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We're with you... T A B L E O F C O N T E N T S DrHoGeneralDentistrycom | 3152983437 ClearPath4Vetscom/ | 3156873300 BvilleDiner.com | 3156353180 3153030287 3153036100 KWFitnessNYcom | 3154003252 TilliesTouch.org | 3152548569 3154725297 InvestSenecacom | 3157534034
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JOSEPH VITALE
Do you have a good story to tell? We want to hear it and celebrate with you. Because wherever you're at on your unique path, and whatever season you're enjoying, we're with you... For life's journeys.
Journeys is proudly created in partnership with Angela Moonan, LLC | blue i marketing
SenecaSavings.com InvestSeneca.com
With school in full swing again, we're reminded of efforts to help our children learn independence and what it means to cultivate a positive relationship with their money.
President&CEO,SenecaSavings
To every season there is a purpose. This harvest season we celebrate your true stories, your diligence, your passion for community and family, and the moments that matter most.
Farmers take to the fields with enthusiasm for the Fall crops they've worked so hard to cultivate Local business owners take stock of all they've accomplished, while focusing on finishing the year strongly.
JOURNEYS | 3
Welcome to the Fall issue of Journeys. Harvest time is special in Central New York. It's a time to reap the rewards of seeds planted through the Spring and Summer months. Fall festivals, apple picking, hayrides and backyard firepits, along with a fun Friday night football game, help us all cherish the moments that matter most.
...For Life's Journeys
There's little doubt that at times in today's world, certain aspects of work and life can seem uncertain. But the one thing that always shines a light down the path is the assurance from our friends, our family, our neighbors, our business partners, and certainly, the wisdom in knowing the seasons will return again and again. Thank You for joining us, and we hope sharing, these true and inspirational stories of local people making a difference and always looking to the horizon.
Beingapartofacommunityisessentialingaining one'strust,especiallywithdentalcare.Dr.Hohas donejustthatinhis10yearsofpracticingdentistryin Pulaski.Heandhisteamofcaringprofessionalsstrive forexcellencewitheachandeverypatientwhoenters theirdoors.Dr.Ho'sgoalisforpatientsto"haveanice, healthy,beautifulsmileforalifetime."
JOURNEYS | 4
Upon graduation from Nottingham High School in 1996, Dr. Ho earned his Bachelor of Sciences degree in Chemistry at Syracuse University in 2000 and Doctor of Dental Surgery degree at Stony Brook School of Dental Medicine in Stony Brook, New York in 2004. After completing the residency program in general dentistry at S.U.N.Y Upstate Medical University in Syracuse, he gained his experience working for various dental practices before opening his own practice in 2012
Dr. Ho & Staff
Witheverycareplan,Dr.Hoencourageshispatientsto keepupwithgooddentalhealthsotheycansmilewith joyandpride,eatthefoodstheyenjoythroughouttheir entirelifetime,andlivehealthylives.
Creating CSmiles... reating Smiles...
Nhan K. Ho, DDS, PLLC
to Last a Lifetimeto Last a Lifetime
DuringthePandemic
Aftertransferringhisbusinessaccountstoseveral differentbanks,Dr.Hosayssinceworkingwith SenecaSavingsheislookingforwardtoafantastic year.
Dr.Hohassomesoundadvicetothosewhowishto enterthefieldofdentistry: "Ifyouenjoydentistry,treatthepatientslikeyouare treatingyourfamilymembers."
Dr. Ho conducts his business relationships much like he does his practice: Personal, trustworthy and helpful. This is why he enjoys working with Seneca Savings.
Dr. Ho & Laurie Ucher
Inspiredbythecurrentprogressintechnology,Dr.Ho makessurehekeepsupwiththeeverchanging advancesinthedentalfield.Withthesenewpractices, Dr.Hoknowsintheendithelpshispatients' experienceandresults.
DRHOGENERALDENTISTRY.COM
Throughoutthepandemicwhentheconditionsfor patientvisitsweresuchachallenge,Dr.Hoandhis teamwerevigilantwithessentialprotocolstokeep theirpatientssafe.Asfornearlyallbusinesses, itwasadifficulttime,buthisteamandpatients adapted.
Nowwithsomesenseofnormalcyreturning,Dr.Ho keepsthesamefocus:thepatient'soralhealthand theirsubsequentqualityoflife.
JOURNEYS | 5
Dr.HoexpressesthatthepeopleatSenecaSavings understandwhatyouneed...andthatisknowledgehe cantrust.
D JOURNEYS | 6
Forthosewishingtogointobusinessforthemselves Kenadvises“Youreallyneedtostayfocused.Just becauseyousayyouwanttostartabusiness,youaren’t guaranteedsuccess.”Kenalsosaysyouneedtoknow whatyou’redoing,whetherit’sthelegalsideofthings orthedaytodaybusiness.“Ifyoudon’tknowhowtodo something,realizethisearlyonandfindsomeonewho canadviseyou.Youneedtodothisbeforeyoujump intosomethingyouknownothingabout.Ifnot,you’ll haveaslimchanceofmakingithappen.”
FacingandOvercomingChallenges
Ken’sexcellentreputationisaresultofhishardwork anddedication;heandhiscompaniesareinhigh demand,andhisclientstrusthimtodoaqualityjob. Nowwiththreebusinesses KinseyCarCompany, TKTD,Inc.andTKTDGeneralContracting Kenis workingharderthaneverandlovingeveryminute ofit.
“Weprideourselvesinmakingplaces betterforpeoplethanhowwefound it.”
Whenaskedtoreflectonsurvivingthepandemicas wellastheaftereffectsKensaysthemainissuewas alwayslabor.“Tryingtokeepemployees,tokeepthem motivated,togetpeopletoactuallycometoworkwas andstillisdifficult.”It'sanissuethatheisconstantly addressingandunfortunatelyslowsdownoperations. Heishopefulthatthingswillimprove,andpeoplewill getbacktowork.
“Backinthattime,youreallyhadto becreativeintryingtoputthedeal togetherbecauseyoureallydidn't havethecapital.” Ken
KenKinseyknewatanearlyagethatifhewasgoing tosucceedinlifehehadtoworkhardandstay focused.Growingupinalarge,economically challengedfamily,Kenlearnedthevalueofmoneyby workingvariousjobs.Whetherhewascuttinggrassor deliveringthelocalnewspaper,hisdreamofowning hisownbusinesswasalwayspresent.Kenhadadrive inhimthatkepthimfocusedonhisfutureendeavors. Aftercollege,Kenandhisbrotherbegantheir journeyofentrepreneurship.Usingcreative resources,theypurchasedtheirinitialinvestment property.Oncethefinancingwasinplace,theyknew theywouldhavetoprovethemselvestoshowthey werebankable.Tosavemoney,theydidmuchofthe workthemselves,makingthechoicetoworkinstead ofplay.Thisworkethicallowedthemtopayofftheir debtsfasterandsecurefuturefunding.
AdvicetoFutureEntrepreneurs
Despitetheirsuccess,thebrothers’businessinterests changedovertime,andKensetoutonhisown, formingTKTD.Inc,ahousinginvestmentcompany.
WordofMouth
on'tbeafraidtoaskquestions.Don'tbeafraidtogoandtalkto people,andtrytogetasmuchknowledgeasyoucanbeforeyou justjumpoutthere”
Kenrecentlypurchasedabuildingheisconvertinginto awarehousewithofficespaceforhisbusinesses. With thebuildingnowfurnished,Kenislookingtoutilizeit forhisgeneralcontractingbusiness.
SowheredoesKengethisinspiration? “Mymomwas alwaysthereformeandworkedsohardtomakesure wehadfoodonthetable.Despitebeingalargefamily, weneverwentwithoutbecauseshealwayslookedout forus.”Recentlycelebratingher104thbirthdayinJuly, Ken’smomhasbeenabletoseehersonbecomethe successfulbusinessmanheistoday.Kenwillalways appreciateherdedicationtofamilyandbeingoneof hisbiggestsupporters.“Isawhowhardsheworked. That’swhatkeepsmefocusedandkeepsmegrounded today.”
A great friend of Ken who has now since passed, George Relas, introduced him to Seneca Savings. He has enjoyed his relationship with Seneca Savings over the last 20 years, sayings it has grown and improved over time. “It’s a great place to do business with and they make you feel like part of the team, part of the family.” Ken likes the way he feels when entering the bank, the sense of community because they know him and appreciate him. Through all the challenges these last few years, especially with the Payroll Protection Program (PPP), Joe Vitale, Angelo Testani and their team have shown Ken that Seneca Savings genuinely cares about their customers. He appreciates their availability to him and their knowledge in all aspects that affect his business.
Why Seneca Savings?
“Seneca Savings gives all businesses an opportunity, regardless of their size. And that’s a great opportunity for investors. People like me.”
D JOURNEYS | 7
OntheHorizon
Inspiration
WalkinginthequaintvillageofBaldwinsville,you'll discoveralovelynewbistro,namedforit'slocale.At 1WestGeneseeStreet,you'llfindownerandChef, CarrieLaug,alongwithherteam,servingupsmall platesanddeliciouscocktailsthatpleasethepalate. BG1openedamidstthepandemic."Therewasa previousbusinessinherethatawomanhadopened justsixmonthsprior,"saysCarrie."Shedecidedshe wantedtomovetoFloridaandwantedtoknowifIwas interestedinbuyingthebusiness.Ithoughttomyself "There'snogreattimetoopenarestaurant.Soyes,let's doit!"Carriehadalwaysthoughtshe'deventuallyopen herownplace.Itwasahugecommitment.Itwasa littlescary,alittletouchandgo,butshe'shappyshe didit."Thestarsjustaligned.Everythingwasperfect. Ihadthis,Ihadthat.Icoulddothis,Icoulddothat. So,thetiming,thecircumstances,italljustworkedout andI'msogladIwentforit.I'mhappy!
OtherchefsinspireCarriebutherfondestmemoryis timeinthekitchenwithhergrandmother.Her grandmadidalotofcookingwhenCarriewas younger.Hergrandmotherwasawaitressandfrom
Eat.Socialize.Repeat.
StayingInspired
BiggestChallenge
Carrielovestocook.Shelovespeople'sreactiontoit. "Everytimesomeonesays'Oh,thisissogood,'Ilove that.AndIjustlovetheinteractionwiththe community.Peoplearesogreat.Peoplehavebeenso nice.Soresponsive.Soit'sbeenreallyfunsofar."
JOURNEYS | 8
Bistroat1WestGeneseeStreet
COVIDhasbeenthenumberonechallengefor Carrie.SheboughtinDecemberof2020,atthe heightofalltherestrictions.Masksandtakeoutonly weremandated.Carriecouldn'thavepeopleinthe Bistro."Youjusthavetoadapt,youhavetoadjust. AndIhadaverysmallstaff.Istillhavesomeofthem herewithmethatthatstayed,whichI'msothankful for.Itwastough,youknow?Butwepowered through."Slowly,everythingstartedgoingbackto normalforCarrie'sindustry.Peoplestartedgoing backintorestaurants,andnow,peoplegotoBG1for anexperience.Theydinethentheystayafterdinner andhavecocktails.Thingshavegrownmucheasier.
"Luck is where hard work and preparation meet."
Changingmenus,changingseasonalitemsanddrinks, Carriedoingwhatshedoesbest.Beingcreative, experimenting,presentingnewthings."It'simportant alwayskeepfreshandnewthingshappeninghere.Peo getbored.SoIgetbored!"Fallisalwaysafuntimewith ofthingsgoingonatBG1andinthecommunity.Speci drinksandplateswithpumpkin,squash,heartiersoup dishes."Therearealotofcoolthingsyoucandowith squash,"Carrielaughs.
JOURNEYS | 9 thesouth.So,goodsoutherncookingisinCarrie'sblood. "Iwouldspendtimewithherinherkitchen.Thesouthern cookinghasalwaysresonatedwithme,whichisawesome. Ilovecreating,Ilovethecreativesideofdifferentdishesand justmakingrandomthings.Inthelastfiveyears,Carriehas reallydoveintohercooking.Shetakesbig,heartydishesand turnsthemintosmallplatesforeveryonetoenjoy.
ATrueCommunity
Joyful,HardWork
Owningarestaurantisahugecommitment.Carriesmiles andsays"It'slife,right?I'mhere12to14hourseverysingle day,sixandahalfdaysaweek.Mondayswe'reclosed,but I'mhereMondays.It'shardwork.Tobeinthisbusiness, you'vegottoloveit.Ithastobeapassion."
UntilCarrieandherteamhadtheopportunitytoserve Baldwinsvillecommunityonadailybasis,theydidn'tr howclosethecommunityactuallywas.Carrieaddstha "SenecaSavingsisabigpartofthat.They'realocalbank h I'veseenalotofpeopletransitionedoverto.Theyget involvedinevents,thingswiththeChamberofComme theybringtheirteaminhereforteammeetingsand luncheons...they'vebeengreattoworkwithformy business.It'ssonicetoseeeveryonesupportingeveryo else.AndwhenIwalkin,they'resowelcoming!They'v goneaboveandbeyondforme.Ifyouneedthisorthat they'lldowhattheycantohelpyou.SenecaSavingsre caresabouttheircustomersandourcommunity.
"To be in this business, you've got to love it. It has to be a passion." Carrie Laug
Carrie takes a short break to catch up with Barbara Clark, Baldwinsville Branch Manager at Seneca Savings
Carrielivesjust20minutesfromBG1inElbridge.She's alwayslivedinthisarea."IwalkedthesestreetswhenI young.Andnow,Iownmyownrestauranthereandge servepeopleandmakethemhappy.I'mverylucky!"
StayingCreative
A huge supporter of area little leagues and our very own Syracuse Mets, Joe enjoys America's favorite pasttime with his son Nico.
Guest bartending before The Big Chill Event at WT Brews, Baldwinsville
Joe with some of his leadership team at the Great New York State Fair 2022
On the Go! with Joe
Joe appreciates the warm welcome and ongoing partnership with the B'ville Diner. Here he shares a laugh and a cup of coffee with owner, Jim Orlando.
JOURNEYS | 10
To learn more about ways you can connect, grow, and take charge of your financial experience, visit SenecaSavings.com VIDEOCHAT ONLINE APPOINTMENT SCHEDULER FREECARDMANAGER Letsyoucontrol& Turnyourdebitcardoffand on Placedollaramountlimits Bealertedtopotentialfraud Getrealtimebalanceson youraccounts protectyourdebitcard Download Apply Pickatermanddone! Nocreditscoreimpacttoapply. FixedAPR,FixedInstallment NoFeesNoDrama QuiloResponsibleCredit:Creditwithoutthebacklash! Whatwouldyouliketobuy?Quiloit! Quilomakesiteasy,just... TM TRANSFER NOW for Online Ease TM TM
Stellaisouronlineinteractivechatbotfilledwith answersformanyfrequentlyaskedquestions.Shecan tellyouhowtoapplyforaloan,whattodoifyoulost yourdebitcardandhowtochangeyourpersonal information.
Stellaisavailable24/7toanswerquestions.During businesshoursyoucanuseStellatospeaktoalive agentdirectlyatSenecaSavings.Becauseofthisyou willreceivethesamefriendlyserviceyouexpectfromus. Stellaisaquick,andeasysolutiontomanycustomer needsanywhere,anytime.
WithaClick youcanSWITCH! Youraccountsthatis Don'tput upwithbadserviceelsewhere Justcheckoutourtruereviews onlinetoseeforyourself... Switchingallyouraccountsto SenecaSavingsisfast'neasy withClickSwitch! JOURNEYS | 11
"HOWMAYIHELPYOU?" GETTINGTOKNOW STELLA
Helpyourchildrenunderstandthedifferencebetween somethingtheywantandsomethingtheyneedsothey canprioritizehowtospendmoney.Considerusingan examplesuchasclothesandtoys.Whiletoysare somethingwewantbecausetheyarefuntoplaywith, clothingissomethingweneedtostaywarmanddry.It's importantthatyourchildknowswantsarelessimportant comparedtoneeds.
Holdyourcellphonecameraupto thisQRCodetolearnmoreaboutchecking andsavingsaccountoptionsforyourchild
Budgetingteachescriticalsavingsandspendingskillsthat kidscanusetoachievefinancialhealthinadulthood.By teachingkidsthebasicsofmoneyandhowtocontrol moneythroughabudget,you’llbepreparingthemforthe financialrealitiesofadulthood.
Definewantsvsneeds
Onegreatwaytoteachkidsaboutresponsiblespending istoestablishanallowance.Howmuchyougiveisup toyou,butanyamountcanbeagreatwaytoteachkids aboutmoneybasics.Anallowanceshouldbeseenlike earningapaychecksomethingearnedratherthana howyourchildplanstospendtheirmoney.Parentscan begintoteachlessonsaboutbudgetingandspending goals.Onewaytostartistoestablishastudentchecking andsavingsaccounts.Startbyagreeingtoasavingsplan andwhatthey'dliketosavefor.
JOURNEYS | 12
Establishanallowance
AT YOUR FINGERTIPS THIS FALL!
TeachingOurChildrenAboutMoney
Seneca Savings University "SSU" offers FREE financial wellness tools, videos, resources online: senecasavings.com/videotutorials/
Startbyusingreallifeexamplestoteachkidsabout budgetingsotheycanrelatetothelessons.Asmoney topicscomeupinyourhouseholdandyourkidsare around,talkaboutitasopenlyaspossible.
Whyisbudgetingimportantforchildren?
Onewaytodothisistoincludeyourchildreninbasic financialdecisions,likegroceryshopping.Explainwhy you’veestablishedabudgetforgroceryshoppingandwhy it’simportanttocreateashoppinglist.Askyourkidsto helpyoucomparepricesandexamineproductclaims. Aretheresimilarproductsthatarelessexpensiveand budgetfriendly?Thisopensthedoortoconversations aboutwhysomethingscostmore.
Howtostarttheconversation
Helpful Tips
Createavisionboard
2
3
1 JOURNEYS | 13
Createachartoraledgertohelpyourchildkeep trackoftheiraccount.Everytimeyourchildearns money,allowthemtophysicallydeposititintothe bank.Askyourchildtohelpyourecordthedeposit andkeeptrackofhowmuchmoneyisintheaccount. TheJourneytoresponsiblemoneyhabitsstartsby havingconversationsathome.Therearefreeonline resources,toolsandtipstohelpyouonyourjourney.
Listen to The Journey wherever you get your podcasts!
Beginhelpingthem understandthedifference betweenwantsandneeds
...for teaching children how to budget their money. It's more important now than ever before. Letyourkidshelpyougrocery shop&costcompare!
Oneideaistocreateavisionboardwithapictureof theobject.Afewideasmaybeatriptoan amusementpark,afavoritetoy,oranitemofclothing theywant(butdon’tneed).
JOURNEYS | 14 ii
What'sCookin'
Thesedays,theOrlando’sownjustacoupleof buildingsalongsidetheiconicdinerthatsitsin theheartoftheBaldwinsvillecommunitythatJimand histeamhelpedshape.TheB’villeDineristheplace everyonegoesbeforethegameandafterthegame.
Jim Orlando, Owner of the iconic B'ville Diner that sits in the heart of the village of Baldwinsville, understood early on that the diner belongs to the people.
ChangingHands
Todayyou’llfindthateverypieceofequipmentis brandnew...there’snothinginthebackofthehouse that’soriginal.Thekitchentodayisawesome.You’ll seegranitecountertops,allnewboothsandbathrooms andfloors.Jimlaughssaying“Thefloorswearout alot…thatmeansyouhavecustomers!"
It’sjusthome.“Welovethepeoplethemost.Our employeesandourcustomersarelikefamily.”
maginingthepossibilitiesisapartofwho JimOrlandois…it’sinhisDNA.Asthethirdowner oftheB’villeDiner,JimandhiswifeLauratookitover in2001aftergarneringareputationforrenovating severalotherbuildingsandbusinessesinthe Baldwinsvillearea.“WhenIstarted,Iwasbuying everythingIcouldgetmyhandson.I’dtakea rundownbuilding,getitlookinggood,getagood tenant,andthensellit,”saysJim.Whetheritwas B&Bautobody,thePatisseriebakery,Bridgewater Grill,orBidwell‘s…itseemslikeJim’sbeen renovatingallhislife.“I’maguythatworks.Iloveto workwithmyhands.”
"Welovethepeoplemost.Our employeesandourcustomers arelikefamily."
Jimwouldgointothedinerallthetimeasacontractor withallofhisguys.OnedayDaveYounis(theYounis familyownedtheB’villeDinerthelongest)wantedto talktoJim.“Ifiguredhewantedmetorenovatethe place.Idon’tworksowellforotherpeople…Iknow Icanpleasemyself!ButthenDaveaskedme somethingcompletelyoutoftheblue…HeaskedifI wouldbeinterestedinbuyingthediner.Ialready workedsixdaysaweeksoIsaidno.Buthekeptafter me.Iaskedhim‘Why me?’Myfamilywasin therestaurantbusiness inBuffalo,myuncle, butIwasn’tarestaurant guy.I’llneverforget whathetoldme.Hesaid ‘Myfamilyhasbeenin thisvillagesince1950 andithasn’tchangeduntilyougothere.Iknowyou’ll takecareofmybaby.’So,therestishistory.Igotto doingwhatIdo.IcreatedabucketlistandIstarted renovating.”
JOURNEYS | 15
Jimstatesthatwhenhefirststartedoutinbusiness anddidn’thavemuch,itwastoughtogetthebanks tosupporthim.Butheworkedhardandcreateda
They’re great peopl
Whenever you walk into a branch, they know who you are and they know your business.
ThenJoeVitalefromSenecaSavingswalkedinto thediner."IknewhisfamilyfromAuburn becausethey’recontractors.IknewofJoebut didn’tknowhimpersonally.Butbecausehewasa VitaleIsaid‘Youknowwhat?He’sgoodpeople… I’mgoingtotellhimmystory.” AngeloTestani,Ireallylikedhimf evious bank.So,bothofthemandtheSen gs teamhelpedmealotwithacouple ent projects,includingthediner.
Weinstalledanairconditionedkitchen theonly, ifnotoneofafew,inSyracuse.Becausethereare twoheartbeatsinanyrestaurant,thekitchen(and they’rehappywhenthey’recool,andhaveeverytool theyneed).Andinourcase,theladiesoutfront. Ourplaceisfunbecauseofthemnotbecauseof me.”Krystalrunsthefrontofthehouseandshe’s asuperstar.ShetoohasbeenwiththeOrlando’sthe wholetime.“MywifeLauraisveryinvolvedwiththe businessespeciallywithouremployees.Ifyoustay withusfor10yearswesendyouandyourfamilyto DisneyWorld.Infact,thisFall,Krystalisfinally gettingupthecouragetogetonaplaneandshe’s going!IlovegoingtoDisneyWorldasacontractor toseehowtheybuildeverything!”
ItTakesaVillage
Jimhadrenovatedsevenoreightbuildingsbefore heboughtthedinerbuteventhen,nooneknew whohewas.Onceheboughtthediner,everyone startedtoknowwhohewas!Itdidn’ttakelongand Jimstartedtoreallyunderstandthevibeandfeelof theplaceandknewthatitwasn’thisdiner.“This villageownstheB’villeDiner”saysJim.Thesame prepchefshavebeenmakingeverythingfrom scratchfor20years.HowieandScottyhavebeen withJimsincethebeginning.“I’vealwaysdonemy besttotakecareofmyemployees.
StartingOutCanBeTough
reputationforhimself.Despitethat,hewasgoing todifferentbanksandlearnedveryfastthatin mostcasesthedecisionswerenotmadeinthat bank.“Crazyme.Ithoughtitwouldbeacakewalk togetfinanced.ButIwouldheartimeaftertime ‘I’msorryJim.Ican’thelpyou.’Jimmadea decisionthathewasdonedealingwithbanks wheretheydidn’tknowhimandthedecisions weren’tmadethere.“Thosebanksknewnothing aboutmytownoraboutmydiner,"saysJim. LocalMatters
JOURNEYS | 16 Game-ChangingAdvice IfJimhasanyadviceforanyonestartingoutinbusinessoranyonereinventingthemself,hesaysdowhatyouenjoy. Don’tdoitforthemoney.Dowhatyoulove,dowhatyou’regoodat.Ifyougetupeverydayandyou’redragging yourselfintowork,you’renotintherightplace.ThenwithachildlikeenthusiasmJimsays“Igetupeverydayand
MywifeLauragoesintothebankallthetime.Idon’tget achancetoasmuchanymore,buttheystillknowme evenafterayearofnotgoingin.It’sthebanking relationshipI’vealwayswanted.Itfeelslikethediner! There’saphraseIuse‘Treatpeoplethewayyouwant tobetreated.’Thatgoesforwhetheryou’reinthe restaurantbusiness,theconstructionbusiness,orin banking.ThepeopleatSenecaaregoodatthat.You don’tfeellikeyouneedtobehumbleandonyourknees. They’reverygoodatwhattheydoandthey’revery respectfulofme,myfamilyandmybusiness.”
Everyoneintherestaurantbusinesswashitandhit hardbythepandemic.AccordingtoJim,itwashis daughterAmyandherhusbandZachthatreallywere theoneswhodrovethedinerthroughCovid.Jimsays “Theydidagreatjob!Atfirsteveryoneofcoursewas verynervousandtheywantedtoclose, soweclosed.Afteracoupleofmonths, CrystalandDanourmanagers,askedif wecoulddotogoorders.Theysetitall up.Theywereawesome!Theymadeit happen.”
TheImpactofCOVID
TheGoldenRule
Featured left to right: Jim Orlando, Krystal Angelo Testani, Joe Vitale
BVILLEDINER.COM
Whenthedinerreopeneditwasimportant toJimandLaurathatcustomersfelt comfortable.Theydidn’twanttheCovid signseverywhereandeverythingseeming coldandnotlikewhattheircustomerswere usedto.Tablesthatneededtobeclosed, theyputflowersonthetables(andyes,they didhavecustomerstakesomeflowers).ButJimsays itwasallworthit!Theyputinnewboothsthatwere tocodebecauseJimhatedtheplexiglass.Everything theB’villeDinerdoesisaboutB’villepride.The murals,theyellowthatwastheoriginalexterior colorofthediner…“Alloftheschoolteams we celebratethemandtheycelebrateusandtheyknow thisishomeforthem,”saysJim. I’mexcitedbecauseIlovewhatIdo!IgointothedineronSaturdays,Iworkinmyofficeinthebasementand Iloveit!I’minFloridanowduringthewintermonths,butpartofmyheartisandalwayswillbeatthatdiner.I’ll alwaysbesurethatouramazingstaffhavethebestresources,tools,andthebestenvironmenttheycanpossibly have,todotheirbestworkandwelcomeandserveourcustomers.Evenifthatmeanspullingoutajackhammer again!Mykidssaytome‘Dad!Youcan’tjackhammer,you’re63!SothenIshow'emhowit’sdone.”
"What would revitalize you?" Some people retire with no particular goals at all. After weeks or months of respite, ambition may return. They start to think about what pursuits or adventures they could embark on to make these years special. Others have known for decades what dreams they will follow… And yet, when the time to follow them arrives, those dreams may unfold differently than anticipated and may even be supplanted buy new ones. In retirement, time is really your most valuable asset. With more free time opportunity for reflection, you find your dreams away.
Important Questions to Ask Yourself Today
Taxlawsareconstantlychanging,andthestrategiesthat workedyearsagomayhavemorelimitedbenefitstoday. Keepinmindthisarticleisforinformationalpurposes onlyandit’snotareplacementforreallifeadvice,so makesureyouconsultyourtaxorlegalprofessional beforemodifyinganypartofyouroverallestatestrategy. "Howareyoupreparingforretirement?"Thisisthe mostimportantquestionofall.Ifyoufeelyouneedto preparemoreforthefutureorreexamineyourexisting strategyandlightofrecentchangesinyourlife, confirmingwithafinancialprofessionalexperiencedin retirementapproachesmayoffersomeguidance.
"How much do you anticipate spending?" We can’t control all retirement expenses, but we can manage some of them. The thought of downsizing your home may have crossed your mind. One benefit of downsizing is that it can potentially lead to no mortgage or a more manageable mortgage payment.
JOURNEYS | 18
“The key to successful investing is to focus on your goals
Greg
"How do you picture your future?" Some see retirement as a time to start a new career. Others see it as a time to travel. Still others plan to spend more time with family and friends. With that in mind, here are some things to consider...
"Who should you share your time with?" Here’s another profound choice you get to make in retirement. The quick answer to this question for many retirees would be 'Family.' Today, we have nuclear families, blended families, extended families, some people think of their friends or their employees as family.
InvestSeneca.com 925 State Fair Blvd Syracuse, NY 13209 315 753 4034 Office Boshart, Program
"What do you absolutely need to accomplish?" If you could only get four or five things done in retirement, what would they be? Answering this question might lead you to compile a short list of life goals, and while they may have nothing to do with money, the financial decisions you make may be integral to pursuing them.
"Could you leave a legacy?" Many of us would like to give our kids or grandkids a good start in life, but leaving an inheritance can be trickier than many realize.
and to follow your plan. The surest way to get off course is to be focused on the market and current events. Nothing gives you a sense of certainty like a solid Financial Plan. I guide your plan with experience, empathy and confidence.” - Greg Boshart
Greg.Boshart@LPLFinancial.comManagerEthanDolce,FinancialAdvisorEthan.Dolce@LPLFinancial.com Thiscontentisdevelopedfromsourcesbelievedtobeprovidingaccurateinformationtheinformationinthismaterialisnotintendedastaxrellegaladvise Itmaynot beusedforthepurposeofavoidinganytaxpenalties Pleaseconsultlegalortaxprofessional‘sforaregardingyourindividualsituation Thismaterialwastoandby FMsuandatopic Andsuyourcanoptionforthepurchaseorsaleofanysecurity CopyrightFMGsuite
Amotheroffive,AllisonHandworkhaslivedinBaldwinsvillefornearly15yearsraising herchildren,whorangeinagefrom2to22.WhenCOVIDshutdownherbeautybusiness, Allisonputhermindtoworktodosomethingpositiveforothersduringsuchadifficulttimein hercommunity."WhenmyoldestsonCarterjokedsayinghewantedtoownasmoothieshop someday,Isaid,YES,let'sdothat!ItaffirmedformeIwasheadedintherightdirection,"says Allison."It'safullhouseheresothere'splentyofinspirationtogoaround.Mychildreninspire meeverysingleday.Myfatherwasahugeinspirationtome.Hewasincrediblysuccessfulinhis careerandalwaysbelievedinme.Hepassedawayshortlybeforewedecidedtodothis.Hewas kindoftheregivingmesignsalongtheway,lettingmeknowthatthiswastherightmove."
APositiveHealthyOptionFortheCommunitySheCallsHome
SourcingLocally
Openingalmostayearandahalfago,Allisonwantedabusinessthat herwholefamilycouldbeinvolvedwith."Iwantedaplacein Baldwinsvillewhereallageswerewelcome,somewherethehigh schoolkidscouldcomeafterschool.IthoughtBeeYoucouldbea reallypositive,healthyoptionforkidsandbeaperfectfitforthe community."
JOURNEYS | 18
ThePerfect,BeautifulSpace
FindingherbeautifulspaceintheheartoftheBaldwinsvillevillage, Allisonjustknewitwouldbetheperfectfit."Ilovecomingtowork hereeverysingleday.Ilovebeingunique.Ilovediscoveringwhat theneedsandthewantsofthecommunityare,beingrelevant,and stayingontopofhealthtrendsthatmattertopeople."Findingfun anduniquewaystobringdifferent,healthyoptionstothe communitybringsAllisonsuchjoy!Recently,BeeYoudida transitionwheretheymovedfromjustservingshakesandteasto offeringawidervarietyofmenuitems.Allisonalsodecidedtomove awayfromhavingaparentcompanyandwentindependent, incorporatinglocalcompanies."Iwantedtohaveasmanylocally
WordsofSupport&Advice
BeingAFoodieHasItsPerks
Ifyou'relookingtostartabusinessorenterintoafield,Allisonhas somehelpfulwordsofadvice."Definitelysitdownandthinkabout whatexactlyitisyou'repassionateabout,andreallypinpointwhere youwanttogoandwhatyourvisionis.You'renevergoingtohave thevisionthatcantakeyoutotheveryend.Yourvisionwillalways changeandevolve,hopefully.That'sexciting,right?Ialwayssaid whenwestartedthis,Ihadnoideawhatwewouldendupbeing,but that'stheexcitingpart,tolearnandgrowandpivotwhenneedbe."
sourcedproductsasIpossiblycould.Westartedwiththeproteinfor ourshakes.Wegetthatfromalocalcompany.Weuselocally sourcedhoney.Wehavealocallysourcedlooseleaftea,Goddess TeaCompany.She'samazing.Sheputsalloftheblendstogether herself."
SupportandLocalConnection
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Surroundingyourselfwithpeoplewhobelieveinyouisvitalto beingasuccessinbusiness."ThepeopleatSenecaSavingshave beenamazingtosaytheleast.I'dheardwonderfulthingsfromother peopleinthearea.LiterallyfromthemomentIopenedmybusiness accountthey'vetreatedmelikefamily.Barbara,theBaldwinsville branchmanager,ismygotoperson.Senecawaswillingtotakea chanceonalocalwomanwhowantedtostartsomethingfrom scratch.Andthatmeantsomuchtome.Theyknowmychildren, theysenthomecoloringbooksforthem!Theyaskaboutmyfamily everytimeIgoin.Theyhavemyback.Sotome,SenecaSavingsis muchmorethanabank.It'sacommunity."
Thisfall,BeeYouwillcontinuetoexpandtheirofferingsby includinghotcoffees."I'vealwaysbeenafoodie.Ilovefood.I thoughtstartingwiththeshakesandteaswouldbetheperfectway togetourfeetwet.AsI'velearnedandgottenmorecomfortable withmyownknowledge,Ikeepgettingnewideasofwhattooffer. Likeabeautifulavocadotoastwithroastedtomatoesandfetacheese withtheperfectseasoning...that'sexcitingtome!"
Meet Kevin & Mandy Webb of KW Fitness Becoming the best version of yourself Todeliverhealth&fitnessresultsthatlastalifetime! Togivebacktoourcommunity. LocatedinFayettevilleandVestal,NY,KWFitnessis ownedbyKevinandMandyWebb.Foundedin2012,KW Fitnessisaprivatepersonaltrainingstudiodedicatedto guidingandcoachingyoutowardsgettingtheresultsyou wantandneed!TheKWFitnessSystemincludes: 1.AssessmentandGoalSettingYourKWFitness programbeginsbyevaluatingyourstartingpointand settingrealisticgoalsandactionstepsforyourfirstfour weeks. 2.IndividualizedProgrammingandCoachingYour coachwillconstructanappropriateexerciseplanbased onyourfitnesslevel 3.SupportandAccountabilityEachweekyouwill receivenutritionalguidance,education,andsupportwith sustainablehabitstoachieveyourgoals 4.Re-AssessmentandProgramUpdateEveryfour weeks,you’llhaveanassessmenttolookatyour progress,setgoalsforthenextfourweeks,andkeepyou motivatedtokeepgoing. OurPurpose PUSHUPFORVETERANSthisNovember! Eachyear,weholda"PUSHUPFORVETERANS"Eventto supportClearPathforVeterans.Forinformationonthe eventorhowtogiveback,justgotoourFacebookpage, KWfitness,andthere'salinktherewhereyoucanmake anonlinedonation.ThankYou! JOURNEYS | 20 Nov9 '22 KWFITNESSNY.COM
Myinspirationcomesfromwakingupeverymorning knowingI'mgoingtobeabletochangeaveteran'slife, directlyorindirectly.HereatClearPath,ourservices areforallveteransofalleras.Weservethoseveterans unconditionally.So,whetheritbeconnectingtocareer services,foremploymentsupportortoconnectwith anotherveteranonourpeerteamtogothroughour canineservicedogtrainingprogram,orexperiencean amazinglaunchatourWednesdaycanteens...those areallthingsveteranscanexperiencehere.Tobeapart ofthat,andtoknowthatI'mabletohaveanimpacton
Afterreturninghome,Ibeganworkingwithanon profitthatservedhomelessveterans.Iwasmeeting veteransonthestreetsandinshelters,makingsure theywereawareofthebenefitsandservicesthatthey notonlydeserved,butmayneedtobeconnectedwith. Throughthatwork,Iactuallybroughtagroupof veteransheretoClearPathForVeteransinearly2014. AndwhenIbroughtthegroupofveteranshere,not onlyweretheywelcomedwithopenarms,butIsawa groupofstaffwhowantedtodonothingmorebutmeet veteranswheretheywereat.Atthatpointintime, IknewthiswastheplaceIwantedtobetocontinueto helpservethefellowmenandwomenthatservedtothe leftandrightofnotonlymyself,butotherveteransthat liveinthiscommunity.
IservedintheMarineCorpsfrom2005to2010. Iwasaninfantryman,firstservingwithafleetanti terrorismsecurityteam,deployingtolocationsaround theworld.IthenservedwiththeSecondBattalionNinth MarinesoutofCampLejeune.Ideployedwithmyunit toIraq,andIcamebackhometothearea.Iama CentralNewYorknative.
AlwaysGrowingThroughPartnership
Withover450volunteersthathelpusthroughoutthe year,whetherit'sculinarysupportorbecomingacanine guardiantofosterapuppyforthecanineandservicedog trainingprogram,ourvolunteersaretheheartbeatofall thatwedohere.Thesupportfromthecommunityis absolutelyvital.OurCareerServicesprogramisalways growing.Wepartnerwithlocalbusinessesand
FORHIMSELF...ANDSOMANYVETERANSINUPSTATE NEWYORK.
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SUPPORTING THE JOURNEY HOME
veterans, especially those who may just need somebody to talk to, it's a privilege. I also work with an amazing staff at Clear Path that make it happen every day. And we would not be able to do what we do every day without their dedication and strength.
ClearPathForVeteransisacommunitybasednon profitthatservesveterans,militarymembers,their families,theircaregivers,aswellasthecommunity. Wehaveprogramsandresourcesthatreach33counties throughoutNewYorkState.HereinChittenango,we haveasanctuaryforveteranstocome,tomeetone another,toreceiveprogramsandservices,andalso connectwiththecommunitiestheylivein.
ReturningHome
CLEARPATHFORVETERAN'SALEXANDERBEHMSHARESTHECOMPELLINGSTORYOFTHEJOURNEYHOME
MeetingOtherVeteransWhereThey'reAt
ChangingLives
"The best thing that businesses in the local community can do, is to learn more about who we are by coming to visit our beautiful campus. We sit on 78 pristine acres in Chittenango. We're a true santuary for veterans and we welcome you, and invite you to volunteer and become involved with our events."
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OntheHorizon
Rightnow,ourstaffisgrowing.We'rerunningout ofphysicalspacehereinthebuildingandourcanine programisalsoexpanding.Inthe33countieswe're serving,wehaveveteransandfamilymembers interestedinreceiving,servicedogtrainingforexample, andwe'reunabletomeetthecurrentneedanddemand. Soonthehorizonwe'reinitiatingacapitalcampaignto bringafullyoperationalcaninefacilitytothiscampus, aswellascabinsforfolksfromoutoftown.They'llbe abletocomeandexperiencenotonlyretreats,butour programsandservicesasneeded,foralongerperiod oftime.It'sanimportanttimeforusandforour veterans.TolearnmoreaboutClearPathForVeterans, pleasevisitourwebsiteat: ClearPath4Vets.comorcall315-687-3300 tohelpusinsupportingthejourneyhome.
companiesseekingveteranemployees.Wehelp facilitateforaveteranwhoisenteringorreentering theworkforcetobematchedwithaveteranfriendly employerinthecommunity.Sowe'realwayslooking toestablishnewpartnershipsandexpandthatnetwork ofsupportandopportunities.
Seneca Savings is a proud supporter of "Making Strides Against Breast Cancer" and the American Cancer Society.
It'sanhonortobeapartofthegoodworks ofsomanyacrosstheCentralNYarea. Successisneverasoloact,butthe culminationofmanytalents,passion, commitment,connection,truegrit,spirit, anddetermination.
Asacommunitybank,weputtheneedsof ourneighborsfirst.It'simportanttopayit forwardandbegoodstewardsforthe people,businesses,schools,andchurches thatarethecornerstonesofanythriving community.
ThankYoutoourTeam... Andtoallofyou!
SENECALocalrepresentstheheartandsoul ofourSenecaSavingsTeam,who continuallycometogether(233volunteer hourssofarthisyearandcounting!),tobe informed,getinvolved,andmake adifference.
UPSTATE.EDU To learn more, donate or sign up for Making Strides Against Breast Cancer, point your phone camera at this QR Code!
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FoundingFather,DaleJohnsonandhis team,aredevotedtotheunder served childrenwithinourcommunity."Each year,weorganizeaschoolsupplygive awayforlocalchildrenandtheirfamilies.
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Anaverageof400backpacksfilledwith schoolsuppliesaregivenawayto childreninthelocalcommunityduringa youthdaypicnic."Ourgoalistosupply thechildrenintheareawiththeproper supplies,beitforsportsorschool,in orderforthemtohavetheopportunity toparticipateandsucceedinlife,"saus Dale.
It'saprivilegetowalkthisjourneywith Dalendallwhobenefitthroughyour generosity.Ifyouwishtolearnmore aboutthiswonderful,localorganization, pleasevisitthemonlineat:
Forthepasttwoyears,Tillie'sTouchhas receivedloadsofbackpacksandbinders fromthegenerosityofpeoplewhovisit ourbranchesordonateonline.
TilliesTouch.org
Tillie'sTouchisanamazingorganization thathelpsmakechildren'sdreamsof playingasportpossiblewhilehelping themtoachieveacademicexcellence.
JOURNEYS | 25 C
Have a safe and ghoulishly fun Halloween! Point your phone camera at the QR Code below to see a full harvest & halloween listing of events throughout the area!
mmunityCalendar
2tablespoonsfreshlemonjuice
Preheatovento375degrees.Inalargebowl,mixtogetherflour,brownsugar,salt,and2tablespoonsgranulatedsugar.Cut butterintoflour,usingapastryblenderortwoknives,untilmixtureisthetextureofcoarsemeal.Addoats,anduseyour handstotossandsqueezemixtureuntillarge,moistclumpsform.Transfertofreezertochillwhileyouprepareapples. Step2
1/2cupplus2tablespoonsgranulatedsugar
8tablespoons(1stick)unsaltedbutter,cold,cutintosmallcubes
1cupold-fashionedrolledoats(notquick-cooking)
3poundsapples,suchasEmpire,Gala,orBraeburn,peeled,cored,andcutinto1/2-inchchunks
1/4cuppackedlight-brownsugar
Thesecrettoacrunchy,chunkytoppingisworkingtheoatmixtureintolargeclumpswithyourhands--thishelpsthe toppingholdtogetheratoptheappleswhiletoastingtoagoldenbrown.
Thiscinnamon-scentedcrispisbestservedstillwarmfromtheoven,toppedwithascoopofvanilla,cinnamon, orcaramelicecream.
Inanotherlargebowl,tossappleswithlemonjuice,cinnamon,andremaining1/2cupgranulatedsugar.Transfertoa shallow2quartbakingdish,andsprinklewithtoppingmixture.Placebakingdishonarimmedbakingsheet,andbake untilgoldenandbubbling,55to65minutes.Letcool10minutesbeforeserving.
Directions Step1
1/2teaspoongroundcinnamon
1/2teaspoonsalt
Liverpool BBranch
How can we help Info@SenecaSavings.com | 315-303-3337
aldwinsville Branch N Syracuse BBranch ridgeport Branch
Every step, every hand shake, every commitment, every one of us every day on the Seneca Savings Team is working to earn your trust and your business. Your opinion matters in person, and online. Please consider leaving us an online review by aiming your phone camera at any branch location QR code below... It's an honor to serve you. Thank You!
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We'realwaysstrivingtoearnyourfivestaropinion!
We're with you... for life's journeys.
