Life and Homes Northern New York

Local Business

DIRECTORY pg18

Real Estate

LISTINGS pg5

Home Loans

Under Attack pg3

Mortgage

CORNERpg16INSIDE

FreeMarch 2010 Life and

HomesB r i n g i n g p e o p l e a n d h o m e s t o g e t h e r

w w w. L i f e a n d H o m e s . c o m

Northern NY

Guide to Local Listings

Sleek Home Trends

Right Home Right Location

Spring Ahead March is the month we “spring ahead”. At 2 a.m. on the second Sunday of every March, Congress says we’re supposed to set our clocks forward one hour ahead of standard time.

Not everyone embraces change, even when it’s mandated. Hawaii doesn’t follow Daylight Saving Time and neither do the territories of Puerto Rico, Virgin Island, Guam and American Samoa. Arizona and Indiana, on the other hand, straddle the fence. The Navajo Indian Reservation in Arizona DOES observe daylight savings time, the rest of Arizona doesn’t. The Eastern Time Zone section of Indiana doesn’t change their clocks but the rest of the state does.

Confused yet? Try figuring out what’s happening in real estate. Today’s news reported promising increases in new housing starts and existing home sales, followed by a story on massive job loss within the construction industry. So, exactly who is building the new houses? I read that a record number of homeowners have opted to invest in home improvement instead of selling. Try comparing that data to The National Association of Home Builder study reporting the remodeling market is continuing to deteriorate. Say what?

Based on what’s being reported, I’m not quite sure if the real estate market is springing ahead yet or not. To be honest, I’m not even sure I know exactly what time it is where you live. It’s a good bet, though, that warmer weather and the slow emergence of spring in the Northeast will bring an upswing in the housing marketing. We’re all rooting for it!

LifeandHomes supports our community by showcasing local business services and featuring 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. Go ahead. Embrace the change.

Spring ahead

jefferson-lewis co. nY, editionPublished By

LIFEANDHOMES, INC.

Publication franchise rMcDAVID P. LISI

corporate editorKIM LISI

[email protected]

How to reach Us

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

Or send to:

lifeandHomes MagazinePO Box 18 Holland Patent, NY 13354

Account executive DAVID P. LISI

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March 19, 2010

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PO Box 18 Holland Patent, NY 13354

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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

information are free of errors or omissions. The publisher does not guarantee the

accuracy of the submitted information to Life and Homes Magazine and assumes no liability.

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.

Pending legislation May Make Loans More Expensive If you’re planning on--or just dreaming about buying a house, it may pay to hurry up. Although interest rates are currently low, in the not-too-dis-tant future the costs of financing a home may be so high many consumers simply will not be able to afford it. That could happen if a piece of leg-islation before the U.S. Senate comes to fruition, warn people familiar with the situation.

The financial reform bill “Restoring American Financial Stability Act” includes something called a “risk-retention” provision. This would require all lenders to hold at least 10 percent of the “credit risk” for each loan they originate and ultimately sell off to investors. The idea is that this will prompt lenders to be more diligent in qualifying clients, as it forces them to have exposure to risk in the loans they write.

It’s also believed to mean lenders will have to have 10 percent of cash on hand for each and every loan they write.

“While I am sure our elected officials have good intentions, the unintended consequences of this legislation would be staggering,” said Scott Stern, chairman of the Community Mortgage Lenders of America, a national group dedicated to increasing competition and consumer choice in the mortgage industry. “In reality, what will happen is a mass closing of small community and regional lenders, who will simply not be able to carry the amount of cash required by the legislation. This is significant, as local lenders write nearly 40 percent of all mortgages.”

Consider this: If a small community lender writes $100 million in loans, after only five years it will be asked to hold as much as $50 million in cash reserves--impossible for most lenders.

Lenders warn the net result could be a smaller pool of lenders, with those who remain forced to charge significantly higher rates to cover the cost of risk retention.

“I have to wonder if the government is familiar

with the lending process. Lenders already retain the risk on the loans they write. If they do not meet the investors’ guidelines, the lender must buy that loan back,” Stern said.

Many lenders, and consumers, are watch-ing this one very closely. You can write your legislators to let them know that you oppose risk retention and limited choice at www.house.gov and www.senate.gov. (NAPSI)

tame Your tweetsYou shred your mail, and protect your debit card, but did you know tweeting or posting information on FaceBook about your employment status, home foreclosures in your neighborhood, or other potentially sensitive information could impact your personal finances?

SmartMoney.com is reporting that lenders are starting to look at social networking sites, especially FaceBook, Twitter, and Linkdin to get information about their customers.

Here’s what you need to know:A company called RapLeaf.com is already providing lenders with data taken from customers’ FaceBook pages. It’s only a matter of time before more of these data scanning companies come on line.

So far, RapLeaf insists it’s only providing data for targeted marketing campaigns and that the information is not used to make lending decisions. But it’s anybody’s guess when information you post or tweet starts to affect your credit score.

Anything you post on the Internet is public information and there’s nothing illegal about lenders using it however they wish. Now, if a lender denies you a loan based on information taken from your FaceBook page, without disclosing the source, it could violate the Fair Credit Reporting Act.

The bottom line is you have to be very careful about what you post or tweet. To their credit, RapLeaf.com does allow consumers to opt out of its database at www.rapleaf.com/opt_out (Source: Crown.org)

Carbon Monoxide

Detectors Required Under New LawOn February 22, 2010, Amanda’s Law went into effect throughout the State of New York, requiring that all residences have carbon monoxide alarms installed on every level of a home where there is an area utilized for sleeping. The new legislation was introduced after the tragic story of 16-year-old Amanda Hansen who died from carbon monoxide poisoning while at a sleepover at her friend’s house.

Prior to Amanda’s Law, residential dwellings that were constructed or offered for sale after July 30, 2002, had to be updated with a carbon monoxide detector. Amanda’s law effectively removed the construction and sale provisions, and provided that all homes regardless of construction or sale date must be outfitted with a carbon monoxide detector. In addition, any two-family dwelling, dwelling accommodations located in a building owned as a condominium or cooperative in the State, or any multiple dwelling must have an operable carbon monoxide detector. Such structures include, but are not limited to, a tenement, flat house, apartment, duplex, hotel, nursery school, fraternity/sorority, school dormitory, nursing home, or convalescent home. Visit www.dos.state.ny.us/code/COAlarm.htm for complete rules.

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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newsshortsForeclosures May Top 20 MillionForeclosures are likely to top 20-million homes in

the U.S. if government officials don’t take action to

lessen the impact of the foreclosure crisis, according

to a report by Housing Predictor.

The real estate research firm was the first to forecast the

foreclosure epidemic, triggering the worst economic

turmoil since the Great Depression.

In a recent Housing Predictor survey nearly 1 in 3

mortgage holders say they will walk away from their

homes if housing prices continue to fall. The action

would leave bankers on the hook for trillions of dollars

in unpaid mortgages and send the U.S. economy

into a worsening financial crisis, resulting in the highest

number of renters in the housing market in decades.

Consumers are saving more in light of the economic

turmoil and home sales are improving in many especially

hard hit areas of the country with the assistance of

first time home buyers tax incentive.

Foreclosures compose the majority of home and

condo sales nationally. Nearly 6-million additional

Option Arm adjustable rate mortgages will reset

through 2010 and more than three-quarters will not

be able to be refinanced under current mortgage

guidelines. As a consequence, millions of more

homes will go into foreclosure and provide a growing

inventory of property at bargain prices.

Housing Predictor forecasts local housing markets

in all 50 states. Check your market forecast at http://

www.housingpredictor.com (RealEstateRama)

Avoid Common Home Improvement ScamsThe Consumer Tool Kit to Home Improvement cautions

consumers to be cautious of the following common scams:

driveway sealant scam: Deeply discounted driveway

services may use inferior products that wear away

with a few months or after a few rainfalls. Ask what

type of material is used and the method of application

then do some research.

chimney repair: This scam often begins with a

cheap offer for cleaning gutters. Once the gutter

work is performed, the contractor claims the chimney

is in need of repair and may even go so far as to remove

bricks and mortar from your chimney. Another popular

scam is when a contractor claims there is a threat of

carbon monoxide poisoning if the chimney is not

repaired immediately. Always get a second opinion

from a reputable contractor.

roofing: Some contractors may use substandard

materials and only after your roof leaks, possibly

resulting in interior property damage, you realize

you have been scammed. You should request that

your contract have a hold-back clause where the final

payment is withheld until 30 days after the completion

of the project. This provides time for the roof work

to withstand some weather patterns such as rain,

wind, snow or ice.

To view the complete Consumer Tool Kit to Home

Improvement pamphlet, visit www.nysconsumer.

gov/pdf/contractor_ripoffs_2008.pdf

Credit Card Reform enactedEffective February 2010, many unfair credit card industry

practices were outlawed. The new protections are the

latest phase of the federal Credit Card Accountability,

Responsibility, and Disclosure Act. The most significant

reforms include:

limits on interest rates Hikes during the first Year

-- The interest rate on a new credit card cannot be

increased during the first year, unless it’s a variable

rate card, the “introductory rate” expires after a minimum

of six months, or the cardholder is more than 60

days late in making a minimum payment.

limits on “Penalty” interest rate Hikes -- If the interest

rate is hiked because you were more than 60 days

late in making a minimum payment, the old interest

rate must be restored if you make all your payments on

time during the first six months after the rate increase.

fairer Payment Allocation -- If your card has more

than one interest rate on balances, any amount you

pay above the minimum payment must first be applied

to the balance with the highest interest rate.

clearer due date and time -- Payments must be

due on the same day each month. If the due date

falls on a weekend or holiday, no late penalty can

be assessed if payment is received the next business

day. Payments received by 5 p.m. must be credited

the same day.

Additional disclosure About Minimum Payments --

Your credit card bill must disclose how long it will

take to pay off the existing balance, and the total

cost in interest fees, if you pay only the minimum

amount due each month.

Consumers can call the CPB’s toll-free hotline,

1-800-697-1220, to ask questions about the new

law and obtain further guidance, or can email their

questions to [email protected].

(NYS Consumer Protection Board)

LifeandHomes provides

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Local Homes For Sale

Go to www.LifeandHomes.com

click on

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

email: [email protected]

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newsshorts

Does your kitchen or bathroom look like it’s stuck in a time warp? Then it might be time to update the most-used rooms in your home. For inspiration, look no further than the National Kitchen and Bath Association (NKBA), which recently shared its top 2010 kitchen and bath trends.

To compile the findings and determine the latest kitchen and bath trends, the organization surveyed those members who designed a kitchen or bathroom during the last quarter of 2009. According to NKBA, the top 10 trends for 2010 are:

1. Shaker style kitchen design2. Maple and alder cabinetry finishes3. Quartz countertops4. Pull-down/pull-out kitchen faucets5. Polished chrome finishes6. Under-counter refrigerator drawers7. Dishwasher drawers for small loads8. Marble vanity tops9. Integrated sink tops, drop-in sinks, vessel sinks and pedestal sinks10. Bronze and stainless steel finishes

in the kitchen

Making a big statement throughout the kitchen in 2010 is the addition of functional drawer appliances. One such example, which has been specified by nearly a third of NKBA’s kitchen designers, is modern refrigeration technology. Turning convenience into a luxury, under-counter refrigerated drawers feature adjustable horizontal and vertical dividers to keep frequently used items close at hand. Perfect for the ultimate entertainer, refrigerated drawers are quite roomy, typically tall enough to store a 2-liter bottle and wide enough to hold items such as serving trays and pizza boxes.

If you’re tired of running the dishwasher when it’s only half-full, consider installing a dishwasher drawer. Because it’s independently operated, you can wash small loads as economically as large ones. Plus, the extra flexibility to run cycles simultaneously with your traditional dishwasher makes clean-up quicker and easier, explaining why nearly a third of designers are incorporating this new trend into kitchens, as well.Another popular element to include in the kitchen in 2010 is a pull-down or pull-out faucet. Utilized by 85 percent of kitchen designers, it’s an easy way to make a design statement at the kitchen sink while

increasing functionality. The new Arbor pull-down kitchen faucet from Moen seamlessly brings simple sophistication to the kitchen with its transitional styling that complements virtually any decor. It’s available in a chrome finish, which is another 2010 trend to look for in appliances, accents and hardware throughout the entire kitchen. For more information about the Arbor pull-down kitchen faucet from Moen, visit moen.com or call (800) BUY-MOEN (800-289-6636).

in the bathGranite is the dominant material chosen for vanities in current remodels - used by seven of every eight designers

- however, in 2010 alternative natural materials, like marble, will continue to grow in popularity.

According to NKBA, just under half of bathroom designers utilize marble, as it provides a sophisticated look that’s reminiscent of Roman baths with its regal, refined detail that exudes a sense of luxury. Plus, marble countertops provide a stain-resistant, water-resistant, rugged and durable surface - ideal for child-friendly bathrooms or homes with just one bathroom that see a lot of traffic throughout the day.

NKBA also forecasts that integrated sink tops will be a popular choice this year, as you can easily use existing items to achieve this look. By adding a sink into an antique dresser or chest, designers are creating one-of-a-kind vanities for nearly 30 percent of all clients.

Polished chrome finishes are another bathroom design trend for 2010. Look to incorporate this chic metal accent into all your hardware by updating the accessories in your bath, as well. You’ll be able to make a big impact with small updates like new towel bars and robe hooks, for a completely coordinated look. (ARA)

top 10 kitchen andbath trends for 2010

chicken soup for soul: Contributing Author Therese Jensen Lacey, talks about her inclusion in a compilation of Chicken Soup articles, “Chicken Soup for the Soul: Older & Wiser: Stories of Inspiration, Humor, and Wisdom about Life at a Certain Age”.

spotlight on internet Marketing: Kate Brodock, Founder of the Other Side Group, and social networking guru, reveals industry secrets of highly effective Website and Internet marketing.

Recent Topics Include:

Business & finance 101:Sal Valente, VP, Capital Financial Management, shares fi nancial tips and advice for prospective entrepreneurs along with ideas on how business owners can evaluate business costs and obtain solid business advice.

TALK RADIO

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

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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

Lic. R.E Salesperson • [email protected]

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

Alexandria Bay $289,000

325 Washington Street 3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41046Century 21 Millennium RealtyMary A. Bisig • 315-786-6666

Lic. R.E Agent • [email protected]


Brownville $138,000

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

Lot B Dablon Point Road Waterfront Building Lot

For more details visit www.LifeandHomes.comType in Quick Search #41044Bowes RealtyAllen Walker • 315-771-8189



Cape Vincent $110,000

221 Esselstyne Street 3 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #32949Bowes RealtyJames Wiley • 315-778-1360

Agent • [email protected]



346 James Street 4 Bedrooms / 2.0 Baths





27298 NYS Rt 342 3 Bedrooms / 1.0 Baths




Calcium $79,000

273 E James St 3 Bedrooms / 1.0 Baths





71 Anthony Street Waterfront Property

For more details visit www.LifeandHomes.comType in Quick Search #33015Front Porch RealtyDeborah Schaefer • 315-836-3578

LIc. R.E. Broker • [email protected]



10 Chayne Circle 3 Bedrooms / 1.0 Baths





Your All Inclusive Home Directory lifeandHomes.com

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!

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

Phone: 315-778-2458 Email: [email protected]

Whether buying or selling I will get the job done for you. I place customer service as my #1 priority and I am a full time Licensed Real Estate Associate Broker that is available for all of your real estate needs 7 days a week!

James ConlinLic. R.E. Associate BrokerTLC Real Estate LLC


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lifeandHomes.com Your All Inclusive Home Directory

2332 Humphrey Road 4 Bedrooms / 1.5 Baths





19830 Eddy Road 3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41066Christensen Realty USAErnest Scriber • 315-222-3153

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


Carthage $145,000

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. R.E 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 • 315-788-6176



Dexter $113,000

28333 Rogers Road 4 Bedrooms / 2.5 Baths




Evans Mills $294,900

48 Dolly Road 3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #33988Byrns RealtyBradley Byrns • 315-287-1789

Lic RE Broker/Owner • [email protected]


Heuvelton $79,500

269 Old Canton Road 5 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41053Byrns RealtyBradley Byrns • 315-287-1789

Lic RE Broker/Owner • [email protected]


De Kalb Junction $119,900

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



Dexter $137,500

324 East Joseph Street 3 Bedrooms / 2.5 Baths





41748 Persha 3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.comType in Quick Search #

Brite Orange RealtyChris Palmer • 315-629-2200


Carthage $134,900

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

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.

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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]

WWW.THOUSANDISLANDHOMES.COM

$750,000 • 71 Anthony Street • Alexandria BayPrime development property! 240’ St. Lawrence River waterfront with 440’ of dockage. Two acre property with a 24 unit seasonal motel with good repeat business located directly across from fabulous Boldt Castle. There are an additional 3 acres with more waterfront available. What a terrifi c spot for condos or townhouses, or even a private estate or several single family homes. All utilities are there including public sewer and water. Few parcels of this size and location come available on the river. Listing agent is part owner.

$1,200,000 • 71 Anthony Street • Alexandria BayGorgeous view of Boldt Castle and the main channel from the property with development potential. Includes “boat house studio apartment”, plus 3 motel type rentals, 2 boaters baths, large waterside deck, and two-three bedroom two bath fl oating houses which can be used year around. There is plenty of good sheltered dockage and the property has access to public sewer and water.

18242 state rt. 3 watertown, nY 13601Offi ce 315.782.4476

809 Davidson St 4 Bedrooms / 1.5 Baths

The current sellers have done an outstanding job here, and the pride in ownership can be seen around every corner

NNY Homes315.782.4476

Watertown $124,900 26087 Mustard Rd 4 Bedrooms / 2 Baths

Your own Private Paradise! Pull into the new driveway, and walk up the new cobblestone path, past the new deck and come into your dream home.

NNY Homes315.782.4476

Watertown $179,900

24491 Co Rte 53 2 Bedrooms / 1 Baths

Nice stone homewith newer kitchen. Washer and dryer on first floor in Bathroom. House sits off the road with paved driveway.

NNY Homes315.782.4476

Brownville $69,900 3 Grant Street 3 Bedrooms / 2.5 Baths

act early & you will have the opportunity to pick kitchen & bathroom cabinets, flooring, etc. You could be one of the first owners in this subdivision!

NNY Homes315.782.4476

Dexter $265,000

409 S Meadow 3 Bedrooms / 1.5 Baths

amazing home at an unbeatable price! This home has the works! Updates including electrical, plumbing, kitchen, baths, and more!

NNY Homes315.782.4476

Watertown $139,900 32955 NYS Rt 26 6 Bedrooms / 4 Baths

This home is designed for entertaining and features a kitchen-dining-living great room, two story entry, first floor den, laundry room, full bath, den and office.

NNY Homes315.782.4476

Philadelphia $325,000

Joan GerniBroker owner

Cell 315.778.7653Email [email protected]

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306 James StreetClayton, NY 13624

Call Our Offi ce(315) 686-5500

Residential • Waterfront • Land • Commercial

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

Borders State Land 4 Bedrooms / 3 Baths

Contemporary 4 bedroom, 3 bath home, att. garage and newer barn situated on 58.8 acres. Borders over 3,000 acres of state land.

Thousand Islands Realty, LLC315-686-5500Go to LifeandHomes.com and Type in QSN#33950

Governeur $220,000

Year Round Waterfront Home 3 Bedrooms / 2 Baths

Sunsets and ships will be your view. designer kitchen, 3 bedrooms, 2 baths, att. 2+ car garage.



This One Has It All! 4 Bedrooms / 3 Baths

4 Bedrooms, 3 baths, attached garage, finished basement, back deck, 1.78 landscaped acres and public water.



Talk About Curb Appeal! 3 Bedrooms / 2.5 Baths

This home has it all, 3 bedrooms, 2.5 baths, beautiful kitchen, back deck, attached garage, paved drive.


Pamelia $239,000

Home with Acreage 3 Bedrooms / 2 Baths

This sweet deal is situated on 7.97 acres; 3 bedrooms and 2 baths, family room with fireplace. Garage with storage space.


Theresa $219,000

Renovated and Ready! 4 Bedrooms / 2 Baths

Renovated 4 bedroom home, 2 bath home is sure to please. New kitchen with new appliances.


Watertown $139,900

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26623 Co Rte 16 5 Bedrooms / 2 Baths

a 480 acre farm that is close to Ft drum with hundreds of feet of road frontage.

Brite Orange RealtyChristopher J. Palmer • 315-629-2200

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

Go to LifeandHomes.com and Type in QSN#33947

Evans Mills $780,000

33375 Broadwell 3 Bedrooms / 1 Baths

Single wide mobile home. Nice summer camp but was last used as a residential home.




Theresa $45,000

41088 Co Rt 21 3 Bedrooms / 2 Baths

Quiet country home. Nice 3 bedroom 2 bath ranch on nearly 2 acres w barn.

Brite Orange RealtyChristine Hogarth • 315-408-7936

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


Redwood $120,000

39 Old Route 11 5 Bedrooms / 1.5 Baths

77acres w a pond that is completely fenced in. Indoor riding ring, equine barn w 16 stalls.

Brite Orange RealtyTethanni M Johnson • 315-629-2200



Governeur $325,000

41748 Persha 3 Bedrooms / 1.5 Baths

Many updated windows, full acre of land, two large porches, 27 foot above ground pool, large storage shed.




Carthage $134,900

Natural Bridge

24314 NYS Rt 12 Gifford St Rd 2 Bedrooms/1.5 Baths

Private fenced backyard, patio, garage updated w paint and new concrete apron to be installed.




Watertown $129,900

513 Frontenac St4 Bedrooms/1 Bath

From Leary St going to Watertown, turn right on to Main. Continue until you see Frontenac St on the right.




Watertown $65,000

31 Main Street 5 Bedrooms / 1.5 Baths

downstairs bedroom w half bath and private entrance from outside, could be used as an office.

Brite Orange RealtyDaniel McIIroy • 315-629-2200




34821 Eddy 3 Bedrooms / 1 Bath

Nice starter home with 3 acres in country setting. Home has a metal roof that is only 3 years old.




Theresa $77,000

$156,000

450 US Highway 11 5 Bedrooms / 2 Baths

Custom built in 2006, energy efficient. Home wired for media and communication.




Governeur $264,900

6544 State Route 3 1 Bedroom / 1 Bath

7 miles from Ft drum. Cozy home for single, couple or getaway.




Natural Bridge $69,000

Brite Orange Realty The Time You Spend With us Will Change Where You Live.

8440 Willow Street Evans Mills, NY 13637Tel: 315-629-2200 Cell: 315-771-3239Fax: 315-629-2201 www.BriteOrange.com

4059 Factory Road 4 Bedrooms / 2 Bath

Farmhouse on over 10 acres. Modern eat in kitchen, formal dining room.




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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

141 Francis 3 Bedrooms / 1.5 Baths

Watertown $124,000

1st floor has nice sized living room, formal dining room and wonderful u-shaped kitchen. Kitchen has oak cabinet w plenty of counter space and storage. Refrigerator, dishwasher, disposal and trash compactor. Includes washer and dryer.Go to LifeandHomes.com and Type in QSN#41017

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

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

It doesn’t get any betterVisit or Call 315-865-7418 • lms1960.globalmobile1.com

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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]



31 Main Street 5 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41055Brite Orange RealtyDaniel McIIroy • 315-629-2200




Central NY Custom Home

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

0 • [email protected]


Syracuse

34821 Eddy 3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41058Brite Orange RealtyChristopher Palmer • 315-771-3239

Broker • [email protected]


Theresa $77,000

35033 Lot 923 Eddy Rd 3 Bedrooms / 2.0 Baths




Theresa $43,500

25640 State Rt 37 Commercial plus 40 Acres

For more details visit www.LifeandHomes.comType in Quick Search #33838Century 21 Millennium RealtyBetty Bork • 315-404-8242

Licensed RE Agent • [email protected]


Watertown $395,000

37956 RT 37 3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41045Bowes RealtyGeorge Bowes • 315-771-6543

Broker/Owner • [email protected]


Theresa $169,000

33375 Broadwell 3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41057Brite Orange RealtyChristopher Palmer • 315-771-3239

Broker • [email protected]


Theresa $45,000

177 Mitchell Road 2 Bedrooms / 1.0 Baths

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



Heuvelton $125,900

5682 Old State Rd 5 Bedrooms / 2.0 Baths






Open The Door To Elegance... This amazing home has had a complete make-over with no area left un-touched, the renovation has doubled the size of the home! Breath-taking gardens, fl owering trees, and bubbling fountains welcome you. You do not want to let this private paradise pass you by. Call today!

4 Bedrooms/ 3 Baths

Joan GerniBroker/ Owner(P) 315-778-7653(E) [email protected](W) www.nnyhomes.com

22195 Swan Road • Watertown Featured Home

$549,000

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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

243 Wyoming Ave. 2 Bedrooms / 1.0 Baths




Watertown $99,000

22040 Lane Road 4 Bedrooms / 3.5 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41037Coldwell Banker-Rimada RealtyDoris L. Olin • 315-783-0241

Lic. R.E Associate Broker • [email protected]


Watertown $298,800

933 Superior 3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41064Coldwell Banker-Rimada RealtyFrank Roberts • 315-788-6176



Watertown $85,000

141 Francis 3 Bedrooms / 1.5 Baths




Watertown $124,000

17643 Us Rt 11 23 High View Terrance 2 Bedrooms / 2.0 Baths




Watertown $23,000

531 Hamlin St - multi family 4 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #33955NNY HomesJoan Gerni • (315) 782-4476



Watertown $117,500

13115 County Rt 156 3 Bedrooms / 2.0 Baths




Watertown $219,000

1165 Academy Street 3 Bedrooms / 1.5 Baths




Watertown $119,900

24314 NYS Rt 12 Gifford St Rd 2 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41060Brite Orange RealtyChristine Hogarth • 315-629-2200



Watertown $129,900

16572 Jacobs Road 3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41036Coldwell Banker-Rimada RealtyDoris L. Olin • 315-783-0241

Lic. R.E Associate Broker • [email protected]


Watertown $129,800

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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


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

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]

313 Ten Eyck St 4 Bedrooms / 2.5 Baths




Watertown $249,000

589 West Prospect 4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #33791Raso Real Estate LLCRandy Raso • 315-786-7276



Watertown $92,900

1141 State Street 4 Bedrooms / 2.0 Baths




Watertown $150,900

24631 Porter Road 4 Bedrooms / 2.0 Baths




Watertown $120,000

911 Bronson 2 Bedrooms / 1.0 Baths




Watertown $99,800

46919 County Route 100 3 Bedrooms / 2.0 Baths




Wellesley Island $215,000

395 Moffett 3 Bedrooms / 1.0 Baths




Watertown $69,900

25752 Middle Road 2 Bedrooms / 1.0 Baths




Watertown $69,000

732 Coffeen Street 3 Bedrooms / 1.5 Baths




Watertown $125,000

22195 Swan Road 4 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41043NNY HomesWilliam Leepy • 315-782-4476

Lic R.E Associate Broker • [email protected]


Watertown $549,000

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mortgagecorner

First, let me tell you that mortgage debt is the only kind of debt I don’t yell about. I don’t borrow money - ever. But, I know most people won’t do the “100% Down Plan” when it comes to buying a home. So what are your options?

For those of you who are in debt (which is most of you), let me tell you what Sharon and I did. Nearly 20 years ago my wife, Sharon, and I hit the financial bottom because of our debt. We did an unpopular thing to help turn things around. After years of marriage and owning hundreds of pieces of real estate, we became renters. Normal mindset is that you should buy and not rent but remember normal is broke. All these years later, I can see that that was probably THE best sacrifice we made. We were able to pay off our debts and save money for a house.

Although that’s the smartest and safest route, if your heart is set on buying a home you can still do it wisely. But if you can’t pay cash for a house in full, how do you figure how much house is too much?

Take some time to sit down and do the math. Your mortgage payment should not be more than 25% of your take-home pay and you should get a 15-year or less fixed-rate mortgage. Notice I said a 15-year mortgage, not 30. Don’t be tempted by the smaller monthly payments of a 30-year mortgage. The truth is 30-year mortgages are for people who enjoy being in debt so much they want to extend it for 15 more years and pay thousands of dollars more in interest for the privilege!

Now, you can probably qualify for a much larger loan than what 25% of your take-home pay would give you. But it’s really not wise to spend more on a house because then you will

be what I call “house poor.” Too much of your income would be going out in payments, and it will put a strain on the rest of your budget so you wouldn’t be saving and paying cash for furniture, cars and education.

The point is your house payments shouldn’t take over your budget. Don’t let your mortgage payments cause you major stress every month for years and years to come. Your dream home needs to be just that, a dream. You don’t want it turning into a financial nightmare.

Dave Ramsey is a personal money management expert, an extremely popular national radio personality and best-selling author of The Total Money Makeover. Dave is changing the face of America by helping people get out of debt and build wealth. Ramsey exemplifies his life’s work of teaching others how to be financially responsible, so they can acquire enough wealth to take care of loved ones, live prosperously into old age, and give generously to others. Read more of what Dave has to say about real estate at www.daveramsey.com (EZinearticles.com)

too Much House?By Dave Ramsey

A “smart home” is a home equipped with structured home wiring packages that control the home’s systems via networked technologies.

fewer than 2 percent of homeowners build a custom home; most buy an older home or select from a home builder’s menu.

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You 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. The stock market's collapse since 2007 has pummeled Americans' retirement accounts, wiping out more than $3 trillion in value, by one estimate.

If that weren't worrisome enough, retirement expenses are also growing by the year. Our life expectancy continues to increase — 77.7 years and rising, according to the federal Centers for Disease Control and Prevention2 — while the cost of living keeps going up as well. This means your retirement years are likely to be longer and more expensive than you thought.

Facing these unnerving facts, people who once invested heavily in the stock market are now playing defense in their retirement planning. Many Americans appear to be fleeing stocks and shifting more of their nest eggs to cash and fixed-income instruments in response to the latest downturn.

spreading the wealthMost financial professionals agree that a prudent strategy for limiting vulnerability in volatile economic conditions is to spread one's assets among a range of investments with varying levels of risk. Yes, stocks may still be part of the mix, but so may bonds and fixed annuities.

For people that have a “rainy day fund” with no immediate need for it - and want death protection -the answer may be life insurance. A single-premium universal life insurance policy such as New York Life Insurance and Annuity Corporation (NYLIAC)'s4 Instant LegacyTM is designed to guarantee* a financial legacy for the policyholder's heirs, generally free from federal income tax, while also providing a number of “living benefits.” One of the living benefits such policies offer is access** to your money when you need it, provided that your death benefit protection needs have decreased. In uncertain times, you may want to consider this kind of flexibility. 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.

* Guarantees backed by the claims-paying ability of the issuer. ** A policy’s cash value may be accessed via policy loans and/or partial surrenders. Policy loans accrueinterest at the current rate. Loans and partial surrenders reduce the death benefit and cash value. Policy loans and withdrawals may be subject to regular income and may carry a 10% IRS penalty tax if the policyowner is not yet 59 1/2.

1 The Urban Institute, "How Is the Financial Crisis Affecting Retirement Savings?" by Mauricio Soto, March 10, 2009, http://www.urban.org/publications/411847.html2 Centers for Disease Control and Prevention, "Deaths, Final Data for 2006," April 2009, http://www.cdc.gov/nchs/fastats/lifexpec.htm3 The New York Times, "When Nest Eggs Change Colors," by Paul J. Lim, April 4, 2009, http://www.nytimes.com/2009/04/05/your-money/05fund.html4 NYLIAC Instant LegacyTM is issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation), a wholly owned subsidiary of New York Life Insurance Company.

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 as-sets, 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.

the sandwich GenerationThe Sandwich Generation is the largely unheralded group of adults who find themselves raising and providing for young children while also caring and providing for aging parents. If you are a member of this generation, it might seem like there is no safe or reliable investment to protect your family and address your specific needs. But there are more options than you may realize.

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

FinancialPlanning

Designing a Safer, Smarter Retirement StrategyGary Sunadatoo Much House?

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Life and Homes Northern New York