COMPLIMENTARY • APRIL 2014
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“TO CLAIM OR NOT TO CLAIM” THAT IS THE QUESTION Many claims are cut and dry, here is an example: While backing your car out of a parking spot you do not see a car driving by and hit the other vehicle causing thousands of dollars in property damage to the other vehicle, and injuring the passenger. This is a claim and should be reported right after calling for medical help for the injured passenger and filing a police report on the incident. Sometimes it is less clear if you should file a claim, here is an example: You break a side window on your car when a rock from your lawnmower is kicked out and hits the vehicle. There is no deductable on your glass coverage but the window is only $85.00 to repair if you pay out of pocket at the local glass shop. In this instance you might consider not having a claim on your insurance history for the next 3 to 5 years potentially raising your rates. The insurance industry is confusing because many companies have their own guidelines for when a customer calls in to talk about a potential claim. We have seen inquiry's treated as claims even when no money was paid by the carrier. As an independent agency we are able to have a conversation and help you decide the best course of action to take when facing a potential claim. Please give The Lyden Group Insurance Agency a call. We offer auto, home, life, and business insurance; put us to work for you. Best wishes from: Steve Lyden, Peter Fowler, Wendy McCullough, Lori Ostrander and Peter Lyden The Lyden Group LLC • Insurance Agency
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COHOES CITY HALL (97 MOHAWK ST.) City Hall (97 Mohawk St.) was dedicated on September 25, 1895. The land on which it was built was once the Peter Harmony estate. A design for the building was selected from entries submitted to the City Hall Commission, but the public opposed their choice, preferring the second place design, submitted by J.C. Holland and Co. The Commission ultimately decided in favor of the people’s choice. The building is a fine example of Norman Gothic architecture, with a Gothic tower in the southwest corner, a turret in the northwest corner and several miniature turrets over the peaked roof. The large blocks of Indiana limestone projected strength and power, and the enduring nature of civic institutions. This was the first building constructed in Cohoes with public funds. In December 1966, the entrance to City Hall was renovated, with a long low wall built. Trees, shrubbery, and lampposts were added near the front entrance stairway. A new plaque commemorating the 100th year of the City Hall was unveiled and dedicated on June 21, 1995 during the 125th anniversary year of the city. In August 2007, the building’s roof and chimneys were repaired, and the flag pole restored.
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FINANCIAL "SPRING CLEANING" CAN BRIGHTEN YOUR INVESTMENT PICTURE The days are getting longer and warmer — a sure indication of the arrival of spring. Another sign of the season may be the urge you get to do some spring cleaning. But you might not have realized that some of the same spring-cleaning techniques that can be used on your home can also apply to your investments and your overall financial strategy. Here are a few ideas to consider: • Get rid of “clutter.” As you do your spring cleaning, you may well find some clutter - a bunch of items you no longer need. As an investor, you might look at your portfolio and also find “clutter” in the form of investments that are no longer appropriate for your objectives. For example, perhaps some of them are virtual duplicates of other investments you own, thereby diminishing your potential for diversification. Or maybe some investments are now too risky for your needs. In any case, you may be better off rebalancing your portfolio. • Get organized. As you clean your home, you might find ways to organize your belongings and furniture more efficiently. And you may also be able to organize your investments more effectively. One possibility: Consider consolidating your investment accounts with one provider. If you have an IRA here, another one there and some other investments scattered about, you may be paying more in fees and commissions than is necessary. By consolidating these investments, you might save money and paperwork - and more importantly, you may find it easier, with all your investments under one “roof,” to follow a single, unified investment strategy. • Seal “cracks.” Over time, the grout between your kitchen or bathroom tiles can crack, so you’ll need to re-grout to protect your flooring. And you may find that, in looking at your overall financial strategy, your “protection” component - primarily in the form of insurance - might have developed some “cracks” or “chips.” Specifically, has your life insurance kept up with changes in your family situation? Events such as marriage, remarriage or the arrival of a new child can all trigger the need to review your life insurance. And you’ll also want to make sure you have adequate disability insurance. Consult with a financial professional for information on appropriate protection vehicles. • Do some “dusting.” As part of your spring cleaning, you may need to dust furniture, shelves and other surfaces in your home. And if you’ve been investing for a long time, you may need to metaphorically “dust off” your financial strategy to “freshen it up” to reflect changes in your life. To cite one possibility, as you get close to retirement, you may need to shift some - but certainly not all - of your growth-oriented investments into income-producing ones. But you may also need to review and revise your financial strategy at other points in your life, such as when you begin saving for your children’s college education. Just as spring cleaning can bring more light into your home, sprucing up your investment picture can help you brighten your financial outlook. And these improvements can help you in all the seasons of your life. 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 518-598-3081 to talk about the opportunity and set up an interview.
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A message from I recently saw a very interesting person named Jaron Lanier on the Colbert Show. Yes, I know what you are thinking…. the Colbert Show Kevin? Well I can say I'm not a diehard fan, but I do enjoy watching it once in awhile. Yes Steven Colbert is crazy and outlandish sometimes, and the 6 minute banter with Mr. Lanier was 50% show and 50% informational. But this guest, Jaron Lanier certainly made me stop, think, and take notice. To say Mr. Lanier is a smart guy would be an understatement. He is best known as the father of virtual reality and in the early 1980s founded VPL Research, the first company to sell VR products. He has a long list of honorary doctorates and collaborations with several large corporations as either a chief scientist or lead scientist. He's a music composer and has written several books, and most notably his latest one, “Who Owns The Future” was awarded Harvard's Goldsmith Book Prize in 2014. Jaron has certainly benefited both personally and financially from his creativity and hard work. During the interview he talked a lot about the evolving use technology in our current world. This following comment arose from his reflection on the type of world he would like to have his daughter living in as she grows up the future. A world where she would be living in a family that has a slightly less privileged life, but one where more people are able to share in a bigger piece of the wealth pie.
The exact quote was, “Real wealth is when your wealth is dependent upon everyone else's wealth. Real wealth is community wealth, if it's just a concentration… that's fake wealth, it's brittle, it falls apart, and it's phony.” This particular discussion really struck a note in my heart and so succinctly identified what I believe to be one of the two main purposes of the Our Towne Colonie publication. 1. To provide an advertising platform where small businesses can reach out to the local community at a reasonable cost and have interconnected communities support them through the goods and services they provide. 2. To provide residents of the community pertinent information, shared expert knowledge from our business owners and interesting local history. Real wealth is shared wealth, and in this age of digital online buying, the more we as a community can find ways to focus our purchasing power to buy local, the more we all individually share in a bigger piece of the wealth pie. Yes we really are an interconnected community that depends on each other to be both happy and successful. Spring is really coming! Hang in there.
Until next month, Kevin Hotaling, Owner and Publisher, Our Towne Colonie
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50% OFF ENTRﾃ右 On Your Birthday Purchase One Entrﾃｩe and Receive One 50% Off Dinner on your Birthday. 50% off entrﾃｩe must be of equal or lesser value than other entrﾃｩe purchased. Valid on parties of two or more. Actual date of birthday only.
With this coupon. Expires 4/30/14 Does not include private parties. Main dining room only. Proper ID required. Not valid with any other offers.
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SCOTTS STEP PROGRAM Phillips Hardware and other local hardware stores carry the exclusive Scotts Step Program. It is a wonderful tool for the DIY home owner that wants to create a lawn that their neighbors will be envious of. This program takes you through the whole process of early spring crabgrass preventer, late spring weed preventer, summer lawn food and fall lawn food for a better spring lawn. You can find rebates at your local hardware store for up to $50 back when you buy the complete Scotts Step Program. SCOTTS STEP 1 - CRABGRASS PREVENTER PLUS LAWN FOOD 28-0-7 Step 1 feeds your lawn and prevents crabgrass plus other weeds from starting. Crabgrass spreads quickly during the warm summer months. Between midsummer and early fall, each plant produces thousands of seeds. The first frost kills the plants, but the seeds remain dormant through the winter. When the ground temperature warms up, the seeds begin to grow. New crabgrass appears from mid-spring to midsummer. You would apply it early in the spring after the snow has melted between February and April. You should not apply to newly seeded or sodded areas until after the 4th mowing. SCOTTS STEP 2 - WEED CONTROL PLUS LAWN FOOD 28-0-6 Step 2 also feeds your lawn and kills dandelions plus other weeds listed on the bag. You would apply it in late April through June to a wet lawn. After you apply it, you should wait at least 24 hours after that before watering the lawn. You should not apply to newly seeded or sodded areas until after the 4th mowing. SCOTTS STEP 3 - LAWN FOOD WITH 2% IRON 32-0-4 The iron in this Step feeds and strengthens lawns against heat and drought. You can apply it anytime from June to August to give your lawn a boost of green. It is guaranteed not to burn your lawn and is kid and pet friendly when used as directed so you can still have your backyard fun. SCOTTS STEP 4 - FALL LAWN FOOD 32-0-12 Apply this step in the fall to any grass type to help protect and strengthen for a better spring lawn. Apply it anytime from August through November and is also kid and pet friendly. Know your Fertilizer Facts! The three numbers (often called NPK) on a fertilizer package tell you the percentage of the base elements nutrient makeup by weight. These numbers represent the percentage by weight of the three major nutrients required for healthy plant growth, always in the same order: nitrogen-phosphorus-potassium (N-P-K). Each of these nutrients affects plant growth differently, and the formulation you select should depend on your specific gardening needs. The first number is the percentage of nitrogen (N) in the bag. Nitrogen
provides plants with the ability to produce more chlorophyll, which in turn allows plants to grow quickly. With each additional nitrogen application, plants will grow taller and develop a darker green color. So if you want a dark green lawn, use a fertilizer that's high in nitrogen - but then expect to mow more often. The second number in the analysis is the percentage of phosphorus (P) in the mix. Phosphorous aids in root development and increases flowering ability and bloom size. Scotts Step program no longer has Phosphorus in its mix, as you can see by the 0 in the second number. Phosphorus encourages the blue-green algae bloom that area lakes experience each summer. Bluegreen algae not only stinks but can be toxic to animals and children. When the algae bloom decays it reduces the oxygen in the water and can cause fish kills. Phosphorus run-off from feed lots, agricultural land and lawns is the main contributor to phosphorus in the lakes. Your lawn does not need Phosphorus unless you have a newly seeded lawn, most soil provides all the phosphorus your established lawn needs. If you are in doubt have your lawn tested before adding any phosphorus. The third number represents the percentage of potassium (K) found in the product. A bag of 24-8-4 has 4 percent potassium in the mix. Potassium has many functions: It guards the plant against diseases and aids in drought protection and cold tolerance. It also serves a role in improving root development and helps in the process of photosynthesis. You might consider using a high-potassium fertilizer at the start of winter and summer to protect crops from temperature extremes or when insects and disease have caused damage to your plants. The other percent remaining is usually inert filler material, such as clay pellets or granular limestone. The best defense against crabgrass is a healthy lawn. Unwanted grasses and weeds simply can't get the necessary toehold to thrive in a robust stand of grass. Follow these basic lawn care guidelines to keep crabgrass from becoming a problem in your yard: Mow at frequent intervals to keep the grass a fairly consistent length. Check the recommended mowing heights for your type of grass and cut your lawn at the highest recommended setting. Crabgrass requires plenty of light to germinate, so keep the grass as thick and long as possible to create shade near the soil surface. Cutting your lawn too close produces patches where crabgrass and other weeds can germinate. Phillips Hardware • www.ShopPhillips.com Altamont • Colonie • Delmar Schenectady • Voorheesville • Waterford
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WHAT'S IN YOUR ATTIC One of the questions I am frequently asked is: “How old does it have to be for it to be considered an antique?” Followed up by: “100 years old, right?” The reality is, for everyday usage, there is not an age determinant for an antique. In certain legal or regulatory circumstances a date of manufacture still applies. To register an “antique” (as opposed to classic or vintage) automobile it must be 45 years old at least. To sell antique ivory it has to be at least 100 years old at the time of import which has to have been before 1976 if it was from Asia or 1989 if it was from Africa. In general though, the lines between antique, collectible and vintage have been blurred irreparably. In consulting my possibly vintage 1980 Random House College Dictionary I find the entry for antiques states: “Any work of art, piece of furniture or the like, created or produced in a former period, or according to U.S. Customs laws 100 years before date of purchase.” A little history before I proceed. It was in 1930 that a tariff law was passed defining an antique as being made prior to 1830 (100 years prior) because 1830 was more or less the start of the “machine age”. Items began to be mass produced rather than hand-made after that date. In 2014 a 100 year old piece of furniture, i.e., produced during the WWI-era, is rarely desirable and few would consider it an antique but rather used furniture (except if it was designed/manufactured by an innovative person/company like Stickley). So, back to “What is an antique?”. Though age is a factor, it is not the sole factor. An item has to be well-made or well-designed or rare or historically significant AND be of an earlier period. The definition has become vaguer and somehow has incorporated shifting tastes and fashions. Currently mid-century modern is in vogue-stylish objects from the 1950's and 1960's. Are these antiques? Or is the word now antiquated? Visit us at Dennis Holzman Antiques, we have the word “antique” in our store name but you will find items from the 1600's through the 20th c. 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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COHOES MUSIC HALL NATIONAL BANK BUILDING 58 REMSEN ST. This building, home to the Spindle City Historic Society, stands at the corner of on Remsen & Oneida Streets on what was originally farmland. The land was purchased in 1826 by the Cohoes Company. Buildings erected on the site were destroyed by fire in 1873. William Acheson and James Masten subsequently constructed what was known as “The Central Hall Block.” (Masten was married to Almeda Arthur, the sister of Chester A. Arthur, the 21st President). The building, made of red brick fired in Cohoes, housed the Post Office and three stores on the first floor while the second floor had eight offices. The Music Hall was located on the third floor. The total seating capacity was 475, including four private boxes and a fourth floor balcony. Dressing rooms were located beneath the stage. The grand opening of the hall occurred on November 23, 1874 with a performance of London Assurance. The renowned Eva Tanguay appeared in the Hall in Little Lord Fauntleroy at age 12. Other notable performers included, Buffalo Bill Cody, John Philip Sousa, Tony Pastor, P.T. Barnum’s baby elephant named Hunky Punky, General Tom Thumb and his wife, and Pat Rooney. La Petite Adelaide, who was born in Cohoes, appeared in the hall several times. On July 13, 1882, The National Bank of Cohoes leased the first floor, and took over complete ownership of the building in 1905. For the safety of the public, the bank closed the Music Hall in 1905 when a roof truss gave way. In 1968, the National Bank of Cohoes ceded the building to the City of Cohoes for $100. The theater was restored, and reopened on March 7, 1975. Since its re-opening, the Hall has hosted a variety of resident groups and been the site of musical and dramatic performances, lectures and other programs by community organizations.
Give them QUALITY. That’s the best kind of advertising. - Milton Hershey
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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
www.cohoespubliclibrary.org
I’VE NEVER UNDERSTOOD WHY MY HUMAN WON’T LEAVE THE HOUSE WITHOUT HER LEASH. I THINK SHE’S AFRAlD OF GETTING LOST. BUT IT’S OK, I KIND OF LIKE SHOWING HER AROUND.
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— HARPER adopted 08-18-09
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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
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TRASH TALK Earth Day is celebrated on April 22nd, internationally designated in 2009 by the United Nations. It began in 1970 as an “environmental teach-in” to promote ecology and respect for life on our lovely blue and green planet, as well as to encourage awareness of the growing problems of air, water, and soil pollution. Now celebrated in 190+countries worldwide, it represents the outstanding year long efforts of many millions of people to make the world a better place to live. There are many ways to celebrate Earth Day. Plant a tree, clean up a park or playground, pick up roadside trash, clean your own property or participate in a local recycling event. You should find several events to choose from and all offer responsible recycling to help make sure our landfills are not filled with hazardous materials or items that can be reused or repurposed. Scrapster will co-host a major recycling event on Saturday May 10th from 9am - 12pm at Shank & Falvey Insurance on Route 50 in Burnt Hills. Even if you have to travel a little, it is a great excuse to visit Saratoga County and make a day out of it. Please call for more information or check our website for more details on what we will be accepting that day AT NO COST TO YOU! The list of items is huge and includes Air Conditioners, Dehumidifies, Computers, Televisions, any type
or size of household appliance, car batteries, any type of scrap metal, wire, and much, much more. We hope to see you there. Can't make it? Call us to schedule an appointment for us to come to you! For us at Scrapster, every day is Earth Day. With our scrap metal recycling, all appliances and other metal items we pick up are taken apart and separated into basic components (wire, circuit boards, motors, etc.) for more effective re-use. We operate our junk removal service the same way… donating items like clothing and good quality furniture and separating cardboard boxes, metal, magazines, etc. so they are all recycled properly. Scrapster is local family owned 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. We are convenient, reliable, insured, and (bonus!) we do all the work. Please give us a call today at (518) 505-5055 or visit our website at www.scrapster.com Vincent Coppola Owner of Scrapster Scrap Metal Removal/Recycling Service
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“There is no greater country on Earth for entrepreneurship than America. In every category, from the high-tech world of Silicon Valley, where I live, to University R&D labs, to countless Main Street small business owners, Americans are taking risks, embracing new ideas
Answers from page 12
and - most importantly - creating jobs.� - Eric Ries
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APRIL CROSSWORD PUZZLE
20. Disarrayed 22. Container weight 23. Parsley or sage 24. Happenings 26. Bawdy 30. Japanese apricot 31. Indian bread 32. Wings 33. A single time 35. Spurns 39. Touching upon
DOWN 1. Valuable metal 2. 57 in Roman numerals 3. Horse feed 4. Chocolate cookie 5. Gift of the Magi 6. Terms that refers 7. Bitter 8. Not false
9. Without warning 10. 100th anniversary 11. Sea 12. Not tall 13. Notes 21. An evil supernatural being 25. Widespread 26. Tardy 27. Distinctive flair 28. A magician's tool 29. Pervert 34. Grows weak and thin 36. Pearly-shelled mussel 37. What we sleep on 38. Views 40. Biblical kingdom 42. Grownup 45. Agricultural laborer 48. Showered 51. Punctuation mark 52. Something to shoot for 53. French for "Our" 55. The ability to see 58. Roman emperor 59. Operatic solo 60. Taverns 61. Untruths 62. If not
Answers can be found on page 14
ACROSS 1. Melancholy 6. Rodents 10. Outlay 14. Female internal reproductive organ 15. Beige 16. Reflected sound 17. About a US quart 18. A bitter quarrel 19. A noble gas
41. Daytime performance 43. Ceased 44. WW1 plane 46. Assistant 47. Neither ___ 49. Euro forerunner 50. Not a win 51. Movie house 54. Afflicts 56. Smell 57. Impossible to satisfy 63. Of higher order 64. Tidy 65. Chalice 66. Shopping place 67. Sea eagle 68. Employs 69. Away from the wind 70. Specks 71. Thigh armor
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FEATURED BUSINESS
A Neighborhood Eatery. Garden Bistro 24 is a place that prepares and serves food that is fresh, insightful, bright and bold. At every opportunity, we source our produce from local farms, not just so we can help support local business but because we have a passion for great food. Our principles for the kitchen are simple. We are not about using specialized ingredients, but rather we are about using our technical abilities to make simple food taste bright and leave a lasting impression. Executive chefs John Grizzaffi and Don Rogers have been working together on the Garden Bistro 24 menu for several years and continue to make changes and improvements because the only thing constant in a kitchen is change. Our dining room is designed to complement the values and focus of our kitchen. A subtle blend of French Country and Parisian life highlight our dĂŠcor. Our color scheme is warm and welcoming making the dining experience relaxed and enjoyable. Although great food starts in the kitchen, our Waite staff completes your dining experience by providing friendly, professional and knowledgeable service. So come join us for Lunch or Dinner at either of our two locations. We're sure you will enjoy the experience.
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ANOTHER SATISFIED MIRONS CUSTOMER From the moment we walked into the store to the final installation, this was acompletely positive experience. Both of the owners were very easy to work with and very understanding of all our concerns. The installation of the floor was scheduled hassle free. The installer, Bud, that Mirons use is unbelievable. He was a true professional. He took extra time to do all the little things to make us happy. We were very happy that we chose to have the floor installed after seeing the detail of the work and the finished product. After this experience,we have no doubts that we will be returning to Mirons for all our flooring needs. Thank you to Dick, Dave and Bud for a service and job well done.
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Cohoes Public Library 169 Mohawk Street Cohoes (518) 235-2570
ST. JOHN’S EPISCOPAL CHURCH COHOES PUBLIC LIBRARY - MOHAWK STREET St. John’s was organized in 1831. The congregation met for a year in a tiny schoolhouse until a small wooden church was built. In 1868, a site at Canvass and Mohawk Streets was chosen for a new church. One of the best church architects of the day, Richard Morris Upjohn, was hired and in April 1870 ground was broken. The first services were held in June 1871. The church was destroyed by fire in September 1894. In June 1895, the cornerstone for the third St. John’s was laid. By the 1960s, due to loss of population, the congregation of St. John’s could no longer maintain the church, so a new structure was built on Vliet Blvd. The third St. John’s building now houses the Cohoes Public Library, and has been nationally recognized as a model of adaptive re-use.
HOURS: Monday: 10am-8pm Tuesday: 10am-5pm Wednesday: 10am-8pm Thursday: 10am-5pm Friday: 10am-5pm Saturday: 10am-4pm Closed Sundays & Holidays
WEEK AT A GLANCE: Opening Ceremony 10am - Mayor 10:30 Natalie Boburka Local Artist/Teacher 1pm movie Gravity SUNDAY APRIL 6 Closed MONDAY APRIL 7 E-Book Class 6:30pm Jo-Ann Benedetti TUESDAY APRIL 8 Recognition of Library personnel by Mayor WEDNESDAY APRIL 9 Author Frankie Bailey 10:30am 6pm Bridges - Helping Others Help Themselves - Brittany Hunt THURSDAY APRIL 10 10:30am Senior Services of Albany: Medicare 101 - Janet Kiffney FRIDAY APRIL 11 Talking tech with Matt & Dave 1-3 pm Registration necessary ENTIRE WEEK Selections from Cohoes Artists and Food Pantry Collection SATURDAY APRIL 5
www.cohoespubliclibrary.org
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25 Bedford Street Cohoes, NY 12047 Time-Dated Material Please deliver immediately