Northern NY
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2010
Bringing people and homes together w w w. L i f e a n d H o m e s . c o m
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Guide to Local Listings Real Estate
Under Attack pg3 LISTINGS pg5
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CORNERpg16 DIRECTORY pg18
Life and
Spring Ahead
Homes
March is the month we “spring ahead”. At 2 a.m. on the second Sunday of every March, Congress says we’re supposed to set our clocks forward one hour ahead of standard time.
jefferson-lewis co. NY, Edition Published By LifeandHomes, INC.
Not everyone embraces change, even when it’s mandated. Hawaii doesn’t follow Daylight Saving Time and neither do the territories of Puerto Rico, Virgin Island, Guam and American Samoa. Arizona and Indiana, on the other hand, straddle the fence. The Navajo Indian Reservation in Arizona DOES observe daylight savings time, the rest of Arizona doesn’t. The Eastern Time Zone section of Indiana doesn’t change their clocks but the rest of the state does. Confused yet? Try figuring out what’s happening in real estate. Today’s news reported promising increases in new housing starts and existing home sales, followed by a story on massive job loss within the construction industry. So, exactly who is building the new houses? I read that a record number of homeowners have opted to invest in home improvement instead of selling. Try comparing that data to The National Association of Home Builder study reporting the remodeling market is continuing to deteriorate. Say what?
Publication Franchise RMC David P. Lisi Corporate Editor Kim L isi Kim@dslisi.com
How to Reach Us Press Releases or Letters to the Editor Our e-mail address is Kim@LifeandHomes.com (Please do not send attachments)
David P. Lisi , RMC
Real Estate Marketing Consultant 315-865-5845 • David@dslisi.com
Based on what’s being reported, I’m not quite sure if the real estate market is springing ahead yet or not. To be honest, I’m not even sure I know exactly what time it is where you live. It’s a good bet, though, that warmer weather and the slow emergence of spring in the Northeast will bring an upswing in the housing marketing. We’re all rooting for it! LifeandHomes supports our community by showcasing local business services and featuring for sale listings from Realtors, Investors, For Sale By Owners, Contractors, Manufactured Home Builders, Developers, and Commercial Developers all in one convenient place. Browse through the property listings, articles and helpful resources, then visit www.LifeandHomes.com and use the easy search options to see even more for sale properties. Go ahead. Embrace the change. Spring ahead
i David P. Lis
Or send to: LifeandHomes Magazine PO Box 18 Holland Patent, NY 13354
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Life and Homes is published monthly by Lisi Merchant Solutions, Inc. Every effort has been made to ensure that home listings, advertisements and information are free of errors or omissions. The publisher does not guarantee the accuracy of the submitted information to Life and Homes Magazine and assumes no liability. This information has been compiled from public records and other sources we believe to be reliable, but we make no guarantee with respect to its accuracy or completeness or the absence of restrictions on use and are not responsible for any liability, loss, or risk that subscribers may incur, directly or indirectly, from using the contents of this site. Copyright © 2010 LifeandHomes, Inc.
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Pending Legislation May Make Loans
More Expensive If you’re planning on--or just dreaming about buying a house, it may pay to hurry up. Although interest rates are currently low, in the not-too-distant future the costs of financing a home may be so high many consumers simply will not be able to afford it. That could happen if a piece of legislation before the U.S. Senate comes to fruition, warn people familiar with the situation. The financial reform bill “Restoring American Financial Stability Act” includes something called a “risk-retention” provision. This would require all lenders to hold at least 10 percent of the “credit risk” for each loan they originate and ultimately sell off to investors. The idea is that this will prompt lenders to be more diligent in qualifying clients, as it forces them to have exposure to risk in the loans they write. It’s also believed to mean lenders will have to have 10 percent of cash on hand for each and every loan they write. “While I am sure our elected officials have good intentions, the unintended consequences of this legislation would be staggering,” said Scott Stern, chairman of the Community Mortgage Lenders of America, a national group dedicated to increasing competition and consumer choice in the mortgage industry. “In reality, what will happen is a mass closing of small community and regional lenders, who will simply not be able to carry the amount of cash required by the legislation. This is significant, as local lenders write nearly 40 percent of all mortgages.”
Tame Your Tweets
You shred your mail, and protect your debit card, but did you know tweeting or posting information on FaceBook about your employment status, home foreclosures in your neighborhood, or other potentially sensitive information could impact your personal finances? SmartMoney.com is reporting that lenders are starting to look at social networking sites, especially FaceBook, Twitter, and Linkdin to get information about their customers. Here’s what you need to know: A company called RapLeaf.com is already providing lenders with data taken from customers’ FaceBook pages. It’s only a matter of time before more of these data scanning companies come on line. So far, RapLeaf insists it’s only providing data for targeted marketing campaigns and that the information is not used to make lending decisions. But it’s anybody’s guess when information you post or tweet starts to affect your credit score. Anything you post on the Internet is public information and there’s nothing illegal about lenders using it however they wish. Now, if a lender denies you a loan based on information taken from your FaceBook page, without disclosing the source, it could violate the Fair Credit Reporting Act.
Under New Law On February 22, 2010, Amanda’s Law went into effect throughout the State of New York, requiring that all residences have carbon monoxide alarms installed on every level of a home where there is an area utilized for sleeping. The new legislation was introduced after the tragic story of 16-year-old Amanda Hansen who died from carbon monoxide poisoning while at a sleepover at her friend’s house. Prior to Amanda’s Law, residential dwellings that were constructed or offered for sale after July 30, 2002, had to be updated with a carbon monoxide detector. Amanda’s law effectively removed the construction and sale provisions, and provided that all homes regardless of construction or sale date must be outfitted with a carbon monoxide detector. In addition, any two-family dwelling, dwelling accommodations located in a building owned as a condominium or cooperative in the State, or any multiple dwelling must have an operable carbon monoxide detector. Such structures include, but are not limited to, a tenement, flat house, apartment, duplex, hotel, nursery school, fraternity/sorority, school dormitory, nursing home, or convalescent home. Visit www.dos.state.ny.us/code/ COAlarm.htm for complete rules.
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“I have to wonder if the government is familiar
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The bottom line is you have to be very careful about what you post or tweet. To their credit, RapLeaf.com does allow consumers to opt out of its database at www.rapleaf.com/ opt_out (Source: Crown.org)
Detectors Required
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Lenders warn the net result could be a smaller pool of lenders, with those who remain forced to charge significantly higher rates to cover the cost of risk retention.
Many lenders, and consumers, are watching this one very closely. You can write your legislators to let them know that you oppose risk retention and limited choice at www. house.gov and www.senate.gov. (NAPSI)
Carbon Monoxide
March
Consider this: If a small community lender writes $100 million in loans, after only five years it will be asked to hold as much as $50 million in cash reserves--impossible for most lenders.
with the lending process. Lenders already retain the risk on the loans they write. If they do not meet the investors’ guidelines, the lender must buy that loan back,” Stern said.
Foreclosures May Top 20 Million
Foreclosures are likely to top 20-million homes in the U.S. if government officials don’t take action to lessen the impact of the foreclosure crisis, according to a report by Housing Predictor. The real estate research firm was the first to forecast the foreclosure epidemic, triggering the worst economic turmoil since the Great Depression. In a recent Housing Predictor survey nearly 1 in 3 mortgage holders say they will walk away from their homes if housing prices continue to fall. The action would leave bankers on the hook for trillions of dollars in unpaid mortgages and send the U.S. economy into a worsening financial crisis, resulting in the highest number of renters in the housing market in decades. Consumers are saving more in light of the economic turmoil and home sales are improving in many especially hard hit areas of the country with the assistance of first time home buyers tax incentive. Foreclosures compose the majority of home and condo sales nationally. Nearly 6-million additional Option Arm adjustable rate mortgages will reset through 2010 and more than three-quarters will not be able to be refinanced under current mortgage guidelines. As a consequence, millions of more homes will go into foreclosure and provide a growing inventory of property at bargain prices. Housing Predictor forecasts local housing markets in all 50 states. Check your market forecast at http:// www.housingpredictor.com (RealEstateRama)
Avoid Common Northern New York
Home Improvement
Scams
L i f e and H o m e s
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The Consumer Tool Kit to Home Improvement cautions consumers to be cautious of the following common scams: Driveway Sealant Scam: Deeply discounted driveway services may use inferior products that wear away with a few months or after a few rainfalls. Ask what type of material is used and the method of application then do some research. 4
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newsShorts Chimney Repair: This scam often begins with a cheap offer for cleaning gutters. Once the gutter work is performed, the contractor claims the chimney is in need of repair and may even go so far as to remove bricks and mortar from your chimney. Another popular scam is when a contractor claims there is a threat of carbon monoxide poisoning if the chimney is not repaired immediately. Always get a second opinion from a reputable contractor. Roofing: Some contractors may use substandard materials and only after your roof leaks, possibly resulting in interior property damage, you realize you have been scammed. You should request that your contract have a hold-back clause where the final payment is withheld until 30 days after the completion of the project. This provides time for the roof work to withstand some weather patterns such as rain, wind, snow or ice.
falls on a weekend or holiday, no late penalty can be assessed if payment is received the next business day. Payments received by 5 p.m. must be credited the same day. Additional Disclosure About Minimum Payments -Your credit card bill must disclose how long it will take to pay off the existing balance, and the total cost in interest fees, if you pay only the minimum amount due each month. Consumers can call the CPB’s toll-free hotline, 1-800-697-1220, to ask questions about the new law and obtain further guidance, or can email their questions to creditcardstory@consumer.state.ny.us. (NYS Consumer Protection Board)
To view the complete Consumer Tool Kit to Home Improvement pamphlet, visit www.nysconsumer. gov/pdf/contractor_ripoffs_2008.pdf
Credit Card Reform Enacted Effective February 2010, many unfair credit card industry practices were outlawed. The new protections are the latest phase of the federal Credit Card Accountability, Responsibility, and Disclosure Act. The most significant reforms include: Limits on Interest Rates Hikes During the First Year -- The interest rate on a new credit card cannot be increased during the first year, unless it’s a variable rate card, the “introductory rate” expires after a minimum of six months, or the cardholder is more than 60 days late in making a minimum payment. Limits On “Penalty” Interest Rate Hikes -- If the interest rate is hiked because you were more than 60 days late in making a minimum payment, the old interest rate must be restored if you make all your payments on time during the first six months after the rate increase. Fairer Payment Allocation -- If your card has more than one interest rate on balances, any amount you pay above the minimum payment must first be applied to the balance with the highest interest rate. Clearer Due Date and Time -- Payments must be due on the same day each month. If the due date
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March â–
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Top 10 kitchen and bath trends for 2010 newsShorts
Does your kitchen or bathroom look like it’s stuck in a time warp? Then it might be time to update the most-used rooms in your home. For inspiration, look no further than the National Kitchen and Bath Association (NKBA), which recently shared its top 2010 kitchen and bath trends. To compile the findings and determine the latest kitchen and bath trends, the organization surveyed those members who designed a kitchen or bathroom during the last quarter of 2009. According to NKBA, the top 10 trends for 2010 are: 1. Shaker style kitchen design 2. Maple and alder cabinetry finishes 3. Quartz countertops 4. Pull-down/pull-out kitchen faucets 5. Polished chrome finishes 6. Under-counter refrigerator drawers 7. Dishwasher drawers for small loads 8. Marble vanity tops 9. Integrated sink tops, drop-in sinks, vessel sinks and pedestal sinks 10. Bronze and stainless steel finishes In the kitchen
Northern New York
Making a big statement throughout the kitchen in 2010 is the addition of functional drawer appliances. One such example, which has been specified by nearly a third of NKBA’s kitchen designers, is modern refrigeration technology. Turning convenience into a luxury, under-counter refrigerated drawers feature adjustable horizontal and vertical dividers to keep frequently used items close at hand. Perfect for the ultimate entertainer, refrigerated drawers are quite roomy, typically tall enough to store a 2-liter bottle and wide enough to hold items such as serving trays and pizza boxes.
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If you’re tired of running the dishwasher when it’s only half-full, consider installing a dishwasher drawer. Because it’s independently operated, you can wash small loads as economically as large ones. Plus, the extra flexibility to run cycles simultaneously with your traditional dishwasher makes clean-up quicker and easier, explaining why nearly a third of designers are incorporating this new trend into kitchens, as well. Another popular element to include in the kitchen in 2010 is a pull-down or pull-out faucet. Utilized by 85 percent of kitchen designers, it’s an easy way to make a design statement at the kitchen sink while 6
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increasing functionality. The new Arbor pull-down kitchen faucet from Moen seamlessly brings simple sophistication to the kitchen with its transitional styling that complements virtually any decor. It’s available in a chrome finish, which is another 2010 trend to look for in appliances, accents and hardware throughout the entire kitchen. For more information about the Arbor pull-down kitchen faucet from Moen, visit moen.com or call (800) BUY-MOEN (800-289-6636). In the bath Granite is the dominant material chosen for vanities in current remodels - used by seven of every eight designers
- however, in 2010 alternative natural materials, like marble, will continue to grow in popularity. According to NKBA, just under half of bathroom designers utilize marble, as it provides a sophisticated look that’s reminiscent of Roman baths with its regal, refined detail that exudes a sense of luxury. Plus, marble countertops provide a stain-resistant, waterresistant, rugged and durable surface - ideal for childfriendly bathrooms or homes with just one bathroom that see a lot of traffic throughout the day. NKBA also forecasts that integrated sink tops will be a popular choice this year, as you can easily use existing items to achieve this look. By adding a sink into an antique dresser or chest, designers are creating oneof-a-kind vanities for nearly 30 percent of all clients. Polished chrome finishes are another bathroom design trend for 2010. Look to incorporate this chic metal accent into all your hardware by updating the accessories in your bath, as well. You’ll be able to make a big impact with small updates like new towel bars and robe hooks, for a completely coordinated look. (ARA)
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Your All Inclusive Home Directory Alexandria Bay
LifeandHomes.com
$850,000
Waterfront Property
3 Bedrooms / 1.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #33015
For more details visit www.LifeandHomes.com Type in Quick Search #33815
Deborah Schaefer • 315-836-3578
Allen Walker • 315-771-8189
LIc. R.E. Broker • debbie@thousandislandhomes.com
Home Loan Solutions • Northern FCU • 315-771-4783
Alexandria Bay
$289,000
Bowes Realty
Lic. R.E Salesperson • Bowes@twcny.rr.com
Home Loan Solutions • Northern FCU • 315-771-4783
Cape Vincent
$110,000
45226 Taylor Road
Lot B Dablon Point Road
5 Bedrooms / 3.0 Baths
Waterfront Building Lot
For more details visit www.LifeandHomes.com Type in Quick Search #41018
For more details visit www.LifeandHomes.com Type in Quick Search #41044
Lisa Watson • 315-286-9682
Allen Walker • 315-771-8189
Coldwell Banker-Rimada Realty Lic. R.E Salesperson • MLBJS5@hotmail.com
Alexandria Bay
Bowes Realty
Lic. R.E Salesperson • Bowes@twcny.rr.com
Home Loan Solutions • Northern FCU • 315-771-4783
$75,000
Home Loan Solutions • Northern FCU • 315-771-4783
Cape Vincent
$135,000
10 Chayne Circle
273 E James St
3 Bedrooms / 1.0 Baths
3 Bedrooms / 1.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #32965
For more details visit www.LifeandHomes.com Type in Quick Search #33793
Deborah Schaefer • 315-836-3578
Allen Walker • 315-771-8189
Front Porch Realty
LIc. R.E. Broker • debbie@thousandislandhomes.com
Home Loan Solutions • Northern FCU • 315-771-4783
Brownville
$138,000
Bowes Realty
Lic. R.E Salesperson • Bowes@twcny.rr.com
Home Loan Solutions • Northern FCU • 315-771-4783
Cape Vincent
$199,900
325 Washington Street
221 Esselstyne Street
3 Bedrooms / 1.5 Baths
3 Bedrooms / 3.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41046
For more details visit www.LifeandHomes.com Type in Quick Search #32949
Mary A. Bisig • 315-786-6666
James Wiley • 315-778-1360
Century 21 Millennium Realty Lic. R.E Agent • c21marybisig@aol.com
Brownville
Bowes Realty
Agent • jameslwiley@tds.net
Home Loan Solutions • Northern FCU • 315-771-4783
$179,900
Home Loan Solutions • Northern FCU • 315-771-4783
Cape Vincent
$239,000
208 Brown Blvd
346 James Street
3 Bedrooms / 1.5 Baths
4 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #33946
For more details visit www.LifeandHomes.com Type in Quick Search #32976
Judy A. Condino, GRI • 315-405-8127
James Wiley • 315-778-1360
Condino Realty NY, LLC Lic. R. E. Broker • jcondino@twcny.rr.com
Home Loan Solutions • Northern FCU • 315-771-4783
Melanie Curley
James Conlin
I came to the area on vacation and liked it so much I decided to move here. I have been a Realtor since 1999 and opened my own office in September of 2006. My goal is to “Bridge the Gap Between Buyers and Sellers”. Customer service and satisfaction is the basis of my business. I was named Realtor of the year for 2008 by The Jefferson Lewis Board of Realtors.
Whether buying or selling I will get the job done for you. I place customer service as my #1 priority and I am a full time Licensed Real Estate Associate Broker that is available for all of your real estate needs 7 days a week!
Real Estate Broker / Owner Thousand Islands Realty
Lic. R.E. Associate Broker TLC Real Estate LLC
Call Dean Case 315-942-4949 • Cell 315-534-3319 • Fax 315-942-2527 Adirondack Builders, Inc. is an independently owned and authorized dealer/builder for Tennesee Log Homes.
Phone: 315-778-2458 Email: melc@gisco.net
Phone: 315-408-8246 Email: james_conlin1@hotmail.com www.Life and Homes .com
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START LIVING YOUR DREAM TODAY!
Agent • jameslwiley@tds.net
Home Loan Solutions • Northern FCU • 315-771-4783
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Q General Contracting Q Carpentry Q Plumbing Q Masonry Q Roofing Q Electrical work
Bowes Realty
March
Several log home plans are available, with many different log styles to choose from. We offer 3 species of wood and optional roof systems. The possibilities are endless...
"Our goal is to provide you with a no pressure, turn-key home building experience log or stick built."
$79,000
27298 NYS Rt 342
Front Porch Realty
Q Log Homes Q Timber Frame Construction Q Fireplaces Q Basements Q Decks Q Custom Kitchens Q Additions
Calcium
71 Anthony Street
LifeandHomes.com Cape Vincent
Your All Inclusive Home Directory De Kalb Junction
$145,000
324 East Joseph Street
269 Old Canton Road
3 Bedrooms / 2.5 Baths
5 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #33932
For more details visit www.LifeandHomes.com Type in Quick Search #41053
James Wiley • 315-778-1360
Bradley Byrns • 315-287-1789
Bowes Realty
Byrns Realty
Agent • jameslwiley@tds.net
Lic RE Broker/Owner • brad@byrnsrealty.com
Home Loan Solutions • Northern FCU • 315-771-4783
Cape Vincent
Home Loan Solutions • Northern FCU • 315-771-4783
Dexter
$725,000
19073 State Rt 12f
4 Bedrooms / 1.5 Baths
3 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #33563
For more details visit www.LifeandHomes.com Type in Quick Search #41063
James Wiley • 315-778-1360
Frank Roberts • 315-788-6176
Coldwell Banker-Rimada Realty
Agent • jameslwiley@tds.net
Lic. R.E Salesperson • frobert2@twcny.rr.com
Home Loan Solutions • Northern FCU • 315-771-4783
Carthage
Home Loan Solutions • Northern FCU • 315-771-4783
Dexter
$134,900
$137,500
41748 Persha
20092 CR59
3 Bedrooms / 1.5 Baths
2 Bedrooms / 1.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #
For more details visit www.LifeandHomes.com Type in Quick Search #41035
Brite Orange Realty
Elliott Realty, Inc.
Chris Palmer • 315-629-2200
George Briggs • 315-782-8498
Lic. R.E Salesperson • georgebriggsrealestate@hotmail.com
Home Loan Solutions • Northern FCU • 315-771-4783
Carthage
Home Loan Solutions • Northern FCU • 315-771-4783
Evans Mills
$145,000
$294,900
19830 Eddy Road
28333 Rogers Road
3 Bedrooms / 1.0 Baths
4 Bedrooms / 2.5 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41066
For more details visit www.LifeandHomes.com Type in Quick Search #41050
Ernest Scriber • 315-222-3153
Ernest Scriber • 315-222-3153
Christensen Realty USA
Christensen Realty USA
Lic. R. E. Salesperson • escribner@realtyusa.com
Lic. R. E. Salesperson • escribner@realtyusa.com
Home Loan Solutions • Northern FCU • 315-771-4783
Clayton
Home Loan Solutions • Northern FCU • 315-771-4783
Heuvelton
$134,900
$79,500
719 James St
48 Dolly Road
4 Bedrooms / 1.0 Baths
3 Bedrooms / 1.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #33795
For more details visit www.LifeandHomes.com Type in Quick Search #33988
George Bowes • 315-771-6543
Bradley Byrns • 315-287-1789
Bowes Realty
Byrns Realty
Lic. R.E Broker/Owner • bowes@twcny.rr.com
Lic RE Broker/Owner • brad@byrnsrealty.com
Home Loan Solutions • Northern FCU • 315-771-4783
Northern New York
$113,000
2332 Humphrey Road
Bowes Realty
Home Loan Solutions • Northern FCU • 315-771-4783
Business Opportunities from hardwood flooring • stair parts • molding
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$119,900
We Stock
KILN DRIED cherry, walnut, maple, butternut, ash, oak, exotics and woodworking supplies Visit our website anytime www.lakeshorehardwoods.com
266 Manwaring Road, Pulaski, NY 13142 • 315-298-6407
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Real People.
Do you seek to leverage your existing business or personal network to boost, or create, revenue? Maybe you want to start a new business, but you’re inundated by bogus biz opp spams and scam. Come see the CyberVillage list of business opportunities and we will help you cut through the maze. --> Learn more here: http://Business.CyberVillage.com Disclaimer: All business includes some risk. Nothing is ever guaranteed in business. Please consult with an attorney before starting a business.
Joan Gerni
18242 state rt. 3 watertown, nY 13601 Office 315.782.4476
Watertown
Broker owner
Cell 315.778.7653 Email jsgerni@nnyhomes.com
Watertown
$124,900
$179,900
809 Davidson St
26087 Mustard Rd
4 Bedrooms / 1.5 Baths
4 Bedrooms / 2 Baths
The current sellers have done an outstanding job here, and the pride in ownership can be seen around every corner
Your own Private Paradise! Pull into the new driveway, and walk up the new cobblestone path, past the new deck and come into your dream home.
NNY Homes
NNY Homes
315.782.4476
315.782.4476
Brownville
Dexter
$69,900
$265,000
24491 Co Rte 53
3 Grant Street
2 Bedrooms / 1 Baths
3 Bedrooms / 2.5 Baths
Nice stone homewith newer kitchen. Washer and dryer on first floor in Bathroom. House sits off the road with paved driveway.
act early & you will have the opportunity to pick kitchen & bathroom cabinets, flooring, etc. You could be one of the first owners in this subdivision!
NNY Homes
NNY Homes
315.782.4476
315.782.4476
Watertown
Philadelphia
$139,900
$325,000
409 S Meadow
32955 NYS Rt 26
3 Bedrooms / 1.5 Baths
6 Bedrooms / 4 Baths
amazing home at an unbeatable price! This home has the works! Updates including electrical, plumbing, kitchen, baths, and more!
This home is designed for entertaining and features a kitchen-dining-living great room, two story entry, first floor den, laundry room, full bath, den and office.
NNY Homes
NNY Homes
315.782.4476
315.782.4476
$750,000 • 71 Anthony Street • Alexandria Bay Prime development property! 240’St. Lawrence River waterfront with 440’of dockage. Two acre property with a 24 unit seasonal motel with good repeat business located directly across from fabulous Boldt Castle. There are an additional 3 acres with more waterfront available. What a terrific spot for condos or townhouses, or even a private estate or several single family homes. All utilities are there including public sewer and water. Few parcels of this size and location come available on the river. Listing agent is part owner.
www.Life and Homes .com
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Gorgeous view of Boldt Castle and the main channel from the property with development potential. Includes “boat house studio apartment”, plus 3 motel type rentals, 2 boaters baths, large waterside deck, and two-three bedroom two bath floating houses which can be used year around. There is plenty of good sheltered dockage and the property has access to public sewer and water.
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42781 NYS Route 12 Alexandria Bay, NY 13607 (315) 836-3578 Office (315) 836-3539 Fax (315) 778-9280 Cell DEBBIE@THOUSANDISLANDHOMES.COM WWW.THOUSANDISLANDHOMES.COM
$1,200,000 • 71 Anthony Street • Alexandria Bay
March
Deborah Schaefer, GRI, CBR Broker Owner
306 James Street Clayton, NY 13624
Call Our Office (315) 686-5500
Residential • Waterfront • Land • Commercial Governeur
$220,000
4 Bedrooms / 3 Baths
3 Bedrooms / 2.5 Baths
Contemporary 4 bedroom, 3 bath home, att. garage and newer barn situated on 58.8 acres. Borders over 3,000 acres of state land.
This home has it all, 3 bedrooms, 2.5 baths, beautiful kitchen, back deck, attached garage, paved drive.
Thousand Islands Realty, LLC
Thousand Islands Realty, LLC
Go to LifeandHomes.com and Type in QSN#33950
Go to LifeandHomes.com and Type in QSN#37494
Cape Vincent
$325,000 Year Round Waterfront Home
Theresa
3 Bedrooms / 2 Baths
3 Bedrooms / 2 Baths
Northern New York ■
$219,000
Home with Acreage This sweet deal is situated on 7.97 acres; 3 bedrooms and 2 baths, family room with fireplace. Garage with storage space.
Thousand Islands Realty, LLC
Thousand Islands Realty, LLC
Go to LifeandHomes.com and Type in QSN#33548
Go to LifeandHomes.com and Type in QSN#37492
Alexandria Bay
Watertown
$205,000
315-686-5500
$139,900
This One Has It All!
Renovated and Ready!
4 Bedrooms / 3 Baths
4 Bedrooms / 2 Baths
4 Bedrooms, 3 baths, attached garage, finished basement, back deck, 1.78 landscaped acres and public water.
Renovated 4 bedroom home, 2 bath home is sure to please. New kitchen with new appliances.
Thousand Islands Realty, LLC
Thousand Islands Realty, LLC
Go to LifeandHomes.com and Type in QSN#33951
Go to LifeandHomes.com and Type in QSN#40987
315-686-5500
L i f e and H o m e s
315-686-5500
Sunsets and ships will be your view. designer kitchen, 3 bedrooms, 2 baths, att. 2+ car garage.
315-686-5500
Marcie Travers Lic. R.e. Sales Person 315.489.4892
Melanie Curley Lic. R.e. Broker/owner 315.778.2458
315-686-5500
Tammy Byers Lic. R.e. Salesperson 315.405.5176
Jackie Barton Lic. R.e. Salesperson 315.771.7902
www.nywaterfronthomes.com • www.PCStoDrum.com
315.686.5500
10
$239,000
Talk About Curb Appeal!
315-686-5500
Les Henry Lic. R.e. assoc. Broker 315.771.7440
Pamelia
Borders State Land
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 .
Brite Orange Realty The Time You Spend With us Will Change Where You Live.
Governeur
$264,900
8440 Willow Street Evans Mills, NY 13637 Tel: 315-629-2200 Cell: 315-771-3239
Fax: 315-629-2201 www.BriteOrange.com
Evans Mills
$780,000
450 US Highway 11
26623 Co Rte 16
5 Bedrooms / 2 Baths
5 Bedrooms / 2 Baths
Custom built in 2006, energy efficient. Home wired for media and communication.
a 480 acre farm that is close to Ft drum with hundreds of feet of road frontage.
Brite Orange Realty
Brite Orange Realty
Christine Hogarth • 315-408-7936 Lic. R.E. Salesperson • chris@briteorange.net
Christopher J. Palmer • 315-629-2200 Lic. R.E. Broker/ Owner • chris@briteorange.net
Go to LifeandHomes.com and Type in QSN#41059
Go to LifeandHomes.com and Type in QSN#33947
Watertown
$129,900 24314 NYS Rt 12 Gifford St Rd
Philadelphia
2 Bedrooms/1.5 Baths
5 Bedrooms / 1.5 Baths
Private fenced backyard, patio, garage updated w paint and new concrete apron to be installed.
downstairs bedroom w half bath and private entrance from outside, could be used as an office.
Brite Orange Realty
Brite Orange Realty
Christine Hogarth • 315-408-7936 Lic. R.E. Salesperson • chris@briteorange.net
$149,000
31 Main Street
Daniel McIIroy • 315-629-2200 Lic. R.E. Salesperson • BriteOrangeDan@gmail.com
Go to LifeandHomes.com and Type in QSN#41060
Go to LifeandHomes.com and Type in QSN#41055
Redwood
Carthage
$120,000
$134,900
41088 Co Rt 21
41748 Persha
3 Bedrooms / 2 Baths
3 Bedrooms / 1.5 Baths
Quiet country home. Nice 3 bedroom 2 bath ranch on nearly 2 acres w barn.
Many updated windows, full acre of land, two large porches, 27 foot above ground pool, large storage shed.
Brite Orange Realty
Brite Orange Realty
Christine Hogarth • 315-408-7936 Lic. R.E. Salesperson • chris@briteorange.net
Christopher J. Palmer • 315-629-2200 Lic. R.E. Broker/ Owner • chris@briteorange.net
Go to LifeandHomes.com and Type in QSN#41061
Go to LifeandHomes.com and Type in QSN#41056
Natural Bridge
Theresa
$69,000
$45,000
6544 State Route 3
33375 Broadwell
1 Bedroom / 1 Bath
3 Bedrooms / 1 Baths
7 miles from Ft drum. Cozy home for single, couple or getaway.
Single wide mobile home. Nice summer camp but was last used as a residential home.
Brite Orange Realty
Brite Orange Realty
Christine Hogarth • 315-408-7936 Lic. R.E. Salesperson • chris@briteorange.net
Christopher J. Palmer • 315-629-2200 Lic. R.E. Broker/ Owner • chris@briteorange.net
Go to LifeandHomes.com and Type in QSN#41062
Go to LifeandHomes.com and Type in QSN#41057
Watertown
Theresa
$65,000
$77,000
513 Frontenac St
34821 Eddy
4 Bedrooms/1 Bath
3 Bedrooms / 1 Bath
From Leary St going to Watertown, turn right on to Main. Continue until you see Frontenac St on the right.
Nice starter home with 3 acres in country setting. Home has a metal roof that is only 3 years old.
Brite Orange Realty
Brite Orange Realty
Christine Hogarth • 315-408-7936 Lic. R.E. Salesperson • chris@briteorange.net
Go to LifeandHomes.com and Type in QSN#33973
$325,000
Lic. R.E. Broker/ Owner • chris@briteorange.net
Go to LifeandHomes.com and Type in QSN#41058
Natural Bridge
$156,000
4 Bedrooms / 2 Bath
77acres w a pond that is completely fenced in. Indoor riding ring, equine barn w 16 stalls.
Farmhouse on over 10 acres. Modern eat in kitchen, formal dining room.
Tethanni M Johnson • 315-629-2200 Lic. R.E. Salesperson • tethanni@yahoo.com
Go to LifeandHomes.com and Type in QSN#41054
Brite Orange Realty
Christine Hogarth • 315-408-7936 Lic. R.E. Salesperson • chris@briteorange.net
Go to LifeandHomes.com and Type in QSN#41076
www.Life and Homes .com
11
L i f e and H o m e s
4059 Factory Road
5 Bedrooms / 1.5 Baths
■
39 Old Route 11
Brite Orange Realty
March
Governeur
Christopher J. Palmer • 315-629-2200
It doesn’t get any better
Visit or Call 315-865-7418 • lms1960.globalmobile1.com Watertown
$124,000
141 Francis
35033 Lot 923 Eddy Rd
3 Bedrooms / 1.5 Baths
3 Bedrooms / 2 Baths
1st floor has nice sized living room, formal dining room and wonderful u-shaped kitchen. Kitchen has oak cabinet w plenty of counter space and storage. Refrigerator, dishwasher, disposal and trash compactor. Includes washer and dryer. Go to LifeandHomes.com and Type in QSN#41017
Alexandria Bay
Northern New York
Watertown 13115 County Rt 156
5 Bedrooms / 3 Baths
3 Bedrooms / 2 Baths
Watertown
$23,000 17643 Us Rt 11 23 High View Terrance
Watertown
2 Bedrooms / 2 Baths
3 Bedrooms / 1.5 Baths
Lisa Watson Lic RE Salesperson
Coldwell Banker Military Markets Specialist
(P) 315-286-9682 (E) MLBJS5@hotmail.com (W) softmls.com/realtorwatson 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 .
$43,500
Minutes from Ft. drum and local shopping, this wonderful double wide is ready for a new owner to call it home. Private area with great views. Looking from the front porch, enjoy the wilderness - park area and pond area are close by as well. Go to LifeandHomes.com and Type in QSN#41022
45226 Taylor Road
Single Wide Home in Northland estates mobile home park - lot rent approximately $360. 1991 Colony Keystone - 70 X 14. 3 storage units and a partial fenced yard area - great for kids or animals. Go to LifeandHomes.com and Type in QSN#41021
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L i f e and H o m e s
$289,000
1 year free home warranty included. Landscaped front and back yards, Huge back deck, firepit. entry and LR have hand scraped wood floors. LR w fireplace. Kitchen has travertine flooring, custom cabinets, stainless appliances, tiled back splash, large center island. Go to LifeandHomes.com and Type in QSN#41018
12
Theresa
$219,000
5 acres w 2 stocked ponds. downstairs features high ceilings, garden window, sliding glass door that leads to screened in porch overlooking pond. New wood stove in LR, Kitchen w large island a sliding glass doors that lead to another porch overlooking pond. Go to LifeandHomes.com and Type in QSN#33792
$119,900
1165 Academy Street Minutes from Fort drum. Nice open space as you enter front door. dining room has lots of light and new bamboo flooring. Large LR includes built in shelves and fireplace w new mantel and new electrical wiring for your tv. Go to LifeandHomes.com and Type in QSN#41016
Rimada Realty 1063 C Arsenal Street Watertown, NY 13601 (P) 315-788-4444 (F) 315-788-5235
Your All Inclusive Home Directory Heuvelton
LifeandHomes.com Theresa
$125,900
$169,000
177 Mitchell Road
37956 RT 37
2 Bedrooms / 1.0 Baths
3 Bedrooms / 1.5 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #33411
For more details visit www.LifeandHomes.com Type in Quick Search #41045
Ruth Varley • 315-375-7860
George Bowes • 315-771-6543
Garlock Realty
Bowes Realty
Lic. R.E. Salesperson • rvarley@twcny.rr.com
Broker/Owner • bowes@twcny.rr.com
Home Loan Solutions • Northern FCU • 315-771-4783
Natural Bridge
Home Loan Solutions • Northern FCU • 315-771-4783
Theresa
$68,400
$77,000
27585 Depot - 2 Unit
34821 Eddy
6 Bedrooms / 2.5 Baths
3 Bedrooms / 1.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41051
For more details visit www.LifeandHomes.com Type in Quick Search #41058
Nancy Rome • 315-493-2134
Christopher Palmer • 315-771-3239
Rome RSA Realty L.L.C.
Brite Orange Realty
Lic. R.E. Broker/Owner • nrome@twcny.rr.com
Broker • chrisp6366@aol.com
Home Loan Solutions • Northern FCU • 315-771-4783
Natural Bridge
Home Loan Solutions • Northern FCU • 315-771-4783
Theresa
$169,000
$45,000
5682 Old State Rd
33375 Broadwell
5 Bedrooms / 2.0 Baths
3 Bedrooms / 1.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41065
For more details visit www.LifeandHomes.com Type in Quick Search #41057
Ernest Scriber • 315-222-3153
Christopher Palmer • 315-771-3239
Christensen Realty USA
Brite Orange Realty
Lic. R. E. Salesperson • escribner@realtyusa.com
Broker • chrisp6366@aol.com
Home Loan Solutions • Northern FCU • 315-771-4783
Philadelphia
Home Loan Solutions • Northern FCU • 315-771-4783
Theresa
$149,000
$43,500
31 Main Street
35033 Lot 923 Eddy Rd
5 Bedrooms / 1.5 Baths
3 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41055
For more details visit www.LifeandHomes.com Type in Quick Search #41022
Daniel McIIroy • 315-629-2200
Lisa Watson • 315-286-9682
Brite Orange Realty
Coldwell Banker-Rimada Realty
Lic. R.E Salesperson • BriteOrangeDan@gmail.com
Lic. R.E Salesperson • MLBJS5@hotmail.com
Home Loan Solutions • Northern FCU • 315-771-4783
Home Loan Solutions • Northern FCU • 315-771-4783
Syracuse
Watertown
Central NY
25640 State Rt 37
Custom Home
Commercial plus 40 Acres
For more details visit www.LifeandHomes.com Type in Quick Search #33356
For more details visit www.LifeandHomes.com Type in Quick Search #33838
Al Roy • 315-458-4256
Betty Bork • 315-404-8242
Custom Home Masterpieces, Inc.
$395,000
Century 21 Millennium Realty
0 • alroy@twcny.rr.com
Licensed RE Agent • bbork@nnymls.com
Home Loan Solutions • Northern FCU • 315-771-4783
22195 Swan Road • Watertown
Home Loan Solutions • Northern FCU • 315-771-4783
Featured Home March
4 Bedrooms/ 3 Baths
■
Joan Gerni Broker/ Owner
(P) 315-778-7653 (E) jsgerni@nnyhomes.com (W) www.nnyhomes.com
www.Life and Homes .com
13
L i f e and H o m e s
$549,000
Open The Door To Elegance... This amazing home has had a complete makeover with no area left un-touched, the renovation has doubled the size of the home! Breath-taking gardens, flowering trees, and bubbling fountains welcome you. You do not want to let this private paradise pass you by. Call today!
LifeandHomes.com Watertown
$129,900 24314 NYS Rt 12 Gifford St Rd
Watertown
2 Bedrooms / 1.5 Baths
3 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41060
For more details visit www.LifeandHomes.com Type in Quick Search #33792
Christine Hogarth • 315-629-2200
Lisa Watson • 315-286-9682
Brite Orange Realty
Lic. R.E Salesperson • hogarthc4@gmail.com
Home Loan Solutions • Northern FCU • 315-771-4783
Watertown
$99,000
Watertown
$124,000
3 Bedrooms / 1.5 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41048
For more details visit www.LifeandHomes.com Type in Quick Search #41017
Ernest Scriber • 315-222-3153
Lisa Watson • 315-286-9682
Watertown
$129,800
Coldwell Banker-Rimada Realty Lic. R.E Salesperson • MLBJS5@hotmail.com
Home Loan Solutions • Northern FCU • 315-771-4783
Watertown
$119,900
16572 Jacobs Road
1165 Academy Street
3 Bedrooms / 2.0 Baths
3 Bedrooms / 1.5 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41036
For more details visit www.LifeandHomes.com Type in Quick Search #41016
Doris L. Olin • 315-783-0241
Lisa Watson • 315-286-9682
Coldwell Banker-Rimada Realty Lic. R.E Associate Broker • dolin@gisco.net
Watertown
Coldwell Banker-Rimada Realty Lic. R.E Salesperson • MLBJS5@hotmail.com
Home Loan Solutions • Northern FCU • 315-771-4783
$298,800
Home Loan Solutions • Northern FCU • 315-771-4783
Watertown
$23,000
22040 Lane Road
17643 Us Rt 11 23 High View Terrance
4 Bedrooms / 3.5 Baths
2 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41037
For more details visit www.LifeandHomes.com Type in Quick Search #41021
Doris L. Olin • 315-783-0241
Lisa Watson • 315-286-9682
Coldwell Banker-Rimada Realty Lic. R.E Associate Broker • dolin@gisco.net
Watertown
Coldwell Banker-Rimada Realty Lic. R.E Salesperson • MLBJS5@hotmail.com
Home Loan Solutions • Northern FCU • 315-771-4783
$85,000
Home Loan Solutions • Northern FCU • 315-771-4783
Watertown
933 Superior
$117,500 531 Hamlin St - multi family
3 Bedrooms / 1.0 Baths
4 Bedrooms / 3.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41064
For more details visit www.LifeandHomes.com Type in Quick Search #33955
Frank Roberts • 315-788-6176
Joan Gerni • (315) 782-4476
Coldwell Banker-Rimada Realty Lic. R.E Salesperson • frobert2@twcny.rr.com
Home Loan Solutions • Northern FCU • 315-771-4783
Northern New York
Lic. R.E Salesperson • MLBJS5@hotmail.com
Home Loan Solutions • Northern FCU • 315-771-4783
2 Bedrooms / 1.0 Baths
Home Loan Solutions • Northern FCU • 315-771-4783
Jenn's Property Management Year Round Management Services I Can Handle it All, From Move In to Move Out Credit Checks, Tenant Issues, Emergencies 24 Hour Maintenance Available 10 Years Experience Dependable
■
Coldwell Banker-Rimada Realty
141 Francis
Lic. R. E. Salesperson • escribner@realtyusa.com
L i f e and H o m e s
$219,000
13115 County Rt 156
243 Wyoming Ave.
Christensen Realty USA
Contact Jenn 315-649-2709 • jennpropmgmt@gmail.com 14
Your All Inclusive Home Directory
We b r i n g p e o p l e a n d h o m e s t o g e t h e r .
NNY Homes
Broker/Owner • jsgerni@nnyhomes.com
Home Loan Solutions • Northern FCU • 315-771-4783
Attention Homeowners
Your All Inclusive Home Directory Watertown
LifeandHomes.com Watertown
$125,000
$69,900
732 Coffeen Street
395 Moffett
3 Bedrooms / 1.5 Baths
3 Bedrooms / 1.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #33956
For more details visit www.LifeandHomes.com Type in Quick Search #33834
Joan Gerni • (315) 782-4476
Randy Raso • 315-786-7276
NNY Homes
Raso Real Estate LLC
Broker/Owner • jsgerni@nnyhomes.com
Lic. R.E. Salesperson • razman21@msn.com
Home Loan Solutions • Northern FCU • 315-771-4783
Watertown
Home Loan Solutions • Northern FCU • 315-771-4783
Watertown
$249,000
$120,000
313 Ten Eyck St
24631 Porter Road
4 Bedrooms / 2.5 Baths
4 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #33960
For more details visit www.LifeandHomes.com Type in Quick Search #33853
Joan Gerni • (315) 782-4476
Nancy Rome • 315-493-2134
NNY Homes
Rome RSA Realty L.L.C.
Broker/Owner • jsgerni@nnyhomes.com
Lic. R.E. Broker/Owner • nrome@twcny.rr.com
Home Loan Solutions • Northern FCU • 315-771-4783
Watertown
Home Loan Solutions • Northern FCU • 315-771-4783
Watertown
$549,000
$69,000
22195 Swan Road
25752 Middle Road
4 Bedrooms / 3.0 Baths
2 Bedrooms / 1.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41043
For more details visit www.LifeandHomes.com Type in Quick Search #33774
William Leepy • 315-782-4476
Nancy Rome • 315-493-2134
NNY Homes
Rome RSA Realty L.L.C.
Lic R.E Associate Broker • wleepy@nnyhomes.com
Lic. R.E. Broker/Owner • nrome@twcny.rr.com
Home Loan Solutions • Northern FCU • 315-771-4783
Watertown
Home Loan Solutions • Northern FCU • 315-771-4783
Watertown
$92,900
$99,800
589 West Prospect
911 Bronson
4 Bedrooms / 2.0 Baths
2 Bedrooms / 1.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #33791
For more details visit www.LifeandHomes.com Type in Quick Search #33852
Randy Raso • 315-786-7276
Nancy Rome • 315-493-2134
Raso Real Estate LLC
Rome RSA Realty L.L.C.
Lic. R.E. Salesperson • razman21@msn.com
Lic. R.E. Broker/Owner • nrome@twcny.rr.com
Home Loan Solutions • Northern FCU • 315-771-4783
Watertown
Home Loan Solutions • Northern FCU • 315-771-4783
Wellesley Island
1141 State Street
$150,900
$215,000 46919 County Route 100
4 Bedrooms / 2.0 Baths
3 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #33684
For more details visit www.LifeandHomes.com Type in Quick Search #33523
Randy Raso • 315-786-7276
Deborah Schaefer • 315-836-3578
Raso Real Estate LLC
Front Porch Realty
Lic. R.E. Salesperson • razman21@msn.com
LIc. R.E. Broker • debbie@thousandislandhomes.com
Home Loan Solutions • Northern FCU • 315-771-4783
James Wiley
Home Loan Solutions • Northern FCU • 315-771-4783
We would like to thank everyone for a wonderful year in Real Estate!
Licensed R.E. Assoc. Broker Bowes Realty
315 493 2134 located at 11006 State Rte 26, Carthage, NY
Phone: 315-375-7860 Email: rvarley@garlockrealty.com www.Life and Homes .com
15
L i f e and H o m e s
ROME RSA REALTY LLC
I consider this region an excellent place to reside and would love to share with you my enthusiasm for the many neighborhoods that encompass it. I pride myself on providing unparalleled service and look forward to developing a long-term relationship with you. I am also an Accredited Staging Professional TM able to advise you on preparing your home to sell quickly and for top dollar.
■
Bowes Realty: 315-686-3315 Phone: 315-778-1360 Email: jameslwiley@tds.net
Welcome home the 3rd BCT from Afghanistan and the Apache Unit to Fort Drum
Licensed Associate Real Estate Garlock Realty Broker
March
Bowes Realty is the oldest active Real Estate Agency in the Thousand Islands Area.
If you are thinking of listing your home or want to buy please feel free to call us at 315-493-2134, we are full time Realtors and available 7 days a week.
Ruth Varley
mortgageCorner
Too Much House?
By Dave Ramsey
First, let me tell you that mortgage debt is the only kind of debt I don’t yell about. I don’t borrow money - ever. But, I know most people won’t do the “100% Down Plan” when it comes to buying a home. So what are your options? For those of you who are in debt (which is most of you), let me tell you what Sharon and I did. Nearly 20 years ago my wife, Sharon, and I hit the financial bottom because of our debt. We did an unpopular thing to help turn things around. After years of marriage and owning hundreds of pieces of real estate, we became renters. Normal mindset is that you should buy and not rent but remember normal is broke. All these years later, I can see that that was probably THE best sacrifice we made. We were able to pay off our debts and save money for a house.
L i f e and H o m e s
■
Northern New York
Although that’s the smartest and safest route, if your heart is set on buying a home you can still do it wisely. But if you can’t pay cash for a house in full, how do you figure how much house is too much? Take some time to sit down and do the math. Your mortgage payment should not be more than 25% of your take-home pay and you should get a 15-year or less fixed-rate mortgage. Notice I said a 15-year mortgage, not 30. Don’t be tempted by the smaller monthly payments of a 30-year mortgage. The truth is 30-year mortgages are for people who enjoy being in debt so much they want to extend it for 15 more years and pay thousands of dollars more in interest for the privilege! Now, you can probably qualify for a much larger loan than what 25% of your take-home pay would give you. But it’s really not wise to spend more on a house because then you will 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 .
be what I call “house poor.” Too much of your income would be going out in payments, and it will put a strain on the rest of your budget so you wouldn’t be saving and paying cash for furniture, cars and education.
Dave Ramsey is a personal money management expert, an extremely popular national radio personality and best-selling author of The Total Money Makeover. Dave is changing the face of America by helping people get out of debt and build wealth. Ramsey exemplifies his life’s work of teaching others how to be financially responsible, so they can acquire enough wealth to take care of loved ones, live prosperously into old age, and give generously to others. Read more of what Dave has to say about real estate at www.daveramsey.com (EZinearticles.com)
The point is your house payments shouldn’t take over your budget. Don’t let your mortgage payments cause you major stress every month for years and years to come. Your dream home needs to be just that, a dream. You don’t want it turning into a financial nightmare.
A “smart home” is a home equipped with structured home wiring packages that control the home’s systems via networked technologies. Fewer than 2 percent of homeowners build a custom home; most buy an older home or select from a home builder’s menu.
FinancialPlanning
Designing a Safer, Smarter Retirement Strategy
Gary Sunada
You worked hard, saved your money, secured a company pension, built up a 401(k), and invested well. In short, you made all the right choices in planning for retirement. But that was then; this is now. The stock market's collapse since 2007 has pummeled Americans' retirement accounts, wiping out more than $3 trillion in value, by one estimate.
Facing these unnerving facts, people who once invested heavily in the stock market are now playing defense in their retirement planning. Many Americans appear to be fleeing stocks and shifting more of their nest eggs to cash and fixed-income instruments in response to the latest downturn.
If that weren't worrisome enough, retirement expenses are also growing by the year. Our life expectancy continues to increase — 77.7 years and rising, according to the federal Centers for Disease Control and Prevention2 — while the cost of living keeps going up as well. This means your retirement years are likely to be longer and more expensive than you thought.
Spreading the Wealth Most financial professionals agree that a prudent strategy for limiting vulnerability in volatile economic conditions is to spread one's assets among a range of investments with varying levels of risk. Yes, stocks may still be part of the mix, but so may bonds and fixed annuities. For people that have a “rainy day fund” with no immediate need for it - and want death protection -the answer may be life insurance. A single-premium universal life insurance policy such as New York Life Insurance and Annuity Corporation (NYLIAC)'s4 Instant LegacyTM is designed to guarantee* a financial legacy for the policyholder's heirs, generally free from federal income tax, while also providing a number of “living benefits.” One of the living benefits such policies offer is access** to your money when you need it, provided that your death benefit protection needs have decreased. In uncertain times, you may want to consider this kind of flexibility. This educational third-party article is being provided as a courtesy by Gary Sunada, Financial Services Professional, New York Life Insurance Company. To learn more about the information or topics discussed, please contact him at 315.738.2612. * Guarantees backed by the claims-paying ability of the issuer. ** A policy’s cash value may be accessed via policy loans and/or partial surrenders. Policy loans accrue interest at the current rate. Loans and partial surrenders reduce the death benefit and cash value. Policy loans and withdrawals may be subject to regular income and may carry a 10% IRS penalty tax if the policyowner is not yet 59 1/2. 1 The Urban Institute, "How Is the Financial Crisis Affecting Retirement Savings?" by Mauricio Soto, March 10, 2009, http:// www.urban.org/publications/411847.html 2 Centers for Disease Control and Prevention, "Deaths, Final Data for 2006," April 2009, http://www.cdc.gov/nchs/fastats/ lifexpec.htm 3 The New York Times, "When Nest Eggs Change Colors," by Paul J. Lim, April 4, 2009, http://www.nytimes.com/2009/04/05/ your-money/05fund.html 4 NYLIAC Instant LegacyTM is issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation), a wholly owned subsidiary of New York Life Insurance Company.
Do You Need a Will? A will is one of the most important documents you can create in your lifetime. Think of a will as the financial blueprint of the distribution of your assets after your death. Your will can clearly state who will be guardian of your minor children, who will inherit your assets, when they will inherit your assets, and any conditions that must be met for them to receive your assets. Read More
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The Sandwich Generation is the largely unheralded group of adults who find themselves raising and providing for young children while also caring and providing for aging parents. If you are a member of this generation, it might seem like there is no safe or reliable investment to protect your family and address your specific needs. But there are more options than you may realize.
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