latham pennysaver 110812

Capital Region Weekly Newspapers • 2 Rosell Drive, Ballston Lake, NY 12019 • (518) 877-7160 • Fax (518) 877-7824

Latham

PENNYSAVER

They are waiting to see your ad! PLL

Volume 63 • Number 45 • November 8, 2012

www.CRWNEWSPAPERS.com COVERING: LATHAM 7,923 • WATERVLIET 4,154 • LOUDONVILLE 2,474

Total Mail This Edition 14,551 • Total Circulation 10 Zones 155,000

MAILEDEVERY WEEK

155,00010 ZONES

40 ZIP CODES

Community Events Board more inside…

1.888.CHUCKITSPECIAL OFFER See Our Ad Inside

Home ImprovementsHome ImprovementsHome ImprovementsLook InsideLook Inside

Holiday Holiday Holiday

Info: Jim Apicella 785-3888 [email protected] • dancelandboomers.com

Info: Jim Apicella 785-3888 [email protected] • dancelandboomers.com

The area’s newest dance club is now located next to Dollar General across from Latham Ford in Latham -

across from the old Colonie Coliseum.

FEATURING LINE DANCING, BALLROOM, AND THE AREA’S TOP BANDS!

Ladies & Gentlemen…the venue you’ve been waiting for is back!Ladies & Gentlemen…the venue you’ve been waiting for is back!

FULL BAR & FOOD AVAILABLE

•Saturday, Nov. 10 • Cryin Out Loud • Doors Open 8pm; Band 9-12 • Cover•Saturday, Nov. 17 • Funk Evolution • Doors Open 8pm; Band 9-12 • Cover•Saturday, Nov. 24 • 104.9 The Cat’s Holiday Party Line Dance Lesson 7-8pm; Dancing 8-12 with DJ • Cover•Saturday, Dec. 1 • The Refrigerators • Doors Open 8pm; Band 9:30-12 • Cover

halfmoon jewelersCustom DesignedJewelry & Repairs

DIAMONDS

631-2773Second Generation Jewelers Bringing Exceptional Value and Trust for Over 50 Years

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1686 Route 9

Clifton Park

OUR ANNUAL HOLIDAYDIAMOND SALE

STARTS NOW UNTIL DECEMBER 24TH

Make Your Holidays SparkleFREE LAY-A-WAY

CASH PAID FOR GOLD, SILVER, DIAMONDS AND COINS

Done OnPremises

Look Inside For OurHEALTHy PET CARE

GUIDE

PRODUCTS & SERVICES FOCUSING ON THE HEALTH AND CARE OF YOUR PETS!

EARLY DEADLINE NOTICEDue to the Thanksgiving Holiday our Paper of

Nov. 22nd will be published on Tuesday, Nov. 20th

PENNYSAVER • MONEYSAVER • THE BI-WEEKLY

OFFICE CLOSED Thurs. & Fri.

Nov. 22nd & 23rd

CLASSIFIED DEADLINES

NOVEMBER 20th Paper: Ads must be placed by 2 pm Thursday, November 15th

DISPLAY DEADLINES

NOVEMBER 20th Paper: Ads needing proofs –

Wednesday, November 14thAll other ads - Deadline is Thursday November 15th

NOVEMBER 29th Paper: Ads needing proofs–

Wednesday, November 21st All other ads –

Monday, November 26th

Proctors Show Tickets for SaleCAPITAL REGION – The Friends of the Clifton Park-Halfmoon Library have tickets to some of the hottest shows at Proctors this season! Don’t wait, get your tickets now! Sunday, January 27, 2013, 2pm, tickets for “Million Dollar Quartet”: 10 seats - Orchestra Center Left Rows A & B - $63.40; 10 seats - Balcony Center Row H - $54.40; Deadline December 1. Sunday, February 17, 2013 at 2pm, tickets for “Priscilla the Musical Sensation”: Sec-tion A Orchestra - $63.40; Section B Balcony - $54.40; Deadline December 1. Sunday, May 5, 2013, at 2pm, tickets for “Les Miserables”: Section A Orchestra - $67.90; Section B Balcony - $54.40; Deadline March 1, 2013. Order Forms can be downloaded from the Friends website, cliftonpark.org/friendsofcphl or picked up at the Library on Friends’ tables. For information email Lori Bennett at [email protected]. (M)

Radio City Christmas Show CAPITAL REGION – International Club is taking a bus trip to see very popular Radio City Christmas show with a whole day of fun. Open to all. Pick ups in Clifton Park and Colonie with games and prizes on deluxe video bus. A stop at Woodbury outlet for some shopping and lunch, free time in NYC and front rows of mezzanine seats for the show! All for only $99. Dates are two Sundays: November 11 and November 18. Call 371-3737 to reserve your seats and enjoy a great day with family and friends! (M)

Radio City Christmas ShowCAPITAL REGION – St. Mary of the Assumption Church, Waterford, is sponsoring a trip to the Radio City Music Hall Christmas Spectacular on Monday, December 3. Bus will leave from St. Mary’s Hall at 7:30am. Time for lunch, shopping, etc. in New York and 5pm show. Bus will return imme-diately following show. $110 includes transportation, orchestra seats. Con-tact Liz Callaghan 857-4156 for more info, reservations. (M)

Artist’s DemonstrationCOLONIE – The Colonie Art League presents a demonstration at the Col-onie Town Hall by artist: James Coe of Hannacroix, NY, on Tuesday, No-vember 13 at 6:30pm. Educated as a biologist, then earned a master’s degree in Painting from Parsons School of Design, James spent his first years as an ornithological illustrator and field guide author. Visit his website: http://jamescoe.com/works The demonstration is free and open to the public. For further information call Micki Ahl at 518-782-0726. (P)

Christmas Boutique & Bake SaleLOUDONVILLE – Good Shepherd Lutheran Church, 510 Albany Shaker Road, Loudonville will be holding a Christmas Boutique and Bake Sale on Saturday, November 10 from 9am-3pm. Sale will feature Christmas decora-tions and gifts, knitted and crocheted items, jewelry, soup mixes, gifts for pets, baked goods. Lunch of homemade soup available from 11am-1pm. Contact 458-1562 for more information. (A)

Support Group to Host Family Bowling PartyLATHAM – The local Tourette Syndrome Support Group will host a family bowling party on Sunday, November 11 from 2-4:30pm at Spare Time Lanes in Latham. The cost is $15 per bowler. Bowlers must pre-register by calling Judy at 384-1765. (A)

Latham PENNYSAVER - PLL November 8, 2012 w w w. c r w n e w s p a p e r s . c o m

DO YOU NEED A NEW KITCHEN

CALL NOW 664-6949CABINET DOCTOR

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WE WILL SAVE YOU THOUSANDS!!• Kitchen Remodeling • Cabinet Refacing

See us at www.cabdoctor.com“IN BUSINESS FOR OVER 54 YEARS”

Stop In And See Our Beautiful Showroom!SEAFOOD • STEAKS • CHOPS

FULL BREAKFAST,

LUNCH & DINNER

Roast Prime Rib of Beef au jus ........................................$14.95Delmonico Steak with mushroom caps ............................$14.95Roast Loin Of Pork with stuffing ....................................$12.95Greek Mousaka or Pastichio with Greek Salad ...............$11.95NY Sirloin Steak with mushroom caps ...........................$14.95Stuffed Peppers with Side of Pasta ..................................$10.95Broiled Filet of Scrod with rice ........................................$12.951/2 Roasted Chicken with country stuffing .....................$10.95Baked Lamb Shank with Orzo .........................................$11.95Baked Mediterranean Haddock with rice .........................$12.95Chicken Marsala or Francaise over Pasta or Rice ............$12.95Baked Short Ribs .............................................................$12.95

Many More Complete Dinner Specials AvailableOpen: 6am-10pm • 7 days

TROY SCHENECTADY RD, LATHAM, NY 12110

(518) 785-4107

SpecialsServed with a complimentary glass of wine, soup & salad, pudding or jello & coffee

* Mowing * Top Soil * Mulch * Hedge and Shrub Trimming * Brush Hogging

* Walkways & Patios * Light Excavation* Hydroseeding * Tree & Brush Removal

Paul’s Lawn CarePaul’s Lawn CareFALL CLEAN-UPS

(518) 588-3581FREEESTIMATES

FULLYINSURED

ROLL-OFFS ~ 6, 8, 10, 12, 14, yard sizeHousehold Junk ~ Renovation Debris

FALL SPECIALDUMPSTERS

FOR SALE: Cherry Hutch - Good Condition, Solid Hardwood, 2 Piece, Shelves & Doors On Top, Drawers & Doors On Bottom, 74”w, 20”d, 73”h. $400 OBO. 383-2138

MOVING TO ARIZONAMust sell everything, in garage & under tents. Christ- mas items, some furn, sports equipt. cameras, collectibles. Something for everyone!

MOVING SALE. NOV. 8-9-1010am-4pm. 69 Smith Rd. Mechanicville. Furn. household and work items, electronics, aerobic rider, & more.

LATHAM. FRI 11/9, 9-3 pm, Sat. 11/10, 9-1pm. 4 Albert Court. Housewares, lawn furniture, tools, clothing, misc.

2012 44’ FIFTH WHEELFiberglass, 4 slides, 1.5 ba. 2 BR,washer/dryer, all options. $39,000 obo. (860)331-5208

ABSOLUTE BARGAIN! Wholesale Mattress Sets. New Queen mattress set in factory plastic. $150. Other kinds 50-70% off store prices. Warranty! 518-290-0298 can del.

BEAUTIFUL China Cabinet Mirrored, 5 shelves, cream colored. approx 7’ x 3.5’ x 1’. $200. 877-0258

GUNS FOR SALERemington Sportsman 12 pump 2 3/4 or 3’’ Magnum w/ 28’’ mod barrel, and Ithaca Model 37 featherlight pump, 2 3/4 w/ 28’’ mod barrel. Guns are a package deal. $650817-5272

REACH OVER 28 MILLION homes with one ad buy! Only $2,795 per week! For more information, contact this publication at 518-877-4730

QUEEN PILLOWTOP MATTRESS set. Brand new in plastic with warranty. Must move. $229. 526-2333

A CLEAN HOUSE! Weekly or bi-monthly. Good rates and dependable. 899-2304 or 441-3598

$$JUNK CARS WANTED$$Paying top dollar cash, alsofarm equipt, free removal. Call (518) 322-0654

Pat’s Place Dedication CeremonyTROY – Continuing His Legacy … On November 16 at 4pm, the Independent Living Center of the Hudson Valley will dedicate four programs-- advocacy, arts, education, and communica-tion-- to the late Patricio “Pat” Figueroa. The event will begin at 4pm with the presentation and dedication, followed by a reception with light hors d’oveures, and a presentation by Warren Shaw, nationally renowned writer and historian, about the history of disability rights in New York. The late Patricio “Pat” Figueroa was one of this nation’s most inspiring innovative lead-ers of the modern disability rights and independent living movements, and a long-time resident of the Capital District. Pat’s Place will offer disability advocacy training, nurture creativity by sponsoring programs and classes in the fine and performance arts, as well as expository and creative writing, graphic design, and storytelling. The Independent Living Center of the Hudson Valley will continue to publish the only national newspaper by people with disabilities for people with disabilities, Independence Today, created by Pat. For additional information, please call 518-274-0701 (V/TTY). (P)

Christmas BazaarMENANDS – Bethany Presbyterian Church, 21 N. Lyon Ave, Menands, will hold a Christmas Bazaar on Saturday, November 17 from 9am-2pm. Choose from home-baked goods, assorted soups and salads. Select unique gifts from knit items and other crafts. Bring friends and family and enjoy a cup of coffee and a goody, or stay for a hot lunch. (P)

Praise, Liturgy & Healing ServiceCOLONIE – Christ Our Light Church, 1 Maria Drive, Colonie/Loudonville, will hold a Praise, Liturgy & Healing Service on November 14 (held second Wednesday of the month). 7pm: Praise and Prayer at 7pm; Liturgy at 7:30pm. Music: Joyful Hearts. All are welcomed. For more Infor-mation please contact Ruth at 785-1084. (P)

Holiday Bazaar & Ham DinnerGREEN ISLAND – The Church of the Good Shepherd, 89 Hudson Ave., is having their Annual Holiday Bazaar (3-6pm) & Ham Dinner (4:30-6:30pm) on Saturday, November 10. Pro-ceeds will benefit the United Methodist Women’s Mission Proj-ects, Nursing Home Luncheons and the Fuel Fund. The event is open to the public with free admission and parking. Activi-ties include a Christmas Table, White Elephant, Baked Goods, Handmade Items, Jewelry, 25 Cent Table, etc. Upcoming Din-ners: Pancake Dinner - December 1; Spaghetti & Meatball Din-ner - January 12. (P)

Food Drive to Help HungryCAPITAL REGION – Working with the Regional Food Bank of Northeastern New York, Valvoline Instant Oil Change is inviting you to drop off two or more non-perishable items at any Valvoline Instant Oil Change service center in the Capital District. In ex-change for a donation, Valvoline will give an $8 discount on an oil change. All items collected will be donated to the Regional Food Bank of Northeastern New York before the Thanksgiving holiday. Those who drop off a donation but aren’t due for an oil change can get a coupon toward their next visit. With about 244,400 people that need emergency food assistance in Northeastern New York, the Regional Food Bank needs help fighting the ongoing, and rap-idly expanding, battle of hunger. Much appreciated items include peanut butter and jelly, rice, canned soup, fruit and sauce, paper towels, napkins, pasta, tuna and mayonnaise. There are 14 Valvo-line Instant Oil Change locations in the Capital District. Locations can be found at www.vioc.com (P)

November 8, 2012 Latham PENNYSAVER - PLL w w w. c r w n e w s p a p e r s . c o m

MOORE’S TREE SERVICE & CO.10% OFF TREE SERVICE WITH THIS AD

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CONSIGNMENTS BY APPOINTMENT

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1675 Route 9 ● Clifton Park ● (518) 383-2678

www.classicinteriors.cc● Draperies & Bedding

● Blinds, Shades & Shutters ● Custom Furniture

● Re-Upholstery

Mon.-Fri. 9-5pm Thurs. 9-7pm Sat. 9-3pm Evenings by Appointment

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Blacktop Driveways Parking Lots

Sidewalks • Stone

RICHARD’SRESIDENTIAL & COMMERCIAL

MR. FIX IT HOME REPAIRS. Most residential repairs. If it needs fixing call me! Bath- room remodeling. Plumbing, lighting indoor & out. Carpen- try. Fully insured. 210-1144

LOVE ME TENDER Pet Sitting and light housekeeping. 222-3979

DAVE’S ELECTRIC All Phase. From single light to entire house. Free Est., In- sured Senior Disc. 583-0441

MG REMODEL & HOME REPAIR - No job too small! Int.ext. Serving Capital Dist. Questions? Give me a call! Free est. Fully ins. 383-2546

FALL CLEANUPS. SNOWplowing and leaf removal. Res./Comm. Fully ins. Supe- rior Landscaping. 813-5787

TREE, STUMP, SHRUB, Stump removal, crane and bucket truck. Chipping, pruning. 339-3369

POOL CLOSINGS, safety covers. End of season liner specials. Renovations 268-9764

WATER HEATERS Tankless Don’t wait, change now, save energy. All types. Call Mike O’Brien 365-6624 7am-7pm 7days/wk

GREEN FIREWOOD $180/cord. Cut, split & del. Discount on 2 or more. Sea- soned firewood also avail. Dependable & honest service Harvey 338-5898 / 391-5363

HEATING, AIR COND. Furnace, Boilers. Change to high eff. and get national grid rebate. Lic’d. & insured. Mike O’Brien 365-6624 7am-7pm7 days/wk

Unseasoned Firewood 7 (+/-) cord load, cut, split & delivered. $1050.Call for area discount. Smaller loads available. 692-2109 º

THE TILE WIZARDComplete bathroom remodeling. Custom showers, tub replacements, disability con- versions. Regrouting, foyers, backsplashes & more. Fully

insured. Free estimates. Call The Wizard 378-2293

REVERSE MORTGAGES For Seniors 62 & Older. Free info kit & quote. Call (518) 708-6547.Equal housing lender. iReverse Home Loans. Your Local Reverse Mortgage Source

Storm/ Tree/ Excavation Small jobs to very large. Lots of equipment. (518) 339-3369

HOME IMPROVEMENTS. Low, affordable kitchen/bath remodeling, decks, HVAC, flooring, roofing, 461-5380

**FALL LEAF CLEANUP**Free estimates.

***FALL CLEANUPS******All leaves removed***Call 339-9540 anytime.

FIREWOOD - SEASONED. Guaranteed dry, 16” length, $250 cord, $120 face cord. Karl@ 269-1391 or 269-2030

BRUCE’S LAWN CARECarpet cleaning by Bruce Snowblowing. Fall cleanup. Mowing • Chainsaw work • Pile Pick-ups. Res. / Comm. Rug pick-up & delivery. Reli- able • Excellent rates. 373-0265 Serving the Lord

PIANO TUNING FALLSpecial All models $89.00. Free estimates on repairs. 25 yrs. exp. References877-6442 please lv. msg.

Pat’s Place Dedication CeremonyTROY – Continuing His Legacy … On November 16 at 4pm, the Independent Living Center of the Hudson Valley will dedicate four programs-- advocacy, arts, education, and communica-tion-- to the late Patricio “Pat” Figueroa. The event will begin at 4pm with the presentation and dedication, followed by a reception with light hors d’oveures, and a presentation by Warren Shaw, nationally renowned writer and historian, about the history of disability rights in New York. The late Patricio “Pat” Figueroa was one of this nation’s most inspiring innovative lead-ers of the modern disability rights and independent living movements, and a long-time resident of the Capital District. Pat’s Place will offer disability advocacy training, nurture creativity by sponsoring programs and classes in the fine and performance arts, as well as expository and creative writing, graphic design, and storytelling. The Independent Living Center of the Hudson Valley will continue to publish the only national newspaper by people with disabilities for people with disabilities, Independence Today, created by Pat. For additional information, please call 518-274-0701 (V/TTY). (P)

Christmas BazaarMENANDS – Bethany Presbyterian Church, 21 N. Lyon Ave, Menands, will hold a Christmas Bazaar on Saturday, November 17 from 9am-2pm. Choose from home-baked goods, assorted soups and salads. Select unique gifts from knit items and other crafts. Bring friends and family and enjoy a cup of coffee and a goody, or stay for a hot lunch. (P)

Praise, Liturgy & Healing ServiceCOLONIE – Christ Our Light Church, 1 Maria Drive, Colonie/Loudonville, will hold a Praise, Liturgy & Healing Service on November 14 (held second Wednesday of the month). 7pm: Praise and Prayer at 7pm; Liturgy at 7:30pm. Music: Joyful Hearts. All are welcomed. For more Infor-mation please contact Ruth at 785-1084. (P)

Pre-Christmas Craft ShowALBANY – The women at the Polish Community Center, 225 Washington Avenue Ext. (at Rapp Road), Albany, will be hosting a Pre-Christmas Craft Show on Saturday, November 10 from 10am-3pm. Vendors have all handcrafted items. Pol-ish and American food will be available all day. A raffle will be offered. Free admission and Free parking. Come join us and start your holiday shopping early, there is something for everyone! (P)

“Jewels of the Sea”TROY – An extraordinary exhibit of more than 800 species and 1000 variations of seashells including the largest and small-est seashells on earth. Exhibit also includes corals, sea stars, lobster, crab, sea urchins, sea horses, fossils of extinct species and their modern relatives, photos of where many of the shells were collected, seashell x-rays, microscope-enlarged photos of shells. Gift Shop, Sea Turtle Rescue and Oceanic Conservation Information. Admission: $2 for adults; $1 for children aged 12 and up. 9am-5:30pm November 10, 11 and 12. Discovery Hall, 426 Second Street, Troy. Call 272-4766 for more information. (P)

Rummage Sale & Polish Food/Bake Sale COLONIE – Buy now for the holidays! The ANS group of Blessed Virgin Mary Church in Colonie will hold its annual Rummage Sale on Sat., November 10 in the parish hall at 250 Old Maxwell Rd., Latham. The sale opens at 9:30am and con-tinues until 2pm. Homemade baked goods and polish foods will also be on sale, as well as refreshments from the BVMC Kitchen. Come early for the best selection! Questions? Call the Church office at 453-2258. (A)

Drop Off Donations of Turkeys & HamsLATHAM – On Saturday, November 17, from 10am-3pm, the Sisters and volunteers at Our Lady of Hope Residence will be accepting turkeys, hams and fall candies for our residents. Do-nations may be dropped off at Our Lady of Hope Residence, 1 Jeanne Jugan Lane (off Old Loudon Rd., behind St. Ambrose Church), Latham. For additional information, please call (518) 785-4551. Our Lady of Hope is a residential healthcare facility that is home to 88 elderly residents. It serves the aged poor from the surrounding area regardless of race, religion or ethnicity. (A)

Cohoes Mystery ClubCOHOES – Due to the Thanksgiving holiday, the Cohoes Mystery Book Club will be meeting on November 28, the last Wednesday of the month. The selection is Carolyn Hart’s Ghost at Work, the first in the Bailey Ruth Raeburn series. Bailey is a heavenly sleuth - that is, she is dead, but wants her eternity to be useful. Seems like an unfair advantage, but still, there are rules heavenly helpers must follow. Join us November 28 for either morning (10:30am) or evening (6:30pm) meeting to discuss Bailey. Books are available at the Library. Updates at http://www.cohoespub-liclibrary.org/ (A)

Series of Short Plays Presented by Village Stage & Soul RebelTROY – Village Stage and Soul Rebel are joining together to present “Short Plays for the Holi-days—Sort Of”. The series of short plays will be presented on November 16 at 7:30pm, Novem-ber 17 at 7:30pm and November 18 at 2pm. Tickets can be reserved by calling 518-729-6128. The plays will be performed at the Arts Center of the Capital Region 265 River St., Troy. Adults $15; Students/Seniors $12. Start your holidays off with fun! (A)


2 Rosell Dr., Ballston Lake, NY 12019 • (518) 877-7160 • Fax: 877-7824 Sales Manager ........................................................................... Cheryl Wallace Account Executives ............. Peter Malesky, Kathy Groski-Storti, Gene Renzi, .................................................Kathleen Riley, Valerie Courville, Joanne Mack Graphic Artists ........................... Laurie Phelps, Roberta Krause, Rick Mullins Assistant to Publisher ................................................................. Diane LeBlanc Business Department Manager ....................................................... John Walsh Bookkeeping ................................................ Mary Lou Bishop, Lois Pasquarell Classifieds ................................................................................ Dianna Gregory

The Pennysaver’s Hours are: Monday - Friday 8am-4pmClosed Saturday & Sunday

PUBLISHED EVERY THURSDAYDISPLAY AD DEADLINE: Monday at 4:00pm

CLASSIFIED AD DEADLINE: Monday at 4:00pmPublished By:

Capital Region Weekly NewspapersPublisher of

• Pennysaver • Moneysaver • The Advertiser • The Bi-Weekly

Distributed Weekly To Over 155,000 Homes & BusinessesPatrick J. Smith - Publisher

Corporate Headquarters: 2 Rosell Dr., Ballston Lake, NY 12019 • (518) 877-7160; Fax 877-7824Capital Region Weekly Newspaper Group Is A Division Of Hearst Communications, Inc.

Pennysaver

Reproduction without permission is prohibited. The majority of the ads in this publication were created by and are the sole property of Capital Region Weekly

Newspapers and cannot be reproduced without express permission from the publisher.

LABELLO’SBasement Waterproofing Masonry

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ROOFING - Specializing in architectural, 3 tab, metal, cedar shakes & repairs. Free estimate. Call 378-6298

AJ’S LAWN CARE & MORE** FALL LEAF CLEANUP ** Mulch, hedge trimming. Free estimates. 339-9540.

JOEYJUNK.COMCLEANOUTS, HAULING, attics, basements, garages. Get it done fast for less cash. Fully ins. 892-6354

MATH TUTORING Algebra, Geom, Calculus, SAT. Expe- rienced/ highly qualified. Call Lynn Wagner 280-4090

DIVORCE UNCONTESTED papers prepared $299.(Includes poor person app.) Separation agreements available. Call 274-0380

“GARAGE DOOR GARY”Garage door electric openers. and service. Call for free estimate. 399-6102 º

ECONOMICAL RemodelingCarpentry, ceramic tile, wood flooring, plumbing, electrical, masonry. Free est. No job too small. Emergencies 221-5136

OLD APPLIANCESand FURNITURE

REMOVED FROM YOUR HOME OR BUSINESS. Small or Large jobs.

CLEAN OUTS. Call Bill the Junkman at

664-7488Credit Cards Accepted.

C. L. HOME IMPROVE- MENTS Taking care of all your window and remodeling needs. Neat and dependable. Fully insured. Free estimates CallRich (518) 528-7173

Wade’s Tree Serv. & Land- scape Co. Complete tree serv. Light landscaping serv. 35 yrs. exp. 3rd generation arborist. 10% disc. w/ad. Fully ins. Free est. 384-7285CHIMNEY /GUTTER CLEANING. Video inspection. Free est. All masonry work available. 339-3369

MULCH, STONE, TOPSOILSpreading avail.Free delivery Property improvements. 339-3369

PAINTING SOLUTIONSInt./ Ext. Painting & Staining, wallpaper removal, wall repairs, taping. Res. / Comm.free est. fully ins. 986-1154 PUMP TROUBLE?Well problems? Bad water? We can help! Adirondack Pump. 859-3965FIREWOOD: APPLE or HARDWOODSEASONED399-5931

DO IT ALL--LAWN SERVICE Fall clean ups, vacuum your leaves, trim bushes, cleanout gutters, etc. Reas. rates. Call Jim at 285-1678.

CARDAMONE Painting, Drywall and Taping. Interior / Exterior & Wall Restoration. Staining, Paper & Popcorn Ceiling Removal. Bathroom / ceramic. Basements 15 Yrs. Exp. Insured. Tom 506-5284

UNCONTESTED DIVORCE$895 includes filing fees. All documents prepared and filed. No court appearance.Susan Civic, Attorney 376 Broadway, Suite #21,Saratoga Springs. 587-4400

LEAKS? Faucets, pipes, plumbing repaired. Bathroom remodeling, Fully insured. 210-1144

Christmas Shopping Extravaganza LuncheonGUILDERLAND – Join us for our Christmas Shopping Extravaganza Luncheon on Wed., No-vember 14 from 11:30am-1:30pm at the Guilderland Elks Lodge, 3867 Route 146, Guilderland (355-2480). Menu: Turkey Dinner. Special Feature: Vendor Fair. Special Music: Vocalist Judi Miriam. Special Speaker: Dixie Westervelt, who will relate how she has dealt with a “surprise child” at age 44 followed by breast cancer. Reservations necessary; cancellations a must by No-vember 9. Please call Nancy at 869-0642 or Debbie at 982-1894. Cost: $14 inclusive (cash only please). Sponsored by the NY Capital District Christian Women’s Club. (A)

Christmas Fair & Bake SaleCOHOES – Cohoes Senior Center will hold a Christmas Fair & Bake Sale on December 6 from 9am-6pm and December 7 from 9am-3pm. Vendors welcome. The Cohoes Senior Center is lo-cated at 10 Cayuga Plaza, Cohoes; 518.235.2040; www.cohoesseniorcenter.org (A)

Spaghetti & Meatball Dinner FundraiserNO. TROY – Prince of Peace Lutheran Church will host a Spaghetti & Meatball Dinner on Sat., November 10 from 4:30-7pm. Spaghetti & Meatball Dinner includes salad, beverage and a variety of desserts, all for only $5. Proceeds will benefit the Church ministries and outreach programs. Join us for an evening of fun & fellowship! The Church is located at 3rd Ave. & 111th Street in North Troy. For additional information, please call 237-3050. (A)

Bus Trip to New York CityCAPITAL REGION – The Friends of the Clifton Park-Halfmoon Library will sponsor a bus trip to NYC for any event of your choice on Saturday, December 15. Assistance will be provided in obtain-ing tickets for many events including Radio City Christmas Spectacular, NYC Ballet Nutcracker, the Harry Potter exhibit at the Times Square Discovery Center and Broadway Theaters. Or take advantage of the opportunity to shop in the unique Holiday Markets and see the holiday decorations and the famous Christmas tree! The price is $45 per person for Friends of the Library members, $50 per person for non-members. The bus departs Saratoga-Wilton Mall at 7am, and from Clifton Park-Halfmoon Library parking lot at 7:20am. Bus leaves New York City at 7pm. For more information please email [email protected] or call Rhona at 505-1303. Seating is limited! (A)

Searching for Truth: Man’s Quest to Know and Under-stand GodMENANDS - The Institute Of Divine Metaphysical Research, Inc. Presents Free Public Lectures Explaining Uncommon Facts About The Creator And The Creation. In These Lectures We Show How This Pattern Operates Throughout The Bible And The Creation, Even How Your Body Is Made By This Pattern. Lectures Are Held Every Wednesday And Friday From 7:30 Pm – 9:30 Pm And Sundays From 11:00 Am – 1:00 Pm At: 100 Broadway / Mid City Plaza / Menands, Ny 12204. (A)

Annual Fresh Florida Citrus FundraiserTROY – The yearly Troy Kiwanis Fresh Florida Fruit sale is on again to raise money for projects that directly assist Troy area youth. 20 lbs. for only $20: Navel Oranges, Ruby Red Grapefruit or a Mixed Case. Orders must be received by Thursday, November 15. Call Dean at 322-0826. Fruit will arrive in Troy by December 13, in plenty of time for Holiday Gift Giving!! Kiwanis Serving The Children of The World. (A)


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HOPE FOR THE ARTS 3rd Annual Artsfest & Show, 11/16/12, 4-9pm. Jurried fine arts exhibit, children’s art show, special program at 7pm. Music & literature from the romantic period. Hope Church, 206 Greenfield Ave., Ballston Spa. For more info, call 518-409-7890.

THE ROCKABILLY RIOTSpotlighting the legends of rockabilly, Nov. 16th at Proc- tors/G.E. Theater. Tickets on sale Proctors.org

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Annual Christmas in the Valley Craft FairVALLEY FALLS – Valley Falls VFW Post 1938 is having their Annual Christmas in the Valley Craft Fair and Ladies Auxiliary Bake Sale on Saturday, November 17 from 10am-4pm. There will be many items to be raffled off and you need not be present. Vendors needed; limited # of spaces available. Please call Judy at 753-7865 for more information. (A)

“Jingle Bell Run” 5k ®ALBANY - Timed 5k to be held at The Crossings in Colonie on December 1, 2012. Early Reg-istration Now Underway! Bells will be ringing through the air at the “Jingle Bell” Run/Walk to benefit the Arthritis Foundation of Northeastern NY. The “Jingle Bell” Run/Walk is scheduled for Sat., December 1. Registration begins at 8:30 am with the 5k Run beginning at 10am. All proceeds of the event will support the programs, services and research to youth and individuals with Arthritis. Individuals and teams can register online at www.albanyjbr.kintera.org or call the office at 456-1203. Early registration fee is $20 until November 1, Registration fee is $25 prior to the event (after November 1) or $30 day of. Registration fee for children 12 years of age or younger is $15 prior to the event or $20 day of. A Kids “Fun Run” for children ages 2-12 will also take place for a fee of $15 (Kids Fun Run will be at 9:30am). The Arthritis Foundation encour-ages anyone to attend in their holiday attire including Reindeer Antlers, Santa Hats or your best elf costume! You can register as an individual or as a team. (A)

Christmas Fair & Bake SaleCOHOES – Cohoes Senior Center will hold a Christmas Fair & Bake Sale on December 6 from 9am-6pm and December 7 from 9am-3pm. Vendors welcome. The Cohoes Senior Center is lo-cated at 10 Cayuga Plaza, Cohoes; 518.235.2040; www.cohoesseniorcenter.org (A)

Spaghetti & Meatball Dinner FundraiserNO. TROY – Prince of Peace Lutheran Church will host a Spaghetti & Meatball Dinner on Sat., November 10 from 4:30-7pm. Spaghetti & Meatball Dinner includes salad, beverage and a variety of desserts, all for only $5. Proceeds will benefit the Church ministries and outreach programs. Join us for an evening of fun & fellowship! The Church is located at 3rd Ave. & 111th Street in North Troy. For additional information, please call 237-3050. (A)

Bus Trip to New York CityCAPITAL REGION – The Friends of the Clifton Park-Halfmoon Library will sponsor a bus trip to NYC for any event of your choice on Saturday, December 15. Assistance will be provided in obtain-ing tickets for many events including Radio City Christmas Spectacular, NYC Ballet Nutcracker, the Harry Potter exhibit at the Times Square Discovery Center and Broadway Theaters. Or take advantage of the opportunity to shop in the unique Holiday Markets and see the holiday decorations and the famous Christmas tree! The price is $45 per person for Friends of the Library members, $50 per person for non-members. The bus departs Saratoga-Wilton Mall at 7am, and from Clifton Park-Halfmoon Library parking lot at 7:20am. Bus leaves New York City at 7pm. For more information please email [email protected] or call Rhona at 505-1303. Seating is limited! (A)

Searching for Truth: Man’s Quest to Know and Under-stand GodMENANDS - The Institute Of Divine Metaphysical Research, Inc. Presents Free Public Lectures Explaining Uncommon Facts About The Creator And The Creation. In These Lectures We Show How This Pattern Operates Throughout The Bible And The Creation, Even How Your Body Is Made By This Pattern. Lectures Are Held Every Wednesday And Friday From 7:30 Pm – 9:30 Pm And Sundays From 11:00 Am – 1:00 Pm At: 100 Broadway / Mid City Plaza / Menands, Ny 12204. (A)

Organization Seeks Board MembersCAPITAL REGION – Pregnancy and Infant Loss Awareness organization is looking for Board Members. Joseph Michael Kolarcik Foundation is a 501(c)(3) nonprofit that provides financial assistance to families of stillborn and unexpected infant loss. Please come join us and help make a difference. Contact Cynthia at 518-878-9000 or visit online at www.jmkf.org. JMKF breaking the silence and remembering our Angels. (A)

Turkey Shoot RaffleCOLONIE – Colonie Elks Turkey Shoot Raffle: Sat., November 17 at Colonie Elks Lodge #2192, 11 Elks Lane (off Route 155) in Latham. Open to all. Free admission. Doors open at 5:30pm; Raffle begins at 6pm. (A)

Seeking Tax Assistance VolunteersCAPITAL REGION – TaxAide, the free income tax assistance program sponsored by AARP Foundation and the IRS, is seeking volunteers for the coming tax season. TaxAide volunteers answer questions and prepare and file returns for low to moderate-income taxpayers and seniors from February 1 to April 15 at sites in the Capitol District. Volunteers typically participate one day per week, with flexible schedules to accommodate volunteer availability. Volunteers may be reimbursed for a moderate level of necessary travel expenses. No experience is required, but computer experience is helpful. Training will be provided in November and December. For further information, visit www.aarp.org/taxaide or call Ronald Streeter at 518-877-5494. (A)

Mystery Book Club ExpandsCOHOES – Due to the popularity of the Mystery Book Club at the Cohoes Public Library, it will now be meeting twice on the 3rd Wednesday of the month at 10:30am and 6:30pm. Check for updates at www.CohoesPublicLibrary.org or call 235-2570. (A)

Valley Falls UMCVALLEY FALLS – Everyone is invited to worship at the Valley Falls United Methodist Church at 16 State Street each Sunday morning at 9am. The service, led by Pastor G. Ewart Morris, is followed by a coffee hour. Children participate in the first part of the church service and then are invited to attend church school. The choir practices on Thursday evenings. If you can sing and read music, you are invited to join. Prayer shawl ministry meets on the first and third Tuesdays of the month at 7pm. All who knit or crochet, or would like to learn, are welcome. The church is handi-capped accessible and has an assistive listening system. All are welcome! Call 753-4848 or check out our web site at www.valleyfallsunitedmethodist.com.for more information. Please join us! (A)


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Annual Fall BazaarLATHAM – St. Matthew’s annual Fall Bazaar will be held on Fri., November 9 from 5-8pm and Saturday, November 10 from 9am-3pm at 129 Old Loudon Rd., Latham. Free chance to win a $50 door prize, 50/50 and other raffles. Dinner to be served on Friday, lunch on Saturday. Attic treasurers, crafts & much more! (A)

Latham Women’s Club Seeks New MembersLATHAM – The Latham Women’s Club is a group whose main goal is fundraising for many different charities in the Capital Region. We meet seven times a year in various area restaurants. Our members range in age from 30 to 100 yrs.! We are now in need of young members with new and different ideas to help people in our communities. If you are that person and would like to find out additional information, please call Mo at 518-810-6272, after 6pm. (A)

Free Public LecturesMENANDS – Did you know that Eternal Life is to KNOW God? Read John 17:3. What do you know about Him? The Institute of Divine Metaphysical Research, Inc. presents free public lectures explaining uncommon facts about the creator and the creation. In these lectures we show how this pattern operates throughout the Bible and the creation, even how your body is made by this pattern. Lectures are held every Wednesday and Friday from 7:30-9:30pm and Sundays from 11am-1pm at 100 Broadway, Mid City Plaza, Menands. For additional information, email [email protected] (A)

Catholic Central HS Class of ’67 ReunionCAPITAL REGION – Catholic Central High School, Troy, NY, Class of 1967 will hold its 45th Reunion at 6pm on November 24, at McGreivey’s Restaurant in Waterford. Invites to be mailed soon. Please contact Joe Jabour at (518) 271-6638 or [email protected] We hope to see you there! (A)

CD Crossfire Girls Elite Fastpitch SoftballCAPITAL REGION – 16U & 18U team has openings based on position. For tryout information please contact: Coach Sears at [email protected] Coach Baker at [email protected] or visit our website at www.cdcrossfire.com (A)


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HOME MAINTENANCE25 yrs exp. Affordable home repair and maintenance. Car- pentry, plumbing, electrical and remodeling. 779-5052

CLEANOUTS / JUNK REMOVAL. Attics, basements, garages, demobarn, sheds, pools, etc. Yard cleanups. 339-3369

CASH PAID FOR ANYunwanted silver or gold jewelry ,high end costume jewelry, antiques, coins, stamps, collectibles. We come to you. Call Christine today for an apppointment. 944-8619

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S&G Roofing ContractorsAll types of roofs. $500 off most new roofs. 14 yrs. exp. Small/ big jobs. Immed. start. Fully insured. 229-4458Will beat any competitor.

SEASONED FIREWOODFace cord $110 ea.; Full cord $275 ea. Free delivery. Call 275-8988

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HOLIDAY STOP ‘N SHOP Sat., 11/10, 10-2, Burnt Hills FD, 811 Saratoga Rd. Start your holiday shopping with Miche, Thirty-One, Pampered Chef, Creative Memories and more.

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floydwarriors.com Now RecruitingCAPITAL REGION – Have you been touched by cancer and want to give back? floydwarriors.com is the Capital Region’s ‘Mom’ in the community helping families in the home with basic life necessities while a loved one is being treated for cancer. Meal drop off, visits, errands, and light housekeeping are the main areas needed for help. floydwarriors.com is currently helping families in South Glens Falls, Gansevoort, Clifton Park, Colonie, Troy and Schenectady and your help is needed. Please register at www.floydwarriors.com if you are interested in joining our Army of Help. (A)

Borrow a Nook COHOES – The Cohoes Public Library has 2 Nook eReaders to loan to patrons 18 yrs. and older with no outstanding fines. These Nooks are each preloaded with a fixed set of varied books and are available for a loan period of 14 days. This is a great opportunity to see if you enjoy the eReader experience. And, if you already have an eReader, the librarians can give you information on how to download library books. See www.CohoesPublicLibrary.org for more information.

Volunteers Needed to Staff MuseumVOORHEESVILLE – Ever wanted to work in a museum! This is your chance. The New Scot-land Historical Association is looking for volunteers to staff the New Scotland Historical As-sociation Museum for two hours on occasional Sundays. All museum volunteers receive training and will work with an experienced volunteer for their first few times. Come join an active com-munity organization dedicated to preserving the history of the Town of New Scotland for future generations. We present educational programs during the winter and spring months as well as preserving items in our museum. The Association has been preserving, protecting and promoting an appreciation of local history and heritage in the Town for over 40 years. If you are interested in volunteering, please contact President Alan Kowlowitz, at 518-765-4212 or send an email to [email protected] (A)

Historic Cherry Hill ALBANY – Historic Cherry Hill museum offers a Behind-the-Scenes Restoration tour on Wednesday afternoons at 1pm, 2pm and 3pm and on Saturday afternoons at 2pm and 3pm. The tour explores the large restoration project the museum is currently undergoing. Admission is $5 for adults, $4 for seniors and college students and $2 for children between the ages of 12 and 18. The museum also offers an Architecture Hunt for Families on Saturdays between 1-2pm. Admis-sion for the Hunt is $2 for adults and $1 for children ages 6-11. The museum is open from April through December for tours on these days. For more information visit the museum’s website at www.historiccherryhill.org. Historic Cherry Hill is a non-profit historic house museum built in 1787 and lived in continuously by five generations of the same family until the death of the last family member in 1963. The museum has 20,000 objects, 30,000 manuscripts, 7,500 textiles, 5,000 books and 3,000 photographs in its collection. (A)

Library Offers Fishing RodsCOHOES – The Cohoes Public Library has 5 fishing rod and reel sets available for lending. These basic sets are suitable for all ages and, while you do not need to show the librarians a fish-ing license, just a library card, patrons are responsible for following all fishing regulations. The rods and reels may be borrowed for a period of up to 7 days at a time. See www.CohoesPublicLi-brary.org for complete information. (A)


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Saratoga Springs HS Class of 1963CAPITAL REGION – The Saratoga Springs High School Class of 1963 is searching for class members. Those who have knowledge of any class members please email information to: [email protected] or call JoAnn Hughes at 518-526-0063. (A)

Self-Therapy for the StuttererCAPITAL REGION – Self-Therapy for the Stutterer is the classic self-help guide by the founder of The Stuttering Foundation, Malcolm Fraser. It is written to and for the many adults and teens that stutter. The 192-page book is available at most public libraries including those in Delmar, Cohoes, Guilderland, Loudonville, and Ravena. This book outlines a self-therapy program, which describes what the person who stutters can do to work towards better communication. The book is available free to all public libraries. If your library doesn’t have it, ask them to contact the Stuttering Foundation toll-free at 800-992-9392 for a copy. (A)

Community ClosetCOHOES – Community Closet - a different kind of Thrift Store. Good selection of winter coats and clothes for sizes infants to adults still available. Located at 158 Remsen St., Cohoes. Hours: Tuesday and Thurs-day 1-4pm. Also open the 2nd Tuesday of the month until 7pm. Sponsored by the Greater Albany Seventh-Day Adventist Church. (A)

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(MS) -- If you are in the midst of renovating or build-ing your home, it is likely you have heard the term “R-Value” being thrown around. Understanding what it means and its importance is the real test.

Measuring the ability to limit the heat flow transferred through insulation is known as R-Value, say specialists in this field. Augmenting the traditional insulation in walls and ceilings is not typically regarded by industry special-ists as an effective short-term or long-term solution, since it does not offer air sealing capabilities the way modern alternatives do.

Spray foam insulation, like that available from innova-tors Icynene, provides a con-sistent R-Value plus air seal in one step without the potential for sagging, settling or gap-ing that traditional insulation

The value in knowing R-Value

might.

Adding further layers of insu-lation in a traditional environ-ment just to increase R-Value eventually proves superfluous and ineffective with very little payback over the long-term.

The United States Depart-ment of Energy says that compressed insulation will not provide its full R-Value. Moreover, the installed R-Value will differ from the insulation R-Value itself due

to heat flow around the home making it imperative that the insulation is properly in-stalled by a professional who knows their product and how they work.

Homeowners should stay ahead of the curve and under-stand what is right for their home to ensure its long-term sustainability. Further infor-mation on R-Values and air sealing can be found at www.icynene.com.

Private residences consume lots of energy. The Energy Informa-tion Administration says that Americans are increasing their electricity consumption at home, with some homes even using more energy than small busi-nesses. The EIAsays that on av-erage a home uses between 936 and 1,000 kilowatt-hours of elec-

Green options for your home tricity each month. There is also a heavy reliance on natural gas, one of the primary fuels used to heat homes. On average homes use 100 million BTU for heating and cooking needs per year.

Thousands of dollars are spent every year on home heating, cooling and electricity needs, but there are many different ways to

conserve energy. This includes using alternative energy sources that may be better for the planet and more cost-effective for the average homeowner.

When considering green energy, many homeowners think of solar panels, which currently account for .01 percent of all electricity used in homes across the United States. However, solar power could provide as much as 10 per-cent of that electricity by 2025. California leads the nation with the most solar projects to date, but homeowners across the coun-try are considering solar panel additions to their homes. While the initial cost of solar panel in-stallation can be considerable, the panels generally pay for them-selves in energy savings within a few years of installation. Also, some solar power companies now allow homeowners to rent the photovoltaic panels, which can cut down on the cost of in-

stallation.

Choosing green energy may not involve any effort on the part of the homeowner. In fact, there are many different companies that work in conjunction with tradi-tional energy suppliers so that a portion of the energy supplied to homes comes via an alterna-tive energy source. Companies like Viridian Energy (www.virid-ian.com) enable homeowners to switch a certain percentage of their energy usage to renew-able energy. The company says that their collective impact has reduced total carbon emissions by 478,000,000 pounds, saving roughly 5 million trees and 24 million gallons of gasoline as a result. Homeowners who choose this option will still receive the same bill and must still open an account with their local utility companies. Delivery of the en-ergy to that local utility changes, but consumers won’t have any-thing to do with that process.

Homeowners interested in mak-ing any other changes for energy savings can sign up to have an energy audit. Conducted through a utility provider or a third-party organization, energy audits assess many things in the home. Appli-ances are examined, as are insu-lation and the types of windows and doors used in the home and

an inspector will check the home for drafts. A report is generated, and homeowners are provided recommendations as to how they can improve their home’s energy efficiency. Making such changes may make homeowners eligible for tax breaks or even rebate in-centives while reducing the cost of their monthly utility bills.


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There is no denying the profound impact that the re-cession has had on the real estate industry. For the last several years, the real estate market went from boom-ing to one characterized by homes sitting on the market for months on end. New home sales also have been conservative, and builders are cutting back on some of-ferings that were once com-monplace.

The National Association for Realtors says that, de-spite floundering sales, there are fewer foreclosed homes available now than in recent years. Distressed homes -- foreclosures and short sales sold at deep discounts -- ac-counted for 25 percent of homes sales in May of 2012. That figure is down from 28 percent in April and 31 per-cent in May of 2011.

While home sales have in-creased, money is still tight in the building industry and among home buyers. As such, instead of over-the-top features in homes that were

Home features that are disappearingonce becoming the norm, builders are now focusing on more value-conscious designs and offerings. The list of add-ons also has been reduced.

So what can buyers expect to live without when buying a newly constructed home? Here are a few of the common features that are falling by the

wayside.

* Sunrooms: Although the “bring-the-outside-in” move-ment was once strong, build-ers are now focusing on home features that immediately add value and attract the eye of buyers. Therefore, they’re putting their resources into

linen closets and laundry rooms while de-emphasizing sunrooms.

* Extended ceiling heights: It can take a lot of energy to heat rooms with 15-foot ceil-ings. As a result, grandiose family rooms and two-story foyers are less attractive to buyers focused on saving

money. Homeowners want spaces that are easier to heat and cool.

* Luxury bathrooms: Many private residence luxury bathrooms rival those found at popular 4-star hotels. But luxury bathrooms are being phased out in favor of less expensive, more practical op-tions.

* Outdoor kitchens: Although entertaining at home is one way to keep budgets in check, some homeowners have real-ized they don’t need a com-plete backyard kitchen with a pizza oven and brick fire-place in order to host guests. According to a survey from the National Association of Home Builders, outdoor kitchens are the second least-likely feature to be included in homes built in 2012.

* Media rooms: Individuals

certainly love their gadgets, but many of these gadgets have become smaller and more portable. That reduces the need for giant home the-aters and gaming spaces.

While certain features are disappearing, there are oth-ers that are growing more and more popular. Dual sinks in kitchens, walk-in closets, ex-tra storage areas, and hidden charging stations for devices are likely to show up more and more in new home de-signs.

The design of new homes is changing to be more budget-friendly and also represent the changing priorities of home buyers. As a result, to-day’s newly designed homes will likely look much differ-ent from homes built just a few years ago.

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(MS) -- Outside is below freezing and the heater is working overtime, but throughout the house there are cold, drafty areas. Does this sound familiar?

Specialists in the field say that any cold or drafty areas with-in a home are typically caused by air leaks within the build-ing envelope. Air leaks can make rooms uncomfortable and allow the air to escape,

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The process of buying a home can be intimidating, especial-ly for those men and women who have never before owned their own homes. Nowadays, more homeowners are choos-ing to get preapproved for mortgages before they begin searching for a home in an ef-fort to make the home-buying process go more smoothly when they find the home for them.

One of the first things buyers must do when seeking preap-proval is find the right mort-gage lender. There are many different ways to find a mort-gage lender who will fund your home loan. Prospective homeowners would be wise to familiarize themselves with mortgage lenders before beginning the preapproval process.

The following are a few terms prospective home buy-ers should know before they begin the process of buying a home.

* Retail lender: These are lenders who will reach out directly to prospective home buyers. Retail lenders include banks with loan officers in local branches, though many banks are also wholesale lenders.

* Wholesale lender: A whole-sale lender is one who funds a

Professionals who might help you get a mortgage

mortgage acquired through a mortgage broker. A wholesale lender will buy the mortgage from the broker after the bro-ker has found the customer and processed the loan.

* Mortgage broker: Mort-gage brokers are essentially matchmakers. A mortgage broker will examine a pro-spective buyer’s finances and then work to find the buyer a lender who can provide him or her with the best rate and terms. The broker may charge buyers a fee, but the broker will earn the bulk of his or her money when the buyer is matched with a lender.

* Mortgage banker: A mort-gage banker will fund the loan initially. But mortgage bankers often sell the loan to secondary lenders. Many men and women might be familiar with Fannie Mae and Freddie Mac, both of which are sec-ondary lenders. A mortgage

banker will borrow money from the a bank to fund the initial loan, then repay that bank if and when the loan is sold to a secondary lender.

* Portfolio lender: A portfo-lio lender is typically a credit union or community bank that uses deposits from its customers to fund loans that it will keep in its portfolios.

* Loan officer: Loan officers can be very helpful to buyers, helping them through the loan application process and offer-ing advice on finding a mort-gage that best meets a cus-tomer’s needs. A loan officer may be referred to as a mort-gage consultant or a home loan consultant, and many will earn a commission on the loan once it is finalized.

forcing heating equipment to work continually to compen-sate.

Whether building a new home or renovating, it may be worthwhile to consider a complete solution that makes household drafts a thing of the past. A modern insulation material, like that offered by innovators Icynene, can both insulate and air seal in one step.

Spray foam insulation seals the entire building envelope and provides a cost-saving option for homeowners look-ing to reduce energy waste and save on their monthly energy bills. Over the long-term, the savings quickly add up.

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Spray foam insulation seals the entire building envelope and provides a cost-saving option for homeowners look-ing to reduce energy waste and save on their monthly energy bills. Over the long-term, the savings quickly add up.

Holiday lighting displays are a beloved holiday tradi-tion. Many families enjoy il-luminating their homes with decorative lights, and some communities even reward the household that goes above and beyond with their holi-day lighting display.

But as enjoyable and eye-catching as such displays can be, they also can be equally as dangerous. Hanging lights carries a certain degree of risk, and it’s best for home-owners to be as cautious as possible when erecting their holiday lighting displays.

* Start with the lights. In-specting the lights is an im-portant part of creating a safe holiday lighting display, and this inspection should occur before you begin decorat-ing. Examine each string of lights for damaged wires, including any loose con-nections or broken sockets. Discard any damaged sets before decorating. If your in-spection turns up any burned out bulbs, always replace the

Safety first with holiday lighting

older bulbs with new bulbs of the same wattage. In the past, a good rule of thumb was to limit each extension cord to no more than three sets of lights. However, if using LED bulbs, which con-sume as much as 90 percent less energy than traditional incandescent bulbs, you can have more sets connected to a single extension cord.

After inspecting the lights,

inspect the other tools you will be using. Make sure the ladder is sturdy and that your staple gun and other tools are ready to be used. If any tools fail your inspection, delay the decorating until you can find adequate replacements.

* Only decorate in the day-time. Sunlight can be sparse during the holiday season, when the sun goes down be-fore many working men and women leave their offices much less arrive home. But decorating at night is asking for trouble, so make time to decorate during the daytime. Decorating during the day makes it easier to see po-tentially problematic power lines, and the weather likely won’t be as harsh during the daytime as it will be at night, reducing your risk for injury.

* Never decorate alone. When decorating, always have someone nearby in case of emergency. Falling from a ladder can cause serious harm, but having someone there to hold the ladder can reduce your risk of falling. In addition, a decorating part-ner can contact emergency personnel should you suffer an injury and become unable to reach the telephone.

* Trim trees before decorat-ing. Winter might not be the ideal time to trim trees, but streaming lights on over-grown trees could pose a significant safety risk. A tree that hasn’t been trimmed might have grown close to power lines. When that tree is covered in holiday lights,

contact with the power line could electrify the tree, po-tentially causing property damage or personal injury to anyone within close prox-imity to the affected tree. If you’re worried about trim-ming a tree outside of its rec-ommended trimming season, do not decorate that tree with any lights.

* Strategically place lights. Lights should never conceal a window, and the cords should never be run across

walkways or steps. Lights that are strewn across a win-dow pose a safety hazard should a fire occur at the home and window escape is needed. Cords that have been run across walkways and steps pose a tripping hazard, especially if a light snowfall makes it difficult for family members or guests to see the cords on the ground.

* Make sure the lights are not on when no one is home. Lights should never be on

when no one is home. This poses a significant safety risk, and no homeowner wants to arrive home to see their house has burned down or suffered damage from a fire. In addition, turn the lights off before you go to sleep at night. This makes the home safer at night and will save you a substantial amount of money.


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These insects can harm your homeHomeowners looking to prevent their homes from becoming a meal or nesting site for poten-tially harmful insects may know to keep watch for termites dur-ing the year. But termites aren’t the only insects that can damage a home. There are a few other pests that can bore through the wood of homes and structures, potentially causing considerable damage. People can familiarize themselves with these other wood-boring bugs and recog-nize the signs of infestation.

* Carpenter ants: These insects get their name because they prefer to nest above ground in wooden structures. Unlike their smaller ant cousins, who make intricate colony systems under-ground, larger carpenter ants prefer tree stumps, lumber, sub-

floors, or even roofs. They don’t use the wood for food, and can establish residence in just about any solid housing material, in-cluding rigid foam insulation.

* Powderpost beetles: Though termites might have the most name recognition, according to LivingWithBugs.com, pow-derpost beetles are potentially more destructive to seasoned wood. Wood boring powder-post beetles spend most of their lives as larvae (woodworms) in wood, where they tunnel in search of starch and other nutri-ents they need. They can cause all sorts of structural issues if they damage beams and other major components to homes.

* Carpenter bees: These large bees resemble bumblebees,

except they have a shiny black abdomen instead of a furry one. Carpenter bees bore sym-metrical holes in exposed wood, where they lay eggs and in which larvae grow. Although the bees’ holes are superficial

and rarely cause much dam-age, birds in search of larvae for food, such as woodpeckers, may peck at wood containing the larvae and cause more sig-nificant damage.

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PRAYER TO THE BLESSED VIRGIN (Never known to fail)Oh, most beautiful flower of Mt. Carmel, fruitful vine splendor of Heaven. Blessed Mother of the Son of God. Immaculate Virgin, assist me in my necessity. Oh, Star of the Sea, help me and show me, herein you are my mother. Oh, Holy Mary, Mother of God, Queen of Heaven and Earth! I humbly beseech you from the bottom of my heart to answer me in this necessity. There are none that can withstand your power. Oh, show me herein you are my mother. Oh, Mary con- ceived without sin, pray for us who have recourse to thee (3x). Holy Mother, I place this cause in your hands (3x). Sweet Mother, I place this cause in your hands (3x). Holy Spirit, you who solve all problems, light all roads so that I can attain my goal, you who gave me the divine gift to forgive and forget all evil against me and that in all instances in my life you are with me. I want in this short prayer to thank you for all things as you confirm once again that I never want to be separated from you in eternal glory. Thank you for your mercy towards me and mine. The person must say this prayer 3 consecutive days, after 3 days the request will be granted. This prayer must be published after the favor is granted. Thank you for favor received. E.N.P.

Parent Network: News & Action CenterCAPITAL REGION – The Early Care & Learning Council in-vites you to join Parent Network: News & Action Center. Par-ents: you are your child’s first and best advocate! Sign up to receive valuable information on early care and get involved, help raise the bar on high quality early care and education and get connected with your government officials. If you would like to become informed about the need for better child care poli-cies and would like to make your voice heard, join today! Go to www.earlycareandlearning.org and click on Parent Network.

Bereavement Support GroupTROY- Seton Health is holding a support group for individuals who have recently lost a loved one. The Bereavement Support Group meets at St. Mary’s Hospital on the first and third Tues-day of every month from 4:45-5:45pm in Conference Room D. The Bereavement Support Group is a confidential meeting for anyone who has recently lost a family member due to illness or injury. Individuals experiencing symptoms such as disbelief, anger, resentment, loneliness or guilt from the loss of a loved one who has recently passed away are encouraged to attend. This event is free and open to the public. To register, or for more information, call 371-1400 x162. (A)


For further information on adopting please call 434-8128 or visit www.mohawkhumane.org

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PRAYER TO THE BLESSED VIRGIN (Never known to fail)Oh, most beautiful flower of Mt. Carmel, fruitful vine splendor of Heaven. Blessed Mother of the Son of God. Immaculate Virgin, assist me in my necessity. Oh, Star of the Sea, help me and show me, herein you are my mother. Oh, Holy Mary, Mother of God, Queen of Heaven and Earth! I humbly beseech you from the bottom of my heart to answer me in this necessity. There are none that can withstand your power. Oh, show me herein you are my mother. Oh, Mary con- ceived without sin, pray for us who have recourse to thee (3x). Holy Mother, I place this cause in your hands (3x). Sweet Mother, I place this cause in your hands (3x). Holy Spirit, you who solve all problems, light all roads so that I can attain my goal, you who gave me the divine gift to forgive and forget all evil against me and that in all instances in my life you are with me. I want in this short prayer to thank you for all things as you confirm once again that I never want to be separated from you in eternal glory. Thank you for your mercy towards me and mine. The person must say this prayer 3 consecutive days, after 3 days the request will be granted. This prayer must be published after the favor is granted. Thank you for favor received. J.M.N.

PRAYER TO THE BLESSED VIRGIN (Never known to fail)Oh, most beautiful flower of Mt. Carmel, fruitful vine splendor of Heaven. Blessed Mother of the Son of God. Immaculate Virgin, assist me in my necessity. Oh, Star of the Sea, help me and show me, herein you are my mother. Oh, Holy Mary, Mother of God, Queen of Heaven and Earth! I humbly beseech you from the bottom of my heart to answer me in this necessity. There are none that can withstand your power. Oh, show me herein you are my mother. Oh, Mary con- ceived without sin, pray for us who have recourse to thee (3x). Holy Mother, I place this cause in your hands (3x). Sweet Mother, I place this cause in your hands (3x). Holy Spirit, you who solve all problems, light all roads so that I can attain my goal, you who gave me the divine gift to forgive and forget all evil against me and that in all instances in my life you are with me. I want in this short prayer to thank you for all things as you confirm once again that I never want to be separated from you in eternal glory. Thank you for your mercy towards me and mine. The person must say this prayer 3 consecutive days, after 3 days the request will be granted. This prayer must be published after the favor is granted. Thank you for favor received. T.C.

GOLD AND SILVER can protect your hard earned dollars. Learn how by calling Freedom Gold Group for your free educational guide. 1-866-930-7729

Volunteers NeededCOHOES – If you have a heart for young people and want to be a part of a miracle in the making, we need you! The Connect Project is an inter-agency partnership building an urban youth center in Cohoes. The setting of this much-needed resource is Good Ground Family Church, located at 49 Johnston Ave, Cohoes. We meet every Monday evening at 6:30pm and every Saturday at 8am. Some basic tools are provided - all you need to do is show up. For more information, check out our website www.connectproject.org or call our office 779-8745. (A)

Debtor’s AnonymousALBANY – Debtor’s Anonymous is a 12-step fellowship of men and women who share their ex-perience, strength and hope with each other that they may solve their common problem and help others to recover from compulsive debting. Group meets on Tuesdays at St. Andrew’s Episcopal Church (Room 5, upstairs), 10 North Main Street, Albany. For additional information, contact Donna at 588-3405. (A)


Albany, NY (October 15, 2012) –Do you have a love for animals and want to support a great local cause? Join with the Goldstein Auto Group and bring your empty bottles and cans to a Goldstein dealership and support the Mohawk Hudson Humane Society. The Mohawk Hudson Humane Society’s “Empties For Animals” campaign helps support the mission of the organization, including sheltering, adoption, education, advocacy and the prevention of cruelty to animals. This year’s goal is to raise $125,000, in honor of the Society’s 125th Anniversary. To reach the goal, the Goldstein Auto Group will need to collect more than 1,500,000 cans and bottles. The 2012 "Empties For Animals” campaign has raised over $73,000 thru Sept. 2012, an increase of $17,638 or 33% over the same period last year. The 2011 campaign raised a total of more than $74,000 and col-lected 925,000 cans and bottles. Volunteers sorted all those bottles and cans, based on the originating distributor, which in turn gener-ated $.08 per can or bottle instead of the regular $.05 redemption

fee paid at stores. Monies from the program were used to benefit the more than 6,500 animals cared for by the Society in 2011. “We are very pleased to continue our partnership with the Mohawk Hudson Humane Society and support the 2012 “Empties For Animals” campaign. We would like to thank all of our customers and the members of the community who have generously donated to such a worthy cause,” said Alan Goldstein, President of Goldstein Auto Group.

Goldstein Buick/GMC, 1671 Central Avenue, AlbanyGoldstein Chrysler Jeep Dodge, 613 Loudon Rd, Latham

Goldstein Subaru, 1754 Central Avenue, AlbanyGoldstein Mitsubishi, 1673 Central Avenue, Albany

IF YOU HAVE A LARGE AMOUNT OF CANS OR BOTTLES TO DONATE, PLEASE CALL STEFANIE GOLDSTEIN AT (518) 869-1250 or EMAIL: SRGT@GOLDSTEIN AUTO.COM TO ARRANGE A PICK UP.

The bottles can be dropped off at any

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Keep Them Coming!!Goldstein Auto Group Partners With Mohawk Hudson Humane Society for “Empties For Animals” Campaign

Donations up 33% at the end of 3rd Quarter

Bow Wow!Empties

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For the Love of Animals, Please Foster a PetCAPITAL REGION – The Capital District Humane Association needs people to provide a lov-ing, temporary home for our rescued dogs and cats while they are waiting to be adopted. Your help can make all the difference in helping to save lives. CDHA is an all-volunteer, no-kill res-cue group founded in 1988 to rescue unwanted, abandoned, abused, stray and otherwise needy animals throughout the Capital Region and beyond. CDHA is approved by the American As-sociation for the Prevention of Cruelty to Animals. Please contact Jennifer (664-3450) or Diane (899-0187) or visit our website: www.cdha.net (A)

Pet Photos with Santa Benefits APFLATHAM/SCOTIA - It’s time for your pet to visit Santa and get his picture taken! Come to Fad-degon’s Nursery, 1140 Troy-Schenectady Rd., Latham on Sunday, November 18 from 12-4pm and get a professional photo taken courtesy of Red Cottage Photography. 5x7 digital prints will be just $10 each and photo handbags will be available to order. There will be free cocoa and cookies for people and dog bone treats for dogs. All proceeds benefit the animals at the Animal Protective Foundation in Scotia. (P)

Entertainment Books to Benefit Homeless AnimalsSCOTIA - The Animal Protective Foundation, 53 Maple Ave. in Scotia is currently selling 2013 Entertainment Books. The books are $30 each and a portion of the sales goes directly to ben-efit the animals in the care of the APF. You can stop by and pick one up in the lobby during open hours, which are Tuesday, Friday and Saturday from 12 noon-4:30pm and Wednesday and Thursday from 12 noon-6pm. (P)

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Volunteers Desperately NeededCAPITAL REGION – Ad-irondack Save-A-Stray desperately needs volun-teers, foster homes, and your support! If you love animals and want to help please call 654-6220. (A)


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Arthritis Foundation Seeks VolunteersALBANY – We are looking for volunteers to give 3-4 hours per week to help out with general office duties, light maintenance, or program and event related projects. Training is provided. Make your own hours. Call Terry for more information at 456-1203. (A)

Cat Tales Rescue Needs Your HelpCAPITAL REGION – Cat Tales Rescue is looking for foster homes to shelter kittens and cats from living outside without food and warmth. We are a not-for-profit group dedicated to easing the suffering of stray and abandoned cats. Foster “par-ents” will share their homes and hearts with a cat/kitten in need without any long-term commitment or financial burden. All fosters are provided with food and litter and the cat/kitten’s medical needs are absorbed by Cat Tales Rescue. For more in-formation please call 248-9682 or email [email protected] (A)

Little People of AmericaCAPITAL REGION – A newly formed chapter of Little People of America is now in your area. Little People of America, Inc., is a national non-profit organization that provides support and information to people of short stature and their families. We are the only dwarfism support organization that includes all 200+ forms of dwarfism. Call Nicole at 209-8833 for more infor-mation. You can also check out our national website at www.lpaonline.org. (A)

Community Closet Thrift StoreCOHOES - Community Closet, a different kind of thrift store, serving the community for 4 years offering quality gently used clothing and household items. Good selections of clothing for all ages and sizes, infants to adults. Located at 158 Remsen St., Cohoes. Hours: Tuesday, 1-4pm; and Thursday, 10am-4pm. Also open the 2nd Tuesday of the month until 7pm. Sponsored by the Greater Albany Seventh-Day Adventist Church. (A)

Storytime at LibraryWATERVLIET – Storytime at the Watervliet Public Library ev-ery Wednesday at 6pm. The Library is located at 1500 Broad-way. Registration is required; call 274-4471. (A)


Across1. Bunsen burner valve (2 wds) 7. Dwell11. “___, humbug!”14. Secrets15. Sundae topper, perhaps16. “Am ___ believe ...?” (2 wds)17. Hot18. Genuine19. “Catch-22” pilot20. Compassionate23. Kind of lineup (hyphen-ated)25. “Relax, and that’s an order!” (2 wds)26. ___ Appia27. Grinder29. Wingdings30. Coastal raptor32. Comes to an end34. Willing to undertake new, daring enterprises 39. Entertained 40. ___ Scotia42. Charging need45. Clinch, with “up”47. Certain digital watch face (acronym)48. Units of light intensity 49. Long, narrow two-edged swords with guarded hilts

52. Dreads 55. “Rocky ___”56. “I, Claudius” role57. Admission pass 60. Fold, spindle or mutilate61. The Kennedys, e.g.62. “Seinfeld” gal63. “___ Cried” (1962 hit)64. “... or ___!”65. A small stream

Down1. Neon, e.g.2. “A jealous mistress”: Emer-son3. Bagpipes country 4. Accounts5. About6. Black and white bearlike mammals 7. Field worker8. Bow9. Practice10. Shepherd’s pie ingredients11. The plant and animal life of particular regions 12. Dead (2 wds)13. Lots21. Belches22. Justification23. “___ Maria”

24. 100 kurus

28. Holiday music

31. One who avoids giving a

direct answer

33. Instructions to report for

duty

35. Note

36. Outer layer of a pistachio

37. Heavy-napped cotton twill

fabric

38. “... happily ___ after”

41. Infomercials, e.g.

42. Asserts as a fact

43. 100 Indonesian sen

44. ___ State, nickname for

New York

46. One taking orders

50. WWI French soldier

51. Member of Quechuan

people in Peru

53. “-zoic” things

54. ___ of the above

58. Charlotte-to-Raleigh dir.

59. ___ el Amarna, Egypt

Crossword PuzzleVACATION PROPERTY

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CHECK IT OUT

• ALBANY COUNTY • • SARATOGA COUNTY •

• SCHENECTADY COUNTY • • RENSSELAER COUNTY •

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SEE WHAT’S HAPPENING IN YOUR AREA!

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BULLETIN BOARDS

CLASSES

PET ADOPTIONS

GROUP FUNCTIONS

Welcoming Friends of ColonieCOLONIE – Interested in socially networking with area women? Welcoming Friends of Colonie is a group of women of varying experiences and ages in the Capital District who meet September thru June. We have monthly evening meetings and offer many fun activities, such as bridge, Bunko and daytime outings. We also participate in community service. To learn more about the organization, please call Karen at 463-5607 or Ann at 482-6418. You need not be new to the area to join. (A)

Angels Needed!CAPITAL REGION – Soldiers’ Angels is a non-profit organization with the sole mission of aiding and supporting the brave men and women of the military, wherever we raise the flag of the United States of America. Many different levels of volunteering are needed. If you can help, please e-mail Bertha at [email protected] or Amy at [email protected] (A)

Family Storytime TROY – Family Storytime will be offered at the Troy Public Library at 10:30am on Wednesdays for children up to age 5, accompanied by parents and caregivers. We’ll share stories, rhymes and songs and simple crafts. Please call the Young People’s Dept. at 274-7071 to sign up. Visit us online at thetroylibrary.org (A)

Teen Craft Night at LibraryTROY – Join us for Sewing, Crochet and other Craft projects at the Lansingburgh Branch of the Troy Public Library on Wednesday evenings from 5-6:30pm. For additional information or to sign up, call 274-7071. 114th Street and 4th Avenue in Troy. www.thetroylibrary.org (A)

A Place for MomsCAPITAL REGION – A little place for moms and those who are TTC to get together, connect, share stories, and get valuable advice from other moms. Please check out our group www.Ma-masaurus.net. We hope to see you there. (A)

Support for Family CaregiversCOLONIE – The Town of Colonie Senior Resources Department provides individual support, assistance and counseling to family caregivers caring for an aging loved one or friend. For infor-mation and assistance please contact the Senior Resources Dept. at 459-5051. Caregiver support services are partially funded by Albany County Department for Aging. (A)


REAL ESTATE

REAL ESTATE

AUTOMOTIVE

AUTOMOTIVE

EMPLOYMENT

EMPLOYMENT

VACATION PROPERTY

DO YOU HAVE VACATION PROPERTY FOR sale or rent? With promotion to nearly 5 million households and over 12 million potential buyers, a statewide classified ad can’t be beat! Promote your property for just $490 for a 15 word ad. Place your ad online at fcpny.com or call 1-877-275-2726

RENTALS

PRIVATE HOUSE. Near Wa- terford GE. 2 BR, 1 ba. Lots of room. $1000. Good refs & credit. NP. Sec. 237-1500

SHELDON HILLSTown of Halfmoon. (2) luxury townhomes, 2 BR, 2 full bath. Appliances incl. Resort style amenities. $1800+ util. 1 year lease. NP. 373-9613 ext. 22.

WATERFORD APT. 2ND floor, rear. Fresh remodel. No pets, no smoking. 237-8805

MECHANICVILLE Newly renovated 2+BR. Upstairs. w/d hkup. gas heat. NS, NP. Sec. & refs. $700. 664-7385

STILLWATER, Russell Drive, 2 BR, ground floor. w.d hook-up, off street parking, electric heat. $800+ sec. NO PETS. (518) 573-8777

CLIFTON PARK: Sitterly Rd., 2BR apt. & 4-unit complex. $750. Sec., good refs & credit. 237-1500

MECHANICVILLE. 1ST FLR. 2 BR. Stove ,refrigerator, washer/ dryer,. Adults pref. No smoking/pets.. 664-7513

STILLWATER NEAR BATTLEFIELD, 3 BR, 2 bath. Ranch. semi fin. b’ment, no dogs, NS. $1050+ 587-6350

$750 NORTH COLONIE, 1BR attic apt., heat, HW & elec. incl. off-street parking, separate entrance. Rent + sec., month-to-month ok. 518-788-8022

CLIFTON PARK/ HALF- MOON DUPLEX 3 Large BR, 1.5 bath, w/d hookup, garage, finished basement. NS, NP. Deck,D/W, D/R, L/R. $1300 + sec. deposit. Avail. Nov. 15. 430-1007

ROUND LAKE - Exit 11 1 BR. $150 - $200/ week. Utilities, cable, phone, laundry. Call Wini 413-335-6690

ROOMMATE SUBURBAN Clifton Park. I am a disabled man, seeking a strong male assistant (lifting) at bedtime (11:30 pm) Central location to Albany, Schenectady, Sara- toga, & Troy. In exchange: I offer a rent free shared home, 1 hr. pay per evening worked ( 5 nights) and a private room. Also cable, hi speed internet , laundry facili- ties, and off street parking avail. Seeking an employed adult or responsible student (18 or older) Refs and back- ground check. 371-7456

COHOES 2 BR, 3nd flr.flat $625.+ utilities, references required. Call Dominick @ 518-495-6449

PARK AVE. STILLWATER. O/S parking, 2nd flr, kitc, full bath ,LR , DR, 1 big BR, 1 sm. Professionals pref. Quiet atmosphere. No pets./ smoking. $900/mo. incl heat. 664-2407

1 & 2 BR apts. Clifton Park. Newly renovated 1 & 2 BR apts. centrally located off Rt. 9 in Clifton Park. Brand new everything. Appliances, deck, parking. Pay rent weekly. No pets. 470-4927 or 848-4444

MECH. lg. 2BR, flat upstairs appls., no smokers, no pets, adults pref. $725. plus util., sec. & refs. Call 664-4998 LM

DON’T RENT. New 3BR double wide. Own for $639/mo. lot rent incl. Ballston Spa. Hoffman Homes. 884-8383 WanttoLivehere.com

1BR APT. WATERFORD Mechanicville area, ideal for single person, $500. Good credit, refs. & sec. 237-1500

Garden Homes ºCommunitiesFOR SALE OR RENT. 1 BR, 2 BR & 3 BR MANUFACTURED HOMES,FINANCING AVAILABLE. Ravena 756-7473/756-3629Troy 279-9572So. Glens Falls 798-5071 Colonie 373-0194Halfmoon 373-0194Clifton Park 383-0211 Latham 383-0211 Scotia 377-4519Selkirk 767-9134/ 767-2367Saratoga Springs 383-0211gardenhomesmanagement.com

ADULT COMMUNITY Minimum 55 years old. Mohican Hill Apts. Ballston Spa. Spacious 1 BR walk-in closets, storage, $700./ $725. Washer, dryer hookups. Low heat costs. No pets.885-4232

STILLWATER, N. Hudson Ave. 1 BR, small den, appliances, off st. parking, w/d. $640 mo. + sec. No pets. No util. refs. 371-0250

STILLWATER New 3 BR1140 sq. ft., w/d hk-up, central air, gas heat, o/s parking. No pets. $950 plus util. plus sec. Ground floor. 573-8777

Call 877-4730 Deadline Monday 4pm

Place Your

RealEstateClassified Ads With Us!

LET US HELP YOU SELL YOUR HOME!10 Papers • Reach Over 155,000 Homes

LET US HELP YOU SELL YOUR HOME!10 Papers • Reach Over 155,000 Homes

REAL ESTATE

BASS LAKE ON LAKE $29,900. 7 acres 100’ on lake. $39,900. www.LandFirstNY.com1-888-683-2626

WE BUY HOUSESWe are not realtors. 283-1358www.fourseasonsholdingsllc.com

“I WILL SELL Your Home For ONLY A 3% Comm. Full Service RE! Dream Street 788-6381HANDYMAN FARMHOUSE5 acres $69,900. 4 BR, 2 bath, solid. Must sell due to bankrupcty. Gorgeous country setting just off exit 30. Owner terms. Make offer! 1-888-701-1864. www.NewYorkLandandLakes.com

LANDHUNT TROPHY DEER!40 acres $59,900. 60 acres $79,900. 100 acres $119,900. Prime southern zone deer units! Streams, mature hardwoods, fields, apple trees. Close before open- ing day and we pay your clos- ing costs. 1-888-775-8114

MANUFACTURED HOMES

TROTTER VIEW ESTATES518-871-1500 **CALL NOW. Move in ready with deck & paved driveway. Brand new double wide homes. Established park on Saratoga City bus line. City water, sewer & natural gas. NYS Star Program rebate. Pay no more taxes!! Be in your new home for the Holidays.

BALLSTON SPA, NY: 1992, 14’x70’, 2BR, 1BA, new laminate floors and new bathroom. All appliances included. Northern Pines MHC. 12k, make an offer! Call 937-8836DON’T RENT. New 3BR double wide. Own for $639/mo. lot rent incl. Ballston Spa. Hoffman Homes. 884-8383 WanttoLivehere.com

MALTA GARDENS 2 BR, 2 ba. C/A, SW 14x70, good location in park. $23,500. Pinnacle Realty 728-8457

1995 CHAMPION TITAN $11,900 .2 BR, 2 ba, shingled roof, New windows, New furnace, refrigerator, stove, dishwasher, washer/dryer, Call 588-2319 for more information.

BALLSTON SPA. SHADY Acres MHP, lovely 2004 Fleetwood 3 BR, 2 ba. C/A, deck and shed, excellent condition. $42,900. Pinnacle Realty. 728-8457

VILLAGE MOBILE HOMES Huge inventory of Manufac- tured Homes in more than 20 communities throughout Saratoga County. Buying/Listing/Selling 885-0001

CLIFTON PARK ADULT Community. Lovely 14x80, 3br, 2 ba. 1999 Redman. EC. Fridge, range, washer, dryer. A/C, large shed & more! Reduced!! $25,900. Village Mobile Homes. 885-0001

MECHANICVILLE 2 BR mobile home on city lot. Newly renovated, o/s parking, $700+ util, N/P, N/S, sec & 1st mo. rent req. 924-7182

SCOTIA GLENVILLE 2 BR manufactured home for rent. Small pets considered. Con- venient to major highways, 28 ft. pressure treated decks, landscaped lot, paved off street parking, storage shed. $675/ month plus security. Call 377-4519.

CHECK IT OUT

• ALBANY COUNTY • • SARATOGA COUNTY •

• SCHENECTADY COUNTY • • RENSSELAER COUNTY •



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SEE WHAT’S HAPPENING IN YOUR AREA!

click on LOCAL

BULLETIN BOARDS

CLASSES

PET ADOPTIONS

GROUP FUNCTIONS

Welcoming Friends of ColonieCOLONIE – Interested in socially networking with area women? Welcoming Friends of Colonie is a group of women of varying experiences and ages in the Capital District who meet September thru June. We have monthly evening meetings and offer many fun activities, such as bridge, Bunko and daytime outings. We also participate in community service. To learn more about the organization, please call Karen at 463-5607 or Ann at 482-6418. You need not be new to the area to join. (A)

Angels Needed!CAPITAL REGION – Soldiers’ Angels is a non-profit organization with the sole mission of aiding and supporting the brave men and women of the military, wherever we raise the flag of the United States of America. Many different levels of volunteering are needed. If you can help, please e-mail Bertha at [email protected] or Amy at [email protected] (A)

Family Storytime TROY – Family Storytime will be offered at the Troy Public Library at 10:30am on Wednesdays for children up to age 5, accompanied by parents and caregivers. We’ll share stories, rhymes and songs and simple crafts. Please call the Young People’s Dept. at 274-7071 to sign up. Visit us online at thetroylibrary.org (A)

Teen Craft Night at LibraryTROY – Join us for Sewing, Crochet and other Craft projects at the Lansingburgh Branch of the Troy Public Library on Wednesday evenings from 5-6:30pm. For additional information or to sign up, call 274-7071. 114th Street and 4th Avenue in Troy. www.thetroylibrary.org (A)

A Place for MomsCAPITAL REGION – A little place for moms and those who are TTC to get together, connect, share stories, and get valuable advice from other moms. Please check out our group www.Ma-masaurus.net. We hope to see you there. (A)

Support for Family CaregiversCOLONIE – The Town of Colonie Senior Resources Department provides individual support, assistance and counseling to family caregivers caring for an aging loved one or friend. For infor-mation and assistance please contact the Senior Resources Dept. at 459-5051. Caregiver support services are partially funded by Albany County Department for Aging. (A)


REAL ESTATE

REAL ESTATE

AUTOMOTIVE

AUTOMOTIVE

EMPLOYMENT

EMPLOYMENTINTERESTED? APPLY ONLINE: www.livingresources.org or

APPLY IN PERSON @ 300 Washington Ave Ext., Albany • M-F, 8:30am to 3:30pm For Inquiries: [email protected] or 518-218-0000 x5555 EOE

STAFF NEEDED

GREAT BENEFITS, PAID TRAINING & CAREER ADVANCEMENT AT LIVING RESOURCES ... Selected as the

Not-For-Profi t Business of the Year by Th e Business Review!Start A New Career In A Growing & Truly Rewarding Field ...

Assisting People with Disabilities. PAY STARTING AT $9-$10.50/HR! FT, PT and Per-diem shift s in our 39 Residences.

7 Day Services, 7 Aft er School Programs or In-Home Support. 1st, 2nd & 3rd Shift s Available! NYS Driver’s License Required.

SARATOGA COUNTY OPPORTUNITIES

ATTENTIONPLEASE!

Times Union is in need of independent carriers.Earn over $1,000 per month, plus tips.

Routes available in all areas.

For more information, call 518-454-5689or visit timesunion.com/carriers.

TOYOTA and SCION OF CLIFTON PARKCOLLISION CENTER

I87, Exit 9 Rt 146 EastOpen Monday - Friday 8am - 5pm • CALL 664-6230

We Can Handle the SMALLEST SCRATCHESor the LARGEST COLLISIONS

ALL MAKES AND MODELS• FREEESTIMATES–NOAPPOINTMENTSNECESSARY• LICENSEDTODEALWITHANYINSURANCECOMPANY• ASECERTIFIEDTECHNICIANS

A NEW CAREER IS JUST 10 WEEKS AWAYADIRONDACK DENTAL ASSISTING SCHOOL, INC.

410 ROWLAND STREET • BALLSTON SPADENTISTRY

LOOKING FOR A CAREER, NOT JUST A JOB?Readers Digest called Dental Assisting one of the “RECESSION PROOF” CAREERS in the

March 2009 issue! For more info, VISIT OUR WEBSITE www.adirondackschool.comSATURDAY CLASSES • NEXT CLASS STARTS SAT., DECEMBER 1st

CLASSES ARE HELD FROM 8AM-5PM • Train while you keep your current job! PAYMENT PLANS AVAILABLE! Call Karen Today at 363-0008 and secure your place in our next class!

NYS LICENSED! We work with VESID, NYS Unemployment WIA Program and the Dept. of Defense! Dental Assisting can offer Great Benefits & Job Security!

BAZAR’S AUTO BODYFor All Of Your Mechanical Needs Come See Us!

160 VLIET BLVD., COHOES • 237-9594 Est. 1980

FULL SERVICE REPAIR FACILITYCollision Repair, Towing, Brakes, Tune-Ups, Exhaust, Diagnostics

REMEMBER ... IT’S YOUR CHOICE TO CHOOSE YOUR OWN REPAIR FACILITY

Better Business Bureau Accredited

Mention This Ad & Receive 20% OFF

Your Next Repair Over $250

ZONE TWO - Mailed to these Zip Codes: Luzerne - 12846 Hadley - 12835 Corinth - 12822 Greenfield Center - 12833 Middle Grove - 12850 Rock City Falls - 12863 Ballston Spa - 12020 Round Lake - 12151 Gansevoort - 12831 Saratoga Springs - 12866 Porters Corners - 12859

ZONE THREE - Mailed to these Zip Codes: Stillwater - 12170 Mechanicville - 12118 Northern Clifton Park - 12065 Halfmoon North - 12065 Southern Clifton Park - 12065 Halfmoon South - 12065 Waterford - 12188 Cohoes - 12047 Latham - 12110 Watervliet - 12189 Loudonville - 12211

BUY • SELL • RENT • HIRE • BUY • SELL • RENT • HIRE • BUY • SELL • RENT • HIRE

ALL ADS APPEAR ON OUR WEBSITE WWW.CRWNEWSPAPERS.COM

Pennysaver & Moneysaver ClassifiedsMail this order form to Classified Dept., PO Box 1450, Clifton Park, NY 12065

(ads must be received by Monday at 4:00pm) or call (518) 877-4730 or Fax to (518) 278-8013

1st Line (BOLD)

2nd Line

3rd Line

4th Line

Number of words on 4 lines is 15 to 20 depending on size of words. You will be notified of additional lines if your ad runs over 4 lines.

Additional lines $2 extra.

Bold line 50¢

Place my ad in:

Zone Two

Zone Three

Both Zones

The Weekly

The Advertiser

# Extra Lines @ $2 ________________ # Extra Lines Bold @ 50¢ _____________________________________

Charge For Ad _________________ x # of Weeks _____________ Total ____________________________

Charge # _______________________________________ Exp ______ / _____

Name __________________________ Signature ___________________________________________________

Address ____________________________________________________________________________________

City ___________________________________ State _______ Zip _____________________________________

Phone ( _____ ) ______________

All ads are prepaid with no refund for cancellations, however a credit will be given to use for future ads

Personal Ads General Misc.

$1050for Zone 2 or Zone 3

$1800for Zone 2 and Zone 3

Business & Service or Help Wanted Ads$1700

for Zone 2 or Zone 3


Real Estate & Rental Ads



$2950PERSONAL ADS

$4550BUSINESS ADS

$4950REAL ESTATE ADS

Reach 155,000 Homes and Businesses In Saratoga, Rensselaer, Schenectady & No. Albany CoPENNYSAVAER • MONEYSAVER • THE Bi-WEEKLY • THE ADVERTISERBEST

BUY4 Lines Or 15-20 Words, $5.00 Each Additional Line.

CRWNEWSPA

PERS.COM

Place Your Employment Classified Ads With Us!

Get Good Local Candidates To Respond Immediately!

You’re just one brief moment away …

Reach Over 155,000 Homeswith 10 Papers

CALL 877-4730 • Deadline Monday 4pm

INTERIM HEALTH CARE HIRING PCA’s & HHA’s

All days & hours available. Weekend differential paid.

Must have solid work history, reliable car & driver’s license

Albany 452-3655. Ballston Lake 877-3811.

Columbia County 610-8145, Glens Falls 798-6811 E/O/E

PERFECT JOB for parents that need flexibility or people that like to stay active! Grow- ing res. cleaning co. looking for highly motivated individuals. Mon.-Fri., 8:30a-3p. Must own a vehicle and have a clean driver’s lic. Must love to clean and have a good atti- tude. Call 384-DUST today or stop by 810 Route 50, Burnt HIlls Plaza. (lower level).

DRIVERS: HOME NIGHTLYAlbany, NY. Flatbed/ Curtain- side runs! Great pay, benefits! CDL-A, 1 yr. exp.req. Estenson Logistics. Apply www.goelc.com. 1-866-336-9642

REAL ESTATE APPRAISAL office in Clifton Park. 30-35 hrs. Computer input. $10/hr. 371-3788

ATTENTION: Water Tech. & Customer Service positions: Training provided. Must be a HS Grad Starting $535 per wk. Benefits & bonuses. 899-6519 H2o Solutions

LIVE IN PCA OR HHApositions avail. 2 - 5 days per week. Call Concepts of Health Care @ 885-2020

Seasonal Pick/ Packers100 Jobs in Malta. Part to full time. 1st shift. Call Accustaff for appointment. 396-5866.

SNOWPLOWING/ DRIVER Landscape, Crew leaders, members. Self motivated, experienced, highly rewarding. Fax resume 664-4256. E-mail [email protected]

FAIRFIELD INN & SUITES exit12, Malta, now accepting applicants for front desk F/T& P/T, night audit 11pm-7am. F/T housekeeping, F/T breakfast. Apply in person. 101 Saratoga Village Blvd. Malta

AIRLINES ARE HIRING: Train for hands on Aviation career. FAA approved program. Financial aid if qualified. Job placement assistance. Call Aviation Institute of Maintenance 1-877-202-0386

UNITED BUILDING MAINT., PT cleaner, must have transportation, Saratoga. Fax resume to 518-218-7057 or call 518-452-2809

NOW HIRING: COMPANIES desperately need employees to assemble products at home. No selling, any hours. $500 weekly potential. Info. 1-985-646-1700 Dept. NY-968

PT PRESS PERSON Small print shop. A. B. Dicks/ bind- ery. Must have experience. 371-4649

WE TAKE PRIDEin the Classifi ed Advertising Department in trying to screen unwanted,

or misleading ads and/or bogus businesses in our Classifi ed section.Unfortunately, there are a few that slip through the cracks. Please be cautious any time

you answer an ad and you are asked for a credit card or other personal information. Be sure to ask for references from any business you are unsure of or unfamiliar with.

Classi ed Advertising Dept.w

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CHECK IT OUTNow You Can

1. VIEW OUR ADS ONLINE BY CATEGORY

2. LEARN MORE ABOUT THE BUSINESSES THAT ADVERTISE IN OUR PAPER

3. DOWNLOAD COUPONS AND PRINT OUT ADS


REAL ESTATE

REAL ESTATE

AUTOMOTIVE

AUTOMOTIVE

EMPLOYMENT

EMPLOYMENT

BROADWAY USED TIRES

Hundreds Of Hankook Snow Tires

In Stock and On SaleName Brand New Tires

Also Available!

SAVE UP TO 70% OVER NEW TIRE PRICES

Thousands of High Quality Used Tires For Cars, SUVs, and Light Trucks

We Do Mounting, Balancing and Tire Repair

1471 BroadwaySchenectadyTel (518)346-8706Fax (518)346-8708

163 West Main StreetAmsterdam

Tel (518)627-4236Fax (518)627-4238

Limit One Coupon Per Customer.

$5 OFF On Pair Of Tires (2 TIRES)

$10 OFF On Set Of Tires (4 TIRES)

HIGHESTCASH PAID

for

Junk CarsNo Title--

No ProblemCall Jerry 321-5457

BAZAR’S AUTO BODYFor All Of Your Mechanical Needs Come See Us!

160 VLIET BLVD., COHOES • 237-9594 Est. 1980

FULL SERVICE REPAIR FACILITYCollision Repair, Towing, Brakes, Tune-Ups, Exhaust, Diagnostics

REMEMBER ... IT’S YOUR CHOICE TO CHOOSE YOUR OWN REPAIR FACILITY

Better Business Bureau Accredited

Mention This Ad & Receive 20% OFF

Your Next Repair Over $250

CASH FOR CARS and trucks. Get a top dollar instant offer! Running or not! 1-888-416-2208

1996 CHEVY ASTRORebuilt engine (5 miles) many new parts, etc. Call for details $3000 obo. 321-9000

Autos Wanted: Cash paid. Junk cars/trucks/vans. Free towing. No title needed; same day serv. 370-6166 768-3009

CASH FOR JUNK CARS. $100-$500.CALL 365-3368

2004 HONDA PILOT EX-LAWD. Fully loaded. drives great & looks good. Ext. mid- night blue w/ grey leather int. New tires in 1/11 new brakes in 7/12. $9500 obo. 321-3605

CAR FOR SALE: 2002 Nissan Sentra, Good cond. Asking $3,600 obo. 518-364-2372

MOTORCYCLESWANTED ALL MOTORCY- CLES & Memorabilia pre 1985 $TopCash$ Paid! Run- ning or not. 1-315-569-8094

ZONE TWO - Mailed to these Zip Codes: Luzerne - 12846 Hadley - 12835 Corinth - 12822 Greenfield Center - 12833 Middle Grove - 12850 Rock City Falls - 12863 Ballston Spa - 12020 Round Lake - 12151 Gansevoort - 12831 Saratoga Springs - 12866 Porters Corners - 12859

ZONE THREE - Mailed to these Zip Codes: Stillwater - 12170 Mechanicville - 12118 Northern Clifton Park - 12065 Halfmoon North - 12065 Southern Clifton Park - 12065 Halfmoon South - 12065 Waterford - 12188 Cohoes - 12047 Latham - 12110 Watervliet - 12189 Loudonville - 12211

BUY • SELL • RENT • HIRE • BUY • SELL • RENT • HIRE • BUY • SELL • RENT • HIRE

ALL ADS APPEAR ON OUR WEBSITE WWW.CRWNEWSPAPERS.COM

Pennysaver & Moneysaver ClassifiedsMail this order form to Classified Dept., PO Box 1450, Clifton Park, NY 12065

(ads must be received by Monday at 4:00pm) or call (518) 877-4730 or Fax to (518) 278-8013

1st Line (BOLD)

2nd Line

3rd Line

4th Line

Number of words on 4 lines is 15 to 20 depending on size of words. You will be notified of additional lines if your ad runs over 4 lines.

Additional lines $2 extra.

Bold line 50¢

Place my ad in:

Zone Two

Zone Three

Both Zones

The Weekly

The Advertiser

# Extra Lines @ $2 ________________ # Extra Lines Bold @ 50¢ _____________________________________

Charge For Ad _________________ x # of Weeks _____________ Total ____________________________

Charge # _______________________________________ Exp ______ / _____

Name __________________________ Signature ___________________________________________________

Address ____________________________________________________________________________________

City ___________________________________ State _______ Zip _____________________________________

Phone ( _____ ) ______________

All ads are prepaid with no refund for cancellations, however a credit will be given to use for future ads

Personal Ads General Misc.



Business & Service or Help Wanted Ads$1700

for Zone 2 or Zone 3


Real Estate & Rental Ads



$2950PERSONAL ADS

$4550BUSINESS ADS

$4950REAL ESTATE ADS

Reach 155,000 Homes and Businesses In Saratoga, Rensselaer, Schenectady & No. Albany CoPENNYSAVAER • MONEYSAVER • THE Bi-WEEKLY • THE ADVERTISERBEST

BUY4 Lines Or 15-20 Words, $5.00 Each Additional Line.

FOR SALE: ‘2004 Ford Excursion Ltd. diesel, all black ext., tan leather int. Exc. cond. <60k mi. Asking $22,000. 371-3277


Our

F & I Department

Has Over 30 Years

of Experience in

Achieving Your

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Our

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Has Over 30 Years

of Experience in

Achieving Your

Financial Goals

Check Our Pre-Owned Inventory On-line

Check Our Pre-Owned Inventory On-line

2012

Inventory

Must Go!

All New 2013 On The Lot For Viewing

All New 2013 On The Lot For Viewing

FAMILY OWNED AND OPERATED . PERSONALIZED SERVICE . MORE ATTENTION TO DETAIL

1.518.785.4161637 Columbia Street • Latham, NY 12110 / WWW.LATHAMFORD.COM • EXIT 7 OFF THE NORTHWAY

FAMILY OWNED AND OPERATED . PERSONALIZED SERVICE . MORE ATTENTION TO DETAIL

1.518.785.4161637 Columbia Street • Latham, NY 12110 / WWW.LATHAMFORD.COM • EXIT 7 OFF THE NORTHWAY

WWW.LATHAMFORD.COM

Why? You Will...* Be Treated Like a Professional* Drive the Car You Want Home

* Get the Deal You Deserve

Why? You Will...* Be Treated Like a Professional* Drive the Car You Want Home

* Get the Deal You Deserve

If You Have Decided To Buy A New Then Buy It From ! If You Have Decided To Buy A New Then Buy It From !

New 2013 Ford EscapeNew 2013 Ford Focus

2012

Inventory

Must Go!

New 2013 Ford F-150

You get more at...

We Will Be Promoting The Shop Locally & Save Theme All During the Holiday Shopping Season - Call to reserve your Holiday space!

Minimum Size 3x1 1/2 • Minimum Size 3x1 1/2

SPECIAL BONUS RATESSign For 3 Weeks

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Pennysaver and Moneysaver(518) 877-7160 (Fax 877-7824)

2 Rosell Drive, Ballston Lake, NY 12019, P.O. Box 1450, Clifton Park, NY 12065

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The Bi-Weekly(518) 399-9133

(Fax 399-8710)411 Ballston Road, Scotia, NY 12302

SIGN FOR 5 WEEKS

GET FREE4 COLOR

PLUS Double The SizeOf Your Ad In Our

December 20th Publication

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COLORADD 4 COLOR

only $25 per zone

Corinth(518) 654-9331

(Fax 654-2935)217 Maple Street, Corinth, NY 12822

The Bi-Weekly Publication Dates November 20th and December 6th and 20thNovember 20 th, 29 th, December 6th, 13 th & 20 th

We Can Deliver Your Holiday Message Right Into YOUR

CUSTOMER’S HOMES With Our 5 Week

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PROMOTING OUR

$500To Our Readers/Your Customers

Plus 5 Advertisers Will Also WIN $100 FREE ADS

GIFT CERTIFICATE GIVE-A-WAY

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Businesses Selling Trees, Wreaths and Other Decorations Please Call 877-7160

and ask for a Sales Rep in your area!

CHRISTMAS TREE GUIDE

November 29th December 6th & 13th

DEADLINES: Friday Prior To Publication Date

FREE 4 COLOR!

Take Home the Perfect Tree!

PENNYSAVER • MONEYSAVER • THE BI-WEEKLY • THE ADVERTISER

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