Welcome Homes, January 2019

WELCOME JANUARY 2019

For more information, visit us at www.hoisingtonvt.com Walking distance to local golf course, in a desirable neighborhood. This three bedroom, three bathroom, three fireplace spacious ranch style home in Bennington has mostly hardwood floors throughout, partially finished basement and 2 car garage. Also, updated windows & boiler system, and new deck to sit and enjoy.

Listing Agent: Timothy Corcoran II

$269,000

Published on the last Saturday of every month by

The Bennington Banner www.benningtonbanner.com The Manchester Journal www.manchesterjournal.com

Saturday, December 29, 2018 | Welcome Homes

Start The New Year with a New Home Equity Line of Credit!

3.99% FIXED for 24 months While other Home Equity Lines of Credit rates are rising, ours is dropping.

Apply today.

Bennington

Manchester

802-442-8121 802-362-4760

Arlington

Rutland

802-375-2319 802-774-5085

TheBankof Bennington.com

Your Money Stays Here, Works Here, and that Makes a Difference.

Interest rate based on 700 credit score, primary residence, owner occupied. Interest rates are subject to change without notice and may vary. Interest rate is fixed for 24 months at 3.99% APR. After the first 24 months the interest rate will adjust monthly to Wall Street Journal Prime, currently 5.25%. Maximum APR is 18.00%. A $99.00 origination charge is applicable.

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At Your Service

2

s ’ y a

J

Art Shop & Frame Gallery Also Cards & Gifts

Rte 7 South St. Bennington, VT Open Daily 802-447-2342 www.jaysartshop.com

McClintock Law O Office, PC THE PERFECT FRAME FOR YOUR PERFECT HOUSE

Practicing Law Since 1983

Squire House, 185 North Street Bennington, VT 05201 Tel: (802) 442-1201 Fax: (802) 442-1203 www.ltmatty.com

Expert Custom Framing Large Selection of Prints & Framed Art Lon T. McClintock, Esq.

Real Estate Wills & Estate Planning Business and other matters

To be part of this directory, Call (802) 447-7567 ext. 101

Welcome Homes | Saturday, December 29, 2018

How to

Save for Your First Home

process, as all you need to do is log into your accounts and see how your money was spent over a given period. If you routinely use cash to pay

for items, even just to buy coffee on the way to work, keep a notepad handy so you First Home, continued on 6

The Bennington Banner | BenningtonBanner.com

tistics Canada and the Bank of Canada has shown that, since 2015, wage growth in Canada has been weaker than in the United States.

Various challenges can make it difficult to buy a home.

However, some simple strategies can help prospective home buyers build their savings as they move closer to the day when they can call themselves “homeowners.”

• Determine where your money is going. If you’re finding it hard to grow your savings, audit your monthly expenses to determine where your money is going.

Using exclusively debit or credit cards can simplify this

All photos from Metro Creative

Home ownership is a dream for people across the globe.

Many people save for years before buying their first homes, squirreling away every dollar they can with the hopes they can one day become homeowners.

But thanks to factors beyond their control, even the most devoted savers can sometimes feel like their dream of home ownership may never come true. According to the Pew Research Center, American workers’ paychecks are larger than they were 40 years ago, but their purchasing power is essentially the same. Things aren’t much different in Canada, where analysis from Sta-

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Saturday, December 29, 2018 | Welcome Homes The Bennington Banner | BenningtonBanner.com 6

First Home, continued from 3 can jot down each expense.

Do this for a month and then examine how you spent your money. Chances are you will see various ways to save, and you can then redirect that money into your savings account.

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

also can save money.

• Dine in more often. The U.S. Department of Agriculture says that Americans spend, on average, 6 percent of their household budgets on food.

However, the USDA also notes that Americans spend 5 percent of their disposable income on dining out.

If these figures mirror your spending habits, you can nearly cut your food spending in half by dining out less frequently. That might be a sacrifice for foodies, but it can get you that much closer to buying your own home.

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

Welcome Homes | Saturday, December 29, 2018

Your Perfect Home is now in reach – no matter where you are.

Access The Book of Homes from anywhere with your smartphone, computer, or tablet.

Read the latest issue hot off the presses with The Berkshire Eagle and The Bennington Banner e-editions, free with your All-Access subscription.

Everyone: View The Book of Homes any time on our websites at berkshireeagle.com and benningtonbanner.com

To learn more, call 1-800-245-0254

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– SUBSCRIBERS –

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Saturday, December 29, 2018 | Welcome Homes

See Even More At www.hoisingtonvt.com

Victorian style 3BR/1BA home with wrap around porch. Located in a mix of apartments and single family homes. Big rooms on first floor, narrow but long lot. Must See!

3BR/1.5BA in established neighborhood, attached one-car garage, updated kitchen, newer appliances, new wood floors in living room & hallway, family room in basement.

$135,000 Listing Agent: Joyce Scarey WP NE

RI C

Downtown 3 unit has strong rental history! 2BR/2BA unit is ideal for owner occupancy; rent the 2BR/1BA unit & studio apartment. Large yard, off street parking.

$174,000

$139,900

Listing Agent: Kelley McCarthy

E

Listing Agent: Timothy Corcoran II

W NE

3BR/1BA home offering just over 1,500 Sq. Ft. of living space, Detached 1-car garage, above ground pool, 2 enclosed porches on .92 acre.

$145,000 Listing Agent: Timothy Corcoran II

Great Get-Away log home in the woods with open floor plan.

2-car garage with apartment above, 14 private acres.

Rare opportunity! Exclusive gated Vermont Outing Club has membership & camp available. Furnished, 3BR/2BA and a shed.

Nothing to do but move in & enjoy the view.

$159,900

$135,000

Listing Agent: Kelley McCarthy

Listing Agent: Kelley McCarthy

The Bennington Banner | BenningtonBanner.com

W NE

8

W NE

Beautiful move-in ready 2BR/2BA townhouse updated with wood floors and fresh paint. Open floor plan, all appliances included, located close to town amenities.

$115,900 Listing Agent: Kim Warren

Historic Victorian in the heart of Bennington. Single family residence and/or office space. Gorgeous original details.

Split level ranch on .91 of an acre with three lovely, updated bedrooms, sunroom, large dining area on the outskirts in North Bennington!

$195,000

$169,000

Listing Agent: Nancy Stagnitti

Listing Agent: Nancy Stagnitti

Kathleen Hoisington - 379-1656 • Kim Warren - (518) 944-4620 • Joyce Scarey - 688-7243 • Suzy Yucht - 688-9314 • Kelley McCarthy - (802) 779-4115 • Nancy Stagnitti - (518) 258-0318 Tim Corcoran - 688-6279 • Nancy Woltman - 345-8095 • Ted Bird, Commercial Agent - 379-1144 • Linda McLenithan - (802) 375-3632 • Lori Hurley - (508) 320-9014

CALL US ANY TIME

(802) 442-8337 • FAX (802) 442-1098

489 Main Street, Bennington, VT 05201• E-mail: info@hoisingtonvt.com Internet: www.hoisingtonvt.com • M-F 8 am-5 pm, Sat 9 am-1 pm, Sun by appt.