Your Hometowne December 2014

COMPLIMENTARY DECEMBER 2014

DECEMBER SALE To show our appreciation to our customers... we will deduct the amount equal to the sales tax from all purchases!

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yourhometowne@gmail.com l 518.265.1105

yourhometowne@gmail.com l 518.265.1105

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399-9951

745 Charlton Road, Charlton

www.charltontavern.com

Social networking at the Tavern couldn’t be easier with WIFI

Relax with Bobby Van Detta Sundays 5-8pm

Have you been Good?

Santa will be making a tableside appearance... on the afternoons of December 6th & 7th and 13th &14 in the tavern!

Handcrafted Berry Holiday Wreaths and Mantle Trimmings Cozy Rooms full of American Made Sofas, Chairs & Wood Furniture Country-Style Curtains & Rugs Woven Table Linens Lamps, Lighting, Shades... ALL AT AMAZING PRICES!

745 Charlton Road, Charlton

Holiday Hours: Tue-Wed-Fri-Sat 11-5pm • Thurs-11-6pm • Sun -12-3pm

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yourhometowne@gmail.com l 518.265.1105

yourhometowne@gmail.com l 518.265.1105

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yourhometowne@gmail.com l 518.265.1105

yourhometowne@gmail.com l 518.265.1105

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We do the laundry for you... Wash‘N Fold Service!

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A message from The holiday season has officially started, Thanksgiving is behind us and Christmas is only weeks away. This is when many of us try to do way too much and lose track of the fun that we are supposed to be having. It is the holidays after all! And so the stress begins… but you can lesson it for yourself.

Remember you are 1 person.

There may be pressure to be everything to everyone. Remember that you're only one person and can only accomplish certain things. Sometimes self-care is the best thing you can do - others will benefit when you're stress- free. Take your dog out for a walk, take time out to listen to your favorite music or read a new book. All of us need some time to recharge our batteries - by slowing down you will actually have more energy to accomplish your goals. Keep your goals realistic, you may not be able to decorate your entire house in a day. It's OK. The people who care about you would much rather sit and enjoy your company than to see you for 5 minutes in a perfectly decorated house.

Practice staying in the moment.

When you are with family and friends stay with them. Mentally.

Don't play with your cell phone or drift off into thoughts of what you need to do in an hour. Cherish your time with them.

Don't spend money that you don't have . If you are on a tight budget then come up with ways to gift that doesn't break the bank. Be honest with your family, you cannot give to everyone. Make family rules and stick by them, especially if you have a large or blended family. Our rule is we buy for the grand children and each couple gets 1 gift for the house. Trust me, your kids will appreciate it because it takes pressure off of them as well. If that is still too much give them a card with a gift certificate for 4 hours of your time. You could babysit or help reorganize a room, time is more valuable than anything you can out a ribbon on.

Shop local and save.

When you are buying remember our local shops have a huge variety of gifts under $20. I love to give spices, I buy them at Basic Foods- Eileen has jars you can fill and label, print out a nice recipe you know they will enjoy to use the spices you are giving and viola, you have a thoughtful useful gift to give your favorite cook. Locally made Adirondack Candles are priced way below their competition and have a huge variety of smells. As you peruse through this issue you will see over 100 locally owned and operated businesses. Each and every one of them is paying taxes and keeping the lights on in Your Hometowne. Give them the gift of your business.

Notice the beauty in the small things.

Beauty can be as simple as watching your pet stretching lazily by the fireplace. Beauty can be found in the eyes of a senior citizen as they tell you stories of their youth, or a grandchild teetering over to you grinning ear to ear. You need to slow down to see these things.

Take care of you. It is the best present you can give to those who love you, they need you to be happy and so do you.

Have a wonderful Holiday Season, Merry Christmas and Happy New Year! ~Cheryll, Paul, Karen, Randy and Al yourhometowne@gmail.com l 518.265.1105

About the Cover The wreath in the picture adorned the entryway of the Jone-Shorey house that stood at 54 Lakehill Rd. Built in 1793 by Ebenezer Jones, the homestead remained in the family for over 200 years.

The structure no longer remains but thanks to Rich Lannon we can look back in time at the door that greeted generations of a family in Burnt Hills.

Rich Lannon, owner of Watersong Gallery captures life’s greatest moments with his lens. Visit his site at photographybyrichlannon.com to see his work. Rich photographs weddings, candid family shots and nature. He can be reached at 399.6325

Comments and Input – Paul and Cheryll 280.5260 Advertising – yourhometowne@gmail.com or 265.1105 hometownepaul@gmail.com or 265.1104 Design – kgarriso@nycap.rr.com or 883.3872

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SIGHT IS A PRECIOUS GIFT Think about all the things you're doing today.

How many of those things are dependent on your eyesight?

We often take our ability to see for granted.

Over 100 million light-receptive cells in our eyes work together to give us images of the world around us. Our eyesight is second only to our brain function in terms of complexity. Although modern science has found ways to transplant hearts, kidneys, and skin, we can't yet transplant eyes.

The optic nerve is just too sensitive and complex to reconstruct.

There is a common misconception that if a person sees well, their eyes must be healthy. In fact, many serious, sight-threatening eye diseases, such as glaucoma, diabetic retinopathy, macular degeneration and retinal detachment may actually have no early warning symptoms. Fortunately, optometrists have the skills to detect many of these eye conditions in their early stages. Protect your eye health with regular eye exams.

We appreciate that you allow us to be your lifelong partner in doing that. We are grateful for the honor and opportunity to serve you, and your family, neighbors and friends.

Imagine if you could help a child read. An adult succeed in his job. A senior maintain her independence.

In just about any dresser drawer, one can find a pair of eyeglasses that are no longer being used. That same pair of eyeglasses can change another person's life. If you have used eyeglasses you no longer need, you can donate them now.

For the month of December when you donate a pair of old glasses to the Lions club through our office, we will give you a $25 voucher towards the purchase of a new pair*.

(Lions accept prescription and reading glasses, sunglasses and plastic and metal frames. Children's glasses are especially needed) As you go about your life today, think about how things would be different without your vision. Would you be able to do the same things? How does vision enrich your life? Make sure that you cherish your eyesight. Come in for regular eye exams and keep your prescription updated, Thank you for trusting us to take care of your vision. *(Maximum 2 vouchers per person) For more information contact Kristen Cameron, Burnt Hills Optical, 793 Rt. 50 Burnt Hills, 399-6130 or visit www.burnthillsoptical.com

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DECORATING TIPS FROM THE SPECKLED HEN Welcome to The Speckled Hen's monthly article, where I introduce you to new projects and fun ways to decorate your home. This month I have a simple project for you - clove oranges. A traditional holiday décor and they smell great!

During your next trip to the grocery store, buy some oranges and a can of cloves. You can find whole cloves in the spices aisle. When you get home, spread the cloves out in a dish so you can pick out the best pieces. Take one of your fresh oranges and push the clove into it. If you are having a hard time poking through the peel, use a small nail to poke holes in the orange and then insert the clove. If you are feeling creative, make a pattern. If not, place them randomly all over the orange.

Once you've completed a few oranges, place them in a bowl with pine and berries. You're done! And good news - they won't mold because the cloves help preserve the orange as it dries. So enjoy - there's nothing quite like the smell of clove oranges for the holidays!

“Men's Night” will be on Wednesday, December 17 this year. It's always a fun night and a great chance for some last minute shopping. I'll be open until 8 PM with beverages and snacks - I hope to see you there!

I am wishing you all a peaceful and joyous holiday!

Maureen Culver • 369.8771 38 Saratoga Road, Scotia • thespeckledhen38@gmail.com

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yourhometowne@gmail.com l 518.265.1105

yourhometowne@gmail.com l 518.265.1105

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CHARITABLE GIVING PAYS OFF...

FOR EVERYONE Americans are pretty generous — in fact, 83% of us donated money to charitable organizations last year, according to a Gallup survey. And now that we’re entering the holiday season, charitable giving well may be on your mind. Your key motivation for making charitable gifts, of course, is to help those organizations whose work is meaningful to you. However, by supporting these groups, you can also make life less “taxing” for yourself.

Specifically, by making charitable contributions, you may be able to receive some valuable tax breaks. To claim a deduction, though, you need to itemize your taxes, and you need to make sure that the organization you’re supporting is qualified, from a tax-deductibility standpoint. If you’re unsure whether a group is qualified, just ask to see its letter from the IRS. (Many organizations now post these letters on their websites.)Here’s how the charitable tax deduction works: If you give $200 to a qualified charity, and you’re in the 25% tax bracket, you can deduct $200, with a tax benefit of $50, when you file your 2014 taxes. Consequently, the net “cost” of your donation is just $150 ($200 minus the $50 tax savings).Of course, you are not confined to making cash gifts. In fact, if you donate certain types of noncash assets, you may be able to increase your tax benefits. Suppose you give $1,000 worth of stock in ABC Company to a charitable group. If you’re in the 25% bracket, you’ll be able to deduct $250 when you file your taxes. And by donating the ABC stock, you can avoid paying the capital gains taxes that would be due if you had eventually sold the stock yourself.Keep in mind that if you want to deduct your contributions for the 2014 tax year, you’ll need to make your gifts by Dec. 31. One more reminder: Retain your paperwork. If you made gifts totaling over $250 to any single charity — or noncash contributions of any items worth over $500 — the IRS requires written acknowledgments for your contributions.If you want to take a longer-term approach to charitable giving, while incorporating your gifts in planning for your estate, you might want to consider establishing a charitable remainder trust. Under this arrangement, you’d place some assets, such as stocks or real estate, into a trust, which could then use these assets to pay you a lifetime income stream. When you establish the trust, you may be able to receive an immediate tax deduction based on the charitable group’s “remainder interest” — the amount the charity is likely to ultimately receive. (This figure is determined by an IRS formula.) Upon your death, the trust would relinquish the remaining assets to the charitable organization you’ve named. This type of trust can be complex, so to create one, you’ll need to work with your tax and legal advisors.While the tax benefits associated with charitable giving are significant, they should not, ultimately, drive your gifting decisions. You should also consider the effect your gift will have on the other areas of your estate considerations — so make sure you communicate your plans to your family members.In any case, though, be as generous as you can this holiday season and in the years to come. Your generosity will be a rewarding experience — for everyone.

Christopher Nyhan runs the Edward Jones office in Burnt Hills, NY. This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. Chris can be reached at 399-5087 or chris.nyhan@edwardjones.com.

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WHAT IS YOUR UNDERSTANDING OF KARMA? Let's talk about karma coming from a fear-based perspective versus a loved based perspective. Sometimes the perspective or lens we choose to look through can drastically change how we feel about something. It can also effect how we relate to and apply a concept to our life.

A fear-based perspective of karma often looks and feels negative. We've all heard the old adage; “You reap what you sow” or “Karma is a B****” This approach implies that you are judged for your actions, that karma is a consequence. This is how many of us are conditioned to think. While karma is like the natural law of cause and effect, we don't have to remain bound by the chains of negative karma.

From a love-based perspective, karma is a gift. It provides opportunities for our soul's growth. This perspective of karma also lends itself well to creating more light and peace for you and for the world, as we know it.

The more good you practice towards yourself and towards others, more good will be the result. The caveat here however, is that you must manage your expectations in the process. Meaning, when we do something good we should do so simply because we wanted to, not because we have the expectation of getting something in return.

Harboring this type of expectation means you are doing the deed for selfserving purposes, not because you wanted to do something good for someone or something else.

This time of year things can get quite busy and stressful. Bad weather, family gatherings, heavy traffic, overly busy parking lots, crowded stores, long lines, etc. It's a wonderful time to be a beacon of light to those around you. Come from a place of love when dealing with your Self and with others. Good deeds can be as simple as holding the door open for someone whose hands are full, letting someone go ahead of you in that busy parking lot, if you can, assist a charity, family or person in need. Do these things because you want to, because you know your small actions are creating positive ripples in the universe we all share. When you're feeling stress, frustration or negativity look for the lesson in that moment. Not to sound too cliché, but find the silver lining. In every moment there is something to be thankful for, a small or maybe large chance to grow. Holding on to stress, anger or negativity is damaging to your Self. Be kind to your Self, try and find a way to change your perspective. Work on letting go of these negative emotions instead of keeping them in or transmitting them to others. In the moments when it seems the most challenging to do so are usually the best opportunities to create big change.

STUDIO NEWS • Please join us at our Open House on December 13th from 1-4pm!

There will be door prizes, snacks, tea, and a FREE - All Levels yoga class from 4-5:15pm.

• For the month of December we will be taking donations for Things of My Very Own, Inc. They are a non-profit organization that assists children in crisis situations.

• Visit our website www.lilanandayoga.com for more information.

Jennifer L. Venditti, CYT • Lilananda Yoga www.lilanandayoga.com 470.5240 • 585 Saratoga Road • Glenville

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SAM SPEAKS...

BY SAM CAPUANO

OF GROCERIES, NAME CHANGES AND GHETTOS What's in a name? Or, perhaps, is it Image is Everything?

Both of these phrases rattled around my brain this week when I read the stories of the Golub Corporation's ambitious plans to re-brand their Price Chopper Supermarkets as Market 32.

And, by ambitious I mean they are pouring $300 million into the change, which they are predicting will take upwards of eight to nine years to complete.

The question is, why? This isn't the Golub's first change. They got their start in the 1932 (hence the Market 32 name, by the way), with the Publice Service Market, soon to be called Central Market. Then in the 1970's they decided to change things around and introduce the Price Chopper name.

I can remember those original stores, with the logo of a hatchet smashing through a Liberty Head silver dollar. That was until some folks with far too much time on their hands decided such an image was demeaning towards women, and forced them to change to the current, headless coin with just stars around the circumference.

When I moved to the BH-BL area in 1975, the Price Chopper name was still very new to most. It was and is one of the main places around here for folks to buy their groceries from their East Glenville locations for decades.

But, of course there were other choices during this time as well. Perhaps the biggest competition to our Price Chopper in those days, and for many years, was the Grand Union in Burnt Hills. This survived for decades, until the corporation ran into financial trouble, and this store, along with similar sized ones in Ballston Spa and Saratoga (which had two) amongst others closed for good in the early part of this century.

Interestingly enough, none of these closed stores were replaced by other grocers. Not for lack of trying. I remember Ballston Spa Mayor John Romano actively looking for another supermarket when Grand Union closed, and all chains, including Price Chopper declined. This wasn't too long after another name from the past, IGA, shut its doors on Low Street in Ballston Spa (it was replaced by Manna's and now serves as Augie's Restaurant home), leaving the village without a major spot to buy groceries.

So, how do you fill a boarded up Grand Union? Well, there is a Dollar General on the Burnt Hills location, Ocean State Job Lot in Ballston Spa, Empire State College on the Saratoga West Avenue site, and a new hotel going up on Congress Street in Saratoga (after Off Broadway Theatre & Grill was there was for years.)

Old habits die hard, however. It is not uncommon for those in the BH-BL to describe the strip mall now anchored by Dollar General as the Grand Union plaza. Laugh at me if you want, but use that term to someone older than 40, and they'll know what you're talking about.

There were other places as well. Not that far from the East Glenville Price Chopper was the Albany Public Market, a place my mom frequented. The Albany Public chain was later bought out by Weis Markets and many locations, like this one was closed. This particular structure remained vacant for quite a while after, and thus was also quite an eyesore.

As were many Price Choppers, by the way. When I lived in Albany two of their stores in the capital city picked up the unfortunate “Ghetto Chopper” nickname due to their run down condition, as did the one on Railroad Place in Saratoga Springs. That latter location saw the wrecking ball a few years ago, replaced by a shiny new Bow Tie movie theater.

And, the Golubs then built a newer, upscale Price Chopper a few doors down. A win win.

It is perhaps this model which they will be looking at as they switch over to Market 32. Let's see if their customers are willing to take to the switch as well.

See you next month, in the mean time you can catch up with my blogs at http://samspeaks21.blogspot.com

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TRENDY I UPSCALE I AFFORDABLE

GET $5 OFF YOUR PURCHASE OF $25 OR MORE! Must present this ad. Expires 12/23/14.

Re-imagine your wardrobe.

Re-love your clothes.

Re-ward your wallet.

Double M

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518.885.9543 ROUTE 67, BALLSTON SPA Open Tuesday-Saturday 10am-5pm CONVENIENTLY LOCATED RIGHT NEXT DOOR TO THE DOUBLE M TACK STORE. Yo u r H o m e t o w n e l D e c e m b e r 2 0 1 4 l 1 7

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YOUR HOLIDAY SURVIVAL GUIDE It's here - whether you're ready or not. Just look at the seasonal shelves in your favorite store.

Retailers like to call it 'holiday season' but let's be more accurate.

Weight Gain season begins now and runs straight through New Year's.

The next month will bring ample opportunity for you to expand your waistline. Of course the choice is yours.

Now is your opportunity to plan for the weeks ahead. Once the craziness begins, you'll be too busy to put a plan into action.

So let's take this moment of clarity, this calm before the storm, to outline a two-part plan that will save your waist from unwanted holiday inches.

PART ONE: YOUR EXERCISE PLAN. Exercise is the first thing people cut when they get busy, and the holiday season is notorious for empty gyms. This year do something different-obligate yourself to exercise. Promising to yourself won't do it, you need to promise to others so that you won't drop the ball.

• Sign up to work with a fitness expert - This is the perfect solution for consistent, challenging and effective workouts. I'll give you the attention and assistance that you need to power through the holidays in better shape than ever - talk about motivating!

• Join a class - You won't be as effective exercising on your own during the busy holiday season, so join a class for accountability.

• Get a serious exercise buddy - Some friends can be an awesome help while others end up pulling you down. When looking for an exercise buddy consider the following questions: • - Do they share your fitness goals?

• - Are they fairly encouraging?

• - Do they give up easily?

• - Are they at your fitness level?

PART TWO: YOUR DIET PLAN. The holidays offer ample opportunities to indulge, so you need to hammer down some guidelines before hitting that buffet line. I'm not saying that you shouldn't indulge in any seasonal treats, but use moderation.

Don't bring edible treats to the office or to parties. You know that the leftovers will come home and you'll end up eating far more than your share. This year do everyone a favor by not gifting fattening treats.

When faced with a buffet line, load your plate first with greens, vegetables and lean meats before breads and heavier foods. Also drink water with your meal and keep alcoholic beverages to a 2drink maximum.

Beware of holiday drinks - most are brimming with calories. Hot drinks from coffee shops, cocktails at parties and creamy eggnog are all very enjoyable and all filled with empty calories.

Everywhere you go during the holiday season brings you face-to-face with a plate of sweets. To avoid being a bore but without adding inches to your waist, try the one treat rule. Each time you're in a social situation that involves sweets just eat half of one, and enjoy your treat slowly.

If you approach the holidays with the mindset of, 'I deserve to indulge and I shouldn't have to exercise' then you'll enter 2015 a few pounds heavier, a little less healthy, and with lower energy than ever before.

I'm here to help - call or reply to this email to set up a fitness consultation with me. I'd love to show you how to transform your body over the weeks to come.

Call 424-7878 or email gina@precisefitnessandtraining.com Get started today with a free consultation.

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JOHN A. FANTAUZZI is a partner in the law firm of Englert, Coffey, McHugh & Fantauzzi, LLP located in Schenectady, New York where he has practiced law since May of 1996. John received his Juris Doctorate and Master of Public Policy from the College of William and Mary in 1995 and was a member of William & Mary's National Trial Court Team. John also graduated Magna Cum Laude from Siena College with a Bachelor of Arts in Economics.

Englert, Coffey, McHugh & Fantauzzi, LLP is a full service law firm. John's areas of practice include Real Estate, Estate & Elder Law Planning, Estate Administration, Traffic Violations and Civil Litigation.

John is a member of the Real Estate Committee and chaired the Estate Planning and Elder Law Committee for 5 years of the Schenectady County Bar Association. He also is a member of the Saratoga County Bar Association, New York State Bar Association and the Federalist Society.

John has been a Hearing Officer for the Surrogate Decision Making Committee that reviews proposed medical treatment for disabled persons since 2003.

John has spoken before various groups on the subject of Estate Planning.

John is a member of the Burnt Hills Ballston Lake Business Professional Association, Glenville Knights of Columbus and the Rotary and was a volunteer with the Saratoga County Youth Board from 2006-2010.

John will be writing articles on estate planning and administration, real estate and other areas of law. You can reach John by phone at (518) 3704645, fax at (518) 374-5422 or e-mail at jfantauzzi @ecmlaw.com. John is available to meet clients in Burnt Hills and in Schenectady.

Burnt Hills and Schenectady (518) 370-4645 • jfantauzzi@ecmlaw.com

ADVERTISE WITH US. Get your ad copy in by the 15th of each month and get a discount.

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TRASH TALK Happy Holidays to Everyone! A special note of thanks and gratitude to all of our new and existing customers! 2014 was a really great year for our company with many new and lasting friendships created…this is why we do what we do and it is our goal on every pick up. I also want to express my appreciation to all the local Our Towne and Your Home Towne publishers, whose tireless dedication to putting out these excellent publications really helps local businesses grow and prosper. Thank-you all!

Our company is Scrapster, LLC, the Capital Region's premier Clean Out, Junk Removal and Scrap Metal/Appliance Removal and Recycling service. We are a local family owned business and cater to both residential and business customers within a 50 mile radius around Albany, NY. We are fully insured, convenient, and reliable and always provide top Quality work. Everything is properly recycled, disposed of or donated.

I started in 2010 with one truck (a Ford Ranger… one step above a shopping cart) and my driveway doubling as a storage depot (see Wife = not happy). Today I have several employees, 4 trucks and 10,000 square feet of warehouse recycling operations. This year we passed the 1.5 million pound mark in processed scrap metal and our ever expanding clean out, furniture and junk removal services are really taking off. Look for us to keep growing this year THANKS TO YOU! Scrapster is an official New York State DEC approved location for business or personal computer and electronics recycling. We are fully EPA608 certified for Freon (refrigerant) recovery and removal from refrigerators, freezers, air conditioners, dehumidifiers and coolers. We are doing our part to help protect the environment both now and for the future.

A competitor once asked was I “…still going down into basements?”

The answer is and always will be: YES! “Don't Worry, We Can Take It!” isn't just our company slogan, it is the back bone of what we do. Large or small, easy or difficult…we try to go where others won't, to take out the things they can't, anytime we have to, to get the job done right… safely, correctly and on time.

Please call us at (518) 505-5055. We'll remove the items from exactly where they are located-you don't need to do a thing. Please Like Us on Facebook and visit our website at www.scrapster.com for more information, specials & coupons, recycling information, or to schedule an appointment.

Vincent Coppola, Owner of Scrapster Scrap Metal Removal/Recycling Service

“Be yourself; everyone else is already taken.”

-Oscar Wilde

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HAPPY HOLIDAYS!

LOOKING TO HIRE! A responsible adult willing to cook, plate and possibly serve Breakfast, Lunch, Pizza and other items on our menu.

Some experience is preferred but not necessary.

Wages based on experience. Available hours are flexible.

Please apply in person.

“It's the most wonderful time of the year” to sell your house and to buy one too! No, I am NOT kidding, it's true. If you remember, I said this same this last year! The inventory is low right, now. It's been a good year for both resale and new construction. Buyers who are out shopping are serious. It's cold outside, no one goes out browsing.

WANT TO SELL? Here's a few things to think about.

In many cases homes show better during winter months. It is easy to create a 'homey feel' in the winter because you spend a lot of time home during the winter. Nothing seems homier than walking in to wonderful smells coming from the kitchen - think cookies! If you have a fireplace, light a nice fire, aside from creating warmth, it can give a whole house a cozier and relaxed feeling - think ambience. Holiday decorations make your home feel festive and happy as long as you are careful not to hide your homes best features with too many. When it comes to decorations - think simple. You want your potential buyers to be able to come in and get emotionally attached to a home, and be able to envision their family in the space. Be sure not to cover your homes best features, if you have exceptional woodwork or an open staircase don't overdo the garland, you want potential buyers to see your home's best features!

Think savings- historically, mortgage rates dip a bit in December and January. Lenders, attorneys, title companies, home inspectors etc…are not as busy as they may be during other times of the year. Additionally many people take time off during the holiday season. Not only do SERIOUS potential buyers have more time for “house hunting”, they're getting a good deal on their mortgage and have the ability to close quicker creating a financial win/win for everybody in the game.

If you're really not ready to put your house on the market now, then at least start planning. If you're considering upgrading your appliances or fixtures before selling, there are some pretty amazing deals on these items right now. Don't delay, go save yourself a few hundred dollars and buy them now! If you're putting off selling until you 'get organized' - the time is right now! You're going into your storage areas to dig out your holiday decorations anyway, get some plastic storage boxes (they are on sale everywhere now) and organize the rest of your stuff while you are there. This will make storage areas appear neat, organized and larger Whether you are considering buying, selling, or both and whatever stage you may be at, I'd like the opportunity to work with you toward that goal. It's never too early to give me a call for your 'no obligation conversation'. As a professional Realtor, I will work with you from prequel or staging to closing and everything in between. Give me a call @ 399-2100, I look forward to it!

Margaret Phillips, CBR, Broker/Owner 518.701.1657 • margaret@oldeorchardrealestate.com www.oldeorchardrealestate.com

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FRUIT OF THE SPIRIT ANNUAL HOLIDAY BENEFIT

Providing Holiday Gifts, Food and Necessities to over 60 Families right here in Schenectady County!

Saturday December 13th ••• 7-10 pm Featuring Music by the

PRO TONES

Silent Auction, Awesome Music & a Rockin’ Good Time!

EVENT HIGHLIGHTS LOCAL BUSINESSES AND RAISES MONEY FOR THE GUARDIAN HOUSE On Friday, November 7th, a very special Women Helping Women event took place at Precise Fitness & Training. The fitness center was filled with vendors from Scotia/Glenville to Burnt Hills and beyond. The theme of the event was to provide offerings, presentations, and information for women about businesses in the area that focus on balancing the mind and body. In addition, all proceeds were donated to the Guardian House, a home for female veterans who do not have a home of their own.

Begun in 2008, The Guardian House Program is a historical home in Ballston Spa that houses up to eleven female veterans who do not have a home of their own - Female Veterans who have served our country so bravely. This program represents a unique resource for female veterans after their return to the United States during their recovery and re-building their lives.

The event was a win-win-win for all involved.

Participants were presented with information,

samples, tastings, presentations, drawings, raffles, coffee and tea, fruit and cheese and crackers! Vendors were able to display goods and services and share their expertise about their business. And, finally, the Guardian House received over $1,000 from this first Women Helping Women event.

The list of vendors includes Amy Aldrich Agency, Eileen's Basic Foods, Kellman Karate, Lilananda Yoga (pictured left), Making Faces, Mary Kay, Natures Healthiest Organic Flavor Sparkling Spring Water, all Organo Coffee, The Balanced Root, Vitality Health Center, Young Living Essential Oils, and Zerona Laser Body Contouring. Your Hometowne donated all of the print ads promoting the event. Also present at the event was an employee of the Guardian House and one of the female veteran residents of the Guardian House, who also enjoyed the evening of presentations and vendor offerings.

The first of several presentations started off with Denise Podbleiski from Making Faces, who talked about Optimal Skin Health, followed by Jennifer Venditti of Lilananda Yoga presenting the effectiveness of yoga and stress reduction while Jamie Snyder (Young Living Essential Oils) discussed the benefits of Massage and oil. The participants also had an opportunity to learn some self defense and defensive tactics from Sensi Kellman (Kellman Karate) and Glenville Police Officer Nethaway. And if all of this was not enough, there were more presentations made by Dr Tim Maggs on 'Making Tomorrow a Better Day,” and Amy Aldrich on the financial wellness for women. The evening of presentations was brought to an end with Tami Adams as she gave a very inspirational speech about paving your path to success.

There were also numerous raffle prizes for the event. These were donated by Agape Eye Care, Charlton Tavern, Eileen's Basic Foods, Lilananda Yoga, Making Faces, Precise Fitness & Training, Schrader and Co., Silpada by Marie Tripoli, Vitality Health Center, and Young Living Essential Oils.

PRECISE FITNESS • 424-7878 • 809 ROUTE 50 BURNT HILLS • gina@precisefitnessandtraining.com 2 4 l Yo u r H o m e t o w n e l D e c e m b e r 2 0 1 4

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Since 1904 the Garofalo Family Has Been Privileged To Provide Our Honored Customers The Very Best.

From Our Family to Yours, We Wish You A VERY MERRY CHRISTMAS AND A HAPPY NEW YEAR! Sausage Bread with Roasted Red Peppers

Simple Sausage Cheese Ball Appetizers 1 1/4 lb Garafalo's Italian sweet sausage loose (uncased) 1 cup buttermilk baking mix 11 ounces shredded cheese, either Cheddar or Fontanilla preferably available FRESH at Garafalo's Preheat oven to 250째F. Preheat oven to 375째F. Mix all ingredients and form into 1 inch balls.

Place on ungreased cookie sheet and bake for 15 minutes. Enjoy! Makes 2 dozen.

Garafalo's, the taste people travel for!

Stop in and visit the 4th generation, serving QUALITY ITALIAN PRODUCTS since 1904. www.garofalosausage.com

Why fuss?

Garofalo's will do all your prep and stuff a boneless center cut pork loin roast with their famous sausage stuffing for your Holiday meal!

We will provide you the perfect roast that will serve from 2 to 20.

Call us or stop by for details.

1 lb Garafalo's Italian Sausage loose (uncased) (1 pound) loaf frozen white bread dough, thawed 4 ounces cream cheese, softened 2 cloves garlic, minced 1 (7 ounce) jar roasted red peppers, well drained and sliced - available at Garafalo's 1/3 cup Kalamata olives, pitted and sliced available at Garafalo's 2 cups Garafalo's shredded mozzarella cheese 1 teaspoon poppy seeds (optional) In a skillet, brown sausage until no longer pink; drain. On a lightly floured surface, roll bread dough to a 16-inch x 12-inch rectangle. Transfer dough to a greased baking sheet. Combine cream cheese and garlic, spread lengthwise over center third of dough. Top with the sausage, peppers, olives and cheese. Fold dough over filling, pinching seam to seal. Make slits across top of dough every 2 inches. Brush lightly with water and sprinkle with poppy seeds. Bake at 400째F for 20-25 minutes or until golden brown. Let stand 10 minutes before slicing.

Looking for Fish for your traditional Christmas Eve Feast? Pre Order your Fish from us!

PORK Pork Chops Center Cut Bone in or Stuffed Pork Tenderloins* POULTRY Skinless boneless Chicken breasts Chicken Cutlets or Stuffed Chicken Breasts*

SIGNATURE ITALIAN SAUSAGE Hot or Sweet; Rope style or Patties Meatballs and Bragoiles Kielbasa, Chorizo, Andouille, Bratwurst, Daisy Hams & Thick Sliced Bacon CUSTOM CUT BEEF Filet Mignon, Rib Eye Steaks Choice NY Strip Steaks Choice

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COLD CUTS Featuring Battistoni Salami, Capicola, Soppresata & Abruzzi *Our own bread crumb and sausage stuffing

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HOME SWEET HOME Your home is one of your largest assets so don't assume you have the coverage you need without really being sure as this could cost you thousands of dollars. Homeowners Insurance provides you with a lot of options to match your unique needs, but sometimes all that choice can be confusing. It's important to understand that not all Homeowners Insurance policies carry the same coverages.

If you own a home you need the protection of a Homeowners Insurance policy. A well-written Homeowners Insurance policy will pay to replace any of your personal property (your contents) and your Dwelling (your house) that are destroyed in a fire or other disaster. This policy will also be your first line of defense against a lawsuit from someone injured at your home.

The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer (the insurance company) and what coverages (endorsements) you have.

GUARANTEED REPLACEMENT HOMEOWNERS INSURANCE GUARANTEED replacement is a coverage that guarantees that in the event of a loss your home will be replaced.

GUARANTEED replacement coverage is very different from replacement coverage. This specific wording will be listed next to the dwelling amount on your insurance declarations page. Please take a look at your policy and remember that replacement cost is NOT, GUARANTEED replacement cost.

Most insurance companies have changed their products and/or coverages significantly and have removed the GUARANTEE replacement coverage. There are less than a handful of companies that will still offer this GUARANTEED replacement homeowners insurance coverage in New York.

My staff and I are available to do a review of your insurance and explain the coverages to you.

Guaranteed Replacement Homeowners Insurance is a coverage that can ensure you are able to replace your home in case of an unexpected event.

What would happen if your home and your prized possession had just burned to the ground and you lost everything?

Do you want to avoid this situation for your family?

Let Lighthouse Insurance Agency help you. We represent one of the last companies in New York that provides the guaranteed replacement coverage on homes. If your policy has a dwelling amount of $250,000 and there is a loss, your home may cost $350,000 or more to rebuild. With guaranteed replacement, you will receive $350,000 or the actual cost to rebuild your home and get you back to where you were before your loss!

Your policy deductible most likely will be waived as well!

From a business standpoint I am sure you can see why most of the major insurance companies have removed the GUARANTEED replacement cost coverage from their policies. With an unknown dollar amount to be paid out the insurance company cannot charge you premium on this, they can only charge you premium on the dwelling amount listed on your policy.

There are so many things that happen in this world that you have no control over, for example the cost of lumber and the cost of labor ect. The only thing you can be sure of is what insurance coverage you have. I have had four clients with losses that needed to use this GUARANTEED replacement cost coverage. In each of these cases they received more than $200,000 over the listed dwelling amount coverage on their declarations page. This saved them from having to go and get a loan for an additional $200,000.

Please contact us today and let's make sure that your largest asset, your home, is properly protected. We would never want you to incur a financial hardship simply because you thought all Homeowners Insurance coverages were equal.

There is no place like Home Sweet Home so together let's make sure you have the coverage you deserve. Wishing all of you a very happy and safe holiday! - Jen Longtin

See more at: WWW.LIGHTHOUSEINSAGENCY.COM

You might be expecting that your out-of-pocket cost will be your policy deductible of $1,000, however your Insurance Company has advised that your actual out-of-pocket expense will be $125,000 plus your $1,000 deductible because you have replacement cost and NOT Guaranteed Replacement on Dwelling.

How did this happen?

Your Dwelling amount coverage limit on your policy is $250,000 but the actual incurred cost of your loss is $375,000.

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OBSERVING DANCE CLASSES

Girl talk is an international non-profit peer-to-peer mentoring program where high school girls mentor middle school girls to help them deal with the issues they face during their formative early teenage years.

The group is to help young teenaged girls build self-esteem and develop leadership skills.

This program is open to any girls in grades 6-12 in any school district.

Please join us every Wednesday at 6:15 at the Burnt Hills United Methodist Church. Please contact Erin @ girltalkbhbl@gmail.com for more information.

53 MAPLE AVE • SCOTIA www.animalprotective.org

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I've heard all of the reasons why most dance schools do not have an open observation policy, allowing parents to observe class all the time if they wish. Unless class space is limited, parental observation of class has lots of benefits.

Being a former elementary school teacher, I have always believed that parents need to know what's going on in the classroom. And, yes, even when I taught elementary school the parents of my students knew they were welcome in my classroom at any time. If a teacher is prepared, confident and sure of what is happening in her classroom, wanting parents to be aware of that is a natural thing. In the dance business world, it's the best form of advertisement.

My only rule for parents who observe class is that they do so quietly, without talking to each other once class begins, so that we have a respectful audience for the dancers. I understand the argument that some students might be distracted by observers. It's true, but when they learn not to be distracted by observers it's a very powerful thing. As dancers we learn to be focused and ignore external distraction if it occurs. I tell dancers that if the president of the United States walked into the room, I wouldn't know, because I am so focused on the dance activity that is happening.

The argument that shy students are intimidated by observers is also a valid argument. However, when the most shy student experiences observers over time, and is allowed to step onto the dance floor when they feel ready, enticed by many creative dance options, all of a sudden that shy student has conquered a fear that further empowers them to succeed. It's exciting to watch youngsters make that step.

My dance parents comment all the time on how relaxed and happy my students are as they observe them on stage at our dance shows every Spring. That's because my dancers are used to observers and they learn to tune them out in order to focus on making their dance more important. In doing so they make their dance a gift to all who observe.

Ginny Martin • Modern Dance with Ginny Martin 518-399-5802 • www.ginnymartindance.com www.danceclassathome.com

“God created war so that Americans would learn geography.”

-Mark Twain

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DECEMBER CROSSWORD PUZZLE

16. ___ vera 17. France's longest river 18. Multicolored 19. Anagram of "Ties" 20. Made without yeast 22. Care for

DOWN 1. Bantu language 2. Black, in poetry 3. Dirt 4. Container weight 5. Cut of meat

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6. Court of appeals 7. Collectively 8. Away from the wind 9. Blush 10. Composition board 11. Change 12. Accomplishing 13. Squalid 21. Ampules 25. What a person is called 26. Figure (out) 27. "Do ___ others..."

28. Bucolic 29. Permissiveness 34. Guideposts 36. Margarine 37. Talon 38. Song of praise 40. Midmonth date 42. Faked out an opponent 45. Break up 48. A poor city district 51. Half of six 52. Listened to 53. Cooktop 55. Sofa 58. A fitting reward (archaic) 59. Not stereo 60. Prima donna problems 61. Naked 62. T T T T Answers can be found on page 34

ACROSS 1. Gustos 6. Not fully closed 10. Cushions or mats 14. Submarine 15. Barbershop emblem

23. A man's skirt 24. Power 26. A set of garments 30. Completely 31. Apprehend 32. Annul 33. Puts down 35. Cadge 39. Hairdresser 41. Perfectly 43. Anagram of "Doles" 44. Border 46. 500 sheets 47. Regulation (abbrev.)

49. Writing liquid 50. Not up 51. Convulse 54. Hurried 56. Warmth 57. Avatar 63. Hindu princess 64. Orange pekoe 65. Style 66. Therefore 67. Canvas dwelling 68. Positive pole 69. Biblical garden 70. Probabilities 71. Snouts

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518-399-8174 • kdeangelo@sals.edu

PRESCHOOLERS Tuesdays, Dec 2nd, 9th, & 16th - 10:30AM - Music Medley Join us for a family style sing along led by our favorite musician Miss Terri! This 30 minute sing-along is for preschoolers of all ages.

This is a drop in program and siblings, parents, grandparents and friends are welcome!

ELEMENTARY Thursday, Dec 4th - 4PM - Brown Bag Book Club A brand new book club! In December we're discussing Andrew Lost. For grades 1-2. *Registration required, please pick up a copy of the book at the circulation desk.

Thursday, Dec 18th - 4PM - Booking Through Fiction Book Club A fiction book club just for kids in Grades 3 & 4. In December we're discussing How To Train Your Dragon. For grades 3-4. *Registration required, please pick up a copy of the book at the circulation desk.

TWEENS AND TEENS Friday, Dec 12th - 4PM - Book Buzz Book Club A Book Club for kids who love to read and do crafts! In December we're discussing The Julian Chapter. For grades 5-7. *Registration required, please pick up a copy of the book at the circulation desk.

ADULT SERVICES/COMPUTER CLASSES Wednesday, Dec 10th - 6PM - Apps for all Looking for app ideas? Learn how to locate and download apps.

Share and learn about new apps and how to use them. Feel free to share, ask questions or simply observe. Bring your mobile device; tablet and/or smartphone and app store account login information. *Registration Required Thursday, Dec 11th - 11AM - Microsoft Word 2010 Overview Introduction to the basics of creating and manipulating simple documents: cut/copy/paste, spelling correction, formatting, fonts and more! *Requires mastery of basic mouse navigation.

Thursday, Dec 18th - 11AM - Microsoft PowerPoint 2010 Overview An introduction to POWERPOINT presentation graphics software program. Create a basic slide presentation including sound and special effects. *Requires mastery of basic word processing skills.

Tuesday, Dec 30th - 6PM - OverDrive for Tablets Did you get a new tablet as a present? Want to borrow library books on your tablet? Come learn how to install OverDrive to your tablet to borrow e-books and e-audiobooks from the library! *Registration Required ADDITIONAL CLASSES AVAILABLE! VISIT US ONLINE! Christmas Eve (December 24th) - closing EARLY at 2PM Christmas Day (December 25th) -Library CLOSED New Year's Eve (December 31st) - closing EARLY at 2PM New Year's Day (January 1st, 2015) - Library CLOSED

HOURS: M-Th 10AM-8PM / Fri 10AM-5PM / Sat 10AM-2PM ONLINE http://catalog.sals.edu or http://toblibrary.sals.edu YOUTH SERVICES http://toby.sals.edu EMAIL rdarling@sals.edu

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DID YOU KNOW? During your lifetime, you'll eat about 60,000 pounds of food, that's the weight of about 6 elephants!

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IT'S BEGINNING TO LOOK A LOT LIKE CHRISTMAS...

FACT. The first Harley Davidson motorcycle was built in 1903, and used a tomato can for a carburetor.

Festival of Trees

Friday December 5th Noon - 5pm Saturday December 6th 10:00am - 4pm Sunday December 7th Noon - 4pm Ballston Town Hall, 323 Charlton Road, Ballston Spa Bloodmobile Saturday 10am - 2pm Musical entertainment all three days!

Businesses and organizations are invited to enter a decorated tree.

Call 399-1362 or 399-5990

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Answers from Crossword Puzzle on page 30

Burnt HillsBallston Lake

Jack Frost is nipping at your nose. Chestnuts roasting on an open fire as Mel Torme sings yuletide carols.

The tree stands tall. The angel, now tattered, is still cheery and bright. The soft glow of the red and green lights fill the room and I find myself dreaming of a white Christmas. As I looked outside the treetops glisten.

I wait, hoping to hear sleigh bells in the snow. The moon on the new fallen blanket gave a luster to all the objects below.

I return to put the last string of popcorn around the tree. My feet are up and I am enjoying the warmth of the wood stove as the flames dance to Bing Crosby in the background. I am feeling quite holly and jolly. I made my list and checked it twice now it is time for a cup of cheer. The candy cane colored santa mug holds a nice stiff cup of hot cocoa with extra marshmallows. My eyes glancing at each ornament and their special placement. I lean my head back, drifting off with visions of sugar plums and wondering if reindeer really do know how to fly?

I heard a clatter and sprang from the couch. Threw the shade open to see what it was all about. It appeared to my wondering eye, a little man and a sleigh with eight tiny reindeer. I knew it was St. Nick. Thankfully, I was good for goodness sake. He sparkled and twinkled. I thought how merry. His cheeks like roses and his nose like a cherry. He laughed and laughed and jiggled and wiggled. As he spoke not a word and winked his eye, he turned and was gone. I rubbed my eyes and thought to myself..."yes, reindeer can fly." As I made my way back to the couch and my cocoa, I heard in the distance a faint jingle. Sleigh bells and a cheery jolly voice saying "all is calm and all is bright, Happy Christmas to all and to all a goodnight!"

I have written this column for six years now and with each I end it with the same closing.

As always I wish you peace, joy and I hope you have yourself a very merry little Christmas!

Pattie Rakvica • idriveaware@gmail.com

yourhometowne@gmail.com l 518.265.1105

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“Be careful about reading health books.

You may die of a misprint.” -Mark Twain

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• Fully Insured • Free Estimates

GET CLEANED UP FOR FALL AND THE HOLIDAYS!

SAVE $80

$20 off your first 2 cleanings $40 off your 3rd cleaning

Expires 12/31/14. For Residential or Commercial Services

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The most affectionate creature in the world is a wet dog.

-Ambrose Bierce 4 2 l Yo u r H o m e t o w n e l D e c e m b e r 2 0 1 4

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ECRWSS Postal Customer