious & heated rec bldg. Snow trails galore! All equipment, furnishings & more convey. Potential Hunters' Lodge, Hobby Farm. Not remote 25 mins to Johnstown, 20 mins to NYS Thruway Little Falls. It's all here. MLS# S1249400

Seniors Real Estate Specialist® Joseph I Krongold, CIREC, CBR, SRES® | Lic. R.E. Salesperson C: (518)-867-1299 | O: (518) 389-2001 ext 123 Email: JKrongold@sunrisemc.com

Attention Seniors: As someone over the age of 50, your needs aren’t the same as a fi rst-time homebuyer or seller. As a certifi ed SRES® guide, I’m uniquely qualifi ed to meet the special needs of maturing Americans when selling, buying, relocating, or refi nancing residential or investment properties. I can guide you through every part of the process.

Why Hire Me To Sell Your Real Estate? 1. I’m Ethical & Honest. 2. Very responsive. I’m a pleasure to work with. 3. Open communication. You’ll be informed each step of the way. 4. Will negotiate in your best interest. 5. Weekly one-on-one phone calls reviewing your local real estate market updates. Contact me for my full 30 Point Marketing Plan

You owe it to yourself to experience the Krongold difference!

Featured Current Listing of Sunrise Realty Advisors

814 Greenwood Drive, Ballston Spa | $249,900

48 Hour Contingency

WELCOME HOME! Ballston Spa schools. Move-in ready, SplitLevel home featuring 3 bedrooms, 1 ½ bath on a large corner lot in a wonderful quite neighborhood. Enjoy the fenced in and shaded backyard for entertaining and privacy, large full basement can be fi nished or used as storage. Some of the upgrades include: April 2012-Installation of 2-stage furnace, all venting and ductwork, 2012-hot water heater installed, August 2013-air conditioning installed, Sept 2013-driveway redone, 2013-backyard fence installed, August 2013-new roof, July 2013-fl ooring in den installed, new carpeting on stairs. Nothing to do but move in! Contact Joseph: 518-867-1299

Call 518-867-1299 today to schedule a confi dential consultation and receive your FREE “Moving On” Guide to Housing – Related Resources, Tailored to Seniors and their Families. 255 Washington Ave. Ext. Suite 103 Albany, NY 12205

Real Estate Services

AMSTERDAM Offi ce: 518-584-0743 505 Broadway, Saratoga Springs, NY NOW IS THE BEST TIME TO SELL. CALL US TO FIND OUT WHY! 518-584-0743 CHOOSE HOWARD HANNA

BALLSTON SPA FORT EDWARD BALLSTON SPA

345 Guy Park Road $1,250,000 1st time on market in 25 years! Picturesque home dating back to 1902, has been restored to museum quality with old world architecture. Situated on and acre with immaculate landscaping. Cathy Libecci (732) 778-5270

BALLSTON SPA

8 Meadowbrook Court $542,200 New House under construction-ready in 30 days! Located in Ridgeview Estates, Burnt Hills - best location. Open design house on a beautiful 8/10-acre home site. Still time to select fi nishes to your taste. James Furey (518) 229-5104

MALTA

4A Fieldstone Way $748,500 Incredible Country Farmhouse in the desired “Fieldstone Meadows” t/o Ballston’s newest “favorite place to live, open concept design w/ terrifi c fl ow, amazing open Kitchen, a 27’+ covered back porch. James Furey (518) 229-5104

MALTA

1986 State Route 4 $659,000 Turn-key equine facility with tremendous business potential. 2 Bed, 2 bath apartment, Heated barn with 22 stalls, 80x180 indoor arena with dust free rubber fl ooring, additional buildings with employee bunk house. Kelly Zanella (518) 573-5985

BALLSTON SPA

2 Essex Street $455,000 Award winning model at Malta Springs. 1st Floor master is decorated by award winning interior design fi rm Blairhouse interiors. Custom Kitchen, fi replace with built-ins, fi nished basement with bath and patio with gas fi re pit. Maureen Iglewski (518) 321-3558

MALTA

14 Pleasant Street $419,000 Spacious 5 bdrm, 3 bath Victorian home located in the historical district. Wrap around porch, tin ceilings, stained glass windows and original woodwork, modern kitchen . Maureen Iglewski (518) 21-3558

CORINTH

20 Weston Way $339,000 Malta Springs- Striking 1st fl oor master plan offers and open layout with plenty natural light. 3 Bdrms, 2.5 bath has many features included – Pella windows, hardwood fl oors, Granite countertop. Full basement. Maureen Iglewski (518) 321-3558

23 Essex Street $309,000 Ranch town home is only a year old, in an outstanding neighborhood only a few minutes to downtown Saratoga. 2 Bdrm, 2 Bath, fi replace, vaulted ceiling in the living room, plenty of natural sunlight. Victoria Nye (518) 366-1413

316 Angel Road $250,000 Large colonial style home on over 22 acres. 3 bdrm, 2 bath with country style kitchen. Woodstove in living room. 1st fl oor laundry. Spectacular wide walking trails.

Ritch Gregory (518) 466-0677

6 Fieldstone Way $558,500 Fieldstone Meadows town of Ballston’s newest “favorite place to live” with sites from 2 to 6+ acres and an incredible country setting. One story home has terrifi c fl ow and amazing open kitchen. James Furey (518) 229-5104

WASHINGTON COUNTY

111 Everetts Heights Way $350,000 Beautiful custom home on 4.1 acres with spectacular mountain views from every room. 3 Bdrm, 2 bath, a gracious master suite with walk-in closet and master bath. This very special county home is close to Lake George. Mylene Coltey (518) 791-2258

CORINTH

124 Comstock Road $79,200 Perfectly maintained single wide with large master bedroom ensuite addition. 3 bdrm and 2 full baths. Eat in kitchen, new appliance, bright and freshly painted. Corinth schools, nice setting. Mylene Coltey (518) 791-2258