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Life and

Fresh Perspective

Homes

You’ve probably heard the saying; “What you focus on becomes dominant.”

That saying crossed my mind as I recently scanned real estate headlines.

There were more than the usual amount of discouraging headlines but tucked in between the negatives was some encouraging news; “Local Housing Sales Stronger Than National Sales”, and “4 Weeks of Rising Mortgage Activity”. It sure was nice to see some good news and it made me wonder why more positive reporting isn’t being done.

jefferson-lewis co. NY, Edition Published By LISI MERCHANT SOLUTIONS, INC. Publication Franchisee, RMC David P. L isi

Why not write about the agent who listed and sold a home in just three days?

How about asking her to share some of her tips on pricing a house to sell, and the importance of knowing exactly what clients are looking for. Or, how about an article on that young couple down the street who settled for a small apartment for three years so they could save money for a down payment on a house? We could include some wonderful photos of the new home they bought thanks to their foresight and incredibly low mortgage rates. Let’s not forget about the gutsy investor who determined to take back his faltering city David P. Lisi , RMC block. After negotiating some amazing deals on neighboring properties he’s Real Estate Marketing Consultant revitalizing the block house-by-house and generating respectable income.

They are all true-life stories that bring much needed hope and encouragement 315-865-5845 • David@dslisi.com in trying times. It does a soul good to focus on the positive, don’t you think?

Growing a real estate related business, especially during economically challenging times, has brought us face-to-face with some of the most resilient, remarkable people you’d ever hope to meet. They’re the ones doing the real work of keeping our area moving forward - sometimes simply by shear gut and determination. They’re the face of every Realtor, Investor, For-Sale-By-Owner, Contractor, Manufactured Home Builder, Developer, and community member who continues to invest in the local community. At LifeandHomes and online at LifeandHomes.com, we’re committed to bringing the best of the best together to help with your every real estate need.

As you look through this issue and see the wide range of for-sale properties and professional services, I hope you’ll gain a fresh appreciation for this great place we call home and for the gifted people who make it that way.

It’s time to focus on the positives.

i David P. Lis

Corporate Editor Kim L isi Kim@dslisi.com

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

CYBERVILLAGE

www.CyberVillage.com

Advertising Deadline October Issue September 24, 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 .

Clock Ticking for

Garage Door Tax Credit

The tax credit eligibility for qualified garage doors will expire on Dec. 31. Now is your last chance to save 30 percent off the price of an energy-saving curb-appeal-inspiring garage door, courtesy of the U.S. government.

The savings come from a federal income tax credit, which is more valuable than an equivalent tax deduction, because a tax credit reduces your tax dollar-for-dollar, while a deduction only decreases the amount of income that is taxed. Through the end of this year, the U.S. government is offering up to a $1,500 tax credit for homeowners who buy and install qualifying insulated garage doors. Full details can be found at GarageWowNow.com, a non-commercial home improvement resource dedicated to garage doors and garage door openers.

Getting your share of the tax credit A taxpayer may claim a maximum of 30 percent of qualifying home improvement products, and a maximum of $1,500 for qualifying purchases in 2009 and 2010. For example, if you replace two garage doors with two new qualifying insulated doors that cost $1,000 each, you may claim a tax credit of $300 per door, or a total of $600, provided you have not exceeded the $1,500 total over the two years of the tax credit period. (ARA)

Easy Rejuvenation For Summer Weary Grass

3. In early fall, feeding is a simple step, which can be repeated about a month to six weeks later.

Feeding grass with a lawn food like Organic Choice Lawn Food will yield great results for minimum effort.

4. Minimum balance fees Your bank may require a minimum balance in your account – charging a fee for slipping below.

Side-step this by carefully matching your situation with the account requirements. For instance, look for an account that waives fees for directly depositing your paycheck, or find an account with no minimum balance requirement.

4. Leaves are your lawn’s best friend. Use your lawnmower to “mulch” leaves into dime-sized pieces, then top with winter lawn food.

5. Fine print fees Are you charged a fee for monthly account maintenance? Does that monthly paper bill cost extra? It pays to sweat the small stuff and fully understand what your bank is charging you. (ARA)

5. Keep your mower on the highest setting to encourage root growth deep into the soil to lock out weeds. Keep mowing to summer height until grass stops growing. (ARA)

Home Prices

Bank Fees You Should

Never Pay

If you’re tired of getting nickeled and dimed by your bank, it’s time to switch. “Stopping useless fees forever is a smart way to make your money go further,” says J.J. Montanaro, a certified financial planner with USAA. If you’re paying these five fees, it’s time to look for a bank that doesn’t charge them.

1. Overdraft fees New legislation requires financial institutions to notify customers of their options on overdraft fees. Some banks – like USAA – have eliminated overdraft fees on ATM and debit transactions entirely.

2. ATM fees ATM fees may seem nominal, but they can add up quickly. Take advantage of fee-free, cash-back options offered at grocery or convenience stores when making a purchase, or switch to a bank that reimburses you those fees.

Predicted to Inflate

The housing market continues its effort for recovery under the pressure of the sagging economy.

Lawrence Yun, chief economist for the National Association of Realtors reports that home prices will go up by 4 percent in 2010, as home resales will continue on the upswing as the the market tries to recover. He foresees that home resales will reach 5.7 million next year, a rise from a projected 5 million in 2009.

According to the AP, “He sees unemployment peaking at 10.5 percent before dropping down to around 9 percent this time next year.” Mortgage rates, in the interim, will average approximately 5.7 percent. (CaymanMama.com)

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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

1. Bare and thin spots provide an opportunity for weeds to get a foot-hold on your lawn. To fill in bare patches in a smaller area, apply

2. Be sure to feed your grass. Use compost, an organic or conventional lawn food – avoid all-purpose fertilizers labeled for gardening on your grass. Always use fertilizers labeled for grass.

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With these simple tips, you can ensure an inviting gathering space for next year.

Scotts EZ Seed, an all-in-one seeding mix, fertilizer and mulch.

3. Check fees Switch to paying bills electronically. This usually fee-free service allows you to pay bills anytime and anywhere without paying for checks.

September

As summer winds down, heat and drought may have left your grass a little tired. Luckily, because of cooler temperatures and an increase in precipitation, fall is the best time for lawn rescue.

newsShorts

Technology Advances Home Improvement Projects Home remodeling projects can become overwhelming to even the most experienced DIYers. By doing the proper research and using these new resources, homeowners will find that technology can make home improvement projects faster, and more painless and precise.

Virtual design tools While some homeowners have a natural instinct and vision for how they want their homes to look, others need a little guidance. With seemingly limitless options, a homeowner could come up with literally millions of color and style combinations.

The tools to narrow in on the perfect elements are crucial.

Lumber Liquidators, the largest specialty retailer of hardwood flooring in the United States, recently created the “Room Designer” on its website for homeowners to view different varieties of floors within a number of different types of rooms and setups. Users can swap out the flooring, change the cabinet and wall colors, save their designed rooms and even e-mail the combination to themselves or friends. The site also allows visitors to view before and after pictures from actual customers in order to get ideas for their own homes.

Visit LumberLiquidators.com to begin. (ARA) Northern New York

Laminate Floors-

‘Real’ Wood Alternative

L i f e and H o m e s

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You love the look of natural wood flooring but are afraid to install hardwood because you know the floor will take a beating from the kids, dogs and the heavy day-to-day traffic all too common in modern family life.

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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 But you don’t have to sacrifice high style looks for boring sensibility when considering a new flooring option in your home - not if you choose laminate, that is.

Today’s best laminates combine the realistic grain and texture of wood with high durability and scratch and indentation resistance that “authentic” wood floors don’t provide, according to Jeff Katz, director - laminate for Tarkett Residential, a leading provider of innovative and sustainable flooring.

And not only are today’s laminates available at a fraction of the cost of real wood floors, but they’re right in sync with the latest designs.

“There’s always a new decorating trend around the corner,” Katz says. “It’s imperative for manufacturers to respond to market demand, keeping up with the most up-to-date trends to ensure consumers are getting the latest in style and design, as well as technology.”

One such line is Tarkett’s Trends laminate, a durable new collection featuring eight of the hottest flooring designs, including Old Worldinspired antique-stained planks and soft, hand scraped wood grains. Colors and styles in this line will continually rotate out with new introductions to give homeowners the newest, most popular looks in flooring, ultimately providing them with the high style of premium wood floors without the fuss.

“That’s the beauty of laminate products,” Katz says.

“They’re the new normal - great-looking products that deliver great performance at a great value.

When shopping for laminate products consumers should look for flooring that is engineered with sturdy inner core board layers - preferably ones that deliver high impact resistance (at least an IC3 rating). This type of rating helps provide excellent indentation resistance, and when combined with highly rated top surface protection (AC3 or better) kids and pets can run and play freely on laminate floors without making a dent or marring up the surface’s good looks. As a result, laminate flooring is so durable versus real wood products that some laminates come with up to a full lifetime warranty.

What’s more, creating a laminate flooring transformation in your home is a relatively simple DIY project. Many of today’s new laminate floors

come in easy-to-install planks that simply snap together without the need for messy glue or nails to pound. Laminates can even be used over several types of existing flooring, often eliminating the need for costly sub-floor preparation.

For more information, visit www.tarkettna.com.

(ARA) Owners will spend more than $1 billion on pet insurance by 2010 to pay for things like root canals, antidepressants & grief counseling for their pets. (IIABA) FASTEST GAME OF OPERATION The fastest time to complete the game of Operation was 21.87 seconds achieved by Maharoof Decibels (India) at the Guinness World Records Pavilion in Global Village, Dubai, UAE, on 28 November 2008.

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Brite Orange Realty

8440 Willow Street Evans Mills, NY 13637 Tel: 315-629-2200 Cell: 315-380-8784 www.BriteOrange.com briteorangedan@gmail.com

The Time You Spend With Us Will Change Where You Live

philadelphia is a small, friendly village on the Indian River in a very desirable school district. The village provides municipal power at a very reduced rate compared to national electric and gas providers.

There are several homes available with varying highlights to each including waterfront property. if you are looking for a home in the fT drum area you need to consider philadelphia and the beautiful homes we currently have on the market.

Call for a showing today.

315-380-8784 Dan McIlroy

87 main St philadelphia, nY

$168,000

mLS #S234234

16 antwerp St philadelphia, nY

$180,000

mLS #S238549

Beautiful, recently remodeled georgian Colonial in village. original hardwoods and molding. Treed perimeter creates sense of privacy. gathering on huge screen porch likely a daily activity. Unique butlers entrance in rear of house. Spacious 2 car detached garage.

Could potentially qualify for historic site and grants associated with such.

Charming Victorian home with many modern updates, hardwood and laminate floors throughout. roof and vinyl windows less than 10 years old. newly renovated kitchen, all appliances, fuel oil furnace and tank less than 3 years old.

Wonderful renovated sunroom with all new side sliding vinyl windows, ceiling fan and pellet stove.

34774 US route 11 philadelphia, nY

$179,000

mLS #S240175

31 main St philadelphia, nY

$144,900

mLS #S226521

Beautiful secluded , landscaped retreat on the indian river. Cleared shoreline and dock on deep portion of river. price reduced by aggressive seller. Home also has a rental unit (trailer) next door that currently produces $7200 annually. must see this lot to appreciate.

nice philadelphia village home close to ft . drum and local schools. This 5 bedroom home has a first floor bedroom that could be office with separate entrance and bathroom. formal dining room. four large bedrooms on second floor. all original hardwoods and molding inside. detached garage and cement patio off of the back of the home.

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

Lic. R.E. Salesperson

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

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!

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.

Watertown

$139,900

Beautiful 4 bedroom home in Watertown with finished attic as game room.

Fenced yard. Unbelievable privacy in the backyard. open layout and large bedrooms must see today

www.Life and Homes .com

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L i f e and H o m e s

Sacketts Harbor $49,900

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Three Mile Bay $399,000

September

$269,900

newsShorts

Top Ways to Add Warmth to Your Home in the Fall Just as animals use the fall to prepare for winter, now’s the perfect time to transform your home into a cozy nest where your family and friends will love to gather.

Ginny Bean, publisher of Ginny’s catalog, suggests the following simple decorating touches to add seasonal warmth. * Put out the welcome mat - literally. Make visitors feel welcome from the moment they step through your door. Decorate your front door with a seasonal accent and an attractive mat. * A crackling fire naturally draws people to it.

Rearrange your furniture to create a conversation area around your hearth. If your home doesn’t have a built-in fireplace, there are a number of attractive electric fireplaces on the market that provide warmth with no mess or outside vent.

Some even hang right on the wall. * Light the candles. Choose candlesticks in metallics (gold is popular now) or in warm colors.

For a unique look when entertaining, Bean suggests making your own votives from apples or gourds with a votive carver.

L i f e and H o m e s

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Northern New York

* Bring the beauty of outside, in. Add richness to your home by using fall’s palette of warm colors. Select fabrics and accessories in warm shades of browns, reds, oranges and yellows.

Increase the feeling of coziness by adding layers - think table runners on top of cloths or rugs over carpets - and texture in the form of nubby throws and pillows scattered throughout the room. * Drape your home in warmth. Now is also the time to replace the summer sheers for more substantial curtains, which can keep out drafts and add color and texture to a room. For added energy savings, check out the variety of thermal window treatments available.

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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 .

* Think back to black. A touch of black can add sophistication to your home decor. Use it sparingly though, perhaps in a few picture frames, a ceramic vase or a throw or pillows, because too much black can make the room look dreary. * Continue the theme with decorative accents inspired by nature. Brighten the mantel with a swag of fall flowers and leaves or use artificial flowers to make your own autumn centerpiece.

Bean likes to use mums or natural dried grass

in unexpected containers such as baskets, terra cotta pots or chipped china pitchers or bowls.

Scatter a few gourds, ceramic pumpkins or a leaf-shaped accent piece throughout the room to complete the look.

Ginny’s catalog is dedicated to showcasing fun and unique items for everyday life. The Fall 2010 catalog includes more than 100 pages of products for the home, yard, kitchen and beyond, including housewares, appliances, furniture and accessories. You can also find seasonal recipes, and helpful tips at www.Ginnys.com. To request a catalog or place an order, visit www.Ginnys.com or call (800) 693-0809. (ARA)

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Open Market Listing Service™

LifeandHomes.com

Adams

$267,000 18466 Cty Rte 189 - Riding Stables

Cape Vincent

40 Acres

0.81 Acres

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

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

June E. O'Brien • 315-788-4444

Allen Walker • 315-771-8189

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

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

Alexandria Bay

$750,000

$110,000 27738 Dablon Point Road

Bowes Realty

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

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

Cape Vincent

$119,900

71 Anthony Street

273 E James St

Prime Development Property

3 Bedrooms / 1.5 Baths

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

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

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 / 3.5 Baths

4 Bedrooms / 2.0 Baths

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

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

Chuck Burlingame • 315-771-3421

James Wiley • 315-778-1360

Bowes Realty

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

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

Alexandria Bay

$89,000

$230,000

346 James Street

Bowes Realty

Agent • jameslwiley@tds.net

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

Cape Vincent

$119,500

90 Walton Street

2672 Ponds Shores

3 Bedrooms / 2.5 Baths

2 Bedrooms / 1.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41879

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

Brownville

Bowes Realty

$169,900

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

Cape Vincent

$200,000

208 Brown Blvd

32322 State Route 12E

3 Bedrooms / 1.5 Baths

2 Bedrooms / 1.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #33531

Judy A. Condino, GRI • 315-405-8127

James Wiley • 315-778-1360

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

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

Bowes Realty

Agent • jameslwiley@tds.net

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

Lisa Watson

September

Licensed Real Estate Salesperson Rimada Realty

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

Visit our website anytime www.lakeshorehardwoods.com

266 Manwaring Road, Pulaski, NY 13142 • 315-298-6407 www.Life and Homes .com

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L i f e and H o m e s

We Stock

KILN DRIED cherry, walnut, maple, butternut, ash, oak, exotics and woodworking supplies

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hardwood flooring • stair parts • molding

LifeandHomes.com Cape Vincent

Open Market Listing Service™ Clayton

$158,900

694 South James Street

$375,000 41573 Kehoe Tract Road

3 Bedrooms / 2.0 Baths

1.05 Acres w/ Private Right-of-Way

For more details visit www.LifeandHomes.com Type in Quick Search #41880

For more details visit www.LifeandHomes.com Type in Quick Search #41899

James Wiley • 315-778-1360

Katharine Dickson • 315-783-2104

Bowes Realty

Front Porch Realty

Agent • jameslwiley@tds.net

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

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

Carthage

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

Constableville

$165,000

21378 County Route 47

3708 Sweeney Road

3 Bedrooms / 2.0 Baths

2 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 #41546

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

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

Carthage

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

Constableville

861 State Street

$153,900

$127,000 3706 Sweeney Road / 15 Acres

3 Bedrooms / 1.5 Baths

3 Bedrooms / 1.0 Baths

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

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

George Briggs • 315-782-8498

Barbara Dunn • 315-337-1677

Elliott Realty, Inc.

Barbara Dunn Rlty

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

Broker/Owner • dunrealt@aol.com

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

Chaumont

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

Copenhagen

$219,900

10014 NYS RTE 12

3 Bedrooms / 2.0 Baths

4 Bedrooms / 2.0 Baths

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

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

Amanda Miller • 315-649-3434

Nancy Rome • 315-493-2134

Rome RSA Realty L.L.C.

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

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

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

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

Clayton

$246,000 Ledgewood Lane - Building Lot

Dexter

4.09 Acres

5 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41906

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

Allen Walker • 315-771-8189

June E. O'Brien • 315-788-4444

Coldwell Banker-Rimada Realty

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

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

Northern New York

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

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

Allen Walker

Licensed R.E. Salesperson Bowes Realty

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Allen is a native of Watertown, NY, after four years of military service in the US Coast Guard. A homeowner in Clayton and Cape Vincent for 30 years, he is very familiar with the Lake and St. Lawrence River area.

Retired from Niagara Mohawk, Allen works his real estate career full time and is always available to be of service.

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...

"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

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

START LIVING YOUR DREAM TODAY!

Call Dean Case 315-942-4949 • Cell 315-534-3319 • Fax 315-942-2527

Phone: 315-771-8189 Email: bowes@twcny.rr.com We br i n g p e o p l e a n d h o m e s t o g e t h e r .

$298,300

18700 Evans Road

Bowes Realty

L i f e and H o m e s

$149,900

29411 County Rt 179

Lake Ontario Realty

8

$99,900

Adirondack Builders, Inc. is an independently owned and authorized dealer/builder for Tennesee Log Homes.

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

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

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

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

Rodman

Great Bend

189,000

13115 County Route 156

$154,900 25083 County Route 197

3 Bedrooms / 2 Baths

3 Bedrooms / 1.5 Baths

This home sits on a wonderful lot. approximately 5 acres with two stocked trout ponds. 2 Car detached garage.New wood stove to enjoy in the open living room with vaulted ceilings.Sliding glass doors that lead to a porch that overlooks the ponds and woods!

Go to nnymls.com and Type in MLS#S221137

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

Evans Mills

Redwood

$119,900

$179,000

8737 Factory S

28549 Elm St

3 Bedrooms / 1.5 Baths

4 Bedrooms / 2 Baths

Minutes to Ft. drum!Screened-in porch as you enter that`s great to enjoy the summer months open floor plan. Living room is cozy and opens to a nice dining room that has a comforting gas fireplace.open kitchen/dining area has a nice bar area as well.

Go to nnymls.com and Type in MLS#S239977

**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

Watertown

$164,900

919 Academy St 4 Bedrooms / 2 Baths enter through the enclosed porch to a large 4 bedroom, possibly 5 bedroom home. Lots of updates to include a remodeled kitchen and bathroom. Kitchen features all new cabinets, countertops, appliances, and flooring. Mudroom at the back.

Go to nnymls.com and Type in MLS#S232230

Carthage 35892 Line School Rd $229,900 MLS S240003

Lisa Watson Lic RE Salesperson

Felts Mills 30139 Burnash ave $110,000 MLS S229758

Watertown 942 Salina St $174,900 MLS S234584

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 $750,000 • Anthony Street • Alexandria Bay

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.

$1,200,000 • 71 Anthony Street • Alexandria Bay

Gorgeous view of Boldt Castle and the main channel from the property with development potential. Includes “boat house studio apartment”, plus 3 motel type rentals, 2 boaters baths, large waterside deck, and two-three bedroom two bath floating houses which can be used year around. There is plenty of good sheltered dockage and the property has access to public sewer and water.

$125,000 • Orleans Ave • Fishers Landing

www.Life and Homes .com

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L i f e and H o m e s

Summer and Winter Get-A-Way! Can’t afford to be on the river? Immaculate mobile with 12 X 12 dining room addition with waterview and free use of the waterfront for swimming and fishing. Custom kitchen new in ‘08, new windows and 3 decks (2 covered). Marinas nearby for dockage. Large landscaped lot and a detached garage plus a storage shed for all you lawn equipment. Well maintained and ready for you to move into; Seasonal or year around. The taxes are cheaper than most mobile home parks.

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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

September

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

“No one knows the lake country like US!”

Free Market Analysis!

Amanda J. Miller Licensed R.E. Broker

315.778.1191

$399,900

dexter Come see this spacious 4-5bed/2.5 bath home boasting 150’ of pristine waterfront! Home has brand new gorgeous wood burning FP, cherry hardwwod, granite countertop, 2 car garage & so much more. call today!

Call amanda Lic. R. e. Broker @ 315-778-1191 MLS#S239711

“The Name You Know & Trust in Real estate”

$245,000

$169,000

Historic 6 Bedroom Victorian 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

$219,900

Beautiful Country Cape Cod Home

Spectacular Waterfront Lakehome!

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

$185,000

Copenhagen- 2000 SF 3Bed/2.5Bath home is as charming as can be and has an awesome 3 car garage, beautiful hardwood floors, vaulted ceilings, a wonderful kitchen w/ breakfast bar, absolutely beautiful! The Home sits on a nicely landscaped lot with beautiful shade trees to enjoy a summer day. Call today!

Call amanda Lic. R. e. Broker @ 315-778-1191 MLS #S238705

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

Alexandria Bay

19597 Collins Landing 5 Bedrooms/5 Baths

Featured Home $474,900

Charles Burlingame Lic. R. E. Salesperson

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

L i f e and H o m e s

For more information go to www.nnymls.com and type in MLS # S226560 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 .

BoWES rEaLTY, LLC

RIMADA REALTY

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Northern New York

Price redUced! Fantastically built, one owner mainland year-round home on shipping channel. Protected deep water dockage with good 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 & lots 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, river views in each room.

2400 Sunset Ave Utica, NY 13502

(P) 797.2400

Built by:

New Hartford 2A King Fisher Lane Truly a masterpiece built with the finest materials and impeccable craftsmanship. extremely energy efficient.

Unlike any other home of its kind, a must see! MLS#1002067

Alexander Sen

www.Life and Homes .com

11

L i f e and H o m e s

Senshine Real Estate LLC (C) 725.7167

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Licensed Real Estate Broker

$959,900 September

Brought to market by:

• Situated on 1.7 Acres • 2,700 Sq ft ranch style home • 2,900 Sf ft lower level with walk out • 1,200 Bonus space 2nd flr.

• Radiant heating • Oversized 2 stall garage heated, finished, 12ft cedar doors • Veranda, cedar decks, • 2 Fireplaces • Integrated audio/visual system • Oversized master bath

$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

$139,900 • Mls #s240058

$169,900 • Mls #s238353

17707 co. rte 65, watertown

522, d-1 weldon drive, watertown

• 4 Bedroom, 2 full bath • Large eat-in kitchen • Sunken LR w/ wood fireplace, central vac • 2.10 acres Call Judy Condino, Lic. R.E. Broker 315-408-5968

Northern New York

T AC TR N O IN C

• 2 Bedroom, 2 full bath, Townhome • LR w/ gas fireplace • First floor laundry • Second floor loft & storage area • Two stall garage w/ many built-ins • Central air Call Donald Rickett, Lic. R. E. Agent 315-775-6622 T AC TR N O IN C

ET RK

MA N

O CK

BA

$174,900 - Mls # s239509 522, B-1 weldon drive, watertown

$24,900 - Mls #s237448 county route 59, dexter

CT RA T N CO

L i f e and H o m e s

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IN

$169,900 - Mls # s223108 208 Brown Blvd, Brownville

$9,900 - Mls # s238489 28/29 starbuck Avenue, watertown 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 .

$150,000 - Mls # s227065 22765 Us route 11, watertown

Open Market Listing Service™

LifeandHomes.com

Forestport

$75,500 2433 Little Beaver Lake Road W

Harrisville

2 Bedrooms / 1.0 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33481

For more details visit www.LifeandHomes.com Type in Quick Search #41851

Elizabeth Miller • 315-796-3910

Nancy Rome • 315-493-2134

Century 21 Gentry Realty

Rome RSA Realty L.L.C.

Agent • liz.miller@century21.com

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

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

Forestport

$59,900

186 Osborne Rd

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

Lisbon

$74,900

$279,000

7051 Walnut Road

47 Sparrowhawk

3 Bedrooms / 2.0 Baths

2 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33068

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

Phyllis Chase • 315-942-3361

Carol Adler • 315-778-4457

Century 21 Gentry Realty

Century 21 Millennium Realty

Agent • phyllis.chase@century21.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

Lyme

120 Beckwith

$74,500

$169,000 27127 Montonna Shores Rd North

3 Bedrooms / 1.0 Baths

3 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 #41715

Betty Bork • 315-404-8242

Amanda Miller • 315-649-3434

Century 21 Millennium Realty

Lake Ontario Realty

Licensed Associate Broker • bbork@nnymls.com

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

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 Banker Prime Properties

Licensed Associate Broker • bbork@nnymls.com

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

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

Harrisville

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

Copenhagen

$35,900

$159,900

14138 South Shoure

2020 County Route 194

Building Lot- 5.4 Acres

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41402

For more details visit www.LifeandHomes.com Type in Quick Search #41405

Larry Boliver • 315-346-6015

James Conlin • (315) 681-6914

Byrns Realty

All American Real Estate

Licensed RE Agent • lyboliver@frontiernet.net

Lic RE Broker/Owner • James_Conlin1@hotmail.com

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

Attention Homeowners

Year Round Management Services

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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

September

Jenn's Property Management

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

LifeandHomes.com

Open Market Listing Service™

Chenango Cty

$450,000 Chenango Cty Equine Facility

Sackets Harbor

4 Bedrooms / 2.0 Baths

3 Bedrooms / 1.0 Baths

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

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

David Posson • 607-316-3758

Kathy Cook • 315-629-5770

Posson Realty

Broker/Owner • possonrealty@frontiernet.net

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

Chenango Cty

4 Bedrooms / 2.0 Baths

Post & Beam

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

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

David Posson • 607-316-3758

Al Roy • 315-458-4256

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

Greene County

Custom Home Masterpieces, Inc. 0 • alroy@twcny.rr.com

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

Theresa

4 Bedrooms / 2.0 Baths

2 Bedrooms / 2.0 Baths - Waterfront Access

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

For more details visit www.LifeandHomes.com Type in Quick Search #33529

David Posson • 607-316-3758

Jocelyn Merritt • 315-482-8670

Broker/Owner • possonrealty@frontiernet.net

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

Pamelia

$269,000

$142,500

41763 Clear Lake Road

Garlock Realty

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

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

Three Mile Bay

$119,000

25030 Co. Rte. 53

6921 Failing Shores

3 Bedrooms / 2.0 Baths

2 Bedrooms / 1.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #33183

April Marvin • 315-778-8042

James Wiley • 315-778-1360

Lake Ontario Realty

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

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

Rutland

$110,000

Bowes Realty

Agent • jameslwiley@tds.net

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

Three Mile Bay

30139 Burnash Ave

$379,000 28467 BayView Drive - Lakefront

3 Bedrooms / 1.0 Baths

3 Bedrooms / 2.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #33915

Lisa Watson • 315-286-9682

Amanda Miller • 315-649-3434

Coldwell Banker-Rimada Realty Lic. R.E Salesperson • MLBJS5@hotmail.com

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

Northern New York

Custom Built Homes

$350,000 Greene County Gentlemans Farm

Posson Realty

Doris Olin

Lic. R.E. Associate Broker Coldwell Banker Rimada Realty

A Watertown native having been born and raised here. My real estate career started upon graduation from high school first, a work field of doing Abstracts of Title, I had my own tax business for over 20 years & did accounting for several businesses in the area. Raising 4 children with my husband & now enjoying our 9 grand-children. We have been summer residents of Wellesley Island since the 60’s. We also owned our own business there. In 1985 I started selling Real Estate again & have been a top listing & selling agent with Coldwell Banker Rimada Realty since that time.

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Lic. R.E Agent • maycie5770@aol.com

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

Syracuse

Broker/Owner • possonrealty@frontiernet.net

L i f e and H o m e s

Century 21 Millennium Realty

$350,000 Chenango County Dairy Farm

Posson Realty

Phone: 315-783-8241 Email: dolin@gisco.net

14

$188,000

316 Dodge Avenue w

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 .

Lake Ontario Realty

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

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

June O'Brien

James Wiley

Lic. R.E. Salesperson Coldwell Banker Rimada Realty

Licensed R.E. Assoc. Broker Bowes Realty

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

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

MLS#S235520

MLS#S229213

MLS#S232963

MILLENNIUM REALTY Watertown

Gouverneur

$93,000

$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.

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!

MLS#S233392

Gouverneur

A name that everyone has come to trust!

$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!

Betty Bork Associate Broker 404-8242 cell

MLS#S239142

MLS#S239909

bbork@nnymls.com For more information on any of these homes, visit

www.c21nny.com and type in the MLS# Alexandria Bay

$89,000

Philadelphia

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.

$237,500

Attractive ranch home 10 miles from Fort Drums main gate. Great 30X40 garage capable of holding up to 4 cars. Also includes a large 16X18 storage shed. Kitchen is fully applianced. Living room has a beautiful cobblestone fireplace. 2 large bedrooms have w/w carpeting.

Oswegatchie

$210,000

If an Auto Repair Shop is what you are looking for, then I found it for you. Just grab your hand tools and get busy.This repair shop will come with some equipment.

This has 2 bays one with having an auto lift. This sits on 3.90 acres of land. Let your imagination run wild!

Watertown MLS S224480 Oswegatchie MLS S239136 Cape Vincent MLS S239287 Three Mile Bay MLS S238356 Watertown MLS S234153

$25,000 $189,000 $39,000 $18,000 $36,500

www.c21nny • 1256 Arsenal Street Watertown, NY 13601

BENN REALTY Visit our office site on the web @ www.bennrealty.com KaYUTa LaKe

$395,000

Relax and enjoy all the amenities and opportunities of the Kayuta Lake area, on your own private peninsula with large shady lawn area for your games, & over 400’ of lake frontage w/ sandy beach. Large 3 bedroom, 2 bath, main house with a smaller, 2 bedroom guest cottage. Cottage needs some tlc.

MLS #1001993

KaYUTa LaKe

5584 Lake Shore drive Kayuta Lake, rEmSEn, nY H. EdWard BEnn, BroKEr “HErB” BEnn - Sales person

(315) 831-5061

PoLaNd

$375,000

Beautiful home on expansive, professionally landscaped 8.4 acre property w/ 405’ frontage on the west canada stream. Great kayaking/tubing right from your dock. 12 Kw auto-start standby generator. 2 Story barn has 2 rv drive-through oh doors. expansion attic could provide 2 more bedrooms & bath.

Mls #1001426

$139,000

MLS #1001300

KaYUTa LaKe

$285,000

Large 5 bedroom cottage on a picturesque waterfront lot, with a fantastic view overlooking the islands. 100’ Sandy beach. This is a true turn key sale. Just bring your toothbrush! Fully furnished, right down to the dishes and linens.

Year round access.

MLS #1001600

September

Immaculate 2 bedroom, year round home, in like new condition nestled into a 5+ acre wooded setting. Full poured wall basement w/ bilco door to yard. Hiefficiency gas furnace. Full width, deep, covered porch. Very secluded setting.

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$215,000

Nearly new, quality built custom home by dean case. extra high icf basement walls to accommodate finished rooms in the basement. High efficiency boiler with 3 zone in-floor radiant heating, including basement. Private secluded setting w/ woods lined yard area, offering good visual barrier from road.

NoRTH LaKe

$325,000

enjoy the seclusion, solitude, and ambience of a pristine,wilderness lake, deep in the heart of the beautiful adirondacks. The 3br cottage is nestled into a very heavily wooded, 1.4 acre site. W/ 289 prime lakefront. Solar power w/ generator back-up.

MLS #1002621

MLS #1002141

www.Life and Homes .com

15

L i f e and H o m e s

ReMSeN

LifeandHomes.com Watertown

Open Market Listing Service™

$99,500

Plus Single Family

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41382

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

Katharine Dickson • 315-783-2104

Lisa Watson • 315-286-9682

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

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

Watertown

$189,800

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

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

Watertown

$2,580,000

324 Keyes Ave

4 Bedrooms / 2.0 Baths

6 Bedrooms / 4.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41896

For more details visit www.LifeandHomes.com Type in Quick Search #41850

Doris L. Olin • 315-783-0241

Nancy Rome • 315-493-2134

Lic. R.E Associate Broker • dolin@gisco.net

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

Watertown

$177,500

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

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

Watertown

$139,900

143 Bishop Street

620 Lillian Street

3 Bedrooms / 1.5 Baths

4 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41852

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

June E. O'Brien • 315-788-4444

Nancy Rome • 315-493-2134

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

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

Watertown

$164,900

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

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

Wellesley Island

$599,000

919 Academy Street

18723 Rock Baie Road

4 Bedrooms / 2.0 Baths

8 Bedrooms

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

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

Lisa Watson • 315-286-9682

Deborah Schaefer • 315-836-3578

Coldwell Banker-Rimada Realty Lic. R.E Salesperson • MLBJS5@hotmail.com

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

Watertown

$174,900

Front Porch Realty

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

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

Wellesley Island

$82,500

942 Salina Street

42905 Co. Route 100

5 Bedrooms / 1.5 Baths

3 Bedrooms / 1.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #33933

Lisa Watson • 315-286-9682

Deborah Schaefer • 315-836-3578

Coldwell Banker-Rimada Realty Lic. R.E Salesperson • MLBJS5@hotmail.com

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

Northern New York

Coldwell Banker-Rimada Realty

1016 Sherman Street

Coldwell Banker-Rimada Realty

Barbara Dunn Realty

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L i f e and H o m e s

$189,000

13115 County Rt 156 w

Front Porch Realty

215 N. James Street Rome 315-337-1677 • dunnrealt@aol.com 16

Watertown

Bronson Street - 2 Family

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 .

Jocelyn Merritt

Licensed Real Estate Associate Broker Garlock Realty

I was a summer resident of the Lake of the Isles until my husband and I moved to Alexandria Bay in 2001.

Finding homes on the river for my friends was a hobby of mine. The river has been my playground since I was a kid. I pursued my real estate license one year and qualified and passed my Broker's course the next. I affiliated with Garlock Realty as they were always my river realtor of choice. If you can't find what you are looking for. call me. If you can describe it... I can locate it!

Phone: 315-482-8670 Email: jocelyn_merritt@yahoo.com

Front Porch Realty

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

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

Misty Atwood 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

FinancialPlanning After the Recession: Threats & Opportunities for Entrepreneurs Unfortunately few operating businesses are immune to the effects of the recent credit crunch. As the threat of inflation continues and prices rise, oftentimes available credit doesn’t. Small business owners are left to restock inventories with less liquidity. This effect can quickly snowball and cause serious liquidity and credit problems. Keeping lines of credit open and maintaining an additional cash buffer may ease the pressure a bit. Business owners can also look for loans from less traditional sources. A permanent life insurance policy, for

Gary Sunada

example, provides death benefit protection, but can build equity in the form of cash value you can borrow against should you need to.

Opportunity: Retirement Contribution Tax Deductions Many business owners are so certain they will be able to fund their retirement through the sale of their business that they don’t bother to make any other retirement plans. The reality is, a sale might not be easy and there are attractive opportunities for current tax deductions through qualified retirement plans.

Traditional plans remain popular and include IRA’s, 401(k)s, SEP’s, and SIMPLEs. They allow employers to take a tax deduction on contributions. Other IRSapproved plans are increasing in popularity such as the 412(e)(3) plan. This plan may allow certain small business owners to make potentially higher initial tax deductible contributions. You should consult your tax or legal advisor prior to establishing a qualified retirement plan.

Opportunity: Increased Unemployment Results in Larger Employee Pool For employers looking to bring on new employees, the down economy may actually benefit their business. Increased unemployment has flooded the employee pool with more highly qualified candidates than ever before.

Employers shouldn’t overlook potential candidates because of the stigma of having been laid off. The job market presents the opportunity for small business owners to attract and retain big business talent at small business costs. It may also be wise to hire commission-based employees, often known as “pay for performance.” Employers will find an increasing number of qualified individuals that may have never considered commission-based compensation before, willing to give it a try.

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 topic discussed, please contact Gary at 315.738.2612. Neither New York Life, nor its agents, provides tax, legal, or accounting advice. Please consult with your professional adviser for tax, legal, or accounting advice.

"Bank" on Whole Life for Your Financial Needs - Right Now

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September

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. So, where’s the worried consumer to go for financial stability?

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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.

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What to Do with Rollover Funds

Home service network

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