Bresee Chevrolet......3

evans Chevrolet......4

hudson & Mowins..4

longley dodge.......4

I n s I d e e x c e l l e n c e :

st Dealers: Area bucks national trend

-What deals are out there?

- What can buyers expect on the horizon?

llad?

e

Buy a new car this year and get a break on your tax billaxpayers who buy a new passenger ve-hicle this year may be entitled to deduct

state and local sales and excise taxes paid on the purchase on their 2009 tax returns next year, according to the Internal Revenue Service.

“For those thinking about buying a new car this year, this deduction may give them a little more drive to make their purchase this year,” said IRS Commissioner Doug Shulman. “This deduction enables taxpay-ers to buy now and get cash back later on their tax returns.”

The deduction is limited to the state and local sales and excise taxes paid on up to $49,500 of the purchase price of a quali-fied new car, light truck, motor home or motorcycle.

The amount of the deduction is phased out for taxpayers whose modified adjusted gross income is between $125,000 and $135,000 for individual filers and between $250,000 and $260,000 for joint filers.

The IRS reminded taxpayers that the vehicle must be purchased after Feb. 16, 2009, and before Jan. 1, 2010, to qualify

for the deduction and the deduction may not be taken on 2008 tax returns. The special deduction is available regardless of whether a taxpayer itemizes deductions on their return.

In addition, the IRS and treasury have deter-mined that purchases made in states without a sales tax — such as Alaska, Delaware, Hawaii, Montana, New Hampshire and Oregon — can also qualify for the deduction, which would include other fees or taxes imposed by the state or local government.

Source: irs.gov

Finances

In a nutshell- Limited to the state and local excise taxes paid on

up to $49,500 of a qualified new car, light truck, motor home or motorcycle.

- Vehicle must be purchased after Feb. 16, 2009 and before Jan. 1, 2010.

- The deduction amount is phased out for taxpayers whose modified adjusted gross income is between $125,000 and $135,000 for individuals and $250,000 and $260,000 for joint returns.

$

Meet the dealers: From left, Jeff Crouse, president of Bresee Chevrolet in salina, roger Burdick, president of driver’s Village in Cicero, and Mark evans, president of evans Chevrolet in Baldwinsville.

T

CBy Jennifer Wing

entral New Yorkers need only turn on their radio, television or log onto

the internet to hear about the state of the economy. Words such as “foreclosure,” “downsiz-ing,” “layoffs” and “unemployment” are peppered throughout many newscasts.

And it seems news in the automobile industry has been particularly bad.

But how are auto sales in Central New York, really?

Roger Burdick, owner and president of Driver’s Village in Cicero, said one positive trend today is “there are a lot of deals out there for the consumer.”

“Every manufacturer has gone to deeper dis-counts in many different forms: large rebates, zero percent financing, low financing as low as zero,” Burdick said. “The Chrysler products have fabulous deals right now. Some of the GM products are great deals. The imports, Kia,

Hyundai – are lower cost manufacturers coming into the U.S. and they’re kind of taking advantage of this lull in the market to gain some marketshare. So there are a lot of opportunities out there.”

Burdick thinks the future of both new and used car sales

“will be fine.” “In the U.S.

we have for the

last several years been selling between 15 and 16 million new cars a year. The economy has put a little bit of a lid on the expansion of the family fleet and so we think we’ll see a recovery back to 16 million plus but we don’t think it’s going to happen overnight

- we think it’s going to take maybe three or four years to gradu-

ally back there.”Burdick said the bottom was last October and

November, “when the real fear was in the market,” and that now “we’re climbing back out of it. I think one of the new indicators is to watch consumer confidence index. When you see consumer confi-dence rising, people are more apt to purchase big ticket items.”two Chevy dealers continue to succeed

Although GM has been in the news, with filing for chapter 11 bankruptcy protection and closing many dealerships, at least two area Chevy dealers have experi-enced success and will continue to operate in Central New York.

Jeff Crouse, president of Bresee Chev-rolet in Salina, said, after 87 years, the dealership continues to be strong in sales and service.

“The stories you read are misleading when it comes to this area,” Crouse said.

Eagle Newspapers Excellence – A Mid-year Report June 24, 2009

have CNY car sales

Been in an auto accident? Now what?l How to file a claim l The best insurance for your needs l Is saving money worth it in the end?AutoA new home

for Christopher...see Home,

page 5.

Please see sales, page 3

�/ExcEllEncE, JunE �4, �009 ExcEllEncE - A mid-yEAr rEport

How to handle an insurance claim in a snap

What price, peace of mind? Cutting car insurance costs now could cost you later

What do I do now?

I’ve had a fender-bender

n accident can take sec-onds to occur, but if

your car is damaged, managing the repair process can take days. From reporting the claim and getting a rental car to choosing a repair shop, it’s a lot of work and really, who has the time?

Fortunately, drivers with a claim have other options. For example, leading car insurer Progressive offers its customers a concierge level of claims service that takes care of the entire pro-cess from beginning to end.

Here ’ s how the process works:

• Make an appointment at your convenience to drop off your car at a Progressive con-cierge service center. In around 15 minutes, an expert claims representative will check you in, look over the damages with you and start your claim. If you’d like, a rental car will be waiting for you (policy coverage varies).

• When you drive off, the claims representative prepares your repair estimate and sends your car to an auto body shop that has met Progressive’s strict quality requirements.

• The Progressive claims representative will keep you up-dated throughout the process.

• When the work is finished, the vehicle is returned to the service center where your rep-resentative inspects the quality

of repairs.• Once satisfied with the

repairs, the service center calls you to schedule a pickup. When you pick up your car, the claims representative will go over the repairs with you.The repairs are guaranteed by both Progressive and the body shop for as long as you own or lease the vehicle.

This optional concierge ser-vice is available at no charge to Progressive customers and anyone involved in a claim with a Progressive customer. There are 54 Progressive service centers countrywide.

For more information, visit progressive.com.

-NAPS

A

In times of economic uncertainty, people look for ways to save money--from clipping coupons to limiting meals out. But cutting back on certain things now could mean heftier bills later. That definitely holds true for car insurance--an accident could cost hun-dreds, and you don’t want to be stuck with the bill.

Drivers need to stay insured to protect themselves, but there are ways to save real money on your insur-ance. Here are a few tips from leading car insurer Progressive:

Stay covered. If finances are tight, you might con-sider downgrading to minimum-limits, liability-only

coverage to save money. But that may not be enough--if you cause an accident, your insurance might not cover all the damages. Carry the right physical damage and liability coverages with sufficient limits to meet your needs so that fender bender doesn’t cost you big bucks.

If you’re considering dropping coverage altogether, you might want to reconsider: Doing that is illegal in most states, and if you drop your insurance now, you’ll pay more to get a new policy later because most insurers want to see proof of continuous coverage.

Collision vs. comprehensive insuranceWhat’s covered, what

isn’tGenerally, collision insurance

covers damage to your automobile caused by collision with another object or by upset. Comprehensive insurance covers damage to your automobile from vandalism, theft

or glass breakage. If you are mak-ing payments on your vehicle, your lienholder will usually require you carry these coverages. They require these coverages, because they cover the vehicle up to its actual cash value. (And, the vehicle technically belongs to them.)

However, if your vehicle is paid

for, it is your choice to purchase comprehensive and collision coverages. Now, some insurance companies will not sell comprehen-sive coverage without the collision coverage.

And, some insurance com-panies will require you keep the deductible amount the same for both coverages. In order to deter-mine if these coverages are worth purchasing, you will need to weigh the value of your vehicle against your deductible amount and the premium you will be paying for the coverages.

An older vehicle that does not have much value isn’t typically insured for comprehensive and collision coverage.

Think clearlyThe first few minutes after an

accident can be criticalOh no - you’ve had an accident!You must keep your cool and try to stay calm. You have plenty

of time to give in to your emotions later.First, stop your vehicle. State law require those involved in an

accident to stop and exchange information. Call 911 for police and/or medical assistance. Even if an accident seems minor, assistance may be needed to clear the accident scene, handle traffic and file an accident report. You may also have stress injuries that come on after the shock wears off.

Once the officer and/or medical personnel have finished, try and collect information about the accident. You may be able to get a copy of the report filled out by the police officer.

This information should include time and place of accident, weather and road conditions, and other circumstances of the ac-cident; as well as names, addresses, telephone numbers, driver’s license number and insurance information of those involved, including contact information for any passengers and/or wit-nesses. You also want to note vehicle information for all cars involved including make, model, year, color and license plate number. Also get the department and badge numbers of the responding police officer.

Please see Costs, page 3

Rock Solid for 87 years and still going strong through

604 Old Liverpool Rd. • Liverpool

www.breseechevrolet.com233-0333

other

FULL SERVICEWe specialize in diagnostics & ECM reprogramming

Bayberry Service Center7613 Oswego Rd (Rt 57), Liverpool, NY

652-4707Monday - Friday 8:00 - 6:00 Saturday 8:00 - 1:00

ExcEllEncE, JunE �4, �009/�ExcEllEncE - A mid-yEAr rEport

Dealership still going strong after 87 yearsQ and A with Jeff Crouse, president of Bresee Chevrolet

Chevy Voltlaunching in 2010, the Chevy Volt is designed to move more than 75 percent of america’s daily commut-ers without a single drop of gas. that means for someone who drives less than 40 miles a day, Chevy Volt will use zero gasoline and produce zero emissions. Unlike traditional electric cars, Chevy Volt has a revolutionary propulsion system that goes beyond the power of the battery. It will use a lithium-ion battery with a gasoline-powered, range-extending engine that drives a generator to provide electric power when you drive be-yond the 40-mile battery range.

Chevy Cruzea compact vehicle, Cruze was with sophisticated styling cues that are fast becoming the signature for Chevrolet. Cruze boasts ample in-terior space, surprising cargo capac-ity and comfortable seating for five. With exacting safety standards and a quality build, Cruze delivers on Chevy’s promise to offer a smartly designed compact at an exceptional value. Production is scheduled to begin in april 2010.

What do I do now?

By Jennifer Wing

Bresee Chevrolet has a league of professional veteran sale consul-tants and an inventory of new and used vehicles that will suit every customer’s taste and needs. With one of GM’s highest rated service departments, Bresee offers the kind of experience that makes both the purchase and service of a vehicle stress-free.

Sitting down with Jeff Crouse, owner of Bresee Chevrolet, 604 Old Liverpool Road in Salina, one thing is instantly apparent: The dealership, open since 1922, is here to stay.

At a time when much of the news is filled with doom-and-gloom stories about the automobile industry in general and the recent General Motors filing for Chapter 11 bank-ruptcy protection resulting in dealerships closings in particular, business remains steady at Bresee.

“The stories you read are misleading when it comes to this area,” Crouse said. “We don’t have real highs and lows in Central New York, so there isn’t a real big downturn in business.”Q: So what is next for GM?

“GM will emerge from bankruptcy in the next 60 to 90 days and we’re happy to be part of that new dealer network. We will continue to provide excellent service to our customers and offer the same great selection of both new and used vehicles that we always have.”Q: Why was Bresee Chevrolet one of the dealerships kept open by GM?

“I think part of the reason was our reputation. We also consistently do a large volume of business with a focus on customer service, which is what makes us so successful. Our customer loyalty is also an important factor in our success.”Q: How will the closing of other GM dealerships affect your business?

“We’ll be covering an area twice the size as before, which will result in hiring more people as we deem necessary. It is also important to note that we are

certified for warranty work and welcome customers for that work no matter where they purchased their vehicle. We are also the area’s only Business Central dealer handling fleet and commercial dealers.” Q: so what can consumers look forward to at Bresee?

“Our customers can count on the same service and value they’ve come to expect from Bresee Chevrolet. We also have two new models c o m i n g out, the C r u z e and Volt (see side-bar). Our website is very user-friendly and is updated every day.”

For more in-formation visit breseechevrolet.com or call 218-9995.

Jeff Crouse, Bresee Chevro-

let president

Bresee Chevrolet is located at 604 Old liverpool road in salina.

“We don’t have real highs and lows in Central New York, so there isn’t a real big downturn in business.” See page 3 for a Q and A with Crouse.

Four generations and 87 years later, Evans Chevro-let is also still going strong. In fact, “2008 was the best year the dealership ever had,” said Mark Evans, who currently owns the Baldwinsville dealership.

“Last year, we bucked the national trend,” he said.

Evans attributes much of the dealership’s success to an organization-wide philosophy of taking care of

the customer.“Our customer satisfaction rating has been con-

sistently ranked in the top percentage of dealerships nationally,” he said. “Most of our employees have been with us for many years, the average being 14 years with the company, which means when the customer comes to the dealership, they see a familiar face.”

“We will continue to represent the Chevrolet brand in the Baldwinsville area,” Evans said. See page 4 for more on Evans Chevrolet.

Protect yourself from uninsured and underinsured drivers. You might not be the only one who’s looking to save a little dough--other drivers might cut costs by canceling their policy or reducing their cover-age. And if one of those drivers hits you, you could be left paying for the damages. Uninsured and Underin-sured Motorist coverage can help protect you.

Shop around. Rates can vary greatly from company to company, so shop around to find the best deal. A local independent insur-ance agent can offer more choices and savings because he or she can review multiple options to find the

right mix of companies, policies and rates for you.

Make sure your policy is up to date. If you’ve moved, gotten mar-ried or bought a home, check with your agent--you may be eligible for lower rates.

Raise your deductibles. Accord-ing to the Insurance Information Institute, raising your deductibles to $500 could reduce your Colli-sion and Comprehensive costs by 15 to 30 percent.

Research before you buy. Before you buy a new car, ask your agent what it will cost to insure. Generally, smaller cars with lower horsepower are less expensive to cover.

Check coverages. Owners of older or inexpensive cars could consider dropping Comprehensive and Collision coverages. Doing that can save hundreds of dollars each year.

Check for available discounts. Talk to your agent about discounts your carrier provides. You might be eligible for a car insurance discount if you pay in full, are a loyal cus-tomer, sign up for paperless billing or list another car on your policy.

If you’ve moved, gotten married or bought a home, check with your auto insurance agent--you may be eligible for lower rates

-NAPS

Sales From page 1

Cost From page 2

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04 Pontiac Grand Prix GTI111K miles or

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4/ExcEllEncE, JunE �4, �009 ExcEllEncE - A mid-yEAr rEport

By Georgia Keene

Since 1946, Hudson & Mow-ins Domestic and Foreign Auto Repair has served Baldwinsville and the surrounding area with exceptional customer service and work done with honesty and

value in mind. The AAA-Ap-proved Napa AutoCare Center is a well-kept operation with friendly staff and a strong com-munity presence.

Owners Greg and Cathy Hud-son encourage customers to keep their vehicles in top condition

in 2009. They emphasize that routine maintenance can save customers money in the long run. “With the economy the way it is, customers will benefit from maintaining the vehicles they have rather than dealing

By Georgia Keene

Longley Dodge, a Five Star Chrysler dealer, is a family-run business that has shown its stay-ing power throughout the years. President Dennis Longley, vice president Gene Longley and sales manager Doug Longley represent three generations that have owned and operated the dealership since 1947.

As a Five Star dealer, Longley Dodge meets Chrysler’s strict training, facility and process requirements. Chrysler periodi-cally re-evaluates these dealer-ships, making sure they meet high standards. Individual staff members must also be evaluated specifically for their jobs, mean-

ing managers and technicians must attend training workshops in order to provide the best customer service possible. The staff members at Longley Dodge believe they must earn the busi-ness they receive.

According to Dennis Long-ley, Longley Dodge strives to be the best dealership, not the biggest. Longley reports that 2008 sales ended strongly, with December sales up from the end of 2007. “I believe that much of our longevity as a business stems from treating our cus-tomers like part of the family,” Longley says.

Among the dealership’s of-ferings is the Dodge Ram 1500, recently named International

Truck of the Year by J.D. Power and Associates. Longley says this vehicle is brand new from the ground up, with improved fuel economy, more horsepower and an unbeatable ride. Its quality is on par with the imports that have been so popular recently. Longley says that this popularity is not as well deserved as some might think.

According to the National Highway Traffic Safety Admin-istration, Chrysler recalled the fewest vehicles of the “Big Six” producers in the U.S. In 2008, Chrysler recalled 360,000 ve-hicles, compared to 2.2 million recalled in 2007. In contrast, Toyota and Honda both saw increases in their recalls in 2008 between 198,000 and 230,000 vehicles compared to figures from last year.

These figures support the attitude at Longley that buy-ing domestic vehicles is best for both the customer and the economy.

Speaking of the economy, Longley Dodge has received good news regarding Chrysler’s financial troubles. “We got one of the good letters, and we will be staying open,” says Longley. Although Chrysler has endured some difficult times, it is emerg-ing as a new company with lower costs and a focus on new, top quality products. “We look for-ward to moving into the future with Chrysler,” says Longley.

He says that the U.S. auto in-dustry can only grow from here, and looks forward to seeing it more closely resemble the glory days of vehicle manufacturing.

“We’ve been here for over 62 years, and we plan on being here another 62 years,” Longley says.

The dealership has service and parts departments with expert technicians who com-municate directly with the factory. Longley will service any Chrysler, Dodge or Jeep vehicle regardless of where it was purchased.

As a Chrysler dealer, Longley Dodge is better equipped to service a Chrysler, Dodge or Jeep vehicle than an ordinary shop. “Unlike smaller service

Dealership continues tradition of great customer service

Erin SmiTh

Mark evans, owner of evans Chevrolet in Baldwinsville, stands with the much anticipated 2010 Chevy Camaro, which arrived at the dealership a couple weeks ago.

By Erin Smith esmith@cnylink.com

In 1922, Mark Evans’ great-grandfather opened a Chevrolet dealership in Baldwinsville. Four generations and 87 years later, Ev-ans Chevrolet is still going strong. In fact, “2008 was the best year the dealership ever had,” said Evans, who currently owns the Baldwins-ville dealership.

“Last year, we bucked the na-tional trend,” he said.

Evans attributes much of the dealership’s success to an organi-

zation-wide philosophy of taking care of the customer.

“Our customer satisfaction rat-ing has been consistently ranked in the top percentage of dealerships nationally,” he said. “Most of our employees have been with us for many years, the average being 14 years with the company, which means when the customer comes to the dealership, they see a famil-iar face.”

Evans Chevrolet not only sells new and GM Certified used cars, but they also provide customers

with an award-winning, state-of-the-art service department, along with the body shop and parts department. The dealership is also involved in the Baldwinsville com-munity including sponsorship of a local Little League team.

“We will continue to represent the Chevrolet brand in the Bald-winsville area,” Evans said.

Evans Chevrolet is located at 112 Syracuse St. in the village of Baldwinsville. For more informa-tion, visit evanschevy.com or call 352-4172.

Evans Chevrolet here to stay

Pictured from left are Gene longley, John Wall and dennis longley of longley dodge in Fulton.

Pictured from left are eric Kulba, scott Polmanteer, ron Fitzgerald, richard stonecypher, Chris racha and Fred Mathieson III.

Please see service, page 6

Keep your vehicles in top condition at Hudson & Mowins

Longley Dodge strives to be the best dealership, not the biggest

* GM Loyal Bonus: current owners of GM vehicle 1999 or newer.* Targeted Lessees Bonus: current lessees with end date through 12/31/09.* All Prices Plus Tax, Tilte & DMV.

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2007 Chevy Impala LS#GM2058,one owner, pwr seat, side airbags, ONSTAR, 38,104 miles $11,695*

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2005 Chevy Equinox aWD#GM2005, one owner, LT, sunroof,heated leather, 6-disc CD, XM, ONSTAR, black, 29,625 miles$13,995*

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2005 Chevy malibu LS#GM2044,one owner, Alloy wheels, V6, ABS, loaded,45,073 miles$8,995*

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RT 690

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EVANS

N

VanBuren Rd Exit

2010 Chevy CAMAROj In Stock j

HomeCustomer satisfaction is top priority

Please see longley, page 6

ExcEllEncE, JunE �4, �009/�ExcEllEncE - A mid-yEAr rEport

First-time homebuyers get a ‘perfect storm’ of a deal

haron Huard was a busy mom who works full-time, as do many women in this nation, when she received word

of a promotion at work. She and her family, husband, Jeff, daughter Ellie, 10, and Alex, 12, rejoiced at the good news.

During that period of celebration, she was then thrown a curve ball.

Her husband, Jeff, a staff sergeant in the New York Army National Guard, received word at

almost the same time that he was about to be deployed to Afghanistan.

Sharon, director of student support services at Upstate Medical University, also realized that her promotion now allowed her to move out of student housing, which was a requirement of her former position.

“We lived in student housing for 10 years, and it was nice, but now we could realize a dream and buy a house,” she said. “The prob-

lem was, my husband was going to be leaving, so it would fall on my shoulders to find a house. He encouraged me to look and make the deci-sion, but that’s a huge task to do alone.”

So Jeff packed up and left for Fort Bragg in North Carolina for his “pre-deployment.”

“We all cried,” Sharon said. “It was horrible to know that he was leaving.” Phone calls at least once a week and a visit during Easter helped.

S

First-time buyer tax credit FaQtax credit of up to $8,000 is available

for qualified first-time home buy-ers purchasing a principal residence on or after Jan. 1, 2009 and before Dec. 1, 2009. The home purchased must me the principal residence of the buyer.

The following are the answers to frequently asked questions supplied by the national Associa-tion of home Builders:

Who is eligible?First-time home buyers purchasing any

kind of home—new or resale—are eligible for the tax credit. The purchase date is the date when closing occurs and the title to the property transfers to the home owner.

Who is a first-time home buyer?A buyer who has not owned a principal

residence during the three-year period prior to the purchase. For married taxpayers, it ap-

plies to both spouses. What are the income limits?

The income limit for single taxpayers is $75,000; the limit is $150,000 for mar-ried taxpayers filing a joint return. The tax credit amount is reduced for buyers with a modified adjusted gross income (mAGi) of more than $75,000 for single taxpayers and $150,000 for married taxpayers filing a joint return. The phaseout range for the tax credit program is equal to $20,000. That is, the tax credit amount is reduced to zero for taxpay-ers with mAGi of more than $95,000 (sin-gle) or $170,000 (married) and is reduced proportionally for taxpayers with mAGis between these amounts.

how do I claim the tax credit? You claim the tax credit on your federal

income tax return. Simply complete irS

Form 5405 to determine their tax credit amount, and then claim this amount on Line 69 of their 1040 income tax return.

What types of homes will qualify for the tax credit?

Any home that will be used as a prin-cipal residence will qualify for the credit. This includes single-family detached homes, attached homes like townhouses and condo-miniums, manufactured homes (also known as mobile homes) and houseboats.

What does the fact that the credit is “refundable” mean?

The fact that the credit is refundable means that the home buyer credit can be claimed even if the taxpayer has little or no federal income tax liability to offset. Typically this involves the government sending the taxpayer

a check for a portion or even all of the amount of the refundable tax credit.

For more information, visit federalhousingtaxcredit.com for more infor-mation about the national Associa-

A

Please see dream, page 6

nyserda .......................................................................................................................................6tiMe warner CaBle .......................................................................................................................7

griMsley agenCy .............................................................................................................................7I n s I d e e x c e l l e n c e :

A ‘dream come true’ Thinking of ‘moving

on up?’The best time to buy a home

could be right now

David Manzano, in his second year as Greater Syracuse Association of Realtors and two-time Re-altor of the Year in Syra-cuse, has worked in real estate for 20 years. not only sells existing homes, but also works with Sci-uga Custom Builders on new construction. He and his wife have two children and live in Onondaga Hill. He can be reached at 488-2926 ext. 227 or dmanzano@huntreales -tate.com.

By Jennifer Wing

ick of apartment living? Thinking of buying a house? Now could be the perfect time to make

that life-changing purchase, with an incentive of up to $8,000 (see sidebar.)

And many people are taking advantage of that incentive, according to David Manzano, president of the Greater Syracuse Association of Realtors.

“Things are looking up, espe-cially in the first-time buyers’ mar-ket,” Manzano said. “We’re seeing homes in that first-time buyers’ price range going really fast and see-ing multiple offers on houses.”

And why not? The time is ripe to purchase, with many options and homes priced right, Manzano, who is a licensed real estate broker at Hunt Real Estate in Fairmount, added. For ne example of a first-time buyer getting her dream house, see story at left.

This is all good news for the lo-cal real estate market, which did experience a downtrend in the last quarter of 2008. That downtrend, Manzano said, was not as severe as was reported nationally.

“We were not in a good position as far as our statistics were,” he said. “In fact by the time we climbed out of the last quarter, we were down in our year-to-date numbers. But we never really experience big highs and lows here in

S

the huards: Jeff, sharon, Christopher, 6 months, alex, 12 and ellie, 10 stand in front of their dream home, about to be-

come a reality.

Please see Market, page 6

Time Warner Cable’s CNY System offers 100 high-definition channels...see page 7Home

Going ‘def’

�/ExcEllEncE, JunE �4, �009 ExcEllEncE - A mid-yEAr rEport

Upon returning home from that visit, Sharon was thrown yet another curve.

“I discovered I was pregnant,” she said with a smile. “But Jeff was already on his way to Afghanistan, so I had to wait to tell everyone, since I wanted him to know first.”

The pregnancy was an easy one, which Sharon said was fortunate since her husband was away. “It was hard because he couldn’t go through the pregnancy with me. Mentally I had to not have a part-ner, but I did have my sister as my coach.”

Ellie piped in “When he was gone, I was daddy.”

Jeff said one good side effect of the pregnancy was it made his deployment go faster, both for him and his family.

“I was there and she was here, so it was difficult,” he said. “I wanted to be there, but since I couldn’t be, it was a good distraction that helped time go by.”

When asked about his time in Afghanistan, Jeff modestly down-plays his role there.

“It’s hazardous everywhere there, but there were people in more hazardous positions than me.”

Meanwhile, back in the states, Sharon spent a good deal of time looking at prospective houses

with her realtor David Manzano of Hunt Real Estate (see article, right.)

Alex and Ellie had never lived in a house, and were excited about the prospect.

“I started out very exited,” Alex said. “I was interested for the first month or two, then got bored out of my mind because my mom would make a list of everything that was wrong with each house.”

Laughing, Sharon said, “That is so true.”

On Dec. 17, 2008, their “Fort Bragg baby,” Christopher was born. Jeff narrowly missed the birth, returning home on Dec. 27.

“She called me and said, ‘the baby’s here.’”

Now working as a technology teacher at East Syracuse -Minoa High School, he and his fam-ily then kicked looking for a new house into high gear.

“We knew we wanted to live in the ES-M district and we knew what size of house we wanted, so that helped in narrowing our pros-pects,” Sharon said.

While they looked at houses, the family saw and fell in love with a newly-constructed house in Mi-noa Farms, site of the 2005 Parade of Homes, an annual event show-casing the best of the best home builders in the Syracuse area.

“I knew it wasn’t in our price range, but it was so perfect for us,” Sharon said.

That was when Manzano stepped in.

“I talked with Sal Sciuga of Sciuga Custom Builders and he is just a great guy,” Manzano said. “This was a model home that had not sold, and Sal said, ‘it we’re go-ing to sell this at a loss, I want it to go to a family like this.”

So Sciuga “gave us a wonderful deal,” Sharon said. “He is amaz-ing.”

Manzano agreed.“His houses are great and he is

known as a well-rounded builder, but he really doesn’t just build

homes, he builds communities,” Manzano said.

The couple will also be able to take advantage of the $8,000 incentive offered on new homes purchased in 2009, which will help costs (see sidebar.) Sharon said that even the lender they were going through has been very helpful and supportive, and the family hopes to close at the end of the month, due in no small part to the bank’s “pushing this through fast, without a lot of stress.”

Manzano called the deal a “per-fect storm.”

“It took all of the pieces falling together just right,” he said. “This was really a combination where the realtor, builder and bank came together to make this happen.”

“We say every day how lucky we are,” Sharon said, cradling her “Fort Bragg baby,” who is now 6 months old. “This is a dream come true, with a house that has many upgrades we couldn’t afford to do on our own. It has upgraded light-ing, wonderful countertops and molding.”

Sharon added that it is so great that her kids can take the bus to school.

“I used to have to drive them,” she said. “And they both already have friends in the neighbor-hood.”

Ellie, in the fourth grade at Fre-mont Elementary, likes math and plays lacrosse and said her favorite part of her new home is “the huge basement.”

Alex, a sixth grader at Pine Grove Middle School who is in-volved in the Lego Robotics Club, is excited about his big room.

Speaking for Christopher, Ellie said, “He’s excited about having his own room. He likes to look at the view through the window.”

For more information about Sciuga Custom Builders, visit sciugabuilders.com.

Central New York, so the things that were happening in places like Florida and California were not happening here.”

Syracuse, in fact, was listed by Forbes.com as one of the nation’s 25 strongest housing markets. According to forbes.com, “Housing markets in upstate New York never had the ups and downs of some hot markets in the rest of the country.”

Within weeks of the stimulus package being signed by President Obama, sales started going up,” Manzano said. “Up until he signed the bill we weren’t doing so well. It was a good spark for first-time buyer sales.”

Manzano calls another part of the equation, “the pent-up consumer demand through 2008 to buy a home. We always knew that demand was there, but what happened with the stock market, Wall Street and mortgages got everyone nervous and jerky.”

Manzano said this is ref lected by the fact that the increase in business has not been limited to just the first-time homeowner.

“Many current homeowners are also looking to move up into a larger home or, on the f lip side, some whose children have left the nest are looking to downsize,” he said. “The demand is there, but the homes still have to be priced right. The ones that are priced well are f lying off the shelves. The ones that aren’t are sitting there for a while. It’s so important for the seller to price their homes well. A $5,000 difference in pricing doesn’t seem like a lot, but it can make all the difference.”

Manzano said the key to pricing right is for the seller to look at what the market is doing in their area and consult a good market analyist and licensed real estate broker. “In some cases you may need more than one opinion.”

DreamFrom page 5

with the expense of buying a new one,” says Cathy. Greg Hudson reports that many customers have been doing just that. Those who have recently bought new cars are also taking maintenance measures to protect their investment.

The Hudsons remind their customers that they can keep up a vehicle’s warranty without returning to the dealership for service. The Magnuson-Moss Warranty Act states that owners can choose which service shop maintains their warranty. The staff at Hudson & Mowins hope their shop will be the community’s choice for warranty maintenance.

Hudson & Mowins has been a AAA-Approved center for 50 years, and has won the AAA Top Shop Award for seven years running. Under AAA’s program, Hudson & Mowins is held to high standards, all of which the shop meets or exceeds. The shop has also been a Napa AutoCare Center for 18 years. Napa requires that all of its centers be highly reputable and qualified to make

quality repairs. The technicians at Hudson &

Mowins are outstanding; three are Master Technicians, which means they are qualified in every possible area of ASE Certification. This certification is given for service excel-lence. The rest of the technicians are work-ing to become Master Technicians, while all of them are ASE Certified. The techs at Hudson & Mowins regularly attend training sessions to make sure they have the skills to service the array of new vehicles on the market.

The reception area of the shop is always clean, with conveniences such as a toy-filled play corner for children, a television and computer setup, wi-fi internet, and cof-fee. The staff is friendly and helpful, and the mechanics speak directly to customers about the work to be done on their vehicles.

The shop has a computer system that allows invoices and maintenance his-tories to be conveniently accessed. E-mails or postcards are sent out weekly to remind

customers when routine maintenance and inspections are due. Hudson & Mowins offers a Napa AutoCare credit card with 90-day, same-as-cash terms.

Hudson & Mowins continues its work with a research team from Syracuse University and the Napa Ad Council to help raise money for autism awareness. There are informative pamphlets and a donation box in the reception area, and so far the effort has been a success. The Hudsons have raised money by having people make donations in place of paying for some repairs. “If a customer comes in with a flat tire, for example, we will tell them to donate the cost of the repair instead of charging them. Yes, it cuts down on the money we make, but it is such a worthwhile cause,” says Cathy. She says that with the participation of several Napa service centers, a lot of money is being raised for autism research.

Hudson & Mowins is located at 62 E. Gen-esee St. in Baldwinsville. To contact them, call 635-5681 or visit www.hudsonandmowins.com. They look forward to meeting new customers this summer..

Service From page 4

Market From page 5

Seneca Federal earns approval from NYSERDA

From left are tammy Purcell, vice president of lending; Penny Vanauken, vice president of operations; Katrina russo, vice president, and Janice Macdonald, vice president secretary.

Seneca Federal Savings and Loan Association announced it has been approved by New York State Energy Research and Devel-opment Authority (NYSERDA) as a participating lender.

Christopher Demong, presi-dent of Seneca Federal, said, “This is an important way we can help consumers in Central New York reduce their energy costs.”

He further explained that the New York Energy Smart Loan Fund is designed to encourage eligible borrowers to take ad-vantage of available products, technologies and other measures that reduce energy use in both existing and new 1 to 4 unit homes, apartments and commer-cial buildings.

Mr. Demong fur ther ex-plained, “Seneca Federal can offer NYSERDA approved bor-rowers interest rate reductions

of up to 4 percent on loans for homeowners and others who make eligible improvements or purchase eligible energy star ap-pliances.

“A typical home improvement loan rate of 6.50 percent, for ex-ample, could be reduced to 2.50 percent.”

He said the application pro-cess is not that difficult.

“The customer fills out our typical loan application as well as the required application for NYSERDA,” the bank president said.

He also said loans and even grants are available for wind tur-bines and photovoltaic panels.

“Nyserda.org is the best source of information for details of these programs,” said Demong.

“As the cost of energy increas-es it becomes more important for homeowners to take small

measures, such as additional in-sulation, as well as looking into alternative energy sources. New York State has partnered with eligible financial institutions, such as Seneca Federal, to help

reduce the cost burden and assist consumers in determining pay-back periods based on particular homeowners’ time horizons,” he added.

Longley From page 4

now Available at Seneca Federal

• Up to 4% Interest Rate Reduction through the New York Energy $mart Loan FundSM

• Purchase High Performance ENERGY STAR® appliances, heating and cooling systems, insulation, windows WIND TURBINES and more...

• Seneca Federal is an approved participating lender with the New York State Energy Research and Development Authority (NYSERDA)

Go to www.nyserda.org/loanfund to learn more about eligible improvements and other programs.

Loan approval, terms, conditions and eligibility are

subject to guidelines of Seneca Federal and NYSERDA

MAIN OFFICE35 Oswego StreetP.O. Box 210Balwinsville, NY 13207(315) 638-0233315-638-9871 FAX

LIVERPOOL OFFICE105 Second StreetP.O. Box 429Liverpool, NY 13088315-457-1280315-457-9104 FAX

NORTH SYRACUSE OFFICE201 North Main StreetP.O. Box 156North Syracuse, NY 13212(315) 458-6543315-458-1105 FAX

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shops, we have special tools made specifically for Chrysler and factory training repairing these types of vehicles,” says Longley. He emphasizes that the technicians at Longley Dodge are better prepared to address people’s concerns because they specialize in servicing these models and have years of experience.

Longley Dodge is located at 1698 Route 57, just south of Fulton. They can be reached at 598-2135 or at www.longleydodge.com.

ExcEllEncE, JunE �4, �009/�ExcEllEncE - A mid-yEAr rEport

Time Warner Cable’s Central New York system reaches 100 high-definition channelsTime Warner Cable’s Central

New York Division has started of-fering its customers who receive its Syracuse-area lineup the ability to watch more than 100 high-defini-tion (“HD”) channels.

Advances in cable engineering, efficient use of cable’s high-capac-ity fiber-optic network and imple-mentation of digital processing tools have allowed Time Warner Cable to reach this 100+ channel milestone. The company has ac-complished this without needing to build an entirely new network or inconveniencing customers by digging up their front yards.

Time Warner Cable uses a cable technology called “switched digital

video” (SDV) along with a state-of-the-art transport network that maximizes available bandwidth to increase its number of networks, and also allows the company to offer its Road Runner high-speed data service and its Digital Phone service – its “triple-play” package called “All the Best.”

“Our customers with Digital Cable can get HD for free -- un-like satellite and Verizon’s FiOS TV,” said John Keib, President, Residential Services for Time War-ner Cable’s Northeast/National Region who added, “Time Warner Cable offers viewers the easiest transition to HD and the best value of any provider today.”

With the recent June 12 na-tional transition to digital-only broadcast television, many con-sumers have recently upgraded to HD-television sets to accomplish that transition.

“With more of our customers owning HD sets, we knew we needed to provide them the pro-gramming content that took full advantage of their TV sets and satisfied their growing demand for a better-quality viewing experi-ence,” Keib said.

“Fortunately, our investment in engineering and technology coin-cided with an explosion in avail-able HD content from our cable network partners,” he added, “and

that’s why we’ve been able to add nearly 50 new HD channels, in ad-dition to much new “on-demand” content in HD, since January 1st of this year.”

In addition to surpassing 100 HD channels, Time Warner Cable will soon begin delivering its own locally produced, exclusive-to-cable programming in high definition: its 24-hour local news channel News 10 Now and its Time Warner Cable Sports network, slated to launch in HD later this summer.

The company said it will reach the 100-HD-channel mark every-where in its Central New York Division (including the Southern Tier, the Utica/Rome area and

Northern New York systems) with the addition of additional HD channels later in June.

An HD-capable converter is required to receive HD program-ming available, at the same rate as a non-HD converter.)about time Warner Cable

Time Warner Cable is the second-largest cable operator in the U.S., with technologically advanced, well-clustered systems located in five geographic areas — New York State (including New York City), the Carolinas, Ohio, southern California (including Los Angeles) and Texas. Time Warner Cable serves more than 14 million

customers who subscribe to one or more of its video, high-speed data and voice services. Time Warner Cable Business Class offers a suite of phone, Internet, Ethernet and cable television services to busi-nesses of all sizes. Time Warner Cable Media Sales, the advertis-ing arm of Time Warner Cable, offers national, regional and local companies innovative advertising solutions that are targeted and af-fordable. More information about the services of Time Warner Cable is available at timewarnercable.com, twcbc.com and twcmediasa-les.com.

Grimsley helps to make insurance friendlyBy Melissa Renahan

Insurance is a tricky thing that most people know they should have, but aren’t quite sure of the details. There’s the type of coverage, the length of the policy, the cost and even which company will underwrite the policy to decide on.

For two decades, the Grimsley Agency located nearby on W. Taft Road, has been the kind of place that will answer those ques-tions. The agency serves as an in-termediary between clients and over 40 of the largest insurance companies in the country, like Erie, AIG and Travelers. The agency’s profit is based solely on commissions calculated off of percentages per policy, and there are no incentives offered to brokers to attract business to one particular company.

The brokers at Grimsley work with their clients (or as they are all quick to correct “for their clients”) to find the best cover-age at the best price based on each specific situation and in-dividual. Their commitment to customer service and attention to every last details has helped to make the Grimsley Agency one of the top agencies with most of the insurance companies they work with.

“Insurance is not something you can afford to guess on,” said Don Grimsley, owner and broker. He also stressed that it is important for people to do their own research before they even come in. Over 25 percent of policyholders file a claim each year; that statistic makes it even more important to know what your coverage actually includes and covers.

The agency boasts close to 10,000 clients and special -izes in auto, home, commercial and property/casualty policies. Commercial clients can include restaurants and strip malls, for which they are authorized to perform code inspections. While they do underwrite their own policies, it is typically only

in a worst case scenario – for example if the driver had two DUI’s and was unable to get coverage from any of the major carriers.

Grimsley, who was born and raised in Liverpool, describes his decision to start the business as sort of an accident. “My mom had been an agent and I sort of fell into it myself. That coupled with the desire to start my own business led to this agency.”

Grimsley described his role as being more personal then you’d assume of an insurance broker.

Though he runs the business, Grimsley still meets with many clients, though at this point, it is mostly the commercial ones. Not that family attention isn’t given - his brother and fellow agent David meets with most of the personal clients.

They also work closely with the Solvay school district, pro-viding grants for the “Looking Out” program, which is used to

demonstrate the perils of drunk driving.

Most new business comes from word of mouth, though Grimsley has developed some valuable relationships with real estate agents who can refer new clients and with apartment complexes, like Willow Stream, off of Route 57. There is also an additional branch in Watertown that deals primarily with policies on and for the residents of Fort Drum.

The Grimsley Agency follows normal Monday through Friday business hours, but true to the promise of working for their clients, brokers are available nights and weekends by appoint-ment. Furthermore, Grimsley promises, someone is always reachable.

“With us, there is someone there in case of a problem. Our clients are not left to handle things themselves,” he said.

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Sample Homeowners QuotesDWELLING $100,000 $150,000 $200,000 $300,00OTHER STRUCTURES $20,000 $30,000 $40,000 $60,000PERSONAL PROPERTY LOSS OF USE. $75,000 $112,500 $150,000 $225,000HOME & FAMILY LIABILITY $500,000 $500,000 $500,000 $500,000MEDICAL PAYMENTS $1,000 $1,000 $1,000 $1,000DEDUCTIBLE $500 $500 $1,000 $1,000ANNUAL PREMIUM $189.00 $252.00 $263.00 $404.00BASED ON A GUARANTEED REPLACEMENT COST HOME BUILT IN 2009 WITH HOME/AUTO DISCOUNT. Tier A, Rated quotes by ERIE Insurance Group.

GRIMSLEY AGENCY5320 W. Taft Rd., N. Syracuse, NY 13212 • Phone (315) 452-0123Fax (315) 458-4734 • (Next to Hinerwadels Clam Bake)Erie Insurance Group, home Office, Erie PA 16530 • (814) 870-2000 • www.erie-insurance.com

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