life and homes northern new york

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Northern NY Life and

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Memory Making Homes

Welcome Home Gridlock in our village means three cars waiting at the stop sign. It's a Mayberry kind of town which suits me just fine. There is a catch. Every visit to the grocery store, post office or church requires a car. I guess that's what caught my eye when a came across the recent study conducted by the Center for Neighborhood Technology. Their research revealed only two in five American communities are affordable to typical households when you factor in the cost of both housing and transportation. (Is This House As Affordable as You Think, pg 3). It's not a topic we hear a lot about but it's certainly something to take into consideration when crunching numbers and deciding the location of your next home purchase.

Speaking of crunching numbers, we have some great ideas on how to save on spring home improvement projects in this issue and online at www.LifendHomes.com. You'll find DIY projects and easy cost cuttings tips along with information on how to cash in on the remodeling tax credit which is available through the end of 2010.

Local real estate participants report an increase in market activity within the past few weeks. That's welcome news for any community. If you're putting your home on the market, take time to read this month's feature story, Home Inspections Help You Sell. Positioning your home to stand out in a crowded market can be as simple and inexpensive as decluttering, cleaning, completing simple renovations and repairs and ridding the lawn of last year's leaves and debris. Stack the deck in your favor even further by investing in deal-sealer items like a pre-sale home inspection and professional staging.

LifeandHomes, LifeandHomes.com and our advertising sponsors stand ready to help as you buy or sell your home. It's our way of supporting the communities we live and work in. This issue and our online, all-inclusive listing service showcases local business services and features for sale listings from Realtors, Investors, For Sale By Owners, Contractors, Manufactured Home Builders, Developers, and Commercial Developers all in one convenient place. Browse through the property listings, articles and helpful resources, then visit www.LifeandHomes.com and use the easy search options to see even more for sale properties.

jefferson-lewis co. nY, editionPublished By

LIFEANDHOMES, INC.

Publication franchise rMcDAvID P. LISI

corporate editorKIM LISI

[email protected]

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Press Releases or Letters to the Editor Our e-mail address is [email protected](Please do not send attachments)

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lifeandHomes MagazinePO Box 18 Holland Patent, NY 13354

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April 23, 2010

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Life and Homes is published monthly by Lisi Merchant Solutions, Inc.

Every effort has been made to ensure that home listings, advertisements and

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this information has been compiled from public records and other sources we believe

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the absence of restrictions on use and are not responsible for any liability, loss, or risk that subscribers may incur, directly or indirectly,

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Copyright © 2010 LifeandHomes, Inc.

Life and

Homes

David P. Lisi

David P. Lisi , RMCReal Estate Marketing Consultant315-865-5845 • [email protected]

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2 We bring people and homes together.

Is This House As Affordable as You Think? A new analysis by the Center for Neighborhood Technology (CNT) shows that only two in five Ameri-can communities—or 39 percent—are affordable for typical house-holds when their transportation costs are considered along with housing costs.

The Housing + Transportation (H+TSM) Affordability Index examines 337 metro areas across the country—encompassing 161,000 neighborhoods and 80 percent of the U.S. population—and provides the only comprehensive snapshot of neighborhood affordability by accounting for combined housing and transportation costs associated with a community.

For most families, transportation is the second largest household expense. The new analysis shows that for many families in “drive ‘til you qualify” zones, savings realized from lower cost housing are eliminated by unexpectedly high transportation costs. Yet, it is difficult for consumers and policymakers to estimate the full costs of a location, including the cost of both housing and of transportation. This lack of information can lead families to unknowingly make housing decisions that cause them to live beyond their means as gas prices rise and commutes grow longer. A community’s average transportation costs can range from 12% of household income in efficient neighborhoods with walkable streets, access to transit, and a wide variety of stores and services to 32% in locations where driving long distances is the only way to reach essential services.

To explore the H+T Index or obtain a copy of Penny Wise, Pound Fuelish visit: http://htaindex.cnt.org/.

Census scam AlertHarrisburg PA Mayor Linda Thompson has already been the victim of a census scam. She received and filled out a census form a few weeks ago and didn't realize it was a fake form until her legitimate census form arrived shortly thereafter."You know, I was just eager to be a leader in the city that fills it out and didn't think that the census had said they don't ask for Social Security numbers and they even asked for my address and where I worked and my job title. So, there you have it -- buyer beware," says Thompson. She is now taking steps to prevent identity theft.

LifeandHomes reminds readers that The Census Bureau does not conduct the census via the Internet and does not send out emails. The Census Bureau never asks for your full social security number, PIN numbers, passwords or access information for credit cards banks or financial accounts.

You may verify if a collection activity is legitimate by calling your regional census office regarding mail surveys, or call 301-763-INFO (4636) for general Census Bureau information

Don't Let termites Put The Bite On Your HouseThe National Pest Management Association (NPMA),reports termites cause more than $5 billion in property damage each year across the U.S.and damage from wood-boring insects is typically not covered by homeowners' insurance policies.

The best way to effectively treat an existing termite infestation is through professional pest control, but there are steps homeowners can take to help keep the pests from invading in the first place. For instance, simple things, such as keeping tree branches and shrubbery well trimmed and away from the house, can help.

The experts at the NPMA also recommend these tips for controlling termites:

• Seal cracks and holes on the outside of the home, including entry points for utilities and pipes.

• Keep basements, attics and crawl spaces well ventilated and dry.

• Repair leaking faucets, water pipes and AC units.

• Repair fasciae, soffits and rotted roof shingles. Some termites are drawn to deteriorating wood.

• Replace weather stripping and repair loose mortar around basement foundation and windows.

• Store firewood at least 20 feet away from the house and 5 inches off the ground.

• Routinely inspect the foundation of your home for signs of mud tubes (used by termites to reach a food source), cracked or bubbling paint, and wood that sounds hollow when tapped.

• Direct water away from your house through properly functioning downspouts, gutters and splash blocks.

• visit www.pestworld.org to find a qualified pest professional for additional advice and treatment if necessary. (NAPSI)

Don’t miss that Special Home you’ve been looking for.Have a PDF sent right to your email.

visit www.LifeandHomes.comClick on the magazine

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newsshortsNo Drip SavingsDrip. Drip. Drip. The average American household wastes more than 10,000 gallons each year from easy-to-fix water leaks, adding up to more than one trillion gallons of water lost annually nationwide. Many of these leaks have do-it-yourself fixes that could cost only a few dollars to address.

The U.S. Environmental Protection Agency's (EPA's) Water-Sense program is encouraging homeowners to find and fix leaks to save more than 10 percent on utility bills now and help save water for future generations.

1. find leaks: Winter water use can be an indicator of household leaks. If use exceeds 12,000 gallons per month for a family of four, chances are good that you have a leak. Walk around your home with eyes and ears open to find leaks, and don't forget to check pipes. Reveal a silent toilet leak by adding a few drops of food coloring to the tank and wait 15 minutes without flushing. If bowl water changes color, your toilet has a leak. Flush afterwards to avoid staining the bowl or tank.

2. fix leaks: Many times, fixing leaks can be done yourself and doesn't have to cost a thing. Both faucets and showerhead connections can be tightened or sealed. For leaky toilets, the rubber flapper inside the tank is often the culprit. Over time, the flapper decays, but replacing it only costs a few dollars. If you don't feel comfortable with these repairs, a licensed contractor can help. Irrigation systems and outdoor spigots can also have leaks. A WaterSense irrigation partner who is certified in water-efficient irrigation technologies and techniques can ensure your irrigation system works properly.

3. save water: Dripping faucets can waste more than 3,000 gallons per year, a shower-head leaking 10 drips per minute about 500 gallons per year, and running toilets 200 gallons

or more each day. Fixing household leaks not only saves water, but also energy and money on utility bills.

If you need to replace plumbing fixtures, save even more water by replacing them with WaterSense-labeled models. WaterSense labels toilets, faucets, urinals and--coming soon--showerheads that use at least 20 percent less water and are independently tested and certified to perform as well as or better than standard plumbing fixtures.

For more information and tips about how to save water, visit www.epa.gov/watersense. (NAPSI)

Federal Remodeling tax creditThe tax credit for energy efficient replacement

windows and doors, originally introduced in 2009 as part of the American Recovery and Reinvestment Act, is set to expire at the end of 2010, making this year the best time for homeowners to replace their windows and upgrade the look and feel of their home.

Ply Gem, a leader in the building products industry, offers some tips and guidelines to help homeowners make the most of the energy efficient replacement window tax credit.

Homeowners can receive a tax credit worth 30 percent of the purchase price of qualifying energy efficient windows, up to a maximum of $1,500 if purchased and installed by Dec. 31, 2010.

To redeem the credit, be sure to save your invoice that shows a breakout of window and installation costs, the National Fenestration Rating Council (NFRC) labels from all windows and doors and the manufacturer’s certificate.

Energy efficient windows that meet the tax qualifications offer more savings than a one-time federal tax credit. The Alliance to Save Energy says that sealing and insulating your house – including

utilizing energy efficient windows – is a great first step to take when improving your home’s energy efficiency. To learn more, visit www.plygemwin-dows.com or www.recovery.gov. (ARA)

Room For What??? "Room to grow" takes on new meaning with this residential listing.

LifeandHomes provides

Free Access to

High Definition real estate

Videos on Demand

Local Homes For Sale

Go to www.LifeandHomes.com

click on

“Video Channel”

To Learn more about Life on Demand videos Contact- V Productions at 315-520-3524 or

email: [email protected]

LH

Property Information for 7659 Riles Road4 Bdrm 4 bath 4,400 sq./ft. hillside home on 4 plus acres, 7 min. from Middleton. Master suite with whirlpool and deck. Fieldstone fireplace, wraparound porch, storm/wine cellar, spectacular room to grow marijuana, open floor plan, elevator and handicap accessible with in-law suite. 2 1/2 car garage with lower level shop. Separate 40' x 60' commercial grade shop with loft, office and 3/4 bath. Perfect for toys or animals. Middleton-Cross Plains schools. $675,000

(Source - www.lovelylisting.com)

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newsshorts

When you're ready to sell your home in the current market, you need to take every step you can to ensure a timely sale at the price you want. A surplus of homes for sale means that yours needs to stand out in style, amenities and quality to make an impression on potential buyers. The more steps you take to make your house sale-ready, the better results you'll get.

Currently, home sales are at a historic low -- so what do you need to do to buck that trend? Updated decor and proper staging certainly help present your home well, but don't think that cosmetic fixes are all you need. Buyers want to know the home they're considering is safe and sound, and the best way to establish that is to hire a home inspector.

Twenty years ago, it seemed extravagant to hire a home inspector, but today it's standard practice. Buyers will often bring their own inspectors to the table, so you need to start by hiring one yourself. Hiring a professional will give you a realistic perspective on what's going on in the bones of your home.

"In a down market, a pre-sale inspection can make a home stand out," says David Tamny, president of the American Society of Home Inspectors. "More and more, sellers are obtaining pre-sale inspections to help uncover and address potential issues before the first prospective buyer walks through the door. This simple step allows for better planning and lowers repair costs, adds value to the home, and it could increase the likelihood of an offer."

Even if someone in your family is handy, a professional home inspector will be able to point out issues that might go unnoticed by someone who doesn't know the ins and outs of inspecting. Today's buyers are quick to point out flaws uncovered by the home inspectors they bring with them, particularly if the flaws could compromise health or safety.

Buyers can use problems as bargaining chips, causing previously agreed upon prices to be lowered or even the cancellation of a deal. Inspections help uncover imperfections that often can be fixed easily and inexpensively, so it's worth it to get your home inspected before you list it.

In addition, a good inspection can raise the likelihood of an offer being placed on your home. Buyers are looking for security. If you can show them

your home has been inspected, they'll feel more comfortable with it. That confidence often equates to more dollars in your pocket when you agree to the sale.

The areas covered in home inspections are: the major systems and components such as the foundation, exterior siding, flashing and trim, the roof, plumbing, electrical and heating and cooling units. In addition, some home inspectors offer additional services including radon testing, energy assessments and pool and spa inspections.

The current housing market requires a proactive approach to selling, and to get the result you want, you have to think about every aspect of your home. Having a home inspection can add value to the property, speed up the negotiation process, increase the likelihood of an offer and, most importantly, help sell your home. ( ARA)

Home inspections Help You Sell

new Millennium Marketing: Mike Bova, founder of Madison

County Courier and Publisher

for MP3 Publications shares how

technology and highly effective

marketing tools are fueling rapid

growth of his upstate newspapers.

survive & thrive: Eric Lorri, Executive Director

& Founder Freedom Guide

Dogs, http://www.Freedom-

GuideDogs.org , reveals his

business tips for surviving and

thriving through the recession.

This Month on Spotlight:

Book networking:Therese Jensen-Lacey talks

about book networking and her

inclusion in the new Chicken

Soup book, "Older & Wiser:

Stories of Inspiration, Humor,

and Wisdom about Life at a

Certain Age"

TALK RADIO

Interviewing successful people and revealing their winning strategies.

Join the Conversation

Over 3000 Listening Downloads Last MonthYour business can be featured on our show! Call us at 315-235-3753.

LIVEAND ONDEMAND

Thursday’s at 7:00pm ET.To Be a Part of the ShowCall In 646.478.4353

Co-Hosted by Rob Thrasher& Sal Valente

Listen Live or Log On Anytime at www.LifeandHomes.com - Click on Talk Radio

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Your All Inclusive Home Directory lifeandHomes.com

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

James WileyLicensed R.E. Assoc. BrokerBowes Realty

Bowes Realty: 315-686-3315Phone: 315-778-1360 Email: [email protected]

I consider this region an excellent place to reside and would love to share with you my enthusiasm for the many neighborhoods that encompass it. I pride myself on provid-ing unparalleled service and look forward to developing a long-term relationship with you. I am also an AccreditedStaging Professional TM able to advise you on preparingyour home to sell quickly and for top dollar.

Ruth VarleyLicensed Associate Real EstateGarlock Realty Broker

Phone: 315-375-7860 Email: [email protected]

WHOLESALE PRICING

HANK’S CARPET691 Varnell Road • Exit 341 • Tunnel Hill, GA 30755706.673.2410 • 800.356.1253 • 706.673.2996 fax

www.hankscarpet.com

Since we are located in the "Carpet Capitol of the World", Dalton, Georgia, we offer up to 60% savings and a wide variety of styles, colors, and sizes. Our policy is to sell a full line of flooring products at wholesale carpet prices.

10 Chayne Circle 3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #32965Front Porch RealtyDeborah Schaefer • 315-836-3578

LIc. R.E. Broker • [email protected]

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

Alexandria Bay $75,000

208 Brown Blvd 3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.comType in Quick Search #33946Condino Realty NY, LLCJudy A. Condino, GRI • 315-405-8127

Lic. R. E. Broker • [email protected]


Brownville $179,900

20092 CR59 2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41035Elliott Realty, Inc.George Briggs • 315-782-8498

Lic. R.E Salesperson • [email protected]


Brownville $137,500

Dablon Point Rd. Lot A Waterfront Lot

For more details visit www.LifeandHomes.comType in Quick Search #41224Bowes RealtyAllen Walker • 315-771-8189



Cape Vincent $115,000

32322 State Route 12E 2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #33531Bowes RealtyJames Wiley • 315-778-1360

Agent • [email protected]



6383 Failing Shores Lane 2 Bedrooms




Chaumont $229,500

27738 Dablon Point Road Waterfront Lot





273 E James St 3 Bedrooms / 1.5 Baths





45226 Taylor Road 5 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41018Coldwell Banker-Rimada RealtyLisa Watson • 315-286-9682




46680 Log Hill Road 3 Bedrooms / 3.0 Baths





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lifeandHomes.com Your All Inclusive Home Directory

Business Opportunities

from Real People.Do you seek to leverage your existing business or personal

network to boost, or create, revenue?

Maybe you want to start a new business, but you’re inundated by bogus biz opp spams and scam. Come see the CyberVillage list of business opportunities and we will help you cut through the maze.

--> Learn more here: http://Business.CyberVillage.com

Disclaimer: All business includes some risk. Nothing is ever guaranteed in business. Please consult with an attorney before starting a business.

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

If you are thinking of listing your home or want to buy please feel free to call us at 315-493-2134, we are full time Realtors

and available 7 days a week.

Welcome home the 3rd BCT from Afghanistan and the Apache Unit to Fort Drum

ROME RSA REALTY LLC315 493 2134

located at 11006 State Rte 26, Carthage, NY

719 James St 4 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #33795Bowes RealtyGeorge Bowes • 315-771-6543

Lic RE Broker/Owner • [email protected]


Clayton $134,900

19073 State Rt 12f 3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41063Coldwell Banker-Rimada RealtyFrank Roberts • 315-788-4444



Dexter $109,000

Luxurious New Lakefront in Eveleigh Point 3 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41177Lake Ontario RealtyAmanda Miller • 315-639-6180

Lic. R.E. Broker • [email protected]


Dexter $439,900

28333 Rogers Road 4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41050Christensen Realty USAErnest Scribner • 315-222-3153

Lic. R. E. Salesperson • [email protected]


Evans Mills $294,900

177 Mitchell Road 2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #33411Garlock RealtyRuth Varley • 315-375-7860

Lic. R.E. Salesperson • [email protected]


Heuvelton $125,900

31316 Shantyville Road 2 Bedrooms / 1.0 Baths




La Fargeville $49,500

Cedar Log Cabin on Lake, Pillar Point 2 Bedrooms / 1.0 Baths




Dexter $219,000

7257 Bull Rock Point Road 5 Bedrooms / 2.0 Baths




Harrisville $190,000

16899 Hilltop Lane 2 Bedrooms / 2.0 Baths




Clayton $118,500

3093 CR 17 5 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #33836Byrns RealtyBradley Byrns • 315-287-1789



De Kalb Junction $59,900

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Deborah Schaefer, GRI, CBRBroker Owner

42781 NYS Route 12Alexandria Bay, NY 13607

(315) 836-3578 Offi ce(315) 836-3539 Fax(315) 778-9280 Cell

[email protected]

$48,000 • 306 Mill Street • TheresaWell maintained single wide at a great price with cheap municipal power and public sewer and water. All new windows and doors and a new metal roof as well. The newer appliances are all included. Inexpensive living and low maintainance are all summed up in this home with a generous lot and an older barn for storage. For more information, call Katharine Dickson, Lic. R.E. Salesperson (315) 783-2104

$135,000 • 624 Hamlin Street • WatertownBeautiful, energy effi cient, home in a quiet area. Consists of 2 lots side by side, 624 and 618 Hamlin St. Has 3 bedrooms, 1.5 baths, full basement and stairs to attic. Garage w/ 5 stalls, for your cars & winter toys. Windows, insulation, water-heater, electrical have been updated to Energy Star standards. To see this property, Call Misty Atwood, Lic. R.E. Salesperson, (315) 777-6543

$135,000 • 642 & 644 Bronson Street • WatertownTwo family on deep lot. Upper and lower next to a single family Cape Cod. Large new garage w storage. Live in the Cape Cod and let the two family help pay the mortgate. Separate utilities and appliances included. Covered rear deck on the Cape Cod. To see this property, call Katharine Dickson at 315/783-2104

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Lisa Watson Lic RE SalespersonColdwell Banker Military Markets Specialist(P) 315-286-9682(E) [email protected](W) softmls.com/realtorwatson

Rimada Realty1063 C Arsenal Street

Watertown, NY 13601(P) 315-788-4444(F) 315-788-5235

35033 Lot 923 Eddy Rd 3 Bedrooms / 2 Baths

Theresa $43,500

Minutes from Ft. drum and local shopping, this wonderful double wide is ready for a new owner to call it home. Private area with great views. Looking from the front porch, enjoy the wilderness - park area and pond area are close by as well.Go to LifeandHomes.com and Type in QSN#41022

13115 County Rt 156 3 Bedrooms / 2 Baths

Watertown $219,000

5 acres w 2 stocked ponds. downstairs features high ceilings, garden window, sliding glass door that leads to screened in porch overlooking pond. New wood stove in LR, Kitchen w large island a sliding glass doors that lead to another porch overlooking pond.Go to LifeandHomes.com and Type in QSN#33792

1165 Academy Street3 Bedrooms / 1.5 Baths

Watertown $119,900

Minutes from Fort drum. Nice open space as you enter front door. dining room has lots of light and new bamboo flooring. Large LR includes built in shelves and fireplace w new mantel and new electrical wiring for your tv.Go to LifeandHomes.com and Type in QSN#41016

122 Colorado Ave4 Bedrooms / 2 Baths

Watertown $179,900

Stunning home with lots of space. Very large kitchen, plenty of counter space and cabinets. Updates include: New siding, newer windows, new appliances, some new insulation, beautiful deck that`s great for entertaining, and much more.Go to nnymls.com and Type in MLS#S226093

45226 Taylor Road5 Bedrooms / 3 Baths


1 year free home warranty included. Landscaped front and back yards, Huge back deck, firepit. entry and LR have hand scraped wood floors. LR w fireplace. Kitchen has travertine flooring, custom cabinets, stain-less appliances, tiled back splash, large center island.Go to LifeandHomes.com and Type in QSN#41018

17643 Us Rt 11 23 High View Terrance 2 Bedrooms / 2 Baths

Watertown $23,000

Single Wide Home in Northland estates mobile home park - lot rent approximately $360. 1991 Colony Keystone - 70 X 14. 3 storage units and a partial fenced yard area - great for kids or animals.Go to LifeandHomes.com and Type in QSN#41021

In ContraCt

In ContraCt

Christensen RealtyUSA712 James StreetClayton, NY 13624(P) 315-686-4000

Ernest L. ScribnerLic. R.E. Salesperson(P) 315-222-3153(F) 315-686-3464

(E) [email protected](W) www.christensenrealty.com

CHRISTENSEN

US RT 11, Evans Mills $21,900

Level building lot outside of Fort Drum. Lot acreage is 1.8, IRCSD school district.

For more information, go to www.lifeandhomes.com and type in QSN# 41172

28333 Rogers Road, Evans Mills $294,900FORT DRUM IS JUST MINUTES AWAY! This beautiful colonial home has 2576 sq. ft., 4 bedrooms with large closets, 2.5 bathrooms and a formal dining room. You can enjoy the kitchen with an eating area overlooking the in-ground pool and have your morning coff ee on the front porch with a panoramic view. For more information, go to www.lifeandhomes.com and type in QSN# 41050

19830 Eddy Road, Carthage $145,000Nice 3 bedroom 1 bath home in the country only minutes to city of Watertown, Carthage, and Ft Drum. Nice acerage for gardens and outdoor activities, near snowmobile trails. Full basement can be fi nished. Plumbing is set up for a second bath. The 2 car garage is large and space for a workshop area.For more information, go to www.lifeandhomes.com and type in QSN# 41066

243 Wyoming Ave., Watertown $99,900

A nice retirement home for downsizing or starter home. This clean home with 1 bath 2 bedrooms with an offi ce. The kitchen has all appliance and house also comes with washer and dryer.


Fernwood Drive, Rutland $30,000

8 Acre Lot in Jeff erson County, Carthage School District.


5682 Old State Rd, Natural Bridge $169,000Nice home 25 minutes to Ft Drum. Nice family home or turn back into a duplex to provide income. Many updates, kitchen has been totally redone, new windows throughout. New septic and leach fi eld installed 3 years ago. Above ground pool on very nice lot.


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Black River $250,000 3 Bedrooms/2.5 BathsAbsolutely beautiful!! Minutes to Fort Drum. You must see to believe this 3-4 bedroom 2.5 bath home!!! Cathedral ceilings with skylights and fi replace in the main living room that leads into the dining room with country views in the back yard. The spacious kitchen features an island and plenty of cabinet and pantry space. Kitchen appliances stay. Large laundry room downstairs. This is country living at its best.

Evans Mills $34,000 Lot for Sale2 Beautiful Spacious lots near Fort Drum. These are Lots 1 & 2 in a series of 5. This lot is on a paved road with Ft. Drum across the street. Quiet and secluded.

Lot for SalePerfect building lot minutes to Fort Drum off of Route 11. Electric already in place! Zoned for commercial or residential.

Evans Mills $47,000

3 Bedrooms/2.5 BathsAbsolutely stunning energy effi cient NEW home located across the street from Fort Drum. This one is a must see!! Private beautiful 2 story home has panoramic country views throughout the house. It sits on over 6 acres. It features a nice size open kitchen, sitting room, Living room, formal dining room, 2 1/2 baths,plenty of closet space, 3 bedrooms, Master bedroom has a full bath and an amazing bonus sitting room.

Evans Mills $265,000

4 Bedrooms/2BathsVacant!!! Ready for a new family. Many recent upgrades! New carpet and fl ooring with updated kitchen and bathrooms, appliances included. Huge laundry room with washer and dryer. Within walking distance to downtown and minutes to Fort Drum. This house is bigger than it looks!! The eat-in kitchen leads to the back porch. Three nice size bedrooms. 2 car gargage with one side used as a heated WORKSHOP!

Watertown $149,000

3 Bedrooms/2 BathsBeautiful home tucked away in a wooded 1.74 acre lot near Fort Drum,Watertown and the Thousand Island Region. Master bedroom has a walk-in closet and its own full bath. The open kitchen features ceramic tile that leads to the dining area and has access to the huge 2 stall attached garage. The front full length covered porch is perfect for entertaining!

Theresa $232,140

Sylvia De VitaLic R.E. Salesperson

315-778-7381www.sylvia.exitmorerealestate.comsdevita@exitmore.com

Are you looking to buy or sell your home? Please log on to our website to view what is available.

18874 U.S. Route 11, Watertown 315-782-9292

Watertown $159,000 Old World Charm! Tons of beautiful woodwork, crown molding and solid wooden fl oors. This home also has a double backyard, the lot size is 50x135, you’ll have plenty of space for family activities. The home has 3 high-ceiling bedrooms, 1 full bath on the fi rst fl oor, a formal living room and formal dining area. Upstairs are 3 MORE bedrooms, one being a master suite with a walk in closet and full master bath, another room that would be great for similiar aged kids, with two adjoionging bedrooms and a huge play/study space and another bedroom room, this home was built for a big household. This home is move in ready.

Natural Bridge $110,000 Outdoor sport persons dream! This 3 bedroom home sits on 4.44 Acres of Natural Bridge on the Indian River. Only 15 minutes from Fort Drum! The land borders the trout fed Indian River and behind the river is state owned forest. Small town charm and privacy. Features include ATV and snowmobile trails, beautiful hiking, fi shing areas, the home has beautiful features throughout as well, original wood fl oors, a stone fi replace that was built from the stone on the property, come visit the potential!

Updated and remodeled, beautifully cared for maintance free home, corner lot, near shopping, downtown square and 10 mins. to Fort Drum! New vinyl siding, new wood fl ooring, new Dura Stone kitchen fl ooring,freshly painted in designer colors. The open concept provides a great social area with a beautiful island, tons of cabinetry and includes all appliances! The master bedroom has walk in closet and the 2nd bedroom has custom shelving in a full size closet. Landscaping already done, great perenials to enjoy! Come see this lovely immaculate home.

Watertown $129,000

Turn key home available now! Great Neighborhood! Original hard wood fl oors througout this home that have been beauti-fully taken care of, fresh paint colors, crown molding and tons of cabinet space, the kitchen leads out to a wonderful back-yard deck that runs the span of the home and offers a double lot with plenty of yard and wonderful perenials for years of enjoyment! If you are looking to move right in call today!

Watertown $184,900

This 2 story home is a real fi nd. The home has been updated and remodeled with a stylish interior, it’s a must see. It has a big backyard with potential for a gargage in the future and still plenty of family area. This home will not last long, it is priced to sell. Owners have taken great effort in revitalizing this beautiful home, updating and keeping the original charm. New covered front porch, new fl ooring throughout and a new furnace, what more could you ask!

Watertown $99,000

Location is key! This 3 bedroom 1 and half bath is located close to schools, parks, shopping and public square, but not on a busy street. A family friendly neighborhood that’s near the city. The home has beautiful original wood fl oors, that just need to be uncovered, built in shelving surround the working fi replace, a big front room for a offi ce or play area, lots of orignial charm. The backyard is huge, this home is a keeper!

Watertown $150,000

Deirdre HylenLicensed Real Estate Salesperson

[email protected]

18874 U.S. Route 11, Watertown 315-782-9292

Are you looking to buy or sell your home? Please log on to our website to view what is available.

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306 James StreetClayton, NY 13624

Call Our Offi ce(315) 686-5500

Buying Or Selling Let Us Put Our Experience

To Work For You!

DON’T MISS THE OPPORTUNITY!

Up to $8,000 tax credit for fi rst time homebuyers

Up to $6,500 tax credit for repeat homebuyersPurchase offer needs to be dated by 4/30/10

Home needs to close by 6/30/10

CALL FOR DETAILS

686-5500

ATTENTION ALL HOMEOWNERS!

Homes are selling and we need listings. If you want a company that will go the extra mile to get your home sold - call today. Let us show you what we

can do for you.

CALL FOR DETAILS

686-5500

Bridging The Gap Between Buyers And Sellers Through

Old Fashioned Values: Honesty, Integrity &

Hard Work

www.nywaterfronthomes.com • www.PCStoDrum.com

315.686.5500

Les HenryLic. R.e.

assoc. Broker315.771.7440

Marcie TraversLic. R.e.

Sales Person315.489.4892

Melanie CurleyLic. R.e.

Broker/owner315.778.2458

Tammy ByersLic. R.e.

Salesperson315.405.5176

Jackie BartonLic. R.e.

Salesperson315.771.7902

Minutes from Drum 3 Bedrooms / 2.5 Baths

Nearly new 3 Bedroom, 2.5 bath home with att. 2 car garage, beautiful kitchen and walk out basement.

Thousand Islands Realty, LLC315-686-5500Go to nywaterfronthomes.com and Type in MLS# S224018

Watertown $239,000 Minutes from the River 4 Bedrooms / 3 Baths

Great house with finished basement. Situated on 1.78 acres.

Thousand Islands Realty, LLC315-686-5500Go to nywaterfronthomes.com and Type in MLS# S222272


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Elm Ridge Road 79 Acres

For more details visit www.LifeandHomes.comType in Quick Search #41214Elliott Realty, Inc.Anthony Pisarski • 315-783-6917

Lic R.E Associate Broker • [email protected]


Le Ray $399,000

77 Blackstone Bay Rd Waterfront 8 Acre Parcel

For more details visit www.LifeandHomes.comType in Quick Search #41085Century 21 Millennium RealtyCarol Adler • 315-786-6666



Morristown $295,000

39 McEwen Rd 199 feet of water frontage




Morristown $225,000

5682 Old State Rd 5 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41065Christensen Realty USAErnest Scribner • 315-222-3153



Natural Bridge $169,000

Peel Dock Road Building Lot

For more details visit www.LifeandHomes.comType in Quick Search #41207United Country Dwyer Real Estate ServicesJoanne Bourquin • 315-658-2131



Orleans $35,000

31617 US Rt 11 Commercial

For more details visit www.LifeandHomes.comType in Quick Search #33819Brite Orange RealtyChristopher Palmer • 315-771-3239



Philadelphia $285,000

27585 Depot - 2 Unit 6 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41051Rome RSA Realty L.L.C.Nancy Rome • 315-493-2134

Lic. R.E. Broker/Owner • [email protected]


Natural Bridge $68,400

County Rt 12 159 Acres

For more details visit www.LifeandHomes.comType in Quick Search #41208United Country Dwyer Real Estate ServicesAmy Dwyer • 315-658-2131



Orleans $200,000

Charming Country Ranch Home 3 Bedrooms / 2.0 Baths




La Fargeville $159,900

24631 Porter Road 4 Bedrooms / 2.0 Baths




Le Ray $100,000


George and Miriam Bowes, Broker-Owners, of Bowes Realty LLC each have30 years experience in the Real Estate Business. They are full time agents,dedicated to serving you honestly and fairly. If you're buying or selling callGeorge at 315-771-6543 or Miriam at 315-771-6542 and let their experience go to work for you.

George & Miriam BowesBroker / OwnersBowes Realty

Phone: 315-686-3315 Web: www.bowesrealty.com Email: [email protected]

I came to the area on vacation and liked it so much I decided to move here. I have been a Realtor since 1999 and opened my own office in September of 2006. My goal is to “Bridge the Gap Between Buyers and Sellers”. Customer service and satisfaction is the basis of my business. I was named Realtor of the year for 2008 by The Jefferson Lewis Board of Realtors.

Melanie CurleyReal Estate Broker / OwnerThousand Islands Realty


Lisa WatsonLicenced Real Estate SalespersonRimada Realty


Rimada Realty1063 C Arsenal StreetWatertwon, NY 13601(P) 315-788-4444(F) 315-788-5235

Waterfront

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lifeandHomes.com Your All Inclusive Home Directory

jenn's Property ManagementYear Round Management ServicesI Can Handle it All, From Move In to Move OutCredit Checks, Tenant Issues, Emergencies 24 Hour Maintenance Available10 Years ExperienceDependable

Contact Jenn315-649-2709 • [email protected]

Attention Homeowners

5 Irish Ave 2 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41217Coldwell Banker-Rimada RealtyJune E. O'Brien • 315-788-4444




27583 Ct Rt 192 3 Bedrooms / 2.0 Baths




Redwood $205,000

311 Todd Road 3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41203Byrns RealtyLinda L Love • 315-375-4486

Lic RE Associate Broker • [email protected]


Rensselaer Falls $38,900

31855 NYS Rte 3 4 Bedrooms / 2.0 Baths




Rutland $169,900

Charming Ranch in Sackets Harbor 3 Bedrooms / 2.0 Baths




Sackets Harbor $209,000

Custom Built Homes Post & Beam

For more details visit www.LifeandHomes.comType in Quick Search #33356Custom Home Masterpieces, Inc.Al Roy • 315-458-4256

0 • [email protected]


Syracuse

11107 Lowe Road w3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #33953Elliott Realty, Inc.George Briggs • 315-782-8498



Rodman $105,000

20961 Storrs Road 3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41223Hopkins Homes GMAC Real EstateBarbara McKeever • 315-783-2995



Sackets Harbor $279,000

21 Garden Road - Multi Family 4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41209United Country Dwyer Real Estate ServicesAmy Dwyer • 315-658-2131




43790 Second Street 3 Bedrooms / 2.0 Baths




Redwood $123,500

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CO. Rt. 57 Building Parcel




Three Mile Bay $15,000

420 Broadway Ave W 3 Bedrooms / 1.0 Baths




Watertown $125,000

628 Cooper Street 3 Bedrooms / 1.5 Baths




Watertown $184,000

13115 County Rt 156 3 Bedrooms / 2.0 Baths




Watertown $219,000

911 Bronson 1 Bedrooms / 1.0 Baths




Watertown $99,800

18723 Rock Baie Road 8 Bedrooms / Waterfront




Wellesley Island $595,000

17643 Us Rt 11 23 High View Terrance2 Bedrooms / 2.0 Baths




Watertown $23,000

255 Paddock Street 3 Bedrooms / 2.0 Baths / 2 half baths

For more details visit www.LifeandHomes.comType in Quick Search #41215Elliott Realty, Inc.Anthony Pisarski • 315-783-6917

Lic R.E Associate Broker • [email protected]


Watertown $269,900

32188 Webster Tract 2 Bedrooms / 1.0 Baths




Theresa $199,900

107 Lincoln Avenue 3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41204Byrns RealtySteven Szafranski • 315-384-4769

Lic RE Associate Broker • [email protected]


Waddington $82,500

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

Several log home plans are available, with many different log styles to choose from. We offer 3 species of wood and optional roof systems. The possibilities are endless...

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

Q Log HomesQ Timber Frame ConstructionQ FireplacesQ BasementsQ DecksQ Custom KitchensQ Additions

Q General ContractingQ CarpentryQ PlumbingQ MasonryQ RoofingQ Electrical work

"Our goal is to provide you with a no pressure, turn-key home building experience -

log or stick built."

START LIVING YOUR DREAM TODAY!

HARDwOOD fLOORING • STAIR pARTS • MOLDING

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

We StockKILN DRIED

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

Visit our website anytimewww.lakeshorehardwoods.com

Allen is a native of Watertown, NY, after four years of military service in the US Coast Guard. A homeowner in Clayton and Cape Vincent for 30 years, he is very familiar with the Lake and St. Lawrence River area. Retired from Niagara Mohawk, Allen works his real estate career full time and is always available to be of service.

Allen WalkerLicensed R.E. Salesperson Bowes Realty


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mortgagecorner

When looking to remortgage, your aim is to switch to a deal that is more beneficial to you and saves you money/increases flexibility etc, whether this be sticking with your present lender or changing to another.

what Are the Benefits of remortgaging?Remortgaging is a chance to switch from an inadequate mortgage and take full advantage of current products available such as fixed rate, tracker or discount mortgages which can offer you more competitive rates. Choosing the right deal for you is just as important when remortgaging as it was the very first time. Consideration should be given on your prediction of future interest rates, your own risk assessment, your income and the balance of the loan outstanding. You will also need to weigh up your monetary needs and present circumstance.

Adverse Credit Remortgages also enables you to cut loose from a dissatisfactory lender as there is nothing to say you should stay with the same one.

Doing either of these things when remortgaging may considerably reduce your monthly out goings. This is just one benefit of deciding to remortgage.

Say for example you have a loan of 100,000 and are paying a rate of 7.5% interest; you then switch to another lender which has a rate of just 7% interest. This would mean you would be saving 31 each month, that's nearly 400 per annum.

Sometimes money tied up in the house could be put to better use else where. For an amount larger than what is needed to repay your original mortgage, remortgaging can release some of this equity to put towards investing in a new business venture or maybe even another property.

How long will the Process take?The process of remortgaging tends to be faster than that of a normal mortgage (but slower than adverse credit loans) as in this case you're not buying a property. The whole process without considering individual circumstances should take on average six weeks.

the cost of A remortgageAs with your original mortgage, a survey to confirm the value of your property will need to be done as the first one will no longer be valid. Add onto this solicitor fees and administrative costs, however these will be lower than mortgaging for the first time and depending on your lender, they may be able to recommend certain people in association with them that could lower your costs.

There maybe early repayment charges on your existing mortgage. This is when there is a penalty if you redeem the mortgage within a fixed period of time after commencing. For example, this could be additional pay of three to six months or a percentage of the loan amount.

When looking at the cost of a remortgage you also have to look at the possible longer term benefits of the process and the money you could save.

Quick Action PlanIf still indecisive on whether remortgaging could work for you, run through the following points:

Communicate with your existing lender and ask for a redemption statement. This indicates any penalties you will be charged in the event of remortgaging. It also states the amount still left to pay on your current mortgage.

When looking at a remortgage deal be sure to look at all the small print and ask the lender to clearly show what your potential repayments would be. It is always useful to ask for something in writing to use as a reference.

Add up all costs payable with any new lender i.e., the arrangement and administrative fees. Legal fees should also be added on, these will vary depending on where you go and the value of your property.

Armed with these facts and figures you should then weigh up whether remortgaging will benefit you and whether the long term savings will outweigh the immediate costs of remortgaging.

James Copper enjoys writing on all aspects of finance. He works for Any Loans who specialise in the Adverse Credit Remortgage and Adverse Credit Mortgages. Source: 1starticles.info

everything You need to Know About A remortgageBy James Copper

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The toughest question to answer when planning for retirement is, How long will I need the money? The truth is: no one knows for sure. If you have heard of life expectancy estimates but are not quite sure what they represent and what that means for your future, read on.

Pension planners and insurance actuaries alike rely on life expectancy data to set rates and forecast payouts. Obviously, there is a need for a baseline. But, most people do not realize that life expectancy changes as you age.

For children born in 2002, the life expectancy for a male is 74.5; for a female it’s 79.9. Due to medical advances and lifestyle trends, these estimates have generally crept up a bit each year. Still, the way they are calculated is the same: These numbers are a median for the population’s collective life span. In other words, 50% of people will die before they reach that age while 50% will live beyond it.

Interestingly, the longer you live, the longer you are expected to live. In fact, men who turned 61 in 2002 are expected to live to age 80; likewise, women are expected to reach 83.7. If a married couple both live to age 65, there is a 50% chance one of them will make it to 90. With those statistics in mind, it’s clear that more people than you might expect will require retirement income that can stretch several decades into the future.

Fortunately, there are some financial instruments designed to provide retirees with guaranteed income for as long as they need it. The Lifetime Income Annuity from New York Life Insurance and Annuity Corporation (A Delaware Corp.), can help retirees plan confidently for a long and fruitful retirement. Using a lump sum premium, individuals or couples can purchase a Lifetime Income Annuity, which will provide them with a guaranteed income that is not subject to market swings and cannot be outlived. Even if your retirement lasts 30 or 40 years, your Lifetime Income Annuity payments can be relied upon to be there, no matter what.

various features can be added to your annuity contract at purchase, including an Annual Increase Option , which helps combat inflation, and a Cash Refund option that will return to your heirs the difference between your initial premium and any payments already received if you should die prematurely. This educational third-party article is being provided as a courtesy by Gary Sunada, Financial Services Professional, New York Life Insurance Company. To learn more about the information or topics discussed, please contact him at 315.738.2612.

Annuity 2000 Basic Mortality Table2 Guarantee is backed by the claims paying ability of the issuer.3 The policy owner must elect this option at the time of purchase and be at least age 59 ½ at the time of the first income pay-ment. If you elect this option, you choose to have your income to start lower, but your payments will increase each year by 1% to 5%, depending on the percentage you choose. By structuring your payments this way, you may help neutralize the impact of inflation as your living expenses increase over time. Annual Increase Option is not available with either the changing needs option or the Income Enhancement Option.

designing a safer, smarter retirement strategyYou worked hard, saved your money, secured a company pension, built up a 401(k), and invested

well. In short, you made all the right choices in planning for retirement. But that was then; this is now.Read MoRe (Read Complete Article at: www.lifeandhomes.com/nny. Click on Financial Planning tab at top of page.

do You need a will? A will is one of the most important documents you can create in your lifetime. Think of a will as the financial blueprint of the distribution of your assets after your death. Your will can clearly state who will be guardian of your minor children, who will inherit your assets, when they will inherit your assets, and any conditions that must be met for them to receive your assets.

Read MoRe (Read Complete Article at: www.lifeandhomes.com/nny. Click on Financial Planning tab at top of page.

FinancialPlanning

What Life Expectancy Means to Retirement Planning Gary Sunadaeverything You need to Know About A remortgage

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Northern NY’s largest independent appliance

dealer. Guaranteed low prices on top name

kitchen and laundry appliances. Package

pricing. Open 7 days a week.

315-782-0333 Member Since 03/06

AppliancesWATERTOWN APPLIANCE

Serving Jefferson, Lewis and St Lawrence

counties. FHA approved. Over 35 years expe-

rience. Call today.

315-782-4030 Member Since 04/08

AppraisalDAS APPRAISAL SERVICE

Serving Jefferson, Lewis and St Lawrence

counties, Banks, Attorneys Divorces, Property

Tax Grievance, FHA Approved.

315-482-9358Member Since 04/08

THOUSAND ISLANDS APPRAISALS

Quality Appraisals at a fair price! Call today

for a fast and friendly service.

315-482-9076Member Since 08/08

APPRAISAL USA

Easy Track Closet Systems - Estimates, Design,

Installation. The More Economical, Easy Installa-

tion System on the Market.

315-337-3340315-732-2350 Member Since 02/08

ClosetsTHE HEARTH SHOP @ UNIV. BLDG SUPPLY

Carpentry, plumbing, electrical, decks, garages,

boat houses, remodel cottage openings closings.

24/7 on call service.

315-686-3083Member Since 04/08

ContractingBACH & CO

Serving NNY. For more information visit www.

battlefi eldhome.com or www.sacketsmeadows.

com

315-646-2220 Member Since 09/08

Custom Home BuilderBATTLEFIELD COMMONS/ SACKETS MEADOWS

Residential, commercial, and industrial. Free

estimates, new installations and upgrades.

Generator systems, licensed and insured,

emergency service. Authorized guardian

generator sales and service.

315-788-0324 Member Since 04/08

Electrical ContractorsCA ELECTRIC

Serving all of the North Country. From the

Adirondacks to Lake Ontario. We come to you!

315-285-5074Member Since 04/10

EnergyENERGY & INSULATION SOLUTIONS

Excavation, site work, septic systems, complete

manufactured home set-up, shorewells, docks,

sand and gravel delivery.

315-686-3083 Member Since 04/08

ExcavatingBACH & CO

Serving NNY. We service and repair all brands-

Gas, oil, propane, boilers, water heaters, fi replaces,

central air conditioners.

315-782-8067 Member Since 03/07

Heating & Central AirCOMBS HEATING & AIR CONDITIONING

Buy with confi dence! Call or email Tim today for

your home inspection needs.

[email protected]

315-783-0207Member Since 08/08

Home InspectionLAKE ONTARIO HOME INSPECTION

Serving the Tri-County area. Complete home

inspections • radon testing • water testing • lead

testing.

315-783-2432Member Since 08/08

CLAYTON HOME INSPECTION

Station: WWTI-ABC 50

Website: www.myabc.50.com

315-785-8850Member Since 09/09

TV StationWWTI NEWS WATCH 50

Specializing in home, auto, business, life, boats,

cycles, RV, and snowmobiles.

315-387-5321Member Since 04/08

InsuranceASSOCIATED INSURANCE

Meeting all of your insurance needs. Call today

for information and questions.

315-779-1990Member Since 08/08

ALL STATE

From small residential touchups to full scale

commercial makeovers, call today or visit us on

the web at www.designwithgoodtaste.com

315-654-2007Member Since 08/08

Interior DesignTASTE OF DESIGN

Serving NNY. Specializing in modular homes,

manufactured homes, land/home financing pack-

ages, transportation of individual homes, awning

sales and much more.

315-788-1243Member Since 04/08

Manufactured HomesWALKER’S MANUFACTURED HOUSING

Serving the home lending needs in Jefferson,

Lewis, & southern St. Lawrence counties. An Equal

Housing Lender NCUA

315-771-4783Member Since 09/09

MortgagesNORTHERN FEDERAL CREDIT UNION

All of Central & Northern NY. Prevent bats from

returning. Guaranteed DEC Licensed & Insured.

24 Hour Emergency service

www.acewildlifesolutions.com

315-391-5682Member Since 06/08

Pest ControlACE WILDLIFE SOLUTIONS

The Missing Pieces to a Hassle-Free Home

Home service network Exclusive Members That Have Shown Exceptional Customer Service

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