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Salon Booth Rental Available! Join our team at Hair and Now, a well established salon with easy parking and great location in Socha Plaza, Rt 50, Glenville Must be experienced and have a book of clients.
Call Lori at 399-9655 for details
Success comes in can's‌. Failures come in can't.
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WHAT OUR EXPERTS ARE SAYING... Amy Aldrich, State Farm Insurance - Take Advantage of a Roth IRA Burnt Hills Optical - Astigmatism Cheap Geek - New Christmas Present? How to use it. Dr. Maggs - Concerned Parents of Young Athletes Chris Nyhan, Edward Jones - Financial Resolutions Dr Oyangen - Second Hand Snoring Padgett Business Services - Tax Credits Precise Fitness - Fitness and Fat Loss
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A message from 2011 has already started with positive news in Your Hometowne! Two new businesses just opened in Burnt Hills! Jennie Thompson's New Age Oasis opened in Burnt Hills Plaza, Jennie is a physic and a hypnotist. The interior of her Oasis is inviting and up scaled, her selection of gifts and crystals are beautiful. Just down the road on Rt 50 Sunraes, a state of the art tanning salon is opening soon. The salon is packed with the latest in tanning equipment and has room for several tanners at once! Glenville Health and Fitness had added a new room to offer a variety of classes in and will be having an Open House on the weekend on Jan 22nd and 23rd. Paul and I are really pleased to see people investing in our community, filling up empty buildings and growing their existing businesses to a new level. Our local entrepreneurs are boldly moving forward in an economy that has many people fearful to invest, we applaud them! Your Hometowne is making some changes as well. Our new logo with the star and stripes is meant to represent the pride and love Paul and I have for our country and our community. We have moved our column inside to give our advertisers an opportunity to be seen by you, our readers as you first open our paper. If it were not for the businesses that pay us to be in Your Hometowne, there would be no YHT. Our local businesses want to capture your attention and let you know that shopping local will pay back 10 fold over the big box stores, remember they are sharing our property taxes. Please be sure to tell them you saw them in YHT! We hope you don't mind turning the page to read what we have to say. We continue to thank our soldiers, past and present for keeping our country safe. Freedom isn't free. The sacrifices made by our military men and women along with countless volunteers allows us to maintain a way of life far above most of the world, their dedication should never be taken for granted. On a final thought, a special thank you to Karen Garrison, our Graphic Artist. Karen understands the need for building an image, not just an ad and has worked very hard to improve the image of many businesses in YHT. Karen's talents brought YHT to a new level; We have more than doubled in size since bringing her on board in June., we could not be more grateful for her tireless efforts and creativity. Happy New Year from Cheryll, Paul, Randy and Al! Comments and Input – Paul and Cheryll 280.5260 Advertising – Cheryll youraddirector@gmail.com or 265.1105 Photography – Paul hometownephoto@gmail.com Design – Karen Garrison kgarriso@nycap.rr.com or 883.3872
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Some people are afraid of heights, not me I'm afraid of widths.
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Up to
Make one of your resolutions to live in a warm and cozy home! A preventative maintenance visit or a new high efficiency heating/ cooling system will ensure that your home is comfortable no matter what time of year it is. We will help you control your environment with Perfect Heat and Perfect Humidity.
MORE viewing area
We are excited to announce that National Grid Rebates and Federal Tax Credits are back on select heating and cooling units!
“A word to the
wise
isn't necessary - it's the stupid ones who need the
advice."
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Fireplace Inserts Woodstoves
Fireplace inserts maintain the aesthetic appeal of your fireplace while delivering enormous savings in your heating bill! No more drafts coming down the chimney.
Woodstoves provide more than warmth; they have cook top surfaces that make them a true workhorse!
Illuminations Electric Fireplace is a breakthrough product that features an eclectic fusion of materials colored glass, mined calcite stone, natural beeswax or frosted sleeves, mixed with patented technology that fools the eye into thinking you have a beautiful fireplace decorated with real burning candles.
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Our Professional Staff has the knowledge you need for you painting, staining, finishing projects and the tools you’ll need to do a perfect job.
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There was a man who entered a local newspaper's pun contest, he submitted ten different puns hoping at least one would win, unfortunately no pun in ten did.
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RING IN SOME NEW YEAR'S FINANCIAL RESOLUTIONS Now that 2011 is almost here, you may want to make some New Year's resolutions. Planning to volunteer? Go to the gym more often? Learn a new language? All worthy ambitions, of course, but this year, why not add some financial resolutions as well? Which resolutions should you make? Here are a few ideas to consider: Boost your retirement accounts. No matter how old you'll be in 2011, one thing is certain - you're a year closer to retirement than you were in 2010. That's why you'll want to increase your contributions to your retirement accounts. If your salary is going up in 2011, boost the amount you defer for your employer-sponsored retirement plan. With tax-deductible contributions, tax-deferred growth of earnings and several investment options, these types of plans are tremendous ways to save for retirement. And try to “max out” your traditional or Roth IRA, too. Look for opportunities. With the uncertainties in the economy and the volatility of the financial markets, many decide to head to the investment “sidelines” for a while. Yet, this environment may actually be a good one for investors with patience, discipline and the ability to look beyond yesterday's headlines. For one thing, many quality securities are now good values. We're still seeing low inflation and interest rates which may lead to greater economic demand and improved strength in financial markets. Don't over-react to market swings. Over the past few years, we've seen plenty of sudden, sharp swings in the financial markets, and you're likely going to see more of them in 2011. Don't over-react to either the “ups” or the “downs” of the market. Over-reacting leads to short-term thinking - and successful investors are the ones who can maintain a long-term perspective. Rebalance when necessary. At least once a year, review and rebalance your portfolio, as necessary, to make sure it still reflects your goals, risk tolerance and family situation, all of which can change over time. Reduce your debts. While the sluggish economy of the past couple of years has obviously been a cause of concern for everyone, we have seen one “silver lining” in that many people, concerned about over-spending, have shed some of their debt load. The less money you have to spend on your debts, the more you'll have available to invest for your future, so do what you can to cut down on what you owe. Maintain adequate cash levels. As an investor, you've got at least two good reasons for maintaining enough cash in your portfolio. First, having adequate cash available means you'll be ready to act quickly to take advantage of good investment opportunities. And second, by having a cash cushion, you won't be forced to liquidate long-term investments to pay for short-term needs such as a major car repair, a new furnace, a big doctor's bill, and so on. By following these suggestions, you can position yourself to make progress toward your long-term goals in 2011 - and in all the New Years that follow. This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. Christopher Nyhan is a Financial Advisor with Edward Jones in Burnt Hills, NY. He serves as President of the BH-BL BPA and the BH-BL Rotary Club. He can be reached at 399-5087 or chris.nyhan@edwardjones.com.
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Knock Your Socks Off! Get a Winter Pedicure! You've bundled your feet into layers of tights, socks and winter boots, not thinking you need to get a pedicure because no one sees your feet anyway. Pedicures are more than just beauty treatments. Removing tough calluses and keeping your toenails trimmed will make putting on those clunky boots a lot more comfortable! Getting a professional pedicure will help your feet stay healthy during the winter months and will make you feel better about yourself in general. There is nothing more inviting than the warm water massaging your feet through a jetted pedicure basin. The smells of the lotions, the massage that comes with it and “YOU� time that comes with a pedicure is well worth the price you will pay for this type of pampering. And it is a good preventative against fungus and other
nasty issues that can occur if no one is paying attention. I go to Wendy Nails on Burnt Hills Plaza on Rt 50. The salon is brand new, extremely comfortable and the owners are friendly and courteous. Believe it or not I got Paul to get a pedicure a few months ago and now he's hooked! He says his feet feel so much better with the calluses removed and the proper trimming of his toe nails. We joke that his feet actually look human again! When we went to Florida he felt good about being barefoot on the beach rather than hiding his Man Feet! Pedicures are not just to show your toes off in summer sandals, you still have to look at your feet every day, and if you have a partnerso do they.
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FITNESS AND FAT LOSS TIPS I don't know if you are one to make New Year's Resolutions or not, but either way you're probably thinking about how you can become fitter, healthier and happier than you are right now. Here are some Fitness and Fat Loss Tips will get you on the right track for this New Year: 1.Push the intensity of your workouts. Don't kill time, burn calories by maintaining a challenging intensity. 2. Build accountability into your workouts so that you resist the temptation to take days off. The best way to ensure accountability is to work with a personal trainer either one-on-one or in a group training setting.
ASTIGMATISM This month we discuss the refractive error known as astigmatism. Astigmatism frequently occurs with other vision conditions like nearsightedness (myopia) and farsightedness (hyperopia). Together these vision conditions are referred to as refractive errors because they affect how the eyes bend or "refract" light. Astigmatism is a very common vision condition and most people have some degree of astigmatism. Slight amounts of astigmatism usually don't affect vision and don't require treatment. However, larger amounts cause distorted or blurred vision, eye discomfort and headaches. The specific cause of astigmatism is unknown. It can be hereditary, is usually present from birth and it can change as a child grows and may decrease or worsen over time. Astigmatism is caused by the cornea having an oblong shape, like a football, instead of spherical shape, like a basketball. A cornea with astigmatism has two curves, one flat curve and one that is steep. Light is then focused at two points instead of one. One point of focus may be in front of the retina and the other behind. This causes images to appear distorted in addition to appearing blurry. Astigmatism may also be caused by an irregularly shaped crystalline lens. This condition is termed "lenticular astigmatism." Sometimes astigmatism may develop following an eye injury or eye surgery. There is also a relatively rare condition called keratoconus where the cornea becomes progressively thinner and cone shaped. This results in a large amount of astigmatism resulting in poor vision that cannot be clearly corrected with spectacles. Keratoconus usually requires contact lenses for clear vision, and it may eventually progress to a point where a corneal transplant is necessary. Eyeglasses are the simplest and safest way to correct astigmatism. Patients with high amounts of astigmatism must have their glasses carefully adjusted to their face. Contact lenses that correct astigmatism are called toric contact lenses. In many cases, contact lenses provide clearer vision, a wider field of vision, and greater comfort. They are a safe and effective option if fitted and used properly. Patients with large amounts of astigmatism have greater success with rigid gas permeable contact lenses. Refractive Surgery aims to change the shape of the cornea permanently. This change in eye shape restores the focusing power of the eye by allowing the light rays to focus precisely on the retina for improved vision. Individuals with astigmatism have a wide range of options to correct their vision problem. In consultation with your optometrist, you can select the treatment that best meets your visual and lifestyle needs. For more information contact Kristen Cameron Burnt Hills Optical, 793 Rt. 50 Burnt Hills, 399-6130 or online at www.burnthillsoptical.com. Burnt Hills Optical was established in 1988 by Jean Bergstrom and continues as Jean had planned under the leadership of Kris Cameron. The principles of superb patient care and service on which Jean based her business remain unchanged. “We care for people - not just their eyes.”
3. Drink water throughout your day. This simple action is extremely beneficial. 4. Maintain your metabolism by eating a healthy snack or meal every three hours. This food should be unprocessed, low in fat and high in fiber. 5. Don't be afraid to ask for help. 6. Incorporate High Intensity Interval Training into your cardio workout. 7. Do not eat processed foods. These items are high in empty calories and contain a plethora of chemicals that are harmful to your health. 8. Fill your diet with lean protein and carbohydrates from plants and whole grains. 9. Be wary of products that are labeled as ‘health food'. Always read the nutrition labels. 10. Find a personal trainer to guarantee dramatic results. 11. Be consistent with your workouts. Exercise three to four times each week. 12. Eat lots of whole plant foods. Vegetables, fruits and whole grains are filled with fiber and antioxidants, vital for your good health. 13. Do your cardiovascular exercise after weight training to ensure more fat burn. Your stored sugars will be depleted during the weight training then your body will rely on fat stores to get you through the cardio workout. 14. Start each day with a healthy breakfast. You deserve better... go get it. If your New Year's Resolution has to do with losing weight and getting into great shape (and whose doesn't?) then guarantee your success by working with a fitness expert who can guide you to success. I'd love to team up with you - together we will transform your body in 2011! Call or email to get started today! 424-7878 or gina@precisefitnessandtraining.com to set up your free consultation.
IT WILL HAPPEN TO EVERYONE! It has been a long day. You were doing this and that feeling like you had no time to breathe let alone relax. You have fulfilled all of today's requirements. It's time for sleep. You snuggle in all cozy and warm and then it starts. Your partner sounds like a lawnmower. That is in excess of 70 decibels. You poke and prod them to no avail. Like second hand smoke, second hand snoring can both physically and mentally damage you. Snoring is evidence of an airway obstruction - a narrowing of the mouth and throat. It can be a sign of a far deadlier problem called obstructive sleep apnea, one of the most common sleep disorders. Sleep apnea is usually associated with loud or heavy snoring interrupted by pauses and gasps. Obstructive sleep apneas occur when the muscles in the back of the throat are not able to keep the throat open. This causes blockages in the airway and breathing interruptions called apneas. These blockages happen numerous times each night, even each hour and can not only disrupt sleep cycles, but also lower the level of oxygen in the bloodstream. Loud snoring affects everyone. Especially if it is loud enough to be heard through walls and floorboards. It disrupts everyone's sleep cycles. It can make everyone within earshot tired, cranky and exhausted. The lack of proper sleep and rest will decrease your ability to concentrate when you really need to. Your work and personal life can suffer long term. It can prevent you from getting that well deserved promotion! Frustration and irritability can keep your friends and family away from you because you are no fun to be around. There is help out there for all of you. The person who snores needs to be evaluated by a trained sleep specialist. The deadly condition called obstructive sleep apnea must be ruled out as a cause for this snoring. This obstructed airway must be opened this vibrating soft tissue must be silenced by either surgery or a mandibular repositioning device. There are dozens of mandibular repositioning devices out on the market but only a handful of them work without serious consequenses. All of them take the lower jaw and position it forward thus opening the airway. Some lock your mouth in position and can prevent your mouth from opening. This can be deadly, especially if the nasal cavity is obstructed by allergies, medications, or excessive overgrowth of the nasal bone or it's lining. A physical evaluation is done to confirm or rule out the presence of obstructive sleep apnea. The mouth and throat must be examined, and a polysomnography (sleep study) should be done at one of the local sleep centers. Recent clinical studies have shown that a proper fitting mandibular repositioning device (anti-snore guard) has been shown to stop snoring as well as significantly reduce mild to moderate sleep apnea. You should seek a dentist trained in sleep apnea conditions, as well as proper fit and titration of this appliance. A major referral source for such doctors is the American Academy Of Dental Sleep Medicine. This highly trained organization can be found at http://www.aadsm.org.
Roy Oyangen, DMD 399-4696 • www.oyangendmd.com Socha Plaza South • 113 Saratoga Road Glenville
Treating SAD Seasonal Affective Disorder
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Naturally
If you're experiencing mild depression, lack of energy, sleep trouble, and carb cravings, you might just be suffering from SAD or seasonal affective disorder. You're also likely not alone. Short days with little sunlight make SAD a somewhat common condition this time of year in some parts of the country, but there are a few steps you can take to treat and ward off this condition naturally: • Consider getting a light box. Thirty minutes exposure every day may be all your body needs to bounce back. There are several kinds on the internet, some are even portable. I have one on my desk right now! It has made an amazing difference on how I feel. • Eat healthy proteins at every meal and limit your carbs to the complex kind: whole grains, fruits, and veggies. • If exercising outdoors gives you the shivers, find an indoor alternative. • Add additional food sources of vitamin D to your diet to offset the loss of sunlight. Think fish -- cod, herring, sardines -- or milk and fortified cereal. • If it's in your budget, get out of town and go someplace sunny.
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STAYING HEALTHY WITH DR. TIM MAGGS This is the 6th article of my 6 part series
6.) CONCERNED PARENTS OF YOUNG ATHLETES™ PROGRAM All athletes have biomechanical imbalances, as seen in Fig. 1. This is known as your Structural Fingerprint®. Regardless of whether there are symptoms or not, these imbalances are precursors to current and future injuries. All imbalances originate in the feet.
High school athletes are never looked at until they become injured, which is reactive care. These young athletes must also undergo a preseason physical examination, however, this is mostly a medical exam (checking eyes, ears, nose and throat). The only biomechanical test performed during these exams is a cursory check for scoliosis. Figure 1 When I worked with the New York Giants and consulted with the Chicago Bulls, these two teams used a conditioning pyramid that guided them in preparing players for the season. Every player had to pass 6 tests (anaerobic capacity, body composition, joint mobility, strength endurance, core strength and aerobic capacity) before they were allowed in the weight room. In our middle and high schools, young, growing, biomechanically imbalanced kids are entering the weight room every day with no one screening them for the imbalances and weaknesses that will dramatically impact their future. Our Concerned Parents of Young Athlete’s™ Program encourages all middle and high school athletes to go through a comprehensive biomechanical exam (The Structural Fingerprint™ Exam) at NO CHARGE and NO OBLIGATION. This information will provide a blue print of a young athlete’s biomechanics with a full report of findings and recommendations. The Structural Fingerprint® Exam is the most comprehensive biomechanical testing available anywhere in the country today, and is designed to detect biomechanical faults. Once performed, a customized corrective program is recommended. The Test consists of: . Center of Gravity Test . Foot/Knee Exams . Stability Test . Leg Length Tests . Digital Foot Exam . Joint Mobility Tests . Standing Biomechanical X-Rays . Muscle Balance Tests Call today to schedule this examination for any middle or high school athlete.
The invisible man married the invisible woman; their children aren't much to look at.
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The Wright brothers' historic flight covered a distance less than the length of today's Space Shuttle.
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y’s See Am ad on ! Page 26
Like a good neighbor, Amy Aldrich is there!
123 Saratoga Road Socha Plaza Glenville 384-2692 Since June 1, 2008 Amy Aldrich has owned her State Farm Agency located in Socha Plaza, Glenville. Her career with State Farm started long before that, holding several mid-management positions for 15 years prior to launching her agency. Ironically her last position was manager of the recruiting department handling the entire Northeast; from Pennsylvania and New Jersey and north to Bangor Maine. With a growing family the travel becoming less enticing, Amy decided to stay closer to home and recruited herself to become an agent here in Glenville! Her experience is what makes Amy stand out from the rest. Her vast knowledge of State Farm's internal workings allows her to guide her policy holders and investors to build custom plans to fit their specific needs. State Farm is a mutual company, meaning decisions are made for what's best for the policy holder's not the stockholders; she prides herself on her personalized relationships that deliver without having to dial a 1-800 number. When it comes to the Auto, Home, Life, Health, Business Insurance, Banking and Mutual Funds; Amy knows State Farm's offerings inside and out. Her agency employs 2 full time employees and 1 part time employee. Her office is professional and comfortable. When you walk through her door you are greeted immediately and you can feel the harmony of the people who work there. Amy's years of management experience and dealing in the
business world has given her the ability to build her team and create an environment that is fun and upbeat, yet professional and detail oriented. She is a great relationship builder and truly loves her community and what she does. As if running an agency and raising 2 young children is not enough Amy is the Vice President of the Schenectady Kiwanis, Treasurer of the Glenville Business and Professional Association, Member of the Burnt Hills- Ballston Lake Professional Association and immediate past PTA President of Steven's Elementary School. Her involvement in the community and dedication to her family and business comes from the heart. I have had the pleasure of doing business with Amy for over a year now and she always takes the time to sit with me and discuss her plans for the future. She also shares her business knowledge with me to help me grow Your Hometowne. As busy as she is, Amy is never selfish with her time. State Farm's Mission Statement is as follows: Our mission is to improve the lives and futures of our customers, and the community at large, by offering the products and services that best suit their insurance and financial services needs, one relationship at a time. Amy Aldrich fulfills the mission and beyond. My respect for her as a business woman, mom and trusted advisor is immense. You will not be disappointed if you chose Amy and her team to handle your insurance and investment needs.
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ARE YOU TAKING ADVANTAGE OF A ROTH IRA? By Amy M. Aldrich, State Farm® Agent Simply put... contributing to a Roth Individual Retirement Account (IRA) may be a smart money move. The question then is...are you taking full advantage? The benefit of contributing to the Roth IRA is the money you put into one of these accounts grows tax free and distributions may be made tax free.1 If you haven't opened a Roth IRA, do it now. You have until your tax deadline (typically April 15) to set up an account and make contributions for the previous year. Annual contributions are limited; currently the maximum amount is $5,000.2 That means you can invest $5,000 for 2010, giving you a solid start to your savings. If you're just starting to invest, the Roth IRA should be one of your first options – even before you open a regular, taxable account or contribute to a workplace retirement savings plan. The only exception is if your employer offers a match on your 401(k) contributions. That's free money you don't want to pass up. You can invest in both a Roth IRA and a workplace retirement plan. Not sure where to find money to fund your account? Consider investing your tax refund. The amount could be a great start for funding a Roth IRA. There are specific income restrictions for contributing to a Roth IRA. Contributions are limited and based on the taxpayer's filing status and Modified Adjusted Gross Income (MAGI). When the taxpayer's income exceeds the eligibility limits for contributing to a Roth IRA, an eligibility phase out period begins. For 2011, the MAGI phase out range for contributing to a Roth IRA is: • At least $169,000 but less than $179,000 for a married couple filing a joint return or a qualified widow(er) • At least $107,000 but less than $122,000 for a single individual or head of household • Less than $10,000 for a married individual filing a separate return Your exact contribution amount can be calculated using the worksheets found in Publication 590 on the IRS Web site at www.irs.gov. 1 Withdrawals are tax-free if you're over age 59•• and at least five years have expired since you established a Roth IRA. Otherwise withdrawals of gain may be taxable (unless the withdrawal is “qualified”) and may be subject to a 10% tax penalty. 2 An individual can contribute up to $5,000 (or 100% of earned income, whichever is less) for tax year 2011. If you are over age 50, you are allowed to make additional catch-up contributions of $1,000 for tax years 2010 and 2011. Your adjusted gross income may limit your contribution amount.
Amy M. Aldrich • 123 Saratoga Road Glenville, NY 12302 518-384-2692 • www.amyaldrichagency.com
The man who invented lifesavers made himself a
mint.
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PADGETT PATHWAYS Happy New Year! As the calendar turns, it's time to refocus and recap your financial situation, as the income tax deadline looms. My name is Joe Sangaline and along with my wife, Amy, we own the local Padgett Business Services franchise. Please check us out when you are online! We want to share with you our new web site: www.padgett-capitaldistrict.com. This month's article will highlight the Small Business Health Care Credit, the Social Security Tax and Nanny Tax, the 2001 Standard Mileage Rates, and the Changes to Flexible Spending Arrangements. Please feel free to contact us if you have a questio, email j_sangaline@smallbizpros.com or call 348-1666. Small Business Health Care Credit The Affordable Care Act provides for a small business health care tax credit designed to encourage small businesses to offer health insurance coverage to their employees for the first time or maintain coverage they already have. In general, the credit is available to small employers that pay at least half of the premiums for single health insurance coverage for their employees. For tax years 2010 to 2013, the maximum credit is 35 percent of premiums paid by eligible small businesses. The maximum credit goes to smaller employers -- those with 10 or fewer full-time equivalent (FTE) employees -- paying annual average wages of $25,000 or less. The credit is completely phased out for employers that have 25 or more FTEs or that pay average wages of $50,000 or more per year. Eligible small businesses will first use Form 8941 to figure the credit and then include the amount of the credit as part of the general business credit on its income tax return. Social Security Tax and Nanny Tax The Social Security Administration has announced that the wage base for computing the Social Security tax in 2011 remains unchanged for the third year in a row at $106,800. The first $106,800 of employee wage income for 2011 will be subject to FICA tax at a rate of 15.3% (combined employer and employee shares). Wages above this threshold will be subject to the Medicare tax of 2.9% (combined employer and employee shares). The Self-
employment (SE) tax applies at the same rates on the same amounts of SE income, and there will be no upper limit on the income subject to the 2.9% tax rate. The Social Security Administration announced that for 2011, cash payments for domestic service in the employer's private home are not FICA wages if the amount paid is less than $1,700 (unchanged from 2010). 2011 Standard Mileage Rates Beginning January 1, 2011, the standard mileage rates for the use of a car will be: • 51 cents per mile for business miles driven • 19 cents per mile driven for medical or moving purposes • 14 cents per mile driven in service of charitable organizations. You may not use the business standard mileage rate for a vehicle after taking depreciation or after claiming a Section 179 deduction for that vehicle. In addition, the business standard mileage rate cannot be used for any vehicle used for hire or for more than four vehicles used simultaneously. When the vehicle is initially placed into service, you have the option of calculating the actual costs of using that vehicle rather than using the standard mileage rates. Changes to Flexible Spending Arrangements Effective Jan. 1, 2011, the cost of an over-the-counter medicine or drug cannot be reimbursed from Flexible Spending Arrangements or health reimbursement arrangements unless a prescription is obtained. The change does not affect insulin or other health care expenses such as medical devices, eye glasses, contact lenses, co-pays and deductibles. The new standard applies only to purchases made on or after Jan 1, 2011, so claims for medicines or drugs purchased without a prescription in 2010 can still be reimbursed in 2011, if allowed by the employer's plan. A similar rule goes into effect on Jan 1, 2011 for Health Savings Accounts (HSAs), and Archer Medical Savings Accounts (Archer MSAs).You and your employees should take these changes into account as they make health benefit decisions for 2011. Padgett Business Services is dedicated to meeting the tax, government compliance, profit & financial reporting and payroll needs of businesses with fewer than 20 employees in the retail and service sector of the economy. This publication suggests general business planning concepts that may be appropriate in certain situations. It is designed to provide complete and accurate information to the reader. However, because of the complexities of the tax law and the necessity of determining whether the material discussed herein is appropriate to your business, it is important you seek advice from your Padgett office before implementing any of the concepts suggested in this article.PENALTY NOTICE: As required by U.S. Treasury regulations, you are advised that any written tax advice contained herein was not written or intended to be used (and cannot be used) by any taxpayer for the purpose of avoiding penalties that may be imposed under the Internal Revenue Code.
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Chuck Roast with Onion Gravy
Braised Beef Short Ribs
1.1 ounces all-purpose flour (about 1/4 cup) 8 (2 1/2-ounce) beef short ribs, trimmed by Garafalo's expert butcher shop 1 teaspoon kosher salt 1/2 teaspoon freshly ground black pepper 2 tablespoons olive oil 1/3 c diced carrot 3/4 c diced onion 1/4 c chopped leek 1/3 c diced celery 1/4 c veal demi-glace 1 garlic clove, minced 3 fresh thyme sprigs 3/4 c hot water 2 bay leaves 1/2 c dry red wine Thyme sprigs (optional) 3/4 c hot water 1/4 c veal demi-glace 1/2 c dry red wine 10 whole black peppercorns Trim fat from beef. Season beef on all sides with Serve this hearty winter dish over mashed salt and pepper. In a 5-quart Dutch oven brown potatoes. Preheat oven to 350°. Place flour in beef on all sides in hot oil. Remove beef from a shallow dish. Sprinkle beef evenly on all Dutch oven and set aside. sides with salt and pepper; dredge in flour. In same Dutch oven cook onions over medium Heat a large Dutch oven over medium-high heat 4 to 5 minutes or just until edges begin to heat. Add oil to pan, and swirl to coat. Add brown. Stir in garlic; cook 1 to 2 minutes or until beef to pan; sauté for 8 minutes, turning to fragrant. Place beef on onion mixture. Add coffee, brown on all sides. Remove beef from pan. tomatoes, and mole sauce. Bring to boiling. Add diced onion, diced celery, diced carrot, Reduce heat and simmer, covered, 1 1/2 to 2 and chopped leek to pan; sauté 5 minutes, hours or until beef is tender. stirring occasionally. Add garlic; sauté 1 min, stirring frequently. Place peppercorns, 3 thyme sprigs, and bay leaves on a double layer of Garofalo’s has a full Butcher Shop cheesecloth. Gather edges of cheesecloth offering fresh cut selections daily together; tie securely. Place herb and spice as well as fresh produce, bundle in pan; return beef to pan. Dissolve cheeses, pasta’s and demi-glace in 3/4 c hot water, stirring well. Add tomato products. demi-glace mixture and wine to pan; bring to a boil. Cover and bake for 2 1/2 hours or until All the custom spices such as the beef is fork tender. Remove beef from pan; “Essentials, Mediterranean and strain cooking liquid through a fine-mesh sieve Good Stuff” blends used in their over a bowl. Discard solids. Serve cooking recipes are available liquid with beef. Garnish with thyme sprigs, exclusively at Garofalo’s Market. if desired. 2 1/2 to 3 lb. Boneless beef chuck pot roast from Garafalo's 1 teaspoon salt 1/2 teaspoon Ground black pepper 1 tablespoon Cooking oil 2 medium onions cut in wedges 3 cloves garlic, minced 1 c brewed coffee 1 14.5-oz. can diced tomatoes from Garafalo's 1/4 c bottled mole sauce (in the Mexican food aisle)
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Pork Shoulder Roast with Sauerkraut 1 can Sauerkraut (14.5 ounce) with caraway seeds, rinsed and drained 1 boneless Pork shoulder roast or Pork sirloin roast (2-1/2 pound) from Garafalo's Salt Black pepper 2 tablespoons Dijon-style mustard 1 c beer Place sauerkraut in a 3-1/2 or 4-quart slow cooker. Trim fat from meat. If necessary, cut meat to fit into the slow cooker. Lightly sprinkle meat with salt and pepper. Spread mustard over meat. Place meat on top of sauerkraut in cooker. Pour beer over the meat. Cover and cook on low-heat setting for 8 to 10 hours or on high-heat setting for 4 to 5 hours. Transfer meat to a cutting board; cool slightly. Slice meat, discarding any fat. Serve sauerkraut with meat. Makes 8 servings. Open-Face Pork Sandwiches Toast rye bread slices; spread one side of each slice with Dijon-style mustard. Arrange bread slices on a baking sheet. Using 2 forks, pull meat apart into shreds. Top each bread slice with drained sauerkraut, shredded pork, and shredded Swiss cheese. Place baking sheet under broiler 3 to 4 inches from the heat. Broil for 2 to 3 minutes or until cheese melts.
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HAPPY NEW YEAR AND OH, DON'T FORGET TO BREATHE! Can you believe that it has been one year that I have been writing this article for Your Hometowne? I remember that first call to Cheryll, trying to pawn off my so-called writing skills. I guess as you can see, it worked and ....the rest is history! With each New Year, we take a look back on what we did and we look forward to new beginnings. As I reminisce about the past, I realize I have come a long way. Not only in my health or my speech, but I have come a long way in my thinking. When I look back, I did realize I'd been holding my breathe all my life. Sometimes circumstance is thrust upon us and from that we change either by necessity or by choice. There were many times my body told me I could not do it, and yet a little voice inside me always said I could! I am glad I did not listen to that other voice. It did however make me notice that if my circumstance were different...would I have been here, doing what I do now and doing what I love??? People say that we are put here on God's green earth for a purpose, a dream, a hope or an aspiration. I do believe that as well. I will say that, I also believe that we have to help it along somehow or someway. It is up to us to run with it. And that is what I did! I sat down one day, knowing I didn't need a reason. I didn't need a new year to come to a resolve. I just needed to make a list, a "bucket list" as it were...AND to start breathing again! As I took the yellow lined paper and sat and stared at it for some time, I thought about what I wanted to do. I thought about what I wanted to see and mostly who I wanted to be. As I added to the list line by line...visit Greece, speak German fluently enough that every other word was not a German swear word and, of course on the list was to write. As the list grew and the paper filled up, the more I felt I was able to accomplish them. Maybe it was the mere fact that I had acknowledged the list and that I had wrote them down. I of course wrote it all in pencil because; well to be honest, I can change my mind on a whim. It did not matter if the list changed ten times, I knew I would work my way through it enjoying each moment as they came and to relish the feeling of shear elation as I marked each one off my list. I will ask you....have you been holding your breath your whole life? Take this opportunity by necessity or by choice to allow this to be your resolution to make your own "bucket list". Think about where you want to go, what you want to see and who you want to be. Our purpose here is to live the best life we can and by doing just that we inspire others to do the same. So what are you waiting for? Don't hold your breath! Get that paper and pencil out and start writing! As always, I wish you peace, joy and a very blessed New Year.... and don't forget to breathe in life! Pattie Rakvica • idriveaware@gmail.com
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www.frankandsonsbodyworks.com
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About our coverGrandson; Noah August Ives
Son of Bethany (my beautiful stepdaughter) and Justin Ives Noah is 9 months old and proudly sports the middle name of his Great Grandpa, August Wurster. A few of you may remember Wurster's Sporting Goods of Ballston Spa. Noah is the Great Grandson of Augie Wurster, one of the original entrepreneurs of this area. Augie's 3 sons all went on to be speed skating champions in the 1960's. John Wurster, Beths Dad, and yes, my ex but still my friend was the National Outdoor and North American Indoor Champion in the Senior Class (1976). Seven times National Team member; World Sprint Team member (1970); two times Olympic Team member (1968, 1972). He set one National Outdoor and one North American record. Ritchie Wurster, Noah's Great Uncle was National Long Track Champion as a senior in 1965, 1966 and 1975, and runner-up in 1970 and 1971. U. S. Open Long Track Champion in 1969 and 1970. North American Long Track Champion in 1971 and 1975. Set numerous national records at distances of 880 yards and longer. Member of U. S. World team in 1965 and 1968 and the U. S. Olympic Team in 1968. Dave Wurster, Noah's Great Uncle, also an excellent skater took a different path than his brothers and became a Boat Captain in Florida. Noah's Dad. Justin is an avid sportsman, loves to fish the local lakes and enjoys loving his family! Noah has sports in his blood- I know he will be a champion in his own way when he grows up! You have to admit he is gorgeous! ~Cheryll
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“The lion and the calf shall lie down together but the calf won't get much sleep." - Woody Allen
STAY TUNED With Paul Hill is off to a GREAT start. On New Year's Eve we were able to combine our annual tradition of watching the ball drop in Times Square from the comfort of our own home and attend a birthday celebration for one of our good friends, Glen Watkins at the Rollin' Stone. Angie (bartender and girlfriend of Glen) planned a surprise party complete with great food, outstanding music and as my wife saidshe was able to dance off some of those Christmas cookies! The band is called Cornerstone and the name says it all. A trio from Rotterdam, these guy's had my attention from the get go. Digging into the history bag, Cornerstone visited John Mellincamp, the Moody Blues and the Zombies with a rendition of “tell her no” that turned everyone's head. Not to be left out on the cold, Dell Shannon's' “ Runaway” had us all waxing melancholy, singing along as if it were 1961 all over again. It didn't end there, Bass player and vocalist Jeff Haines belted out Joe Cockers “Unchain My Heart “, then lead player Joe Whimple followed up with Chicago's “Only the Beginning”. One rarely hears anyone attempt Van Morrison, one of the most unique voices in the business; however Joe has Nan's voice nailed to the note. Kicking it up a notch later in the set, comfortably switching from an acoustic 12 string to the “fine china” a sweet Fender
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Stratocaster like mine; he handles the lead with ease. Jeff compliments the trio with harmony and a five string bass filling in the Rhythm with bass lines and chords, rendering a great blend and solid fill to the band. What really impressed me about this trio is that no one tries to outplay or dominate the other but make no mistake; Drummer Dana Lane is the Corner Stone and pulse of the group. Listening through headsets Dana guides the band with solid percussion
and chunky fills keeping it all in a tight pocket. Dana and Joe have been playing together for over 8 years in a band named Justice. They picked up Jeff about 6 months ago to form Cornerstone. This was only their third time out in public together, you would have never known by listening. Once again the Rollin Stone churned out another night of great local talent, proving YOUR HOMETOWNE is a great place to live. Stay Tuned...
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From the Andersons Family
I wanted to let you all know how grateful our family is with the incredible home improvements. Team Pena turned our house into a dream home. We are totally overwhelmed with the new bow window, the new bedroom windows and the important insulation which helps keep us warm! The fantastic fancy new door makes the house looks great. We want to recognize all of these incredible elves. Robert Pena, Judy Pena, Chris Pena, Lisa Pena, Charity Vogle, Rob Fish, Rob Marotta, Chris Halladay, Tom Fraley, Ryan Raymond,Chris Dingman, Jared Berggren and Todd Carkner. Thanks to everyone who helped behind the scenes. It's amazing! It is a dream come true. -Jeanne, Ray, Ryan, Michael, Jennifer Andersons
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Answers can be found on page 30
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hits the trails with the CHARLTON Here we sit with our sleds tuned up entering the New Year STILL waiting for a significant snowstorm! The one we just received as a late Christmas present is already melting and wasn’t really enough to begin with. The trails are waiting too, everything is ready to go. Our groomers are ready with a new drag recently built; all we need is the snow. If anyone has an “in” with the weather man, now is the time to drop the hint.
SNOWMOBILE CLUB Our 1st of the season snowmobile safety course was recently held and taught by Christen Zellucki. Depending on the demand, more courses may be scheduled. Once the trails do open, look for our club to be sponsoring rides. Information on sponsored rides and safety courses will be available on the Club web site www.Charltonsnowmobileclub.com or join us on Face book.
We are planning a second annual family fun day “let it snow” ceremonial bonfire at Bob’s Trees in Galway on January 20th. We sure hope that this year people can attend by driving there on the sleds. Bob’s Tree’s has good food at reasonable prices so everyone can grab a bite to eat and get a hot chocolate or a soda without breaking the bank.
For anyone interested there is a groomer show again at Salisbury Ridge Runners Club House Jan 14th and 15th. For now, let’s hope for some fresh snow so we can get out on the trails and ride! From all of us here at the Charlton Snowmobile Club, enjoy the season and ride safe!
34. A cap with no brim or bill 36. Annoyance 38. A financial inspection 40. 365 days 41. Came up 43. Undersides of feet 45. When it's clear, it's blue 46. Pass 48. Accord 50. Murres 51. VCR button 52. Picnic insect 54. Secret 61. Be in an agitated state 63. Prepare 64. Inspiration 65. Dwarf buffalo 66. Parisian river 67. Pledges 68. Transmit 69. Beer 70. Alternatively
ACROSS 1. Dry 5. 24 little hours 8. Website addresses 12. In front of 13. Bravery 15. Train track 16. Top of a house 17. Palm cockatoo
18. "Good going!" 19. Ubiquitous 22. Recent 23. Fifty-two in Roman numerals 24. Blunder 26. Shake 29. Emblem 31. 3rd person pronoun female 32. Skirt fold
DOWN 1. A type of hair style 2. Chamber 3. Press laundry 4. Desecrate 5. Have the nerve 6. "Oh, my!" 7. Bygone time
8. Ashes holder 9. Tropical woodland 10. Cooties 11. Killed 13. Smallpox 14. Slender and long-limbed 20. Panderer 21. Grave 25. Comply with 26. Not here 27. Determination 28. Utilize again 29. Piling 30. Porous 31. Resort 33. Bother 35. Attempt 37. Russian emperor 39. Belonging to this world 42. Majestic 44. Notices 47. Preserves, as pork 49. Dynamic 52. Fabrics made from goat hair 53. Not a single one 55. Region 56. Wood fastener 57. Eat 58. Graven image 59. Current event information 60. Lack of difficulty 62. Young boy
Answers can be found on page 30
JANUARY CROSSWORD PUZZLE
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JANUARY SCHEDULE 518-399-8174 E-mail: kdeangelo@sals.edu
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LIBRARY HOURS Monday -Thursday 10AM - 8PM Friday 10AM - 5PM Saturday 10AM - 2PM Closed Sunday ONLINE http://catalog.sals.edu or http://toblibrary.sals.edu YOUTH SERVICES http://toby.sals.edu E-mail: rdarling@sals.edu
The Library will be Closed on Monday, January 17th in honor of Martin Luther King, Jr. Day. Funding (SPAF) part of the Decentralization regrant program of the New York State Council on the Arts The January Meeting of the Library Board of Trustees will be held on Wednesday, January (NYSCA), administered by Saratoga Arts. 26th at 7 PM in the library community room. Meetings are open to the public and we hope to The Oakroom Artists will have art on display at see you there! the Town of Ballston Community Library from January The Winter 2011 schedules for computer classes and children's programs are now 4-27, 2011. A reception for the public will be held on available at the library and online at http://toblibrary.sals.edu and http://toby.sals.edu January 12th from 6:30-8PM. Students - come join us for refreshments and talk with the artists about their The Town of Ballston Community Library is proud to be one of the recipients of the work and professions in the arts. 2011 Saratoga County Program for Arts Funding (SPAF) Project and Artist Grants and Arts-in-Education Grants. The library will receive $1,850 for a program series titled "A Knitters, crocheters, and other yarn crafters are Computer Montage - Combining Art and Technology." invited to join our social crafting evening on February Working with artist Anne Francey and Technical Advisor Maryann Haskell, children and adults 2nd from 7-9PM in the library community room. will be able to create individual works of art reflecting a favorite book which will then be Please note that this is a new night of the week! scanned into the computer and put on a tile. The tiles will be made into a collage on a tabletop Sign up to receive our weekly e-news by going to in the main reading room of the library for all to enjoy. This is a unique opportunity for community members, both children and adults, to create art that will become part of a http://toblibrary.sals.edu or http://tobylibrary.sals.edu and putting your e-mail address permanent library display. Programs are planned for April, 2011. in the appropriate box. These programs are made possible in part with funds from the Saratoga Program for Arts
Thursday, January 13th 6-7:30pm Cat Mat Workshop - APF - 53 Maple Ave. Scotia Every cat deserves a mat and the APF uses thousands every year. Join us for a fun evening where you will learn three different ways of making cat mats, including a simple no-sew and two sewing methods. Children ages 8 and up are welcome with an adult. Please bring at least two yards of new fleece fabric, a needle, thread and scissors. If you have a portable sewing machine, bring it along. To reserve your spot, call (518) 374-3944, ext. 119.
Donate Your “Unloved” Jewelry to Help Shelter Pets by January 15th Help shelter pets by donating jewelry that you no longer wear. The Animal Protective Foundation (APF) is accepting donations of all types of jewelry for its 3rd Annual Tails of Treasure Jewelry Event through January 15, 2011.
Tails of Treasure will take place on Tuesday, February 9 from 4 pm to 8 pm at The Waters Edge Lighthouse, located at 2 Freemans Bridge Road in Glenville. The event will feature literally thousands of pieces of new and pre-owned jewelry, including vintage, costume, and fine jewelry, all priced to sell. If you have items to donate, please call 374-3944, ext. 119 or visit www.animalprotective.org for more information. All proceeds will support the APF’s adoption and spay/neuter programs.
Saturday, January 22nd 12-4pm Bottle and Can Drive - APF - 53 Maple Ave. Scotia If possible ... it makes things a lot faster and easier if you can do the following. If you can't, we will still gladly accept them. • remove caps from all bottles • separate cans, glass and plastic into different clear bags • separate recyclable water bottles • put items in clear plastic bags and write on outside the number of cans or bottles within
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GEEK TIP OF THE MONTH HOW TO USE IT… THAT IS THE QUESTION!
Answers from Kids Crossword Puzzle on page 27
Answers from Crossword Puzzle on page 28
Now that the holidays are over, I’m sure many of you purchased or received new digital cameras. How to use it…that is the question! Be sure to read the manual that came with your camera to understand all the basic features. After you have taken your photos you will then upload them to your computer. Once you have them uploaded, you can then share them with friends and family. One of the most popular ways to share digital images is by e-mail. You just write a message, attach or insert the image file, and send it to one or more recipients. There are two basic ways to include a photo in a message, as an attachment or as an insert. Almost all e-mail programs still have an Attach command somewhere on their menus. When you use this command, you then enter the name of the image file you want to attach, or browse to find it on your system. After you've attached the photo, you just click the Send command and the message with the attached photo is on its way. When an e-mail with an attachment arrives at the recipient's end, they can open the attachment to see the photo. The one big problem with attachments is that they can be used to spread viruses so many people have stopped opening them and some firewalls or filters block them. Instead of attaching a photo, you can insert it right into the body of a message. When the recipient opens the e-mail, the photo is displayed along with the text so there is no need to open an attachment. To create this enhanced form of e-mail, the e-mail program uses HTML, the same language used to layout and format Web pages. Since enhanced e-mail is such a popular way to send photos this feature is frequently integrated into programs you use to edit and organize your images. To insert a photo: Open a new e-mail and select the Insert > Picture command to browse your system for the image you want to send. After selecting an image, it's inserted into the e-mail and goes wherever it goes. The recipient sees the e-mail embedded in their message and can then save it to their own hard disk so they can print it. There is a certain etiquette to be observed when e-mailing photos, especially regarding file sizes and formats. Be sure to send images in a format, such as JPEG, that most e-mail programs support. Not only is it impolite to send too large an image (or too many images), they may also be blocked by an e-mail gateway somewhere along the route or by the settings on the recipient's computer. To make an image smaller, use a photo-editing program, such as Picasa from Google, to reduce the size to 640 x 480 or so, and increase compression. A smaller image will still look great on the screen. When you want to share your photos with the largest possible audience, you can post them on-line, such as Facebook or Flickr. Next month we’ll talk about Webcams and how to set-up and use them. Until next time…..safe computing!
Maggie Faltskog, Cheap Geek Computer Services, 399-8886
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Unique lunches and dinners. Offering simple dishes, originally conceived and authentically prepared.
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Home of Country Designs and Furnishings. The Americana Furniture and Accessories at the Charlton Shop will bring that feeling of warmth into any dĂŠcor.