Issuu on Google+


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For Advertising call 265.1105 or email youraddirector@gmail.com

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MESSAGE FROM Your Hometowne is 1 Year Old!

WHAT OUR EXPERTS ARE SAYING... Amy Aldrich, State Farm Insurance - Life Lessons about Life Insurance Burnt Hills Optical - What to Expect from an Eye Exam Cheap Geek - Tips on Buying a PC Dr. Maggs - Muscle Management Program Chris Nyhan, Edward Jones - Stocks - Should you worry about a Bond Bubble? Kerker & Gleeson P.C., - Divorce: 7 Tips on How to Avoid Financial Pitfalls in a Divorce Mary Laviano, Realty USA - Should I Sell or Remodel? Padgett Business Services - Rules of Expense Reimbursement and Proposed Rules on Payroll Taxes Precise Fitness - Your Kitchen will Make or Break your Weight Loss Thorough Home Inspections - Should I get a Home Inspection?

This month we humbly celebrate our first year in business. October 2009 marked our first publication of this community newspaper. Our October 2010 cover shot is a culmination of many people who support the community and our paper. The cover shot was taken at The Charlton Shop, owned by Ethel Maloney. Ethel's shop was the first place I went to sell advertising in our paper; Ethel had faith in what I was doing and agreed to purchase 3 months of advertising from me. I left there knowing in my heart I would succeed in developing a community paper that would be a hub of information and a place for local businesses to advertise and reach the local residents with their message. It was the most important sales call I have ever made in my career. About the cover: Dave Crudele a photographer from Ballston Spa was kind enough to shoot the photo on our cover. Dave's specialty is the Adirondacks and Nature photography but because Ethel, Paul and I are so connected to the Adirondacks we wanted him to capture the feel of Ethel's shop and Your Hometowne. The CAKE was created by the best Pastry Chef I have ever known, Joan Weaver of Foods and Frostings in Glenville. Shawn Weaver, Executive Chef and Joan's husband together have filled a void in our community. Their café is equipped with wifi, their menu consists of lunches- sandwiches made on their own bread, salads, and gourmet dinners to go, and baked goods that are unsurpassed in the Capital District. The best part is they will bring it all together and accommodate you and your guests with a complete and delectable catering experience at your home. Denise Podbielski of Making Faces in Socha Plaza performed magic on me with her professional Make-Up Artistry. Amber Pike of Hair and Now quickly styled my hair on a last minute request and saved the day! Thank you ladies, it used to be so much easier to look natural… Over the past year Paul and I have befriended some of the best business minds in the area. Everyone we have met has left us with a message, a lesson, or just that pat on the shoulder that gets you through the day. We started out as Our Towne and quickly realized Your Hometowne better represented our intent. The heartfelt support we received from Saratoga County to Schenectady County encouraged us to embrace the Route 50 corridor as a community that while separated by names, was united by families. After all, we direct mail Your Hometowne to 10,300+ residents of Burnt Hills, Ballston Lake, Charlton, Glenville, Scotia, Alplaus and Rexford. Publishing our paper, YOUR HOMETOWNE is a Privilege that we do not take lightly. As homeowners, tax payers, and now business owners in our community we have watched our community develop and mature. We look forward to being a partner and advocate for our local business owners and our community. We invite you to engage in conversation with us on facebook. Tell your family you love them, Cheryll and Paul Hill Comments and Input – Paul and Cheryll 280.5260 Advertising – Cheryll youraddirector@gmail.com or 265.1105 Photography – Paul hometownephoto@gmail.com Design – Karen Garrison kgarriso@nycap.rr.com or 883.3872


After

Before

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YOUR KITCHEN WILL MAKE OR BREAK YOUR WEIGHT LOSS RESULTS. A kitchen filled with unhealthy munchies will derail your weight loss efforts every single time. Grab a garbage bag and head to the kitchen. DUMP: Beverages with high fructose corn syrup or sugar. Drinking calories is one of the quickest ways to gain weight. REPLACE WITH: Water. DUMP: Rich dairy products. Eliminate high-fat cheese, milk and yogurt from your kitchen. REPLACE WITH: Fresh Vegetables. The produce drawer in your fridge should be overflowing with colorful nutrient-rich veggies. In fact, your fridge should hold more veggies than the drawer can hold. DUMP: Fatty meats. It is important that you be selective about the meats that you eat. REPLACE WITH: Lean meats. Skinless chicken breast, lean ground turkey, white fish - there are numerous choices when it comes to lean meats. DUMP: Fruit-flavored yogurt. I hate to break this to you, but that cute individually packaged yogurt is going to do more harm to your waistline than you think. REPLACE WITH: Plain low-fat yogurt, Greek yogurt, or low-fat cottage cheese Add fruit to either of these. DUMP: Ice cream. We may as well get this one over with. Save yourself from that temptation and don't buy ice cream. REPLACE WITH: Frozen fruit. When your sweet tooth starts acting up, throw an assortment of frozen fruit into the blender and whip up a healthy fiberfilled smoothie. DUMP: Frozen Pizza. This is another one of those items that is just too tempting to keep around. REPLACE WITH: Turkey or Veggie Patties. For quick dinners keep your freezer filled with lean turkey patties and veggie patties. Serve on a bed of brown rice or on a whole grain bun. DUMP: TV Dinners. I doubt that you need me to go into too much detail on this one. REPLACE WITH: Home-made Portioned Meals. Spend some time on the weekends to cook up healthy meals, and then freeze them in portioned containers. DUMP: Frozen Breakfast Food. Don't fall for the pretty photos and tastysounding names. REPLACE WITH: Sprouted Whole Grain Bread. It is just as easy to throw a slice of sprouted, whole grain bread into the toaster like a frozen waffle. Spread it with some natural peanut butter and pair it with a piece of fruit. DUMP: Sugar-filled cereal. Sugar-filled cereal is basically another form of junk food, and will only add inches to your waist. REPLACE WITH: Whole Grain Oatmeal. There is a huge difference between instant, sugar-filled oatmeal and whole grain oatmeal. DUMP: Refined/White Bread/Rice/Pasta. These highly processed products promote weight gain and a plenty of other health problems. REPLACE WITH: Whole Grain Bread/Rice/Pasta. Whole grain is the best choice you can make. DUMP: Chips/Crackers. Do yourself a favor by not allowing these into your pantry. REPLACE WITH: Almonds. Place a handful of almonds into individual bags of pre-portioned snacks. DUMP: Packaged Sweets. I don't really have to explain this one, do I? REPLACE WITH: Dried Fruit. When you want to munch on something sweet, turn to a bag of dried fruit. Make sure that you purchase dried fruit that does not contained added sugars. I encourage you to raid your kitchen every couple of months as a way of keeping yourself on track. You know that weight loss comes as a result of healthy eating and consistent, challenging workouts. Call or email today to get started on a fitness program that will get you on the fast-track to your best body ever! I am always available to help. Call 424-7878 or email gina@precisefitnessandtraining.com to set up your free consultation.


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When the

Pony Express

went out

of business it was $200,000.00 in debt

Celebrating 20 Years of Terror Nightly Thursday through Sunday throughout October

www.mmhauntedhayrides.com FOUR ALL NEW ATTRACTIONS - One Low Price! Haunted Hayride • Clown CarnEvil Nightmare Manor • Caged RESERVATIONS REQUIRED (518) 884-9122

THE DOUBLE M Rte. 67, Malta NY One Haunted Hayride admission with this coupon Limit 1 per person. Thursdays and Sundays ONLY.

New for 2010 - PETTING ZOO Our Daytime Hayride & Corn Maze is designed for families with little screamers that aren't quite ready for our Haunted Hayride.

Enjoy a 20 minute hayride to and from the corn maze, find your way through the maze, visit the petting zoo, enjoy some childrens activities and our new scary maze.

It's not too long, not too short, it's just right!

OPEN: Saturday & Sunday 11-4pm Thursday & Fridays - for groups of 20 or more by reservation.

(518) 884-9122

2 years old and under free


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The Burnt Hills Ballston Lake Professional Association Annual

MEET THE CANDIDATES NIGHT - OCTOBER 6, 2010 6PM: Dinner & Brief General Meeting 6:30PM: Meet the Candidates Location: Ellm's Family Farm (Indoors this year!) Charlton Rd, Ballston Spa BPA Business: Open Nominations for the Town Beautification Award and next year's officers & board. Meet the candidates for the Charlton and Ballston Town Elections. OPEN TO THE PUBLIC: Our meetings are always open to the public, but all members of the community are especially welcome and invited to this event. The political debate portion of this event will be moderated by the Saratoga County chapter of the League of Women Voters. We thank them for their continued support in organizing this event and helping to keep it as fair and unbiased as possible.


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WHAT TO EXPECT... This is part two of our article on what to expect during a routine eye exam. This article will discuss the refraction and ocular health evaluation. Refraction is conducted to determine the appropriate lens power needed to compensate for any refractive error (nearsightedness, farsightedness, or astigmatism). Using an instrument called a phoropter, your optometrist places a series of lenses in front of your eyes and measures how they focus light using a hand held lighted instrument called a retinoscope. The power is then refined by patient's responses to determine the lenses that allow the clearest vision. Assessment of accommodation, ocular motility and binocular vision determines how well the eyes focus, move and work together. In order to obtain a clear, single image of what is being viewed, the eyes must effectively change focus, move and work in unison. This testing will look for problems that keep your eyes from focusing effectively or make using both eyes together difficult. External examination of the eye includes evaluation of the cornea, eyelids, conjunctiva and surrounding eye tissue using bright light and magnification. Evaluation of the lens, retina and posterior section of the eye may be done through a dilated pupil to provide a better view of the internal structures of the eye. Tonometry is a test which helps to detect glaucoma by measuring eye pressure. Your doctor may direct a quick puff of air onto the eye, or gently apply a pressure-sensitive tip near or against the eye. Numbing drops may be applied to your eye for this test. Elevated pressure is a possible sign of glaucoma. Additional testing may be needed based on the results of the previous tests to confirm or rule out possible problems, to clarify uncertain findings, or to provide a more in-depth assessment. At the completion of the examination, your optometrist will assess and evaluate the results of the testing to determine a diagnosis and develop a treatment plan. He or she will discuss with you the nature of any visual or eye health problems found and explain available treatment options. In some cases, referral for consultation with, or treatment by, another optometrist or other health care provider may be indicated. For more information contact Kristen Cameron Burnt Hills Optical, 793 Rt. 50 Burnt Hills, 399-6130 or online at www.burnthillsoptical.com. Burnt Hills Optical was established in 1988 by Jean Bergstrom and continues as Jean had planned under the leadership of Kris Cameron. The principles of superb patient care and service on which Jean based her business remain unchanged. “We care for people - not just their eyes.�


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In 1905 the average

movie ticket cost five cents... The Theaters were called nickelodeons.

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STAYING HEALTHY WITH DR. TIM MAGGS This is the 3rd article of my 6 part series

3.) MUSCLE MANAGEMENT™ PROGRAM Muscle injuries affect all of us. Whether you're an athlete or a worker, all of us have muscle aches, pains and injuries in our lifetime. They occur when the stress exceeds the tolerance of the muscle. The most common muscle problems are: • Muscle pulls • Muscle Pain • Tendonitis • Weak muscle • Carpal Tunnel Syndrome • Rotator Cuff Syndrome • Piriformis Syndrome • Low Back Syndrome • Neck Syndrome • Tension Headaches We've been serving the community for over 32 years now, and have worked with almost every injury imaginable. Our Muscle Management™ Program is designed to help people minimize muscle injuries and pain, helping people to stay more active and with fewer limitations. Below (Fig. 1) is one of the techniques used in our program. The Stick® is used to roll a muscle, and there is a technique for every major muscle group in the body. This program helps to flush damaging toxins while encouraging blood flow (food and oxygen) to desired muscles. This daily effort will keep muscles stronger, healthier and less vulnerable to injuries, regardless of the cause. Figure 1

Call today (518.393.6566) to learn more about our Muscle Management™ Program.


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See our ad on Page 6!


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LIFE LESSONS By Amy M. Aldrich, State Farm® Agent Mike Thompson died in a car accident leaving behind his wife, Amanda, their two boys, and stiff financial challenges. “After that,” Amanda recalls, “I put the house up for sale and we moved in with my mother.” About six months later, she purchased life insurance on herself telling her agent, “I don’t want this to happen to my children.” Amanda’s story illustrates how being without life insurance can leave families vulnerable to financial hardship. However, the need for life insurance is not limited to families. When you’re single with no dependents, you may not need much life insurance. But you should at least have enough to cover final expenses, so your parents or siblings aren’t burdened with these costs. Once you’re married, you share a life and a home with someone else. Now if the worst happens, your spouse may be left with a rent or mortgage payment they can’t afford. At this point, it’s time for both spouses to get individual life policies. When you have children, you have their future to think about. Life insurance can help your spouse keep up with child care and other expenses, as well as save for education and retirement. In retirement, life insurance becomes an important part of your estate plan allowing you to pass wealth to future generations or a charity. There are two basic categories of life insurance - term and permanent. Term insurance can be purchased in large amounts for a small initial premium. It is well suited for short-term goals. Coverage lasts for a specified term. After this term has ended, it expires unless renewed by paying higher premiums. Permanent life insurance provides a death benefit while the policy is in force. The premiums are initially higher than those of term insurance, but in many cases they can be cheaper over the life of the insured. Permanent life insurance usually builds up a tax deferred cash value and is well suited for long-term goals. Whichever option you choose, make sure your policy coverage keeps pace with your life stage -- now and in the future. Amy M. Aldrich • 123 Saratoga Road Glenville, NY 12302 518-384-2692 • www.amyaldrichagency.com

A fanatic is one who can't change his mind and won't change the subject. -Winston Churchill

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SHOULD YOU WORRY ABOUT A "BOND BUBBLE"? These days, many investors are focused on the volatility of the stock market. But if you own bonds, you're probably looking at a different picture. In fact, bond prices have risen so much that there's now talk of a possible “bubble.” If this happens - that is, if bond prices reach unsustainable levels and then drop sharply - how should you respond? Before we consider the likelihood of a potential bubble, let's look at just why bond prices have risen so much. The chief cause is falling interest rates. When market interest rates decline, the price on existing bonds - which may carry higher rates - will rise. That's because investors, seeking higher interest payments, will be willing to pay a “premium” to purchase those bonds. Bond prices are also being pumped up by the huge infusion of cash into bond-based mutual funds, spurred, in part, by investors' concern over the stock market's performance. Now, let's return to the issue of a potential bubble. It's almost impossible to predict such an event, but some factors would seem to lessen its likelihood. Although past performance is no guarantee of future results, bond declines historically have been less frequent and less severe than stock plunges. Also, while interest rates will rise eventually, they appear poised to stay relatively low for a while. Furthermore, as investors remain somewhat pessimistic about the pace of the economic recovery, they may continue to be leery of the stock market, choosing instead to continue putting money into bonds, thereby helping keep prices high. Ultimately, though, even if a bond bubble were to occur, it wouldn't necessarily have a major impact on your investment success. Here are a few things to consider: 1. HOLD BONDS UNTIL MATURITY. If you buy bonds for the income they provide, there's typically no need to sell them prior to maturity. No matter what happens to the market value of your bonds, you will receive the same regular interest payments. And when your bonds mature, you'll receive all your principal back, unless the issuer defaults - an unlikely event if you purchase “investment-grade” bonds. 2. BUILD BOND LADDERS. You can't always anticipate changes in interest rates, but you can prepare for them by building a “ladder” of bonds of varying maturities. When market interest rates rise, you can reinvest the proceeds of your maturing, short-term bonds into the new bonds being issued at the higher rates. And when market rates fall, you'll still have the higher rates of your long-term bonds working for you. (Generally speaking, longer-term bonds pay higher interest rates than shorter-term bonds.) Be sure to evaluate the securities held within the ladder to ensure they are consistent with your investment objectives, risk tolerance and financial circumstances. 3. DIVERSIFY. Of course, you don't want to invest only in bonds. Try to build a diversified portfolio based on your goals, risk tolerance and time horizon that could include bonds, quality stocks, certificates of deposit, government securities, bond funds and other securities. Keep in mind, though, that diversification, while helping reduce the effects of volatility, can't guarantee profits or protect against loss. Whether or not we see a bond bubble, these moves can help you - so give them a place in your overall investment strategy. This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. Christopher Nyhan is a Financial Advisor with Edward Jones in Burnt Hills, NY. He serves as President of the BH-BL BPA and the BH-BL Rotary Club. He can be reached at 399-5087 or chris.nyhan@edwardjones.com.

If a

Tuna

stops swimming, it sinks


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PADGETT PATHWAYS The leaves are starting to change; the kids have been back in school for a month now, where does the time go? Daylight savings time will be here before we know it. 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: www.padgett-capitaldistrict.com, please check us out when you are online! This month's article will highlight 2 useful pieces of information: one on the rules of expense reimbursement, the other on proposed regulations for businesses who submit their own payroll taxes. Please feel free to contact us at any time if you have a question. (By phone, 348-1666, or email: j_sangaline@smallbizpros.com) EXPENSE REIMBURSEMENTS The general rule is that funds received in connection with services you render are included in your taxable income. Reimbursements of your out-ofpocket expenses, however, are another matter. Whether reimbursements are taxed depend on how you're reimbursed. If your employer requires you to submit a detailed expense report and reimburses you with the exact amount, then the reimbursement is not taxable, but your out-of-pocket expense is not deductible either. If you do not submit such a report, then the reimbursement is taxable, but the expense may be deductible. The same rule applies if you are an independent contractor. Your W-2 or 1099-MISC should include the reimbursement only if it is taxable. PROPOSED REGULATIONS TO INCREASE EFTPS USE Business owners, if you aren't yet paying the IRS through their electronic transaction system, you will want to start soon. Starting on January 1st, 2011, most taxpayers must start paying electronically. The IRS recently issued a few more proposed regulations that would eliminate the rules for making federal tax deposits by paper coupon, a system that will no longer be maintained by the Treasury Department after Dec. 31, 2010. The Electronic Federal Tax Payment System (EFTPS) is a flexible way to make tax payments - they can be made 24 hours a day, seven days a week, from home or office, phone or online. Business payers can even schedule payments up to 120 days in advance meaning the system significantly reduces the risk of late payment. Some businesses paying a minimal amount of tax may make their payments with the related tax return, instead of using EFTPS. More details regarding taxes required to be deposited using EFTPS, dollar thresholds and other specific requirements are in the proposed regulations. Want more information on either expense reimbursements or EFTPS usage? Please don't hesitate to give our office a call. 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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OCTOBER SCHEDULE 518-399-8174 E-mail: kdeangelo@sals.edu

SUPPORT YOUR LIBRARY - BECOME A FRIEND The Friends of the Town of Ballston Community Library invite you to show your support of our local library by becoming a Friend of the Library. We are trying to grow our membership, ensuring that the Library has a strong base of community support. October is the time to join or renew your membership. Membership forms are available at the library at any time or can be downloaded from the Library's website.

LIBRARY HOURS Monday -Thursday 10AM - 8PM Friday 10AM - 5PM Saturday 10AM - 2PM Closed Sunday ONLINE http://catalog.sals.edu or http://toblibrary.sals.edu YOUTH SERVICES http://toby.sals.edu E-mail: rdarling@sals.edu OCTOBER MEETING The October Meeting of the Town of Ballston Community Library board of trustees will be held at 7pm on October 27th in the library community room.

For more information about any of these programs, please visit us online at A special membership table will be set up in the library during National Friends of the Library http://toblibrary.sals.edu, on FaceBook, Week, October 18th - 23rd. Come learn of the perks enjoyed by our members and of the many ways the Friends of the Library enhance our Library through fundraising and advocacy. Stop by, or in person at 2 Lawmar Lane, Burnt Hills, NY. enjoy some refreshment and show your support!

STAY TUNED With Paul Hill

As a follow up to last months Stay Tuned article, Gary Brooks is performing at TJ's Flightline Pub in Glenville on Saturday, November 13th. He is going to show up with a great line-up of musicians that promises an evening to be remembered. We will be there so stop by and wish Cheryll a belated happy birthday! This month I am proud to offer up a band review on 4 guys from the Glenville / Burnt Hills. The band is called ENGLORIA and my guess is you will be hearing much more about them in the near future. I can say this with a degree of certainty from reading the press package they sent me and more importantly from listening to their CD. I was extremely impressed by the quality of the instrument mix and balance of harmony blended with the raw vocal power of the lead singer James Stewart, who pours his soul into each selection behind his seasoned piano attacks punctuating the heartfelt lyrics, hauntingly reminiscent of Train from my perspective. With spot on harmony provided by guitarist Devon Scott and a crisp kick from James's Brother, Brandon Stewart on drums and Michael Gleason providing a solid bass line, this foursome holds tight through each song, playing off each other as if they are reading minds.

The 6 track lineup on the CD entitled SUNDOWN certainly provides a glimpse into the possibilities that lies before this fine group of talented musicians and with the CD now available on I-Tunes, Rhapsody, CDbaby and Amazon as well as a host of other e-stores as well as retail music stores, look for ENGLORIA to be a local radio favorite soon. Stay Tuned...

SATURDAY, OCTOBER 9, 2010 - 9:00AM KIDS FUN RUN 9:45AM CERTIFIED COURSE Five kilometer run and walk on a looped, flat certified course. Age Categories: 0-10, 11-14, 15-19, 20’s, 30’s, 40’s, 50’s, 60’s, 70+ FEE $18 before Oct 1st, $25 after Oct 1st. Kids Mile Fun Run: $10. Checks payable to BH-BL Rotary MORE INFORMATION www.BHBLRotary.org or call (518) 399-2225 START & FINISH O’Rourke Middle School in Burnt Hills REGISTRATION Mail to: Paul Lewandowski 802 Route 50 Burnt Hills, NY 12027


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GET READY FOR WINTER - TIPS FROM GIL’S GARAGE Part of parenting is dispensing driving advice. For example, in icy weather young drivers may be told, “Take it slow. Don’t drive any faster than the speed at which you’re willing to hit a brick wall.” Thanks Mom. Thanks Dad. Driving slowly and cautiously is good advice, but the Car Care Council reminds motorists of other cold weather tips. The first and most important is to be proactive. That means making sure your car is mechanically sound before the temperature dips and the streets get icy.

hard starts, sluggish performance or rough idling, so make certain the engine is in peak condition. Check the cooling system, too. Coolant should be flushed and refilled every two years on most vehicles.

Oil Change Have the oil changed every 3,000 to 4,000 miles for most vehicles. For less wear and tear on the engine, drivers in cold climates (sub-zero driving temperatures) should be sure the oil weight used complies with manufacturer specifications. At Gil's Garage, our Engine and Cooling System courtesy visual inspections, done at no charge with First, if you’re a Do-It-Yourselfer, get under the hood. every oil change, are the 1st step for worry free winter Otherwise, visit your friendly automotive technician. driving. -continued on Page 20 Winter only magnifies existing problems like pings,


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-from Tips from Gil’s Garage on Page 17 Four other musts - The battery and exhaust system are other “must check” items. These should be examined using professional equipment. Make certain the heater/defroster are working properly and keep the gas tank full. In addition to staying ready for the road, a full fuel tank decreases the chances of moisture forming in the gas lines and possibly freezing. Exterior Concerns Now for the outside of the vehicle: tires, lighting, and wipers. Both tire tread and tire pressure should be checked weekly. If snow and ice are a problem in your area, consider special tires designed to grip slick roads. Lights should be inspected regularly. Check to see that bulbs are illuminated, and headlights are properly aimed. Finally, replace wiper blades every six months. Consider special snow blades if the weather dictates. Emergencies Even the most meticulously maintained vehicle can develop problems on the road, especially during inclement weather. That’s when it pays to be prepared for an emergency. The trunk- Use that big space for something more than a spare tire (which, incidentally should properly inflated, just in case). Pack items that would be needed if you got stranded for several hours. A cell phone (with a car charger) is a good start. Also include the following: ice scraper, windshield de-icer, flashlight, whisk broom, blanket, extra clothes, candle/matches, bottled water, snacks, needed medication.

Why do they lock gas station bathrooms? Are they afraid someone will clean them? -- George Carlin


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Scalloped Chicken

Goulash

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Herb Roasted Pork Loin

1 fresh 5-lb. chicken from Garafalo's Salt 3/4 c flour 1 loaf dry bread, available at Garafalo's 1/2 tsp pepper 1 tbsp leaf sage 2 c diced onions 3 c diced celery 2 eggs, beaten 1 can cream of mushroom soup Corn flake crumbs

1 tbsp olive oil 1 med onion chopped 1 can 35 oz whole peeled tomatoes or 2 28 oz cans 1 lb sweet (or hot) loose sausage 1 tbsp essentials seasoning 1 tbsp grated pecorino romano cheese 1 lb short pasta (small shells, elbows, zitis or fusilli twists) All the above ingredients are available at Garafalo's Market

Don't be afraid of the fat in this dish, its going to be cold soon and this is real comfort food! Place chicken in large kettle; add 2 quarts water and salt to taste. Simmer until chicken falls from bones. Reserve 4 cups broth; chill broth until fat is hardened. Remove and reserve fat. Cut chicken into bite- sized pieces; remove & grind up the skin Heat 1/2 cup chicken fat in saucepan; blend in flour. Add 2 1/2 cups reserved broth slowly. Cook over low heat, stirring constantly, until smooth. Add chicken to sauce. Crumble bread into large bowl; add 2 teaspoons salt, pepper, sage, ground chicken skin, 1/3 cup chicken fat, onions, celery, eggs and soup. Mix well; spread in large baking pan. Pour chicken and sauce over top; sprinkle with cornflake crumbs. Bake at 350o for 1 hour.

Preheat oven to 325o F. Thoroughly rub Start pasta water while sautéing onion a boneless pork loin with Garafalo's in a high sided frying pan with olive Mediterranean spice until evenly coated a oil, then add and brown sausage. Add nd place in an uncovered roasting pan in pasta to water when it boils and cook the middle rack of the oven and cook until according to package directions. internal temp reaches 150o, approx 2-3 hours Meanwhile add tomatoes to the frying Meanwhile, place sugar, cornstarch, vinegar, pan with onion and sausage and simmer. water, and soy sauce in a small saucepan. Add seasoning and grated cheese to Heat, stirring occasionally, until mixture tomato mixture and using a wooden begins to bubble and thicken slightly. Brush roast with glaze 3-4 times during the last spoon break up the tomatoes. Sauce will be slightly chunky. Drain pasta when 1/2 hour of cooking. Pour remaining glaze al dente and toss with tomato sauce and over roast, and serve with boiled red potatoes and grilled tomato slices meat. Serve with garlic bread. Enjoy. seasoned to your liking. Start to finish approx 20-25 min. All the custom spices such as the “Essentials, Mediterranean and Good Stuff” blends used in their recipes are available exclusively at Garofalo’s Market. Garofalo’s has full butcher shop offering fresh cut selections daily as well as fresh produce, cheeses,pasta’s and tomato products.

1-large custom cut fresh boneless pork loin from Garafalo's Mediterranean Spice from Garafalo's 1/2 cup Sugar 1 tbs Cornstarch 1/4 cup vinegar 1/4 cup water 2 tbs Soy Sauce Red potatoes Tomato Sliced


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SHOULD I SELL OR REMODEL? Maybe you've been feeling the need for more space, less space or just different space. You've been wondering - which solution will give me what I want with the least financial hit? Here's one gauge to use: Expect moving to cost about 10 percent of your home's current value. If your remodeling project can be done for less that that, stay and do it! But plan it with an eye on the potential resale value. Restraint is the order of the day. In today's market the likelihood of recouping many investments is reduced. Even in our local market where neither home prices nor valuations have been very volatile, appraisers are being cautious. Market experts are advising clients to be more careful about how they remodel and to address small “quality” items that will add value. There are a few low cost improvements that will typically see return on investment. One such improvement which is expected to bring a full return on your money is a mid-range entry door replacement - it doesn't cost that much, but is definitely proof of the adage - “first impressions count”. Other projects with good return are “freshening-up jobs” - e.g. refaced cabinets, new flooring or counters. Windows and siding also appear to have reasonable paybacks. As for other energy and/or resource-efficient home improvements, however, they may still be too uncommon to appraise near their cost. The National Association of Real Estate's Cost vs. Value Report 2009-10, reports the following as the top five remodeling projects, in this area, in order of percentage of cost recouped: • Entry Door Replacement (steel) 128.9% • Attic Bedroom 83.1% • Deck Addition Wood 80.6% Composite 70.9% • Siding Replacement - Vinyl 79.9% • Window Replacement Wood 77.3% Vinyl 76.6% To help you make remodeling decisions with confidence, consult with a Realtor familiar with your market and how and what buyers value in your market. Happy Halloween and remember - Whether buying or selling - it pays to work with a REALTOR! Mary Laviano, Realty USA Office Phone:(518) 370-3170 Voice Mail:(518) 370-3170 Ext.: Ext403 Cell Phone:(518) 461-5580


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SHOULD I GET A HOME INSPECTION? If you or anyone you know are under contract for a home and are unsure as to whether or not you should hire a home inspector, then this article is for you. Hiring an experienced home inspector is cheap insurance that goes a long way in informing you of the condition of your property and exposing any unsafe conditions that may exist. I thought that I was capable of performing my own home inspection when I purchased my first house so I inspected it myself; Years later after becoming an experienced inspector, I realized that I had overlooked many problems. Here are just a few of the important things that a home inspector should look for. Electrical - The inspector should examine the entire electrical system from the service to the individual outlets. The inspector should sample many outlets and look for non-grounded, reverse wired, or outlets with open neutrals. The inspector should also test the GFIs (Ground Fault Interrupters) and ensure that there are GFC in the properly locations like in the kitchen and bathrooms. The inspector should always remove the cover on the electrical panel box. This will allow the inspector to check for things like, more than one wire on a single breaker, burnt wires, etc. but most importantly to see if there is any “over-fusing.” Over-fusing is when the wire is rated for less than the circuit breaker that it is connected to and has caused many fires resulting in loss of life. This problem is fairly common and can only be seen by removing the electrical panel cover. Mechanical Systems - The inspector should look at the mechanical systems such as the heater, air conditioner and hot water heater. The inspector should test to ensure that the A/C works only if it is 65°F or warmer outside. The inspector should ensure that each room has adequate heating registers. The inspector should pay special attention to the venting of combustion equipment. I have seen many instances where the exhaust pipes were loose and could have easily become disconnect resulting in carbon monoxide entering the house. Structure - The inspector should examine all the visible structural members in the house and under decks and additions. This sometimes requires the inspector to crawl under decks and beneath crawl spaces (where the spiders are). The inspector should look closely for rot or insect damage on the beams and joists in the basement that support the floor. The inspector should look that decks are properly secured to the house and supported. Deck and railing failure is the leading cause of home structural accidents leading to injury and death. The inspector should also enter the attic and check the structure of the rafters, ceiling joists and plywood sheathing. There are many home inspectors available each offering a different degree of inspection quality. Therefore, it is very important that you choose your own experienced home inspector and not necessarily use the one that your Realtor recommends. You need to ensure the inspector is working in your best interest. Some Realtors only like to recommend inspectors that work fast and don't find many problems, so they don't loose the sale, that's why you should always choose your own home inspector.

PRESENT THIS COUPON FOR $20 OFF ANY HOME INSPECTION Brought to you by: Richard E. Nolan, PE THOROUGH HOME INSPECTIONS & ENGINEERING SERVICE Home Inspections • Structural Design & Drafting Services Home Additions • Garages • Decks • Three Season Rooms • Etc. Rich@ThoroughHomeInspections.com www.ThoroughHomeInspections.com (518) 376-0352

In addition to alot of dryer lint, a single bale of cotton yields 215 pairs of jeans of jeans.

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bills are on the way! Don’t get caught in the this winter!

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"Never go to a doctor Join us for our Tuesday Night Buffet and our Sunday Dinner comfort food offerings, the perfect ending to your busy weekend. We have created a unique menu offering simple dishes originally conceived and authentically prepared. You will feel as though you have stepped back in time as you dine in our historic Early American setting. From the great beams in the ceiling and the stone fireplace the Charlton Tavern is steeped in history. Couple that feeling of rich history with a modern kitchen and professional wait staff and you will have a dining experience unmatched in the Capital Region.

whose office plants have died." -- Erma Bombeck

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It’s never too early to shop for the perfect Christmas gift! There is no place like home, the Americana furniture and accessories at the Charlton shop will bring that feeling of warmth into any dÊcor. Built in 1787 our vine covered brick building is filled with fine furniture and seasonal accessories to compliment your home. Come in, sit down and let us work together designing the interior of your favorite abode.


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The couple maintains control of the outcome, be it separation or divorce. A community of legal, mental health and financial professionals working in a safe and comfortable setting to insure dignity, respect and full disclosure to create client-centered processes for resolving conflicts.

The Collaborative Divorce Association of the Capital District, Inc. For more information and a list of professionals, go to www.collaborativedivorceassociation.com


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OCTOBER CROSSWORD PUZZLE

1. A highly-emotional play 6. Become well 10. Threesome 14. Stream 15. Cocoyam

16. Apartment payment 17. Comment to the audience 18. All excited 19. Adjoin 20. Second-rate 22. Incarcerate

DOWN

1. Apothecary's weight 2. Ascend 3. Keen

4. Pertaining to pharmaceuticals 5. Ring of color around the nipple 6. Took heed 7. Border 8. Bother 9. Rational 10. Vagabond 11. Refute 12. Become accustomed (to) 13. Playful aquatic animal 21. Serene 23. Mixed-blood 25. Escargot 26. Central points 27. Ends a prayer 28. Let go 29. Diving bird 32. A yellow-green color 33. A guest cabin 34. Sound 35. Weightlifters pump this 36. Penny 38. Mature 42. Antelope 43. Very imposing or impressive 47. A city in the Ukraine 48. Subject 49. Country 50. Out of place 51. Adhesive 52. Tasteless 54. Water chestnut 55. Competent 56. Adolescent 57. Formerly (archaic) 60. A hand

Answers can be found on page 34

ACROSS

24. Clothed 25. A ceremonial staff 26. Cosmetic treatment of one's visage 29. Small annoying insect 30. Portent 31. Narrowly and conventionally moral 37. Fragrant wood 39. Floral necklace 40. Shop 41. Disqualified 44. Any minute 45. Asphalt 46. Powerful 48. A circus swing 52. The periodic rise and fall of the sea 53. Compassionate 54. Tear irregularly 58. Goddess of discord (Greek mythology) 59. Secular 61. Not drunk 62. Sail holder 63. Connection 64. Undersides of feet 65. Consequence 66. Irritable 67. Catkin

MORTENSEN MOTORSPORTS UPDATE FOR SEPTEMBER While preparing the car the following With the month of September signaling week for racing events at Fonda on the end of the 2010 racing season for Saturday and Sunday September 25 & 26 the Your Hometowne sponsored #1M of a broken hub was found on the car which Mark Mortensen he still got to the track may have caused the handling problem twice this month, once at his home back on the 18th. track Fonda Speedway and once at a The final two races of the 2010 season at track that he has visited only a few Fonda will be run on the 25th and 26th times before in his career which is the and Mark will try to qualify for both of Utica Rome Speedway in Vernon, NY. them, the one on Saturday being a On Friday September, 10 Mortensen modified feature and the race on Sunday traveled down the Thruway to the Utica being a Best of Four Sportsman Thunder Rome Speedway where he qualified Series event which will determine the easily in his qualifying heat race with a champion in the series for 2010. Going third place finish putting him in the into the Best of Four Sportsman Series third row at the start of the feature event Mark currently sits in the fifth event in the sixth starting position. Photo courtesy of Bill McGaffin Photography position in the point standings. Mark was up to the third position with only five laps to go when the bird cage spun on the left rear corner of the On Saturday September, 25 at Fonda Mark will also be awarded with the car allowing the body of the car to drop down on the tire and shredding it, Most Popular Sportsman driver for the 2010 season, an award that is voted on by the fans which makes it very special award to receive. After finishing forcing him out of the event. The damage that caused the bird cage to spin happened earlier in the event a career best second in points at Fonda in 2010 it will be the first time that when another car got into the left rear of the Mortensen #1M and when Mark has received the Most Popular Driver award making the season even the checkered flag flew Mark was credited with a 14th place finish which more special. was disappointing because he had such a good run going when the The 1M was consistent all season long at Fonda to this point with 14 top five and 15 top 10 finishes in a total of 16 events which gave Mark the damage to the tire occurred. Then on Saturday September, 18 at the Fonda Speedway Mark qualified second place finish in the final point standings despite not getting a win. fourth in his heat race and started eighth in the 25-lap Best of Four With the 2010 racing season coming to a close car owner of the #1M Sportsman Thunder Series event. Mark managed to miss a big wreck in turn Bonnie Mortensen-Szczerba will now begin to concentrate on the 2011 three early on in the event and nursed an ill handling race car to a fifth racing season. Anyone wishing to join the Your Hometowne Newspaper as a sponsor of the race car can contact Bonnie at 518-882-7011. place finish.


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See our ad on ! Page 22

Tom's Barber Shop 795 Rt 50 Burnt Hills 399.8411 Toms barber shop has been in business for over 50 years, the original owner Tom Marinello passed away about 17 years ago. His son ran it for about a year then Al Russo decided it might be an interesting business to venture into and decided to purchase it. Already running Hometown Auto Glass here in Burnt Hills, Al and Lisa Russo both worked at the glass shop while raising their children. They hired experienced barbers to carry on the tradition that Tom Marinello had created and the business remained successful while the Russo's children grew to be old enough to allow Lisa to attend Barber School and become a Master Barber.

Now the Russo's have two very successful businesses in our community and Lisa has hired another Master barber and an Apprentice barber to round out the staff. Lisa Russo and Kate Prochilo, Master Barbers and, Karen Massaro, Apprentice Barber specialize in men's hair styles and are very accomplished in military cuts, old fashioned tapered cuts, flat tops as well as all the current styles. All three women are licensed for straight razor use on mens faces and heads. Every man can leave with a smooth straightrazor neckline if they choose or something trendier if that is their style. Mondays are senior day for all men 65 and older and we are able to do Spartan logos and other hair tattoos for our sports enthusiasts. The relaxed atmosphere, abundant conversations and knowledge of current events makes going to Tom's more than just getting a haircut. As Lisa says, “most of all, I like making people feel better�. After all, everyone feels better after a hair cut. Lisa has always loved a challenge and to make a young boy feel comfortable in the barber chair while getting a hair cut gives her a sense of accomplishment, It may take a few visits for some, but when it happens, Lisa gets sincere satisfaction. As a family, the Russo's are very involved in the school sports and donate to community events. Al and Lisa are very proud and feel privileged to live and own two businesses in a great community; balancing old fashioned values while keeping up with the changing times, their children are the third generation of Spartans in the Russo clan.


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SEVEN TIPS TO AVOIDING FINANCIAL PITFALLS IN DIVORCE Disagreements about finances are often the biggest issue facing divorcing couples. The reality is that the cost of maintaining two households after the divorce is 25 to 50 percent higher than the intact household pre-divorce. The following tips may make ease the transition from one household to two: 1) Gather Information: Make a list of all of your assets: the home, retirement accounts, pensions, insurance policies, brokerage accounts, interests in small businesses, which may have to be appraised. Get a credit report prepared to obtain an accurate picture of credit card balances and debt. 2) Develop a “during divorce” and “post divorce” budget: list all of your regular expenses along with one-time large expenses (such as repairs to the house to prepare it for sale) that you anticipate during the divorce process. Determine your monthly cash flow, if you are spending more than you are taking in, it is time to make choices or tap into other assets to stay financially afloat. 3) Tax Issues: Consult a tax advisor about the advantages of tax filing status, dependency exemptions and the tax effect of certain transfers or sales of property during the divorce process. 4) Health Insurance: Once the divorce has become final, you will no longer be eligible for coverage under a spouse's health insurance policy, though most plans allow coverage to continue under COBRA. 5) Dividing the Marital Pie: In New York, property acquired during the marriage is marital property, subject to division in a divorce. The court is not required to make a 50/50 division of assets; “equitable distribution” means that the court has discretion to make an award of property based on its assessment of the parties' particular facts and circumstances. 6) Structuring a Settlement: A divorce settlement should address who is responsible for each and every item that the couple owes, is owed, or owns. A comprehensive settlement agreement is key to avoiding the drain of endless post-divorce court battles regarding division of retirement accounts, child support expenses, and the sale of the marital residence 7) Avoid Costly Legal Battles: Determine at the outset the method you will use to dissolve the marriage. Expensive court battles benefit no one and are not the only process available. A non-adversarial approach to divorce will benefit your children and your financial bottom-line. Collaborative divorce, in which each spouse retains a collaboratively-trained attorney skilled in alternative dispute resolution, is one option growing in popularity. Carolyn A. D'Agostino is a collaboratively trained attorney and mediator with offices at 21 Everett Road, Albany, NY, telephone (518) 489-1098. The information provided is for general purposes only. This is attorney advertising. The material in this article is provided for informational purposes only, does not constitute legal advice, does not create an attorney-client relationship, and is not guaranteed to be correct, complete or up-to-date. No person should act or rely on any information on this site without seeking the advice of an attorney.

A CNN Poll revealed that a majority of us, believe in ghosts.

A CHANGE OF SEASON As the cool crisp air brushes my face, I realize the lazy warm days of summer are gone. I am glad to have a new season to enjoy. I will say, autumn is my favorite time of the year. I look forward to a more “normal” schedule, packing lunches and driving back and forth to activities that my son belongs to. There is something about this season that is comforting to me; picking apples, baking pies, wearing my favorite brown boots, and adding that nice cuddly blanket to the end of the bed that keeps my feet warm as the nights cool down. The trees begin to shed their leaves to conserve vital nutrients, but not before giving us a valiant colorful display of reds, gold and warm yellows. I feel like a bear getting ready to hunker down for the winter. The change of seasons is in a way a change for us as well. We are forced to adapt and adjust. We do things that we have not done for a long time. We light candles that burn and fill the room with the smells of fall; autumn leaves, apple pie, and cinnamon rolls with a hint of vanilla. A bushel of fresh picked apples lays in wait in our garage to be made into jellies and jams, turnovers and pies. We even change the décor of our homes, warming the entrances with wreaths made of sunflowers, maple leaves and grape vines and dish towels that match the vibrant leaves as they change. We change out our clothes, packing away our colorful shorts and replacing them with turtlenecks and sweaters. I have even changed out my sock draw - goodbye little white ankle socks with the dragonflies on them and hello big, bulky wool socks that usually read L.L. Bean across the toe. It is a welcomed change. I was getting bored of those little white socks anyway. The change of season has come just in time. I am ready to sit and have a cup of hot cider rather than an iced coffee. I am ready for the leaves to crunch under my feet as we hike through the woods. I am ready to hibernate under my “snuggie” with a good book. Oh, yes I will miss the sand and surf of summer, knowing I will be back there before you know it. But for now, I will enjoy the colorful scenery, the smell of fresh baked sweets and the cool breezes of fall against my cheek. As always, I wish you peace, joy, a warm cuddly blanket and many apple turnovers! Pattie Rakvica • idriveaware@gmail.com


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GEEK TIP OF THE MONTH TIPS ON BUYING A PERSONAL COMPUTER

MOMS Club of Burnt Hills - Ballston Lake

OPEN HOUSE The MOMS Club of Burnt Hills-Ballston Lake is hosting a Costume Halloween Party Open House for interested mothers and their children on Wed, Oct27th from 10am-2pm at The Lutheran Church of the Good Shepard on Rte 50 in Burnt Hills. Food and refreshments will be served. RSVP to MOMSClubBurntHills@gmail.com or 631-4633. For more information e-mail, call, or visit our website momsclubbhbl.blogspot.com

Answers from Crossword Puzzle on page 31

Buying a computer is a major purchase and you should study the options carefully. The two main types of computers and operating systems are the PC (Windows) and Macintosh. FACTORS TO CONSIDER: How will you use the computer? Knowing how you'll use your computer will help you determine what type of minimum requirements the computer needs to have. For example, computers that run graphic design programs generally need more memory (RAM) than computers used for simple word processing operations, such as email and searches. How Much Should You Spend? Depending on your needs, be prepared to spend between $400 to $600 for an entry-level average PC desktop or laptop computer. A Net-book, which is a small limited laptop, costs under $300. A new monitor will cost between $110 to $200 for an LCD screen. Printers vary from $39 on up depending on the functions it provides. Buy from a Reputable Dealer. Before you buy your next computer, check the warranty. One year is average and that is usually fine for a desktop PC, but with laptops you should take out the extended warranty for a couple more years. Will the technician come to you or do you have to bring the machine in? Here are some basic computer terms that will help you understand what the salesman is talking about: CD/DVD RW-ROM Drive: CD's and DVD’s store lots of data and are used to install new programs, and back-up personal data. Be sure to keep in mind how important it is to back-up your files and pictures regularly!! CPU: The CPU, or central processing unit, is the brains of the computer. The higher the numbers the faster the computer will run. The latest PC Intel chips are core i-3, core i-5, core i-7. Operating system: This is the software that is needed to run the computer. Today’s latest is Windows 7. Home premium is a good choice. If your new PC comes with re-install disks… great! If not, when your PC tells you to burn recovery disks….DO IT! Hard Drive: The hard drive also is called the hard disk. You'll probably never see it because it is nestled inside your computer. It's the computer's electronic filling cabinet, and it stores the computer's operating system, personal files, programs and documents. Average size today is 250 to 500 gigs of space. RAM: Computers save data in two ways: on the hard drive (permanently) and in random access memory (temporarily while the software is running). New computer buyers should look for models with at least 4Gigs of RAM. Make sure that the computer can be upgraded. Make sure to install or have installed anti-virus and malware/spyware programs that run daily as soon as you start using your new PC. As always.... safe computing. Maggie Faltskog, Cheap Geek Computer Services, 399-8886


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