New Construction Homes for Sale in Burnt Hills NY.  Stewart Construction-Custom Home Builder in Burnt Hills NY.  Energy Department Expands Energy Star Testing March, 2010 The U.S. Environmental Protection Agency and the U.S. Department of Energy want consumers to be confident that appliances carrying the Energy Star label really are efficient, so they've expanded efficiency testing of the most commonly used appliances and later plan to start testing all Energy Star appliances. The Energy Star program helps consumers identify highly energy-efficient products, while DOE's minimum appliance efficiency standards set baseline energy efficiency levels for appliances. DOE began tests this week on six of the most common product types: freezers, refrigerator-freezers, clothes washers, dishwasher... 03/29/2010

Clifton Park NY Homes for Sale Located in Glenville, this beautiful 3 bed 2 full bath colonial is priced below market value for a quick sale at $179,000.  It features an office, den, living room, and finished basement family room.  The kitchen has updated maple cabinets and both bathrooms have been updated.  Came see the spotless hardwood floors and enjoy the screened in porch and large deck all summer long. MLS#201015337 Lewis Beynon Prime Property Solutions, LLC (518) 281-3951    LewisB@nycap.rr.com FREE Home Search at: www.LewisB.com 03/29/2010

Homes for Sale in Clifton Park NY.  Josh Gonzalez, a Local Real Estate Agent with Coldwell Banker Prime Properties in Clifton Park NY.  Things you should know about Debt Collectors CONTINUED... 5 of 5   Homes for Sale in Clifton Park NY.  Josh Gonzalez, a Local Real Estate Agent with Coldwell Banker Prime Properties in Clifton Park NY.  Things you should know about Debt Collectors CONTINUED... 5 of 5 17. As a small business owner, am I protected by the FDCPA?Probably not for business debts. The practices prohibited by the FDCPA apply to personal, family and household debts, including medical care and the purchase of an automobile. Homes for Sale in Clifton Park NY.  Josh Gonzalez, a Local Real Estate Agent with Coldwell Banker Prime Properties in Clifton Park NY.  Things you should know... 03/28/2010

Homes for Sale in Clifton Park NY.  Josh Gonzalez, a Local Real Estate Agent with Coldwell Banker Prime Properties in Clifton Park NY.  Things you should know about Debt Collectors CONTINUED... 4 of 5   Homes for Sale in Clifton Park NY.  Josh Gonzalez, a Local Real Estate Agent with Coldwell Banker Prime Properties in Clifton Park NY.  Things you should know about Debt Collectors CONTINUED... 4 of 5 13. I had huge medical bills last year and got behind. Can medical bills be sent to a private debt collector?Yes. HIPAA, the federal medical privacy regulation adopted by the U.S. Department of Health and Human Services, allows certain information to be shared with a collection agency or credit bureau. The following statement about medical information and collection agencies is from PRC Fac... 03/28/2010

Homes for Sale in Clifton Park NY.  Josh Gonzalez, a Local Real Estate Agent with Coldwell Banker Prime Properties in Clifton Park NY.  Things you should know about Debt Collectors CONTINUED... 2 of 5 Homes for Sale in Clifton Park NY.  Josh Gonzalez, a Local Real Estate Agent with Coldwell Banker Prime Properties in Clifton Park NY.  Things you should know about Debt Collectors CONTINUED... 2 of 5 5. How long does a delinquent debt remain on my credit report? Delinquent debts remain on credit reports for seven7 years. Chapter 7 bankruptcies remain on credit reports for 10 years.   Homes for Sale in Clifton Park NY.  Josh Gonzalez, a Local Real Estate Agent with Coldwell Banker Prime Properties in Clifton Park NY.  Things you should know about Debt Collectors CONTINUED... 2 of 5 6. If I... 03/28/2010

Homes for Sale in Clifton Park NY.  Josh Gonzalez, a Local Real Estate Agent with Coldwell Banker Prime Properties in Clifton Park NY.  Things you should know about Debt Collectors. 1 of 5 Homes for Sale in Clifton Park NY.  Josh Gonzalez, a Local Real Estate Agent with Coldwell Banker Prime Properties in Clifton Park NY.  Things you should know about Debt Collectors.  1 of 5  1. Do debt collectors have to follow any law?Yes. The federal Fair Debt Collection Practices Act (FDCPA), 15 USC §1692-1692o, says collectors cannot use abusive and deceptive practices. (For more on prohibited practices identified by the FDCPA, see Question 10.)In addition to the federal law, many states have adopted laws that provide more protection against abusive collection practices. For example, the federal F... 03/28/2010

Homes for Sale in Clifton Park NY.  Josh Gonzalez, a Local Real Estate Agent.  Improve Your Insurance Score. Paying all of your bills on time is one good way to improve your insurance score-and, in turn, lower your homeowners insurance premiums. The most effective way to raise your insurance score is to improve your credit score. Image: Jupiter Images/Getty Images  Homes for Sale in Clifton Park NY.  Josh Gonzalez, a Local Real Estate Agent.  Improve Your Insurance Score. Most people expect the cost of homeowners insurance to go up after a claim is filed. But it may surprise you to know that how good you are at managing your finances can have just as big an effect on your premium as the tree that fell on your house. Insurers look to your credit history to calculate an insurance score th... 03/27/2010

Homes for Sale In Clifton Park, Josh Gonzalez a Local Real Estate Agent.  Avoid Home Equity Loan and Refinancing Scams. Home equity loan and refinancing scams can cost you more than money-these scams can cost you your house. Scammers will often try to charge you for services they'll never actually perform. They may even use your personal information to commit identity theft. Image: Plattform/Getty Images Refinancing a mortgage to a lower interest rate can make sense for some homeowners. So too can taking out a home equity loan against the value you've built up, perhaps to finance a kitchen remodel or pay Junior's college tuition. What doesn't make sense is losing your home because you fall for home equity loan and refinancing scams such as loan flipping and equity stripping. Although sc... 03/26/2010

Homes for Sale in Clifton Park NY.  Josh Gonzalez a local Real Estate Agent.  Mortgage Interest Deduction Vital to Housing Market The home mortgage interest deduction saves the average homeowner thousands of dollars at tax time, supports home values at the community level, and helps American homebuyers get into their first house. Supporting the mortgage interest deduction means helping families afford homes. Image: Image Source/Getty Images   Current homeowners support the mortgage interest deduction not just because it saves them money-over time, about three-quarters of American taxpayers will benefit from the mortgage interest deduction-but also because they know it's integral to the housing market.   Homes for Sale in Clifton Park NY.  Josh Gonzalez a local Real Estate Agent.  Mortga... 03/25/2010

Clifton Park Homes for Sale, Josh Gonzalez a Local Real Estate Agent.  Start a Neighborhood Watch Organizing a neighborhood watch can bring you closer to your neighbors, improve community safety, and potentially boost home values. Many police and neighborhood watch veterans believe that active watch groups can make a neighborhood more desirable, which could raise property values. Image: Eric Audras/Getty Images Clifton Park Homes for Sale, Josh Gonzalez a Local Real Estate Agent.  Start a Neighborhood Watch When your neighbors tell you a bike was stolen from their garage or an elderly woman had her purse snatched, you just shake your head. After all, crime can happen anywhere. But you can help reduce those incidents and better get to know your neighbors by organizing a neighborhood watc... 03/24/2010

Clifton Park Homes for Sale, Josh Gonzalez a Local Real Estate Agent.  Fight Foreclosures in Your Community. Even if you're current on your mortgage, nearby foreclosures can affect your community through lower property values, higher crime rates, and lost services. Foreclosed houses are often targeted by vandals, squatters, and thieves--which could drive out a neighborhood's residents and cause property values to plummet. Image: HUD Clifton Park Homes for Sale, Josh Gonzalez a Local Real Estate Agent.  Fight Foreclosures in Your Community. If you think your neighbor's foreclosure doesn't impact you, think again. According to a Center for Responsible Lending report, foreclosures lower the property values of nearby homes by $7,200, on average.Foreclosures can affect your community in othe... 03/24/2010

Clifton Park NY Homes for Sale: Lake Front Homes Lake George, nicknamed the Queen of American Lakes, is a long narrow lake draining northwards into Lake Champlain.  The lake is situated along the historical natural path between Albany, NY and Montreal. The lake extends about 32.2 miles on a north-south axis, is quite deep, and varies from 1 to 3 miles in width. Although the year-round population of the Lake George region is relatively small, the summertime population can swell to over 50,000 residents, especially in the Lake George village region on the south end of the lake. If you have any questions regarding Clifton Park or Lake George NY Homes for Sale, please feel free to call me anytime (518) 281-3951 Lewis Beynon Prime Property Solutions, LLC FREE Home Search at: www.LewisB.com  ... 03/23/2010

Clifton Park NY Homes for Sale: Market Update There are currently 187 existing homes on the market in Clifton Park NY.  Clifton Park is located in southern Saratoga County approximately halfway between downtown Albany and historic Saratoga Springs. Average lis price is $346,172 Average square foot is 2,312 Average days on market is 94 Average sale price is 94.8% of list price Address List BR BA Style AbvSF DOM   93  LONGKILL RD $319,900  4 2.1 RNC 2914 14   11  LIGHTHOUSE DR $319,900  3 2.1 CNT 1997 5   50  ORCHARDVIEW DR $324,800  3 2.1 COL 2100 77   216  EASTLINE RD $324,900  3 2.1 RNC 2110 12   63  DEER RUN HOLLOW $327,900  4 2.1 COL 2145 109   44  VIA DA VINCI $329,500  4 2.1 COL 2500 0   19  STERLING HEIGHTS DR $335,000  3 2.1 RNC 1886 58   78  GLOUCESTER ST $339,900  4 3.1 COL 214... 03/23/2010

Clifton Park NY Homes for Sale:  Market Update The February housing statistics were just release by GCAR (Greater Capital Association of Realtors) for Clifton Park NY and the surrounding communities.  Listed below is a summary of this report:                                    2009        2010      +/-            New Listings            115            180      +65 Closed Sales              47              55      +8 Avg Sale Price  $260,000  $285,000  +$25,000 % of List              94.1%       94.8%    +0.7% As you can see, things are starting to look up in Clifton Park NY!!!! Lewis Beynon Prime Property Solutions, LLC Phone (518) 281-3951 FREE Home Search at: www.LewisB.com 03/23/2010

Clifton Park Homes for Sale, Josh Gonzalez a Real Estate Agent with Coldwell Banker.  Create an Evacuation and Communication Plan. Having an evacuation and communication plan, and making sure everyone knows where to go in case of an emergency, can be the key to protecting your home and family.          Learn how to use a collapsible escape ladder, which could help keep your family safe in the event of a fire. Additional home improvement videos can be found at DannyLipford.com. Clifton Park Homes for Sale, Josh Gonzalez a Real Estate Agent with Coldwell Banker.  Create an Evacuation and Communication Plan.  Let's face it-contemplating catastrophe can be stressful. Some people even feel like they're courting a d... 03/23/2010

Mail Center USA, located in Clifton Park NY, is a locally owned an operated business that provides excellent customer service.  They offer a wide variety of shipping choices along with plenty of supplies and greeting cards to include with your package or letter. Stop in today and support this local business.  You'll be glad you did!!! Mail Center USA, 641 Grooms Rd, Clifton Park, NY 12065   Mail Center USA is a FedEx Authorized ShipCenter, an Approved Shipper for The US Postal Service and a shipper of UPS packages. This gives us a variety of shipping and mailing options, so we can provide you with the service that best fits your needs—both for budget and speed.   Our fully integrated shipping system lets you see exactly when each carrier delivers, and what each service costs—no need to... 03/23/2010

Clifton Park Homes for Sale, Local Real Estate Agent.  States Offer Cash Rebates for Clunker Appliances. Buying a new Energy Star appliance can lower your utility bills and perhaps even earn a cash rebate from your state. If you replace an old washing machine with a new Energy Star model, you could save as much as $135 per year--plus a rebate from the government. Image: Corbis Photography/Veer There's another reason besides saving on utility bills to replace your clunker appliances with energy-efficient models: a cash rebate. States, using up to $300 million in federal funds, are offering rebates on Energy Star-qualified washers, refrigerators, air conditioners, furnaces, and more. A handful of state programs got underway in December 2009; the rest are expected to debut in early 2010.  ... 03/22/2010

Clifton Park Homes for Sale, Local Real Estate Agent.  Low-Maintenance Lawn Alternatives: Turf Grasses If you want a yard that demands less time, money, and water, consider low-maintenance grasses in lieu of the traditional lawn. The "No Mow Lawn Mix" is great for yards in the upper Midwest, Northeast, and Pacific Northwest. Image: Prairie Nursery We love our lawns. Turf grass covers nearly 47 million acres in the U.S., according to the Lawn Institute. But that's not very green. The average household dumps 60 gallons of water per day on conventional lawns. Toxic lawn herbicides and pesticides run off into lakes and streams. Gas-powered mowers spew pollution. And then there's the watering, weeding, seeding, sodding, thatching, and mulching commitment. If you're looking for an alternative... 03/21/2010

Homes for Sale in Clifton Park, Local Real Estate Agent.  Your Guide to Outdoor Maintenance - Northeast If you live in the Northeast, prevent problems and preserve the value of your property with proactive outdoor maintenance. You can protect your driveway with a coal-tar-based sealant for about $100 if you do the job yourself, or about $300 if you hire someone. Image: Universal Seal   Maintaining a house in the northeastern quadrant of the country, from New England through the mid-Atlantic, means protecting it from a triple whammy: hot summers, frigid winters, and lots of precipitation throughout the year. You'll need to stay on top of routine outdoor maintenance to protect your home and landscape, keep everything looking great, and ensure your property retains its value for decades to... 03/18/2010

If you or someone you know needs help and you are not sure where to turn, just dial 211 or visit www.211.org Every hour of every day, hundreds of people need essential human services - they are looking for training, employment, food pantries, help for an aging parent, addiction prevention programs for their teenage children, affordable housing options, support groups and ways of becoming part of their community. 2-1-1 allows people to give help and to get help. What is 2-1-1? 2-1-1 is an easy to remember telephone number that connects callers to information about critical health and human services available in their community. 2-1-1 reaches approximately 234 million people (81% of the total U.S. population) in 46 states, the District of Columbia and Puerto Rico. Yet, millions of America... 03/18/2010