Lease


Lease - Rackcdn.comhttps://939c9b01811224bb3dcf-d6f090436a6f3838a347f2f22505b78d.ssl.cf5.rackcdn...

5 downloads 201 Views 7MB Size

TERRYVILLE CHEVROLET GENERAL MANAGER Jim Frageau Says: SHOP 24 HOURS 7 DAYS A WEEK AT www.terryvillechevy.com

TERRYVILLE CHEVROLET

SeriouS Accident cASeS

*Atty. Joseph Morelli admitted to practice in CT only. Atty. Salomone admitted to practice in MA only. No result guaranteed each case based on its merits. Affiliated offices throughout Massachusetts.

1-800-WINWIN1

www.salomoneandmorelli.com salomoneandmorelli

Rt. 6, 302 Main St., Terryville, CT 1-800-270-3795 SERVICE OPEN: SATURDAY 8-1 SALES OPEN: SUNDAY 11-3 Robert Vaughn - paid spokesman.

WE'RE YOUR CHEVROLET COMMERCIAL TRUCK DEALER

TO ADVERTISE CONTACT US Wednesday, May 24, 2017

Volume 52, issue 40

SERVING NORTHWEST CONNECTICUT SINCE 1964

»

foothillstrader.com

Looking to buy or looking to sell? Call us at 860-489-3121

2

|

T

NEWS |

THE FOOTHILLS TRADER

WEDNESDAY, MAY 24, 2017

AUTOMOTIVE

The lowdown on leasing a new car CONTACT US

Mail: The Foothills Trader, 59 Field Street, Torrington, CT. 06790 Website: www.foothillstrader.com Phone: 860-489-3121 To Advertise: 860-806-8783 Digital Sales Manager: Donna Naparstek, [email protected] Email: [email protected] For Delivery Issues: 1-866-351-1869 BRANDPOINT

If you’re in the market for a new car, you might be thinking about leasing.

HOMEOWNER DELIVERY SPECIALS

BARK MULCH Dark Double Ground

(Other Amounts, Colors, & Spreading Available)

12 Yds.

SCREENED TOPSOIL Easy to Spread

STONE & GRAVEL

All Sizes

8 Yds.

$325 $300 $250

$240 6 Yds. $240 6 Yds.

STONE DUST SCREENED COMPOST

$300

Aged Cow Manure Blend 7 Yds. *Prices Include Tax + Delivery* All Deliveries C.O.D. 7 DAYS A WEEK

LANGER FARMS, LLC A division of Kare Construction INC

Licensed & Insured Since 1966

(860) 379-4340

Brandpoint

CASH UP FRONT IS REQUIRED.

If you’re in the market for a new car, you might be thinking about leasing. After all, it seems very attractive on the surface - so attractive that leases accounted for one-third of all vehicles sales nationally in 2016. Taking a closer look though, you may be surprised to see there’s more than meets the eye in some lease offers. So, here are a few need-to-know nuggets about leasing a car.

If you’re thinking that leasing gets you out of needing cash for a down payment, think again. That low monthly payment you’re after comes with upfront costs like taxes, registration, tags and other fees all due at signing. This could cost you thousands of dollars. And, if you want to lower the monthly payment even further, you’ll have to put additional funds toward the cost of the lease LEASE » PAGE 3

EXCAVATING • TRUCKING • Septic Systems Installed & Repaired • Gravel Driveways Installed & Repaired • Drainage & Grading • Foundations & Cellar Holes • Old Swimming pools removed and backfilled • Land Clearing and Stump Removal • Lawn Installation • Utility Trenching • Ponds Dug & Maintained • New home sitework packages

KARE CONSTRUCTION Licensed & Insured Since 1966

(860) 379-4340

WEDNESDAY, MAY 24, 2017

THE FOOTHILLS TRADER

down payment or the upfront costs for your next lease - whereas with buying a car you’ll have a definitive FROM PAGE 2 end to monthly payments. to get your payment where Once your loan is paid off, you want it to be. you can put that money toward savings or paying BELLS AND WHISTLES down debt. Or, you can use COST EXTRA. your car as a trade-in on anJust like when you’re other ride or for cash if you buying a new car, the ex- ever need to sell it. tras cost more. Advertised ONCE YOU’RE IN IT, STAY lease specials are usually LEASE » PAGE 6 for the base model - not the one with the navigation and safety packages you’re probably coveting. Adding on all the bells and whistles to your vehicle will mean higher payments because that raises the price of the car. Again, you may have to put an additional deposit down to land the payment you think you can afford.

Lease

NOT OWNING MEANS NO ASSET.

| NEWS

T

|3

NO JOB TOO SMALL

HIC STATE OF CT #0621710

OLD-FASHIONED QUALITY YOU CAN LIVE WITH

Specializing in

KITCHENS • BATHROOMS • RESTORATIONS • ADDITIONS • ATRIUMS • AWNINGS • BATHS • CABINETS • CUPOLAS • WINDOWS • SIDING • DECKS • DOORS • FLOORING

JOHN

(860) 738-1502

pAT

(860) 589-2267

www.jpcountrybuilders.com

Leasing is basically renting a car for an extended period of time - three to five years or so. Unlike buying a car, you won’t have an asset at the end of your lease. Which means you’ll have a decision to make: pay the residual value (the value of the car at the lease’s end) to own the car outright, finance the residual or turn in your leased car for another. Regardless, you’ll again need the cash for a

Ticon Pools

• Inground Pool Construction • Full Service and Repair • Maintenance • Openings/CIosings • Fiber Optic Lighting • Salt Water Systems • Full Line of Chemicals and Products • Servicing CT

Ticonpools.com

(860) 496-9639 Tim Considine

IMPECCabLE WORk FOR IMPECCabLE TaSTES!

Over 30 yrs Exp

1.800.HOMECARE Now serving Southbury (1.800.466.3227)

License # PLM 0287165-SP1 • #SPB 0000055

Certified Nursing | Rehabilitation Hospice | Personal Care Live-in Care | Companionship Lifeline Emergency Response System

4

|

T

ADS |

THE FOOTHILLS TRADER

WEDNESDAY, MAY 24, 2017

Pat’s Pizzazz Just in time for furniture your tax return Ashley Furniture

Ashley Furniture

Sofa and loveseat Only

Sofa/chaise available in 7 colors

749

$

Wood Futons

430 & UP

LOWEST PRICES EVER! RESIN FURNITURE HAS ARRIVED!

underbed trundle and drawers sold separately

Twin size $150 Full Size $200 Queen Size $250 King Size $300

Outdoor resin sets Guaranteed lowest prices

Power Lift Recliners

65999

$

Starting at

Recliners

299

$

Now with 2 stores on Winsted Road, Torrington, CT • 860-496-0028

Starting at

$

333-Next to Dynasty Restaurant • 386-Next to Sherwin Williams Hours: Tues., Wed., Fri. 10-6:00 • Thurs. 10-8 • Sat. 10-5 • Sun. 12-4 CLOSED MONDAY

99

Full Sets $180 Twins Sets $180 3 sizes one price

Platform Beds

Dropleaf Dinette Set

Only

499

$

Queen Mattress Sets $180

$

With 8” futon mattress

99

199

Home of Jennifer’s Pet Portraits Custom hand painted portraits of your pets starting at $40 Just bring in a photo or email: [email protected] see more at: www.jcasaburi.com

www.patspizzazzfurniture.com ALL CREDIT CARDS ACCEPTED

WEDNESDAY, MAY 24, 2017

Rubbish Removal and Roll-off Containers

Residential & CommeRCial

THE FOOTHILLS TRADER

Watertown, CT Toll Free: 877-274-1444 Phone: 860-274-1444 www.copeswaste.com [email protected]

T

|5

don’t wait to Protect Your Pet

GREEN FIREWOOD FOR SALE

• 3+ Million Safer, Happier Pets • FREE On-Site Consultation • 1-Yr Money Back Guarantee • Customized Solutions for Every Yard & Home

TREE LENGTH FIREWOOD DELIVERED

brought to you by

Family Owned and Operated Since 1930

| ADS

Boundaries For Pets

800-732-3181

boundariesforpets.invisiblefence.com ©2017 Boundaries For Pets. Invisible Fence® and Boundary Plus® are registered trademarks of Invisible Fence, Inc. All rights reserved.

5 cord minimum,

110 pER cORD

$

Contact Mark 860-601-2454

ORTHOPEDIC URGENT CARE Walk-in — no appointment needed X-rays on site Expanded orthopedic facility No emergency room wait! Prompt Treatment of:

Fractures and Falls Sports Injuries Sprains and Strains Sudden Hip and Back Pain Aching Joints

AVON

31 Ensign Drive 860-751-6039 htfdorthosurg.com

6

|

T

NEWS |

Lease

THE FOOTHILLS TRADER

WEDNESDAY, MAY 24, 2017

nancial lifestyle changes often. In some cases, you might be required to continue to pay all regularly FROM PAGE 3 scheduled payments or IN IT. your credit could take a If you get half way hit. through your lease and UNDERSTAND COMPLEX decide it’s not for you, NEGOTIATIONS. you’ll be charged for early Understanding how a termination, something to keep in mind if your fi- car loan works can some-

times be difficult for a first-timer, and things get even more intricate when you lease. Here are a few terms you may hear during lease negotiations: CAPITALIZED COST >> Cost of the vehicle today. LEASE TERM >> L eng th of the lease, usually expressed in months. RESIDUAL VALUE >> Vehi-

cle’s expected value at the end of the lease. DEPRECIATION >> The difference between the capitalized cost and residual value. LEASE FACTOR, OR MONEY

FACTOR >> Cost of leasing, or interest - usually expressed as a very small number such as .003. Multiply this number by 2,400 to get your interest rate. In this example, that’s 7 percent. As a note, interest rates on leases tend to be higher than those on auto loans. If you want to ace your lease negotiation, you should study the vocab and have A+ credit, too. You may not get the best deal if you’re unsure about your credit score, leasing terminology or the calculations mentioned above.

MIND YOUR MILES.

Depending on how often you get behind the

wheel and how far you go, you could be forced to make some lifestyle changes if you lease. Most leases cap mileage somewhere between 10,000 and 15,000 miles per year, or a total of 30,000 to 45,000 miles. Driving over this limit could cost you up to 25 cents per mile. If you drive 30 miles round-trip for your commute, you’re traveling 150 miles over a five-day workweek. That’s nearly 8,000 miles just driving to work each year - 24,000 miles over the course of your lease. Depending on your limit, that doesn’t leave much wiggle room for things like road trips, traveling to spor ting events, chauffeuring the kids to extracurriculars or even grabbing a bite to eat downtown. Those things could be taken off the table if you lease. If the freedom of driving whenever,

wherever is something you enjoy, a lease may not be the best option. THE CHOICE IS YOURS.

Leasing might be for you if you want to drive a new car every three to five years, can drive within the limits and maintain good credit. On the other hand, today’s cars can easily last 10 years if maintained well, and once fully paid for, allow you to sock away monthly payments for other things. There are sites that offer side-by-side comparisons of buying and leasing to help you make the right choice. This calculator from Navy Federal Credit Union is just one example. In the end, it’s up to you. Armed with the details on the real deal of leasing and your buying options, you’re on the road to making the right choice.

F ine L ine M asonry LLC 2016 readers choice winner!

NEBULIZER

SPECIALIZING IN STAMPED CONCRETE, POOL DECKS, PATIOS AND SIDEWALKS • BLUESTONE • WALKWAYS • PAVERS • PATIOS • INTERLOCK BLOCKS • STAIRS • OUTDOOR GRILLS & • STONEWALKS FIREPLACES • ExCAVATION SERVICES

Carmine Disapio [email protected] 860-378-5877 HIC#:0640314 www.finelinemasonryct.com Fully Insured

WEDNESDAY, MAY 24, 2017

THE FOOTHILLS TRADER

| NEWS

T

|

7

PETS

Bred for purpose: History behind the show dog, and what makes your breed unique Brandpoint

needed from a dog, such as ognized. Part of this pro- sponsible for organizing sure that the dog’s lineage all of the requirements are strong physical ability and cess includes establishing the members, tracking fam- is recorded accurately, and met, the AKC can officially great work ethic. a Breed Club, which is re- ily trees (pedigrees) to en- holding breed events. Once DOGS » PAGE 8 In Europe, hunters needed dogs that could retrieve birds and have a thick enough coat to be comfortable in an outdoor environ18 HOLES & CART Weekday 18 $26 holes(after & cartnoon $23.00, ment. Thus, the English SetWeekdays $23) after Noon $20.00 (Includes Lunch) ter, for example, was born. Weekends 18 holes & cart $30.00, Weekends $30 (after noon $25) The Doberman Pincher after Noon $25.00 Exp.6/30/15 Exp. 10/31/17 came about thanks to an ac(860) 668-4973 countant in Germany who 1070 South Grand Street, West Suffield, CT needed a dog for protection. Exit 40 off Interstate 91, take Route 20 West, at 4th traffic light turn And sometimes, breeds right onto East Street. Airways is 2 mi. ahead on the right. were created to serve a difVisit our Web Site at www.airwaysgolf.com ferent need: strictly companionship. Pekingese were All prices are per person. Not valid for league or tournament play bred as lap dogs that, for a time, could only be owned by Chinese royalty. Eventually, a formal system was established to preserve the breeds for future generations. Today, a purebred dog that has had its family tree verified by the Serving The Northwest Community Since 1986 American Kennel Club (AKC) can become an AKC Daniel Kessler, MD Ned Howard, MD registered dog.

It’s easy enough for any dog lover to fall for the silky coat of the Golden Retriever, a Siberian Husky’s striking blue eyes or a Dalmatian’s spots. In fact, most dog owners say it was the look of a breed that drew them to bring home that puppy in the first place. “As beautiful as these dogs are, what’s often overlooked is essential information about their breed that goes much farther than ‘fur deep’,” says Jason Taylor, Royal Canin National Pro Sales Director and AKC National Championship Assistant Show Chairman. “If you take time to unlock the story of your dog, you’ll understand how your dog’s breed determines its energy levels, behaviors and even dietary needs,” Taylor says. “Armed with this information, you can become a much better owner to NEW BREEDS ARE STILL your four-legged compan- BEING RECOGNIZED IN THE UNITED STATES ion.” WHY DO BREEDS EXIST?

Originally, dogs were bred for a specific purpose or function. The most basic example is that farm dogs were bred based on qualities farmers liked and

Globally, there are more than 400 breeds in existence today. As interest in new breeds grows in the United States, the AKC created a process for breeds to become formally rec-

Summer Special

Kitchen & Bath

MOLD • WATER DAMAGE RESTORATION SERVICES Specializing in area rug cleaning pickup & delivery available.

• WATER DAMAGE • FLOOD RESTORATION • CARpET CLEANING • UpHOLSTERY CLEANING • AREA RUG RESTORATION

Fuat & Endri Masonry “COMpLETE DUCT & DRYER VENT CLEANING”

Cataract Surgery Laser Eye Surgery GLAUCOMA RETINA DIABETIC EYE CARE

ROUTINE EYE EXAMS CONTACT LENSES OPTICAL SHOP

NORTHWEST CONNECTICUT’S ONLY EYE SURGEONS OFFERING CATARACT SURGERY PERFORMED IN TORRINGTON

Call Toll Free 1-800-292-3532 New Construction & Repairs

Stucco, Brick, Stone, Concrete, Stamped Concrete, Pavers, Retaining Walls, Walls/Walkways/Patios, Fireplaces, Chimneys.

Quality is our #1 priority. Call: 203-565-8299

Free Estimates

Visit Our Showroom - for Floor Covering; Granite & Marble Fabrication Complete Kitchen & Bathroom Remodeling

2 E. LAKE ST. • WINSTED

860-379-1098

333 Kennedy Drive - Torrington

860-496-0799

www.litchfieldhillseye.com

|

T

NEWS |

THE FOOTHILLS TRADER

WEDNESDAY, MAY 24, 2017

Dogs FROM PAGE 7

Your locally owned one stop shop for sporting good equipment

959 Migeon Ave Torrington, CT 06790 860-618-3516 [email protected] Monday - Saturday 9:30am - 6:00pm Sunday - CLOSED WE PROVIDE SPORTING GOOD EQUIPMENT FOR VARIETY OF SPORTS BASKETBALL • BASEBALL FASTPITCH SOFTBALL • FOOTBALL • SOCCER WE DO SUBLIMINATION, HEAT TRANSFER AND EMBROIDERY FOR YOUR GARMENT NEEDS AS WELL AS TEAM UNIFORMS.

recognize the breed in the United States. In 2016, three new breeds were recognized by the American Kennel Club. The Sloughi, the American Hairless Terrier and the Pumi. The Sloughi is a hunting hound originating in North Africa, and is especially adept at speed and stamina over long distances. The American Hairless Terrier is only the fourth hairless breed to be recognized by the AKC, and its ancestors were developed to hunt vermin. The Pumi is a Hungarian herding dog with a long and treasured history of working side by side with farmers. Currently, there are more than 50 breeds in the process of achieving full AKC DOGS » PAGE 9

New eNglaNd MotorCyCle MuseuM

K a

Need Cash, Fast??

p l a N

C y C l e S

K

Sell your New, Used or Broken Motorcycle, today! Big or small, we buy them all!

$$ –

Wanted

a

CaSh – Top Dollar paiD – CaSh – $$

N

p l

MotorCyCles

a

Call Ken or rich at (860) 454-7024 or (860) 919-9784

y We BU ! S i aS

Motorcycles of All Years, Makes, Models & Conditions Dirt, Street, On & Off Road Models of All Sizes & Years

F

app ree & p raiSal iCKU S p!

C y

rUNNiNg or NoT! BaSKeT CaSeS WaNTeD!! From one bike to complete barn loads. Parts, accessories, memorabilia, signs, vintage equip., bike shop tools & motorcycle trailers! We have our own trucks and trailers so we come to you or for faster service, bring your bike down today for an on the spot appraisal. Picking up all of New England! Email: [email protected] 200 West Main St., Rockville/Vernon, CT • 860-916-9784 Message & Friend us on Facebook @ “The New England Motorcycle Museum”

New eNglaNd MotorCyCle MuseuM

C CIT1-5-17

8

l e S

WEDNESDAY, MAY 24, 2017

Dogs FROM PAGE 8

recognition. Over time, we’ll see more of these breeds at dog shows, in television commercials and even as family pets. DIETARY NEEDS

With these different traits and tendencies, it’s easy to see how different dog breeds will have different dietary needs. For example, a small active dog such as a Parson Russell Terrier, would benefit from a different nutritional profile than the more sedentary English Bulldog. Also, these foods are designed to fit the physical traits of different breeds. For example, with the Boxer’s jaw alignment and short muzzle, kibble that’s designed for easy pick-up makes dinnertime easier

THE FOOTHILLS TRADER

for this breed. If you’re interested in learning more about meeting the unique dietary needs of your canine companion, Royal Canin, a global pet food leader, has developed breed-specific diets designed to provide individual breeds with the most precise nutrition. Explore more at www.royalcanin.com.

T

|9

B & G Masonry Stone Walls • Bricks Pavers • Chimneys Stucco • Wall Blocks Replaces, RepaiRs & MoRe! Call Billy for FRee esTiMaTes

WHICH BREED IS RIGHT FOR YOU?

When choosing a dog that’s the right fit for your family, it’s important to look beyond its physique and appearance. Do some research and consider personality traits, trainability and energy levels. “It’s important for your dog to be just as happy in your home as you are,” says Gina DiNardo, Vice President of the American Kennel Club. “Finding the right dog for your family’s life-

| NEWS

c: (203) 725-8945 BRANDPOINT

It’s easy enough for any dog lover to fall for the silky coat of the Golden Retriever, a Siberian Husky’s striking blue eyes or a Dalmatian’s spots. style can ensure that you and your dog have a long, loving and healthy relationship.” A Border Collie is one of the smartest dogs around, but do you have the time and open space to provide the exercise and stimulation he needs? On the other

PLEASANT PLEASANT VALLEY VALLEY DRIVE-IN DRIVE-IN

CheCk our website for movie listings

hand, you’ll want a dog that can give you the right amount of companionship you’re looking for. Afghan Hounds prefer to decide whether they want you to give them affection, and that may not be a great fit for someone looking for an unconditional best friend.

C A L L F O R M O V I E L I S T I N G S running 8 6 0 - 3 7 9 -on 6102

digital projection

Gate & Concession open at 6:30p.m. • Movie starts at dark

Friday Night Night $20.00 $16.00 181 Pleasant Pleasant Valley, Valley, CTCT (Between (Between New New Hartford Hartford and and Winsted) Winsted) Friday Rt.Rt. 181 Car Load Night Car Load Cash Only www.pleasantvalleydriveinmovies.com 181 PlPleeasant asant ValVallleey,y, CT(Bet CT(BetwweenNewHart eenNewHartffoordandWi rdandWinnststeed)d) Friday Night $16.00 Rt.Rt. 181 8Cash6 0Only- 3 7 9 - 6 1 0 2 Car Load Night

Gate & Concession open at 6:30p.m. • Movie starts at dark

29 Years Experience • Honest Pricing No Hidden Costs • Clean, Courteous Installers

860-747-4427 860-622-9800

ME#11852 • FULLY INSURED • CT LIC #632484

www.larichremodeling.com

*available

6-15-17.

10

|

T

HOMEHELPERS |

THE FOOTHILLS TRADER

WEDNESDAY, MAY 24, 2017

lic # 567653

fully insured

Est. st. ‘95

LLC

www.assisimasonryllc.com

Free Estimates

Fully Insured

SEAMLESS GUTTERS

860-482-5218

Stone, Brick, Marble, stonewalls, sidewalks, stairs, interlocking blocks, chimneys, fireplaces, fire pits, backsplash, tiles, ceramic flooring, stone siding, and much much more! Call for a free Estimate Today

Emilio P. Bossone, Jr.

LIC#HIC0619035

ITALIAN ARTISAN WITH OVER 26 years experience

Torrington, CT 06790

Cutting Edge Lawn Care LLC Residential & Commercial

For All Your Professional LAWN MOWING NEEDS No Gimmicks, Just Great Service At Reasonable Prices visit our website for a full list of services

www.Paulscuttingedge.com Credit Cards Accepted

Lic#0622137

860.738.1992 Free Estimates

Fully Insured

Since 2001

860-485-6960 www.stumpthumpers.com

Free Estimates

HIC#0637951

Insured

fnmasonry.com

Cell: 860-309-2478 Office: 860-626-0022

lic. & insured

RENOVATIONS

Paul’s

TREE STUMP GRINDING

UNTRY BUILDERS LLC O C P J

Remodeling Additions, Baths Kitchens

Replacement Windows & Doors Siding, Decks

OLD-FASHIONED QUALITY YOU CAN LIVE WITH! Since 1988 No job too small • Lic.#0621710

738-1502

John T. Yacawych www.JPCountryBuilders.com

589-2267 Pat Collin

LAWN MAINTENANCE Weekly/Bi-weekly/One-Time

Seasonal Cleanups

Mulch

Machine Raking & Lawn Vacuuming

Snow Blowing & More... Extremely Reliable & Professional

Hedge & Shrub Trimming

Owner Operated Business

Curb-Side Leaf Vacuuming & Removal (Fall Only)

Fully Insured Residential & Commercial

Call Or Text Ron at Chamberlain Lawn & Property, LLC 860-459-0253 or email at [email protected] For a FREE estimate

WEDNESDAY, MAY 24, 2017

THE FOOTHILLS TRADER

CIBAKU'S

GENERAL MASONRY

Residential - Commercial

ECOLOG

FREE ESTIMATES LICENSED & INSURED

Excavation � Drainage Walks � Patios � Block Retaining Walls Tree & Brush Removal � Storm & Seasonal Clean-Ups Lawn & Landscape Installation � Hydroseeding

ANY SIZE JOB!

For All Your Landscaping & Lawn Care Needs

Stone, Brick, Block Walls, Stucco, Patios, Side Walks, Steps, Concrete Work, Chimneys, Fireplaces, Swimming Pools

Phone: (860) 379-9651

CELL: 203-768-7662

Email: [email protected] • www.bdlandscapers.com Fully Insured • Since 1988 • Free Estimates • CT Lic. #607728

LANDSCAPING

Joe Pelletier (860) 733-2043

Lawn Service, Plantings, Mulching, Tree / Shrub Trimming, Spring / Fall Cleanups. *Fully Insured*

Eri’s Masonry

Stone & Brick Walls • Patios • Steps • Sidewalks Bluestone • Chimneys • Fireplaces • Stucco Belgium Block • Retaining Walls • Powerwashing

All Masonry Repairs Free Estimates / Over 35 Years Experience Licensed & Insured

203-510-6881

H.L.C. 0640152

JP

T

| 11

HOME SERVICES, LLC

HOuSE WaSH

MAY SPECIALS $175 SInGLE StORy HOME $275 tWO StORy HOME not to exceed 2700 sq ft tax not included

OVER 25 YEARS OF EXPERIENCE

OFFICE: 860-483-2718

| HOMEHELPERS

GENE @

860-307-4967

Major House Cleaning WindoW Cleaning exterior Pressure WasHing

PRO KLEAN RESTORATION

860-585-8495

Manfredi

Since 1982 Seasonal Mowing, De-thaching, Aeration, Fertilizing, Bark Mulching, Pruning & Trimming, Clean-ups, Weeding & Planter Work Power Washing

860-482-4002

Plaster Restoration PLASTER & DRYWALL

TAPING. REPAIRS Plaster & Drywall Repairs PLASTER RESTORATION greatfallsstudio.com • Serving Litchfield County Sheetrock and Taping MARIO GENOVA

MarioCell: Genova (413) 413-854-7887 854-7887

Walkways • Stone Walls • Patios Steps • Stone Siding Chimneys Fireplaces of All Types

28+ Years of Experience

Ct.LICENSED licensed and insured FULLY AND INSURED

Serving North West Connecticut Residential/Commercial

• Seasonal Clean-ups • Lawn Mowing/Maintenance • Pavers, Walkways, Walls • Tree Removal • Chipping • Stump Grinding • Mulching • Gravel Driveways • Lawn Installation • Drainage • Excavating • Sitework • Parking Lot Line Painting

Chase Jespersen

fully licensed and insured / Torrington, CT 06790 860-605-7937 • [email protected]

12

|

T

HOMEHELPERS |

THE FOOTHILLS TRADER

WEDNESDAY, MAY 24, 2017

HOME IMPROVEMENT

Three tips to make your bathroom remodel a breeze Brandpoint

If you’re thinking about remodeling your bathroom, you’re not alone. Bathrooms are the most common remodeling project people will undertake in 2017, according to the National Association of Home Builders. So what’s the best way to begin? Here are three expert tips to help you get started: 1. Identify the “pain points” of your current bathroom. Even if you’ve been dreaming about a new bathroom for years, the exercise of writing out goals for your remodel is an important first step in taking the dream to reality. Start with the pain points of your current bathroom, whether it’s the fixtures, the tile, the vanity, the lighting or other functional and style issues, and then move on

to your wish list. Determining your “must-haves” in advance is key to prioritizing your action list and budget. 2. Budget like a pro. Accurate budgeting can help take the emotion out of the financial aspects of your project and put it where it belongs - in the excitement of seeing your new room come to life. The average bathroom remodel was approximately $18,000 in 2016 for a mid-range bathroom remodel, according to Remodeling Magazine. When budgeting your own project, be sure to factor in labor costs as well as material costs, and set aside contingency dollars for the unexpected. If you only look at costs on an item-by-item basis, you won’t get an accurate picture. Working with a designer or contractor can also help you

BRANDPOINT

BRANDPOINT

If you’re thinking about remodeling your bathroom, you’re not alone. to best choose where and how to invest your budget within your space. 3. Explore the new world

of affordable, professional design services. The internet has changed everything, and bathroom remodeling is no excep-

23 yrs still serving the nw corner

POWER WASHING

ROOF • SIDING DECK • DRIVEWAY

Drainage, Driveways, septic systems, foundations, utility trenching, ponds, complete site work, concrete work litchfield, ct

tom (860) 459-5820 resiDential/commercial

SPRING SPECIAL D. NATURAL MULCH

$200

10 YARDS DELIVERED DARk bRowN, RED & bLACk $25/YARD PICkED UP $30/YARD foR 10+ YARDS DELIVERED No MINIMUM UNDER 10 YARDS • call for pricing

TOPSOIL AVAILABLE

860-567-9349 C: 860-459-9043

SLOW WELL? 300 Gallon Tank Available

860-379-4130 Cell: 860-307-3669

FREE ESTIMATES

MEL

LICENSED & INSURED

If you’re thinking about remodeling your bathroom, you’re not alone. tion. Professional design experts are now available to the public in an affordable way, thanks to the advent of “virtual” personal design services. For instance, the Online Design Service from Kohler Co. offers homeowners up to three hours of collaboration with a Kohler Professional Bathroom Designer over interactive online meetings (such as Face-Time or Webex), email or phone. After an in-depth consultation with a Kohler Designer, each homeowner receives a personalized design package containing photo-realistic 3-D image of their new design concept, as well as mood boards, a sample box of finishes and color swatches, and a shopping list of product selections. Priced at

an affordable $399, Kohler also gives rebates on the company’s products for online design customers purchases. More details can be found at www.kohler. com/designservice. For those who may desire a more traditional customized in-home design process, working with a National Kitchen & Bath designer is also a great option. A nation of remodelers, the U.S. boasts a home improvement industry valued at more than $192 billion today, according to the Joint Center for Housing Studies of Harvard University. With new resources like online design services, it becomes easier for people to move from merely thinking about remodeling a bathroom to doing it.

WEDNESDAY, MAY 24, 2017

THE FOOTHILLS TRADER

Dan Langer Owner, Climber

free Estimates, Tree Removal, Expert Tree Climber, Bucket Truck, Chipping & fire Wood

LICENSED & INSURED

NEW CUSTOMERS ONLY • LIMIT 1 PER CUSTOMER MINIMUM 1 HOUR SERVES REQUIRED • CT RESIDENTS ONLY

homeowners’ mulch delivery special 7 yards $189 10 yards $249 12 yards $299 15 yards $369

!->A 70>&%1* 3 C0& ;).'>A& (>&='%1* 7+>=D #%AA%1* !,$--*-- >1/ !.+>2 ;..A%=>&%01 <%1- !&+%.%1*

+.5 7))

FREE DELIVERY IN MOST AREAS We deliver 7 days a week

PREMIUM DARK BROWN, DOUBLE GROUND RED & BLACK ALSO AVAILABLE ~Please call for CALL NOW TO ORDER spreading quote~

@# 96? :48B@68 BC@! ;5 76::4"7@;< 3 "4!@548B@;<

VALLEY’S LAWN & LANDSCAPE, LLC

%'56'#.6,.**

WINDOWS OF CONNECTICUT L.L.C

NOW OFFERING COMPLETE BATHROOM REMODELING/One stop shopping!

$25 OFF Sawyer Plumbing

13$/0-4( 204"$!&

HIC. 0634488

“We cover all aspects of the plumbing trade”

Over 30 years experience • CT license PLM280033

Fully Insured

!"##

| 13

860-868-0000 • www.sawyerplumbing.net

860-738-1421

CT El - l84056 Phone/Fax: 860-738-1630

T

Sawyer Plumbing LLC

Langer’s Tree Service

Dave Hotchkiss 124 Riverton Rd Riverton, CT 06065

| HOMEHELPERS

860-693-4355

www.mjrhomeimprovements.com

Specializing in Windows, Doors, Siding & Roofing

MIKE COUDRIET

Email: [email protected]

(860) 601-5907 Locally Owned and Operated

We Take The “Pane” Out Of Home Improvement.

Free In Home Estimates www.windowsofct.com www.windowsofct.com P.O. Box Box 515, 515, Torrington, Torrington, CT Ct 06790 P.O. 06790

Paint Services (860) 689-4443

Water Damage • Sheetrock Carpentry • Painting • Staining Power Washing HIC# 627002

References

Fully Insured

14

|

T

HOMEHELPERS |

THE FOOTHILLS TRADER

WEDNESDAY, MAY 24, 2017

REAL ESTATE

How PMI can make your dream of home sweet home a reality This article takes a YOUR LOAN? deeper look at PMI by anPMI can affect your In the 2017 housing mar- swering the most common loan in several different ket, those who choose to questions on the topic. ways depending on the pursue the dream of own- WHAT IS PMI? loan type and the lender. ing a home face several imIn some cases, the PMI will portant decisions, such as PMI is a type of mort- be required in a lump sum how much to put toward gage insurance. Like most at the time of closing. This a down payment. Twenty other types of mortgage PMI payment type is called percent down is typically insurance, it protects the an upfront premium. recommended by most lender in the event the borOther PMI plans call for lenders. rower is unable to repay monthly payments where While 20 percent is not the remainder of the loan. the total value of the PMI a requirement, pay ing In many cases, PMI is re- is divided and factored less can have a big impact quired on conventional into your monthly morton the amount you pay loans when the buyer has a gage payments. The PMI monthly. It is important down payment of less than can generally be cancelled for home buyers to know 20 percent. under certain conditions that when seeking a conSome lenders may offer once 20 percent of the ventional loan with less conventional loans that re- amount borrowed has been than 20 percent down of quire a smaller down pay- reduced from the principal the sales price or appraised ment without PMI, but the balance, or amount borvalue of the home, lenders tradeoff can typically be a rowed. will often require Private higher interest rate. Finally, the lender may Mortgage Insurance (PMI). HOW DOES PMI AFFECT also opt for a plan that reBrandpoint

quires both upfront and monthly PMI payments. In this case a portion of the PMI is paid at the time of closing, and then the remaining PMI is paid as part of the monthly mortgage payment. ALTERNATIVES TO PMI

Some gover nmentbacked loans offer alternative options to buyers paying less than 20 percent down on a home loan. There are several of these loans and each has a different approach to handling down payments and mortgage insurance. By being educated on the different types of loans you will have an easier time finding which best suits your needs.

Top Quality

VInyL WIndoWs Starting at

FREEE LOWSS GLA

$

BRANDPOINT

In the 2017housing market, those who choose to pursue the dream of owning a home face several important decisions, such as how much to put toward a down payment. LEARNING MORE ABOUT PMI

tional fee, it helps those with less than a 20 perWhile PMI is an addi- cent down payment realize their dreams of home ownership. To learn more about financing options that can make your dreams of homeownership a reality, visit VMFhomeloan.com.

225* installed

with the purchase of 5 or more Fully Welded • Half Screen • Virgin Vinyl Double Locks • Up to 101 U.I. ALSO • Entry & Storm Doors • Bays, Bows & Garden Windows • Vinyl Siding • We also Service Vinyl Windows - ALL MAKES!

Caron’s Connecticut Home Improvement LLC CT Reg 626375 860-738-1222

LAMESA LANDSCAPING & GARDEN DESIGN Residential/Commercial. Spring & Fall Clean-ups. Leaf Vacuuming Service, Lawn Mowing/ Maintenance. Tractor Work. Bush hogging Rototilling/ Yard Raking. Bark Mulching, Pruning, Snowplowing, Weeding Service/Garden Maintenance. Stone Strong Retaining Wall Systems Installed.

Call Frank 860-379-9006 or 860-866-8325 See us on the web at:

www.lamesalandscaping.com or email: [email protected]

WEDNESDAY, MAY 24, 2017

THE FOOTHILLS TRADER

| JOBS

T

| 15

CAREERS

Higher education institutions pledge dedication to student success Brandpoint

The future of higher education is often the subject of debate; what constitutes a valuable education for students continues to shift as student demographics change. Recently, government regulators and other external stakeholders have been questioning the value of for-profit higher education, specifically, citing forprofit colleges and universities that have not upheld their commitment to students. For-profit education organizations like DeVry Education Group contend that their institutions are uniquely positioned to serve the new majority of students - those who juggle full-time jobs, families and other obligations in order to pursue their educational goals, typically years after they complete high school. This new normal is now the largest group of college attendees, according to the U.S. Department of Education. Some schools are working to demonstrate this unique value, and their commitment to students, by providing information to students making the decision to attend college. This includes setting and communicating new standards to help students achieve their educational and career goals, and formalizing their institution’s commitment to students through public proclamations designed to hold them accountable to student and stakeholder interests. Chamberlain College of Nursing has made standards for student support part of the very fabric of its academic offering. Through an

BRANDPOINT

The future of higher education is often the subject of debate; what constitutes a valuable education for students continues to shift as student demographics change. educational philosophy called Chamberlain Care, the organization has created a culture that fosters collaboration, cooperation and respect among all through a care-based set of beliefs, values and behaviors. “We believe that if we provide our students with the care and support they need to be successful, they will go on to provide that same level of care as nurses,” says Susan Groenwald, national president of Chamberlain. “That’s why we built the Chamberlain Care model. It naturally extends outwards from

each student to their patients and to the communities they serve.” Recently, DeVry Education Group and its institutions, including Chamberlain College of Nursing, announced a set of Student Commitments formed in partnership with students and stakeholders to guide education and service to students. The commitments go above and beyond standard higher education policies and practices to provide a new level of public accountability in hopes of inspiring institutions through-

out the industry. They also encourage dialogue about value in education that will ultimately benefit all students, regardless of the institution they attend, and the employers who seek to hire them. The public proclamation outlines the following commitments, which Chamberlain hopes will serve as a model for other educators to consider for strengthening the industry’s commitment to students: 1. Informed student choice. Help students make informed decisions by providing infor-

mation about program performance and costs, and an orientation around student support services, online learning platforms and academic policies. 2. Responsible recruitment and enrollment. Provide financial and academic advising to prospective students and benchmark and disclose recruiting expenditures against national standards. 3. Responsible participation in the federal loan process. Lower institutional limits on federal funding and provide students with a va-

riety of ways to manage tuition costs. 4. Financial literacy and academic transparency. Increase student visibility into program progression, loan balance and financial position throughout their academic journey. 5. Improving student satisfaction. Conduct student surveys to track progress and actively respond to results and feedback. 6. Successful student outcomes and accountability. Identify and proactively engage with students who may be at risk for program completion, and account for student satisfaction and quality outcomes in performance management for executive leadership. “Our role as educators is to lay the foundation for the future generation of leaders. Part of that is providing students with as many resources as possible to successfully complete their studies,” Groenwald says. “By committing to put our students first, we are ensuring that they get the most out of their education and can pay it forward in the workplace.” When leaders in higher education voluntarily invest in transparent practices to strengthen the student experience, all stakeholders benefit. For the new majority of students who face challenges at work and at home, their academic success depends on a school’s commitment to them - not just their commitment to the school. Institutions like Chamberlain that put these students first are redefining the college experience and reinforcing the value of higher education today.

16

|

T

CLASSIFIEDS |

THE FOOTHILLS TRADER

Town & Country Welcomes Patricia DiPietro SPRING - SUMMER SPECIALS Specials are only with Patricia

Women’s Wash & Cut - $20 Men’s Cuts - $15 Kid’s Cuts - $12 Color & Cut - $60 Foiling - Starting @ $75 *Mention add for discounts*

860-489-7877

1208 East Main St., Torrington, CT FIREWOOD

MISCELLANEOUS

ACQUIRING Q ALL: ALL

LAWN & GARDEN Spruce Tree & White Pine 4ft. $50 ea. Includes planted & delivered, Guaranteed Pruned, Great for screening. 860-485-4330

MISCELLANEOUS 3 WINDOW air conditioners for sale. 860-738-4953

CNA: Home Health Aide The Farmington Valley VNA is seeking part-time and per diem CNA’s to assist our home care clients with personal hygiene, ambulation, and other plan of care tasks. Active CT CNA certificate, valid CT driver’s license, reliable transportation, good communication skills, and a positive, professional attitude are required. Position includes competitive wages and travel time/mileage reimbursement. Please contact Darcy Ingves at 860-651-3539 or [email protected] for more information. Farmington Valley VNA 8 Old Mill Lane, Simsbury, CT 06070 www.farmingtonvalleyvna.org EOE

Antiques, Vi Vintage t Electr El t onics, Audio, HAM radio, Musical Instruments, Jewelry, Watches, Art, Military, Toys + More! 1 Item or Entire Estates- Call 860-707-9350

YARD, RUMMAGE & GARAGE SALES Litchfield - 39 Litwin Rd. May 26 & 27; 9-2. Huge! Antiques, kitchen/glassware, collectibles, Litchfield memorabilia, furn., old farm tools, computer electronics, linens, dolls, games, & more. rain/shine. Torrington, 116 Ginger Lane, Sat & Sun, 9-2pm. Home decor items, nerf basketball hoop, bike & much more. WINSTED – 521 E. Wakefield; May 27th; 8:30- 2:30 pm A/C units, tools, furn., household goods.

HELP WANTED PART TIME

DIRT, SAND & SHELL

SCREENED TOPSOIL w/ enhanced manure

$21 per cubic yard. Free Delivery within a 10 mile radius of Winsted for 19 cubic yard loads. Delivery Charge for smaller loads. Extra charge for smaller loads. Call: 860-485-4400

FIREWOOD SPLIT & DELIVERED, 3 or more cords, $185 per cord. Premium hardwood mix, guaranteed full cord. Rod Fitch. 860-355-9876

FIREWOOD: Cut, Split and Delivered. Log Length Green (860)485-0693 TREE SERVICE: Tree Removal Land Clearing Chipping (860)485-0693 Fully Insured. Free Estimate.

WEDNESDAY, MAY 24, 2017

HOUSE CLEANER IMMEDIATE OPENING. T-W-TH 8:30-2:30. Join a Cinderella cleaning team. Nice people to work with. $11/hr. 860-379-1769

HEALTHCARE

COMP PANIONS & HOMEMAKERS INC.

HELP WANTED GENERAL Berkshire Springs is hiring full time, year round employee BOTTLERS AND HOME/OFFICE DELIVERY DRIVERS (no CDL required). Benefits. Must be able to lift 50 lbs. repeatedly. Located in Southfield, MA-7 mi. North of Norfolk,CT. Call 800-244-3212 for appointment

HELP WANTED FULL TIME HOUSECLEANING POSITION AVAILABLE Full-Time positions available Training starts at $11 per hour, can make up to $20 per hour. Must have reliable transportation. Email: Angela@ firstclasshousekeeping.com We conduct thorough background checks.

CAREGIVERS WANTED

• • • •

THROUGHOUT CT We are looking for mature, responsible individuals. Choose your own hours FT T/PT positions available Live-in positions available 80% medical/401k

Apply Online Toda ay at www.caregiverjobsct.com or call 888-844-4442 DCP HCA 0000101

APARTMENTS FOR RENT (UNFURNISHED) Newly Remodeled, 2 bed, 1 ba, Torrington, New appl,w/DW, new BR Fixtures, lots of closet space, off street prking, Heat/ Central Air, laundry on premises, 1 year lease +1 month sec, Utilities not included, No smoking or pets. $800. 860-480-9018 WINSTED, 1 bedroom. Includes parking. No pets. No smoking. $625 + utilities. 860-379-0801

APARTMENTS FOR RENT (UNFURNISHED)

BEAUTIFULL LY RENOVATED APTS. Laundry on site, on-site Maintenance. Heat & hot water included. 1-BEDROOM FLA AT, $855. 2-BEDROOM FLA AT, $950. 2-BEDROOM TOWNHOUSE, $1005, 3-BEDROOM TOWNHOUSE, $1115. Georgetown Apts Torrington Call 860-482-1941. Litchfield Affordable Apartment First Floor 2 BR, 1 Bath In town, shared garage $775/mo + util. Must be Income Eligible Equal Opportunity Housing Call Bob 860-567-4465, Box #2 Email: Info@LitchfieldHousingTrust.org

Write: Litchfield Housing Trust,

P.O. Box 1121 Litchfield, CT 06759-1121 Web Site: LitchfieldHousingTrust.org

PLEASANT VALLEY FOXRIDGE APTS. 1 & 2 BRs. Sliders to backyard, on-site parking, laundry & storage. Quiet s e t t i n g . $ 7 5 0 - $ 9 2 5 / M O. 860-379-2787. SIMSBURY & EAST GRANBY 1 & 2 Bedroom Apartments Please Call Fish Enterprises 860-677-1381

APARTMENTS FOR RENT (UNFURNISHED)

The Mill at Still Riv ve er 101 Whiting St. WINSTED, CT 06098

Has elegant brick & beam.

1 & 2 bedrooms.

Every Apartment has River views, dishwasher, garbage disposal, gas heat, cathedral ceilings. Laundry & elevator on premises.

“SMOKE FREE ENVIRONMENT”

Call Paula 978-821-6880 COMMERCIAL RENTALS AVON: Desirable office space in quiet setting. Competitive pricing. For more information, please call FISH ENTERPRISES at 860-677-1381

WEDNESDAY, MAY 24, 2017

THE FOOTHILLS TRADER

| CLASSIFIEDS

T

| 17

CLEANING SERVICES A TOP NOTCH CLEANING

Time to get a top to bottom cleaning! Residential or Commercial Call us for a great deal! Complete House//Office Cleaning. Also organize your closet, drawers, pantry, etc. “Green” products available upon request!

DEMENTIA PROGRAM COORDINA ATOR 40 HOURS/ WEEK

Honest, Trustworthy, Reliable. *Bonded & Insured “WE ARE TOP NOTCH”

This position p would involv ve the following g duties:

Call toda ay for a FREE ESTIMA ATE. 203-206-0717 or Email us: topnotchcleaning4u p g @y yahoo.com

HAULING

Sharon Health Care Center is currently seeking a Dementia Program Coordinator for our 88 bed facility located in Sharon, CT.

•Assist in plans and provisions of patient care by visiting residents regularly to evaluate needs. •Document and report to the nursing dept. any unusual significant findings. •Encourage resident to take part in activities of daily living that will stimulate his/her potential •Assist with and follow through on the establishment of resident care goals within the framework of the entire therapeutic team.

Requir q ements

DUMP RUNS!

Lumber, Furniture, Construction Debris, Appliances Clothes, Paper, Glass, Pools, Sheds, Decks, Fences, Brush, leaves, & More. Call 860-304-6740.

•Must possess a college degree and a certificate in Therapeutic Recreation. •Education in Dementia or Alzheimer’s needed. •At least 1 year experience in a supervisory capacity in a health care setting. •Experience working with individuals with Alzheimer’s necessary.

If interested,, please p submit a letter of interest to the address listed below Sharon Health Care Center John Horstman, Administrator

APPLY IN PERSON-WALK INS WELCOME! MON, TUES, WED & FRI 8AM – 4PM NEW EXTENDED HOURS THURS 7AM – 5PM 883 MAIN STREET, TORRINGTON, CT 06790 apply@aeistaffing.com P: 860-489-1463/F: 860-489-0414

$$ LOOKING FOR A NEW JOB? $$ We May Have That Perfect Fit for You!

HIRING NOW JOIN OUR TEAM STOP BY AND APPLY! WE HAVE SEVERAL IMMEDIATE OPENINGS

Sell! Shop! Hunt for a job!

ALREADY ON FILE WITH US? OUR POSITIONS ARE NOT JUST TEMPORARY… WE PROVIDE TEMP/ TEMP-HIRE/ DIRECT HIRE CURRENT OPPORTUNITIES IN THE TORRINGTON, WINSTED, NEW HARTFORD, PROSPECT & FALLS VILLAGE/ CANAAN AREAS.

And there’s so much more! Call now and the Classified Department can help you place your ad today!

REQUIREMENTS: RELIABLE TRANSPORTATION & HS DIPLOMA/ GED. PRE-EMPLOYMENT DRUG TESTS/ BACKGROUND CHECKS PERFORMED ARE DONE AT NO COST TO YOU.

27 Hospital Hill Road Sharon, CT 06069 860-364-1002

18

|

T

REALESTATE |

THE FOOTHILLS TRADER

WEDNESDAY, MAY 24, 2017

REAL ESTATE

The lowdown on low down payment mortgage Brandpoint

You would like to buy, but you can’t manage that 20 percent down payment. Does this sound familiar? The down payment is the

biggest impediment to buying a home according to surveys, but in reality many individuals can qualify for a mortgage with as little as 3 percent down. It is important to compare

loans and do the math. Consider your closing costs (the cash you need in-hand), the monthly mortgage payment, and if that payment will go down or up in a few years. Paying a few more dollars

open house on sunday, may 28 from 1-3

Call mary new 860-605-6570

21 Griswold ln. SPECTACULAR UPDATED PRIVATE WATERFRONT CTEMP/RANCH ON BEAUTIFULLY LANDSCAPED LARGE LOT ON WINCHESTER GAME AND FISH POND. CAIR -CLEAN PROPANE HEAT-WOOD FRS-STONE FIREPLACED LR OPEN TO UPDATED GRANITE KIT-SLIDERS OFF DINING TO LARGE DECK OVERLOOKING THE LAKE-1ST FLR MBR SUITE WITH FULL BATH-FINISHED LARGE WALKOUT LOWER LEVEL WITH FULL BATH AND SLIDERS TO STONE PATIO-3 FINISHED LEVELS EACH WITH ITS OWN FULL BATH-ENJOY YOUR OWN LARGE SANDY BEACH AND DOCK WITH EXTRA SMALL OUTBUILDING TO STORE BEACH EQUIPMENT-THERE ARE 10 HOMES ON THE 30 ACRE LAKE WITH EACH MEMBER PAYING $1,000 A YEAR FOR LAWN MAINTANCE OF COMMON AREAS AND DAM MAINTANCE. NO NEED TO GO AWAY FOR VACATION ENJOY YOUR PRIVATE LAKE HOME YEAR ROUND. $410,000. dir: RT 263 TO RIGHT ON RUGG BROOK TO LEFT ON GRISWOLD LANE.

860-409-2241 res: 860-379-3811 172 west main st., avon, CT 06001 bhhsneproperties.com

A member of the franchise system of BHH Affiliates, LLC

Come visit us at our new location!

25 Center St., Winsted (860) 379-2784 www.thedamoreagency.com

West Hill Pond Unique offering... Year round Log Home with beach rights to sought after West Hill Pond. Open floor plan, cathedral ceilings, custom windows, new skylights, whole house generator and much more all set on a level lot with in walking distance to the Lake and North end store. $174,900 Call David D’Amore, Jr 860-307-5870

torrington Spacious Raised ranch with 3 bedrooms with new windows, slider to deck with stairs to large lower deck. Newer roof, two car garage and finished lower level with walk out to deck. Nice large level back yard. $155,000 Call David & Pat D’Amore 860-485-3508

Mary New

each month in the beginning can sometimes save borrowers money in the long term. For this exercise, we compare a $234,900 home purchase (the national median home price as of December 2016), with a 5 percent down payment and a 720 FICO score. And because calculators and loan terms vary, consider these costs as examples only. A mortgage professional can provide you with specific estimates. CONVENTIONAL LOAN WITH PMI

A conventional loan is a traditional mortgage from a lender that is not insured by a government agency. With a 5 percent down payment, the borrower finances the remaining 95 percent over 30 years

When Buying or Selling… Please Think of us! David and Patricia D’Amore, Brokers Owners torrington Vinyl sided three bedroom, 2 1/2 bath Colonial with attached garage in neighborhood setting. EZ drive to all services & major Highways. 20 x 12 Fireplaced Living Room. 14 x 16 Deck off Dining area, and partially finished walkout lower level with slider to level rear yard and Arbor. Natural Gas heat, thermal pane windows and central AC make it economical to heat & cool. $169,800 Call David & Pat D’Amore 860-485-3508

neW Hartford Two buildings on High traffic Rte. 44 corner location. 2 story Victorian, plus a 2 story commercial building presently used for Retail Sales. Plenty of Parking, High Visibility & traffic count. Shed in rear of Home is not included. $245,000 Call David & Pat D’Amore 860-485-3508

with a 4 percent interest rate. Private mortgage insurance (PMI) is required because of the low down payment and is $78 of the monthly bill, making the total monthly mortgage payment $1,143. PROS >> A borrower can get a conventional loan with PMI with as little as 3 percent down. PMI can be cancelled once 20 percent equity in the home value is reached, which means your monthly bill decreases. CONS >> For some borrowers, a 5 percent versus 3 percent down payment may be a better deal as costs may be lower. However, for many prospective homebuyers looking to lock in low interest rates, build equity and home appreciation faster, an option to get into a home with the lower down payment may be better.

A COMBO LOAN (AKA PIGGYBACK MORTGAGE)

A piggyback involves two separate loans simultaneously. In this scenario, the first “primary” mortgage covers 80 percent of the loan with a 30-year fixed interest rate of 4 percent; the second loan is for 15 percent with 10year fixed interest rate of 5 percent; and the remaining 5

percent is the down payment. The total monthly mortgage payment would be $1,271. PROS >> The borrower will not pay PMI. CONS >> It may be a more expensive as the borrower will pay closing costs on two loans. And unlike PMI, the piggyback loan doesn’t cancel, but will be paid off over the term of the mortgage. The second loan often comes with higher interest rates too.

FHA LOANS

FHA loans are mortgages insured by the government through the Federal Housing Administration. The limits for FHA loans typically are lower than conventional mortgages. However, FHA mortgage insurance cannot be cancelled and must be paid for the life of the loan. FHA has other specific requirements, like the condition of the home. In this scenario, the mortgage is set at 95 percent of the home’s value with a 30 year fixed interest rate of 3.75 percent. The total monthly mortgage payment would be $1,199.08. PROS >> A borrower can get a FHA loan with as little as 3.5 percent down and a FICO score as low as 600 may qualify.

Your Rhode Island Connection

Buying, Selling, Renting Jim Rokos, Realtor

[email protected]

RE/MAX South County

860-605-5264

WEDNESDAY, MAY 24, 2017

THE FOOTHILLS TRADER

| REALESTATE

T

| 19

HOME AND GARDEN

Five simple projects to recreate your backyard Brandpoint

Your focus changes during the warm weather months. Your backyard becomes your new living room and the most memorable evenings are spent outdoors with friends and loved ones. This is provided, of course, that you have the perfect space for such gatherings. If you don’t, not to worry, the right project can get you there. DIY was made for goals such as this, and a simple weekend project can

recreate your backyard space into the outdoor oasis you’ve always wanted. Below are five projects you could tackle in a single weekend to recreate your backyard space. Review each to see which inspires you. You can always learn more about the step-bystep process to complete these projects through project blueprints and video at www.realcedar.com. • A bar for the deck. A deck bar is an easy weekend project

to house your cooler and act as a serving station for weekend events. Start this project by laminating four two-bysixes together to form the top. Cut notches from four four-byfours to build the legs for the bar and add the adjoining pieces to build the outside of the frame. Then add your cooler and connect your top to the frame with a hinge for a finished look. • A bench for sitting or storage. A beautiful bench that’s perfect for sitting or storing comes together in three simple steps. Build the frame from

notched pieces of Western Red Cedar, before filling the back with narrow strips of wood to form the back rest. Finally, build the bench and attach it to the frame with a series of hinges, ensuring the door can be opened whenever a little storage space is needed. • A doggy décor crate. If you’re looking for a safe place for your pooch, one where they can rest on their bed without fear of being trampled, a décor crate delivers. The design is available in three different sizes based on the size of

your dog and project plans for smaller dogs even include stairs. You can find free, downloadable building plans for each at www. realcedar.com. • Time to dine on your new table. Great memories are built around the dining room table, so when you want to spend more time outdoors, don’t be afraid to take the table with you. Building a stylish cedar table is easier than you think, and the matching benches make for a cozy gathering spot perfect for a collection of family and friends. Follow the simple build-

www.marystevensrealty.com

Bus: (860) 738-3754 Fax: (860) 738-4283

129 South Road, Winsted, CT 06098

ing plans and remember if you choose to finish your table, you should coat all six sides before installation. • Modern privacy right in your garden. Your garden is where you spend hours doing hard work, so why not make it a relaxing destination as well? A garden privacy nook can turn your favorite destination into a peaceful oasis with just a few rim joists, carriage bolts and Western Red Cedar two-byfours. Download the plans at www.realcedar.com and find your oasis today.

CALL OUR OFFICE AND WE WILL CHEERFULLY GIVE YOU THE ADDRESS.

WATERTOWN SOLID ranch house with many recent updates.

Comfortable open floor plan for the kitchen, dining and living rooms. LR with fireplace. Private back yard with deck and additional covered patio. One car garage underneath. Quiet neighborhood location yet convenient to shopping. Asking $209,900 Call Dale Savage at 860-309-7689 BRANDPOINT

Your focus changes during the warm weather months.

TORRINGTON LOVELY 4 BEDROOM Colonial in excellent condition.

3 full baths. Nice open floor plan, LR with FP, dining area opens to a partially covered deck. Formal dining room. Family room in the partially finished lower level. Nice corner lot in a great neighborhood. Attached 2 car garage. $199,000 Call Mary at 860-480-4149

TORRINGTON - $339,900 Experience the contentment and the convenience in the location of this custom built Tudor style Center Hall Colonial with popular design yet a feeling all of it’s own. Features include 2,692 SF, formal living room & dining room, partially finished basement, large kitchen with walls of cabinetry, 4 bedrooms, 2 ½ baths, family room with stone fireplace leading to a 3 season sunroom, oversized 2 car garage, 1.1 acre lot, curb appeal and a home worth considering.

Borla & Associates, LLC Contact Annesa Borla 860-921-6392 Cell • [email protected]

NEW HARTFORD MILLION DOLLAR VIEWS are yours to enjoy

with this 7.85 acre approved building lot. At night you will think that you can reach up and touch the stars! This special property borders 400 acres of New Hartford Land Trust. Approved for a 4 or 5 bdrm. home. Driveway is already in place. Asking $179,000 Call Lori LaMere at 860-605-3040

|

20

REALESTATE |

T

THE FOOTHILLS TRADER

WEDNESDAY, MAY 24, 2017

DAVID L. SARTIRANA BROKER AND OWNER

98 Main Street, Winsted, CT 06098

860-379-7245

126 Winsted Road, Torrington, CT 06790

nwctrealty.com

T

ke

o WT

R Ma

Ne

o WT

Ne

IC

PR

!

ION

CT

DU

E ER

W

NE

860-866-1158 T

ke

R Ma

BARKHAMSTED $259,000 This charming 1820’s Federal brick colonial is listed in the National Registry. Updated mechanicals, 3 fireplaces, wide board floors, original trim. Heart of Riverton location near river and town center. Heated in ground pool, gazebo, detached garage. G10175759 Kim Trumbull 860-309-6542

BARKHAMSTED $899,000 Be in this Summer! A year round stay-cation on West Hill Lake! 3BD/4.5B, Gourmet kitchen, LR w/ Stone FP, MBD suite with FP and sauna on main for easy one floor living. Upstairs has 2 more BD. Beach front, dock, boat house! G10210345 Kathy Samul 860-305-8430

BURLINGTON $359,900 3BD/2.5b Contemporary on over 1.75 acres in sought after private setting. Open floor plan, large kitchen w island, MBD suite w walk in closet and hot tub in full bath. Lovely natural setting with gardens and tool shed. Pool for summer fun! G10221693 Via Domus Team 860-416-4482

Torrington - Beautifully remodeled ranch with awesome kitchen, granite counter tops, modern backsplash, SS appl’s & tile floor. Hardwood floors in living rm & bedrooms. Sliders to rear patio, large back yard, garden area with outbuilding. LL has finished rm, full bath & lots of storage. $139,900 Cathy Macias 860-307-6236

ed

uC

d Re

N

BURLINGTON $709,000 Absolutely amazing property! Custom 3BD/2.5B Classic Colonial on 6 acres in a beautiful neighborhood. Stunning fit and finish throughout in a one of a kind gracious home. Gorgeous grounds, pool, large barn/horses permitted, separate office/studio. A true exquisite gentleman’s farm with no detail overlooked. G10164588 Julie Yescott 860-655-0646

CANTON $179,900 Classic New England cottage style home in lovely and desirable Collinsville! Walk to town, shops, restaurants, yoga, rail to trail and Farmington River. Winter views of Main Street and River. 3BD/1B with many possibilities or keep the vintage charm as it is. Maybe Less than Renting! G10193065 Jessica Beganski 860-965-5010 AL CI ED ER UC M ED M R CO ICE PR

New Hartford - This small house offers everything you need and is a great alternative to a condo. Located on a quiet low traffic street in Pine Meadow and has a large yard that is fenced for pets and offers plenty of room for gardening. Easy walk to river, bakery & farmers market. $109,500 David 860-806-0225

T uS

J

Torrington - Perfect for either owner occupant or investor. Side by side duplex with garage, 1 + 1/2 baths for each side. Units are mirror images enjoying enclosed porches, basement access, and deep yard. Units have hardwood floors, laminate floors in kitchen and laundry hook ups! $133,900 Cathy Macias 860-307-6236

d

Te

LiS

T uS

J

d

Te

LiS

CANTON $329,900 Great cul-de-sac location for this 4BD/2.5B Contemp Colonial. HW beneath carpeting, spacious rooms floor to ceiling FP in vaulted living room. Huge deck w/ hot tub and above ground pool. Estate sale is a great value with great potential. G10149365 Ann-Marie Rossley 860-205-0786

EW

Torrington - Well maintained 2 family home. 4 Rooms first floor, 6 Rooms 2nd floor with walk up attic, 3 bedrooms and 2 full baths, updated kitchen, & formal dining room. Large level lot with outbuilding. 2 Furnaces. $139,900 Ellie Peterson 860-309-1547

Nd

G

NE

Falls Village - 29.44 pristine acres bordering the Housatonic River, just north of the Trout Management Area. Great home site location with potential 360 degree views. Mature trees, moss covered stone walls, potential for private fishing dock. Located on a quiet, dead-end residential road. $199,000 Tami Reid 860-248-0195

Torrington - Eastside 3 bedroom brick ranch with 2 car garage plus a 26x24 detached outbuilding for truck, equipment and big person toy storage!!! Finished lower level with full bath and walk out offers in-law potential. Level back yard. $196,900 Ellie Peterson 860-309-1547

Winsted - Great location for a small office or small retail shop. Plenty of on street parking and in the heart of town with lots of foot traffic and other businesses nearby. Approx. 550 sqft with plenty of storage and gas heat. $600mth Call David 860-379-7245

Torrington - Tastefully decorated 3 bed, 2.5 bath Colonial with many updates. Main living level features a large living rm with stone FP, spacious and fully appl’d oak kitchen and dining room leading to a large private deck overlooking treed conservation land. Master bedroom has full bath & WIC. $174,900 David 860-806-0225

P

G

TORRINGTON $267,000 Spacious 4BD/3B Colonial in peaceful setting. Remodeled lovely kitchen w SS and slider out to stone patio. Vaulted fam room w fireplace. Possible first floor master or in law. Master Suite upstairs w heated floor in FB. Gazebo in yard and tool shed and fenced area, too! G10220400 Via Domus Team 860-416-4482

W

NE

W

NE

NEW HARTFORD $504,900 Chef’s kitchen with granite, subzero, Thermador gas cooktop in 4BD/2.5B Colonial on 2 acres. Deluxe MBD suite with spa like bath, FP in Great Room, office w builtins, HW flooring, 3 Car garage. Deluxe bonus room w sep access great for guests/ inlaws. G10218599 Geena Becker 860-983-4446

TORRINGTON $175,900 Well-kept ranch home with 3 or 4 bedrooms/2 full baths with an updated kitchen with stainless appliances. Large deck and finished basement. First floor laundry and full bath in LL, great for guests. 2 car garage under. G10170492 Christina Niziolek 860-673-5907

G

TORRINGTON $279,500 Spacious open floor plan in 5BD/3B Cape. First floor MBD suite with walk in closet, full bath and dressing room. HW floor in eatin kitchen, open LR and DR. Large rear deck, stone walls. 2 car garage. Active solar to keep energy costs low. G10214868 Gail Fialkiewicz 860-693-2876

D

CE

DU

RE

IN

ST

LI

G

IN

ST

LI

D

PLYMOUTH $163,900 Updated 3BD Old Style Colonial in a neighborhood setting. Updated kitchen with SS, tile and a remodeled Full Bath. Beautiful woodwork and HW floors in the LR/DR. Walk up attic can be finished for additional space. Many mechanical updates. Three beautiful enclosed porches, 1 car garage, shed. G10199951 The Via Domus Team 860-416-4482

IN

ST

LI

CANTON $249,900 Huge Raised Ranch w 4BD/1.5B. Many hardwood floors, kitchen w granite, spacious living. 3 Car detached garage with storage. Potential in law. Complete serenity yet 5 mins to RT 44 shops and dining. G10218598 Geena Becker 860-983-4446

CE

DU

E ER

RIC

NEW HARTFORD $324,900 Quiet Country setting right next to Ski Sundown! Slope view and amazing westerly sunsets. Nice Contemporary Cape w 3-4 bedroom, 2.5 bath, spacious 2816 sq ft open floor plan wonderful for entertaining. First floor MBD suite. G10201970 Julie Yescott 860-655-9967

W

La

CANTON $499,900 Zoned B1 for Professional/Medical office. Great location visible from RT 44, 3 medical practices plus lab and xray area. Multiple entrances, 24 car parking. Public water and sewer. Hardwood under carpets. Handicap access. Would need zone change to convert to multi fam. Many possibilities. G10192164 Geena Becker 860-983-4446

IN

ST

LI

N

Winsted - Clockmakers Hill - Well cared for 2 bed 2 full bath ranch condo unit. Located in the upper section and facing east this unit has a very private view. There is a large living room with gas fireplace along with a generous formal dining room open to a beautiful maple kitchen with plenty of natural light. $164,900 David 860-806-0225

G

IN

ST

LI

EW

Colebrook - Nice 3 bedroom, 1.5 bath ranch on country acre. This home will make a nice first home or empty nester. In the country yet on a major artery to get to recreation and conveniences easily. Fireplace in living room and options for other wood burning opportunities. $159,900 David 860-806-0225

G

IN

ST

LI

W

NE

G

IN

ST

LI

WINCHESTER ONLY $179,900 Turn of the century Mansard Colonial with incredible attention to detail and craftsmanship. 3BD/1.5B with period renovation, fabulous gourmet kitchen w SS and granite, tin ceiling and lovely crown molding. Delightful dormers in bedrooms. Marble bath with vintage fixtures. G10214912 Dan Babich 860-212-8680

LAND: BARKHAMSTED: 71 CANTON RD 98.4 Acres, Pond $399,000 Kim Trumbull 860-309-6542 CANTON: 9 HOFFMAN 2.32 Acres Hoffman Farms! $179,900 Charles Hartigan 860-202-1754 NEW HARTFORD: 116 Holcomb Hill Approved bldg lot, 4.3 acres $139,000 Susan Eastman 860-965-5483 NEW HARTFORD: 20 Fairview 8.62 acres, views. 2 bldg lot potential $85,000 Kathy Samul 860-305-8430

WEDNESDAY, MAY 24, 2017

THE FOOTHILLS TRADER

| AUTOMOTIVE

T

| 21

Buick lets sun shine in mid-sized Cascada convertible

legroom back there really requires a compromise with those in the front seat. But the car does This time of year, there have an electronically opis nothing more appealing erated system that moves than a drive in the sunthe front seats up and shine with the wind blowsomewhat out of the way. ing through your hair. The car under way And the Buick Cascada is is very balanced and a 2+2 convertible meant smooth. The Cascada to strut its stuff on the weighs in at 3979 lb. so it sunny streets of America. isn’t going to be twitchy Introduced as a 2016 and difficult to drive. Its model, there isn’t much ride certainly leans todifference for 2017, except wards the Euro suspenthe addition of the new sion feel, but that’s to be Sport Touring trim level. expected. Mechanically the same as This is a taut little conall Cascadas, the ST gets vertible, not at all soft a unique paint color, new and wallowing as so many wheel design, and other convertibles used to be. custom content. The front suspension is Unlike many convertGM’s HiPer-Strut indeibles, this one retains the pendent setup, and it uses proportions of the roofline specifically tuned coil instead of having to PHOTO COURTESY OF BUICK springs, a hollow and di“hunch up” to accommorect-acting stabilizer bar date the necessary mech- Buick Cascada and hydraulic ride bushanisms. In many dropings. In back there is a off for a romantic weektops this makes them look a true cloth-top model. with the top up. awkward with the tops up The top is acoustically You can also subscribe end without inviting oth- compound-crank torsion beam, which keeps the — which is where it norto General Motor’s Oners to sit in the rear seat and thermally insulated and share the experience, space needed for it to a mally is, except in paraStar 4G LTE which lets which opens and closes dise. Few of us live there, in 17 seconds while mov- you create a Wi-Fi hotspot there will be the back seat minimum. Naturally there are to hold the trunk’s overhowever. in the car. A navigation ing. four-wheel disc brakes This Buick does a good flow. radio and seven-speaker Granted, it isn’t a luxwith ABS and brake asjob of being the kind of The interior is attracpremium audio system ury car in either price or sist, but the Buick gets convertible that appeals tive and very European. presumption. It is “reward are also available. StabiliTrak, one of the to those who love openThis only makes sense, There are many other car” for those who have air cars. reached the point in their creature comforts, such as since the same car is sold better stability control Research shows that in Europe under the Opel systems integrated with lives where they can treat a remote vehicle starter, the car’s traction control. brands. All the cars are convertible lovers are front and rear 12-volt themselves. There are The Cascada sits comfortassembled in Poland. So, more loyal to the open-air plenty of features inside power outlets, heat-reably on 20-in. aluminum philosophy than they are to remind folks that they flective leather-appointed the interior is nicely apwheels. to any one brand of car. are driving a prize. seating, a heated, leather- pointed with detailing Speaking of safety, the That means that dropwhich emphasizes that This includes Buick’s wrapped steering wheel Cascada has six airbags. tops are a great way to get connectivity system, Inthis is a car that’s been and rear parking assist. They consist of dual-stage new folks into the brand’s telliLink, which uses a But the one price you pay earned. frontal and knee airshowrooms. The seats are comfortseven-inch display to for driving a convertible able and as supportive as bags and seat-mounted show text message alerts, is cargo space. The 2017 Cascada is a side-impact air bags for In the Cascada you get they are necessary. They Siri Eyes Free and, if you pleasant convertible to 13.4 cu.-ft. but just 9.8 cu.- are also attractive, fitting the front seats. A backup buy it, navigation. The drive. In an era where ft. with the top down. But in with the rest of the in- camera comes standard, most of the high-end con- audio system uses seven terior. The rears seats are and you can add forwardspeakers to pump out the since this is a type of car vertibles are using steel collision alerts and a lanealso comfortable, but the that couples would take sound, and which is nice tops, the Buick remains By David Schmidt AutoWritersInk

departure warning system. Since it’s a convertible, there is another rather important safety feature. The Cascada comes with spring-loaded and highstrength steel rollover bars behind the rear seat that are linked to the air bag system to fire up if the car senses that a rollover is imminent. Getting you around is a turbocharged four-cylinder 1.6-liter with variable and direct gasoline injection generating 200 hp. and torque is 207 lb.ft. of peak torque, or 221 lb.-ft. of peak torque momentarily when using the overboost. This power flows through a HydraMatic six-speed automatic transmission to the front wheels. The EPA rates the fuel efficiency as 20 mpg in the city and 21 mpg on the highway. Prices for the 2017 Cascada lineup should be in line with the 2016 models, which means they start at $33,065, then the Premium model starts at $36,065. The new Sport Touring trim line will top the lineup at 37,065 and one guesses it will be fully loaded. The Cascada is a car that offers people who want the sun in their eyes while cruising down the road. It isn’t fast, but it’s fun and attractive. Just like the people that Buick is expecting to come and buy them.

If you have any questions, comments or ideas, please send them to comment@ AutoWritersInk.com.

22

|

T

AUTOMOTIVE |

THE FOOTHILLS TRADER

WEDNESDAY, MAY 24, 2017

WEDNESDAY, MAY 24, 2017

THE FOOTHILLS TRADER

| ADS

T

| 23

24

|

T

ADS |

THE FOOTHILLS TRADER

WEDNESDAY, MAY 24, 2017