Our Towne Colonie - March 2014 by Kevin Hotaling Our Towne Northeast

COMPLIMENTARY • MARCH 2014

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“CHEAP” INSURANCE The first question a potential auto insurance customer always seems to ask is “How much money will I save if I switch my auto insurance?” This is a reasonable question given the blitz of commercials on television, radio, and in print about “cheap” insurance. Society has become overwhelmed with advertisements claiming that you may save 15% in 15 minutes or with Allstate's acquisition of esurance they state you will save even more in just 7 1/2 minutes. It's even on Cartoon Network which must be a sign! This makes me stop and ponder the question… why the rush with something so important? Isn't everything you've worked so hard to build and protect - your job, your house, your savings and most importantly your family - worth a little more time? In a few seconds, you could have all your money legally stripped from you when you combine an accident in a car with “cheap” inadequate auto insurance coverage! It happens every day! These “cheap insurance” carriers must be offering something less for less; and they are in a hurry to get the deal done before you find out. Go ahead and shop your insurance online; but don't press that button until you speak to a local, licensed, independent insurance professional. Don't find out by accident that your “cheap” insurance policy was “cheap” for a reason! Coverage vs. Cost is the proper equation for comparison. Get to know the people with the knowledge to guide you and make a smart decision. We have multiple carriers to choose from to specifically meet your insurance needs and provide you with the proper protection at the lowest possible cost. We may be able to save you money and we will save you from losing everything you have worked so hard to build and protect. When was the last time your “cheap” agent took the time to have this conversation with you? The Lyden Group LLC • Insurance Agency

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629 Albany-Shaker Road Loudonville (518) 458.9274 http://colonielibrary.org

HIGH SCHOOL SHAKESPEARE COMPETITION – ALBANY AREA BRANCH The English Speaking Union National Shakespeare Competition is a schoolbased program designed to help high school students develop their speaking and critical thinking skills and their appreciation of literature as they explore the beauty of the language and the timeless themes in Shakespeare’s works. On Sunday March 2nd at 1:30 PM, the Albany Area Branch of the Union will hold their annual competition at the library. For this event, students read, interpret, and perform monologues and sonnets in three qualifying stages – at the school, community (Branch), and national levels. The winner from each participating high school competes by delivering a soliloquy and sonnet of their choice to a panel of discerning judges. The winner of the Albany competition will advance to compete at Nationals in New York City.The public is encouraged to attend.. RED CROSS BLOOD DRIVE Nearly every two seconds someone in the United States needs blood. The Library will be holding a blood drive on Monday March 3rd from 11:30 AM to 4:30 PM to help boost the regional blood supply. To be eligible to donate blood, donors must be 17 years of age (16 with a signed Red Cross parental permission slip), weigh at least 110 pounds and have ID with them when they donate. Anyone who has a tattoo has to wait one year from the date they received the tattoo in order to be eligible to donate blood. For those that have other questions regarding eligibility, you may call 1-800-RED CROSS. To make an appointment please call 1-800-RED CROSS or visit www.redcrossblood.org Remember, every blood donation helps save three lives! ROBERT C. CONNER AT NOON AUTHOR TALK Robert C. Conner, author and former editorial writer for the Daily Gazette, will be at the library on Thursday, March 27th for a Noon Author Talk. His new book is titled General Gordon Granger: The Savior of Chickamauga and the Man Behind “Juneteenth.” From the publisher: “This is the first full-length biography of the Civil War general who saved the Union army from catastrophic defeat at the Battle of Chickamauga, and went on to play major roles in the Chattanooga and Mobile campaigns. Immediately after the war, as commander of U.S. troops in Texas, his actions sparked the ‘Juneteenth’ celebrations of slavery’s end, which continue to this day….Granger’s first fame, however, came at Chickamauga, when the Rebel Army of Tennessee came within a hair’sbreadth of destroying the Union Army of the Cumberland. Without orders – even defying them – Granger marched his Reserve Corps to the scene of the hottest action,… Bringing fresh ammunition and hurling his men against Longstreet’s oncoming legions, Granger provided just enough breathing space to prevent that Union defeat from becoming the worst open-field battle disgrace of the war.” From the Daily Gazette: “Conner…discovered Granger while working at the Grant Cottage in Wilton,...‘I wasn’t at all aware of him, but as I obviously started learning more about Grant… I came across Granger,’ said Conner, who lives in Ballston Spa. ‘As I looked into him and got more interested in Granger, I realized there wasn’t a biography of the man, and that maybe I could do it.’” Mr. Connor will start at 12:15 PM; bring your lunch if you are on lunch hour. JAZZ/POP HITS OF THE DECADES! Music lovers of all ages will enjoy this wonderful quintet on Sunday, March 30, at 2:00 PM, featuring lead vocalist Bronte Roman under the musical direction of Eric Walentowicz. Bronte, a Brooklyn NY native has been performing many genres of music for the past 15 years in New York City, Long Island and New Jersey. She maintains a passion for classic American Standards and enjoys listening to artists such as Frank Sinatra, Judy Garland and Tony Bennett. Since relocating to Upstate New York in 2010, she has performed in numerous hotels/restaurants and private parties in the Berkshires, the Capital Region, Hudson, and

Ulster and Columbia Counties. Eric Walentowicz, Musical Director/ Saxophonist/Composer/Woodwind Instructor has been working with Bronte since 2013. Eric, a native from Michigan has thirty five years of performing experience and is a very in-demand saxophone soloist having performed with over thirty groups annually at over seventy venues a year for the past ten years. He has backed such artists as Johnny Mathis, The Platters, Jackie Mason, Bobby Rydell, Fabian, Eddie Fisher, George Merritt, and Ray Anthony. The Bronte Roman Ensemble will also consist of local musicians, Andrew Hearn (drummer/percussionist), Eric Schwanke (bassist) and Nicholas Lue (pianist). The music will focus on popular Jazz Hits of the Decades from the Big Band era to the Bossa Nova of the 1960’s. Audience participation will be strongly encouraged through singing and dancing! Bronte Roman and Eric Walentowicz will remain after the show for coffee and conversation! Please join us for a performance not to be missed! Check out their website: www.bronteroman.com SUNDAY MARCH 16TH: IRISH TRADITIONAL MUSIC AND HISTORY The folk music of Ireland (also known as Irish Traditional Music, Irish Trad, Irish Folk Music as well as many other variants) is the generic term for music that has been created in various genres in Ireland. It can be traced to the Second Century BC, and was influenced by Roman-Greco Music. Political and economic issues changing since that time have largely shaped the Irish Traditional Music of today. Its importance can be seen in the part music played in the many myths. The harp of Dagda, the Celtic Zeus, could kill men who heard it or lull them to sleep. In one story, Children of Lir, a wicked stepmother transforms the children into swans but leaves them their human voices. It is said their enchanted singing brought peace to the whole isle for the three hundred years. Irish Traditional Music has survived more strongly against the forces of cinema, radio and the mass media than the indigenous folk music of most European countries. This was possibly due to the fact that the country was not a geographical battleground in either of the two world wars. Another potential factor was that the economy was largely agricultural, where oral tradition usually thrives. From the end of the second world war until the late fifties folk music was held in low regard in Ireland. Comhaltas Ceoltoriri Eireann (an Irish Traditional musical association meaning “Society of the Musicians of Ireland”) is the primary Irish organization dedicated to the promotion of the music, song, dance and the language of Ireland. Founded in 1951, the group has promoted Irish music and culture among the Irish people and the Irish in other geographic areas. Jim Hesch will sing and perform several pieces on 12 string guitar, bodhran (Irish drum known as the "Heartbeat of Irish Music"), and rhythm bones. The examples of Irish music to be performed represent a range from the 1700s to the 20th century. The program begins at 2:00 PM. HIGH SCHOOL EQUIVALENCY (HSE) EXAM PREPARATION In partnership with Capital Region BOCES, the Colonie Library is forming a class of students who are interested in taking the NYS High School Equivalency test, the TASC (Test Assessing Secondary Completion) – previously the GED exam. The class is free for students. Registration and initial TABE (Test of Adult Basic Education) are required prior to the start of classes. The class will emphasize: self-paced learning and individualized lessons designed for each student to prepare for the exam. Subjects will include: language arts (reading and writing), math, science, and social studies. The class will meet at the library twice a week and we hope to have around 11to16 students. The starting date of the class will be determined based on student the number of registrations. Those interested can complete an online registration form at http://colonielibrary.org or contact the Colonie Library Information Desk at 810-0314 to reserve a place in the class.

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SAVING IS GOOD… BUT IT'S NOT INVESTING It's a good thing to have some savings. When you put the money in a low-risk account, you can be pretty sure it will be readily available when you need it. Nonetheless, “saving” is not “investing” - and knowing the difference could pay off for you far into the future. Think about it this way: Saving is for today, while investing is for tomorrow. You need your savings to pay for your daily expenses, such as groceries, and your monthly bills - mortgage, utilities, and so on. In fact, you might even want your savings to include an emergency fund containing six to 12 months' worth of living expenses to pay for unexpected costs, such as a new furnace or a major car repair. These are all “here and now” expenses - and you could use your savings to pay for them. But in thinking of your long-term goals, such as college for your children and a comfortable retirement for yourself, most individuals typically can't simply rely on their savings - they'll need to invest. Why? Because, quite simply, investments can grow and you will need this growth potential to help achieve your objectives. To illustrate the difference between saving and investing, let's do a quick comparison. Suppose you put $200 per month into a savings account that paid hypothetical 3% interest (which is actually higher than the rates typically being paid today). After 30 years, you would have accumulated about $106,000, assuming you were in the 25% federal tax bracket. Now, suppose you put that same $200 per month in a tax-deferred investment that hypothetically earned 7% a year. At the end of 30 years, you would end up with about $243,000. (Keep in mind that you would have to pay taxes on withdrawals. Hypotheticals do not include any transaction costs or fees.) This enormous disparity between the amounts accumulated in the two accounts clearly shows the difference between “saving” and “investing.” Still, you might be thinking that investing is risky, while savings accounts carry much less risk. And it is certainly true that investing does involve risks - investments can lose value, and there's no guarantee that losses will be recovered. Nonetheless, if you put all your money in savings, you're actually incurring an even bigger risk - the risk of not achieving your financial goals. In fact, a low-rate savings account might not even keep up with inflation, which means that, over time, you will lose purchasing power. Ultimately, the question isn't whether you should save or invest - you need to do both. But you do need to decide how much of your financial resources to devote toward savings and how much toward investments. By paying close attention to your cash flow, you should be able to get a good idea of the best savings and investment mix for your particular situation. For example, if you find yourself constantly dipping into your long-term investments to pay for short-term needs, you probably don't have enough money in savings. On the other hand, if you consistently find yourself with large sums in your savings account even after you've paid all your bills, you might be “sitting” on too much cash - which means you should consider moving some of this money into investments with growth potential. Saving and investing - that's a winning combination. Kevin J Pittz, Financial Advisor Edward Jones Investments 1721 Central Avenue, Albany • 518-869.9088 This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.

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SALES REP

WANTED The Our Towne Colonie publication is looking for a seasoned sales representative to help with expanding our reach in the local community.This opportunity would fit very well with an existing sales rep in a different market segment, or a stay at home mom or dad that is looking for an additional revenue stream with part time-flexible hours. If you or someone you know is interested, please contact Kevin at 767-2222 to talk about the opportunity and set up an interview.

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A message from Greetings fellow readers and business owners of the Our Towne Colonie community. In last month’s column I spoke about how you, as a consumer, could follow a simple course of action called the 10% rule when making your purchases and begin to shift a percentage of your buying power to the small, locally owned businesses. Did you give it a try? What was your experience like? How did it make you feel knowing that you were, in your own small way, supporting a locally owned business? A business owned by a hardworking entrepreneur that is also your neighbor. I personally have worked on keeping the 10% local small business purchasing rule in my “top of mind” during this last month, and have been pleasantly surprised by the outcome in many, if not all, of my transactions. In shifting from the big box behemoths to the local family owned flooring company I found that I was able to get a better deal on my flooring purchase in both price and quality! To top it off it was a pleasant, informative experience that left a smile on my face even as I was paying. Which brings me to my focus for this month’s editorial. You, the business owner: What is the experience you are providing for your customers when they walk through your door? Is it positive, pleasant, friendly and… dare I say it, uplifting. Yes uplifting! Experiences that will make them want to come back and will have them telling their friends and family

about your business. Their enthusiasm for your service will create a need for their circle of influence to “see for themselves”. You know what I’m talking about. You’ve see it happen, and at times have probably been the recipient of high quality service in a positive environment. I’ll bet when you, the owner, are on the floor interacting with the Customer, it happens most, if not all of the time. How do you, transfer those expectations of giving a positive, uplifting experience for your customers to all of the employees you have? I would say: 1. Hire for attitude. You can’t train for friendly or work ethic, either you have it or you don’t. Take a hard look at this one. It may mean that some of your employees need to get off your choo choo train. 2. Train for exemplary customer service. Make sure your employees know your products or services and they have the authority, within guidelines that you set, to create an uplifting experience that exceeds your customers’ expectations. A sales transaction can be a single event, like many businesses treat it, or it can be treated like the beginning and continuation of a close and lasting relationship. It’s your business, you can make the choice. Sure all of us are “off our games” some days, but if you have a good product or service, and your employees are striving to deliver an uplifting experience for your customers when they walk through the door, I guarantee you will see the results in your bottom line…… Even better yet you, will be surrounded by a lot more smiles! Yours in business growth and networking,

Kevin Hotaling, Owner and Publisher, Our Towne Colonie

For Advertising Call Kevin 767-2222 or Email ads@ourtownenortheast.com

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For Advertising Call Kevin 767-2222 or Email ads@ourtownenortheast.com

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For Advertising Call Kevin 767-2222 or Email ads@ourtownenortheast.com

Cohoes Public Library 169 Mohawk Street Cohoes (518) 235-2570 HOURS: Monday: 10am-8pm Tuesday: 10am-5pm Wednesday: 10am-8pm Thursday: 10am-5pm Friday: 10am-5pm Saturday: 10am-4pm Closed Sundays & Holidays

COME EXPLORE THE COHOES PUBLIC LIBRARY... AVAILABLE RESOURCES

• Books, eBooks, eReaders, Newspapers, Magazines • DVDs, Books on CD, Pre-loaded books on MP3 players • Free Wi-Fi Hot Spot • Public Computers & Printer • Copier, Scanner, & Fax Machine • Free Online Children’s ebooks • Museum Passes • Community Room • Fishing Rods

Answers from page 20

www.cohoespubliclibrary.org

www.zephyrpreservation.com

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DID YOU KNOW? Your odds of finding a four-leaf clover are. About 1 in 10,000.

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WHAT'S IN YOUR CLOSET Thankfully some of your great or greater grandparents didn't throw out the previous year's street directory or the receipt from the cabinetmaker who made their trestle table or the obsolete stock certificate for the failed railroad venture or the sales brochure for their new Edsel or the label from the bolt of gingham used to make their daughters' dresses or the box that held that toy front end loader. These handwritten or printed artifacts fall under the term "ephemera" [ ’fem( )r / ], transient documents of everyday life. We at Dennis Holzman Antiques have been at the forefront for decades of buying, saving, restoring, cataloging and making available to libraries, museums, colleges, collectors and descendants of the original owners an avalanche of such materials. In our 3000 square foot store you can find menus, illustrated billheads, advertising trade cards, broadsides, circulars, product catalogues, newspapers, tickets, posters, invitations, price lists, and more. These transient fragments of the past can shed light on cultural and historical events, the evolution of style and taste, printing history, technology's advance, etc. In recent weeks we have had at hand: Horace Greeley's original ballot cast for Lincoln's presidential election, a deck plan for the Titanic, and a ribbon touting Lafayette's 1824 United States tour. These are powerful remnants of the past. As we approach Spring (theoretically) and all of us start cleaning out our closets, remember that some of those scraps of paper may be useful portals to the past and guideposts to the future. Dennis Holzman Antiques actively buys a whole range of ephemera. Before you toss it out, bring it in to 111 Remsen Street Cohoes, and we can give you an idea if it worth saving and cheerfully make you an offer if it fits with our market. Visit our website at: www.holzmanantiques.com for directions. Mention this article and receive a 20% discount on any purchases. Dennis Holzman Antiques 111 Remsen Street Cohoes • 326.2061 www.holzmanantiques.com

SUDOKU How to play • The numbers 1 through 9 will appear once only in each row, column, and 3x3 zone. There are 9 such zones in each sudoku grid. There is only one correct solution to each sudoku. Good luck!

Answers can be found on page 19

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A little about Janice... As a Certified Bob Ross Landscape, Floral and Wildlife Instructor, Janice has the privilege of instructing people in the “wet on wet” technique that Bob Ross made famous through Public Television. She enjoys working with people and seeing the joy on each person’s face as their own unique masterpiece comes to life. Classes are designed to teach technique and composition while providing individual attention and a whole lot of fun. No matter what a person’s skill level, everyone goes home with a completed painting and sense of accomplishment. When she is not teaching Bob Ross classes Janice enjoys quilting and decorative painting, specializing in glassware. She also enjoys traveling with her husband Kevin and spending time with her children and grandchildren

"All you need to paint is a few tools, a little instruction, and a vision in your mind." — Bob Ross

50% OFF ENTRÉE On Your Birthday Purchase One Entrée and Receive One 50% Off Dinner on your Birthday. 50% off entrée must be of equal or lesser value than other entrée purchased. Valid on parties of two or more. Actual date of birthday only.

With this coupon. Expires 3/31/14 Does not include private parties. Main dining room only. Proper ID required. Not valid with any other offers.

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TRASH TALK Just got off the phone with Punxsutawney Phyllis, the somewhat lesser known but equally precise with prognosticating Pennsylvanian groundhog. Good news and bad news. The bad news is that she woke up today and just sees shadows everywhere, which apparently means 6 more months of winter. Sorry, but maybe now would be a good time to go grab a pallet of ice melt at Home Depot. Got to get that girl some rose colored corrective lenses! Good news? Well, I did just save a bunch of money on car insurance, but even better, this means YOU now have plenty of time to start getting ready for SPRING CLEAN UP before the sun comes back! What a relief, instead of being stuck outside getting actual fresh air, you can instead breathe your own fresh air into some long neglected but necessary projects. Like I always say, “air on the side of caution”. Ok, I just made that up, but I will be saying it daily moving forward. Ideas for making the process easier: 1. Separate unwanted items into 4 groups: household garbage, useful items to donate like clothing, recyclables (scrap metal, electronics, glass, plastic, paper) and junk (broken stuff, old furniture, wood, etc.). 2. Start with one room like the kitchen which will go fast and provide instant satisfaction.

3. Make easy decisions-If you’re not using something, get rid of it. Don’t plan for years down the road when you “might” need it-trust me, when you finally get around to using (fill in the blank) it will be inevitable it was broken the whole time or you are missing half the pieces. 4. Let go of sentimentality. I am not going to throw away my wedding album even though I have only looked at it once in 12 years, but maybe the Smithsonian would be interested in your National Geographic collection. Probably not. Ditto the toys in the garage only the squirrels play with, since your kids are in college now. Goodbye! We can help.Scrapster is family owned local business which provides a NO COST scrap metal and appliance pick up and removal service. We also offer LOW COST junk removal and clean outs. Everything is properly recycled, disposed of or donated. We are convenient, reliable, insured, and we do all the work. Give us a call today at (518) 505-5055 orvisit our website at www.Scrapster.com Vincent Coppola Owner of Scrapster Scrap Metal Removal/Recycling Service

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Answers from page 13

AN IRISH BLESSING: “May you always have... Walls for the winds, A roof for the rain Tea beside the fire, Laughter to cheer you Those you love near you And all your heart might desire.”

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MARCH CROSSWORD PUZZLE

ACROSS 1. Anger 5. Razz 9. Dwarf buffalo 13. Norse god 14. Law and _____ 16. A region of SE Pakistan 17. Accomplishes 18. A very short time 19. Frozen 20. Catapulted

22. Corpulence 24. Container weight 26. Raw fish wrapped in seaweed 27. Median 30. Goober 33. A farm of grapevines 35. Adult male singing voice 37. Actress Lupino 38. Anagram of "Diary" 41. African antelope

DOWN 1. Fishing poles 2. False god 3. Officer 4. Trap 5. Scribble 6. Makes a mistake 7. Makes changes to 8. Get back 9. Laughable 10. Agreeable

11. 1 1 1 1 12. Contributes 15. Utilize again 21. A neutral color 23. Not this 25. Quaint outburst 27. Keen 28. Television 29. Historic period 31. Thankless 32. In shape 34. Not brilliant 36. Boorish 39. Regulation (abbrev.) 40. Tale 43. News 44. Any day now 46. Views 47. Oblivious 49. Hitches 50. Bury 53. Eagle's nest 55. Colorful salamander 56. Hodgepodge 57. Numerous 58. Information 60. Anagram of "Sire" 61. Anagram of "Note" 64. Directed Answers can be found on page 11

42. Dings 45. Carefully thought out in advance 48. Indolent 51. Explosive device 52. An Italian woman of rank 54. Tidy 55. Proposed 59. Sugary 62. Distinctive flair 63. Small goat antelope 65. Hairdo 66. Annex 67. Strike 68. Wreckage 69. Playthings 70. Tiny sphere 71. If not

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St. Patrick's was a dry holiday in Ireland until 1970. Irish law, from 1903 to 1970, declared St. Patrick's Day a religious observance for the entire country meaning that all pubs were shut down for the day.

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FEATURED BUSINESS

For over 15 years, School of Rock has been inspiring the world to rock on stage and in life. We believe the best way to learn music is to play music. We take students from the lesson room to the stage, developing both their confidence and musicianship with programs designed for all skill levels. Founded as a single school in Philadelphia, PA in 1998, School of Rock has become a growing international franchise, operating over 100 schools in the U.S., Mexico, and Brazil with openings in Canada, The Philippines, Chile, and Australia. School of Rock Albany opened it's doors September 14, 2013. Although David Bodie was the new owner of the capital region location, he certainly wasn't new to the School of Rocks methodology, as he had already been teaching at the Tenafly New Jersey school for over three years. Bodie, and his family, jumped at the opportunity to bring the program to the Capital District. School of Rock is creating the world’s next generation of rockers through music programs that are designed to create a supportive environment where music students of all skill levels are comfortable yet challenged at every turn. The core School of Rock programs are mainly for kids 7-18 but we recently launched an adult performance program and a pre-school program called, “Little Wing,” designed to introduce toddlers to the joy of music. So truly people of all ages can rock at School of Rock. In addition to individual private music instruction on guitar, bass, vocals, keyboards and/or drums, students also learn how to jam with their peers in a weekly practice session. For children in our performance program each season they play live rock shows at local venues, sometimes with in just a few short months of picking up their instrument. This past week end marked the first shows of our performance students who performed Pink Floyd's The Wall at The Low Beat in Albany. The best way to learn about School of Rock and what they do is to drop in and visit. The knowledgeable staff are available to schedule a tour, free trial lesson, or arrange for a visit during one of our group ensemble programs. Arrangements can be made by phone, through the website albany.schoolofrock.com, or in person. The school is located directly behind the Newton Plaza and open on Monday-Wednesday 2- 8:30pm and Saturdays 10am - 4pm.

592 NEW LOUDON ROAD

518.783.7625

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AN IRISH TOAST: “The Scots have their whiskey, the Welsh have their tongue, but the Irish have Paddy, who's second to none!”

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For Advertising Call Kevin 767-2222 or Email ads@ourtownenortheast.com

25 Bedford Street Cohoes, NY 12047 Time-Dated Material Please deliver immediately