Life and Homes Northern New York

Northern NY

Life and

Homes

Free June

2010

Ten Ways to Improve Curb Appeal

Picture Perfect Local Listings

Summer Home Improvement Tips

Complete Real Estate Listing Directory @ LifeandHomes.com

Life and

Homes

The Long and the Short of It Remember when you were a kid counting down the final 25 days of school and they seemed to take forevvvvver? Now we're nearly half way through another year and I find myself wondering where the days have gone? Why does winter seem to drag out while summer speeds by?

The summer season officially begins on the 21st of this month and it there's one thing we upstaters know, it's that warm, sunny days are not to be taken for granted. I hope you can make time this month to get outside and do the things you enjoy. And don't forget to take time to honor or remember your dad on Father's Day, June 20th.

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

Real estate sales generally blossom during the summer months. Buyers and sellers are hoping to make their move so competition on both ends is heating up. If your home is on the market, or if you want to increase your home's value, don't miss this month's feature article, Ten Ways to Improve Your Home's Curb Appeal.

Simple ideas such as replacing entry door locksets, updating outdoor light fixDavid P. Lisi , RMC tures, painting entry doors and refreshing planter beds with color coordinated flowers are inexpensive ways to make a dramatic difference in the presentation Real Estate Marketing Consultant 315-865-5845 • David@dslisi.com of your home. If you're looking to purchase a home, a well maintained home on the outside is generally a sign that the seller takes pride in their home and has maintained the inside as well.

Sit down with a cup of iced tea and take some time to look over the properties featured in this month's issue of LifeandHomes. We gladly support 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.

Here's to June and what we hope will be the beginning of a great summer season for both buyers and sellers.

i David P. Lis

How to Reach Us Press Releases or Letters to the Editor Our e-mail address is Kim@LifeandHomes.com (Please do not send attachments)

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

CYBERVILL AGE

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Advertising Deadline July Issue June 18 , 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 .

Fascinating Finds Stop by www.BuilderConceptHome2010 to take a tour of what the team is calling: The Most Innovating Home NEVER Built. The concept home is inexpensive to build and exemplifies a dramatic shift in how homes are designed and built. It’s all virtual so walk on in and take a look. www.BuilderConceptHome2010.com Skip painting the town and paint your lawn instead. You read it right- paint your lawn.

Easy Green Lawn Paint’s biodegradable, kid/ pet safe lawn paint can be applied with a pump sprayer, lasts up to three months, dries in about an hour and instantly transforms unsightly brown lawns into a green oasis. www.easygreenlawnpaint.com One2flush’s system screws into the tank of a conventional toilet and adjusts the amount of water used in a flush. A modified handle that replaces the traditional handle on the front of the toilet can be turned one way for “No. 1” (liquid waste) and another way for “No. 2” (solid). The savings? Thirty gallons a day for the average family! www.one2flush.com The light on Black & Decker’s Thermal Leak Detector changes from red to blue when the infrared sensors detect drafts where hot/cold air are escaping. Shine the light on walls, windows and doors to easily detect drafts, fix the leaks and save up to 20% off your heating and cooling costs. www.blackanddecker.com

Skylights

Homeowners, green homebuilders, remodelers, roofers, even environmentalists, now have something in common. They all like bringing passive natural light into homes with tubular skylights that, while inexpensive, are highly efficient and Energy Star qualified.

Tim Johnson, product manager with Velux America, says Energy Star qualified Sun Tunnel skylights admit passive natural light (light without the heat emitted by electrical sources) while admitting very little of the heat that windows and other light sources produce.

“They capture light very efficiently through a weatherproof dome on the roof,” he says.

“The light travels into the home through highly reflective or flexible tubing, which makes it easy to bypass obstructions in the attic, ending at a diffuser in the ceiling that looks like a traditional in-ceiling light fixture.”

In many cases, they are less expensive than traditional skylights. They start at about $200. Some “super efficient” models meet the federal government’s energy efficiency criteria qualifying them for federal tax credits of up to 30 percent of the purchase and installation cost.

For information on the benefits of natural light and skylight selection, or for free house plans incorporating skylights, call (800) 2832831 or visit veluxusa.com. For government information on window and skylight energy efficiency visit energystar.gov and for independent

agency

information

visit

nfrc.org or efficientwindows.org. (ARA)

Light Up Your Nights

* For illuminating your entryway, deck and patio, use lighting that mimics moonlight, like new solar-powered lighting systems. * Stagger path lights. Be creative. * Skip the complicated wiring and costly electric bills by using new solar lights.

The latest high tech solar-powered outdoor lighting appliances come in styling that’s durable and low-maintenance. They harness the sun’s power by day, and when provided with enough light energy from the sun, last throughout the night.

So whether you want hours of lighting for your entryways or for evening outdoor entertainment, look to the sun to light up your nights. (ARA)

For safety when children are in the pool, designate a “water watcher” to maintain uninterrupted supervision of children in the pool at all times. When not in use, keep toys and other objects out of the pool area, and don’t use chlorine dispensers that look like animals or toys that will attract children.

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

* Keep your lighting simple. Start with one main lighting source and add accent lighting to highlight garden features. Don’t over-light.

It wastes energy, is costly and unappealing.

■

When the sun goes down, the right landscape lighting can turn any backyard into a stylish outdoor living space. With so many options, it’s easy to fill your nights with light to enhance security, decor and entertainment.

Garden and landscape designer John Carloftis offers these simple tips to light up your nights:

June

Like the look of granite but not the price tag?

Giani offers the world’s first granite countertop paint kit. Apply their trademarked paint system to formica, laminate, butcherblock, tabletops, fiberglass and other surfaces to get a smooth finish with the contours of natural cut stone at a fraction of the cost. www.gianigranite.com

Totally Tubular

Save On Summer Home Improvements With summer in the air, you’re just itching to get that home improvement project going. It’s a great time to install a rain garden, redo your windows or siding, or even change the look of one of the rooms inside your house with new paint and furniture.

Here are some tips to get your home improvement projects going, while keeping a bit of extra cash in your pocket: * If you have any handy talents, you can save a lot of money by doing the project yourself. * Offer your friends a trade for their work – maybe you’ll take them out for dinner. Or volunteer your services on one of their home improvement projects. * Look for online coupons. You can find great deals on supplies from leading home improvement retailers including Home Depot, Ace Hardware, American Blind, Lumber Liquidators and many more using online coupons and discount codes through like Ebates.com. And at Ebates.com, not only can you get discounts for free shipping, or reduced prices at more than 1,200 online stores, but you will also get a check back in the mail for a percentage of what you purchase online.

(ARA) Northern New York

Inhabable Food

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Le Whif, the brainchild of Harvard Professor David Edwards, is making a run as the next new food craze. Le Whif explains their products as, “ a fun way to experience chocolate without calories and coffee without the cup.” Take a quick puff from the lipstick shaped tube to experience the intense flavor without the calories.

(Source: lewhif.com)

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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 .

newsShorts

Show Me The Savings The Department of Energy reports water heating can account for 14 to 25 percent of the energy consumed in a residential home. “Green” advocates are touting solar power as a viable option to reduce those costs and applaud Congress’ decision to extend the federal solar tax credit for another eight years.

Through the tax credit program, it’s reported homeowners can recoup 30 percent of the total installed cost of a solar thermal water heating system. On average, if you install a solar water heater, your water bills should drop 50-80 percent.

Will the general public make the switch? With average installation projected to cost $6,500 to $11,000 - and some complex systems running as much as $12,000 - it’s unclear what percentage of the population Congress hopes will sign up for the tax credit.

‘Air’ On The Side of Safety The U.S. Department of Energy says properly inflated tires can improve fuel economy by 3.3 percent and help you save 9 cents per gallon at the pump. The National Highway Traffic Safety Association estimates that underinflated tires contribute to more than 600 fatalities and 33,000 injuries a year.

Fewer than 8 percent of vehicles have four properly inflated tires, according to a Rubber Manufacturers Association-sponsored national survey.

Be tire smart – play your “P.A.R.T.” That stands for pressure, alignment, rotation, and tread, all key elements of monthly tire maintenance. * Pressure: Check tire pressure monthly before you drive with a tire gauge and inflate to vehicle manufacturer’s recommended pressure. * Alignment: Misalignment of wheels can cause uneven and rapid tread wear. * Rotation: Rotate every 5,000 to 8,000 miles to help you achieve more uniform wear. * Tread: Bald tires are dangerous. Insert a penny, head first, into the tread groove. If you see all of Lincoln’s head, it’s time for a new tire.

For more information visit RMA’s website at www.betiresmart.org. (ARA)

LifeandHomes provides Free Access to

High Definition real estate Videos on Demand

Local Homes For Sale Go to

www.LifeandHomes.com click on

“Video Channel”

LH

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

GArLoCKrEALtY Hammond

9 Washington Street Alexandria Bay, NY 13607 Office: 315-482-6000 GarlockRealty.com Alexandria

$149,000

$779,000 20413 Saint Lawrence Park Rd

810 So. Hammond Rd.

experience everything a log home has to offer. The warmth of the natural log interior, cozy nights near the fire in the great room, watching the wildlife from your family room, enjoying the lazy days and warm summer breezes from the large screened porch.

6 Bed, 2.5 Bath , 4,052 Sq Ft , 1.4 acre Lot Single Family Residential - Traditional 121 feet of waterfront

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

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

Hammond

Hammond

$95,900

68 Heron Rd

$735,000

560 Indian Point Road

Waterfront parcel with boathouse in Chippewa, just off Heron Rd. Convenient to boat launch in Chippewa.

Plenty of room to build that dream home with fantastic river views.

3 Bed, 2 Bath, 1,900 Sq Ft, 6.2 acre Lot Single Family Residential - Ranch 2320 feet of waterfront

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

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

Alexandria

Orleans

$39,000

25991 NYS Rt. 26

$610,000

19578 Queen Annes Ln

Corner store located in the hamlet of Plessis, perfect for any type of commercial retail, office space, even a neat living space conversion. Loads of built-in shelving, coolers, etc.

3 Bed, 2 Bath, 2,352 Sq Ft, 1.5 acre Lot Single Family Residential.

Jennifer Hebert Lic RE Associate Broker

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

jen@garlockrealty.com • 315-396-2065

WWW.LAKEONTARIOREALTY.COM “No one knows the lake country like US!” Free Market analysis!

Call US today, we can show you aNY property listed with aNY company!

Now is a great time to buy! email or Text!

15320 Route 12e, dexter

April Marvin

(315) 778-8042 • April@LakeOntarioRealty.com

$500,000

Lic. R.E. Salesperson

CaLLING aLL INVeSToRS! one of the last larger lakefront parcels offered for sale 57 acres of land with over 900` of waterfront and around 1200` of total shoreline which includes a little peninsula! The potential here is amazing! Mostly level, located on 12e in Three Mile Bay, this is not to be missed! an amazing value at $415-500 per foot! Call today for survey map and a private viewing!

June ■

www.Life and Homes .com

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newsShorts

Ten Ways to Improve Your Home’s Curb Appeal

If you think having great curb appeal is only important if you’re trying to sell your home, think again. Your house is one of your biggest investments and making a great first impression will leave everyone not just potential buyers - wanting to see what’s inside. With 10 simple improvements, you can easily transform your home into the best looking house on the block.

L i f e and H o m e s

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Northern New York

There are a number of quick fixes you can complete in just one day that will make a big impact on your exterior.

•Replace old hardware. It’s the little things that make a big difference. Update your dated or dingy house numbers, entry door lockset and overhead light fixture. Each of these elements can add style and interest to your home’s exterior, especially if you incorporate a great finish option like oil-rubbed bronze or brushed nickel.

•Make over your mailbox. Your mailbox should complement the style and color of your house. Restore your existing mailbox with a fresh coat of paint or stain that matches the trim, color and woodwork of your house.

•Tame planter beds and landscaping. If your beds are overrun with weeds and unsightly growth, you’ll need to get them under control to give your home a well-manicured look. Prune, pull weeds and plant flowers to add color. Add a fresh layer of mulch and your yard will look as good as new.

•Illuminate your walkway. Adding low-voltage solar lighting to your front walkway can have a big impact on your home’s curb appeal. It also provides added safety and security. If you don’t have a walkway, string accent lighting in the trees for a whimsicallooking effect.

•Freshen up the front door. The front entry is the focal point of your home’s curb appeal. To keep it looking free of abuse from the elements and use, clean off any dirty spots and remove any loose paint. If your door is beyond repair, install a new version that reflects the design of your house. Once you’re all set, be sure to add a piece of decorative flair, like a wreath or door knocker that showcases your personality to the outside world.

In just a couple of days, you can boost the beauty of your home with easy upgrades.

•Renew paint and trim. Give your home an exterior facelift by adding a new coat of paint or stain. You’ll automatically update the look of your home by fixing any obvious defects, like loose paint, fading colors or cracks in your trim and fence. Be sure to use highquality painting tools to get a professional-looking 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 .

finish, like the Pro-Extra brush from Purdy. The extra length and thickness of the filaments on quality paintbrushes provide superior paint-holding capacity and are specially designed for all exterior paints and stains.

•Replace gutters and downspouts. If your gutters are loose and worn out, not only do they look neglected, but they’re also a danger to guests. To prevent any injuries, as well as improve the overall appearance, install a new, snap-fit gutter system that go together with a few tools for an easy and important upgrade.

•Add shutters or accent trim. Everything on the exterior of your home should be a reflection of what’s inside. To mirror the pulled-together appearance of your indoor rooms, install shutters and trim to provide an extra layer of interest on the exterior. Not

only do shutters help control light and ventilation, but new materials such as PVC resins or polyurethane make them durable and low maintenance.

Using a little elbow grease and taking extra time on some projects can reap huge rewards for your home in the long run.

•Upgrade railings. Porch and stoop railings deteriorate over time and can become loose. If yours are past their prime, look for quality wood or metal replacements.

Make sure the color, scale, design and details coordinate with the rest of your home’s main features.

•Dress up the drive. If your driveway is cracked, stained or has weeds sprouting up from it, now may be time to show it some TLC. Upgrade it without completely starting over. Repair any cracks or stains and be sure to kill the weeds and then add some extra character by staining the concrete or affixing flagstone. For additional flair, add stone, bricks or pavers to the sides for a completely custom look.

With these easy curb appeal cures, your home will be the envy of all your neighbors. For more information about the Pro-Extra series or other Purdy painting products, visit purdycorp.com.

TALK

RADIO

LIVE AND ON

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Over 12,000 Listening Downloads Your business can be featured on our show! Call us at 315-235-3753.

Join the Conversation

Listen Live or Log On Anytime at www.LifeandHomes.com - Click on Talk Radio

Your All Inclusive Home Directory Adams

LifeandHomes.com

$169,000

Cape Vincent

$130,000

18086 Goodnough

273 E James St

3 Bedrooms / 2.0 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41526

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

Mark Ralston • 315-777-2730

Allen Walker • 315-771-8189

EXIT More Real Estate Lic. R.E Salesperson • mralston@exitmore.com

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

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

Alexandria Bay

Bowes Realty

$110,000

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

Cape Vincent

$239,000

90 Walton Street

346 James Street

3 Bedrooms / 2.5 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41543

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

Betty Bork • 315-404-8242

James Wiley • 315-778-1360

Century 21 Millennium Realty Licensed RE Agent • bbork@nnymls.com

Agent • jameslwiley@tds.net

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

Brownville

Bowes Realty

$179,900

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

Cape Vincent

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

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

Cape Vincent

$115,000

Bowes Realty

Agent • jameslwiley@tds.net

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

Carthage

$159,500

Dablon Point Rd. Lot A

861 State Street

Waterfront Lot

3 Bedrooms / 1.5 Baths

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

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

Allen Walker • 315-771-8189

George Briggs • 315-782-8498

Bowes Realty

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

Elliott Realty, Inc.

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

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

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

Cape Vincent

$110,000 27738 Dablon Point Road

Chaumont

Waterfront Lot

2 Bedrooms / 1 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #33485

Allen Walker • 315-771-8189

James Wiley • 315-778-1360

Bowes Realty

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

Dan McIlroy

Betty Bork

Brite Orange Realty

Lic. R.E. Salesperson

1256 Arsenal Street Watertown, NY 13601 Cell: 315-404-8242 Email: bbork@nnymls.com

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.

Phone: 315-771-8189 Email: bowes@twcny.rr.com www.Life and Homes .com

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L i f e and H o m e s

A name that everyone has come to trust!

Allen Walker

■

MILLENNIUM REALTY

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

June

Phone: 315-380-8784 Web: briteorangedan@gmail.com

Bowes Realty

Agent • jameslwiley@tds.net

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

If you’ve decided to call the Indian River area your home, Brite Orange Realty is the brokerage you want working for you. My knowledge of the area and 24/7 service can help you find your ideal home. Experience the excitement of your new home search with someone excited to bring you into the area.

$229,500 6383 Failing Shores Lane

LifeandHomes.com

Your All Inclusive Home Directory

Constableville

$127,000 3706 Sweeney Road / 15 Acres

Gouverneur

3 Bedrooms / 1.0 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41545

For more details visit www.LifeandHomes.com Type in Quick Search #41544

Barbara Dunn • 315-337-1677

Betty Bork • 315-404-8242

Barbara Dunn Rlty Broker/Owner • dunrealt@aol.com

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

Constableville

$99,900

Hammond

$94,500

554 West Shore Road 1 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41546

For more details visit www.LifeandHomes.com Type in Quick Search #41495

Barbara Dunn • 315-337-1677

Bradley Byrns • 315-287-1789

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

Copenhagen

$159,900

Byrns Realty

Lic RE Broker/Owner • brad@byrnsrealty.com

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

Harrisville

10014 NYS RTE 12

$499,900 13623 French Settlement Road

4 Bedrooms / 2.0 Baths

4 Bedrooms / 0.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41541

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

Nancy Rome • 315-493-2134

Linda Waring • 315-408-6835

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

Croghan

Century 21 Millennium Realty Lic. R.E Agent • linda.waring@century21.com

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

$285,000

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

Henderson

9672 Shady Lane

$499,900 County Rt 123 - 2 Homes

3 Bedrooms / 1.5 Baths

8 Bedrooms / 4.0 Baths

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

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

Carol Lehman • 315-376-6278

Tammy Queior • 315-783-5408

T.L.C Real Estate, LLC Lic. R.E Agent • llehman001@twcny.rr.com

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

Gouverneur

$74,500

Lake Ontario Realty

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

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

La Fargeville

$129,900

120 Beckwith

18201 Hart Road

3 Bedrooms / 1.0 Baths

3 Bedrooms / 1.5 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41451

Betty Bork • 315-404-8242

Amanda Miller • 315-649-3434

Century 21 Millennium Realty Licensed RE Agent • bbork@nnymls.com

Mark Ralston

■

Lic. R.E. Salesperson

Providing Great Service for Buyers and Sellers!

I was born and raised here in Jefferson County, and returned after serving in the US Army and completing my college education. I’m excited to assist with all your real estate needs including buying, selling or military relocation to or from the North County. www.exitmorerealestate.com Cell: 315-777-2730 Email: mralstonexit@gmail.com 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 .

Lake Ontario Realty

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

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

Northern New York

Licensed RE Agent • bbork@nnymls.com

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

2 Bedrooms / 1.0 Baths

Broker/Owner • dunrealt@aol.com

L i f e and H o m e s

Century 21 Millennium Realty

3708 Sweeney Road

Barbara Dunn Rlty

8

$86,700

181 Grove Street

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

James Wiley Licensed R.E. Assoc. Broker Bowes Realty

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

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

5A

ED UC ED

CR ES

R

Rodman

$208,999 13115 County Route 156 3 Bedrooms / 2 Baths This home sits on a wonderful lot. approximately 5 acres with two stocked trout ponds. 2 Car detached garage.New wood stove to enjoy in the open living room with vaulted ceilings.Sliding glass doors that lead to a porch that overlooks the ponds and woods!

Go to nnymls.com and Type in MLS#S221137

D CE

RD YA CK A B

FEN

Watertown

S RE

AC 3 6 5.

$169,000

919 Academy St

W

NE

4 Bedrooms / 2 Baths

G TIN S I L

T SE CLO

UM

DR

Rome

$124,000

30139 Burnash Ave 3 Bedrooms / 1 Bath Great ranch knocking on Ft. drum`s back door.

Talk about convenience. Possible 3 bedrooms - finished basement area was used as a third bedroom, but feel free to use it as a kids playroom as well.

Go to nnymls.com and Type in MLS#S229758

$149,900

35933 Line School Rd 3 Bedrooms / 1 Bath This 3 bedroom home offers a nice open floor plan and a wonderful wood stove to help heat throughout the winter. The kitchen is large, open and has wonderful hardwood cabinets. Lots of counter space and a breakfast bar area.

Go to nnymls.com and Type in MLS#S232694

Rutland

$279,900

31055 Percy Chicks Dr 3 Bedrooms / 2 Baths

enter through the enclosed porch to a large 4 bedroom, possibly 5 bedroom home. Lots of updates to include a remodeled kitchen and bathroom. Kitchen features all new cabinets, countertops, appliances, and flooring.

Go to nnymls.com and Type in MLS#S232230

FT. O

Champion

Beautiful ranch situated on a partially wooded lot.

Wonderful open floor plan with a great flow. Large open kitchen with stainless steel appliances and plenty of counter space and cabinets. Large master bedroom large w/ a walk-in closet and a master bath.

Go to nnymls.com and Type in MLS#S233974

G TIN

LIS W

NE

Lisa Watson Lic RE Salesperson

Watertown

$258,900

16300 US Rte 11 5 Bedrooms / 2 Baths open floor plan. Lots of natural light throughout.

Great big kitchen which features oak cabinets, lots of counter space and an island. off of the dining room are sliding glass doors that lead to the back patio and a nice yard.

Go to nnymls.com and Type in MLS#S234050

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 overlooking the 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!

$199,000 • Log Hill Road • Alexandria Bay

$82,500 • Co. Route 100 • Fineview

www.Life and Homes .com

9

L i f e and H o m e s

Spacious ranch on Wellesley Island at a great price. Needs some work but has lots of pluses.

Large kitchen, lots of storage, large family room, and quiet back yard with woods behind.

Located just across the road from the river and main shipping channel. Great home for customs and immigration agents or coast guard as it’s only minutes from the border or use as a summer home without the high waterfront taxes.

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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

June

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.

Northern New York â–

L i f e and H o m e s

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 .

June â–

www.Life and Homes .com

11

L i f e and H o m e s

“No one knows the lake country like US!”

Free Market Analysis!

Call US today, we can show you ANY property listed with ANY company!

$279,900

CHaRMING ReModeLed FaRMHoUSe oN THe LaKe! Three Mile Bay Come view this spacious farmhouse boasting over 2000SF w/ 4 bed/2 bath, large living room, den, dining room, country kitchen, Bedroom/Bath on 1st floor.

2 acres of land w/ 300’ of excellent waterfront perfect for swimming, boating, and fishing. What a buy!

Now is a great time to buy! email or Text!

$499,900

$129,900

Henderson 2 WoNdeRFUL Year Round WaTeRFRoNT HoMeS IN HeNdeRSoN! Come view these 2 homes on almost an acre of land w/ stunning prime lakefront! Park like setting, panoramic views, main house 2392 SF w/ 4 bed, 2 bath, central air, 2nd home 1778 SF, 4 bed/ 2 bath, attached garage, and additional 3 stall garage. Come see today!

$195,000

CHaRMING VICToRIaN Sackets Harbor Charming village home just a few blocks from downtown Sackets! Come view this 1721 SF 3bed/1 bath home that has been tastefully renovated, boasting original hardwood floors, gorgeous bath w/ spa tub, custom tile, spacious country kitchen w/ walk-in pantry, lg mud/ laundry rm, heated 2 story garage w/ plenty of storage!

La Fargeville LaFaRGeVILLe CoUNTRY RaNCH Come view this 3 bed/1.5 bath home situated on 1.85 acres. open floor plan w/ galley kitchen, hardwood floors, lg patio, storage shed, and nicely landscaped with several flower gardens. Many updates include new roof, bathroom updates, hardwood floors, and much more!

$157,900

Sacketts Harbor

Three Mile Bay

Watertown TURNKeY HoMe Watertown everything has been done in this 3bed/2 bath 1590 SF home! New windows, siding, wiring, floors, 2 new full baths, and a new kitchen! Many upgrades. Garage has new roof & windows!

(P) 315-649-3434 (F) 315-649-3436 12396 NYS Rte. 12E, Chaumont, NY 13622 • WWW.LAKEONTARIOREALTY.COM

PRIME PROPERTIES Northern New York

St Lawrence River - 1000 Islands Waterfront Condos with Boat Slip

L i f e and H o m e s

■

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.

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

See more photos at www.8docksidedrive.com

12

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

Debbie Roberts

315.796.2830

Your All Inclusive Home Directory Lisbon

LifeandHomes.com Ogdensburg

$167,500

$144,900

10333 SH 37

19 Lee Drive

Building Lot

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41492

For more details visit www.LifeandHomes.com Type in Quick Search #41493

Steven Szafranski • 315-384-4769

Steven Szafranski • 315-384-4769

Byrns Realty

Byrns Realty

Lic RE Associate Broker • nemlaw@twccny.rr.com

Lic RE Associate Broker • nemlaw@twccny.rr.com

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

Mannsville

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

Guilford

206 Lorraine

$62,000

$450,000 Chenango Cty Equine Facility

4 Bedrooms / 1.0 Baths

120 Acres + Home

For more details visit www.LifeandHomes.com Type in Quick Search #41527

For more details visit www.LifeandHomes.com Type in Quick Search #41533

Mark Ralston • 315-777-2730

David Posson • 607-316-3758

EXIT More Real Estate

Posson Realty

Lic. R.E Salesperson • mralston@exitmore.com

Broker/Owner • possonrealty@frontiernet.net

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

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

Morristown

$295,000 77 Blackstone Bay Rd Waterfront

DeRuyter

8 Acre Parcel

165 Acres + Home

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

For more details visit www.LifeandHomes.com Type in Quick Search #41534

Carol Adler • 315-786-6666

David Posson • 607-316-3758

$350,000 Chenango County Dairy Farm

Century 21 Millennium Realty

Posson Realty

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

Broker/Owner • possonrealty@frontiernet.net

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

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

Morristown

$195,000 26 Dockside Drive - Waterfront Condo

Catskill

2 Bedrooms / 1.0 Baths

60 Acers _ Home

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

For more details visit www.LifeandHomes.com Type in Quick Search #41532

Debra Roberts • 315-796-2830

David Posson • 607-316-3758

$350,000 Greene County Gentlemans Farm

Coldwell Prime Properties

Posson Realty

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

Broker/Owner • possonrealty@frontiernet.net

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

Ogdensburg

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

Pamelia

$419,000

$279,000

10123 S.H. 37

25030 Co. Rte. 53

5 Bedrooms / 3.5 Baths

3 Bedrooms / 2.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41518

Linda L Love • 315-375-4486

April Marvin • 315-778-8042

Byrns Realty

Lake Ontario Realty

Lic RE Associate Broker • linda@byrnsrealty.com

Lic. R. E. Salesperson • april@lakeontariorealty.com

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

Jenn's Property Management

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

Attention Homeowners June

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 Philadelphia

Your All Inclusive Home Directory Syracuse

$149,000

31 Main Street

Custom Built Homes

5 Bedrooms / 1.5 Baths

Post & Beam

For more details visit www.LifeandHomes.com Type in Quick Search #41055

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

Daniel McIIroy • 315-629-2200

Al Roy • 315-458-4256

Brite Orange Realty

Custom Home Masterpieces, Inc.

Lic. R.E Salesperson • BriteOrangeDan@gmail.com

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

Philadelphia

0 • alroy@twcny.rr.com

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

Theresa

$174,900

31529 Boat Launch Road

3 Bedrooms / 1.5 Baths

5+ Acres

For more details visit www.LifeandHomes.com Type in Quick Search #41507

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

Daniel McIIroy • 315-629-2200

Katharine Dickson • 315-783-2104

Brite Orange Realty

Front Porch Realty

Lic. R.E Salesperson • BriteOrangeDan@gmail.com

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

Philadelphia

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

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

Theresa

$158,500

30399 SR 26

2 Bedrooms / 1.5 Baths

5 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41217

For more details visit www.LifeandHomes.com Type in Quick Search #41508

June E. O'Brien • 315-788-4444

Daniel McIIroy • 315-629-2200

Brite Orange Realty

Lic. R.E Salesperson • june.obrien@coldwellbanker.com

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

Rutland

Lic. R.E Salesperson • BriteOrangeDan@gmail.com

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

Three Mile Bay

$124,000

19307 South Shore Rd

3 Bedrooms / 1.0 Baths

4 Bedrooms / 2.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41450

Lisa Watson • 315-286-9682

Amanda Miller • 315-649-3434

Lake Ontario Realty

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

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

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

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

Sackets Harbor

$195,000 112 East Washington St.

Watertown

3 Bedrooms / 1.0 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41449

For more details visit www.LifeandHomes.com Type in Quick Search #41455

Amanda Miller • 315-649-3434

Frank Roberts • 315-778-6950

Coldwell Banker-Rimada Realty

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

Northern New York

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

Builder land tours hardwood flooring • stair parts • molding

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 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 .

$97,200

312 Main Street

Lake Ontario Realty

■

$279,900

30139 Burnash Ave

Coldwell Banker-Rimada Realty

L i f e and H o m e s

$260,000

5 Irish Ave

Coldwell Banker-Rimada Realty

14

$49,000

87 Main Street

Lic. R.E Salesperson • frobert2@twcny.rr.com

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

Lisa Watson

Licensed Real Estate Salesperson Rimada Realty

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

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!

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

call rob: 315-235-3753

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

MLS#S227326

Lorraine

$267,000

NORTH STAR RIDING STABLES. Horse barn has 23 matted box stalls, 2 tack rooms, 80` x 152` indoor riding arena w/heated viewing room, 1500 bale hay loft, upgraded insulation, heated bath and laundry room. 18 acres of pasture w/8 electro braid paddocks, an outdoor 100` x 200` lighted arena.

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

$179,000

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

June ■

www.Life and Homes .com

15

L i f e and H o m e s

LifeandHomes.com Watertown

Your All Inclusive Home Directory Watertown

$184,000

628 Cooper Street

820 Boyd Street w

3 Bedrooms / 1.5 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41221

For more details visit www.LifeandHomes.com Type in Quick Search #41452

June E. O'Brien • 315-788-4444

H Brenda Sipher • 315-771-3194

Coldwell Banker-Rimada Realty

Lake Ontario Realty

Lic. R.E Salesperson • june.obrien@coldwellbanker.com

Lic. R.E Salesperson • brendasipher@yahoo.com

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

Watertown

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

Watertown

$177,000

348 S Hamilton

4 Bedrooms / 2.0 Baths

3 Bedrooms / 1.0 Baths

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

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

Lisa Watson • 315-286-9682

Nancy Rome • 315-493-2134

Rome RSA Realty L.L.C.

Lic. R.E Salesperson • MLBJS5@hotmail.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

$209,000

170 Bowers Ave.

3 Bedrooms / 1.5 Baths

4 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41497

For more details visit www.LifeandHomes.com Type in Quick Search #41542

George Briggs • 315-782-8498

Nancy Rome • 315-493-2134

Rome RSA Realty L.L.C.

Lic. R.E Salesperson • georgebriggsrealestate@hotmail.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

West Carthage

$100,000

41 Champion

2 Bedrooms / 1.0 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33779

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

Mark Ralston • 315-777-2730

Nancy Rome • 315-493-2134

Rome RSA Realty L.L.C.

Lic. R.E Salesperson • mralston@exitmore.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

Wilna

$136,900

23711 Staie Rd

3 Bedrooms / 1.0 Baths

1 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41540

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

Barbara McKeever • 315-783-2995

Nancy Rome • 315-493-2134

Rome RSA Realty L.L.C.

Lic. R.E. Salesperson • bmckeever1@hotmail.com

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

Northern New York

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

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...

■

$74,900

238 Seymour Street

Hopkins Homes GMAC Real Estate

L i f e and H o m e s

$149,800

313 Pratt

EXIT More Real Estate

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.

16

$89,900

25028 Rt 126

Elliott Realty, Inc.

"Our goal is to provide you with a no pressure, turn-key home building experience log or stick built."

$139,900

919 Academy Street

Coldwell Banker-Rimada Realty

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

$157,900

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 Loan Solutions • Northern FCU • 315-771-4783

KD Homes

featuring

Bill Lake Homes

A different kind of home built with pride & integrity by professionals.

Bill Lake has been the leader in building energy efficient custom homes for over 43 years. Call Dave today!

KD Homes Rt 12 Waterville, NY 13480

841-8700

email kdhomes@frontiernet.net web kdhomesny.com

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

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.

Welcome home the 3rd BCT from Afghanistan and the Apache Unit to Fort Drum ROME RSA REALTY LLC

315 493 2134 located at 11006 State Rte 26, Carthage, NY

FinancialPlanning Don’t Rely Solely on ‘Uncle Sam’s’ Help During Retirement You can't watch television or read a newspaper without being reminded of the uncertain times we're in. Disappearing jobs, disturbing stock market losses — we don't need to tell you, it's rough out there.

This has made retirement planning more complicated than ever. From October 2007 to last December, the market lost nearly $3 trillion in retirement savings.1 Many who were counting on their 401(k)s don't even read their account statements anymore.

Gary Sunada

The Truth About Social Security But other factors have muddied the waters for mapping a course toward retirement. People are living longer. An American born in 1955 was expected to live to age 69, on average. Forty years later, life expectancy was 76.2 This is good news; but, we need to prepare for more years of retirement.

And, if you thought Social Security would take care of you, think again.

Last year, the maximum monthly benefit was $2,1853 — not enough for many of you to live comfortably.

While there are no easy solutions, the purchase of a life insurance policy can guarantee4 the protection of your loved ones and additionally supplement your retirement savings,5 if the death benefit is no longer needed.

Leaving a Legacy Life insurance’s primary purpose is to provide guaranteed death benefit protection, which can provide a tax-free legacy to your loved ones. But, permanent life also carries many living benefits. Cash value is money that accumulates within the policy, tax deferred. This means you do not pay taxes on any of the accumulation within the policy. In addition, you can access that money tax free though policy loans.5,6 These same funds can also be used for college expenses, as collateral for a small business loan, or any other happily anticipated or unexpected event.

In addition to the death benefit protection provided by life insurance, it can also be used to supplement your retirement income. As such, it can be a vital piece of the complex puzzle of retirement planning.

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.

Neither New York Life, nor its agents, provides tax, legal or accounting advice. Please consult your own tax, legal or accounting professional before making any decisions.

1Urban Institute, Fact Sheet on Retirement Policy, “How Is the Recession Affecting Older Workers?” Dec. 2009, Richard W. Johnson, www. retirementPolicy.org.

2Voice of America, “U.S. Life Expectancy Hits New High,” Sept. 17, 2007.

3Fast Facts and Figures About Social Security, 2008, SSA Publication No. 13-11785. Released Aug. 2008, page 2.

4Guarantees backed by the claims-paying ability of the issuer.

5Loans against your policy accrue interest and decrease the death benefit and cash value by the amount of the outstanding loan and interest; withdrawals reduce the available death benefit.

6If your life insurance policy is paid up and your need for a death benefit decreases.

After a Loss: Managing a Loved One’s Affairs and Your Inheritance Replace lost income to pay off debts, final expenses and protect the lifestyle for the people you love in the event of the unexpected (Read Complete Article at: www.LifeandHomes.com/nny. Click on Financial Planning tab at

top of page.

June

Read More

■

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.

www.Life and Homes .com

17

L i f e and H o m e s

What Life Expectancy Means to Retirement Planning

Home service network

Exclusive Members That Have Shown Exceptional Customer Service

The Missing Pieces to a Hassle-Free Home Appliances WATERTOWN APPLIANCE 315-782-0333 Northern NY’s largest independent appliance Member Since 03/06

dealer. Guaranteed low prices on top name kitchen and laundry appliances. Package pricing. Open 7 days a week.

Appraisal DAS APPRAISAL SERVICE 315-782-4030 Serving Jefferson, Lewis and St Lawrence Member Since 04/08

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

THOUSAND ISLANDS APPRAISALS Serving Jefferson, Lewis and St Lawrence 315-482-9358 Member Since 04/08

counties, Banks, Attorneys Divorces, Property Tax Grievance, FHA Approved.

Electrical Contractors CA ELECTRIC 315-788-0324 Member Since 04/08

Residential, commercial, and industrial. Free estimates, new installations and upgrades.

Generator systems, licensed and insured, emergency service. Authorized guardian generator sales and service.

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

18

Member Since 03/07

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

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19

L i f e and H o m e s

BowEs rEALtY, LLC

Bowes Realty LLC 40219 NYS RT 12 Clayton NY 13624 P: 315-686-3315 www.BowesRealty.com

L i f e and H o m e s

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Northern New York

Cape Vincent

20

$239,000

James Wiley Lic. R.E. Assoc. Broker jameslwiley@tds.net (P) 315-778-1360

Cape Vincent

$219,500

346 James Street

32322 State Route 12E

4 Bedrooms / 2 Baths

2 Bedrooms / 1 Bath

This home was originally know as “Twin Gables” being built in 1860 and has been extremely well maintained.

The original woodwork has been kept in tact with its pocket doors and gable style windows. The kitchen is large with plenty of cubboard space and work area.

River breezes with a great channel view. The large living room/family room extends across the front of the residence. (24x18) The property has a paved driveway to the garage and a large rear deck (14x14) and an additional (15x22).

Cape Vincent

Cape Vincent

$725,000

$159,900

2332 Humphrey Road

352 S Real Street

4 Bedrooms / 1.5 Baths

4 Bedrooms / 2.5 Baths

This property is located on the Lakeside of Mud Bay. The residence consists of an 1860 well maintained farm style home with a 30 X 35 boat house on its 709’ of waterfront. The shore line is held in place by steel pilings.There is a large garden area.

2300 sq. ft. village home. 4 or 5 bedrooms, 2.5 baths.

Wood heat or oil fired boiler baseboard heat. Large kitchen, dining room and living room. attached two stall garage w workshop.

Cape Vincent

Cape Vincent

$182,500

$199,900

31385 County Rte #4

221 Esselstyne Street

4 Bedrooms / 2.5 Baths

3 Bedrooms / 3 Baths

Victorian style home in excellent condition. Built in 1898 and recently updated. Hardwood floors, original woodwork. Two car detached garage. New kitchen, windows, roof and septic. Municipal water.

Unique village home with living area on the 1st floor but rooms in the 10` deep basement are unfinished.

This residence is an 8 sided home with an straight-away entrance into a large living room surrounded by a dining room, kitchen, 3 bedrooms and 3 baths.

Cape Vincent

Cape Vincent

$169,900

$149,500

1074 East Broadway

28341 Stony Point Road

2 Bedrooms / 1 Bath

3 Bedrooms / 1 Bath

1984 14x70 mobil home w attached porch. Guest cottage and entertainment building. Two village parcels on corner lot. Unlimited views of the Saint Lawrence.

Grand old stone home that needs a complete renovation. 76 acres total, 10 + acre wood lot, RoW to Bay. Two large open fields, and 1100’ road front.

Fisherman and hunters paradise.

Three Mile Bay

Cape Vincent

$119,000

$99,900

6921 Failing Shores

384 Market Street

2 Bedrooms / 1 Bath

4 Bedrooms / 2 Baths

Two bedroom cottage at the end of a seasonal road with small harbor on Chaumont Bay, some work has been done with more fishing work to be completed. open beam ceiling, ceiling fans, laminated floors, new windows. Water taken from Lake and also from well.

Four bedroom home on neat village parcel. 1st floor bedroom and bath. Rear entry way, glassed in, new tiles in kitchen. Good sound home that had been previously as a Bed and Breakfast.

Chaumont

Lyme

$229,500

$15,000

6383 Failing Shores

CO. Rt. 57

2 Bedrooms / 1 Bath

Lot Size 200 x 220

Very nice two bedroom residence with plenty of waterfront on Chaumont Bay. The property is at the end of Failing Shores Lane. Very private area with 255’ of waterfront, a cement boat launch and a 100’ seasonal dock and a 8x12 front deck.

Nice private location for your residence. Two miles from Long Point State Park and Boat Launch. Near Point Peninsula Village with its marina. area is good for hunting and fishing.

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 .