Our Towne Guilderland- November '14

Celebrate Thanksgiving In Greece

NOVEMBER 2014

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OUR TOWNE GUILDERLAND Open Thanksgiving Day Serving from 1:00pm Visit our website for details and to make your reservation!

Call 518.608.6400 to make your reservation or visit athosrestaurant.com for other specials and upcoming events

• LOCAL BUSINESS NEWS • COMMUNITY EVENTS • COMMUNITY INFORMATION

1814 Western Avenue, Albany, NY 12203 518.608.6400 athosrestaurant.com Open daily at 4 pm to closing.

Catering, private parties, and special children’s menu too!

FEATURE BUSINESS- CAPITALCARE FAMILY PRACTICE GUILDERLAND P.12 NYS REDEMPTION CENTER - WE TAKE ALL YOUR BOTTLES & CANS!

ROll YOUR OWN

&NYSCIGARETTES MIN PER PACK

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HEINEKEN

BOTTLE REDEMPTION

$12.99

You Bring them, we count them Just Old Fashioned Customer Service!

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CORONA

ALBANY BEVERAGE Discount Beer & Soda

Route 146 & Route 20 • Guilderland • Monday - Saturday 9am - 9pm • Sunday 11am -6pm

355-4370

Serving Guilderland for 36 Years!

12 pack

$12.99 $ 12 pack

Winter Beers & Craft Variety Packs are here!

BUD - COORS LIGHT Bottle & Can

$11.99 18 pack

Bottle Drive for Guilderland’s Rodino Family Please consider donating your bottles and cans to help the Rodino Family.

700 Brands To Choose From! By the Bottle or Case! www.AlbanyBeverage.com

All proceeds to help the Rodino’s battle Huntington’s Disease.

Go to www.rodinofamily.com for more info.

We Have Collected 81,800 Cans to Date!

Healthy smiles...like father, like son.

John V. Bucher, DDS

Family, Cosmetic & Implant Dentistry 1881 Western Avenue Albany, NY

218-1881

We are accepting new patients!

www.johnbucherdds.com

A Functional Medical Approach With Results Do you want less pain, more energy, & better overall health?

Dr. Stotts takes time and really listens to you. She is committed to providing you choices to reach your health goals.

CALL TODAY! (518) 355-2060

From your Grandmother’s China to your Grandfather Clock you can count on the packaging experts at The UPS Store to get your holiday packages delivered on time and in one piece.

Protect Your Heart Health Schedule an EndoPat Test

The EndoPAT is an easy, non-invasive way of measuring the cardiovascular and autonomic nervous systems.

Anita Burock Stotts, MD

Healthy Endeavors Medicine, PC

2592 Western Ave, Suite 102, Altamont, NY

www.HealthyEndeavorsMed.com

1971 Western Avenue . Albany/Guilderland, NY (518) 452-6085 . store0917@theupsstore.com M-F: 8-6:00 . Sat: 8-4:00 www.theupsstore.com/0917.htm

Happy Nails NOW OPEN IN STAR PLAZA 2050 Western Avenue

Walk-ins Welcome!

452-6060 'D\V $ :HHN 2YHU <HDUV ([SHULHQFH )XOO\ ,QVXUHG 5HIHUHQFHV $YDLODEOH

Mon - Fri 10am - 7:30pm Sat 10am - 6pm Sun 11am - 5pm

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Manicure $14

w/coupon $2 off expires 11/30/14 ANC Pink & White

$32

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Fill-In

$15

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Pedicure

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$27

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2:00 PM Suburban Sounds Holiday Concert 3:30 PM Suburban Sounds Reception

Sunday

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10:00 AM Drop-in Knit & Stitch 2:00 PM DIY Snow Globe

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10:00 AM Drop-in Knit & Stitch 10:30 AM Gingerbread Friends Storytime

10:00 AM Drop-in Knit & Stitch

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10:00 AM Drop-in Knit & Stitch 10:30 AM Baby & Me: Drop-In Storytime 2:00 PM Staying Safe, Protecting Yourself from Common Scams and Fraud 6:30 PM Crafting for a Cause 6:30 PM Family Storytime 7:30 PM Night Owls Book Discussion - Still Foolin’ ‘em, by Billy Crystal

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10:00 AM Drop-in Knit & Stitch 10:30 AM Baby & Me: Drop-In Storytime 6:30 PM Family Storytime

Monday 2

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12:00 PM Drop-in Knit & Stitch 1:30 PM Drop-in Card Gaming

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12:00 PM Drop-in Knit & Stitch

12:00 PM Drop-in Knit & Stitch 5:30 PM Living Well for Boomers and Beyond: A CDPHP Wellness Workshop

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12:00 PM Drop-in Knit & Stitch 5:30 PM Living Well for Boomers and Beyond: A CDPHP Wellness Workshop 6:30 PM Age of Innocence - Local Connections Film Series 6:30 PM Drop-in Card Gaming

New Year’s Eve Library Closes at 2pm

Christmas Eve Library Closed

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10:30 AM Toddler Time: Drop-In Storytime 2:00 PM GPL Page Turners -- Defending Jacob by William Landay 4:00 PM It’s a Puzzle - Craft Program

1:00 PM Read, Build, Play for Preschoolers

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10:30 AM Toddler Time: Drop-In Storytime 12:00 PM Books Sandwiched In Book Discussion Group 4:00 PM Stitch ‘n’ Giggle Club

Wednesday 4

Friday 5

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New Year’s Day Library Closed

Ne w Y 1 e py

Christmas Holiday Library Closed

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2:00 PM Age of Innocence - Local Connections Film Series 5:30 PM SNOW DATE Living Well for Boomers and Beyond: A CDPHP Wellness Workshop

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2:00 PM SNOW DATE How the Dutch Brought Us Santa, Presents and Treats with Peter G. Rose

2:00 PM Joyful Traditions: How the Dutch Brought Us Santa, Presents & Treats

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13 10:00 AM Better Books Sale

8:00 AM Annual Holiday Bus Trip to NYC 10:30 AM Math Fun & Games with Peg and Cat

Saturday

Children’s Program Teen Program Adult Program Note: UNDERLINED events require registration; Call 456-2400

10:30 AM Preschool Drop-in 10:30 AM Preschool Drop-In Storytime Storytime 5:30 PM SNOW DATE Living Well for 2:00 PM Focus on Facebook Boomers and Beyond: A 3:30 PM Hobbit Party CDPHP Wellness Workshop

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10:30 AM Preschool Drop-in 10:30 AM Preschool Drop-In Storytime Storytime 2:00 PM Images of America: 3:30 PM Li’l Lego Club Altamont Book signing 5:30 PM SNOW DATE Living Well for with Keith C. Lee Boomers and Beyond: A CDPHP Wellness Workshop 7:00 PM First Friday Family Films: How to Train Your Dragon 2 7:00 PM Great Books Discussion Lord Jim by Conrad

Thursday

2228 Western Avenue • Guilderland, NY 518.456.2400 • www.guilpl.org • info@guilpl.org

12:00 PM Drop-in Knit & Stitch 5:30 PM Living Well for Boomers and Beyond: A CDPHP Wellness Workshop

Tuesday

DECEMBER 2014 at Guilderland’s Gathering Place

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Clip & Save!

ar!

notes from the SUPERVISOR’S OFFICE 5209 Western Ave, Guilderland • (518) 356-1980 • www.townofguilderland.org

Guilderland, NY- During November, a month that sometimes but not always heralds the impending change of seasons, there is always a lot going on in Guilderland. I want to make you aware of some of them.

The Town Highway Department is in the midst of its annual leaf pickup program. Our fleets of vacuum trucks are circulating throughout Guilderland, picking up leaves on all streets where the trucks are capable of operating. There are two dates assigned for each street, and the road crews will be in your neighborhood on those days. They may be there on other days as well, as they are circulating throughout the Town on other days, as their schedule allows. If you live on a street where the vacuum trucks are unable to operate for one reason or another, Highway Department crews will be picking up bagged leaves on your street. Leaf collection schedules were published in the Town newsletter in September, and can also be viewed on the Town website, www. t o w n o f g u i l d e r l a n d . o r g.

Please call the Highway Department at 861-5108 if you are unsure about pickup dates in your neighborhood.

Please rake loose leaves to the curb, and try to avoid having them impede traffic or visibility. We will also be picking up brush and branches this fall. These items should be bundled, tied with twine, and be of a size that a single worker can move around and place in the truck. If everyone cooperates in maintaining visibility around piles of leaves, and in keeping branch and brush bundles manageable, our dedicated employees will be able to keep the fall collection program moving along safely and efficiently for all.

The Western Avenue sidewalk construction project is winding down for 2014, having seen the achievement of its goal for the current year, the completion of an uninterrupted sidewalk network on the north side of Western Avenue that stretches from the Albany City line out to Route 155. A contract will be let shortly for the completion of a similar sidewalk network on the south side of Western Avenue, with work to begin and be completed in

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2015. Also, a contractor has been selected to construct a sidewalk network along Main Street (Route 146) in Guilderland Center.

It is anticipated that the contractor will do some of the preliminary landscaping work for this project during 2014. The actual installation of the sidewalks, however, will take place in the spring due to the pending arrival of the winter season.

Each year, I like to remind our residents that they have a number of ways to keep themselves up to date on Town affairs. Town Board meetings take place on the first and third Tuesdays of the month at 7:30 P.M. They are broadcast live on Cable Channel 17, then rebroadcast at 1:00 and 7:30 on the following Friday, and at 7:00 P.M. on the following Saturday.

The Planning Board meets on the second and fourth Wednesday of each month at 7:30. Meetings are broadcast live on Channel 17, then rebroadcast the following Thursday at 1:00 P.M. and the following Saturday at 7:00 P.M. The Zoning Board of Appeals meets on the first and third Wednesday of each month at 7:30 P.M. Meetings are broadcast live on Channel 17, then rebroadcast at 1:00 P.M. the following Thursday, and at 7:00 P.M. the following Saturday. All meetings are held in the Town Board Room on the first floor of Town Hall, and the public is always welcome to attend these meetings.

I think that November is a wonderful time of year to think back on the many things we have to be thankful for, as both Americans, and also as residents of this special community of Guilderland. I would like to take this opportunity to extend to all of our residents and their families my sincere wishes for a very happy Thanksgiving to all of you and your families.

Ken Runion, Supervisor

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RUGGIEROâ&#x20AC;&#x2122;S NOW OPEN! Thanks to everyone for your patience and continued support.

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November 2014

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message from the

CHAMBER OF COMMERCE

2050 Western Ave, Suite 201, Guilderland, NY 12084 (518) 456-6611 • www.guilderlandchamber.com Complaints. We hear them every day, and we are all guilty of it. Sometimes it takes the form of venting, sometimes it’s out of frustration and anger. However, what are most people doing to change that complaint? Or doing to change their situation? We see this almost daily here at the chamber. We hear complaints about the economy, taxes, business is slow, or an employee not doing their job, etc. While it is our job as a chamber of commerce to help our members and help them come up with alternatives, or solutions, meeting people who can help them, or just a different way of thinking, we more often than not see people not implementing the changes because they are ‘too busy’. Too busy doing busy work and not making the changes that they need to in order to succeed.

So the question remains, why are we all so ‘busy’? A member came in not too long ago and we talked about many different subjects. I asked him why he joined the chamber. He is a local business who does well, and honestly, not the type of person you would see becoming a member of a business organization. His response was quite simply ‘because you have to help others to get help’. I was quite honestly blown away. While this should not be news to anyone, rarely can you put your finger on a reason like that.

We expect for others help us when we need it, but do we do the same for them? If we want to meet a prospective client we will ask someone to maybe introduce us, or to call them or send them an email to garner ourselves up more businesses, but have we done the same for someone else when we know we will not get business in return?

I think that this is what has changed in the business world in the last few years. People used to regularly network for business and personal reasons.

People belonged to Elks Lodges, sat on committees, and other community organizations or councils. But now we are all too “busy” to take time out of our day to help someone else or focus on a task. In today’s society we would much rather give a few dollars if we can’t commit to something, which makes me wonder why? We cannot blame this all on technology, I think a lot of it has to do with most family households have two working parents, and we put more pressure and demand on ourselves than ever before.

Things are no longer simple.

The point of all of this? Well, that same member I spoke with also went on to say that the other big reason why he joined our chamber was that he walked in to an event and one of our groups and he felt like it was an oasis for him. It was a way for him to unwind and talk to others going through the same thing he was as a small business. He could take his blinders off and breathe a little bit knowing he was no longer going it alone. In a way it took the pressure off of him. A “side effect” of this was that he has done well making connections and establishing relationships, which is what the chamber is all about!

Sincerely, Erika Gauthier, President Register for chamber events at www.guilderlandchamber.com/calendar.html

MEMBER AND COMMUNITY ANNOUNCEMENTS

Join Community Caregivers as they celebrate their 20th Anniversary with a Gala, honoring Troy Miller of CM Fox Real Estate, and Cindy Wadach (retired) Director of Senior Services for the Town of Guilderland. The event will be held on Saturday, November 15 at 5:30 pm at Colonie Golf and Country Club in Voorheesville. Tickets for this fundraising event are $110 per person, but with an open bar, live band, awards, live and silent auction and new this year- a “gift card pull”- this will be an event to entertain and remember. For more information call Community Caregivers at 518-456-2898. The deadline to RSVP is Nov. 7, so don’t wait!

Walmart is hosting a Local Supplier Informational Forum, as a part of our “Made in NY” initiative! The forum will be held in Latham, NY on November 5th from 9am until 1pm. After the informational session there will be a local product showcase, for the first 25 businesses who registered for the event. Store Managers and Market Managers from nearby stores will be in attendance. Register now by visiting this link. If you are unable to attend, they will have two similar events: *November 8th at Bryant & Stratton College in Syracuse, NY 9am-1pm. *November 13th at SUNY Fredonia, NY 9am-1pm.

We are excited to announce the grand opening of what we have been informed as the first of its kind in the country...

The Veterans Miracle Center. A new destination for our struggling heroes to receive the necessities of life at no cost. Please join us for the grand opening and ribbon cutting ceremony at the VMC, 10 Interstate Ave., Colonie, NY Friday November 14/Open house November 15, 10:00 AM. Guest speakers will include political and military leaders along with the Lasalle School Color Guard. Following the ceremony and ribbon cutting, lunch will be served compliments of the Marriott Hotel. Please let us know if you will be able to attend by calling 518-438-4370.

Join ABC & ADJA for a Day of Education November 3, 2014 overlooking the shores of Lake George there are still a few spots open. Gay Wedding Institute Certificate Program - Adirondack. Gay weddings are good for business and good for society.

Same-sex couples are a lucrative, emerging market that can help grow your wedding business. To reach this powerful market, you must be ready. You don’t want to lose business or risk offending potential clients! To register for the Monday, November 3 workshop from 9:30 AM- 3:30 PM at Dunham’s Bay in Lake George, NY Please Click Here. This intensive and interactive workshop will include lunch, a packet of materials and tons of great ideas to reach this powerful market.

The Grand Opening of Mill Hollow Condominiums, is set for Sunday November 16th with an Open House from 1-4 pm. The Active Adult Community is located at the corner of Western Ave. and French’s Mill Road in Guilderland, the site of the former Bavarian Chalet Restaurant & Banquet House.

The public celebration and Open House will have hors d’oeuvres & refreshments served in the newly Constructed on site Town Senior Center Space (lower level of clubhouse), model home tours and enticing incentives for buyers, with some units up to *$20,000 off list price and $10,000 in free upgrades! (*Limited to Grand Opening).

The Law Office of Michael J. Tommaney is now located at 11 British American Blvd., Latham, NY. The telephone number is (518) 250-4264. Michael J. Tommaney, Esq., works with individuals needing one-on-one assistance with estate planning and elder law, including drafting wills and trusts and guiding clients through the probate process; real estate law, including handling commercial and individual real estate sales and purchases; and business law, including forming, buying or selling a business and preparing and reviewing contracts. He is a member of the Albany County Bar Association, the New York State Bar Association, the Estate Planning Council of Eastern New York, the Consulting Alliance and The Society of Financial Service Professionals.

A graduate of Albany Law School and Siena College, Tommaney resides in Colonie, NY. OurTowneGUILDERLAND.com

November 2014

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LESSON CENTER

November 2014

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REAL ESTATE EXPERT REVEALS IF SOLAR PANELS INCREASE THE VALUE OF YOUR HOME Guilderland, NY - It is a question that we are starting to hear as real estate professionals almost every week. “I am thinking of selling my home, should I put solar panels on to increase the value?” It has been the subject of much debate among local real estate consultants and there does not seem to be a common agreement on the answer. The solar industry will tell you adding panels increases the value of your home, yet for the most part the actual statistical data supporting this claim is weak.

In short the answer is it depends. If you are thinking of selling in the near term, the real question is “Is adding

solar panels to my home the best thing I can do to improve the value?” In general the answer to this not an issue, and makes the installation the value. If you are going to stay in

question is going to be no as there are a myriad of proven improvements that will increase your home’s value several times over the amount you spend on them. If you are putting panels on your home solely for the purpose of selling your home in the near term, the answer is it almost certainly will not increase the value of your home.

In fact, if the panels are on the front of the home, we are seeing buyer resistance to the curb appeal and the panels likely actually detract from the home’s value. If the panels can be placed on the rear of the home this is

decision easier. As the solar panels become more widely utilized and accepted the impact of front mounted panels on value and overall curb appeal will be lessened. Several years down the road solar panels are likely going to be expected on homes, but by that time the technology may change substantially.

If you are considering installing solar panels do it for the right reasons which include the cost savings, reducing our reliance on fossil fuels, etc. not because you are selling and trying to increase

your home for several years installing solar panels makes sense because of the cost savings, environmental benefits, and current rebates available.

While installing solar panels in an attempt to increase your home’s value for sale does not make sense, there are several improvements that will help in this area. We recently published a free report of “How to sell your home for the highest price” if you would like a copy of this free report please call us at 1-800-448-7016 ext. 3333.

Kevin Clancy has been providing real estate appraisal and brokerage services in the Capital District for the past 18 years. Seen on ABC TV and Endorsed by Barbara Corcoran and named as one of the top 500 Real estate marketers in the country out of 1.2 Million real estate agents. A NYS real estate broker, general certified real estate appraiser, and best selling author, Kevin received an undergraduate degree in marketing from Siena College and an MBA from the University at Albany. He resides in Altamont with his wife and two daughters.

Kevin can be reached in the office at 518-861-7016. • www.ClancyRealEstate.com

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Join Us!

FREE EVENT! FRIDAY, NOVEMBER 14 OPEN HOUSE Join us at the Guilderland YMCA Open House. Fun for your whole family!

YOU BELONG AT THE Y We celebrate health care workers during the month of November.

SAVE $100 Join the Guilderland YMCA during November and we’ll waive the joiner’s fee when you join!

CAPITAL DISTRICT YMCA Guilderland Branch 250 Winding Brook Drive www.CDYMCA.org 456.3634 OTG.11.14

OurTowneGUILDERLAND.com

November 2014

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Interview with William R. Tetreault, M.D. CapitalCare Family Practice Guilderland previously known as Guilderland Family Medicine

Q. What year did you start your Family Medicine practice?

Who are your current medical providers?

A. I opened Guilderland Family Medicine on October 25, 1989 as a solo practitioner after completing my Family Medicine Residency at St. Clares Hospital. Francois Vachon, D.O. joined me in 1995 and we then helped form CapitalCare Medical Group, LLC in 1998. Brian Navarro, M.D. joined the practice in 2002, Nasrene Yadegari, M.D. joined us in 2006, and Cary Vachon, D.O. joined us in 2013. Karen McGarry, PA, Brad DeNovio, PA, and Todd Dykstra, PA. complete our medical team.

Q. Where are you located?

A. We are located in Suite 100 at the Carman Medical Arts Building at 3757 Carman Road in Guilderland.

Q. What hours are you open?

A. Monday, Tuesday, Wednesday 7am to 7pm; Thursday & Friday 7am-5pm; Saturday 8-2 by appointment only.

Q. What is your phone number and website address?

A. Phone: 518-355-7063 Website is www.capcare.com- click on the link for office locations and select “Guilderland”

Q. Why did you become a Family Physician?

A. I became a family physician because I enjoy taking care of patients of all ages. Family medicine is appealing as we are trained to try to understand the complexities of the patient’s medical needs in the context of the family unit. We strive to provide primary care for a wide range of medical problems as well as serve as the patient’s advocate when they develop more complex problems that demand subspecialty evaluation and care.

Q. Do you have many long standing patients? What do you think they like most about your medical practice?

A. We have a number of patients who have been with the practice since its inception and we also continue to accept new patients. The feedback we have received from surveys and from our Patient Advisory Council indicate that our patients appreciate our medical staff ’s compassion and attention to detail. They appreciate that multiple medical services are available on site and extended hours for patient convenience.

Q. Do you sponsor any local teams, if so which ones?

A. We currently sponsor the Guilderland United Travel soccer club. CapitalCare Medical Group as a whole and our individual office support and sponsor a number of charities and fundraising efforts in the community, including the American Cancer society, American Heart Association, Making Strides Against Breast Cancer, National MS Society, and ALS to name a few.

Q. What do you enjoy most about your medical practice?

A. I enjoy developing long-term relationships with my patients.

It is particularly gratifying to watch my younger patients grow up and become mature young adults. It is also rewarding to work with my aging patients and help them receive comprehensive and quality medical services as they age and develop more complex medical problems. I enjoy being the advocate for all of my patients as they navigate a complex medical system for all of their medical needs.

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The original house at 3761 Carman prior to renovations with a dashing young doctor.

(5/89)

Q. What do you think is your biggest challenge with the medical profession at this time?

A. We are currently struggling with trying to develop a cost effective healthcare system that provides comprehensive and quality medical care for all. We want to help our patients find more cost effective medical tests and medications, yet are frustrated by many of the burdensome demands of recent healthcare reform efforts by both the government and insurance companies. We strive to improve patient satisfaction, increase efficiencies and decrease costs, yet are often overwhelmed by complex electronic medical record systems that frequently create burdensome demands on our physicians. We would prefer to focus more our energies on our patient’s medical needs, rather than the needs of the electronic medical record system.

The first office s/p renovations Opened 10/89

Our first Open House/Ribbon Cutting held 11/89

Q. What do you want the community to know about you?

A. In addition to the primary care services we offer, the various tenants of Carman Medical Arts provide a wide array of medical services in one location. We have complete radiology services including MRI and CT scan, physical therapy and rehabilitative services including audiology, orthopedics, cardiology, gastroenterology, urology, pulmonary, optometry, podiatry, and psychology with other mental health practitioners all available at our medical complex. We are a Patient Centered Medical Home and have tried to create a medical “neighborhood” that facilitates convenient access to a variety of subspecialists for our patients.

The 2nd renovation that we did on that bldg completed in 1996 when Dr. Vachon joined the practice.

Carman Medical Arts 2014 Celebrating 25 Years!

OurTowneGUILDERLAND OurTowneGUILDERLAND.com com

November 2014

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GUILDERLAND CHAMBER WELCOMES JIMMY JOHNâ&#x20AC;&#x2122;S TO THE AREA

CHIROPRACTOR Dr. Steven N. Barr over 35 Years in practice

Jimmy Johnâ&#x20AC;&#x2122;s, known for its tasty subs and freaky fast service, held a ribbon cutting ceremony at 2080 Western Ave. in Hamilton Square on October 29th with the Guilderland Chamber of Commerce.

The sandwich shop delivers to nearby residents and businesses and offers last-minute catering options. For more information, stop by and meet the owners, Griffith and Amanda, or call the Guilderland location at 4645616. Order online at www.jimmyjohns.com.

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STEVEN J. OSHINS DENTAL OFFICE IS OPEN I’m happy to announce that we are now seeing patients in our new reestablished office at 3905 Carman Road. After a difficult year working in temporary quarters, and simultaneously redesigning and rebuilding our dental office after the devastating fire late last year, we are now open. We’ve been seeing patients for a few weeks now and have received very positive feedback from them about the office and about how happy they are to have us back in our home.

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The office has been fitted with the latest and most up to date equipment for the benefit our valued patients. We have a 3D digital x-ray machine that’s very low dose and provides amazing detail allowing for more accurate dentistry and better results for patients. We also have powerful microscopes which help insure accurate detailed dental work. All our digital equipment allows us to show the patients exactly what is going on with their oral condition and help them understand our proposed treatment plan.

We have ample parking, are handicapped accessible, with no steps involved. The children will be enjoying a play area and large fish tank to watch, which will be relaxing to all. We are accepting new patients and continue to offer the QDP plan…. Our in-office dental savings plan which is ideal for patients who do not have dental insurance.

A big thank you again for those that have helped us through this difficult year. As always feel free to call us at 356-5635 with any questions.

With Oshins of Smiles, Dr. Steven Oshins

Steven J. Oshins, D.D.S.

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from AllSquare Wealth Management 200 Great Oaks Blvd., Suite 219, Guilderland (518) 456-8900 • www.allsquarewealth.com

Active Management – Can You Win the Loser’s Game?

Investors are faced with a choice between more than 8,000 distinct mutual funds (excluding multiple share classes of the same fund), according to data from Morningstar. How can investors be expected to choose wisely from such a large investment universe? As it turns out, the first step may well be to filter out all actively-managed mutual funds.

Standard & Poor’s, a leading financial market benchmarking firm, prepares a semi-annual analysis called the S&P Indices Versus Active Funds Scorecard, or SPIVA Scorecard. The Scorecard seeks to compare the performance of various mutual funds to relevant benchmarks tracked by S&P. The Scorecard is particularly useful for the following reasons: 1. S&P considers all funds available at the beginning of a sample period, and not just those funds which survived through until today, thereby eliminating survivorship bias.

2. The Scorecard compares each mutual fund to a relevant benchmark, as opposed to comparing all funds to a single benchmark such as the S&P 500.

3. S&P provides analysis on an asset-weighted basis, which reflects the fact that an investor is more likely to have access to, say, the Vanguard Total Stock Market Index Fund ($348 billion in assets) than the Munder Bond Fund ($87 million in assets).

For the period ending 06/30/2014, the SPIVA Scorecard showed that on a 5-year trailing basis, between 78% and 93% of US equity mutual funds were outperformed by a relevant S&P index. This means that even in the best-performing category of US equity mutual funds (those in the Small Cap Value space), only 22% of funds outperformed their benchmark. This lends strong evidence to the wisdom of utilizing index funds (rather than actively-managed funds) to assemble a portfolio.

We find two common objections to the advice to avoid activelymanaged funds – the first is to only use actively-managed funds

in the “less-efficient” asset classes, such as small-company stocks or emerging markets stocks. However, the SPIVA Scorecard confirms that active-manager underperformance is as robust in these asset classes as it is in more common asset classes such as large-cap US stocks. The second objection we hear is that investors should limit their choice of actively-managed funds to those with good track records. Bradford Cornell’s 2008 paper “Luck, Skill and Investment Performance invalidates this strategy. His results “indicate that most of the annual variation in [fund] performance is due to luck, not skill.” If skill is scarce while luck dominates, then past performance should not be relied upon to make investment decisions for the future. As we are told time and time again, past performance is not indicative of future results.

Finance author Charles Ellis offered this sage advice in his book ‘Winning the Loser’s Game’: “Everything I know is known by the market and worked in to the market…The best way to invest is through benign neglect. Get your asset allocation right and leave your investments alone.”

We couldn’t agree more!

Daniel Bauer, CFP® serves as the Chief Investment Officer of AllSquare Wealth Management, LLC. In this capacity, his responsibilities include developing, implementing, and monitoring investment portfolios for customers of the firm.

AllSquare Wealth Management, LLC is an SEC-registered Investment Advisory Firm. Securities offered through a non-affiliated firm, Spire Securities, LLC, member FINRA/SIPC. 16

November 2014

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from TABAK & KIOSSE, LLP

100 Great Oaks Boulevard, Suite 122, Albany • (518) 464-4095 www.tklawllp.com

DIVIDING A RETIREMENT ASSET? SPECIAL RULES MAY APPLY. Guilderland, NY - As the Capital District encompasses the seat of state government, many in our community are employed by government entities.

Government employees often participate in employer-sponsored retirement plans, such as pensions, deferred compensation plans, etc.

A retirement asset is often the single most valuable asset that a person owns (other than real property). To the extent that the retirement asset, or any portion of it, was acquired during the marriage, it is subject to equitable distribution upon a divorce. For example, if one spouse participates in a pension (we will call this spouse the “participant”), the pension would be equitably distributed so that the other spouse will receive a share of the pension at the time the participant retires. You may recall from our prior articles, that “equitable distribution” refers to the method used in New York for dividing marital property. Equitable distribution means that property is divided fairly, but not necessarily equally.

Although New York law governs how the retirement asset is divided between spouses, the actual division of the retirement asset may be governed by federal law if the asset falls within scope of the Employee Retirement Income Security Act of 1974 (“ERISA”). ERISA is a federal law that is designed to protect certain retirement assets so that a retiree has enough income after retirement.

ERISA prohibits the assignment of the retirement asset to another person

(such as a creditor). Pensions, deferred compensation plans, and 401(k) plans are examples of retirement assets that are subject to ERISA. While ERISA does not prohibit the right of a former spouse to receive a share of a retirement asset, the former spouse cannot receive her share unless and until a court order known as a Qualified Domestic Relations Order (“QDRO”) is signed by a court. This is a special court order that directs the plan administrator of a retirement asset to pay a portion of the participant’s account to his former spouse. This order must be written in a manner that complies with federal law and the plan administrator’s rules before it will be “qualified” and recognized as a valid QDRO. A QDRO must also be written so that it is consistent with the marital settlement agreement, or Judgment of Divorce, which provides how much the former spouse is to receive for her share in the retirement account.

Since a QDRO cannot be signed until a Judgment of Divorce is signed, I have encountered many people who have either forgotten that a QDRO is necessary or who wait years (sometimes decades!) to have the QDRO prepared.

This is unwise, especially if the former spouse is entitled to receive survivor benefits if the participant-spouse dies prior to or after retirement. Without a QDRO on file, a plan administrator will not recognize any rights that the former spouse may have in the retirement asset.

As the division of a retirement asset implicates state and federal law, and since a QDRO must comply with the rules of each plan administrator, a QDRO should always be prepared (and reviewed) by a skilled attorney. If a QDRO is not done, or done incorrectly, the participant or former spouse could lose out on several hundred, if not thousands, of dollars.

Leyla A. Kiosse is a partner at Tabak & Kiosse, LLP, a law firm located in Great Oaks Office Park (near Crossgates Mall). Along with her partner (Margaret Tabak), Attorney Kiosse counsels clients on all matters related to matrimonial and family law. A Guilderland native, Attorney Kiosse received her undergraduate degree from Union College and her law degree from Albany Law School.

If you have questions about a matrimonial or family law issue, contact Attorney Kiosse for a consultation by calling 464-4095 or by visiting the firm’s website, www.tklawllp.com.

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SPORTS & SPINAL WELLNESS CENTER 2021 Western Ave., Ste. 102, Albany • (518) 869-3415

LIVING MY OLYMIC DREAM By: Dr. Kim Leis-Keeling

Guilderland, NY- It has always been a career goal of mine to work with elite athletes in professional sports or at the Olympic level. For the past 2 weeks I have been living my dream. I was fortunate enough to get invited to do a 2 week chiropractic rotation at the Olympic Training Center in Lake Placid. What

were covered with photos of athletes standing on Olympic podiums with medals wrapped around their necks.

I remember watching some of these athletes during my childhood and some were from this past Olympic Games in Sochi- just a few months ago. These were the very athletes that were my patients

from 14-17 years old that basically live at the training center. They train all day while taking online high school at night.

They are hoping to make it to the 2022 Olympics-eight years from now. That is pure dedication. The bobsled athletes were a mix of past Olympic medalists to new recruits from post college sports.

DR. KIM WITH THE WOMEN TRYING OUT FOR THE U.S. SKELETON TEAM

an amazing experience it has been.

From the minute I checked into the training center, I felt like I had entered a strange world. What was this place?

Everyone was incredibly fit and muscular.

It was like I just left my “Average Joe” world and walked into “Global Gym” from that movie Dodgeball. The athletes were always dressed in Olympic jackets, TEAM USA everything and sweat pants.

It didn’t take long for this suburban mother to notice that Olympians don’t wear yoga pants. (I was going to have rethink my own workout gear). The walls 20

November 2014

the past few weeks. Word spread around fairly quickly that there was a chiropractor in the training room and my schedule filled up fast. I was nervous at first. How was I going to adjust these muscular monsters? It only took a few minutes to get over being “star struck” and it was time to get to work.

The sports that have been training over the past few weeks were bobsled & skeleton, luge, biathlon, ski jumpers and aerial ski development team. The aerial development team is all young kids

OurTowneGUILDERLAND.com

Some of them have never even taken a trip down the bobsled track and they were trying out for TEAM USA. I thought they must have been out of their minds. I’ll never forget the day these athletes got to push that sled down the track for the first time. Thank goodness they have the best drivers in the world to get them down safely. I have never seen excitement like that before. On the reverse side of the excitement, is also lots of disappointment. As you can imagine with this level of athletic talent and sports, also comes intense injuries. There

DR. KIM WITH THE MEN TRYING OUT FOR THE U.S. SKELETON TEAM

were a number of athletes that got sent home to recover from concussions, ankle injuries, torn ligaments and need to set their hopes on making the team next year.

Living on campus took me back 20 years and felt just like living in the college dorms. Community lounge areas, study areas, laundry rooms and of course a cafeteria. Everyone is curious about the kind of food it takes to grow an Olympian, right? Well, here is the scoop. The cafeteria has made changes over the years. I was talking with the cooks and an employee who has worked at the training center for 22 years. He recalls years ago when they would serve lots of fried foods, burgers, hotdogs and desserts. He said they used to make fresh donuts for the athletes but once the machine broke, they never replaced it.

(Apparently, some scientist discovered that type of food is not good for the athletes). Gradually, over time the menu has become more nutritious. They have

eliminated desserts all together. One athlete said he remembers when they stopped serving desserts last year and he lost 10 pounds within a few weeks. They do have ice cream but the athletes rarely eat it. They do have a soda fountain which has Powerade, ice tea and 2-3 soda choices but the athletes don’t drink the soda. Breakfast was always the same, vegetable omelets, oatmeal, hard boiled eggs, scrambled eggs and either pancakes or waffles. Cereal is limited to granola, Corn Flakes and Rice Krispies’s. Lunch and dinner tend to be similar with spaghetti with red sauce, rice, steamed vegetables, potatoes, chicken, pork tenderloin, broiled fish and lean cuts of beef. The cooks say they get bored making the same things for the athletes and try to use different seasoning but the athletes prefer plain chicken breast.

There is always a salad bar and a large refrigerator filled with Greek yogurt, Kefir and fruit. I did get pretty excited one day when we had Jell-O, but was sorely disappointed after my first bite

because it was sugar free. I definitely have a giant piece of pie waiting for me in the near future.

My experience at the Olympic Training Center has been a dream come true. I learned so much from the sports medicine staff and the athletes. I will cherish these memories forever. For now, I am thrilled to be back home in my ordinary chaotic life filled with “Average Joes”. I’d like to say a special THANK YOU to all my patients & staff, my husband and children for putting up with me being gone for 2 weeks. I missed you all! But to have an Olympic hopeful come up to me and say “I had my best time after you treated me!” made it all worth it.

To see photos from the Olympic Training Center, follow us on facebook at www. facebook.com/sportsandspinalwellness.

For more information about our practice call the Sports & Spinal Wellness Center at 518-869-3415 or visit our website at www.sportsandspinalwellness.com.

Dr. Kim Keeling resides in Guilderland with husband, Mark, and two children, Tristan and Taylor. She graduated from Northwestern Health Sciences University in Bloomington, MN. She has been a Certified Chiropractic Sports Physician for eight years.

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GIVE THANKS THROUGH SELFLESS ACTS OF KINDNESS Guilderland, NY- I love the autumn. I get to go back to school and activate my problem solving skills and help students complete the foundation of math necessary to survive in their world. The leaves change color, harvest is completed and the smell of warm fires begins to permeate the air.

The start of autumn leads to Halloween which leads us into Thanksgiving and into the start of the winter holidays. I simply love the season and all of the togetherness of family and friends.

I hope you have been enjoying your activities with your family or friends.

I try to help all of my students understand that saying thanks is excellent and many times the socially expected response, but feeling it and showing it is more important. Doing things for your parents unexpectedly and saying that you did it because you wanted to help and you are so grateful for what your parents have done for you, is a very good way to demonstrate your gratitude. Showing appreciation is significantly more valuable than saying a simple thank you.

As we approach Thanksgiving keep your focus on being selfless as your way of giving thanks. Being selfless in general is a way to say to the world at large that you are grateful for what you have, what you are able to do, and who you get to

be with. By contributing to the greater good by selfless acts we show our appreciation for what we get out of the world. Even when times are darkest and the world seems to be giving us nothing but challenges, we know deep down that it is not really true and we can change our outlook by performing selfless acts of kindness. Even if nothing changes for us, and things are still dark, we made someone else better and improved our surrounding world. It costs us nothing and certainly it did not make our situation worse.

During challenging times for our community it is even more important to be kind and selfless to all we encounter.

I believe that a focus on selflessness and kindness lies along our current path of evolution. I know that there are still horrible things happening, from our community stretching out to the whole world, but if you put it all in historical perspective, we are making steady progress toward a more kind, selfless and tolerant people.

You donâ&#x20AC;&#x2122;t even have to go back a thousand years in a history book to see how violent and selfish things were. Go back further and you can become quite appalled.

All of us can do our part to continue to be as selfless as we are able and spread the good character we have to assist our evolution along the right path. I try every day do this in the high school and my taekwondo school. I am not always successful, but just writing this become cathartic and re-inspires me to try harder. It is a small contribution to the greater good and has an impact no matter how small.

Master Rice owns Guilderland Martial Arts and holds a 5th degree Black Belt in Taekwondo. Master Rice is also a Math teacher at Guilderland High School. Guilderland Martial Arts offers classes starting at age 4 as well as an afterschool program and summer camps.

For more information please call 690-1269.

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from the

GUILDERLAND PUBLIC LIBRARY

2228 Western Ave, Guilderland • (518) 456-2400 • www.guilpl.org

FALL FICTION @ THE LIBRARY

by Natalie McDonough

Diane Chamberlain-

The Silent Sister

So what do you do when you find out that the sister that you thought had committed suicide long ago, had not only lived, but was alive today? As Riley MacPherson starts to clean out her father’s house after his death, she finds life more than death and tries to locate her older sister, and the mystery of where she has been for the past twenty years.

Mary Higgins Clark and Alafair Burke-

The Cinderella Murder

Our Library was fortunate enough to have hosted the charming Alafair Burke in 2013 when she spoke about her thrillers. In her latest work, she teams up with legendary mystery writer Mary Higgins Clark for a book about a reality television program about cold cases. There was a TV show of this same name a few years back, but the premise of the show in the book is that these are real cases that they are trying to solve. As the reality show has so many cases to choose from, the show and the authors have a series in the making. Don’t start reading this book too close to bedtime or you may find yourself reading late into the night.

John Connolly-

The Wolf in Winter

Diane Fanning-

Scandal in the Secret City

It’s sometimes in the small towns of America where you find the biggest secrets. In Prosperous, Maine, in the shadow of a church, a homeless man is found dead, and his daughter has disappeared. It is to this town that hardened investigator Charlie Parker finds himself as he tries to solve this murder. This is definitely a good choice for fans of Lee Child’s Jack Reacher series.

Before there were whistleblowers, there was Libby Clark. A scientist during World War II, she is sent to the newly built town of Oak Ridge, Tennessee at the time of the Manhattan Project. When a good friend’s sister is murdered, and she is told to forget what she has seen and what she thinks she knows, Libby doesn’t take no for an answer and sets out to find one what is happening in the facility, in the town and in the minds of her colleagues.

John Grisham-

Gray Mountain

I wasn’t sure if this was a “Grisham Grisham” when I first saw the title, as it looks more like one of his non-legal thrillers. Rest assured that this is a traditional Grisham novel, David vs. Goliath, with newly unemployed/newly volunteered attorney Samantha Kofer moving from the bowels of lower Manhattan to the coal mines of Brady, Virginia. It’s classic Grisham and a real page-turner.

Bradford Morrow- The Forgers

When his girlfriend’s brother Adam is murdered, valuable manuscripts and books are destroyed, Will thinks that life has hit its lowest point. But for this cagey literary forger, his life is about to get considerably more complicated as he starts to receive letters threatening to expose his and Adam’s secrets.

While Will can’t be counted on for his truthfulness, this thriller can be, and has received rave reviews from the press.

ABOUT THE LIBRARY The Guilderland Public Library is located at 2228 Western Avenue, Guilderland.

Visit the Library’s website at www.guilpl.org.

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KT TREE SERVICES, INC.

588-5490 TREE TRIMMING & REMOVAL 24 HOUR EMERGENCY SERVICE STUMP GRINDING • BRUSH HOGGING LAND CLEARING• PLOWING Visit our website for additional information:

www.kttrees.com

FULLY INSURED • FREE ESTIMATES A GUILDERLAND FAMILY OWNED BUSINESS

OurTowneGUILDERLAND.com

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TRASH TALK

Regain Your Youthful Appearance With an Epifacialâ&#x201E;˘

by Vince Coppola, Owner of Scrapster, LLC Guilderland, NY- Have a Safe Fall! I was looking up other contradictory statements like this on The Google, and found a Wiki How article about how to actually fall safely. The first key point was â&#x20AC;&#x153;Keep your head upâ&#x20AC;?. Great idea!

But as we often travel into some very low ceiling basements, this article has proven, shall we say, to be way, way less than helpful. Regardless, November is the perfect time to get your home organized before winter approaches. It is also a time of Thanks, as in â&#x20AC;&#x153;Thanks for reminding me, Scrapster, about calling you over to take this stuff out of hereâ&#x20AC;?!

Inside: Air conditioners, large and small household and kitchen appliances, pots and pans, computers, any electronic or stereo equipment, file cabinets, extension cords, vacuum cleaners.

Basement: Dehumidifiers, water heaters, furnaces, boilers, tanks, water softeners, cast iron, steel or copper pipes and pipe fittings, wire, power cords, extension cords, lights, fans.

Outside: Lawn and patio furniture, metal gazebo, beach chairs, gas grill, fire pit, outdoor cookers, metal swing set, basketball poles, metal fencing, gates and fence posts, gutters.

Garage: Hand and power tools, aluminum storm doors and windows, steel doors, car batteries, bicycles, lawn mowers, lawn tractors, snow blowers, all outdoor tools such as rakes or shovels, wheelbarrows, car or truck parts, gas powered and electric motors, ladders, shelving, cabinets.

Our company is Scrapster, LLC, the Capital Regionâ&#x20AC;&#x2122;s premier NO COST scrap metal and appliance removal and recycling service. We are a local family owned business and cover the entire Capital Region. We have processed 2 million pounds of scrap metal and junk since 2010! We are fully insured, convenient, and reliable and always provide top Quality work to get the job done safely. Everything is properly recycled, disposed of, or donated.

LOW COST junk removal and clean outs are another major service we offer.

Scrapster is an official New York State DEC approved location for business or personal computer & electronics recycling. We are also EPA608 certified for all types of Freon (refrigerant) recovery and removal from refrigerators, freezers, air conditioners, dehumidifiers and coolers.

Please call us today at (518) 505-5055. Scrapster will remove the items from exactly where they are located-you donâ&#x20AC;&#x2122;t need to do a thing... â&#x20AC;&#x153;Donâ&#x20AC;&#x2122;t Worryâ&#x20AC;Ś We Can Take It!â&#x20AC;?â&#x201E;˘ Please visit our website at www.scrapster.com for more information or to schedule an appointment online.

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Sommers & Magilton Tax and Business Services

Dennis Magilton, EA Enrolled Agent

W Ralph Sommers, EA Enrolled Agent

Individuals * Partnerships * Corporations *Trusts Estates * IRS Audits * Bookkeeping * Business Services Only Enrolled Agents have demonstrated to the IRS their competence in all areas of taxation, representation and ethics and are given unlimited representation rights before the IRS. Website: smtaxes.com 1971 Western Ave Albany, NY 12203

Phone: (518)-869-2112 Email: Dennis@sommerstax.com

Members of Guilderland Chamber of Commerce, Albany Colonie Regional Chamber of Commerce, National Association of Tax Professionals and National Association of Enrolled Agents

Have a HAPPY THANKSGIVING!

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Eld erL a w R o b ert G .R an dall,Jr.* D en ise M cC arth y R an dall

Pers on a l,C ou rteou s Lega l R epres en ta tion

1777 W estern A v e., A lb an y,N Y 12203 * M em ber,N ation alA cadem y of E lder L aw A ttorn eys

869-1205 w w w .ran dalllaw firm .com

Important Numbers Emergencies POISON CONTROL

911 800-336-6997

Ambulances: Voorheesville Area Western Turnpike Rescue Squad - Centre Drive Western Turnpike Rescue Squad - Carman Road

765-2344 456-3600 456-5144

Police: (Non-emergency) Altamont Police Department Guilderland Police Department New York State Police-Guilderland Substation

861-5480 356-1501 456-1118

Fire Departments: (Non-emergency) Altamont Fort Hunter Guilderland Guilderland Center McKownville Voorheesville Westmere

861-8171 355-2434 456-5000 861-8871 489-4340 765-4048 456-5200

Post Offices: Altamont Guilderland Guilderland Center Stuyvesant Plaza

861-6953 456-1400 861-5090 438-0773

www.guilderhaven.org

Schools: Altamont Elementary Christ the King School Guilderland Schools Transportation Guilderland District Administration Guilderland High School Farnsworth Middle School Guilderland Elementary Lynnwood Elementary Pine Bush Elementary St. Madeleine Sophie Westmere Elementary

Thank you to everyone that came out to support us at our “Gathering of Friends” fundraiser.

To make a Donation Mail to: Guilderhaven inc.

6655 Route 158 Altamont, NY 12009

861-8528 456-5400 861-6434 456-6200 861-8591 456-6010 869-0293 355-7930 357-2770 355-3080 456-3771

General Information: Albany Better Business Bureau 1-800-828-5000 Albany County Clerk’s Office 487-5100 Albany County Executive’s Office 447-7040 Altamont Fairgrounds 861-6671 Altamont Village Hall 861-8554 Guilderland Animal Control Officer 356-1501 Guilderland Animal Shelter 861-6855 Guilderland Chamber of Commerce 456-6611 Guilderland Highway Department 861-5108 Guilderland IDA 356-1980 Guilderland Interfaith Council 456-5410 or 355-3000 Guilderland Parks & Recreation Department 456-3150 Guilderland Performing Arts Center 456-8604 Nott Road Park 869-9884 Park Superintendent 456-8220 Summer Day Camp (Tawasentha) 456-3475 Town Pool 456-4446 Guilderland Public Library 456-2400 Guilderland Town Hall 356-1980 Guilderland Transfer Station 861-6776 Guilderland Water & Wastewater Management Dept.

456-6474

FOR ADOPTION Moose is a small sweet lovable long-hair blue gray male kitty looking for a forever home. When we met him his situation was dire. Moose was living outside a funeral home for the last several years w/ a neighbor feeding him from time to time and in desperate need of dental work due to rotted teeth and no regular drinking water. We were told that the last few winters he would crawl into a neighbor's garage via a hole in the wall to try and stay warm. Although Moose was in a terrible situation he would roll over and give us his belly to be rubbed. Moose is a remarkable resilient kitty! Moose is now rescued and living in a foster home. He is the ultimate lap cat. He likes to purr and sit next to you or in your lap and then purr some more. He never stops wanting to be patted. When you come home he will run up to you with his short little legs and greet you with a meow. His other favorite things to do are play w/ his cat-nip toy and look out the window and watch the birds.

Moose will do best in a quiet home. He may start out slowly but then he will become your best friend. He is enjoying his foster mom and gets along very well w/ the other kitties in the house!Moose is healthy! His senior blood work looks great and he has had a complete dental. The vet estimated his age around 7 to 10 yrs old. He is neutered, tested negative for FIV/Felv, and up-to-date on his vaccines.

If you would like more info contact Laurie at Guilderhaven at 518-461-0251 or brightsky@nycap.rr.com Ivy is a small very sweet active little girl.

She is a beautiful DSH hair w/ green eyes.

She was found starving in an inner-city back yard. She had a severe flea allergy with very little hair on her body and looked so very helpless. Although she would run up to the home owner begging for food he choose not to feed her. Ivy was rescued and she immediately thanked us by curling up in our lap and snuggling.

Although Ivy is almost one year old she still has some kitten qualities. She has energy and loves to run around the house. She loves her toys!! She also likes to take time out from her playing to cuddle in your lap or help you with your office work. She will want to cuddle up and sleep w/ you every night with no exceptions!

Ivy loves to look out windows and meet you at the door when you come in. She likes to be around the home activities. Although Ivy gets along very well w/ the other 5 cats in her foster home Ivy insists on being the only cat to sleep on the bed w/ her Dad at night. Ivy is spayed, up-to-date on her vaccines and has tested negative for FIV/Felv. If you would like to know more, please contact Laurie at brightsky@nycap.rr.com or 518-461-0251 OurTowneGUILDERLAND.com

November 2014

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Community Caregivers 20 years of helping your neighbors stay in their homes and supporting caregivers.

VOLUNTEERS NEEDED As we enter the next decade, please join us as a volunteer, client or donor.

• Volunteers-provide transportation, assist with shopping or make social visits • We have education programs, a support group and respite services for caregivers Community Caregivers, Inc. 2021 Western Avenue, Suite 104, Albany, NY 12203 518-456-2898 info@communitycaregivers.org www.CommunityCaregivers.org

Capital Upholstery A CUSTOMER SERVICE BUSINESS

G ET A JUMP ON FALL! In just a few short weeks our workroom will be

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Update your home now with fresh new fabrics for your furniture and windows.

Call now for your free in-home estimate.

765-2169 Check out our website

www.capitalupholsteryinc.com

TEA SEASON HAS ARRIVED: THE TOP 4 QUESTIONS WE GET ASKED ABOUT TEA. What is tea?

Tea comes from two closely related plants originating in China and India. White, Green, Oolong, Black and Pu-erh are all from these tea plants, but what happens after new growth is harvested determines the tea type. White and Green teas are plucked and dried for preservation by the sun or pan fried. White tea is light, while green tea has a grassy flavor. Oolong, with buttery/ nutty flavor, is picked, bruised and left to partially oxidize. Black teas are fully oxidized and are quite strong with a malty character. Pu-erh is aged black tea and is known for its earthy finish.

What about other teas?

If the plant, flower, or leaf you are steeping doesn’t contain the tea plant, it is a tisane. Most fruit and herbal tisanes are caffeine free and known for their medicinal qualities. For example, chamomile is known for its calming affects. Rooibos (ROY-bos) is known to aid digestion.

Hibiscus is suggested to help blood pressure and hypertension. Yerba Mate is used as an energy booster.

How should I brew my tea?

Each type of tea has a recommended water temperature and length of steeping for optimal flavor. Generally, a teaspoon of tea leaves is used for an 8oz cup. Some teas may call for more and the drinker can always adjust the amount to his/her preference. Here is a brewing cheat sheet to go by: Tea

Tsp/8oz

Water Temp.

Time

Oolong/Black Tea

1

190F – 205F

3-5 min.

White Tea

1.5

180F

3-5 min.

Green Tea

1

175F

2-3 min.

Herbals/Tisanes

1.5

212F

5-7 min.

What’s the difference between loose tea and tea bags?

As the tea market is growing, you might come across whole leaf tea in specially designed tea bags, but typically if you cut open a paper tea bag, you’ll find dust. That’s what the industry calls the smallest particles in the sorting process. When pounds of whole leaf tea are processed, the damaged and dried pieces fall to the bottom. This is scooped up and put into tea bags. Part of our evaluation of new tea is looking for the freshest leaves that shine and have a great aroma. This is indicative of tea that isn’t dried out, has its essential oils ready to be infused, and will provide a flavorful cup.

Column by Joyce and Matt Zacharewicz of Short and Stout Tea Company where you can find over 120 premium teas and tisanes from around the world. The shop is located at 1736a Western Avenue, Guilderland and is a perfect place to meet up with friends or catch up on reading or homework. There are several cozy areas to sit while enjoying a pot of tea with a variety of sweet and savory pastries. The retail section offers convenient grab and go teas to make at home as well as a full line of accessories.

At Short and Stout - It’s Time for Tea. OurTowneGUILDERLAND.com

November 2014

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PRESORTED STANDARD US POSTAGE PAID ALBANY, NY P Ùîã NÊ. 518

OUR TOWNE GUILDERLAND

STAR PLAZA - 2050 Western Ave, Suite 201 Guilderland NY 12084

To AdverƟse in the Our Towne Guilderland Monthly Shopper, Please Call (518)356-3898 DEADLINE- Last Friday of Each Month

Guilderland Market Update - October, 2014 YTD Total Listed

Number Sold

% Sold

Avg List Price

Avg Sale Price

Sale/List WƌŝĐĞ ZĂƟŽ

Avg Days On Market

% Expired

652

325

50%

$285,000

$281,000

98.7%

60

25%

dŽ ŐĞƚ ƚŽ ƚŚĞ ĐůŽƐŝŶŐ ƚĂďůĞ ƚŽĚĂLJ LJŽƵ ŶĞĞĚ Ă ƌĞĂůƚŽƌ ǁŚŽ ŝƐ Ă ƐŬŝůůĞĚ ŶĞŐŽƟĂƚŽƌ ǁŝƚŚ ƚŚĞ ĞdžƉĞƌŝĞŶĐĞ ĂŶĚ Ă ƉƌŽǀĞŶ ƚƌĂĐŬ ƌĞĐŽƌĚ ŽŶ LJŽƵƌ ƐŝĚĞ͘ tŝƚŚ ϵϱ ƚƌĂŶƐĂĐƟŽŶƐ ƐŽ ĨĂƌ ŝŶ ϮϬϭϰ͕ Ă ϵϵ͘ϲй ƐĂůĞͬůŝƐƚ ƉƌŝĐĞ ƌĂƟŽ͖ ĂŶĚ ŽǀĞƌ ϮϯϬϬ ŚŽŵĞƐ sold during 28 years in the business,

&ƌĂŝĚĂ sĂƌĂŚ ŚĂƐ ƐŽůĚ ŵŽƌĞ ŚŽŵĞƐ ŝŶ ůďĂŶLJ ŽƵŶƚLJ ƚŚĂŶ ĂŶLJ ŽƚŚĞƌ ƌĞĂůƚŽƌ͘ To check selling prices in your neighborhood, go to fraida.com and clicking “What’s Your Home Worth?”…or call us at 438-9302.

1414 Western Avenue, Guilderland

•

Phone: 438-9302

•

email: fraida@fraida.com