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the principal financial group® is proud to announce the latest addition to the Upstate New York Business Center. For information on building financial security for yourself, your family or your business, call Lawrence or Scott today. LLawrence a w r e n c e M. M .Dillon, D i l l o nCFP, , C FChFC, P ® , C hCLU F C ®& , CScott L U ® Powhida sPrincor c o t t P oRegistered w h i d a , MRepresentative anaging Director Princor registered representative Financial Advisor Financial Advisor SSenior e n i o r Financial F i n a n c i aRepresentatives l representatives 637 New Loudon 6 3 7 n e w l o u d o n Road, r o a d Suite , S u i t1e 1 lLatham, a t h a m , NY n Y 12110 12110 ((518) 5 1 8 ) 724-1700 724-1700 dillon.lawrence@principal.com ◆ powhida.s c o t t @ p r i n c i p a l . c o m powhida.scott@principal.com
©2011 Principal Financial Services, Inc. “The Principal,” “Principal Financial Group,” the Edge design, “We’ll Give You an Edge” and the illustrated character are registered service marks of Principal Financial Services, Inc. Insurance products from the Principal Financial Group® are issued by Principal National Life Insurance ® Company (except in New York) and Principal Life Insurance WE’LL GIVE YOU AN EDGE Company. Securities offered through Princor Financial Services Corporation, (800) 247-1737, member SIPC. Principal National, Principal Life, and Princor® are members of the Principal Financial Group, Des Moines, IA 50392. AD2646 | t100806014w
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I know the holiday has past, but it wasn’t all that many days ago.....How did you celebrate Memorial Day? Many of us celebrate the three day weekend as the unofficial start of summer with picnics, parties and family gatherings. These are all great but do we also attend parades or other ceremonies that honor the many men and women who lost their lives while in service to our country. Originally called Decoration Day, Memorial Day became a federal holiday in 1971. This is the day set aside to honor the brave men and women who died in service to our country. In the small town where I grew up we had a parade every year to honor those brave men and women. The parade went right down the middle of Main Street with local businesses on both sides of the street decked out in “Red, White and Blue”. There were floats, the high school marching band and at the end of the parade were all the
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kids on bikes decorated with streamers and American Flags. The parade always ended with a ceremony at the cemetery which included a moment of silence to honor those who gave the ultimate sacrifice for their country. It was a solemn occasion but one that reminded us that freedom should not be taken for granted. It comes at a very large price. A great reminder why we observe Memorial Day is a visit to the Saratoga National Cemetery. It’s a beautiful, serene, quiet and very large final resting place for thousands of those dedicated men and women who served our country. By the time you leave the cemetery you’ll definitely remember why we observe Memorial Day. So wherever you may be next Memorial Day remember to take a moment out of your day to remember those that gave the ultimate sacrifice so that we can enjoy our picnics, parades and family gatherings. Wishing you and your families a happy and safe start to the summer. Kevin Hotaling, Owner and Publisher, Our Towne Colonie
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Kevin Hotaling • 518-598-3081 • ads@ourtownenortheast.com Jim Gulli • 518-857-9546 • Jim@ourtownenortheast.com
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Auto Insurance FAQ’s When should I add my children to my auto policy? The general rule with most insurance companies is when your son or daughter gets their learners permit they should be added to your insurance policy. Insurance companies guidelines differ however, some will allow you to add your child as a non-driver to the insurance policy until they get their license. The reason is the carrier would prefer an updated list of regular and soon to be drivers for the vehicles they insure. The carrier knows they will get additional premium when the driver becomes licensed. Should young drivers get their own policy? When your son or daughter becomes licensed you have a tough decision to make. Should you add them to your policy or should they get their own policy? Due to the high cost of auto insurance a young driver can get more coverage for far less money by staying on the parents policy. The problem is if there is an accident the rates will go up at renewal for all vehicles insured on the policy. In the event of a major claim or multiple claims the policy could be canceled all together. What’s the best solution? Call your agent and ask what the carriers’ policy is in reference to adding your child to your policy when they get their permit; and when they become licensed. We have a carrier who allows young drivers to be spun off the parent’s policy onto their own policy. The benefit is they share the parents rating structure and pricing but have their own policy. In the event of an accident or claim it would not affect the parents policy. Do I need more insurance with a young driver? You might consider adding a $1,000,000 umbrella policy, which will provide additional liability protection for your home and auto policies. Correctly structured it could cover multiple auto policies at one residence. Umbrella policies are a cost effective way of adding extra protection. Who do I call with questions about auto insurance? Feel free to call the professionals at The Lyden Group Insurance Agency we are always happy to help. Call 877-7018 or e-mail steve@lydengroup.com
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Diabetes, Cholesterol, and Blood Pressure—Oh My! The last couple of decades tell a “good news, bad news” story about diabetes. That’s the disease that makes it tough for your body to control blood sugar. Here’s a snapshot: In the last 20 years, the number of adults with diabetes has more than tripled. Nearly one in 10 now has the disease. That’s certainly not good news. But there are some bright spots in recent reports. In general, control of blood sugar has improved and rates of serious complications from diabetes have declined a great deal. If you’re at risk for diabetes or already have it, consider these three questions: 1. Are you making good lifestyle choices? Where people haven’t made progress, lifestyle has a lot to do with it. For example, it’s no secret that the obesity epidemic is growing, right along with the diabetes epidemic. Think about the lifestyle choices you make. Yes, you’ve heard it all before, but it still holds true: Make healthy food choices—and understand diabetes meal planning. Exercise 30 to 60 minutes most days of the week. Move to or stay at a healthy weight. And manage your stress as well as you can. 2. Do you know your diabetes ABCs? Knowing your numbers is also a big piece of the diabetes story, especially if you are at risk for or have high blood pressure or high cholesterol. High blood pressure is when blood moves through your vessels with too much force. Cholesterol is a fat-like substance that can cause plaque buildup in arteries. Combined, these three give your heart and blood vessels a triple whammy. These are the diabetes ABCs: • A is for the A1C test. That’s the test that shows what your blood sugar levels have been the past three months. In most cases, you want to shoot for a number below 7. • B is for blood pressure. A great goal is below 140/80. The top number measures pressure in vessels as your heart beats. The bottom number measures pressure when vessels relax between beats. • C is for cholesterol. Ask your doctor or me the numbers you need. 3. Are you managing your medicines? If you have type 1 diabetes, you must use insulin. Some people with type 2 diabetes utilize pills and/or insulin to meet target blood glucose levels. Although lifestyle is a first line of defense, cholesterol medications such as statins can help control cholesterol levels. As for high blood pressure, there are many classes of drugs to keep this silent killer at bay. It may not be easy keeping track of all this, especially if you’re taking multiple medications. That’s what your pharmacist at Marra’s Pharmacy is here for. We can explain how each drug works, what side effects to watch for, and how to make sure you’re taking them all properly. Just as importantly we can assist you on coordinating the best regimen to take your medication and often times provide you the most cost effective manner to acquire your medications, taking some stress of your wallet or pocket book. So, what’s your diabetes story? Together, let’s make sure it has a happier ending. P.S. – Also count on Marra’s Pharmacy for help with your Diabetes Testing Supplies!
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How to Get Rid of Ants, Wasps, Spiders and other Insects Spring Survival Tips Spring has finally sprung, our customers are gearing up for a season of outdoor fun. Whether you’re barbequing or simply relaxing on your patio, nothing crashes a party like an onslaught of insects. However, following these tips, you can get rid of ants, spiders and other pests safely and easily, indoors and out. Arm Yourself Against Ants
“There are two basic ways to deal with ants,” says Stew Clark, Director of Research at TERRO®, an industry leader in DIY pest control products. “The first and often only step needed to control ants is to bait the ants with liquid ant baits. Indoors, lace liquid ant bait close to areas where ants have been observed. The liquid baits are made with a natural, sweet tasting liquid that attracts ants quickly. While the active ingredient in the bait will ultimately kill the worker ant by interfering with the ant’s digestive system, it works slowly enough that the worker has time to get back and unsuspectingly share the lethal bait with the rest of the colony.
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Wherever insects are noticed, stand a safe distance from the nest and use a foaming wasp & hornet killer spray until the surface is moist. As the foam expands, it will completely cover the nest. The insects will fall to the ground and die. Try to spray early in the morning or late at night when they are less active and are in the nest. To prevent wasps from entering your home you should spray around areas where they can enter, including gaps around outdoor plumbing and vents, cracks or crevices in foundations and along sills and ledges. Conquer Creepy Crawlers
Spotting a spider sends many people running. However, these creepy crawlers can easily be eliminated with contact killers, like an aerosol and ready-to-use spray.
Spiders are often found in woodpiles, heaps of dead leaves or anywhere debris builds up. Moist areas such as basements and garages are also prime areas that these pests gravitate towards. Removing debris around and in your home and keeping damp areas as dry as possible will lessen the possibility these pests entering a home. “Even the best efforts to keep spiders at bay often fail,” says Clark. “The best line Since most indoor infestations are linked to a colony of defense is to have a contact killer on hand and to located underground outside the house, you should periodically treat the area by spraying in cracks and also bait ants outside with an outdoor liquid ant crevices.” bait. When searching for ants outside, look for “ant highways” or foraging trails. These trails are simply Phillips Hardware carries all the Terro products you a line of marching ants that leads from their home will need this summer to stay pest free. TERRO® is to yours. Often, these trails are most active during the industry leader in ant control and has been a the morning or evening. Place insect bait near ant trusted brand in pest control products for more than trails or where ants are numerous. After baiting, if 90 years. Based in Lititz, PA , the company offers the ants are still coming, you might need to move to proven ant and pest control products including a contact killer to help eliminate the ants. Look for liquid ant baits, aerosol sprays, perimeter granules sprays, dusts or granules that kill ants instantly and and ant dust products. deliver long-lasting residual repellency. Wipe out Wasps & Hornets
Wasps and hornets begin to emerge from hibernation in the springtime. Their painful stings are dreaded by many, but there are easy and effective ways to kill these unwanted pests. Aerodynamically, the bumble bee shouldn’t be able to fly, but the bumble bee doesn’t know it so it goes on flying anyway. Mary Kay Ash
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I can accept failure, everyone fails at something. But I cannot accept not trying.” – Michael Jordan
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June Crossword
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Answers on Page 26
ACROSS
DOWN
1. Raucous flier 4. Crones 8. A little lower 12. Be in hock 13. Blue-pencil 14. At all times 15. Cheerily 17. Refer to 18. Husky burden 19. Center 20. Scenery chewers 23. Riot 25. In conflict with, with “of ” 27. Drops on blades 28. Go on and on 31. Collar folds 33. Peek 35. Smelter input 36. “___ la la!” 38. Hardly worth mentioning 39. Asian starling 41. ___ milk 42. Went back and forth 45. Back 47. Ostrich-like birds 48. Chests of drawers 52. Concert equipment 53. Munitions 54. Seek the affection of 55. Pink-cheeked 56. 100 centavos 57. Crux
1. Nudge 2. Leave widemouthed 3. Japanese capital 4. Cure 5. Freud contemporary 6. Richly embellished 7. Pig’s digs 8. Rhodes of Rhodesia 9. Keen 10. Reply to “Shall we?” 11. Guitar part 16. It’s debatable 19. Whimpers 20. Ring 21. A long way off 22. Brood 24. Implore 26. Bridges in movies 28. Bite like a beaver 29. Bad spots? 30. “All ___ are off!” 32. Junior, e.g. 34. Sharp 37. Zimbabwe’s capital 39. Not well-groomed 40. Directs 42. Juicy fruit 43. Bullets and such 44. Coffeehouse orders 46. Too 48. Phone bug 49. Part of B.Y.O.B. 50. “___ rang?” 51. Weep
June Sudoku
Answers on Page 20
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Start Saving Today for Tomorrow’s College Bills Another school year is drawing to a close. If you have young children, you might be planning for their summer activities. But you also might want to look even farther into the future — to the day when your kids say “goodbye” to their local schools and “hello” to their college dormitories. When that day arrives, will you be financially prepared to pay for the high costs of
higher education? Consider this: For the 2013–2014 academic year, the average cost (tuition, fees, room and board) was $18,391 for an in-state student at a four-year public college or university, and $40,917 for a private school, according to the College Board. And these costs may well be considerably higher by the time your children enter college. Of course, these are just the “sticker” prices; some families pay less, thanks to grants and tax benefits, such as the American Opportunity Tax Credit and the Lifetime Learning Tax Credit. Still, you may encounter some hefty college bills down the road. But college is still a good investment in your child’s future. Over an adult’s working life, an individual with a bachelor’s degree can expect to earn, on average, nearly $1 million more than someone with only a high school diploma, according to the U.S. Census Bureau. So you’re saving for a good cause. Unfortunately, you may not be saving enough — or you might not be making the most of your savings. To save for college, more parents use a general savings account than any other method, according to Sallie Mae’s How America Saves for College 2014 study. These types of accounts carry two significant drawbacks: They typically earn tiny returns and they offer no tax advantages. However, you do you have some attractive college-funding vehicles available, one of which is a 529 plan. Your 529 plan earnings accumulate tax free, provided they are used for qualified higher education expenses. (529 plan distributions not used for qualified expenses may be subject to federal and state income tax and a 10% IRS penalty.) Furthermore, your 529 plan contributions may be deductible from your state taxes. But 529 plans vary, so be sure to check with your tax advisor regarding deductibility. A 529 plan offers other benefits, too. For one thing, the lifetime contribution limits for 529 plans are quite generous; while these limits vary by state, some plans allow contributions well in excess of $200,000. And a 529 plan is flexible: If your child decides against college or vocational school, you can transfer the unused funds to another family member, tax and penalty free. While a 529 plan is a popular choice for college savings, it is not the only option available. You also might want to consider a Coverdell Education Savings Account, which, like a 529 plan, can generate tax-free earnings if the money is used for higher education expenses. You can typically only put in a maximum of $2,000 per year to a Coverdell account, but it does offer more flexibility in investment choices than a 529 plan. Your children may be young today, but, before you know it, they’ll be packing their bags for college. So, no matter which college savings vehicles you choose, put them to work soon. 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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The Spindle City Historic Society In the summer of 1994, a group of people began meeting in Cohoes to avert the planned demolition of the Silliman Memorial Church. They adopted the name Friends of Historic Cohoes. In the first few years, their efforts were concentrated on raising awareness of Cohoes history and the importance of historic preservation in the community, and in advocating alternatives to demolition of the Silliman church. In the spring of 1996, the organization held its first Annual Meeting, an event featuring guest speakers. The organization adopted a new name, the Spindle City Historic Society, in June of 1996, and received official status as a nonprofit organization from the State Education Department in June of 1997. In the fall of 1998, the Society published the first issue of its newsletter, which has appeared quarterly ever since. In that year, the Society offered its first guided tour, visiting Harmony Mill #3 and the surrounding historic district; since then, the society has offered numerous tours of historic sites in Cohoes. In the winter of 1999, the first SCHS webpage was launched, and the society continues its presence on the web, now at www.spindlecity.net. In January of 2014, SCHS created a Facebook page. In 1999, as part of the Cohoes Beautification Project, SCHS decided to “adopt” Lock 15 of the enlarged Erie Canal as its site for cleanup. SCHS has continued to work on the Erie Canal in cleanup, preservation, and education efforts. In 2003, SCHS began a partnership with 4th grade students in
Reinventing Tech Support with Liberteks.com Technology is a big part of our lives- it’s in our homes, our cars, our kitchens, our pockets and even on our wrists. We’ve embraced it as a culture and there’s no stopping how fast it is changing and evolving, making it incredibly hard to keep up with the trends. Most people have other things on their plate, so how would they be able to? As easy as it is to get behind in the tech world, keeping up is actually pretty hard. Where do you go to learn? Maybe online forums, but how reliable are they? Not very, that’s for sure. Occasionally you may come across some posts by the seasoned expert- but only after sifting through hundreds of biased and opinionated others. There are thousands of different sources and mountains of information to sort through to even begin. And, how do you tell who’s really an expert?
Rockville Centre, New York, in a fundraising effort to preserve canal sites in Cohoes, which culminated in the installation of an interpretive sign explaining the workings of canal locks. SCHS spearheaded efforts to create a park at the site of the Silliman Memorial Church, and organized the dedication of the park in 2004, which included the installation of an interpretive sign describing the life and legacy of industrialist and philanthropist Horace B. Silliman. SCHS members created other interpretive signs around the city, including signs in Power Canal Park, Craner Park, and along the Canal Heritage Trail. The Society’s most recent interpretive sign project honors Hall of Fame baseball player George Stacey Davis. Fall 2001 marked many important and exciting changes for SCHS. After years without a home, the group took up residence in the Cohoes Visitors Center. The SCHS produced its first book, a pictorial history of Cohoes published by Arcadia Press. The SCHS published a second book, Cohoes Revisited , in 2006. The Society’s latest book, a postcard history of Cohoes, was published in March 2014. All three books are for sale through the SCHS by contacting 518-237-5618 or info@spindlecity.net. Since moving into the Visitors Center, the SCHS has offered a wide range of programs, including presentations on various aspects of Cohoes and regional history, exhibits of art, and displays of historical artifacts and photographs. In 2002, The Spindle City Historic Society released its first self-guided tour brochure, on the Harmony Mills Historic District, which has been followed by brochures on the Erie Canal in Cohoes, the Cohoes Mastodon, Harmony Mills worker housing, churches of Cohoes, historic railroad sites in Cohoes, and the city’s downtown historic district. (Continues on page 26)
fix. With this service, we solve your biggest questions and needs as a consumer living in a technology filled world. How can I maximize my smartphone? How can I get the most out of Windows? These are small examples of what one may ask in a Tech Support session. But there’s more to it. Gone are the days of simple Q&A to determine your next major technology decision (buying a new PC, for example). With a Liberteks Tech Support Session, we’ll sit down with you to really figure out what you need from technology- no “big box” answers here. We realize that you’re unique as an individual, so your tech solutions should be too! A tailored tech solution can deliver exponentially more value to you now, and in the future. We know what tech is out there and what trends there are- we are tech experts, after all.
The point is, it’s hard to know what technology there is out there and which of it is best for your individual lifestyle. Technology today is so capable, how do we even begin to suck out the incredible value that it can bring to us? Yesterday, the answer would not have been so simple, but today it is- Liberteks Tech Support.
Besides tailored solutions, it really boils down to one thing. Helping you get the absolute most out of technology. There are thousands of products and solutions out there, but there is only one you. Your needs and questions are unique, and as your local experts- we’ve got your unique solutions. Whether you’d like to learn the skills of safe internet browsing, or are looking for the best computer to fit your individual needs- we’ve got the expertise for you to reap the rewards of technology.
What exactly is “Liberteks Tech Support”? Well, It’s a one-onone, in person support session where you bring your biggest tech questions. No, this isn’t where you bring a broken PC for a
To schedule a Liberteks Tech Support session or to learn more, give us a call at 518-452-0550x1. We look forward to helping you!
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smAlbany Small Business Expo, CNSE, SUNY, Albany, July 17, Focusing on Micro, Small Business Owners’ Work / Life Balance The 8th annual smAlbany Small Business Expo will be held on July 17, 2014 at The College of Nanoscale Science and Engineering of the State University of New York, Albany, 255 Fuller Road, from 8am - 4pm, and will focus on helping small business owners and entrepreneurs succeed in a dynamic digital world, while also achieving relationship and wellness goals. smAlbany is the annual small business expo dedicated to fostering the growth of small businesses in the Capital District / Tech Valley Region. This year’s event organizers include: Larry Zimbler, smAlbany Founder, President, Liberteks, Kevin Hotaling, President, Bounce Alot Party & Music Rentals Inc./Owner and publisher Our Towne Colonie, and Jay Purner, Founder, JaCorWeb. smAlbany will be held at The College of Nanoscale Science and Engineering of the State University of New York, Albany, 255 Fuller Road, from 8am - 4pm. Traditional event features include exhibitors, workshops and speakers. This year’s theme, ‘Connect to Your Work / Life Balance’, marks a departure from tradition by placing focus on the overall well-being of the micro - small business owner and key small business personnel. Attendees can opt to make a self-assessment with regard to work, family and personal health, and will be given a workbook and suggested track through the seminars and workshops, in order to effectively address the areas in which they identify themselves as needing improvement. Speakers will be successful small business owners who will reveal the secrets of their success. Exhibitors will offer not only core business process solutions, but leisure time and lifestyle solutions, as well. Workshops will focus on real-world solutions for finding balance in your life. “Our goal this year is to help small business owners, family business members and key team members achieve sustainability for their businesses while avoiding burn-out, family conflicts and low physical energy,” says Larry Zimbler, President of the Albany-based Liberteks, and smAlbany founder, “Successful small business owners, the ones who’ve weathered the Recession and the explosion of technology and are still thriving, have done so by learning to balance and maintain their personal health, family commitments and professional goals. We want to share that and make this a day of true reflection and planning. Our exhibits will offer scalable solutions, because this year we’re focusing on the sweat-equity entrepreneur, the ‘part-time’, home-based, micro business owner, as well as the established business owner.”
EXPIRES 6-30-14
A $50.00 registration fee, secures seat, workbook and lunch. Free registration is also available on a first come - first served basis, but does not guarantee seat, nor include workbook or lunch. A networking mixer will be held following the main event, at a location to be determined.
For more information, and to register, please visit:
www.smalbany.org
CONTACT INFORMATION Larry Zimbler larryz@liberteks.com http://www.Liberteks.com 518-452-0550 Ext. 1 Kevin Hotaling ads@ourtownenortheast.com http://www.BounceRide.com http://www.OurTowneColonie.com 518-767-2222 Jay Purner jay@jacorweb.com http://www.JaCorWeb.com 518-698-6761
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To Advertise Call Kevin 518-598-3081 or email to: Ads@OurTowneNortheast.com
WHAT’S IN YOUR CLOSET MUSINGS ON THE FATE OF BOOKS Contrary to some popular opinion the book is not a thing of the past. Speculation has been rampant for years as tech companies fine tune e-book readers and audio book delivery is expanded. Independent bookstores were supposed to have gone the way of the bison, slowly disappearing as civilization advanced in the form of mega-stores. But at this juncture it seems we have reached a level of peaceful co-existence. Some people opt for digital consumption, some people prefer the printed word and many use both. Humorously, in my day-to-day contact with folks downsizing or dismantling estates I regularly hear: “I just can’t throw out books”. Consequently I get offered books that have spent years acquiring a fuzzy white jacket of mold in a damp basement or books that have been toddler-handled, insect consumed or altered for school projects. There is still the mystique of the book. It is still treasured. There are still many of us who refuse to relinquish the excitement of holding a newly printed book with its fresh smell and feel and listening to the faint crack as we open the front board for the first time and read the synopsis and author bio on the dust jacket flaps. And there are equally as many who relish the presence of a wellread book, who delight in the craftsmanship of a volume with leather spines and corners, gilded edges and tipped-in color illustrations. No, the book will survive as long as there are plenty of us in love with books to make it happen. Visit Dennis Holzman Antiques, we carry nearly 10,000 rare and out of print books and are always buying, especially books signed by important authors, fine bindings, scholarly works and limited editions.
Dennis Holzman Antiques
111 Remsen Street Cohoes • 326.2061 • www.holzmanantiques.com
“Inspiration exists, but it must find you working.” – Pablo Picasso
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Since 1991
TREE SERVICE REMOVAL • STUMP GRINDING • TRIMMING
356-4877
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111 Remsen Street ◆ Cohoes ◆ 518.326.2061 www.HolzmanAntiques.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
www.CohoesPublicLibrary.org
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Why Use A Buyers Agent? By Bob Eberle If the IRS told you that you owed $150,000, would you deal with that problem without the help of a professional accountant? If you were engrossed in a legal matter over $100,000 would you try to resolve it without the help of an attorney? Real estate transactions are one of the biggest financial investments most people experience in their lifetime. It would be crazy to make a purchase like that without a professional by your side – especially a professional who knows the Capital Region like no other. But if you’re still not convinced of the value of a real estate agent, here are some more reasons to use one. If you are buying a home, The Eberle Real Estate Experts: Can help you determine your buying power – that is, your financial reserves plus your borrowing capacity. Not only do we work with the top vendors, but we will be able to assess which one of those lenders is most qualified to help you and your current situation. We know that your purchase is not the same as our last buyer or the next one. Have many resources to assist you in your home search Sometimes the property you are seeking is available but not actively advertised in the market, and it will take some investigation by your agent to find all available properties. We are also always in open dialogue with other agents. Not to mention our mobile app and top Capital Area Homes for Sale search site, www.albanyhomes411.com . Can assist you in the selection process by providing objective information about each property Real estate agents have access to a variety of resources. We can provide local community information on utilities, zoning, schools, etc. There are two things you’ll want to know that we can tell you – Will the property I’m looking at
provide the environment I want for a home or investment? Second – will the property have resale value when I am ready to sell and move on? Can help you negotiate Contingencies. Concessions. There are myriad negotiating factors, including but not limited to price, financing, terms, date of possession and often the inclusion or exclusion of repairs and furnishings or equipment. The purchase contract should provide a period of time for you to complete appropriate inspections and investigations of the property before you are bound to complete the purchase. Your agent can advise you as to which investigations and inspections are recommended or required. We can also help you best negotiate any issues found at the property. Provides due diligence during the evaluation of the property Depending on the area and property, this could include inspections for termites, dry rot, asbestos, faulty structure, roof condition, septic tank and well tests, just to name a few. The Eberle Real Estate Experts can assist you in finding qualified professionals to do these investigations. We only work with vendors whom we would trust with our own home. Can help close the purchase of your new home Between the initial purchase agreement and closing, questions or issues may arise. Don’t you want a professional on your side, objectively helping you to resolve these issues and get to the closing?
Eberle
Real Estate
Experts
952 Troy Schenectady Road Peter Harris Plaza - Executive Suites, Latham (518) 786-7007 • (518) 588-3606
Watch for our new “one of a kind” office location coming soon to the Peter Harris Plaza located at 952 Troy - Schenectady Road Latham NY 12110
To Advertise Call Kevin 518-598-3081 or email to: Ads@OurTowneNortheast.com
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FEATURED BUSINESS www.TedsFishFry.net Ted’s Fish Fry is a family owned and operated business that has been a Capital Region tradition for over 60 years! Started by Ted Deeb, and now run by his son SK Deeb, Ted’s is an American Dream success story. Back in the 1930’s, Ted Deeb, the son of Lebanese immigrants was a young boy, living in Troy, NY. At just 10 years old, Ted was diagnosed with a serious heart ailment, and was therefore taken out of school. In an interview back in 1978, Ted stated, “I knew that I didn’t have enough formal education to get me too far, so I decided I would have to start a business of my own. What I lacked in formal education I had to make up for in practical knowledge”. Recalling his first business experience, Ted stated, “I was 12 years old and my father ran a dry goods store. I needed some money so I asked him if I could sell some notions door to door. I took a little black suitcase filled with knickknacks and was on my way”. Ted continued selling different products from door to door until he was 20 years old. At this time, he took a $300 loan from his sister, and bought an open-air fruit market. Ted described this business venture as his “biggest gamble”. That gamble turned out to be a success. After running the fruit stand for a couple of years, Ted purchased a building and converted it into a snack bar called “Pots and Lots”. From there, Ted moved to 447 3rd Ave, in Watervliet and opened the first Ted’s Fish Fry. Ted stated, “It just came to me. I wanted to make money. The idea for a fish fry stand came along and I capitalized on it. That’s how I got my start”.
SK Deeb, Dave Hardy, Sue Fisher, Joe Deeb, Bill Deeb
Ted Deeb
Fast forward to today, and that Watervliet Ted’s Fish Fry is still running, along with 4 other locations in North Troy, Sycaway, Latham and Colonie. Ted passed away on July 21, 1985, and is survived by his Ted’s Fish Fry: 447 3rd Ave, Watervliet Year:1959 wife Ellen Deeb, son, SK Deeb, daughter, Donna Deeb and four grandchildren. Family and tradition are two things that go hand and hand at Ted’s Fish Fry. SK is now the president of the company, and runs all 5 Ted’s Fish Frys with the help of his son, Bill Deeb, cousin, Joe Deeb, and his wonderful managers & employees.
We continue the traditions that Ted started back in the 1940’s, which include the way that we call in each order to the cooks, and the delicious recipes that Ted mastered. Back in 1968, Ted was driving south, down to Florida and stopped to eat at a small snack bar for fried chicken. Ted was so impressed with the flavor of the chicken that he asked to speak with the cook. Ted stated, “I took the recipe home with me and after considerable experimentation; I used the chicken fry batter for my onion rings. It proved to be ‘scrumptious’ and now they are just as popular as my fish frys”. Our homemade meat sauce came from an old greek recipe, and helped put us on the market for hotdogs as well as fish frys. Today, we recently started selling mini hotdogs, loaded with the same home made meat sauce, derived from that Greek recipe.
Mini hotdogs (bottom left) with our homemade meat sauce & Home Made Onion Rings (right)
Ted’s Fish Fry has grown so much in the past 60 years, and we continue to grow as a business and family. Recently, two of Ted’s grandchildren got married. Shaun Deeb and Ashley Deeb had a baby boy in May, and Ted Deeb and Autumn Deeb are expecting a baby girl in June. Our menu at Ted’s Fish Fry is also growing. We have incorporated new items such as mini hotdogs, bacon burgers, fresh salads, homemade soups, and much more! Whether you’re looking to pick up a quick lunch, or you want to spend the evening in our dining room with your family, Ted’s Fish Fry is sure to satisfy your needs! Remember, we are not Fast Food, we are Fresh Food, FAST! 447 3rd Ave 350 2nd Ave 700 Hoosick Road 636A New Loudon Road 203 Wolf Road Watervliet Troy Troy Latham Colonie
To Advertise Call Kevin 518-598-3081 or email to: Ads@OurTowneNortheast.com
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Painting and Artwork Trivia Questions Brought to you by the Painting Bug - Janice Hotaling 1. In which Italian town was the artist Leonardo born? 2.Which Dutch painter cut off part of his ear after a quarrel?
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3. Which American artist was a pioneer of Abstract Expressionism, and a leading exponent of action painting? 4. Whose sculptures include The Thinker? 5. Which artist made his name with paintings of soup cans and Coca-Cola bottles? 6. How many paintings did Van Gogh sell in his lifetime? 7. In front of which French art gallery is there a large glass pyramid designed by I M Pei? 8. What nationality was Picasso?
Maggie’s
Gift Shop
521 TROY SCHENECTADY RD ◆ LATHAM, NY ◆ 518.785.2629
9. What are the 3 primary colors? 10. Which American river has given its name to a school of painting that included Thomas Cole and Frederick Church?
1. Vinci 2. Vincent van Gogh 3. Jackson Pollock 4. Auguste Rodin 5. Andy Warhol 6. One 7. The Louvre 8. Spanish 9. Yellow Blue Red 10. Hudson
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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
To Advertise Call Kevin 518-598-3081 or email to: Ads@OurTowneNortheast.com
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621 Albany-Shaker Road Loudonville (518) 458.9274 www.colonie.org/LIBRARY The Final Leg of The Triple Crown On Thursday, June 5th at 7:00 PM please join us for the final leg of the Triple Crown, with an in-depth analysis of the Belmont Stakes – less than 48 hours before the actual race occurs! This program is the third here with Neal Benoit. From Neal: “We will utilize the online Daily Racing Form software called Formulator to perform some real-time handicapping, including a review of past performances, race replays, and trainer statistics. If you have ever wondered how an experienced handicapper goes about preparing for a race this is your chance to witness it live. Neal Benoit is the founder of www.GettingOutOfTheGate.com a website dedicated toward educating and entertaining fans in the sport of thoroughbred horse racing. Neal has been an avid horseplayer for 35 years and travels regularly to horse racing venues throughout the United States.” Neal’s first two programs here – covering the Kentucky Derby and the Preakness – were a big hit. Two Nights: Two Colonie Authors Join us on two consecutive Thursdays to hear from two Colonie residents and authors. On Thursday, June 12th at 7:00 PM, Kathryn Biel will talk about her two new (well-received) novels: Good Intentions and Hold Her Down. The banner on Kathryn’s blog – telling stories of resilient women – should give you an idea of what she writes about. In a recent interview on Colonie TV she also proudly claimed allegiance to the term “chick lit” saying that the term can have a lot of different meanings. She is a working mother too! Her blog can be found at: http://kathrynbiel.blogspot.com/ On Thursday, June 19th at 7:00 PM, Phil Pisani will be here to talk about his WW II novel about a female war correspondent Maggie’s Wars – partly told from a female point of view. This is Phil’s first novel after many years as an Investigator for the NYS department of Labor. His website is: http://www.philpisani.com and he too was recently interviewed on Colonie TV. Both interviews can be found at http://vimeo.com/user7518947/videos Noon Book Review: Five Came Back Lenny Zapala – film expert and Director of the Menands Public Library – will review Five Came Back A Story of Hollywood and the Second World War by Mark Harris at our Noon Book review on Thursday June 26th. The book, says the publisher, is “the untold story of how Hollywood changed World War II, and how World War II changed Hollywood, through the prism of five film directors caught up in the war: John Ford, William Wyler, John Huston, Frank Capra, and George Stevens….between them they were on the scene of almost every major moment of America’s war and in every branch of the service – Army, Navy, Air Force, Atlantic and Pacific; from Midway to North Africa; from Normandy to the fall of Paris and the liberation of the Nazi death camps. In the end, though none of them emerged unscarred, they produced a
body of work that was essential to how Americans perceived the war, and still do.” As part of his review, Lenny will be sharing several of the short documentary films these directors made during the war. The review begins at 12:15 PM; bring your lunch if you are on lunch hour. A Look at Morocco Ahmed Elasser will speak on the history, geography, languages, food, music ,and arts of his native country. Watch for more details at the library and on our webpage. At 7:00 PM on Monday night June 23rd. Knitting Group Dates The knitting group will meet in the Youth Services Activity Room on Fridays, June 13 & 27, from 2:00-4:00 PM. For further information contact Gwen Gurien at 475-1470 or hgurien@nycap.rr.com Photography Contest Announced Calling all amateur photographers. The annual Library photography contest is two months away and it is not too early to enjoy taking some photographs and thinking about what photos to enter. Each photographer may submit up to three framed photos for the 2014 Colonie Library Photography Contest and Exhibit. The exhibit will run from August 1 to 31. Judging will be done the first week of August and a reception will be held on August 9th. As last year, photos will be judged for their impact, artistry, and technique. All entries must be framed, with the photos between 8x10 and 11x14 (not counting the frame), and received at the William K. Sanford Town Library by 5:00 PM on July 25th. (Please make sure there is a wire or way to hang the photo). And happy photographing! Best Children’s Library! Your Youth Services team was voted #1 once again! Readers of the Capital Region Living magazine said that we have the “Best Library Story Times.” As quoted from the May 2014 edition: “Whether your young readers are barely looking at pictures or delving into chapter books, they’re sure to find a reason to read and be read to here.” Thank you to the families who voted!
“Anything is possible if you’ve got enough nerve.” – J. K. Rowling
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(Spindle City continued from page 14) In 2009, SCHS partnered with the Peter Gansevoort chapter of the NYS DAR to organize a series of events for the Hudson-Fulton quadricentennial. SCHS has collaborated with numerous other organizations over the years for programs and events, including the Hudson Mohawk Industrial Gateway, the Victorian Cultural League, the city of Cohoes, Cohoes city schools, Cohoes Remembers Vets, the Watervliet Historical Society, and the Sons of the Spanish American War, As time has passed, we look back on what SCHS has accomplished, and look forward to an exciting and active future for the organization. The Spindle City Historic Society holds meetings the last Wednesday of the month at 7 p.m. at the Cohoes Visitors Center at 58 Remsen Street (ground floor of the Music Hall building) and has a schedule of programs and events throughout the year. For more information, visit the Society’s website at www.spindlecity.net, or contact info@spindlecity.net.
The Benefits of Practice In learning anything new in life, we only grow through practice. The beauty of this process is that it adds so much to our way of approaching things in our everyday lives. Learning to take time out of the day to focus on a subject teaches us better ways to organize and pace ourselves. It helps develop habits that are applicable to other aspects of life such as studying for a test or getting through tasks at work. As we work through a problem section, something our brains might not exactly grasp the first time around, we’re helping to build and strengthen pathways in the brain, and can enhance gross and fine motor muscle groups. When it comes to music instruments, practice itself is not enough. Providing a student the chance to bring what they’ve been working diligently on and perform it alongside other musicians presents further levels of learning. The feeling of satisfaction upon mastering what they have been working so hard on and performing it for friends and family is an amazing opportunity! Lastly, learning a musical instrument is a gift you can have for the rest of your life. At the School of Rock we provide the foundation to develop the discipline of practice in fun and unique yet challenging ways. Come on in for a tour and a free trial lesson today! David Bodie General Manager/Music Director ALBANY SCHOOL OF ROCK 592 New Loudon Rd Latham, NY 12110 518-783-ROCK
To Advertise Call Kevin 518-598-3081 or email to: Ads@OurTowneNortheast.com
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