Classified Ads
Handyman
Wed Sep 19Summer is here! Do you need barn, fence, or property repair? I am a fellow horse owner and available to complete any task. No job is too big or too small. The safety and health of your horse is my top priority. Give me a call, text, or email: jamesdanielweeks@gmail.com (631)466-2936
You can post and download prize lists here
Wed Sep 19Now you can post your prize list right on our site. No charge for this service!
1. First you have to convert your prize list to a pdf. If you can’t do that yourself, send it to and I will try to do it for you.
2. Each show series should be entered at once, just keep adding dates. You can even go back later and change them.
3. After you enter the dates, go back and upload the prize list to each date.
4. Be patient- some prize lists are big files and take a long time to upload. If you get an error screen, hit your back button and refresh, then try again.
Having a problem? E-mail it to
Lessons in Photography in Commack
Tue Sep 19In my personal studio in Commack.
From beginners to those who want to reach a higher level - I teach the art of photography.
Have a new camera, and confused how to get the most out of it?
Love nature photography, or want to learn macro?
Birding?
Got kids?
I studied with the very best in children's photography.
Elena Shumanlova.
Want to learn the art of silky water and waterfalls ?
Shoot NYC at night like a pro?
Want to learn Photoshop?
Get your camera off Auto!
Learn RAW photography, and see why it makes a tremendous difference.
Reasonable rates.
$25.00 for a full hour.
No more than three people at a time.
Guided tours in the field also.
Kathy 631-864-1696
LONG ISLAND HORSE PROPERTIES
Sat Sep 19|
OVER 30 + YEARS EXPERIENCE Long Island Horse properties has knowledge of the banks who will fund your homes and purchases! Long Island Horse Properties is a full-service real estate company, we help you with every aspect of your purchase and sale. **Bankers who understand your needs, and the value of a horse property. Long Island Horse Properties has NO competition Our company has MANY listings exclusive only to us All of our homes are featured in our websites
Our Properties are sent into our nightly newsletter which reaches over 15,000 People each night. DO NOT BE FOOLED BY OTHERS CLAIMING TO BE HORSE PROPERTY SPECIALISTS - IT TAKES MANY YEARS IN THE INDUSTRY TO BE A SPECIALIST! We can provide you with any other agents listings ( Just ask). You may be surprised to find OTHER AGENTS do not have any at all or possibly one or two that are not even horse related homes. Make sure you do not sign and agreement that you are working exclusively with them. Do not sign any buyer's agency agreements! It may cost you a double commission. In most cases it does. Many buyer's this year had to pay double what they should have because of these new agents asking you to sign a buyer's agency disclosure ..........Please beware
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NEW HORSE PROPERTIES
Sat Sep 19NEW LISTINGS with barns on trails!!
EXCLUSIVE ONLY TO US AND OUR PRIVATE BUYERS
**OUR PRIVATE CUSTOMERS ARE SHOWN OUR EXCLUSIVE LISTINGS
* We do not share our private inventory with buyers agents
Long Island PARROT SOCIETY
Sat Sep 19
BELOW IS OUR WEBSITE:
ADOPT A BIRD
SEE OUR SHOWS
JOIN OUR CLUB
BIRD PET SITTING LIST ON OUR WEBSITE
631-957-1100
Click below to email us:
Private Mortgage Insurance explained
Sat Sep 19Private Mortgage Insurance (PMI)
If your down payment on a home is less than 20 percent of the appraised value or sale price, you must obtain private mortgage insurance, known as PMI, with your lender. This will enable you to obtain a mortgage with a lower down payment because your lender is now protected against any default on the loan.
PMI charges vary depending on the size of the down payment and the loan, but they typically amount to about one-half of 1 percent of the loan, according to the Mortgage Bankers Association of America. Mortgage insurance premiums are not tax deductible.
Example
Let's say you put down 10 percent or $10,000 on a $100,000 house. The lender multiplies the 90 percent loan, or $90,000, by .005. The result is an annual PMI of $450, which is divided into monthly payments of $37.50.
Most home buyers need PMI because 20 percent of the sale price on a home is a lot of money; for instance, that's $20,000 on a $100,000 home. Home buyers must maintain the PMI premiums until they cross that one-fifth-of-principal threshold, a process that can take years in longer-term mortgages.
Tip
Keep track of your payments on the principal of the mortgage. When you reach the point where the loan-to-value ratio hits 80 percent, notify the lender that it is time to discontinue the PMI premiums. The Homeowners Protection Act of 1998, which took effect in 1999, requires lenders to tell the buyer at closing how many years and months it will take for them to reach that 80 percent level and cancel PMI. Lenders must automatically cancel PMI when the balance hits 78 percent.
Note: The law does allow lenders to continue requiring PMI all the way down to 50 percent equity for so-called high-risk borrowers. Traditionally, those loans that are considered riskier include reduced documentation loans, in which customers provide less proof of income and other information during the approval process. Loans for people with spotty credit histories and higher debt-to-income ratios also fall into this category. Additionally, some FHA loans require payment of PMI throughout the entire life of the loan.
Ways to avoid PMI
In today's market, there are some new ways to avoid mortgage insurance even when you don't have the standard 20 percent down payment.
Pay more interest: Some lenders will waive the mortgage insurance requirement if the buyer accepts a higher interest rate on the mortgage loan. The rate increases generally range from .75 percent to 1 percent, depending on the down payment. The advantage is that mortgage interest is tax deductible.
Using an "80-10-10" loan: This program involves two loans and a 10 percent down payment. The 90 percent loan is financed with a first mortgage equal to 80 percent of the sale price, and a second mortgage for the remaining 10 percent of the sale price. The second mortgage has a higher interest rate but since it applies to only 10 percent of the total loan, the monthly payments on the two mortgages are still lower than paying one mortgage with mortgage insurance. Plus, again, there is the advantage of mortgage interest being tax deductible.
Example: If we compare the purchase of a $100,000 home under the "80-10-10" plan with a standard fixed mortgage including PMI, we find that the former is $17.45 cheaper each month.
Here's how it works. Under the "80-10-10" plan, the 10 percent down payment on a $100,000 house is $10,000. The first mortgage is $80,000 at 7.50 percent, which comes to a monthly payment of $559. The second mortgage for $10,000 has a 9.50 percent interest rate, making a monthly payment of $84. Total monthly payments of the two loans: $643.
With a $10,000 down payment, one mortgage of $90,000 at 7.50 percent has a monthly payment of $629, plus PMI of $31.45, making a total payment of $660.45.
Sharyn Guzzi
631-902-0342
LI EQUINE Price Chart
Sat Sep 19
Horses Advertisements:
$50 for two months
$70 for three months
$90 for four months
Business Classifieds:
(Tack Shops, Veterinarians, Hay & Feed Supplies, Farriers, Equine Services, Equine Products)
$35 for one month
$90 for three months
$150 for six months
$260 for twelve months
Item/Employment:
$30 for one month
$55 for two months
$150 for six months
Editing of Changing Any Ads: $5
One Time Fee For Links (Including Youtube Links For Horses): $10
Items That Are Under $100 Dollars Can Be Placed In The Bargain Barn Section Of The Message Boards.
Please Do Not Hesitate To Contact Our Office To Assist You With Placing, Renewing, Or Changing Your Ad!
631-979-2965
CLICK HERE TO ADVERTISE WITH US
HARBOR CARTING CORP.
Sat Sep 19HAVING PROBLEMS WITH YOUR MANURE REMOVAL?
Harbor Carting Will Solve That!! We specialize in Manure Removal and are able to service any farm and homeowner. We have a variety of containers and sizes to accomodate all. We provide weekly manure service. "Big enough to service you, and small enough to care!" Serving Nassau and Suffolk Counties. Friendly and Reliable Service. Harbor Carting Corp. Jericho Turnpike, Huntington NY
631-499-3431 Fax: 631-462-9878
* WE ALSO PROVIDE BOBCAT SERVICE TO CLEAN-UP AND REMOVE MANURE PILES.
Local Farmer's Markets
Fri Sep 19Montauk
Montauk Village Green
9:00 am–2:00 pm
631-668-2428
https://www.montaukchamber.com/events_id.html&key=0972
Fridays
Greenport
414 First Street
3:00-7:00 pm
www.greenportfarmersmarket.com/
Saturdays
Northport
Northport
Cow Harbor parking lot
8:00 am–noon
(No market September 16)
https://northportfarmersmarket.org/
Port Washington
Town Dock
8:00 am–noon
https://www.localharvest.org/port-washington-farmers-market-M4502
Sag Harbor
Corner of Bay and Burke Streets
9:00 am–1:00 pm
https://www.facebook.com/sagharborfarmersmarket/
Greenport
414 First Street
9:00 am–1:00 pm
www.greenportfarmersmarket.com/
Sundays
Port Jefferson
Harborfront Park
9:00 am–2:00 pm
https://portjeff.com/port-jeff-farmers-market/
