Our Towne Guilderland - November '12

Mid-November 2012Mid-November 2012

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notes from the SUPERVISOR’S OFFICE5209 Western Ave, Guilderland • (518) 356-1980 • www.townofguilderland.org

November is the month when the change of seasons comes to us in full force. It is a

month when things are very busy for people here in Guilderland.Th e Town Highway Department is fully involved these days in the Town’s annual leaf collection program. Our leaf vacuum trucks are circulating through the neighborhoods where they are able to operate, picking up leaves on the scheduled dates for these areas, plus making as many additional swings through diff erent areas as their schedule allows. Highway Department crews will be picking up bagged leaves in neighborhoods where the vacuum trucks cannot operate. Your street’s pick-up dates were printed in the Town newsletter mailed to all our residents in September. If you didn’t note the pickup dates when you received the newsletter, you can check on the Town website, www.townofguilderland.org.Please be sure that leaves are placed in the street adjacent to your curb line to avoid damage to Town equipment, and also show your concern for your neighbors and our Town work crews by not piling leaves in a way that restricts their visibility. Branches and brush set out for pickup need to be cut into pieces no more than 4 feet long and tied into bundles that a single worker can readily pick up for collection. If you have any questions, please call the Highway Department at 861-5108.I have presented the 2013 Town Supervisor’s Draft Budget to the Guilderland Town Board, which will vote on it at its meeting on Th ursday, November 8. Th e ongoing weakness in the national and regional economy, along with New York State’s imposition of a cap on the property tax levy, have caused the Town to evaluate costs very carefully in every area, and to scrupulously avoid being overly optimistic in projecting revenues. I am happy to report that this approach has resulted in a draft budget that

once again leaves the Town tax rate unchanged at 26 cents per thousand dollars of assessed valuationEach year, I like to take the opportunity to encourage residents to keep up on Town aff airs by watching government meetings on Channel 17 on local cable television. Town Board meetings are on the fi rst and third Tuesdays of each month, and are broadcast live on Channel 17, then rebroadcast at 1:00 and 7:30 P.M. on the following Friday, and at 7:00 P.M. on the following Saturday. Th e Zoning Board of Appeals meets on the fi rst and third Wednesday of the month. Th ese meetings are broadcast live, then replayed at 1:00 P.M. the following Th ursday and at 7:00 P.M. the following Saturday. Th e Planning Board meets on the second and fourth Wednesday of the month, with live broadcasts of its meetings, as well as replays the following Th ursday at 1:00 P.M. and the following Saturday at 7:00 P.M. Altamont’s Village Board meets at 7:00 P.M. on the fi rst Tuesday of the month, and its meetings are taped for rebroadcast at 11:00 A.M. and 5:00 P.M. on the Th ursday and Saturday after the meetings.I think that this is a time of year when all of us in Guilderland can refl ect on all that we have to be thankful for in a community like ours. I would like to take this opportunity to extend my wishes for a happy Th anksgiving to all of Guilderland’s residents and their families.

Kenneth Runion, Town Supervisor

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NEW TODDLERPROGRAM

The Guilderland Chamber of Commerce moved offi ces at the end of October; the new offi ce

is still in Star Plaza but on the second fl oor at the side entrance by the liquor store. Star Plaza has both east and west entrances with offi ce suites upstairs, and we are happy to be moving to a cozy but still centrally located spot! Our Towne Guilderland is located in our offi ces too, which is great. Stop by!

November brings our big “Guilderland Wedding Week” to the area. Th e stores involved in wedding week will be off ering demonstrations, samples, fashion shows, and workshops, and we hope this inaugural year is successful for us all. Bringing people to visit or shop in Guilderland is good for us all. Visit www.guilderlandchamber.com for a list of the almost 20 merchants and stores.

A nail salon called Happy Nails is moving into the chamber’s former offi ces, which will fi ll up Star Plaza nicely. FIN, Your Fishmonger is now expecting to open in December; and I see that Crispy Basil Pizza is still in renovation stage at the former Friendly’s. Texas De Brazil Steakhouse is coming to Crossgates Mall in the early spring, and sounds wonderful!

Lastly, Wed. Nov. 28-Th e Chamber’s Pre-Holiday Party is at Pinehaven Country Club, 1151 Siver Road, Guilderland. It is open to anyone; as a matter of fact we are partnering with the Capital District and Upstate NY Professionals and the Albany County Visitors Bureau for this event, so come! Kick off the holiday party scene before it gets too hectic! Cocktails, catering by Ruggieros Catering at Siver Hills, raffl es, and more! Sponsored by Bouchey and Clarke Benefi ts. $10. 5:30-7:30 pm.

Kathy Burbank, President

message from the CHAMBER OF COMMERCE2050 Western Ave, Guilderland • (518) 456-6611 www.guilderlandchamber.com

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Setting the Course... COMMUNITY EVENT TO EXPLORE WHERE WE ARE; WHERE WE ARE

GOING AS A SCHOOL DISTRICTGUILDERLAND, NY—On Tuesday, November 27*, GCSD will host a community-wide event to take a closer look at some of the most pressing issues currently facing the school district and education in general. “Setting the Course: Successfully sailing through today’s education environment” will be held from 7 to 9 p.m. in the Guilderland High School LGI and is open to all school community members.

The evening will begin with a brief presentation on the current state of the district, followed by a “town hall” style question and answer period between the community and school leaders. Participants will then have the opportunity to work in small groups to further discuss the community’s priorities regarding which direction the district should be going as a leader in education.

In particular, attendees will learn about and discuss topics relating to:

● What do we know about our district and the community it serves? How can we collect information to guide future decisions? ● In New York State and today’s environment, what must we do to be successful?

● In New York State and today’s environment, what should we do because we are the Guilderland Central School District?

We hope that you will be able to join us for this important meeting about the future of our schools. If you plan to attend, kindly R.S.V.P. by November 20, 2012 either by phone at 456-6200, ext. 3102 or via e-mail: [email protected]. Community members may also R.S.V.P. online at: www.guilderlandschools.org.

* Snow date: Tuesday, December 4, 2012


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from GUILDERLAND MARTIAL ARTS2563 Western Ave, Guilderland • (518) 690-1269 • www.guilderlandmartialarts.com

Master Rice owns Guilderland Martial Arts and holds a 5th degree Black Belt in Taekwondo. Master Rice is also a Math teacher at Guilderland High School. Guilderland Martial Arts off ers classes starting at age 4 as well as an afterschool program and summer camps. For more information please call 690-1269.

As we approach Thanksgiving it is a common exercise to refl ect on one’s life and accumulate in your mind the

things you are thankful for. This month we are going to do it backwards. Start by thinking of all of the things that you are not satisfi ed with. Create a mental list of the things that are not working or have not worked out the way that you would like. Once you have the list, you will fi nd two kinds of items on the list: those things that you can control and those that you cannot. You must eliminate from your mind all of the things you cannot change - you must fi nd a way to let go of them – just make sure that you really cannot control them in any way. Then for the remaining items you must make a plan of action to change. You must do this. Dissatisfaction is acceptable, but only if it causes change. Dissatisfaction without a plan for change is just a recipe for depression and is like poison to our body and mind. If you really do this, and really focus on a plan you will feel much better since you will be actively pursuing resolutions. Your active pursuit will give you satisfaction if you are really trying to do everything in your power to make the change while persevering.

Now that you have addressed your dissatisfaction you are able to clearly focus on appreciation for all of the great things in your life. Your mind is clear and working on a plan and can now concentrate on the wonderful elements that make you who you are. The reminding of oneself of the long list of things you are grateful for will even serve to motivate

you more to resolve the things you are not satisfi ed with. It will keep you on the path to success as you realize that those things you were dissatisfi ed with can in fact be added to your grateful list with diligence and perseverance.

Now that you have your lists going in your mind and are working through your plans to add more things to the list, you can concentrate on acting in ways that will give other people reasons to be grateful. Imagine if each of us had this selfl ess approach in our minds as a focal point for how we act; each of us trying to act in ways that would make other people grateful. Others may be grateful directly to you or just have a general appreciation of their situation, it doesn’t really matter. What does matter is that the overall effect on our community and our family would be positive and everyone would be more successful.

I realize that this is a really tall order. You don’t think I can do all these things all the time, do you? Writing this column is cathartic and refl ective for me. It gives me a way to refocus my energy in the proper areas. You help me do

that, and for that, I am very grateful. I have a tremendous amount of things to be thankful for and one of them is you. I sincerely thank you for being a great audience; it helps me be a better person each month. Have the best Thanksgiving ever!

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Steven J. Oshins, D.D.S.

Q. Can I still enjoy Halloween Candy without worrying about my teeth?

A. Halloween candy definitely gets a bad wrap at the dentist office. But we are here to tell you a few tips that will allow your kids to still enjoy their Halloween candy. Sugar in candy is the main culprit in causing cavities. Bacteria in the mouth turn sugar into harmful acid that eats away at the tooth structure. Actually, this process is true with many other foods and drinks that contain sugar, so these tips are useful everyday, all year long.Here are several ways to prevent cavities from Halloween candy:

• Limit the total amount of candy (sugar)• Eat a few pieces at one time, instead of several times

throughout the day• Avoid extra hard or sticky candy• Brush and floss the teeth to remove sugar and plaque

before it can do damage• Drink water to dilute the acid and remove food debris• Chew sugar free gum to remove food debris and

stimulate protective saliva flowUsing a combination of these steps will help minimize the risks of cavities in your family’s teeth, especially when our homes are filled with Halloween candy this fall.

If you have any questions, please call my office at 518-356-5635 and ask for Dr. O!

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HIGH SCHOOL STUDENT NEWSPAPER, THE JOURNAL,

WINS 20 AWARDS AT STATEWIDE COMPETITION

GUILDERLAND, NY—The Journal, Guilderland High School’s student-run, public-forum newspaper, recently received twenty awards from the Empire State School Press Association (ESSPA). Scholastic newspapers from across the state were judged by professional journalists and the faculty of Syracuse University’s Newhouse School of Journalism.

The Journal’s commendations included ten Gold awards, the highest honor, including an Overall Gold award for the Highest Category of Achievement in scholastic newspaper publication, and two Gold awards for “Service to School:” one for a series of stories on student drug use and recovery, and one for a series of stories on bullying as a high school epidemic.

For the second year running, staff swept the Gold awards in the design classifi cations: Front Page Design portfolio, Layout and Typography portfolio, and Overall Design portfolio. Co-Editor-in-Chief Michael Dvorscak (’12) was awarded an individual Gold medal in Overall Design for his portfolio of work.

For the fi rst time ever, The Journal also swept Gold awards in the Feature Journalism category. Tony Pitkin (’12) was awarded Gold for his feature which told the story of a GHS student recovering from drug addiction. Justina Liu (’14) was awarded Gold for her feature covering bullying in schools, and an additional Bronze award for her profi le featuring a GHS alumnus’ service in Afghanistan.

Devin Keenholts (’12) was awarded the lone Gold in the category of Sports Photography for her capture of the boy’s soccer team celebrating a Sectional playoff win; Silver for her photography of fl ooding following Hurricane Irene, and Silver for Photography portfolio. Devin was among the most lauded scholastic photojournalists in the state.

Madi Taylor (’12) was awarded Gold in the category of Illustration Portfolio for her consistent and diverse renderings, particularly of political fi gures, across the course of the year.

Silver awards: Michelle Xiong (’14) in the category of Special Event Coverage for her account of the fi nal Cultural Fair “as we knew it;” and the staff of the Journal for its extended, in-depth coverage of bullying.

Bronze awards: Tara Jackson (’12) for Feature Photograph of the GHS Cultural Fair; and the staff of The Journal for its editorial assessing the impact of the Occupy movement.

Honorable Mentions: Lexi Rabadi (’12) & Jimmy McLaughlin (’12), for Sports Feature; Shelby Iapoce, (’12) for Sports News; and the Staff of The Journal for their coverage of “Occupy Albany.”

The Journal was among the most honored school newspapers in the state. For more information, contact Empire State School Press Association Director Sherri Taylor of Syracuse University at 315-443-2626 or Chris Mazura, The Journal adviser and GHS English teacher at [email protected]


message from the GUILDERLAND PUBLIC LIBRARY

2228 Western Ave, Guilderland • (518) 456-2400 www.guilpl.org

With all the expenses of a modern day wedding, the Guilderland Public Library can save you money with your planning. We have many books to help you plan your big event. Below are just of few of them to give you ideas for one of the biggest parties you will ever throw:

Bridal bible : inspiration for planning your perfect wedding by Sharon Naylor [et al.].

The Everything Vegan Wedding Book by Holly Lefevre

The DIY Bride: an affair to remember by Khris Cochran

Vintage Weddings: one hundred years of bridal fashion and style by Marnie Fogg

The essential guide to gay and lesbian weddings by Tess Ayers and Paul Brown.

The Knot ultimate wedding lookbook : more than 1,000 cakes, centerpieces, bouquets, dresses, decorations, and ideas for the perfect day by Carley Roney and the editors

of TheKnot.com.

Handmade weddings by Laura Maffeo & Colleen Mullaney.

I do :a guide to creating your own unique wedding ceremony Sydney Barbara Metrick ; illustrated by Terry Hatcher.

We also have separate guides about bridal gowns, wedding cakes, and fl owers:

It’s all about the dress : savvy secrets, priceless advice, and inspiring stories to help you fi nd “the one” by Randy Fenoli.

Martha Stewart’s wedding cakes by Martha Stewart and Wendy Kromer.

The new book of wedding fl owers : simple & stylish arrangements for the creative bride by Joanne O’Sullivan.

And when you are so stressed you want to cry… enjoy a good laugh with Bridesmaids [DVD]; directed by Paul Feig ; written by Annie Mumolo and Kristen Wiig.

November is Wedding Month in Guilderland!

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Daniel Bauer is a principal and Vice President of AllSquare Wealth Management, LLC. AllSquare Wealth works with each of our clients to develop an Investment Policy Statement, which includes a target allocation to various asset classes, including foreign stocks.

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Upcoming EventsJoin us for our wine tastings

Next Tasting Saturday, November 17th

CARMAN CCCCARMANC ANCCARMAN LIQLIQUUORORMon.-Sat. 9am-9pm Sun. 12pm-6pm

WINE TASTINGst

hosted by Phil Tartaglione from Sean Minor Wines

for the Holidays!

Normanside Country Club • 150 Salisbury Road • Delmar www.normanside.comOpen: Tuesday-Sunday for Lunch & Dinner Reservations appreciated 518.439.4505 ext. 19 • Take Out Available

Special OfferOPEN TO PUBLICOPEN TO PUBLIC$$10 OFF10 OFF

your bill of $50 or more

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With this coupon. Expires 11/30/12

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bluespiceny.com Please park in the Municipal Lot when dining with us.

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from TABAK & KIOSSE, LLP100 Great Oaks Boulevard, Suite 122, Albany NY 12203 • (518) 464-4095 • www.tklawllp.com

HOW MUCH AND HOW LONG?

A new client will often ask me how long their case will take and how much it will cost. A few

factors (and misconceptions) are:1. We have a lot of money and therefore this is a complicated case. Not always. If a family has assets well in excess of their debts it is often easier to resolve because it may be a matter of determining who gets what and there is enough to go around. The more diffi cult cases are when there are nominal assets, income, or signifi cant debt. It is often much more complicated to fi gure out a plan for supporting two households when the family is barely getting by together in one household. When there is signifi cant debt, no one wants to divide it up, and it is passed around like a hot potato. There are times when a family is so heavily burdened with debt that facing the prospect of living apart may force one or both into a bankruptcy. 2. Someone in the family is self-employed. There are many self-employed people who are honest to the penny as to their income and expenses. Sadly for us taxpayers, there are many who are not. If a spouse is reporting income of $20,000 for the past 10 years, but the family lives as if that person is making $200,000, it makes things much more diffi cult when there is a break-up as the person who is making the money will point to a tax return and say “see, we are a family earning $20,000” and the other person says “we live like a family who earns $200,000, even though I signed a joint tax return affi rming that $20,000 was correct.”

3. Reasonableness of the spouse and the lawyer. While you may be the most reasonable person in the world, and listen to my advice, your spouse may not be so reasonable, which is often why you are in the divorce process to begin with. Your spouse’s attorney may assert an unreasonable position, or may simply want to “churn” the fi le. Thankfully, most of my colleagues do not fall into this category. However, there are those who use every tool at their disposal, whether they need to or not.

This is a very rough sketch of the many factors that can affect the time and expense of a legal matter. A case in litigation has other factors that can cause delay or expense such as the particular judge assigned, the court, scheduling of parties, attorneys, and witnesses. As you proceed in any case, it is good idea to speak to your attorney from time to time as to where you are in the process, the direction your case is taking, and what decisions and actions can be taken to limit the time and expense involved. While your attorney cannot predict every twist and turn, a seasoned and practical attorney can steer you in the right direction, and give you the knowledge to make informed choices.

Margaret C. Tabak is a partner at Tabak & Kiosse, LLP, a law fi rm located in Great Oaks Offi ce Park (near Crossgates Mall). Along with her partner (Leyla A. Kiosse), Attorney Tabak counsels clients on all matters related to matrimonial and family law. A resident of Guilderland for more than 20 years, Margaret received her undergraduate degree from SUNY Albany and her law degree from Albany Law School. If you have questions about a matrimonial or family law issue, contact Attorney Tabak for a consultation by calling 464-4095 or visiting the fi rm’s website, www.tklawllp.com.


10 Walker Way • Albany, NYlocated behind the Central Steakhouse in Colonie

BUY FROM THE SOURCE!32 Company owned quarries throughout North America including two quarries located here in New York! This allows us to provide you with the highest quality products,

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Builders and Contractors Welcome!

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Hours: Mon.- Fri. 8 am - 5 pm • Saturdays 10 am - 2 pm

Call for a FREE Estimate(518) 355-0169

SINCE 1988

$500 OFF Any Purchase of $3,500 Or More

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Before After

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UUpholsterypholsteryA CUSTOMER SERVICE BUSINESS

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We want to thank our customers by giving away a free matching throw pillow with any reupholstery of a chair or sofa sold in November.

We appreciate your patronage through the years!

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from SPORTS & SPINAL WELLNESS CENTER2021 Western Ave, Guilderland • (518) 869-3415 • www.sportsandspinalwellness.com

It’s that time of year again. The kids have been is school for a few months, the leaves have fallen from the trees, the days are

colder and darker and the Halloween sugar feast is fi nally over. So now it is offi cially cold and fl u season. It is time to gear up for sick kids with runny noses, stomach bugs, coughs, and colds. You may have already stocked up on hand sanitizer, tissues, Gatorade, soup, crackers, and the emergency bottle of Tylenol. But what is your BEST defense against having an entire household plagued with illness? Start with a strong immune system.

It is estimated that 70-80% of our immune system is in our gut or small intestine. There are as many as 500 strains of bacteria and fungi living in the dark hollow of our guts. Some of these microorganisms are considered “good” bacteria and some are considered “bad”. The strongest immune system is one with a ratio of 85% “good” and 15% “bad”. We need this balance to keep the entire gut ecosystem constantly fi ghting off germs and illnesses.

I like to use the analogy that your gut lining is like a lawn. When a new house is built there is typically just a dirt yard. This is the gut of a new born baby that has not been exposed to any bacteria, germs or environmental “bugs”. Now to make your lawn grow into a beautiful lush fi eld you need to plant some seeds, nurture it with some water and fertilizer and from time to time you may need to reseed it. Now think of our gut in this same way. We need to plant the seeds “good bacteria” which are termed probiotics and then feed those bacteria so they can multiply and grow into this lush fi eld of germ fi ghting microorganisms.

So how do I get these probiotics? Some are naturally occurring in the foods we eat such as: Yogurts, kefi r, buttermilk, Tempeh (fermented "cake" made from soybeans; used as a meat), Miso (soybean paste used in Asian dishes), Kim Chi (pickled, fermented vegetables), Sauerkraut, or other fermented foods. Think of these foods as the water for your lawn. A daily dose is best.

How do I feed my fi eld of “good” bacteria? Eat foods that these “good” bacteria love to eat such as: barley, quinoa, brown rice, oats, corn, whole wheat foods, fl ax, onions, dark green vegetables such as kale, spinach, broccoli, brussel sprouts, berries, bananas, citrus fruits, pears, apples and peaches, beans and legumes, parsnips and carrots and winter squash. Think of these foods as your fertilizer which will help the “good” bacteria grow stronger and be more robust.

Now those of you who have a dog, like we do, know that you can see every spot in your lawn where the dog decides to go to the bathroom. The yard may be spotted with dead grass. Now if your husband is like mine and wants a spot free yard, he will be chasing the dog around with the garden hose every time he goes out to the bathroom to water the spot down. So in attempts to continue on this desire for the lush grass you reseed and fertilize and in a week the grass grows again. This is what happens when we take antibiotics. The antibiotics kill all the bacteria in your gut, good and bad. While this may have gotten you over your bacterial infection, it has set you up with a weakened immune system and may predispose you for future illness. I often hear this from women who have been on an antibiotic and end up with a cycle of yeast infections. This is also common with children who have been on antibiotics for an ear infection, sinus infection, or strep throat but then illness reoccurs or they come down with the next illness going around school.

The solution is to “reseed” your gut by taking a probiotics supplements. If you have been on an antibiotic, take a supplement for twice as long as the antibiotic dose immediately after you are done with the antibiotics. Do not start during the course of antibiotic treatment because it makes the antibiotic less powerful and my not be able to completely knock out your infection. Plus, the probiotics may not survive long in the presence of the antibiotic. If you tend to have seasonal allergies, take a probiotic supplement during the month before your allergies start to kick in. If your kids seem to pick up every little bug that they are exposed to, give them a supplement for one month and then adjust accordingly.

What happens when your yard is full of weeds? This can happen in our guts too. This is when too many “bad” bacteria have overgrown and take control of your gut. This usually happens from eating too much simple sugar from candy, sweets, juices, breads and white fl our. The “bad” bacteria love these foods. This is my theory as to why all the colds and fl us explode after the Halloween candy feast. Symptoms of too much “bad” bacteria include sugar cravings (because those bad guys down there want more food) headaches, fatigue, cystic acne, bloating, gas, irregular bowel movements,

diffi culty with concentration, and much more.

Remember to plant your seed (take probiotic supplements periodically), water daily (eat yogurt or fermented foods) and fertilize (eat foods that feed the good bacteria) and you will have a much stronger immune system.

If you have questions about probiotics or another health concern please feel free contact me at: [email protected]

GROWING A STRONG IMMUNE SYSTEM By Dr. Kim Keeling

Dr. Kim Keeling resides in Guilderland with husband, Mark, and two children,Tristan and Taylor. She graduated from Northwestern Health Sciences University in Bloomington, MN. She has been a Certifi ed Chiropractic Sports Physician for eight years.


MARK’K’S’S TREE SERVRVICE “Don’t ask why we’re so low - Ask why they’re so high”

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Family Tae Kwon Do Training

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Celebrating Our 30th Anniversary!

TUESDAY & FRIDAYFamily Style Chicken Parm orGrilled Lemon or Cajun Tilapia Dinner

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CLAM NITES $5.25

The Perfect Holiday

Gift! Turn 12 of your favorite photos into a gift that’s cherished long after the year’s over.

November Special: Only $19.95 Reg: $29.95 1971 Western Ave Guilderland, NY 452-6085 [email protected] Next to Hewitts Garden Ctr

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PEGA Plaza • 2021 Western Avenue • Guilderland • 456-8040Western Dental Care • Santhosh K. Thomas, DDS

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Winter is fast approaching, so prepare your vehicle(s) so you make it safely through to Spring Cleaning time! Here at Scrapster we don’t have a choice-we HAVE to get ready. Driving around all day and working outside requires a greater attention to detail when it comes to getting ready for ice and snow. Here are some basic tips we follow that may seem obvious, but have become steadfast rules.

Install snow tires, they exist for a reason. Typically install a narrower tire as wide tires tend to fl oat on top of the snow. They provide better handling and braking and traction will be improved by 25% in deep snow (up to 40% with studded tires). Replace all 4 tires, not just 2, as this could cause you to lose control of your vehicle with one set of tires handling the snow and the other 2 not.

Go to an auto parts store and have your battery tested for free to alert you to any potential problems and avoid your worst nightmare-being stuck in the snow with a dead battery. Did I mention it is free? It’s free! This is the perfect opportunity to check and replace your wipers and windshield wiper fl uid. Do yourself a favor-buy an extra bottle for every car you own.

Scrapster is local family owned business which provides a NO COST scrap metal, appliance and electronics removal service. We are fully insured, convenient, and reliable and we always provide top Quality work to get the job done safely and correctly. Everything is properly recycled, disposed of or donated. Our other services include very reasonably priced junk removal and clean outs.

To schedule an appointment, please call us at (518) 505-5055. Please Like us on Facebook and visit us at www.scrapster.com for news, tips and information about recycling.

Scrapster’s Winter Vehicle Readiness Tips!




It is election time and the question always asked is “Are you better off today than you were four years ago.” This isn’t intended to be a political commentary but in terms of Guilderland real estate you likely are better off today than you were four years ago. It doesn’t matter whether you bought a home in 2008 or have held off and plan to buy now. Here is why.

In 2008, the median home price in Guilderland for existing single family home sales was $225,000. In 2012, the median single family home price for Guilderland is still hovering around $225,000 according to local Multiple Listing sales data. However, here is what has changed. In 2008, the 30 fixed rate mortgage was 6.5%, today the 30 year fixed rate is averaging about 3.35%.

In real terms it means you can purchase a similar Guilderland home in 2012 that you could in 2008 and your monthly mortgage payment would be roughly $400/month less! Think about that, an extra $400 in your pocket every month. If you bought in 2008 your home value has remained stable but you have the ability to refinance at today’s rate. I have seen clients refinance, pull money out to remodel a kitchen, and their payments have gone down. I have recently resold homes for clients that bought in 2008 so they could buy a larger home. They moved to a larger home in a better school system and their monthly payment stayed the same all due to the drop in mortgage rates! So in terms of real estate you are likely better off than you were 4 years ago.

What about if you bought a home in 2006 or 2007?

Unfortunately if you bought around the market peak of 2006 or 2007 you likely have seen your home’s value decline. The drop in value may put you in a position that you owe more than the home is worth and make refinancing to take advantage of lower mortgage rates impossible. It may mean if you sold your home today you wouldn’t net enough to pay off the mortgage. We are seeing a variety of clients in this unfortunate situation. However there is good news!

In response to the plight of homeowner’s that purchased in 2006 and 2007 that may owe more than their home is worth we have a variety of products to help! In certain cases we will even sell your home free of charge! If you want to sell your home but think you owe more than it is worth call us for our free 24 hour message describing our system at 1-800-448-7016 Ext 9001. We look forward to helping you!

Are you better off than you were four years ago in terms of home ownership?

Kevin Clancy has been providing real estate appraisal and brokerage services in the Capital District for the past 18 years. A NYS real estate broker, general certifi ed real estate appraiser, and best selling author, Kevin received an undergraduate degree in marketing from Siena College and an MBA from the University at Albany. He resides in Altamont with his wife and two daughters. Kevin can be reached in the offi ce at 518-861-7016.

www.ClancyRealEstate.com

from CLANCY REAL ESTATE1977 Western Ave, Guilderland • (518) 861-7016 • www.clancyrealestate.com


Emergencies 911POISON CONTROL 800-336-6997

Ambulances:Voorheesville Area 765-2344Western Turnpike Rescue Squad - Centre Drive 456-3600Western Turnpike Rescue Squad - Carman Road 456-5144

Police: (Non-emergency)Altamont Police Department 861-5480Guilderland Police Department 356-1501New York State Police-Guilderland Substation 456-1118

Fire Departments: (Non-emergency)Altamont 861-8171Fort Hunter 355-2434Guilderland 456-5000Guilderland Center 861-8871McKownville 489-4340Voorheesville 765-4048Westmere 456-5200

Post Offices:Altamont 861-6953Guilderland 456-1400Guilderland Center 861-5090Stuyvesant Plaza 438-0773

Schools: Altamont Elementary 861-8528 Christ the King School 456-5400 Guilderland Schools Transportation 861-6434 Guilderland District Administration 456-6200 Guilderland High School 861-8591

Farnsworth Middle School 456-6010 Guilderland Elementary 869-0293 Lynnwood Elementary 355-7930 Pine Bush Elementary 357-2770 St. Madeleine Sophie 355-7930

Westmere Elementary 456-3771

General Information:Albany Better Business Bureau 1-800-828-5000Albany County Clerk’s Office 487-5100Albany County Executive’s Office 447-7040Altamont Fairgrounds 861-6671Altamont Village Hall 861-8554Guilderland Animal Control Officer 356-1501Guilderland Animal Shelter 861-6855Guilderland Chamber of Commerce 456-6611Guilderland Highway Department 861-5108Guilderland IDA 356-1980Guilderland Interfaith Council 456-5410 or 355-3000Guilderland Parks & Recreation Department 456-3150 Guilderland Performing Arts Center 456-8604 Nott Road Park 869-9884 Park Superintendent 456-8220 Summer Day Camp (Tawasentha) 456-3475 Town Pool 456-4446Guilderland Public Library 456-2400Guilderland Town Hall 356-1980Guilderland Transfer Station 861-6776Guilderland Water & Wastewater Management Dept. 456-6474

Important Numbers

Robert J. NuttallRobert J. NuttallC O N T R A C T I N G

Serving Guilderland since 1980

355-5290Short on Space?

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Replacement WindowsInterior Exterior Painting

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Proud to be a Guilderland Resident


Stay comfortable inside, no matter what happens outside. In our eyes, nothing is more valuable than feeling comfortable. Especially when it comes to making a Bryant® equipment purchase. And with a 10-year parts limited warranty* and high-effi ciency performance, the Evolution System delivers the long-lasting comfort you depend on and the energy savings you deserve.

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UP TO $1,150 COMBINED SAVINGSCall for details.

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US POSTAGE PAID

ALBANY, NYP N . 518

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STAR PLAZA - 2050 Western Ave, Suite 201Guilderland NY 12084

To Adver se in the Our Towne Guilderland Monthly Shopper, Please Call (518)356-3898

DEADLINE- Last Friday of Each Month

Guilderland Market Update - September YTD

1414 Western Avenue, Guilderland • Phone: 438-9302 • email: [email protected]

Documents

Our Towne Guilderland - November '12