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COMPLIMENTARY • SUMMER 2013


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WHY AND WHEN SHOULD I MAKE A LAST WILL AND TESTAMENT? Several years ago, a young man unexpectedly passed away after a tragic accident. It truly sent the family into not only an emotional tizzy, but many questions arose about his “estate”. He had recently built and mortgaged a home with his fiancée. They had not married before his passing. The land they had built on was originally his for many years prior to meeting his fiancée. His fiancée had sold her home to use her proceeds as capital toward the building project. While their finances were very much intertwined, there was no legal relationship between the two of them recognized by the State of New York at the time he passed away. Luckily, they were both now on the deed and the mortgage. Prior to the building project, the young man had executed a deed to himself and his fiancée as “joint tenants with the right of survivorship”. That meant the house automatically passed title to his fiancée without needing to go through probate in the Surrogate's Court. So, the real property was all set, but that left other questions. He had recently revised his life insurance and death benefits to name his fiancée as beneficiary. Those polices then automatically passed to his fiancée without the need for probate. Therefore, all that was left to take care of was personal property. The deceased young man had accumulated many “toys” in his young adult life: boat, race car, highly encumbered (debt) truck, snowmobiles, trailer, tools, guns, etc. All of that personal property was part of his estate. Legally speaking, since there was no will, distribution of his property should have been governed by the laws of the State of New York. Intestacy is when a person dies without a valid Will. The New York State law sets forth the order in which to follow to distribute that decedent's (the person who passed away) property that which was owned by the decedent individually at the time of death. Following is the portion of the intestacy laws of NYS that defines the order in which such property shall be distributed: Estates, Powers, and Trusts Law 4-1.1 EPTL 4-1.1: Descent and distribution of a decedent's estate EPTL 4-1.1 Descent and distribution of a decedent's estate The property of a decedent not disposed of by will shall be distributed as provided in this section. In computing said distribution, debts, administration expenses and reasonable funeral expenses shall be deducted but all estate taxes shall be disregarded, except that nothing contained herein relieves a distributee from contributing to all such taxes the amounts apportioned against him or her under 2-1.8. Distribution shall then be as follows: (a) If a decedent is survived by: (1) A spouse and issue, fifty thousand dollars and one-half of the residue to the spouse, and the balance thereof to the issue by representation. (2) A spouse and no issue, the whole to the spouse. (3) Issue and no spouse, the whole to the issue, by representation. (4) One or both parents, and no spouse and no issue, the whole to the surviving parent or parents. (5) Issue of parents, and no spouse, issue or parent, the whole to the issue of the parents, by representation. (6) One or more grandparents or the issue of grandparents (as hereinafter defined), and no spouse, issue, parent or issue of parents, onehalf to the surviving paternal grandparent or grandparents, or if neither of them survives the decedent, to their issue, by representation, and the other one-half to the surviving maternal grandparent or grandparents, or if neither of them survives the decedent, to their issue, by representation; provided that if the decedent was not survived by a grandparent or grandparents on one side or by the issue of such grandparents, the whole to the surviving grandparent or grandparents on the other side, or if neither of them survives the decedent, to their issue, by representation, in the same manner as the one-half. For the purposes of this subparagraph,

issue of grandparents shall not include issue more remote than grandchildren of such grandparents. (7) Great-grandchildren of grandparents, and no spouse, issue, parent, issue of parents, grandparent, children of grandparents or grandchildren of grandparents, one-half to the great-grandchildren of the paternal grandparents, per capita, and the other one-half to the greatgrandchildren of the maternal grandparents, per capita; provided that if the decedent was not survived by great-grandchildren of grandparents on one side, the whole to the great-grandchildren of grandparents on the other side, in the same manner as the one-half. (b) For all purposes of this section, decedent`s relatives of the half blood shall be treated as if they were relatives of the whole blood. (c) Distributees of the decedent, conceived before his or her death but born alive thereafter, take as if they were born in his or her lifetime. (d) The right of an adopted child to take a distributive share and the right of succession to the estate of an adopted child continue as provided in the domestic relations law. (e) A distributive share passing to a surviving spouse under this section is in lieu of any right of dower to which such spouse may be entitled. In this young man's case, since he had not married his fiancée, and he had no children (“issue”), his surviving parents stood to inherit all of their son's personal property. Of course, that brought up a whole slew of emotions for the parents who just survived their child, who left a fiancée in a newly built and mortgaged residence. What was fair? What would this young man have really wanted to happen to his things? Would he have wanted his family to have these things, maybe his friends, or fiancée? Who was responsible to sort this out? I give you this example to urge you to review your estate planning, whether you have one asset or millions of dollars' worth of assets, so that you will not leave it for your grieving family members to try to guess at what you would have wanted. This young man's family still grieves today over not knowing whether they did the right thing. It would be my hope that you would take the simple steps immediately to fulfilling a Last Will and Testament and preparing for the inevitable, whether it happens tomorrow or eighty-years from now. It should be noted, many people believe they can just leave a letter of instruction, leave a video, or find a cheap way online to create a Will. BEWARE, NYS law requires that a Last Will and Testament be a written document, executed and witnessed in the proper legal fashion. It is highly recommended that you seek legal counsel to assist you in properly preparing and executing a valid Last Will and Testament that will be accepted for probate. Otherwise, an improperly executed Last Will and Testament, or a letter of instruction, will be rejected as if you never left your wishes at all, and likely could, dependent on your circumstances, subject your estate to the intestacy laws of New York State which could be highly contrary to what you had intended. A Last Will and Testament can be simple or as intricately detailed as you wish. Please seek counsel regarding your wishes and how to properly account for distribution of your assets after your passing. Your Will is a document that can be revoked or amended in the future as your circumstances change and should be reviewed as time passes. This is your legacy; don't let time get in the way of leaving this important document of your wishes for your family or loved ones. DISCLAIMER: This is not attorney advertising. This is solely a snap-shot of issues revolving around intestacy and is not meant to be comprehensive. Nothing herein is legal advice or establishes an attorney-client relationship. All readers are encouraged to seek legal counsel regarding their own estate planning needs.

Katherine L. Hentnik, Esq. Associate at PERSING & O'LEARY, LLP 10 Century Hill Drive, Ste 3, Latham, NY 12110 (518) 860-1444 x11


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SUMMERTIME! Summertime is here… sunshine and great times with friends… scrap and junk removal. Okay so Haiku is not our strong point, but we're working on it - when we aren't busy working for you! (Editor's Note: Eddie Haskell helped us with that last line). Summer is perfect for relaxing and taking some much needed vacations, but before you get too comfortable… it is also a good time to clean up around your home or office to make way it safer for grilling, swimming in the pool, sipping a cold beverage of choice or just hanging around catching some rays with friends without having to worry about anything else. A lot of our customers have been calling us up for assistance with cleaning out garages and basements as they start bringing up the coolers and setting up the lawn furniture. All this rain has really helped the grass grow and people are discovering that their old mower just isn't cutting it anymore (wow, some puns just write themselves). And what is worse than finally bringing some nice steaks out to the deck only to find the mice have turned your grill into another Motel Stinks? Maybe it is also a good time to get rid of that leaning trampoline in the backyard, I mean, the kids have been in college for 2 years now. This way you will be able to see your garden again while you sip your morning coffee, instead of having flashbacks of watching your kids smack their heads together trying to attempt a side twisting reverse double pike with full tuck at the same time. We can help! Scrapster is the Capital Region's premier NO COST scrap metal and appliance pick up and recycling service. Additionally we are a New York State DEC approved location for business or personal computer, monitor, TV, printer (and cartridges), and all other types of electronics recycling. We also offer LOW COST junk removal, television removal and clean outs. We are convenient, reliable and insured. Everything is properly recycled, disposed of or donated. Scrapster will remove the items from exactly where they are located-you don't need to do a thing. “Don't Worry…We Can Take It!”SM Vincent Coppola, Owner of Scrapster Scrap Metal Removal/Recycling Service Please call us anytime at (518) 505-5055. Please also visit our website at www.scrapster.com for news, tips and information about recycling.


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50% OFF ENTRテ右 On Your Birthday Purchase One Entrテゥe and Receive One 50% Off Dinner on your Birthday. 50% off entrテゥe must be of equal or lesser value than other entrテゥe purchased. Valid on parties of two or more. Actual date of birthday only.

With this coupon. Expires 8/31/13 Does not include private parties. Main dining room only. Proper ID required. Not valid with any other offers.


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1082 Rte 9 • Latham 518-783-5117 • www.pinkdogparlor.com Periodontal disease is as much, if not more, of a problem in our pets than it is for humans. It all starts when bacteria collects after eating a meal. Within 24 hours, this becomes plaque, which is easily removed by brushing. If it remains on the tooth, it becomes a hard, calcified substance known as tartar. This tartar can build on on the tooth and under the gum line causing periodontal disease. Pain, swelling and bleeding gums are all some of the symptoms. There are even recent studies making a link between gum disease and heart disease. As pet owners, we are all looking to improve and maintain the health of our pets. Here are some things you can do to prevent tartar build up in your pet. First, avoid foods and treats filled with carbohydrates and sugars. Our pets don't need them in their diets. Second, use a gel, spray or water additive that softens the plaque. There are many on the market that are very effective. After using one of these products, feed your pet raw, meaty bones. The bones are hard enough to scrape away the softened plaque and contain no carbohydrates or sugars. Just make sure to use raw bones, as cooked bones can splinter are dangerous to consume. If you are concerned about bacteria, you can always feed them outside, in a crate or in a contained area. It has the added benefit of hours of chewing fun!

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WHY WOULD I NEED AN “UMBRELLA POLICY”? I am often asked insurance questions in the course of protecting clients here is one example: via e-mail. Dear Customer, Here is a quote for your boat. A personal umbrella might also be a good idea just in case of an accident, the umbrella would extend to your home and auto as well. Steve, I am not sure I get it. Forgive me for not knowing the difference… why would I need an “umbrella” policy on the boat if I can get $113 dollar insurance coverage on it? Dear Customer, Example #1: Let's say your wife is distracted while driving the Escalade because the kids are yelling on the way to soccer practice. She turns around (no longer looking at the road) to tell them to behave, this causes her not to see the traffic light ahead turn yellow then red. While running a red light she sideswipes a Honda Civic killing 3 teenagers who were crossing the intersection legally. Without an umbrella policy the insurance company will pony up $300,000 in legal defense and settlement to the teen's parents, the limit of your auto policy; you will be on the hook for all additional settlement money required. With an umbrella when the auto policy is exhausted the umbrella kicks in giving you an additional $1,000,000 in coverage to help pay any expenses related to the claim. Example #2: While burning bees out of the old stump on your property using gasoline. You pour more gasoline on the stump because the fire looks like it went out. You get a big surprise when as you are pouring the gas on the stump the second time as it flairs up. Instinctively you throw the gas can in hopes of not getting burned. The gas can fly's 20 feet and hits your neighbor's 8 year old son; soaking his clothes in burning gas. This kid just 10 seconds earlier thought you were a genius. The neighbor kid spends the rest of his life getting

skin grafts as he grows and is disfigured by the burns to his neck face and chest. The umbrella will pay in addition to your home owner's liability policy to help the child try to live a normal life. Example #3: While out boating on Saratoga Lake your kids decide they want to go tubing with their friends and you are the driver. At first you say no because you're a little tired from baking in the sun all day. The boat has been parked for hours in that sandy bay area where everybody wades around from boat to boat socializing. The kids keep asking and asking and asking, finally you think what the heck a quick lap around the lake and they will leave you alone. Your wife climbs on your friends boat because going around in circles makes her sick. But lucky for you your buddy is willing to spot the kids and decides to ride along. Great! You get everything set to go; cruise out to the middle of the lake, a nice safe spot to flip those little swamp rats with the wake. You get the kids in the tube and hit the throttle. While making circles you lose your balance because you are dehydrated and fall overboard. Your buddy does not hear you yelling because the outboard motor is whining at 4000rpm and anyway he is laughing his butt off as the kids are flying at brake neck speed through the wake. You watch as the boat heads into the sandy bay running over waders and hurtling your buddy out of the boat as it hits the flotilla of social boaters. The State police are pulling the last of the mangled waders out of the water just as you finally make it back; swimming from the middle of the lake. Thankfully you were convinced to buy the umbrella policy by the first 2 examples and are properly insured for incidents just like this one. Now you know, Steve The Lyden Group LLC • Insurance Agency 282 Ushers Road • Clifton Park (518) 877-7018 • info@lydengroup.com


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HEALTH INSURANCE CORNER Long gone are the days in the health insurance industry where you have “down-time”. Summer time used to be the slowest time of the year because it was months after as well as months before the hustle & bustle of January open enrollments. So it was a time when health insurance people could catch up on things they had to set aside because they were too busy, and July was always a great time to take a week off and relax by the shore to reenergize!! These days however there is NO down-time, it's just one continuous crazy-busy time and if I take any time at the shore, you can be sure that my computer will be with me!! Fortunately for me I love it (but unfortunately for me, my husband doesn't!) As The Affordable Healthcare Act gets closer to it's initiation date of January 1, 2014, there is much more to learn and much more for me to explain to my clients all of who are very anxious about this new process, as I am sure many of you are as well. So please stay tuned to OUR TOWNE for updates each month. This month I wanted to touch on penalties because this is something brand new for all of us and it's very confusing! I am here to help anyone in any way that I can, so if you have questions please feel free to call me. But here is the lowdown on penalties. For small groups (2-50 employees) there are no penalties imposed for companies not offering health insurance. Small employer groups are not required to offer health insurance in the upcoming year. For large groups (51+) they must offer health insurance to their full time employees, and it must be “affordable”. This means that the employees contribution to the premium cannot exceed 9.5% of their earnings. It is broken down by 2 different penalties, 1) For the employer who does not offer coverage at all to their full time employees, the penalty to the employer could be $2000 per full time employee (minus the first 30 which are waived). 2) For the employer who offers coverage, but it is not affordable or does not meet the guidelines, the penalty could be $3000 per employee that accesses the exchange. For individuals for 2014, the penalty is $95 individual adult, $47.50 per child and up to $285 for a family. In 2015 it will increase to $325 per adult, $162.50 per child and up to $975 per family. In 2016 it will increase to $695 per adult, $347.50 per child and up to $2085 per family. Everyone is going to need help with this as this is a whole new world for all of us. Next month I will talk more about the Exchange itself. Hold on tight, its going to be a bumpy ride! Kleeber Insurance Services, established in 1851, is a subsidiary of Kinderhook Bank Corporation.

Candy Marrero (518) 929-1506 • Kleeber Insurance Services Columbia Turnpike, East Greenbush

ARE YOUR HEALTH INSURANCE

RATES TOO HIGH? KLEEBER INSURANCE SERVICES Can provide you with Affordable Health Insurance Options while increasing your employee benefits!!! Our agency is small on purpose… we want to provide the best possible and most personable customer service around… and WE DO. Please contact us for information, education or to request a quote. Candy Marrero Email: cmarrero@kleeberinsurance.com Cell: (518) 929-1506 Office: (518) 758-7123 x22

PROFESSIONAL NETWORKING GROUP Are you interested in: • Building Relationships with other business professionals • Acquiring New Referral Sources • Promoting Your Business in a professional but comfortable setting If so, please consider joining a networking group. We currently have 3 breakfast groups.

Candy Marrero (518) 929-1506 www.professionalnetworkinggroup4u.com

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629 Albany-Shaker Road Loudonville (518) 458.9274 www.colonie.org/LIBRARY

PROGRAM LISTING FOR THE MONTH OF AUGUST SATURDAY, AUGUST 10 • Library Photography Contest Reception and Awards Presentation- Awards will be presented at this reception featuring the top photographs from this year's contest. The photograph exhibit will be on display in the Stedman Room through August 31.The reception begins at 1PM. TUESDAY, AUGUST 13 • Lyme Disease Prevention- Lyme disease is a bacterial infection caused by the bite of an infected deer tick. Lyme disease is widespread in the Capital Region, so it is important to understand prevention techniques to reduce your risk of infection. You will learn about how Lyme disease is transmitted, where you can be exposed to ticks and how to properly remove a tick.Presented by the Albany County Department of Health. 6:30 PM. WEDNESDAY, AUGUST 14 • The Affordable Care Act and My Small BusinessLearn how the ACA (a/k/a Obamacare) will impact your business, from the mandates, new taxes, new health insurance coverage options, and tax credits meant to keep your business growing and profitable. Gain peace of mind from asking questions of the panel of experts. Sponsored by the Small Business Development Center at the University of Albany. Reservations are required; call the Information Desk at 810-0314. (This program will be repeated on Tuesday, August 27, at 9:30 AM.) 6PM. WEDNESDAY, AUGUST 28 • Kaplan SAT/PSAT/ACT Practice Test- A practice test is one of the best ways to get ready for the real thing. You will know exactly what to expect on test day, get a complete analysis of your results and learn exclusive strategies to improve your score. Students are invited to take a free PSAT or SAT/ACT combo practice test. Reservations are required; call the Information Desk at 810-0314. At 10AM. WEDNESDAY, AUGUST 28 • Self-Publishing Workshop- Whether you're looking to share collected stories and photos from your family's history or your own memoir, the Troy Book Makers can help you create keepsake editions to share with friends, family, and the world. Join Jessika, manager of the Troy Book Makers, to find out the basics of preparing a manuscript, how to get your shoebox of photos or recipe cards ready for reproduction, and what it takes to make your personal memorabilia into a compelling keepsake for generations to come. Reservations are required; call the Information Desk at 810-0314. At 6PM.


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DOORS - ENTRY - STORM - PATIO VINYL SIDING - PRODIGY CHARTER OAKS - FASCIA - SOFFIT

$500 OFF $1500 OFF $1000 OFF 10 OR MORE VINYL REPLACEMENT WINDOWS

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With Coupon. Not Valid with Other Offers. Expires 8/31/13

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With Coupon. Not Valid with Other Offers. Expires 8/31/13

Joe Navarra - Owner l Mobile 518.301.3380 l Navco598@yahoo.com Office/Showroom: 3 McElwain Avenue Cohoes l 518.274.4400

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518-598-6968 145 Vly Road #6 Shaker Pine Plaza • Niskayuna

SUSTAINABILITY FOR THE EARTH AND FOR YOUR HEALTH Earth Day, April 22nd, is a day set aside each year to promote a sustainable healthy planet. A sustainable plan is the only way to ensure we never run out of clean water, fresh food, or a peaceful place to live. A healthier planet benefits everyone and it's up to everyone to reduce, reuse and recycle. This is also the perfect time to think about sustainable health for you. Have you repeatedly lost and gained weight? Do you feel the stress of yo-yo dieting? Do you feel the misery of carrying excess weight? Sustainable weight loss IS possible with hypnosis. It's fun, easy and best of all its sustainable! Just ask Candace Richter who lost 58 pounds with hypnosis and has kept it off for over 6 years. Many people find that the changes they make through hypnosis bring about good health that is easily sustainable for the rest of their life. Our program covers emotional eating, eating the foods that are right for you, exercise motivation and other fundamentals necessary for sustainable healthy weight loss. With hypnosis you can easily change behaviors or unwanted habits, balance stress responses, release negative emotions (such as anger, sadness, fear, guilt, etc.), and help create a more positive selfimage. You will love eating healthy foods in the proper amount, drinking enough water, and consistently moving your body to strengthen and build muscle. With hypnosis, this process is fun, easy to maintain, and therefore creates sustainable weight loss. So as you are celebrating Earth Day and doing your part to care for the earth, don't forget to take care of your health as well. We only get one earth and you only get one body. Take care of both! Call for a free screening and make this Earth Day the day you launch your campaign for sustainable health! Shannon K. Keyes, Certified Hypnotist Registered Yoga Instructor

:K/Eh^͘ KƵƌdŽǁŶĞŽůŽŶŝĞ͘ ĞĂůƐĨƌŽŵĂĚǀĞƌƚŝƐĞƌƐ͕ ŐƌĞĂƚŝĚĞĂƐΘƚŚĞůĂƚĞƐƚůŽĐĂůŶĞǁƐ͘

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SHOULD YOU TAKE A PENSION BUYOUT? Have you recently received a pension buyout offer? If so, you need to decide if you should take the buyout, which could provide you with a potentially large lump sum, or continue accepting your regular pension payments for the rest of your life. It’s a big decision. Clearly, there’s no “one size fits all” answer - your choice needs to be based on your individual circumstances. So, as you weigh your options, you’ll need to consider a variety of key issues, including the following: • ESTATE CONSIDERATIONS - Your pension payments generally end when you and/or your spouse dies, which means your children will get none of the money. But if you were to roll the lump sum into an Individual Retirement Account (IRA), and you don’t exhaust it in your lifetime, you could still have something to leave to your family members. • TAXES - If you take the lump sum and roll the funds into your IRA, you control how much you’ll be taxed and when, based on the amounts you choose to withdraw and the date you begin taking withdrawals. (Keep in mind, though, that you must start taking a designated minimum amount of withdrawals from a traditional IRA when you reach age 70?. Withdrawals taken before age 59? are subject to taxes and penalties.) But if you take a pension, you may have less control over your income taxes, which will be based on your monthly payments. • INFLATION - You could easily spend two or three decades in retirement - and during that time, inflation can really add up. To cite just one example, the average cost of a new car was $7,983 in 1982; 30 years later, that figure is $30,748, according to TrueCar.com. If your pension checks aren’t indexed for inflation, they will lose purchasing power over time. If you rolled over your lump sum into an IRA, however, you could put the money into investments offering growth potential, keeping in mind, of course, that there are no guarantees. • CASH FLOW - If you’re already receiving a monthly pension, and you’re spending every dollar you receive just to meet your living expenses, you may be better off by keeping your pension payments intact. If you took the lump sum and converted it into an IRA, you can withdraw whatever amount you want (as long as you meet the required minimum distributions), but you’ll have to avoid withdrawing so much that you’ll eventually run out of money. • CONFIDENCE IN FUTURE PENSION PAYMENTS - From time to time, companies are forced to reduce their pension obligations due to unforeseen circumstances. You may want to take this into account as you decide whether to continue taking your monthly pension payments, but it’s an issue over which you have no control. On the other hand, once your lump sum is in an IRA, you have control over both the quality and diversification of your investment dollars. However, the trade-off is that investing is subject to various risks, including loss of principal. Before selecting either the lump sum or the monthly pension payments, weigh all the factors carefully to make sure your decision fits into your overall financial strategy. With a choice of this importance, you will probably want to consult with your financial and tax advisors. Ultimately, you may find that this type of offer presents you with a great opportunity — so take the time to consider your options. Lisa B. Pett, Edward Jones Financial Advisor 116 Wolf Road • Albany NY 12205 518-459-2271

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Plan Your Next Summer Outing at

Starting Time 12:00pm Kitchen Open 12:00 to 5pm • Beverages12:00 to 8:30pm

Weekday Picnic Price List for 2013

Noon-5pm Weekdays

ALL YOU CAN EAT BEER & WINE INCLUDED

Hot Dogs, Meat Sauce, Sauerkraut, 1⁄4 lb. Hamburgers, Cheeseburgers, Pulled Pork, Sausage and Peppers, RAW CLAM BAR, Chicken Wings, Spare Ribs, Clam Chowder, Corn on the Cob, Baked Beans, Potato and Pasta Salad, Pickles, Potato Chips, Watermelon, Cookie

Only $26.75/Adult • $17.00/Kids 5-12 years 4 Dunsbach Ferry Road Cohoes 1.5 Miles North of Latham Circle Route 9 (New Loudon Road) on Corner of Dunsbach Ferry Road / Across from The Century House Restaurant 1/2 Mile North of Route 7 & I-87

Don’t Forget - We Have Takeout!!!

(518)

785-0515

www.lanthiersgrove.com


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FEATURED BUSINESS

Albany Edit & Video Transfer opened it's doors at 1593 Central Avenue in the Village plaza on April 1st of 2001. We offer video transfer, duplication and conversion services to both consumers and professionals. We can convert old film reels and nearly ever consumer and professional video format including Blu-Ray, DVD, Beta, DV Tape, VHS, SD-Cards, Hard drive Camcorders and many others. We also convert audio tapes & records to CD or MP3’s. Precious memories make a great gift. We can make photo to video montages with your favorite pictures and music. Other great gifts include putting your wedding videotape on DVD or just backing up all of your camcorder tapes to DVD. It saves space as well as preserves your precious family memories. All of the services we provide are done on premises that way there is no worry about your memories getting lost in transit. College sports video resumes and even video resumes for theater and the arts are a valuable asset for applying students. Simply bring us your materials and a list of the scenes you want with all of your edit decisions and we’ll bring your production to life. We can supply your video back on DVD or as web video to post to your favorite video sharing site. This year we celebrate our 12 year anniversary and we've seen a definite shift in the technology from the day we opened. As new video formats rise and fall we will provide the services necessary to bridge the gap to the next format. Albany Edit & Video Transfer offers fast, professional services. We stand by every job that comes through our doors and treat your materials with the respect and careful handling they deserve.

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FULL HEAD OF

HIGHLIGHTS

CUT AND STYLE • $90

Additional charge may apply for color. Cannot be combined with other offers. Expires 8/31/13.


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This is Bubba! A 7 month Chocolate lab. He is neutered and UTD on his shots. Such a handsome boy! HIs previous owner was too busy to give him the attention he needed. He is looking for a loving home that will exercise him, and also give the discipline so that he knows his boundaries. He is a puppy of course, but he is doing so well with our training and socialization.

10 TIPS FOR SUMMER TRAVEL WITH PETS As summer arrives, most of us are starting to plan a trip or a vacation. As pet owners we have an important decision to make: Do we take our pets with us or to we leave them behind at home. More and more of us are deciding to take our pets with us. Here are 10 tips to make traveling with your pet go smoothly. 1. ASK FIDO OR FLUFFY IF THEY WANT TO COME. It is tempting to want to bring your pet with you, but some pets are more comfortable and will enjoy staying home more than going on vacation. If your pet is anxious riding in the car, consider a pet-sitter who will come to your home and care for your pet in an environment they are most comfortable with. For other pets going to the local boarding facility may be more enjoyable. Today's boarding facilities are not wire cages and concrete floors. Lots of boarding facilities have planned play sessions and other physical activities for their furry guests. They also are furnished with comfortable beds and web cameras for you to check in while you're on vacation. 2. GET PERMISSION. Make sure the hotel, campsite, or vacation home where you plan to stay allows pets. Ask about specific pet policies. Some hotels don't allow guests to leave their pets in hotel rooms, even if they are kept in crates. Others may require a special deposit. 3. CONSULT DOC. Does your pet have a medical condition like

epilepsy or heart disease that traveling may make worse. Does your pet get motion sickness or very anxious when traveling. Consult with your veterinarian if medication for motion sickness or a sedative will help make travel for your pet more enjoyable. 4. PACK FIDO'S AND FLUFFY'S BAG TOO. Make sure to have an ample supply of food and treats. Be prepared if your trip would be extended a day or two. Make sure to bring bowls, a leash, toys, and a favorite bed or blanket to sleep on. Do not forget to bring water if you are traveling a long distance in a car. 5. HAVE YOUR PAPERS. Make sure that you have all of the necessary documents. Always bring proof of rabies vaccination. An updated rabies certificate is required for Fido's admission into most campgrounds. Airlines require health certificate issued within 10 days of travel. This requires examination by your veterinarian. If you are traveling out of the country you need to plan several months ahead. Most international travels require special health certificates issued by an accredited veterinarian and endorsed by the USDA. Consult your veterinarian on what important documents you will need early in the planning the process. 6. TRAVEL SAFE. Keep your pet safe and secure in a crate or carrier. Make sure that it's large enough for your pet to stand, sit, and lay down. Traveling with your pet in a carrier or crate prevents them from

accidently escaping or causing an accident while you drive. 7. WATCH THE HEAT. Never leave your pet alone in a parked vehicle. On hot days, even with the windows open, the temperatures can rise over hundred degrees in a few minutes leading to life threatening heat stroke. 8. BRING THE ID. Make sure your pet has a collar with an ID tag. Consider having your veterinarian place a microchip in your pet. A microchip permanently identifies your pet and provides valuable contact information to reunite you with your pet if they become lost. 9. BE PREPARED. Make sure to be prepared for the unexpected. Before you leave, find the closest animal emergency hospital to your vacation destination. Bring a copy of your pet's medical records. Don't forget any medication your pet may need. 10. PRACTICE. Get your pet ready for a long trip by taking him on several short trips. If your pet is not used to a crate, have him gradually spend increasing time in the crate before your trip so that he or she becomes more comfortable in it.

David Sonnekalb D.V.M Sand Creek Animal Hospital 446-9171 130 Wolf Rd, Albany, NY 12205


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For Advertising Call David 320.5383 or Email david@ourtownecolonie.com

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Otc summer 2013