Our Towne Guilderland - September '18

G

OUR TOWNE GUILDERLAND

MID-SEPTEMBER 2018

• Local Business News • Community Events • Community Information

Guilderland Farmers Market SUNDAYS IN SEPTEMBER & OCTOBER 9am - 3pm • Star Plaza • details pg. 23

ALBANY BEVERAGE Discount Beer & Soda

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Route 146 & Route 20 • Carman Rd. • Guilderland Mon. - Wed. 9am - 8pm • Thurs.-Sat. 9am - 9pm • Sunday 11am -5pm

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• NO Machines • NO ID# Bags • NO WAITING! • ALL Brands Accepted

• Appointments for large quantities.

• Bottle Drive Fundraisers available.

Honor Flight Bottle & Can Drive - All proceeds to help send US Veterans to Washington, D.C..

NEWITE! S WEB

Bottle Drive for the Rodino Family - All proceeds to help the Rodino’s battle with Huntington’s Disease.

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Lawson’s Sip of Sunshine Troeg’s Giant Nimble Industrial Arts Brand Finback Brewery Cigar City Brewing

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GRADING EXCAVATION HYDRO SEEDING TRUCKING COMMERCIAL SNOW PLOWING

St Boniface Episcopal Church with the Lyme Action Network present: Professor Holly Ahern

WHAT YOU NEED TO KNOW ABOUT LYME AND OTHER TICK-BORNE DISEASES When: Thursday September 27, 2018 at 7:00pm Where: St. Boniface Episcopal Church 5148 Western Turnpike, Guilderland, NY 12084

1971 Western Ave. Albany (Guilderland) 452-6085 Next to Hewitt’s Garden Ctr. M-F: 8-6:00 Sat 8-4:00 2

Mid-September 2018 |

Professor Ahern is co-founder and Vice-President of the Lyme Action Network. She serves as science advisor to a number of other tickborne disease research and advocacy organizations around the country, as well, and was recently appointed to the U.S. Dept. of Health and Human Services Working Group on Lyme and Tick-borne Diseases – Subcommittee for Testing and Diagnostics, where she is working with experts representing ALL perspectives to develop better solutions for the victims of tick-borne diseases.

FREE AND OPEN TO THE PUBLIC.

www.OurTowneGuilderland.com for Advertising Rates & Specs

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21

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22

Star Wars Cosplay 101

7:00 PM

10:00 AM 6:00 PM

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Drop-in Knit & Stitch Beginning English for Speakers of Other Languages Safe and Seen: How to Support Your LGBTQ Friends and Family with Lyndon Cudlitz

10:00 AM Drop-in Knit & Stitch 6:00 PM Beginning English for Speakers of Other Languages 6:30 PM Start Your Blog!

10:00 AM Drop-in Knit & Stitch 3:30 PM GPL Sprouts: Lab Works with Mad Science™ 5:30 PM RAD Self Defense for Women 16+ 6:00 PM Beginning English for Speakers of Other Languages

10:00 AM Drop-in Knit & Stitch 3:30 PM Little Lego Club 6:00 PM Capital District Knitting Guild 6:00 PM Beginning English for Speakers of Other Languages 7:30 PM Night Owls Book Discussion

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Note: UNDERLINED events require registration: Call 518-456-2400

1:30 PM

1

10:00 AM Drop-in Knit & Stitch 6:00 PM Beginning English for Speakers of Other Languages 6:30 PM Family STEAM Nights

MONDAY

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EARLY CHILDHOOD PreK - GRADE 2 GRADES 3 - 5 TWEEN & TEEN FAMILY/ALL AGES ADULT

Color Key:

SUNDAY

OCTOBER 2

WEDNESDAY 3

10:30 AM 10:30 AM 12:00 PM 3:30 PM

6:30 PM

10:30 AM 10:30 AM 12:00 PM 3:30 PM 5:30 PM

6:30 PM

10:30 AM 10:30 AM 12:00 PM 3:30 PM 5:30 PM

10:30 AM 10:30 AM 12:00 PM 3:30 PM 7:00 PM

Toddler Time Baby Bookworms Drop-in Knit & Stitch Tech Time!

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Toddler Time Baby Bookworms Drop-in Knit & Stitch Tech Time!

RAD Self Defense for Women 16+ Stick Dog Craves Candy!

Toddler Time Baby Bookworms Drop-in Knit & Stitch Tech Time!

RAD Self Defense for Women 16+ A Walk in the Park: Tips for Visiting Disney

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Toddler Time Baby Bookworms Drop-in Knit & Stitch Tech Time!

Strenthen Your College Application!

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Toddler Time 24 Preschool Drop-in Storytime eBook Office Hours Beginning English for Speakers of Other Languages Our World Remade: A Reading and Discussion Series about World War I Creepy Halloween Luminaries

17 Toddler Time Preschool Drop-in Storytime eBook Office Hours Library Club A Change for Good: A CDPHP Program Beginning English for Speakers of Other Languages Our World Remade: A Reading and Discussion Series about World War I

Toddler Time 10 Preschool Drop-in Storytime eBook Office Hours Drop-in Genealogy with Lisa Dougherty Beginning English for Speakers of Other Languages Read to Furry Friends Cookbook Club: Our Syria or Persiana

10:15 AM Not-So-Spooky 31 Costume Party and Storytime 3:00 PM GPL Pops Up @ Mallo-ween!

6:00 PM Beginning English for Speakers of Other Languages

6:30 PM

6:30 PM

2:00 PM 6:00 PM

10:30 AM 10:30 AM

6:30 PM

6:00 PM

2:00 PM 3:30 PM 6:00 PM

10:30 AM 10:30 AM

6:30 PM 7:00 PM

6:00 PM

2:00 PM 6:00 PM

10:30 AM 10:30 AM

10:30 AM Toddler Time 10:30 AM Preschool Drop-in 10:30 AM Toddler Time Storytime 10:30 AM Baby Bookworms 6:00 PM Beginning English 12:00 PM Drop-in Knit & Stitch for Speakers of Other Languages 3:30 PM Tech Time!

5:00 PM GPL Pops Up @ Ladies 6:30 PM Our World Remade: A Reading and Night Out! Discussion Series about World War I

TUESDAY 4

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10:30 AM 3 Little Birds: Music & Movement

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10:30 AM 3 Little Birds: Music & Movement 3:30 PM Project Picture Book!: Colorful Chameleons 7:00 PM You’re A Quizzard, Harry: Potter 20th Anniversary Trivia

Duke Ellington-American Genius

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New Regular Hours

Better Angels: Red/ Blue Workshop 10:00 AM Drug Take Back Day

9:30 AM

2:00 PM

20

13

Guilderland Farmers Market - Harvest Festival

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10:00 AM Better Books Sale 10:00 AM GPL Pops Up @ Albany County Cares - Live Life Local Event @ Crossgates Mall 10:00 AM Autumn Marketplace 10:30 AM Go Batty with Stellaluna

3:00 PM

SATURDAY

Monday – Thursday: 9:30am – 9pm Friday: 9:30am – 7pm Saturday: 9:30am – 5pm • Sunday: 1pm – 5pm

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18 Preschool Drop-in Storytime Wee Waddlers Rhyme Time Guilderland Library Foundation, Directors’ Meeting Gay and Lesbian Rights in the 20th Century US: How We Got To Today Board of Trustees’ Regular Business Meeting

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10:30 AM 3 Little Birds: Music & Movement

FRIDAY

10:30 AM Preschool Drop-in Storytime 10:30 AM Wee Waddlers Rhyme Time 10:30 AM 3 Little Birds: Music & 4:00 PM Flu Vaccine Clinic with Movement Rite Aid Pharmacy 6:30 PM TimeOut (for Parents!): The Magic Years (Setting Routines)

7:00 PM

7:00 PM

6:30 PM

10:30 AM

10:30 AM

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10:30 AM Preschool Drop-in Storytime 10:30 AM Wee Waddlers Rhyme Time 3:30 PM GPL Adventures: Nature Hunt 7:00 PM Downsize Now

10:30 AM Preschool Drop-in Storytime 10:30 AM Wee Waddlers Rhyme Time 7:00 PM Great Books Discussion Group: Dune

THURSDAY

518-456-2400 • guilderlandlibrary.org

2228 Western Avenue • Guilderland, NY 12084

at Guilderland’s Gathering Place

2018

notes from the SUPERVISOR’S OFFICE

5209 Western Ave, Guilderland • (518) 356-1980 • www.townofguilderland.org Guilderland, NY - With this hot and somewhat wet summer coming to a close, I want to acknowledge Town employees who have worked diligently to maintain Guilderland’s lovely recreational facilities and open space, and kept all phases of Town operations flowing smoothly throughout the summer season.

The abundant recent rainfall has helped reduce water demand for lawn and outdoor uses, but the lawn sprinkling regulations remain in effect until September 15th. The heavy rain brings large quantities of stormwater into the Watervliet Reservoir which requires prolonged processes at the filtration plant to clean the stormwater, reduces the plant’s output, and thereby leaves lower water levels in the Town’s water tanks. The water tanks require a minimum amount of water to create adequate water pressure in homes and fire hydrants. By next summer, the Town expects to add a new water connection with Rotterdam, which should help with maintaining adequate pressure.

I am also pleased to report that the Town’s new advanced life support ambulance has exceeded the goals identified by Dr. Donald Doynow, Town Medical Director, in starting a Town ambulance service including a need for overnight coverage in the Carman Road area and a reduced reliance upon ambulance companies coming from nearby jurisdictions.

In the first five weeks of its deployment, the Town ambulance received 175 requests for service in the Town, of which 119 calls required transport to a hospital, and 79 calls required advanced life support including cardiac, advanced respiratory support, monitoring of hospital EKG transmissions, administration of pain management, and IV therapy. In August, there was no need for mutual aid assistance from neighboring communities, in contrast to ninety (90) mutual aid calls in 2018 before the Town ambulance was placed in service.

Peter G. Barber - Town Supervisor French’s Mill Road in Guilderland Center. I joined Animal Control Officers Bob Meyers and Kathy Foley who care for lost and abandoned dogs in a clean, modern, and humane facility. Both officers tirelessly work to reunite lost pets with their families and, when necessary, find loving families for orphaned animals. If you are interested in animal adoption, like “Elsie,” a year old mixed Pug (see photo), please check Animal Control’s page on the Town website or call the shelter at (518) 861-6855.

I joined ACO Meyers as he responded to calls for assistance, including his rescue of new born ducklings from a drain in a backyard pool with a protective mother duck closely monitoring. I learned that while ACO Meyers and ACO Foley are well-trained and provide the best care for animals in their charge, they are not wildlife officers. Ducks, foxes, bobcats, coyotes, fishers and other wildlife are under the jurisdiction of NYS Department of Conservation. Animal Control helps monitor unusual activity by these animals and informs NYS DEC. As a result, ACO Meyers could reunite the ducklings with their mother but could not transport the duck family to another location. Instead, the ducks would soon exit the fenced yard and find their own way to natural habitat. I thank ACO Meyers and ACO Foley for their loving care of animals at the shelter and their dedicated and professional service to the community.

Elsie

Most importantly, the average response time between call and arrival at the scene has been reduced in half from 12.7 minutes to 6.2 minutes in the Carman Road area. I thank the Town’s paramedics and new emergency medical technicians for their indispensable role in providing superior emergency medical care to Town residents and visitors. I also thank Western Turnpike Rescue Squad and Altamont Rescue Squad for their support of the new Town ambulance, including providing backup for the Town ambulance and allowing its housing at their facilities, and their collective role in improving response times.

By now, if you own real property in the Town, you should have received the Town Assessor’s Property Description Report which provides details about your property. I thank residents who have signed and returned the completed report. So far, the response has exceeded expectations, and I thank residents for helping the Assessor with this important task.

If you have not responded, please do so by September 10th. In addition to returning the report by mail to the Assessor’s Office at Town Hall, you can email it to assessors@togny.org . If you have misplaced or lost the report, please call the Assessor’s Office at (518) 356-1980 to request another property summary.

I recently spent a morning with the Town’s Animal Control Department which operates from the Richard Murray Animal Shelter at 6363

With the start of the new school year, please be mindful of students waiting for buses and making last second dashes to catch the bus.

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Mid-September 2018 |

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On Saturday, October 6th from 8am to 2pm, the Town is holding its fall Household Hazardous Waste Day at the Highway Department Garage, 6338 French’s Mill Road, just off of Route 146 in Guilderland Center. Please review the list of acceptable hazardous waste at the Transfer Station’s webpage. Also, on Saturday, October 6th from 9am to Noon, the Town is holding a Document Shredding Day at the Transfer Station, across the street from the Highway Department Garage. Residents can bring up to four boxes of documents and records without charge.

Residents can pick-up passes for both of these events at Town Clerk’s Office or Transfer Station.

Senior Services

For the latest newsletter & calendar of events, please visit:

www.townofguilderland.org/senior-services

WATER is ESSENTIAL for LIFE. NEW TECHNOLOGY IN WATER TREATMENT

Removing Iron & Sulfur with NO Chemicals Get rid of your inadequate Chlorination Systems Today!

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Member of the Guilderland Chamber of Commerce Rated #1 IN CUSTOMER SATISFACTION Growing up Locally, we know how hard your water is!

Thank you for taking the time to read these notes.

Peter G. Barber Town Supervisor

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Guilderland, NY

| Mid-September 2018

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FEEDING THE BODY WITH THE FALL HARVEST By: Dr. Kim Leis-Keeling

Guilderland, NY - As much as I’m sad to see summer disappear, I do love BRUSSEL SPOUTS & CABBAGE: Cabbage has the highest amount of the beauty and aroma of fall. One of my favorite indulgence of the season

powerful antioxidants found in the cruciferous vegetables. Both are also

is the fall harvest of fruits and vegetables. My children would disagree since rich in vitamin K which aids in bone health and preventing Alzheimer’s they are forced to spend a day helping me cut corn off 100 ears of sweet disease. It is also a good source of the B vitamins thiamine, pyridoxine, corn to freeze and pulling grapes for homemade grape juice. These are very

pantothenic acid and folate – all which keep our nerves healthy and help

messy productions but the kids always love the yummy tastes of summer give us energy. during the cold winter months. As you enjoy the flavors of fall, chew on these healthy aspects of your food.

Enjoy the flavors of fall while your body reaps the nutrient benefits. As always, if you have questions about this article please feel free to contact

APPLES: Who doesn’t love a fresh apple crisp or apple pie? Apples

me at the Sports & Spinal Wellness Center at 518-869-3415. Follow us

are full of nutrients including 4 grams of fiber in each, vitamin C and on Facebook or visit our website at www.sportsandspinalwellness.com potassium. They contain great antioxidants including quercetin which is anti-inflammatory, anti-viral, anti-cancer and anti-depressive effects. They also contain catechins, similar to green tea, which help with brain and muscle function.

GRAPES: One of the key nutrients that make grapes so beneficial is Resveratrol. This is a very powerful antioxidant that is anti-inflammatory and has been shown to slow and prevent the growth of some tumors.

Grapes also contain quercetin, fiber and potassium.

PEARS: While containing a fair amount vitamin C, anti-oxidants and flavonoids, pears biggest nutrient punch comes from its fiber content. One pear contains 6 grams of fiber. We should all aim to get 30 grams of fiber each day. Including one pear in your daily nutrition is a great way to reach that goal.

SWEET POTATOES: One cup of sweet potato boasts 3 grams of plant based protein, 4 grams of fiber and 6 times our RDA for beta-carotene (vitamin A), B5 and B6. They are also rich in magnesium, potassium and manganese – which all help keep our bones and heart healthy.

BUTTERNUT SQUASH & PUMPKINS: Similar to sweet potatoes, these are rich in fiber and vitamin A. One serving contains half your RDA for vitamin C, it also contains folate, magnesium, manganese and potassium. All these nutrients make a perfect combination to help you lower blood pressure. Enjoy that warm bowl of butternut squash soup and pumpkin pie!

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Mid-September 2018 |

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Guilderland, NY

| Mid-September 2018

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THE NOTEBOOK

by Margaret C. Tabak, Esq.

1) 2) 3)

A get-your-hanky-out book and movie; or What you should be using to keep track of expenses; or All of the above.

If you picked #3, you are correct. A well-kept notebook, in my line of work, often avoids the use of your hanky.

Parents who are apart often have to share expenses. Some of these are statutory, health insurance, medical expenses, and child care1, while others may be agreed upon, such as extracurricular activities. While it may seem simple to share the cost of routine expenses, people often get into disagreements as to how much is owed, or simple don’t pay their share. This often leads families back to court where they may spend more money in legal fees than they would have had they simply billed/or paid the expense. Here are some suggestions as to how to avoid these problems: 1. Have a clear agreement. Your final agreement or Order should be specific as to what each parent is obligated to pay for and what his/her share of that expense is. If you are paying for optical- are you agreeing to pay for contact lenses? If you are paying school expenses, does that include field trips or just pencils? If you are “sharing” is that 50/50 or some other amount?

2. Have a clear reimbursement scheme- If your agreement says that the parent who has incurred an expense will be reimbursed, what does that mean? What is the time frame? Language such as “the parent who has incurred the expense will provide proof to the other parent (i.e., receipt, cancelled check) within 2 weeks of incurring the expense and will be reimbursed within 2 weeks of providing proof ” means that within 1 month that expense should be billed and reimbursed.

3. Keep Track! - This brings me to “The Notebook”. While there are many online programs for separated families that help track expenses and reimbursement, if you are not using one of them I cannot stress how helpful a simple 25¢ notebook be. As you make any payment, jot it down. For example: 9-4-18 $100 support paid by income deduction. When you incur an expense, have a chart: Date incurred/ Date sent/ what expense was for/ how much/ when was it reimbursed. If the other parent does not reimburse you, then you have a list of blanks and can easily make the calculations and prove what is owed to a court.

Many of my clients like to use spreadsheets, such as excel. The problem is that spreadsheets can easily be manipulated. While creating a spreadsheet from your notebook may be helpful, nothing works as well, or is as easily persuasive, as walking into court with your pile full of notebooks with records that are accurate and easy to read.

Don’t be “too busy.” A minute here and there keeping track of expenses and paying your share can save you a great deal of time, money, and aggravation in the long run.

1

Family Court Act §413

from TABAK & KIOSSE, LLP

100 Great Oaks Boulevard, Suite 122, Albany • (518) 464-4095 www.tklawllp.com Margaret C. Tabak is a partner at Tabak & Kiosse, LLP, a law firm located in Great Oaks Office Park (near Crossgates Mall). Along with her partner (Leyla A. Kiosse), Attorney Tabak counsels clients on all matters related to matrimonial and family law. A resident of Guilderland for more than 20 years, Margaret received her undergraduate degree from SUNY Albany and her law degree from Albany Law School. If you have questions about a matrimonial or family law issue, contact Attorney Tabak for a consultation by calling 464-4095 or visiting the firm’s website, www.tklawllp.com.

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Mid-September 2018 |

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Back to School

By Master Rice

Guilderland, NY - This is a very exciting time of year. Children of all ages are

change, the change

heading back to school. It is an annual cycle within which many lives operate.

that

It is the spring of education: a new start, a new chance, the beginning of a

represent. We also

round of growth. Even if you have finished formal schooling, I bet you still

need

remember the back-to-school experience when you feel the cooling air as

balance that academic

summer ends. Use this taste of autumn to feel like a kid again, to feel hope for

and mental growth

new learning and new accomplishments. Learning never ends and positive

supplemented

attitude to accompany it must continue to thrive.

proper physical exercise and physical goals brings to our existence.

At Guilderland Martial Arts, we are wrapping up a wonderful summer of

As martial artists, we often find it easy to apply lessons in martial arts to

training and fun. I had the opportunity to train and compete with my family

our academic or job related learning. Whatever your passion is for physical

and enjoy our son Mete in Summer camp. Now it is time to start planning

activity, it too can drive and positively affect your mental accomplishments.

our new growth and learning in Taekwondo just as we are preparing to

This is the yin and yang of life. Without the physical the mind grows weak,

return to school. For some of us, this means we must start our planning to

without the mind the body can only do so much. Without hard work there

compete at the state championships and nationals; it is the cycle that closely

can be no appreciated vacation, and without the vacation the hard work

follows the school year. For others it is time to finalize training for the next

slowly pales. Without the fall there can be no spring, and without the work

level of Blackbelt or to plan the training through the stepping stone color

and effort of this school year there could be no summer off.

belts for the year.

the

seasons

balance,

the

with

I hope everyone in our community enjoyed their summer and I wish all of

As you begin this school year, whether for yourself, your family or the

our students, faculty and staff in our esteemed Guilderland Central School

community, remember to balance and plan your life for growth. Without the

District the best of success and growth this year. Keep a positive attitude

coming autumn and the return to school with all of its disciplines and foci,

about everything you do. Even if you feel it unwarranted, it will always make

the winter would seem all too abrupt and the summer no relief at all. We need

every experience better.

GUILDERLAND MARTIAL ARTS 2563 Western Ave, Guilderland • (518) 690-1269 www.guilderlandmartialarts.com Master Rice owns Guilderland Martial Arts and holds a 6th 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.

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| Mid-September 2018

11

Section 529 college SavingS PlanS by

Douglas bauer

Guilderland, NY - Those interested in saving money towards future higher education expenses are faced with several different options.

Among these options is a Section 529 College Savings Plan, which has emerged over the past 20 years as a popular college savings vehicle.

Section 529 plans are administered by the state in which the plan is offered. The various plans which are available are similar in the following regards: 1.

A plan is established by an account owner (typically the person who funds the account), with a designated student beneficiary.

The owner and beneficiary can be the same person.

2.

Contributions can be allocated among a number of different investment options offered within the plan.

3.

The account balance grows tax-deferred over time.

4.

If used to pay for qualified higher education expenses for the account beneficiary, withdrawals are made on a federal and state tax-free basis.

5.

The owner may change the account beneficiary, provided the new beneficiary meets certain relationship rules compared to the former beneficiary (i.e. sibling, child, etc.).

6.

If the owner and beneficiary are different, the owner may accelerate up to five years of the annual gift tax exemption (currently $15,000 for 2018) into a single year. Thus, a single owner could open a 529 savings plan with a named beneficiary and immediately contribute up to $75,000 to the plan without incurring gift tax consequences (please consult your tax advisor for additional information).

Beyond the above, various states have additional potential benefits. For example, a New York State resident who owns and contributes to a NY Section 529 Savings Plan is eligible for a state income tax deduction of up to $5,000 ($10,000 if married filing jointly) for contributions made during a given year.

New York State offers two Section 529 Savings Plans – the Direct Plan, and the Advisor-Guided Plan. The Direct Plan contains investments managed by The Vanguard Group and holds approximately $21.6 billion of assets, while the Advisor plan offers investments from JP Morgan Funds and holds approximately $5.3 billion of assets. The Direct Plan has total administrative and investment costs of 0.16% per year. The Advisor Plan has total administrative and investment costs which range from 0.40% to 2.11%. Additionally, Advisor-Guided Plan contributions may be subject to front-end or back-end sales charges.

While the Direct Plan does not require an advisor relationship to establish an account, investors may still wish to consult a Registered Investment Adviser who can provide guidance on the account-opening process and investment selections. Additionally, would-be 529 plan investors should be aware of the potential impact on financial aid to the beneficiary.

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

Douglas J. Bauer, CFP® is a principal advisor at AllSquare Wealth Management, LLC. As part of assisting clients with their overall wealth management needs, AllSquare Wealth offers income tax planning and income tax preparation services.

AllSquare Wealth Management, LLC is a registered investment adviser.

12

Mid-September 2018 |

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| Mid-September 2018

13

Do only what my insurance covers!

Scenario #1: A 10 year old girl complains of frequent headaches and when it begins to interfere with attendance at school, her parents take her to the doctor. After accessing the child, the doctor states he needs an x-ray for a more decisive diagnosis. The parents agree. The doctor finds a tumor and reports that luckily it is early and very small and feels with immediate treatment, there will be a positive outcome although unsure if his treatment will be covered by insurance. The parents tell the doctor to do whatever is needed.

Scenario #2: A 10 year old girl complains of frequent jaw pain and when it begins to interfere with attendance at school, her parents take her to the dentist. After accessing the child, the dentist states he needs an x-ray for a more decisive diagnosis. The parents disagree stating that x-rays are not covered under their dental plan. The dentist is concerned for the child and so takes an x-ray at no charge and finds decay, but luckily it is small and feels if treated immediately, there will be a positive outcome. The parents feel that since it is small, they can put this off for a few months as they have vacation plans and can’t afford this right now as their current dental insurance will not cover the procedure. While on vacation, the child wakes up in pain, this time with a swollen jaw. They take her to the emergency room and find the tooth is abscessed and she needs to be put on an antibiotic. Another x-ray is taken only to find that the decay spread and the root is now involved and the child now needs a root canal or she will lose the tooth.

It is a mistake to let benefits be your sole consideration when you make decisions about dental treatment. People who have lost their teeth often say that they would pay any amount of money to get them back. Your smiles, facial attractiveness, ability to chew and enjoy food, total body wellness and general sense of well-being are dependent upon your teeth.

Understanding your dental benefits is not easy. There are many different plans as there are contracts. Your employer has selected your plan and is ultimately responsible for how your contract is designed. It is important to know that each contract will specify what types of procedures are considered for benefits. Even if a procedure is medically or dentally necessary, it may be excluded from your contract. This does not mean that you do not need the procedure. It simply means that your plan will not consider the procedure for payment.

Here are answers to a few common questions regarding dental insurance:

But my plan says that my exams and other procedures are covered at 100%!

That 100% is usually what the insurance carrier allows as payment toward a procedure, not what your dentist or any other dentist in your area may actually charge. The allowed payments are sometimes referred to as UCR or “usual, customary, and reasonable” charges. However, UCR more typically represents a list of payment amounts negotiated between your employer and the insurance company. An employer usually selects a plan with a list of payments that corresponds to its desired premium cost per month. Therefore, there usually will be a portion not covered by your benefit plan.

I received an “Explanation of Benefits” from my insurance carrier that says my dental bill exceeded the “usual and customary”. Does this mean that my dentist is charging more than he/she should?

Remember that what the insurance carriers call “usual and customary” is really just what your employer and the insurance company have negotiated as the amount that will be “allowed” as payment toward your treatment. It is usually always less or even much less than what any dentist in your area might actually charge for a dental procedure. It does not mean that your dentist is charging too much.

If I always have to pay out-of-pocket, what good is my insurance?

Even a benefit that does not cover a large portion of the cost of what you need pays something. Any amount that reduces your out-of-pocket expense helps.

Why is there an annual maximum on what my plan will pay?

Maximums limit what a carrier has to cover each year. Dental plans are different from medical plans, in that dentistry is needed frequently. Medical emergencies are rare. It is your dentist’s responsibility to recommend what you need. It is the insurance carrier’s job to control payments.

What should I do if my insurance doesn’t pay for treatment I think should be covered?

Dentists do not have the power to make your plan pay. If your insurance doesn’t pay, you are responsible for the total cost of treatment. Sometimes a plan will pay if patients send in claims for themselves, or if the Employee Benefits Coordinator where patients work steps in.

We wish all of our students and teachers a wonderful school year, safe travels and full attendance.

We have EXCITING news!!! We are now offering KöR Whitening Why doesn’t my insurance cover all costs for my dental treatment?

Dental insurance isn’t really insurance (a payment to cover the cost of a System, widely recognized as the world’s most effective teeth whitening loss) at all. It is actually a money benefit typically provided by an employer system! - if you want one of the whitest possible results, or if you have to help their employees pay for routine dental treatment. The employer special whitening needs – such as hyper-sensitivity issues or deep staining usually buys a plan based on the amount - or simply want an innovative and well-documented whitening system of the benefit and how much the premium this may just be the solution for you! Call our office today. costs per month. Most benefit plans are only a mcost. i l y D e n t a lWith C aOshins r e of Smiles, Dr. Oshins designed to cover a portion of theFtotal 3905 Carmen Road, Guilderland

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Mid-September 2018 |

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Coupon expires 11/30/18

TLC FIREARMS TRAINING

Guilderland, New York 12084 www.tlcfirearmstraining.com • tlcfirearmstraining@gmail.com

(518) 441-2160

Upcoming Calendar of Events IDPA Shooting 9/1

IDPA is a shooting sport that simulates self-defense scenarios and real life encounters.

We are the locally owned and operated car service whose purpose is to provide Guilderland and the surrounding community a clean, safe, affordable, reliable, and professional car service.

at the Voorheesville Rod and Gun Club from 2pm-4pm $10

Albany County Pistol Safety Course 9/9

at the Voorheesville Rod and Gun Club from 8:00am-2:00pm ( This is the course needed to apply for a pistol permit)

IDPA Shooting 9/16

at the Voorheesville Rod and Gun Club from 2pm-4pm $10

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Call Peggy at 456-8268 Guilderland, NY

| Mid-September 2018

15

10th Annual Ladies Night Out

KT TREE SERVICES, INC. FULLY INSURED • FREE ESTIMATES • 24 HOUR EMERGENCY SERVICE A GUILDERLAND FAMILY OWNED BUSINESS

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16

Mid-September 2018 |

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From the Library Director: In celebration of our youngest readers having started a new school year, we have declared September to be Fine-Forgiveness Month for all Guilderland Juvenile material. That means books, CDs, DVDs, ANYTHING labeled “J” for juvenile.

So if you borrowed some Guil Juvenile material some time ago, and the due date is long past, no worries! Just bring it to the library and turn it in. And consider donating the amount of your fines to the Guilderland Food Pantry collection box, right there on our Check-Out Desk.

As you know, the pantry provides food to people of the town of Guilderland who are in need. Families who are eligible will receive food every four weeks. The pantry provides three holiday meals -Thanksgiving, Christmas, and Easter -- for families in need. It’s a great way to turn what was a late fine into a food-giving gift.

Take a library road trip Did you know you can borrow an Amazon Echo Dot from the Guilderland Public Library? Or that your library card lets you borrow virtually anything from any library in Albany and Rensselaer counties?

All true, but how would you know? One way is to become a “36er” by going on the Upper Hudson Library Expedition. This journey opens the doors of every public library in the Upper Hudson system just for you and gives you the chance to earn prizes by visiting as many as you can.

Open to explorers of all ages, this self-paced journey takes place from Sept. 1 through Nov. 30. Prizes are earned for visiting 5, 15, 25 or all 36 public libraries and branches in the two counties. Visit them all and become a 36er. Anyone interested in joining the Expedition can pick up a map and materials at any public library in Albany or Rensselaer counties. Participate as an individual, a family or as a group.

With each visit to a different library, you’ll get a stamp on your map.

Explore that library and all it has to offer (don’t forget the mastodon at Cohoes Public Library!) and feel free to post your visit on Instagram (#Library36er) and Facebook.

For more details, visit www.uhls.org/expedition, and check your library website for fun kick-off events. Sign up today and hit the road!

Come to our Autumn Marketplace Join us on Saturday, October 13, from 10 am to 4 pm, for a very special Autumn Marketplace where you’ll find some delightful seasonal treats. The Market will be filled with everything from handmade crafts jewelry and more. Everyone’s welcome, and attendance is free!

Last call for Gala Tickets You still have time – about two days – to purchase tickets to the Library Foundation’s Annual Gala, “A Novel Affair, Chapter 3.” The gala honors two wonderful writers, one of whom has created a new world of fantasy and the other whose reporting has opened our eyes to the many characters who make up our community: Gregory Maguire’s “Wicked” put a new spin on one of our favorite tales, and Paul Grondahl’s articles and books chronicle our times. We invite you to get in the spirit of the gala – it’s a masquerade ball -- and come as your favorite character. Or just come in regular social attire. The point is to just be at this, the premier social event of the Guilderland Library’s year.

We hope you will be able to join us. The cost is $75.00; purchase your tickets at www.guilderlandlibrary.org/gala.

New Operating Hours In order to serve you better, we have changed changing our operating hours. Starting Tuesday, September 4, we will open at 9:30 am on weekdays and Saturdays, and close Fridays at 7 pm. This means our new regular hours, from September through June, are: Monday – Thursday: 9:30 am – 9 pm Friday: 9:30 am – 7 pm Saturday: 9:30 am – 5 pm Sunday: 1 pm – 5 pm Regards, Tim

from the

GUILDERLAND PUBLIC LIBRARY

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

| Mid-September 2018

17

BIG TRUCK DAY Guilderland High School Saturday, October 20th 10 AM - 1 PM GHS’s Big Truck Day is fun on wheels for the whole family. Check out the big trucks and meet the people who drive them! Construction trucks, dump trucks, emergency vehicles, Jim Becker and his race car, and many more will be on site.

There will also be a bounce house and refreshments for purchase!

We hope to see you there!

CLIP AND SAVE

NOTICE

GUILDERLAND WATER DISTRICT WATER MAIN FLUSHING PROGRAM The Guilderland Water District’s semi-annual water main flushing program will begin on Tuesday, September 4th, 2018 and will continue until Friday, November 16th, 2018. We will be flushing between the hours of 7:30 a.m. and 4:00 p.m. Monday through Friday weather permitting. Residents might notice discoloration during this program and should be aware this is normal and not harmful. However, residents are cautioned to check their water before using their washing machine or any other appliance that uses water. If discoloration persists, notify the Guilderland water department at (518) 456-6474.

SEPT 4 - SEPT 21 GUILDERLAND CENTER, HURST RD., RTE. 158, TO BECKER RD., VOSBURGH RD., ROUTE 146 SOUTH, ROUTE 20 FROM VOSBURGH RD EAST TO WINDING BROOK DR., DEPOT RD, STONE RD. SEPT 10 - OCT 5

ROUTE 20 TO ROUTE 155 SOUTH TO WEATHERFIELD AREA, REGENCY PARK, 20 MALL, PRESIDENTIAL ESTATES, NOTT RD, CAMPUS CLUB.

SEPT 17 - NOV 2

ROUTE 20 NORTH & SOUTH, EAST OF ROUTE 155, WESTMERE AREA, JOHNSTON RD, VEEDER RD, DR. SHAW RD AREA, CHURCH RD, WOODSCAPE, 3 HILLS TERRACE.

Cost: $5.00 per child/$1.00 per adult Sponsored by GHS Class of 2020

SEPT 24 - NOV 16 LONEPINE AREA, FT. HUNTER AREA, GUILDERLAND HAMLET, ROUTE 158 FROM BECKER RD. TO W. OLD STATE RD., MILLER RD., CHANDLER RD. OCT 29 - NOV 16 MCKOWNVILLE AREA. These are approximate dates only. Schedule may vary slightly, due to weather conditions/and or other system emergencies.

Some discoloration may be seen during this program, which could result in staining of laundry. We suggest that you cut this ad out and post it by your washing machine as a reminder.

CLIP AND SAVE 18

Mid-September 2018 |

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| Mid-September 2018

19

GUILDERLAND RECREATIONAL SOCCER PROGRAM (GRSP) FALL 2018 SEASON REGISTRATION FOR THE FALL 2018 SOCCER SEASON IS OPEN.

Guilderland Farmer’s Market Cookoff September 16, 2018 11am-2pm Chef ’s from areas restaurants will battle it out for the best dish produced.

1. Each chef will make a bulk dish for all attendees to sample and rate.

2. The top 4 chefs will participate in a cook off, “CHOP STYLE” with only ingredients from the market. Their meal will be grilled and judged. 2 chefs will be eliminated.

3. The final 2 chefs will participate for the GFM cook off top chef .

4. Come join us for lunch and watch this great competition!

All proceeds go to the Guilderland Food Pantry.

The pantry has moved to Christ Church at 4 Charles Park.

Come visit us at our new location!!

Teams will be offered to players from ages 3-15 (players 16-adult, please see the adult page link on our website.) All games for pre-k thru the open division will be on SATURDAY’S starting at 9:30am.

The Fall Season will begin on September 17th, 2018 and will end on October 27th, 2018, with regular games for pre-k through 2nd grade and the open division and a tournament for grades 3/4 & 5/ 6.

Visit www.fcdutchmen.com to Register.

Cost: $75-first child $60-second child $45-third child with a family max of $180 *To receive the sibling discount you must register at the same time* League Jersey will be included each season with the cost of the program ***BUDDY REQUESTS WILL BE HONORED FOR PRE-K AND COACHES COACHING A TEAM WILL GET 1 BUDDY REQUEST!!!

Practice Days: Practices will run from 5:45-6:45 at DiCaprio Park ****PLEASE NOTE PRACTICE TIMES WILL BE ADJUSTED AS WE LOSE LIGHT DURING THE SEASON**** Monday-Kindergarten, 1st & 2nd grade Wednesday-3rd & 4th grade

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Summer Blow out!

For more information on the Fall Recreational Soccer Program (GRSP) please visit: www.fcdutchmen.com, scroll to the bottom of the page and click on Guilderland Recreation Soccer.

FREE Delivery Set Includes Delivery &&Set Up Up!

****Interested in Coaching? Please be sure to register yourself as a coach as well****

Spring Blow Out! ALL SWING SETS ON SALE

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Practices will begin the week of September 17th, 2018 first games will be on Saturday Sept. 22. You will be notified of your team placements by September 15th. Coaches meeting will be held Sunday September 16th, 2018 at 11:00am at DiCaprio Park.

www.OurTowneGuilderland.com for Advertising Rates & Specs

PLAY HARD - Sophia Serravillo, 7th grade, drives against a Clifton Park player.

THEN AND NOW -Former GBC player Caitlyn Corbett (front left) came to help with some of the current GBC players. Caitlyn played her high school ball at Guilderland High and now plays for Hartwick College.

Guilderland Basketball Club for Girls Celebrates 30 Years!

Guilderland, NY - Thirty years ago a small group of Guilderland parents were looking for a place where their daughters could play organized basketball. While there were CYO teams affiliated with local churches, they were limited as to how many non parish players they could take.

It turns out, other communities were facing the same issue. As girls basketball was becoming more and more popular, the need for a league in the Capital District became evident. Hence, the Guilderland Basketball Club for Girls became a founding member of the Capital District Girls Basketball League.

Today, GBC Girls has grown from 4 teams, to several teams from 3rd grade to 8th grade. We provide AAU opportunities, Summer skills camp, fall open gyms, and skill programs in the winter for 1st and 2nd graders.

Thru it all we have stayed true to ideals of the original members, stressing sportsmanship, developing skills and most of all learning how much fun basketball can be! The Capital District League has also grown from the few original members to 16 clubs across the region, offering girls in this area the finest in travel basketball competition.

Many graduates of GBC have gone on to play at the high school and college levels.

If you know anyone in grades 3 to 8 who is interested in joining GBC, sign up now for this season at our website www.gbcgirlsbasketball.com , or email questions to gbcgirlsbasketball@gmail.com .

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| Mid-September 2018

21

TOWN OF GUILDERLAND HOUSEHOLD HAZARDOUS WASTE COLLECTION DAY

October 6th 8am-2pm

at the: Guilderland Highway Department 6338 French’s Mill Road Guilderland Center Please follow these SAFETY PROCEDURES: 1.

All hazardous wastes must be in their original, labeled container

2.

Tighten caps and lids

3.

NEVER MIX CHEMICALS

4.

Sort and pack chemicals securely in a sturdy cardboard box; use newspaper or cardboard to keep items from tipping or hitting each other

5.

Wrap leaking containers in newspaper and place in plastic bags or large container. Place chemicals that may react with each other in separate parts of the car

6.

DO NOT leave product in a hot, unventilated vehicle for any extended period of time

7.

DO NOT smoke near chemicals

8.

At the collection site, please stay in your vehicle. Workers will unload the materials

The Town of Guilderland HHW collection program is partially financed with a grant from the NYS Department of Environmental Conservation.

LUBRANO

WHO CAN PARTICIPATE? Only Town of Guilderland residents can participate and only homegenerated hazardous wastes are acceptable. A pass will be required which can be picked up at the Guilderland Transfer Station or the Town Clerks office.

TREE CARE

A vehicle registration is required.

UNACCEPTABLE ITEMS

ACCEPTABLE ITEMS • • • • • • • • • • • •

Pesticides/Herbicides/ Insecticides Paints (oil base, latex) Wood Preservatives and Stains Thinners and Solvents Drain Cleaners Swimming Pool Chemicals Hobby Chemicals/Paints Gasoline/Kerosene Automotive Fluids/Batteries Cleaning Products Acids/Bases Fluorescent Light Bulbs

• • • • • • • • • • •

Explosives/Ammunition Medical and Infectious Waste Fireworks Radioactive Materials Controlled Substances Known Dioxins Compressed Gases (aerosols are okay) Commercial/Industrial Wastes Asbestos (double bag and bring to the Transfer Station) Empty Aerosols (throw in trash) Household Alkaline Batteries (throw in trash)

Tree Removal • Tree & Shrub Pruning Tree Cabling • Brush Chipping

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lubranotreecare.business.site 22

Mid-September 2018 |

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Guilderland, NY

| Mid-September 2018

23

Vendors or Sponsors contact Scott Abraham 518.595.8109, Guilderlandfm@gmail.com -Or– GuilderlandMarket.com

It's more then just farm fresh goods from local farmers but it's also having the following; crafters, wood builders, sampling of homemade beverages and farm fresh cooked food, along with live music, items that were repurposed, vintage items, special guests, how to's, SPECIAL Events, artists, competitions, people that are selling salvage wood, and more. It's like a farmers market mixed with a swap meet, tag sale, art gallery, a much smaller Brimfield, and sessions (how to do's) that will teach, inspire, and create ecological awareness. This is a place where the community can come together and support local, regional farmers, crafters, artists, and sample desserts and eating amazing foods. Every Sunday in August and September, cultivating into a Harvest Celebration, the first Saturday night in October. Having produced major events in California and helped with big events in Albany, living in Guilderland for over 7 years, I think it’s time that we take back our community and support one another.

Rte 155 and Western Ave Star Plaza

Sundays

Farmers Open Market

G

G

Presorted Standard US Postage Paid Albany, NY Permit No. 518

OUR TOWNE GUILDERLAND

OUR TOWNE To Advertise in the Our Towne Guilderland Monthly Shopper visit GUILDERLAND www.OurTowneGuilderland.com or Call (518)356-3898 DEADLINE- Last Friday of Each Month

YOUR GUILDERLAND REAL ESTATE SPECIALIST Top 3 Myths About Today’s Real Estate Market There are many conflicting headlines when it comes to describing today’s real estate market. Some are making comparisons to the market we experienced 10 years ago and are starting to believe that we may be doomed to repeat ourselves. Others are just plain wrong when it comes to what it takes to qualify for a mortgage.

Today, we want to try and clear the air by shedding some light on what’s causing some of these headlines, as well as what’s truly going on.

Myth #1: We Are Headed for Another Housing Bubble Home prices have appreciated year-over-year for the last 76 straight months. Many areas of the country are at or near their peak prices achieved before the last housing bubble burst. This has many worried that we are headed towards another housing bubble.

Reality: The biggest challenge facing today’s real estate market is a lack of homes for sale! Demand is strong, as many renters have come off the fence and are searching for their dream homes.

Historically, a normal market requires a 6-month supply of inventory in order for prices to rise with the rate of inflation. According to the National Association of Realtors (NAR) there is currently a 4.3-month supply of inventory.

The US housing market hasn’t had 6-months inventory since August 2012! The concept of supply and demand is what is driving home prices up!

Myth #2: The Rumored Recession Will Lead to Another Housing Market Crash Economists and analysts know that the country has experienced economic growth for almost a decade.

When this happens, they also know that a recession can’t be too far off. But what is a recession?

Merriam-Webster defines a recession as “a period of temporary economic decline during which trade and industrial activity are reduced, generally identified by a fall in GDP in two consecutive quarters.”

Reality: Recession DOES NOT equal housing crisis. Many people associate these two terms with one another because the last time we had a recession it was caused by a housing crisis. According to the Federal Reserve,

over the last 40 years, there have been six recessions.

In each of the previous five recessions, home values appreciated.

Myth #3: There is an Affordability Crisis Looming Rising home prices have many concerned that the average family will no longer be able to afford the most precious piece of the American Dream – their own home.

There are many different affordability indexes supported by different organizations that all measure different data. For this reason, there is a lot of confusion about what “affordable” actually means.

The monthly cost of a home is determined by the home’s price and the interest rate on the mortgage used to purchase it. According to Freddie Mac, interest rates have risen from 3.95% in January to 4.59% just last week.

Reality: As we mentioned earlier, home prices have appreciated year-over-year for the last 76 months, largely driven by high demand and low supply.

According to a recent study by Zillow, the percentage of median income necessary to buy a home in today’s market (17.1%) is well below the mark reached in 1985 – 2000 (21%), as well as the mark reached in 2006 (25.4)!

Interest rates would have to increase to 6% before buying a home would be less affordable than historical norms.

The starter-home market has appreciated at higher levels (9.4% year-over-year) than any other market. One reason for this is the fact that many of the first-time buyers who have flocked to the starter-home market are being met with high competition. For some hopeful buyers, it may take more than a good offer to stand out from the crowd!

Bottom Line There is a lot of confusion in today’s real estate market.

If your future plans include buying or selling, make sure you have a trusted advisor and market expert by your side to help guide you to the best decision for you and your family.

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*Source: US News. The information in this article is for informational purposes only and does not constitute a recommendation or endorsement of any kind. Information deemed reliable but not guaranteed by Howard Hanna or its affiliates.