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On The Edge

Homes

A buddy of mine just took the plunge. After years of homeownership, he found an “upgrade” house at an incredible deal and signed on the bottom line. The idea of gaining additional square footage and appealing upgrades in a family-friendly location sealed the deal. Now comes the challenging part…selling his current home.

jefferson-lewis co. NY, Edition Published By LISI MERCHANT SOLUTIONS, INC.

Traditionally, more people buy in the spring and move in June, July and August.

That’s really no surprise given the fact that it’s generally easier to move when the kids are out of school and the weather is good. So, do buyers and sellers still “make their move” during the other nine months of the year? You bet they do, and if you’re one of the millions planning to buy or sell this year, it’s in your best interest to make sure you have the competitive edge.

Publication Franchisee, RMC David P. L isi Corporate Editor Kim L isi Kim@dslisi.com

Like my buddy soon found out, once your home goes on the market, it’s fair game for scrutiny by the masses. Get comfortable with the idea that potential buyers will open closet doors, peak behind the shower curtain, poke around the garage and inspect the basement. Do yourself a huge favor and prepare your house for showing by de-cluttering, cleaning, painting, and repairing. Invest in making the house as move-in-ready as possible and you’ll already be miles ahead of the competition. Ask David P. Lisi , RMC your listing agent to walk through the house with you and explain what you can do to Real Estate Marketing Consultant make your house as marketable as possible. A good agent should be happy to make 315-865-5845 • David@dslisi.com suggestions and even help stage your house for maximum selling impact.

Did you know buyers could use a competitive edge as well? Think about it. There are thousands of properties on the market in varying conditions, locations and price ranges. Sorting through all the property information takes a lot of time and can quickly become overwhelming. Getting pre-qualified for a mortgage should be your first step and will help determine what price range you should be looking in. If you’re working with an agent, they should be scouring the market for you, directing you to appropriate potential properties and assisting you when it comes time to place an offer.

For the ultimate competitive edge, leaf through this issue of LifeandHomes for the latest listings, educational articles and information on professionals who can help with your buying or selling needs. Check out our Home Service Network for local businesses that provide services and supplies every homeowner needs. And remember to log on to www.LifeandHomes.com to see even more residential, commercial, investment, land/lot and multi-family listings. LifeandHomes is pleased to give you the competitive edge.

i David P. Lis

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

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

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

Regional/National Account Executive: Rob Thrasher 315-941-3452

rob.thrasher@gmail.com

Distribution 1.888.260.3343 x2

Media Partners WWTI NEWS CHANNEL 50 myabc.50.com

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Advertising Deadline September Issue August 20, 2010

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

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

Northern New York

www.LifeandHomes.com For franchise information call, 315-865-5845 Life and Homes is published monthly by Lisi Merchant Solutions, Inc. Every effort has been made to ensure that home listings, advertisements and information are free of errors or omissions.

The publisher does not guarantee the accuracy of the submitted information to Life and Homes Magazine and assumes no liability.

L i f e and H o m e s

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

Copyright © 2010 LifeandHomes, Inc.

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

Visit the

Great NY State Fair

12 days, dozens of big-name entertainers, hundreds of rides and attractions, thousands of animals and nearly one million people.

It’s all at the great NY State Fair, taking place August 26 - Sept 6th, 2010 in Syracuse, NY. Visit nysfair.org for all the exciting details and schedules.

The New Retirement: Keep on Working Baby Boomers are continuing to work in retirement. Despite the current economic environment, Boomers are working not just to make ends meet, but rather because they find work physically and mentally energizing.

Of those who are still working and have yet to retire, nearly 75 percent plan to do work in some capacity after they officially retire.

Many have noted they plan to do so to “ward off boredom and keep busy” or for the “self satisfaction and enjoyment.”

Top 10 States for

Retiree Tax Breaks

Forbes Magazine reports states are luring seniors over 65 by offering attractive tax breaks. Seven states - Alaska, Florida, Nevada, South Dakota, Texas, Washington and Wyoming - don’t tax personal income at all. New Hampshire and Tennessee tax interest and dividends but not other income.

Taking exemptions, sales tax, local economy and prospects for tax hikes into consideration, tax experts have tagged the following states as offering the best deals for residents over the age of 65.

1. Georgia 2. Pennsylvania 3. Mississippi 4. Illinois 5. Michigan

6. Kentucky 7. New York 8. South Carolina 9. Delaware 10. Louisiana (Forbes - June 2010)

‘Right to Rent’ Bill To Help Millions Remain Home

$120,483,800

Pac-Man Logo How much do you think the logo of a big-time brand like Google is worth? According to one recent estimate, the number might be around $120,483,800!

Known for their unique rotation of homepage logos, Google decided to spice things up this past May with a seriously entertaining playable Pac-Man logo. Exactly how engaging was this interactive logo? Conservative estimates say that the average time spent on the Google homepage went up by a full 36 seconds! That’s some quality logo exposure right there.

When factoring in other numbers like 503 million daily visitors, 33 million daily hours spent searching, and a modest assumed visitor income of $25/hour, people estimate Google’s Pac-Man logo destroyed 4,819,352 hours of productivity and cost about $120,483,800 in distracted employee salary. No wonder we’re in a recession!

Looking for fun and entertaining ways to put your logo in the spotlight? How about some branded desk puzzles? While not quite worth $120 million in exposure, we think it’s a good start.

For those who missed it, Google has made their Pac-Man logo a permanent feature at http:// www.google.com/pacman (blog.epromos.com/)

Free Delivery of LifeandHomes

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

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

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L i f e and H o m e s

Right to Rent would increase the bargaining power and security of homeowners by temporarily changing the rules on foreclosure and allowing homeowners to remain in their homes as renters for a substantial period or time. During this time, homeowners would pay the market rent for the home as determined by an independent assessment.

“Right to Rent gives the homeowner security in their home. They will be allowed to stay there for a substantial period of time, allowing their children to stay in their schools and families to prepare for and plan their future moves,” says Dean Baker, co-director of the Center for Economic and Policy Research.

“Right to Rent also would make foreclosure much less attractive to investors. This gives

Google’s

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“Several decades ago, nearly 80 percent of our residents would be fully retired,” said Blake. “These days many of our Del Webb communities have about 50 percent still engaged in the workforce. They’re either working part-time, starting new businesses or starting a new full-time career. They want

The full 2010 Del Webb Baby Boomer Survey findings can be found at www.dwboomersurvey.com.

investors more incentive to modify loans on their own, without the involvement of the government.” (Cepr.net)

August

With Social Security no longer a primary source of income for many Baby Boomers, there is a growing trend of delaying retirement.

Boomers turning 50 this year plan to retire a median of four years later than 50 year-olds in 1996, at age 67 versus 63 years-old.

Additionally, among the younger Boomers, 72 percent plan to work in some fashion during their retirement years. For older Boomers age 64—but not officially retired—74 percent plan to work. Interestingly, however, just under 40 percent of the current Boomer retirees surveyed, including Del Webb residents, said they are actually working now.

to stay connected. It’s an important part of well-being to stay connected and productive.”

Reinventing the

Back-to-School Season It might seem a little early to be thinking about the back-to-school season, but for consumers, there’s no time like the present to plan for the next.

And the 1,718 online consumers who responded to PriceGrabber.com’s Back to School Shopping Forecast survey have unique ideas on how they plan to prepare, giving retailers little time to prepare themselves.

First off, rather than saving and doing a major spree at the end of the summer, consumers plan to begin their back-to-school shopping early, distributing the cost of their purchase over a longer period of time. In fact, 26% of back-toschool shoppers planned to make purchases before July 2010, 31% plan to begin their shopping in July, and 38% plan to start in August.

So what does this mean in terms of money spent?

According to the survey, shoppers are still planning to spend as much as they did last year despite their varied spending strategy, which according to 49% of the respondents is due to the need to spread out the cost. A resounding 64% indicated they would not be saving money for back-toschool shopping at all, while a measly 19% said they started saving before April 2010 and 17% started between April and July 2010.

Northern New York

“We are not surprised to see this new, optimistic trend of consumer frugality extend to back-toschool shopping,” said Laura Conrad, president of PriceGrabber.com. “Further analysis of the data supports the idea that consumers are trying to absorb back-to-school spending in their monthly budgets by starting their shopping early to distribute their purchases.”

L i f e and H o m e s

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All is not lost for retailers, however. Of those consumers who plan on doing back-to-school shopping this year, 45% plan to spend as much as last year, 41% plan to spend less, and 14% plan to spend more -- not that bad, unless you consider the overstock issues many retailers might have if they planned for a typical backto-school rush at the end of the summer.

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

newsShorts

“The data is clear that consumers are still focused on spending the same amount or less on backto-school purchases this year, even with the expected lift in the recession,” said Barbary Brunner, chief marketing officer at PriceGrabber.com.

“However, instead of saving a little bit each month for back-to-school shopping and then making their purchases at once, we are seeing consumers engage in layaway-like behavior by purchasing a few items each month.”

The results of this survey are just one indication that it’s no longer enough to measure consumers’ behaviors based on whether or not they think the economy is doing well or failing. It’s also not so much a matter of whether they plan to spend more or less this year than last.

The newest factor in the equation is how they’re spending, and it appears they aren’t quite sure about any of it until the moment hits. Perhaps the real question is whether or not retail can adapt to the change.

(Source: Retail Merchandiser, 06/24/10)

Outhouse

shapes, from Christmas ornaments to birdhouses.

Preservationists who have old farms believe the outbuildings - including barns and summer kitchens - help to tell the story about how the property was originally used, Mansmann said.

“Placement was very important,” she said. The outhouse needed to be erected away from the spring so as not to contaminate the water supply, and downwind from the kitchen, she said.

Not everyone remembers them so fondly. “If you had to go in the night, you had to run through the yard or find a stream,” said Bill Miller, 72. “You’d sit there at night with the door open and see the skunks run by.” “I hated using them at night. Sitting out there alone was scary,” added Crisafulli, 84.

(ObserverReporter - Scott Beveridge)

Join Us Weekly

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Popularity On Rise Sandy Mansmann’s restored 1870s farmstead includes many original outbuildings but, there is one building missing: the outhouse. She has been on a difficult journey to find a replacement to move to her farm in PA’s Nottingham Township.

Oddly, outhouses have become a hot, trendy landscaping decoration - maybe because so few of them have survived and people are longing for nostalgia, Mansmann said. They also make great conversation pieces, she added. Retired antiques dealer Lorys Crisafulli said she knows a guy who wants an outhouse so bad he is willing to pay $500 for one. “All of a sudden, everybody wants one,” Crisafulli said.

The buildings are featured annually in outhouse calendars, and replicas come in all sizes and

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garLoCKrEaLTY Heuvelton

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

$119,900

$189,000

39 Mcewen Rd/Prvt

177 Mitchell Rd Secluded Blake Lake cottage features 2 bedrooms and full bath and is being sold completely furnished with all decor, dishes, cookware, etc. 145 feet of frontage and new dock.

JUST RedUCed. Hidden from the highway, this lot has 199 ft. of St. Lawrence River frontage, deep water and a level site to build your home or cottage on. The sunsets are spectacular any time of the year.

Ruth Varley Lic. Assoc. R.E. Broker rvarley@garlockrealty.com • 315-375-7860

Ruth Varley

Harrisville

Massena

Lic. Assoc. R.E. Broker rvarley@garlockrealty.com • 315-375-7860

$190,000

7257 Bull Rock Point Rd

$20,000

River Dr

affordable private island ownership is a boat ride away on Lake Bonaparte. Property features 3 bedroom island cottage and two bedroom baothouse. Close to shore with private parking and mainland dock.

This lot is part of a larger parcel and is located at the east end of the site. enjoy views of the river and the ships close to shore. The entire parcel is for sale.

These lots are larger than most in the area.

Ruth Varley

Lic. Assoc. R.E. Broker rvarley@garlockrealty.com • 315-375-7860

Ruth Varley

Redwood

Massena

Lic. Assoc. R.E. Broker rvarley@garlockrealty.com • 315-375-7860

$44,000

Number Six Rd

$25,000

River Dr

Pickers looking for a storage barn, look no further than the Town of alexandria. Building is 8,000 SF on 6.6+ acres.

This lot is part of a larger parcel and is located at the west end of the site. The entire parcel is for sale. There is St. Lawrence River access via a nearby NYPa access lot. This site is adjacent to the Wilson Hill Wildlife Management area.

Ruth Varley

Ruth Varley

Lic. Assoc. R.E. Broker rvarley@garlockrealty.com • 315-375-7860

Lic. Assoc. R.E. Broker rvarley@garlockrealty.com • 315-375-7860

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

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

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

12396 NYS Rte 12e, Chaumont, NY 13622

April Marvin

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

$279,900

Three Mile Bay

$500,000

Sacketts Harbor

Lic. R.E. Salesperson

$49,900

August ■

Un-imaginable dream piece of property here! one of the last larger lakefront parcels, we are offering for sale 57 acres of land with over 900` of waterfront and around 1200` of total shoreline which includes a little peninsula! The potential here is amazing!

Beautiful wood lot on Lake ontario build your dream cabin or house.100ft of Waterfront with dock great for fishing boating or swimming it is located in Sackets Harbor on very private road.

www.Life and Homes .com

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L i f e and H o m e s

3 Bed/2 Bath Split Level home on 5.14 acre lot with finished basement, eat-in kitchen, vinyl siding and attached garage. In-ground pool also!

newsShorts

Increase Your Home’s Value With Basement Waterproofing Your home and the things in it are probably the largest investment you’re ever going to make, and it only makes good sense to take care of them. One of the ways you can protect your basement and your belongings as well as increase the resale value of your home is by basement waterproofing.

won’t eliminate the problems, then you need to take a more serious approach. For example, you may need to have the floor dug up and an auxilliary pumping system built into it. Another costly-but-effective solution can be to have the ground around your home dug away so that the foundation can be waterproofed from the outside. By adding a tiling system you can drain water away from your foundation.

If you have any moisture or seepage down there, you know it’s doing damage to your foundation, your floor, anything you have in the basement, and the healthful environment of the whole house. Doing some waterproofing can make a world of difference in the life of your home.

A home with a soggy basement is nothing but more problems waiting to happen. You can end up with structural damage if a foundation wall

There’s been an over-abundance of rain this year, and many people are struggling with water problems in their basements. If you’re one of these people, the type of problem you have will dictate the kind of waterproofing you need to do.

Many water problems can be addressed by digging a pit in your basement floor and putting in a sump pump. A sump pump is generally used if the basement of a home lies below the flood plain or in areas that are prone to flooding.

Instead of allowing the water to run into your basement, a sump pump will pump it away from your home. For a lot of people, a sump pump takes care of water problems permanently.

L i f e and H o m e s

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Northern New York

Some basements have problems with water seeping in through pores in the walls. After all, concrete is a porous material. When this happens, you want to paint the entire wall surface with a waterproofing paint. This paint is formulated to plug the holes in the wall so that water cannot seep through them. The downside to waterproofing paint is that water can still get into your foundation walls from the outside where it can do a lot of damage.

Sometimes water problems are so great that there is no simple solution. If a sump pump and paint 6

By Christopher W Smith

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

weakens and caves in, your resale value will plummet, and as mold and mildew grow in the damp environment, the health of your family can deteriorate. Doing basement waterproofing to correct the problems right away can save you from a world of hurt later on.

Your basement has so much potential - and you can do it yourself. Visit betterbasementideas.com for more tips on basement bar ideas and gunite basement repair and learn how you can do more.

(Source:EZinearticles)

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Open Market Listing Service™ 40

Adams

S RE AC

LifeandHomes.com

$267,000

Brownville

$179,900

18466 Cty Rte 189

208 Brown Blvd

Riding Stables

3 bedrooms / 1.5 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41750

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

June E. O'Brien • 315-788-4444

Judy A. Condino, GRI • 315-405-8127

Coldwell Banker-Rimada Realty Lic. R.E Salesperson • june.obrien@coldwellbanker.com

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

Alexandria Bay

$750,000

Condino Realty NY, LLC Lic. R. E. Broker • jcondino@twcny.rr.com

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

Cape Vincent

71 Anthony Street

$110,000 27738 Dablon Point Road

Prime Development Property

0.81 acres

For more details visit www.LifeandHomes.com Type in Quick Search #33015

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

Deborah Schaefer • 315-836-3578

Allen Walker • 315-771-8189

Front Porch Realty

LIc. R.E. Broker • debbie@thousandislandhomes.com

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

Alexandria Bay

Bowes Realty

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

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

$474,900 19597 Collins Landing -Waterfront

Cape Vincent

5 bedrooms / 3 full baths/ 2 half baths

3 bedrooms / 1.5 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41642

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

Chuck Burlingame • 315-771-3421

Allen Walker • 315-771-8189

Bowes Realty

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

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

Alexandria Bay

$89,000

$125,900

273 E James St

Bowes Realty

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

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

Cape Vincent

$182,500

90 Walton Street

31385 County Rte #4

3 bedrooms / 2.5 baths

4 bedrooms / 2.5 baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41475

Betty Bork • 315-404-8242

James Wiley • 315-778-1360

Century 21 Millennium Realty Licensed Associate Broker • bbork@nnymls.com

Agent • jameslwiley@tds.net

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

Alexandria Bay

Bowes Realty

$83,900

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

Cape Vincent

$725,000

14 Anthony Street

2332 Humphrey Road

2 bedrooms / 1.0 baths

4 bedrooms / 1.5 baths

For more details visit www.LifeandHomes.com Type in Quick Search #33530

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

Deborah Schaefer • 315-836-3578

James Wiley • 315-778-1360

Front Porch Realty

LIc. R.E. Broker • debbie@thousandislandhomes.com

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

James Wiley

June O'Brien

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

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

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

Lic. R.E. Salesperson Front Porch Realty

Perhaps the most important quality in a real estate salesperson is their ability to listen to and understand what their clients are looking for. There is no point in taking a client through homes they can’t afford, areas that are out of their preferred driving distances, or away from schools they want to be a part of. A salesperson is very much a matchmaker. I will listen to what you are looking for and then make the match to the home of your dreams.misty@mistyfleur.com Phone: 315-777-6543 Web: www.mistyfleur.com www.Life and Homes .com

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L i f e and H o m e s

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

Misty Atwood

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Licensed R.E. Assoc. Broker Bowes Realty

Agent • jameslwiley@tds.net

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

August

Lic. R.E. Salesperson Coldwell Banker Rimada Realty

Bowes Realty

LifeandHomes.com Cape Vincent

Open Market Listing Service™ Carthage

$230,000

346 James Street

861 State Street

4 bedrooms / 2.0 baths

3 bedrooms / 1.5 Baths

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

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

James Wiley • 315-778-1360

George Briggs • 315-782-8498

Bowes Realty

Elliott Realty, Inc.

Agent • jameslwiley@tds.net

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

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

Cape Vincent

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

Carthage

$145,000

34116 NYS Rte 3

4 bedrooms / 2.5 baths

4 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41472

For more details visit www.LifeandHomes.com Type in Quick Search #41718

James Wiley • 315-778-1360

Diana Ramirez • 315-222-4962

RE/MAX Empire Realty

Agent • jameslwiley@tds.net

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

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

Cape Vincent

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

Chaumont

$89,000

29411 County Rt 179

3 bedrooms / 1.0 baths

3 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41717

For more details visit www.LifeandHomes.com Type in Quick Search #41656

Diana Ramirez • 315-222-4962

Amanda Miller • 315-649-3434

Lake Ontario Realty

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

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

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

Cape Vincent

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

Constableville

$389,000

3708 Sweeney Road

5 bedrooms / 3.0 baths

2 bedrooms / 1.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41606

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

Melanie Curley • 315-778-2458

Barbara Dunn • 315-337-1677

Barbara Dunn Rlty

Lic. R.E Broker/Owner • melc@gisco.net

Broker/Owner • dunrealt@aol.com

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

Carthage

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

Constableville

21378 County Route 47

$166,600

$127,000 3706 Sweeney Road / 15 Acres

3 bedrooms / 2.0 baths

3 bedrooms / 1.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41758

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

June E. O'Brien • 315-788-4444

Barbara Dunn • 315-337-1677

Coldwell Banker-Rimada Realty

Barbara Dunn Rlty

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

Broker/Owner • dunrealt@aol.com

Northern New York

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

clayton

Ledgewood Lane - 4.09 Acre Lot for Sale

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

$246,000

Exceptional 4.09 acre wooded water front building lot on main channel of the St.Lawrence River,over looking grindstone,Hickory,and Wolfe Islands.117 feet of shore line,suitable for large or small boats.Watch the ships go by,from your own private spot. MLS # S236726

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$99,900

28043 Stony Point Road

Thousand Islands Realty, LLC

L i f e and H o m e s

$219,900

436 Centre

RE/MAX Empire Realty

For more information call Allen Walker at 315-771-8189 8

$175,800

352 S Real Street

Bowes Realty

S RE C A 10

$153,900

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

Featured Property

Watertown

D CE DU E R

$174,900

942 Salina St

G tIn

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5 Bedrooms / 1.5 Baths Welcoming semi-wrap around porch to enjoy the summer months. Beautiful 5 bedroom Victorian home.Fantastic U-shaped kitchen with lots of cabinets and counter space. Large open living room with original gleaming hardwood floors, built-ins and pillars.

Go to nnymls.com and Type in MLS#S234584

S RE

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5

Watertown

$169,000

919 Academy St

InC

om EP ot En tIA L

m RU

to SE

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Felts Mills 3 Bedrooms / 1 Bath

Wonderful 3 bedroom home close to Ft. drum, shopping, and schools. Large living room and dining room. New paint throughout, new boiler system and security system installed. Welcoming front porch. detached 2 car garage.

Go to nnymls.com and Type in MLS#S238183

$179,000

4 Bedrooms / 2 Baths **1 Year Free Home Warranty Included** Great 4 bedroom 2 full bath home approximately 20 min. to Ft. drum Beautiful kitchen was skillfully created by local amish. Lots of cabinets and counter space. Newer appliances included as well.

Go to nnymls.com and Type in MLS#S238760

$119,900

30139 Burnash Ave

3 Bedrooms / 1.5 Baths

28549 Elm St

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

Go to nnymls.com and Type in MLS#S232230

D Ft.

$154,900 25083 County Route 197

Redwood

G tIn

LIS W

nE

4 Bedrooms / 2 Baths

Great Bend

W

nE

G tIn LIS

Great ranch knocking on Ft. drum`s back door.

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

Go to nnymls.com and Type in MLS#S229758

Lisa Watson Lic RE Salesperson

Un

DE RC on tR AC t

Watertown

$119,900

23958 NYS Route 342 3 Bedrooms / 1 Bath Great 3 Bedroom Ranch Home! Updated kitchen offers lots of room for an eat in kitchen and lots of cabinet and counter space. Newer appliances are included. Kitchen leads into a great size dining room with original hard wood floors.

Go to nnymls.com and Type in MLS#S237872

Rimada Realty

Coldwell Banker Military Markets Specialist

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

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

Thousand Island Area Property $98,500 • County Route 1 • Alexandria Bay

Privacy for Nature Lovers! Over 350’ of waterfront with a dock on Cranberry Creek with access to the St. Lawrence River. Great spot for fisherman or kayakers with over six acres! Year around manufactured home in nice condition with plenty of room to build a garage or boat storage building. This is a great property at a great price and includes a billboard on Route 12 that brings $2000/year income.

$750,000 • Anthony Street • Alexandria Bay

$595,000 • Rock Baie Road • Wellesley Island

www.Life and Homes .com

9

L i f e and H o m e s

Looking for the perfect family compound? The great get-away has much to offer! The main house is year around and has 2 bedrooms and features an open floor plan. The kitchen-living area is a great room that has a tongue and groove cedar ceiling with recessed lighting and skylights. There is plenty of room for guests in the 4 bedroom, 1 bath guest house, and a 1 bedroom apartment with a bath over the heated garage. On the large deck overlooking the Lake of the Isles is the“lakehouse,” an enclosed three season space with a gas fireplace and air conditioning. All this on 114’ of waterfront on the Lake of the Isles with dockage too!

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42781 NYS Route 12 Alexandria Bay, NY 13607 (315) 836-3578 Office (315) 836-3539 Fax (315) 778-9280 Cell DEBBIE@THOUSANDISLANDHOMES.COM WWW.THOUSANDISLANDHOMES.COM

August

Deborah Schaefer, GRI, CBR LIC. R.E. BROKER/OWNER

Prime development property! 240’ St. Lawrence River waterfront with 440’ of dockage. Two acre property with a 24 unit seasonal motel with good repeat business located directly across from fabulous Boldt Castle. There are an additional 3 acres with more waterfront available.

What a terrific spot for condos or townhouses, or even a private estate or several single family homes. All utilities are there including public sewer and water. Few parcels of this size and location come available on the river. Listing agent is part owner.

Featured Home

Alexandria Bay 19597 Collins Landing

$474,900

Price reduced! Fantastically built, one owner mainland year-round home on shipping channel. Protected deep water dockage with nice swimming area. Both the dock and wraparound deck on the home are redwood & cedar. Custom kitchen cabinets & Corian countertops. Built in oven and triple stainless steel sink. Large great room, sliders to deck and river views. All large bedrooms with lighted closets & tons of storage space. Marble windowsills, ceiling fans in each room. Walkout basement has area where you can store small boat, jet ski and fish cleaning sink. 4 zone heat with electric backup in each room. Great natural light and views of the river in each room.

Charles Burlingame Lic. R. E. Salesperson

Cell: 315-771-3421 Office: 315-686-3315

BoWES rEaLTY, LLC

RIMADA REALTY

For more information go to www.nnymls.com and type in MLS # S226560 “No one knows the lake country like US!”

Free Market Analysis!

Amanda J. Miller Licensed R.E. Broker

315.778.1191

$11,500

Clayton Very affordable nearly level 5+ acre lots on Hart Road in Clayton. Mostly cleared & ready for your dream home!

Call today! Fabulous price! Some restrictions, please call for details.Call amanda Lic. R. e. Broker @ 315-778-1191 MLS#S224594

“The Name You Know & Trust in Real estate”

$245,000

$169,000

Northern New York

Three Mile Bay Historic and tastefully renovated 6 bed/3Bth home in the heart of lake country! over 3400SF of living space, many original features, cupola, landscaped gardens, fenced yard, pub water and a carriage house! a must see!

Call Gail Miller, Lic. R.e Salesperson 315-767-3084 $245,000 MLS #S237690

$129,900

Country Ranch La Fargeville/Clayton area 3 bed/1.5 bath home on 1.85 acres. open floor plan w/galley kitchen, hardwood floors, lg patio, storage shed, beautifully landscaped w/flower gardens. Many updates include new roof, bathroom, pergo floors & much more!

Call amanda Lic. R. e. Broker @ 315-778-1191 MLS #S232875

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L i f e and H o m e s

Historic 6 Bedroom Victorian

5 acre Country Building Lots

Charming Montonna Shores Cottage!

Three Mile Bay 2Bed/2bath cozy cottage recently updated w/hickory cabinets, knotty pine, new carpet, siding,roof, decks,shed and more! Limestone seawall, gorgeous area and rare 80X280 lot w/ no road between!

Call amanda Lic. R. e. Broker @ 315-778-1191 MLS# S238269

$189,000

Charming Victorian Sackets Harbor - Charming Victorian village home just a few blocks from downtown Sackets! 1700 SF 3bed/1bath home that has been tastefully renovated, boasting original hardwood floors, gorgeous bath w/spa tub, custom tile spacious country kitchen w/walk-in pantry, lg. mud/laundry rm, heated 2 story garage. Call amanda Lic. R. e. Broker @ 315-778-1191 MLS#S230191

(P) 315-649-3434 (F) 315-649-3436 12396 NYS Rte. 12E, Chaumont, NY 13622 • WWW.LAKEONTARIOREALTY.COM 10

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

August â–

www.Life and Homes .com

11

L i f e and H o m e s

$179,900 (315) 405-8127 judy A. condino, Gri

Licensed Real Estate Broker 1035 B Coffeen Street Watertown, NY 13601 www.condinorealty.com Cell: 315-408-5968 jcondino@twcny.rr.com

$169,900 • Mls #s238353

$169,900 • Mls #s223108

$24,900 • Mls #s237448

$9,900 • Mls #s238489

522,d-1 weldon drive, watertown

208 Brown Blvd, Brownville

county route 59, dexter

28/29 starbuck Avenue, watertown

Two bedroom, two bath townhome, Living room has gas Fireplace and lots of windows and skylight. First floor also consists of dining area, additional room. Full bath and laundry room are also on first floor.Second floor has master suite with full bath and nice size closet, 2nd bedroom and large loft area. Also unique storage area that can be accessed from garage.

Two stall attached garage has many built ins.

Also central air. Listed below tax assessment.

Call Don Rickett, Lic. R.E. Agent - 775-6622.

WOW! If you saw it before, take another look! This large 3 bedroom home located next to the Historical Brown Mansion is now completed. Downstairs, it has new flooring in the entryway, refinished hardwood floors and new carpet in the hall and dining room.

Also has new closet and wonderful kitchen pantry. All windows have new casings and molding. If you need more than 3 bedrooms, the basement has the potential for 2 or 3 more.

Call Judy Condino, Lic. R.E. Broker 408-5968.

Looking for a beautiful building site for your new home? This could be the perfect spot. Only 15 minutes from Watertown and Fort Drum. Lot consists of 6.2 acres with public water. Electric lines are at the road. If you love wildlife and beautiful sunsets, this is the place for you. All it needs is YOU!!!!

Nice,flat building lot located in the city of Watertown across from the New York Air Brake.

• 104’ x 118’ • Listed Below Assessment

Call Judy Condino, Lic. R.E. Broker 408-5968.

Featured Home

watertown 130 Highland Ave

Call Judy Condino, Lic. R.E. Broker 408-5968.

$139,500

Seller Will Pay Buyer’s Closing Costs!!! Completely Renovated From Top to Bottom, New Roof, New Windows, New Plumbing, New Electrical, New Carpet, New vinyl Flooring, New Kitchen with All Stainless Steel Appliances, Northern New York

New Bathrooms, New Light Fixtures Throughout, New Blinds.

Home Warranty Included & Home Inspection Has Been Done & is on Counter. Includes Lot Next Door 50x181. Don’t Miss

Licensed R.E. Salesperson

RIMADA REALTY

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L i f e and H o m e s

sandra d. delong

Out! Make Your Appointment Today!

1063-C Arsenal Street Watertown, NY 136013313

Cell: 315-783-2007 Office: 315-788-4444 Email: Sandydelong@hotmail.com

For more information go to www.nnymls.com and type in MLS # S229926 12

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

Open Market Listing Service™ Dexter

ES CR A 10

LifeandHomes.com Lyme

$298,300

$500,000

18700 Evans Road

NYS Rt 12E

5 bedrooms / 2.5 baths

Lakefront w/ 57 acres

For more details visit www.LifeandHomes.com Type in Quick Search #41757

For more details visit www.LifeandHomes.com Type in Quick Search #41564

June E. O'Brien • 315-788-4444

April Marvin • 315-778-8042

Coldwell Banker-Rimada Realty

Lake Ontario Realty

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

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

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

Dexter

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

Morristown

$189,000

$174,000

15276 NYS Rt 12E

461 A River Road East

5 bedrooms / 2.0 baths

4 bedrooms / 1.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41657

For more details visit www.LifeandHomes.com Type in Quick Search #41644

Amanda Miller • 315-649-3434

Carol Adler • 315-778-4457

Lake Ontario Realty

Century 21 Millennium Realty

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

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

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

Gouverneur

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

Morristown

181 Grove Street

$86,700

$195,000 26 Dockside Drive - Waterfront Condo

3 bedrooms / 1.0 baths

2 bedrooms / 1.0 baths

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

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

Betty Bork • 315-404-8242

Debra Roberts • 315-796-2830

Century 21 Millennium Realty

Coldwell Prime Properties

Licensed Associate Broker • bbork@nnymls.com

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

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

Gouverneur

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

Catskill

120 Beckwith

$74,500

$350,000 Greene County Gentlemans Farm

3 bedrooms / 1.0 baths

4 bedrooms / 2.0 baths

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

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

Betty Bork • 315-404-8242

David Posson • 607-316-3758

Century 21 Millennium Realty

Posson Realty

Licensed Associate Broker • bbork@nnymls.com

Broker/Owner • possonrealty@frontiernet.net

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

Lisbon

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

Norwich

$279,000

47 Sparrowhawk

$350,000 Chenango County Dairy Farm

2 bedrooms / 1.5 baths

4 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41643

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

Carol Adler • 315-778-4457

David Posson • 607-316-3758

Century 21 Millennium Realty

Posson Realty

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

Broker/Owner • possonrealty@frontiernet.net

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

Jenn's Property Management

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

Attention Homeowners August

Year Round Management Services

■

I Can Handle it All, From Move In to Move Out Credit Checks, Tenant Issues, Emergencies 24 Hour Maintenance Available 10 Years Experience Dependable

315-649-2709 • jennpropmgmt@gmail.com

www.Life and Homes .com

13

L i f e and H o m e s

Contact Jenn

LifeandHomes.com

Open Market Listing Service™

Norwich

$450,000 Chenango Cty Equine Facility

Syracuse

4 bedrooms / 2.0 baths

Post & Beam

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

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

David Posson • 607-316-3758

Al Roy • 315-458-4256

Custom Built Homes

Posson Realty

Custom Home Masterpieces, Inc.

Broker/Owner • possonrealty@frontiernet.net

0 • alroy@twcny.rr.com

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

Pamelia

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

Theresa

$279,000

31529 Boat Launch Road

3 bedrooms / 2.0 baths

Waterfront Lot

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

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

April Marvin • 315-778-8042

Katharine Dickson • 315-783-2104

Lake Ontario Realty

Front Porch Realty

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

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

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

Rutland

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

Theresa

$119,900

28863 Crystal Lake Rd

3 bedrooms / 1.0 baths

21 Acres

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

For more details visit www.LifeandHomes.com Type in Quick Search #41460

Lisa Watson • 315-286-9682

Melanie Curley • 315-778-2458

Thousand Islands Realty, LLC

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

Lic. R.E Broker/Owner • melc@gisco.net

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

Sackets Harbor

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

ty oper

$188,000

316 Dodge Avenue

r eP

om

Inc

3 bedrooms / 1.0 baths

$125,000

642 & 644 Bronson St 7 bedrooms / 3.0 baths For more details visit www.LifeandHomes.com Type in Quick Search #33784

Kathy Cook • 315-629-5770

Katharine Dickson • 315-783-2104

Front Porch Realty

Lic. R.E Agent • maycie5770@aol.com

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

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

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

Sackets Harbor

$189,000 112 East Washington St.

Watertown

3 bedrooms / 1.0 baths

3 bedrooms / 2.0 baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41769

Amanda Miller • 315-649-3434

Lisa Watson • 315-286-9682

Coldwell Banker-Rimada Realty

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

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

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

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

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

Lisa Watson

Licensed Real Estate Salesperson Rimada Realty

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hardwood flooring • stair parts • molding

We Stock

Rimada Realty

1063 C Arsenal Street Watertown, NY 13601 (P) 315-788-4444 (F) 315-788-5235 Phone: 315-286-9682 Email: MLBJS5@hotmail.com We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

$208,999

13115 County Rt 156

Lake Ontario Realty

Northern New York

Watertown

For more details visit www.LifeandHomes.com Type in Quick Search #41749

Century 21 Millennium Realty

L i f e and H o m e s

$825,000

30139 Burnash Ave

Coldwell Banker-Rimada Realty

14

$49,000

25030 Co. Rte. 53

KILN DRIED cherry, walnut, maple, butternut, ash, oak, exotics and woodworking supplies Visit our website anytime www.lakeshorehardwoods.com

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

If you are thinking of listing your home or want to buy please feel free to call us at 315-493-2134, we are full time Realtors and available 7 days a week.

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

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

MLS#S235520

MLS#S233392

MLS#238399

MILLENNIUM REALTY Alexandria Bay

$89,000

Wow! Motivated seller, just reduced price! Now being sold way under assessed value. Wonderful village home for sale being sold as is. 3 Bedrooms, library, living room,laundry room, 2.5 baths, lots of closet space, 2 stall garage with extra rooms above.

Watertown

$93,000

Very nice 2 Unit for sale with large yard. Being sold as is. Has a horse barn in back for lots of storage. This is a nice income property, live in one and let the other pay your mortgage. Call for your appointment today!

Carthage

Wow! What a wonderful home on Black River.

You have 455` of waterfront. This home features 3 bedrooms, an extra room that could be a nursery or an office. Laundry room on main floor. For the very hot days, an above ground pool.

MLS#S229213

MLS#S235643

A name that everyone has come to trust!

$149,000

Betty Bork Associate Broker 404-8242 cell

MLS#S232963

bbork@nnymls.com

For more information on any of these homes, visit

www.c21nny.com Watertown

$120,500

This is a wonderful investment opportunity.

Being sold as is. Live in one and rent the other 2 and let them pay the mortgage. Nice sized yard.

Call for your appointment today!

Gouverneur

$74,500

Beautiful Cape Cod that has many features.The kitchen has many cupboards and is eat-in.Very nice dining room, larger living room. Master bedroom on main floor.Two bedrooms upstairs. Bathroom downstairs.

Partial cellar is under garage.Very large back yard.

Gouverneur

and type in the MLS#

$86,700

Newly remodeled home for sale. Wonderful layout. 3 bedrooms, 1 full bath, full basement with work area, storage sheds in backyard.

Nice sized yard. Call for your appointment today!

Watertown

$36,500

Three Mile Bay

$18,000

MLS S234153 MLS S238356

www.c21nny • 1256 Arsenal Street Watertown, NY 13601

garLoCKrEaLTY Alexandria Bay

$119,000

44383 Reynolds Rd.

Neat clean well built ranch style home, freshly painted, new carpet throughout with efficient monitor heat. Close to alex Bay and convenient to I81 & Ft. drum. Located on a level lot in a quiet neighborhood.

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

$525,000

44780 Co. Rt. 100A

Sit on your deck & watch the ships go by and the 1000 Islands Bridge light up at night. This prime riverfront location features 3 BR/1 Ba cottage, 214` of WF, 1.8 acres w/ mature trees & much privacy, deep water dockage and much more. Property is large enough to be subdivided.

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

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

Alexandria Bay

Wellesley Island

$124,900

55 High St

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

Hammond

$735,000

560 Indian Point Road Gorgeous 3 BR/2 Ba river home nestled on 6.2 acre private parcel w/mature trees and 2,320 ft. of waterfront. open floor plan, custom kitchen, granite countertops, hardwood floors, gas fireplace, wraparound decks & screened-in porch. Bunkhouse for guests. Covered boat slip.

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

www.Life and Homes .com

15

L i f e and H o m e s

Prime corner commercial building lot right in the heart of alex Bay. Great visibility from main artery at Rt. 12 caution light leading to the village. Public utilities available.

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

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$119,000

107 Church St

Well maintained year-round river home in the 1000 Islands. This property features open floor plan, cathedral ceiling, stone fireplace, hardwood floors and the most wonderful 3-season room.

August

Nicely remodeled home in village of alex Bay. 3 BR home w/mother-in-law apartment. open kitchen/ living area w/fireplace, glassed porch, roomy second floor. Metered attached apartment currently rented for $400 a month. Property includes 2 storage buildings.

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

Alexandria Bay

$349,000

18576 East View Dr.

LifeandHomes.com Watertown

Open Market Listing Service™ Watertown

$169,000

170 Bowers Ave. w

4 bedrooms / 2.0 baths

4 bedrooms / 1.5 baths

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

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

Lisa Watson • 315-286-9682

Nancy Rome • 315-493-2134

Coldwell Banker-Rimada Realty

Rome RSA Realty L.L.C.

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

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

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

Watertown

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

Wellesley Island

$149,900

18723 Rock Baie Road

5 bedrooms / 1.5 baths

8 bedrooms

For more details visit www.LifeandHomes.com Type in Quick Search #41684

For more details visit www.LifeandHomes.com Type in Quick Search #33461

Lisa Watson • 315-286-9682

Deborah Schaefer • 315-836-3578

Front Porch Realty

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

LIc. R.E. Broker • debbie@thousandislandhomes.com

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

Watertown

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

West Carthage

$249,900

$149,800

16300 Us Rte 11

41 Champion

5 bedrooms / 2.0 baths

4 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41685

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

Lisa Watson • 315-286-9682

Nancy Rome • 315-493-2134

Coldwell Banker-Rimada Realty

Rome RSA Realty L.L.C.

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

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

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

Watertown

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

Wilna

$150,000

$69,000

724 Gilbert

23711 Staie Rd

3 bedrooms / 1.0 baths

1 bedrooms / 1.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41712

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

Diana Ramirez • 315-222-4962

Nancy Rome • 315-493-2134

RE/MAX Empire Realty

Rome RSA Realty L.L.C.

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

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

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

Watertown

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

Copenhagen

$139,900

$149,900

620 Lillian Street

10014 NYS RTE 12

4 bedrooms / 3.0 baths

4 bedrooms/2 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41754

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

Nancy Rome • 315-493-2134

Nancy Rome • 315-493-2134

Rome RSA Realty L.L.C.

Rome R.S.A. Realty L.L.C.

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

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

Northern New York

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

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

Several log home plans are available, with many different log styles to choose from.

We offer 3 species of wood and optional roof systems. The possibilities are endless...

■

L i f e and H o m e s

$595,000

942 Salina Street

Coldwell Banker-Rimada Realty

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

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

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

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

Barbara Dunn Realty

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

START LIVING YOUR DREAM TODAY!

16

$84,900

919 Academy Street

215 N. James Street Rome 315-337-1677 • dunnrealt@aol.com

FinancialPlanning “Bank” on Whole Life for Your Financial Needs – Right Now Gary Sunada

In our volatile financial world, it seems like there are no safe havens. The stock market continues to fluctuate. Plummeting real estate values in certain markets have yet to recover. Add to this, the difficulty with getting loans in a credit-strapped lending environment. So, where’s the worried consumer to go for financial stability? Consider permanent, cash value whole life insurance.

Flexibility and Guarantees If you know anything about life insurance, it’s probably the fact that it pays a guaranteed death benefit to your heirs that is generally free of federal income taxes.1 And, that’s an incredibly important function and most likely why you are considering life insurance. But cash value whole life insurance also offers substantial benefits available to you while you’re living.

One living benefit of whole life is the easy access it provides to your cash value, generally federal income-tax-free, through policy loans. Need money to pay for an emergency home repair, reduce a credit card debt or cover a shortfall in college tuition? If you want to borrow, you can. Unlike a conventional bank loan, there’s no lengthy approval process, and you can’t be turned down. There are also no credit checks or penalties for repaying money too quickly. In fact, there’s no payment schedule on the loan at all.2 The longer you own a whole life insurance policy, the more cash value it will accumulate. As long as you pay your premiums — which are guaranteed never to increase — you’ll have permanent protection and your cash value will grow on a tax-deferred basis. In addition, your policy is eligible for non-guaranteed, income-tax-free dividends which can help grow your cash value more quickly.

Upgrading Term to Permanent Cash Value Life If you have term life insurance, which only pays a death benefit for a fixed period of time, it is easy to convert your policy to cash value whole life. Your New York Life insurance agent can show you how. Then you, too, can take advantage of the many benefits and stability that whole life insurance can bring to you and your loved ones.

This educational third-party article is being provided as a courtesy by Gary Sunada, Financial Services Professional, New York Life Insurance Company. For additional information on the information or topic(s) discussed, please contact him at 315.738.2612 1All guarantees are based on the claims paying ability of the issuer.

2If you do not repay a loan, the cash value and death benefit of your policy will be reduced. Loans can cause a policy to lapse and may have tax consequences.

What to Do with Rollover Funds

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You can't watch television or read a newspaper without being reminded of the uncertain times we're in.

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Don't Rely Soley on 'Uncle Sam's' Help During Retirement Read More

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At some point, many people with retirement or employer-sponsored investment accounts will find themselves faced with the decision of what to do with rollover funds.

Home service network

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Cape Vincent

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$230,000

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

Cape Vincent

$219,500

346 James Street

32322 State Route 12E

4 Bedrooms / 2 Baths

2 Bedrooms / 1 Bath

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

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

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

Cape Vincent

Cape Vincent

$725,000

$159,900

2332 Humphrey Road

352 S Real Street

4 Bedrooms / 1.5 Baths

4 Bedrooms / 2.5 Baths

This property is located on the Lakeside of Mud Bay. The residence consists of an 1860 well maintained farm style home with a 30 X 35 boat house on its 709’ of waterfront.

See: jameslwiley-waterfrontproperty.webs.com

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

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

Cape Vincent

Cape Vincent

$182,500

$199,900

31385 County Rte #4

221 Esselstyne Street

4 Bedrooms / 2.5 Baths

3 Bedrooms / 3 Baths

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

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

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

See: capevincenthome.com

Cape Vincent

Cape Vincent

$149,900

$149,500

1074 East Broadway

28341 Stony Point Road

2 Bedrooms / 1 Bath

3 Bedrooms / 1 Bath

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

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

Fisherman and hunters paradise.

Point Peninsula

Cape Vincent

$119,000

$129,500

6921 Failing Shores

2672 Ponds Shores

2 Bedrooms / 1 Bath

2 Bedrooms / 1 Baths

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

Very neat, well maintained 14 X 60 mobile home in an area of well kept seasonal homes. Cement waterfront patio/deck and boat launch ramp. Pond Shores is across from Fox and Grenadier Islands. It is on a seasonal road and has a detached garage.

Point Peninsula

Lyme

$229,500

$15,000

6383 Failing Shores

CO. Rt. 57

2 Bedrooms / 1 Bath

Lot Size 200 x 220

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

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

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