Life and Homes Capital Region

Life and and

Capital Region Central NY

Homes

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Moving Matters

Homes

My favorite tip this month comes from the family that found a money saving work-around while preparing to move.

Capital Region, NY, Edition

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

“Instead of the expensive ($400 /week in my town) dumpster for serious de-cluttering, we rented a UHaul truck ($30). We moved all the trash, including old furniture into the garage which took about four days. We then rented the truck for 1 day, loaded it up and drove to the dump. There we were able to unload all that trash for free. There were even a couple people there who took the old furniture as we unloaded it. I guess it’s true that one man’s trash is another man’s treasure. That was a BIG savings!” The same idea could be used to de-clutter your home in preparation for putting it on the market.

Publication Franchisee, RMC G ary S. Ziele Capital Region LifeandHomes™

Gary Ziele

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

PO Box 12201, Albany, NY 12212

518-727-2012 Account Executive tammy monroe

Moving on a weekday when banks and utility offices are open can be helpful and relieve some inevitable stress. Many truck rental locations offer lower per mile rates on weekdays - be sure and ask when calling to make your rental reservation. And how about this idea for recouping a little money after the move? “We broke down our boxes after moving, stored them flat and ran a free ad in the local shopper. We sold the whole batch for $50. A little extra change for us, and the boxes were disposed of by someone who needed them.”

THIS WEEKEND‘S

OPEN HOUSES

518-321-5529 TammyM@LifeandHomes.com

Advertising Deadline September Issue August 8, 2014

Corporate Office D avid Lisi, O WNER 315-865-5845 David@LifeandHomes.com

Let’s face it, there’s not enough advice in the world to make moving simple or easy, but careful pre-planning and lots of elbow grease eventually get the job done. It can also help you keep a little more of your hard earned cash in your pocket where it belongs.

Gary Ziele

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

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

518-727-2012 • Gary@lifeandhomes.com

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Capital Region

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

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AllYour Listtings foras Lowas

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

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

Tub-less Bathrooms

Trending

Master baths top most homeowners’ lists and four in ten will be skipping the tub, according to a Houzz Bathroom Remodeling Survey.

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.

Umbrella Insurance: Are You Adequately Covered?

If you have auto insurance, you probably think you have all the coverage you need for yourself, your spouse and your teenage drivers. Likewise, your homeowners insurance will take care of repair costs in case the pipes burst or there’s a fire. But what happens if you get sued?

If your 17-year-old son is involved in a car wreck that seriously injures a neighbor, or if a child gets hurt in the backyard swimming pool, you could face a mountain of medical and legal expenses. If those expenses exceed the coverage provided by your insurance policies, you would be responsible for covering the remaining costs.

In these situations, an umbrella policy can be a lifesaver. Umbrella insurance is a supplemental personal liability policy that provides coverage above and beyond the liability coverage provided in your homeowners and auto policies. An umbrella policy shields your existing and future assets including wages, an inheritance or other windfalls. It covers you for accidents on your property or car accidents caused by you or your dependents.

“Many people don’t understand what an umbrella policy can offer,” says Charles Valinotti, a senior vice president with insurer QBE North America.

Umbrella insurance is similar to homeowners insurance, Valinotti says. If a guest winds up hospitalized after dining at your home due to your negligence and sues you for $350,000, though your homeowner’s policy only covers the first $300,000 in losses, the umbrella coverage would take care of the remaining $50,000.

Since it is a form of personal insurance, an umbrella policy will not protect you from lawsuits related to your business. It also will not cover accidents caused by high-risk activities like drag racing.

Umbrella policies typically provide from $1 million to $5 million of additional coverage. To purchase an umbrella policy, you must have insurance that provides a specific amount of maximum payout. So you may need to increase your auto or homeowners coverage to qualify for an umbrella plan.

In some locations, a policy providing $1 million in coverage will run about $350. The actual cost will depend on the value of the policy, your location and other factors. Your insurance agent can give you a quote.

“When you consider what it offers, the cost is extremely reasonable,” Valinotti says. “Be sure you speak with your agent to see if an umbrella policy makes sense for your personal situation.”

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• 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)

After your auto or homeowners liability coverage is exhausted, an umbrella policy is applied to cover outstanding expenses, Valinotti says. For example, if you are liable for $400,000 worth of damage and your auto insurance pays a maximum $300,000 in medical expenses per accident, the umbrella policy would pick up the remaining $100,000.

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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.

“You don’t have to be wealthy or have a great deal of assets to benefit from umbrella coverage.

It can protect you and your family from many different kinds of hazards.”

August

• 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

Home Improvement

Contractor Tips

Never pay the full price up front – Establish a payment schedule and adhere to it. Withhold final payment until the entire project is completed to your satisfaction and all required inspections and certificates of occupancy are finalized.

Get everything in writing – State law requires a contractor to provide a written contract for home improvement work. The contract should include a time line for work to be completed, a payment schedule and specifics about the project – such as types or brands of materials. On larger projects, architect or engineer plans should specify virtually every detail. Remember any verbal changes to the project must be added to the written contract. The contractor is only bound by what is in the contract. Keep copies for your records.

Know where your payments are going – Contractors are required to deposit progress payments in an escrow account. The payments are to be used solely for your project, any withdrawal must bear a “reasonable relationship” to the work completed.

The contractor can otherwise obtain bond insurance to protect your money. Know which option your contractor will use.

Never do business with a contractor who is unwilling to abide by any of these conditions.

Even if the contractor seems reputable, it simply is not worth the risk.

Check the Attorney General’s web site www. nyknowyourcontractor.com for a listing of contractors with judgments or substantiated complaints against them. (ag.ny.gov)

Master Lock Offers Tips for

Summer Home Safety Home is where the heart is, and also, where the people and possessions most important to consumers reside. Yet, nearly half of North Americans don’t take any security precautions other than locking their windows and doors to keep these items safe.

Capital Region

NETWORK

1. Make Your Backyard a Safe Place – Put garden tools and lawn mowers away in a locked place after use. Un-stored tools could cause a fall or tempt young children to use them as toys. Secure your shed or garage door with a high-security, weather-resistant lock, i.e. Master Lock Magnum Laminated Padlock. This also guards lawn equipment from theft.

6. Prepare for the Unexpected – Technology today makes it easier than ever to ensure you’re never waiting in line at an urgent care clinic without your insurance information or forgetting passwords to your online accounts. Store digital copies of your family’s important medical and identification information in the free and secure Master Lock Vault for easy access from your smart phone on the go.

2. Sleep Safely with Windows Open – Sleeping with open windows provides a cool breeze for pleasant rest and helps many people sleep better. If you use a home security system, ensure it provides window security coverage. Otherwise, use a window blocking device that prevents windows from opening more than six inches, and ensure windows cannot be accessed from outside, and safeguard patio doors from intruders with a Security Bar.

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4. Check Your Smoke Detectors – Properly installed and maintained smoke detectors save lives and protect against injury and loss due to fire. Replace batteries yearly or as soon as you hear a low-battery warning. Smoke alarms should be replaced completely every 10 years.

5. Create Backups- To avoid being locked out of your house, make extra copies of your keys, and keep them in a secure spot. The Master Lock Storage Security Lock Box allows you to store your extra key and have it be accessible only by those who know the combination.

Positive Start 7am-10am

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3. Designate a Family Meeting Spot – Set a designated meeting spot for your family so you’re prepared should a fire ever strike. It’s also good practice to designate a meeting spot whenever you’re away from home. Whether you are at a carnival, park or away on vacation, always come up with a plan of where to meet.

“Safety starts and ends at home,” said Rebecca Smith of Master Lock, a leading manufacturer of innovative safety and security solutions. “There’s no better time to incorporate safe practices into your family’s routine to ensure a safe and memorable summer.” Master Lock offers its top six tips for home security:

PROGRAM SCHEDULE

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newsShorts

For more information on safety tips and products, visit the Master Lock website at www.masterlock. com or the Master Lock Facebook page at www. facebook.com/masterlock.

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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.

82 Brookline Ave.

Commercial Property QSN #332219

$249,900

3 Bedrooms / 2.5 Baths QSN #326696

RE/MAX Park Place Dan Novak

Better Homes and Gardens Real Estate Tech Valley

Lic. Associate Broker

Lic R.E. Salesperson

Pam Linnan

518-588-8945

518-424-7744

realestate518@gmail.com

Albany

pam.linnan@tvhre.com

Albany

$169,900

409 Delaware Ave.

$84,900

102.5 Ontario St.

6 Bedrooms / 2.0 Baths

2 Bedrooms / 2.0 Baths

QSN #332741

QSN #326692

CCS Realty Group Patrick Seeberger

Capital Tech Real Estate Group LLC Donna Neary-Hart

Lic. R.E. Broker

Lic R.E. Salesperson

518-573-2943

518-339-4733

pat@ccsrealtygroupllc.com

Albany

dnearyhart@nycap.rr.com

Albany

$439,900

94 Chestnut St 7 Bedrooms / 6.0 Baths QSN #327870

$149,900

352 State St., Unit 2A 2 Bedrooms / 1.5 Baths QSN #341160

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. 3 Bedrooms / 2.0 Baths QSN #329843

$219,900

135 Albany Shaker Rd. 3 Bedrooms / 1.5 Baths QSN #343438

518Realty.com Thomas Ginnelly

Clancy Real Estate Kevin Clancy

Lic R.E. Salesperson

Lic RE Broker/Owner

518-669-6809

518-861-7016

tom@518realty.com

Albany

Kevin@ClancyRealEstate.com

Albany

$249,900

44 Colonial Ave

$365,000

5 Tremont Dr.

4 Bedrooms / 2.5 Baths

4 Bedrooms / 2.5 Baths

QSN #326697

QSN #342916

Pam Linnan

Coldwell Banker Prime Daniela Keegan

Lic R.E. Salesperson

Lic R.E. Salesperson

Better Homes and Gardens Real Estate Tech Valley

518-424-7744

518-852-1879

pam.linnan@tvhre.com

daniela.keegan@coldwellbankerprime.com

Daniela Keegan 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!

pat@ccsrealtygroupllc.com

518-852-1879

daniela.keegan@coldwellbankerprime.com 1801 Western Ave Albany, NY 12203

www.TironiOne.com

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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Licensed Real Estate Salesperson Accredited Staging Professional®

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(518) 573-2943

August

Patrick Seeberger Licensed Real Estate Broker/Owner

Capital Region â–

L i f e and H o m e s

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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 .

Open Market Listing Service™ Albany

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

Altamont

$128,400

205 Greenwich Dr

$579,800

1160 Berne Altamont Rd.

2 Bedrooms / 1.0 Baths

6 Bedrooms / 7 full & 3 partial baths

QSN #327878

QSN #343816

Coldwell Banker Prime Properties Alfred McCormick

Miranda Real Estate Group Inc. Christina Center

Lic R.E. Salesperson

Lic R.E. Salesperson

518-339-6943

518-573-5635

al.mccormick@coldwellbankerprime.com

Albany

ccentermrg@gmail.com

Altamont

$1,600,000

$198,800 1322 Berne-Altamont Rd.

2 E Ridge Rd. 4 Bedrooms / 4.2 Baths

4 Bedrooms / 2.0 Baths

QSN #344050

QSN #344047

Realty USA Martha P. Chamberlin

Miranda Real Estate Group Inc. Christina Center

Lic. R.E. Broker

Lic R.E. Salesperson

518-441-7030

518-573-5635

mchamberlin123@gmail.com

Albany

ccentermrg@gmail.com

Altamont

$990,000

7 Edgewood Cir.

$79,000

4218 Becker Rd.

5 Bedrooms / 5.1 Baths

2 Bedrooms / 1.0 Baths

QSN #344051

QSN #332217

Realty USA Martha P. Chamberlin

RE/MAX Park Place Dan Novak

Lic. R.E. Broker

Lic. Associate Broker

518-441-7030

518-588-8945

mchamberlin123@gmail.com

Altamont

realestate518@gmail.com

Altamont

$498,000

210 Main St.

$189,000

4861 Western Turnpike

5 Bedrooms / 2.5 Baths QSN #343866

4 Bedrooms / 1.5 Baths QSN #342099

CM Fox Real Estate Mark Burlingame Lic. RE Salesperson

Lic. Associate Broker

518-424-5915

518-588-8945

mburlingame@cmfox.com

Altamont

RE/MAX Park Place Dan Novak realestate518@gmail.com

Ballston

$362,800

203 Witter Rd.

$399,900

400 Eastline Rd

3 Bedrooms / 2.0 Baths

5 Bedrooms / 3.0 Baths

QSN #344048

QSN #328436

Miranda Real Estate Group Inc. Christina Center

Coldwell Banker Prime Properties Robert Vinsick

Lic R.E. Salesperson

Lic R.E. Salesperson

518-573-5635

518-860-8925

ccentermrg@gmail.com

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

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

donnanearyhart.com

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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Licensed Real Estate Agent

• 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

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Donna Neary-Hart

QUEENSBURY SEAMLESS GUTTERS, LLC

August

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.

rvinsick@cbpp.com

LifeandHomes.com

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

Ballston Spa

Open Market Listing Service™

$289,000

2 Chantal Ct.

Colonie

$1,100

1719 Central Avenue

4 Bedrooms / 2.5 Baths

For Lease

QSN #331545

QSN #338214

North 40 Real Estate Karen Relation

Brokers Network Louise Giuliano

Lic R.E. Salesperson

Lic. Associate Broker

518-588-7106

518-470-4877

north40re@aol.com

Charlton

$384,900

4114 Jockey St.

amerasia@nycap.rr.com

Colonie

$174,900

21 Highland Ave.

3 Bedrooms / 2.5 Baths

3 Bedrooms / 2.0 Baths

QSN #327141

Purdy Realty LLC Ildiko McPhilmy

QSN #328439

518Realty.com Steven Sbardella

Lic. R.E. Broker

Lic RE Broker/Owner

518-253-2295

518-209-8221

imcphilmy@yahoo.com

Clifton Park

$279,900

92 Werner Rd.

Steve@518Realty.com

Colonie

$209,777

112 Rapple Dr.

3 Bedrooms / 2.5 Baths QSN #340850

3 Bedrooms / 2.0 Baths

Tironi One Realty Brian T. Neary

QSN #327208

RE/MAX Park Place Douglas Schenk

Lic R.E. Salesperson

Lic. R.E. Broker

518-573-4287

518-221-2949

FHdogman@gmail.com

Cohoes

$225,000

202-206 Ontario St.

schenk.remax@gmail.com

Colonie

$399,000

26 Dutch Meadows Dr.

5 Bedrooms / 3.0 Baths

4 Bedrooms / 2.5 Baths

QSN #327877

QSN #337132

Brokers Network Louise Giuliano

Realty USA Rachel Derikart

Lic. Associate Broker

Lic R.E. Salesperson

518-470-4877

518-542-6070

amerasia@nycap.rr.com

Cohoes

$157,500

4 Ziemke Farm Lane

rderikart@realtyusa.com

Guilderland

5007 Colonial Dr.

3 Bedrooms / 1.1 Baths

4 Bedrooms / 2.5 Baths

QSN #340854

QSN #328438

Realty USA Rachel Derikart

Capital Region

518Realty.com Steven Sbardella

Lic R.E. Salesperson

Lic RE Broker/Owner

518-542-6070

518-209-8221

rderikart@realtyusa.com

Steve@518Realty.com

Real Estate Investment Experts • Free Real Estate Investment Consulting services • Innovative Marketing strategies • Over 400 Nationwide Investor Buyers Network

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$424,900

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™ Guilderland

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

Malta

$243,500

1153 Meadowdale Rd.

$142,900

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

$104,900

325 Park Ave.

3 Bedrooms / 3.0 Baths

Commercial Property

QSN #336955

QSN #344046

Miranda Real Estate Group Inc. Christina Center

Connors - Howard Realty, Inc Greg Connors

Lic R.E. Salesperson

Lic. RE Broker

518-573-5635

518-664-5804

ccentermrg@gmail.com

Lake George

topcellar@aol.com

Mechanicville

$995,000

2354 Rt 9n - Commercial

$139,900

200 Saratoga Avenue

Commercial Property

4 Bedrooms / 2.0 Baths

QSN #327207

QSN #344045

Purdy Realty LLC Ildiko McPhilmy

Connors - Howard Realty, Inc Greg Connors

Lic. R.E. Broker

Lic. RE Broker

518-253-2295

518-664-5804

imcphilmy@yahoo.com

Loudonville

topcellar@aol.com

Mechanicville

$548,900

11 Fairview Rd.

$174,900

420 Park Ave.

4 Bedrooms / 4.0 Baths

5 Bedrooms / 2.5 Baths

QSN #340650

QSN #340851

Realty USA Martha P. Chamberlin Lic. R.E. Broker

Lic R.E. Salesperson

518-441-7030

518-573-4287

mchamberlin123@gmail.com

FHdogman@gmail.com

Loudonville

$459,000 14 Loudon Heights North

Mechanicville

5 Bedrooms / 4.1 Baths

3 Bedrooms / 2.0 Baths

QSN #340649

QSN #343869

$229,900

25 Dormie Ave.

Realty USA Martha P. Chamberlin Lic. R.E. Broker

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

518-441-7030

518-573-4287

mchamberlin123@gmail.com

1160 Berne-Altamont Rd., Altamont, NY

Tironi One Realty Brian T. Neary

FHdogman@gmail.com

$579,800

August

Extraordinary Historic Stone Colonial on 2.6 Acres in Altamont

Featured Property ■

Journey up the drive to see this gorgeous 5,000 sq. ft. stone colonial situated atop 2.6 private acres surrounded by a serene nature setting, yet only a 30 minute drive to Albany. This generous sized home with six bedrooms, seven full and three partial baths, is still able to maintain that cozy feel and charm. Recent updates and extensive renovations allow this gorgeous house to provide modern amenities while maintaining its’ historic charm. Curl up by the fire, take a dip in the inground pool or sip your tea while sitting on the front porch, or one of two verandas overlooking the Helderbergs, Berkshires & Green Mts. Low Taxes! Award winning Guilderland schools. This home has it all!

Christy Center Licensed Salesperson

518-573-5635 ccentermrg@gmail.com

www.Life and Homes .com

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WWW.1160BERNEALTAMONTRD.NET | MLS# 201412908

Greg Connors

Connors-Howard Realty, Inc. 40 North Central Avenue, Mechanicville, NY 12118

Phone: (518) 664-5804 Toll-Free: (800) 246-8731 info@connorsgroup.com

325 Park Ave., Mechanicville, NY 12118

Business, Office Plus/Retail, Office, Mixed Use. Former Superfund site; building is masonry (brick,block) with new roofind structure and front entranceway of vinyl/frame construction. Built on concrete slab; currently vancant (shell inside). Public water and sewer.

Sub-slab ventilation system installed; building occupancy permitted by DEC. No digging restrictions. Excellent location for professional office or start up business. Great value. No long or short term lease considered. Sale only. MLS# 201031277 Directions: NYS Route 146 to Mechanicville, Left on Park Ave at McDonalds; cross RR tracks; 2 blocks on left.

200 Saratoga Avenue, Mechanicville, NY 12118 Great investment opportunity. Brick exterior and slate roof, well maintained. Additional building lot may be sub-divided for additional income opportunities. 1st floor currently vacant and ready for immediate occupancy. 1st floor furnace and hot water tank new in 2011. Separate utilities for each unit. Some interior cosmetic upgrades needed. Great for first time investor. MLS# 201403820 Directions: NYS Route 67 to Mechanicville; Route 67 become Saratoga Avenue. Property on north side of Saratoga Avenue just east of Philadelphia Ave.

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L i f e and H o m e s

the connors group

1770 Central Ave Village Square 797 Glenn St Colonie, NY 12205 Queensbury, NY 12804

(518) 608-5670

(518) 792-3196

Come and see LIVE DEMOS of the Guardian & Laundry Pro at The New York State Fair!

August 21 - September 1 • NYS Fairgrounds • Syracuse, NY 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 .

CASH FOR CLUNKERS Up to $500 Trade In Allowance Visit Store for Details

No Cash Value. Expires 8/31/2014

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 #327142

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 QSN #340145

2 Bedrooms / 2.5 Baths QSN #327143

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

Commercial Property

Vacant Lot

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

$179,900

2109 Morrow Ave.

$389,000

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

Commercial Property

QSN #329440

QSN #338640

Realty USA Rachel Derikart Lic R.E. Salesperson

Brokers Network Louise Giuliano Lic. Associate Broker

518-542-6070

518-470-4877

rderikart@realtyusa.com

Cell: 518-441-7030

Class

Broker/ Owner

steve@518realty.com

C:518.209.8221 O: 518-456-6518

1571 Central Avenue Albany, NY 12205

Call 518.573.6414

www.Life and Homes .com

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L i f e and H o m e s

Drive in

518Realty.com

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108 Fasula Blvd.

Schenectady, NY 12304

Steven Sbardella

August

AUTO

Licensed Associate Real Estate Broker

Office: (518) 489-1000

amerasia@nycap.rr.com

BROTHERS

Martha P Chamberlin

20 Aviation Road Albany, NY 12205

$350,000

20 Main Street

3 Bedrooms / 2.0 Baths

RealtyUSA.com

$329,000

11 Brampton Ln.

3 Bedrooms / 2.5 Baths

mchamberlin@realtyusa.com

$289,000

42a Brampton Ln

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 Associations: President of Local Chapter of NACHI • Member of NYSBOC

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

Insurance for Life’s Setbacks Capital Region

When you find yourself down, Liberty Mutual will be there to help you get back up.

L i f e and H o m e s

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I am committed to providing you with quality protection and service at an affordable price. Products I can offer include Auto, Home and

Sales Representative

Life Insurance. I have been with Liberty Mutual since 2012. Please contact

Licensed in Auto, Home, and Life Insurance.

me today to learn more about our complete coverage plans designed to protect you, your family, your home, and your automobile.

For a FREE Quote, Contact Matthew Stallmer Today!

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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 .

Matthew Stallmer

3 Lear Jet Lane Latham, NY 12110

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

Open Market Listing Service™

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

Queensburry

Saratoga Springs

For Lease by Owner

3 Bedrooms / 2.5 Baths

19 Boulevard QSN #340748

For Sale 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

cdillon@realtyusa.com

Saratoga Springs

$259,000

Big Bay Road

4 Bedrooms / 3.1 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

svarley@realtyusa.com

Schaghticoke

$109,900

1010 Obrien Ave

Sheridan Plaza - 1338 Gerling St.

2 Bedrooms / 1.0 Baths QSN #327205

For Lease

CKM Team Reality Carmelo Gines

QSN #338639

Lic. R.E. Broker

518-470-4877

carmelo@carmelogines.com

Rotterdam

Brokers Network Louise Giuliano Lic. Associate Broker

518-703-8879

amerasia@nycap.rr.com

Schenectady

$75,900

322 East Campbell Rd.

$135,000

1837 Van Vranken Ave.

3 Bedrooms / 1.0 Baths

Commercial Property

QSN #332215

QSN #338060

RE/MAX Park Place Dan Novak Lic. Associate Broker

Brokers Network Louise Giuliano Lic. Associate Broker

518-588-8945

518-470-4877

realestate518@gmail.com

Rotterdam

amerasia@nycap.rr.com

Schenectady

$219,900

$275,000 134 Duane Ave. - Commercial

1874 Dodge Street 3 Bedrooms / 2.5 Baths

Commercial Property

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

The Maryellen Blair Team

20 Aviation Rd Albany, NY 12205

Daniel Novak

Karen Relation 38 Brian Ct. Troy, NY 12182

Associate Broker/ Seller Listing Agent

(518) 588-8945

REALESTATE518@gmail.com 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

Serving Guilderland & Beyond.

Your Real Estate Authority

518.588-7106

www.north40re.com

Listing rates as low as 3.99%

Call For Your FREE

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

www.Life and Homes .com

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L i f e and H o m e s

RDerikart@RealtyUSA.com

Dan the Man with the Home Sale Plan

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Cell: (518)542-6070

tmarks@cbpp.com

August

Rachel Derikart Licensed Real Estate Salesperson

$1,000,000

7 Joshua Road

5 Bedrooms / 1.5 Baths QSN #340747

$499,900

9 Maria Ln.

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

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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™ 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.

$414,000

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

518-339-4733

518-859-8117

dnearyhart@nycap.rr.com

vluft@realtyusa.com

Schodack

Watervliet

$294,900

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

$220,000

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

$168,000

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

August

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

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L i f e and H o m e s

Homes

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We’ll Deliver Your Dream Home.

Life and

WORKING WITH AN INDEPENDENT AGENT The average insurance policy is several pages long. It’s full

of legal language that can state coverage on one page, only to

take it back three pages later. Insurance is an excellent way to manage financial risk, but it’s also a significant investment.

So many coverage details need explaining to the average buyer.

That’s why it’s so important to work with an independent insurance agent.

You may not realize it, but a variety of people can sell you

a policy, and you are not always their sole concern. Captive

Independent agents:

• Provide personalized face-to-face service; • Offer a choice of insurance products from different companies;

• Give objective advice, because we are not employed by any one insurance company; • Shop around for the best coverage, at the best price;

• Can access specialized coverages for unique needs; • Are thoroughly trained to help consumers make complex insurance decisions; • Can make sure claims get settled quickly and fairly; and

• Live in your community and support local efforts.

agents can only sell you coverage from a single company,

even if another insurer has a better policy for your situation.

Internet and 800-numbers don’t even offer agent services;

you’re on your own to sort through their policies and try to

select the one that’s right for you. Then, if you have a claim, it’s just you against the company.

The Connors Agency “Insurance since 1955”

Only an independent agent offers the choice and service that

ensures you get the coverage you need at a price you can afford.

40 North Central Avenue, PO Box 71, Mechanicville, NY 12118 Phone: (518) 664-7307 • Toll-Free: (800) 246-8731 info@connorsgroup.com

L i f e and H o m e s

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Capital Region

EMPLOYEES EARN CIC DESIGNATION

Susan DiVirgilio, CIC Laura McBride, CIC

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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 .

We are pleased to announce that 2 of our staff members, Susan DiVirgilio and Laura McBride have recently attained the prestigious designation of Certified Insurance Counselor (CIC).

Insurance Education & Research, which is respected throughout the insurance industry for the high standards maintained in the hundred of institutes conducted annually in all 50 states and Puerto Rico.

To earn this designation, Susan and Laura attended rigorous courses over a 3 year period covering all phases of the Insurance business and passed five comprehensive examinations.

Our committment to the CIC program is a testament to the value we place on real world education and customer satisfaction. Laura began her career at The Connors Agency in February of 2006, and Susan joined the Agency January 15, 2007.

The Society of CIC is a not-for-profit organization of The National Alliance for