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Life and

Homes

Headed in the Right Direction What’s not to love about May? It’s the month when everything seems to revive, come alive. May’s the time for sprucing up the lawn, putting the furniture back on the deck, cleaning the garage, tuning up the mower. You have to admit, there’s something especially exhilarating about those those first warm days and comfortable evenings. May is a “we’re not quite there, but we’re headed in the right direction” kind of month.

Buyers and sellers have their eye on the spring market, hoping April’s slight upswing continues and even escalates. With the possible exception of military members, (Tax Credit Extended for Military Members, pg 3), the first-time homebuyer tax credit has ended, leaving us to wonder how the local market will react.

A survey of real estate professionals indicates the majority, 77%, expect housing prices to remain the same - (Is It Time to Buy?, pg 4). Stable market prices and decent interest rates may help keep the real estate marketing moving forward this summer. It’s an opportune time to head out and take a look at what’s on the market.

jefferson-lewis co. NY, Edition Published By LifeandHomes, INC. Publication Franchise RMC D avid P. Lisi Corporate Editor Kim Lisi 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

This issue of LifeandHomes showcases local business services and features for sale Real Estate Marketing Consultant 315-865-5845 • David@dslisi.com listings from Realtors, Investors, For Sale By Owners, Contractors, Manufactured Home Builders, Developers, and Commercial Developers. Browse through the property listings, articles and helpful resources, then visit www.LifeandHomes.com our online, all-inclusive listing service, and use the easy search options to see even more properties.

While May gives us plenty of reasons to celebrate, there are a few days that really stand out. Mother’s Day is May 9th. If you’re fortunate enough to still have her with you, take time to honor your mother. Memorial Day, May 31, is a day set aside to remember those who have died in military service. I’ll be sending out a salute to my friend John that day. We will never forget, buddy. I hope you’ll also remember to pay tribute to our troops on Armed Forces Day, May 15th, the day we have the welcome opportunity to pay special tribute to the men and women of the Armed Forces.

i David P. Lis

Make time to remember, honor and pay tribute. It keeps us all headed in the right direction.

Or send to: LifeandHomes Magazine PO Box 18 Holland Patent, NY 13354

Account Executive DAVID P. L ISI 315-865-5845 david@dslisi.com

Regional/National Account Executive: Rob Thr ash er 315-941-3452

rob.thrasher@gmail.com

Distribution 1.888.260.3343 x2

Media Partners WWTI NEW S CHANNE L 50 myabc.50.com

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Advertising Deadline June Issue May 21 , 2010

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

315-865-5845 Fax 1-315-865-7418

Northern New York

www.LifeandHomes.com For franchise information call, 315-865-5845 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.

L i f e and H o m e s

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This information has been compiled from public records and other sources we believe to be reliable, but we make no guarantee with respect to its accuracy or completeness or the absence of restrictions on use and are not responsible for any liability, loss, or risk that subscribers may incur, directly or indirectly, from using the contents of this site.

Copyright © 2010 LifeandHomes, Inc.

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We br i n g p e o p l e a n d h o m e s t o g e t h e r .

Backyard

Summer Safety Before summer’s in full swing, make sure your backyard is ready for the season’s get-togethers and activities.

QBE Regional Senior Vice Charles Valinotti recommends:

President

* Do a deck check — Make sure your deck is secured to your home by heavy-duty steel bolts specially designed to secure wooden structures. If your deck is simply nailed or screwed on, it could pull away from the house. Treat and seal the deck if necessary. * Inspect your play area — Your backyard swing set and other playground equipment should have plenty of shock-absorbing materials — such as wood chips or sand — underneath and on the perimeter. Replenish those materials if they look skimpy. * De-clutter — Put away toys, tools and lawn equipment. * Clean before cooking — Before firing it up, give your grill and its grates a good cleaning with soapy water. * Invest in extra protection — Buy a grill pad or splatter mat to place under your grill. These naturally heat-resistant pads made of composite cement or plastic will catch grease that misses the drip pan and help prevent a flare-up. (ARA)

* Organize with boxes and colored markers.

Contact your local Two Men and a Truck moving company to purchase a variety of box sizes before you begin so you can appropriately tag and box both items that stay and those that go along the way. * Think about donating to those in need. If a garage sale isn’t of interest, consider donating to local churches or synagogues, homeless shelters or the Salvation Army.

For more moving advice, visit www.twomenandatruck.com. (ARA)

Is It Time To Buy?

A HomeGain survey conducted in March 2010 shows 77 percent of real estate professionals nationwide think home prices will either stay the same (48 percent) or decrease (29 percent) in the next six months.

Top 10 States Where Real Estate Agents and Brokers Think Home Prices Will Go Down In the Next Six Months: Minnesota (82%) Oregon (65%) Illinois (54%) Utah (50%) Michigan (42%) New Jersey (44%) Nevada (43%) Connecticut (42%) Washington (35%) New York (35%)

Mosquito Season Many regions of the country are experiencing an unusually warm and wet spring – a weather pattern that is likely to foster an earlier and more severe mosquito season, the National Pest Management Association (NPMA) warns.

The NPMA is asking homeowners to take action now to eliminate potential breeding sites for mosquitoes on or around their properties.

NPMA offers these tips to protect homeowners from mosquitoes: • Eliminate sources of stagnant water including birdbaths, “kiddie” pools, swimming pool covers, barrels, and other objects that collect water.

• Add a fountain or drip system to birdbaths and ponds on your property to keep water fresh.

• Keep windows and doors properly screened.

• Be alert when outdoors during dawn and dusk hours, when mosquito activity peaks.

• Avoid wearing loose-fitting clothing, open-toe shoes and sweet-smelling perfumes or colognes when outdoors.

• Plan ahead for spending time outdoors and wear mosquito repellant with DEET. • If you have a mosquito infestation on your property, call a pest professional for additional advice and treatment.

For more information or to find a professional in your area, please visit: www.pestworld.org. (NAPSI)

Free Delivery of LifeandHomes

Don’t miss that Special Home you’ve been looking for.

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

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L i f e and H o m e s

later in life - not to mention second marriages more often the modern dilemma is whose couch stays and tallying how many flat-screen TVs the couple has between them.

* Try your best to remove emotional attachments simply because it is yours.

Realize that the more you streamline now, the easier your move will be.

Stage Set For Early

■

Because today’s first marriages are occurring

* Go through each house together, and identify which items are duplicates. If you can legitimately use two of something in your new life, such as televisions or stereos, go ahead and keep both.

Sixty-three percent of surveyed agents and brokers indicated that their home buyer clients think homes for sale are overpriced. Seventyseven percent indicated that homeowners think their home is worth more than their agents’ recommended listing price. (www.homegain.com)

May

Tips for Combining Households

The pros at Two Men and a Truck moving company offer couples some advice for combining households:

Proper Landscaping

Reduces Cooling & Heating Costs According to the U.S. Department of Energy, the typical family spends about $1,900 a year on home utility bills. And each year, electricity generated by fossil fuels for a single home puts more carbon dioxide into the air than two cars.

Proper insulation, weather stripping, caulking and using a programmable thermostat will help save money. Trees, shrubs and plants will make a difference, too.

In fact, the government says shading from trees can reduce surrounding air temperatures as much as 9 degrees. That saves you money on your air-conditioning costs. Shrubs placed near the base of your house can lower the wind chill near your home in the winter. Trees and shrubs additionally absorb carbon dioxide and release oxygen into the air.

Things to consider: • Check with your local nursery or cooperative extension service for advice on the best trees for your home and your specific needs. For example, you shouldn’t plant an ash tree in an area that’s under quarantine from a devastating insect called the Emerald Ash Borer.

Northern New York

• Deciduous trees, the kind that have full canopies during the hot summer months, should be planted on the east and west sides of your house to help keep it cool in the summer and allow the sun to shine in the windows in the winter.

L i f e and H o m e s

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• The Department of Energy says shading your air-conditioning unit can increase its efficiency by as much as 10 percent.

• Plant trees a minimum of 10 feet from your house to prevent overcrowding or damage to your home from roots.

4

We br i n g p e o p l e a n d h o m e s t o g e t h e r .

newsShorts • Space your trees and shrubs according to what they’ll look like when fully grown, not what they look like now.

“Trees are investments that need protection from destructive insects like beetles and borers,” says Lance Walheim, Bayer Advanced™ Garden Expert and co-author of “Landscaping for Dummies.” “Preventing insect problems can save your trees and save you money in the long run.”

Bayer Advanced Tree & Shrub Protect & Feed kills insects and prevents new infestations for up to a year with just one application. It also contains a slow-release fertilizer to strengthen your tree. Be sure to read and follow all label directions. (Product not registered in Long Island, NY.) Visit BayerAdvanced.com for more tree care information and how-to videos or call (877) BAYERAG. (NAPSI)

period beginning after Dec. 31, 2008, and ending before May 1, 2010.”

Seek professional advise to assure qualification before making a purchase. (Source irs.gov)

Five “Keys” to

Homeownership 1. Obtain a credit report.

2. Establish a budget.

3. Secure a down payment.

4. Understand mortgage options.

5. Get pre-approved.

Tax Credit Extended for Military Members The first-time homebuyer credit, which required homebuyers to buy a home on or before April 30th, hasn’t ended for everyone according to the IRS. They report that, “Members of the military and certain other federal employees serving outside the U.S. have an extra year to buy a principal residence in the U.S. and qualify for the credit.

Thus, an eligible taxpayer must buy, or enter into a binding contract to buy, a principal residence on or before April 30, 2011. If a binding contract is entered into by that date, the taxpayer has until June 30, 2011, to close on the purchase. Members of the uniformed services, members of the Foreign Service and employees of the intelligence community are eligible for this special rule. It applies to any individual (and, if married, the individual’s spouse) who served on qualified official extended duty service outside of the United States for at least 90 days during the

LifeandHomes provides Free Access to

High Definition real estate Videos on Demand

Local Homes For Sale

Go to

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LH

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

MLS#S226564

Croghan

$169,900

CALLING ALL HORSE OWNERS. JERDEN FALLS STABLES is a must see. It features a 60` x 64` indoor riding arena, 6 large box stalls, 7 paddocks, 4 run in sheds, 70 x 120 outdoor riding arena, heated room in barn, 2 story large garden shed. 4 box stalls are 14` x 16` with 2 wired for video/tv camera. 2 stalls are 10` x 12` and divider comes out for foaling.

June O’Brien

MLS# S227349

Watertown

MLS#S230206

Lic RE Salesperson Coldwell Banker Rimada Realty 1063-C Arsenal Street Watertown, NY 136013313 Office: (315)788-4444 Cell: (315)778-2508 Email: june.obrien@coldwellbanker.com

Dexter

$298,300

Country living at its finest in the original Conklin Farmhouse now completely renovated while retaining the warmth and charm of some original features. 28 x 42 - 4 stall horse barn, outdoor riding arena, all on 10 ACRES..

$125,000

Charming city home featuring original woodwork and hardwood floors. Combine this with all of the recent updates: high efficiency furnace-2005, roof-2006, garage roof-2009-garage doors-2009, insulated and wired and freshly painted and this home is sure to please.

MLS# S229478

Adams

MLS# S230803

Carthage

$166,600

Kick back and relax with country living on nearly 10 level acres of prime land. Hobby farm completely ready for animals (was used for horses) pastured with approx 6 acres of electric fence (could be more) 40’x 16’barn with reinforced wood floor and frost free water line and electricity.

$224,500

Enjoy peaceful country living on 4 beautiful acres surounded by perrenial gardens. Spacious, open flowing floor plan w/vaulted ceiling in lr and woodstoves in 2 rooms (Fam rm & Lr) for cozy comfy heating.

4 bedrooms, 2 full baths, office and family room in addition to the lr, dr and kitchen.

MLS# S231897

Sacketts Harbor

$186,000

Wonderfully maintained and updated, 3 bedroom, 2 bath home in Sackets Harbor. Large living room with gas fireplace, family room, sunfilled breakfast room, first floor masterbedroom and first floor laundry. Large deck over looking beautifully landscaped lot and views of Lake Ontario.

Rimada Realty

Builder land tours Are you a builder, a buyer looking to build or just nosy?

May

Come take a tour of multiple locations offering over 300 acres in deerfield, sauquoit and Hinckley Lake. meet the owners and maybe your builder!

Builders: meet your next buyer!

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Call any time schedule your tour. schedule your tour during the work day, after hours or on the weekend.

www.Life and Homes .com

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L i f e and H o m e s

call rob: 315-235-3753

newsShorts

Help for the Remodeling Challenged Thinking of remodeling but don’t know where to start? “Whether you’re an expert do-it-yourselfer or this is your first home improvement project, the Internet can be an excellent resource,” said Danny Lipford, host of the nationally syndicated television show, “Today’s Homeowner with Danny Lipford,” and frequent contributor to “The Early Show” on CBS. “And the tools available on the Web just keep getting better and better - with educational videos, downloadable shopping lists, budget and return-on-investment calculators.”

Getting started: The ABC’s of ROI With a project as daunting as remodeling a home, sometimes the most difficult part is just getting started.

The key? Prioritizing. Start your renovation by concentrating on the rooms you use the most and offer the best return on investment (ROI): your kitchen and your bathroom.

According to Remodeling Magazine’s 2010 Cost vs. Value report, homeowners will recoup the greatest share of their costs by foregoing super-deluxe projects in favor of mid-range kitchen and bath remodels. A mid-range kitchen remodel brings an average 72.1 percent return on investment and a mid-range bathroom project has an average 71 percent cost recovery.

L i f e and H o m e s

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Northern New York

Budget-minded enhancements A “mid-range” kitchen or bath remodel sounds great on paper - but what types of projects does that really entail? Realtor magazine offers a few budgetminded enhancements to consider when remodeling: * Add or replace tile - Purchase low-cost tiles to replace a dated backsplash or add a new one. * Install granite tile instead of a slab - While granite kitchen counters are extremely popular, they can be a $5,000 upgrade. Instead, put in 12-inch granite tiles for as little as $300 in materials. You’ll get the same impact for less. * Freshen up your bathroom. This is a room that can be refreshed with little effort: try simple updates like regrouting tile or reconditioning cabinets. These small upgrades can make a big impact.

Or, if you want to tackle something a little larger nothing makes a style statement like a new bathroom faucet. The new Method bathroom collection 6

We br i n g p e o p l e a n d h o m e s t o g e t h e r .

from Moen features clean lines, soft curves and a sophisticated, modern look. And not only does the Method collection look great, but it’s eco-friendly, as well - meeting WaterSense criteria and offering 30 percent water savings, without sacrificing performance.

Planning on the World Wide Web Now that you’ve decided on the projects you’d like to undertake, it’s time to begin the planning process. Begin by looking at everything from current trends and style options to the nuts and bolts of estimated budgets and time to completion.

In the kitchen Websites like dannylipford.com are a great place to get ideas and support from fellow homeowners.

The site DIYnetwork.com gives visitors an overview of a variety of kitchen projects, with step-by-step instructions, a list of the materials needed and the products their designers recommend. And, there’s a time frame, price range and difficulty level listed for every project, helping you to choose a kitchen remodel that’s doable for you.

In the bath Moen’s website is another great resource and features many design and planning videos to help inspire homeowners. The site even offers an interactive faucet selector tool, which helps you choose the right faucet for your space. Simply answer a few questions about your decorating style, how much you’d like to spend and which finish and features are important to you. Another way to stay up to date in the remodeling world is by signing up for Moen’s At Home eNewsletter, which provides trends and ideas for your home.( ARA)

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interviewing successful people and revealing their winning strategies.

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Your All Inclusive Home Directory Brownville

LifeandHomes.com Cape Vincent

$179,900

$725,000

208 Brown Blvd

2332 Humphrey Road

3 bedrooms / 1.5 baths

4 bedrooms / 1.5 baths

For more details visit www.LifeandHomes.com Type in Quick Search #33946

For more details visit www.LifeandHomes.com Type in Quick Search #33563

Judy A. Condino, GRI • 315-405-8127

James Wiley • 315-778-1360

Condino Realty NY, LLC

Bowes Realty

Lic. R. E. Broker • jcondino@twcny.rr.com

Agent • jameslwiley@tds.net

Home Loan Solutions • Northern FCU • 315-771-4783

Home Loan Solutions • Northern FCU • 315-771-4783

Cape Vincent

$110,000 27738 Dablon Point Road

Cape Vincent

Waterfront Lot

4 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41044

For more details visit www.LifeandHomes.com Type in Quick Search #32976

Allen Walker • 315-771-8189

James Wiley • 315-778-1360

346 James Street

Bowes Realty

Bowes Realty

Lic. R.E Salesperson • Bowes@twcny.rr.com

Agent • jameslwiley@tds.net

Home Loan Solutions • Northern FCU • 315-771-4783

Cape Vincent

$239,000

Home Loan Solutions • Northern FCU • 315-771-4783

Cape Vincent

$115,000

$219,500

Dablon Point Rd. Lot A

32322 State Route 12E

Waterfront Lot

2 bedrooms / 1.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41224

For more details visit www.LifeandHomes.com Type in Quick Search #33531

Allen Walker • 315-771-8189

James Wiley • 315-778-1360

Bowes Realty

Bowes Realty

Lic. R.E Salesperson • Bowes@twcny.rr.com

Agent • jameslwiley@tds.net

Home Loan Solutions • Northern FCU • 315-771-4783

Cape Vincent

Home Loan Solutions • Northern FCU • 315-771-4783

Carthage

$135,000

$159,500

273 E James St

861 State Street

3 bedrooms / 1.5 baths

3 bedrooms / 1.5 baths

For more details visit www.LifeandHomes.com Type in Quick Search #33793

For more details visit www.LifeandHomes.com Type in Quick Search #41351

Allen Walker • 315-771-8189

George Briggs • 315-782-8498

Bowes Realty

Elliott Realty, Inc.

Lic. R.E Salesperson • Bowes@twcny.rr.com

Lic. R.E Salesperson • georgebriggsrealestate@hotmail.com

Home Loan Solutions • Northern FCU • 315-771-4783

Cape Vincent

Home Loan Solutions • Northern FCU • 315-771-4783

Chase Mills

$199,900

$149,900

221 Esselstyne Street

17 Chase Mills Rd

3 bedrooms / 3.0 baths

4 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #32949

For more details visit www.LifeandHomes.com Type in Quick Search #41404

James Wiley • 315-778-1360

Sharon Cook • 315-869-8673

Bowes Realty

Byrns Realty

Agent • jameslwiley@tds.net

Lic RE Associate Broker • cookshar@hughes.net

Home Loan Solutions • Northern FCU • 315-771-4783

Home Loan Solutions • Northern FCU • 315-771-4783

We would like to thank everyone for a wonderful year in Real Estate!

June O'Brien

Lic. R.E. Salesperson Coldwell Banker Rimada Realty

KILN DRIED cherry, walnut, maple, butternut, ash, oak, exotics and woodworking supplies

Welcome home the 3rd BCT from Afghanistan and the Apache Unit to Fort Drum

Visit our website anytime www.lakeshorehardwoods.com

266 Manwaring Road, Pulaski, NY 13142 • 315-298-6407

ROME RSA REALTY LLC

315 493 2134 located at 11006 State Rte 26, Carthage, NY www.Life and Homes .com

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L i f e and H o m e s

We Stock

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Phone: 315-778-2508 Email: june.obrien@coldwellbanker.com

hardwood flooring • stair parts • molding

May

Whether buying or selling I would be glad to assist in your real estate needs. Specializing in residential and seasonal properties. Military Relocation Specialist.

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.

LifeandHomes.com Croghan

Your All Inclusive Home Directory Harrisville

$285,000

9672 Shady Lane

$499,900 13623 French Settlement Road

3 bedrooms / 1.5 baths

4 bedrooms / 118 Acres

For more details visit www.LifeandHomes.com Type in Quick Search #41352

For more details visit www.LifeandHomes.com Type in Quick Search #41389

Carol Lehman • 315-376-6278

Linda Waring • 315-408-6835

T.L.C Real Estate, LLC

Century 21 Millennium Realty

Lic. R.E Agent • llehman001@twcny.rr.com

Lic. R.E Agent • linda.waring@century21.com

Home Loan Solutions • Northern FCU • 315-771-4783

Evans Mills

Home Loan Solutions • Northern FCU • 315-771-4783

Harrisville

$294,900

28333 Rogers Road

$190,000 7257 Bull Rock Point Road

4 bedrooms / 2.5 baths

5 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41050

For more details visit www.LifeandHomes.com Type in Quick Search #33410

Ernest Scribner • 315-222-3153

Ruth Varley • 315-375-7860

Christensen Realty USA

Garlock Realty

Lic. R. E. Salesperson • ernest.scribner@gmail.com

Lic. R.E. Salesperson • rvarley@twcny.rr.com

Home Loan Solutions • Northern FCU • 315-771-4783

Gouverneur

Home Loan Solutions • Northern FCU • 315-771-4783

Henderson

$74,500

County Rt 123

3 bedrooms / 1.0 baths

8 bedrooms / 4.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41388

For more details visit www.LifeandHomes.com Type in Quick Search #41310

Betty Bork • 315-404-8242

Tammy Queior • 315-783-5408

Century 21 Millennium Realty

Lake Ontario Realty

Licensed RE Agent • bbork@nnymls.com

Lic. R.E Salesperson • tsqueior@twcny.rr.com

Home Loan Solutions • Northern FCU • 315-771-4783

Hammond

Home Loan Solutions • Northern FCU • 315-771-4783

Hermon

$99,000

265 North Woods Road

2 bedrooms / 2.0 baths

3 bedrooms / 2.5 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41401

For more details visit www.LifeandHomes.com Type in Quick Search #41403

Linda L Love • 315-375-4486

KeithaLee M Lauson • 315-393-0640

Byrns Realty

Lic RE Associate Broker • linda@byrnsrealty.com

Lic RE Associate Broker • grealty@twcny.rr.com

Home Loan Solutions • Northern FCU • 315-771-4783

Harrisville

Home Loan Solutions • Northern FCU • 315-771-4783

Heuvelton

$35,900

177 Mitchell Road

5+ Acres

2 bedrooms / 1.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41402

For more details visit www.LifeandHomes.com Type in Quick Search #33411

Larry Boliver • 315-346-6015

Ruth Varley • 315-375-7860

Garlock Realty

Licensed RE Agent • lyboliver@frontiernet.net

Lic. R.E. Salesperson • rvarley@twcny.rr.com

Northern New York

Home Loan Solutions • Northern FCU • 315-771-4783

Home Loan Solutions • Northern FCU • 315-771-4783

Allen Walker

Lisa Watson

Licensed R.E. Salesperson Bowes Realty

Allen is a native of Watertown, NY, after four years of military service in the US Coast Guard. A homeowner in Clayton and Cape Vincent for 30 years, he is very familiar with the Lake and St. Lawrence River area.

Retired from Niagara Mohawk, Allen works his real estate career full time and is always available to be of service.

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$125,900

14138 South Shoure

Byrns Realty

L i f e and H o m e s

$350,000

536 West Shore Road

Byrns Realty

Phone: 315-771-8189 Email: bowes@twcny.rr.com

8

$499,900

120 Beckwith

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 .

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."

Q Log Homes Q Timber Frame Construction Q Fireplaces Q Basements Q Decks Q Custom Kitchens Q Additions

Q General Contracting Q Carpentry Q Plumbing Q Masonry Q Roofing Q Electrical work

START LIVING YOUR DREAM TODAY!

Call Dean Case 315-942-4949 • Cell 315-534-3319 • Fax 315-942-2527 Adirondack Builders, Inc. is an independently owned and authorized dealer/builder for Tennesee Log Homes.

Licensed Real Estate Salesperson Rimada Realty

Rimada Realty

1063 C Arsenal Street Watertown, NY 13601 (P) 315-788-4444 (F) 315-788-5235 Phone: 315-286-9682 Email: MLBJS5@hotmail.com

Alexandria Bay

Watertown

$279,000

45226 Taylor Road

919 Academy Street

5 Bedrooms / 3 Baths

4 Bedrooms / 2 Baths

1 year free home warranty included. Landscaped front and back yards, Huge back deck, firepit. entry and LR have hand scraped wood floors. LR w fireplace.

Kitchen has travertine flooring, custom cabinets, stainless appliances, tiled back splash, large center island.

Go to LifeandHomes.com and Type in QSN#41018

Watertown

$177,000

Kitchen features all new cabinets, countertops, appliances, and flooring. Mudroom at the back of the house leads to a large, completely fenced backyard. 1st floor bedroom and three nice size bedrooms upstairs.

Go to LifeandHomes.com and Type in QSN#41399

Watertown

$219,000

13115 County Rt 156

$23,000 17643 Us Rt 11 23 High View Terrance

3 Bedrooms / 2 Baths

2 Bedrooms / 2 Baths

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

Rutland

Single Wide Home in Northland estates mobile home park - lot rent approximately $360. 1991 Colony Keystone - 70 X 14. 3 storage units and a partial fenced yard area - great for kids or animals.

Go to LifeandHomes.com and Type in QSN#41021

Theresa

$124,000

$43,500

35033 Lot 923 Eddy Rd

30139 Burnash Ave

3 Bedrooms / 2 Baths

3 Bedrooms / 1 Bath

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

The modern kitchen offers new flooring and plenty of cabinet and counter space. off of the sliding glass door of the living room - there is a screened back porch that looks out into the backyard which offers a nice size yard and partial wooded area.

Go to LifeandHomes.com and Type in QSN#41398

Lisa Watson Lic RE Salesperson

Rimada Realty

Coldwell Banker Military Markets Specialist

1063 C Arsenal Street Watertown, NY 13601 (P) 315-788-4444 (F) 315-788-5235

(P) 315-286-9682 (E) MLBJS5@hotmail.com (W) softmls.com/realtorwatson

Thousand Island Area Property $595,000 • Rock Baie Road • Wellesley Island Looking for the perfect family compound? The great get-away has much to offer! The main house is year around and has two bedrooms and features an open floor plan. The kitchen-living area is a great room that has a tongue and groove cedar ceiling with recessed lighting and skylights. There is plenty of room for guests in the four bedroom, one bath guest house, and a one or two bedroom studio apartment with a bath over the heated garage. On the large deck overlookingthe Lake of the Isles is the lakehouse, an enclosed three season space with a gas fireplace and air conditioning. All this on 114’of waterfront on the Lake of the Isles with dockage too!

$225,000 • Log Hill Road • Alexandria Bay

$125,000 • Orleans Ave • Fishers Landing

www.Life and Homes .com

9

L i f e and H o m e s

Immaculate mobile with 12 X 12 dining room addition with a view the St. Lawrence River.

Custom kitchen new in ‘08, new windows and 3 decks (2 covered). Use of riverfront for fishing and swimming and you can pull a small boat up on shore. Marinas nearby for dockage. Large lot and a detached garage plus a storage shed for all you lawn equipment. Well maintained and ready for you. The taxes are cheaper than most mobile home parks.

■

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

May

Deborah Schaefer, GRI, CBR Broker Owner

Private get-away in the woods! This log sided home has three gas fireplaces, decks that put you in the treetops, and a hot tub on the main deck. The walkout basement has a bedroom w/bath that opens out into a mudroom and an attached heated garage. The master bedroom/loft overlooks the great room below. One room is ideal for a home office and there is a possible fourth bedroom above that. There is storage galore in the house and two additional garage/storage buildings outside. One building has a cedar lined loft. Move into your sanctuary in the woods.

Only minutes from Alex Bay and the river and 30 min to Ft Drum.

Charming Victorian Home 208 Brown Blvd Brownville, nY 13615

$179,900

if you saw this before, you need to look again...you will love the improvements including new carpet, refinished floors, new door and window casings. new coat closet and pantry for kitchen. first floor is 99% complete. Completion of the huge upstairs bath almost completed.

This large 3 bedroom home is located next to the Historical Brown mansion in Brownville, nY close to Watertown and fort drum. This large home has wonderful natural lighting in almost every room...great for those dreary winter days. The basement has the potential of at least two more bedrooms. Call for your appointment!

judy A. condino, Gri

Licensed Real estate Broker 1035 B Coffeen street Watertown, new York 13601 www.condinorealty.com Cell: 315-408-5968 jcondino@twcny.rr.com

office: (315) 405-8127

GArLoCKrEALtY Alexandria Bay

$650,000

45981 Wade St

Northern New York

This is a solid investment, a one of a kind waterfront property. This year-round home has been totally renovated from top to bottom. The home is finished with quality materials and workmanship,and remains neutral in color ready for your individual taste.

Alexandria

$675,000

20958 Point Vivian Rd

one of the longest, privately owned stretches of river property on the mainland. This main channel cottage is nestled on 1.17 acres and features 2 BR/1 Ba, open floor plan, original stone fireplace, bunkhouse for guests, 2-stall garage and the most wonderful enclosed front porch.

Jennifer Hebert Lic RE Associate Broker jen@garlockrealty.com • 315-396-2065

Cathy Garlock Lic RE Salesperson cgarlock@garlockrealty.com • 315-486-4944

Orleans

Alexandria

$199,900

45322 Duckaway Island

Private island with 2 bedroom cottage, stone fireplace, new septic and plenty of deep water dockage.

$799,000

21061 Point Vivian Rd

Gorgeous grounds & well maintained home located on private parcel. This waterfront home features 4 BR/2 Ba, modern kitchen, formal dining, fireplace and panoramic main channel views.

Cathy Garlock

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L i f e and H o m e s

9 Washington Street Alexandria Bay, NY 13607 Office: 315-486-4944 GarlockRealty.com

Jennifer Hebert Lic RE Associate Broker jen@garlockrealty.com • 315-396-2065

Lic RE Salesperson cgarlock@garlockrealty.com 315-486-4944

Alexandria

Alexandria

$109,900

42 Anthony St

This home displays ultimate pride of ownership, There is not a thing left to be done. just bring your furnishings and you`re all set. With tastefully painted walls, newly laid carpets, and sun filled rooms, what a delight!

Jennifer Hebert Lic RE Associate Broker jen@garlockrealty.com • 315-396-2065

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 .

$479,000

44812 Co. Rt. 100-A

MaJeSTIC RIVeR LoFT oN WeLLeSLeY ISLaNdWell maintained main channel river home situated on private 1.2 acres w/123 ft. of pristine waterfront. Features 3 BR/3 Ba open floor plan, cathedral ceilings, formal dining room, wraparound deck and 2-stall garage w/workshop area.

Cathy Garlock Lic RE Salesperson cgarlock@garlockrealty.com • 315-486-4944

Residential • Commercial • Waterfront • Property Management

call to sell or Buy a Home today!

315.681.6914 www.aare.biz

Veteran Owned and Operated in the Heart of the Village of Black river MLS#S230990

MLS#S230491

MLS#S230417

“I want to earn your trust and be YOUR REALTOR for life!”

Pinckney

2020 County Route 194 3 Bed/ 2 Bath 1,680 sq ft

R DE UN

CT RA NT O C

$159,900

Rutland

31120 NYS Rte 3 3 Bed 2,100 sq ft

MLS#S230511

$239,900

Wilna

22216 Boyd Rd 2 Bed/ 1 Bath 720 sq ft

MLS#S230427

$79,900

MLS#S232475

May

315.408.8246

Carthage

2020 County Route 194 4 Bed/ 2 Bath 1,980 sq ft

$89,900

Watertown Burlington Vacant Lot

$4,000

Watertown

Factory St Commercial Mixed or Industrial 100,024 sq ft

$1,500,000

102 S. Main St, Black River, NY 13612 • 315.681.6914

www.Life and Homes .com

11

L i f e and H o m e s

Broker/ Owner

■

james conlin

PRIME PROPERTIES St Lawrence River - 1000 Islands Waterfront Condos with Boat Slip

New Construction Starting at

$184,000

Ground-Middle-Penthouse Levels still available, All with Waterfront Views!

Each 1100 sq ft unit features 2 bedrooms, heat, central air, fully applianced kitchen, washer & dryer, fireplace, carport, and boat slip.

Only 9 Units Remaining! Dockside Resorts, Morristown, NY Conveniently Located between Alexandria Bay & Ogdensburg, NY

See more photos at www.26docksidedrive.com

BowEs rEALtY, LLC

Bowes Realty LLC

Northern New York ■

L i f e and H o m e s

George: 315-771-6543 Miriam: 315-771-6542 E- Bowes@twcny.rr.com W - www.BowesRealty.com

$123,500

Log Hill Rd, Alexandria

$325,000

Lovely home, hardwood floors throughout except linoleum in kitchen & baths & Berber carpet on stairway & in master bedrm. Open stair-way, propane fp in living room, separate laundry room could be 4th bedroom. Modern kitchen, glass enclosed front and back porches. Work bench in basement & garage. Chain link fence on part of property provides large exercise area for pets. MLS # S225111

Lovely log home with 10 acs expertly built and includes ceramic tile, carpeted floors, majestic 2 story brick fireplace, cathedral ceiling, open stairway to 2nd. floor, large rooms, beautiful kitchen with Jenn-air range, grill and central air.

Master bedroom has att. full bath with whirlpool tub and shower. There’s a large back deck, steel pole barn, storage shed plus a circular drive. Minutes to the St. Lawrence River, Alex Bay and bridge to Canada.MLS # S225672

Hilltop Lane, Clayton

James St, Clayton

$134,900

Fulton St, Antwerp

$75,500

$108,500

Landscaped doublewide has a nice water view of the St. Lawrence River Main Channel and is located on a quiet road just off the Clayton-Alex Bay Rd. It has a large back deck with awning, propane fireplace, formal dining rm, living rm with built in book cases, family rm, large bedrooms, and it comes furnished. Cable is available too.

MLS # S225711

Ridge Road., LaFargeville

$295,000

Hobby farm of 317 acs on dead end road consists of a nice doublewide home with a 10x32 back deck,pole barn, horse barn, underground utilities, a spring fed pond,sugar bush, two beaver ponds,a hunting camp, 80,000 White Pine trees.

Also includes a separate parcel of underwater rights to part of the Chaumont River from Depauville going up river for approx. a mile. Rights extend to the high water mark and is useful for trapping or fishing. MLS# S226239

12

315.796.2830

George & Miriam Bowes

40219 NYS RT 12 Clayton NY 13624 P: 315-686-3315 F: 315-686-5068

Second St., Alexandria

Debbie Roberts

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 .

Completely updated Clayton village home has large back deck with hot tub. Four nice sized bedrooms, 1 1/2 new baths, modern kitchen, formal dining rm., large living rm., close to stores, school and churches. Located in resort village on the St. Lawrence River, easy drive to Ft. Drum or Watertown.

MLS# S226171

Large 4 bedroom home with large living room and wrap around glass enclosed porch. Located on quiet neighborhood street in Jefferson County.

MLS# S229427

Your All Inclusive Home Directory Le Ray

LifeandHomes.com Natural Bridge

$399,000

$68,400

Elm Ridge Road

27585 Depot - 2 Unit

79+ Acres

6 bedrooms / 2.5 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41214

For more details visit www.LifeandHomes.com Type in Quick Search #41051

Anthony Pisarski • 315-783-6917

Nancy Rome • 315-493-2134

Elliott Realty, Inc.

Rome RSA Realty L.L.C.

Lic R.E Associate Broker • tpisarski@nnyonline.net

Lic. R.E. Broker/Owner • nrome@twcny.rr.com

Home Loan Solutions • Northern FCU • 315-771-4783

Lyme

Home Loan Solutions • Northern FCU • 315-771-4783

Ogdensburg

$159,000

$419,000

8648 Lotts Point Rd

10123 S.H. 37

2 bedrooms / 1.0 baths

5 bedrooms / 3.5 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41311

For more details visit www.LifeandHomes.com Type in Quick Search #41400

Amanda Miller • 315-639-6180

Linda L Love • 315-375-4486

Lake Ontario Realty

Byrns Realty

Lic. R.E. Broker • lakeontariorealty@yahoo.com

Lic RE Associate Broker • linda@byrnsrealty.com

Home Loan Solutions • Northern FCU • 315-771-4783

Home Loan Solutions • Northern FCU • 315-771-4783

Morristown

$295,000 77 Blackstone Bay Rd Waterfront

Rutland

8 Acre Parcel

3 bedrooms / 1.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41085

For more details visit www.LifeandHomes.com Type in Quick Search #41398

Carol Adler • 315-786-6666

Lisa Watson • 315-286-9682

Century 21 Millennium Realty

Coldwell Banker-Rimada Realty

Lic. R.E Salesperson • gcadler@northnet.org

Lic. R.E Salesperson • MLBJS5@hotmail.com

Home Loan Solutions • Northern FCU • 315-771-4783

Morristown

$124,000

30139 Burnash Ave

Home Loan Solutions • Northern FCU • 315-771-4783

Syracuse

$200,000

39 McEwen Rd

Custom Built Homes

199 Feet of Water Frontage

Post & Beam

For more details visit www.LifeandHomes.com Type in Quick Search #33160

For more details visit www.LifeandHomes.com Type in Quick Search #33356

Ruth Varley • 315-375-7860

Al Roy • 315-458-4256

Garlock Realty

Custom Home Masterpieces, Inc.

Lic. R.E. Salesperson • rvarley@twcny.rr.com

0 • alroy@twcny.rr.com

Home Loan Solutions • Northern FCU • 315-771-4783

Morristown

Home Loan Solutions • Northern FCU • 315-771-4783

Theresa

$195,000

$49,000

26 Dockside Drive - Waterfront Condo

31529 Boat Launch Road

2 bedrooms / 1.0 baths

5+ Acres

For more details visit www.LifeandHomes.com Type in Quick Search #41397

For more details visit www.LifeandHomes.com Type in Quick Search #41383

Debra Roberts • 315-796-2830

Katharine Dickson • 315-783-2104

Coldwell Prime Properties

Front Porch Realty

Lic RE Associate Broker • debra.roberts@coldwellbankerprime.com

Licensed R.E. Agent • kdicksonfrontporch@gmail.com

Home Loan Solutions • Northern FCU • 315-771-4783

Jenn's Property Management

Home Loan Solutions • Northern FCU • 315-771-4783

Attention Homeowners May

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

315-649-2709 • jennpropmgmt@gmail.com

www.Life and Homes .com

13

L i f e and H o m e s

Contact Jenn

LifeandHomes.com Theresa

$129,900

4 bedrooms / 2.0 baths

4 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41309

For more details visit www.LifeandHomes.com Type in Quick Search #41399

Amanda Miller • 315-639-6180

Lisa Watson • 315-286-9682

Home Loan Solutions • Northern FCU • 315-771-4783

Three Mile Bay

$119,000

Lic. R.E Salesperson • MLBJS5@hotmail.com

Home Loan Solutions • Northern FCU • 315-771-4783

Watertown

$269,900

255 Paddock Street

2 bedrooms / 1.0 baths

3 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #33183

For more details visit www.LifeandHomes.com Type in Quick Search #41215

James Wiley • 315-778-1360

Anthony Pisarski • 315-783-6917

Agent • jameslwiley@tds.net

Watertown

Elliott Realty, Inc.

Lic R.E Associate Broker • tpisarski@nnyonline.net

Home Loan Solutions • Northern FCU • 315-771-4783

$125,000

Home Loan Solutions • Northern FCU • 315-771-4783

Watertown

$139,900

Bronson Street

348 S Hamilton

2 Family + Single Family

3 bedrooms / 1.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41382

For more details visit www.LifeandHomes.com Type in Quick Search #41303

Katharine Dickson • 315-783-2104

Nancy Rome • 315-493-2134

Front Porch Realty

Licensed R.E. Agent • kdicksonfrontporch@gmail.com

Home Loan Solutions • Northern FCU • 315-771-4783

Watertown

$49,800

Rome RSA Realty L.L.C. Lic. R.E. Broker/Owner • nrome@twcny.rr.com

Home Loan Solutions • Northern FCU • 315-771-4783

West Carthage

$149,800

928 Riggs Ave

41 Champion

3 bedrooms / 2.0 baths

4 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41391

For more details visit www.LifeandHomes.com Type in Quick Search #41301

Doris L. Olin • 315-783-0241

Nancy Rome • 315-493-2134

Coldwell Banker-Rimada Realty Lic. R.E Associate Broker • dolin@gisco.net

Home Loan Solutions • Northern FCU • 315-771-4783

Watertown

$139,800

Rome RSA Realty L.L.C. Lic. R.E. Broker/Owner • nrome@twcny.rr.com

Home Loan Solutions • Northern FCU • 315-771-4783

Wilna

$74,900

1029 Gill Street

23711 Staie Rd

3 bedrooms / 1.5 baths

1 bedrooms / 1.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41390

For more details visit www.LifeandHomes.com Type in Quick Search #41302

Doris L. Olin • 315-783-0241

Nancy Rome • 315-493-2134

Coldwell Banker-Rimada Realty Lic. R.E Associate Broker • dolin@gisco.net

Home Loan Solutions • Northern FCU • 315-771-4783

Northern New York

Coldwell Banker-Rimada Realty

6921 Failing Shores

Bowes Realty

■

$177,000

919 Academy Street w

Lic. R.E. Broker • lakeontariorealty@yahoo.com

L i f e and H o m e s

Watertown

109 High Street

Lake Ontario Realty

Rome RSA Realty L.L.C. Lic. R.E. Broker/Owner • nrome@twcny.rr.com

Home Loan Solutions • Northern FCU • 315-771-4783

Ruth Varley

James Wiley

Licensed Associate Real Estate Garlock Realty Broker

Licensed R.E. Assoc. Broker Bowes Realty

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 is the oldest active Real Estate Agency in the Thousand Islands Area.

Phone: 315-375-7860 Email: rvarley@garlockrealty.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 .

Bowes Realty: 315-686-3315 Phone: 315-778-1360 Email: jameslwiley@tds.net

Sylvia De Vita Lic R.E. Salesperson

315-778-7381

www.sylvia.exitmorerealestate.com sdevita@exitmore.com

Are you looking to BUY or SELL your home?

Log onto www.sylvia.exitmorerealestate.com to view properties in our area

Evans Mills

Watertown

$32,000

Lot for Sale

4 Bedrooms/2Baths

Vacant!!! Ready for a new family. Many recent upgrades!

New carpet and flooring with updated kitchen and bathrooms, appliances included. Huge laundry room with washer and dryer. Within walking distance to downtown and minutes to Fort Drum. This house is bigger than it looks!! The eat-in kitchen leads to the back porch. Three nice size bedrooms. 2 car gargage with one side used as a heated WORKSHOP!

2 Beautiful Spacious lots near Fort Drum. These are Lots 1 & 2 in a series of 5. This lot is on a paved road with Ft. Drum across the street. Quiet and secluded. 5+ Acres.

Evans Mills

Theresa

$45,000

Lot for Sale

3 Bedrooms/2 Baths

$232,000

Beautiful home tucked away in a wooded 1.74 acre lot near Fort Drum,Watertown and the Thousand Island Region.

Master bedroom has a walk-in closet and its own full bath.

The open kitchen features ceramic tile that leads to the dining area and has access to the huge 2 stall attached garage. The front full length covered porch is perfect for entertaining!

Perfect building lot minutes to Fort Drum off of Route 11. Electric already in place! Zoned for commercial or residential. This property is a must see 5+ acres!

Byrns Realty

$140,000

Five offices now serving the entire North Country.

New offices in Waddington and Ogdensburg!

Bradley J. Burns

Lic. Real Estate Broker/Owner

315-287-1789 Gouverneur Office 315-393-0640 Ogdensburg Office 315-322-4524 Waddington Office 315-493-7653 Carthage Office 315-848-2323 Star Lake Office S.H. 37 , Ogdensburg

South Shoure, Harrisville

$35,900

Located just a few hundred feet from your own personal deck is 5.4 acres priced to sell. This property has a great spot already cleared to build your dream home or summer cottage, and there is a well on the property. The road is plowed in the winter for year round access. QSN #41402

$419,000

North Woods Road, Hermon

$350,000

ATTENTION NATURE LOVERS! This is the most UNIQUE home you`ll ever find. This solar home is a ONE OF A KIND! The design and construction is unequaled. The windows are all triple pane and the views are magnificent. The counter tops and some floors are uniquely designed concrete.

The staircase as well as this entire home is constructed from local trees. QSN #41403

West Shore Road, Hammond

Chase Mills Rd, Chase Mills

$99,000

May

3-5 bedroom, 3 1/2 bath custom built home on the St. Lawrence River. The home sits on approximately 2 acre lot w/200 ft. water frontage. Main level includes kitchen w/eating area, family room w/fireplace, formal dining room, 1/2 bath, laundry room, master bedroom w/jacuzzi, and 3 car garage.

Upper level has 2 bedrooms, full bath, and spacious bonus room over garage. QSN #41400

$149,900

■

GREAT LOCATION, this house has 520`of river frontage on the Grasse River and 5 acres of private wooded land. Simply take a short walk through the woods to the river and sit in the screened in gazebo and enjoy the view or go down the stairway to fish, swim or kayak. At night have friends over for a campfire by the river. QSN#41404

www.ByrnsRealty.com

www.Life and Homes .com

15

L i f e and H o m e s

Exceptional ranch home on Pleasant Lake. Completely renovated, new carpet and painted throughout. Open floor plan. Knotty pine cathedral ceilings. Four sets of french doors lead to huge deck, views of lake and sunsets. Master BR w jacuzzi, full bath. QSN #41401

mortgageCorner

No Closing Cost Mortgage Refinance Attractive But Dangerous When you come to a decision that you want to refinance your loan, usually there are many fees you have to pay.

Closing costs are at times very hard to afford and can be avoided, but there is a down side - Interest will go up. There are ways to get a no fee mortgage refinance.

Why would anyone do that? If you want to flip your house (buy a house with a relatively low interest rate, hold it for a short period of time and re-sell it), or If you simply don’t think you would still own this house in 5 years or so - it might be valuable for you.

L i f e and H o m e s

■

Northern New York

No closing cost can be attractive but also dangerous; Mortgage refinance without closing cost can help you avoid fees like title insurance, escrow charges, recording fees, appraisal costs, broker fees and more, but you will still have to pay insurance, interest, and all applicable taxes.

Online there are different websites that have a kind of calculator that can help you find out whether mortgage refinance with no closing costs is a smart choice, or if you break even or lose any money taking this mortgage over other.

The calculators do this by finding out how much you would pay with the mortgage refinance with no closing cost every month for the length of the loan and contrast it to the cost of getting a loan with closing fees plus the closing fee itself.

At this point it subtracts one from the other and comes up with an amount of months that is called your break even point.

If you think you’ll still own the house after this period of time - taking a no closing cost mortgage doesn’t pay off. At that point it is better for you to pay the closing costs and save money later on, than doing what you think is saving you money but actually will bring you losses in the future.

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 .

By William Gold

If you do the math you realize that if you’re keeping the house for 5 years or less it is worth getting a noclosing-cost. If you keep it for a longer period than that, you lose the advan tages of the refinancing with no closing costs, and actually start losing money.

When looking for a loan, check all types of mortgages available and find the one that fits you the best. Make sure you check the interest rate, whether it’s a fixed or variable rate, if it has closing fees and what those fees are.

Author William Gold has done extensive research on mortgage refinance no closing cost and no cost mortgage refinance. www. approveall.com (Source: bestmanagementarticles.com )

FinancialPlanning After a Loss: Managing a Loved One’s Affairs and Your Inheritance Gary Sunada

Replace lost income to pay off debts, final expenses and protect the lifestyle for the people you love in the event of the unexpected You've just lost someone close to you, and it's a difficult, stressful time.

You're grieving, yet there's so much to do: funeral arrangements to make, family to care for. And as painful as it may seem, there is also urgent business concerning your finances. Here's a checklist, by no means complete, to help you get started:

• Contact your loved one's places of employment. Find out whether he or she was covered by employee group insurance. You should also ask about any pension benefits, accrued vacation or sick pay, and credit union accounts.

• Contact any unions and service or professional organizations your loved one belonged to. You might be eligible for benefits through these groups.

• Gather your loved one's bills. Some loans and service contracts are covered by credit life insurance that pays off the balance in the event of a customer's death.

Security for Your Future If you've been left a significant inheritance, you face further decisions for the long term. Some people choose to use a small part of the money to pay debts, or buy something they might not otherwise be able to afford.

Keep in mind, though, that your loved one probably intended to provide security for your future as well. After your loss, other family members may be even more dependent on you. You may decide to use your inheritance to provide security for them, just as it was provided for you.

Life insurance can play an important role. A single premium policy can guarantee* your heirs a financial legacy that's generally free from federal income tax. Life insurance can also offer living benefits, like the option of borrowing against a policy's value.** Life can change swiftly and unpredictably, so it's always wise to have your affairs in order. The best time to make arrangements for tomorrow is today.

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 tax and may carry a 10% IRS penalty tax if the policyowner is not yet 59½.

What Life Expectancy Means to Retirement Planning The toughest question to answer when planning for retirement is, How long will I need the money? The truth is: no one knows for sure. If you have heard of life expectancy estimates but are not quite sure what they represent and what that means for your future, read on.

Read More

(Read Complete Article at: www.LifeandHomes.com/nny. Click on Financial Planning tab at

top of page.

May ■

Designing a Safer, Smarter Retirement Strategy

Read More

(Read Complete Article at: www.LifeandHomes.com/nny. Click on Financial Planning tab at

top of page.

www.Life and Homes .com

17

L i f e and H o m e s

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.

Home service network

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counties. FHA approved. Over 35 years experience. Call today.

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Energy

WWTI NEWS WATCH 50 315-785-8850 Station:WWTI-ABC 50 Member Since 09/09

Website: www.myabc.50.com

Insurance

ENERGY & INSULATION SOLUTIONS 315-285-5074 Serving all of the North Country. From the

ASSOCIATED INSURANCE 315-387-5321 Specializing in home, auto, business, life, boats,

Member Since 04/10

Member Since 04/08

Adirondacks to Lake Ontario.We come to you!

ALL STATE 315-779-1990

Excavating BACH & CO 315-686-3083 Member Since 04/08

Excavation, site work, septic systems, complete manufactured home set-up, shorewells, docks, sand and gravel delivery.

Member Since 08/08

cycles, RV, and snowmobiles.

Meeting all of your insurance needs. Call today for information and questions.

Interior Design TASTE OF DESIGN 315-654-2007 From small residential touchups to full scale

APPRAISAL USA Quality Appraisals at a fair price! Call today 315-482-9076 Member Since 08/08

TV Station

Member Since 08/08

for a fast and friendly service.

commercial makeovers, call today or visit us on the web at www.designwithgoodtaste.com

Heating & Central Air Closets THE HEARTH SHOP @ UNIV. BLDG SUPPLY 315-337-3340 Easy Track Closet Systems - Estimates, Design, 315-732-2350 Installation.The More Economical, Easy InstallaMember Since 02/08

Northern New York

BACH & CO 315-686-3083

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L i f e and H o m e s

Carpentry, plumbing, electrical, decks, garages, boat houses, remodel cottage openings closings.

24/7 on call service.

Custom Home Builder BATTLEFIELD COMMONS/ SACKETS MEADOWS 315-646-2220 Serving NNY. For more information visit www.

Member Since 09/08

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Member Since 03/07

Gas, oil, propane, boilers, water heaters, fireplaces, central air conditioners.

Manufactured Homes WALKER’S MANUFACTURED HOUSING 315-788-1243 Serving NNY. Specializing in modular homes, Member Since 04/08

tion System on the Market.

Contracting Member Since 04/08

COMBS HEATING & AIR CONDITIONING 315-782-8067 Serving NNY.We service and repair all brands-

battlefieldhome.com or www.sacketsmeadows. com

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 .

Home Inspection LAKE ONTARIO HOME INSPECTION Buy with confidence! Call or email Tim today for 315-783-0207 Member Since 08/08

your home inspection needs. tbion@twcny.rr.com

CLAYTON HOME INSPECTION Serving the Tri-County area. Complete home 315-783-2432 Member Since 08/08

inspections • radon testing • water testing • lead testing.

manufactured homes, land/home financing packages, transportation of individual homes, awning sales and much more.

Mortgages NORTHERN FEDERAL CREDIT UNION 315-771-4783 Serving the home lending needs in Jefferson, Member Since 09/09

Lewis, & southern St. Lawrence counties. An Equal Housing Lender NCUA

Pest Control ACE WILDLIFE SOLUTIONS 315-391-5682 All of Central & Northern NY. Prevent bats from Member Since 06/08

returning. Guaranteed DEC Licensed & Insured.

24 Hour Emergency service www.acewildlifesolutions.com

May â–

www.Life and Homes .com

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L i f e and H o m e s

Northern New York â–

L i f e and H o m e s

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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 .