Adirondack Real Estate NORTH Nov., Dec., Jan. 2019-2020

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REAL ESTATE Clinton, Essex & Franklin Counties

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FEATURED PROPERTIES

• • • • • • • •

For Sale/Lease: City of Plattsburgh Commercial Building • Located in the Town • Price Reduced! of Plattsburgh • Recently • 5 suites renovated • Total of 32,000 +/- SF • 3,680 +/- SF • Ceiling heights 14’-16’ +/building • 7,500 SF, 1,400 SF, and • Warehouse with 2 OH doors 3,156 SF suites available for • Large showroom and offices lease Price Reduced: $649,000 Asking: $180,000 For Sale/Lease: Commercial Building

• 36,000 +/- SF (Original building has rubber roof installed in 2012, 6,000 +/- SF addition in 2016 with metal roof.)

Asking: $1,350,000 • Office/Lab area: 6,000 +/- SF • Warehouse/Manufacturing/Industrial area: 33,000 +/- SF • Includes: lunch room, reception area, locker rooms, etc.

For Sale/Lease: Commercial Building

• 10,000 +/- SF (Possibly add 15,000 SF adjoined space- lease only) • Located in the City of Plattsburgh • 2 Dock doors (8’X10’ and 8’X8’ • Owner financing available Call for details!

For Lease: Industrial Warehouse Space

• Rouses Point, NY • 180,000 SF • Build-to-suit options and land for lease • Municipal Water & Sewer Call For Details!

• Adjacent to rail line • Lowest electrical rates in the Country

For Lease: Industrial Space

For Lease: Plattsburgh Commercial Space • 9,000 SF +/• 2.1 +/- AC • Drive in doors • Ample parking • High traffic location

For Sale: Great Plattsburgh Retail Locations:

For Lease: Plattsburgh Warehouse • Located on 2.24 AC • 12, 270 SF building.

• Some office space • Warehouse space has one “UPS” level door with ramp and one drive in door.

Call For Details

Route 3 in Plattsburgh, NY. Very High traffic!

Great locations for a national chain. Call for details!

www.cdcrealestate.com 30 Bridge Rd. Suite 111 Rouses Point, NY 12979 Alexandra Barie NYS Associate Broker

For Lease: Commercial Building • 15,000 +/- SF • Located in the City of Plattsburgh (very low electrical costs) • 1 dock door and 1 drive in door • 14’ +/- Ceiling Heights • Additional space could be available

• Plattsburgh, NY • 30,400 SF available • Truck level doors • Ceiling Heights 15’-20’ • NYSEG and propane modine heaters • Right off I-87 Exit 40 Call for details!

Call on CDC Real Estate The North Country’s Number One Commercial Real Estate Firm

Matt Boire NYS Broker

Rouses Point, NY 8,512 SF Two loading docks One ground level door Office area Call for details!

And two restrooms Lowest electrical rates in the U.S. Available January 1, 2020

For Sale: Champlain Warehouse • 3,200 SF Warehouse • 3.64 +/- AC Call for details!

• Adjacent buildings with 3 kilns and drive-in doors • 2 minutes from U.S.-Canadian border

WAREHOUSE/INDUSTRIAL SPACE For Sale: Rouses Point Warehouse

Mark Barie Consultant

COMMERCIAL/RETAIL FOR SALE For Lease: Commercial Space on Route 11 • Up to 6,416 SF available • High traffic location • Ideal for retail or service Call for details! business • Space can be modified to fit your needs For Sale: Plattsburgh Commercial Building

• 1,512 SF • 20 X 123 FT lot.

• Ideal for restaurant, small commercial business, offices, or retail location.

• Second location with existing business also available for sale.

Call for details!

For Lease: Rouses Point Office Space • 4,500 SF • Triple A office space • Competitive lease rates • Close to U.S.-Canadian Border and Vermont

• • • • • • •

For Sale: Industrial Warehouse Total of 5.33 AC 50,000 +/- SF Strong tenants!

Ceiling Heights: 16’ to 20’ 11 Truck level loading docks Full wet sprinkler system Just off I87 Exit 40

Asking: $1,750,000 For Sale: Industrial Facility

• 51,000 SF in Plattsburgh • Ceiling heights: low bay- 10’-14’ high bay- 26’ Call for details!

• 8 loading docks • One minute from Airport and close to Interstate I-87 • 6+ acre lot with room to expand

Adirondack Real Estate Guide North

Call for details

For Sale: Commercial Building with Apartment

• 10,000 SF building in Jay, NY • Open layout- fully sprinklered • 2 bay heated garage • Large one bedroom apartment Call for details!

For Sale: Plattsburgh Commercial Building

Call for details!

All property information provided by CDC is deemed reliable but not guaranteed and should be independently verified.

This advertisement does not suggest that the broker has a listing on each property or that any property is currently available.

Page 2 • November/December/January 2019-2020

CDC REAL ESTATE 1-800-545-8125

For Lease: Warehouse Space

• • • • •

10,000 +/- SF on 1.4 +/- AC Located on Route 9 North Large paved parking lot Highly trafficked location Zoned Commercial

Asking: $225,000

For Lease: Plattsburgh Commercial Building • 2,944 SF with 2 offices And large reception area • Municipal sewer & water • High traffic location Call for details!

• (3) 10’ x 12’ doors

• • • •

FOR SALE: CITY OF PLATTSURGH FORMER ELEMENTARY SCHOOL 3.2 +/- AC of land Total of 33,846 +/- SF Office and several restrooms Lowest electric rates in the country Asking: $950,000

FOR SALE: 10 +/- AC on Miner Farm Road. Just off exit 42 on I-87 with highway frontage.

Zoned IC. Asking $285,000 FOR SALE: 97 +/- acres in the Town of Plattsburgh. Has great gravel and sand. Ideal for residential subdivision.

Asking: $545,000

For Sale: Multi-Tenant/Commercial Investment Property • 7.3 +/- AC • Frontage on Military Tpke.

• Includes 3,500 SF building with store front, and two apartments • Adjacent land available (to be subdivided) Call for details!

For Sale/Lease: Plattsburgh Retail Location

• 2,220 SF commercial space with Rt. 3 visibility and traffic.

• Next door to several restaurants and retailers.

Asking: $525,000

For Sale/Lease: Route 11 Ellenburg • 4.5 AC Large paved parking lot • High traffic location • 4 gas pumps (turn key ready) with canopy (pumped ~ 700,000 gallons in 2017) • 9,960 +/- SF main building • 2.520 +/- SF shop building Asking: $359,000 For Sale: Small Warehouse Facility

• Champlain, NY • 3,000 +/- SF with small office and 1,000 SF of outside storage • Truck level door • Ceiling Heights 12’-14’ • Natural Gas heat and Municipal Call for details!

Sewer and water

For Lease: Champlain Office Space

• 1,376 21,376SF SF • Located on .14 AC • Lobby area plus private offices, restroom, and small kitchenette area • Less than 1 mile from Call for details!

U.S-Canadian Border and I-87 For Sale: Redford Apartment Complex • 4 unit complex • (2) 3 BR, (1) 2 BR and (1) 1 BR unit • Located on 1.3 AC • Public water and private sewer Asking: $59,000

• • • • • •

2,370 SF West Bay Plaza Large reception area 6 plus offices/exam rooms Well maintained Motivated seller! Asking: $219,000

BUSINESS FOR SALE

FOR SALE: Longtime successful liquor and wine store for sale in Plattsburgh, NY. Loyal clientele and very profitable business. Currently runs with a team of part time employees and minimal marketing.

Motivated seller!

LAND FOR SALE FOR SALE: 10 acres at corners of Route 3, Tom Miller and Banker Rd. Great location! High trafficked area.

Ready for development. Motivated seller! Asking: $389,000

FOR SALE: 8.78 +/- AC of vacant land located on highly trafficked Route 11.Just off I-87 Exit 42. Less than a mile from the U.S.-Canadian border. Zoned: Commercial. Lots of potential! Asking: $190,000

FOR SALE: 10.4 AC of land with 330’ of road frontage on Route 22. Just off I-87 exit 36. Less than 5 miles from the Plattsburgh International Airport and several large area employers. Zone Commercial.

Asking: $199,000

FOR SALE: 5.5 AC of land on Route 9 South. Includes 300 feet of lake frontage. Great land for commercial or residential development. Zoned service center.

Call for details!

FOR SALE: 3.27 AC on Route 9 South. More than 400’ of road frontage on Route 9. Municipal water and sewer. Zoned Service Center.

Asking: $425,000

30 Bridge Rd. Suite One Rouses Point, NY 12979 Licensed NYS Broker

Adirondack Real Estate Guide North

For Sale: City of Plattsburgh Office Building

November/December/January 2019-2020 • Page 3

ADIRONDACK REAL ESTATE GUIDE

AN ADIRONDACK PENNYSAVER PUBLICATION

Mark Rigby.................................................... General Manager Corinne Rigby ................Business Manager- Accounts Receivable John Bruno................................................ Production Manager Account Representatives:....................................Carol VanHise, Eric Schwartz, Laurie Rock, Kayla Boutin

10 Issues published annually. Free distribution in Clinton, Essex & Franklin Counties, including the Vermont Islands. Published mid-month at 177 Margaret street, Plattsburgh, NY, 12901.

Telephone 518-563-0100, by the Adirondack Pennysaver, Inc.

Volume 20 • Issue 4

Get the best mortgage financing deal Few people are able to walk into a home, like what they see and then pay for a house in cash. In the vast majority of home purchases, mortgages make the dream of home ownership a reality.

Getting a mortgage requires research and some preparation on the part of borrowers if they hope to get the friendliest terms possible.

Homes are substantial, decades-long investments, so it’s smart to shop around to find the best rates and lenders available.

These tips can make the process of applying and getting a mortgage go smoothly, and may even help borrowers save some money.

• Learn your credit score. Your credit score will be a factor in determining just how much bargaining power you have for lower interest rates on mortgage loans, according to the financial resource NerdWallet. The higher the credit score, the better. Well before shopping for a mortgage, manage your debt, paying it off if possible, and fix any black marks or mistakes on your credit report.

• Investigate various lenders. The Federal Trade Commission says to get information from various sources, whether they are commercial banks, mortgage companies, credit unions, or thrift institutions. Each is likely to quote different rates and prices, and the amount they’re willing to lend you may vary as well. Investigating various lenders can help you rest easy knowing you got the best rate for you. Lenders may charge additional fees that can drive up the overall costs associated with getting a mortgage. Compare these fees as well so you can be sure you get the best deal.

• Consider a mortgage broker. Mortgage brokers will serve as the middle person in the transaction. A broker’s access to several different lenders can translate into a greater array of loan products and terms from which to choose.

• Learn about rates. Become informed of the rate trends in your area. Lower rates translate into significant savings amounts per month and over the life of the loan. Rate may be fixed, though some are adjustable-rate mortgages (also called a variable or floating rate). Each has its advantages and disadvantages, and a financial consultant can discuss what might be in your best interest.

• Discuss points with your financial advisor and lender. Some lenders allow you to pay points in advance, which will lower the interest rate. Get points quoted in dollar amounts so they’ll be easier to compare. If you’re unfamiliar with points, discuss the concept with your financial advisor.

The vast majority of homeowners secured a mortgage to purchase their homes. Learning about the mortgage process can help new buyers navigate these sometimes tricky financial waters.

Monday - Saturday 9-5 • Sunday & Evenings by Appt.

Independently owned and operated

by Eric & Michelle LaBounty 690 Route 3, Plattsburgh, NY 12901 Phone: 518-563-6250 / 800-794-6250 HEATED MODEL HOMES

Begin your home search here - www.plattsburghhousing.com

November

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2019-20

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Adirondack Real Estate Guide North

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Winter is a GREAT Time to StartdYour Plans! d

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d d Join Us January 30th for Our Home Building Seminar 6-8pm at Dino’s Pizza - 795 Rt d3, Plattsburgh d Learn Valuable Tips in a Friendly Setting with No Cost Obligation! and lender requirements • Manufactured and modular home info • How to develop your building site d Financing d d d d Adults Only, Please RSVP to reserve your spot. d Better Service • Higher Quality • All at a Price You Can Afford

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November/December/January 2019-2020 • Page 5

Pros and cons to pet doors Pets quickly take up residence in their owners’ homes and hearts. Many pet parents treat their pets as fullfledged members of the family, with the same privileges and attention they devote to other family members.

A 2016 Harris Poll found 95 percent of Americans consider their pets to be part of the family, and there is not much they won’t do for their companion animals. One area where pet owners may focus their attention is giving their pets more freedom to explore the outdoors. This can be achieved with the installation of a pet door. With busy schedules taking many pet parents away from home, pets may spend many hours home alone.

An outdoor retreat could be just what the veterinarian ordered for pets who need more fresh air. Before pet owners install doors for their four-legged friends, it may behoove them to consider the advantages and disadvantages to doing so.

PROS Pet doors can be very convenient for pet owners and pets. Unencumbered bathroom breaks is one of the prime reasons to get a pet door. Not having to wake up early in the morning or rush home from work to let out a pup can give pet owners more freedom. Cat owners may choose to have their cats soil outdoors, removing the hassle and odor of indoor litter boxes.

A pet door provides a way for pets to regulate when they need to go and not be at the mercy of their human companions. This is handy when training a puppy who cannot hold his bladder for more than a few hours.

Avoiding indoor accidents can be a great reason to install a pet door.

Pets need exercise and stimulation to alleviate boredom and avoid destructive behaviors. Access to the outdoors promotes physical activity and mental stimulation. Cats may chase bugs or small animals. Dogs may run around the yard and play with a ball or stick. Easy access to outdoor play can take some of the burden off of busy pet owners.

CONS As convenient as pet doors can be, they may disconnect pet owners from their pets. People may feel they don’t need to spend the time in the yard or walking the animal, and that can adversely affect the bonds between pet Richard c. Johnson ellen m. Welch associate Broker c a k owner and pet. d C n o o Broker/sFr ast ir commercial investment d A esidential r Another potential disadvantage concerns alpha-driven pets. Giving pets control over their comings and goProPerties : 518-572-0882 REALTY cell: 518-572-3151 ings may reinforce ego and potentiallycell cause the animal to be less responsive to his owner’s commands.

Real Estate Brokers Safety is another concern. Although there are smart doors that canLicensed only open when triggered by a chip on the COMMERCIAL pet’s collar, one never knows what pets may bring indoors. Cats may present dead rodents and dogs may dirty LLY ICA AST ED the house with muddy paws.

DR EDUC R Weather is another concern. In colder climates, pet doors may be another source of drafts, contributing to inefficient heating and cooling situations.

Dogs or cats who are prone to roamingCumberland could get into trouble if left to their own devices outside.

Willsboro Opportunity Head • 8100 SF Former Grocery Store • Approx Sq ft Hillside Ranchinstalling pet doors in their homes.

Pet owners should consider a host of2600 factors before • 10 Acre Parcel • Open Floor Plan • 3 Bedrooms, 3 Baths • Additional Galley Kitchen on Lower Level • 125 Ft of Direct Lake Champlain Shoreline • Master & Bath on Main Floor • Gas Fireplace in Family Room • Move in Condition!

MLS# 154748 $469,000

144 US Oval - MOTIVATED SELLER! • 3 Story Brick Historical Townhouse • 5 Bedrooms, 2.5 Baths • Finely Crafted, Timeless Elegance • 10' Ceilings, HW Floors, Fireplaces • Lakeside Bikepath, Rec. Center & Playground Just Off Your Front Porch!

MLS# 155960 $199,900

Richard C. Jeohnson llen m. Welch

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residential Croker ommercial Investment B /sFr cell: 518-572-0882 Pesidential roperties r C ell: 518-572-3151 cell: 518-572-0882

Email: dick@adirondackcoastrealty.com

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Licensed Real Estate Brokers

Licensed Real Estate Brokers

Richard c. Johnson

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ichard ohnson associate Broker Ellen M. Welch commercial investment associate Broker ProPerties Broker/SFR commercial investment cell: 518-572-3151 esidential PRroPerties COMMERCIAL Cell: 518-572-0882 cYell: 518-572-3151

ALL STIC ED DRAEDUC R

COMMERCIAL Email: ellen@adirondackcoastrealty.com

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E A DR EDUC Willsboro Opportunity • 8100 SF Former Grocery Store R

Cumberland Head • Approx 2600 Sq ft Hillside Ranch • Open Floor Plan • 3 Bedrooms, 3 Baths • Additional Galley Kitchen on Lower Level • 125 Ft of Direct Lake Champlain Shoreline • Master & Bath on Main Floor • Gas Fireplace in Family Room • Move in Condition!

MLS# 154748 $469,000 Cumberland Head

• 10 Acre Parcel MLS# 140565 $100,000

144 US Oval - MOTIVATED SELLER! • 3 Story Brick Historical Townhouse • 5 Bedrooms, 2.5 Baths • Finely Crafted, Timeless Elegance • 10' Ceilings, HW Floors, Fireplaces • Lakeside Bikepath, Rec. Center & Playground Just Off Your Front Porch!

MLS# 155960 $199,900

NEW LISTING

Willsboro Opportunity • 8100 SF Former Grocery Store • Approx 2600 Sq ft Hillside Ranch • 10 Acre Parcel • Open Floor Plan 16 NICHOLAS DRIVE, MORRISONVILLE MLS# 140565 $100,000 • 3 Bedrooms, 3 Baths MLS# 140565 $100,000 • 3 Bedrooms, 2 Baths OFFICE SPACE FOR LEASE • Additional Galley Kitchen on Lower Level • Mint Condition NEW LISTING 144 US Oval - MOTIVATED SELLER! NEW LISTING Prime Route 3 Location • Quiet Dead End Street • 125 Ft of Direct Lake Champlain Shoreline • 2 Car Garage & Full Basement • 3 Story Brick Townhouse 345Historical Cornelia Street, Plattsburgh • Master & Bath on Main Floor MLS# 156789 $224,500 • 5 Bedrooms, 2.5 Baths MOVEinIN CONDITION • Gas Fireplace Family Room • Finely Crafted, Timeless Elegance We are a full service Real Estate Brokerage licensed to show all listings in CLINTON, ESSEX and FRANKLIN COUNTIES in Northern NEW YORK. • Move in Condition!

At Adirondack Coast Realty an important element of our business is to foster principles in real estate of dedication, honesty, unmatched professionalism and satisfaction.

28 Roxie Lane, Morrisonville NY • 10' Ceilings, HW Floors, Fireplaces 57+/Acres We have over 30 $469,000 years of local experience in residential, commercial and investment properties. We hope you will allow us to help with youron nextChateaugay move or investment. Outlet MLS# 154748 Lakeside Centerto&work Playground Just Contact us today to discuss your real estate needs•and how youBikepath, can put ourRec. experience for you.

• Corner of Bunker Rd & Route 374 • Well maintained 2345 Bedroom, 2 Bath Contemporary Off Your Front Porch!

Cornelia Street, Plattsburgh, NY 12901 • Phone 518-324-3248 • Fax 518-324-3247 • www.adirondackcoastrealty.com • Chateaugay Lake Outlet on Lower MLS# 155960 $199,900 • Additional Finished Sq Ft in Large Basement Family Room

Chateaugay Lake 16 NICHOLAS DRIVE, MORRISONVILLE • 3 Bedrooms, Bathsfor Building • Quiet Location 2ideal • Mint Condition Lot(s), Boating & Swimming Prime Route 3 Location • Quiet Dead End Street Prime Route 3 Location • Small Lakefront • 2 Car Garage &Community Full Basement 345 Cornelia Street, Plattsburgh 345 Cornelia Street, Plattsburgh MLS# 156789 $224,500 Abundant in Natural Beauty & Wildlife MLS# 167105 • $245,000 Contact Richard Johnson Real Estate We are a full service Real Estate Brokerage licensed to show all listings in CLINTON, ESSEX and FRANKLIN COUNTIES in Northern NEW YORK. We are a full service Real Estate Brokerage licensed to show all listings in CLINTON, ESSEX and FRANKLIN COUNTIES in Northern NEW YORK. Contact Ellen Welch Associate Broker 518-572-3151 At Adirondack Coast Realty an important element of our business is to foster principles in real estate of dedication, honesty, unmatched professionalism and satisfaction.

At Adirondack Coast Realty an important element of our business is to foster principles in real estate of dedication, honesty, unmatched professionalism and satisfaction.

OFFICE SPACE FOR LEASE

16 NICHOLAS DRIVE, MORRISONVILLE • Ample Storage in Unfinished Portion of Basement • 3 Bedrooms, 2 Baths • Large Manicured Lot, Patio, Deck, Balcony & 2 Car Garage • Mint Condition • Quiet Dead End Street • Quiet Dead End Street • 2 Car Garage & Full Basement MLS# 156789 $224,500

OFFICE SPACE FOR LEASE

WeReal have over 30 years of local experience in residential, commercial and investment properties. We hope you will allow us to help with your next move investment.

Estate Broker 518-572-0882 We have over 30 years of local experience in residential, commercial and investment properties. We hope you will allow us to help with your next move or investment.

MLS#166569 • or $195,000 Contact us today to discuss your real estate needs and how you can put our experience to work for you.

Contact us today to discuss your real estate needs and how you can put our experience to work for you.

Phone 518-324-3248 • Fax www.adirondackcoastrealty.com 345 Cornelia Street, Plattsburgh, NY 12901 518-324-3247 • Phone 518-324-3248 •• Fax 518-324-3247 • www.adirondackcoastrealty.com 345 Cornelia Street, Plattsburgh, NY 12901 • Phone 518-324-3248 • Fax 518-324-3247 • www.adirondackcoastrealty.com

Page 6 • November/December/January 2019-2020

Adirondack Real Estate Guide North

Adirondack Real Estate Guide North

November/December/January 2019-2020 • Page 7

Keep safe during a season of holiday ‘spirits’ The weeks between Thanksgiving and New Year’s Day are some of the most festive times of the year. Family and friends socialize and exchange gifts while many people take inventory of their good fortunes. Many things are enjoyed in abundance during the holiday season, and that unfortunately can include alcoholic beverages.

A 2018 survey conducted by OnePoll on behalf of the supplement company Morning Recovery revealed that, among 2,000 American respondents, the average person consumes twice as many alcoholic drinks over the holidays than any other time of year. That uptick in drinking likely has something to do with the holiday social scene. In normal, non-holiday weeks, Americans attend just one social event, but that number climbs to three when the holidays arrive.

The National Institute on Alcohol Abuse and Alcoholism, a division of the National Institutes of Health, warns that the holidays can be a time when some people are more likely to drink to excess in the name of merrymaking. Despite the known dangers of excessive consumption of alcohol, many people still overindulge. Perhaps some sobering statistics can be just what people need to avoid drinking too much this holiday season. SCRAM systems, which make alcohol monitoring software systems for the criminal justice market, offer these statistics.

• Seventy percent of holiday drunk driving deaths are caused by drivers with a blood-alcohol level of 0.15 or higher.

• In December 2017, 885 people were killed as a result of alcohol-impaired crashes.

• A BAC between 0.08 and 0.14 causes noticeable impairment of coordination and driving skills. It is illegal to drive at this level in all 50 states.

• One in eight drivers who consume alcohol say they’ve driven when they thought they were close to or over 0.08 BAC in the past year, according to AAA. • The NIAAA reports that 40 percent of traffic-related deaths during Christmas and New Year’s involve drunk drivers.

Alcohol lowers people’s inhibitions and affects their judgment, potentially contributing to reckless decisions. Many people think that a cup of coffee is all that’s needed to sober up and get home safely. The NIH says even after someone stops drinking, alcohol in the stomach and intestines continues to enter the bloodstream, resulting in impaired judgment and coordination for hours after one has had his or her last drop.

Impaired driving and other activities can make for unsafe conditions this holiday season. Celebrants should be aware of their alcohol intake and have responsible ways to get to and from social occasions.

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Page 8 • November/December/January 2019-20

Adirondack Real Estate Guide North

Adirondack Real Estate Guide North

November/December/January 2019-20 • Page 9

How to save up for your first home Home ownership is a dream for people across the globe. Many people save for years before buying their first homes, squirreling away every dollar they can with the hopes they can one day become homeowners.

But thanks to factors beyond their control, even the most devoted savers can sometimes feel like their dream of home ownership may never come true. According to the Pew Research Center, American workers’ paychecks are larger than they were 40 years ago, but their purchasing power is essentially the same. Things aren’t much different in Canada, where analysis from Statistics Canada and the Bank of Canada has shown that, since 2015, wage growth in Canada has been weaker than in the United States.

Various challenges can make it difficult to buy a home. However, some simple strategies can help prospective home buyers build their savings as they move closer to the day when they can call themselves “homeowners.”

• Determine where your money is going. If you’re finding it hard to grow your savings, audit your monthly expenses to determine where your money is going. Using exclusively debit or credit cards can simplify this process, as all you need to do is log into your accounts and see how your money was spent over a given period.

If you routinely use cash to pay for items, even just to buy coffee on the way to work, keep a notepad handy so you can jot down each expense. Do this for a month and then examine how you spent your money. Chances are you will see various ways to save, and you can then redirect that money into your savings account.

• Become a more savvy grocery shopper. Another great way to save more money is to alter something you

already do each month: grocery shopping. If you haven’t already, sign up for discount clubs at your local grocer. This is a largely effortless way for shoppers, especially those buying food for families, to save considerable amounts of money. Shopping sales at competing grocery stores also can save money.

Big-Time Resources Small-Town Service

• Dine in more often. The U.S. Department of Agriculture says that Americans spend, on average, 6 percent of their household budgets on food. However, the USDA also notes that Americans spend 5 percent of their disposable income on dining out. If these figures mirror your spending habits, you can nearly cut your food spending in half by dining out less frequently. That might be a sacrifice for foodies, but it can get you that much closer to buying your own home.

Saving enough money to purchase your first home is a worthy effort that can be made easier by employing a few budget-friendly strategies.

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Adirondack Real Estate Guide North

Adirondack Real Estate Guide North

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November/December/January 2019-20 • Page 11

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Birds need extra assistance in winter

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FOOD Birds require high-calorie and high-fat foods in the winter so they can keep up their metabolism to generate warmth.

Also, since birds’ feeding habits vary depending on the type of bird, it may be necessary to place feeders at varying heights to maximize access.

Feeders should be located out of the wind and in an area that offers safe refuge from predators. The National Wildlife Federation also says individuals should put out sizable feeders and/or use multiple feeders to provide ample food during snow and ice storms. Feeders should be checked regularly and kept full.

Consistency is also important because birds will grow accustomed to being supplemented with food and may depend on such supplements to survive.

Bird Watcher’s Digest suggests a variety of foods for birds.

Black-oil sunflower seeds, peanuts, suet, cracked corn, millet, thistle seed, safflower, and various fruits can help many birds thrive. It’s also suggested to include mealworms, which can be purchased at bait stores or pet stores. These larvae of beetles can be presented in a shallow dish with slippery sides so the worms cannot crawl out.

Birds typically need extra support to survive harsh winters.

Offering food and shelter during these bleak months can help.

Page 12 • November/December/January 2019-2020

Adirondack Real Estate Guide North

Cold weather can be particularly taxing on many of the birds individuals discover in their backyards throughout the year.

Although some species migrate to warmer climates each winter, many stay put and attempt to ride out winter in their normal habitats. Birds that tend to stay put include finches, sparrows, titmice, jays, woodpeckers, chickadees, and cardinals.

The Cornell Lab of Ornithology says that, in much of North America, winter days can be windy and cold for birds, and nights are even more challenging. In winter, birds no longer have berries and lush vegetation to consume and insects have died or gone underground. Since finding food can be especially difficult, and shelter may be scarce, many birds can benefit from a little help from their human friends.

SHELTER Wild Birds Unlimited says shelter for birds is hard to come by in winter. Trees have shed their leaves, and evergreens may not be as abundant or protective. As a result, birds frequently seek man-made structures that can provide refuge from the elements.

People can provide shelters for birds, which may include traditional birdhouses, windbreaks and snow shields. Even a brush pile can simulate the natural shelters of trees and shrubs that birds prefer. Roost boxes are another option and one that can accommodate small flocks that will group together and share their body heat.

Use leaves and branches to provide natural camouflage and help attract birds to the shelter. Offer yarn, fabric scraps, cotton, and other insulating materials that birds can use to help make their shelters more comfortable.

Adirondack Real Estate Guide North

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GreenwoodApartments.com 89 Greenwood Street Lake Placid, NY 12946

November/December/January 2019-2020 • Page 13

How to protect wood floors from inclement weather Wood floors are a worthwhile investment that can improve the beauty and function of just about any room in a home. Even though wood floors are durable, and new protective treatments help seal out many of the things that may have damaged floors in the past, homeowners still need to prioritize protecting their hardwood floors.

Certain seasons of the year can be more harsh on wood floors than others. For example, seasons characterized by moisture and precipitation, particularly the early spring, winter and fall, can be hard on wood floors. The experts at ServiceMaster Clean say that cold, snowy days can damage wood floors, and Lumber Liquidators agrees that winter weather can be harsh on flooring.

Homeowners need not give up on hardwood if they live in an area that sees all four seasons.

They just need to take a few steps to keep floors looking beautiful.

• Clean up the salt. Salt that keeps sidewalks and streets clear of snow and ice inadvertently gets tracked inside a home. Hard chunks of salt can scratch wood floors, and, if left to sit, that salt can eventually cause white marks and other stains. Routinely vacuuming and sweeping up salt is necessary to protect wood floors.

• Control humidity indoors. Cold, dry air in a home can be problematic because the moisture in the wood can eventually evaporate into the air. The heat will suck that moisture from the flooring, causing it to shrink, creak and splinter and become more brittle. Think about investing in an in-line humidifier for the home’s HVAC system that can keep a moderate amount of humidity in the home. Hardwood floorboards are installed to accommodate minor temperature and humidity fluctuations. This is typically a range of between 60 and 80 degrees F with a relative humidity range of 35 to 55 percent, advises ServiceMaster.

• Use the right cleaning products. Avoid excessive water to clean wood floors, and select soaps that are specially designed for wood flooring. Consult with the flooring manufacturer for a list of detergents that are safe to use.

With proper care, hardwood flooring can survive rain, snow and cold weather.

Page 14 • November/December/January 2019-20

Adirondack Real Estate Guide North

Wooden Clothes Racks

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Propane Refrigerators & Ranges

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• Use water-wicking mats. Homeowners will probably need a few extra mats around to tame errant drips and wipe shoes. Any entrance that might be used by people or pets should be protected. Try to avoid petroleum-based, rubber-backed mats, as they could discolor the wood floor.

Miller’s Country Store

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• Invest in shoe storage. Wet or snowy boots can create puddles around the house. Have a special mat or tray by the front door where wet shoes can be kept. A nice bench in the entryway makes it easy for residents and guests to remove their shoes until it’s time to go back outside.

www.adkpennysaver.com • www.adkpennysaver.com

November/December/January 2019-20 • Page 15

The threat posed by ice dams Cold, snowy weather can present various issues for homeowners to contend with. One such problem, ice dams, can cause damage to walls, ceilings and other areas.

The University of Minnesota Extension says that an ice dam is a ridge of ice that forms at the edge of the roof and prevents melting snow from draining properly. A complex combination of heat loss from a home, snow cover and outside temperatures can lead the formation of ice dams. An ice dam will be fed by melting snow above it and cause a backup at the edge of the roof.

Dams can cause gutters to tear off and loosen shingles and may lead to water backing up and pouring into the home, advises This Old House. Ice dams also can contribute to soggy insulation, making the insulation lose its protective R-value and becoming a magnet for mold and mildew.

Homeowners can do a number of things to temporarily prevent the formation of ice dams. Heated cables clipped to the roof ’s edge in a zigzag pattern can help prevent dams that lift shingles. Pushing snow off the roof can help. Laying an ice melt product in gutters to help melt the ice that forms also can prevent ice dams.

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More permanent solutions involve keeping the entire roof the same temperature as the eaves by increasing ventilation, adding insulation and properly sealing air leaks that can warm the underside of the roof. This may involve calling in a professional contractor. Such an investment is well worth it, as it can prevent much more costly damage down the line.

Page 16 • November/December/January 2019-20

Adirondack Real Estate Guide North

Adirondack Pennysaver 177 Margaret St., Plattsburgh, NY • 518-563-0100

Simple ways to keep a realistic budget Successful financial plans often begin with the creation of a budget.

A budget is an estimate of income and expenses in a given period of time. Budgets help with long-term goals like paying off a mortgage or sending a child to college as well as short-term goals like financing a dream vacation.

Not all budgets are alike, and when people hear the word “budget,” they may get apprehensive. Budgeting may require making some concessions in regard to spending habits, but it doesn’t have to put a complete damper on plans. In fact, with a budget in hand, people may be more free to spend because they will have a stronger grasp of their financial situation.

Making a realistic budget does not have to be a chore. Here is how to get started.

• List the necessities. Begin by calculating the costs associated with fixed needs, including rent/mortgage, utilities, food, and any other bills you have to pay each month.

• Add existing debt. Debt includes any routine payments being made to credit card companies, student loan lenders, car payments, or unpaid medical bills.

• Conduct a spending analysis over several months. Budgets are easier with fixed numbers, but unforeseen variables can affect spending every month. These can include the extras for clothing, entertainment and much more. Average the cost of these expenses throughout your analysis period so you can get some idea of how much to allocate for them.

• Use software or apps to help. There are plenty of resources available to help people calculate their budgets and get a picture of their financial habits. Resources such as Mint, YNAB (You Need a Budget) and various accounting programs can produce spreadsheets, pie charts and bar graphs as you work to create a budget.

• Start trimming gradually. Quitting a certain lifestyle cold turkey can be jarring. Gradually cut back on your spending if your analysis suggests that’s the way to go.

• Automate saving. Immediately removing a set amount from your paychecks by having it directly deposited into a separate account can remove the temptation of spending too much from your financial equation.

Budgets are a key part of a financial plan and can help people reach their goals.

Page 18 • November/December/January 2019-20

Adirondack Real Estate Guide North

Guiding you on the path to better health.

We’re here to help. From registration through appointments and on to finances, your journey is our priority.

518-897-APPT(2778) adirondackhealth.org

Did you know?

According to the State of the Nation’s Housing 2018 report from the Joint Center for Housing Studies of Harvard University, nearly half of all renters are paying more than 30 percent of their income on housing.

The report also noted that, between 1990 and 2016, national median rent rose 20 percent faster than overall inflation. That’s likely one reason why many people within the United States are leaving behind states that have traditionally been associated with high costs of living. An analysis of data from Realtor. com found that many Americans are leaving states with high costs of living, high taxes and lagging job markets in favor of places with more affordable costs of living. After examining data from the U.S. Census Bureau and using its own search data of homes across the nation, Realtor.com found that the state of New York had the highest negative net migration in the United States. That means more people were leaving the state of New York to live elsewhere than any other state in the country. Cost of living no doubt drives much of that migration, as a survey from the Council for Community and Economic Research found that, in the first quarter of 2018, New York was the third most expensive state to live in the United States, behind only Hawaii and California.

Adirondack Real Estate Guide North

KEENE LAKE PLACID SARANAC LAKE TUPPER LAKE

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Phone: 518-483-4125 November/December/January 2019-20 • Page 19

Construction

Homeowners

A nod to November

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There is much to be thankful for in November. Here’s a look at some of the interesting facts about the month.

• Many elections take place in the United States on the Tuesday after the first Monday in November. In 2019, Election Day falls on November 5th and includes various gubernatorial elections, mayoral races and a variety of local elections.

• November used to be the ninth month of the calendar of Romulus.

That all changed when the calendar was modified and January and February were added.

• November is 30 days long. It is one of four months that last 30 days.

• November is the last full month of the fall season in the northern hemisphere.

• The chrysanthemum is the flower of November, which is fitting since so many mums are seen during the fall.

• November’s birthstones are topaz and citrine.

• People born in November fall under the zodiac signs of Scorpio or Sagittarius.

Water

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(Formerly Grand-Union)

Call today for current price. All deliveries are made COD. We accept MasterCard, Visa, Amex, Discover, Cash & Checks.

(800) 411-FUEL Or (518) 873-9907

Page 20 • November/December/January 2019-2020

Adirondack Real Estate Guide North

Project Hot Rods • Street Cars • Used Parts

85 CONNORS RD., PERU (518) 643-8839 Mon. - Fri. 8-5; Sat. 8-12 • Lic#R3100142

An Alternative Health Care Center

PHONE: 518-493-6300 • Fax: (518) 493-6301 3083 RAND HILL ROAD. BOX 275, ALTONA, NY

Ann's Tailor Shop

Quality Repairs & Alterations ~ Including Leather & Canvas ~ Tuesday - Friday 10:00-5:00 Saturdays 12:30-5:00 Evenings ~ If Needed

3013 Main Street Peru, NY (518) 643-8025

Devil’s Den Road via Altona, NY

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We Have Used & Antique Auto Parts

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Adirondack Real Estate Guide North

Trucking

R. Tripp Trucking & Excavating Robbie Tripp, Owner 39 Mountain View Rd. PO Box 141 Dannemora, NY

518-572-6460 518-492-9253 “We Move the Earth”

Fuel

Barry Collins Oil, Inc.

• Order Online. Save $.07 per Gallon • Automatic Delivery, with our exclusive $ 100.00 no run out guarantee.

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November/December/January 2019-2020 • Page 21

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CHEAP ELECTRIC HEAT IN ROUSES POINT! 3 BR/1 bath lower duplex and 2 BR/1 bath townhouse. One block from lake. Walk to stores, laundromat. CART bus passes door. Pets may be acceptable. Call Linda at 518-335-8531 or George toll free at 877-335-8923.

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Commercial Property for lease in the City of Plattsburgh. Excellent location right next to Starbucks, great visibility from Rte. 3. Ideal for medical office, professional services or retail, with abundant parking options for 2,220, 2,620 or 4,840 sq. ft.

Customizable space, City electric heat/AC. See it today 2 Healey Avenue (518) 569-7472 DECOSTE INSURANCE AGENCY LLC - Serving Our Community.

Home, Auto, Farm, Boat, Business. Free Quotes.

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FOR RENT: WILLSBORO, small mobile home, just renovated 2 BR, W/D, large yard, landscaping, water sewer incl., $680 per month. Call 603-553-0000.

FOR RENT: Hunting land in Burke, NY. Good deer and rabbit hunting. $400 per hunting season. Call 518-493-2722

Page 22 • November/December/January 2019-20

BUILDINGS JACKED & LEVELED Houses, Barns, Camps, All Types of Foundations, Floors, Replaced or Repaired, Beams & Stonework, All Types of Drainage 518-319-6391 518-317-8520

L AU N D RY ’ S C O N STRUCTION - For all your construction and tree removal needs. 518569-9126.

PROPERTY CARETAKER SERVICE - AA ENTERPRISES: Grade C Water Operator. General Handyman. Text to 518593-1149.

2014 Subaru Forester excellent shape, summer and winter tires, automatic, red, 89,000 miles asking $9500.00 518643-7816

Summit Coins

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Reasonably Priced Cabinets for Kitchen, Bath, Office & More.

Pre-finished Rustic Maple, Hickory, Cherry, Maple, Birch, Oak, Painted, Glazed Adirondack Molding 518-643-8118 1-2 BEDROOM APARTMENT $350-$675/mo. + util.

Gray Gables, Chazy, NY. Call 518-846-8733 CHEAP ELECTRIC HEAT IN ROUSES POINT! 3 BR/1 bath lower duplex and 2 BR/1 bath townhouse.

One block from lake. Walk to stores, laundromat. CART bus passes door. Pets may be acceptable. Call Linda at 518-335-8531 or George toll free at 877-335-8923.

DALE’S MOBILE & MODULAR HOME SERVICES Interior & Exterior Work Freeze Ups 518-593-5854 GOT MUD? Driveway Stone Call Now! Super Savings!!

DD Paving 518-578-3014

Adirondack Real Estate Guide North

Susan Dawn Billow Susan Dawn Billow

Real Estate Salesperson YourAgentSusan.com | 518-726-6997

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Invisalign, Same Day Crowns New Patients Welcome

Family Smiles Dental Care

John D. Murray, D.D.S.

16 Church Street, Saranac Lake, NY 518-891-1205 jdmdds88@yahoo.com • www.saranaclakedentist.com

Service with a smile

Your local petroleum products provider.

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Adirondack Real Estate Guide North

November/December/January 2019-20 • Page 23

For a week...or a lifetime...

you’ll find it here.

Adirondack “By Owner” Real Estate For Sale • Vacation Rentals • Timeshares 1,000+ photo listings of properties‚ in every price range and style‚ located throughout the Adirondack region.

www. Adk ByOwner.com New Mobile Friendly Website Owners: Pay one yearly listing fee ONLY - we charge no commissions or extra fees when you sell or rent.

Page 24 • November/December/January 2019-2020

Adirondack Real Estate Guide North