Capital District Real Estate, Lewis Beynon

Did you just wake up?

Enjoying that first cup of coffee?

Are you done eating?

Did the boss just yell at you?

Are you enjoying that cocktail?

Is it time for bed?

For free help quitting, call the New York State Smokers' Quitline at 1-866-NY-QUITS (1-866-697-8487).

The best advice I ever got was: "Never quit quitting." Good luck!!!

Meanwhile, if you have any questions regarding the Clifton Park Real Estate market, please feel free to call me anytime (518)281-3951.

Thank you.

The Honest Weight Food Co-op is recognized as the Clifton Park premier Natural and Organic Food Store. This member owned and operated store is open to the public and offers a complete variety of natural and organic grocery, dairy, frozen, and body care products. They also support a wide variety of local farmers and ranchers.

They have been voted as the Times Union "Best Natural and Organic store" numerous times. So, if you live in the Clifton Park area, be sure to check them out. They are located at 484 Central Ave in Albany and more details can be found on their Web site: www.honestweight.coop

Meanwhile, if you have any real estate questions in the Southern Saratoga County area, including Clifton Park, Rexford, Halfmoon, and Saratoga Springs please feel free to call me anytime (518)281-3951.

Thank you.

Just when you thought all was doom and gloom, there is a bit of good news for the Capital District.

The municipal bond rating for Albany, NY is now the highest for all cities in New York State. The bond rating moved two step to "AA-" by Standard and Poor's.

According to Jeanine Rodgers Caruso, executive vice president of Fiscal Advisors & Marketing, Inc. in Clifton Park, NY, a municipal financial advisory firm, the rating is higher than any city in New York. Needless to say, Mayor Jerry Jennings is very happy with these results.

The next highest rating is Rochester with an "A" rating.

So, just when you thought all was doom and gloom, I hope this news provides you with a glimmer of hope.

If you have any questions about the Capital District real estate market, including Clifton Park, NY please feel free to call me anytime (518)281-3951.

Thank you.

I'm Freezin' for a Reason...

Join us on December 13, 2008 for the annual Polar Plunge at Lake George, NY. Just minutes from Clifton Park, this great event helps raise funds for Special Olympics New York and allows all of us a little opportunity to help this great charity.

The Polar Plunge registration begins at 9:30 and the Plunge, dive, or slow crawl will start at noon. Anyone raising at least $100 will recieve an official Plunge sweatshirt, so gather a team at your office, church, or neighborhood and we'll see you there.

All the details can be found on their Web site at www.specialolympicsny.org

Meanwhile, if you have any questions about the Clifton Park real estate market, feel free to call me anytime (518)281-3951.

May I offer you some shelter? Not from the elements but from The Tax Man!!!

Home-ownership in Clifton Park, NY is one of the best tax advantages you can provide to yourself and your family. Listed below are a few of the ways that buying a home can help you minimize your tax liability. Please be sure to consult your tax adviser for all the details on these items.

1) Real estate and property taxes may be deducted from your income, lowering your tax bracket and tax liability.

2) Mortgage interest paid to your lender may be an itemized deduction on your taxes as well. This is a significant item in the early stages of your mortgage since the vast majority of your payment is to interest not principal.

3) Pre-paids and closing costs. There are a number of closing costs (e.g. transfer tax, points, pre-paid property taxes) that may also be deducted from your taxes when filing your return.

4) In many cases, when you sell your Clifton Park home you will not be required to pay Capital Gains taxes.

5) If you work from your Clifton Park home you may be able to write off some of the costs associated with this office.

6) If you find a new job and the distance is greater than 50 miles, you may be able to write off the cost of the move.

Again, this is a cursory look at some of the tax advantages to home-ownership. Please seek the advice of a tax professional to clarify the contents of this information and to see if you qualify.

If you have any questions about the Clifton Park real estate market, please feel free to call me anytime (518)281-3951 or visit my Web site at www.LewisB.com.

Thank you.