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Four Star Realty Group


TriTown COMPUTERS Since 1999

Tires • Wheels • Hubcaps • Open 7 Days Licensed Broker, Licensed Sales Assoc. & OWNERS

308 Main Street, Middleburgh, NY 12122

Office 518-702-4194 Fax 518-702-4059

Tires Changed • Flats Repaired NEW & USED TIRES NOW IN STOCK - 13”, 14”, 15”, 16” & 17”

security systems - pc’s - laptops



Free Estimates


518-495-9464 Tracy 518-209-5369 Lisa


Cobleskill Schoharie

• DMV #2601356


Schoharie Edition

836 Main St. (across burger king) 291 Main St. (across parrott house)

Let the heavens rejoice, let the earth be glad; let the sea resound, and all that is in it. Let the fields be jubilant, and everything in them; let all the trees of the forest sing for joy. ~ Psalm 96:11-12

518-234-1679 518-295-6342



*Whole Grain Organic Flour Milled Here

F RESH *Premium Organic Hand Crafted Loose Teas

NO MEMBERSHI P FEE Dried Fruits & Nuts - Candy & Snacks Baking/Cooking Supplies

CO-OP S PRICE Monday - Thursday 10-6 O nl y 2 0 minutes Friday 10-7 • Saturday 9-3 fro m Rotterda m

10105 Western Turnpike, Delanson, NY 12053

518-875-6444 • Clean & Ample Parking

Howard and Sons Roofing & Remodeling • We Aim To Please You •


• • • • •

Roofing Flooring Framing Decking Windows, Doors

• • • • •

Siding Sheetrock Kitchens Baths & Much More Fully Insured

“A” Rated on Angie’s List

Free Estimates Matthew Howard Sr. - Owner & Operator Matthew Potter - Co-Owner

Present This Ad & Receive 10% OFF


Middleburgh Trading Post


2084 SR 145 POB 111 MIDDLEBURGH, NY 12122

A visual experience


Open: Friday, Saturday, Sunday, Monday 11am-5pm

June 2013 • DollarSaver Section A • Page 2

Wheel-Care Inc.

After The Sale It’s The Service That Counts Specializing In Wheelchairs - Scooters - Lift Chairs Sales - Service - Rentals Power - Manual - New - Gently Pre-Owned All Makes - All Models

Repairs-R-Us Full Repair Shop On Premise Same Day Service In Most Cases Pick-up - Delivery Available - Factory Authorized

Family Owned & Operated Since 1985 P.O. Box 386, 2555 Western Ave. 456-6719 Guilderland, NY

2013 Special $ 200 Off MSRP



CONSTRUCTION SERVICES LLC A locally owned and operated family business with over 35 year’s experience

Specializing In

Kitchen & Bath Remodeling

Ceramic & Glass Tile, Stone, Marble, Mosaic Showers, Floors, Backsplashes, Fireplaces Cabinet Refacing / Custom Designs

(518) 698-6763

Call for your free estimate All work is guaranteed

“ Wee Comee to You” Now is a good time to get your grill serviced.

Specializingg In Replacement Parts • Cleanings Inspections • Service • Accessories Ask About A Free Text Reading Booking Parties - Host Receives Free Reading

Call us at 518-725-7307


COME JOIN THE FUN & BE ON TV! Psychic Talk Show!!


7 Psychics will join us to celebrate John Cancio’s 7 years of “TRUE TALK” Television

(518) 895-5368


(518) 598-4514

MONDAY, JUNE 10TH; ARRIVAL TIME 5:45 PM Location: PROCTORS UNDERGROUND 432 State Street in Schenectady (Go downstairs next to the box office)

Reserve seats by e-mail or Call 518-982-0016

Violins, Violas, Cellos Violoncellos Bows and Accessories by MARCHITTO

Our latest addition

Nothing but strings... Since 1976




• Frameless • Semi Frameless • Framed

Frank J. Marchitto, owner

~ Schooll Rentalss ~

A Full Service Remodeling Company Specializing in Glass Shower Doors and Surrounds. Free Estimates

Pre-Register • Reserve Now! 518-370-0832 Two Locations to Better Serve You 511 South Avenue Schenectady, NY 12305 (518) 370-0832 (primary shop)

le a gS a l F

Hours by Appointment 5 Fruitwood Drive Burnt Hills, NY 12027

(518) 256-1961 email:

OPEN Saturdays 9:00-Noon

’s try oun C ur ly ly O oud ...F lag Pr F



MADE IN AMERICA # Wooden Flag Poles # Brackets # Pulleys & Ropes # Non Tangling Flag Poles

3’x5’ Polywear Flag & Pole Kit



Storm Window & Screen Repair

WAYSIDE HARDWARE 209 Sacandaga Rd., Scotia



PROUD MEMBER OF THE “BBB” Kevin 518-774-4617

Licensed and Insured

Marty 518-292-8378

WE BUY HOUSES Any Condition • Any Location

Behind in Taxes or Mortgage, Bankruptcy?

Bad Tenants or Probate!

Upstate Properties, LLC (518) 365-9428


Page 3 • DollarSaver Section A • June 2013

Adirondack Grill Doctor

June 2013 • DollarSaver Section A • Page 4

Mark Fowler Sales Manager 518-673-0116 John Snyder Sales Associate 518-673-0129

Jed Suits Sales Associate 518-673-0131 Kristen Lee Sales Associate 518-673-0100 Leann Lewandowski Sales Associate 518-526-1628 • 518-915-3562

Linda Laveway Sales Associate 581-466-6635 Mary Skinner Sales Associate 518-673-0130

Deadline for July Issue is Thursday, TH June 27 Call Mark Fowler for more information 518-673-0116 or 857-523-8417

Page 5 • DollarSaver Section A • June 2013

TriTown COMPUTERS Since 1999

security systems - pc’s - laptops


Cobleskill Schoharie

836 Main St. (across burger king) 291 Main St. (across parrott house)

518-234-1679 518-295-6342

PO Box 6 ~ 7608 Western Turnpike, Duanesburg, NY 12056


A Large Multi-Dealer Center January-February closed Tues. & Wed. • March-December closed Wed. HOURS: Dailyy 10AM M - 5PM

Accepting Visa MasterCard and Discover

Get Your African, Latino and Caribbean Products We Also Carry a Selection of Mexican Food

Nana’s Market 165 4th St., Troy, NY 12180 *Easy Parking*


We Sell & Activate Phones We Buy New/Used/Broken Phones We Fix iPhone Screens For Only $7500


(518) 233-9300

Visit Us At TROY MART 644 2nd Ave., Troy, NY

HUNTING FOR TIRES? Why Don’t You Shoot Over to Our Place? No appt. necessary


TIRE SERVICE, LLC 59898 St. Hwy. • PO Box 33 Grand Gorge, NY 12434-0033 Open: Mon.-Fri. 8-5; Sat. 8-Noon

607-588-7501 1-800-548-4737

June 2013 • DollarSaver Section A • Page 6


584-1320 Serving The Capital District Since 1945 • ALL WORK GUARANTEED • QUALITY WORKMANSHIP • Free Estimates • Fully Insured

SPRING SPECIAL 10x150 $2500 COMMERCIAL • Parking Lots • Resurfacing & New Work • Repairs

RESIDENTIAL • Driveways • Resurfacing & New Work • Repairs



We are always concerned about the best interest of our customer.

• Commercial/residential • Asphalt paving • Basketball courts • Dig outs and replacement driveways • Water Drainage and runoff • Windows & Sliding Door Replacement & Installation • Carpentry

John Paddon Fully Insured


We Buy Old Barns


Page 7 • DollarSaver Section A • June 2013

“A Name You Can Trust”

June 2013 • DollarSaver Section A • Page 8

Howard and Sons Roofing & Remodeling • We Aim To Please You •


• • • • •

Roofing Flooring Framing Decking Windows, Doors

• • • • •

Siding Sheetrock Kitchens Baths & Much More Fully Insured

“A” Rated on Angie’s List

Free Estimates Matthew Howard Sr. - Owner & Operator Matthew Potter - Co-Owner

T he e Tire e Shop A Multi Line Dealer



Best Quality • Best Service • Best Price

87 Milton Avenue, Ballston Spa, NY 12020


Mon., Wed. Thu. 10-5:30; Fri. 10-5; Sat. 10-3

You’re Gonna Love It!

Frame That Hard-Earned Diploma NOW! Frame Your Graduate!

Storage Sheds Garden Sheds & Garages Standard, Economy or Custom Built

Available in Duratemp & Vinyl

Lancaster County style sheds built in East Central New York. Buy direct from the builder and save money. Financing available. Rent to own. Delivery & Set-Up Available Serving The Entire East Coast • 518-673-1073

Gift Certificates Available to take to the party!

Amish h Countryy Commons Located in the Heart of Montgomery County Amish Country

• Amish Made Crafts • Primitives • Jewelry • Scarves • Handbags Vendor • Baskets • Whoopie Pies Space Available and Much More We Will Be Offering Folk Art Classes (call for info)

61433 Statee Hwy.. 5,, Palatinee Bridge,, NY • 518-993-3311 HOURS:: Thurs.. & Fri.. 11-5, Sat.. 11-4

Summer is upon us, and with it comes the desire to try a fresh, new look. Many people like to lighten their hair to give it a sun-kissed appearance. While plenty of people head to their nearest salons for a desired treatment, those who would rather skip

the chemical applications can rely on some natural products and still get the result they're looking for. * Lemon juice: Apply 1/2 cup of lemon juice to the hair and sit in the sun or use a hair dryer to heat it up to provide subtle lightening.

* Chamomile tea: Brewed chamomile tea can be added to a mild shampoo and used as a lightener. The chamomile solution also can be blended with plain yogurt and applied to the hair, left to sit for 30 minutes and shampooed out.

Page 9 • DollarSaver Section A • June 2013

Lighten hair naturally

* Honey: By mixing a ratio of 1 tablespoon honey to 6 tablespoons distilled water, you can activate the natural hydrogen peroxide present in honey and lighten hair. Keep in mind that these lightening methods are gradual and will not produce the same effects as chemical lighteners.





(518) 882-5445

100 Off


Any Paving Work Scheduled by May 15th Must present coupon at time of estimate

NYS Approved Materials All Calls Answered within 24 / HOURS

FREE Estimates Same Day Service

One Full Year Warranty

WD Residential • Commercial I I I I I I I I


Family Owned & Operated

For Over 30 Years

518 365 2063

June 2013 • DollarSaver Section A • Page 10


Market Street Antiques 176 North Pine Street Gloversville

We Buy Gold & Silver Office 518-921-4195 Cell 518-844-2748

145 years combined experience

119 Maple Avenue, Altamont, NY 12009

518-861-5723 JUNE SPECIALS

50 Hour Swedish or Deep Tissue Massage $ 10 Off a Royal Pedicure $ 50 European Facial


Dawn Munroe Hairstylist

Dorothy Boucher Hairstylist & Makeup

Kristine Skinner Hairstylist, Massage Therapist and Nail Technician Tammy Lounsbury Hairstylist

Lisa Bassler Hairstylist

Elise Herzog Nail Technician

Rhonda Flansburg Hairstylist Gabrielle Butler Makeup, Waxing, Nail Technician & Hairstylist

Melissa Whipple Massage Therapist

Stacy Tanner Esthetician & Waxing

Estates Wanted!!

Page 11 • DollarSaver Section A • June 2013

Re-Nue Spa


June 2013 • DollarSaver Section A • Page 12

BARN RESTORATIONS Barns - Camps - Houses - Garages


(518) 893-6049 Insured With 50 Years of Experience When you are in doubt, be still, and wait; when doubt no longer exists for you, then go forward with courage. So long as mists envelop you, be still; be still until the sunlight pours through and dispels the mists -- as it surely will. Then act with courage. - Ponca Chief White Eagle (1800’s to 1914)




For those who do not know; Angie suffered a traumatic injury Labor Day weekend 2012. Unable to work since the injury; the mounting medical bills and daily cost of living has become overwhelming. Angie has paid it forward by helping the people of our community many times in the past, now it is OUR turn to pay it forward!

There will be a mini-ride in her honor for those who want to make some noise! Signup at 11am at TJ’s Flightline Pub, Kickstands up at 11:45! Stopping at The Bad Pig Saloon, The Sawmill Tavern and returning to TJ’s Flightline by 2pm. $20/person or $30/couple includes buffet upon return.



Location: Fonda, New York off NYS Thruway Come To The Battle of The Bands, & Battle of The DJ’s/EDM’s on August 17-18, The Fonda Fair Grounds FREE SCHOLARSHIP REGISTRATION/FREE CONTESTS

2991 State Highway 5S Fultonville, NY 12072 518-853-4500

Welcome to the interstate Rocks 4 our Church, The Progressive Church! We R having a 2 day “Battle of the Bands” and “Battle of the DJ’s/EDM’s on August 17th and 18th, 2013 @ the Fonda Speedway and Fair Grounds! There will be 40 acts with both rock and roll bands, and great DJ’s and EDM entertainers! The first prize will be a professional recording session and the second prize will be a beautiful painting! There will be all ages allowed and many vendors to buy goods from! There will be food, light beer/soda, and many other specialty food vendors, clothes vendors, radio stations, and interviews 4 our new “Youtube Church Station”! There will be free drawings 4 prizes and our Hostesses will be helping everyone! Rock, Dance Music, and a full concert music platform. What a day, and what a two day event! The admission fee is only $2000 per day, and $3700 for both days, all day! Welcome all! A list of groups will appear in the local newspapers soon! Everyone bring their friends, and have a good time! There will be an independent Film Director here both days, to interview both girls and guys 4 a new picture that will be shot in 2014! It is a free interview and U might get a chance to be in a feature film! We will be filming during the festival 4 our new “Youtube” Station!

Save this ad to enter the free College Scholarship Drawing

1550 Altamont Ave., Rotterdam, NY 12303

Best Bar-B-Q In The Capital District!

New & Refurbished

CALL FOR TAKEOUT: 518-356-0650






Computer Diagnostic

Virus Removal Specialists

SERVICES In Home & Commercial • Computer Repair • Computer Upgrades • Computer Consulting • Custom Built Computers

518-356-3800 10% Off Instore Repair • See Store For Details

Enable Your Mobility, LLC 299 Northh Mainn St.,, Gloversville 518-921-4023

Sales, Service, Rentals & Batteries

Scooters, Power Chairs, Wheel Chairs, Stair Lifts, Hip High Chairs & Lift Chairs

Take 20% OFF MSRP on All Scooters & Lift Chairs! We Now Have

Used Stair Lifts! Stay in your house & have access to your upstairs!

FREE INSTALLATION On Scooter & Powerchair Batteries

We Sell Interstate Mobility

Get out and enjoy the outdoors again!

Call To

Book Your Party • Office Party • Church Event • Customized Parties


671 Mariaville Rd., Schenectady, NY 12306 (Behind DelGallo Country Pools)

HOURS: Sun.-Thurs.: 11am-8pm; Fri. & Sat.: 11am-9pm CLOSED TUESDAYS NOW DELIVERING ON FRI. & SAT. 4-9PM

Grandma Millie’s Bakery & Café “Where the view is beautiful and the food is heart warming” Fulton County Airport - Johnstown, NY 518-775-6348 “Full Service Bakery” Also Serving Breakfast & Lunch

Treat Your

Reward Your

Dad... Grad... Graduation Cakes Breakfast on Father’s Day 8am-1pm

Cookies Cupcakes Dessert Table

Upcoming Special Event... Pancake Breakfast Fly-In or Drive-In June 22, 2013 8am-1pm Open: Tuesday-Friday 8am-4pm; Saturday & Sunday 8am-1pm

Page 13 • DollarSaver Section A • June 2013

Computer Repair & Upgrades

June 2013 • DollarSaver Section A • Page 14

DREY’S CA$H IN ADVANCE THIS “N” THAT We Buy Gold, Silver, Electronics, Computers & Coins Almost Anything of Value

We Sell Hats, T-Shirts, Jeans and Gold Caps

71 Central Avenue, Albany, NY

A Full Variety Store

Albany’s Most Unique Gift Shoppe & Florist  Garden & Porch Decor  Twig & Berry Wreaths  Potted Plants   Burlap Accessories  Country & Primitive Home Decor  Treasures Old & New   Country Cut Bouquets  Creative Reception Arrangements   Custom Bridal & Bridesmaid Bouquets  We can work within your budget!! 

Visit Us For Your Wedding Needs Be sure and check out our website. WE DELIVER!

230 Washington Ave. Albany, NY 12210 Cell: (518) 334-0979

2080 Western Ave., Rte. 20 518-452-0920

Call Mike (518) 330-7519 (718) 810-3703 or Chris 10% Off All Clothing (518) 334-0979 PRESENT THIS AD

Hamilton Square (The 20 Mall) Guilderland (2 mi. west of Crossgates Mall) “We really are worth the trip!”


Stop in today and join Doug’s Pool Chlorine Club*

For Your Do It Yourselfers: 24’ Nova

2625 29


Also Stop In For: • Water Tests • Spin Lab • All Your Chemical Needs • Pool Accessories & Toys You’ve tried the rest, now try the best 25 Years of Experience 44 West Main St., Mayfield, NY 12117 Call us at 518-661-7665 for all your pool needs *Buy (5) 5 Gal. jugs of chlorine and get the sixth 1/2 off with dep.

Monday - Friday 8-6, Saturday 8-2


Stopnd a browse!

Looking for a bargain or that very special antique treasure? You never know, you might find it right HERE! Featuring: Furniture • Glassware • China • Collectibles

100’s of Decorative Items to Accent Any Home!

BUYING GOLD and SILVER In-Shop Evaluations Open Mon.-Sat. 10-4 ~ Sunday - Call

378-3834 Shop • 843-0417 Home

Something Olde, Something New... 1969 New Scotland Road, Slingerlands • 475-0663 Consignment Shop featuring: Women’s Fashions, Shoes & Handbags... Furniture, Linens & Vintage Home Decor

Gifts for Grads & Dads: Many great summer accent pieces ~

Wicker, Rattan, metal garden art & some just plain unique & unusual gift ideas. Nice furniture for that 1st apartment & GIFT CARDS, the perfect gift for the hard to shop for! Lady Bug Products Sold Here Tues.-Sat. 10am to 5pm Thurs. 10am to 7pm

Attention! This Offer May Be Removed At Anytime...

FREE! The “Secret Formula” That Took Me From Being Over $40,000 in Debt, to Traveling Around The World and Making a 6-Figure Income From My Home Computer.

Now You Can Too!!! Warning: This is only for people serious about making money online...FAST!

Much of the public now recognizes the dangers of overexposure to the sun. Skin cancer ranks as one of the most common forms of cancer across the globe, and individuals are increasingly conscientious about protecting their skin from damaging ultraviolet, or UV, rays. Certain natural sources might be able to reduce the risk of skin cancer. Leafy vegetables Spinach may not only provide Popeye with his strength, but it also may help reduce your risk of developing skin cancer. Researchers from Queensland, Australia found that eating leafy green vegetables plays an important role in reducing skin cancer risk as wearing protective clothing and sunscreen. The study, led by Dr. Jolieke van der Pols from The Queensland Institute of Medical Research, was conducted over 11 years and studied 1,000 people from Sunshine Coast, Queensland. Researchers discovered that participants who consumed at least three servings per week of

green vegetables could cut their chances of developing skin cancer by up to 55 percent. It is believed the variety of nutrients found in the vegetables, including folic acid, vitamin A and C, as well as the carotenoids lutein and zeaxanthin, work together to fight cancer. Tea Years ago, researchers at the University of Minnesota Hormel Institute tested a solution containing chemicals known as polyphenols. The solution, which was made from extractions from green tea, was tested on live mice that were exposed to UV light. The study found that a protein labeled JNK-2 is directly related to the development of skin cancer, and this protein could be blocked by the application of polyphenols. This application helps reduce the formation of skin tumors. While drinking tea has long been touted as a way to prevent various cancers, this study looks at the way the tea applied topically also can help. Cover Up

Applying a sunscreen is one of the easiest and more popular ways to protect the skin, but some people worry about the side effects of chemicals used in popular sunscreens. Covering up the face and skin as much as possible is one way to reduce exposure to such chemicals. Wear a densely woven hat with a brim that features at least a two- to three-inch overhang, which can protect the face, neck, ears, eyes, and lips from the sun. Dark-colored clothing also can help block the sun's rays. Although it may seem odd to wear long sleeves and pants in hot temperatures, doing so can prevent UV exposure. Aspirin In 2013, new information was published in Cancer, the American Cancer Society's medical journal, that linked daily aspirin therapy to a decreased risk for melanoma -- the deadliest form of skin cancer. According to the research, data was collected on nearly 60,000 white women ages 50 to 79 years. The women were

studied for 12 years, and the study found that the women who took 81 milligrams of aspirin daily had a 21 percent lower risk of developing melanoma than those who did not take aspirin. While it is still too soon to make the recommenda-

tion that all women should take aspirin daily, some doctors feel the benefits outweigh the risk for those with a family history of melanoma. Avoidance The recommendation to avoid the peak hours of the sun is still a viable method to preventing skin cancer. Peak hours are between 10 a.m. and 4 p.m. during the sum-

mer in the northern hemisphere. The hours may be different depending on where you live and your proximity to the equator. Remain indoors as much as possible during peak hours. There are a variety of different ways to lower your risk of developing skin cancer, many of which are natural.

Grill a sumptuous Mediterranean pizza pie Taken from the new edition of the Griller's Handbook (by Broil King), this recipe provides an excellent base for grilled pizza, with options to change toppings for your flavor preference: Mediterranean Thin Crust Pizza Ingredients 1 pizza crust (thin homemade or thin premade) 1 boneless chicken breast (pre-grilled) 200 grams feta cheese Kalamata olives -- remove pits Sun dried tomato Red onion Fresh basil Balsamic Vinaigrette 3 tablespoons olive oil 3 tablespoons balsamic vinegar

Crushed chopped garlic to taste Directions Lightly oil pizza crust on both sides using olive oil. Place chicken and vegetables on pizza dough as desired. Sprinkle generously with crumbled feta cheese. Drizzle with balsamic vinaigrette, and sprinkle chopped fresh basil over pizza to taste. Broil King recommends its Stone Grill Set, which is specially designed for pizza. Place it in the center of your barbecue's cooking grids. Turn all burners to high and preheat grill to 400-600*F. Reduce temperature to medium/medium-high to

maintain a temperature around 450*F. Using a well-floured pizza peel, slide the uncooked pizza onto the pizza stone. Check the pizza frequently -- depending on thickness of crust, this will take between 8 and 20 minutes. Pizza is ready when cheese has melted and bottom is browned. Remove from pizza stone with the wooden pizza peel. Allow stone to cool completely before attempting to remove from grill. More recipes and information can be found online at

In Stock Products:

In Stock Products:







New Showroom

Tracy Craig, Owner

Jim Reynolds Sales Mgr.

Large Warehouse

48 W. Main St., Fonda, NY 12068 • 518-853-3666

Page 15 • DollarSaver Section A • June 2013

Green ways to protect your skin

June 2013 • DollarSaver Section A • Page 16

Dear God Q & A Ministries

Dear God, I want to thank you and all of the individuals who responded to my request on the topic: “The Bible – Myth or Truth” I asked the following questions and received great input and honesty from the readers. • What proof do you have that there is a God? • If there is a God, does every religion have the same God? • Jesus; is He God or is He man or just a mythical figure? • Many people say that they are religious, what makes a person religious? • Why do religious people argue over what they believe the Bible says? • If there is a heaven, are Christians the only ones who will go there? I received an A- on my report and I am very pleased. In using the comments from those who responded to these questions, both pro and con, and combining them with my personal studies on this subject, I concluded the following which I believe might have impacted my grade. My concluding statement In conclusion, I must proclaim that the existence of God cannot be disputed. When we look at all of the knowledge of this world, each individual has to agree that, at the close of the day or at the end of their lifetime, they would not be able to grasp even the half of it. You may read every scholar’s writings, you may sit under the top professors, or gather knowledge from the World Wide Web, and realize that you have just scratched the surface of knowing all things. If that be the case, then there must be a possibility that in the other portion or portions of knowledge that you cannot reach, there can exist a CreatorGod. Thus, if this statement is true, then the answers to the remaining questions must fall into the same possibilities; for if God does exist and the words written in the Bible are truly “The Word of God”, then there is only One legitimate God. In the same way; if the Bible truly is the “Word of God”, then Jesus was, is and always will be God, according to what is written. Therefore, making a person who believes the Bible a “Christian” but not necessarily a “religious” person; for there is a distinction. If therefore, an individual chooses not to believe, it does not make that which is true; a lie. What proof do we have that God exist? In the understanding that we cannot embrace all knowledge. Therefore, God’s existence is conceivable in the realm of the lack of total comprehension of mankind in the subject of absolute knowledge. Thank you for allowing me the opportunity to share my project. Carrie Ann

Few things seem more whimsical and magical on a warm night than watching fireflies blink on and off and wondering where one will turn up next. At any given moment, there may be dozens of fireflies lighting up the night sky, providing the perfect opportunity for kids and adults to go outside and collect a few insects for a closer look. The Smithsonian Institute says there are more than 2,000 species of fireflies, also called lightning bugs, around the world. Only some species produce adults that glow. Fireflies are a type of beetle that use their illuminated bottoms to attract females. Often the males will fly around while the females wait in bushes and trees for their mates to arrive. Each species of the insect has its own language of flashing light. Some fireflies produce a

green light, while others lean toward yellow or orange. Two chemicals, called luciferase and luciferin, are present in a firefly's tail, and these chemicals account for the insects' bioluminescence. Luciferase is an enzyme that triggers light emission. Luciferin is heatresistant, and it glows under certain conditions. Chemicals inside the firefly's body convert energy to initiate the glow in its tail. One hundred percent of the firefly's energy is emitted as light, making it a very efficient light producer. Because there is no heat generated from this light, it is known as cold light. Although the glowing mechanism known to fireflies is largely exhibited by the adults flying through a summer sky, the larvae and eggs of some species also emit light. They use the light to deter predators and inform them that they do

not taste good. While fireflies are often seen in a pleasing light and as harmless bugs, they may not be so harmless within their social circles. Some fireflies are carnivorous. Larvae eat snails and worms. Some fireflies feed on other fireflies and will mimic the flashing pattern of a certain species to lure in a meal. But scientists have not observed fireflies eating other species of bugs and are not even sure if

fireflies eat much at all. Catching fireflies Many people have fond childhood memories of running through their yards catching fireflies. Fireflies are present on every continent except Antarctica, so there is a good chance you can find fireflies in your own yard, though they tend to congregate in long grasses and marshy areas around ponds, lakes and streams and, as a result, may be more populous in these areas.

In order to catch fireflies successfully, turn off the exterior lights of your home and have a container ready. Punch holes in the lid of a jar to allow air to penetrate and put in a damp piece of paper towel to make sure the fireflies will not dry out. Use care when catching the fireflies, which are fragile. Working with a net is often better than bare hands, particularly for children who may not be so gentle.

Only keep the fireflies for a day or two before letting them go. Otherwise you're bound to find a jar of deceased fireflies. According to the Firefly Organization, firefly numbers are dwindling, largely due to light pollution and overdevelopment. Human lights interrupt flashing light patterns. Therefore, any fireflies that are captured should be promptly returned to the wild.

Reasons to include more dairy in your diet A healthy diet can improve quality of life and reduce a person's risk of developing disease or other negative health conditions. For example, a diet rich in fruits and vegetables can boost the immune system and promote cardiovascular health, lowering your risk of heart disease in the process. While the benefits of including fruits and vegetables in your diet are widely known, the medical benefits of dairy are often overlooked. The following are a handful of ways that dairy products like low-fat milk, cottage cheese and yogurt can

make a nutritious and beneficial addition to your diet. * Dairy packs a protein- and calcium-laden punch. One cup of nonfat yogurt can provide as much as one-third of your daily recommended calcium intake and nearly 20 percent of your daily recommended protein intake. Though dairy products like ice cream don't pack the same nutritious punch as yogurt, healthier fare like reduced-fat cheese and skim milk can go a long way toward meeting your daily intake of protein and calcium. * Dairy is a great

source of vitamin D. In addition to providing sufficient calcium and protein, dairy also helps men, women and children boost their vitamin D. That's especially important in the winter months when people tend to get less exposure to the sun. Exposure to the sun is a natural way to boost your vitamin D, but the shorter days and colder weather of winter can make it hard to get sufficient vitamin D during that time of year. Dairy products like lowfat milk can boost your vitamin D, which can improve your bone health and, according to recent research, might help reduce your cancer risk. * Dairy may help lower your blood pressure. Men and women with high blood pressure might benefit from including more dairy in their diets. In a study of 5,000 adults, Spanish researchers found that those who reported consuming the most low-fat dairy products were more than 50 percent

less likely to develop high blood pressure than those who consumed less low-fat dairy. Though researchers are not certain as to the reason behind low-fat dairy products' impact on blood pressure, some theorize that their calcium and protein content are likely behind the benefit. * Dairy benefits your bones. Dairy has long been known to improve bone density. But it's not just seniors who benefit from the bonestrengthening impact of dairy. Youngsters who consume dairy can also expect an increase in bone mass, which can make them less susceptible to injuries like broken bones. Seniors who consume dairy to improve their bone density should know that a recent study from researchers at the Institute for Aging Research found that not all dairy products are equal when it comes to improving bone density. While milk and yogurt were linked to higher bone mineral density, dairy products like cream and ice cream contain less protein, calcium and vitamin D and more fat and sugar than yogurt and milk, and these products may actually be associated with lower bone mineral density. Though there are many ways men and women can improve their overall health, it's important to consider the nutritional value of dairy when making any alterations to your diet.

Page 17 • DollarSaver Section A • June 2013

The science behind fireflies

June 2013 • DollarSaver Section A • Page 18

Page 19 • DollarSaver Section A • June 2013

Home,, Family,, Friendss & You The Kitchen Diva by Angela Shelf Medearis Carrots — from top to bottom The carrot is a very versatile vegetable. It can be used as a starter, main course, dessert or just as a snack. Carrots can be eaten raw or cooked in almost any manner imaginable. Carrots help to maintain acidic and alkaline properties in the system. They provide important vitamins for eyes, skin, bones, heart and muscle health. Carrots also can act as a blood purifier, a diuretic and help to relieve flatulence or colic. The mineral content in carrots lie very close to the skin and should not be peeled or scraped off. When selecting carrots, make sure that they are a deep, rich color. The deeper the carrot’s color, the more beta-carotene it contains. If you’re buying the carrots with the leaves, select ones that are moist and a bright green. Remove the carrot greenery as soon as possible because it robs the roots of moisture and vitamins. You can eat the green tops in a salad or use them similar to the way that you’d use fresh herbs to sprinkle on a dish. Carrots that are less than 8-inches long and relatively uniform in shape and size are the best selection. Carrots should not bend when gently tested. They also should be well-shaped, firm and smooth with no cracks. They should not look wilted. When grated, carrots should be quite juicy. Carrots are often sold with the tops removed. To judge the freshness, check the top of the carrot for darkening. Whether loose or in plastic bags, avoid carrots with green shoots sprouting out (not to be confused with their green tops) yellowed tips, soft spots or withering, as these are a sign of age. Carrots that have an excessive amount of new sprouts or

leaves could have large or woody cores. Also avoid carrots with large green areas at or near their tops. This indicates sunburn damage. Before storing carrots, remove their green tops, rinse, drain and put the carrots in plastic bags. Store them in the coldest part of the refrigerator with the highest humidity, they’ll last several months this way. To keep the carrots crisp and colorful, add a little bit of water in the bottom of the plastic storage bag; this will keep the carrots hydrated. Carrots should be stored away from fruits such as apples, peaches and pears that release ethylene gas, which causes carrots to become bitter. If carrots have become limp or dehydrated, cut off one of the ends and place the carrots, cut side down, in a bowl of ice water for about half an hour, to recrisp them. The coarse, inner core of older carrots should be removed. This Herb Carrot and Mushroom Loaf is an unusual way to serve carrots. It’s a great side dish with roasted meats or fish, and makes a delicious main course for vegetarians.

Herb Carrot and Wild Mushroom Loaf 1/4 cup butter, plus 3 tablespoons for buttering pan and topping loaf 1 cup chopped onions 2 cloves garlic, minced 4 1/2 cups grated carrots 2 cups sliced, wild mushrooms (cremini, shiitake, porcini or Portobello) 1/2 cup chopped celery 1 1/2 tablespoons Italian seasoning 1 teaspoon salt 1 teaspoon freshly ground black pepper 5 large eggs, lightly mixed 1 1/2 cups fresh, whole-wheat breadcrumbs 1 cup grated cheddar cheese 1. Preheat oven to 350°F. 2. In a large skillet, melt butter over medium-high heat. Add onions and cook for 3 to 5 minutes until golden. Add garlic and cook for 1 to 2 minutes. Add

stock.xchg photo

carrots, mushrooms, celery, Italian seasoning, salt and pepper. Saute until vegetables are soft, about 5 minutes. 3. Pour carrot mixture into a large bowl. Add eggs to the bowl, and 1 cup of breadcrumbs and 1/2 cup of the cheese. Reserve remainder of breadcrumbs and cheese to sprinkle on the top of loaf. Mix the ingredients until well combined. 4. Spread the 2 tablespoons of the butter on the bottom and sides of a 9 x 5 inch, oblong baking pan. Spread the carrot mixture into the pan. Sprinkle with remaining cheese and breadcrumbs. Cover with foil and bake for 30 minutes. Remove foil, dot with the remaining tablespoon of butter, and bake for 5 to 7 minutes until brown on top. Makes 4 to 6 servings. (c) 2013 King Features Synd., Inc., and Angela Shelf Medearis

Comfort foods made fast and healthy by Healthy Exchanges

Hot dog casserole When you find tasty ways to combine kids’ favorite foods, “kids” of all ages will lick their plates clean! Best of all, this is ready to serve in less than 10 minutes from the moment you start to when you can call, “Come and get it!” 1 (10 3/4-ounce) can reduced-fat cream of mushroom soup 1/4 cup fat-free milk 1 cup shredded reduced-fat Cheddar cheese 2 cups cooked elbow macaroni, rinsed and drained 8 ounces reduced-fat frankfurters, diced 1 teaspoon dried parsley flakes 1/8 teaspoon black pepper 1. In a microwave-safe 8-cup mixing bowl, combine mushroom soup, milk and Cheddar cheese. Microwave on HIGH (100 percent power) for 4 minutes, stirring after 2 minutes. Add macaroni, frankfurters, parsley flakes and black pepper. Mix well to combine. 2. Continue microwaving on HIGH for 4 to 5 minutes or until mixture is heated through. Mix well before serving. Makes 4 (1 cup) servings. • Each serving equals: 263 calories, 7g fat, 18g protein, 32g carb, 957mg sodium, 1g fiber; Diabetic Exchanges: 2 Meat, 1 1/2 Starch. (c) 2013 King Features Synd., Inc.

This week’s Sudoku solution

June 2013 • DollarSaver Section A • Page 20


Number / Classification 20 Air Compressors 25 Air Tools 35 Announcements 40 Antique Tractors 45 Antiques 55 Appraisal Services 75 ATV 80 Auctions 110 Bedding Plants 120 Bees-Beekeeping 130 Bird Control 155 Building Materials/ Supplies 157 Building Repair 160 Buildings For Sale 165 Business Opportunities 170 Butchering Supplies 175 Cars, Trucks, Trailers 180 Catalogs 190 Chain Saws 195 Cheesemaking Supplies 200 Chippers 205 Christmas 210 Christmas Trees 215 Collectibles 235 Computers 265 Construction Equipment For Rent 270 Construction Equipment For Sale 275 Construction Machinery Wanted 277 Construction Services 280 Construction Supplies 325 Custom Butchering 330 Custom Services 360 Deer-Butchering & Hides 370 Dogs 410 Electrical 415 Employment Wanted 417 Energy 440 Farm Machinery For Sale 445 Farm Machinery Wanted 447 Farm Market Items 460 Fencing 470 Financial Services 480 Fish 490 For Rent or Lease 500 For Sale 505 Forklifts 510 Fresh Produce, Nursery 525 Fruits & Berries 530 Garden Supplies 535 Generators 575 Greenhouse Supplies 580 Groundcover 585 Guns 600 Health Care/Products 605 Heating 610 Help Wanted 700 Lawn & Garden 760 Lumber & Wood Products 790 Maple Syrup Supplies 805 Miscellaneous 810 Mobile Homes 815 Motorcycles 820 Nurseries 840 Nursery Supplies 855 Orchard Supplies 910 Plants 950 Real Estate For Sale 955 Real Estate Wanted 960 RVs & Motor Homes 975 Rentals 1040 Services Offered 1075 Snowblowers 1080 Snowmobiles 1130 Tractors 1135 Tractors, Parts & Repair 1140 Trailers 1155 Tree Moving Services 1165 Trees 1170 Truck Parts & Equipment 1180 Trucks 1190 Vegetable 1200 Veterinary 1205 Wanted 3000 Furniture



Cars, Trucks, Trailers


JULY ISSUE ADVERTISING DEADLINE Thursday, June 27th For as little as $6.00 - place a classified ad in


Call Peg at 1-800-836-2888 or email Announcements

PO Box 121, 6113 State Hwy. 5 Palatine Bridge, NY 13428 800-836-2888 • Fax: 518-673-2381



1998 FORD EXPLORER Sport 4x4, 183k, $1,500/OBO. 518-231-1951

Electronics Upgrade Your Computer

We Buy & Sell Almost Everything!!!

FOR SALE: 1929 Model A Ford, 2 door sedan, looks good, runs great, $10,900. Call 518-993-2597 MAGNETIC SIGNS For trucks and cars. Call your sales representative or Beth at Lee Publications 518-673-0101 or



Low Cost Repair on Laptops Computers Game Units iPads iPhones

(518) 557-2888

Open n 7 Days s A Week • 250+Graphics (518) 370-1948 • fb:Sean-djtwofifty



# # # # #


Warren’s Auto Body

Get the best response from your advertisements by including the condition, age, price and best calling hours. Also we always recommend insertion for at least 2 times for maximum benefits. Call Peg at 1-800-836-2888 or call 518-673-0111

Foreign and Domestic Complete Collision Service Flatbed Service

(518) 355-1921

CHECK YOUR AD - ADVERTISERS should check their ads on the first week of insertion. Lee Publications, Inc. shall not be liable for typographical, or errors in publication except to the extent of the cost of the first weeks insertion of the ad, and shall also not be liable for damages due to failure to publish an ad. Adjustment for errors is limited to the cost of that portion of the ad wherein the error occurred. Report any errors to 800-836-2888 or 518-673-0111

773 Western Turnpike • Duanesburg, NY 12056-3801

Business Opportunities

Discover How to Get FREE UNLIMITED CELL PHONE SERVICE On a Nationwide 3G & 4G Network Harnessing the Power of Sprint & Verizon Towers & Earning a Huge Monthly Residual Income

NEED BUSINESS CARDS? Full color glossy, heavy stock. 250 ($45.00); 500 ($60.00); 1,000 ($75.00). Call your sales representative or or Lee Publications 800-218-5586 and ask for Beth or 518-6730101

go to

518-434-3407 24 Hr. Info Line 1-559-546-1046





Fencing LOCUST POSTS, POLES, Split Rails, 6x6’s, 4x4’s, other hardwood boards and planks, custom cut. Also lots, land cleared, woodlots wanted. 518-883-8284.

For Rent or Lease Carpentry

YARD SIGNS: Full color with stakes, double sided. Stakes included. Starting at $15.00 each. Call your sales representative or Beth at Lee Publications 518-673-0101 or Please allow 7 to 10 business days when ordering.

ANTIQUE Barber Chair, 1948, excellent condition. Moved to Florida, must sell, $800. 518221-7707

Business Opportunities

• Kitchens

• Decks

• Bathrooms

• Masonry

• Additions

• Windows

• Flooring

• Hardscape





THOUSAND WORDS It’s easy and economical to add a picture to your ad!

For Information Call



Computers CUFFE COMPUTERS offers affordable repairs and upgrades as well as custom built systems. 518-993-4833.

For Rent or Lease

T WIN LAKES Apartments

Newly renovated 1,2 and 3 bedrooms garages, fitness, pool tennis/basketball court LARGE pets welcome Shenendehowa School District 518-371-1551 1A Lakeview Drive Clifton Park, NY 12065 Where our residents matter!



We Buy & Sell • Consignments Welcome


1901 State St., Schenectady, NY 12304

518-982-5081 Mon.-Sat. 12-6pm Antiques • Furniture • Collectables • Jewelry • Home Decor

Garage Sales

Help Wanted

INDOOR GARAGE SALE: At the Century Club, 130 Guy Park Ave., Amsterdam,NY June 14 & 15, 10am-4pm. Tables for rent. Call Marlene 518-526-8012

HELP WANTED: N.Y.S. Zone Manager needed for new water purification division. Excellent earning potential. Must have 5yrs. management experience. College degree preferred. Email resume to:

Hair Styling

Hair Styling

Lawn & Garden

HUSQVARNA Lawn Mowers On Sale! Full line of mowers, trimmers & chain saws in stock. Randall Implements Company, Rt. 5S, Fultonville, NY. 518-853-4500

Lessons HORSEBACK RIDING LESSONS. Beginner thru advanced. Near Amsterdam. 518-842-3722, 518-423-3365

Miscellaneous BANNERS BANNERS BANNERS any size. Call your sales representative or Beth at Lee Publications 518-6730101 or Please allow 7-10 working days to receive your banner after ordering.

Rentals FURNISHED ROOMS FOR RENT: Walking distance to downtown Canajoharie. Community kitchen, TV room, washer/dryer, off street parking, on-site management, newly renovated building, $85 to $125 per week. Chris 518227-7697 Tents, Tables, Chairs: Now Renting! Great Graduation Prices! Big Top Tents 518568-7393

2662 Hamburg St. - Schenectady, NY 12303

Master Barber

Cell Phone: (518) 894-4499 Business: (518) 557-2510


Schenectady, NY 12304

518-346-0508 Present this DISCOUNT CARD at in-home consultation or at the office Motorcycles

# # # # #

1986 HD 883 SPORTSTER, 33k miles, $2,500/OBO. 518231-1951

A Unique Salon Experience

Blow Out Special $25 & up FRIDAY & SATURDAY ONLY BY APPT.

OTHER SERVICES AVAILABLE: Waxing • Make Up • Manicure • Pedicure • Updos

Make Up Specialist ~ “Jessica”

1716 Union Street, Schenectady, NY 12309

(518) 377-7853

Leaky Roof!

Chimney & Masonry Work! Call John Relyea 518-258-6324 Free Estimates

(800) 836-2888 To Place Your Ad Here

Bottone Memorials, Inc.

Frank Cardella



BUSINESS CARD MAGNETS only $75.00 for 250. Free Shipping. Call Beth at Lee Publications 518-673-0101 or Please allow 7-10 business days for delivery


Michael Marsello


FOR SALE: 2000 LS Suzuki Savage, 11,000 miles, leather saddle bags, color green, excellent condition. 518-5737468, 518-573-2969. Or trade for 4 wheeler or snowmobile.

Music RECORDS WANTED: We’ll buy your old records from 1930- 1970. 45’s, 78’s, Albums, Rock-N-Roll, Blues, R&B, Country, etc. Call Pete 518-673-2384.

Real Estate For Sale MONTGOMERY COUNTY: Town of Glen, 8½ acres, approved building site, $29,900. Financing. email to for aerial photo, terms & directions. 518-725-6585

Do You Grow or Sell Fruits, Vegetables, Greenhouse or Nursery Crops? If You Answered Yes You May be Interested in Our



888-596-5329 For a Free Sample

Page 21 • DollarSaver Section A • June 2013


PO Box 121, 6113 State Hwy. 5 Palatine Bridge, NY 13428 800-836-2888 • Fax: 518-673-2381

June 2013 • DollarSaver Section A • Page 22

DollarSaver Services Offered

Services Offered


1480 St. Rt. 7 Warnerville Old Metal Kegs $10.00 NO FUSS CASH FOR CANS



5 cent deposit containers - ANY BRAND 5 cent deposit on Water Bottles


PO Box 121, 6113 State Hwy. 5 Palatine Bridge, NY 13428 800-836-2888 • Fax: 518-673-2381

4 Easy Ways to Place A DollarSaver Classified Ad 1.

PHONE IT IN Just give Peggy a call at 1-800-836-2888


FAX IT IN For you MasterCard,Visa, American Express or Discover customers... Fill out the form attached completely and fax to Peggy at (518) 673-2381

Dan Kolesnikov LCSWR

132 West Main St., Johnstown


Assistance Provided With

Depression, Anxiety, Marital & Relationship Problems - MOST INSURANCES ACCEPTED Services Offered

Services Offered

CLEANING OUT your home or office? Come bring your unwanted items to us! No hazardous materials or liquids permitted. Weaver Street Transfer Station in Schenectady, NY. 518-374-1124. Open: Monday - Friday 6am 4pm. Find us on the web:

WEDDING INVITATIONS printed and designed by Lee Publications: 100 (4.5x6) Invitations including envelopes with 100 RSVP postcards. Only $150.00 +tax. We can also do smaller and larger amounts. Call for pricing and designs 518-673-0101, or Also Save the Dates • Shower Invitations • Baby Announcements and more.



DOUBLE D MOWING SERVICE Now Accepting Residential Customers - Free Estimates



NEED WATER? Topping off pools, landscaping ponds, etc. 518-993-2496, 518-3324254

WANTED: Private Collector buys plastic model kits, train stuff. Fair prices paid. Don 616-915-0045.



All Brand Cleaners & Sewing Center MOST MAJOR BRANDS

1203 State Street, Schenectady, NY 12304


B Spring Special B

10% Off Sales & Service MUST PRESENT COUPON

MAIL IT IN Fill out the attached form, calculate the cost, enclose your check or credit card information and mail to: DollarSaver Classifieds PO Box 121, Palatine Bridge, NY 13428

E-MAIL IT IN E-mail your ad to

FOR BEST RESULTS, RUN YOUR AD FOR TWO ISSUES! Cost for each Issue: $6.00 for the first 14 words, 15¢ each additional word. (Phone #’s count as one word) # of issues to run______ Total Cost $________





















Name:(Print)______________________________________________________ Address:_________________________________________________________ City:_____________________________________St.:_______Zip:___________ Phone:_____________________________Fax:__________________________ Cell:_________________________E-mail:______________________________  I have enclosed a Check/Money Order  Please charge my credit card:  American Express  Discover  Visa  MasterCard Acct#:__________________________________________Exp.Date:_________ Signature:________________________________________Date:____________


Required w/Credit Card Payment Only


Stop In and Check It Out Ego U Economy Edition Blister Pack




+ tax

Menthol Menthol Full Menthol Mild Menthol Smooth Menthomint Carmathol

Ego U Luxury Edition




+ tax

Ego U Variable Voltage




Tobacco American Red American Red Lite Ry5 555 Gold Dust Rt 66

+ tax

Ego U Variable Voltage APV




+ tax


10% Off Entire Purchase *Must present coupon - expires 6/30/13

Fruits Maraschino Cherry Blueberry Passion Fruit Peach Pineapple Raspberry Banana Strawberry Watermelon Dragon Fruit Strawberry Banana Strawberry Watermelon

Sweets Caramel Cream Strawberries n Cream Peaches n Cream Nut a Ban Graham Cracker Coconut Cream Aqua Fin Wintermint Peppermint Vanilla Caramel Strawberry Milkshake

Beverages Hazelnut Lemon Mt. Blu Mt. Do Pina Colada PV Bull Red Devil Strawberry Lemonade Wild Berry Coffee Coffee n Cream Hazelnut Coffee Fruity Doo

More Flavors Coming Soon

Arthur & Amanda Bixby 3734 St. Hwy. 30, Vails Mills, NY (across from Wildlife Museum) 518-883-7255 HRS: Mon-Fri 10am-7pm; Sat 10am-5pm; Sun-Closed


Vape Night June 15 • 2PM

Custom Made to Order All USA Ingredients Flavors Available:


Page 23 • DollarSaver Section A • June 2013


June 2013 • DollarSaver Section A • Page 24

BARN RESTORATIONS Barns - Camps - Houses - Garages


(518) 893-6049 Insured With 50 Years of Experience





Magical Printing & Designs Y OUR R ONE E STOP P SHOP


Across from Schoharie County Building


COPIES • FAX • OFFICE SUPPLIES • UPS • FEDEX We Now Offer: • Spinners In/Outdoor • Helmets - DOT Half Shell • Nascar Novelties • Canvas Photo Prints

Mountain “Body Style” T-Shirts Celebrating 10 Years of Service

~ Vendors ~ Olde Corner Store C-Com Data

When you are in doubt, be still, and wait; when doubt no longer exists for you, then go forward with courage. So long as mists envelop you, be still; be still until the sunlight pours through and dispels the mists -- as it surely will. Then act with courage. - Ponca Chief White Eagle (1800’s to 1914)

For those who do not know; Angie suffered a traumatic injury Labor Day weekend 2012. Unable to work since the injury; the mounting medical bills and daily cost of living has become overwhelming. Angie has paid it forward by helping the people of our community many times in the past, now it is OUR turn to pay it forward!

There will be a mini-ride in her honor for those who want to make some noise! Signup at 11am at TJ’s Flightline Pub, Kickstands up at 11:45! Stopping at The Bad Pig Saloon, The Sawmill Tavern and returning to TJ’s Flightline by 2pm. $20/person or $30/couple includes buffet upon return.

“Columbia Turnpike” Shopping New and Gently Used Designer Clothing, Jewelry, Pocketbooks, Shoes, Small Furniture, Artwork, Housewares and Collectibles


Wed-Fri 10-5:30; Sat 10-4; Sun closed for Summer

(No Childrens Clothing)

Consigning By Appt. Only 170 Columbia Turnpike, Rensselaer, NY 12144

Hours: Tues. 11-5, Wed., Thurs. & Fri. 11:30-6:30, Sat. 10-4


Like Us on Facebook to be entered into contests and giveaways!


Consignment Resale Shop Adult and Children’s Consignments Vendors

Marniee Warner 518-698-4628 find us on Facebook 568 Columbia Turnpike East Greenbush, NY Front Building Now Accepting New Consignors


Looking for an old favorite, new friend or a gift certificate for the reader in your life? Contact us! * A unique blend of new & used books

* Special orders accommodated quickly

* 99¢ Sale on porch

* If we don’t have it, we can get it!!!

* Required & recommended summer reading for students

* Browsers Welcomed!

Two Free Summer Programs For Children: July 20th - “A Day at the Beach at the Bookstore” Aug. 17th - “Campout at the Bookstore” Both are free and open to the public. Limited space available, registration requested. 330 Columbia Turnpike, Rensselaer, NY • 518-479-BOOK (2665) •

Page 1 - Section B • DollarSaver • June 2013

Rensselaer County

June 2013 • DollarSaver •

Section B - Page 2

Rensselaer County

“Columbia Turnpike” Shopping COMPUTER FARE New New & & Refurbished Refurbished Laptops Laptops All All Types Types of of Computer Computer Sales Sales & & Service Service In In Business Business For For 15 15 Years Years EVERYDAY 10% Tech Service Discount for STUDENTS - EVERYONE ELSE on FRIDAYS

1590 Columbia Turnpike, Schodack, NY 12033 518-479-0948 Check Check us us out out on on Facebook Facebook -- Computer Computer Fare Fare

Come Join Us Under the Tent ... Saturday, June 8th for our 24th Annual Sidewalk Sale 10am-5pm ing for Someth d every e an everyon ion! occas

Cash & Check Only No Early Birds Please

50% off and more

Anne t s i t r cal a n and her o l e e S ts! hinso Hutc et portrai p

Thee C ountry T runk - G ift B outique 705 Columbia Turnpike, East Greenbush, NY 12061 • (518) 479-7282 1.5 miles off of I-90 Exit 10, Miller Road Exit - right off the ramp, right at the light, 1 mile on right.

Clothing, Jewelry, Pocketbooks, Linens, Lamps, Yankee Candles, Stationery, Children's items, Holiday, and much, much more!

Automatic & Standard - Foreign & Domestic


Transmission Service

• 5 Quarts Fluid • Filter • Gasket

110 Mohawk Ave. Alplaus, NY 12008

July 13 13 July pm pm @ @ 2 2

th th


t Mickey Bosle is DY” L O G . B Y D O “

J.B. & The Crew

Hits from

60’s 70’s 80’s Motown Comedy Country Refreshments Sponsored by: Brotherhood Antiques Hot Dogs • Drinks • Roasted Nuts and More

Johnstown Nazarene Church 3316 Hwy 29W Johnstown For more info call 518-762-2982




(most vehicles)


Page 3 - Section B • DollarSaver • June 2013


Section B - Page 4 June 2013 • DollarSaver •

R E -D ISCOVERING S CHOHARIE C OUNTY “Connecting the Past with the Future”

Four Star Realty Group

Binder Auto and Truck Repair

Licensed Broker, Licensed Sales Assoc. & OWNERS

163 Main Street Middleburgh, New York 12122 (518) 827-8080

COBLESKILL CLOCKS 558-2 Main Street Cobleskill, NY 12043

308 Main Street, Middleburgh, NY 12122

Office 518-702-4194 Fax 518-702-4059

518-495-9464 Tracy 518-209-5369 Lisa

Clock Sales & Service

Kriss Binder Proprietor

Tod Nicolai 518-234-2354

Parts & Service For Motorcycles, Snowmobiles & ATV’S Indoor Power Sport Storage

Full Service Jeweler

Mart Cleaners

Cash For Gold

104 Union St., Cobleskill, NY 12043 (New Building)

703 East Main Street Cobleskill, NY 12043

Everything Done on Premises

1914 Route 145 • Middleburgh, NY 12122

(518) 827-8388

Tel: (518) 234-9180 • Fax: (518) 234-2439

with 3 Day Processing


Harmony Acres & Partyland


Tires • Wheels • Hubcaps • Open 7 Days

108 Union St., Cobleskill, NY 12043-0635


Tires Changed • Flats Repaired NEW & USED TIRES NOW IN STOCK - 13”, 14”, 15”, 16” & 17”

Area’s Best Selection of Art, Craft, Cake, Candy, Party and Office Supplies • Fresh, Silk Flowers • Cake Tops • Balloons • Pinatas • Scrapbooking and Needlecrafts



The Choices You Make Shopping Can Save: money, your family’s health and our fragile environment.


• DMV #2601356


Village Hardware (518) 702-4024 303 Main Street, Schoharie Valspar Paint Now In-stock




Help Us Grow Schoharie TOWN AND VILLAGE

Come See Us for all Your Summer Needs


Main St., Schoharie, NY

J.. LACYY SALON 518-295-8198

Men - Women - Children


Yourr Correctivee Hairr Colorr Specialist




Help Us Grow Schoharie HOURS: Tues. 9-5; Wed. & Thurs. 9-7; Fri 9-5; Sat. 9-3 TOWN AND VILLAGE

See us on:

“Connecting the Past with the Future” See Us For All Your Ourtdoor Sporting Supplies

Kurt & Heidi Owners Phone: 518-702-5061 Fax: 518-702-4057 409 Main Street Schoharie, NY 12157

For all your furniture needs

D & B Used Furniture

# Fine # Affordable # Furniture # New & Used Bedding 327 7 Westt Main n St.,, Cobleskill,, NY Y 12043 3

518-234-1048 8

209 9 Waterr St.,, Elizabethtown,, NY Y

Brandi’s Boutique-Thrift Shop Located in the Mini Mall across from the Cobleskill Park at 513 W. Main St., Cobleskill, NY 12043

The month of June is going to be full of savings! ALL of our Yellow Tag items will be 25% Off, % and ALL of our Green Tag items are 50% Off! 50

% 5 2

With our wide selection of items, there is sure to be something for everyone.

Our hours are Tues.-Sat. 10am-5pm • 518-823-4373

Don’t forget to like us on Facebook where you can also view pictures of items that are on display at the shop!

Magical Printing & Designs Y OUR R ONE E STOP P SHOP


Present This Ad & Receive 10% OFF

Across from Schoharie County Building

Good Earth Middleburgh Trading Post


2084 SR 145 POB 111 MIDDLEBURGH, NY 12122

A visual experience


Open: Friday, Saturday, Sunday, Monday 11am-5pm


COPIES • FAX • OFFICE SUPPLIES • UPS • FEDEX We Now Offer: • Spinners In/Outdoor • Helmets - DOT Half Shell • Nascar Novelties • Canvas Photo Prints

Mountain “Body Style” T-Shirts Celebrating 10 Years of Service

~ Vendors ~ Olde Corner Store C-Com Data

Page 5 - Section B • DollarSaver • June 2013


Section B - Page 6


June 2013 • DollarSaver •

“Connecting the Past with the Future”


The g Temple Thee Styling Esperance,, NY 518.875.9991


• 24 Hour Towing •

Complete Automotive Services Lett Yourr Manee Down

Brakes • Tuneups • Alignments NYS Inspections • Diagnostics A/C • Quality Exhaust Systems Diesel & Kerosene


2028 State Route 145, Middleburgh, NY 12122

Vickie Yonkers 518-465-4035

Thee Manee Attraction n Hairr Salon 1615 5 Columbiaa Tpke. Castleton,, NY Y 12033 518.477.6263 3 • celll 518.857.9 9352

1615 Columbia Turnpike Castleton, NY

1615 Columbia Turnpike - Castleton, NY 12033

The Mane Attraction Hair Salon Walk-Ins Welcome!! 1615 Columbia Turnpike Castleton, NY 12033 (518) 477-6263


The Mane Attraction

Kristin Stewart 1615 Columbia Tpke Schodack, NY (518) 477-6263

Danielle O’Neil hair stylist

1615 Columbia Turnpike Castleton-On-Hudson New York 12033

The Mane Attraction

(518) 477-6263 (518) 788-3590

WÉÇÇt Hair Stylist

The Mane Attraction 477-6263

“Connecting the Past with the Future”

The Conglomerate Just Like 18 Specialty Shops Under One Roof WOMEN’S CLOTHING, JEWELRY & ACCESSORIES 2 Cards & Stationery 2 Bath & Body Products 2 Old Village Paints 2 Handbags & Wallets 2 Home, Garden & Tabletop 2 USA Made & Fair Trade Products 2 Pottery, Stemware Gourmet & Kid’s Clothing, 2 Wine Accessories Bulk Foods Gifts & Games 2 Candles & Holders

Over 75 Choices

Chocolates & Confections

Dried Fruits, Nuts & Over 80 Herbs & Spices

Where the Unusual is the Usual! 518-827-6696

5684 State Route 30 Schoharie, NY 12157 Janet Loucks

(518) 702-5027

331 Main St., Middleburgh • Open Mon.-Wed 10-5; Thurs. & Fri. 10-6; Sat. 10-5

Dollar$aver Presents:

Business of the Month Serving the community with S. T. Y. L. E.

Beginning in July 2013 and each month following we will be featuring a business that has, in the past, or is actively impacting their community. We are asking that you, the public, email us a business that you feel is in need of recognition. In 150 words or less, tell us how the business is making a difference in your community. We are looking for businesses that range from the small corner store, to car dealers, and including non-profit organizations and churches. Email us pictures along with your 150 word editorial of the business or organization and we will do our best in acknowledging all those who rise above the norm. You may send your information to: Deadline is on the 15th of each month. So, don’t delay! Send your information in NOW!

Page 7 - Section B • DollarSaver • June 2013


Section B - Page 8 June 2013 • DollarSaver •

Tysonn Fowlerr Fund Golf Tournament

ble m a r Sc at ie r a h o j Cana y Club tr n u o C

Sunday, June 23

154 Golf Club Rd - Canajoharie, NY 13317


mble a Cana t Coun joharie try C lub

Hit A Hole in “1” for a chance to win a NEW CAR!

Shotgun Start 11AM followed by • Dinner • • Awards • • Raffle Drawings • Huge Raffle Many Prizes

Courtesy of Fuccillo’s Nelliston

Cash Prize to Winners

Registration 10am - 11am Shotgun Start 11am

Beer Cart To register, mail below registration form w/check to: Brotherhood Antiques, 41 Church St., Canajoharie, NY 13317 or email or sign up at For more information call 518-848-0289.

1st Come 1st Serve Limited Space Available

Registration Form $125 per golfer NAME 1. 2. 3. 4.

_________________ _________________ _________________ _________________

$125 Includes:


Golf • Cart Dinner T-Shirt

__________________ __________________ __________________ __________________

Make Check Payable to: Tyson Fowler Fund

Supplement to the Original Valley Pennysaver and the DollarSaver

Produced by Lee Publications • 6113 St. Hwy. 5 • Palatine Bridge, NY 13428 • 518-673-3237 • 800-218-5586 • 518-725-ADKS (2357)

MaryEllen Charles, NYS Licensed RE Broker/Owner Email:: 101 Washington Square, Caroga Lake, NY 12032

Spectacular Western E. Caroga Lake Views. 360 ft. Sandy Beach! Superb 4BR/3BA w/2 car garage. Inviting open floor plan. Gorgeous Master Suite. Lakefront deck & dock for your boat. Includes additional lot & 2nd garage $432,000 MLS 222382

WATERFRONT WESTERN VIEWS! 3BR/2BA ranch on peaceful Peck Lake. Full basement, 225+ ACRES w/TRAILS. Own 1/2 of pristine 2 car garage, deep private south shore lot. private no motor Newkirk Lake. Luxury living suite BR/3.5BA, 2 fireplaces $549,000 $270,000 MLS 220803



Carol Paciolla, Licensed Assoc. Broker • 332-3279 Diane Perrella, Licensed RE Salesperson • 725-8286

E. STONER LAKEFRONT YEAR ROUND HOME! 2 lots! Borders STATE land! Snowmobile trails, 5+ Acres - Beyond Compare! 4BR/2BA Cape. BROADALBIN 12 ACRES! Finish this dream sandy lakefront! Immaculate 2BR/1.5BA. Move Gourmet kitchen, deluxe everything inside & cape! Very private wooded site. Connect to in for $385,000. village water/sewer. Call to view! $174,000 out! $255,000 MLS 222461



BROADALBIN - Great Sacandaga Lake Snowmobile trails. Beautiful 3BR/2BA with EPHRATAH - Very private 2BR, 2BA, 3 acres, OFF LAKE LOG CABIN! Borders state land. BROADALBIN 22+ ACRES - Custom log LOTS OF NEW!! Storage for boats, snowmo- private stocked pond, immaculate! Custom PECK LAKE YR. ROUND - Level lot, sandy Access Canada Lake - very peaceful. Move in home. 2BR/2BA, pond, very private! NO APA BLEECKER CHALET - 65 acres! Unfinished, biles. Eagle Mills Rd. $115,000 MLS 222704 throughout, on snowmobile trails. $179,000 beach, dock, furnished! Make offer $375,000 & enjoy summer! $249,900 add your style! Trails. Woods. $115,000



BLEECKER HUNTING LAND! Superb 44+ acres! Deer, Deer, Deer! Off the grid hunting cabin in place deer stands, trails, all ready to go! $135,000


28 ACRES, JOHNSTOWN - Borders airport and golf course, 3BR, 1BA, attached garage, 2nd garage for car enthusiasts. Immaculate! $179,000


1.7 ACRES! Caroga Lake Colonial 4BR/1.5BA, fireplaces inside & out. 1/2 mile to YOUR OWN E. Caroga Lakefront Lot for boat dock! $159,900 MLS 222609


$168,000 - SNOWMOBILE TRAILS! 4BR/1.5BA, 158 Pinnacle Rd - $195,000 - 46 acres, 3- tucked in off the road. With DEEDED shared lakeRte. 10 & Chapel Rd. - $45,000 - 2BR/1BA, 4BR colonial, new kitchen & bath, heated front Lot on peaceful W. Stoner Lake. MLS corner lot. Deck to relax & enjoy lake breezes. garage. Trails. 201219669



Immaculate Ranch - Johnstown Schools & City Water! 1 acre lot. 3BR/2BA, full basement, sunroom, attached garage w/add’l shed. Country setting minutes to town! 1020 ST HWY 10, Caroga - 2BR/1BA. All 117 Balsam - $135,000 - 3BR/2BA, walk to Lakeview Assoc. Beach. 2 garages. Lots of New. $168,000 MLS 222913 redone, even central air.


$175,000 - NEAR LAPLAND LAKE XC & NORTHVILLE PLACID TRAIL - Very private! 2 LOTS. WATERFRONT CAMP Sleeps 12 on Low taxes, deluxe off the grid 2BR/1BA year Mt. Lake is motor friendly! Docks, furnishings stay! Make Offer! $133,000 MLS 201215491 round home. MLS 215503

$128,500 CAROGA LAKE! Year round. Meticulous remodeling from the copper plumbing, new kitchen w/maple cabinets & new floors. MLS 222945

$189,000, QUIET & PRIVATE 150 FT LAKE- $159,000 - LAKE PLEASANT, STRATFORD FRONT E STONER 2BR/1BA Chalet. Fireplace, 95Ft. waterfront, western views. 2BR/1BA 128 KNOWLTON RD, FONDA - $90,000 - $39,900 - 107 S. PERRY ST. - Less than a car! 523 W. MARKET ST., JOHNSTOWN - $89,900 OWN THE POINT - $315,000 - Grand camp - 3BR/2BA, 1 car garage on E. Caroga, 4BR/1BA. 300+/- ft. waterfront. 3BR/1.5BA, plenty of room, quiet street. new kitchen & bath. Dock stays! MLS 220803 rustic cabin. 3BR/1BA, wood floors, reinsulated!

Come Play from these Caroga Lake Off Lake & Direct Waterfront Properties! 116 First Ave., E. Caroga . . . . . . . . . . . . . . . . . . .$52,900 2525 St. Hwy. 10 E. Caroga Deed lakefront . . . . .$159,900 127 Balsam Ave., W. Caroga . . . . . . . . . . . . . . . .$78,000 208 N. Shore W. Stoner - Deeded Lakefront . . . . .$168,000 131 Lakeview Ave., W. Caroga . . . . . . . . . . . . . .$84,900 224 S. Shore W. Caroga Waterfront . . . . . . . . . . .$157,000 112 S. Shore W. Caroga . . . . . . . . . . . . . . . . . . .$119,000 149 E. Shore W. Caroga Waterfront . . . . . . . . . . .$200,000 118 Outlet Road E. Caroga . . . . . . . . . . . . . . . . .$128,000 229 E. Shore W. Caroga Waterfront . . . . . . . . . . .$179,900 118-120 Scott Rd., E. Caroga . . . . . . . . . . . . . . .$110,000 LAND! Vacant Acreage & Lots AVAILABLE


118-120 SCOTT RD - $110,000 - 2 for 1! Yes 2 houses! 1 block to E. Caroga Assoc. Beach! 3 lots, bring all your friends to the lake this summer!

Page 1 • REAL ESTATE GUIDE • June 1, 2013


June 1, 2013 • REAL ESTATE GUIDE • Page 2

Glossary of mortgage terms Adjustable-rate loans, also known as variable-rate loans, usually offer a lower initial interest rate than fixed-rate loans. The interest rate fluctuates over the life of the loan based on market conditions, but the loan agreement generally sets maximum and minimum rates. When interest rates rise, generally so do your loan payments; and when interest rates fall, your monthly payments may be lowered. Annual percentage rate (APR) is the cost of credit expressed as a yearly rate. The APR includes the interest rate, points, broker fees, and certain other credit charges that the borrower is required to pay. Conventional loans are mortgage loans other than those insured or guaranteed by a government agency such as the FHA (Federal Housing Administration), the VA (Veterans Administration), or the Rural Development Services (formerly known as Farmers Home Administration, or FmHA). Escrow is the holding of money or documents by a neutral third party prior to closing. It can also be an account held by the lender (or servicer) into which a homeowner pays money for taxes and insurance. Fixed-rate loans generally have repayment terms of 15, 20, or 30 years. Both the interest rate and the monthly payments (for principal and interest) stay the same during the life of the loan. The interest rate is the cost of borrowing money expressed as a percentage rate. Interest rates can change because of market conditions. Loan origination fees are fees charged by the lender for processing the loan and are often

expressed as a percentage of the loan amount. Lock-in refers to a written agreement guaranteeing a home buyer a specific interest rate on a home loan provided that the loan is closed within a certain period of time, such as 60 or 90 days. Often the agreement also specifies the number of points to be paid at closing. A mortgage is a document signed by a borrower when a home loan is made that gives the lender a right to take possession of the property if the borrower fails to pay off on the loan. Overages are the difference between the lowest available price and any higher price that the home buyer agrees to pay for the loan. Loan officers and brokers are often allowed to keep some or all of this difference as extra compensation. Points are fees paid to the lender for the loan. One point equals 1 percent of the loan amount. Points are usually paid in cash at closing. In some cases, the money needed to pay points can be borrowed, but doing so will increase the loan amount and the total costs. Private mortgage insurance (PMI) protects the lender against a loss if a borrower defaults on the loan. It is usually required for loans in which the down payment is less than 20 percent of the sales price or, in a refinancing, when the amount financed is greater than 80 percent of the appraised value. Thrift institution is a general term for savings banks and savings and loan associations. Transaction, settlement, or closing costs may include application fees; title examination, abstract of title, title insurance, and property survey fees; fees for preparing deeds, mortgages, and settlement documents; attorneys’ fees; recording fees; and notary, appraisal, and credit report fees. Under the Real Estate Settlement Procedures Act, the borrower receives a good faith estimate of closing costs at the time of application or within three days of application. The good faith estimate lists each expected cost either as an amount or a range. Source: Looking for the Best Mortgage,

A&M PROSPECT PROPERTIES LTD. 217 N. Main Street • Gloversville, NY 12078

Kathleen M. Mussi

Tel 518-773-8457 • Fax 518-773-9734

Licensed Real Estate Broker/Owner ed

c du


Gloversville - 16 West 10th Ave. Quaint 2 family home situated on quiet street that borders walking trails. Close to shopping & schools. Great owner occupied dwelling or extra income. Low taxes!


Large single family home . . . well maintained, 4 bdrms, 2 baths, renovated in 2002, fenced yard. $59,900 MLSS 222693

2 Family, 2 Bedrooms each unit. 0 MLSS 222306 Motivated Seller. $54,900



u ed


Johnstown 2 family. 4 bedrooms over 2 bedrooms, large yard. Fully rented. Motivated seller. Priced to sell. $69,900 MLSS 220878

RENTALS Gloversville - 3 bdrm Upper, Renovated 2011 - $650

Large 4 bedroom house situated in the beautiful Adirondack Mountains, overlooking a mountain lake. Remodeled in 1994. Beautiful views year round! Must see!

266 YEARS OF EXPERIENCE IN PROPERTY MANAGEMENT . 2 family, has 3 bdrms each apt... tenants will enjoy large driveway, large rooms updated kitchen. $59,900 MLSS 222838

Wee aree heree forr youu whenn youu can’tt be..

Two family w/two car garage - fully rented. 1st floor large kitchen, 3 bdrms, lge deck in 0 MLSS 222494 back, 2nd floor 2 bdrms. $68,500


Eugene D. Reppenhagen 725-3348 Markie King 774-2717 Karen R. Bischoffberger 727-6484

226 E Fulton St., Gloversville, NY 12078

Fulton County NY Properties Located in the Foothills of the Adirondack Mountains

MLS 2013156

ORIGINAL COLONIAL (Gloversville): 5.4 acres with a view, just outside of town. 4 bedrooms, 2.5 baths, sunporch, deck, 2 car garage, barn and more. Must see! . . . . . . . . . . . . . . . . .$289,000

MLS 2013127

WANT A SWIMMING POOL? (Gloversville): Well-maintained home on quiet street. Beautifully landscaped, fenced backyard, pool and patio. 3 or 4 bedrooms, 1.5 baths $109,000

MLS 222772

COUNTRY RANCH (Hagaman): Large lot just outside of town. 2 bedrooms, 1 full bath, full basement, 1 car garage. Very economical to heat! New drilled well . . . . . . . . . . . . . .$85,000

MLS 222774

MOVE-IN CONDITION (Gloversville): Large fenced backyard, vinyl siding, replacement windows, freshly painted interior. 3 bedrooms, 1.5 baths, newer kitchen . . . . . . . . . . . .$71,000

MLS 2013155

COMFORTABLE FAMILY HOME (Gloversville): Many updates. 3 bedrooms, 1.5 baths. Small fenced backyard, 1 car garage. Close to downtown and elementary school . . . . . . . . .$29,900

MLS 222508

HISTORIC ORIGINAL COLONIAL (Gloversville): Just outside of town on 3.9 acres. 4 bedrooms, 2 full baths, new kitchen overlooking yard. Deck, large barn . . . . . . . . . . . . . . . . . . . . . .$250,000

MLS 2013371

GREAT COTTAGE ON 10 ACRES (Stratford): Near Stewart Landing dam for water access to lakes. 2 or 3 bedrooms, 1 full bath. Full basement, new windows, 2 car garage . . .$100,000

MLS 2013080

ONE-FLOOR LIVING (Gloversville): 2 bedrooms, 1 full bath, family room w/woodstove. Another bedroom, 3/4 bath and den in basement. Patio, fenced yard . . . . . . . . . . . .$80,000

MLS 2013337

BEAUTIFUL RANCH (Gloversville): Great room w/center fireplace, large windows overlooking deck and pool. 3 bedrooms, 2 full baths. End of road, near woods . . . . . . . . . .$190,000

MLS 2013222

COUNTRY LIVING IN THE CITY (Gloversville): 4 bedrooms, 1.5 baths, lots of living area. Deep lot with apple trees, berries, flowers. Deck, 2 car garage, workshop . . . . . . . . . . . . . . . . .$98,000

MLS 222115

MLS 2013347

RENOVATED TWO-FAMILY (Gloversville): Many extras, updates. 2 bedrooms, 2 full baths down; 2 bedrooms, 1 full bath up. Circular drive, 4 car garage w/workshop . . . . . . . . . .$145,000

MLS 2013131

LARGE HOME ON THE EDGE OF TOWN (Johnstown): 4 bedrooms, 2 full baths, enclosed sunporch, lots of storage space, many options. 2 garages, .45 acre lot . . . . . .$95,000

MLS 222567

NICE FAMILY HOME (Gloversville): Well-maintained home in a quiet neighborhood. 3 bedrooms, 1 full bath, newer appliances in kitchen, family room. 2 car garage . . . . . . . . . . .$79,500

FAMILY HOME w/LARGE YARD (Gloversville): 2 story Colonial w/natural woodwork, hardwood floors, 3 bedrooms, 1.5 baths, enclosed porches. Walk to schools . . . . . . . . . . . . . . . .$79,500

DOUBLEWIDE IN PARK (Gloversville): Very well-maintained 2006 Redman. 3 bedrooms, 2 full baths, Mayfield School District. Open front porch, large canopy-covered rear deck $56,000

INVESTMENT PROPERTY (Gloversville): Older home on narrow lot w/shared drive. Large rooms, 3 bedrooms, 1.5 baths. Currently rented for $800/month plus utilities . . . . . . . . . . . . .$39,900

MLS 220684

REASONABLY PRICED FAMILY HOME (Gloversville): 4 bedrooms, 1 full bath, den w/gas stove. Enclosed front and rear porches, 1 car garage plus storage . . . . . . . . . . . .$59,900

MLS 2013175

UNIQUE BEAUTY (Gloversville): Avenue home on lovely double lot. 4 bedrooms, 2.5 baths, new kitchen. Hardwood floors, natural woodwork. 2 car garage . . . . . . . . . . . . . . . . . . . . . .$145,000

MLS 2013064

MLS 2013339

VERY LARGE TWO-FAMILY (Gloversville): Down has gas fireplace in living room, 2 bedrooms, 2 full baths, office. Up has 5 bedrooms, 1 full bath. 3 car garage . . . . . . . . . . . . .$108,000

MORE GLOVERSVILLE MULTI-FAMILY DWELLINGS 2-family, close to schools, “as is” . . . . . . . . . . .$49,900 2-family, separate utilities . . . . . . . . . . . . . . . .$65,000 Large 2-family, 9 bedrooms, 2.5 baths . . . . . .$69,900 2-family w/many updates . . . . . . . . . . . . . . . . .$69,000 2-family “short sale” . . . . . . . . . . . . . . . . . . . . .$69,000 3-bedroom, 2.5 bath Colonial w/separate 2-family in rear (MLS 220357) . . . . . . . . . . . . . . . . . . . . .$90,000 COMMERCIAL PROPERTIES OFFICE RENTALS (Downtown Gloversville): 2 firstfloor offices w/lots of parking, heat and air conditioning included . . . . . . . . . . . . . . . . . . . . . . . .Call for details BEAUTIFUL PARLOR w/1-BEDROOM APT (Gloversville): Completely renovated building w/many unique features. 1 car garage plus off-street parking (MLS 222039) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$110,000

MLS 215805

GREAT FAMILY HOME (Gloversville): Move-in condition, near elementary school. 4 bedrooms, 1.5 baths. Extra large lot with detached 2 car garage . . . . . . . . . . . . . . . . . . . . . . . . .$110,000

MLS 222083

GRAND OLD COLONIAL (Gloversville): 4 bedrooms, 1.5 baths, hardwood floors and natural woodwork, 2 corner fireplaces. Detached 2 car garage . . . . . . . . . . . . . . . . . . . . . . . . . .$89,900

MLS 2013012

STARTER HOME (Gloversville): Cute 2 bedroom bungalow w/1 full bath. Large rear deck overlooking deep yard, detached 1 car garage. Very economical to heat! . . . . . . . . . . .$76,000

MLS 2013217

HANDYMAN SPECIAL (Broadalbin): Solid home in need of renovation, currently 3 bedrooms, 1.5 baths. Being sold “as is”. Convenient to downtown and schools . . . . . . . . . . .$38,500 LAND Gloversville: City building lot . . . . . . . .$5,000 2 adjacent city lots . . . .$19,900 1.5 acre building lot . . . .$25,000 Town of Mayfield: 2.14 acres . . . . . .$15,000 2.7 acres . . . . . . .$29,000 3.7 acres . . . . . . .$35,000 LAKEFRONT COTTAGES Sacandaga Lake (MLS 220668) . . . .$235,000 East Caroga Lake (MLS 222835) . . .$215,000 Stoner Lake (MLS 215985) . . . . . . . .$175,000

Page 3 • REAL ESTATE GUIDE • June 1, 2013

773-3298 FAX: (518) 725-8615

Virginia M. Mackey • Certified GRI - CRS Residential Licensed Real Estate Broker Appraiser 725-3348 • 40 Years Experience • Fulton County & Capital District MLS

June 1, 2013 • REAL ESTATE GUIDE • Page 4


512: DOLGEVILLE: Two-story, 4 bedroom home with above ground pool in back yard. Front porch. Exterior is vinyl siding. Updated windows. Living room, den/bedroom, kitchen, formal dining room, laundry, bath and bedroom on 1st floor. 2nd floor 3 bedrooms and full bath. Pellet stove in dining room included. Full basement, paved driveway . . . . . . . . . . . . . .Asking $65,000

515: COUNTRY HOME ON A DEAD-END ROAD: 2-story, 4 -5 bedroom home on 6 acres. Lots of remodeling & up-dates. New 551: FORT PLAIN: Double-wide home with an open kitchen, kit, FDR, FLR, den/bath & full bath all on the 1st floor. Heated dining area and living room. 24x12 detached garage. Nice country workshop, 2 stall garage & porch. 2 pellet stoves & appliances location. 2.5 acres with 362 feet of road frontage . . . . . . . . . . . . . included in sale. Johnstown Scl . . . . . . . . . . . . .Asking $119,900 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Asking $79,900

156: CANAJOHARIE: NEW LISTING 103 year old farmhouse located on 40 acres. There is an old barn, a small outbuilding and an old Hop House that stores mowers and small equipment. Would make a nice horse farm. Great view from top of hill . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Asking $139,900

978: ORISKANY: COLEMAN MILLS RD Oneida County is the location of this 162 acre parcel. 4 Bedroom home, large kitchen and living room. 2 garages. Outbuilding. Pole Barn with 16 x 24 heated shop. Christmas trees, woods and open fields make up the 162 acres. Part of property is along Sutliff Road and is zoned commercial . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$675,000

994: T/O STARK: charming 1850's home located in the hamlet of Starkville. Wood floors & original woodwork bring this home to life. Spacious DR & LR. 4 bedrooms. Porches, 4 stall garage & patio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Asking $89,900

131: A spectacular Tudor w/ scenic views on 198 rolling acres of woods. Certified organic tillable land & pond. Fine craftsmanship of the marbled fireplace, stained glass transom beamed ceilings, Cherry paneled foyer, den, beautiful staircase & French doors leading into the LR & library areas. Plus 3 bdrm guest house . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Asking $695,000

134: CHERRY VALLEY: Lovely 2-story, 3 bdrm, 2 1/2 bath home. Eat-in kit, formal dining room, living room & garage. Beautiful hardwood floors throughout home. Located minutes from Cooperstown . . . . . . . . . . . . . . . . . . . . . . .Asking $189,900

201: ST. JOHNSVILLE: Constructed in the 1950's but years ahead of its time. Limestone wall fireplace in the LR & DR. Basement has a family room w/ fireplace, 4 bdrms & 2 baths. Garage under house. Plus possible building lots . . . . . .$129,500

208: DOLGEVILLE: Very nice location and walking distance to Main Street. Exquisite private backyard with a flowing stream. Many updates to the home include new carpet, tile floor in bathroom, new windows, electrical entrance and central air . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Asking $84,900

502A: SPRAKERS: A country home with a great floor plan. Kitchen with island, dining area and living room. Large family room with fireplace. Laundry room and 1/2 bath on 1st floor. 2nd floor 3 bedrooms and 2 full baths including master bath . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Asking $119,000

597: Colonial home w/ private setting and view of the Cherry Valley Mountains. Circular drive leads to this custom built home. 4-5 bedrooms, 3 1/2 baths, sunken FR w/ granite fireplace, gorgeous sunroom overlooking mature landscaping & in-ground pool. T/O Palatine 5 acres . . . . . . . . . . . . . . . . . . . . . . .$219,000

Page 5 • REAL ESTATE GUIDE • June 1, 2013

59 W. Main St., Canajoharie

June 1, 2013 • REAL ESTATE GUIDE • Page 6

RE A L ES TAT E GU I D E June 29, 2013 Issue Deadline Wednesday, June 19, 2013


c Albany c Fulton c Herkimer c Montgomery c Oneida c Otsego c Rensselaer c Saratoga c Schenectady c Schoharie

For More Information Call John Snyder 518-673-0129 Reach Over 110,200 Homes Distributed In:

Real estate appraisers estimate a home’s value in a specific housing market, usually on the basis of sales of nearby or comparable homes. Often, a seller’s price is established by an appraisal. Lenders require an appraisal before they can determine the amount of money they will loan you.

Do not be surprised if appraisals (seller’s and buyer’s) are different. While both may be based on comparable sales, market conditions do change, sometimes from day to day. If the appraised value is lower than the agreed-upon purchase price, a contingency clause gives you the right to renegotiate the sale price or even to withdraw your offer.

A professional real estate appraisal is necessary to determine if the asking price is a fair one. An appraisal is an educated opinion of the current market value of a specific house within the past 60 days and determined by a set of factors. Making an intelligent offer to buy is difficult until you know the market value of the house. It is also difficult to know how large a mortgage loan will be granted by a lender because loans are based on a percentage of the appraised value and not on the asking price. You may choose to insert a contingency clause into your “offer to purchase contract” that the house must meet the appraised value or you have the right to withdraw your offer.

A qualified appraiser should have nothing to gain or lose from a sale and works only for one party to the sale. Findings should be provided in writing and include: 1. An accurate description of the property. 2. A purpose statement for the appraisal. 3. All of the data and criteria used to determine value, including at least three comparable sales and costapproach figures. 4. A final estimated value.

You can have your own appraisal done. Look for an appraiser who is familiar with the community and is an independent appraiser with the initials MAI, MAI/RM, or ASA after his or her name. MAI stands for “Member, Appraisal Institute,” the American Institute of Real Estate Appraisers. RM added means “Residential Member” with at least five years of experience in residential, rather than commercial, real estate. ASA denotes membership in the American Society of Appraisers.

5. Any special conditions, such as an easement. 6. Appraiser’s certification and signature. The appraisal is usually paid for by the buyer and will be included in your closing costs. The cost of a complete appraisal of a three-bedroom, two-bath house could range between $250 to 275 for a conventional loan and $175 to 300 for a government-backed or financed loan.

If your loan will be financed by either the Department of Housing and Urban Renewal (HUD) or the Veteran’s Administration (VA), the appraiser will be selected by computer. Appraisals for one of these types of loans will be good for either type of financing.

Source: North Carolina Cooperative Extension Service, Selecting Home Buying Professionals

Mohawk Valley Real Estate LLC 4720 State Highway 30, Amsterdam, NY 12010


1088 LAKEVIEW AVE., SCHENECTADY Move-in condition. Great 3 bedroom home in quiet neighborhood. Living rm w/wood fireplace, formal DR, HW flooring, kitchen with all new appliances and walk-in pantry, back yard has a large deck and garage . . . . . . . . . . . . . . . . . . . . . . Asking $105,000.

168 RIVER RD., FT. PLAIN - COZY HOME ON 6+ ACRES! features updated home with beautiful finishes and finished basement for family room and game room. This is a must see home. The 6 acres are wooded with large yard and nice pond. Deer come right into the back yard . . . . . . . Only $149,900.

130 PERTH FITNESS RD., BROADALBIN Great country home, very spacious, bright and inviting. Features 4 Bedrooms plus finished basement and great school Dist . . . . . . . . .Reduced to $198,000.

2288 ST HWY 162, ESPERANCE - ENERGY EFFICIENT HOME! 3 Bedroom, 2 bath Doublewide on 2.3 acres. Located in the Schoharie School Dist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$89,900

295 EAST MAIN ST., AMSTERDAM Business Opportunity - Successful operating Florist on busy street in the City of Amsterdam . . Real Estate Only $129,000.

68 EAST STATE ST., GLOVERSVILLE Features 5 bedrooms, 1.5 baths eat in kitchen, LR, DR, 2 car garage on large city lot. Close to Nathan Littauer Hospital. Close to shopping and Churches . . . . . . $78,500

308 FOREST AVE., AMSTERDAM - Let the rent pay the mortgage on this nice 2 family home. Spacious home with 3 bedrooms and 2 baths . . . . . . . . . . . . . Only $68,000

620 ST HWY 334, FONDA - SHORT SALE Located on the Cayadutta Creek with total of 5 acres. Spacious 4 bedroom and 2 bath home with many updates completed and others partially completed. . ONLY $59,000

NEW LISTING SHORT SALE - Pickle Hill Rd Ft. Plain - Lovely 4 BR Colonial home with 4+ acres and Huge Newer detached garage. Updated kitchen, 2 full baths and formal dinning room . . . . Short Sale Price $114,900.

NEW LISTING! Lusso Rd., Glen - Spacious 5 bedroom home features many updates including master suite, energy eff. windows, kitchen w/ granite counter tops and more. Room for horses on 7 acres plus 5 outbuildings . . . . . . . . . . . . . . . . $379,900.

100% FINANCING FOR QUALIFIED BUYER! Lower Lepper Rd. Ft. Johnson This home is in a great location, very private. Updates include newer roof, new replacement windows and more. Could have 4th bedroom if needed . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Only $100,000.

East Main St., Fonda - Wonderfully updated 3 BR home features HW floors, eat in kitchen, spacious BR's and 2 car detached garage. Located close to the schools and easy access to Amsterdam, Johnstown and the NYS Thruway . . . . . . . . Only $59,900.

Page 7 • REAL ESTATE GUIDE • June 1, 2013

Real estate appraiser

June 1, 2013 • REAL ESTATE GUIDE • Page 8

LANA RUGGIERO, GRI, ASP 11 Forest St., Gloversville (518) 470-4738 • 2132 Donnan Rd., Galway

307 W. Madison Ave., Johnstown

1131 Co Hwy 122, Town of Johnstown

108 Woodlawn Dr. Town of Johnstown

Stunning! 4BR, 3.5 bath custom built home on 11 acres and just minutes to Saratoga & Albany. Nearly 4000 sq. ft. of living space, newly refreshed kitchen plus attached & detached garages, shed, outdoor fireplace, pond... such a beautiful setting! . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $429,900

Completely rebuilt in the early ‘90’s, this is a wonderful family home on an acre, with city amenities. Meticulously maintained with brand new authentic hardwood floors throughout! And there isn’t a man around who won’t love the 3 car attached garage PLUS the detached 24x36 garage that was built in 2005. . . . . . . . . . . . . . . . $199,900

Looking out over Phelps St. is this darling expanded Cape. You won’t believe the spaciousness until you see it. Newer kitchen with adjoining family room, so cozy and inviting. Huge living room, formal dining room, beds & baths on both floors. Hot tub house and detached garage all on 4 acres. . . . . . . . . . . . . . . . . . . . . . . . . $224,900

Fabulous house in a wonderful location. Under 10 yrs young, modern design, efficient floor plan. Master suite plus 2 more bedrooms. Family room, game table area and office in lower level. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$269,000

7 Lark St., Gloversville

462 N. Main St., Gloversville

206 Cape Horn Rd., Johnstown

119 Bertrand Rd., Mayfield

New on the market, Craftsman style home in Gloversville’s East End. New kitchen, adjoining family rm., 2.5 new baths & laundry, master suite, large living rm w/stone fireplace, formal dining rm, two sunporches. ALL NEW SYSTEMS! . . . . . $119,900

Enjoy the delightful in ground pool ALL summer, as this real nice 3BR, 1.5 bath is move in ready & easy to maintain. Many conveniences - mudroom, 1st floor laundry, walk in closet, large living space & modern kitchen............................................$78,500

Wonderful log home on 18.8 acres in the Adirondacks. 3BR, 2 baths, open living area, wood stove, attached garage, deck, porch, full basement. Many recent updates. Close to skiing, trails, lakes .. ....................................................................$174,900

Lovely year round ranch with 30 ft. permit on the Great Sacandaga, just across the private road. Pristine condition inside and out. Views from the deck, lots of storage, well manicured yard. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$289,900

273 Smith Rd., Broadalbin

1007 Co Hwy 122, Town of Johnstown

418 N. Main St., Gloversville

13 W. Twelfth Ave., Gloversville

Real cute 3BR/2 bath ranch on 1.5 acres in Broadalbin-Perth School District. Very spacious kitchen with bar, large living room, cathedral ceiling, pellet stove. Private setting off of Smith Rd with just 4 houses... this is a rare find at . . . . . . $124,900!

5BR country estate on 45 acres. Large office has separate entrance. Sunny family room right off pool area, large eat in kitchen. Barns, milk house, silo, trails, ponds. Great location... owner ready to negotiate . . . . . . . . . . . . . . . . . . . . . . . . . . $395,000

Cream Puff! Just a cute little cottage in the city with 3BRs, 1.5 baths. Great authentic detailing with some modern upgrades to baths & kitchen. Very little yard maintenance, garage and decent basement. Priced below assessment at . . . . . . . . . . . . . . . $74,900

Cozy bungalow on pleasant dead end street, close to shopping, hospital, school. New full bath, doors, roof, furnace...FHA work needed. Tandem garage, fenced in bi-level yard, lots of storage space. . . . . . . . . . . . . . . . . . . . . . . $76,500

74 Second Ave., Gloversville

54 S. Judson St., Gloversville

9 Beech St., Gloversville

73 First Ave., Gloversville

Large cape on a nice corner lot. Lots of recent upgrades. 3BRs, 1.5 baths, finished room in lower level, fenced yard, garage. Fireplace and pellet stove. . . . . . . . . . . . . . . . . . . . . . . . . . . $85,900

New, new,, appliances, bathroom, plumbing, electrical service, roof, H/W heater, vinyl siding and some windows. It’s what the first time home buyer is looking for... low price, low taxes and little yard maintenance! . . . . . . . . . .$57,900

Adirondack coziness in the heart of the city! Spacious 2BR and private yard. Brand new siding, windows and roof. Knotty pine interior with efficient pellet stove. . . . . . . . . . . . . . . . . .$44,900

Hard to find 3 unit money maker centrally located in the city. 1st & 2nd floor apartments have long term tenants, basement unit is refreshed and ready for new tenant. 2 car garage with storage, plenty of off street parking plus yard. . . . . . . . . . .$69,900

51 Prospect Ave., Gloversville

322 Forest Ave., Amsterdam

4 Fruit St., Gloversville

• Land • Town of Johnstown - 1 acre building lot $24,900 Town of Johnstown - 2.10 acre Cul De Sac Lot $38,000

Great looking, easy to maintain, centrally located 2 family. Perfect for first time home buyers who need a little help with making the mortgage payments. No repairs needed... move right in! . . . . . . . .$59,900

Unique two family, newly refreshed, great money maker. Large first floor apartment. Smaller, efficient second floor apartment. Neighborhood has undergone a revitalization... take a look now!. .$65,000

Money making 2 family close to high school and middle school. Newer furnace, flooring, porches, hot water heaters. Priced right, good monthly rental income. Come see. . . . . . . . . . . . . . . . .$39,900

Gloversville - 2.20 acre Commercial Lot $15,000

Page 9 • REAL ESTATE GUIDE • June 1, 2013

“...for the personal attention you deserve!”

June 1, 2013 • REAL ESTATE GUIDE • Page 10

Steps to buying a home Buying your home is an exciting experience and it may be the largest financial investment you will ever make. Taking the time to learn about the steps involved in the buying process will help ensure that you purchase a quality home at a price you can afford. There are seven basic steps to buying a home: Step 1. Prepare for home ownership • Begin by seeking homebuyer education. You can contact The U.S. Department of Housing and Urban Development (HUD) to find an approved provider of homebuyer education in your area. Visit the HUD website or call 800-569-4287. • Monitor your credit record. Get a free copy of your credit report and if necessary, take steps to improve your credit score. Your credit score is a key factor in determining the rate of interest that you will pay for your mortgage loan. Generally, a higher credit score will qualify you for a lower interest rate.

• Figure out what you can afford. It will save you time, energy, and money if you have a realistic picture of what you need and how much you can afford before you start shopping for a home. • Choose the type of home that fits your lifestyle, in a location that has the amenities and community services that you want. • Know your rights. You have the right to equal housing opportunities; disclosure of settlement costs; and protection from predatory lending practices. Your home mortgage will probably be the one of the largest loan contracts you ever sign. Take the time to know your rights before you start shopping for a home and a loan. Step 2. Shop for a loan • Comparison shop. Gather all the information you need to complete the mortgage loan application. Then compare the different types of mortgages that each lender offers and the

tradeoffs associated with each option. You may want to create a comparison chart to record and compare the terms of different loans and lenders. • You can avoid paying for private mortgage insurance if you have a down payment that equals at least 20 percent of the purchase price. • Learn about home buying programs in your state that can lower your costs and mortgage payment. • Get pre-qualified for a loan. When you are ready to make an offer, you will be in a better position to have your offer accepted if you are prequalified or preapproved for a loan. Step 3. Shop for a home • Know your housing priorities, including the type of structure, size, location, and community services that are important to you. • Decide whether you want to use the services of a realtor. Realtors are familiar with the housing market and can assist

132 Reid St., Fort Plain - $125,000 Great starter home. 2BR Ranch, heated pool, eat-in kitchen, large open living/dining room, full basement, full walk-up attic, attached garage, satellite dish, wood floors, central air, public water & sewer. 25 minutes to Cooperstown, 30 minutes from Amsterdam, Utica. Nice area close to shopping. Julie Sonner Licensed Real Estate Salesperson

Cell: 518.605.0883 Office: 518.370.3170 ext. 406 • Fax: 518.370.5797 Email: 480 Balltown Road, Schenectady, NY 12304

you in finding the house that meets your needs. The seller generally pays the realtor’s commission to help sell the property, which means that the realtor will try to get the best sales price and terms for the seller. To get the best outcome for yourself, you may want to hire your own realtor to represent your interests as the buyer. • Know housing market trends before you start looking for a home. In a buyer’s market, there are a lot of homes for sale, with relatively few buyers, so sellers have to offer potential buyers additional incentives. In a seller’s market, there are a lot of buyers and relatively few homes, so sellers are likely to drive a hard bargain, and the home you want may be sold before you have a chance to make the offer. Step 4. Make an offer • Make an offer that is realistic. Offers are usually conditional on the home inspection (see step 5), appraisal, having a clear title, and final approval of the loan. • Provide an earnest money deposit. The earnest money deposit lets the seller know that you are serious about wanting to purchase the home. In most cases, if you retract your offer, the seller keeps the deposit. • Get pre-approved for a loan to give yourself a stronger negotiating position. • Negotiate the deal. When you make an offer, the interested seller usually will negotiate back and forth with you until you reach a joint agreement. Every point in the contract is negotiable, but it is usually best to know common practices and accepted standards in the negotiation of the contract before you start the process. Step 5. Get a home inspection • A home inspection report provides an in-depth and impartial evaluation of any problems with the property. Your realtor and lender will have suggestions regarding who to use. The charge for the inspection will be added to your closing costs unless the seller has agreed to pay for the report.

• When you make a written offer on a home, you need to insist that the contract state that the offer is contingent on a home inspection conducted by a qualified inspector. • If you are satisfied with the results of the inspection, then your offer can proceed, but be sure to negotiate and include, in writing, any financial adjustments, repairs or replacements that the seller agrees to make as a result of issues identified in the inspection report. Step 6. Get homeowners insurance • Learn what is covered by homeowner’s insurance and what type of policy to purchase. • Shop for a policy. Remember to consider flood and earthquake insurance if appropriate. • Know how to read the policy and file a claim. Step 7. Close the deal • The final step in the home buying process is called the “closing” or “settlement.” The closing usually takes place using the services of a settlement agent who oversees the transfer of the property from the seller to the buyer. • Prior to closing, you need to secure the services of a title company. The title company provides you with title insurance and often serves as the settlement agent. Title insurance protects you and the lender from claims by others against your new home. • The settlement agent will set

up escrow to manage the transfer of the property. All documents, deeds, titles, funds and conditions of the sale are collected in escrow and monitored by the settlement agent. When all of the conditions specified in escrow agreement have been met, you and the seller will be instructed to make an appointment to sign the paperwork that will finalize the closing. • Before you go to the closing, understand the Real Estate Settlement Procedures Act (RESPA) and the protections that it offers you. Lenders are required to give you paperwork that outlines the costs you will incur in receiving the loan. These documents include the charges you will likely pay at closing and an estimate of your monthly mortgage payments, a Settlement Statement that details all closing costs, and a Truth-in-Lending Statement that outlines all of the specifics of the loan. • Prepare ahead for closing day. At closing, you will sign numerous papers that make the sale final. Make sure that you have a good idea of what the settlement costs should be so that you can check the paperwork for errors before you sign. You will be required to bring picture ID and a cashier’s check to cover the closing costs. • The transaction is recorded with the county within a day or two of closing. After the recording, you will be given the keys to your new home! Source:

authority. All home buying professionals should be able to give you a clear idea of what they will do for you and how they will proceed. Some will put it in writing before you hire them. When a service cannot be summed up, ask to see samples of their work.

Buying a house can be confusing. Few people have the knowledge and experience needed to find, evaluate, and then buy a house without the help of various home buying professionals such as: real estate agents or brokers, home inspectors, appraisers, surveyors, attorneys, and mortgage lenders.

Always compare services and prices. Before using a business or individual, check the reputation of the firm or individual. Talk with people in your community who have used such a service recently and to local loan officers who may be able to make recommendations. Ask these important questions when

There is a big difference between professionals who can help you buy a house and those who can build or fix up a house. People who would not hesitate to question the qualifications or methods of a carpenter, plumber, mason, or landscaper are often reluctant to question the expertise or skill of other home buying professionals whose work is done on paper and not on the house.

searching for help: Exactly what will be included in your services? What will it cost? Who pays the bill? When will the work begin and how long will it take? What kind of guarantee will you provide? Source:

Home buyers, especially first-time buyers, often hesitate to ask questions. But remember, the only dumb question is the one that has not been asked. If a home buying professional cannot or will not give you a simple answer or appears offended by your questions, look for someone else to help you. If a home buying professional is put off by simple questions, imagine what will happen when you get to complicated ones! Beware of the tendency to be in awe of certain professionals, such as lawyers. Builders or contractors deal with physical products. When a carpenter builds a deck, you can examine the joists; when a roofer installs the roof, you can check the flashing. But most home buying professionals produce paperwork and opinions. There are no physical tests of quality. Without a questioning attitude, important decisions about your house purchase may rest on little more then the appearance of expertise and

SHARON SPRINGS, NY Looking for a newer home with privacy? This one has it all. Wrap around porch, views, privacy. 3rd floor has master suite w/bath, 2BR, LR, DNA, Kit on 2nd floor, finished den/family room in basement, incl. 1 car garage. 5+ acres of rolling meadows. . . . . . . . . . . . . . . . . . . . . .$169,000

SHARON SPRINGS, NY Completely renovated 2BR, 1BA home short distance from town. All new appliances, new bath, floors, electric, carpet, windows, garage door, and more. 2+ acres w/barn . . .$155,000

Hawkeye Realty, LLC 50 West Grand Street Palatine Bridge NY 13428 SHARON SPRINGS, NY Seclusion at its finest. Views to enjoy 24/7. Spacious rooms, large window for the Christmas Tree, nice pond, 3BR, 2BA, LR, FDR, eat-in kitchen. A must see for . . . . . . . . . . . . . . . .$149,900

(518)) 673-81355 •

Nicole e Huball - Licensed d Salesperson

SHARON SPRINGS, NY If your horses & a view are important, look no further. This place has it all. Plenty of windows, 2 LR’s, Dining Area, galley kitchen w/appliances. Includes 30+ acres of pasture and woods, horse barn and fenced pasture. A must see. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$225,000

SHARON SPRINGS, NY COUNTRY LIVING AT ITS BEST! Move in ready, this center hall Large three story home comes with 3BR, 2BA, LR, DR w/sliding door to deck, Eat-in kitchen, Den, several large walk-in closets w/lights. Family/game room and one car garage. Many other features including 2.6+ acres. . . . . . . . . . . . . . . $117,000

home has an up to date eat-in kitchen, DA, LR, computer room, 1 bath/laundry on first floor. Beautiful serene setting with waterfalls in stream. Large 2 story, 2 car garage/workshop, 9 Acres . . . . . . . . . . . . . . . . . . . . . . . . . . . All for $139,900

Mary Ann Larkin, Broker 7078 State Route 10 Sharon Springs, NY 518-284-3200 0 • faxx 518-284-2682 13459 •

99 Peter Peter Lane, Lane, Amsterdam Amsterdam NY NY


121,000 121,000

A cozy two bedroom home located in a residential area of Amsterdam. This ranch style home offers two bedrooms, one full bath, kitchen, breakfast area, dining room, living room, and a full finished basement. The basement consisting of three separate spaces, laundry, shop area, and a dining room. Don’t forget the outdoor space, there is an enclosed porch overlooking the back yard and above ground pool.

Page 11 • REAL ESTATE GUIDE • June 1, 2013

Selecting home buying professionals

June 1, 2013 • REAL ESTATE GUIDE • Page 12

Real estate professionals (Real Estate Broker, Realtor, Real Estate Agent) An efficient method of shopping for a house is to consult a real estate professional. How do you select one and what services can you expect? Try to find an experienced real estate professional who works primarily in the area in which you are interested and who has access to a computerized multiple-listing service (MLS). MLS is an automated system that generates a list of houses that match your requirements. There are some differences in what a broker, Realtor, or real estate agent can do for you.

and has a valid license to sell real estate. A Realtor is a licensed real estate broker or an associate holding active membership in a local real estate board affiliated with the National Association of Realtors. Membership in the Realtor organization is available only to real estate professionals who agree to subscribe to a strict Code of Ethics that goes beyond the requirements of license law. A real estate agent, associate, or salesperson can show property for sale on behalf of a seller, but may or

A broker can show property for sale on behalf of a seller,

Claudia Crawford Licensed Associate Broker Serving Montgomery, Fulton & Saratoga Counties

4720 State Highway 30 Amsterdam, NY 12010 Cell 518-866-1317 Office 518-843-4343 Fax 518-843-4321

Kathleen M. Mussi Licensed Real Estate Broker/Owner


217 N. Main Street • Gloversville, NY 12078

Tel 518-773-8457 Fax 518-773-9734 Cell 631-875-8646 We Also Specialize in Property Management

Ed Pierpont

NY Lic. #16000022349 NACHI #05122792 104 Reed Street Canajoharie, NY 13317


(518) 332-6294 Fax (518) 673-3667

may not have a license to transact the sale and collect the sales commission. Real estate agents, associates, or salespersons must operate under the supervision of a licensed broker, and they receive a portion of the commission paid to the selling broker. A real estate professional brings together sellers and buyers. Always remember just who the real estate professional is working for. Real estate professionals have a financial, legal, and moral responsibility to the seller — not the buyer. In return for representing the seller, they receive a commission from the seller when the house is sold. Most commissions are a flat percentage of the home’s sale price, usually 6 to 7 percent. Because of the way the commission system works, real estate professionals want to sell homes quickly and at the highest possible prices. Buyer’s broker or agent The concept of using a buyer’s broker or agent is relatively new. There are pros and cons to this approach. The most obvious advantage is that the buyer’s broker or agent is legally obligated to negotiate the best possible price and terms for the buyer — not the seller. A buyer’s broker can help you locate potential houses to consider and determine the condition of the houses, such as water damage. They are particularly helpful in negotiating the sales contract and writing a purchase offer that favors your position. Finally, they may be able to give advice that the traditional real estate professional could not because his or her loyalty is to the seller. The main disadvantage to using a buyer’s broker or agent is that you will have to pay a fee or commission. This may be a flat fee, a percentage of the purchase price, an hourly fee, or a combination of the three. While the buyer is primarily responsible for paying the buyer’s broker or agent, often, with consent of the seller, the fee is paid by the

seller’s agent. You will be asked to sign an agreement that spells out exactly what you want the buyer’s broker or agent to do for you. In turn, you will be obligated to work with the buyer’s broker/agent for a specific time. Dual agency At times a real estate professional may become the representative of both a seller and a buyer — creating a dual agency situation. Dual agency situations often come about when one real estate firm has a relationship with two clients, one wanting to sell and the other wanting to buy. When this happens, the real estate professional is obligated to notify each client and to modify his or her actions to ensure that duties and obligations owed to each client do not come into conflict. Primarily this involves the real estate professional’s obligation to keep confidential the motives for buying or selling and other information obtained through the agency relationship with each client. This may limit the range of duties the real estate professional may perform for either party. Buyers or sellers should carefully consider the possible consequences of the “dual agency” relationship before agreeing to such representation. What a real estate professional can do for you A real estate professional can provide you with a broad range of services including the following: • Pre-qualify you so you know what you can afford. • Use your “wish list” to generate a computer printout of houses that meet your specifications. • Show you houses that meet your requirements. (Let the agent drive.) • Provide you with information about a community, including the prices and characteristics of houses in the area, the location of schools, property tax rates, unusual building code regulations, and availability of community



• Provide you with basic data about each property including zoning, lot and house size, age, systems, equipment, and utilities.

4. Do not sign anything without first reading the document carefully. For a major purchase, you should try to have the contract reviewed by your real estate attorney before signing.

• Present your offer to the seller. • Coordinate closing details. • Advise you regarding mortgage lenders, real estate attorneys, professional home inspectors, and title companies. When working with a real estate professional: 1. Never let another real estate professional show you a house that you have previously been shown. 2. If you are seriously interested in buying a house, don’t worry about wasting a real estate professional’s time by looking at too many houses. It’s in your best interest to look at as many houses as possible. A real estate person should not push you to make up your mind or make an offer on a house before you are ready. 3. Assume that anything you say to the listing agent or broker will be told to the sellers. The listing agent or broker represents the sellers and is legally obligated to represent their interest. You can put yourself at a disadvantage in negotiating a price if you have been too enthusiastic about a house on which you decide to make an

5. If you feel you are being steered to (or away from) particular neighborhoods, if the agent or broker continues to come up with excuses as to why a house is not available for viewing, or if he or she is hard to reach or doesn’t answer your calls about a certain house, you may want to check into the possibility that discrimination is involved. As you look for a house to buy, you will probably do a lot of driving around in neighborhoods you like or checking listings in your local paper. You may come across “for sale by owner” properties. Feel free to explore these houses on your own, even if you are already working with a real estate professional. The main advantage of a “for sale by owner” property is that the real estate agent’s commission will not be added onto the sales price, making these houses somewhat less expensive. However, take extra precautions to have the house inspected before you buy, and have an attorney advise you on drawing up the sales contract. Source: North Carolina Cooperative Extension Service, Selecting Home Buying Professionals

308 Main Street Middleburgh, NY 12122

Page 13 • REAL ESTATE GUIDE • June 1, 2013

Four Star Realty Group Tracy Boomhower Lisa Tenneson

Licensed Broker, Licensed Sales Assoc. & OWNERS

518-495-9464 Tracy • 518-209-5369 Lisa Office 518-702-4194 • Fax 518-702-4059

RT. 20 in Esperance

A Short Commute To Work! Included in this sale is 6,000 sq. ft. commercial manufacturing building on Rt. 81 in Greenville. Beautiful 4BR / 3 bath home, detached 3 car garage, 30 acres, pond, pool and views!

A STEAL at $599,900

Com/Res building, retail space is 2,000 sq. ft. plus more available. Currently rented as a quilt shop. Upstairs living quarters are MAGNIFICENT, elegant and spacious, 2400 sq. ft., 3BR / 2 bath, top of the line, too much to list and a grand landscaped yard. This is one to be seen, schedule your appointment today $249,900 Bring your business or keep renting the downstairs space to cover your mortgage.

Middleburgh 6 years old, 3BR, full finished basement, inground heated pool







Preston Hollow 4BR Cape, nice yard, 1 car garage, pool


Troy 2 Family, near RPI in Troy! INVESTMENT



Middleburgh Center hall colonial, walk to schools and shops. 3BR, 1 1/2 bath


Broome Log home, 22 acres, huge heated garage, VIEWS




DON’T WAIT priced to move fast at $365,000

E. Greenbush 2BR cottage style home, close to Albany


Broome 3BR, 2 full bath, finished basement, heated 30x40 garage, 5 acres

SACRIFICE SALE Due to health reasons, owner is giving this away. Grand “lodge” style home, 3,700 sq. ft., you put finishing touches on, guest house, barn, horse paddock, garage, whole house generator, 57 glorious acres and an 8 acre pond!!

Middleburgh 2 Family in village, walk to amenities, 2BR and 3BR apts.




Middleburgh Quaint 3BR village home, NEW kitchen, garage, nice yard



Visit us at for these and more

June 1, 2013 • REAL ESTATE GUIDE • Page 14

Looking for the best mortgage Shopping around for a home loan or mortgage will help you to get the best financing deal. A mortgage — whether it’s a home purchase, a refinancing, or a home equity loan — is a product, just like a car, so the price and terms may be negotiable. You’ll want to compare all the costs involved in obtaining a mortgage. Shopping, comparing, and negotiating may save you thousands of dollars. Obtain information from several lenders Home loans are available from several types of lenders — thrift institutions, commercial banks, mortgage companies, and credit unions. Different lenders may quote you different prices, so you should contact several lenders to make sure you’re getting the best price. You can also get a home loan through a mortgage broker. Brokers arrange transactions rather than lending money directly; in other words, they find a lender for you. A broker’s access to several lenders can mean a wider selection of loan products and terms from which you can choose. Brokers will generally contact several lenders regarding your application, but they are not obligated to find the best deal for you unless they have contracted with you to act as your agent. Consequently, you should consider contacting more than one broker, just as you should with banks or thrift institutions. Whether you are dealing with a lender or a broker may not always be clear. Some financial institutions operate as both lenders and brokers. And most brokers’ advertisements do not use the word “broker.” Therefore, be sure to ask whether a broker is involved. This information is important because brokers are usually paid a fee for their services that may be separate from and in addition to the lender’s origination or other fees. A broker’s compensation may be in the form of “points” paid at closing or as an add-on to your interest rate, or both. You

should ask each broker you work with how he or she will be compensated so that you can compare the different fees. Be prepared to negotiate with the brokers as well as the lenders. Obtain all important cost information Be sure to get information about mortgages from several lenders or brokers. Know how much of a downpayment you can afford, and find out all the costs involved in the loan. Knowing just the amount of the monthly payment or the interest rate is not enough. Ask for information about the same loan amount, loan term, and type of loan so that you can compare the information. The following information is important to get from each lender and broker: Rates • Ask each lender and broker for a list of its current mortgage interest rates and whether the rates being quoted are the lowest for that day or week. • Ask whether the rate is fixed or adjustable. Keep in mind that when interest rates for adjustable-rate loans go up, generally so does the monthly payment. • If the rate quoted is for an adjustable-rate loan, ask how your rate and loan payment will vary, including whether your loan payment will be reduced when rates go down.

Points Points are fees paid to the lender or broker for the loan and are often linked to the interest rate; usually the more points you pay, the lower the rate. • Check your local newspaper for information about rates and points currently being offered. • Ask for points to be quoted to you as a dollar amount — rather than just as the number of points — so that you will actually know how much you will have to pay. Fees A home loan often involves many fees, such as loan origination or underwriting fees, broker fees, and transaction, settlement, and closing costs. Every lender or broker should be able to give you an estimate of its fees. Many of these fees are negotiable. Some fees are paid when you apply for a loan (such as application and appraisal fees), and others are paid at closing. In some cases, you can borrow the money needed to pay these fees, but doing so will increase your loan amount and total costs. “No cost” loans are sometimes available, but they usually involve higher rates. • Ask what each fee includes. Several items may be lumped into one fee. • Ask for an explanation of any fee you do not understand.

• Ask about the loan’s annual percentage rate (APR). The APR takes into account not only the interest rate but also points, broker fees, and certain other credit charges that you may be required to pay, expressed as a yearly rate.

Down payments and private mortgage insurance Some lenders require 20 percent of the home’s purchase price

Looking 15

Junell Gray ~ Licensed Real Estate Salesperson “ Because Your” Keller Williams Realty Capital District Move Matters 935 New Loudon Road, Latham, NY 12110 CELL/TEXT (518) 588-5141 • Office (518) 724-5864 • I am lifetime resident of Montgomery County and serve clients in Montgomery, Fulton, Saratoga, Schenectady, Albany & Schoharie Counties. I have 15 years experience in real estate. If you are looking to buy a home or sell a home please contact me to discuss your wants and needs. I would love the opportunity to assist you. I am also a member of the Greater Capital District MLS & Fulton County Board MLS.




New Modern Kitchen, Bath & Master Bedroom. Come see this updated, elegant 4 BR 1 ⁄ BA home today. Fonda-Fultonville School District. New Kitchen, stainless steel appliances, granite counter tops, ceramic tile floor, crown molding throughout, new furnace and so much more. Close to NYS thruway, Route 5 & 5S for an easy commute.

FONDA-FULTONVILLE SCHOOL DISTRICT This house is in move-in condition and priced to sell. Attractive, well maintained, cozy 3 bedroom, 1.5 bath home, located on a quiet side street, landscaped yard, deck, above-ground pool, paved driveway and more. You could be celebrating July 4th with your family and friends here, call Today!

PRICED AT $45,000.00 254 Kingsboro Avenue, Gloversville, NY Sellers have moved and need to sell this NOW! This is a 3 bedroom, 1 bath home home located across from a Veterans Park in Gloversville. Low taxes, freshly painted inside, original hard wood floors & just needs a buyer to make it a home now.




$37,000.00 in Town of Ephratah Nice quiet country setting, 1 acre lot with a Champion mobile home in good condition & a 24 x 24 garage. Garage includes a built in vehicle lift, furnace & cement floor. Home includes furnishing if desired, washer, refrigerator & stainless steel stove. Option to buy the adjoining 1 acre lot. WE HAVE FINANCING FOR QUALIFIED BUYERS.

1 ACRE LOT, Town of Ephratah $20,000.00 Looking for a place to build a home or to just call your own? Enjoy this private 1 acre lot with an existing 24 x 48 outbuilding with electric, driveway & septic system. Close to Johnstown, St. Johnsville or Fonda. Owner will consider holding a private note and mortgage for a sale. Call (518) 588-5141.



Town of Charleston, NY Sale Pending House is only 11 years old, beautiful country setting, view, 59 acres and 2 large barns located off a quiet road with an easy commute to the Capital District. FondaFultonville School District.


181 Lakeside Drive, Mayfield, NY Private Dock on Sacandaga Lake Enjoy this well maintained, charming 1,536 sq. ft. Lake Front Home immediately with a spacious 34 x 24 garage, shed, screened porch, large lot, private dock and mooring ball. Don't wait until summer is over, call today and enjoy your summer here!

as a down payment. However, many lenders now offer loans that require less than 20 percent down — sometimes as little as 5 percent on conventional loans. If a 20 percent down payment is not made, lenders usually require the home buyer to purchase private mortgage insurance (PMI) to protect the lender in case the home buyer fails to pay. When government-assisted programs such as FHA (Federal Housing Administration), VA (Veterans Administration), or Rural Development Services are available, the down payment requirements may be substantially smaller. • Ask about the lender’s requirements for a down payment, including what you need to do to verify that funds for your down payment are available. • Ask your lender about special programs it may offer. If PMI is required for your loan,

difference between the lowest available price for a loan product and any higher price that the borrower agrees to pay is an overage.

Credit problems? Still shop, compare, and negotiate When overages occur, they are built into the prices quoted to consumers. They can occur in both fixed and variable-rate loans and can be in the form of points, fees, or the interest rate. Whether quoted to you by a loan officer or a broker, the price of any loan may contain overages. Have the lender or broker write down all the costs associated with the loan. Then ask if the lender or broker will waive or reduce one or more of its fees or agree to a lower rate or fewer points. You’ll want to make sure that the lender or broker is not agreeing to lower one fee while raising another or to lower the rate while raising points. There’s no harm in asking lenders or brokers if they can give better terms than the original ones they quoted or than those you have found elsewhere.

• Ask what the total cost of the insurance will be. • Ask how much your monthly payment will be when including the PMI premium. • Ask how long you will be required to carry PMI. Obtain the best deal that you can Once you know what each lender has to offer, negotiate for the best deal that you can. On any given day, lenders and brokers may offer different prices for the same loan terms to different consumers, even if those consumers have the same loan qualifications. The most likely reason for this difference in price is that loan officers and brokers are often allowed to keep some or all of this difference as extra compensation. Generally, the

characteristics nor be charged more for a loan or offered less favorable terms based on such characteristics.

Once you are satisfied with the terms you have negotiated, you may want to obtain a written lock-in from the lender or broker. The lock-in should include the rate that you have agreed upon, the period the lock-in lasts, and the number of points to be paid. A fee may be charged for locking in the loan rate. This fee may be refundable at closing. Lock-ins can protect you from rate increases while your loan is being processed; if rates fall, however, you could end up with a less favorable rate. Should that happen, try to negotiate a compromise with the lender or broker.

Don’t assume that minor credit problems or difficulties stemming from unique circumstances, such as illness or temporary loss of income, will limit your loan choices to only high-cost lenders. If your credit report contains negative information that is accurate, but there are good reasons for trusting you to repay a loan, be sure to explain your situation to the lender or broker. If your credit problems cannot be explained, you will probably have to pay more than borrowers who have good credit histories. But don’t assume that the only way to get credit is to pay a high price. Ask how your past credit history affects the price of your loan and what you would need to do to get a better price. Take the time to shop around and negotiate the best deal that you can. Whether you have credit problems or not, it’s a good idea to review your credit report for accuracy and completeness before you apply for a loan. To order a copy of your credit report, contact: Equifax: 800-685-1111 TransUnion: 800-916-8800 Experian: 800-682-7654 Source:

Remember: Shop, Compare, Negotiate When buying a home, remember to shop around, to compare costs and terms, and to negotiate for the best deal. Your local newspaper and the Internet are good places to start shopping for a loan. You can usually find information both on interest rates and on points for several lenders. Since rates and points can change daily, you’ll want to check your newspaper often when shopping for a home loan. But the newspaper does not list the fees, so be sure to ask the lenders about them. Fair lending is required by law The Equal Credit Opportunity Act prohibits lenders from discriminating against credit applicants in any aspect of a credit transaction on the basis of race, color, religion, national origin, sex, marital status, age, whether all or part of the applicant’s income comes from a public assistance program, or whether the applicant has in good faith exercised a right under the Consumer Credit Protection Act. The Fair Housing Act prohibits discrimination in residential real estate transactions on the basis of race, color, religion, sex, handicap, familial status, or national origin. Under these laws, a consumer cannot be refused a loan based on these

MOHAWK Towne & Country Realty SUZANNE LEAVITT Licensed Real Estate Broker 5696 St. Hwy. 5, Palatine Bridge, NY 13428


Fax 518-673-5816 Cell 518-332-5887


Page 15 • REAL ESTATE GUIDE • June 1, 2013

Looking for the best mortgage continued from 14

June 1, 2013 • REAL ESTATE GUIDE • Page 16

316 Mohawk Drive, Tribes Hill, New York

Exceptional Townhouse Living! * NEW LISTING In this beautiful 3BR, 3 bath townhouse overlooking the 4th hole at Rolling Hills Country Club. No expense has been spared in updating the 2,800 square feet of living area. Inside it has a newer kitchen with granite countertops and glazed maple cabinets, formal dining room, large living with a gas fireplace, master bedroom with bathroom, finished basement family room and exercise room, walk out basement, and to many upgrades too list! Offered at $239,000

9.50 Acres Town of Glen * NEW LISTING If you have been looking for a country location that is close to work and shopping this is it! 9.50 acres of tranquility with a great view looking north and west just off NY 5S. Land has 205.20 feet of road frontage and it is open fields with some woods, Fonda Fultonville Central schools and owner invites offers on . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $52,500

Town of Glen Ranch * NEW LISTING Country living in this 3 bedroom, 2 bath ranch on a 6.10 acre parcel. Home has an oak kitchen with dining area, three spacious bedrooms, a large living room, attached 2 car garage, 16’x30’ pole barn, and it is in the Fonda Fultonville School district. It will sell quickly so call us for a showing! . . .Only $99,000

Fonda Two Family * NEW LISTING Well maintained 2/2 bedroom spacious flat that will make great owner occupied property on investment property. It has large flats with eat-in kitchens, living rooms, full bathrooms, spacious bedrooms, separate heat & lights, off street parking and offers wanted on . . . . . . . . . . . . . . . . . . .$49,900

Thank god for bargains! * NEW LISTING You can’t beat the price of only $55,000 for this sweet 2 bedroom, 1 bath cape on a quiet side street in Amsterdam. It has an adorable interior with a living room with fireplace, dining room, galley style kitchen, large sun room, detached 1 car garage and it won’t last long.

829-7250 See all our listings at: Broadalbin Perth School Region * NEW LISTING With this turn key ready cape on a 1.10 acre lot in the country. It has a white on white kitchen, one bath, dining room, living room, family room addition with knotty pine walls and fireplace, open back porch, low taxes and a price of only $89,000! It won’t last long!!

Hold Your Horses! * NEW LISTING

Absolutely Fabulous * NEW LISTING Need we say more about this near new 3+ bedroom, 2 bath contemporary ranch situated on an executive cul-desac. Of course there is a custom oak kitchen with dining area, an elegant formal dining area with pillars, 26’x35’ great room with amazing built ins and overlooks the professionally landscaped rock gardens and coy pond in the back yard. What makes it special is the feeling of elegance tempered with simplicity. Offered to those who appreciate the very best at . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$345,000

Palleen Manor, Fultonville * NEW LISTING

16.60 acres of clear farmland Almost new 3 bedroom, 1.5 bath with 405’ of road frontage in raised ranch on an 80’x100’ lot. Home the Town of Glen. Land is just is turn key ready with an open concept off NY 5S near the shrine and it kitchen, living room and dining room. comes with a HUGE steel Finished basement family room, secMorton style building with a ond floor laundry, attached two car concrete floor. Parcel is in the single family home just outside the Fonda Fultonville Central school district and there are public power lines along village that sits on a 185’x130’ lot that must be sold to settle estate. It has a the road. Great site for your new home and perfect spot for a hobby farm! . formal living room and dining room, enclosed front and back porches, . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Offered at $67,500 detached 1 car garage, and it is priced at only . . . . . . . . . . . . . . . .$55,000!

West Caroga Lake Camp * NEW LISTING Watch the sunset on Sheeley mountain and view the lake from this 4 bedroom, 1 bath with 46’ of lake frontage on West Caroga. Inside it has a very large living room with fireplace, dining room, large kitchen, 1 car garage, and owners want offers on . . . . . . . .$225,000

Shuttleworth Park Region Cottage * NEW LISTING Great condition 2 bedroom, 1 bath cottage on a 40’x100’ lot on a quiet side street. It has a great floor plan with an oversized living room and dining room, carriage house kitchen, 2 enclosed porches, detached garage with screened porch area, central air, and owner wants offers on . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$65,000

Hickory Hill Region Cape * NEW LISTING No home improvements needed with this 4 bedroom, 2 bath cape on a 75’x175’ lot in a great setting! Inside it has a spacious living room, dining room, kitchen and an open family room overlooking the back yard. 4 spacious bedrooms with 2 on the first floor, 2 up, there’s a 1 car garage, and it won’t last long because owner wants it sold ASAP and wants offers on . . . .$139,000

Town of Florida Cape * NEW LISTING Surrounded by 1000’s of acres of picturesque farmland you will find this sweet 3 bedroom cape with a new bath, new kitchen, cozy living room.

Town of Glen Cottage

Tudor Style Two Family * NEW LISTING

Amazing setting surrounded by 1000’s of acres of fields and a panoramic view from every direction! Inside it has stained glass windows, wainscoted cupboards, hardwood floors, 3 bedrooms, 1 bath, living room and dining room with built in’s, and owner wants offers on . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$75,000

One of a kind two family on a huge corner lot in a great neighborhood. It has 3 bedrooms in the first floor flat, and two bedrooms upstairs. First floor has a large living room with a fireplace, huge eat in kitchen, updated bathroom, hardwood floors. It comes with a detached 2 car garage, separate heat and lights, and you can let the tenant pay the mortgage! Offered at . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$115,000

Town of Canajoharie

Hold Your Horses!

Gillen Road, Town of Charleston

2,042 square foot farmhouse just on the edge of the village. It was built in 1870 and has 3+ bedrooms, 1.5 baths, and sits on 3.00 acres. It has been lovingly maintained over the years. It has a carriage house kitchen, pine front foyer, dining room, with a pellet stove, large living room, with a full wall window, ceramic bath, and new windows and doors. Offers wanted on . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$225,000

In great condition 3 stall horse barn adjacent to this great condition 3 bedroom, 1.5 bath colonial in the Town of Root. Inside it has a living room with woodstove, sharp updated kitchen with dining area, mudroom, 3 spacious bedrooms, attached garage, turn out area for horses, and you can’t beat the setting! Fonda Fultonville Central school district and offers wanted on . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$149,000

This historic 1850’s Greek Revival is one of the oldest houses in the Town of Charleston. It sits on 2.66 acres on a dead end road & has seen many recent updates including all new windows, freshly painted exterior, updated electric, furnace and pellet stove. It has 5 bedrooms, 1.5 baths, double living room, formal DR & eat in kitchen. Also wide board floors, authentic woodwork, front and back stairs, insulation and great porches. This one is well on it’s way to restoration. It just needs your good taste to bring it back to its former glory . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$150,000

102 Knowlton Avenue, Fonda 2 story home sits on a really nice 185' x 130' lot as per deed. Home features 2 bedrooms, 1 full bathroom, kitchen, formal dining room and large living room. Beautiful wide plank wood floors, den, enclosed front and back porches, large yard and a 1 car garage. . . . . . . . . . . . . . . . . . . . . . . .$55,000

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June 1, 2013 • AUTO, TRUCK -N- MOTORCYCLE • Page 2

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the vehicle’s paint with debris from the wheels and tires. Wash in the shade and with a product sold specifically for cars. Wash one section at a time, thoroughly rinsing away the soap as you go. Work your way down toward the front, sides and rear of the vehicle. Clean the fenders and bumpers last since they will have the most dirt and grime that can contaminate the

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Page 3 • AUTO, TRUCK -N- MOTORCYCLE • June 1, 2013

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June 1, 2013 • AUTO, TRUCK -N- MOTORCYCLE • Page 4

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Check Out Our Complete Line of Inventory at 1999 BMW 3 Series 323iC 70,551 Miles, GORGEOUS!! Soft Top Convertible, 5 Spd. Manual, 2.5L V6 Engine, Leather, Heated Seats, Alloys, PW, PL, PM, AC, Cruise, Keyless Entry



2007 Lexus ES 350 68,802 Miles, BEAUTIFUL CAR!! ONE-OWNER! Power Moonroof, Power Leather Seats w/Memory Settings, Dual Climate Control, New Tires, PW, PL, and Mirrors, AM/FM/CD/MP3, Keyless Entry!! $



2008 Honda Civic LX Sedan 65,626 Miles, 5-Sp Manual Transmission, Power Windows, Locks, and Mirrors, Air Conditioning, AM/FM/CD, Cruise Control, Tilt Steering Wheel, and Steering Wheel Controls $


2008 Mercedes-Benz C-Class C300 4Matic 24,041 Miles, One Owner, AWD, Fully Loaded, Power Heated Seats w/Lumbar, Power Moonroof, Dual Climate Control, Hands-Free Communication, Traction Control $


1968 Chevy Camaro 21,839 Miles, 327 V8 Engine, Factory A/C, Original Seats, Glass, and Chrome. Vehicle has Been Repainted and Given a New Vinyl Top. The Motor was Removed, Repainted, Given New Gaskets, and Professionally Reinstalled!! $


1999 Toyota Corolla CE 74,370 Miles, 5-Sp Manual Transmission!! Power Windows and Locks, Air Conditioning, AM/FM/CD, Cruise Control, Tilt Steering Wheel, and Keyless Entry!! $

2006 BMW 3 series 325i 76,876 Miles, Power Moonroof, Leather Upholstery, Power/Heated Seats, Dual Climate Control, Keyless Entry, AM/FM/CD, NEW BRAKES, NEW TIRES!! $


2005 Mercedes CLK500 Cabriolet 59,267 Miles, Black Soft-Top Convertible!! LOADED! Alloy Wheels, Dual Climate Control, Keyless Entry!!




2004 Chrysler Crossfire 62,859 Miles, Power/Heated Leather Seats, ‘Infinity’ Sound w/AM/FM/CD, 19” Alloys, Auto-Dim Rear View Mirror, Traction Control, Homelink, PW, PL, PM, SHARP! $



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2005 Chrysler Town & Country LX 52,843 Miles, ONE-OWNER!! NEW TIRES!! 3rd Row Seating, Dual Sliding Doors, PW, PL, and P. Mirrors, Tinted Windows, AM/FM/CD/Cassette, Keyless Entry!!



2008 Hyundai Elantra SE 43,634 Miles, Loaded with Great Features including Power Sunroof, PW, PL, PM, Satellite Radio, AC, Cruise, Front, Side & Rear Airbags Special



1999 Buick Century Custom 43,001 Miles, ONE-OWNER!! Power Driver's Seat, PW, PL, P. Mirrors, 'Concert Sound II' System with AM/FM Stereo/Cass, Dual Climate Control, Traction Control!!



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24 Month/ 25,000 Miles with purchase or lease of new vehicle

Pre-owned Cars 13250A 13206A 13376A 13424A 12633B 13265B 12744A 12770A 13397A 13198A 13258A P799A

2005 2007 2008 2008 2007 2007 2009 2010 2008 2009 2008 2012

Ford Mercury Pontiac Nissan Buick Scion Chevrolet Kia Chevrolet Hyundai Honda Hyundai

Focus Wagon Grand Marquis G6 Sentra Lacrosse tC Cobalt Optima Impala Sonata Civic Accent

86K 93K 58K 57K 87K 46K 17K 46K 78K 75K 50K 30K

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$119/mo $136/mo $170/mo $187/mo $187/mo $187/mo $187/mo $187/mo $187/mo $204/mo $204/mo $221/mo

P861 13304A 13203A 13342A P886 1391A 13426A P894 P874 12679B 13309A 13168B

2010 2011 2010 2007 2010 2007 2009 2008 2011 2011 2010 2009

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Corolla Cruze Camry LE 350z Touring Prius Hybrid RL Camry Diamond Edition Avalon XLS Accord Optima Avalon 528xi

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12K 35K 22K 11K

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57K 26K 40K 52K 20K 9K 45K 12K

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$221/mo $238/mo $255/mo $306/mo $306/mo $306/mo $306/mo $323/mo $341/mo $375/mo $392/mo $460/mo

Pre-owned Trucks 13271A P884 13319B 13246A

13370B 13289A 13426A 13381A 13171C P885 12592A P863 12711A

2005 2009 2011 2010

2005 2007 2007 2010 2010 2010 2012 2011 2011

Chevrolet Toyota Ford Chevrolet

Ford Toyota Saturn Chevrolet Chrysler Dodge Dodge Kia Toyota

1500 Ext. Cab Tacoma Dbl. Cab F150 Super Cab K1500

Escape Sienna Vue 1500 Cargo Van Town & Country Nitro Heat AWD Grand Caravan Sorento Rav4

86K 42K 17K 33K

78K 85K 49K 51K 53K 52K 32K 30K 33K

$15,966 $24,966 $24,995 $25,966

$238/mo $392/mo $392/mo $409/mo

13224A 13226A 13136B R060A

2012 2010 2011 2012

Pre-owned SUVs/Vans

$11,995 $11,966 $12,995 $13,966 $16,966 $17,966 $18,966 $19,966 $19,966

$170/mo $170/mo $187/mo $204/mo $255/mo $272/mo $289/mo $306/mo $306/mo

Payments based on $1,999 cash down. 2005 and newer 5.99% APR for 72 months, 2004 and older 7.99% APR for 60 months. Taxes and fees extra. Must be credit qualified.

13237A 13303A 13363A 13100A 13372A R063 13160A 13408A

2010 2010 2009 2009 2011 2013 2010 2011

Toyota Toyota Toyota Honda Honda Toyota Toyota Toyota

$341/mo $341/mo $341/mo $375/mo $409/mo $460/mo $460/mo $494/mo

Page 5 • AUTO, TRUCK -N- MOTORCYCLE • June 1, 2013

Start Your ROAD TRIP off at

Toyota Complimentary Maintenance

June 1, 2013 • AUTO, TRUCK -N- MOTORCYCLE • Page 6

Pre-owned motorcycles 2012 Yamaha VStar 950 Loaded, 2,970 Miles Call For Price

2006 Yamaha R1 45th Annv. 8,179 Miles $6,795

2010 Honda Fury 1300 330 Miles $8,995

2006 H/D Sportster Custom, 11,412 Miles $4,995

2009 Honda VTX 1300 w/Extras $7,195 2009 Suzuki M50 Boulevard 805 6,122 Miles $5,595 2008 Yamaha 1100 Classic 9,682 Miles $5,995 2008 Kawasaki Vulcan 500 LTD 2,917 Miles $3,595 2007 Honda Shadow 750 Aero 2,600 Miles $4,795 2007 Victory Jackpot 1643CC $8,795

2006 Yamaha 650 VStar 17,624 Miles Call For Price 2003 Honda 750 Spirit 16,699 Miles $2,995 2003 Kawasaki Vulcan Nomad Loaded $5,895 2003 Yamaha 650 Custom 6,622 Miles $3,195 1999 Kawasaki Vulcan 1500 30,107 Miles Call For Price

NEW 2013 Qlink Front Runner 500cc, Fuel Injected Starting at

7,999 + Tax


NEW 2013 Qlink Front Runner 700 Fuel Injected Starting at $

8,999 + Tax

NEW 2011 Qlink XP200 ON OFF ROAD BIKES, 200cc, 5 Spd. Trans., Mikiuni Carb, Warranty.

Now Only $2,295

+ Tax &

DMV Fees

DEALER TRI KE CONVE RSION S for Harley Davidson, Honda, Kawasaki, Yamaha

2013 Grizzly’s

125 300 450 500

........ ........ ........ ........

3,495+Tax $ 4,195+Tax $ 6,495+Tax $ 7,995+Tax $

Generator Sales & Service

We Service All Brands of Motorcycles • NYS Inspections We Install Tires, Pipes, Jet Kits, Programmers, & Most Any Accessories Buy your tires from us and we will install for free - Call for details!

Rt. 5, Nelliston, NY • 518-993-3269

• • • • •



Page 7 • AUTO, TRUCK -N- MOTORCYCLE • June 1, 2013

June 1, 2013 • AUTO, TRUCK -N- MOTORCYCLE • Page 8

315-866-4141 2006 Ford F-350

2011 Kia Rio LX Low Miles


2009 Suzuki SX4 Technology 2009 Ford Focus SES 2011 Hyundai Elantra GLS


$271.72 2012 Ford E250 Cargo

Ready to Go





$234.56 2011 Ford Fiesta SES

2010 Subaru Legacy 2010 GMC Canyon SLE 2010 Subaru Forester 2.5I

1 Owner

Quad Cab


Factory Warranty


$294.84 $294.33



2008 Dodge RAM 1500 SLT 2010 Hyundai Tuscon

$206.46 2012 Fiat 500 Sport

2010 Nissan Frontier SE

GLS Leather & More




2010 Kia Sedona LX

Like New





2010 Honda Civic LX-S 2010 Volkswagen Jetta 2011 Chevrolet Cruze LT Gas Saver



Stow - nGo



TDI Diesel

Full Warranty

2010 Dodge Grand Caravan

2009 Pontiac Vibe




$323.61 2011 Kia Sorento LX


2011 Mitsubishi Galant 2008 Volkswagen Jetta SE ES


2011 Subaru Outback 2.5i Limited

Save Thousands

5 Speed


Low Miles



*Payments based on Tier 1 credit with $2,000 cash or trade in. Tax & tags not included.

Good for as long as you own your vehicle • “0” Deductible

AGE is better - 55 & Over Save An Additional 10% We Accept All Extended Warranties Service Hours Mon.-Fri. 9am-6pm Sat. 9am-1pm



Every 3,000 miles, change your oil and filter with premium NAPA products and rotate tires. Must present coupon at time of service. Certain restrictions may apply. Offer expires 6/12/13



Must present coupon at time of service. Certain restrictions may apply. Offer expires 6/12/13

Must present coupon at time of service. Certain restrictions may apply. Offer expires 6/12/13



$49.95 $49.95 $119.00

Limited Lifetime Warranty. Must present coupon at time of service. Certain restrictions may apply. Offer expires 6/12/13

We Match All Competitors Coupons!

Sales Hours Mon.-Thurs. 9am-7pm Fri. 9am-6pm; Sat. 9am-4pm

State Rte. 28 North, Herkimer, NY - Just behind Hannaford Supermarkets

Dollar Saver Schoharie 6.13  

Dollar Saver Schoharie June 2013

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