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Why Car Washes Are Important
Taking care of a vehicle involves more than just maintaining the equipment under the hood. Car washes keep a vehicle shiny and clean, which can help it look good while sitting in the driveway or cruising the highway. However, regular car washes are more than cosmetic.
• Protection from the sun: A car that is routinely and properly washed and waxed is less vulnerable to damage from the sun’s ultraviolet rays.
• Extend the life of paint: Dirt and debris can build up on the paint surface and eventually lead to scratches and other damage. Bird droppings and sap can be corrosive. Washing will help remove grime and protect the paint in the process.
Expenses To Expect Upon Buying A Home
H• Preserve the vehicle’s value: Drivers who plan to sell or trade in their vehicles in the future should realize that a wellmaintained car can bring in as much as 20 percent more for above-average condition, according to Kelley Blue Book. Maintaining a clean and shiny vehicle can protect its long-term value.
• Remove salt: Drivers who live near the ocean or in areas where roads are salted in the winter to melt snow may have cars with high salt corrosion rates. Unless it’s washed off frequently, salt can take its toll, leading to damage.
• Improve fuel efficiency: Drivers have felt pain in their wallets at the fuel pump in recent years. Dirty cars may be less aerodynamic and less fuel-efficient as a result. Keeping a car clean may improve its fuel efficiency.
• Maintain the interior: Car washes are not only about the exterior. Keeping a clean and tidy interior can help improve the air quality inside of the vehicle and prolong the life of upholstery, mats and interior components.
omeownership is often characterized as a fulfillment of a dream. Indeed, many homeowners feel their ability to buy a home is a reflection of their discipline and commitment to saving money. That discipline and dedication can set homeowners up for long-term financial health, providing a unique sense of security along the way. First-time home buyers may not know what to expect upon buying a home, and since each home is unique, it’s impossible for even long-time homeowners to say with certainty exactly how things will unfold once those new to home ownership get the keys to their first house. Various expenses might be the only common variable when it comes to homeownership, and some of those expenses may surprise first-time buyers. With that in mind, the following are some expenses first-time buyers can expect once their offers are accepted.
• Down payment: Conventional wisdom long suggested home buyers should submit a down payment of at least 20 percent of the overall purchase price upon buying a home. Buyers who want to follow that advice would need a down payment of $80,000 when buying a
$400,000 home. But many home buyers now submit down payments considerably less than 20 percent, particularly in the modern real estate market, which is characterized by high prices and low inventory. The lower the down payment, the higher your monthly mortgage payment will be, so it’s best to save as much as possible toward a down payment.
• Primary mortgage insurance (PMI):
Buyers who cannot come up with a down payment of 20 percent or more will have to pay for primary mortgage insurance, which is typically a set fee that is incorporated into the mortgage payment each month. PMI fees are typically waived once the balance on the mortgage reaches 79 percent or less of the purchase price, though some lenders may waive PMI prior to that if the value of the home increases considerably before the loan balance reaches the predetermined marker.
• Closing costs: The amount of closing costs varies widely depending on a host of variables, but Bankrate. com notes it’s not uncommon for these costs to come in at somewhere between 2 and
5 percent of the loan principal. Closing costs must be paid no later than when the sale becomes official and buyers sign on the (many) dotted lines. Application and credit fees, title fees, underwriting fees, appraisal fees, and transfer tax are among the various fees that fall under the umbrella of closing costs.
• Moving: It’s also important that first-time home buyers budget for moving costs. Moving costs vary and may depend on how much buyers already own and how far they’re moving. The home renovation experts at Angi estimate that local moves typically cost somewhere between $883 and $2,568, while long-distance moves may run buyers anywhere from $2,700 to $10,000 or more. These costs are some of the upfront fees aspiring homeowners can expect when buying a home. Longterm costs, including homeowners’ insurance (which is separate from PMI), property taxes, homeowners’ association fees, and maintenance are some additional expenses buyers can plan for as they try to determine their home buying budgets.
OCTOBER HAPPENINGS
WEDNESDAY, OCT. 15th
7:00PM-9:00PM
THE DEVIL IN NEW YORKTHE WITCHCRAFT TRIAL OF GOODY GARLICK
The Historical Society of Islip Hamlet will host Tara Rider and her presentation "The Devil in New York - The Witchcraft Trial of Goody Garlick". The program will be held at the Islip Public Library, 71 Monell Ave. Free and open to the public. For more information on this, their 2026 Holiday House Tour or to become a member, visit www. isliphamlethistory.org, or call 631559-2915
FRIDAY, OCT. 17th
SATURDAY, OCT. 18th
6:00PM-9:00PM SPOOKTACTULAR
Enjoy eerie animal presentations, a ghostly graveyard, creepy games, scary music, and spooky night trails. Great for ghouls 7 years and up. Food Truck refreshments available for purchase! 10/17 Box Car Burgers, 10/18 Krazy Knish. Sweetbriar Nature Center - ECSS, 62 Eckernkamp Drive in Smithtown. For more information, please call 631-979-6344
SATURDAY, OCT. 18th
9:00AM-5:00PM
PARROT EXPO
Sayville VFW POST 433
400 Lakeland Avenue in Sayville. Long Island’s only major exotic bird event boasts a full day of shopping, raffles, fun and education for pet bird lovers! For more information, please call 631-957-1100
HOLIDAYS
13th - COLUMBUS DAY
INDIGENOUS PEOPLES' DAY 31st - HALLOWEEN
MAKE A SUBMISSION! Events must be submitted at least two weeks prior to the event date and will run free of charge on a space available basis. For more information, please call 631.226.2636 x275 or send events to editorial@longislandmediagroup.com
10:00AM-3:00PM
ST. PATRICK’S CHURCH
THRIFT SHOP / YARD SALE
(Rain or Shine) Thrift Shop Special Event “Pack A Bag” ($5.00) many new items in all categories, Rent A Table - $25.00. 305 Carll’s Path in Deer Park. For more information, please call 631-242-7530
10:00AM-4:00PM
HARVEST CRAFT FESTIVAL & YARD SALE
Our Redeemer Lutheran Church, 2025 Washington Avenue in Seaford. Local craft vendors, Congregational Yard Sale, pumpkin patch, painting, mums for sale, raffles, music & much more. For more information, please call 516-781-6374, office@ ourredeemerlutheran.church
10:00AM-8:00PM
BLESSING OF THE ANIMALS
All are welcome! Grace United Methodist Church, 515 S. Wellwood Ave. in Lindenhurst. For more information, please call 631-2268690, gumc.lindy@gmail.com
2:00PM
HALLOWEEN FAMILY FUN DAY
The annual Halloween Family Fun Day held in Lindenshurst features face painting, games, hay rides, pony rides, hot cocoa and more. This event is co-chaired by the Village of Lindenhurst, Mayor's Beautification Society, Rotary Club of Lindenhurst, Lindenhurst Fire Department, and the Lindenhurst Moose Club. Rain date: October 19. For more information, please call 631-957-7500
7:00PM-11:00PM
HARVEST MOON DANCE
The Knights of Columbus #11968 will be holding a Harvest Moon Dance at Our Lady of Grace Church, Father Shanahan Hall located at 666 Albin Ave. in West Babylon. For more information, please call Rob 631-7470147 or Dave 631- 357-0188.
SUNDAY, OCT. 19th
1:00PM-5:00PM
WADE BURNS VFW 7279
PSYCHIC ENLIGHTENING
Admission: $55.00 includes Psychic Christopher Allen, light lunch, beer, wine, soda and cake. Wade Burns VFW 7279 560N. Delaware Ave. in Lindenhurst. For more information, please contact 631-965- 6459
FRIDAY, OCT. 24th
DOORS OPEN 6:00PM
BINGO STARTS 7:00PM WEST ISLIP FIRE DEPT LADIES AUX
MUSIC BINGO FUND RAISER
West Islip Fire Dept. 309 Union Blvd West in Islip. Tickets $20 extra cards for sale, 50/50, Lotto board. Raffle baskets. for more information and for tickets, please call 516-318-530. Light food for purchase. Donate a non perishable item for a ticket to a special raffle
6:30PM-8:00PM
HAUNTED HIKES
Garden City Bird Sanctuary, 182 Tanners Pond Rd. in Garden City. Long Islands favorite family Haunted Hike is back. With both Scary and not so scary walks (on separate trails) a maze and some fun photo opportunities. For more information, please visit https:// thegcbs.org/gcbs-home
Realestate has long been touted as a worthy long-term investment. With that conventional wisdom in mind, young adults often make buying a home one of their first bigticket purchases. Though real estate remains a potentially lucrative investment, the market for homes has been difficult to navigate for several years running.
High mortgage interest rates and low inventory have left many buyers feeling priced out of the real estate market. Others may find the competitive nature of the modern real estate market too stressful. No one can predict if or when the real estate market might be less
How To Navigate A Challenging Real Estate Market
challenging, but the following are some ways those looking for a house can navigate that process.
• Ready your finances. It goes without saying that prospective buyers must get their financial affairs in order before they begin shopping for a house. But finding a home in the current market takes time, and some buyers might have let their mortgage preapproval letter expire without realizing it. Others might have experienced a dip in their credit rating as they turned to credit cards to confront inflation. That means buyers who began looking for a home
months or even years ago might not be positioned to buy now, should they find a home to their liking. Revisit your finances if it’s been a while. Pay off any consumer debt that has accumulated in recent months and reapply for mortgage preapproval if necessary.
• Be ready to pounce.
Data from the National Association of Realtors
found that the average home spent 32 days on the market before being sold in November of 2024, which was a full week longer than a year earlier. That’s good news for buyers, but it still means buyers must be ready to pounce if they find a home and a home price to their liking.
• Hire a real estate agent. The hectic pace
of the modern real estate market can be difficult for anyone to keep up with. But real estate agents keep up with the market for a living, and they can be invaluable resources for buyers whose commitments to work and family are making it difficult to keep pace.
• Emphasize long-term growth and value when assessing properties. According to Zillow, the median list price of homes in the United States was just under $387,000 by the end of January 2025. But buyers must also recognize that 22.4 percent of homes sold above list price in that month, according to a Redfin
analysis of MLS data and/or public records. Buying a home is more than an investment in a property. It’s also, in some way, an investment in the town where the home is located and in a homeowner’s future. So while it can be tempting to buy a home with the lowest asking price, homebuyers should also seek homes that figure to experience the best long-term growth in value.
Homes situated in safe and welcoming towns with good schools are arguably a better investment than homes with lower sticker prices but no such amenities.
Paul J. Bellew Students Sample New Stories
On Oct. 3, students at Paul J. Bellew Elementary School in the West Islip Union Free School District participated in a book tasting event designed to spark their interest in reading and help them discover new favorite genres and authors.
Transforming the room into a cozy café, reading
teacher Ms. Kaulfers set up tables with a variety of books from different genres — including informational, fairytales, fables, fiction and animals. First grade students, working with their third grade buddies, “sampled” each book by spending a few minutes reading, jotting down their first impressions,
and reflecting on whether they’d like to “check it out for the full course.”
The event encouraged students to step outside their reading comfort zones while practicing critical thinking and discussion skills. Many students left excited to continue reading their “top picks” from the tasting.
First grade students, alongside their third grade buddies, at Paul J. Bellew Elementary School in the West Islip Union Free School District recently participated in a book tasting event. Photo courtesy of West Islip Union Free School District
Donating Blood
The Foods You Eat Could Affect Whether Or Not You Can Donate
The foods a person eats before attempting to donate blood could affect whether or not he or she is allowed to donate. According to the American Red Cross, its staff members routinely check the level of hemoglobin in donors’ blood and platelets before they accept donations. Hemoglobin is
a protein in the body that contains iron and gives blood its distinctive red color. Hemoglobin plays a vital role in human health, carrying oxygen from the lungs to nourish all of the tissues in the body. Hemoglobin levels are checked using fingersticks, and if hemoglobin levels are low, then donors will
be asked to wait to donate until their levels return to normal. So what does food have to do with hemoglobin? Iron is a part of hemoglobin and found in many of the foods a person eats. Iron helps people maintain their strength and energy, and it’s also necessary to help the body make new blood
cells to replace the ones that are lost through blood donations. The Red Cross encourages prospective donors to eat healthy foods that are rich in iron and high in vitamin C, as doing so can increase their chances of being accepted as blood donors and can aid in their recoveries after donating.
Eagle Scout Project Unveiled
An Eagle Scout Project by Eric Schwarz of Troop 179 was unveiled on October 4th at the Weeks Muncy Cemetery in West Islip. The project, coordinated with West Islip Historical Society & Sons of the American Revolution, included site cleanup, gravestone cleaning, and installation of planter boxes. Members of the West Islip Historical Society, Local Officials, the Town of Islip Historian, Sons of the American Revolution, American Legion, and Descendants participated in the event honoring Revolutionary War Patriots, Isaac Muncy and David Ruland, who are buried there. Troop 179 Bugler, Ryan Lidonecci, played a moving rendition of TAPS to end the ceremony.
Applications Now Being Accepted For The Fourleaf Federal Credit Union Scholarship Program
How To Boost Home Value Before Selling
People considering buying or selling a home are facing a unique market. The real estate market has been in flux for several years, and high interest rates have made it more expensive to borrow.
The Mortgage Bankers Association is projecting that 30-year mortgage rates will level out to 6.5 percent for the forseeable future. That means that people who have been waiting for changes in the real estate market could be disappointed, and hesitant buyers may finally just bite the bullet and buy even if mortgage rates are not where they hoped they’d be in 2025. Homeowners with properties they are considering listing for sale would be wise to make certain changes that will help garner the best prices from buyers. Make kitchen and bath improvements
The kitchen is the heart of many homes. Real estate agents may recommend that homeowners make minor to moderate kitchen upgrades like resurfacing cabinets,
upgrading countertops and changing fixtures or hardware to give the room an overhaul.
Homeowners also should look to bathroom updates as smart investments that can improve home value.
Katie Severance, author of The Brilliant Home Buyer, characterizes kitchens and baths as “money rooms” that add the most value to a home.
Declutter the home
Homeowners should clean out items they no longer need.
Decluttering can make a space feel bigger, which is beneficial in a market where open concept floor plans remain popular among home buyers.
When buyers walk through a prospective home, they want to envision themselves living there, something that is more easily done if the home isn’t overrun with the current homeowner’s belongings.
Get to painting
Painting a home is a cost-effective renovation
with a lot of oomph. Freshly painted rooms appear clean and updated, says HGTV, and that can appeal to buyers. Homeowners should choose neutral colors to accommodate the widest array of potential buyers.
Improve the landscaping
The exterior of a home is the first thing potential buyers will see as they roll up to view a property or look at a listing online. Homeowners should start by evaluating and enhancing the landscaping. Ensure the lawn is well-maintained and add plants that provide color without a lot of maintenance.
Expand usable space
Homeowners can think about adding to the usable space in a home. This translates into finishing basements or attics or even converting garages to rooms. Or it may involve adding a threeseason room.
Homeowners can consider a number of improvements to increase the resale value of their properties.
FourLeaf Federal Credit Union recently announced that applications for its annual Scholarship Program are now open. High school seniors are invited to apply for financial assistance as they prepare for college. Designed to support hardworking, communityminded students, the program provides awards that can help offset the rising costs of tuition, books, and other college expenses.
“Our scholarships are one way we can help ease the financial burden on families while encouraging students to pursue their dreams,” shared Kimberly Ruiz, Manager Community Engagement New Markets. “Each year, we proudly award 10
accomplished students, knowing that investing in young people is an investment in the future of our communities.”
To apply, please visit; https://www.fourleaffcu. com/community/ education-scholarships/.
The 2026 Scholarship Program application deadline date is Friday, January 9, 2026 (no late submissions are accepted).
Oquenock Students Step Up For Walk To School Day
laced up their sneakers on Oct. 7 for Walk to School
The initiative, part of the international Walk to School Day movement, encouraged students to start their day with physical activity while promoting pedestrian safety, environmental awareness and community connections. Families gathered at a designated meeting point before walking or biking together to school, creating a festive atmosphere that transformed the morning commute into a celebration. The event aligns with the school’s ongoing commitment to student wellness and community engagement.
Oquenock Elementary School in the West Islip Union Free School District celebrated Walk to School Day by biking or walking to school on Oct. 7. Photo courtesy of West Islip Union
School
Did You Know?
could be having a moment among modern home buyers. According to the real estate experts at Zillow, the term “cozy” appeared in 35 percent more real estate listings in 2024 than in 2023. Though various components can help to create a cozy vibe inside a home, wood has long been a go-to material when interior designers attempt to add warmth to a property. The home renovation experts at Houzz also cite wood-infused architectural warmth among its 10 most popular home trends in the coming year. Homeowners who want to capitalize on this trend before putting their homes on the market or those who simply love the idea of adding more wood-based warmth in their homes can consider installing ceiling beams, wood wall paneling or even wood trim throughout their homes.
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BUYING? SELLI NG? RENTING? Place your ad in the Classifieds. 631-226-2636 Ext. 276
YOUR BUSINESS and not sure how to get started? Call today and one of our experienced Sa les Representatives will assist you. We c an help you with a lin e ad or a di splay ad. Let us at SOUTH BAY'S NEIGHBOR NEWS PAPE RS set up an adv ertising program for you. Y ou'll be glad you di d! Call 631-226-2636, ext. 276
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Lisa Locorriere
Local Expertise. Elevated Marketing. Exceptional Results.
Lisa Locorriere combines deep local knowledge with a sophisticated marketing approach to deliver unmatched results.
From waterfront estates to family homes, Lisa understands the market, the community, and what it takes to help her clients succeed.
When you work with Lisa, you’re not just hiring a realtor — you’re partnering with a neighbor who lives here, sells here, and truly cares about your next move.
Let’s connect!
Thephrase “bigger is better” has endured for quite some time. Though it may be impossible to pinpoint precisely who coined the phrase, its lesson that larger things tend to be more valuable than smaller alternatives is applicable in numerous situations. No adage applies to every situation, and in some instances, people may find that bigger is not better.
Downsizing is an approach many individuals consider after turning 50. Parents who are empty nesters and others nearing retirement may wonder if the time is right to downsize from their current homes. Though that’s a strategy millions of people have
adopted over time, the decision is not always so simple. Individuals over 50 who are trying to determine if downsizing is right for them can consider a host of factors before making a decision.
• Monthly housing expenses: Before downsizing their homes, individuals should determine just how much they’re currently spending on housing. Individuals who have fixed-rate mortgages likely know the amount of their monthly mortgage payment, but what about maintenance? Home maintenance expenses fluctuate, but a careful examination of the previous 12
How To Determine If The Time Is Right To Downsize
months’ expenditures can give homeowners an idea of just how much they’re spending to maintain their properties. The number may be eye-opening, as Thumbtack’s “Home Care Price Index” released in the third quarter of 2024 revealed that the average annual cost to maintain a single-family home reached an alltime high of $10,433. If such expenses are preventing
homeowners from building their retirement nest eggs, then it might be time to seek alternative housing.
• Real estate prices: Real estate prices have skyrocketed in recent years, which can be both good and bad for current homeowners considering downsizing. Many people who downsize look to move from a single-family home into a condominium, where
maintenance tasks are typically handled by a homeowners’ association (HOA). Such communities typically charge HOA fees, which can be minimal or considerable. In addition, the price of condominiums has risen in recent years, with the lender New American Funding reporting in early 2024 that the median sale price of a condo reached $341,000. So homeowners who want to downsize their homes may end up taking most of the profit from selling their current properties and reinvesting it in a costly condo. Some may deem that worthwhile, while others may
find the cost savings of downsizing in the current market are negligible.
• Emotional attachment: Downsizing may be considered with cost savings in mind, but it’s important to consider your emotional attachment to your current home. Many homeowners over 50 raised their families in their current homes, and letting go of a property where so many memories were made can be difficult. Homeowners who are not prepared to move on from properties that are meaningful to them and their families can consider additional ways to downsize their financial obligations.
