Our Towne Guilderland - November '12

Mid-November 2012

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November 2012

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November 2012

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notes from the SUPERVISORâ&#x20AC;&#x2122;S OFFICE

5209 Western Ave, Guilderland â&#x20AC;˘ (518) 356-1980 â&#x20AC;˘ www.townofguilderland.org

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ovember is the month when the change of seasons comes to us in full force. It is a month when things are very busy for people here in Guilderland.

PASTA NIGHT! Tuesday Nights!

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Choice of Pasta, Choice of Sauce, with soup or salad

PARM NIGHT! Wednesday Nights!

Chicken Parmesan $8.95 Eggplant Parmesan $8.95 Chicken Sorrento $10.95 Includes: Soup or Salad and Choice of Sides

PIZZA NIGHT! Thursday Nights!

Large Pizza with 2 toppings and 20 Wings $19.95

1412 Township Road Knox, NY 12009 518-872-2100 Proprietor Paul A. Centi RenĂŠe Quay - Exec. Chef

The Town Highway Department is fully involved these days in the Townâ&#x20AC;&#x2122;s annual leaf collection program. Our leaf vacuum trucks are circulating through the neighborhoods where they are able to operate, picking up leaves on the scheduled dates for these areas, plus making as many additional swings through different areas as their schedule allows. Highway Department crews will be picking up bagged leaves in neighborhoods where the vacuum trucks cannot operate. Your streetâ&#x20AC;&#x2122;s pick-up dates were printed in the Town newsletter mailed to all our residents in September. If you didnâ&#x20AC;&#x2122;t note the pickup dates when you received the newsletter, you can check on the Town website, www.townofguilderland.org.

Please be sure that leaves are placed in the street adjacent to your curb line to avoid damage to Town equipment, and also show your concern for your neighbors and our Town work crews by not piling leaves in a way that restricts their visibility.

Branches and brush set out for pickup need to be cut into pieces no more than 4 feet long and tied into bundles that a single worker can readily pick up for collection. If you have any questions, please call the Highway Department at 861-5108.

I have presented the 2013 Town Supervisorâ&#x20AC;&#x2122;s Draft Budget to the Guilderland Town Board, which will vote on it at its meeting on Thursday, November 8. The ongoing weakness in the national and regional economy, along with New York Stateâ&#x20AC;&#x2122;s imposition of a cap on the property tax levy, have caused the Town to evaluate costs very carefully in every area, and to scrupulously avoid being overly optimistic in projecting revenues. I am happy to report that this approach has resulted in a draft budget that

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November 2012

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once again leaves the Town tax rate unchanged at 26 cents per thousand dollars of assessed valuation Each year, I like to take the opportunity to encourage residents to keep up on Town affairs by watching government meetings on Channel 17 on local cable television. Town Board meetings are on the first and third Tuesdays of each month, and are broadcast live on Channel 17, then rebroadcast at 1:00 and 7:30 P.M. on the following Friday, and at 7:00 P.M. on the following Saturday. The Zoning Board of Appeals meets on the first and third Wednesday of the month. These meetings are broadcast live, then replayed at 1:00 P.M. the following Thursday and at 7:00 P.M. the following Saturday. The Planning Board meets on the second and fourth Wednesday of the month, with live broadcasts of its meetings, as well as replays the following Thursday at 1:00 P.M. and the following Saturday at 7:00 P.M. Altamontâ&#x20AC;&#x2122;s Village Board meets at 7:00 P.M. on the first Tuesday of the month, and its meetings are taped for rebroadcast at 11:00 A.M. and 5:00 P.M. on the Thursday and Saturday after the meetings.

I think that this is a time of year when all of us in Guilderland can reflect on all that we have to be thankful for in a community like ours. I would like to take this opportunity to extend my wishes for a happy Thanksgiving to all of Guilderlandâ&#x20AC;&#x2122;s residents and their families.

Kenneth Runion, Town Supervisor

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November 2012

5

message from the

CHAMBER OF COMMERCE

NEW TODDLER PROGRAM

2050 Western Ave, Guilderland • (518) 456-6611 www.guilderlandchamber.com

Christ the King Early Childhood Center 20 Sumpter Ave. Albany, NY 12203

T

he Guilderland Chamber of Commerce moved offices at the end of October; the new office is still in Star Plaza but on the second floor at the side entrance by the liquor store. Star Plaza has both east and west entrances with office suites upstairs, and we are happy to be moving to a cozy but still centrally located spot! Our Towne Guilderland is located in our offices too, which is great. Stop by!

456-5400 $ )DLWK EDVHG SURJUDP LQ ZKLFK DOO DUH ZHOFRPH NEW *Toddler Program - 18 - 36 months *Nursery Program - 3 year olds *Pre-K Program - 4 year olds *Childcare Services for 3&4 year olds offered 7:30 am-5:30 pm Join us in our enriched classrooms designed to nurture your child’s imagination!

For more information: 456-5400 ctkecec@gmail.com www.ctkparish.org

November brings our big “Guilderland Wedding Week” to the area. The stores involved in wedding week will be offering demonstrations, samples, fashion shows, and workshops, and we hope this inaugural year is successful for us all. Bringing people to visit or shop in Guilderland is good for us all. Visit www.guilderlandchamber.com for a list of the almost 20 merchants and stores.

A nail salon called Happy Nails is moving into the chamber’s former offices, which will fill up Star Plaza nicely. FIN, Your Fishmonger is now expecting to open in December; and I see that Crispy Basil Pizza is still in renovation stage at the former Friendly’s. Texas De Brazil Steakhouse is coming to Crossgates Mall in the early spring, and sounds wonderful!

Lastly, Wed. Nov. 28-The Chamber’s Pre-Holiday Party is at Pinehaven Country Club, 1151 Siver Road, Guilderland. It is open to anyone; as a matter of fact we are partnering with the Capital District and Upstate NY Professionals and the Albany County Visitors Bureau for this event, so come! Kick off the holiday party scene before it gets too hectic! Cocktails, catering by Ruggieros Catering at Siver Hills, raffles, and more! Sponsored

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November 2012

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November 2012

7

Setting the Course...

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GUILDERLAND, NY—On Tuesday, November 27*, GCSD will host a community-wide event to take a closer look at some of the most pressing issues currently facing the school district and education in general. “Setting the Course: Successfully sailing through today’s education environment” will be held from 7 to 9 p.m. in the Guilderland High School LGI and is open to all school community members.

The evening will begin with a brief presentation on the current state of the district, followed by a “town hall” style question and answer period between the community and school leaders.

Participants will then have the opportunity to work in small groups to further discuss the community’s priorities regarding which direction the district should be going as a leader in education.

In particular, attendees will learn about and discuss topics relating to: ● What do we know about our district and the community it serves? How can we collect information to guide future decisions? ● In New York State and today’s environment, what must we do to be successful? ● In New York State and today’s environment, what should we do because we are the Guilderland Central School District?

We hope that you will be able to join us for this important meeting about the future of our schools. If you plan to attend, kindly R.S.V.P. by November 20, 2012 either by phone at 4566200, ext. 3102 or via e-mail: superintendent@guilderlandschools. org. Community members may also R.S.V.P. online at: www. guilderlandschools.org. * Snow date: Tuesday, December 4, 2012

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November 2012

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from GUILDERLAND MARTIAL ARTS

2563 Western Ave, Guilderland • (518) 690-1269 • www.guilderlandmartialarts.com

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Appreciation

s we approach Thanksgiving it is a common exercise to reflect on one’s life and accumulate in your mind the things you are thankful for. This month we are going to do it backwards. Start by thinking of all of the things that you are not satisfied with. Create a mental list of the things that are not working or have not worked out the way that you would like. Once you have the list, you will find two kinds of items on the list: those things that you can control and those that you cannot. You must eliminate from your mind all of the things you cannot change - you must find a way to let go of them – just make sure that you really cannot control them in any way. Then for the remaining items you must make a plan of action to change. You must do this. Dissatisfaction is acceptable, but only if it causes change. Dissatisfaction without a plan for change is just a recipe for depression and is like poison to our body and mind. If you really do this, and really focus on a plan you will feel much better since you will be actively pursuing resolutions. Your active pursuit will give you satisfaction if you are really trying to do everything in your power to make the change while persevering.

Now that you have addressed your dissatisfaction you are able to clearly focus on appreciation for all of the great things in your life. Your mind is clear and working on a plan and can now concentrate on the wonderful elements that make you who you are. The reminding of oneself of the long list of things you are grateful for will even serve to motivate

you more to resolve the things you are not satisfied with. It will keep you on the path to success as you realize that those things you were dissatisfied with can in fact be added to your grateful list with diligence and perseverance.

Now that you have your lists going in your mind and are working through your plans to add more things to the list, you can concentrate on acting in ways that will give other people reasons to be grateful. Imagine if each of us had this selfless approach in our minds as a focal point for how we act; each of us trying to act in ways that would make other people grateful.

Others may be grateful directly to you or just have a general appreciation of their situation, it doesn’t really matter. What does matter is that the overall effect on our community and our family would be positive and everyone would be more successful.

I realize that this is a really tall order. You don’t think I can do all these things all the time, do you? Writing this column is cathartic and reflective for me. It gives me a way to refocus my energy in the proper areas. You help me do that, and for that, I am very grateful. I have a tremendous amount of things to be thankful for and one of them is you.

I sincerely thank you for being a great audience; it helps me be a better person each month. Have the best Thanksgiving ever!

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Master Rice is also a Math teacher at Guilderland High School. Guilderland Martial Arts offers classes starting at age 4 as well as an afterschool program and summer camps. For more information please call 690-1269.

OurTowneGUILDERLAND.com

November 2012

11

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Turnpike Power Equipment LLC 174 Western Turnpike (Rt. 20) Altamont, NY 12009 518-355-8823

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Check out the new rates at www.guilderlandchamber.com/insurance.html Call us at 456-6611 or visit us on the web at: www.guilderlandchamber.com

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Q. Can I still enjoy Halloween Candy without worrying about my teeth?

A. Halloween candy definitely gets a bad wrap at the dentist office. But we are here to tell you a few tips that will allow your kids to still enjoy their Halloween candy. Sugar in candy is the main culprit in causing cavities. Bacteria in the mouth turn sugar into harmful acid that eats away at the tooth structure. Actually, this process is true with many other foods and drinks that contain sugar, so these tips are useful everyday, all year long.

Here are several ways to prevent cavities from Halloween candy: â&#x20AC;˘ Limit the total amount of candy (sugar) â&#x20AC;˘ Eat a few pieces at one time, instead of several times throughout the day â&#x20AC;˘ Avoid extra hard or sticky candy â&#x20AC;˘ Brush and floss the teeth to remove sugar and plaque before it can do damage â&#x20AC;˘ Drink water to dilute the acid and remove food debris â&#x20AC;˘ Chew sugar free gum to remove food debris and stimulate protective saliva flow Using a combination of these steps will help minimize the risks of cavities in your familyâ&#x20AC;&#x2122;s teeth, especially when our homes are filled with Halloween candy this fall.

If you have any questions, please call my office at 518-356-5635 and ask for Dr. O!

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HIGH SCHOOL STUDENT NEWSPAPER, THE JOURNAL, WINS 20 AWARDS AT STATEWIDE COMPETITION GUILDERLAND, NYâ&#x20AC;&#x201D;The Journal, Guilderland High Schoolâ&#x20AC;&#x2122;s student-run, public-forum newspaper, recently received twenty awards from the Empire State School Press Association (ESSPA).

Scholastic newspapers from across the state were judged by professional journalists and the faculty of Syracuse Universityâ&#x20AC;&#x2122;s Newhouse School of Journalism.

The Journalâ&#x20AC;&#x2122;s commendations included ten Gold awards, the highest honor, including an Overall Gold award for the Highest Category of Achievement in scholastic newspaper publication, and two Gold awards for â&#x20AC;&#x153;Service to School:â&#x20AC;? one for a series of stories on student drug use and recovery, and one for a series of stories on bullying as a high school epidemic.

For the second year running, staff swept the Gold awards in the design classifications: Front Page Design portfolio, Layout and Typography portfolio, and Overall Design portfolio. Co-Editorin-Chief Michael Dvorscak (â&#x20AC;&#x2122;12) was awarded an individual Gold medal in Overall Design for his portfolio of work.

For the first time ever, The Journal also swept Gold awards in the Feature Journalism category. Tony Pitkin (â&#x20AC;&#x2122;12) was awarded Gold for his feature which told the story of a GHS student recovering from drug addiction. Justina Liu (â&#x20AC;&#x2122;14) was awarded Gold for her feature covering bullying in schools, and an additional Bronze award for her profile featuring a GHS alumnusâ&#x20AC;&#x2122; service in Afghanistan.

Devin Keenholts (â&#x20AC;&#x2122;12) was awarded the lone Gold in the category of Sports Photography for her capture of the boyâ&#x20AC;&#x2122;s soccer team celebrating a Sectional playoff win; Silver for her photography of flooding following Hurricane Irene, and Silver for Photography portfolio. Devin was among the most lauded scholastic photojournalists in the state.

Madi Taylor (â&#x20AC;&#x2122;12) was awarded Gold in the category of Illustration Portfolio for her consistent and diverse renderings, particularly of political figures, across the course of the year.

Silver awards: Michelle Xiong (â&#x20AC;&#x2122;14) in the category of Special Event Coverage for her account of the final Cultural Fair â&#x20AC;&#x153;as we knew it;â&#x20AC;? and the staff of the Journal for its extended, in-depth coverage of bullying.

Bronze awards: Tara Jackson (â&#x20AC;&#x2122;12) for Feature Photograph of the GHS Cultural Fair; and the staff of The Journal for its editorial assessing the impact of the Occupy movement.

Honorable Mentions: Lexi Rabadi (â&#x20AC;&#x2122;12) & Jimmy McLaughlin (â&#x20AC;&#x2122;12), for Sports Feature; Shelby Iapoce, (â&#x20AC;&#x2122;12) for Sports News; and the Staff of The Journal for their coverage of â&#x20AC;&#x153;Occupy Albany.â&#x20AC;?

The Journal was among the most honored school newspapers in the state. For more information, contact Empire State School Press Association Director Sherri Taylor of Syracuse University at 315443-2626 or Chris Mazura, The Journal adviser and GHS English teacher at mazurac@guilderlandschools.org

14

November 2012

OurTowneGUILDERLAND.com

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GUILDERLAND PUBLIC LIBRARY 2228 Western Ave, Guilderland â&#x20AC;˘ (518) 456-2400 www.guilpl.org

November is Wedding Month in Guilderland!

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With all the expenses of a modern day wedding, the Guilderland Public Library can save you money with your planning. We have many books to help you plan your big event. Below are just of few of them to give you ideas for one of the biggest parties you will ever throw: Bridal bible : inspiration for planning your perfect wedding

by Sharon Naylor [et al.].

The Everything Vegan Wedding Book by Holly Lefevre The DIY Bride: an affair to remember by Khris Cochran Vintage Weddings: one hundred years of bridal fashion and style by Marnie Fogg The essential gguide to gay and lesbian weddings

by Tess Ayers and Paul Brown.

The Knot ultimate wedding lookbook : more than 1,000 cakes, centerpieces, bouquets, dresses, decorations, and ideas for the perfect day by Carley Roney and the editors of TheKnot.com.

Handmade weddings by Laura Maffeo & Colleen Mullaney.

I do :a guide to creating your own unique wedding ceremony Sydney Barbara Metrick ; illustrated by Terry Hatcher.

We also have separate guides about bridal gowns, wedding cakes, and flowers: Itâ&#x20AC;&#x2122;s all about the dress : savvy secrets, priceless advice, and inspiring stories to help you find â&#x20AC;&#x153;the oneâ&#x20AC;? by Randy Fenoli.

Martha Stewartâ&#x20AC;&#x2122;s wedding cakes by Martha Stewart and Wendy Kromer.

The new book of wedding flowers : simple & stylish arrangements for the creative bride by Joanne Oâ&#x20AC;&#x2122;Sullivan.

And when you are so stressed you want to cryâ&#x20AC;Ś enjoy a good laugh with Bridesmaids [DVD]; directed by Paul Feig ; written by Annie Mumolo and Kristen Wiig.

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Daniel Bauer is a principal and Vice President of AllSquare Wealth Management, LLC. AllSquare Wealth works with each of our clients to develop an Investment Policy Statement, which includes a target allocation to various asset classes, including foreign stocks.

AllSquare Wealth Management, LLC is a registered investment advisor headquartered in Guilderland, NY. AllSquare Wealth offers financial planning, investment management, and risk management services to clients located in the Capital Region and beyond.

AllSquare Wealth Management, LLC is an SEC-registered Investment Advisory Firm. Securities offered through a non-affiliated firm, Spire Securities,November LLC, member FINRA/SIPC. 17 OurTowneGUILDERLAND.com 2012

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HOW MUCH AND HOW LONG?

A

new client will often ask me how long their case will take and how much it will cost. A few factors (and misconceptions) are: 1. We have a lot of money and therefore this is a complicated case. Not always. If a family has assets well in excess of their debts it is often easier to resolve because it may be a matter of determining who gets what and there is enough to go around. The more difficult cases are when there are nominal assets, income, or significant debt. It is often much more complicated to figure out a plan for supporting two households when the family is barely getting by together in one household. When there is significant debt, no one wants to divide it up, and it is passed around like a hot potato.

There are times when a family is so heavily burdened with debt that facing the prospect of living apart may force one or both into a bankruptcy.

2. Someone in the family is self-employed.

There are many self-employed people who are honest to the penny as to their income and expenses. Sadly for us taxpayers, there are many who are not. If a spouse is reporting income of $20,000 for the past 10 years, but the family lives as if that person is making $200,000, it makes things much more difficult when there is a break-up as the person who is making the money will point to a tax return and say “see, we are a family earning $20,000” and the other person says “we live like a family who earns $200,000, even though I signed a joint tax return affirming that $20,000 was correct.”

3. Reasonableness of the spouse and the lawyer. While you may be the most reasonable person in the world, and listen to my advice, your spouse may not be so reasonable, which is often why you are in the divorce process to begin with. Your spouse’s attorney may assert an unreasonable position, or may simply want to “churn” the file. Thankfully, most of my colleagues do not fall into this category.

However, there are those who use every tool at their disposal, whether they need to or not.

This is a very rough sketch of the many factors that can affect the time and expense of a legal matter. A case in litigation has other factors that can cause delay or expense such as the particular judge assigned, the court, scheduling of parties, attorneys, and witnesses. As you proceed in any case, it is good idea to speak to your attorney from time to time as to where you are in the process, the direction your case is taking, and what decisions and actions can be taken to limit the time and expense involved. While your attorney cannot predict every twist and turn, a seasoned and practical attorney can steer you in the right direction, and give you the knowledge to make informed choices.

Margaret C. Tabak is a partner at Tabak & Kiosse, LLP, a law firm located in Great Oaks Office Park (near Crossgates Mall). Along with her partner (Leyla A. Kiosse), Attorney Tabak counsels clients on all matters related to matrimonial and family law. A resident of Guilderland for more than 20 years, Margaret received her undergraduate degree from SUNY Albany and her law degree from Albany Law School. If you have questions about a matrimonial or family law issue, contact Attorney Tabak for a consultation by calling 464-4095 or visiting the firm’s website, www.tklawllp.com.

OurTowneGUILDERLAND.com

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from SPORTS & SPINAL WELLNESS CENTER

2021 Western Ave, Guilderland • (518) 869-3415 • www.sportsandspinalwellness.com

GROWING A STRONG IMMUNE SYSTEM

By Dr. Kim Keeling

I

t’s that time of year again. The kids have been is school for a few months, the leaves have fallen from the trees, the days are colder and darker and the Halloween sugar feast is finally over. So now it is officially cold and flu season. It is time to gear up for sick kids with runny noses, stomach bugs, coughs, and colds. You may have already stocked up on hand sanitizer, tissues, Gatorade, soup, crackers, and the emergency bottle of Tylenol. But what is your BEST defense against having an entire household plagued with illness? Start with a strong immune system.

It is estimated that 70-80% of our immune system is in our gut or small intestine. There are as many as 500 strains of bacteria and fungi living in the dark hollow of our guts. Some of these microorganisms are considered “good” bacteria and some are considered “bad”. The strongest immune system is one with a ratio of 85% “good” and 15% “bad”. We need this balance to keep the entire gut ecosystem constantly fighting off germs and illnesses.

I like to use the analogy that your gut lining is like a lawn. When a new house is built there is typically just a dirt yard. This is the gut of a new born baby that has not been exposed to any bacteria, germs or environmental “bugs”. Now to make your lawn grow into a beautiful lush field you need to plant some seeds, nurture it with some water and fertilizer and from time to time you may need to reseed it. Now think of our gut in this same way. We need to plant the seeds “good bacteria” which are termed probiotics and then feed those bacteria so they can multiply and grow into this lush field of germ fighting microorganisms.

So how do I get these probiotics? Some are naturally occurring in the foods we eat such as: Yogurts, kefir, buttermilk, Tempeh (fermented "cake" made from soybeans; used as a meat), Miso (soybean paste used in Asian dishes), Kim Chi (pickled, fermented vegetables), Sauerkraut, or other fermented foods. Think of these foods as the water for your lawn. A daily dose is best.

How do I feed my field of “good” bacteria? Eat foods that these “good” bacteria love to eat such as: barley, quinoa, brown rice, oats, corn, whole wheat foods, flax, onions, dark green vegetables such as kale, spinach, broccoli, brussel sprouts, berries, bananas, citrus fruits, pears, apples and peaches, beans and legumes, parsnips and carrots and winter squash. Think of these foods as your fertilizer which will help the “good” bacteria grow stronger and be more robust.

Now those of you who have a dog, like we do, know that you can see every spot in your lawn where the dog decides to go to the bathroom. The yard may be spotted with dead grass. Now if your husband is like mine and wants a spot free yard, he will be chasing the dog around with the garden hose every time he goes out to the bathroom to water the spot down. So in attempts to continue on this desire for the lush grass you reseed and fertilize and in a week the grass grows again. This is what happens when we take antibiotics. The antibiotics kill all the bacteria in your gut, good and bad. While this may have gotten you over your bacterial infection, it has set you up with a weakened immune system and may predispose you for future illness. I often hear this from women who have been on an antibiotic and end up with a cycle of yeast infections. This is also common with children who have been on antibiotics for an ear infection, sinus infection, or strep throat but then illness reoccurs or they come down with the next illness going around school.

The solution is to “reseed” your gut by taking a probiotics supplements. If you have been on an antibiotic, take a supplement for twice as long as the antibiotic dose immediately after you are done with the antibiotics. Do not start during the course of antibiotic treatment because it makes the antibiotic less powerful and my not be able to completely knock out your infection.

Plus, the probiotics may not survive long in the presence of the antibiotic. If you tend to have seasonal allergies, take a probiotic supplement during the month before your allergies start to kick in. If your kids seem to pick up every little bug that they are exposed to, give them a supplement for one month and then adjust accordingly.

What happens when your yard is full of weeds? This can happen in our guts too. This is when too many “bad” bacteria have overgrown and take control of your gut. This usually happens from eating too much simple sugar from candy, sweets, juices, breads and white flour. The “bad” bacteria love these foods. This is my theory as to why all the colds and flus explode after the Halloween candy feast. Symptoms of too much “bad” bacteria include sugar cravings (because those bad guys down there want more food) headaches, fatigue, cystic acne, bloating, gas, irregular bowel movements, difficulty with concentration, and much more.

Dr. Kim Keeling resides in Guilderland with husband, Mark, and two children,Tristan and Taylor. She graduated from Northwestern Health Sciences University in Bloomington, MN. She has been a Certified Chiropractic Sports Physician for eight years.

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Remember to plant your seed (take probiotic supplements periodically), water daily (eat yogurt or fermented foods) and fertilize (eat foods that feed the good bacteria) and you will have a much stronger immune system.

If you have questions about probiotics or another health concern please feel free contact me at: contactus@sportsandspinalwellness.com

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The Perfect Holiday Gift!

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November 2012

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Scrapsterâ&#x20AC;&#x2122;s Winter Vehicle Readiness Tips!

Winter is fast approaching, so prepare your vehicle(s) so you make it safely through to Spring Cleaning time! Here at Scrapster we donâ&#x20AC;&#x2122;t have a choice-we HAVE to get ready. Driving around all day and working outside requires a greater attention to detail when it comes to getting ready for ice and snow. Here are some basic tips we follow that may seem obvious, but have become steadfast rules.

Install snow tires, they exist for a reason. Typically install a narrower tire as wide tires tend to float on top of the snow. They provide better handling and braking and traction will be improved by 25% in deep snow (up to 40% with studded tires). Replace all 4 tires, not just 2, as this could cause you to lose control of your vehicle with one set of tires handling the snow and the other 2 not.

Go to an auto parts store and have your battery tested for free to alert you to any potential problems and avoid your worst nightmarebeing stuck in the snow with a dead battery. Did I mention it is free?

Itâ&#x20AC;&#x2122;s free! This is the perfect opportunity to check and replace your wipers and windshield wiper fluid. Do yourself a favor-buy an extra bottle for every car you own.

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28

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from CLANCY REAL ESTATE

1977 Western Ave, Guilderland â&#x20AC;˘ (518) 861-7016 â&#x20AC;˘ www.clancyrealestate.com

Are you better off than you were four years ago in terms of home ownership?

It is election time and the question always asked is â&#x20AC;&#x153;Are you better off today than you were four years ago.â&#x20AC;? This isnâ&#x20AC;&#x2122;t intended to be a political commentary but in terms of Guilderland real estate you likely are better off today than you were four years ago. It doesnâ&#x20AC;&#x2122;t matter whether you bought a home in 2008 or have held off and plan to buy now. Here is why.

In 2008, the median home price in Guilderland for existing single family home sales was $225,000. In 2012, the median single family home price for Guilderland is still hovering around $225,000 according to local Multiple Listing sales data. However, here is what has changed. In 2008, the 30 fixed rate mortgage was 6.5%, today the 30 year fixed rate is averaging about 3.35%.

In real terms it means you can purchase a similar Guilderland home in 2012 that you could in 2008 and your monthly mortgage payment would be roughly $400/month less! Think about that, an extra $400 in your pocket every month. If you bought in 2008 your home value has remained stable but you have the ability to refinance at todayâ&#x20AC;&#x2122;s rate. I have seen clients refinance, pull money out to remodel a kitchen, and their payments have gone down. I have recently resold homes for clients that bought in 2008 so they could buy a larger home. They moved to a larger home in a better school system and their monthly payment stayed the same all due to the drop in mortgage rates! So in terms of real estate you are likely better off than you were 4 years ago.

Unfortunately if you bought around the market peak of 2006 or 2007 you likely have seen your homeâ&#x20AC;&#x2122;s value decline.

The drop in value may put you in a position that you owe more than the home is worth and make refinancing to take advantage of lower mortgage rates impossible. It may mean if you sold your home today you wouldnâ&#x20AC;&#x2122;t net enough to pay off the mortgage. We are seeing a variety of clients in this unfortunate situation. However there is good news!

In response to the plight of homeownerâ&#x20AC;&#x2122;s that purchased in 2006 and 2007 that may owe more than their home is worth we have a variety of products to help! In certain cases we will even sell your home free of charge! If you want to sell your home but think you owe more than it is worth call us for our free 24 hour message describing our system at 1-800-448-7016 Ext 9001. We look forward to helping you!

Kevin Clancy has been providing real estate appraisal and brokerage services in the Capital District for the past 18 years. A NYS real estate broker, general certified real estate appraiser, and best selling author, Kevin received an undergraduate degree in marketing from Siena College and an MBA from the University at Albany. He resides in Altamont with his wife and two daughters. Kevin can be reached in the office at 518-861-7016.

www.ClancyRealEstate.com

What about if you bought a home in 2006 or 2007?

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Robert J. Nuttall Robert J. Nuttall

Important Numbers Emergencies POISON CONTROL

911 800-336-6997

C O N T R A C T I N G Serving Guilderland since 1980

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Ambulances: Voorheesville Area Western Turnpike Rescue Squad - Centre Drive Western Turnpike Rescue Squad - Carman Road

765-2344 456-3600 456-5144

Police: (Non-emergency) Altamont Police Department Guilderland Police Department New York State Police-Guilderland Substation

861-5480 356-1501 456-1118

Fire Departments: (Non-emergency) Altamont Fort Hunter Guilderland Guilderland Center McKownville Voorheesville Westmere

861-8171 355-2434 456-5000 861-8871 489-4340 765-4048 456-5200

Post Offices: Altamont Guilderland Guilderland Center Stuyvesant Plaza

861-6953 456-1400 861-5090 438-0773

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General Information: Albany Better Business Bureau 1-800-828-5000 Albany County Clerkâ&#x20AC;&#x2122;s Office 487-5100 Albany County Executiveâ&#x20AC;&#x2122;s Office 447-7040 Altamont Fairgrounds 861-6671 Altamont Village Hall 861-8554 Guilderland Animal Control Officer 356-1501 Guilderland Animal Shelter 861-6855 Guilderland Chamber of Commerce 456-6611 Guilderland Highway Department 861-5108 Guilderland IDA 356-1980 Guilderland Interfaith Council 456-5410 or 355-3000 Guilderland Parks & Recreation Department 456-3150 Guilderland Performing Arts Center 456-8604 Nott Road Park 869-9884 Park Superintendent 456-8220 Summer Day Camp (Tawasentha) 456-3475 Town Pool 456-4446 Guilderland Public Library 456-2400 Guilderland Town Hall 356-1980 Guilderland Transfer Station 861-6776 Guilderland Water & Wastewater Management Dept.

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518-356-4730 www.adams-heating.net

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PRESORTED STANDARD US POSTAGE PAID ALBANY, NY P Ùîã NÊ. 518

PRINT | WEB | DESIGN ourtowneguilderland.com STAR PLAZA - 2050 Western Ave, Suite 201 Guilderland NY 12084 To AdverƟse in the Our Towne Guilderland Monthly Shopper, Please Call (518)356-3898 DEADLINE- Last Friday of Each Month

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email: fraida@fraida.com