Home and Garden, and Real Estate- January 19, 2019

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Home & Garden F

|

| SUNDAY, JANUARY 19, 2020

& Real Estate

INSIDE

SMART SAFETY: Protect your smart devices from hackers, F4 ANTIQUES & COLLECTING: Don’t be cavalier when serving caviar, F2 IN THE GARDEN WITH LEE REICH: F5 HOME PLAN OF THE WEEK, F8 WMASS DEEDS, F9

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HOME & GARDEN

F2 | SUNDAY, JANUARY 19, 2020

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Terry and Kim Kovel | Antiques & Collecting

Don’t be cavalier when serving caviar

Y

ou probably won’t find a blue cut-to-clear glass caviar server like this one that just sold for $2,318 at a recent Neal Auction in New Orleans, but you might want to serve caviar the right way for a party. The event will be the talk of the town.

KPM plaque, Prussian royalty, jeweled crown, gold dress, lace shoulders, fur cape, porcelain, 8 1/2 x 7 inches, $310.

Teplitz vase, climbing squirrels, berries, leaves, porcelain, Eduard Stellmacher & Co., 19 x 12 inches, $340.

Sugar caster, silver, relief scrolls, finial, monogram, William Hutton & Sons, England, 9 x 3 inches, $750.

Stoneware pitcher, cobalt blue tulips, leaves, tooled neck and body, flared base, 10 3/4 x 7 1/2 inches, $1,125.

Art pottery vase, reclining nudes, leaves, grapes, glazed earthenware, Rene Buthaud, 1920s, 11 1/2 x 8 inches, $3,000.

Garden lounge, wire frame, white, cushion, Richard Schultz, Knoll, 1960s, $4,550.

Tiffany Studios lamp, Zodiac, 1-light, turtleback tiles, gilt bronze, stamped, 1920s, 14 x 10 1/2 inches, $5,940.

Daum pate de verre vase, Amaryllis, blue to green to yellow, trumpet shape, 24 x 12 inches, $7,820.

Wristwatch, Patek Philippe Calatrava, 18K gold, porcelain dial, eel skin band, Germany, $8,100.

German bisque doll, boy, painted blond hair, papier-mache, ball jointed body, 17 inches, $11,685.

This cut-glass globe holds ice and caviar at fancy parties.

It is part of the elaborate way caviar is properly served. It auctioned for over $2,000.

the low-priced pottery.

You can look for auctions that have sold McCoy pottery recently and see if they will sell the entire collection for you.

Be sure to find out what the seller’s fees are.

The McCoy Pottery Collectors Society (mccoypotterycollectorssociety.org) might have information about places that have major sales of McCoy pottery.

Q. I’m moving and would Q. I want to sell my mothlike to sell 200 pieces of McCoy pottery in any way possible. Could you suggest any avenues to facilitate selling off my collection?

A.

A large collection like this should sell best as a group.

There may be some rare highpriced pieces as well as more common low-priced pieces. If you try to sell them separately, you might have trouble selling

er’s doll. It is marked “A.W.” on the back of the head, and “A.W./W./special” on its hip. The doll has long brown hair, brown eyes that open and close, and a slight smile showing four tiny teeth. The head and body are different materials, and the longer I have it, the more the body deteriorates. Can you give me any information or an approximate value?

value.

In good condition, Wislizenus dolls have auctioned for $100 to $350. In restored condition, one could sell for about $500.

bookends look like the front of a building with steps up the middle and pillars on either side. Are these of any value?

A.

These bookends were made by Bradley & Hubbard, My grandfather, born in a company that started in The Gottlob Schafft doll 1868, had a set of heavy met- Meriden, Connecticut, in 1854. al bookends with Dante’s The company made many factory was founded in 1851 profile on one and Homer’s cast iron bookends, andirons, in Waltershausen, Thuringia, profile on the other. The clocks, lamps, sewing maGermany, to make papier-mache dolls. Adolf Wischines and other items. The profiles are gold color, lizenus joined the company raised and in a circle with SEE ANTIQUES, PAGE F3 around 1870 and was sole own- laurel leaves below. The er by 1878, when he changed the company’s name.

Wislizenus made dolls with wax heads in the late 1870s Quality Oil & Kerosene and early 1880s, then used bisque heads made by other Oil & Gas Heating Services German doll companies. After 1894, the company made jointed doll bodies. The company operated until 1931.

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Here’s the proper Victorian way: Serve the caviar (tiny fish eggs) in a chilled double bowl, a large bowl filled with ice chips holding a smaller bowl filled with the caviar. And yes, you must have a correct silver caviar spoon.

The expensive eggs are served in small portions on a blini, a small Russian buckwheat pancake that is topped with creme fraise or sour cream then rolled to be held like a taco. Or you can make toast points (triangular pieces cut from a slice of bread) and top with a slice of hard-boiled egg and caviar with a wedge of lemon to be squeezed for juice on top.

Do not ever cook caviar. But you can top soup with a little bit. Serve with vodka or champagne.

The fancy service is part of the charm, so find two suitable antique glass bowls and impress your party friends.

CURRENT PRICES Current prices are recorded from antiques shows, flea markets, sales and auctions throughout the United States. Prices vary in different locations because of local economic conditions.

THE REPUBLICAN | MASSLIVE.COM

HOME & GARDEN

SUNDAY, JANUARY 19, 2020 | F3

Don & Dave Runyan | Project of the Week

This project stands the test of time

A

GRANDFATHER clock is one of those pieces of furniture that’s simply destined to become a family heirloom. Classic design, solid construction and practical functionality all conspire to stand the test of time.

If you’re a woodworker looking for a project that the next generation will enjoy, this handsome grandfather clock project definitely fits the bill.

Standing an imposing 6 feet tall, the clock is built from oak as pictured (other species will also work).

The classic design is complemented by the Westminster clock movement, which mimics the familiar chimes of London’s Big Ben. Although the clock requires close attention to detail and a significant investment of time, the project is easy enough for most woodworkers.

The case is essentially a basic box, the curved cuts are traced from full-size patterns and

the decorative details (which give the effect of dimensional moulding) are created by using multiple layers of wood.

The Grandfather Clock plan, No. 935, is $9.95 and includes complete step-by-step directions with photos, full-size traceable patterns, a shopping list and cutting schedule, a mail-order source for the clock movement and a toll-free help line for project questions.

Please include $4 per order for postage and handling and allow about two weeks for delivery.

To order by mail, clip this article and send it with a check or money order to U-Bild Features, c/o The Republican, 741B Olive Ave., Vista CA 92083. To order by credit card, call 1-800-828-2453. Visit U-Bild on the web at u-bild. com.

Although the clock requires close attention to detail and a significant investment of time, the project is easy enough for most woodworkers.

Antiques

with a name stenciled on the The number on your piano front that isn’t the name of the indicates it was made between actual manufacturer are called 1890 and 1895. Some Schaaf CONTINUED FROM PAGE F2 “stencil pianos.”) upright grand pianos sell for company name became BradSchaaf began making pianos over $10,000 depending on ley & Hubbard Manufacturing later, and the factory was condition. It needs to be seen Co. in 1875. Charles Parker Co. producing 30 pianos a week by an expert to determine the bought the firm in 1940. There in 1894. The company made value. is no mention of Bradley & grand pianos, upright pianos, Hubbard after the 1950s. player pianos and reproducing Terry Kovel and Kim Kovel Homer, a Greek poet, and pianos under its own name, but answer questions sent to the colDante, an Italian poet, were also made pianos under other umn. By sending a letter with a pictured on two different sets question and a picture, you give brand names. Schaaf ’s three of Bradley & Hubbard bookfull permission for use in the colsons took over the business ends. Your bookends that umn or any other Kovel forum. in the early 1920s. It survived include the classical building Write to Kovels, The Republican, strikes and fires, but business features sell for $100 to $150. declined during the DepresKing Features Syndicate, 628 sion. The company was in Virginia Drive, Orlando, FL business until at least 1934.

32803.

I’d like to know how old my upright grand piano is. It says “Adam Schaaf Chicago” under the large front compartment of the piano, and the number “5103” is on the back of the piano. I bought it at an estate auction 10 years ago and it’s in near mint Call Today to Learn More Aboutt condition. Can you tell me when it was made?

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Schaaf immigrated from England in 1869. He started selling pianos out of his home in Chicago in 1873. He moved his business to a factory in 1879. Although he sold pianos with his name on them, he did not build pianos at that time. (Pianos that are sold

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HOME & GARDEN

F4 | SUNDAY, JANUARY 19, 2020

THE REPUBLICAN | MASSLIVE.COM

Wise ways to protect a smart device Be wary, experts say: ‘Everything is hackable’

S

By Marcia Heroux Pounds

Sun Sentinel

o your holiday gift was a new smarthome device.

It could be Amazon’s Echo, often called “Alexa,” or Google Home using “Siri,” which provide music, news updates and other information features; or an iRobot Roomba to clean your floors; or the Ring doorbell; or a smart TV for voice-command video.

“As we bring more and more technology into our homes, we need to be aware of its capabilities, its limitations, and some basic questions people should ask relative to its presence in their lives.”

Beth Ann Steele, public information officer for the FBI

So step it up by changing your password every 90 days, another expert says.

Rader recommends consumers find a “scheme” that A second generation Echo that controls the blinds, televisions and lighting at an Amazon Expe- will help them remember a password, such as the words rience Centers model home in Dallas. (NATHAN HUNSINGER / THE DALLAS MORNING NEWS) Maybe you’re thrilled with from a song you like. Then with the new device that you your gift. Or maybe you’re a for another account. mix the words with lower and there may be options that go ‘yes,’ ‘yes,’ ‘yes’ while setbit wary, given reports of cyReza Azarderakhsh, assoupper case letters, numbers could have an impact on priberhacking of some devices. ting up the device,” observed vacy and security. ciate professor of computer that are not repetitive, and Internet-oriented devices Tim Rader, director of prodscience at Florida Atlantic special characters, such as an can make life simpler, through uct development for security Change the password University in Boca Raton, ampersand, asterisk or dollar Many smart-home devices voice-activated commands company ADT. Florida, said that while chang- sign. ing the password for your come with a manufacturer’s and remote operation, but The Boca Raton-based Two-factor authentication device is always a good idea, they also can allow access to company developed the Alexa password to set them up.

Better yet, more smartit shouldn’t give you a false Don’t use the device with cyberhackers looking to steal Guard app to integrate its home devices are adding sense of security. this password because it’s your personal information. security product with smart“Everything is hackable.

“It doesn’t make you secure two-factor authentication, easily found online. Create a home devices.

If you can access it, others against a serious cyberattack,” which means you’re providing unique password for the de“Don’t be in too much of vice, and not one you’ve used he said. can access it,” said Yair Levy, a rush,” he said, saying that SEE DEVICE, PAGE F11 director of the Center for E-learning Security Research at Nova Southeastern University in Davie, Florida. “Any new device you add, you add another (security) hole.”

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GARDEN NOTES STOCKBRIDGE

Upcoming programs Berkshire Botanical Garden, 5 West Stockbridge Road, presents “Sustainable Garden Care and Maintenance,” beginning Tuesday and meeting for four weeks on Tuesdays through Feb. 11, from 5:30 to 8:30 p.m.

Learn about the maintenance considerations that should be integrated into the design process. Students’ horticultural knowledge will expand to factor sustainable maintenance concerns with cost effectiveness into plant selection. Learn procedures for perennials, woody plants, and lawns, including transplanting, staking, fertilizing, winterizing, mulching, plant pathology, and pest control with an emphasis on deer control.

On Thursdays, Jan. 23 to Feb. 13, Berkshire Botanical Garden presents “Greenhouse and Conservatory Management,” from 4 to 7 p.m.

This course will focus on the fine points of controlling the greenhouse environment. Whether maintaining a conservatory collection of ornamental plants or producing greenhouse crops, participants will learn how to grow, care for and maintain plants in a greenhouse setting.

The relationship between temperature, water, light, fertilization, plant health and diseases will be covered, with a strong emphasis on IPM. This program is appropriate for homeowners with conservatories, glassed-in-porches and greenhouses.

The cost for either of these programs is $180 members, $195 nonmembers.

To register, go online to berkshirebotanical.org.

Send items for Garden Notes to pmastriano@repub. com two weeks prior to publication.

HOME & GARDEN

SUNDAY, JANUARY 19, 2020 | F5

Lee Reich | In The Garden

Plant addict couldn’t resist Joshua tree temptation

I

don’t want to sound ungrateful, but please be more considerate when offering me a plant or seeds. You see, I’m an addict, a plant addict — there, I’ve said it.

Offer me a plant or a seed, and I’ll likely be unable to resist growing it.

A Joshua tree does have a certain rustic beauty, eventually looking something like a combination of date palm and yucca plant. It is, in fact, a species of yucca.

Despite its rustic beauty, a Joshua tree is too dangerous to use as a houseplant.

A case in point is my Joshua graphs on the display card, I have read, though, of tree. A friend’s father gave her this plant is going to become people rendering the plant less these seeds, neatly encased in more surprising and unique threatening by clipping off the clear, molded plastic affixed to with age. Those desert scenes sharp tips of the leaves. a display card that came right show a thick trunk, about 20 Anyone out there interested off a gift rack in Arizona. feet high, covered with the in taking this “Ageless Symbol My friend had no interest in downward pointing, tawny of the Mojave Desert” off my trying her hand at raising Josh- remains of old leaves. hands? ua trees, so with a “Thought Come visit Lee Reich’s garden The tree eventually develops you might be interested in a few branches that come out online at leereich.com. growing these,” she casually from the trunk like burly arms. passed the seeds on to me.

Those arms, reaching up to the Could I resist planting the sky, reminded the Mormon seeds? pioneers of the Hebrew leader I didn’t even have to read Joshua, who did the same with the display card blurb stathis arms and got this tree its Seasonal Savings On Honda Generators and Snow Blowers! ing “fresh, common name. surprising, But no, I A Joshua tree SAVE EU2200i MSRP $1,139* unique, fun wouldn’t say that $ ** does have $ to grow” beJoshua tree is “fun , fore my finto grow.” The a certain • 2200 watts • Super quiet — 48 to 57 dB(A) gers started reason is because • Lightweight (less than 47 lbs.) rustic beauty, twitching in a it’s too dangerous.

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And yes, the plant is “surMy Joshua tree summers prising, unique.” Now, after outdoors in a sunny spot, getthree or four years of growth, ting occasional fertilizer and POWER SPORTS, MARINE & POWER EQUIPMENT water, if I remember and want my one Joshua tree is a spiky Rt. 202, Granby, MA | (413) 467-3499 w w w. a l l p o w e r s a l e s . c o m to bother. tuft of narrow, gray-green In winter, my plant comes leaves, each about a foot long. inside to a cold window in my That tuft is already rising up basement, where it gets no on the makings of a trunk. attention whatsoever.

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HOME & GARDEN

F6 | SUNDAY, JANUARY 19, 2020

THE REPUBLICAN | MASSLIVE.COM

Habitat for Humanity may be among the best-known sweat equity programs, but others include USDA direct loan program, Fannie Mae’s HomeReady mortgage and Freddie Mac’s Home Possible mortgage. These loan programs are primarily designed for lower-income households. Above, Jimmy Ochan, one of the homeowners selected by Habitat for Humanity, helps with building one of the houses under construction in Alexandria, Va. (SALWAN GEORGES / WASHINGTON POST)

A path to ownership for those who might not be able to afford a home

Sweat equity, sweet deal

By Michele Lerner

Special To The Washington Post

When Joyce Ayaribire, a clinical technician at Inova Hospital and single mother of two boys, wanted to leave her Alexandria, Virginia, apartment because she was concerned about the safety of the neighborhood, she didn’t think purchasing a home would be an option.

used home furnishings and building materials.

For Ayaribire and others, the process of becoming a homeowner includes physical labor as well as financial prep.

Habitat for Humanity may be among the best-known sweat equity programs, but

others include USDA direct loan program, Fannie Mae’s HomeReady mortgage and Freddie Mac’s Home Possible mortgage. These loan programs are primarily designed for lower-income households.

The programs are not for everyone — they can be diffi-

cult to find and qualifying for them is not always easy. Plus, buyers have to set aside a large chunk of time — as much as 500 hours, depending on the program — to work their volunteer hours.

Still, program leaders say SEE EQUITY, PAGE F7

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“I wanted to buy a house if I could, but I didn’t have the cash for a down payment and I didn’t know how I could qualify for a loan,” Ayaribire says. “A co-worker told me about Habitat for Humanity, so I applied online and a little more than a year later my boys and I live in the condo I own in Lorton.”

Ayaribire, like everyone who applies for housing help through Habitat for Humanity, underwent a detailed screen-

ing process, took financial education classes and put in 400 hours of sweat equity for her down payment. Her boys, now 13 and 15, also helped with the renovation of their house and volunteered in a ReStore, which are Habitat for Humanity’s retail outlets for new and

THE REPUBLICAN | MASSLIVE.COM

HOME & GARDEN

SUNDAY, JANUARY 19, 2020 | F7

Equity

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chase and many that do require the participation of a nonprofit organization to manage the CONTINUED FROM PAGE F6 sweat equity hours. buyers can save anywhere Freddie Mac recently from a few thousand dollars to introduced sweat equity to its tens of thousands of dollars. down-payment options for its In some cases, they end up Home Possible loan program. not having to make any down “The Home Possible payment. mortgage requires a 3% down payment, but that money can Different programs, come from a gift, a grant from different rules a down-payment assistance Each program has slightly program, family members or different rules, but in general, your employer,” says Danny the concept of sweat equity is Gardner, senior vice president to improve the housing stock of single-family affordable through building new affordlending at Freddie Mac in able homes or renovating disWashington, D.C. “Allowing tressed ones with the help of sweat equity is just one more the people who will live there. way of adding flexibility to The hours those buyers voldown payment sources.” unteer save on labor costs and The Home Possible program can be calculated to function is limited to households with as a down payment on the an income at or below 80% of property. The buyers must also area median income based on qualify for the mortgage with their household size. For exa credit profile, job history and ample, in the Washington area, median income is $121,300 income sufficient to repay the for a four-person household. loan.

Sweat equity can cover 100% of closing costs and down pay“There’s a shortage ment for this loan program.

“The idea is that a seller has of housing and it’s to be willing to let the buyer hard for people work on the house prior to the to save for a purchase,” Gardner says. “Everything has to be documented down payment, in the purchase contract and so a sweat equity an appraiser has to factor in the program can help value of the renovation work into the property assessment.” renovate this Gardner says the program is country’s aging so new no one has participated housing stock yet, but he says a seller might be willing to do this instead and help people of negotiating to have repairs achieve their done before the sale or through homeownership a credit to the buyers.

“An example when this might goals.” be appealing is if a house is Danny Gardener, Freddie Mac vacant or it’s an estate sale,” senior VP of single-family Gardner says. “We see this affordable lending working well in an area where neighbors know and trust each “A major misconception other and might be willing to about Habitat for Humanity is accept a buyer coming in to do that it’s a low-income giveaway the work before the closing. Of home program,” says the Rev. course, this would all be supJohn Smoot, executive director ported by an appraisal, too.”

Another scenario anticipated of Habitat for Humanity of

by Gardner is a partnership Northern Virginia. “We’re between a nonprofit commuactually a general contractor nity development organization and a lending institution.

We’re regulated by the federal and buyers.

Gardner says the Freddie government like any other Mac sweat equity program is lender.”

Not every loan program or modeled on the successful lender allows sweat equity to USDA Mutual and Self-Help SEE EQUITY, PAGE F12 be used toward a home pur-

HOME & GARDEN

F8 | SUNDAY, JANUARY 19, 2020

THE REPUBLICAN | MASSLIVE.COM

A welcoming front porch and board and batten siding make this home feel both classic and stylish.

HOUSE OF THE WEEK

Timeless curb appeal This 1,416-square-foot farmhouse design delivers timeless curb appeal and an easygoing layout.

The master suite sits on one side of the home and includes a private bathroom with two sinks, a large shower and a walk-in closet.

On the other side, two additional bedrooms share the hall bath.

Opening to the spacious great room, the kitchen sports a large island and eating bar.

Other thoughtful touches include lockers and a desk just off the two-car garage.

To build this home, you can order a complete set of construction documents by

calling toll-free 866-2280193 or by visiting eplans. com/collection/house-ofthe-week. Enter the design number to locate the plan and view more images and details.

At eplans.com/collec tion/house-of-the-week, you can view previously featured plans, browse other specialty collections, or use our search filters to help you find exactly what you want from more than 28,000 home designs. Most plans can be customized to suit your lifestyle.

DETAILS Design number: 430-209 Bedrooms: 3 Baths: 2 Square Footage:

1,416 Dimensions: 51’ x 47’ Framing: 2 x 4

THE REPUBLICAN | MASSLIVE.COM

Deeds AGAWAM Carolyn Groux and Arthur Groux to Tenille Carr and Heather Carr, 313 Leonard St., $249,900.

Carriage Funeral Holdings Inc., to Douglas Trevallion and Martha Trevallion, 30 Coventry Lane, $63,500.

David F. McGrevy, representative, Dennis Charles McGrevy, estate, and Dennis C. McGrevy, estate, to VIP Homes & Associates LLC, 321 Leonard St., $82,000.

Dennis G. Lang and Cynthia Lang to Anthony Settembre, 52 William St., $225,000.

HOME & GARDEN

Trobaugh Family Revocable Trust to Joann Carino, Maplewood Circle, $100.

BELCHERTOWN Kenneth H. Snow and Linda H. Snow to Snows Self Storage LLC, 746 Bay Road, $1,400,000.

John H. Harstad, trustee, S & J Realty Trust, Raymond Mitchell, David Allen, Sandra Coty, George Thomas Mitchell and Sharon Allen to John H. Harstad, 360 Old Enfield Road, $100.

John W. Phelon to UFP Real Estate LLC, 161 Bay Road, $300,000.

SUNDAY, JANUARY 19, 2020 | F9

Sweeney, 76-78 Muzzy St., $227,500.

Campagnari Construction LLC, receiver, Chicopee City Health and Paul Laflamme to Campagnari Construction LLC, 122-124 Pine St., $255,000.

Carmen Santos to Sheila Bailey, 12 Ellen Ave, $176,000.

Charlene L Henchey to Elizabeth M Henchey and Brian L Wentworth, 12 Ravine St, $185,400.

Dana L Garton to Danielle A Langevin, 37 Albert St, $125,500.

Dgl Properties Llc to Jason J Libian, 216 Fairview Ave, $217,000.

Erin Bishop and Christopher BishMona Rock and Mona L. Huber to Jonathan Bousquet, 52 Segur Lane, op to Michael Konopko, 126 Royal St., $157,050. $237,000.

Douglas M. Trevallion II, Douglas HP Chicopee LLC, and HP ChiDaniel P. Kramer and Deborah J. Trevallion, Martha L. Trevallion and copee Montgomery LLC. to EPC Timberlake to Caitlyn Grace McMartha Trevallion to Shawn Santos, Ginn, 276 Amherst Road, $185,000. Hammes LLC, 444 Montgomery Nicole Santos, Robert Santanella St., $21,560,000.

George H. Adams Jr., trustee, and Lynn Santanella, 30 Coventry James F. O’Hara, Janice M. O’Hara Betty A. Adams, trustee, and Lane, $595,000. and Kelley K. O’Hara to Ariel Adams-Hampshire County Realty Gregory Jason Guzik to MS Homes Osgood and Miguel Sanchez, 53 Trust to Cedarwood Apartments LLC, North West Street, $70,000.

Shepherd St., $178,000.

LLC, 154-156 Amherst Road, Gregory Jason Guzik to MS Homes $775,000.

Linda L. Czerwiecki, representative, LLC, North West Street, $70,000.

John Joseph Czerwiecki, estate, Family Woodlot LLC, to William and John Joseph Czerwieki, estate, Heather Carr, Heather Cone and Blackwood III, Summit Street, to Matthew Slowik, 33 Graham Tenelle Carr to Stephen Smith, 75 $20,000.

Drive, $55,000.

Florida Drive, $180,000.

Family Woodlot LLC, to William Nationstar Mortgage LLC, and HSBC Bank USA, trustee, and Blackwood III, Summit Street, Champion Mortgage Co., to Victor FBR Securitization Trust 2005-3, $19,000.

M. Fernandez Velasquez, 280 trustee of, to Daniel P. Tobias and Robert M. Mileski to RMM ProperSheridan St., $115,000.

Andrea C. Tobias, 73 Stony Hill ties LLC, 20 State St., $100.

Road, $140,000.

Oksana Gavel and Sergey Gavel Kevin W. Whitehead, Lisa J. Whitehead and Lisa J. Bartnik to Joshua A. Dupuis and Casandra C. Greene, 60 Katharine Drive, $325,000.

Agawam Silver Street Real Estate Inc., to SA Holding 1 LLC, 11 Herbert P. Almgren Drive, $600,000.

William J. Murphy and Imelda M. Murphy to Mikaela A. Nicora and Austin T. Decosmo, 48 Dartmouth St., $217,500.

AMHERST Elena Dupuis, Gary M. Dupuis and E. Dupuis to Shana L. Hansell, 181 Wildflower Drive, $575,000.

Isaac Young Park and Youngjoon Park to Zachary Landsman Halpryn and Zachary Jared Eagle, 50 Meadow St., $217,500.

BERNARDSTON Richard J. Couture and Margarete R. Couture to William Patrick Thompson and Gayle Ann Drake-Thompson.,40 Gill Road, $335,000.

BRIMFIELD Brenda L. Dessert to Christine C. Medeiros, 17 East Hill Road, $330,000.

CHICOPEE Aleksandr Tverdokhelbov and Vladimir Tverdokhelbov to Shayne

ERVING

Elizabeth A. Bysiewski, Elizabeth A. Wright and Leigh E. Wright to Lynne M. Paju, 10 Sunrise Ave., $301,000.

Suzy Marie Polucci Estate, Daniel W. Keller, personal representative, to Bryan Michael Mathey, 66 1/2 Mountain Road, $180,000.

Robert G. Allen, Jr. and Robin J. Karlin to Jaimie B. Allen, 175 North Main St., $240,000.

Helen V. Miecznikowski to Peter A. Burakiewicz and Theresa L. Burakiewicz, Mountain Road, $130,000.

EAST LONGMEADOW Donald W. Lomascolo and Mary Lomascolo to C & A Realty Enterprises LLC, 147 Shaker Road, $625,000.

GILL Debra P. Gaines, Gary M. Gaines, Melissa J. Gaines and Donna R. Pula to Gary M. Gaines and Judith Ann Gaines, 9 Myrtle St./2 Myrtle St., $25,000.

GOSHEN

Elizabeth R. Rennell to Sarah Waltsak, 59 Holland Drive, $175,000.

Laurie B. Follit to Tyler Kane, 5 Park Place, $323,000.

Martha Lee St. Amand, trustee, Martha L. St. Amand, trustee, and St. Amand Family Revocable Trust to Bryan Osetek and Sarah Osetek, West Street, $16,500.

GRANBY

EASTHAMPTON Kathleen Weurth, trustee, and Lawrence D. Molloy Nominee Trust to Zachary D. Virgilio, 8 Wendell

Wilmington Savings Fund Society FSB, Christiana Trust, Trustee, Pre-

SEE DEEDS, PAGE F10

Our mortgages shine above the rest.

Pamela J. Morrione and Anthony J. Morrione to Dominic Kirchner II, trustee, and Yabela Realty Trust, trustee, 334 Montcalm St., $200,000.

30 YEAR –

15 YEAR –

3.625% 3.690%

3.125% 3.238%

APR*

Richard Ring and Vanessa Ring to Brandon J. Clark, 154 Skeele St., $179,000.

APR*

Call 413-782-3161 for details

Sandra J. Kaufmann to Richard R. Perreault, 200 Lambert Terrace, Unit 61, $175,000.

Steven J. Goyette to Abigail Ina Arriaga, 47 Westport Drive, $190,000.

Teresa C. Lindsey, representative,

* All rates based on credit score. Rates subject to change. Rate may increase due to loan to value. Loan processing fee of $500 collected at closing. Rate locks good up to 45 days.

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3.000

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3.042

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Frederic Trobaugh, trustee, Elizabeth Trobaugh, trustee, and

Cherie Rodriguez, Cherie A. Rodriguez and Hiram Rodriguez Jr., to Felix L. Santos Jr., 1 Maxine Circle, $220,000.

MORTGAGE GUIDE

Ying Zhang to John R. Copen, 170 East Hadley Road, $126,000.

Yeshi Gyaltsen and Dolkar Gyaltsen to Tashi Youdon, 23 Charles Lane, $150,000.

Ave., $200,000.

DEERFIELD

to Pamelyn Pierre Louis and Philip Pierre Louis, 33 Fuller St., $259,900.

Mohsen Jalali, Ali Khajeh Saeed and Parinaz Meysami to John J. Hennessy, 242 North East St., and 26 North East Terrace, $188,000.

Word D. Peake and Janet R. Daisley to Catherine K. Seldin, 32 Woodlot Road, $495,000.

Theodore J. Lindsey, estate, and Theodore Joseph Lindsey, estate, to Barbara C. Lindsey-Chamberlain, 23 Mount Royal St., $76,000.

LEGEND: The rate and annual percentage rate (APR) are effective as of the publication date. The APR may increase after consummation and may vary. Payments do not include amounts for taxes and insurance. The fees set forth for each advertisement above may be charged to open the plan (A) Mortgage Banker, (B) Mortgage Broker, (C) Bank, (D) S&L, (E) Credit Union, (BA) indicates Licensed Mortgage Banker, NYS Banking Dept., (BR) indicates Registered Mortgage Broker, NYS Banking Dept., (loans arranged through third parties). “Call for Rates” means actual rates were not available at press time. All rates are quoted on a minimum FICO score of 740. Conventional loans are based on loan amounts of $165,000. Jumbo loans are based on loan amounts of $424,100. Points quoted include discount and/or origination. Lock Days: 30-60. Annual percentage rates (APRs) are based on fully indexed rates for adjustable rate mortgages (ARMs). The APR on your specific loan may differ from the sample used. Fees reflect charges relative to the APR. If your down payment is less than 20% of the home’s value, you will be subject to private mortgage insurance, or PMI. FHA mortgages include both UFMIP and MIP fees based on loan amount of $165,000 with 5% down payment. VA mortgages include funding fees based on loan amount of $165,000 with 5% down payment. The Republican does not guarantee the accuracy of the information appearing above or the availability of rates and fees in this table. All rates, fees and other information are subject to change without notice. The Republican does not own any financial institutions. Some or all of the companies appearing in this table pay a fee to appear in this table. If you are seeking a mortgage in excess of $424,100, recent legislation may enable lenders in certain locations to provide rates that are different from those shown in the table above. Sample Repayment Terms-ex. 360 monthly payments of $5.29 per $1,000 borrowed ex. 180 monthly payments of $7.56 per $1,000 borrowed. We recommend that you contact your lender directly to determine what rates may be available to you. To access the NMLS Consumer Access website, please visit www.nmlsconsumeraccess.org. To appear in this table, or report any inaccuracies call 413-788-1050.

HOME & GARDEN

F10 | SUNDAY, JANUARY 19, 2020

Deeds CONTINUED FROM PAGE F9 tium Mortgage Acquisition Trust and Alta Residential Solutions LLC, attorney-in-fact, to Phillip Braese, 184 Taylor St., $127,000.

Jill A. Kopka to Lawrence H. Humphrey Jr., and Shaina M. Humphrey, Taylor Street, $100,000.

Donald E. McGrath and Lynn M. McGrath to Joshua S. Moynahan, 6 Wood Ave., $210,000.

$230,000.

Freedom Mortgage Corp., to Dominic Kirchner II, trustee, and Coraxe Realty Trust, trustee of, 93-95 Hitchcock St., $98,500.

Kathryn S. Kraus and Patricia A. O’Leary to Abigail Elizabeth Williamson and Kevin Arthur Williamson, 56 Longfellow Road, $290,000.

Mary Yan Xie to Roman Shumeiko and Yuliya Shumeiko, 408 Southampton Road, $215,900.

Nathan Santerre to Francisco L. Rivera, 34 Laurel St., $215,000.

Richard W. Asselin and Michele B. Asselin to James T. Tisdell and Maureen M. Tisdell, 19 Longfellow Van K. Sullivan to Timothy T. Williams. 46 Fairview Street. $165,000 Road, $325,000.

GREENFIELD

Bank of America NA to Easthampton Savings Bank. 208 Federal Street. $450,000 Bryan R. Harvey, Wayne D. Harvey, Lisa B. Harvey-Reber, “aka” Lisa B. Reber, and Elaine J. Sinni to Mark W. Colby and Sandra J. Colby, 57 Overland Road, $226,000.

Tnop Inc., to Holyoke Medical Center Inc., 12 Corser St., $600,000.

HUNTINGTON Lisa M. O’Brien to Brittany Valentine, 27 Russell Road, $150,000.

J. Otten Russell Trust and Russell J. Erin H. Peters and Hassan A. Peters Otten, trustee, to Jordan Blanchard, to Janice E. Gianino, 28 Phillips St., 3 Basket St., $180,000. $210,000.

Wilmington Savings Fund Society FSB, Christiana Trust, trustee, Pretium Mortgage Acquistiion Trust HADLEY and Alta Residential Solutions Ruth M. Klopfer, personal represen- LLC, attorney-in-fact, to Angelia tative, Lorena D. McKinstry, estate, M. Oliveira, 9 Park Ridge Drive, and Alfred W. McKinstry, estate, to $155,000.

Willard A. McKinstry, II and Nicole M. McKinstry, 100 Honey Pot, LEYDEN $100,000.

D. Alden Johnson, David J. Latham and Kenneth C. Latham Jr., to Keith A. Rehbein, North Maple Street, $250,000.

Gwen A. Quinlan and Thomas F. Quinlan Sr., to Thomas F. Quinlan Jr., 1 Maegans Way, $250,000.

HAMPDEN Lucille M. Beck to Michael Beck, Michael C. Beck, Melanie Beck and Melanie Enayda Beck, 50 Mountainview Drive, $270,000.

Michael Craig Beck, Michael C. Beck and Melanie Enayda Beck to Lucille M. Beck, 61 Sessions Drive, $170,000.

HOLLAND David F. Dwyer to Kevin L. Tighe and Deborah Park, 93 Wales Road, $262,000.

Jennifer A. Paris to Elizabeth A. Wright and Leigh E. Wright, 155 Mid-County Road/Old County Road, $295,000.

LONGMEADOW Jane H. Griggs and John E. Griggs to Joseph Ford, 106 Englewood Road, $625,000.

Witchwood Realty LLC, to Sharon Connor and Andrew Cimino, 50 Meadow Road, $190,000.

Gail A. Sanderson to Richard Klisiewicz, Main Street, $1,000.

MONTAGUE Southworth Co., “aka” Southworth Transactional Co II, Inc., to Milton Hilton, LLC, 36 Canal Road, $679,087.24.

William Ahlemeyer and Jacqueline M. Ahlemeyer to Zachary Wright and Alexxis Young, 11 Bridge St./27 Bridge St./Bridge Street, $232,000.

MONTGOMERY Amal Al-Ryati to Daniel J. Nangle and Jessica L. Nangle, 7 Pineridge Drive, $300,000.

NEW SALEM Richard Oliver and Lori Jo Oliver to Alex Acosta and Sarah Pease, 48 West Street, $123,000.

NORTHAMPTON Dyson & Webb LLC, to JKLUSS LLC, 28 Pleasant St., $450,000.

Caroline E. Raisler, Isobel A. McMahon and David A. McMahon to Justin Smith, 9 Wright Ave., $380,000.

Judith K. Shaffer to Ruth E. Morgan, 20 Pomeroy Terrace, $100.

Castle Pines LLC, to 344 King Street LLC, 330 King St., and 344 King St., $1,900,000.

Joseph R. Salvatore and Joann H. Salvatore to Christian Smith, 69 Cherry St., $165,000.

NORTHFIELD Mitchell Aggregate LLC, to Mitchell Materials LLC, Mount Hermon Station Road, $417,612.38.

ORANGE LUDLOW Alivio Alves, Geraldine Alves and Jason Robertson to Cynthia C. Long, 665 Center St., Unit 607, $181,000.

Miller Gap Llc to Gary G Decoteau, Center St, $55,000.

Dennis A Chipps (SR &O) and Thomas A Parent and Nancy A Karen M Chipps to John J Folger, 37 Parent to Joseph W Robinson (JR), Kimball Hill Rd, $274,000.

150 Cady St, $269,900.

John Folger and Virginia Folger to David N. Scaramangos and MONROE Jessica L. Folger, 90 Stafford Road, $183,000.

Paul Herber to RMJ Ranch LLC, Gore Road, $15,000.

HOLYOKE

Donald J. Mann Jr., and Emily A. Mann to Nicholas J. Felton and Becca L. Felton, 17 Vassar Circle,

Garreffa to Nicholas E. Smart, 48 Main St., $263,000.

MONSON Daniel J. Finnegan and Lewis T.

Robyn Leonard Busby, “aka” Robyn M. Leonard, and Lisa M. Richardson to Erika L. Gleason, 231 West River St., $157,500.

Elizabeth A. Nichols and Curtis R. Nichols to Kurt M. Moisan. 286­288 Butterworth Road. $185,000.

PALMER Christian J. Meyer and Jean E. Meyer to Michael J. Morassi and Leila Morassi, 2093 Calkins Road, $279,900.

Karen King, representative, and Gordon H. Christiansen, estate, to Anthony Marra, Thompson Street, $17,500.

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Joseph Burns, Joseph R. Burns and Carol A. Burns to Maksim ZinchenPeoples United Bank NA, trustee, ko and Holly M. Pagano, 1 Kline and Robert B. Price Revocable Trust Road, $325,000. to Julio Xavier Raagas Mallonga Pramod Sarraf and Bandana Sarraf and Brittany Evelyn Hatch Mallon- to David B. Stratos and Joanne ga, 132 Harkness Road, $375,000.

M. Stratos, 37 Deer Run Road,

PELHAM

$470,000.

SHELBURNE SPRINGFIELD Rodney W. Willis and Laura J. Willis to Dakota W. Willis, 107 Fiske Mill Alba N. Gomez and Caleb J. Gomez Road, $289,000. to Brian Santiago and Esther M. Santiago, 28 Drumlin Road, $234,000.

SOUTH HADLEY Jennifer Exware and Jennifer Saltis to Jeremy Saltis, Cynthia Saltis and Cheade Dib, 14 North St., $192,500.

Adam F. Jajko, Danielle M. Jajko and Danielle Moynihan Jajko to Jennie Lamothe and Reggie L. Lamothe, 152 Lathrop St., $253,900.

Luis Builders Inc., to David R. Barrett and Karen M. Barrett, 4 Ethan Circle, $100.

Christine M. Wilda and Donald J. Wilda to Adam F. Jajko, Danielle Moynihan Jajko and Adam Frederick Jajko, 20 Valley View Drive, $590,000.

Luis Builders Inc., to Andre D. Rousseau, 6 Ethan Circle, $481,200.

Stephen P. Lambert to Stephen P. Lambert and Amanda Johnson, 7 Joan St., $100.

Bradley F. Podliska to Anthony Barstow and Heather Barstow, 11 Bunker Hill, $224,000.

Andrew J. Crane, Jennifer Ann Skorka and Bryan Manijak to Phylis Muthee, 313 Orange St., $190,000.

Angelina Geoffroy, Angelina Barbarisi and Christopher R. Geoffroy to Joseph W. Powers, 274 Cooper St., $185,000.

Barbara A. O’Connor to Francisco Flores and Norberto Plaza Pagan, 881 St James Ave., $155,500.

Brenda M. Brenes and Brenda M. Lugo to Haydee L. Arce and Luis R. Arce, 245 Bolton St., $253,000.

Brital1987 LLC, to Ashley M. Fisher, 86 Gralia Drive, $194,000.

Carmelo Loran Jr., and Carmelo Loran to Shigen Zhu, 54 Porter St., $100,000.

Cedar Investment Group LLC, receiver, Springfield City Code Enforcement Housing and Jose Viera to Cedar Investment Group LLC, 12-14 Kendall Ave., $229,000.

Charles Rothus Jr., to Laura G. Chavez, 1727 Carew St., $147,000.

Cynthia C. Long to Richard J. Cebu- Colin T. McNally and Emily McNally to Cherie Anne Rodriguez, 84 la Jr., 132 Brainerd St., $325,000.

Donbray Road, $202,000.

Gail Pelland and Gail E. Pelland David V. Nietupski to Paul Rotto Maryalyce Dudek, 6 Saybrook tenberg and Lori Rottenberg, 235 Circle, $190,000.

State St., Unit 325, $145,000.

SOUTHAMPTON Arthur L. Peters and Rita S. Peters to Mark D. Peters and David M. Peters, 103 Strong Road, $100.

Mark Hardy, Laura E. Hardy and Laura E. Riccio to Benjamin C. Gillespie and Kirsten E. Gillespie, 153 Pomeroy Meadow Road, $303,000.

Laura A. Pompei and Laura A. Facteau to Casey L. Ostrowski and Patrick O. Guy, 11 Helen Drive, $263,000.

SOUTHWICK Daniel W. Szenda and Anne S. Diebold to Jonathan M. Schantz and Caitlin Schantz, 1 Wintergreen Circle, $420,000.

Jonathan M. Schantz, Caitlin M. Schantz and Caitlin M. Joyce to Taras Mikhalinchik and Natalia Stepchuk, 13 Charles Johnson Road, $319,900.

Edgardo A. Arroyo Marcano to Lauren R. Pankiw, 299 Forest Hills Road, $222,000.

Laguercia Family Limited Partnership and David E. Laguercia to Greatley Realty LLC, Bay Street, $450,000.

Gail A. Castle to Lucas Feliu and Elizabeth Mercedes De Feliu, 9395 College St., $125,000.

George Johnson and Helen Johnson to Mishel M. Rivera-Carrillo, 162 Mallowhill Road, $195,000.

Jacob A. Saleh to Kimberly Rios, 24-26 Jenness St., $193,000.

James T. Lawson and Kathleen I. Lawson to Carolina Figueroa, 51 Wachusett St., $203,000.

Jason Libian to Linda J. Carney, 81 Phoenix Terrace, $138,000.

Judith A. Hourihan and Imothy J. Hourihan to Tyrone L. Lewis, 27-29 Palmyra St., $219,999.

Kevin Nguyen and Tovan Nguyen

SEE DEEDS, PAGE F11

THE REPUBLICAN | MASSLIVE.COM

Deeds CONTINUED FROM PAGE F10 to Dean Foster-Bryan, 62 Sorrento St., $165,000.

Kibbe House Restoration LLC, to McKnight Community Development Corp., 1030 Worthington St., $100.

No Place Like Home Properties LLC, to Rachel L. Dion, 47 Glenmore St., $180,000.

Madelyn D. Mendez to Marangely Martinez, 2239 Page Boulevard, $162,000.

Margaret A. McCarthy, representative, and Maureen C. McCarthy, estate, to Mark Warden and Kristina Warden, 43 Sherbrooke St., $145,000.

Michael A. Gardner Sr., and Janet Gardner to Cheyenne Marie Janas, 31-33 Price St., $245,000.

Olga Ortiz-Maldonado and Santa F. Ortiz to Deutsche Bank National Trust Co., trustee, and Novastar Mortgage Funding Trust Series 2007-1, trustee of, 31-33 Hunt St., $145,000.

HOME & GARDEN

$245,000.

U S Bank, trustee, and RMAC Trust Series 2016-CTT, trustee of, to Erika Flores, 61 R Tyler St., $39,000.

Ursula I. Lazarz and Casimir A. Lazarz to Leonard Yakir, 45-47 Devens St., $236,500.

Valerie Singh to Jose Orlando Reyes Santiago, 336 Eastern Ave., $100.

WARE Dean G. Miner and Crystal P. Koziol to David B. Collins and Maureen A. Collins, 116 Gilbertville Road, $225,000.

EDN Enterprises LLC, to Ryan Robert Sullivan and Stacy Lee Sullivan, 14 Walnut St., $173,000.

Douglas Bramble, personal representative, and Mary J. Bramble,

Tamburrini Real Estate Co Inc. to Massachusetts Audubon Society Inc., Orange Road, $145,000.

WEST SPRINGFIELD Charles A. Pignatare and Dagmar Pignatare to Sergey Tokarev and Victoria Tokarev, 2385-2401 Westfield St., $356,000.

Dennis Bazukin and Lyudmilla Bazukin to Devi M. Sarki, 53 Hill St., $291,000.

SUNDAY, JANUARY 19, 2020 | F11

$156,387.

Patricia Gorman, Patricia A. Cooley and Mark K. Gorman to Tatyana Yuryevna Cherykau and Vera Cherykava, 15-17 Herman St., $252,000.

Ralph Donald Liebro to Marco Basile, 14 Chester St., $200,000.

U S Bank, trustee, and GMAT Legal Title Trust 2013-1, trustee, to Walide Soufane, 57 Bonair Ave., $165,288.

Walter R. Tucker and Linda J. TuckHans A. Doup, representative, Carol er to Michael Kelleher, 1304 Elm B. Beaver, estate, and Carol Beth St., Unit 1B, $65,000.

Beaver, estate, to Adam Isaac ShalWilliam H. Lheureux to Betty J. loo, 62 Ohio Ave., $350,000.

Byrd, 80 Brush Hill Ave., Unit 12, Helen S. Kitchell and Ali B. Kitchell $87,000. to Konstantin P. Khodunov, Konstanton Khodunov and Leah G. Khodunov, 76 Squire Drive, WESTFIELD $212,000.

Daniel J. Nangle, Jessica L. Nangle

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Randall R. Jarry, Tammy A Jarry and Tammy A. Cassidy to Kareem L. White, 102 Fieldston St., $121,000.

Remo Pizzichemi and Virginia Pizzichemi to Yadira J. Jimenez-Tejada and Edward P. Velazquez-Gonzalez, 51 Whittier St., $141,000.

Reynaldo D. Rodriguez to Grace Ann Muir, 22-24 Decatur St., $231,000.

Richard A. Turnberg and Gayle J. Turnberg to Stacey L. Coleman, 115 Jamestown Drive, $185,000.

Robert Murphy and Ryan Murphy to Carmen M. Nieves, 25 Amore Road, $168,000.

Ryan J. Kelly and Heidi M. Kelly to Justin M. Mestre, 87 Somerset St.,

Device CONTINUED FROM PAGE F4

another piece of information beyond a password. Often it’s a randomly generated code.

After some reports of login information being exposed on the Ring doorbell device, more than 3,000 users were urged by Ring to change their passwords and use two-factor authentication.

That followed reports of both police and hackers gaining access to Ring video footage.

Rader said ADT’s doorbell video product also uses

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bankatpeoples.com/mortgage

estate, to Russell Prouty, 154 Upper Church St., $137,500.

WARWICK

two-factor authentication, but consumers must choose that option when setting up the product.

“Pay attention and go the extra step,” he said.

Consumers should know that ADT has no access to a customer’s doorbell video, Rader said. Police could only have access with a subpoena, he added.

Azarderakhsh said while two-factor authentication is better that just a password, consumers have to keep using the two factors to be effective.

He said a preferable way to thwart hacking is to disconnect your smart-home devices from

Member FDIC / Member DIF

Katherine M. Pires to U S Bank, trustee, and Wachovia Mortgage Loan Trust Series 2006-AMN1, trustee of, 94 Riverdale St.,

your internet network when not in use.

and Jessica L. Merati to Ashley Marshall and Sean Major, 175 Pontoosic Road, $284,900.

Ewa Celatka, Ewa Warzynska and

Check other devices Rader operates his Roomba Manage listening through ADT’s app, which he Much has been written about says provides a “higher-level” the Alexa device’s recording of security, but he said the rocapabilities. Is Alexa listening botic vacuum doesn’t have to to you? Yes, because that’s how be connected to the internet to operate. the device works.

To turn off the Wi-Fi on But Alexa’s recordings and Roomba, do a “reset” by deinformation requests can be pressing all three buttons on deleted, Rader said. the vacuum cleaner — clean, Here are Amazon’s instructions: Go to “Manage Your spot clean and home — at Alexa Data”on the app. Then to once and holding them down “automatically delete recorduntil you hear a tone, accordings,” where you can select ing to owner iRobot. “off.” Then choose a time periThe smart TV you may have od to keep your voice recordbought over the holidays also ings and select “confirm.” can connect to the internet,

Robert J. Celatka to Dmitriy Mayboroda and Veronika Mayboroda, 132 Holyoke Road, $230,000.

Gary M. Weiner, trustee, and Hanibal C. Tayeh to Christopher M. Sarat, 77 Gary Drive, $580,000.

Lynn E. Bannon, representative, and Barbara J. Bannon, estate, to Daniel Szenda, 68 Mountain View St., $180,000.

Michael W. Monahan and Linda A. Monahan to Tracy S. Proper and Kimberly A. Constance, 66 Janis Road, $265,000.

Richard G. Witherell and Caryn M. Witherell to Nicholas G. Renschler and Amanda E. Renschler, 1199 East Mountain Road, $415,000.

Susan Coffey, representative, and Michael D. Coffey, estate, to Meaghan C. Serafin, 39 Glenwood Drive, $255,000.

WILBRAHAM Karen J. Amato, Anthony D. Amato Jr., (JR & O), Darlene M Mack, Anthony D Mack and Lucille J Amato to Paul R Samson and Diane M Samson, 16 Spruce Dr, $285,900.

Leslie A. Walker, John J. Ferri, Mark A. Ferri, Lynn F. Lavelle and Clarice F. Baker to Anthony Amato Sr., and Karen J. Amato, 66 High Pine Circle, $376,966.

Sharon J. Lee to Joseph M. Roberts, 404 Mountain Road, $50,000.

WILLIAMSBURG Debra L. Turner to Diane B. Karowski and Richard Karowski, 47 Old Goshen Road, $100,000.

WORTHINGTON Linda E. Marshall to Anne M. Dickinson, 152 Witt Hill Road, $100,000.

which allows streaming services such as Netflix.

But smart TVs may have microphones that allow users to change the channel by voice and turn up the volume, and some have built-in cameras used for facial recognition to suggest programming, according to a recent FBI public service announcement.

“As we bring more and more technology into our homes, we need to be aware of its capabilities, its limitations, and some basic questions people should ask relative to its presence in their lives,” said Beth Ann Steele, a public information officer for the FBI.

F12 | SUNDAY, JANUARY 19, 2020

Equity CONTINUED FROM PAGE F7

Housing Program, which is also known as the Section 523 program. This program provides grants to nonprofit organizations to help them supervise groups of low-income families to work on each other’s homes, according to Bruce Lammers, administrator of the USDA Rural Housing Service in Washington, D.C. “The self-help applicants work together in groups of four to 12 families on each other’s homes in rural communities and small towns, and typically receive a direct loan from USDA,” Lammers wrote in an email. “The USDA direct loan offers a reduced mortgage payment with as low as an effective 1% interest rate. There is no cash down payment required and some closing costs can be financed as well.”

The self-help applicants must qualify for the mortgage to demonstrate they can afford to repay the loan and must earn 80% or less of area median income for their family size.

They must complete 65% of the labor required to build the houses in the group until all are completed, Lammers wrote.

In some cases, an older home can be rehabilitated with this program.

In Milford, Delaware, for example, the Milford Housing Development Corp. has been working with churches and civic groups for 20 years to help families build or renovate houses. While the maximum income allowed for their programs is 80% of area median income, Russell Huxtable, vice president and chief operating officer of the Milford Housing Development Corp., says most participants earn 50% of area median income.

“The borrowers get credit counseling and financial literacy training to make sure they can repay the loan,” Huxtable says. “We work with the applicants to meet USDA standards, which means they can’t have two late mortgage or rent payments in the last two years, an IRS lien or a foreclosure in the past 36 months. We try to incorporate the closing costs into the sweat equity, too, so we

HOME & GARDEN

THE REPUBLICAN | MASSLIVE.COM

“A major misconception about Habitat for Humanity is that it’s a low-income giveaway home program. We’re actually a general contractor and a lending institution. We’re regulated by the federal government like any other lender.”

REV. JOHN SMOOT, HABITAT FOR HUMANITY OF NORTHERN VIRGINIA EXECUTIVE DIRECTOR

applicants must complete 50 hours of sweat equity before they begin the intensive financial counseling program, says Smoot, then another 350 hours of sweat equity are required.

“Many of our applicants are working two or three jobs, so we give them lots of ways they can do their hours,” Smoot says. “Some of them swing hammers, but they can also help us with customer service, work in the office or work in the ReStore. You don’t have to be skilled to do this, but you do have to be somewhat able-bodied to work on a house.”

Nonprofit organizations like Habitat for Humanity and the Milford Housing Development Corp. have supervisors who Volunteers work on a home being built by Habitat for Humanity in Alexandria, Va. provide on-site training and (SALWAN GEORGES / WASHINGTON POST) guidance for volunteers. lender can demonstrate that renovations, too.” can reduce their cash needs.”

“The volunteers don’t do the mortgage is part of the To qualify, families apply Huxtable says the loans things like the foundation, elecHomeReady program and the trical or plumbing work, but through the Habitat for Huand family circumstances are lending program is managed by they can do framing, sheathing, reviewed every two years after manity website. The families a strong, experienced nonprof- insulation, painting, trim work the closing and sometimes bor- are filtered, prioritizing those rowers’ payments increase if it organization, according to and put in cabinets,” Huxtable who live in unsafe, distressed, their income can accommodate overcrowded or inadequate Fannie Mae’s lender servicing says. “The labor savings are it to repay some of the govern- housing, Smoot says. guide. When sweat equity is significant.” ment subsidy of their loan. accepted, borrowers must The Milford program’s group “We meet with the families concept — no one can move in “This is great option for also contribute at least 3% of and make sure we can keep until everyone’s house is finpeople here because otherwise their housing payment at a the purchase price from their ished — is like an Amish barn they wouldn’t be able to own a maximum of 32% of their own funds. For example, on raising, Huxtable says. home,” Huxtable says. “Most of income to make sure they’ll a one-unit property financed “There’s a shortage of housour participants are single-fewith a HomeReady loan, a 5% be successful homeowners,” male heads of household with Smoot says. down payment is required, 2% ing and it’s hard for people to kids, with an average income of which may come from sweat save for a down payment, so a The applicants have two of $30,000. The median sales 30-year mortgages with zero sweat equity program can help equity. price of homes in this area is renovate this country’s aging interest, he says, and Habitat $300,000, so they would never for Humanity has the first right Unexpected training housing stock and help people An unexpected benefit to be able to afford that on their achieve their homeownership of refusal if they want to sell in sweat equity, says Ayaribire, is goals,” Gardner says. “The own.” the future. the training she received.

Most of the families Habitat challenge is familiarizing “If the borrowers stay in the “I had never done anything for Humanity in Northern everyone with the concept and house for 30 years, they own it Virginia serve earn between matching people who have the free and clear, but if they sell it like it, but we helped with the 50 and 80% of area median earlier, then they get back what construction, painting and put- ability to do some of their own work with the right project and income, Smoot says. they paid and share the equity,” ting in flooring and I loved it,” loan.” she says. “I want to volunteer “We work with for-profit Smoot says. “If they sell in Several sweat equity proand do more even though my developers to carve out a few year one, 100% of the proceeds would go to Habitat for grams can’t be contacted house is finished.” homes for our families from directly. To find one, search for Humanity, so we avoid anyone Ayaribire also appreciated their portfolios and look for local nonprofit organizations trying to flip a house. But we the financial counseling she public land, but there’s very that offer housing assistance have very little turnover.” received to help her develop a little available in Alexandria and ask local lenders if they Fannie Mae allows sweat budget and find ways to save and Arlington,” Smoot says. can help you with a USDA, equity to be an acceptable that would make it easier for “We build condos and townhouses as well as single-family source of funds for its HomHome Possible or Home Ready her to afford her home. eReady mortgage loans if the mortgage. homes and do some complete At Habitat for Humanity,

HOME & GARDEN

SUNDAY, JANUARY 19, 2020 | F13

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THE REPUBLICAN | MASSLIVE.COM

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THE REPUBLICAN | MASSLIVE.COM

F14 | SUNDAY, JANUARY 19, 2020

Auctions

Best local auctions in print and online at masslive.com

Real estate for sale

All real estate advertising in this newspaper is subject to the Federal Fair Housing Amendments Act and Massachusetts Labor and Industries Law, which make it illegal to advertise any preference, limitations or discrimination based on race, color, religion, sex, national origin, handicap, familial status, sexual orientation which shall not include persons whose sexual orientation involves minor children as the sex object, genetic information, ancestry, children, marital status, or public assistance recipiency, or an intention to make any such preference, limitation or discrimination. Familial status includes children under the age of 18 living with parents or legal custodians, pregnant women and people securing custody of children under 18.

Wanted Real Estate

You never know ow what you'll find d inside.

A Best Cash offer! Any type of property, circumstance, condition, location.

Call Fran 413-244-2807

All real estate advertising in this newspaper is subject to the Federal Fair Housing Amendments Act and Massachusetts Labor and Industries Law, which make it illegal to advertise any preference, limitations or discrimination based on race, color, religion, sex, national origin, handicap, familial status, sexual orientation which shall not include persons whose sexual orientation involves minor children as the sex object, genetic information, ancestry, children, marital status, or public assistance recipiency, or an intention to make any such preference, limitation or discrimination. Familial status includes children under the age of 18 living with parents or legal custodians, pregnant women and people securing custody of children under 18.

This newspaper will not knowingly accept any advertising for real estate which is in violation of the law. To report discrimination, call the Office of Fair Housing and Equal Opportunity of the U.S. Department of Housing and Urban Development (HUD) at 1-800-6699777.

The HUD TTY telephone number for the hearing impaired is 212-708-1455.

Apartments/Condos, Unfurnished

0-1-2 BEDROOM AGAWAM FREE HEAT & UTILS No pets. 413-786-6323

CALL THE PROS Professional Service Directory in Print and Online

MORTGAGEE’S SALE OF REAL ESTATE AT PUBLIC AUCTION HELD ON THE PREMISES

Place your service ad 24/7. Call (413) 788-1234 or go to: www.MassLive.com Ceiling/Drywall

CRANE Ceilings & Walls Restoration Specialist!

Veneer plaster systems All drywall finishes.

Stucco repair Family owned and operated since 1960 Call Don (413)949-1269

Masonry/Concrete

Trash Removal

ABC Masonry & Basement Waterproofing STOP ALL WATER LEAKAGE Brick, block, stone, stucco, concrete, chimneys, foundations, hatchways, New & repair.

Basement windows, sump pumps, and damp proofing. Lic 120263 569-1611 or 413-374-5377

AAA Call - We Haul We Take it all

TUESDAY, JANUARY 21, 2020 10 AM 108 Shawmut St, Springfield, MA 12 PM 210 Peekskill Ave, Springfield, MA

junk & trash removal, appl. demo, closings, attics, bsmt. V/MC/CK. Free est.

Ins. 10% Discount w/AD

THURSDAY, JANUARY 23, 2020

WE LOADED IT ALL

10 AM 1-3 Bourne St, Palmer (Three Rivers), MA

CALL 1-413-531-1936

FRIDAY, JANUARY 24, 2020 3 PM 60 Braddock St, Springfield, MA

Tag Sales Tag Sales

AGAWAM TAG SALE, 431 Springfield St. Sat-Sun 9-3; Jan 18-19th; S.S jewerly, furn. odds/ ends, Seth Thomas Clock, Mink coat, artwork, Young BB King poster

AUCTION FRIDAY, JANUARY 24, AT 6 P.M. FURNITURE - A quantity of early American furniture including Queen Anne curly maple highboy, several deacon’s benches, Jacobean style table with 8 leather seat chairs, and more.

ART - S.G. Maniatty, William Lester Stevens, and 100 American and European paintings.

WILLIAM BLAKE & CO., BOSTON, MASS. 1872 BELL MARKED 613 18 18’ OLD TOWN CANOE #117231 JEWELRY - diamonds, gold, silver in bracelets, rings, pins and necklaces.

SILVER - 70 pcs. Lunt “Mount Vernon”, 77 pcs. Lunt “William & Mary”, 69 pcs. Lunt “William & Mary”, 57 pcs. Lunt “William & Mary”, 62 pcs. International “Minuet”, 150 pcs. Whiting/Gorham “Louis XV”, sterling Georgian platters, Randahl tray, meat domes, and more.

GLASS & CHINA - Royal Doulton “Burgundy” dinner service, Royal Worcester, Lalique, Imari, Rose Medallion, and more.

ACCESSORIES - Boston & Maine locomotive front headlight for engine #3654, pair of Boston & Maine station chairs, Boston & Lowell railroad chair, gold coins, gilt over the mantel mirror, “opera” toy theater surround, Steiff animals, Wurlitzer piano (168556) in art deco case with bench, Howard clock, tall clock, banjo clock, teddy bears, hearth items, chandelier, snowshoes, oriental rugs, canopy doll bed, Dutch wall clock, silk needlework shawl, stoneware, redware, snuff boxes, and more.

(Preview 3-6 P.M. or view showcase online) www.DouglasAuctioneers.com

MORTGAGEE’S SALE OF REAL ESTATE AT PUBLIC AUCTION

Tuesday, January 21, 2020 12:00 PM-SPRINGFIELD 157 Navajo Road sgl fam, 1,008 sf liv area, 0.33 ac lot, 5 rm, 3 bdrm, 1.5 bth, Hampden: Bk 16143, Pg 501

2:00 PM-EAST LONGMEADOW 5 Michel Street

Friday, January 24, 2020 12:00 PM-SPRINGFIELD

A1 SPACE AVAILABLE 500-8000sf Lt Manuf Whse, Office, Art space.

Indian Orch Mills 543-3321

BELAIR INN - EFFIC WEEKLY RATES stove, 60 channel TV, phone, cable, Rte. 5, West Spfld. 413-781-7825

Terms of Sale: Present a $5000 deposit, certified check, or Cashier’s Check at the time of auction sale. The balance shall be paid 30 days from the date of sale. Other terms may be announced at sale. Auctioneer makes no representations as to the accuracy of the information contained herein.

T. Gravlin - MA License AU 3112 NO CASH PLEASE.

sgl fam, 962 sf liv area, 0.41 ac lot, 5 rm, 3 bdrm, 1 bth, Hampden: Bk 17465, Pg 476

Business/ Commercial Property

Rooms Without Board

info@towneauction.com / 781.790.7870 www.towneauction.com

3128708-01

This newspaper will not knowingly accept any advertising for real estate which is in violation of the law.

To report discrimination, call the Office of Fair Housing and Equal Opportunity of the U.S. Department of Housing and Urban Development (HUD) at 1800-669-9777. The HUD TTY telephone number for the hearing impaired is 212-708-1455.

Real estate for rent

Dogs

Animals Birds Cats Dogs Exotic Animals Feed Fish Horses Livestock Pet Services Pet Shows Pet Supplies Pets - Lost & Found Pets Wanted

AKC English Lab Puppies, Chunky block head 2 fem choc, 1male blk $500 ea taking dep. 413-695-1809.

AKC GOLDEN RETRIEVERS puppies (8) $2,000 w/papers $1500 without papers. Call 413-221-9818 AKC REG CHOC LABRADOR RETRIEVERS $1850; (2) M/F. Call (607)237-7342 AKC YORKIES Standard Female $1000 Standard Male $900 Ready for Xmas Call (413)883-2592 Beautiful German Shepherd pup (14 wks), female, AKC Reg. $1200 Text (413) 426-1868

Cats

3 Tiger Kittens, 2 months old, Fluffy, 1 grey, to good home. Adoption fee $100. 413-356-4064

PLAYFUL KITTEN Male - 2 mths old.

Asking $65.00.

Call 413-883-5181

Dogs

2 MALE PUG PUPPIES Black/Fawn $1,000/each Call (413)309-9253

CHAMPION GERMAN SHEPHERD puppies for sale, $2500: (4) Ready for Christmas (413)726-4709 CHIHUAHUA Boston Terrier mixed pups, shots/ wormed Male/Female $350ea. (413)354-0886 ENGLISH BULL DOG PUPPY, up dates shots, dewormed, Vet cert. 1 yrs genetics health guarantee. $1900; (413)579-7186 German Shepherd pups, champion Czeck bloodlines, 3M, 2F, $800 (413) 218-2321

52 Stockman Street a/k/a 52-54 Stockman St

Dogs

GOLDEN RETRIEVER (2/F) puppies, Breeding Love for more than 30 yrs. Ready Now! 1/20/20 $1500. 413-367-2405 pm Golden Retrievers $650.

2 females, & 1 Male 1st shots and dewormed.

Call 802-895-2784 GOLDEN RETRIEVERS Male, Female, (4) asking $800; taking deposits.

Call 413-627-6386 LABRADOR German shepherd hybrid pups, 8wks; shots, $500/ea. Male/ Female (3) (413)752-4209 Olde English Bulldog Pups 8wks dewormed shots many colors. Reg. ioeba, 1 m/f , $850. 413-258-3417 Rottweiler Puppies 4, ready NOW, $1,000 each.

Call 413-589-0314 SIBERIAN HUSKIES FOR SALE - 3 Males First shots and dewormed, 650each. call 802-895-2784

Exotic Animals

SUGAR GLIDER Baby yearling, (1) $50.

413-259-5351

2 fam, 2,246 sf liv area, 0.11 ac lot, 10 rm, 4 bdrm, 2 bth, Hampden: Bk 16382, Pg 225

1:00 PM-LONGMEADOW 11 Harwich Road sgl fam, 2,289 sf liv area, 0.18 ac lot, 8 rm, 4 bdrm, 2.5 bth, fpl, Hampden: Bk 18112, Pg 97 TERMS: $5,000 cash or certified check at the time and place of the sale. The balance to be paid within thirty (30) days at the law offices of Korde & Associates, P.C. 900 Chelmsford Street, Suite 3102, Lowell, MA 01851, Attorney for the Mortgagee.

Auctioneer makes no representation as to the accuracy of the information contained herein.

BAY STATE AUCTION CO, INC. NORTH CHELMSFORD (978) 251-1150 www.baystateauction.com MAAU#: 2624, 2959, 3039, 2573, 2828, 116, 2526, 2484, 3246, 2919

SUNDAY, JANUARY 19, 2020 | F15

THE REPUBLICAN | MASSLIVE.COM

Auctions

Best local auctions in print and online at masslive.com

Live Onsite & Webcast PUBLIC AUCTION

Live Onsite & Webcast PUBLIC AUCTION

FRIDAY, FEBRUARY 7 at 11:00 A.M.

THURSDAY, JANUARY 23RD AT 11:00 A.M.

THURSDAY, FEBRUARY 6TH AT 10:00 A.M.

MORTGAGEE’S SALE OF REAL ESTATE

OWNER’S SALE

(2) MORTGAGEE’S SALES OF REAL ESTATE & SECURED PARTY SALE OF PERSONAL PROPERTY

• LUDLOW •

• ±220,000.00 COST INVENTORY •

AUTOMOTIVE PARTS STORE

6 ROOM / 3 BEDROOM 1 ½ STORY

• CARPETING • HARDWOOD FLOORING • • VINYL FLOORING • TILE • • FORKLIFT • SUPPORT EQUIPMENT • • TENTS • (2) BOUNCE HOUSES •

1195 MONTGOMERY STREET

CHICOPEE MA

TO BE SOLD ON THE PREMISES AND BY LIVE INTERNET BIDDING

★

LIVE ONSITE & LIVE ONLINE BIDDING ★ AVAILABLE AT WWW.BIDSPOTTER.COM SEND FOR DESCRIPTIVE PICTURED BROCHURE or VISIT our WEB SITE at WWW.POSNIK.COM

SALE PER ORDER OF OWNER • BUILDING HAS BEEN LEASED • MUST VACATE • TERMS OF SALE: 25% DEPOSIT CASH OR CERTIFIED CHECK 15% BUYERS PREMIUM APPLIES ON ALL ONSITE PURCHASES 18% BUYERS PREMIUM APPLIES ON ALL ONLINE PURCHASES OTHER TERMS TO BE ANNOUNCED AT TIME OF SALE INSPECTIONS: WEDNESDAY, JANUARY 22ND – 10:00 A.M. TO 4:00 P.M. & MORNING OF SALE – 8:30 A.M. TO 11:00 A.M. ★ SNOW DATE: FRIDAY, JANUARY 24TH – CHECK WITH AUCTIONEER’S OFFICE

Aaron Posnik A U C T I O N E E R S • A P P R A I S E R S

West Springfield, MA • Philadelphia, PA 413-733-5238 • 610-853-6655 MA Auc. Lic #161 • PA Auc. Lic. #AY000241L www.posnik.com • E-Mail:info@posnik.com

PUBLIC AUCTION TH

• NATIONAL BRAND AUTO PARTS INVENTORY • • FORKLIFT • TRAILERS • • (200) SECTIONS STEEL SHELVING • TOOLS • • SUPPORT & OFFICE EQUIPMENT • TO BE SOLD ON THE PREMISES AND BY LIVE INTERNET BIDDING

CAPE STYLE HOME

• REAL ESTATE •

To be Sold on the Premises

• COMMERCIAL BUILDINGS • LAND • CHICOPEE AUTOMOTIVE WAREHOUSE, INC. AND/OR PERRY’S AUTO PARTS & EQUIPMENT CO., INC. TO BE SOLD ON THE PREMISES AT EACH LOCATION

365-367 CHICOPEE ST. CHICOPEE, MA

363 CHICOPEE ST. CHICOPEE, MA

SEND FOR DESCRIPTIVE PICTURED BROCHURE OR VISIT OUR WEBSITE AT WWW.POSNIK.COM SALE PER ORDER OF MORTGAGEE & SECURED PARTY EDWARD V. SABELLA, ESQ. AND L. ALEXANDRA HOGAN, ESQ. OF THE FIRM OF SABELLA HOGAN, P.C., 1350 MAIN STREET, SPRINGFIELD, MA

ATTORNEYS FOR MORTGAGEE & SECURED PARTY TERMS OF SALE REAL ESTATE: $15,000.00 INITIAL DEPOSIT PER PARCEL BY BANK, CASHIER’S OR CERTIFIED CHECK 5% BUYERS PREMIUM APPLIES DEPOSITS TO BE INCREASED TO 10% OF PURCHASE PRICE WITHIN 5 BUSINESS DAYS. PERSONAL PROPERTY: ENTIRETY: $10,000.00 DEPOSIT CASH OR CERTIFIED CHECK INDIVIDUAL LOTS: 25% DEPOSIT CASH OR CERTIFIED CHECK 10% BUYERS PREMIUM APPLIES ON ALL ONSITE PURCHASES 13% BUYERS PREMIUM APPLIES ON ALL ONLINE PURCHASES OTHER TERMS TO BE ANNOUNCED AT TIME OF SALE INSPECTIONS: SATURDAY, JANUARY 25TH – 10:00 A.M. TO 2:00 P.M. WEDNESDAY, FEBRUARY 5TH – 10:00 A.M. TO 4:00 P.M. & MORNING OF SALE – 8:00 A.M. TO 10:00 A.M. ★SNOW DATE: FRIDAY, FEBRUARY 7TH – CHECK WITH AUCTIONEER’S OFFICE

Aaron Posnik

“CLOSE PROXIMITY TO SHOPPING, SCHOOLS & PARKS” 125 Simonds Street LUDLOW, MA.

Features: • 1 ½ Story Cape Style Home • ± 1/3 Acre of Land • • Total of (6) Rooms w/ (3) Bedrooms & (2 ½) Baths • • ±2,280 S/F of Gross Living Area • Fireplace • • Central Air Conditioning • Covered Front Entry • • Porch/Patio • Vinyl Siding• Fenced In-Ground Pool • ★ Two Car Attached Garage ★ Sale Per Order of Mortgagee Attorney Gregory M. Schmidt

Terms of Sale: $5,000.00 Deposit Cash or Certified Funds.

Deposit to be Increased Doherty, Wallace, Pillsbury & Murphy, P.C. 10% of the Purchase Price One Monarch Place, Springfield, MA within Five Business Day of the Auction.

Attorney for Mortgage 5 % Percent Buyer’s Premium Applies.

MA Auc. Lic #161 • PA Auc. Lic. #AY000241L www.posnik.com • E-Mail:info@posnik.com

Articles for Sale

Merchandise Antiques/Collectibles Appliances Articles for Rent Articles For Sale Audio Building Materials Cameras Camping Equipment Clothing Coins and Stamps Construction Equipment Do-In-Yourself Materials Electronics/Compuiters Fitness Equipment Flea Markets Forklifts and Equipment Fuel Furniture, Etc. Good Things To Eat Hot Ticket Items Jewelry Lawn & Garden Lawnmower & Snowblower Machinery & Tools Med. Equipment Sales/Wanted Miscellaneous Musical Instruments Office Equipment Pools, Spas & Accessories Professional Equipment Restaurant Equipment Seasonal Snowmobiles Sports Television Tickets Video Vintage Clothing Wanted to Buy Wood-Burning Stoves

Appliances

Whirlpool gas stove, 4 burner, self cleaner, beige, $165.00.

Call 786-4423

5 drawer dresser wood, great cond., $76.00 413-569-1830 8’ snowplow blade for farm tractor, made to mount on bucket of tractor. $249.00 413-569-1830 A Indian cooking class gift certificate for $45 2 hr class plus meal.

Call 413-543-1138.

A Vegetarialn cousinne (Vegan) Indian cooking class $59. 543-1138 ww w.malaindiancooking class.com

PIANO: 1999 YAMAHA Professional Upright excellent condition Photos available $2,500 del. (413)544-4477

Sporting Goods

ATOMIC Ti Skiis with bindings, 121cm. $75; Call 413-533-7307

Wanted To Buy

WE BUY R12 - R500 - R11 Cert. Professionals pay $$$ for your FREON + FREE SHIPPING 312-697-1976- Refrigerant finders.com/ad

Of the Firm of

Other Terms to be Announced at Time of Sale.

Aaron Posnik AUCTIONEERS•APPRAISERS

West Springfield, MA • Philadelphia, PA 413-733-5238 • 610-853-6655 MA Auc. Lic #161 • PA Auc. Lic. #AY000241L www.posnik.com • E-Mail:info@posnik.com

Auctions Auctions

AARON POSNIK & CO. INC. Indust & Comm. Auctions 31 Capital Dr. W. Spfld.

733-5238 www.posnik.com

DouglasAuctioneers.com

ESTATES-ANTIQUES 413-665-2877 Articles for Sale

Lawnmowers & Snowblowers

5HP Briggs & Stratton push mower, 20’’ cut, $72.00 Call 413-569-1830

AUCTIONEERS•APPRAISERS

West Springfield, MA • Philadelphia, PA 413-733-5238 • 610-853-6655

Musical Instruments

LOWREY ADVENTURER ORGAN, Bench, headphones, & many song books included, paid $1540, sell $500; negotiable Excel cond. Call (413)237-0435

BASEBALL, Football Basketball & Hockey cards, 1950’s-present, all 50 to 90% off, unopened boxes $.50 I buy cards/all types Memorabilia 413-596-5783 BRAND new Graco carseat, extend to fit convertible carseat 10 positions, $190; Call 413-562-4964 C13 Zeppelin Stamp $100 Got stamps?

Call Ron 413-896-3324 Stamps wanted Christmas tree 7’ beautiful 3pc sec. balsam, must see! Some lights & ornam. $75./bo 594-7775

Dining Room table & 4 chairs. $40.00. Call 413-734-8315 9-4pm.

FOLDAWAY POOL TABLE ASKING $100; NEW IN BOX

(413)737-7306 Last minute gift - 3 hour Mala Indian Cooking class (Chicken Pikka Masala) $69. for 1 or $109. for 2. 413-885-7272 McDonald’s Toy display (Lion King) $40 or best offer.

Call (860) 990-9649 OAK KITCHEN TABLE 2 Extra Leaves 38" X 58" Brand new Cond. $40/ Best Offer. (413) 583-3740 POWERMATE 6250 WATTS GENERATOR $800; INCLUDES KIT Call (413)733-1613

Wood changing table & drawers, great cond. $76.00. Call 413-569-1830

7 1/2 FT snowplow blade, no frame or hydraulics, just blade. $224.00.

Call 413-569-1830

Ariens Snowblower 7HP for parts $99.00 Call 413-569-1830 Ariens Snowblower 7HP for parts or fix. $89.00 Call 413-569-1830

BILLY GOAT 11HP, leaf loader, $600 Call (413)566-3622 Craftsman 9HP Snowblower, runs but needs work. $224.00 Call 413-569-1830 Husqvarna 5HP Snowblower, runs but needs work. $249.00 Call 413-569-1830 Husqvarna Riding Tractor, no mowing deck, runs but needs work $99.00 Call 413-569-1830 Snapper Walk behind Rototiller, 4.5 HP, runs but needs work. $89.00 Call 413-569-1830 TORO ELECTRIC SNOW SHOVEL Paid $120; asking $75 used once.

(413)289-9020

Machinery & Tools

DELTA MEDI LATHE variable speed, with stand $500 Call 413-532-8618

Med. Equip Sales/Wanted

OUTLANDER Series scooter & chair lift attaches to trailer hitch, good cond $550/BO.; Call Earl (413)265-3212 lve msg.

MORTGAGEES’ REAL ESTATE AUCTIONS TO BE SOLD ON THEIR RESPECTIVE PREMISES

FRIDAY JANUARY 24, 2020 12:00 PM - ORANGE, MA 145 FRYEVILLE ROAD DEPOSIT $5,000

MONDAY JANUARY 27, 2020 12:00 PM - CHICOPEE, MA 141 MOORE STREET DEPOSIT $5,000 2:00 PM WEST SPRINGFIELD, MA 47 CASS AVENUE DEPOSIT $5,000

WEDNESDAY JANUARY 29, 2020 12:00 PM - WALES, MA 4 LAKE GEORGE ROAD DEPOSIT $5,000 TERMS OF SALES: DEPOSITS IN THE AMOUNTS SPECIFIED ABOVE ARE TO BE PAID BY THE PURCHASER(S) AT THE TIME AND PLACE OF EACH SALE BY CERTIFIED OR BANK CHECK. ALL BALANCES DUE ARE TO BE PAID WITHIN 30 DAYS OF EACH INDIVIDUAL SALE. OTHER TERMS, IF ANY, TO BE ANNOUNCED AT EACH SALE. CALL OUR AUCTION SCHEDULE LINE AT (617) 964-1282 FOR A LIST OF THE CURRENT DAY’S AUCTIONS AND VISIT OUR WEBSITE www.commonwealth auction.com FOR CONTINUOUSLY UPDATED SCHEDULING INFORMATION AND ADDITIONAL SCHEDULING INFORMATION COMMONWEALTH AUCTION ASSOCIATES, INC. (617) 964-0005 MA LIC 2235

HOME & GARDEN

F16 | SUNDAY, JANUARY 19, 2020

THE REPUBLICAN | MASSLIVE.COM

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Offer Expires January 15, 2020

WIRELESS REMOTE CONTROL with panic button. $139 VALUE!

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When you upgrade to ADT Pulse® + Video $299 VALUE! See all offer details below.

GIFT CARD: $100 Visa Gift Card fulfilled by Protect Your Home through third-party provider, Mpell, upon installation of a security system and execution of monitoring contract. $4.95 shipping and handling fee, gift cards can take up to 8 weeks to arrive after following the Mpell redemption process. BASIC SYSTEM: $99 Installation.

36-Month Monitoring Agreement required at $27.99 per month ($1,007.64). 24-Month Monitoring Agreement required at $27.99 per month ($671.76) for California. Offer applies to homeowners only. Basic system requires landline phone. Offer valid for new ADT Authorized Premier Provider customers only and not on purchases from ADT LLC. Cannot be combined with any other offer. The $27.99 Offer does not include Quality Service Plan (QSP), ADT’s Extended Limited Warranty. ADT Pulse: ADT Pulse Interactive Solutions Services (“ADT Pulse”), which help you manage your home environment and family lifestyle, require the purchase and/or activation of an ADT alarm system with monitored burglary service and a compatible computer, cell phone or PDA with Internet and email access. These ADT Pulse services do not cover the operation or maintenance of any household equipment/systems that are connected to the ADT Pulse equipment. All ADT Pulse services are not available with the various levels of ADT Pulse. All ADT Pulse services may not be available in all geographic areas. You may be required to pay additional charges to purchase equipment required to utilize the ADT Pulse features you desire. ADT PULSE + VIDEO: ADT Pulse + Video installation is an additional $299. 36-month monitoring contract required from ADT Pulse + Video: $58.99 per month, ($2,123.64), including Quality Service Plan (QSP). GENERAL: For all offers, the form of payment must be by credit card or electronic charge to your checking or savings account, satisfactory credit history is required and termination fee applies. Certain packages require approved landline phone. Local permit fees may be required. Certain restrictions may apply. Additional monitoring fees required for some services. For example, Burglary, Fire, Carbon Monoxide and Emergency Alert monitoring requires purchase and/or activation of an ADT security system with monitored Burglary, Fire, Carbon Monoxide and Emergency Alert devices and are an additional charge. Additional equipment may be purchased for an additional charge. Additional charges may apply in areas that require guard response service for municipal alarm verification. Prices subject to change. Prices may vary by market. Some insurance companies offer discounts on Homeowner’s Insurance. Please consult your insurance company. Photos are for illustrative purposes only and may not reflect the exact product/service actually provided. Licenses: AL-19-001104, AR-CMPY.0001725 AZ-ROC217517, CA-ACO6320, CT-ELC.0193944-L5, DC-EMS902653, DC-602516000016, DE-07212, FL-EC13003427, EC13003401, GA-LVA205395, IA-AS-0206, ID-ELE-SJ-39131, IL-127.001042, IN-C.P.D. Reg. No. – 19-08088, City of Indianapolis: LAC-000156, KY-City of Louisville: 483, LA-F1914, LA-F1915, LA-F1082, MA-1355C, MD-107-1626, ME-LM50017382, MI-3601205773, MN-TS01807, MO-City of St. Louis: CC#354, St. Louis County: 95091, MS-15007958, MT-PSP-ELS-LIC-247, NC-25310-SP-FA/LV, NC-1622-CSA, NE-14451, NJ Burglar Alarm Lic. # -NJ-34BF00021800, NM-353366, NV-0068518, City of Las Vegas: 3000008296, NY-Licensed by the N.Y.S. Department of State UID#12000317691, NYS #12000286451, OH-53891446, City of Cincinnati: AC86, OK-AC1048, OR-170997, Pennsylvania Home Improvement Contractor Registration Number: PA022999, RI-3582, RI-7508, SC-BAC5630, SD- 1025-7001-ET, TN-1520, TX-B13734, ACR-3492, UT-6422596-6501, VA-115120, VT-ES-2382(7C), WA-602588694/ECPROTEYH934RS, WI-City of Milwaukee: PAS-0002790, WV-WV042433, WY-LV-G-21499. 3750 Priority Way South Dr. Indianapolis, IN 46240 ©2017 DEFENDERS, Inc. dba Protect Your Home DF-CD-NP-Q419