Dollar Saver Albany-Schenectady-Schoharie February 2013
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A Unique Salon Experience Michael Marsello Owner 1716 Union Street, Schenectady, NY 12309 (518) 377-7853 DISCOUNT PROPANE, FUEL OIL AND TRASH REMOVAL 6,000 MEMBERS STRONG. 3,000,000 GALLONS OF BUYING POWER. NO GIMMICKS, NO DOUBLE TALK, NO INSTALLATION FEE, NO TANK RENTAL FEE, NO JUNK FEES, FREE PRESSURE TEST, FREE TANK SET, STABLE PRICING.WE HAVE TANKS (Free Lease or Purchase) (518) 882-5445 www .Gal wa yCo-op.com A ACCURATE MECHANICAL Home Restoration Repair & Remodeling PLUMBING,KITCHENS,BATHS, CARPENTRY ,WINDOWS,DOORS, INSULATION,METAL ROOFS ALSO SERVING MOBILE HOMES MOBILE HOME REPAIR (518) 701 - 3608 [email protected]online-am.com Good Earth Middleburgh Trading Post Good Earth Middleburgh Trading Post DOLLS - ANTIQUES ESTATE - JEWELRY TOOLS - TOYS - CARVED BEARS DOLLS - ANTIQUES ESTATE - JEWELRY TOOLS - TOYS - CARVED BEARS 2084 SR 145 POB 111 MIDDLEBURGH, NY 12122 518-827-4700 [email protected]www.Middleburgh.com www.dollsale.com 2084 SR 145 POB 111 MIDDLEBURGH, NY 12122 518-827-4700 [email protected]www.Middleburgh.com www.dollsale.com A visual experience Present This Ad & Receive 10% OFF Open: Friday, Saturday, Sunday, Monday 11am-5pm Open: Friday, Saturday, Sunday, Monday 11am-5pm DOLLARSAVER February Albany-Schenectady-Schoharie Edition Give thanks to the LORD, for he is good; his love endures forever. ~Psalm 107:1
Transcript
A Unique Salon Experience
Michael MarselloOwner
1716 Union Street, Schenectady, NY 12309(518) 377-7853
DISCOUNTPROPANE, FUEL OIL AND
TRASH REMOVAL6,000 MEMBERS STRONG. 3,000,000 GALLONSOF BUYING POWER.
NO GIMMICKS, NO DOUBLE TALK, NOINSTALLATION FEE, NO TANK RENTAL FEE,NO JUNK FEES, FREE PRESSURE TEST,
FREE TANK SET, STABLE PRICING. WE HAVETANKS (Free Lease or Purchase)
(518) 882-5445www.GalwayCo-op.com
AACCURATEMECHANICALHome Restoration Repair & RemodelingPLUMBING, KITCHENS, BATHS,CARPENTRY,WINDOWS, DOORS,INSULATION, METAL ROOFS
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Eating an apple a daymight in fact help keepthe cardiologist away, newresearch suggests.
In a study of healthy,middle-aged adults, con-sumption of one apple aday for four weeks low-ered by 40 percent bloodlevels of a substancelinked to hardening of thearteries.
Taking capsules con-taining polyphenols, atype of antioxidant foundin apples, had a similar,but not as large, effect.
The study, funded by anapple industry group,found that the apples low-ered blood levels of oxi-dized LDL — low-densitylipoprotein, the “bad” cho-lesterol. When LDL cho-lesterol interacts with freeradicals to become oxi-dized, the cholesterol ismore likely to promote in-flammation and can causetissue damage.
“When LDL becomes ox-idized, it takes on a formthat begins atherosclero-sis, or hardening of thearteries,” said lead re-searcher Robert DiSilve-stro, professor of humannutrition at Ohio StateUniversity and a re-searcher at the universi-ty’s Ohio Agricultural Re-search and DevelopmentCenter. “We got a tremen-dous effect against LDLbeing oxidized with justone apple a day for fourweeks.”
The difference was sim-ilar to that found betweenpeople with normal coro-nary arteries versus thosewith coronary artery dis-ease, he said.
The study is publishedonline in the Journal ofFunctional Foods and will
appear in a future printedition.
DiSilvestro describeddaily apple consumption assignificantly more effectiveat lowering oxidized LDLthan other antioxidants hehas studied, including thespice-based compoundcurcumin, green tea andtomato extract.
“Not all antioxidants arecreated equal when itcomes to this particulareffect,” he said.
DiSilvestro first becameinterested in studying thehealth effects of eating anapple a day after readinga Turkish study thatfound such a regimen in-creased the amount of aspecific antioxidant en-zyme in the body.
In the end, his teamdidn’t find the same effecton the enzyme, but wassurprised at the consider-able influence the appleshad on oxidized LDL.
For the study, the re-searchers recruited non-smoking healthy adults be-
tween the ages of 40 and 60who had a history of eatingapples less than twice amonth and who didn’t takesupplements containingpolyphenols or other plant-based concentrates.
In all, 16 participantsate a large Red or GoldenDelicious apple purchasedat a Columbus-area gro-cery store daily for fourweeks; 17 took capsulescontaining 194 milligramsof polyphenols a day forfour weeks; and 18 took aplacebo containing nopolyphenols. The re-searchers found no effecton oxidized LDLs in thosetaking the placebo.
“We think the polyphe-nols account for a lot ofthe effect from apples,but we did try to isolatejust the polyphenols, us-ing about what you’d getfrom an apple a day,”DiSilvestro said. “Wefound the polyphenol ex-tract did register a meas-urable effect, but not asstrong as the straight ap-
ple. That could either bebecause there are otherthings in the apple thatcould contribute to theeffect, or, in some cases,these bioactive com-pounds seem to get ab-sorbed better whenthey’re consumed infoods.”
Still, DiSilvestro saidpolyphenol extracts couldbe useful in some situa-tions, “perhaps in higherdoses than we used in thestudy, or for people whojust never eat apples.”
The study also foundeating apples had someeffects on antioxidants insaliva, which has implica-tions for dental health,DiSilvestro said. He hopesto follow up on that find-ing in a future study.
The study was conduct-ed as a Master’s thesis bygraduate student ShiZhao, and was funded bya grant from the U.S. Ap-ple Association/AppleProduct Research and Ed-ucation Council and a do-
nation from Futureceuti-cals Inc. of Momence, Ill.
Also involved in thestudy were associate pro-fessor Joshua Bomserand research associate
Elizabeth Joseph, both inthe Department of HumanNutrition, which ishoused in the university’sCollege of Education andHuman Ecology.
Study: An apple a day lowers level ofblood chemical linked to hardening of the arteries
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by David UffingtonBank pile on fees
Because of the new banking lawsthat limit how much banks can chargeretailers, user fees have continued torise as banks have hustled to find oth-er ways to prop up their income.
The recent 15th annual survey byBankrate shows that the averagemonthly fee is now in the range of$5.50 — up 25 percent in a year —for accounts that don’t pay interest.For accounts that do pay interest(averaging 0.05 percent), thatamount is more than $14.
ATM fees also are up, averaging
$1.57 (charged by your own bank) ifyou make a withdrawal at a bank notyour own. The bank that you withdrawfrom will charge an average of $3.50 ifyou don’t have an account there.
Overdraft charges now average $31.Non-sufficient funds charges are
all in the $30 range across the coun-try, except for two states.
Free checking is on its way out:Only 39 percent of checking ac-counts today free, as opposed to 76percent of banks offering free check-ing back in 2009. “Free” not onlymeans free of a charge for having theaccount, but being free of the re-
sponsibility of meeting the bank’s re-quirements, such as keeping a mini-mum balance.
There are ways to get around beingcharged fees, but they aren’t foreveryone. Setting up direct deposit isone way, but not everyone works fora company that offers to pay elec-tronically. Another way is to agree tokeep a higher minimum balance atall times, although those minimumshave continued to rise, in many cas-es to more than $6,000.
Banks are betting that you won’tabandon them despite higher fees,that you’ll decide it’s just easier tostay and hand over the money, nomatter how high the charges go.
They have a point: If you changebanks you might need to deal withnew routines, the inconvenience ofchanging a direct deposit, new tellerswho don’t know you, and more. Per-haps you have a loan with an inter-est rate that’s directly tied to havingan account (not a good idea, for obvi-ous reasons).
Best bet: Per Bankrate, more than70 percent of credit unions still havefree checking. If your bank’s fees arecontinuing to climb, investigate acredit union near you. The “pain” ofswitching banks is only temporary.
For more information, seebankrate.com.
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by Tom Turpin, Professor of Ento-mology, Purdue University
Back in biblical times John theBaptist was a participant. Longbefore European settlers showedup in the so-called New World, sowere Native Americans. Ditto theancient people living in the Orient.We’re talking about entomophagy— eating insects.
Yes, according to Old Testamentbiblical accounts, John the Bap-tist wandered in the wildernessand chowed down on locusts andwild honey. I suppose one couldargue that John didn’t have muchin the way of food choices availableso he had to make do. Locusts,called grasshoppers here in theU.S., would have been plentiful.These insects were so commonand numerous as to constitute oneof the biblical plagues inflicted onthe Egyptians of the time.
On occasion, Native Americanswere also said to have engaged inthe eating of insects. It was themassive emergences of periodicalcicadas that attracted the gusta-tory attention of these people. Pe-riodical cicadas, by the way, weremisnamed locusts by the Euro-pean settlers, who were unfamiliarwith the insects that are foundonly in North America.
On the other side of the world,silkworms have been part andparcel of Oriental civilizations forcenturies and not just for the silkthey produced. Many silkwormsended up between chopsticks as afood item. The pupa of the silk-worm is the stage that is eaten.This is because the pupa isformed after the caterpillar hasspun the silken cocoon. The co-coons are boiled to collect the silk.After the average of 1,000 yards ofsilk from each cocoon is harvest-ed, the cooked pupae remain.
Despite the historical precedentfor using insects as a food item,the practice is not currently wide-spread in some parts of the world.Modern people, in general, seemto have an aversion to eating in-sects. Why is not totally clear.However, most people seem to en-joy eating the insect cousins thatlive in the sea. I’m referring toshrimp and lobsters. These seacreatures and insects are botharthropods, animals with an ex-oskeleton, antennae and jointedlegs. So we shun eating the land-dwelling arthropods but pay goodmoney to dine upon the arthro-pods of the sea!
At least we do not, like many oth-er animals such as birds and frogs,
intentionally eat insects. Intention-ally is the operative term becausemost people do consume insects ona regular basis. The weak of stom-ach and insect haters may want tostop reading here. As it turns out,foods of plant origin may includeinsects or insect parts.
So much so that years ago theU.S. Food and Drug Administra-
tion began publishing a documentcalled “The Food Defect ActionLevels.” This document lists themaximum “levels of natural or un-avoidable defects in foods for hu-man use that present no healthhazard.” Here are a couple of ex-amples. Peanut butter: average of30 or more insect fragments in per
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Insects: could they be what’s for dinner?
continued on pg. 15
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100 grams. Tomato juice: averageof 10 or more fly eggs, or 5 ormore fly eggs and 1 or more mag-gots, or 2 or more maggots in 12subsamples of 100 grams. Theseare the defect action levels; any-thing below that is okay to eat.
It is apparent we eat pieces andparts of insects on a regular basis.So why don’t we intentionally con-sume insects? It might be a gener-
al disdain for insects, the ideathat such food is dirty or just thatwe have never done so.
As a food item, insects are highin protein and low in fat, and con-tain fiber and vitamins — nutri-tious food by any measure. Conse-quently, some people have pro-moted insects as a human foodsource and a way to provide morehuman food.
Books on this subject date back
more than a half century. In 1951A. S. Bodenheimer wrote thebook “Insects as Human Food.”In 1971 R. L. Taylor authored“Butterflies in My Stomach,”complete with recipes. Two morerecent titles are “Man EatingBugs: The Art and Science of Eat-ing Insects” by Peter Menzel and“Eat-a-Bug Cookbook” by DavidGeorge Gordon.
Professor Gene DeFoliart started
a food insect website. Insect festi-vals around the U.S., includingBug Bowl at Purdue University,have incorporated insect-cookingand -eating demonstrations aspart of the festivities.
Some people have even suggestedthat insect cultures might be a wayto provide a continuous food sourcefor future space travelers. Just an-other reason, I’m sure, for astro-nauts to complain about the food!
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www.glovecityrealty.com
28 So. Main Street, Gloversville(518) 725-3405
Amy Goebel,Licensed Real Estate
Associate Broker
Amy and her husbandChuck Goebel along with
three young childrenEmma, Derek, and
Jordan have lived in theBroadalbin area for the past 8 years. Amy is from
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Amy provides her clients with lots of knowledgeand experience.
AnthonyChristiano,
Licensed Real EstateSalesperson
Tony is a native ofGloversville and
along with his wife,Denise enjoy their family,
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Make him your agent.
DominicaGasbarra,
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Donna has been alicensed real estate person
with Glove City Realtyfor 8 years. I was born
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home in Bleecker for 16 years and recently decidedto move to the Town of Oppenheim.
Janet Hoose,Licensed Real Estate
Salesperson
I graduated from MayfieldCentral High School. I've
lived in the city ofGloversville for 38 yearswith my husband, John. Iworked at the local phone
company as a telephone operator for fourteen years.Then I was a waitress for eleven years. One of mydream occupations was to become a Real Estateagent, and have been working full time for eight
years, and enjoying it. It's a challenge at times, but Ilove helping people find the right home.
Tara Keane,Licensed Real Estate
Salesperson
I currently reside inBleecker. After
graduating from Mayfieldhigh school. I earned BS
at Alfred State andSUNY Fredonia. I am currently serving ourcommunity at Nathan Littauer Hospital as a
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John Lambo,Licensed Real Estate
Salesperson
John along with his wifeNadine and daughters
Molly and Maggie havelived in the area for 17
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MarianneEdwards,
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Marianne, along with hersons Jake and Lucas, livesin the Town of Mayfield.Marianne is an entrepre-
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She is a graduate of Northeastern University with aDegree in Marketing.GIGI - COMPANY MASCOT Judi Zimmerman
RRREE AA LL EESS TTAATT EE GGUU II DD EESupplement to the Original Valley Pennysaver, the Family Pennysaver and the DollarSaver
Produced by Lee Publications • 6113 St. Hwy. 5 • Palatine Bridge, NY 13428 • 518-673-3237 • 800-218-5586 • www.leepub.com
First time home buyers easily can be overwhelmedby the process of buying a home. In addition to thelegal hurdles associated with purchasing a home, thestress of committing such a substantial amount ofmoney can lead to some sleepless nights.
But first time home buyers in the market for a home can preparethemselves for the process ahead of time. Though the following tipsmight not guarantee a smooth and stress-free home buyingexperience, they can answer a few questions and facilitate theprocess.
• Establish your price range.As the housing crisis of the last several years indicated, manyhomeowners got in well over their heads. Some lost their homes toforeclosure, while others found it extremely difficult to pay theirmortgage each month. First time buyers can avoid such scenariosby honestly assessing what they can afford and searching forhomes within their price range. A host of Web sites, including somelender sites, provide free mortgage calculators so buyers can seejust what they can afford. Lenders often recommend spending lessthan 30 percent of income on housing costs.
• Research rates and taxes.Certain external factors beyond the price of the home will factorinto a homeowner’s monthly financial commitment. Taxes andhomeowner’s insurance can vary greatly depending on a home’slocation. Research property taxes in different communities, andshow around for homeowner’s insurance when looking for a home.
• Expect to pay costs.Closing costs are often a big shock to first time home buyers.Closing costs include lender fees, title and settlement fees, taxes,and homeowners insurance or homeowners association fees.Bankrate.com provides an annual closing cost survey for buyers toget a better feel of just what they will be spending when the timecomes to sign on the dotted line. A lender can also give anestimate of what fees may total.
• Consult some professionals.Real estate professionals in the area might be able to paint apicture of what the real estate market is like at the moment.Prices might be on the rise, on the decline or remaining steady. Iflooking in a specific area, consult with a real estate agent aboutthe area and what to expect.
When shopping for a home for the first time, buyers should expectthe unexpected. However, the surprise element can be reduced ifbuyers do their homework before starting the process.
MORTGAGE &HOME BUYING UPDATE
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VMMVirginia M. Mackey, LLC
Real Estate226 E. Fulton St., Gloversville, NY 12078
144 Prospect Ave., Gloversville Enticing year roundranch with beautiful30 ft. permit on the Great SacandagaLake. Pristine condi-tion inside and out.Views from the deck,lots of storage, wellmanicured, spaciousyard.
119 Bertrand Rd., Mayfield
Lovely home, lovelyyard, lovely location.5 beds, 3.5 baths, in-ground pool, hot tub, wet bar,large attached garageplus huge RV garage.City amenities, easy access to NYSThruway.
200 W. Fifth Ave., Johnstown Phenomenal 3 levelranch on just about1/2 acre, with beautiful in-groundpool, gazebo,screened in summerroom. Plenty of livingspace and storagewith 3 beds, 2 bathsand 2 car garage.
6 Brant Rd., Johnstown
United Country HBE Group, Inc.Specializing in Country Homes, Land and Recreational Property
www.unitedcountry.com6 Slawson St., Dolgeville, NY 13329
#3137 - Dolgeville - 2 family villagehome on large lot with plenty of parking.All separate utilities, natural gas heat,nice large rooms, 5 bedrooms total,great for owner occupant, first timebuyer. . . . . . . . . . . . . . . .Only $45,000
#3069 - Salisbury - 6.6 Acres with nicehorn barn and small cottage, alsoworkshop w/heat. Nice new homesite,open with some woods, great for hobbyfarm. . . . . . . . . . . . . . . . . . . . . $55,000
#3093 - Dolgeville - 33 Ransom St. -Well maintained 4 bedroom home withnew family room addition. 100x150’ lotwith 2 car garage, beautiful level landand located on dead end street. Lotsof living space and energy savingimprovements. . . . . . . . . . . .$119,900
#3064 - Salisbury - Rte. 29A - 3 Acreswith 3-4 bedroom farmhouse and largepond. Open & wooded land, nice set-ting, many updates, but needs morecosmetic work. . . . . .Asking $54,900
Visit Us: www.mohawk-realty.com
MOHAWK Towne & Country RealtySue Leavitt, Licensed Real Estate Broker
Corner Rte. 5 & McKinley Rd., Palatine Bridge, New York518-673-5482
Nelliston brick, sunporch, pocketdoors, wide-board floors, originalstaircase, landscaped LARGE yard
overlooks the Mohawk.
PPaallaattiinnee BBrriiddggee .. .. .. $$114433,,550000Victorian 2-3 bedroom home w/apart. Foyerhas open staircase & fireplace. Living room
w/fireplace, 1 3/4 baths, kitchen has breakfastnook, small den or office. Beautiful hardwood
floors, french doors, deep lot w/garage,Mohawk River view & area for wildlife refuge.
CCaannaajjoohhaarriiee .. .. .. $$8866,,550000A brick fireplace in living room, Canajoharie 3
bedroom Cape with hardwood floors, white pinekitchen, full bath, large attic & basement, garage
and big fenced yard. Affordable taxes.
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There are so many questions that surround sellingyour home: Which realtor should you choose?How do I lure potential buyers?Don’t put your home on the market blindly.Following are a few tips to help get you started:
CHOOSING A BROKER
Speak with two or three brokers from different agencies. Ask themthe same questions to compare what they would do to sell yourhome. Some questions to ask include:
• How many years have you been in business?
• How long have you sold houses in this area?
• How many houses did you sell in the past year?
• What is your commission?
• If I were to work with you, how would you best market my house?
• Will you organize meetings with potential buyers and will youcoordinate them personally?
• Can you give me names and telephone numbers of othersfamilies that have that have used your services?
PREPARING YOUR HOME
So you’ve chosen a broker but now you have to get your home ingear. No matter how much or little it costs, its important to do some“spring cleaning” to your home before you put it on the market.Paying even a little attention to the details can make a hugedifference in the appearance of your home and attract moreinterest from prospective buyers. Some ideas include:
• Clean the exterior.Keep the grass cut and the outdoor area tidy. Paint or wash theexterior of the home including windows, shutters, siding and doors.Examine the gutters, chimney and driveway; get them into goodcondition. Seal any cracks in foundation or walkways.
• Touch up the interior.Clean and brighten rooms that have heavy traffic with a fresh coatof paint. Wash wallpaper, tiles, paneling, floors, carpets, tubs andshowers. Clean heat and air-conditioning air filters.
• Get rid of odors.Place potpourri around the house, especially if you have pets or asmoker in the family.
• Repair leaking or worn faucets and
oil squeaky doors.Also, clean underneath sinks, fixing any leaks and painting anyareas with visible damage.
• Eliminate clutter.Remove any unnecessary garbage from your closets, garage, atticand basement. Store garbage, debris, lawn mowers and hoses outof sight.
• Prepare it for the arrival of guests.Put your best face forward. Store any items you don’t want visitorsto see or have access to, like jewelry or other valuables. Get rid ofexcess furniture. Flowers and new guest towels also make a subtleyet important difference. Good luck!
Dolgeville Branch10 E. State St., Dolgeville NY 13329 • (315) 429-9750
St. Johnsville Branch54 East Main Street, St. Johnsville NY 13452 • (518) 568-2776
2 Locations To Serve You
John Case - Salesperson518-281-8008
GLOVERSVILLEWalnut Street
Priced to Sell At$109,500
Newly renovated,Owner willing to put downflooring of buyers choice!Everything is brand new
from top to bottom! Off street parking. Single
family home or starter home!
Call Debbie 518-495-5770 or Jim Van Duesen 518-332-6769
EPHRATAHCty. Rte. 119
Outstanding Chalet three storyhome. 125 acres with 2 garages.
Double fieldstone fireplace,security system / total privacy.
Good hunting.Call Debbie
at 518-495-5770
PALATINE BRIDGE127 Failing Hill Rd.
$279,0004 Family exceptional property,
4 living units, perfectlymaintained. Present operating
income very good. Ownerfinancing available for qualified
buyer. Only 5 minutes fromCanajoharie exit of the thruway.Call John Case 518-281-8008
SALISBURY2114
State Rt. 29$445,000
The Country Store& Apartment.
This gas station, convenience store, gift shop, ice cream parlor, restaurant and bar is a well-established neighborhood store with an active walk-in business, as well as a steady clientele.Only provider in area with non-ethanol gas and total fuel sales that vary from 16,000-20,000gallons per month. Newly built successful restaurant and bar. Property has a beautiful 2 bed-
room apartment for the prospective buyer to live on premises or have as an additional income.Great opportunity for a turn key investment. Price includes real estate and all fixtures.
SELLER FINANCING TO QUALIFIED BUYER. Call Heidi Mouyos 315-717-7269
GLOVERSVILLE482 West Fulton St. Ext.
$159,000Well-kept split-level home. Has
apartment upstairs for additionalincome if desired. Could be opened upfor more bedroom space. 12x12 shed,with above-ground pool, great tree fort
playground, and lots of room withfenced-in backyard. Good quiet
neighborhood, but yet minutes fromcity for stores, doctors and in small
Hamlet of Meco.
FORT PLAIN68 Hancock St
$120,000An excellent investment property!This property is currently leased
to an Auto Parts Dealer and areligious organization, with a posi-tive cash flow. Excellent location,plenty of vehicle traffic, plenty of
parking and good tenants.
Call Bob Snell for yourappointment @ 518-321-9897
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RREE AA LL EESS TTAATT EE GGUU II DD EE
SERVING HOMES IN THE FOLLOWING COUNTIES:� Albany � Fulton � Herkimer
For More Information Call John Snyder 518-673-0129
The Original Family
Reach Over 110,200 Homes Distributed In:
February 23, 2013 IssueDeadline Friday, February 15, 2013
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Your
Hometown
Supplement to the Original Valley Pennysaver, the Family Pennysaver and the DollarSaverProduced by Lee Publications • 6113 St. Hwy. 5 • Palatine Bridge, NY 13428 • 518-673-3237 • 800-218-5586 • www.leepub.com
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‘11 HYUNDAI ACCENT GLSMany to choose from
starting at $10,995 ‘09 PONTIAC G3 ‘09 FORD F150 LARIAT FX-4 ‘09 CHEVY SILVERADO 1500 ‘08 HONDA CR-V EX ‘08 CHEVY SILVERADO
‘08 HUMMER H3‘08 DODGE RAM 1500 ‘08 GMC SIERRA 1500 ‘08 FORD ESCAPE LIMITED ‘08 HYUNDAI SONATA GLS ‘07 HYUNDAI SANTA FE
‘07 SATURN AURA XE‘07 FORD F150 ‘07 CHEVY MALIBU LT ‘06 HUMMER H3 ‘06 KIA SORENTO ‘06 JEEP WRANGLER
‘06 TOYOTA CAMRY‘06 PONTIAC TORRENT ‘06 HUMMER H3 ‘05 NISSAN FRONTIER ‘05 HONDA ACCORD EX ‘04 GMC ENVOY XL
‘04 SCION XB‘04 NISSAN TITAN ‘03 FORD EXCURSION LI ‘01 DODGE RAM 2500 QUAD ‘03 NISSAN 350Z ‘04 CHEVY TRAILBLAZER
www.primeautosales.net Oil Change withBrake Service
1853 State St., Schenectady, NY 12304518-377-0046
1853 State St., Schenectady, NY 12304518-377-0046
Guaranteed Credit ApprovalWe Finance EVERYONE!
2003 GMC SIERRA
$$302302 /Mo. $75/Wk
93KGrey
2001 DODGE RAM 1500 4X4
$$221133 /Mo. $53/Wk
104,423 MilesBlack
2001 FORDRANGER EXT 4X4
$$238238 /Mo. $60/Wk
90,155 MilesRed
2003 CHEVYSILVERADO 1500 EXT 4X4
$$292944 /Mo. $74/Wk
143,434 MilesBlue
2002 CHEVY SILVERADO 1500
$$239239 /Mo. $60/Wk
93,167 MilesRed
2002 GMC SIERRA 15004X4 8FT BED
$$266266 /Mo. $67/Wk
86,645 MilesBlue
2013 DODGE AVENGER
$$500500 /Mo. $133/Wk
3,424 MilesGrey
2010 CHEVY CAMARO
$$580580 /Mo. $145/Wk
Grey
2006 FORD FOCUS
$$260260 /Mo. $65/Wk
77,261 MilesRed
2004 CHRYSLER PACIFICA
$$22 4040 /Mo. $60/Wk
86,617 MilesRed
2011 VOLKSWAGEN JETTA
$$430430 /Mo. $107/Wk
25,994 MilesGrey
2007 CHRYSLER TOWN & COUNTRY
$$358358 /Mo. $90/Wk
74,408 MilesBrown
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(BPT) — As we age, and watch our loved ones growolder, it’s important to think about — and plan for —a time when we may no longer be able to drive. Buthow do we decide when it’s time to transition fromdriver to passenger?
In our busy suburban communities driving is essen-tial to an independent lifestyle, and the decision tostop driving is a sensitive, personal one. In addition tocreating practical challenges, giving up driving maystir feelings of anger, frustration, isolation and depres-sion, so it is not to be taken lightly.
With the significance of driving in mind, familymembers can help older drivers make the transitionfrom driver to passenger. But how do you initiate thedifficult conversation? The experts at AARP DriverSafety and The Hartford offer some advice.
First, help older drivers stay safe behind the wheel foras long as possible. Adult children can help aging par-ents regularly maintain their vehicles. And if it’s timefor a new car, adult children can help identify choiceswith new technologies that can enhance safe driving,like reverse monitoring systems. Older drivers canbrush up on their driving skills with AARP Driver Safe-ty’s course, which is specifically designed to help people50 and older refresh their driving skills. To find a class-room course near you, call 888-227-7669, or visitwww.aarp.org/findacourse; or sign up for an onlinecourse. Courses are available in English or Spanish.
Second, family members should observe an olderloved one’s driving by taking a ride as passenger andkeeping an eye out for warning signs. It’s important tolook for changes in driving abilities. These signs include:
• Frequent “close calls” or near-crashes• Unexplained dents or scrapes on vehicles, fences,
mailboxes, garage doors, etc.• Getting lost, even in familiar locations• Difficulty seeing or following traffic signals, road
signs and pavement markings• Slower responses to unexpected situations, trou-
ble moving the driving foot from the gas to the brake,and confusing the two pedals
• Misjudging gaps in traffic at intersections or onhighway entrance and exit ramps
• Experiencing road rage or inspiring it in other drivers• Easily becoming distracted while driving• Difficulty turning around to check the rear view
while backing up or changing lanes• Receiving multiple tickets or warnings from law
enforcement officers.Third, if you notice a pattern of warning signs and
an increase in frequency, then it’s time to initiate aconversation. It’s important to choose the right time,place and messenger.
“It’s important that the right person initiate the con-versation,” says Jodi Olshevski, a gerontologist andassistant vice president at The Hartford. “Research in-dicates that 50 percent of married drivers prefer tohear about driving concerns from their spouses first,then doctors and finally adult children. Whoever initi-ates the conversation should have a strong rapportwith the older driver.
“Whoever it is should be empathetic, armed withfacts about her driving and able to offer ideas for al-ternative transportation if needed,” Olshevski advises.
Avoid bringing up the topic of driving during family gath-erings. Instead, look for a quiet, private time when all par-ties involved will have privacy and minimal distractions.
If it’s time to initiate a conversation with a parent orspouse about driving, AARP Driver Safety’s “We Needto Talk” seminar can help. Developed based on infor-mation created jointly by The Hartford and MIT Age-Lab, the free, online seminar helps caregivers andthose with an older loved one initiate productive andcaring conversations about driving safety. To take thefree seminar, visit www.aarp.org/weneedtotalk, and todownload or order a free guidebook, visit www.the-hartford.com/lifetime.
While many older Americans are staying safe on theroads and driving longer than ever before, for some,health-related changes in vision, hearing, flexibility orcognitive function can make them less safe behind thewheel. With planning, preparation and sensitivity,families can help make the transition from being adriver to being a passenger a bit easier for older driv-ers and those who love them.
Advice for families coping with anolder driver’s changing abilities
It’s a common misconception thatonly car dealers can perform the rou-tine maintenance and repairs on anewer vehicle that is under warran-ty. In fact, it is law that consumerscan patronize their neighborhood re-pair shop or do the work themselveswithout violating the manufacturer’swarranty, says the Car Care Council.
Consumers are protected by theMagnuson-Moss Warranty Act, en-forced by the Federal Trade Commis-sion (FTC), which prohibits a manu-facturer from voiding the vehiclewarranty because service was doneby a non-dealer. According to theFTC, “It’s illegal for a dealer to deny
your warranty coverage simply be-cause you had routine maintenanceor repairs performed by someoneelse. Routine maintenance often in-cludes oil changes, tire rotations,belt replacement, fluid checks andflushes, new brake pads and inspec-tions.”
“Many motorists wonder if theywill void their factory warranty ifsomeone other than the dealer serv-ices their vehicle,” said Rich White,executive director, Car Care Council.“The truth is that consumers canhave routine repairs performed bytheir local independent repair shopor do the work themselves without
affecting the warranty. It is also im-portant to note that using aftermar-ket parts does not void the warran-ty.”
When using a non-dealer, inde-pendent aftermarket shop to main-tain your vehicle, the council strong-ly recommends keeping records andreceipts for all maintenance that isdone to the vehicle and adhering toscheduled maintenance require-ments. If a warranty claim arises,these records will provide proof thatmaintenance has been done in ac-cordance with the manufacturers’recommendations and requirements.
Auto repair:wondering about your warranty?
FOR SALE: 2000 LS SuzukiSavage, 11,000 miles,leather saddle bags, colorgreen, excellent condition.518-573-7468, 518-573-2969. Or trade for 4 wheeleror snowmobile.
FOR SALE: 2001 Ford F150XLT Super Cab- 4WD, 8 Cyl.4 Speed Automatic, Air, Al-loy Wheels, Tilt, Short Bed,119,000 miles. $5,900 Stopin or call Salisbury MotorCar, 2729 St. Rt. 29, Salis-bury Center, NY 13454(315)429-9902
2002 FORD Ranger 3.0L6cyl. auto, 4x4, 107,000,$2,800. Serious inquiriesonly. 518-322-8219
SHARP Vehicle for sale:2007 Ford F350 XLT, 4WD,Super Cab, Diesel, 8 Cyl.Air, Tilt, 115,000 miles. Ask-ing $21,900 Check it out atSalisbury Motor Car, 2729St. Rt. 29, Salisbury Center,NY 13454 (315)429-9902
ATV TRAILERS byBosski Industries first auto-matic “Dump Assist” trailersGVWR 800lbs.+ 1600lbs.models available. Comecheck them out at NorthCreek Auto 315-866-3698
MAGNETIC SIGNS fortrucks and cars. Call Beth atLee Publications 518-673-0101 [email protected] Shipping
2009 HONDA Civic LX, ma-roon, 29k, 4cyl., auto, 4-door, AC, CD, full power.Great on Gas!! SALE:$15,995. John C. Miller,Inc. 518-762-71242007 JEEP Liberty Lmtd4x4, red, 50k, V-6, auto,leather, moonroof. SALE:$15,995. John C. Miller,I n c . 5 1 8 - 7 6 2 - 7 1 2 4www.johncmiller.com
2010 MERCURY Milan Pre-mier, blue, 23k, 4cyl., auto,leather, full power. Great ongas!! SALE: $17,995.John C. Miller, Inc. 518-7 6 2 - 7 1 2 4www.johncmiller.com2006 CHRYSLER SebringTouring, silver, 72k, V-6,auto, AC, CD, full power.SALE: $8,995. John C.Miller, Inc. 518-762-7124SAVE 10% OFF ANY repairservice now till the end ofFebruary. Ike’s Garage, 58East Main St., St. Johnsville,NY. 518-568-5055.
2005 CHEVY Cobalt LS,blue, 68k, 4cyl., auto, AC,CD, Great on Gas!! SALE:$8,495. John C. Miller, Inc.5 1 8 - 7 6 2 - 7 1 2 4www.johncmiller.com2009 CHRYSLER PT Cruis-er, black, 46k, 4cyl., auto, fullpower. SALE: $9,495. JohnC. Miller Inc. 518-762-7124www.johncmiller.com
2007 HARLEY DAVIDSON1200 XL Custom Vance &Hines Pipes, Vance & HinesFuel Pak, Stage 1 EFI Kit,Black, 8,500 Miles, $7,500.Exce l len t Condi t ion!518-378-3279
2002 LINCOLN CONTI-NENTAL, white, V8, leather,sunroof, mint condition, 47K,$7,500 OBO. David 315-508-5086
1967 GTO, new radiator,good tires, runs, westcoast car, $3,500.00. Call253-208-0288.
Need a new car? Get 0% fi-nancing at Sampson MotorCar where everyone is ap-proved! 261 East MainStreet Amsterdam. 518-848-7359
FOR SALE: 2006 Ford Tau-rus SE- 4 Speed Automatic,6 Cyl. Keyless Entry, Tilt, Air,Cruise, Power Mirrors &Locks, 82,000 miles. Nice,clean vehicle asking $6,900.Stop in or call Salisbury Mo-tor Car, 2729 St. Rt. 29, Sal-isbury Center, NY 13454(315)429-9902
2006 SUBARU Baha Sport,silver, 52k, 4cyl., auto,moonroof, leather trim, fullpower, all wheel drive.SALE: $17,995. John C.Miller, Inc. 518-762-7124
2002 FORD Ranger 3.0L6cyl. auto, 4x4, 107,000,$2,800. Serious inquiriesonly. 518-322-8219
LOOKING FOR AN HONESTmechanic? Low rates? Qualityservice? Ike’s Garage is theplace to go! 58 East Main St.,St. Johnsville, NY. 518-568-5055.
USED TIRE SALE: Huge In-ventory, mounting & balanc-ing FREE. No appointmentnecessary! Save money callAuto World, 534 North PerryStreet, Johnstown 12095518-762-7555
2005 FORD Focus 2x4, tan,71K, 4 cyl., auto, full power.Great on gas!! SALE:$7,995. John C. Miller, Inc.5 1 8 - 7 6 2 - 7 1 2 4www.johncmiller.com
2003 CHRYSLER SebringLX 4 door, gold, 4cyl., auto,A/C, PW, PL, PS, 127kmiles, runs good, needstires, $2,000 or best offer.518-568-7309
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HURRY!
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Service Specials315-866-4141 Clean, Professional Auto Care
licarimotorcar.com
LIFETIMEBRAKE PADS
$5995
Front or RearMust present coupon at time of service.
Certain restrictions may apply.Offer expires 2/8/13
OIL CHANGE
$2495Includes: Tire Rotation, VisualBrake Check, Check All Fluids
and Check Air FilterMust present coupon at time of service.
Certain restrictions may apply.Offer expires 2/8/13
WIPERS
Must present coupon at time of service. Certain restrictions may apply.
Offer expires 2/8/13
RADIATOR
$10995Must present coupon at time of service.
Certain restrictions may apply.Offer expires 2/8/13
TIRESFree Mount& Balancewith Purchase of
a set of TiresMust present coupon at time of service.
Certain restrictions may apply.Offer expires 2/8/13
FREE
Must present coupon at time of service. Certain restrictions may apply.
Offer expires 2/8/13
WinterizationCheck UpWinterizationCheck Up
Drain & Fill
315-866-4141315-866-4141Everyone Approved
Visit Us On The Web Site To View All Inventorylicarimotorcar.com
State Rte. 28 North, Herkimer, NY - Just behind Hannaford Supermarkets
