OUR TOWNE
Your Hometown community resource
September 2013 2013
OUR TOWNE
Owner/Publisher/ Editor/ Sales/Design
SOUTHERN RENSSELAER & NORTHERN COLUMBIA COUNTIES
Jennifer Felts 518-380-1279
www.ourtownerensco.com felts66@yahoo.com
SEPTEMBER 2013 Dear Our Towne Readers, It is hard to believe that this is my one year anniversary owning Our Towne! What a year it has been for me! Last year at this time I was super excited, stressed and anxious starting my new adventure as the publisher and owner of Our Towne. It has been a wonderful journey and I have learned so very much about this business and our community. I am so glad I took a risk and challenged myself with this new career. It has been truly an amazing year. Meeting business owners in the Our Towne community has been exciting,interesting, educational and so very rewarding. However, I could not have succeed this year without the support of my family. My Dad, in particular, has been supporting me and helping out with anything and everything I have needed. He is out there meeting potential advertisers, utilizing his skills in sales. Behind the scenes, he is always there to offer advice, brainstorm ideas and help me to see the big picture. If you have met him, you can tell how much faith he has in me and Our Towne. I can say for sure that without his support, I would not have had such a successful year. Thank you, Dad! For all of the families gearing up for the start of school, I wish you good luck! It is always so exciting to start the new year. The mix of butterflies and excitement takes over our house! Our daughters are busy picking a few activities for enrichment and exercise. My husband and I are busy keeping the choices limited & realistic, so we can maintain some quality family time each week! There are many wonderful events going on around Our Towne. The Our Towne advertisers need your support - They CAN”T survive without our business. And please don’t forget to let them know you read about them in Our Towne Jennifer Felts
Contributors DR. PATRICK BERGMANN DR. JOE LAPINSKI VINCE COPPOLA CATHERINE GRAZIANO PAUL SLEASMAN STEVE NOEL
DEAR ANGIE DARYL BART PATRICK CIRAULO LINDA JOHNSON, ESQ Lisa Dietrich, DVM Kenneth Lane
OUR TOWNE’S MISSION: OUR TOWNE
SEEKS TO CONNECT LOCAL BUSINESSES
TO LOCAL CONSUMERS BY HIGHLIGHTING THE BEST OF WHAT
SOUTHERN RENSSELAER
COLUMBIA COUNTIES 20
AND
NORTHERN
HAVE TO OFFER.
PERCENT OF THIS MAGAZINE IS DONATED BACK TO THE
COMMUNITY FOR MARKETING
.
&
ANNOUNCING EVENTS.
DISTRIBUTION 18,000 16,500 COPIES MAILED TO HOMES AND BUSINESSES IN: SCHODACK, CASTLETON, NASSAU, VALATIE, KINDERHOOK, WEST SAND LAKE, AVERILL PARK, EAST GREENBUSH, RENSSELAER & NORTH GREENBUSH.
1,500
Plus
Placed in high traffic locations around Communities in Our Towne
All Rights Reserved ~ Our Towne is published by Our Towne Marketing & Consulting LLC.
3 LYNCH AVENUE, CASTLETON, NY 12033 PRINTED MONTHLY & DISTRIBUTED FREE OF CHARGE VIEW CURRENT & PAST EDITIONS ONLINE AT: WWW.OURTOWNERENSCO.COM
The Our Towne Spotlight Shines On... Country Sweeps Chimney Service Tom DeLisle started Country Sweeps Chimney Service in 1990 in the community that he grew up in. As a lifelong resident of Schodack and graduate of Maple Hill High School, Tom wanted to have a career that would allow him to work outside, interact with people and also be able to focus on his family life. So what could be more rewarding than to have your son join you in the business? Tom’s son, Jeff, now works alongside his Dad at Country Sweeps Chimney Services. Serving Rensselaer & Columbia county residents and businesses for over 20 years has certainly made him one of the most experienced in the business. By looking at his before & after photos, you can see that their work beautifies any structure. But Tom notes that his ultimate goal is safety. When he meets with potential customers, he will not do any work that isn’t necessary. Tom states that “if it’s not dirty, I won’t clean it! And I certainly won’t use scare tactics to get more business.” Tom & Jeff will simply inspect your structure and give their professional opinion. Ultimately the customer has to live with the choice they make when it comes to cleaning and maintaining their chimney. When Tom & Jeff give a free consultation and estimate, they also educate the homeowner on chimney care and maintenance. They even offer payment plans without interest and their work is fully insured. In addition to chimney cleaning and repair, Tom & Jeff install cultured stone. Cultured stone can be applied to any flat surface- around a fireplace, foundation or outside of a house. Looking at the photos to the right, you can see what an impact the stone makes around a fireplace or on a outdoor wall. In addition, Country Sweeps sells woodstoves and wood burning fireplaces. If you have always wanted a fireplace, they can build one for you. Now is the time to call for a free consultation. To ensure safety, chimney care & cleaning should be done in the fall, before the burning season begins. To view more photos, you can check out Country Sweeps Chimney Service on Facebook. Tom can be reached at 518-7322824 to set up a free estimate.
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After Our Towne Rensselaer County ~ Jennifer Felts~518-380-1279
3
CERTIFIED USED CARS
2005 Jeep Liberty Limited 4WD SUNROOF LEATHER V6 ONLY $8,995 116,242 miles
2007 Chevrolet HHR LT1 $10,900 Mileage: 60,620 miles
2011 Chevrolet Cruze 2LS $11,995 66,827 miles
2007 Nissan Murano S AWD *** 75K *** $14,995
2008 Toyota Corolla LE $11,995 56,365 miles
2007 Honda CR-V EX 4WD $14,995 79,083 miles
Call today for details! 477-7500 Our Towne Rensselaer County ~ Jennifer Felts~518-380-1279
5
GREAT PRICES ON HEATING FUEL Ask About 100 Gallons of FREE FUEL!!
24 Hour Service
Some Restrictions Apply!
Heating System Installation
Call Now for Great Pre-Paid & Fixed Pricing on Heating Fuel for the Upcoming Winter Season!
www.hlfuel.com ~ Route 20 ~ West Lebanon
Fuel Delivery Monday-Friday 8:00-4:00 Mon-Fri 8am-5pm
518-794-9066 877-794-9066
Paper Crafters Unlimited Visit the ONLY Store in the Capital District for Card Making & Scrapbooking Supplies
Every Tuesday Evening from 6-8:30. Create 4 greeting cards for $15.00 Saturday, September 7th 10:30-1:00 MEDIUMS- Fun Techniques using different mediums to make 3 cards Cost is $15.00 Please bring your own double sided adhesive tape & dress accordingly. It can get messy! Saturday, September 14th from 10-5 All Day Scrapbook Crop! NO CHARGE, but please bring a dish to share Saturday, September 21st from 10-4 USED STAMP & CRAFT SUPPLIES SALE. If you would like to rent a table to sell your unwanted items, the cost is $10.00 a table. You must stay with your table and collect payments Saturday, September 28th Paper House Productions 10:30-12:00. Cost is $12.00. All supplies included except for double sided adhesive. Using Paper House supplies, you will create a scrapbook layout and a greeting card. SPECIAL ~ Purchase $15.00 or more in Paper House products and receive a free item from Paper House.
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Our Towne Rensselaer County ~ Jennifer Felts~518-380-1279
7
CERTIFIED COLLISION REPAIR CENTER Buds Florist and Greenhouse Set up your wedding consultation today!
QUALITY SERVICE
We Work With All Insurance Companies LIFETIMEWarranty WARRANTY Lifetime 766-4004 WE HAVE RENTAL CARS PICK UP & DELIVERY TOWING
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Rental Car ~ Pick Up Service ~ Delivery ~ Towing Route 20 Nassau ~ 3 1/2 miles east of 9 & 20 Junction Sunshine Auto Rental Available at JETS!
Hardy Mums & Fall Patio Planters Asters, Decorative Cabbage & Kale
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(518) 732-7563~ 1-800-437-8527~ (518) 732-7009 fax www.budsfloristandghes.com
A Different “55 & Better” Active Adult Rental Community What our residents are saying:
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By Nassau Veterinary Clinic, PLLC
What’s the TICK fuss? There are many ticks in our region of the country, but the most common—the deer tick (Ixodes Scapularis), Brown dog tick (Rhipicephalus sanguinous) and the American dog tick or Wood tick (Dermacentor Variablis)—are vectors of some very serious diseases. One disease is Lyme. Lyme disease is a bacterium that can infect most mammals. It is spread by the deer tick after it attaches and sucks blood from the primary host, which is usually a deer or mouse. It can also infect humans, dogs, horses and occasionally cats and cows. Most of the diseases are spread by the deer ticks, which can range in size from a small dot to 1/3 inch. The size of the tick does not determine which species it is; so, it must be identified by characteristic markings on the shell, mouth pinchers or feet. Since the tick usually has to be attached and feeding on the host for at least 24 hours, there is a chance that early removal can prevent the spread of the Lyme bacteria. Lyme disease can also be prevented up to 85% of the time in dogs by a vaccination. It requires multiple boosters and then is given yearly. Typical symptoms of Lyme disease are fever, joint swelling, pain and lethargy. The pet may become neurological or develop kidney or heart failure if left untreated for a long time. Anaplasmosis is another infection from ticks that can lead to serious anemia, bleeding due to platelet inhibition, lameness and fever. It can be transmitted in much less time than Lyme and there is no vaccine against the organism; so, we are currently seeing more cases of Anaplasmosis than Lyme. If treated early, the prognosis is excellent and can cure the disease. However, the pet may be re-infected at any time. Ehrlichia Canis or Platys are diseases that can also lead to bleeding disorders due to the destruction of platelets or blood cells. It is common in the south and there are more cases in Massachusetts and the Hudson Valley than Rensselaer County. Ehrlichia can be treated in the early stages, but once it is present for a long time, the dog may exhibit intermittent signs for several years. These can include pale gums, lethargy, fever and malaise. Ticks are best prevented by topical medications that repel and kill ticks, like Advantix and Vectra, a topical treatment for dogs, and Soresto collars for cats. Frontline will kill ticks, but does not repel them. Our office carries all of these products. You can discuss with your veterinarian which one is best for your pets. Fortunately, we can screen canine patients yearly for early detection of tick diseases with a quick in-house blood test called 4DX. Most of the tick diseases are treated with Doxycycline, Tetracycline or Minocycline. Lyme can also respond to Amoxicillin, Clavamox or other penicillin-like drugs. Treatment is usually for 4 weeks, although a co-infection with two or more tick diseases may range from 6 to 8 weeks. Prevention is best, however; early detection may lead to a cure or less serious symptoms of tick diseases. Written by Lisa Dietrich, DVM. Dr. Dietrich has co-owned Nassau Veterinary Clinic since 1987, but she has a lifelong relationship with it. Her father joined the clinic in 1956, eventually owning it. He retired in 1992. Dr. Dietrich is a graduate of Cornell University. Our Towne Rensselaer County ~ Jennifer Felts~518-380-1279
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The other day I met a new patient. Her initial exam was a pleasant experience for both of us. She’s 43, with no cavities or defects, no signs of periodontal disease. A great visit. I started to discuss my findings & she said “Dr. I don’t like my smile.” In most situations, as a General Dentist, I ride the line of a patient’s needs & wants. I diagnose & fix problems: some hidden, some obvious, others painful or not bothersome at all. But one of the questions I always ask a patient is whether they like their smile or would change anything. Most of the time, folks like their smiles, but sometimes the answer is a definite no. It was clearly difficult for her to admit this to me, someone she had just met. I was thankful that she trusted me enough to voice her concerns because I can’t help without knowing the problem. Clinically, this patient only needs a check-up in 6 months. However, her wants included seeing herself differently. So in that moment, I put away my practical hat, and filed away the old adage…“If it Ain’t Broke…” because ultimately, even if there is no functional or medical problem, if she hates it, then it’s broken. I approached her case, as all cases, by first talking about her vision and then proposing a plan to get her, at whatever pace, to the results she wants. We’re often last on our own list. Kids get the braces, the house gets painted & so many other things come ahead of something elective. But we greet the world with our smile for a lifetime, & she didn’t want to wait any more. After 20+ years of being a dentist, I know I can comfortably present a variety of solutions for my patients that are considering reshaping, replacing, repositioning and repairing their smiles either by myself or coordinating with other specialists. I know my patient was thrilled that she spoke up, that I heard her and we could plan for her treatment – and even though she said she didn’t like her smile – she left with a grin. Visit our website for photos of these and other procedures. www.LapinskiDental.com or www.ADA.org for many dental topics. Email me at DrJoe@LapinskiDental.com
DEADLINE FOR ADVERTISING & COMMUNITY EVENTS IS THE 20TH OF THE MONTH CALL JENNIFER FELTS AT 518-380-1279 OR E-MAIL FELTS66@YAHOO.COM WWW.OURTOWNERENSCO.COM
A Contractor’s Advice by Paul J Sleasman of HRS Construction, Inc.
What should I look for in a contractor for my home? Experience - Be sure the company that you hire has many years of experience and can handle any condition that may occur in your home. HRS Construction is about to enter its 15th year in business. In addition, the three partners at HRS Construction have many additional years of experience prior to the nearly fifteen they have been together here on Columbia Turnpike. We feel that our teams of carpenters and helpers are the best around. They are highly skilled, strive for perfection, and leave your home clean when finished. The owners and workers of HRS Construction take great pride in your project being well done. Insurance – Workers Compensation Insurance and General Liability Insurance are a must. Some contractors may only carry General Liability Insurance. You should always ask for insurance certificates from your contractor. HRS Construction of course carries both Workers Compensation Insurance and General Liability Insurance. We are fully insured and would be happy to provide you with insurance certificates. A Contract - With a contract, you know what you are getting. There are no surprises. Also, when you are obtaining several estimates, a contract allows you to compare one contractor to another. Be sure your contract has a complete scope of work, as well as the products being used in your home. A contract should also state the payment terms. HRS Construction always furnishes you with a very detailed contract. Communication – This is so important from start to finish. You need to be able to get in contact with the company that you are hiring. Our office/showroom is open Monday through Friday from 9:00 am to 4:00 pm, with evening and weekend hours available by appointment. When you call during business hours, you will talk to a person, not an answering machine. Should you have questions before, during, or after your project, we are always here. You can call, text, e-mail or stop in to talk to one of the owners. Permits – Be sure your contractor applies for all required work permits in your town or city. This insures that the work in your home is being done according to the current building codes. Building codes are to protect you, your family, and your property. HRS Construction will apply for permits required by your town or city. References – Be sure your contractor can provide you with references from his/her past projects. We provide customer comments on our website at www.hrsconstruction.com, as well as having a sampling of customer referrals and comments in our showroom. Satisfied customers are the foundation of our company. Materials – Your contractor should always use high quality materials. You have the right to ask which products are being used for your project. Not all products are created equal. HRS Construction uses the highest quality materials from our preferred suppliers. If the above items are in place, your project will be off to a good start!
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HRS CONSTRUCTION “GETTING
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PRIDE OURSELVES IN
CUSTOMER SATISFACTION
Our Towne Rensselaer County ~ Jennifer Felts~518-380-1279
11
TKG PROPERTY MAINTENANCE Don’t have the time or energy to Maintain your property? Let me do the hard work, so you don’t have to!
Mowing Seasonal Clean Ups Planting Mulch Stone Fertilizing Tree/Hedge Trimming Storm Clean Up Rototilling 'VMMZ *OTVSFE t 0XOFS 0QFSBUFE Tom Gibbons 518-526-5482 A Full Time Property Maintenance Business
O Kenny’s Express 3321 Route 9 Valatie, NY 12184 518-784-2491
O Kenny’s FallTastic Car Show Sunday, October 6th 10:00am-3:00pm Rain date October 13th Early Bird Breakfast Starts at 7:00 AM Regular Lunch Menu Hard & Soft Ice Cream Trophies Giveaways O Kenny’s Special 50/50 PLUS Raffle Live Music & MUCH MORE FREE TO ALL MAKES, MODELS & YEAR VEHICLES MOTORCYCLES INCLUDED
Free to Spectators
O Kenny’s ALWAYS SERVING GOOD FOOD FAST
Simply Clean Carpet and Upholstery Cleaning
Residential and Commercial Quality Service at Affordable Prices Fully Insured Senior Discounts 15 years servicing the community David S. Troy, Owner/Operator 1010 Pine Street, Rensselaer, NY
518-479-4176 To AdverƟse or List a Community Event Contact Jennifer Felts at 518-380-1279 OR felts66@yahoo.com
the OUR TOWNE LEGAL SPOTLIGHT By Linda B. Johnson, Esq.
Injured? Not Sure What to Do? Slip and fall on ice? Trip and fall on an uneven sidewalk? Leisurely shopping trip turned into an ER visit? Car crash? Broken bones? Perhaps this happened during work?Working construction‌something fell from above onto you? These scenarios happen to unsuspecting people each and every day. If any of these sound familiar to you, or have happened to a loved one, a friend or a family member, contacting an attorney is probably not the first thing that comes to mind. The focus is usually on the healing process, as it should be. Perhaps you have been bombarded by phone calls from insurance investigators, paperwork from worker’s compensation folks, disability insurance carriers, and more. While no attorney can physically heal injuries, I may be able to assist in recouping your losses. You will not find me on TV or the back of a bus, but if you would like to discuss your possible injury case, I answer my own phone line at (518) 225-3193, whenever possible. Give me a call.
Open Daily 9-5
Did you know that 20% of Our Towne is DONATED back to the Community for promotion of events?
Our Towne Connecting the Community Our Towne Rensselaer County ~ Jennifer Felts~518-380-1279
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LAPINSKI DENTAL General & Cosmetic Dentistry
“
Your Hometown Garden Center” For Gardening at its BEST! Gift Certificates Available
Autumn The Year’s Last Loveliest Smile
Welcoming New Patients
Open Labor Day 8 - 4
Providing heathly, beautiful smiles for your entire family
Fall Garden Mums and Asters
114 Troy Road ~ East Greenbush, NY
477-8428 www.LapinskiDental.com
41 years in Business Family owned & operated www.bradroselandscaping.com
Landscape Maintenance Customized Design & Installation Patios, Walkways and Retaining Walls Mulch & Topsoil for Pick Up & Delivery Call today for your free estimate! Fully Insured Mention this ad and save 15% Restrictions apply Contact us for details. Expires September 30, 2013
Fall Kale and Cabbage Fresh Farm Vegetables Fresh Petunia Baskets Trees, Shrubs and Perennials 40% off!
Mulch-Topsoil-Compost-StoneSod-Hay-Straw-Propane
Monday-Friday 8-6 Saturday 8-5 Sunday 8-4
426-9315 3609 River Road Rensselaer, NY 12144
420 Columbia Turnpike East Greenbush 518-477-4163 www.beckersfarm.com Across from Columbia Plaza
*5$1' 23(1,1* *5$ *5$1' 23(1,1 5$1 $1 1' 23( 3(1 (1 1,1 ,1* * Morning, evening and lunch hours are available Monday through Friday to accommodate your scheduling needs!
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"Dreaming Our Joy" facilitated by Jae Way, Holistic Life Coach 6:30 pm Friday, September 20 to 11:00 am, Saturday, September 21, 2013 1st United Presbyterian Church 1915 5th Ave. Troy, NY
Pre-registration required for info & registration visit oneselfcares.com or call Jae at 518-462-0017
Our Towne Rensselaer County ~ Jennifer Felts~518-380-1279
15
Melvin Roads Baseball Player Visits the Dominican Republic It is not often that an incoming high school junior is scouted out and selected to become a member of an international traveling baseball team. Yet that was the recent, exciting experience of Gabe Lozada, a student at Lansingburgh High School, Troy and a member of the Melvin Roads Post 1231 American Legion Baseball Team. Gabe explains, “I was contacted by a California based baseball organization called “Team Avenue Aces” to join 24 other boys ages 12 to 18 to go to the Dominican Republic to play a series of games against boys of comparable ages.” His trip extended for two weeks with him flying out of JFK on June 22nd. When he arrived he was selected to join the older of three age groups—the 16 to 18 year olds—and begin a “road trip” of 10 games from one end of the island to another. The Dominican boys “live for baseball,” states Gabe. “From early in the morning through late afternoon, all they do is play the game and go through rigorous training to be fit for baseball; I joined them in their early am exercises once and was absolutely exhausted afterwards. They go to school for eight hours on Saturday and train and play the other six days. Once they turn 16, it is the goal of most to be drafted to attend a baseball academy.” Gabe said he was particularly struck by the poverty these boys experience every day. “What I saw put a lot of things in perspective for me. Here [in the USA] we complain if we don’t have the most expensive [baseball] gear. There, the kids are very happy playing the game using whatever they can find for equipment; it wasn’t unusual to see them batting with sticks and using rocks or bottle caps as their ‘baseball’”. Gabe just this year joined the Melvin Roads American Legion Baseball team at the invitation of Coach Curtis Nobles. He is the youngest player on the team. When Gabe’s Melvin Roads Manager, Marc Peluso heard about his trip, he donated some used baseball equipment, namely gloves and catcher’s gear. One particular day when Gabe was not playing a scheduled game, he joined a group of boys playing ball in the City of Boca Chica. He brought the equipment with him and asked who wanted it. “The boys just charged me asking for the gloves… I had never seen smiles that big!” 1231 Asked about the Major League Baseball players from Post the Dominican Republic, he noted that “David Ortiz and Robinson Cano are especially held in high regard, not only for ite their baseball abilities but for their not forgetting their roots. ay N d i r Both Ortiz and Cano have made countless donations and built yF Ever parks all over for the kids back home.” am Gabe returned home to the States on July 3rd and 2:00 lic! 1 pm Pub rejoined his Legion team as they continued what has turned 8:00 to the n out to be a winning season. He is left handed and plays first Ope base. He also is a left-handed relief pitcher when needed. “It is my hope to play baseball in college and who knows, maybe the majors someday!” Whatever his goals, it is obvious he will never forget the impression this trip left him with… “I ets Banqu r o f had never seen smiles that big! l l Ha rve o25u0r persons e s e R y d o ook dainngs for uGpint ny Brockle the Post. To BW t ed s” able a and ur “Hostes s avail Submitted by Ed Pratt, Adjutant u n o e l l M ca 78
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Plan Some Enrichment & Fun For the Family 3143 Route 9, Valatie, NY 518-758-2554 www.kjsgymnastics.com kjsgymnastics@gmail.com
The Ichabod Crane Booster Club presents
Outdoor Movie Night Saturday, September 14th at 7:00 Ichabod Crane High School
Fall Classes Start September 9th Register Today!
Remember The Titans
September Parent’s Night Out Friday, September 20th Our 2013-2014 Dance Season begins
Monday, September 9th
$2.00 per Person, Children 4 and under are free Tickets available through IC Athletic Clubs, Office of David Starkman, DDS and at the event Contact Dennis at dthe4shields@aol.com or IC Booster Club Facebook Page Bring your Lawn Chairs & Blankets!
This event is sponsored by Dr Starkman in honor of his 30th year practicing in Valatie, as a way of giving back to the community that has supported him.
Ages 3 through Adult No Registration Fees! Register for 2 Dance Classes and get 2 Dance Classes FREE Must register prior to September 14 REGISTER TODAY SPACE IS LIMITED 6 Greenwood Drive East Greenbush (next to East Greenbush Post Office) 518-779-7969 www.balletandthatjazz.com
Taekwondo & Hapkido
Master Russ Gould 3143 US Rt 9 Valatie, NY 12184 Behind KJ’s Gymnastics 518-937-0423
BONUS Tuesday Power Hour Class! Work out with your child for free!
Get Physically Fit & *DLQ 6HOI &RQÀGHQFH &RRUGLQDWLRQ Self-Discipline All while having FUN
Chatham Youth Bowling League
Bowling for children between 4 & 19 Saturday mornings at 10:30am September thru March Bumper Bowling only $7 per week 2 games of bowling + snack bar menu item Youth League Bowling - $8 per week 3 games of bowling, Tournaments $17 annual sanction fee (includes a jersey)
e-mail cmbrandow@juno.com or call 518-766-2509
Children & Adult classes ages 5+ Monday- Thursday
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Mention this ad and receive 2 weeks free trial Our Towne Rensselaer County ~ Jennifer Felts~518-380-1279
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KIDS BOOK REVIEW My name is Kyra Price I am from Castleton Elementary. It is in the town of Castleton. I just finished reading the book The Lightning Thief by Rick Riordan. The main character is Percy Jackson. He is a boy who learns that he has superpowers. He does not want to be hero though, but everyone is counting on his to save them from the monsters and gods of Mount Olympus. Zeus has a lightning bolt that controls the entire Mount Olympus and someone stole it and nobody knows who. Percy and his friends have ten days to find and return the stolen bolt and bring peace to Mount Olympus. Percy has to do many things to find the bolt but the most important one is he must talk to his father who abandoned him when he was young. This book explains greek mythology in a whole new way.
Congratulations to Kyra Price. She will receive a $10.00 Gift Card to Good Buy Books in East Greenbush.
wanted: Children ages 8 & up to write a book review for Our Towne Magazine. Each month I will publish a book review as a way to encourage our smallest readers & writers! Book reveiws will be published in the order received. ~Your name, age & town or school. ~Name of the book & author ~Summary of book & why you would recommend this book to another young reader. 250 words or less please. ~Two book reviews maximum per writer. Every published critic will receive a $10.00 gift certificate to Good Buy Books! Limit two entries per child. Send Book Reviews to: OUR TOWNE MAGAZINE Jennifer Felts 3 Lynch Ave Castleton, NY 12033 or felts66@yahoo.com
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Dear Our Towne readers, I am Elaine Herron, a local Girl Scout. I have recently been working on completing my Gold Award. Over the last year, I worked with the Boys and Girls Club of Rensselaer on my project called Lasting Literacy. Once a week I would read a book to a group of children. After reading, we would work together on an activity that would improve anything from their vocabulary to writing skills. I did this all with fun thematic and interactive lessons. With the help of many of my peers, I successfully documented twenty one lessons. However, there are still things I need help with. I would like to pass the program down to another group of Girl Scouts and I want to make this as comprehensive and convenient as possible for them to be able to teach these lessons and I also want new reading material available for all the children at the Boys and Girls Club. I’m now looking to the community to donate children's book to this cause. The books I need are listed below, but feel free to donate anything. These books can be dropped off at Good Buy Books on 330 Columbia Turnpike Rensselaer and also at the Boys and Girls Club at 544 Broadway Rensselaer. If you tell Lynn at Good Buy Books that you are donating to my cause, you can get a 10% discount on your purchase of a new book at the store. I will be accepting gently used books for a 5th grade level and down from the beginning of September until the end of June. Please help me finish this Gold Award and make Lasting Literacy a reality and not just a title. Thank you for your kindness & support, Elaine Herron
List of Desired Books: The Foot Book by Dr. Seuss Who’s Afraid Of The Big Bad Book by Lauren Child The Mudflat Olympics by James Stevenson These hands by Byan Collier I Am Thankful Each Day P.K. Hallinan I Like Me! By Rachel Carlson Squirrel's New Year’s Resolution by Pat Miller & Katie Embe Sissy Duckling by Harvey Fiersteinr The Snowman by Raymond Briggs
There Was An Old Woman Who Swallowed A Fly by Simms Taback Amy Loves The Snow by Julia Hoban Ice Cream Dreams by Nancy Krulik The Rainbow Fish by Marcus Pfister How I became A Pirate – Melinda Long Valentine’s Day by Gale Gibbons Don’t Let The Pigeon Drive The Bus by Mo Willems Happy Valentine’s Day Delores by Barbara Samuels The Paper Crane by Molly Bang As The Crow Flies by Gail Hartman The Easter Egg Hunt by Jan Brett Show and Tell Bunnies by Kathryn Lasky
Our Towne Rensselaer County ~ Jennifer Felts~518-380-1279
19
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The ABC’s of Closing Costs by Cathy Graziano You have found your dream home, the seller has accepted your offer, your loan has been approved and you are eager to move into your new home. But before you get the key, there’s one more step—the closing. Also called the settlement, the closing is the process of passing ownership of property from seller to buyer. It can be bewildering. As a buyer, you will sign what seems like endless piles of documents and will have to present a sizeable check for the down payment and various closing costs. It’s the fees associated with the closing that many times remains a mystery to many buyers who may simply hand over thousands of dollars without really knowing what they are paying for. As a responsible buyer, you should be familiar with the costs that are both mortgage-related and government imposed. Although many of the fees may vary, here are some common fees: •Appraisal Fee: This fee pays for the appraisal of the property. You may already have paid this fee at the beginning of your loan application process. •Credit Report Fee: This fee covers the cost of the credit report requested by the lender. This too may already have been paid when you applied for your loan. •Title Insurance Fees: These fees generally include costs for the title search, title examination, title insurance, document preparation and other miscellaneous title fees. Title services are required to protect against liens or claims on the property. A lender’s title insurance policy does not protect you, you should discuss with your attorney if you will need an owner’s policy. •PMI Premium: If you buy a home with a low down payment, a lender usually requires that you pay a fee for mortgage insurance. This fee protects the lender against loss due to foreclosure. Once a new owner has 20 percent equity in their home, however, he or she can normally apply to eliminate this insurance. •Prepaid Interest Fee: This fee covers the interest payment from the date you purchases the home to the date of your first mortgage payment. Generally, if you close on a home early in the month, the prepaid interest fee will be substantially higher than if you close it towards the end of the month. •Escrow Accounts: Unless your mortgage is less than 80% of the purchase price, mortgage lender will usually start an account that holds funds for future annual property taxes and home insurance. At least one-year advance plus two months worth of homeowner’s insurance premium will generally be collected. This amount will reimburse the seller what they prepaid in property & school taxes and insure there will be enough in escrow when they are again due. •Recording Fees: This expense is charged for recording the purchase documents and ownership of the property. Make sure you consult a real estate professional and your mortgage banker to find out which fees you can negotiate with the seller during the offering stage. In some instances, the seller might be able to contribute a credit of up to 6% of the purchase price toward the purchaser’s settlement costs.
Cathy is a resident of East Greenbush and is an associate broker with RE/MAX Park Place. She has over ₂₀ years experience in real estate and is a member of the NYSAR Professional Standards Committee. "I would appreciate the opportunity to earn your business and referrals" Cathy Graziano Our Towne Rensselaer County ~ Jennifer Felts~518-380-1279
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DEAR ANGIE, Dear Angie,
Oktoberfest 2013 at the Kinderhook Memorial Library It's that time again! The Kinderhook Memorial Library’s 4th Annual OKtoberfest will take place on Saturday, September 28, from 4:00p.m.-7:00p.m. In keeping with tradition, we will have silent auctions and raffles featuring wonderful items donated by our talented and generous local vendors. We are pleased to announce Georgia Ray’s Kitchen will be catering this year’s event. Tickets are $30 each, and include a meal full of delicious delicacies: grilled German bratwurst or sweet potato and wild rice potato pancakes (vegetarian option), sauerkraut, German potato salad, spätzle with onions in butter sauce, green salad, fresh rolls and butter, dessert and beverages. Each adult ticket also comes with one entry into the door prize giveaway! Kids' meals are available for $7, and include hot dogs, chips, dessert and cider. Please R.S.V.P. no later than September 17. The Festival of Raffles and silent auction will be available in the library starting the first week of September. Even if you can’t make it to the celebration you can still join in the fun by purchasing raffle tickets or placing your bid on silent auction items. Raffle tickets can be purchased at the library for $1 each or 6 for $5. Get your tickets soon and join the staff, trustees, and Friends of the Library in an evening of great food, great fun and a craft project for the kids! For more information or to buy your tickets, please contact the library at 758-6192, visit our website www.kinderhooklibrary.org or stop by 18 Hudson Street in the village of Kinderhook. You can also buy your tickets at the Friends of the Library Book Shop at the Feed & Seed building on Saturdays. All proceeds from OKtoberfest this year will benefit the 21st Century Library fund.
My kids want to do it all! My husband and I want them to be happy, but between the sports, dance, gymnastics and clubs at school we were totally overwhelmed last year! Any advice to keep us ALL happy? From, Tired Already in West Sand Lake Dear Tired Already, Welcome to the twenty first century!! I'm also in the same situation. Keeping everybody happy is well... Impossible. Parents have to remember that when these chaotic days are over, we're actually going to miss it. I for one just try to enjoy the time with my kids and other parents. I will say that my only criteria is school grades, I am happy to have my kids do it all and drive them all over. As long as the school grades stay in the range that is acceptable to my husband and I. If grades start slipping, so do the activities. Parents and kids have to remember you are only a sport star till you are a senior in high school. Once high school is over the chances of being a sport star in college is very slim but being smart lasts a lifetime. As long as your kids are getting good grades and not overly stressed then let them do it all. GOOD LUCK, Angie
E-mail felts66@yahoo.com if you have a question for Dear Angie. Your identity will be anonymous.
The Friends of the Kinderhook Memorial Library Book and Bargain Sale The sale will be held rain or shine on Saturday, September 14, 2013 from 9 a.m. to 2 p.m. on the Library lawn. The library is located at 18 Hudson Street, Kinderhook, NY. In conjunction with the Kinderhook Village-Wide Yard Sale, the Friends will again offer the library yard for tag sale vendors. A donation of $20 reserves a space to set up and sell one’s treasures. Sign-up begins August 15th. The Friends have been accepting donations of gently used books both for the lawn sale and the Friends’ Book Shop at the Feed and Seed, just steps from the Library on Hudson Street in Kinderhook. The Book Shop will also be open the day of the Book and Bargain Sale. Book donations may be brought to the Library during regular business hours. Donations are tax deductible and receipts will be provided upon request. To arrange for a large donation or for more information about reserving a tag sale space, please call the Kinderhook Memorial Library at 518-758-6192. The Kinderhook Memorial Library serves the Towns of Kinderhook and Stuyvesant. The Friends of the Library provide significant materials, programs and direct financial support to the Library. For more information about the Friends of the Library please visit the Kinderhook Memorial Library website: http://www.oklibrary.org
September Happenings East Greenbush Community Library
www.eastgreenbushlibrary.com~ 477-7476
Events for Children:
Events for Teens:
September is Library Card Sign-up Month! This year’s theme is “Be a Smart Cookie – Read!” Kids who get their first library card in September receive a goody bag and free coupon for an ice cream cone at Stewarts. Look for our display in the Children’s Room and help our cookie jar progress tracker grow!
Middle School Ice Breaker For students entering grades 6-8 and their parents/guardians) Wednesday, September 11 @ 7:00 pm September means back to school AND back to after-school programs at the East Greenbush Library! Enjoy an ice cream sundae with our Tween & Teen Librarian, Chrissie Morrison, and find out about the variety of teen programs we offer during the school year. Please register by 9:00 pm on September 10 so we get enough ice cream.
Music Together® (baby - age 5) Monday, September 9 @ 10:00 am OR 11:00 am Matt Yaeger hosts a sample class of this internationally recognized early childhood music and movement program. Registration is required. Scrubby the Bear (ages 2-6) Thursday, September 12 @ 10:00 am The American Red Cross will teach children how to properly wash their hands to protect from germs. They’ll hear Scrubby Bear’s story and see their germs with our glo-lotion and blacklight. Kids will make their pledge into the Scrubby Bear Clean Hands Club. Registration required. ART CLUB: After School Edition (K-5) Thursday, Sept. 19 @ 4:30 pm Explore various art techniques by creating hands-on projects. Registration is required. Drop In Family Storytimes Start September 17 (NO PM STORYTIME 10/24, 10/31) Thursdays @ 10:00 am OR 11:00 am OR 6:30 pm This all-ages program includes books, songs, rhymes, puppets, flannel stories and a coloring sheet or simple craft. *No registration required LEGO CLUB: Saturday, September 14 @ 10:00 am Use the library's brick collection to build cool creations. REGISTRATION IS REQUIRED.
Puurfect Kitty of the Month Meet
Star
TAG & Jr. Friends (Teen Advisory Group) Tuesdays @ 3:30 pm September 10 Discuss and plan teen programming, collection development, and volunteer opportunities. Teen area decorations and policies will also be discussed. Plus, you get FOOD as payment when the meeting is over. What the Craft?!? Tuesdays @ 3:30 pm September 17 Do you like to paint? Draw? Write? Bring your own art or join in on the craft the library provides each month! “Board” Senseless Tuesdays @ 3:30 pm September 24 Join us for an afternoon of fun with card and board games!
To Advertise or List a Community event
Contact Jennifer Felts at 518-380-1279 OR felts66@yahoo.com
My name is Star. I’m a sweet, white female kitty with dark-grey tiger accents and a heartshaped mark on my nose. I’m just about two years old. I’m gentle and a little shy, but I love getting pets from you and warm up as I get to know you. I was living outside in the Park Ave neighborhood in Albany when a concerned lady took me to the rescue group. I seemed afraid of people at first, but now I look for affection. I’m looking for a warm and welcoming home to call my own and hope that someone will see this article and think “that pretty Star kitty will be purrfect for me!” Bring me home and I’ll purr my thanks to you! As with all Purrfect Companion kitties, Star is up-to-date on routine shots, house trained and neutered or spayed. For more information on Star, please contact the following Purrfect Companions’ representative: Maryann at 331-2221 or at kitties.purrfectcompanions@yahoo.com. Please use this phone number ONLY for adoption purposes! Purrfect Companions is a non-profit, all volunteer rescue organization. We are always looking for good volunteers to help with the kitties or assist at our adoption clinics. If you’d like to donate a little time to these worthy animals, please give us a call at 463-8709. Our adoption clinics are held 12:30-4:00 most Saturdays and Sundays at Petco, Northway Mall, Albany NY. Stop by and see some of our other kitties! We may have one that is just “PURRFECT” for you!
Our Towne Rensselaer County ~ Jennifer Felts~518-380-1279
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September Happenings East Greenbush Community Library www.eastgreenbushlibrary.com~ 477-7476
The Library will be closed on Labor Day Weekend: August 31 – September 2 The East Greenbush 2014 Library Budget Vote:Thursday, September 5, 2013 9:00 am to 9:00 pm A second proposal on the ballot is the election of one Trustee for a five-year term, beginning January 2014. The candidate running for this position is Patricia Hulihan. ELECTION DAY ACTIVITIES AT THE LIBRARY Teddy Bear Storytime (ages 2+) Thursday, September 5 @ 10:00 am Bring your favorite teddy for a special teddy bear themed storytime with stories, songs, rhymes and a craft. Registration is required. Magic Trunk (ages K+) Thursday, September 5 @ 2:00 pm Join ventriloquist Sylvia Fletcher for a hilarious comedy show featuring unforgettable puppets. Registration is required. Sonny and Perley in Concert Presenting the Great American Songbook Thursday, September 5 @ 7:00 pm Music of the great American song writers from the “Golden Age of popular song” defines our musical heritage. Featuring vocalist Perley Rousseau and pianist Sonny Daye, this concert highlights Gershwin, Berlin, Porter, Ellington and more.
New Education and Employment Resource Center (EERC) Programs Resume/Cover Letter Clinic Thursday, September 12, 5:00-8:00 (registration begins Aug. 26) Make a one-on-one 20-minute appointment to have your resume or cover letter reviewed by an expert. Visit or call the Reference Desk for an appointment. Only one appointment per person per session; you may attend more than one session. A draft resume or cover letter is required. Resume Workshop Saturday, September 21, 1:30-4:30 This workshop provides one hour of resume instruction led by a career professional, followed by up to two hours of computer time to work on your resume/cover letter, ask questions, and get feedback. Bring a flash drive to save your work. PLEASE REGISTER FOR ONE SESSION ONLY. How to Use the Internet in Your Job Search Thursday, September 19, 3:00-4:00 In this workshop, a career professional from Rensselaer County One-Stop will show you how to: use the internet to do a job search, create an e-mail address to use for your job search and fill out online job applications. PLEASE REGISTER FOR ONE SESSION ONLY. The library in partnership with Questar III BOCES will host: High School Equivalency (HSE) preparation (previously known as GED) and English for Speakers of Other Languages (ESOL) classes starting the week of September 9, 2013. For more information call 479-6869 or email pmertz@questar.org.
The Library Board of Trustees meets on Tuesday, September 18 at 7:30 pm The Friends of the East Greenbush Library meet on Tuesday, September 18 at 6:30 pm
Children’s Festival & Book Sale
Saturday, September 28: 9:00 am to 4:30 pm The Friends of the East Greenbush Library are hosting their 7th Annual Community Children’s Festival and Book Sale. The sale will include children’s books for all ages, AV materials, and childcare materials for parents. This event is for families and we are asking that no book dealers attend. Enjoy free food, raffle prizes, bouncy-bounces, crafts, balloon sculptures and face painting throughout the day. A Bag Sale will be held on Sunday, September 29 from 1:00 to 2:30 pm. Balloon Sculptures with Tots the Clown: 10:00 am - 1:00 pm Family Fun Face Painting with BJ: 12:00 - 3:00 pm
September Happenings East Greenbush Community Library www.eastgreenbushlibrary.com~ 477-7476
Events for Adults:
All programs are free and open to the public. Due to limited space, registration is required for all programs, concerts & movies. Call 477-7476 or visit our webpage and use our online registration. Latin Moves Every Monday September 16 – December 2: 10:00 am (No class on October 28) Join Cori Rowe Delehanty, RN from MVP for a fun, workout anyone can do (including beginners) that combines fast and slow Latin rhythms to get your heart pumping while strengthening your core. Please wear sneakers. Limit of 18. Register for each individual class. Arthritis Foundation Tai Chi Classes: Mondays, September 16 - November 18: 6:00 pm (No classes on September 23 or October 28) A program designed to exercise the body, mind, and spirit. It is made specifically for people with arthritis, but anyone can take the class. This class can be taken standing or sitting. It improves flexibility, breathing, and relaxation, and builds muscle strength. Class size is limited to 20. Registering for the September 16 class registers you for the entire program. Living Healthy 6-Week Workshop Mondays, September 16 – October 21: 1:00-3:30 p.m. Join the staff from the Center for Excellence in Aging & Community Wellness to discover fresh, practical ways to live better and healthier. Learn the tools to manage and take control of your health. Registration limited to 15. Signing up for the September 16 class will register you for all 6 sessions. Learn about Shingles Tuesday, September 17 at 10:00 a.m. Shingles develops from the varicella-zoster virus (VZV) which also causes chickenpox. If you were born before 1980, VZV is considered to already be in your body, even if you have never had chickenpox! Find out more about this disease and how to avoid it from Price Chopper’s pharmacists. Knowing When the Time Is Right Wednesday, September 18 at 5:30 pm Join Stephanie Landry, Senior Living Specialist at Eddy Hawthorne Ridge, as she discusses the reasons people decide to move to a senior living community, the benefits of doing so, and why it is desirable to move while you still have a choice. How Connie Got Her Rack Back Tuesday, September 24 at 7:00 p.m. Connie Bramer, who lives in Clifton Park, wrote How Connie Got Her Rack Back to recount her experience with breast cancer. She uses laugh out loud humor to share her adventure, along with poignant moments of self-discovery. Connie is now working on her second book and is actively involved in fundraising for cancer research. Copies of her book will be available for purchase. REGISTRATION BEGINS SEPT. 3.
Greenbush Historical Society presents “Researching Early Settlers of Greenbush” Sunday, September 8 at 2:00 p.m. The Greenbush Historical Society is working on a project using early maps, church and cemetery records, family documents and more to research Greenbush as it was in 1790. Did you know that most people who leased land from Stephen Van Rensselaer fought in the Revolutionary War? Glenn Hankle and Jim Greenfield will discuss what research is being done and what resources are available for you to do your own research. Half Moon Button Club presents Button History and Heritage Sunday, September 29 at 2:00 p.m. At this presentation on Button History and Heritage you can find out what’s in Grandma’s button box. Learn about the types of buttons found in the past three centuries, the button manufacturers in the area and see examples of antique buttons. Club members will examine your buttons and tell you what you have. REGISTRATION BEGINS SEPT. 8. A Virtual Tour of the Internet Thursday, September 19 at 7:00 p.m. Discover new productivity tools, ways to stay updated and connected, funny sites, time wasters, must know sites, and security tips. Illiterati Book Club Hosts Elizabeth Brundage Monday, September 23 at 6:30 p.m. The Illiterati Book Club will host an open talk and reception with Elizabeth Brundage, author of The Doctor’s Wife, A Stranger like You, and Somebody Else’s Daughter. American Red Cross Blood Drive Monday, September 9 at 1:00-6:00 p.m. Call the reference desk at 477-7476 to schedule your donation or go to www.redcrossblood.org; 1-800-Red-Cross. AARP Driving Class Wednesday, September 11 at 9:30 a.m. – 4:00 p.m. The library in conjunction with AARP Mature Driving presents this 6-hour classroom course. Please register early as classes are limited to the first 35 adults. The cost of the class is $17.00 per person for materials for AARP members. Please bring your card to the class. Non-members will be charged $19.00. Payment will be taken the day of the class by check made out to AARP. Please bring a bagged lunch. REGISTRATION BEGINS AUGUST 21.
Free Monthly Movie at 6:30 pm: Wednesday, September 25: 42: The Jackie Robinson Story
Our Towne Rensselaer County ~ Jennifer Felts~518-380-1279
25
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This months question comes in from Michael Dwileski of North Greenbush. â&#x20AC;&#x153;Will I actually recoup the money that I spend on my landscaping around my property when I go to sell?â&#x20AC;? Well Michael, I have to say YES, of course you will. But, as a landscaper, you probably guessed I would say that. So, I did some research for you to provide you with some exciting facts that will help YOU decide if it is a good investment. Money Magazine determined that landscaping offers an excellent return on investment. Actually, it ranks top out of ANY home improvement. In addition, there was a study done by the American Society of Landscape Architects in conjunction with Money Magazine. A recovery value of 100%-200% can be gained when you go to sell your property! Clemson University stated that homes with excellent landscaping sell for 6-7% more than comparable homes with just good landscaping. Research by Michigan State University found something similar. A home nicely landscaped will still increase the value by 12%. The Society of Real Estate Appraisers also feels a landscaped home adds value. 99% of those polled agreed that a landscaped home sells faster, even in difficult Real Estate markets. So, Michael, in closing, it is easy to see with these facts at hand that adding professional landscaping can definitely provide a very positive financial impact on your homes value, as well as add instant curb appeal for you to enjoy. To all of the Our Towne readers, keep the questions coming! I can be reached at azlandscaping1@aol. com or for a personal conversation, please call me at 518-423-0611. Or, you can just wave me down when you see me working around OUR TOWNE. We are now booking for the 2014 Spring Season. It will be worth the wait, I guarantee it!!! And, of course, thank you to all of my customers who have trusted me with improving your home.
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www.kraftsbykim.com 395 Columbia Tpke, East Greenbush, 518.477.1274 I have so much to share with you this month so I better get right to the point. This truly has been one of the most AMAZING journeysI am any one person could ever been luckyby enough tomuch have. I have dream along Happy AUGUST....If dreaming please wake me uphave cause the months are flying and I have so to tell you. Forlived those a of you who areand curious about the the way met some mostof wonderful people/friends. withbuyer. that Inbeing it is nowthe time for Ifthe of Krafts future ofofthethe building Krafts by Kim, we are still looking for thatSoperfect fact we said have just reduced price!!!! youBUILDING are interested please keep inby Kim to getmind ready building not mebusiness yet). Pleasealways understandEssentially that thisa place is such anallimportant it doesfor not RETIREMENT...(only have to be a craft/gift store.the It can be whatever where your DREAMSstep come to true.enable me to move closer to my children. So although it is atype little sad,youit have actually wanted. is quite WONDERFUL. I LOVE YOU ALL...thank you building sell getsupport ready for the BIGGEST Sale Ever.me So,to untilbe then will of continue merchandise (especially in ourthe SALEcontinued ROOM) and support for allOnce ofthe your kinddoes words, and allowing a we part yourdiscounting lives. And of course with out new designs upcoming months. For those of you curious about the future of Krafts by Kim, I will continue showcasing my designs at area of mycreating husband noneforofthethis wouldFallhave ever been possible. shows and also on-line once the building has been sold......
So, I'm sure you are curious on the future of this beautiful building??? Can I just tell you how excited I am? A good friendThis(and I add has decided along withways. her We husband take over. monthmay is going to beTALENTED) an incredibly difficult for me in so many are movingtomy daughter to May I introduce to you Carrie's Country Creations!!! Her designs are incredible month and her vision is inspiring. Her husband Darren is talented as well in building furniture Wyoming toother pursuewoodworking. her education in Bio-Medical Sciences alsonot givebe her the opportunity to beGRAND closer to OPENING TO BE ANNOUNCED.. and various I promise you,which youwill will disappointed. her brother in Colorado. Please be sure to call the store or check the website (www.kraftbykim.com) for August Store friends this is not good-bye this is myto next chaptersoofmany a beautiful Hours. So, Life ismy certainly always changing and each day I count my blessings have accomplished amazing life life....!!! sure toreal check myhave website of Krafts by Kim...xo experiences. Please Please stopbe by and see me soon and a safe and for happyfuture rest of theplans summer...
Wednesday - Friday 10-5 RETIREMENT SALE: Saturday 10-4 STORE HOURS: September September Sunday 11-3 / Thursday 10-6/ Saturday 10-4 Wed. & Fri. 10-5:30 / Sunday - closed for 5th Summer/-Closed Monday & Tuesday 8th.
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SEPTEMBER 2013 COMMUNITY CALENDAR SATURDAY, SEPTEMBER 7TH
"Columbia HS Early 60's Reunion" The first annual Columbia H.S early 60's reunion. The classes of: 1960,1961, 1962, 1963 and 1964 are invited to meet at the East Greenbush Firehouse Pavilion at 68 Phillips Road, Rensselaer, NY 12144 on Saturday, September 7th from 4 to 9 PM. Burgers, Hot Dogs and beverages will be available at a reasonable cost. Each person is asked to pay $5 to cover the rental and incidental expenses. Any surplus money will be donated to the CONSERNS-U Back To School Program which serves needy East Greenbush students. Please share this notice with others and encourage them to join you in attending. Hopefully, this will be an annual event on the first Saturday after Labor Day. Contact Bob Flynn 674-0670 for more information. SUNDAY SEPTEMBER 8TH Calling all youth and children! First United Methodist Church, 1 Gilligan Road East Greenbush is celebrating Rally Day which is our first day of Sunday school classes for the year. It is a time after summer to reconnect with your friends and meet new friends. FROM 9:30 -10:30 AM Please come greet our new pastor Sundar Samuels. Gather together with other families in Fellowship Hall after class for a snack.. Nursery care is available for pre-schoolers. All are welcome and we hope you can come!!Call with any questions 477-9693
WEDNESDAY, SEPTEMBER 11 MELVIN ROADS POST TO HOST PATRIOT DAY CEREMONIES
Melvin Roads Post 1231 American Legion will host a Patriot Day Ceremony on Wednesday, September 11th, 2013 at 12Noon on the Post grounds. As has been the tradition these past twelve years, the community is invited to join with our veterans, distinguished guests, fire fighters and law enforcement honoring the memories of the lives lost September 11th, 2001. In preparation for this event, Post Commander Pat Vallee remarked, “Along with our invited dignitaries, this September 11th will allow myself and all the opportunity to recommit our fellow Americans to the qualities that have made us a strong nation even in the face of adversity.” Short presentations will be offered by County and Community leaders. Also, the Clinton Heights Fire Department will be present to hold the solemn tolling of the bell in remembrance of the fire fighters and emergency services personnel who gave their all twelve years ago. The Post Color Guard including members of the Sons of the American Legion will present the colors for the playing of Taps. Following the ceremony, all are invited to a light luncheon in the Post Lounge. Melvin Roads Post is located at 200 Columbia Turnpike in East Greenbush, across from the Hampton Avenue entrance to Hampton Manor. Again the public is cordially invited and encouraged to attend.
SATURDAY, SEPTEMBER 14TH Kinderhook Village-Wide Yard Sale –The Village–wide yard sale will be Saturday, September 14th. There will not be a map for the sale so there is no need for residents to notify anyone that you are participating. Just put your items out, make a little money and have fun. The Friends of the Kinderhook Memorial Library Book sale will be held rain or shine on Saturday, September 14, 2013 from 9 a.m. to 2 p.m. on the Library lawn. The library is located at 18 Hudson Street, Kinderhook, NY.
SATURDAY SEPTEMBER 14TH
PIZZA & WING NIGHT IS BACK!!! The East Greenbush Fire Dept. Park Station, Located at 68 Phillips Rd....Serving from 4:30-7:30. Home of BIFF'S 10lb Pizza. Don't forget our famous Salad & Mozzarella Sticks too! A Great Night out to support your local fire department and our community.... Come to Eat-In or Take Out Phone Orders will be Accepted After 2pm; 477-6503 or 479-4168
SATURDAY,SEPTEMBER 21ST
Castleton Village Wide Yard sale. 9 - 5. Rain or Shine! Come find some treasures in the village of Castleton.
SATURDAY IN THE PARK FALL FESTIVAL! 2013 This festival will take place Saturday, September 21st from 11am-3pm in Onderdonk Memorial Park and Hampton Lake Park, located off Hampton Avenue. The Town is inviting all to participate in this festival to help make it a success. All vendors and non-profit organizations are welcome to participate. If you would like to be involved, but don’t know how, please contact Stephen Shea or Lori Behm at 518-477-4194 with any questions or stop by at our office at the East Greenbush town hall.
SATURDAY, SEPTEMBER 21 5th Annual Red Apple Run sponsored by the Kinderhook Runners Club. 5K Orchard Run and 10K Trail Run thru Samascott Orchards and surrounding lands in beautiful and historic Kinderhook, NY. 9:00 amRegister online now at active.com/running/kinderhook-ny/red-apple run2013 or download a form at http://kinderhookrunnersclub.com/assets/rar_registration_form_2013.pd
I Have A Secret...shh BY DARYL BART
I have a secret. I’m pretty sure that if I shared it here in public, the majority of the people I know would find it incomprehensible. Shock and awe would will abound – because it is really unheard of. I can’t think of anyone who agrees with me. I’m pretty sure my mother would stop speaking to me (hmmm.) Maybe I’m ready to share my secret. It’s almost at back to school time – my kids have been going to camp all summer, we’ve been working, and we’re awaiting our much anticipated vacation week at the beaches of the Outer Banks with friends – our annual pilgrimage to relax away the final days of August.
I love the cold weather. There I said it. I mean, I like the summer. I loved going to camp, I like a summer vacation, and summer dresses, and eating at outdoor cafés (in theory – but I almost always wish I was eating inside).
When it comes down to it, for me, the best summer days are the ones that feel like fall is coming. And the best hair days are when Today we woke up and found ourselves with an “Empty it’s chilly out and my absolute favorite thing to happen to fashion in Square”. You know what that is, right? If you’re a parent of the last decade are Uggs – the most awesomest, coziest, footwear sports playing kids, it’s when you wake up and look at the in the world (to me).
calendar and there is ABSOLUTELY nothing in the square! How could this be? This never, ever happens to us. Or So I know my mother might disown me after this revelation and it happens so rarely that I can’t remember a time in the my office mates who trade photos of beach sunsets, have tropical calendars hanging above their desk, covet a chair in the sand and recent past where we had a blank square. get starry eyed over the talk of Florida will certainly not agree. They might even secretly plan my commitment to some kind of Anyway, after a quick conference we decided to do a institution for this admission.
family day that involved an activity of something we never get to do. We whittled the top choices to Zoom Flume, Cooperstown & Howe Caverns – Howe Caverns won out for several reasons on this day – but it was admittedly a very tight race.
For the rest of you in disbelief, the truth is we have to get thru the 150 days of cold to get to your beautiful hot weather – which will most certainly arrive even though you will lament it out loud and daily way into May…so be hopeful, your time is coming back! But my time is now.
We left pretty early and were happily surprised to find it less than an hour away. The scenic ride was an added perk. I volunteered to sit in the back seat, giving my newly teenaged son “shotgun” so I could work on my column, when this new idea struck me. I was so happy, writing & drinking coffee. I had, in anticipation, dressed for the cold air of Howe Caverns, in jeans, boots and a fuzzy vest (it is always @50 degrees there).
Daryl Bart Dcbart1@gmail.com
Here I was, on a dog day of August, riding in a bright sunny car, humming the lyrics, “these are a few of my favorite things”. I realized I was mentally making a list of awesome stuff that I love in the cold weather…like going skiing, and snow flurries and seeing my breath and making soup and white twinkle lights on trees and apple picking and not sweating and wearing gloves and a scarf, and hearing Christmas music on the radio (which is a totally different subject) and wearing Uggs and using my heated car seat (which is no longer a luxury in a car but a necessity. Let it also be known that I will never ever, ever own a car without heated seats). It was at this moment that I decided to share my secret with just a few select people.
Our Towne Rensselaer County ~ Jennifer Felts~518-380-1279
29
Pizza And Wing Night is Back !!!! Saturday September 21st- 5 to 8pm. Pack up the family and join us for the BEST (and the original) firehouse pizza around. Eat in or Take Out!!!! Schodack Valley Volunteer Fire Co., 1553 Schodack Valley Rd., Castleton NY 12033. 518-477-4215 September 10 & September 19
www.reofinancial.net
You Need To Eat & We need your Support!!! It’s a PERFECT match!
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ON-GOING EVENTS AROUND OUR TOWNE TUESDAY
T.O.P.S. TAKING OFF POUNDS SENSIBLY: LOW COST, SELF-HELP SUPPORT GROUP FOR WEIGHT LOSS. MEETING EVERY TUESDAY AT THE RENSSELAER LIBRARY AT 676 EAST STREET. WEIGH IN AT 5:45 & MEETING FROM 6:00-7:00. CAFE THEO -- ST. PAUL’S UNITED METHODIST CHURCH, 1583 CARNEY ROAD, CASTLETON . CAFE THEO IS AN INFORMAL GATHERING OF PEOPLE FROM ALL WALKS OF LIFE WHO SEEK AN UNDERSTANDING ABOUT THE BIG QUESTIONS IN LIFE. WE ENGAGE IN CONVERSATION ON MORAL, PHILOSOPHICAL, AND SPIRITUAL TOPICS. SOME RECENT TOPICS DISCUSSED INCLUDE REVENGE/ MERCY, NATURE OF THE SOUL, AND SYMBOLISM. WE WELCOME ALL POINTS OF VIEW AND RELIGIOUS PERSPECTIVE, AND OUR COMMON GROUND HONORS FREEDOM OF CONSCIENCE IN RESPECTFUL CONVERSATION. WE INVITE YOU TO JOIN US FOR AN EVENING OF ENGAGING DISCUSSION, MUSIC, AND A PERIOD OF REFLECTION. REFRESHMENTS ARE PROVIDED. WE MEET EVERY 1ST AND 3RD TUESDAY AT 6:30 P.M. AT ST. PAUL’S METHODIST CHURCH, CASTLETON.
O’KENNY’S SUMMER CRUISE IN CAR SHOW WITH LIVE MUSIC, AWESOME CARS AND GREAT FOOD. EVERY 1ST & 3RD TUESDAY OF THE MONTH. 5:30-8:30 AT 3321 ROUTE 9 VALATIE CALL 518-784-2491 FOR DETAILS
WEDNESDAY THE COMMUNITY SENIORS OF CLINTON HEIGHTS MEETS THE FIRST AND THIRD WEDNESDAY OF EACH MONTH AT THE COMMUNITY CONGREGATIONAL CHURCH OF CLINTON HEIGHTS. WE ARE LOCATED NEXT TO EAST GREENBUSH TOWN HALL AT 221 COLUMBIA TURNPIKE IN THE TOWN OF EAST GREENBUSH. THE ENTRANCE IS LOCATED ON THE WEST SIDE OF THE CHURCH AND IT IS HANDICAPPED ACCESSIBLE. YOU CAN PARK IN LOT OFF SOUTHERN AVE. OR IN PARKING LOT NEXT TO CHURCH ON THE WEST SIDE. WE MEET FROM 11:30 AM TO 2:00 PM. BRING YOUR LUNCH AND JOIN WITH THE GROUP IN PLAYING GAMES AND HAVING DISCUSSIONS OR BRING SOME NEW IDEAS TO THE GROUP. COFFEE AND TEA ARE PROVIDED.IF YOU HAVE ANY QUESTIONS, CALL ARLENE ( OZZIE) SHELDON AT 518-733-0380, PRESIDENT.
FRIDAYS
CASTLETON LIBRARY,TEEN GAME NIGHT, CASTLETON PUBLIC LIBRARY, 85 SOUTH MAIN ST, 6:30 TO 8:30 PM, FREE. REFRESHMENTS, MOVIES. 518 732-0879.
FIRST FRIDAY FREE REIKI...FREE REIKI ON THE 1ST FRIDAY OF EVERY MONTH FROM 6:00 – 6:45 PM AT VENTURE INWARD, 568 COLUMBIA TURNPIKE, #16 VANDENHOUTEN SQUARE (BACK ENTRANCE), EAST GREENBUSH. REIKI IS A JAPANESE TECHNIQUE FOR STRESS REDUCTION AND RELAXATION THAT ALSO PROMOTES HEALING. IT IS ADMINISTERED BY “LAYING ON HANDS” AND IS BASED ON THE IDEA. 518-477-6566 WWW.VENTURE-INWARDCENTER.COM
SATURDAYS PIZZA AND WING NIGHT IS BACK ! PIZZA NIGHTS ARE HELD ON THE 3RD SATURDAY EACH MONTH SEPT. THRU MAY PACK UP THE FAMILY AND JOIN US FOR THE BEST (AND THE ORIGINAL) FIREHOUSE PIZZA AROUND. EAT IN OR TAKE OUT. CHODACK VALLEY VOLUNTEER FIRE CO.1553 SCHODACK VALLEY RD. CASTLETON NY 12033. 477-4215 FAMILY STORY TIME, E. GREENBUSH COMMUNITY LIBRARY, 10 COMMUNITY WAY, 11 AM. STORIES, SONGS, CRAFTS; ALL AGES. 518 477-7476 POND VIEW FARMERS MARKET, LOCATED IN THE PARKING LOT AT 2500 POND VIEW, OFF MILLER ROAD IN SCHODACK. EVERY SATURDAY FROM 9AM TO 1PM THROUGH SEPTEMBER 28. OVER 20 VENDORS PARTICIPATING. AMPLE PARKING. POND VIEW FARMERS MARKET LOCATED OFF MILLER ROAD IN THE PARKING LOT OF 2500 POND VIEW (NEAR THE SPINNEY). EVERY SATURDAY FROM 9-1 THROUGH SEPT 28TH. OVER 20 VENDORS AND AMPLE PARKING. THE KINDERHOOK FARMERS’ MARKET IS HOSTING A SPECIAL KIDS’ MONTH IN JULY. EVERY SATURDAY THE MARKET WILL FEATURE SPECIAL KIDS EVENTS. THE KINDERHOOK FARMERS’ MARKET - RUNS MAY 4 TO OCTOBER 12. EVERY SATURDAY, 8:30 AM TO 12:30 PM, RAIN OR SHINE. LOCAL FOOD, LIVE MUSIC, FAMILY FUN THROUGHOUT THE SEASON. LOCATED ON THE VILLAGE GREEN IN THE VILLAGE OF KINDERHOOK AT THE INTERSECTION OF U.S RT. 9 (CHATHAM STREET) AND ALBANY AVENUE.FOR A COMPLETE LIST OF EVENTS VISIT HTTP://WWW. KINDERHOOKFARMERSMARKET.COM/ OR CHECK OUT OUR FACEBOOK PAGE. FARMERS MARKET: RIVER STREET IN DOWNTOWN TROY. EVERY SATURDAY FROM 9-2, MORE THAN 78 VENDORS ARE REGISTERED THIS YEAR. FOOD GROWERS, BAKERS, CHEFS AND ARTISANS GATHER TO OFFER THE CAPITAL REGION’S FRESHEST AND FINEST! BUY DIRECTLY FROM THE PRODUCER—THE PERSON WHO GREW IT OR MADE IT AND CAN TELL YOU HOW TO BEST COOK, USE AND ENJOY IT. FOR OVER 10 YEARS, THE TROY FARMERS MARKET HAS BECOME A COMMUNITY GATHERING PLACE WITH LIVE MUSIC, GREAT FOOD, FAMILY ACTIVITIES AND LOTS OF LEARNING OPPORTUNITIES. CRAFT FAIR & FARMERS MARKET THE POESTENKILL FARMERS MARKET & CRAFT FAIR WILL BE HELD ON SATURDAYS, JUNE 8 THROUGH SEPTEMBER 14 FROM 9-NOON ON THE FRONT LAWN OF THE ALGONQUIN MIDDLE SCHOOL, 333 ROUTE 351. IF INTERESTED IN BEING A VENDOR CALL PETE OR KAREN ST.GERMAIN AT 283-4990.
FIRST SUNDAY ALL-YOU-CAN-EAT BREAKFAST, THE CASTLETON FIRE HOUSE, LOCATED AT 11 GREEN AVENUE IN CASTLETON WILL BE HOSTING AN ALL-YOU-CAN-EAT BREAKFAST ON THE FIRST SUNDAY OF EVERY MONTH FROM 8AM TILL NOON (EXCEPT FOR OCTOBER). 2012 DATES ARE OCTOBER 14TH, NOVEMBER 4TH AND DECEMBER 2ND; 2013 DATES ARE JANUARY 6TH, FEBRUARY 3RD, MARCH 3RD, APRIL 7TH AND MAY 5TH. COST IS $7/ADULTS, $6/SENIORS AND $5/CHILDREN AGES 5 TO 11. PHONE 732-4342. Our Towne Rensselaer County ~ Jennifer Felts~518-380-1279
31
OFF SHORE PIER Fish Market & Restaurant Eat-in or Take Out
Fresh from the Market to Your Table
We have the largest selection of both Fresh & Frozen Ƥ for both retail and wholesale customers OPEN MONDAY -SATURDAY ƛȺȯȻɁΎȴȽɀ Clams for ƞȯȺȺΎƫɂȳȯȻɁ˻ Summer Steams! ƤȷɂɂȺȳΎƦȳȱȹΎ̳͘˷̸̸ΎȲȽɈ Sea Scallops Cajun Little NeckCatfish $4.99doz ƬȽȾΎƦȳȱȹΎ̳͘˷̸̸ΎȲȽɈ Little Neck Clams Jumbo Shrimp Top Neck $4.99 doz ƛȺȯȻɁΎ̱̯̯ΎƛɂΎȰȯȵΎ̵̸͘ Clams 200 Ct bag $69 King Crab Legs Salmon Oysters in shell $8.99 doz ƧɇɁɂȳɀɁΎȷȼΎɁȶȳȺȺΎ̷͘˷̸̸ Home Made Seafood Salad Swordfish
ƜȽȼ̃ɂΎȴȽɀȵȳɂΎɂȽ Treat yourself Fresh Fish for to Fresh Fish! ΎȽɀȲȳɀΎ ΎƞƪƝƫƠΎ Your ƫȳȯȴȽȲΎSummer ƨȺȯɂɂȳɀɁΎ ȴȽɀΎ ɇȽɃɀΎȾȯɀɂɇ˻ BBQs & Parties
Sea Scallops Home made ƝɁȾȳȱȷȯȺȺɇΎȴȽɀΎƱȽɃɀΎƨȯɀɂȷȳɁΎ˱ΎƚƚƩ̃Ɂ King Crab Legs Seafood Salad Clams for your Steams 6ZRUGÀVK Jumbo Shrimp Little Neck $4.99 doz Clams 200 ct bag $69 Salmon Top Neck $ 4.99 Clams doz Oysters in Shell $9.99dz Littleneck Off Shore Pier Restaurant
ƥȽȼ˹ƫȯɂɃɀȲȯɇΎ̰̰˶̲̯˹̶˶̲̯Ύ˱ΎƞɀȷΎ̰̰˶̲̯Ύ˹̷˶̲̯ Seafood Platter - $11.95
(lightly breaded fillet of Haddock, Tender Scallops, Tasty Shrimp & Strip Clams with tangy cole slaw & shore fries)
Crab Cake Dinner - $9.50 Scallop Dinner $11.95 Haddock Dinner - $9.95 Sole Dinner - $9.95 Bluefish Dinner - $8.75 $8.50 Scrod Dinner- $9.95 Oyster Dinner -$11.95 Clam Dinner - $8.75 $8.50 Tuna Dinner - $10.95 $9.95
Cajun
Catfish Dinner - $8.75 $8.50 Shrimp Dinner - $9.95 Fish Fry Dinner - $7.25 $6.95 Chicken Dinner - $8.50 $8.75 Trout Dinner - $8.50 Broiled Jumbo Shrimp Dinner - $11.95 Alaskan King Crab Dinner -$19.95 (freshly prepared crab legs with choices of potatoes & salad with melted butter)
All Dinners include Shore Fries, French or Curly Fries, Cole Slaw, Macaroni or Cottage Cheese
637 ƥȽȼȲȯɇ˹ƫȯɂɃɀȲȯɇΎ̰̰˶̲̯˹̶˶̲̯ 3rd Avenue Ext. ~ East Greenbush
ƞɀȷȲȯɇΎ̰̰˶̲̯˹̷˶̲̯
283-9880 ̷̱̲˹̸̷̷̯ OFFSHOREPIER.COM OFFSHOREPIER.com
̵̶̲Ύ̲ɀȲΎƙɄȳȼɃȳΎƝɆɂ͒ΎƝȯɁɂΎƟɀȳȳȼȰɃɁȶ
Catching up with The Asphalt Dr. By Jennifer Felts
Kathy Trong is better known as The Asphalt Doctor throughout the Capital Region. She started her company 21 years ago after working in the family business for many years. Her family has been in the industry since the 1950’s, so this was a natural choice for her. In order to maintain quality control employees are carefully trained and expected to uphold the company’s high standards. Kathy’s husband is a key employee and is responsible for the company’s outstanding paving reputation. The Asphalt Doctor Specializes in residential & commercial pavement installation and maintenance and has received The Angie’s List’s Super Service Award for the past two years. Quality control and customer satisfaction are their biggest priority. Recently, Kathy became a certified WBE (Women Business Enterprise) and is now working on NYS projects. You can be confident in the services offered by The Asphalt Doctor. All paving quotes are accompanied by BBB (independent) customer surveys from previous jobs. With the customer comments on Angie’s List and these surveys, potential customers can move forward with their paving job with complete confidence. Call Kathy today at 518-273-8005 for a free consultation.
Kids Activity Page Sponsored by Discovery Place
Learning Center, LLC Teaching children their way every day!
Jokes Why did the teacher wear sunglasses? (Because her students were bright!) Why was the teacher cross-eyed? (She couldn't control her pupils!) Where did the music teacher leave her keys? (In the piano!) What did the tree say to the math teacher? (Gee, I'm a tree!) What did the pen say to the pencil? (What's your point?!) How do you get straight A's? (Use a ruler!) Why did the kid study in the airplane? (He wanted a higher education!)
ƤȷȻȷɂȳȲΎƫȾȯȱȳΎƙɄȯȷȺȯȰȺȳΎȷȼΎȽɃɀΎ Preschool & Toddler Learning Groups ƨɀȳɁȱȶȽȽȺΎƤȳȯɀȼȷȼȵΎƟɀȽɃȾɁΎ Ages 24 mos to 5 yrs ȴȽɀΎȱȶȷȺȲɀȳȼΎȯȵȳɁΎ̲˹̴
Open House
If you
ƟɀȽɅΎƚȯȰɇΎƟɀȽɅΎƤȳȯɀȼȷȼȵΎƟɀȽɃȾ cannot make
ƫȾȯȱȳΎȷɁΎȯɄȯȷȺȯȰȺȳΎȴȽɀΎ̱̯̰̲˹̱̯̰̳˷Ύ̱ΎɇȳȯɀΎȽȺȲΎȱȶȷȺȲɀȳȼΎ it on the 28th, ȾȯɀɂȷȱȷȾȯɂȳΎȷȼΎȺȳȯɀȼȷȼȵΎȵɀȽɃȾɁΎɂȶȯɂΎȴȽȱɃɁΎȽȼ˶ please call to ̗ΎƝȯɀȺɇΎȱȽȻȻɃȼȷȱȯɂȷȽȼΎ schedule a ̗ơȼȲȳȾȳȼȲȳȼȱȳΎ personal tour Ύ̗ƨɀȽȰȺȳȻΎɁȽȺɄȷȼȵ January 28th 10:30 to 12:00 ̗ƝȯɀȺɇΎƤȳȯɀȼȷȼȵ ƛȺȯɁɁΎȷɁΎ̱ΎȶȽɃɀɁΎȯΎȲȯɇ˴ΎɂɅȷȱȳΎȯΎɅȳȳȹ˷ Openings for All Ages for the 2012-13 school year
& Enrollment
Check our website in September for Kid’s Night Dates 479-1110 & Afternoon Play Gym Hours! 749 Columbia Turnpike East Greenbush between Enterprise & E. Greenbush Diner Owned & Operated by: Tery Duncan, Master of Science in Education Lynn LaVoie-Stephens, Master of Arts in Speech Pathology
479-1110
SATURDAY HOURS & INDOOR PLAYGYM Check website or facebook for information
www.discoveryplaceny.com
Backpack Coloring Activity
Our Towne Rensselaer County ~ Jennifer Felts~518-380-1279
33
Who Moved My Wealth? PRESENTED
BY
KENNETH P LANE, MBA, AIF®
Currently, trillions of dollars are being passed from aging parents to their children. But there is a second, significant movement of wealth also occurring. That wealth will go instead to the health care system—specifically, to caregivers, assisted living facilities, and nursing homes. The reason is simple: most Americans have no plan in place to cover the potentially enormous costs of long-term care.
Watching an inheritance slip away
As they age, many may have to divert their income and savings and liquidate assets to pay for uncovered health care expenses. Children expecting an inheritance instead see their parents spend as much as $50,000 to $150,000 annually for long-term care, with little left to inherit.
Questions to consider If you are considering a plan for long-term care, ask yourself these questions: • • •
How would you feel if your plans to bequeath money to loved ones were significantly altered by foreseeable events? How would you feel about spending thousands of dollars per month for uncovered health care expenses? Would you want to have (or wish you had) a long-term care policy?
A Solution for every situation
The best way to ease everyone’s worries is to put a long-term care plan in place. Several types of long-term care strategies are available. These include traditional policies requiring annual premiums, linked-benefit policies provide both long-term care coverage and a death benefit if long-term care is never needed, and cost-sharing options offering lower benefits but covering the difference between expenses and income. Although some people won’t qualify for long-term care insurance, there is an appropriate solution for almost everyone.
Besides preserving estates, a long-term care policy can provide other important benefits, including: •An income stream: In a family’s time of turmoil and need, think of the difference an extra monthly check might make. •A choice of where to get care: A long-term care policy offers more freedom to get care where you want, rather than making a nursing home the only option. •“Concierge services:” Besides receiving monthly income, you get the services of a care coordinator to help you develop a plan of care, hire the right people as caregivers, and assess the home for safety. •Peace of mind. A long-term care policy removes the temptation to decrease care to protect an inheritance. If you value your legacy plan and want to feel good about taking care of your loved ones, a long-term care plan can go a long way toward protecting your wishes.
Please join us at our next seminar September 24nd at 6:00 p.m. as we discuss life insurance and linked benefit options. Space is limited so please rsvp by calling 518-477-5468. Kenneth P. Lane is a financial advisor at Center Square Asset Management is located at 1651 Columbia Turnpike, Castleton, NY 12033. He offers securities and advisory services as a Investment Adviser Representative of Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Advisor. Ken can be reached at 518-477-5468 or at KLANE@CENTERSQUAREASSET.COM. © 2013 Commonwealth Financial Network®
The Back Pack Program By Patrick Ciraulo Capital District YMCA District Executive Director Greenbush Area Branch Summer is coming to an end and the new school year is right around the corner. One of the greatest things about going back to school is getting new school supplies. The awesome backpack, cool notebooks and all the pencils, pens, and crayons you can stuff in your backpack. For some parents, being able to provide their child with these items is a true challenge because they are having a difficult time making ends meet, are dealing with an economic hardship, have lost a job or are helping a family member who is ill. Each day, there are children in our community who looking forward to the start of school because they have no new clothes or the supplies they need to help them succeed. Education is one of the most important parts of a child’s development and the Greenbush YMCA is trying to help make sure all children start the school year ready to succeed. Our Childcare Coordinator, Alysha Branch has contacted local school districts to learn what’s needed for students in each grade. Armed with this information, we’ve created a school bus in our lobby which has laminated backpacks and a list of school supplies on the back. We had 50 backpacks to fill, and our members have come through. As of today, we have filled every back pack on our bus! There is still a great need in our community, to help children prepare for school. If you would like to help, please let us know. We have a school supplies box in our lobby with the yellow school bus, and we welcome your donations to help us support our students. For more information, please call Alysha Branch at 477-2570 ex. 1220. Our Towne Rensselaer County ~ Jennifer Felts~518-380-1279
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“My favorite poem is the one that starts 'Thirty days hath September' because it actually tells you something.” Groucho Marx. NOTE: This will not be an article reminding you how Summer is now over (insert screaming here). This article instead has some helpful advice we learned from our many adventures year to date:
1.If you own a pickup truck, add at least one extra leaf spring on each side. I use Albany Spring (awesome) and for around $300 you will increase the carrying capacity and save your suspension for when you have occasional heavy loads (like sand, lumber or sheetrock). Makes a HUGE difference and although the truck rides higher in the rear, it should feel more stable and handle better. 2.Add Sea Foam brand fuel additive to your gas tank every 3000 miles. I tested several other brands and Sea Foam was the best. Follow the instructions and you should increase your gas mileage at least 1-2 miles per gallon or more. It will pay for itself on the first fill up. Go to Advance Auto and buy the gallon size for $51.99. Join their mailing list and use a coupon to save more money. 3.For road safety buy a kit of 3 reflective emergency road triangles ($16-$28 on Amazon) for each vehicle you own, especially family cars. They are not expensive and if you breakdown you will be really glad you have them. 4.If you get stung by bees (I got stung 50 times the other night) GO TO THE HOSPITAL IF YOU AREN’T SURE YOU ARE ALLERGIC. Just go! You will start to feel sick in just 20-30 minutes. The worst part is the itching. The best treatments I found were a) toothpaste, b) ice and c) baking soda/cider vinegar paste. Honey and peanut butter work too, but then you have to worry about bear bites so I’d stick with toothpaste. As a bonus my arms, legs and back are now all cavity free and without having to floss, which is nice. Our company is Scrapster, LLC, the Capital Region’s premier NO COST scrap metal and appliance removal and recycling service. We additionally offer LOW COST junk removal, TV pick up and clean outs. We are convenient, reliable and insured. Everything is properly recycled, disposed of or donated. We are a New York State DEC approved location for business or personal computer and electronics recycling and are also now fully EPA608 certified for Freon (refrigerant) removal. Scrapster will remove the items from exactly where they are located-you don’t need to do a thing. “Don’t Worry…We Can Take It!”™ Please call us anytime at (518) 505-5055. Please also visit our website at www.scrapster.com.
Our Towne Rensselaer County ~ Jennifer Felts~518-380-1279
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Our Towne Rensselaer County ~ Jennifer Felts~518-380-1279
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