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Alfred State prof brings real-world knowledge to the classroom

ALFRED — When examining Wayne Bensley’s career under a microscope, several things become evident: his knowledge and passion for the forensic science field and a strong dedication to his students.

Like so many other Alfred State faculty members, Bensley was employed in his field for many years prior to working at the college, where he now serves as an associate professor and chair of the Physical and Life Sciences Department.

He works now to pass on his realworld knowledge and experience in forensics.

Bensley’s own academic path began at Syracuse University, graduating in 1992 with a bachelor’s degree in chemistry. Two years later, he earned a master’s in forensic science from the University of Alabama at Birmingham.

In 1995, Bensley began working at the Indianapolis (Ind.) Marion County Crime Lab in Indianapolis, IN. “I was working as a chemist, so that means I was analyzing items that were seized that were suspected controlled substances,” he said. “My job was to determine if in fact what was submitted was a controlled substance, and if it is a controlled substance, what is it?”

From 1995 to 2007, Wayne worked at the

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Allegany County legislators: Slow down, change criminal justice reforms

OLEAN TIMES HERALD 716-372-3121 • BRADFORD PUBLISHING COMPANY

By BOB CLARK

Wayne Bensley (left) brought years of real-world experience with him when he joined the Alfred State faculty in 2007.

crime lab analyzing suspected drugs. In his last few years there, he moved to the trace evidence division, where he also analyzed blood from suspected drunk-driving cases and performed microscopic analysis of hair and fibers.

One of the aspects of his jobs that Wayne enjoyed the most was that no two days in a row were ever the same.

“Some days were very routine. We would get five or six cases of suspected marijuana or suspected crack and cocaine over and over. I saw those so many times,” he said.

“But then, I had a case where I analyzed almost a ton – 1,900 pounds – of marijuana that was seized. I had a

case where I analyzed chemist. It’s a small 12 kilos of cocaine. part in the whole big Their street value was case, but it’s critical to probably half a million something like that.” dollars. There were While he greatly some fairly high-profile enjoyed working as a cases in Indianapolis in forensic scientist in which I was analyzing Indiana, Wayne wanted evidence as part of that to be closer to his case.” family in Earlville, a Another favorite part small town in central of his job was serving New York. One day, the public, albeit in a he came across an way not many people opening for an assistant think about. professor position at “We were not trying Alfred State College. to ‘get the bad guy.’ It’s His wife, Julie, a not really what forensic math teacher, felt he scientists do,” he said. should apply for the job “Forensic scientists based on his ability to simply scientifically instruct others, whether analyze the evidence it was “teaching the that is presented to jury” while testifying in us. For example, if court or training police there was somebody officers in aspects of dealing drugs, they his job. would not be able to put “Basically, that got that person in prison See CLASSROOM on without the analysis page 2.... of the drugs by the

BELMONT — Allegany County legislators added their voices to the chorus calling for changes to bail and criminal discovery laws.

The Allegany County Board of Legislators approved a nonbinding resolution in December calling for delayed rollout of the state’s criminal justice reform package, which takes effect next week. The voice vote — no roll call was taken — drew some boisterous approvals from the legislators.

Under the changes, cash bail will be eliminated for the majority of misdemeanor offenses and nonviolent felonies — the most common crimes in the state. Law enforcement will be forced to turn over evidence much earlier in case timelines, at 15 days after arrest, compared to right before trial currently.

The information law enforcement must turn over was changed, with a long list of evidence to be automatically turned over, as opposed to the current system of defense attorneys having to ask for specific evidence.

Prosecutors and police have lambasted the law, claiming the public will be less safe as a result.

Defense attorneys, public defenders and criminal justice reform supporters claim the reforms will decrease jail populations, allow for better defense and lead to fewer plea bargains as those who may be innocent will have a better chance of pleading their case.

Legislator Mike Healy, R-Belmont, who is the county GOP chairman and a retired law enforcement officer, was critical of the Democratic Party-controlled state Legislature which approved the package.

“Every time I think the liberals in this state can’t do anything to negatively affect the state more, they prove me wrong,” Healy said. “Our state legislature is more concerned with giving illegal aliens driver’s licenses, giving felons the right to vote.”

While the new laws have drawn much criticism, the board did not ask for a complete withdrawal of the legislation, but a delay and changes.

In the resolution, recommended changes included: • Give judges the discretion to impose bail on certain lesser crimes.

• Increase the discovery timeline from 15 days to at least 45 days in order See REFORMS on page 2....

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Deputy sheriffs, corrections officers support Shop with a Cop Fund

Chelsea Leahy (left) and Kaitlyn Cooney have joined the physical therapy staff at Jones Memorial Hospital in Wellsville.

BELMONT — The Allegany County Sheriff’s Office continues its tradition of supporting the local Shop with a Cop program.

The department’s annual Beard for Bucks (BFB) program permits officers to grow beards from Oct. 1 through Dec 31, provided they make a donation to the department’s charitable efforts. Female officers participate in a 50/50

drawing.

This year’s BFB program resulted in a recent $1,400 gift to the Allegany County Area Foundation’s Shop With A Cop Fund.

“We really appreciate the generosity the sheriff’s office has shown to the Shop With A Cop program,” said Allegany County Area Foundation Executive Director Bruce Campbell. “Generosity

with resources in making donations like this and generosity with their time participating in the activities the fund supports, like the recent Foster Care Christmas Party.”

“We are happy that the foundation has taken over the Shop With A Cop fund, so we can continue to provide gifts to children who are less fortunate,” said Sheriff Whitney.

CLASSROOM Continued from front page...

me into the education Forensic Sciences, the field,” he said. “I had Northeast Association no previous desire to of Forensic Scientists, even be a teacher.” and the American Since joining the Society of Crime Lab Alfred State faculty Directors. On a personal in January 2007, note, he and his wife however, Wayne has are the parents of two grown to love being an children, Jennifer and instructor and guiding Sam. the next generation of Throughout his time forensics professionals. at Alfred State, Wayne Originally hired as an has taught a variety assistant professor, of courses focused Wayne has since been on chemistry and promoted to associate biochemistry, as well as professor, and in 2017, a course on professional he assumed the role as preparation. He has chair of the Physical also taught the senior and Life Sciences capstone and oversees Department. He is also all of the student the program coordinator internships. of the four-year forensic One of the biggest science technology moments in Wayne’s major. career as an educator Outside of the came in 2016, when classroom, Wayne has the forensic science served the college as technology program was a member of Faculty granted accreditation Senate, in addition status by the Forensic to being a member of Science Education several committees, Programs Accreditation including the Academic Commission (FEPAC).

Integrity Committee, At the time, it was one the Student Life of only 20 FEPACCommittee, and the accredited bachelorsearch committee level programs within for the new dean of the field nationwide.

Lorem“We ipsum the School of Arts knew that we had and Sciences. He is a really strong program also a member of the here, even though it American Academy of was young and small

REFORMS

Continued from front page... to give law enforcement and prosecutors more time and lower costs; • Phase in discovery reform over a twoyear period, as well as dropping the mandate for Vehicle and Traffic violations — the most common type of criminal

court case.

• Require that court appearance reminders are sent to victims, as well as defendants.

• Solicit input from victim advocate organizations for improving the laws.

According to the state

Division of Criminal Justice Services, around 12,000 people were in New York jails awaiting trial in November — the majority for misdemeanor offenses because they cannot afford to post bail.

A reduction in pretrial

incarceration would have a significant impact on local prisoner levels. In November, an average of 36 people per day were housed in the Allegany County Jail awaiting trial or sentencing, or 40.9% of the jail’s average daily population.

and not well-known nationwide,” he said.

“Having that FEPAC accreditation verifies that the work we had put into this program was up to the standards of the field. It was basically a stamp of approval that we are preparing our students when they graduate to be scientists working in the field.”

Seeing his students graduate and succeed in their careers, in fact, is what Wayne considers to be his biggest achievement as an education professional.

As his former students go on to work at crime labs in Erie County, New York City, and even Washington, DC, Wayne can’t help but take pride in knowing that he played a role in their success.

“To me, the biggest achievement we can have as educators is to see the students walk across that stage and then become productive members of society,” he said. “Just knowing that we are preparing them to do that, that’s the biggest honor we can have as educators.”

JAN 03 - 09, 2020

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JAN 03 - 09, 2020

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TAXES & LIFE PLANNING MONE

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Financial changes are a fact of life. Changes occur at every turn, including when students leave home for the first time, people get married and when families purchase their first home. One of the biggest financial changes occurs when starting a family.

Starting a family can come with a measure of sticker shock, particularly for young couples without much financial history. Since the 1960s, the costs associated with raising a family have risen

MANAGEME

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How finances change when starting a family

exponentially, says the financial resource MarketWatch. Between 2000 and 2010, costs rose by 40 percent.

Data from Money.com indicates that, as of 2015, American parents spent, on average, more than $230,000 on child costs from birth until the age of 17.

The U.S. Department of Agriculture says that today that number is closer to $245,000 per child, which does not include the cost of college. BabyCenter.com offers a cost comparison

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tool to help prospective parents get started on creating family budgets.

When mulling the cost of starting a family, prospective parents can ask themselves the following questions to get a handle on their finances.

• Can I afford bigticket baby items related to safety and comfort?

Items may include a new vehicle with high crash-test ratings, or renovations to a home to provide a safe nursery. If renovations are unlikely, then would-be parents may need to consider the costs of moving.

• Have I considered daily child expenses?

Diapers, formula, laundry detergent,

clothing for each stage of growth, and various other items are necessary when raising a child. Make a list of such items and their potential costs.

• Do I have adequate health insurance? Pew Research states that expenses for a delivery can range from $3,000

to upward of $37,000 per child for a normal vaginal delivery, and from $8,000 to $70,000 if a C-section or special care is needed. Consider how much your health insurance will cover and how much adding a child to a policy will increase your rates.

• Will I need daycare?

In order to afford added expenses, both parents may have to work.

BabyCenter.com states that a family’s average childcare costs are roughly $755 per month.

• Can I afford life insurance? Once you begin a family it is important for both parents to have a life insurance policy in place to provide for surviving family members in the event of an untimely death.

Couples who want to start a family can make the transition go smoothly by figuring out their finances before welcoming a baby into the family.

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Two physical therapists join Jones Memorial staff

Chelsea Leahy (left) and Kaitlyn Cooney have joined the physical therapy staff at Jones Memorial Hospital in Wellsville.

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Both state representatives for Allegany and Cattaraugus counties are a little taken aback at New York state’s estimated $6.1 billion budget shortfall.

Assemblyman Joseph Giglio, R-Gowanda, and state Sen. George Borrello, R-Bemus Point, point to the state’s generous Medicaid program as the reason for the budget shortfall.

“Something is structurally wrong with the Medicaid program to create a $6.1 billion deficit,” Giglio said. “We don’t know the depth of the problem and people don’t know the reason that caused the deficit.

Let’s find out what caused it and fix it.”

Giglio lamented that “the first thing out of a lot of people’s mouth was raise taxes” to make up for the shortfall. “It would be regressive to raise taxes. We are going to have to look structurally at the (Medicaid) program.

I’m sure the Health Department has an idea of what’s wrong. The Medicaid program has to be restructured.”

Giglio said, “The governor is floating everything but the deficit” in his pre-budget proposals. “Right now, Wall Street is booming” but that goes up and down.

Giglio said many of the governor’s proposals will end up in the State of the State address, but are “nothing more than thinly-designed campaign issues.”

One of the state’s biggest threats remains “the out-migration of its population, Giglio said.”

That is likely to mean a loss of congressional

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Wellsville native appointed Alfred University's chief of public safety

ALFRED — Jessica Middaugh has been appointed chief of public safety at Alfred University, effective Jan. 6. She has been serving as interim chief since Sept. 4.

Middaugh has been on the staff of the AU Office of Public Safety since 2015, when she was appointed as a full-time officer. As chief, she will oversee a staff of three full-time officers and eight part-time officers, as well as 12 student public safety officers and one office staff member. “(Middaugh) is dedicated and has the drive to keep the office moving in a positive direction,” said Del Rey Honeycutt, interim dean of students at Alfred. “In addition, she has a great skill set,

as well as the knowledge and care to thrive on a college campus. I truly look forward to working with her in this capacity and supporting her as she embarks on this new journey.”

Middaugh, a native of Wellsville, said she looks forward to moving AU’s public safety department forward and expanding its abilities to better serve the campus and community.

“We have a lot of new plans and trainings in place that are going to grow our department and also allow students and faculty to better interact with us,” she said.

Middaugh’s career in law enforcement began in 2012, as an officer and dispatcher with the Wellsville Village Police

Department. In 2015, she was appointed a public safety officer at Alfred and, a year later, was hired as a part-time officer with the Andover Village Police Department.

She served as a corrections officer with the Allegany County Sheriff’s Office from 2016-18.

She continues to serve part-time basis with the Wellsville and Andover police departments and as an animal cruelty investigator with the Allegany County SPCA. Middaugh graduated from the Chautauqua County Sheriff’s Academy in 2012 and earned an associate’s degree in criminal justice from Jamestown Community College in 2018.

State lawmakers taken aback by $6.1 billion state budget deficit

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seats after the 2020 census.

Borello, the former Chautauqua County executive who was recently seated in the 57th Senate District as the successor to former state Sen. Catharine M. Young of Olean, said, “We’ve known about the deficit for a bit, but it has grown.”

Borrello is looking at the deficit from the eyes of a longtime county legislator and county executive for the past two years. “The lion’s share of the deficit is Medicaid.”

He called the deficit “a self-inflicted wound of a bloated and corrupt system.”

The state has made it more difficult to prosecute Medicaid fraud, Borrello said.

On top of that, the state “doesn’t have a real good handle on finances.” The State Legislature, he said, is the last to know.

“When you are making the decisions, you are going to get smacked in the face with something like this.”

Borrello added: “The Legislature is in need of some responsible financial analysis. The state needs to run more like county government.”

To make up $6.1 billion in a $175 billion budget would take cuts of 3% to 4%, Borrello said.

One way to cut Medicaid would be to establish a residency requirement. “The purpose of Medicaid is to assist state residents,” Borrello said.

Also, Borrello said the Legislature should look into bringing New York’s Medicaid benefits into line with surrounding states, especially Pennsylvania, which offers fewer medical

State Sen. George Borrello (left) and Assemblyman Joseph Giglio.

services for the poor when compared to New York.

Removing some tax incentives for things that will probably happen anyway, like incentives for companies to film in New York City, would also save money, said Borrello, who indicated filmmakers are lining up to film in New York City anyway. That incentive is unnecessary in New York City, but it is needed for Upstate film shoots, he said.

Meanwhile, Borrello and Giglio oppose mandatory HVP vaccinations for seventhgrade students, which are being called for by Gov. Andrew Cuomo.

HPV, or human papilloma virus, is a virus that can cause some types of cancer.

“It should be up to the parents whether their children should be vaccinated against HPV,” Borrello said.

One reason for his opposition is the difficulty in obtaining valid medical exemptions.

“It’s impossible to get medical exemptions,” Borrello said, indicating doctors don’t want to come to the attention of the state Health Department over this issue. “This is a horrible government overreach.”

A new state law went

into effect in September requiring all students in public, private or parochial school be up to date on their vaccinations and eliminating the religious exemption.

Borello said he has talked with parents of children with allergies who face potentially severe reactions to vaccines. The proposed law requiring HPV vaccinations would make it difficult to obtain exemptions.

The HVP immunization requirements could come as part of the 2020 state budget, bypassing separate hearings and bills. It will also be coming before the Democrat-controlled Assembly and Senate with a Democratic governor.

Giglio said the HPV issue is an offshoot of the elimination of the religious exemption for childhood vaccinations. “(The Democrats) feel they can go to the next step, the ‘Nanny State,’ and tell parents what to do with their children,” Giglio said.

“I’m obviously going to oppose it.”

Giglio said he understands both sides of the HPV argument. “I’m not arguing the merits.

But you are taking the choice away from parents.”

6

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Purpose: Any Limited Liability Valley Central Park. Serious full time position in Resumes may all lawful purpose.

Company Law: The School invites the Inquires Only the Highway Dept. be sent to name of the limited submission of Call 716-557-2845 Required skills; opSchichtelʼs Nursery. liability company is: sealed bids on one LEGAL AD eration and mainApplicants must (1) new/unused util- Village Green Pub, Sealed proposals tenance of heavy e-mail resume to LLC. The date of fility vehicle with acwill be received by Legals equipment such as, mds@schichtels.co ing of the Articles of cessories pro cab, the Ceres Townpayloader, excavat- Nursery Workers m Att: Mark D Organization with v-snow blade and ship Board of SuWanted or, roller and CDL Schichtel, or fax BEST GOLD & the Department p of spreader. p Bid spep pervisors of McKp Employment dates p pl plow t k Must trucks.

M t resume to (716) SILVER, LLC SILVER State is August 21 2 , cifications can be ean County at 12 are as follows: be reliable and able be 592-4282. Call Application for 2019. The countty obtained from the Barbertown Road, October 5, 2019 t work overtime to 716 592 9383 or 716-592-9383 Articles of Organizwithin this State in Director of Facilit FacilitEldred, PA Eldred PA. 16731 16731, through th g h Nov. N 24, 24 along with along with willingwillingapply at apply at the the nearest nearest atti tion have been wh hich hi h th the offfi ffice off ies, Wayne untiilil 6:0 00PM PM on 1 2019. ness work out-• Andover Scio • to Belmont • Whitesville • Angelica • Alfred • Cuba • Belfast • Friendship • Rushford • Filmore • Houghton • Caneadea Department of filed with the the limited liability McGuire, on any October 2019, for Job order number doors in all weathLabor office or call Secretary of State company is located business day • from the following:• Allentown NY1311629 • Bolivar • Richburg • Little Genesee • Ceres • West Clarksville • Alma Portville er conditions. • Ulysses them at (877)466of New York on 7:00 am – 3:00 pm. is Cattaraugus. The 3000 ton 2RC Schichtel Nursery MINIMUM week. Must be hardworking and reliable.

Applications are available at: Cuba Cheese Shoppe, 53 Genesee St. Cuba, NY 14727 or send resumes to Sarah@cuba cheese.com

To place your ad: Call 716.372.3121 or email classifieds@oleantimesherald.com

Announcements Articles For Sale ATTENTION: Have you or a loved one used Juul or another e-cigarette vaping device & developed a serious health condition such as stroke, seizure, convulsions, lung damage, pulmonary issues including heart attacks? You may be entitled to compensation! Call 866-872-0776 Recently diagnosed with LUNG CANCER and 60+years old?

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the post office ad dress within this state to which the secretary of state shall mail a copy of any process against the limited liability company served upon it is: 311 N. Union St., Olean, NY 14760.

The business purpose is to operate a bar and restaurant.

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JAN 03 - 09, 2020

COMMUNITY

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CALENDAR Jan 7 Comprehensive Plan Public Hearing 7PM 8:30PM Alfred Village and the Town of Alfred will host a public hearing regarding the final draft of the Alfred Comprehensive Plan

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7:00PM BOLIVAR-RICHBURG HIGH SCHOOL

SUN JAN

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8092 RT. 19 • BELFAST, NY • 585-365-2013 Tue, Wed & Thu 9am–5pm • Fri & Sat 9am–7pm • Sun 9am–4pm

Jan 10 PWI Winter Blood Drive Wellsville Bible Church 2896 Andover Rd, Wellsville, NY Jan 16 Alfred Art Walk Alfred Art Walk is a collaborative monthly venture created by the galleries in the Village of Alfred and on the campuses of Alfred University and Alfred State College in an effort to foster dialogue within the local arts communities.

5PM - 8PM Jan 18 Hamar's Pub Party 8:30pm 19 N. Main Street, Wellsville NY Jan 18 Cricut Class Looking to learn how to use your cricut?

Sign up today for our first Cricut class. For $20, we provide all materials for your take home project. Bring your cricut and laptop to class.

112 North Main St, Wellsville, New 2PM - 4PM Jan 23 Alex Cole Solo Acoustic at the David A. Howe Library!

7PM - 9PM Jan 25 CB Motorsports Race Party CB Motorsports race party to benefit Brooke McClain, Codie Baker and Nick Brown $10 includes admission and chicken BBQ, there will be raffles, a Chinese auction and we are also selling tickets for a chance to win a 243 savage axis with a weaver scope, music and a cash bar will be available! Tickets available from all three drivers, Todd McClain, at Mama’s Smokin BBQ please join us for this event!

11AM ARE YOU PAYING OVER $1.749 A GALLON TO HEAT YOUR HOUSE WITH PROPANE? CALL TPS TODAY (TOLL FREE) 1-(877)-893-4328 EXT. 2080

The Bradford Era and the Olean Times Herald will be publishing COMMUNITY OF GIVING on January 23, 2020, honoring those individuals and organizations doing good deeds throughout the communities they serve.

We will be recognizing those selfless people who give back by doing so much to help those in need and contribute to the common good. What you do is of importance to our readership and very worth sharing.

Complimentary editorial of equal space will be given to those who purchase a full, half or quarter page ad in COMMUNITY OF GIVING. Your advertising message and editorial will be of great interest to our over 30,000 readers

If you would like to participate, please call your advertising sales rep to reserve your ad space.

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Ohio man charged in 3-county high-speed chase that ended in Allegany County WELLSVILLE — An Ohio man faces numerous criminal charges stemming from a high-speed chase that began in Chautauqua County and ended in Allegany County.

Chief Timothy J. O'Grady of the Wellsville Police Department said Dec. 23 that the department was notified at approximately 11:30 a.m. that day by the County 911 Center that a vehicle being pursued on Interstate 86 between Jamestown and Belmont may be traveling south on Route 19 into the village.

The suspect vehicle turned off of the Wellsville Arterial, where police had caught up to it, and became stuck in traffic at the stop sign on West Dyke and South Main streets. As police attempted to conduct a traffic stop, the vehicle "made an erratic maneuver" onto Main Street at a high rate of speed. Police decided not to pursue the vehicle "because of the suspect's disregard to the public's and his own safety," according to O'Grady.

A citizen's tipped the County 911 Center that the suspect vehicle may be parked at the dead end of North Main Street in a parking lot and that three people fled into the woods with suitcases. Upwards of 10 state police patrol vehicles were set up behind the ACCORD

Fir s $1 t Fil .49 l 9

Head Start building on North Main Street by Monday afternoon.

Three suspects were reportedly taken into custody by Wellsville Police around 11:30 a.m. O'Grady reports that two of the three suspects were released when they determined the identity of the driver.

Steven J. Lichtman, 44, of Trotwood, Ohio, was then charged with firstdegree reckless endangerment, a class D felony; thirddegree unlawfully fleeing police in a motor vehicle and seventh-degree criminal possession of a controlled substance, both class A misdemeanors; reckless driving, unclassified misdemeanor; failure to comply with the lawful order of a police officer; unlawful possession of marijuana and not having a controlled substance in the original container, both violations; and a number of traffic infractions.

Lichtman was also charged with numerous vehicle and traffic violations by New York State Police and Alfred Police Department and was found to have an active bench warrant issued from New York City.

Lichtman was arraigned in Wellsville Village Court and remanded to Allegany County Jail in lieu of $25,000 bail.

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7760 Rt. 417 W Bolivar, NY 14715

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Tracie D. Edwards HIS, COHC WE WELCOME YOU TO BRING ANY MAILER OR AD!

JAN 03 - 09, 2020

8

ALAN HILLS FLOORING

Owner & Broker: Patrick J. Sawyer Member, Greater Rochester Association of Realtors

18 Lower Jefferson St. Wellsville, NY 14895

585-593-6219 Fax:585-593-4518

www.SawyerRealty.com

Certified Senior Carpet Inspector Carpet & Floor Covering Sales Carpet & Upholstery Cleaning Carpet Repair & Restretching Water Damage Restoration Furniture Sales

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Accepting New Patients Large inventory

Tomasz Woloszyn, MD Primary Care

Creations Beauty Salon

Certified American Board of Internal Medicine Medical Arts Building 2223 West State Street, Suite 110 Olean, NY 14760

716.379.8920 Hair, Nails, Waxing 1323 Olean-Portville Rd, Olean NY 14706

woloszynmedical.com

585-567-8083 • 11577 Armison Rd Fillmore, NY 14735 Hours: Mon - Sat 8am-5pm • Closed Thur & Sun Owners Mr.&Mrs. Andrew Miller

Auntie Ems’ Attic

Hours: Mon.-Fri. 8 a.m. - 5 p.m.; Saturday By Appointment; No Sunday Sales.

Call 716.379.8139

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Antiques & Collectibles Vendors Wanted

Cook’s Tire &

— New Location at —

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814-558-8075 3453 Andover Road • Wellsville, NY

- Tires - Suspension - Monroe Shocks & Struts - Walker Exhaust Systems

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585.593.4130 or 585.593.1647

According to the U.S. Securities and Exchange Commission, questions can be an investor’s best friend, particularly when it comes to fees. Fees might be referenced in the fine print when signing an investment agreement, but they can be anything but small as a portfolio grows and accumulates more assets. The SEC notes that, over a 20-year period in which investors invest $100,000, 1 percent annual fees can reduce the size of a portfolio by as much as $30,000 (based on annual returns of 4 percent).

In such a scenario, an investor paying 1 percent annual fees and netting annual return of 4 percent would have a portfolio worth $180,000 after 20 years. However, an investor who pays just 0.25 percent in annual fees and invests the same amount of money while earning the same returns would have a portfolio worth roughly $210,000 after 20 years. When opening an investment account, the SEC advises investors to ask about the total fees to purchase, maintain and sell a given investment. In addition, investors are advised to ask if there are ways to reduce or avoid fees. The SEC also recommends that investors inquire if there are any ongoing maintenance fees related to an account and how much an investment has to increase in value before an investor can break even.

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Buyer of Standing Timber

Rt. 417 E. Andover Rd Wellsville, NY 14895

MON - FRI 8AM - 5PM SAT 9AM - 4PM

Treasures

Please send your requests and phone number to my address and I will call you back.

350 Hillcrest Road. Genesee, PA 16923

464 Collins hill Road, Ulysses, PA 16948

Dan Miller, Owner

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THREE ALLEGANY COUNTY LOCATIONS + ALLEGANY COUNTY JAIL

HOUGHTON

7PM–9PM THURSDAYS - Houghton Wesleyan Church 9712 State Route 19 - Lower Level | www.facebook.com/HoughtonCR catmo57@hotmail.com | (585) 567-8162

SCIO

7PM-9PM SATURDAYS - Knights Creek Church Includes The Landing for Struggling Teenagers 2987 County Road 9 | www.facebook.com/KnightsCreekChurch bps461@msn.com | (484) 435-0503

WELLSVILLE

7PM-9PM THURSDAYS - Yorks Corners Mennonite Church 3350 County Road 29 | www.facebook.com/CelebrateRecoveryYorksCorners gene@yorkscorners.org | (585) 593-3287

ALLEGANY COUNTY JAIL

7PM TUESDAYS - For Inmates Only. Family members and friends can encourage inmates to participate in Celebrate Recovery Inside while they attend Celebrate Recovery on the outside in order to learn more about how they can help someone before and after his or her release from incarceration.

FOR ADDITIONAL INFORMATION ABOUT CELEBRATE RECOVERY

www.facebook.com/CelebrateRecoveryAlleganyCounty and https://ppaccentral.org/celebrate-recovery FOR HELP WITH SUBSTANCE ABUSE AND OTHER LIFE ISSUES

1-877-8-HOPENY

CELEBRATE RECOVERY IS FOR EVERYONE!

www.wnycdc.com