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The Last Vestige of Winter



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A message from


As you read this spring is less than 16 days away! We can only hope our cover shot is the last you will see of this winter's abundance of snow. Read more on page 29.

Amy Aldrich, State Farm Insurance - Distracted Driving

For many of us March is when we take on the SPRING CHECKLIST that we have been creating in our heads while being snuggled up in our homes eying the projects need to be completed before summer. Soon we will be opening up the windows to air out that fresh coat of paint we have been waiting to apply or ripping out and replacing the worn out carpet that took its final beating this winter. Bringing style and functionality to your home is so much easier when you ask an expert and we have many of them right here in Your Hometowne. Our local business people are professionals that are vested in the community. Not only do they have years of experience but their pricing is surprisingly competitive.

Mike Crowley, CPA - Businesses facing tax changes.

Take on your inside projects now so when Memorial Day hits you can get your garden started and be ready to enjoy being outside enjoying your boat, pool, motorcycle or whatever it is that makes your summer spectacular! No one can ever call us Upstate New Yorkers lazy, we have built in deadlines called seasons. No time for procrastination, in 8 months you will be back inside looking at the same walls, floors, kitchens and windows unless you take it on. Next month we'll be eying our lawns… in the mean time check this outPro-Wrestling SPRING SLAM in Your Hometowne! BH-BL High School presents Friday March 25. BH-BL's own JEFF STARR will headline along with Glens Falls native “Hacksaw' Jim Duggan and others at BH-BL High School to raise money with the proceeds going to Coaches for Cancer and the Penny's from Heaven Foundation Doors open@ 6 pm for a meet & greet- Wrestling @ 8pm. Tickets are $15 for floor seats & $10 General admission. $18 & $12 Night of the Show. Buy Tickets at Goldstocks 98 Freemans Bridge Rd. Happy St Patrick's Day! All our bestCheryll, Paul, Randy and Al

Comments and Input – Paul and Cheryll 280.5260 Advertising – Cheryll or 265.1105 Photography – Paul Design – Karen Garrison or 883.3872

Burnt Hills Optical - What can be done about computer vision syndrome? Cheap Geek - Internet Virus’s Chris Nyhan, Edward Jones - What does interest rate hike mean to you? Dr. Oyangen - Snoring and sleep deprivation. Padgett Business Services - Taxable or non-taxable income? Precise Fitness - The most consistent thing in life is change. TKO Licensed Home Inspections - Why hire a home inspector?

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THE MOST CONSISTENT THING IN LIFE IS CHANGE. It happens to everyone. That moment when you realize that it's time to do something about your weight. It may happen when you're looking in the mirror or standing on the scale. Your first thought is to go on a 'diet' but as quickly as that enters your mind the ghosts of a hundred diets past return... along with all the frustration. Then you wonder, why bother? The weight will come back, as it always has. Then you'll be back in front of the mirror as discouraged as ever. The answer is not to go on another diet. The answer is to change your lifestyle. You've heard this before, and it makes sense, right? So why haven't you done it? Your Lifestyle Obstacles. Most people resist changing their lifestyle for two reasons. 1. Change is scary. Whether you realize it or not, your life is in a constant state of change. The most consistent thing in life is change. Since you'll never escape it, you might as well channel it. It's time to make the change in your life purposeful and positive. 2. Lifestyle misconception. How many times have you heard the term 'healthy lifestyle' only to picture a health nut with celery sticks in one hand and tofu in the other? The truth is that most people think that changing their lifestyle will be an extreme and unpleasant experience - and that's not true. Improving your lifestyle does not mean swearing off chocolate or living in the gym. You don't have to eat wheat germ for lunch and you can still enjoy a nice plate of pasta. The key is moderation. Making the Change. It's time to lose your 'all or nothing' mentality. Embrace simple, small changes that will add up to big improvements in your lifestyle. These are your main venues for change: What You Eat. Let's face it, most of the foods you eat aren't the healthiest. Some are downright terrible (the burger and fries you had last week). While others are simply excessive (the snacks you eat while watching TV). The solution to cleaning up your daily diet is NOT to go back on a 'diet'. In fact, I never want you to go on a 'diet' again. (Yes, you heard me right!) Instead I want you to make permanent healthy changes to your eating habits. Here are some practical examples: • Choose salad over chips or fries • Don't add butter to your food • Eat fresh produce with every meal • Purchase fat free dairy products • Limit desserts to one or two per week • Cut out mindless snacking • Drink water, not soda I don't expect you to eat a perfect diet every day of the week - that'd be ludicrous. You should, however, make MORE healthy choices every day than unhealthy ones. What You Do. Exercise is a huge component to a healthy lifestyle, and quite frankly you're not getting enough of it. How often does an entire week go by without you ever lacing up your tennis shoes? Don't disregard the importance and power of a good workout. Your new healthy lifestyle means exercising on most days of the week. This may seem tough, but I have the perfect solution - my training programs were created for busy people just like you who only have so much time to dedicate to exercise. I understand how hard it is to find the motivation to stay consistent and to push yourself. Make exercise a no-brainer - contact me to get started on a lifestyle enhancing program today. Your lifestyle is the balance of all the choices that you make regarding your body. Swing the balance in your favor - make a majority of your choices health conscious, contact me today. Call or email to get started today! 424-7878 or to set up your free consultation.

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ITS ARRIVAL IS A DEPARTURE. The performance is about to begin. It's the premium sport sedan born in Europe and bred on the Autobahn. Experience all this and more when you join us in celebrating the arrival of the sport-injected 2011 Buick Regal. Regal represents the next chapter in the Buick revolution. Regal delivers a dynamic driving experience that rivals the best the world has to offer. That's why it's The New Class of World Class.

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WHAT CAN BE DONE ABOUT COMPUTER VISION SYNDROME? With so many of us using computers at work, computer eye strain has become a major jobrelated complaint. Studies show that eye strain and other bothersome visual symptoms occur in 50 to 90 percent of computer workers. These problems can cause physical fatigue, decreased productivity and increased numbers of work errors. Here are some ways to reduce computer eye strain and the other common symptoms of computer vision syndrome (CVS): The first step is to have a complete ocular-visual examination with your optometrist, who can determine if prescription eyeglasses are required. Contact lens wearers need to have clean, well-fitted and hydrated contact lenses to alleviate CVS symptoms. For bifocal users, progressive or no-line bifocals work best for computer use. There are new customized progressive lenses available now that allow a larger field of view when looking at a monitor. Other things you can do yourself to treat CVS: Adjust your monitor. It should be positioned two or three inches below your horizontal line of sight. Therefore, you should be able to see just above the top of your monitor. Placing the monitor too high creates unnecessary eye and neck strain. Also, sit just far enough away from the monitor that you can barely touch it without leaning forward. Remember to blink. This may sound trivial but studies have shown that our blink rate reduces to roughly one-third of the normal blink rate while we are on the computer. We hydrate our eyes by blinking, so a reduction in the blink rate will dry the eyes out leading to increased eye strain. Increasing the contrast on your monitor and reducing the overall room lighting can minimize the symptoms of computer vision syndrome. If your computer is near a window, reflections can increase computer glare. Positioning the monitor away from a window may help. Remember that if you suffer from any of the symptoms of computer vision syndrome, something can be done. If you have attempted the above techniques to improve CVS and symptoms remain, it is best to make an appointment with your optometrist to discuss other aids that can be used to help. For more information contact Kristen Cameron, Burnt Hills Optical, 793 Rt. 50 Burnt Hills, 399-6130 or visit Burnt Hills Optical was established in 1988 by Jean Bergstrom and continues as Jean had planned under the leadership of Kris Cameron. The principles of superb patient care and service on which Jean based her business remain unchanged. “We care for people - not just their eyes.�



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WHAT DOES INTEREST RATE HIKE MEAN TO YOU? In June 2004, the federal funds rate - the interest rate that banks charge each other for overnight loans stood at a low 1 percent. Over the following two years, the Federal Reserve Board raised this rate 17 consecutive times, up to 5.5 percent. These rate hikes may have made the evening news - but what did they mean to you, as an investor? Before you can answer this question, you need to be somewhat familiar with why the Federal Reserve raises rates in the first place. In a nutshell, the Federal Reserve increases rates in hopes of curbing economic growth just enough to combat inflation, but not enough to derail an economic expansion. Currently, there continues to be some uncertainty regarding when, how much and how long the Fed will raise rates. However, those questions can only be answered by the future strength of the economy. Therefore, economic indicators will be looked at closely in order to get a better idea of what the Fed might do. In short, there's no formulaic way to gauge the effect of the Fed's actions on your investments. However, you probably can't go wrong if you take these steps: DON'T PANIC - You don't need to consider drastic measures. As yet, these rates haven't changed, and any change that comes will be manageable. DIVERSIFY - Build and maintain a diversified portfolio of stocks, bonds, government securities, floating rate securites and other investments. LOOK FOR QUALITY - Keep investing in high-quality stocks. "BUY AND HOLD" - If you've chosen high-quality stocks, you don't need to unload them solely because interest rates may be rising. You're much better off holding these stocks for the long term - until either your needs change or the companies themselves move in a different direction. BUILD A BOND LADDER - If you invest in bonds, you don't want to constantly adjust your holdings in response to changes in interest rates. Instead, build a "bond ladder'' - a group of bonds of varying maturities. When rates are rising, you'll be able to reinvest the proceeds of short-term bonds that come due, and when rates are falling, you'll have your long-term bonds, with higher rates, working for you. You can't predict the future course of interest rates. But by making these basic moves, you can continue working towards your long-term goals. This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. Christopher Nyhan is a Financial Advisor with Edward Jones in Burnt Hills, NY. He serves as President of the BH-BL BPA and the BH-BL Rotary Club. He can be reached at 399-5087 or

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I CAN HELP WITH YOUR HOME PURCHASE! I am Tom O'Connor, a licensed and insured home inspector. WHY HIRE A HOME INSPECTOR? A home inspection is a functional and comprehensive review your future home. Fire up the furnace, open up the electrical panel, evaluate the utility service, run the faucets, open and close the windows, test the GFI outlets in the kitchen and bathroom and more…. It is a modest expense for such an important decision! As for me, I am a 1988 graduate of Siena College. I worked in the insurance industry for more than 20 years and opted to seek my own path, start my own business. I managed and resolved hundreds of legal disputes resultant from real estate transactions. That is why I know I can be of value to you in your real estate investment. I offer you a second set of eyes. Now, let me comment briefly on the limitations of a home inspection. It is a visual inspection. It is not a warranty that future problems may not occur. I will not bore you with the state regulations and the required text contained in the retainer agreement you will have to acknowledge. The home inspection engages all of the following readily accessible and observed conditions as outlined in the pre-inspection agreement: • Site conditions; land grade, trees and vegetation, walkways, steps, driveways, patios and retaining walls. • Structural Systems; floors, walls, ceilings and roof structure. • Exterior; siding, flashing, trim, doors, decks, steps, railings, windows. • Roof Systems; roofing material and conditions, drainage, flashing, roof penetrations. • Plumbing System; interior water supply, fixtures, drain, waste and vent systems, sump pumps. • Electrical System; service drop, service conductors, grounding, fixtures, switches and receptacles. GFI outlets. Amperage and Voltage rating service. Presence of aluminum wiring. • Heating System; type of fuel, equipment and distribution system. Operate the system using the thermostat. • Air Conditioning System; the type of equipment and it distribution system. If the temperature permits, operate the system. • Interior; condition of the walls, ceilings, floors, stairs, railings, baths, windows, doors, visible water penetration. • Insulation and Ventilation; accessible attics, insulated unfinished spaces. A radon test, pest inspection, water quality, septic and water well can also be examined for an additional fee. I urge you to secure a radon test. A home inspection is intended to offer you an insight into the home's functionality and make you an informed consumer. This is a major milestone and I wish to add value to your confidence in making your home purchase decision. I welcome your thoughts and questions. If I do not know the answer, I will find it for you. I can help. It will be my pleasure to assist you in your home purchase decision.



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Did You Know?

Fat Tuesday is Mardi Gras, the festival New Orleans, Louisiana, is famous for. "Gras" is French for fat and "Mardi" is French for Tuesday. Mardi Gras is a legal holiday in New Orleans. It is scheduled to occur 46 days before Easter. Since the actual date Easter occurs or changes yearly, Mardi Gras can happen on any Tuesday between February 3 and March 9, this year it's March 8th.

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STAY TUNED with Paul Hill “There is no distance too far between friends” Every year for the past 5 years, friends, family and invited guests have gathered at the request of Rick DeCresce, owner of RJD Enterprize Auto Sales to remember friends and loved ones lost. Cheryll and I were invited to attend, I'm glad we went. It began 5 years ago after Rick lost his wife Karen. Surrounded by family and friends at Attanasio's Banquet house in Scotia after her wake, it was an emotional gathering for those who have not seen each other for some time because life got in the way, now drawn together under a somber cloud. Looking at this crowd of old friends a thought occurred to Rick that it would be fitting to gather everyone together in a better atmosphere; at a time when emotions were under control and people could visit each other and remember all who have passed on and touched their lives, a gathering to celebrate life. When Rick called me he said I would see people I haven't seen in years, he was right. We also paused to remember those who have passed on from the memorial board set up at the entrance. Their names listed devotedly to greet everyone who attends. Reading the list provided flashbacks to each I knew, recalling the good times we shared. I didn't know all the names, but those gathered, fondly recalled those folks, creating a sense of camaraderie, a thread that held everyone together. Held every year in proximity to Rick and Karen' anniversary, invited guests and what has become the extended family from the original gathering attend the celebration to reconnect. They enjoy some good food, raise their glasses and remember all their loved ones who have passed on. With Alan Payette and his band, “Rat Tail Jimmy” the music couldn't be better nor the atmosphere more enjoyable. The intent of the gathering is not lost in the music and partying ; people meeting people who would not

have otherwise met. Ironically Alan Payette met his wife to be at the event last year. The story does not end here, as I sat with Rick, a girl he introduced us to at the party earlier entered the room. Kristina Grippo a professional artist with a portfolio of impressive work is joining Rick at his showroom and expects to reveal her gallery of art and contemporary work. Fluent in many mediums, from oil to drawings as well as original creations, Kristina is also a prop master for the motion picture industry so look for some interesting stuff to be displayed in what is now a retro showroom. In Rick's shop there is a couch fashioned into the trunk of a '57 Chevy Bel Air as seen above as well as original gas pumps from years gone by that can be seen from the road as you pass by his lot on Freemans Bridge road next to the airport. You may remember Rick from years ago as the throwback used car lot next to what is now Lowes entrance with his lot lit by incandescent bulbs strung from tree to tree; Rick embraces the past in ways that bring you to a simpler time with a slower pace. Check out Rick's ad on page 13 and stop in if you're looking for a “dependable ride” or want to check out one of the coolest showrooms in the area. Stay Tuned...

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IT WILL HAPPEN TO EVERYONE! It has been a long day. You were doing this and that feeling like you had no time to breathe let alone relax. You have fulfilled all of today's requirements. It's time for sleep. You snuggle in all cozy and warm and then it starts. Your partner sounds like a lawnmower. That is in excess of 70 decibels. You poke and prod them to no avail. Like second hand smoke, second hand snoring can both physically and mentally damage you. Snoring is evidence of an airway obstruction - a narrowing of the mouth and throat. It can be a sign of a far deadlier problem called obstructive sleep apnea, one of the most common sleep disorders. Sleep apnea is usually associated with loud or heavy snoring interrupted by pauses and gasps. Obstructive sleep apneas occur when the muscles in the back of the throat are not able to keep the throat open. This causes blockages in the airway and breathing interruptions called apneas. These blockages happen numerous times each night, even each hour and can not only disrupt sleep cycles, but also lower the level of oxygen in the bloodstream. Loud snoring affects everyone. Especially if it is loud enough to be heard through walls and floorboards. It disrupts everyone's sleep cycles. It can make everyone within earshot tired, cranky and exhausted. The lack of proper sleep and rest will decrease your ability to concentrate when you really need to. Your work and personal life can suffer long term. It can prevent you from getting that well deserved promotion! Frustration and irritability can keep your friends and family away from you because you are no fun to be around. There is help out there for all of you. The person who snores needs to be evaluated by a trained sleep specialist. The deadly condition called obstructive sleep apnea must be ruled out as a cause for this snoring. This obstructed airway must be opened this vibrating soft tissue must be silenced by either surgery or a mandibular repositioning device. There are dozens of mandibular repositioning devices out on the market but only a handful of them work without serious consequenses. All of them take the lower jaw and position it forward thus opening the airway. Some lock your mouth in position and can prevent your mouth from opening. This can be deadly, especially if the nasal cavity is obstructed by allergies, medications, or excessive overgrowth of the nasal bone or it's lining. A physical evaluation is done to confirm or rule out the presence of obstructive sleep apnea. The mouth and throat must be examined, and a polysomnography (sleep study) should be done at one of the local sleep centers. Recent clinical studies have shown that a proper fitting mandibular repositioning device (anti-snore guard) has been shown to stop snoring as well as significantly reduce mild to moderate sleep apnea. You should seek a dentist trained in sleep apnea conditions, as well as proper fit and titration of this appliance. A major referral source for such doctors is the American Academy Of Dental Sleep Medicine. This highly trained organization can be found at

Roy Oyangen, DMD 399-4696 • Socha Plaza South • 113 Saratoga Road Glenville



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See our e ad on th r! ve Back Co


he heart of Charlton beat in William (Red) Maloney's chest for many years however he was unaware of it at the time. Bill was raised in Schenectady and found his love of Early American architecture and style while attending the University of Vermont. New England and its rich history greatly influenced his love of design and buildings. Bill married Ethel Curran, daughter of Evelyn and Michael Curran of Ballston Lake. They began in Schenectady together raising their young family; Ethel a nurse and Bill an insurance salesman. Bill also dabbled in selling men's clothing for a short time. It was not until his employment at Schenectady's famous Van Dyke Restaurant, that Bill realized his dream of opening his own business. Early American furniture was what he would sell and the town of Charlton would become the site. The hamlet of Charlton housed a general store (circa 1787) on the verge on being condemned. In 1965 Bill, along with a partner, purchased the building and began restoring it to its authentic state; beams were exposed, walls were covered in tongue and groove pine boards and ceilings were concealed in burlap fabric due to their dilapidated state. This newly renovated building became the site of Charlton's first furniture store (The Charlton Shop) and the beginning of the Maloney legacy. When Bill and his partner decided to part ways, John, Bill's charismatic brother, along with his wife Shirley stepped in to join the team. In addition, their sister Mary came on board and opened a women's dress shop upstairs thus developing a rich Irish team. It was rumored that you could fill a music hall with the many family and friends that worked one time or another-either delivering furniture or procuring another project started by Bill. As the Maloney businesses grew, so did the building. In 1968, a second story was added. Builder, Bill Trousdale along with the help

of The Wills Brothers used materials purchased from an old barn and a brick school house to authenticate the construction. Walls were again covered in tongue and groove pine boards, beams exposed and a fireplace erected. It soon became a period piece to fit the original style. It was a dynamic time, the area was growing, specifically the Clifton Park area. The Charlton Shop was enlisted to furnish model homes for a variety of builders. Their famous Champagne Sales were born. Annually large gatherings of clients and friends came together every year for this famous Champagne and Hors'devoures event. Many stories coming from the Champagne Evenings are still of local lore. In 1969, Frank Lafforthun, the most respected historian in the town of Charlton and General Store owner, approached Bill and stated he was contemplating retirement. He asked Bill if he would be interested in purchasing his General Store located across the street. They sealed the deal with a gentleman's promise and hand shake and with that the center of Charlton's hamlet began to develop. “As with any restoration, nothing is level or insulated. The challenge is to tear it apart and reconstruct with your mind's eye” (Bill Maloney). Once again the rustic early American vision of Bill was put to task and with the help of his contractors in Galway; ceilings were torn down exposing hand hewn beams and a free standing fireplace was built. Bill stated, “While the fireplace was our doing, the material was transported from a beehive oven in the cellar. We exposed the wide plank floors and replaced what was necessary”. The general store was reconstructed into what is known today as the Charlton Tavern. “After I opened in 1970 as a Tea Room with a Vermont style country store, I knew the building was not being utilized to its full potential. It is said that “necessity is the

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mother of invention”-never more true were words spoken. The town of Charlton needed a center, a place of meeting and commerce. To quote Bill, “My business not only reflected an era so rich in history but a commitment as a member of the community.” Bill's desire to organize and produce was not solely based on his personal interest in business, but on how his business impacted the environment aesthetically as well as communally. As his mother, Kathleen would say “self praise is poor recommendation.” He always desired that Charlton residents not only approve of his work but in some ways shared in the pride of that work. He was granted that approval and shared pride and so it was- Bill's small downtown - the heart of Charlton. The Charlton Tavern was born with Bill's desire to transform the Tea Room into a full service restaurant, serving legal beverages and an expanded menu. In concert with the help of the town's leadership and trust, Bill was able to return to the hamlet- an authentic tavern with the spirit in which it was originally intended. Now the three Maloney businesses were flourishing-the furniture store, the dress shop and the tavern -again on the verge of expanding. Luck would have it that the building next door (an automotive garage) would become available. The owner of Haviland's Garage, Richard (Dick) Haviland, a good friend and golfing buddy approached Bill about purchasing his garage. Dick was interested in pursuing other interests and knew of Bill's success with his existing businesses. Again on a hand shake and gentleman's agreement, the garage was transformed into the third early American reconstruction. In 1975, “I bought the gas station next door; I thought it would make a great clothing store. Sounds crazy but I've never been one to lack imagination”, Bill lamented. Originally conceived to be a men's clothing store, Bill and family converted the garage into Mary's Village Shop. In 1976, The Village Shop moved from the Eastern side of the Charlton Tavern and took residence in the newly renovated Haviland's Garage. After another round of design and construction, the Charlton Tavern grew into the eastern side of the building. The famous “blue room” with its potbelly stove and tilted floors as well as a smaller “Rose Room” and Roger Schoene's mural depiction of the tavern in 1787 became the expanded dining rooms. As the businesses grew, so did the demand for additional help. Michael Maloney, Bill's eldest son, was pursuing a career in Hotel and Restaurant Management at University of Massachusetts, and was a perfect fit to help his father manage the restaurant. Mike became his father's second hand man and helped him grow the business into what it is today. The furniture store was being managed by Bill's wife Ethel who gave it just the touch it needed to become the most popular furniture and gift shop around. People would come from miles away to peruse the store to purchase new furniture and get new decorating ideas. Mary's, dress shop also grew providing an opportunity for Michael's fiancée, Susan Quinn, to begin a long working relationship with Mary, managing the Village Shop buying and retailing fine women's apparel and jewelry.


Christmas in Charlton was beautiful with red ribbons and green wreaths decorating every door and window in the village. Glowing candles in the windows entice passers-by to want to stop in to be part of this enchanted feeling of the holiday season. The eloquently decorated Tavern was the work of Ethel's keen eye and decorating sense. It was a big event for all those who were employed by the Maloney family and all looked forward the end result. As with all things, time again forges changes. Mary Miller closed the doors of The Village Shop after 30 years and retired. The building was sold and is no longer part of the Maloney businesses. It has since changed hands twice and is currently a general store. Bill Maloney left the town, his family and friends one sad afternoon in January 2009. His passing saddened many as he had such an immeasurable impact on not only the town of Charlton but the lives of all those who had the honor of being a part of his life. On the day of his wake and service, several thousand people came to honor Bill and remember the impact he had had on their lives. It was a Normal Rockwell setting in the driving snow as Bill was escorted down the center of town followed by his wife, children and grandchildren toward the Tavern and Charlton Shop to make one last trip through the Charlton he so loved. Many tears were shed to the sound of the bag pipers attributing to the celebration of the life of William T Maloney who helped make the town of Charlton what it is today. On January 9th 2009, the Maloney family experienced yet another tragedy. The restaurant that Bill had built from the ground up had burned to the ground. All was lost except for the Maloney family's desire to have Bill's dreams live on. The heart would continue to beat in Charlton. The rebuilding of the Tavern was a mission of love and respect for Bill and Ethel to keep their legacy alive. And once again the community stood up and took care of one of its own. Small business people from the entire area stepped up to help rebuild the tavern. There were fundraisers and generous giving of time from every walk of life. Waitresses donated their services to fundraisers, as restaurants and clubs donated their facilities. All of the people that benefitted from the gathering place stood with the Maloney's and rebuilt the Tavern in less than a year. On December 26th 2009 The Charlton Tavern re-opened its doors. Like a Phoenix the community replaced what fire had taken. Once again the people of our community have made us proud to be members and to be able to bring you this story in Your Hometowne. Sincerely, Mike and Sue Maloney 399-9951

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TAX TIME New (and existing) businesses face myriad tax challenges. Many entrepreneurs have partial, but incomplete, tax knowledge. It is this partial understanding that poses significant financial risk to businesses-either by understating deductions or overstating revenue. And, the tax code offers little comfort or guidance, especially when many of the benefits are “hidden” within voluminous paragraphs or with words that are OMITTED from the code. Reconciling concepts within the code requires the almost-daily encounter with its practice. This is where a good tax practitioner is worth a lot. Just as in clothing, a “one size fits all” approach may appeal to the pocketbook, but lacks the benefit of a custom fit. The tax practitioner’s value is easier to measure than clothing-Either the benefit is greater than the cost, or it is not (either the taxpayer saves money AFTER engaging the tax practitioner or not). Businesses should shop around for a tax practitioner that fits their needs. It is, in my opinion, impossible for a tax practitioner to avoid specialization. Just as with medicine, the patient will see the rheumatologist for arthritic pain (rather than the general practitioner or the orthopedic surgeon). Likewise, a taxpaying business should search out the tax practitioner specialist who can meet their specific needs. For example, the following three tax issues and questions may require specialization on the part of the tax practitioner: 1. Sales Tax for Contractors (capital improvement or repair?) 2. Choice of entity (LLC, Sub-S, C-Corp, Partnership, or Sole Proprietor?) 3 Should I share ownership with my college-aged Children? These three issues don’t even address the new hire credit, health care credit, or the upcoming increase in Medicare tax on passive income. We tend to ASSUME that all tax practitioners understand these issues! Additionally, variations in expertise within the tax practitioner community are substantial. I see this often. For example, in one recent case, a decedent’s Family overpaid federal and NYS estate taxes (without the opportunity for timely recovery) because their estate attorney and cpa were not specialists. Now, they have no recourse, but to bring suit (to obtain any relief). Before closing, I will share one tax gem with this audience as follows: When choosing a tax entity type, our new client made the sub-s election. Unfortunately, the election was made one year late. His former CPA had failed to do so timely (whether this was caused by lack of communication or not is unknown, but it occurred). This failure caused the taxpayer to overpay to the Medicare program approximately $8,000 (because the ENTIRE net income was taxable, rather than just a reasonable salary). When tax practitioners “warehouse” tax clients, the clients tend to lose out. Satisfy Yourself that Your tax practitioner answers all Your questions to Your level of understanding. Just like a good teacher, a good tax practitioner can explain the code in terms that can be understood by each and every one of us. Mike Crowley, CPA 104A Heckeler Drive Glenville (518) 384-1517 ext. 18


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ACROSS 1. Plant life 6. Wealthy 10. The Sun, for example 14. Delineated 15. Reflected sound 16. You (archaic) 17. Alter 18. Stab or thrust (archaic)

19. Backside 20. Self-denial 22. Not bad 23. Automobile 24. Drowsy 26. American elk 30. Shenanigan 32. Ends a prayer 33. Wash 35. Truth, old-style

DOWN 1. Dog biter 2. Arm or leg 3. 1 1 1 1 4. Let for money 5. Junkie 6. Direct elsewhere 7. Computer symbol 8. Fashionable

9. Truthful 10. Old form of transportation 11. Paroxysm 12. He told fables 13. Wheezy 21. Wood fastener 25. Enumerate 26. Desire 27. Dogfish 28. Look furtively 29. Relatively unimportant 30. Evade 31. A gas found in some lights 34. Highest point 36. Double-reed woodwind 37. See the sights 38. Expect and wish 40. Historical periods 45. Woodworking groove 48. Spreads sleeping sickness 50. Give 51. Customize 52. Not satellite TV 53. Angler's basket 54. Mountain crest 57. Bend 58. Whip 59. Adolescent 60. At one time (archaic) 61. Anger 62. 365 days Answers can be found on page 29

39. Bridget Fonda, to Jane 41. Loving murmur 42. Forbidden 43. Animal with a snout 44. Intellect 46. Masterstroke 47. PassĂŠ 49. Stick 51. Admission 54. Bother 55. Gosh! 56. Audacious behavior 63. Assist 64. Lacquered metalware 65. Any habitation at a high altitude 66. Entreaty 67. Coin opening 68. A unit of magnetic flux density 69. Inform 70. Border 71. Go in


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Paint the Dining Room Get a Jump on your Tan Change your Hair Style Organize the Closets

Slowly but surely, spring is coming! The early morning rings of birds chirping and soon we will see some flowers popping through the earth. Hello again, my name is Joe Sangaline and along with my wife, Amy, we own the local Padgett Business Services franchise. We want to share with our readers our new web site: Please check us out when you are online! This month's article will discuss 'Taxable or Non-Taxable Income', 'Title Matters:Who Owns the Car?' and 'Write-off for Heavy SUVs Used for Business'. Please feel free to contact us at any time if you have a question. (By phone, 348-1666, or email: TAXABLE OR NON-TAXABLE INCOME There are situations when certain types of income are only partially taxed or not taxed at all. Some examples of non-taxable income are: 1. Adoption expense reimbursements for qualifying expenses, 2. Child support payments, 3. Gifts, bequests and inheritances, 4. Non cash employer gifts (holiday turkey), 5. Workers' compensation benefits, 6. Meals and lodging for the convenience of your employer, 7. Compensatory damages awarded for physical injury or physical sickness, 8. Welfare benefits, 9. Economic recovery payments, and 10. Cash rebates from a dealer or manufacturer Some income may be taxable under certain circumstances, but not taxable in other situations. Examples of items that may or may not be included in your taxable income are: 1. Life Insurance - If you surrender a life insurance policy for cash, you must include in income any proceeds that are more than the cost of the life insurance policy. Life insurance proceeds which were paid to you because of the insured person's death are not taxable unless the policy was turned over to you for a price. 2. Scholarship or Fellowship Grant - If you are a candidate for a degree, you can exclude amounts you receive as a qualified scholarship or fellowship. Amounts used for room and board do not qualify. 3. Non-cash Income - Taxable income may be in a form other than cash. One example of this is bartering, which is an exchange of property or services.The fair market value of goods and services exchanged is fully taxable and must be included as income on Form 1040 of both parties. Title Matter: Who Owns the Car? If your company is paying for a car, make sure you title it in the company's name. If the company writes the check but you put the title in your own name, the IRS is almost surely going to deny the business a depreciation deduction. (This doesn't apply to sole proprietors as you and your business aren't separate entities.) Your company may also lose deductions for insurance, gas, maintenance, etc. Of course, even if the car is in the company's name, you still have to keep records of the business usage. But if you don't take the first step, you'll have an uphill battle. By the way, the same will likely be true for other business assets. Write-off for Heavy SUVs Used Entirely for Business Under the 2010 Tax Relief Act, the bonus first -year depreciation percentage is 100% (instead of 50%) for bonus-depreciation eligible “qualified property� that is generally (1) placed in service after Sept. 8, 2010 and before Jan. 1, 2012, and (2) acquired by the taxpayer after Sept. 8, 2010 and before Jan. 1, 2012. Qualified property includes autos and trucks which are 5-year MACRS property and thus qualify for bonus depreciation. For example, a taxpayer buys and places into service a new $50,000 heavy SUV on October 1, 2010 and uses it 100% for business, may write off its entire cost of $50,000 on his 2010 tax return. Please feel free to call us to discuss your questions regarding the above scenarios. Padgett Business Services is dedicated to meeting the tax, government compliance, profit & financial reporting and payroll needs of businesses with fewer than 20 employees in the retail and service sector of the economy. This publication suggests general business planning concepts that may be appropriate in certain situations. It is designed to provide complete and accurate information to the reader. However, because of the complexities of the tax law and the necessity of determining whether the material discussed herein is appropriate to your business, it is important you seek advice from your Padgett office before implementing any of the concepts suggested in this article.PENALTY NOTICE: As required by U.S. Treasury regulations, you are advised that any written tax advice contained herein was not written or intended to be used (and cannot be used) by any taxpayer for the purpose of avoiding penalties that may be imposed under the Internal Revenue Code.

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Have the Dog Groomed Wash Windows/Repair Screens

GEEK TIP OF THE MONTH Of all the sinister things that Internet viruses and spyware do, this may be the worst: They can make your computer a “zombie” and use it for malicious purposes. Whatever the motivation, whether it be stealing your passwords or personal information (banking records and identity), a denial of service attack or for reasons we fully do not understand yet (conficker).You might not realize it until the police come knocking at your door! An Associated Press investigation found cases in which innocent people have been branded as pedophiles after their co-workers or loved ones stumbled upon child porn placed on a PC through a virus or spyware. It can cost victims hundreds of thousands of dollars to prove their innocence. At any moment, about 20 million of the estimated 1 billion Internetconnected PC’s worldwide are infected which could give hackers full control. A computer can be made into a warehouse for pictures and video that can be viewed remotely when the PC is online. Only 3 percent of the infections on the internet are viruses, 97 percent of the infections now days are adware, spyware and rogue applications. It only takes about 4 minutes for an unprotected online PC to get infected. What you can do: If you notice your computer is acting very slow, it could be a good sign someone may be stealing your resources remotely. If unwanted windows start popping up randomly, shut down your PC immediately. If possible run a virus and malware scan. This is not always possible once infected. If you are computer savvy- reformat your PC. If not, then you need to bring it to a professional to wipe it out ASAP. We recommend using an anti-virus program called AVAST, it’s free and more effective then the widely known programs, and runs and updates daily. Most PC magazines agree with this statement. For the spyware we recommend It is free, but you have to run it manually. If you want it to run automatically you can buy it for $25 per year. No software protection program is 100%. You have to be very careful where you go and what you download! Stay away from file sharing sites such as Megaupload, Filetube and Rapidshare. Also do not use peer to peer file sharing programs such as Limewire, Frost wire and Bearshare. These sites usually have little hidden bonuses ( viruses, spyware) that come with them! Until next time, safe computing.

Maggie Faltskog, Cheap Geek Computer Services • 399-8886

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Start Working Out Remodel the Kitchen



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HEROES March 11th marks the 5th anniversary of the untimely death of Dick Fyvie, a man who made a difference in the lives of the people of Scotia. Giving the gift of compassion and guidance, Dick, a former Marine was a Scotia police officer for 32 years. He served as a Sergeant and Lead Investigator officially but was a Mentor, Guide and Counselor to the youth of

MARCH SCHEDULE 518-399-8174 E-mail: The March meeting of the library board of trustees - March 30th at 7PM in the library community room. Meetings are open to the public and we hope to see you there. Meeting Agendas and Minutes can be found under the Board tab at Library Trustee: There will be an opening for a library trustee in July 2011. Serve your community by setting policy and making decisions that affect local library service. Trustees are appointed by the Town of Ballston Town Board for a 5 year term. This is a volunteer position. 1. Must be a town of Ballston Resident living outside of the village of Ballston Spa. 2. Must be available the last Wednesday of each month. Applications and information are available at the library. Be Part of Library Art: Pick a favorite book and use it as inspiration to create art( either on paper with Anne Francey or using the computer with Maryann Haskell) in the community room at the Town of Ballston Community Library at 2 Lawmar Lane, Burnt Hills, NY. The finished projects will be used to make tiles that will become a permanent part of a table in the library reading room. All programs are free and open to the public, but space is limited and registration is required by calling the library at 399-8174 ext. 2. A variety Computer Classes are offered throughout the month of March please visit the website for all the details or call today!

STAGING YOUR HOME Do you have a plan for selling your house? Do you know how the competition compares? How will you make your home stand out in the sea of buyer's choice? Before putting up your for sale sign, look at your home from the perspective of someone who is searching for “the perfect home” for their family. The key to a successful home listing is making your home attractive to a large number of people. How do you do that? It's not necessary to move all your things to storage. If you have a lot of furniture or accessories, start with one room and take everything out. Clean the room from top to bottom: walls, ceiling, ceiling fans, light fixtures,

Your Hometowne. Remembered as a fair man who brought honor to his position, Dick worked with kids of all ages providing a role model to each child he encountered. Even when he had to arrest someone he tried to change their lives for the better. “He turned my kid around by showing compassion but enforcing the law”, “Even though he arrested me I liked him and would not be who I am today if it were not for him”. These are true statements made by people whose lives were touched by Dick's kindness. Dick loved kids! He was Co-Founder of “Operation Handshake” a program that brought area youth and police together. He coached Little League, Babe Ruth and Umpired organized Softball. Dick Fyvie was a true Hometowne Hero. LIBRARY HOURS Monday -Thursday 10AM - 8PM Friday 10AM - 5PM Saturday 10AM - 2PM Closed Sunday ONLINE or YOUTH SERVICES E-mail: Art on Paper with artist Anne Francey – Bring a favorite book. Programs for Children ages 6-12: Friday, March 25th 2-3:30PM (BH-BL half day) Wednesday, April 13th 4-5:30PM Programs for Adults (ages 13-99): Friday, March 25th 4-5:30PM Saturday, April 9th 10:30AM-12PM Wednesday, April 13th 6-7:30PM Computer Art with Maryann Haskell - These programs are intended for adults who are comfortable using computers. Bring a favorite book. April 30th 10AM-12PM and May 18th, 6:30-8PM These programs are made possible in part with funds from the Saratoga Program for Arts Funding (SPAF) part of the Decentralization re-grant program of the New York State Council on the Arts (NYSCA), administered by Saratoga Arts.

blinds and floors - don't forget the closets. If the walls look worn, or if they're painted a bright or dated color, it's time to freshen up with a new coat of paint. After cleaning and painting, bring furniture back into the room to set your stage: raid other rooms if necessary for the right pieces. Once your furniture is arranged, bring in a few accessories to give the room some personality. Kitchens and baths can make or break a home sale so start there and work your way through the house, basement and garage. It can be difficult to de-personalize your own space. Hiring a professional decorator who will not only help you make the right decisions, but also help organize the items you will be moving to your new castle. For a few hundred to a few

thousand dollars, professional staging can increase the sale price of a home by 5-50% (source: NAR) and can help reduce the number of days on the market from 200 to fewer than 33. For a very minimal investment, the payback can be well worth it. For showings, be sure to put away the mail, clean off the counters and give the room a quick run through to dust and tidy. Turn on lots of lights and open up the blinds, shades and drapes. Make your home look as inviting as possible. You love living there and after all your hard work, the next family will too. Dawn DiLorenzo, Owner, Locust Grove Designs, 222.9951

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Savory Beef and Beer Roast 2 pounds custom cut boneless chuck or round beef roast from Garofalo's cut into 6 to 8 slices Salt and freshly ground black pepper to taste 2 Tablespoons Butter 2 Tablespoons Olive Oil 5 to 6 medium Onions, peeled and thinly sliced into rings 1-1/2 Tablespoons Flour 2 Cups dark beer, such as Guinness 1/4 Cup Tomato Paste 2 Beef Bouillon Cubes 2 to 3 Sprigs Fresh Thyme 1 Whole Bay Leaf, broken in half Sprinkle both sides of the beef slices generously with salt and pepper. Heat a large heavy Dutch oven over high heat until very hot. Add butter and olive oil and brown meat quickly on both sides. Remove beef and set aside. Add sliced onions to the drippings. Lower heat, cover, and sweat onions until soft, lightly browned and syrupy, stirring often. Sprinkle flour over onions. Cook, stirring constantly, until the flour is lightly browned. Add beer, tomato paste, and beef bouillon, stirring until thickened. Stir in thyme and bay leaf. Return beef to the pot, along with any juices, and cover pot. Cook over low heat about 2-1/2 hours, turning beef occasionally, until beef is tender. Check often to be sure the beef is covered in liquid, adding more beer in required. Uncover pot during the last hour of cooking to thicken gravy, if needed. Remove bay leaves and thyme stems. Adjust salt & pepper to taste. Serve over buttered noodles or rice. And vegetable of your choice.

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Spicy Jambalaya

Boneless Beef Short Ribs

1 1/2 pounds Boneless Skinless Chicken available at Garofalo's 1 pound Andouille Sausage - available at Garofalo's 1 pounds raw Shrimp peeled and deveined Garofalo's has these too! 1 Large Onion Diced 1 Green Bell Pepper Diced 2 Stalks Celery Diced 2 Tablespoons Fresh Garlic Minced 2 Tablespoons Worcestershire Sauce 1-1/2 Teaspoons Black Pepper 1/2 Teaspoon Red Pepper 1/2 Teaspoon Tabasco 2 Cups Rice - Uncooked Long Grain 4 Cups Chicken Stock Fresh Green Onion and Parsley chopped for garnish

3-10 oz Boneless Beef Short Ribs, custom cut from Garofalo's (stand at room temp for 2 hours)

Slice chicken in cubes and slice Andouille into 1/4 inch slices. Heat a large Dutch oven (cast iron or other heavy bottomed pot) over high heat. Brown chicken and set aside. Brown sausage and set aside. Lower heat to medium and add vegetables. Sauté until translucent.

Rub the Ribs with the spice mixture on both sides then sear 2-3 Tbs. of vegetable oil using a Cast Iron Dutch Oven on both sides using high heat. Remove ribs, add vegetable Miripoix. Stir for 4 minutes scraping the meat bits into the mixture.

Add garlic and sauté. Be sure to scrape bottom of pot. These gratings give Jambalaya its distinct color and flavor. Add rice and sauté 1 minute. Add chicken stock, Worcestershire, pepper and Tabasco. Stir and return to boil. Add chicken and Andouille. Cover, reduce heat and simmer about 20 minutes. Add shrimp, stir, cover and simmer another 10 minutes or until rice is tender. Garnish with green onion and parsley.

Spice Beef Rub 2 Tablespoons Sea Salt 2 Tablespoons Ground Black Pepper 2 Tablespoons Onion Powder 1 Tablespoon Chili Powder 2 Teaspoons Garlic Powder 1 Teaspoon Celery Salt Miripoix 1 Cup Diced Onions 1 Cup Diced Carrots 1 Cup Diced Celery 1 Small Can Tomato Paste 1 Cup Dry Red Wine 1 Cup Beef Stock Salt and Pepper to Taste

Add tomato paste, stir for 2 minutes. Add wine and beef stock, salt and pepper, then the ribs back in to Dutch oven. Cover and adjust to low heat for about 3hours or until the meat for "falls apart" with a fork. Remove meat and reduce cooking liquids to sauce consistency. Strain out the vegetable and toss away. Top ribs with sauce and enjoy! For a nice presentation, top with fried onion straws found in the market and lightly browned polenta on the side.

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THIS IS NOW. On the left, check out the “sled” built for the Grand Duke of Cyril of Russia built by Henri Coanda and Featured on page 359 of POPULAR MECHANICS back in March of 1911 . Its power plant was a piston engine which drove a ducted fan or "suction turbine", the same power plant that Coanda had exhibited in 1910 on his first aircraft. Developing an impressive (for 1911) 40hp, this beast cut the snow at a blistering 50mph, and was baptized by the priests of the Russian Church. On the Right we have a sled 100 years into the future featured in Your Hometowne, March 2011. This one was built by Norm Kneskern from SnoPro out in fort Plain for his Brother-in-Law Dave Crouse of Countryside Stove and Chimney. Bought brand new, the 2006 Ski-Doo, Mach 2 1000 came to life as a pretty fast, however heavy trail sled that decided to seize up on the Tug Hill Plateau back in 2008. Faced with a decision, Dave chose to buy a new snowmobile and send this one into the shop to be rebuilt into a much quicker sled with one purpose; to provide a white knuckle thrill ride with the ability to hit a blinding 120125 mph in 660 feet, stopping the clock at 6-9 seconds. Baptized in super fuel this beast runs on 117 octane and a nasty “100 horse” shot of pure Nitrous Oxide provided by the 10lb bottle under the hood, creating a dizzying 180-200 horsepower.

Answers from Crossword Puzzle on page 21

The sled requires glare ice as the carbon tipped chisels dig in for the run under a strapped down rear suspension and shortened front shock system holding the ski's straight as she jumps into action around 4000 rpms. When it's time to run, hang on for dear life as this isn't your Sunday on the trail sightseeing snowmobile. Built for bragging rights, Dave trailers it along with his other sled “just in case” conditions provide the opportunity for some friendly competition with others who have built similar sleds. This is not a sponsor built professional machine, rather a passion build that satisfies the need for speed during the long winters here in the Northeast. Dave's summer toys include a pair of motorcycles, one Harley and a radical Carolina Custom 300 Pro Street chopper. Always looking to talk about his next ride over a comfortable fire, you can chat with Dave at the Countryside Stove and Chimney showroom on Route 50 that he runs with his wife Jodi, see their ad on page 31. Karl Batzinger from the Charlton Snowmobile club who graciously provided us with the winter sport section wants to thank all their business sponsors for their support and wishes all a safe year. We look forward to seeing the Charlton Snowmobile club in our paper next season.


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Ever wonder if illiterate people get the full effect of alphabet soup? - -John Mendoza

IS THAT PHONE CALL WORTH THE RISK? Distracted driving is extremely dangerous and can cause personal injury and property damage. Drivers who use hand-held devices are four times as likely to get into crashes serious enough to injure themselves.1 Even with a hands-free device, multi-tasking while driving could have serious consequences. You’ve seen it before; a vehicle near you is weaving in the traffic lane or traveling well below the speed limit. Chances are that driver is not focused on the road! According to the U.S. Department of Transportation2, there are three main types of distractions: • Visual – taking your eyes off the road • Manual – taking your hands off the wheel • Cognitive – taking your mind off what you are doing Distracted driving isn’t just about phone calls or text messages. Many activities that take your attention away from traffic can lead to accidents. Examples of distracted driving include: • Adjusting a navigation system • Eating • Grooming • Reading • Retrieving a dropped item • Talking on the phone • Texting • Watching a video Nearly half the U.S. states have restrictions against activities that cause distractions. Some states ban phone use in construction zones and school zones. Others place restrictions on novice drivers and operators of commercial vehicles, such as large trucks and school buses. Take the time to research the laws in your state and visit So, the next time you reach for the phone while driving, answer this question: Is this call important enough to risk hurting someone, or can it wait? 1 Insurance Institute for Highway Safety, 2005 2

Amy M. Aldrich • 123 Saratoga Road Glenville, NY 12302 518-384-2692 •

I AM A TREE LITERALLY A TREE! As the title of this article may think that I have fallen off my rocker thinking I was actually a tree. Let me shed a little bit of light on this and my thinking in the matter. A few years ago, I was part of our community theatre. It was that time in my life that I had just started by "bucket list" and "acting on stage was on it. Not an actress per say but something about being up on the stage in front of people really is exciting. Before you knew it there I was standing on the stage, hoping no one else showed so I was sure to get a part. I thought to myself as I looked down at the script, wondering..."what the heck am I doing up here?" As my nervousness dissipated, I tried different voices and accents as I tried to follow the lines in the little booklet. It took only moments for me to feel at home. A year later I was unable to speak, much less act or remember a line. My five minutes in the lime light had passed and my acting career had been put on hold. Then came an early morning phone call from a fellow "actor" which changed all that. He invited me to be part of the community play. My first reaction was..."they must be in need of a person who stutters and forget what she said 10 minutes ago. What they needed was a TREE! I told him that would be perfect! Once on week I practice being a tree. There was one night that was just a bad night - seemed like everything was against me, my body hurt and I couldn't think straight. As we stood on stage I felt my eyes well up."Focus, Pattie, focus!" We shuffled out onto the stage (because that is what tree's do when they are on stage - shuffle). I thought about how I would stand, how I would hold my hands to make myself look very tree-like. I realized that I had to keep my feet planted into the ground (or stage) to keep my balance as I held out my faux branches. After a few run throughs and encouragement from my fellow "tree's", my head started to clear and when I got home that night, I knew I was going to be a great tree not only on stage but in life as well! I realized that my life is not much different than the play we are performing. I AM A TREE, trying to grow and bloom. A tree, a strong tree, has roots that travel deep into this earth. I will not let a little wind blow me over in one fail swoop. I knew I had to do what I did on stage - plant my roots and be strong, learn to bend in the wind so I do not break. I have bent in the wind many times before, creaking and cracking but never breaking. My roots are even stronger now - deeper into this soil of my life. It will take quite a big wind to blow my house down...(sorry wrong story)! I will stand up tall and enjoy the breeze. I do hope that when you're feeling like you're going to break in the wind of life, that you to plant those roots, stay strong, grow strong, and let your roots grow deeply into your soil of life so you are able to bend in the wind. As always, I wish you peace, joy and many gentle breezes! Pattie Rakvica •

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Dinner and Theater - Lion King Special! • 745 Charlton Road • Charlton

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