washington county news 2/12/15

8/9/2019 Washington County News 2/12/15

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Napaul Publishers, Inc. February 12, 2015

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Many U.S. universities have research farms – it’s an important component to their agriculturecolleges, in fact. Recently, the Best College Reviews website made an honest attempt to objec-tively rank these university farms. They surveyed more than 50 colleges to determine the results.Ranking criteria included the following:·Farm Size · Integration with the Main Campus · Sustainability · Are courses taught at the farm?·Do students use the farm? · Integration with the communityThe resulting “best of” list showcases the diversity and innovation on U.S. universi ty farms. Hereare the top 20. For a more detailed descrip-tion of each one, visit http:// www.bestcollegereviews.org/best-univer-sity-farms/.20. University of New Hampshire [live-stock, mixed crops]19. Cal State Chico [livestock, mixed crops,flowers]

18. Berry College (Ga.) [livestock, herbs,mixed crops]17. Berea College (Ky.) [mixed crops, live-stock, microlivestock]16. Duke University [mixed crops]15. Yale University [mixed crops, poultry]14. Central Carolina Community College [mixed crops]13. Western Washington University [mixed crops]12. University of California at Davis [mixed crops]11. Evergreen State College (Wash.) [mixed crops, sheep, poultry]10. California Polytechnic State University [mixed crops]9. Clemson University [fruits, mixed crops, flowers]8. Michigan State University [mixed crops, fruits, herbs, livestock]7. UC Santa Cruz [mixed crops, fruit]6. College of the Atlantic (Maine) [mixed crops, livestock]5. Butte College (Calif.) [wine, livestock, mixed crops]4. Hampshire College (Mass.) [livestock, honey, syrup, dairy, hay]3. Deep Springs College (Calif.) [mixed crops, fruits, livestock]2. College of the Ozarks (Mo.) [mixed crops, fruits, livestock]1. Warren Wilson College (N.C.) [mixed crops, livestock]Most people outside of North Carolina have probably never heard of this small liberal arts college.

What makes it’s farm No. 1?For starters, students have a mandatory Work Program that helps them earn $3,480 toward the costof tuition each academic year. Many opt to work on the school’s farm – a mixed-crop and livestockoperation that is managed as a working farm.The 275-acre farm also includes beehives and an heirloom orchard. A CSA and farmer’s marketfurther connect the college to the local community.

ON THE FARM by Andy Manne

This week’s ag report issponsored by:

TWO BEDROOMAPARTMENT FOR RENT

IN SCHUYLERVILLEW/D hookup.

$675/mo plus utilities.Security, references required.

518-695-3136

FOR RENT:Granville, NY.

1 & 2 bedroomapartments.

Offering $200 Off 1 months rent!

Starting at $545.Water, sewer,

on-site laundry,trash, snow &

garbage removal.1-845-436-1215

CAMBRIDGE, NYLuxury 3 bedroom, 3bath home adjoining

State forest.Gated off street parking,

newly renovatedkitchen,

stainless appliances,granite counter tops,

washer/dryer, A/C.Ground and snow

maintenance included.$1250 plus utilities.

Call evenings.1-518-854-9840.

OUT OF COUNTY BUYERWANTS A FARM!Reasonablly priced. Call Al atBryce R.E. at 518-441-4353.

NEED TO SELL YOURHOME OR PROPERTY?List with us at a fair price. If we don't sell your home wewill pay your $500. AlKonieczny at Bryce Real Es-tate Call for details.

518-441-4353.

NYC BUYER WANTSWATERFRONT HOMEOR CAMP. Good price.Call Al at Bryce R.E.518-441-4353.

OFFICE SPACEAVAILABLE

1100 sq ft, South Argyle, NYIdeal retail location, also.

518-638-8950.

HOUSE RENTGREENWICH:

Clean. 2 bedroom, privatecountry setting. W/D hookup.$800/mo + security.

518-692-8258.

HEDGES LAKE LOT FORSALE: 10' dock space in-cluded on water. $19,000.518-858-2786.

APARTMENT FOR RENTN SCHUYLERVILLE Up-tairs over bakery Cafe. No

ets. 518-695-3564 andeave a message.

WANTED: LAND TOLIST, suitable for hunting/farming, with or without a

house. MichaelCraigCampbell Realty518-642-2274

EAST GREENWICHon Battenkill.

Stylish 2 BR, double livingroom, spacious kitchen,

W/D hookup,private garden, garage.

$700 plus security, lease.No pets.

ALSO: Sunny 1 BR, $575.

518-854-9285

RENTAL: One bedroom, W/D, porch,/ to yard. Very clean.$575/month. Security andreferences required. Veryclean 518-695-3274.

WE ARE BUYINGCOUNTRY PROPERTY

Farms, WoodlandsVacant Lands &

Water-frontCall 518-638-6484 or518-747-7722 eves

SCHUYLERVILLEONE BEDROOM

APARTMENT FORENT includes heat, lights,ater and sewer. $700/mo

518-338-8311

TWOAPARTMENTSAVAILABLE.

One on the first floor; oneon the second floor; both

two (2) bedrooms.27 Main streetGreenwich, NY

518-791-3001

AND OR FARMWANTED: Top price paid.Out of country buyers. Callryce Realty 518-271-7630

CORLEW REALTY2243 Coach Rd.,Argyle, NY 12809

518-638-6473Serving Washington &

Warren CountiesSandra Corlew,Broker/owner

THREE BEDROOMHOUSE FOR RENT: Cor-ner of Wilbur Ave and Route40 Easton. $1000/month plusutilities. Central air and heat

(propane). All appliances in-cluded. Well water. Greatviews. Two year minimum.518-695-5000.

ONE BEDROOM APTFOR RENT: Country settingin Schuylerville. Includes heat,electric, water/sewer, lawnmaintenance and snow plow-ing. $775/mo. 518-338-8311.

SEEKING RURAL HOMEFOR RENT Mature coupleseeking rural property for rentor lease purchase. Old farm-house, fixer upper or mobilehome ok. Must be pet friendlyand horse friendly is a big plus!Please call or text 518-253-4756 or email [email protected]

IDEAL RETAIL OROFFICE SPACE FORRENT. Route 40 South Argyle;busy road; 1100 sq ft. $700/mo. 518-638-8950.

HOUSE FOR SALE: 4 bed-room, brick, dead end road,large yard, wood and oil heat.

Call 518-854-7731. $85K. Sa-lem, NY.


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Beecrofts, LLC 518-753-4402

Eliminate your heating billswith an OUTDOORWOOD FURNACE.

from Central Boiler.

Adirondack Seafood Co.

115 River Street Hudson Falls

Stop in or Call in your order, today:

518-745 - 5845

Ash Wednesday is the first day of Lent, the season of preparation for the resur-rection of Jesus Christ on Easter Sunday.

Keeping with the traditions of Lent we offer

•The freshest Seafood Lunches andDinners at our Cozy Maine Style

Restaurant where you can obtain our specialty: All You Can Eat Fish Fry!

• Homemade Clam Chowder • Fried or Boiled Fish and Seafood by the

Pound To Go from our •Premium Fresh Fish Market

Stop in or Call in your order, today:

518-745 - 5845

DUTCHAVEN GOLF COURSEAND SPORTS BAR

located at 3167 Route 67 inBuskirk, New York

518-753-7533

JOIN US ON VALENTINE’S

EVE

IT’S A FRIDAY THE 13TH

VALENTINES PARTY

•FEATURING THE BAND

THE LINEARS

A Sports Bar Where Love Is

Not Just A Side Dish!

BAND SAWNAIR DRIED

PINE LUMBER.1x's and 2x's.

Most sizes onhand. Also, kiln

dried HardwoodFlooring in Oak,

Cherry andHickory.

Pratt's Sawmill.518-677-5609,

leave message.

HAIR CUTS AND STYLES- Carol Alderman, licensed hair dressernd owner of Hair Care in Berlin, continues to offer reduced pricedair cuts and styles right at our senior center. Carol will be availablen Wednesday, February 18th, make your appointment early – they

o fast! Please call the center for required appointments 279-3413.All Rensselaer County seniors are welcome.

NIGHT AT THE

BREWSEUM- Night at the

Brewseum will take place on

Friday, March 27, from 6-9:30

pm at the New York State

Military Museum. This is a

great evening to come andsample dozens of different

kinds of beers and wines from

our local region. All proceeds

go to benefit the Friends of the

NYS Military Museum and

Saratoga Springs Lions Club.

Tickets are on sale now online

through Brown Paper Tickets;

tickets will be available at our

gift shop soon.

BRIAN GIBNEY OF CAMBRIDGE NAMED TO DEANS' LIST AT HUDSON VALLEYCOMMUNITY COLLEGE- Brian Gibney of Cambridge was recently named to the Dean's Listat Hudson Valley Community College for the Fall 2014 term. Each fall and spring, the college'sDeans' List honors those students who have a term grade point average between 3.0 and 3.49.Gibney is in the EMT-Paramedic academic program at the Troy, NY college. Founded in 1953,Hudson Valley Community College offers 75 degree and certificate programs in four schools: Busi-ness; Engineering and Industrial Technologies; Health Science; and Liberal Arts and Sciences; andan Educational Opportunity Center for academic and career training. One of 30 community collegesin the State University of New York system, it has an enrollment of more than 12,000 students, andis known as a leader in distance learning initiatives and workforce training. Hudson Valley has morethan 75,000 alumni.


4/20


WE WANT YOUR CANS

AND BOTTLES!

Open M-F 8-4:30 PMSat. 8-3:30 PM

Sun 9-1 PM

WE ALSO HAVECOMMERCIAL SPACE

FOR RENT

334 Pleasant St

REDEMPTION CENTER

BENNINGTON VERMONTJust off Main St

Call: (802)-442-9886 We happily take Bottle Drives

2005 PONTIAC G6 SEDAN$4,995.004 Dr, Auto, Loaded

2004 JEEP GRAND CHEROKE$3,995.00Special Edition, 6 Cyl,Auto, Loaded, Leather, Pwr. Roof

2008 PONTIAC GRAND PRIX$5,850.00V6, Auto, Loaded

2004 CHEVY Z71 PICKUP

Xtracab, 4x42002 CHEVY 2500 HD

$4,995.00Xtra Cab, 8 Ft. Bed,

4x4, V8, Auto

1 TON DUALLY PICKUP$14,700.004x4, Reg. Cab, 8 Ft. Bed

1999 CHEVY XTRA CAB$3,995.003rd Door, 4x4, Auto

2005 FORD ESCAPE XLT$6,995.004x4, V6, Auto, Clean,Loaded, Moonroof2003 SATURN L300 WAGON

$4,995.00V6, Auto, Loaded

2005 FORD F-150 CREW CAB$7,995.004x4, V8, Auto, Loaded

2001 DODGE 1500 XTRA CAB$3,995.004x4, V8, Auto, With Plow

M anley’s Restaurant

Route 4, Kingsbury, NY • 747-0023Winter Hours 7am-8pm M-Sat

Sunday 7am-7pm

Valentine’s Day Specials:

SHRIMP SCAMPI ..........$1295

Choice of Soup or Salad

PRIME RIB! ...................

King Cut....................$1725

Queen Cut.................$1525

Choice of Potato & Veg or

Soup & Salad.

Served 4pm-8pm

Homemade Desserts

4

WIFI

Seniors 10% Off Every Wednes-day ....ALL Day!

‘06 SATURN VUE

V6, AWD,

Sunroof,

Cruise,

New Tires,

Only 110K

AFFORDABLE !

$ 4,495

24 HOUR TOW-

ING518-854-3000

• NYS Inspections • Lube • Oil • Filter• Brakes • Shocks • Alignments • Tune-Ups

• Air Conditioning • Autobody • Glass• Computer Diagnostics

• NYS Inspections • Lube • Oil • Filter• Brakes • Shocks • Alignments • Tune-Ups

• Air Conditioning • Autobody • Glass• Computer Diagnostics

New extended hours on Saturdays.Open 8-4. Please call for additional details.

4’X5’ ROUND BALESFOR SALE:

1st cutting. Stored inside.Delivery available.518-235-9192.

SLATE WANTED: Used slateon or off the building. Also newand used slate for sale. Call 802-265-3200.

WANTED: Standing timber,wood lots. Fully insured. Call518-692-2109

SCRAP TIRE REMOVALCall for pick up or drop off service available. 518-686-9621 Hoosick, NY

CASH: For crank phonographs, early 78's,cylinder records, parts.

Call 798-5612

SCRAP REMOVALNothing too big or too small.

Just call and I will removal all.518-761-6901 or

518-879-0054

2001 VW BEETLE 100,000miles; good condition; new tires.$4000. 518-260-7832.

GET NEXT YEARSFIREWOOD NOW!Very reasonable rates.

Call (802)-394-2565 or(518)-598-2376

2003 CHEVROLET 1500.Reg. Cab, 2WD, Auto,

Air Conditioning,AM/FM Radio, 88,000 Miles,

Good Condition.Call 518-747-7485.

SPECIALTY LUMBERTable tops, mantle pieces, rus-tic furniture stock. Select gradehardwood lumber, includingbutternut, cherry, oak, ash,birch, etc. Call 518-494-2747.

TIRES FOR SALECar, Truck, Dump Truck,

Tractor trailer.NEW & USED.

CHRIS CONNOLLY421-3608753-4542

OR SALE: ArtisanoHighlights brown leather sofa,hair, ottoman. Excellentondition, used for guestouse furniture. No pets andmoke free, Paid $6,000, asking2,500. Call 518-321-873.

2001 VW. FOR SALE: highmileage. $4000.

518-683-8309

SEASONED FIREWOOD518-692-2971

BLACK MALE LAB FORSALE: Mother is AKC andOFA certified. Call to see andfor price. 518-632-2037 or307-7197.

FIREWOOD FOR SALE: full cord, local, unseasonedHardwood, cut and split. 518-692-2109


5/20

Napaul Publishers, Inc. February 12 2015

A COMFORTABLERETIREMENT WITHOUT

MONEY WORRIES IS A GOALEVERYONE STRIVES FOR

SOONER OR LATER.But even if you don’t quite have the motivation to save aggres-

sively for retirement yet, do yourself a favor and don’t damageyour path to financial independence too severely. Here are a fewdisasters you need to avoid, which will make your life mucheasier when you are interested in preparing for your future:Marrying a spendthrift. Marrying a spendthrift is a big no-no if you ever want to amass a solid nest egg. It’s incredibly difficult,

if not impossible, to save enough for a comfortable retirementunless both you and your significant other are on the same page.In fact, money problems always rank high in the reasons whypeople get divorced.Getting into credit card debt. Don’t swipe your credit cards with-out thinking it through. Credit card debt can creep up on you, andbefore you know it you will amass a huge balance. A purchasehere, a swipe there and you’ll be paying so much interest you’llneed to work significantly more to achieve the same goal one day.That’s why even credit cards with 0 percent interest for over ayear can be dangerous. Many people end up racking up a hugebalance they cannot pay off, which results in even more creditcard debt when the rates reset higher.Failing to develop a savings habit. You may not feel like savingaggressively, but at least put something away. Even a dollar everypaycheck is a good start. If you have a 401(k) at work, stronglyconsider taking full advantage of the match. Also consider tuckingsome after-tax dollars into a Roth IRA to get some tax-free growth.Eventually, you’ll want to increase your savings, and it’s mucheasier to increase the amount later than to start a completely newhabit.

Worrying too much about others. There’s always going to be anurge to keep up with appearances, but all you’re really doingwith those purchases is strengthening your chain to your job.The worst side affect of increased consumption is that lowering itback down once you get used to it is much harder. The choice isyours: Would you rather buy more stuff or have the freedom tochoose who you work for and when you need to work?Having no idea where the paycheck went each month. Manypeople don’t track how much they spend, but it’s easy to cut outexpenses that add no value to your life when you know whereeach dollar is going. And even if you don’t want to put it all insavings, you can spend more on areas that actually make youhappy. When you are less stressed you could become more pro-ductive at work and end up making more money, a bonus thatkeeps on giving.Visit MoneyNing.com for more personal finance discussions. Thissite also helps readers decide whether a 0 percent balance transfercard is worth signing up for and keeps a good list of helpfulpromotion codes.

HOW TO BOUNCE BACKFROM ADVERSITY

Sometimes bad things happen, in life and in your finances. A jobloss or medical condition can lead to foreclosure, bankruptcy,divorce. These events delay prosperity.Oftentimes the cause of the problem is beyond your control. Butyour actions after a crisis can determine how badly — and tosome extent, for how long — your finances will be affected.Follow these tips to bounce back as quickly as possible fromthree types of adversity.Emerging from bankruptcy. Avoiding bankruptcy can be toughif your income doesn’t come close to covering your monthlyobligations. Before you get to the point of no return, pay attentionto warning signs that you’re heading in that direction. The writingmay be on the wall “if you’re borrowing money constantly fromfamily in order to pay your bills or if you’re getting notices of garnishments on the job,” says Kevin Chern, president of TotalAttorneys in Chicago.“Only by doing a detailed analysis of your debt-to-income ratioand your ability to impact a change in your expenses or incomeare you going to get an idea of whether you should considerbankruptcy,” he says.Ironically, it may be easier after a bankruptcy to rebuild yourcredit than it would have been before you filed, Chern says.With a clean slate, you have no outstanding debt and you can’tfile another bankruptcy case for eight years. You may look like abetter credit risk — maybe not a good risk, but a better one.Rebuilding your credit will be vital to your economic recovery.“If you do take steps to be responsible after filing the bank-ruptcy, it’s not going to necessarily take 10 years for you to startrebuilding your credit,” says Chern. However, the bankruptcywill hang around on your credit report for that long.Controlling your spending is the best way to begin rebuildingyour finances. Turning off lights, eating at home, using publictransportation or carpooling as much as possible are all small

changes that can have a big impact on your finances overall.“You have to know what you spend to identify where you’reoverspending and use that to keep a budge t, and then be commit-ted to living within that budget. Plus, start a savings plan,” saysChern. Chern says to rebuild credit, you should consider getting asecured credit card from your bank which allows you to chargepurchases against your savings account. Creditors will more likelyoffer you a loan in the future if you demonstrate you can respon-sibly use credit.Flourishing after foreclosure. Some 13.16 percent of mortgagesare in foreclosure or at least one payment past due, according tothe Mortgage Bankers Association’s National DelinquencySurvey. If the lender is amenable, taking a loan modif ication maybe a lifesaver for homeowners drowning in debt. A loanmodification will change the terms of the origina l loan.Though it’s always been an option, the housing crisis made loanmodification a common concept. Plus, the Obama administration’sHome Affordable Modification program, part of the Making HomeAffordable plan, streamlined the process for lenders to modifyloans, but did make the rules for homeowners somewhat compli-

cated. The best place to start is by speaking with your lender todetermine your options. “If you are about to go into foreclosure,talk to your mortgage company as soon as you foresee an issuewith them. Most companies have a loss mitigation departmentand they may be able to put the amount you are in arrears behindthe mortgage and come up with a payment that you can pay at thetime,” says Althea DeBarr-Johnson, an Atlanta-based attorneywho focuses on wealth preservation for her clients.Like other damaging information on your credit report, a foreclo-sure will show up for seven years, but its impact will lessen withtime. As with a bankruptcy, you can take steps to clean up yourcredit (see above).First, though, anyone going through a foreclosure or simi lar eventshould address the emotional side of their situation.“People who are in the midst of these things can only see theproblem and they can’t see a solution. Because they’re just soinvested in those feelings of failure, disappointment, shock, thefirst thing I would say is acknowledge that you are where youare,” says Michael Kay, Certified Financial Planner and presidentof Financial Focus in Livingston, N.J.Todd R. Tresidder, founder of FinancialMentor.com, agrees.

“Get into offensive mode; stop wallowing in your misery. Yes,it’s a bad situation. Let it go and commit to moving forward fromwhere you are and accept the setback,” he says.Be honest with yourself about setting goals and work on imple-menting the changes in your life that you need to achieve them.“Work with qualified advisers, Certified Financial Planners, CPAsor attorneys,” says Kay.Surviving divorce. Divorce can throw a big monkey wrench intoyour finances, not only as a result of legal costs, but also becausenow two families instead of one live off the same amount of income that they lived on as an intact family. To avoid some of the costs, try to keep it civil. “Avoid unnecessary litigation,unnecessarily engaging lawyers. Come to resolution amongstyourselves as much as possible,” says Lisa Rosenberg Moore, afamily law attorney in Cherry Hill, N.J.Anyone going through a divorce should speak with a therapist —your lawyer is not an acceptable substitute.“You’re being billed at an hourly rate, and every hour you sit onthe phone with your lawyer starts to add up,” Rosenberg says.She recommends that divorcing couples accept their situations as

quickly as possible and reconcile themselves to the fact that nomatter what, they’re not going to have the same lifestyle as be-fore.Deal with the emotional dissolution of your marriage before tack-ling the financial. Dismantling the legal entanglement with yourformer partner should be.

FOUR FINANCIAL PLANNINGSTEPS FOR WOMEN

Many women seem comfortable leaving their long-term financesand retirement planning to their husbands. If in the past you’vetaken a backseat to your husband in terms of your family’s fi-nances, it’s time to get in the driver’s seat. Here are four areaswomen should focus on.·Budgeting and Savings — There is no easier way to moveyourself and your family toward financial freedom than trackingyour expenses. Living on a budget is the best way to make surethat you are living within or below your means.Financial success comes simply from spending less than youearn. One of the main reasons most people overspend is becausethey do not keep track. Tracking your spending makes you notonly enter each cost into your budget, you then have to reconcile

them at the end of the month when your spending was higher thanyour income.Budgeting begins with savings. Set your savings goals first. Payyourself first. Set a savings goal of 5% to 15% of income permonth, then plan your spending around the balance. As difficultas it may seem, this strategy can and does work.·Investing — Once you’ve saved some money, you will want toput that money to work for you. Train your money to go forthand multiply. First, set up an emergency reserve account. This isa savings or money market account that is easily accessible andholds three to six months of expenses. It is important to remem-ber that this emergency fund is not for growing wealth. It is moreof an insurance policy to protect your wealth.After you’ve established your emergency fund and as you areworking to build it, look toward retirement. Save as much as youcan in tax-sheltered accounts like a 401(k). Diversify these ac-counts using mutual funds offered in the plan across broad sec-tors.Look to invest in large-cap growth, large-cap value, small-cap,international, and bonds. Focus on keeping the expense ratio of your fund as low as possible and invest in index funds, if they areoffered.·Insurance — Insurance, although not always exciting, is a nec-essary part of any good financial plan. Few of us would think of driving without auto insurance or purchasing a house wi thout fireinsurance, but many will happily avoid life insurance or long-term care insurance.How comfortable would you be financially if your husband passedaway tomorrow? Get involved and insist that their husband havesome form of life insurance to help you if the worst were to occur.It is also important to make sure there is a long-term disabilitypolicy covering the breadwinner of the family. Disability is twiceas likely as death.·Taxes and Fees — How would you like to get a tax-free raise of $5,000 this year? You can. Spend some time learning about waysto save on your taxes and cut your investment fees. It’s likeputting money right in your pocket . . . tax free.A study done at Wisconsin University showed that the averageperson paid more than $5,000 a year in additional taxes and in-vestment fees that they could reduce simply by becoming a bitmore educated. Reduce your mutual fund fees to no more than

.30%, avoid loaded funds, and avoid trading in and out of themarkets and incurring huge trading costs. Eliminating these feesalone can significantly pump up your investment returns.Get involved in your family’s finances and, if you are alreadyinvolved, learn as much as you can to maximize your results.Don’t be afraid to seek help from a professional when the needarises.

SCAMMERS USING IRS TOBILK YOU OUT OF FUNDS

In response to complaints County Sheriffs’ Offices are issuing awarning to the public about fraudulent IRS (Internal RevenueService) phone calls. Scam callers are altering their caller ID num-ber to make it look like they're calling from an actual IRS officethreatening people to pay owed money with a reload or prepaidcredit card or be arrested. Once they make their threats, thescammers will call back and again disguise their caller ID so itappears they are calling from a police department asking you to“turn yourself in” claiming the IRS just faxed a warrant for yourarrest. Beware this is a scam happening locally.IRS offered several tips to help recognize the scam:The IRS does not call to demand immediate payment, nor doesthe agency call about taxes owed without mailing a bill first.The IRS does not demand payment without giving the resident anopportunity to question or appeal the amount owed.The IRS does not require a specific payment method, such as aprepaid debit card.The IRS does not ask for credit or debit card numbers over thephone. The IRS does not threaten citizens with arrest for nonpayment.

VOLUNTEERS NEEDEDThe Tri-County United Way VITA Coalition in Washington,

Warren and Northern Saratoga Counties is seeking volunteers forhe 2014 tax filing season. No experience is required; all volun-eers will receive free instruction along with training and certifica-ion materials necessary to prepare basic tax returns. VITA vol-

unteers are trained to assist moderate-low income individuals andamilies to electronically file their personal tax returns. Do youike to help people? Are you looking for something to do duringhe winter months? How about becoming a VITA volunteer! Youan make a difference for 40 families by volunteering 4 hours a

week for 10 weeks. You can volunteer during day and/or eveninghours in your local community. We have tax sites throughout theegion. Training sessions begin in November and include the use

of electronic filing software supplied by the IRS. For more infor-mation about the local VITA program call Cornell CooperativeExtension of Warren County at 518-623-3291 and ask for JamieWhite. You can also sign up through the Tri County United Wayat 518-793-3136 or via Get Connected at www.tcuwny.org The

ocal VITA program is administered by the Tri-County UnitedWay, in conjunction with the following community partners: HeadStart, Cornell Cooperative Extension, Economic OpportunityCouncil Inc, WIC, Department of Social Services, Homefront,along with Glens Falls National Bank & Trust Company, Trustcoand TD Banks.

LATE NIGHT SHOPPING EVERY

4TH FRIDAY IN SALEMOn the 4th Friday of every month, many Sa-lem Merchants arekeeping their doorsopen until 8 p.m., allow-ing customers the op-portunity to Shop Lo-cal after work. To keepthings interesting forboth Merchants andCustomers, a newtheme chosen for each

month. Store owners say Late Night Shopping allows customersnother opportunity Shop Local and discover everything theirome town has to offer! Visit www.salemnychamber.com/mem-er/events for more info.


6/20


USDA OFFERS “NO DOWNPAYMENT” OPTIONS FOR

RURAL NEW YORK HOMEBUYERS

A USDA official announced today that funds are available to helprural residents of New York buy or repair single family homes.“Expanding and preserving homeownership is a major part of thefoundation for a stronger, more prosperous rural New York,” saidScott Collins, USDA Rural Development New York Acting StateDirector. “There is tremendous potential for New York and thesefunds will contribute towards building safe communities that peoplecan call home.” Funding is available through two Rural Develop-ment housing programs; the Home Repair program and the Guar-

anteed and Direct Loan program. The Guaranteed Loan programassists lenders extend mortgages with affordable terms to low andmoderate income homebuyers. Rural Development guarantees theloan, thereby reducing the lender’s risk and enabling them to pro-vide financing at more favorable rates and terms to families wish-ing to purchase a home. Guaranteed loans can be made on either anew or existing home for up to one-hundred percent of the ap-praised value. Under the Direct loan program, applicants apply di-rectly to USDA for loan assistance. No down payment is requiredand applicants may be eligible for payment assistance, which sub-sidizes the interest portion of the mortgage, lowering the overallmonthly payment. The Home Repair program offers very-low in-come homeowners loans and grants to make general home repairsor modifications, which may improve or modernize a home. Theinterest rate on these loans is one percent and the maximum termis 20 years. Applicants may obtain multiple loans, with a maximumoutstanding loan amount at a given time of $20,000. Grants areavailable to very-low income homeowners age 62 or older whocannot afford a loan. Grants are limited to a lifetime assis tance of $7,500 and must be used to remove health and safety hazards ormake a home more handicap accessible. These programs have

been very successful by providing decent, safe, and sanitary hous-ing in rural New York. For more information on these programsand how to apply, please contact our Greenwich office at (518)692-9940 Ext. 4 or visit click here to find out more about USDA’shousing programs. President Obama's plan for rural America hasbrought about historic investment and resulted in stronger ruralcommunities. Under the President's leadership, these investmentsin housing, community facilities, businesses and infrastructure haveempowered rural America to continue leading the way – strength-ening America's economy, small towns and rural communities.USDA's investments in rural communities support the rural way of life that stands as the backbone of our American values.

WHY FILING YOUR TAXESMAY BE A NIGHTMARE

THIS YEARTaxpayer satisfaction with the IRS is already · at a record low.It’s about to get worse. ·A ·report last week from the Taxpayer

Advocate Service — an independent watchdog within the InternalRevenue Service — found a cascading series of problems at theagency that are likely to make the grim task of filing tax returnseven more burdensome. This year, the IRS will be able to answerless than half the phone calls it receives. Callers who do get throughwill likely be on hold for 30 minutes or more. Even then, agents willrespond only to “basic” tax-law questions, something very close toa contradiction in terms.The agency’s ability to respond to written correspondence — theprimary way it communicates with taxpayers about things such asfiling errors and penalties — is collapsing. And the hundreds of thousands of poor, elderly and handicapped filers the IRS oncehelped with their returns are now on their own. Why?Since 2010, Congress has cut the IRS’s budget by more than $1billion. The agency’s workforce has been reduced by more than 12percent. And its training budget has shrunk by 83 percent, even asit faces new burdens imposed by the Affordable Care Act, theForeign Account Tax Compliance Act and a surge in identity thefts.Yet still more cuts are looming. As part of the spending deal Con-gress reached last month, the IRS budget for 2015 will be reducedby about $346 million. The agency’s commissioner told staff last

week that this could mean delaying tax refunds, postponing tech-nology investment, reducing audits and furloughing workers.Republicans in Congress have celebrated these cuts, arguing that,among other things, the IRS’s training seminars have been too elabo-rate, that its bonuses have been too profligate, and that it unfairlyscrutinized Tea Party groups seeking tax-exempt status.Let’s concede that they’re right on every count. How does cuttingthe IRS budget help? It will lead to lower federal revenue andhence higher deficits. It will worsen service for taxpayers of allparties. It will mean a continuing subsidy for wealthy tax avoiders,to the tune of some $385 billion a year. And it will in all likelihoodencourage talented workers to leave the IRS for the business world,where their skills are in demand. In other words, i t will punish justabout all Americans except the ones Republicans are mad at.An obvious solution to the IRS’s woes is to give it more money,commensurate with its growing responsibilities — especially sinceeach additional dollar allocated to the IRS for enforcement yields$6 in government revenue, and 61 percent of the public favorsboosting spending for taxpayer services. A better way to hold IRSemployees accountable for misconduct, meanwhile, is through im-proved oversight, management and performance metrics.Of course, the best approach for everyone — Congress, the IRS,the American voter — would be a comprehensive tax reform thatwould lower rates, end most exemptions and loopholes, and drasti-cally simplify the Internal Revenue Code. That’s probably too muchto hope for anytime soon. But the start of a new Congress, like thestart of spring training, is a good time for excessive optimism.

STARTING ROTH IRAS FORYOUR GRANDKIDS

By Jason AldermanMany grandparents go above and beyond to offer financial helpto adult children and grandchildren. If you're seeking to contributeto your grandkids' financial future, one option might involve open-ing a custodial Roth IRA (http://www.irs.gov/Retirement-Plans/ Roth-IRAs) on your grandchild's behalf as soon as he or shestarts reporting earned income.While grandparents often find 529 college savings plans advanta-geous for their personal estate planning as well as supportingtheir grandchild's educational future, custodial Roth IRAs (http:/

/www.irs.gov/Retirement-Plans/Roth-IRAs) may allow for moreflexibility depending on the child's future needs. For example, ayoung adult may use tax-free Roth IRA proceeds to fund educa-tion expenses not covered by savings or a down payment on afirst home. Roth IRAs may also be a useful and collaborativesavings tool for important expenses young adults have, such ascontinuing education or a down payment on a first home.Unlike traditional IRAs, Roth IRAs are funded with after-taxdollars. That means the account holder doesn't get a tax break atthe time of initial or successive deposits, but the money growstax-free and can be withdrawn tax-free – a benefit for a grandchildwho may need a substantial sum in the years to come. Learn moreabout Roth IRAs by watching this Khan Academy video. (https:/

/www.youtube.com/watch?v=NF-x9hDZD7Y)Here's an example of how much an initial $2,000 deposit in a Rothcustodial IRA can grow. For an account opened at the time thechild is 16, the $2,000 opening deposit – without any more moneyadded to the account – could be worth roughly $55,000 at thetime the child reaches age 65 assuming a 7 percent expected rate of return.What if the child needs to make a tax-free withdrawal sooner,such as at age 35, for example? Based on the same earnings calcu-lation as above, he or she would receive a less impressive sum of roughly $7,200. Of course, it remains a potential solution if thereis a severe need for cash.In 2015, the annual contribution limit for all IRAs is $5,500. It ispossible, though not that easy, for a minor to open a Roth IRA onhis or her own, which is why it's good for grandparents – or anyqualifying friend or relative – to shop for custodial accounts withlow fees and low investment minimums to start. This is com-pounded annually.As you evaluate a decision to open a custodial Roth IRA, checkwith the broker and the account administrator on any institu-tional or state rules on custodial accounts and what informationyou'll need to open one. Depending on those rules, there's a chancethat grandparents may not be able to open the custodial account

directly and you will have to work through their parents or legalguardian to get started.Also, consider the following:Make sure you're financially secure. The MetLife study notesthat many grandparents tend to overextend their financial sup-port when it comes to family members in need. Seek advice fromfinancial, tax and estate professionals on how much you can rea-sonably afford to give and the best means to do so.Coordinate with your grandchild's parents or guardian. It is im-portant for family members to remain open about all money is-sues, particularly in relation to minors. Discuss what provisionsthe parents have made for the child and whether your idea comple-ments financial strategies already in place. If not, keep talking anddiscuss other ways you can help.Consider your grandchild's potential handling of the account. Whenyour grandchildren reach legal age or meet other key requirementsof the account, they can take control of the money. Will they beready? If not, evaluate other investment vehicles that better meetyour objectives.Bottom line: Setting up a custodial Roth IRA may be a good wayfor grandparents and grandchildren to work on retirement or other

financial goals.

The Washington County News is a NapaulPublishers Inc Publication first published in2011, distributed throughout Washington County,with emphasis on Argyle, Ft Ann, Ft Edward,Hartford, Kingsbury.For classifieds e-mail to [email protected] Press releases, obituaries, and news articles,

e-mail to [email protected] (fax)www.washingtoncounty.org (where the entirepaper is published on line)

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INSIDER TRADING: THEREOUGHTA BE A LAW

When is insider trading against the law? It’s a trick question:There is no actual law against insider trading.

This became painfully clear last month when a federalppeals court tossed out the criminal convictions of two Wall Streetedge-fund managers who had been found guilty of the offensebout two years ago. The court not only exonerated the traders,ut also · called into question the entire body of law that has re-ulted in scores of such convictions over the last several years.t may sound simplistic to respond to this state of affairs with theat observation that there oughta be a law. But the best way tolear away the confusion and mistrust th is decision has created ishrough legislation. Ideally, Congress would pass a law that definesnd bans insider trading. More realistically, the Securities and Ex-

hange Commission could clarify its rules on the subject.The SEC issued rules long ago to prohibit trading on the basis of material nonpublic information revealed in violation of a fiduciary

uty. Its authority is based on one provision in the Securities Ex-hange Act of 1934, which broadly bans frauds on the market.

This leaves plenty of wiggle room, and for decades, prosecutorsave had to make do with common law. In 1983, the Supreme

Court added a level of complexity by ruling that people receivingtock tips (tippees) must know that their sources (tippers) disclosednformation in exchange for something of value — money, a job, aromotion.

Over time, prosecutors expanded the definition of value to includeareer advice and even friendship, making it all but meaningless.

And the more expansive the definition, the easier it was for ag-ressive prosecutors to feed the public’s desire for Wall Streetcalps and advance their careers.

Enter the U.S. Court of Appeals for the Second Circuit, which onDec. 10 issued its sharply worded opinion: Because the two con-

icted tippees didn’t even know the two tippers, never mind whatenefits they may have received, they couldn’t have committednsider trading. Nevertheless, it should be indisputable that the tip-ers in this case divulged material nonpublic information in breachf their fiduciary duty.

This is no way to apply criminal justice. For one thing, it will be a lotarder to prosecute friends who exchange valuable inside tips onhe golf course on Sundays, then trade on the information on Mon-ays, so long as nothing of “consequential” value changes hands.

For another, the U.S.’s ability to stanch Wall Street corruption isrimped. Tippees can avoid prosecution if information is passedlong a chain designed to keep tippers anonymous.

What the U.S. needs is a proper statute — one that doesn’t shifthape depending on who is heading the SEC or who is the U.S.ttorney for Manhattan. It must reach conduct that strikes the av-rage investor as wrong and feeds the impression that the marketsre rigged.

The SEC can and should refine its rules, but it would be far betteror Congress to act. “Only the legislature may define crimes andix punishments,” as Supreme Court Justice Antonin Scalia wroteast year. “Congress cannot, through ambiguity, effectively leavehat function to the courts, much less to the administrative bureau-racy.”

This needn’t be partisan. Both parties should want to avoid lettingU.S. markets take on the appearance of a fool’s game in whichetail investors always lose and insiders always win. Trading stockn purloined information shouldn’t be harder to prosecute than trad-

ng in stolen goods out of the back of a truck.

GOLD TANKS ON STRONG U.S.

JOBS REPORTGold prices sank at the start of New York trade on Friday, dropping

.5% to hit 3-week lows beneath $1235 per ounce after new U.S.obs data came in much better than analysts forecast.

The Non-Farm Payrolls report for January estimated last month’set U.S. jobs growth at 257,000 against Wall Street’s consensus for34,000, with December’s figure revised 30% higher to 329,000 –he second-best month since June 2010.

The U.S. unemployment rate ticked higher to 5.7% however, as03,000 people were estimated to have joined the labor force.The better than expected figures quickly saw gold retreat...havingbattle,” said a note from London dealers Standard Bank’s com-

modity unit, now owned by China’s giant ICBC Bank.

Now halving 2015’s previous 10% gain of late January, gold pricedn Dollars fell almost $15 per ounce within two minutes. Goldriced in Euros also tumbled, breaking below Tuesday’s 3-weekow at 1091, even as the s ingle currency fell hard against the Dollar.

Friday’s new U.K. trade data said gold bullion exports, net of im-orts, totaled 468 tonnes in 2014, two-thirds below 2013’s recordutflow from London’s specialist bullion vaults – the central stor-ge point for wholesale Good Delivery bars dealt worldwide.

Gold demand in China – the world’s No.2 consumer nation behindndian – fell 25% from 2013’s record to 886 tonnes last year, the

China Gold Association said today. China’s gold mining output –he world leader since 2007 – rose 5% to 452 tonnes, the govern-

ment-approved industry association added. “The precipitous dropn prices in 2013,” says the China Gold Association, “led to anncrease in demand of extraordinary proportions.“[But] the rela-vely stable price in 2014 suppressed investment demand.”Last year,” says Kim An-mo of Korea Gold Exchange 3M, whicheports turning over $700m in its last financial year, “investorsought gold in bargain hunting as the metal’s price was declining.But now they buy gold to avoid possible financial losses related toerritorial disputes, possible defaults in debt-ridden countries, fall-ng oil prices and record-low interest rates.”

The GLD’s backing remains 40% below that ETF’s end-2012 peaky weight, and 60% down by value from its Dollar peak.The fact that [Western] ETF investors and funds have been buy-ng is very noteworthy,” says a new monthly report from London

market makers Scotia Mocatta’s New York office.


7/20


VENISON: FROM FIELD TO TABLE-Field Dressing, Preserv-ng and Cooking Cornell Cooperative Extension of Saratoga Countys hosting a venison workshop on Friday, February 20, 3-5 pm. Theost is $10.00 per person. Space is limited and preregistration is re-uired by February 13. Call Cornell Cooperative Extension to regis-er: 518-885-8995 or download a registration form at

www.ccesaratoga.org. This workshop will cover culinary and foodafety aspects of venison from field to table. Participants will learn

meat preparation beginning with field dressing, how to tenderize deermeat with marinades, cooking methods, and food preservation. Themportant science behind safely canning meat and making jerky wille discussed. Learning to safely can meat is a great solution to lim-ted freezer space when considering buying local meat or hunting.

Venison is a healthy, lean source of protein that is very tasty, if prop-rly prepared. This workshop includes recipe sampling and a wildame cookbook. Moira Tidball, co-creator of the Cornell Cooperative

Extension Wild Harvest Table program, will be conducting the veni-on workshop on February 20 with Master Food Preserver, Diane

Whitten. If you would like more information about consuming wildame and fish, or the Wild Harvest Table program visit the Cornell

Cooperative Extension website, www.wildharvest.com, provided inonsultation with Cornell University’s Department of Natural Re-ources. The Wild Harvest Table offers recipes, nutrition facts andnformation on fish and wild game. For nearly 100 years, Cornell

Cooperative Extension has served the people of Saratoga County,utting to practical use the scholarship and research of Cornell Uni-

ersity and the national land grant system in the areas of agriculturend food systems sustainability; families, nutrition, health and safetyhuman ecology); youth development (4-H); environmental and natu-al resource enhancement; and community and economic vitality. For

more information on this and other programs, please call the office at18-885-8995, or check their website, www.ccesaratoga.org.

FREE TAX RETURN ASSISTANCE AT THE CCC Onaturday, February 21, the Salem Courthouse Community Center

will be offering free tax return assistance from 9 am to 2 pm. Oncegain, trained volunteers who are IRS certified will be on hand tossist individuals or families whose household income is $53,000 oress. You may also qualify for the Earned Income Tax Credit (EITC),p to $6,143, if you earn less than $52,427. Direct deposit optionsre available for federal and state returns. The volunteers filelectronic returns which are simple, accurate and secure and provideor faster refunds. Please note that tax returns with stock sales,usiness or rental income cannot be completed by the volunteers. Tochedule a tax appointment, please call 1-800-211-5128 Mondayhrough Friday between 9 am and 4 pm. Individuals will not be seen

without an appointment. If you are unable to meet with the volunteersn Saturday, February 21, they will find a site and time that works

with your schedule. This wonderful service is being provided through

he generosity of the Tri County United Way VITA Coalition. TaxReturn Assistance day at the CCC will take place on the first floorwhich is handicap accessible.

The 8th ANNIVERSARY GALA OPEN HOUSE AT STITCHYWOMEN YARN SHOP WILL BE HELD ON FEBRUARY

8TH- The 8th anniversary of Stitchy Women yarn shop in Poultney,Vermont will be celebrated on Saturday, February 28th during a GalaOpen House at the shop. Mary Lee Harris, owner of Stitchy Women

arn shop extends a cordial invitation to all to come to the Gala OpenHouse to be held from 10:00 a.m. to 4:00 p. m . Mary Lee said that athe Gala Open House, Stitchy Women will be spotlighting new yarn;here will be mystery discounts on non-sale items and specials of theay 75% or more off original price. There will also be Roving for thepinner & felter on special, drawings, door prizes and giveawayshroughout the day. Mary Lee encourages you to bring a friend.titchy Women stocks a large inventory of yarns, patterns and needlesor all levels of fiber artists. It also holds instruction classes, bothrivate and group lessons. To learn more, come to the Gala Open

House on Saturday, February 28 th . Refreshments will be served.One may also join an instruction class by calling Mary Lee at (802)-

87-4114 or email her at: [email protected]. StitchyWomen’s hours do vary a bit: Hours: Wed thru Fri 10:00 a.m. to 5:00

.m.; Thurs 1:00 p.m. to 4:00 p.m. Sit and Knit; and Sat 10:00 a.m. to:00 p.m. The store’s website is http://www.stitchywomen.com/ .titchy Women, a member of Poultney Area Chamber of Commerce,

Granville Chamber of Commerce and the Vermont Lakes RegionChamber, is located at 144 Main Street in the historic village districtf Poultney, Vermont.

FREE FUN AT THE CCC DURING FEBRUARY BREAK-The Courthouse Community Center is offering 3 days of free winterun during the February school break, February 17, 18 and 19 from0 am to noon. On Tuesday, February 17, all kids are invited for arisk winter hike to nearby Salem Art Works. Join the adult guidesrom the CCC and explore the many trails discovering winter wonders.

Hot chocolate and lunch will be provided after the hike. OnWednesday, February 18, join your CCC friends for an enjoyable dayf sledding fun at Salem Art Works which boasts the very best sledding

ills in the area. This opportunity is perfect for all ages and abilities.There are gentle slopes for the younger children and steeper gradesor those looking for an adventure. After the children are thoroughly

worn out, lunch and hot chocolate will be served to them as well.The final day, Thursday, February 19, will provide children with the

pportunity to visit the Battenkill Kitchen at the CCC to make somereats. The wonderful workers from Salem Art Works will be onand again this year to host a cookie decorating class where fun andaughter will reign supreme. The CCC is grateful to the Salem Art

Works folks for their wonderful collaborative spirit and generosity.There is no charge to participate in any of the 3 programs, but childrenhould be registered by calling the CCC at 518-854-7053.


8/20


518-681-6346215 Broadway Ft Edward, NY.

7am-10pm

BROADWAY CAFEAt The Historic Inn In Fort Edward

Across From the High School

CelebrateValentine’s Day With Us

February 14th! Now Taking Reservations!!

Dinner Includes: Beverage,

appetizer for two, homemade soup

or salad, entree and dessert Your Choice of: Prime Rib,

Chicken & Broccoli Alfredo, Linguine with

shrimp & scallops in a wine sauce with

tomato, feta cheese and chives; Seafood

Newburgh, Tilapia Oscar

All above dishes excluding pastas are served with vegetable and your choice of French fries, mashed or baked potato

Dessert Choices: Blackberry Cobbler,Bailey’s Irish Creame Cake, Bread Pudding or Strawberry Shortcake

$50 per couple

On Thursday, February 19, 2015,

The Inn at Saratoga, 231 Broadway,Saratoga Springs, NY will be hosting a

fundraising dinner for the Sweeney Family of Cambridge, NY, who recently

lost everything in a house fire.

Join us for our regular Dinner hours of 5pm

– 9pm for Prime Rib Night and the fantas-

tic Live Music of Jeff Walton!

25% of ALL Restaurant proceeds from this

night will be donated to the fami ly.

Please spread the word…the more people that come, the bigger the donation!

Walk-ins are welcome, or make your reser-

vation today by calling The Inn at Saratoga

at (518)5 83-189 0. For more details or to make a donation, you

may also contact

Michele Jennings at (518)514-8766

COUNTRY ROUND & SQUARE DANCE ASSOCIA-TION WILL HOST A DANCE (old style country) at TheAmerican Legion, Clancy Street, Schuylerville, NY. Mu-sic by The Countrymen. Luncheon. A dish to share wouldbe appreciated. Dance from 1 to 5 PM, Feb. 15th. Every-one is welcome. Casual wear. Adults are $5, $2 for ages6-17, under 6 are free. For more information call Linda at(518) 638-8905 or Sandy at (518) 824-3719.


9/20


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Power Equipment

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518-753-6921

visit our web page: www.addigest.com/Calhoun/ads.htm

Friendly Service with a Smile!

“Our Flags &Banners AreOut Of This

World!”

1940 Rt 32N at Route 50,Gansevoort, NY

518-792-1776

A Broadway Banner & Flag Co.

Custom-made Flags• Banners • Theatrical Backdrops•U.S. Flags • Historical, World &

Military Flags • Poles & Accessories• Truck Lettering

Now BuyingJunk Cars $200 & Up

Scrap, Tin Taken In!Also Buying: Copper, Brass &

Batteries per Lb.

N E W

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S C A L E S !

Hours:

M-Th 9-6;Fri. 9-5;Saturday 9-3

VIEW OUR INVENTORY ONLINE AT :

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1108 Route 29 • Greenwich,On the circle where 29 & 40 meet

518-692-AUTO333 Second Ave • Troy, NY

518-235-4661

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‘13 VW GOLF TDI‘13 VW GOLF TDI‘13 VW GOLF TDI‘13 VW GOLF TDI‘13 VW GOLF TDI

Alloy Wheels, Cruise, PW, PL, 4 NewTires, 6 Speed Std., 70,425 Mi.

$11,990

‘11 DODGE CALIBER‘11 DODGE CALIBER‘11 DODGE CALIBER‘11 DODGE CALIBER‘11 DODGE CALIBERMAINSTREETMAINSTREETMAINSTREETMAINSTREETMAINSTREET

Alloy Wheels, 4 New Tires, Cruise, PW,PL, Auto, 43,340 Mi.

$16,290

‘10 HOND‘10 HOND‘10 HOND‘10 HOND‘10 HONDA PILA PILA PILA PILA PILOOOOOT EX-LT EX-LT EX-LT EX-LT EX-L

Full Leather, Heated Seats, Sunroof,DVD Player, Keyless Entry, 97,280 Mi.

$10,888

‘11 CHEVY CR‘11 CHEVY CR‘11 CHEVY CR‘11 CHEVY CR‘11 CHEVY CRUZE LUZE LUZE LUZE LUZE LTTTTT

Alloy Wheels, Cruise, Auto, AM/FM/CD,Tilt Wheel, PW, PS, 69,835 Mi.

COUNTRYAUTO36 Skiparee Rd., North Pownal, VT • 802-823-7764802-823-7764802-823-7764802-823-7764802-823-7764‘89 CROWN VICTORIA LXfuel injected, 5.0 V8, pw, pl

& more! Dark blue. $1595

‘99 HONDA CIVIC EXloaded, sunroof, all pwr,

5 spd. $2995

FULL SERVICE AUTO REPAIRS & INSPECTIONS

DELLA HONDA

WELCOMES DAN LANOIR!Della is happy to

announce the addition of

Dan Lanor to our awardwinning sales depart-

ment. Dan invites all hiscustomers and friends to

stop by and say hello,

or call (518)793-3811,or email

[email protected]

313 Quaker Road,Glens Falls, NYOpen M-Thurs. 9-7, Fri. 9-6,

Sat. 9-5, Closed Sundaywww.dellahondagf.com

ESTATE/TAG SALE

February 14, 15,& 16, 9 AM- 4 PM.

Collectible andhousehold items, tools,

antiques, etc.Being held insideBENNINGTONHOUSE OF TILEWAREHOUSE

1267 Hardwood HillRoad, Bennington, VTContact Andrew802-681-8449

or Tim802-379-4910

for moreinformation.

TWO FREE BEDS- one twin(mattress and box springs)one double (mattress and boxsprings) Sturdy and in goodcondition. These have been instorage for 3 years and maybe a bit musty. You [email protected]

NOW ACCEPTINGOR WILL PICK UP

Scrap Metal or AppliancesAlso: We buy & pickup scrap

cars.518-695-6757

WE SPECIALIZE IN

ESTATE CLEAN OUTS.

Antiques purchased orconsigned. WANTED:

antiques, collectibles, fineused furniture, china , glass,

books and garage sale items.Call 518-747-0197

IF YOU LIKE COUNTRYMUSIC...

Then You'll Love"The Downhome Coun-

try Gospel Hour"Sunday evenings 8:00 pm

on 91.9FMIn Our 16th Year!

CUT, SPLIT ANDDELIVERED

HARDWOOD FOR SALE.Call

1-802-394-2565 or

518-598-2376

WANTED, ANYTHING

WITH A SMALL EN-GINE, RUNNING ORNOT. CASH PAID FORSOME 518-753.0007 /

376-3807

APPLIANCESRECONDITIONED& GUARANTEED

Refrigerators, Ranges, Wash-ers, Dryers. Best selection,price & guarantee. New &Used parts. Major credit cards.

518-761-950159 Boulevard

Queensbury, NY1-800-640-4313

WOODEN PALLETSFREE - FREE - FREE

You Haul Away13 Broad Street

Hudson falls518-747-9533

$ BUYING- HIGHESTPRICES PAID $

Gold & silver jewelry; vin-tage costume & turquoise.

Coins, watches, knives, mili-tary, toys, antiques etc. 30+years experience..save time,call Joe first. 518-893-0235or 518-669-2274

HIGHER CASH PAIDFOR COINS, jewelry, gold,

silver, watches, diamonds,stamps, sports cards, sterling,anything old. Call Dennis @

518-583-3479 or1-800-498-3479.

WANTED:Good home for

horses. Wehave 3 availableriding horses.

Please call(518)-793-

3459

THE 2ND ANNUAL 'BOWL-4-HOSPICE' is coming up onunday, February 22nd, from 1pm - 4pm at Kingpin's Alley Fam-

y Fun Center in SGF. We are looking for participants, items forur raffle table, and sponsors! Come have fun and support a wor-hy cause! Need more info? Please call 743-1672 or [email protected]


10/20



11/20


12/20

• T re e R e m o v a l• T re e T rim m ing • La w n M o w ing & T rim m ing • Shrub & H e d g e M a int e na nc e • Sp ring & F a ll C le a n U p s• 2 4 H o ur St o rm C le a n U p s

F REE EST IMAT ESF ULLY INSURED

518 - 6 9 2 - 8 8 9 0

T R E E & LAW NSE R V I C E

AS K C O E LE C T R I C S U P P LY C O M P AN Y D I S C O U N T P R I C E S O N R E S I D E N T I A L L I G H T I N G F I X T U R E S , C U T L E R H A M M E R

P R O D U C T S , F A S C O E L E C T R I C H E A T - E X H A U S T F A N S ,

C O M P L E T E L I N E O F E L E C T R I C A L S U P P L I E S & E Q U I P M E N T

14 C o o p e r S t .7 9 8 - 9 5 0 3 G l e n s F a l l s , N Y

W E D E L I V E R

www.FootesAmishBuiltSheds.com

518-695-5440Bob’s cell: 518-265-2649

Luke’s cell: 265-2259

Sheds displayed at:424 Rt.29,

Greenwich, NY1718 Rt.9

So. Glens Falls, NY

“Stu” Maguire’s

Equipment Sales, Inc.

ALALALALALW W W W W AAAAAYYYYYSSSSS ACCEPTING USEDACCEPTING USEDACCEPTING USEDACCEPTING USEDACCEPTING USED

CRANKCRANKCRANKCRANKCRANKCASE OILCASE OILCASE OILCASE OILCASE OIL

NYS DMV #3580143

518-695-354593 State Route 4

Greenwich, NY 12834-9607


ELM RIDGE FARMS COUNTRY COLLECTABLES

Located within Moreau Marketplace, Route 9, South

Glens Falls

(The Old YMCA)

Is an authorized drop off location for “OPERATION

CODE BLUE”

Drop box is inside in the hall. If you don’t have

anything, we have extras you can purchase for

donation. We will make weekly drops to Adirondack

Vet House, who will get them to all shelters in need.

ATTENTION READERS!We know that our communities are full of locally owned busi-nesses with quality products and we want you to help us sharethem with everyone! So we are asking you to email, fax or snailmail your favorites to us so we can let others know about them.Everything from locally made products: candies, baked goods, foods,produce, meats, furnishings, home products, health products, cloth-ing, etc.Also your favorite places for car service, home services, repairs,restaurants and more. It dosesn’t matter if they have a storefrontor do business thru their websites.What we need from you:1) Busniess Name , Address, Phone Number & Website or EmailAddress2) Products or Services they offer3) Why You Like ThemThen send the information to us:Email: [email protected]: 518-747-9529Snail Mail: 13 Broad Street, Hudson Falls, NY 12839The information you help us with will be published in our papers

and on our website so all of our readers and website readers canshop local!Thank You from Napaul Publishers, Inc. proud publisher of: The Wise Shoppers, Rensssealer County Shopper, Courier,

Vermont Money Saver, Queensbury Shoppers & News and The Dollar Stretcher

SCHAGHTICOKE FAIR ANNOUNCES 2015 FAIRTHEME AND DESIGN CONTEST

Celebrating its 196th year, The Schaghticoke Fair is veryexcited to announce the 2015 fair theme as The FairestOne of All. The fair will be introducing The Fairest One ofAll into buildings, exhibits, fair entries, and contests dur-ing the week of the fair. David Wein, a resident ofJohnsonville was the winner of last year’s “Harvest YourDreams” theme design contest. The contest is open to all currently enrolled high school

and college students as well as adults throughout the lo-cal area. The selected design will be used on the cover ofthe 2015 fair brochure, the annual fair t-shirt and for addi-tional marketing purposes. In addition to having thewinner’s work published, the winner will also receive aone day fair pass with one unlimited ride ticket, a 2015The Fairest One of All t-shirt, a certificate of achievementpresented during the week of the fair and will also becomean honorary judge for future themed design contests. Formore information on how to participate and the elementsthat are to be included in the design, please contact theart department at your high school or call Mary at the fairoffice, 753-4411, x13. All entries must be submitted byApril 1st. The Schaghticoke Fair will be held Wednesday,September 2 – Monday, September 7, Labor Day Week-end.Rensselaer County Agricultural and Horticultural Society

“The Schaghticoke Fair”

69 Stillwater Bridge Road, Schaghticoke, New York,12154 * phone (518)753-4411 x13 * fax (518) 753-7720 www.schaghticokefair.org *

[email protected]

Word Wise

onisivteelrokntwe

ANSWER NEXT TIME!

wonilgeblointniagima

orhnac

Answer to last Word Wise: Applied science:Apollo, flight, awesome, controlled, overhead.Space travel.

Liar, liar, pants on fire:

LOUISIANA TRIP – RESERVE BEFORE APRIL 3. Tourwith us October 11-18, 2015 through the Heart of the South –New Orleans, Natchez, and Lafayette. Sponsored by La FédérationFranco-Américaine du NY, this 8-day trip includes airfare , trans-fers, hotels, 11 meals, and guided tours. Highlights: French Quar-ter, Court of Two Sisters Restaurant; Baton Rouge (state capital);Natchez, MS; Lafayette/Cajun country, Vermilionville, BayouCruise, Cajun cooking lesson. Per person (pp) fares: Triple $2,469;Double $2,499; Single $3,049. Book before APRIL 3 and save $100pp on your fare. For more information, contact Lisa Laforest atPlaza Travel Center (518) 785-3338 or [email protected].

SWEET MAPLE MENU DAYS ON TAP FOR EATERIES -Warren County restaurants and B & B’s are invited to participatein “Sweet Maple Menu Days”, a promotion of area eateries andThurman maple products, during the period between March 15and 29. To participate in this promo, eateries will feature one ormore dishes made with pure Thurman maple syrup or sugar, and

publicize their establishments and the maple specialty(ies) in groupads partially subsidized by Thurman Maple Days, an establishedevent held the last three full weekends each March. Commitmentbefore February 10 ensures that our area businesses and their MapleMenu items receive both the chance to sign up for the reduced-price ads and free publicity generated by Thurman Maple Days onwww.ThurmanMapleDays.com. To learn more and to sign up,contact Perky Granger, [email protected] (best) or 352-463-3089.

FLEA MARKET- OLD SARATOGA AUXILIARY UNIT 278HOST THE 18TH ANNUAL FLEA MARKET, 6 CLANCYSTREET SCHUYLERVILLE. 695-3011. FEBRUARY 21ST9AM ~ 3PM, SNOW DATE 22ND. OVER 40 VENDORS, HOMECOOKED FOOD (BREAKFAST AND LUNCH), BAKE SALEITEMS, 50/50 RAFFLE, ANTIQUES, COLLECTIBLES ANDMISC. COME JOIN US! NO ENTRY FEE

SOUPER LUNCH- The Greenwich Elk’s Auxiliary will be hold-

ing a Souper Lunch on Sunday, February 22nd from 1 to 3 PM.Bottomless bowls of delicious homemade soups, bread, and desertincluded! $7 per person, kids 5-10 $3, under 5 free. Dine in only.Route 40, Greenwich Elk’s Lodge. Reservations appreciated, walk-ins welcome. Call Amberlyn for reservations and information (518)587-8224.

OUT OF SIGHT, OUT OF MURDER- The Schuylerville Com-munity Theater is celebrating its 35th year with the first show of its2014/2015 Season. The show “Out of Sight…Out of Murder” issure to delight and was written by Fred Carmichael (by special ar-angement with Samuel French, Inc). With a dynamic cast of 9, this

show tells the story of Peter Knight – an author grinding out a mur-der story in an old mansion where another author was murderedyears before. A weird electrical storm affects a cosmic snafu andhe characters from his mind come to li fe before him and the audi-

ence. With their new found freedom, Peter loses control of hischaracters to become the intended target of murder. Each charac-er is stuck in their “character traits” bringing hilarity and wit to an

already unusual circumstance. This ensemble has been having wayoo much fun rehearsing together and it is sure to be contagious to

our audiences. The show is directed by Bonnie Thomas, veteranSCT board member and director. Per formances run on February13th, 14th, 21st (at 8 PM) on Sundays February 15th and 22rdat 2pm). All performances will be at the Saratoga Town Office

Building on the corner of routes 29 and 4 in Schuylerville, NY. Theickets are $18 for adults and $15 for seniors and students but visi-ors will find a $2 discount opportunity on the SCT websitewww.scttheater.org), SCT FB page and show mailing. For infor-

mation and reservations, call 695-5480.

OLDE SARATOGA SENIORS MEETING- The next meetingof the Olde Saratoga Seniors will be on Wed., Feb. 18 at noon athe Town Hall in Schuylerville. It will be a sandwich luncheon. All

are welcome. Call Pat 331-2978.


13/20

HOOSAC VALLEY

FARMERS212 Main St PO Box 299

Schaghticoke, NY 12154 • 518-753-6911Where People In The Know Shop!

Hrs: M-F 7:30-5:3;0 Sat 7:30-2:30; Closed Sunday

WE HAVE

COAL!•PEA

•NUT

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Come Celebrate a Candle Lit EveningCome Celebrate a Candle Lit EveningCome Celebrate a Candle Lit EveningCome Celebrate a Candle Lit EveningCome Celebrate a Candle Lit EveningSaturday, Februay 14, 4-8 PMSaturday, Februay 14, 4-8 PMSaturday, Februay 14, 4-8 PMSaturday, Februay 14, 4-8 PMSaturday, Februay 14, 4-8 PM

Enjoy Our Grand Sweetheart Specials!Enjoy Our Grand Sweetheart Specials!Enjoy Our Grand Sweetheart Specials!Enjoy Our Grand Sweetheart Specials!Enjoy Our Grand Sweetheart Specials! CARVED ROAST PRIME RIB with bacon wrappedturnips & garlic mashed potatoes...............

Corner of Rt 48 & 49Cossayuna.

Hrs: wed &Thu 4-9; Fri 4-10Sat 1-10; Sun 1-9

Reservations: 518-692-9816

Seating is limited, so reserve today!

SEAFOOD LASAGNA with creamy Alfredo sauce,

with shrimp, scallops, crab meat, clam, mushrooms,peppers.................................................RASPBERRY CHICKEN. Chickwn breast stuffed withmozzerella, served on a bed of Raspberry sauce..

VEAL BRIANNA Top round veal w/ lobster tail and a creamy mornaysauce............................

$1695

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APPETIZER: Mushrooms stuffed withsausage, topped with cheese.................

$595

*Includes Cream of Broccoli Soup, Salad Bar,Hot Roll and Dessert (Chocolate LovinSpoonful)

WINE SPECIAL Lambrusco.............$5.95

¼ miles west from Bennington Battle FieldRoute 67, North Hoosick, NY

“Small Enough to Know You, Large Enough to Serve You.”

T HIS

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Town & Country

Auction

Keep all your Items in one

place for the best Price!

Tuesday- New MerchandiseFriday- Antiques,

Collectibles,General Merchandise

Saturday- Small Livestock,

Farm items

457 Rt. 32N, Schuylerville, NYCall Today-

www.towncountryauctions.com

NYS Pet Dealers Lic#411534

Auctions Weeklyat

7:00 PM

Local Dealers inattendance

weekly.

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FISH FRYS FOR LENT. They will begin on 2/20 and run through 4/3. Will be held every Fridayduring Lent. They will be held at the firehouse on Rt 149 in Fort Ann, from 4-7 pm Take out isavailable. I do not have any pricing right now. For more info call the firehouse or to place an order 518-639-8811. Full dinners and dessert as well.

PAMPERED CHEF PARTY; Melrose Methodist Church 20 Church Street, Melrose, will hold aPAMPERED CHEF PARTY on Friday February 27, at 6:30 pm at the church. Come watch the

emonstrations by our pampered chef consultant Mary Ann Cortese. There will be food to share andrizes given out. Bring a friend and have fun.

18TH ANNUAL FLEA MARKET OLD SARATOGA AUXILIARY UNIT 278 HOST THE 18THANNUAL FLEA MARKET 6 CLANCY STREET SCHUYLERVILLE518-695-3011.FEBRUARY 21ST 9AM ~ 3PM SNOW DATE22ND. OVER 40 VENDORS. HOMECOOKED FOOD (BREAKFAST AND LUNCH). BAKE SALE ITEMS. 50/50 RAFFLE. AN-TIQUES, COLLECTIBLES AND MISC. COME JOIN US! NO ENTRY FEE

PLANETARIUM ADVENTURES COMES TO THE CAMBRIDGE PUBLIC LIBRARY,ATURDAY, FEBRUARY 21st. Chris Grubb, educator and presenter with Planetarium Adventures,

will bring his inflatable planetarium to the Cambridge Public Library to discuss astronomy and the nightky. The planetarium can accommodate up to 25 people per session. There will be three sessionscheduled for that Saturday, at 11:00 am, 1:00pm and 2:30 pm. Please come into the Cambridge Public

Library or call the library at 677-2443 to reserve your spot for this exciting free program. The library isocated at 21 West Main Street in Cambridge.


14/20

www.thestovery.com - 518-638-8950 The Stovery - Home of Soothing FiresNapaul Publishers, Inc. February 12, 2015

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DRUMMS SAWMILLKiln Dried Rough Cut

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Hrs: M-F 8 am-4:30 pm;Sat. 8 am-3:30 pm

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Schuylerville.518-928-9982518-583-1168

We now accept allmajor credit cards!

COUNTRY ELECTRIC LLC Residential, Com-mercial, Industrial. Alltypes of wiring in-cluding service en-trances, backup genera-tors, new & rewiring of homes, offices, barns, motor controls, pools & Spas, electric heat, etc. Licensed Master Electrician, fully Insured, Free

Estimates 518-642-2271

EXCAVATORFOR HIRE:

with rotary brush cutter;22 ft reach. Mowing andbrush cutting of ponds,steep hills, embankmentsand roadways. We alsohave multiple versatile

bush hogging and brushcutting equipment for all

your needs.Broestler BrushCutting

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CASH: For crank phono-graphs, early 78's,

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HELP WANTEDWHALEN CHEVROLETis seeking a sales person for

NEW and USED cars andtrucks. With full companybenefits, including health

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REGISTERED DAYCARE HAS OPENINGSI am a mother of six and grandmother of twelve with five years of previous experience running an in home daycare. I recently de-cided to open a daycare to stay home with my special needs greatnephew who lives with us. I provide \”care with a grandmother\’stouch\” in the village of Granville. I have affordable rates with mealsincluded. Hours are 10:30 pm to 5:00 pm Sunday night throughFriday,covering night and day shifts. Open holidays and emergencycare available on weekends. I am excellent with teaching milestoneskills and baby sign language. Large outdoor play area on a dead endstreet, newly renovated play room, nap room & activity area. Lotsof toys & crafts! CPR & First aid certified. provide for special needschildren: physically, mentally, emotionally and socially challenged. Iknow and teach sign language. I am approved for emergency medi-cations: epi-pens, inhalers & nebulizers. Openings for children aged6 weeks to 12 years.

(518) 642-8243.

1999 CHEVY BLAZER

New motor. $2000518-683-8309

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15/20


UNCLE WALLY WONDERS

SCHOOL DISTRICTS INSTRESS FISCAL YEAR

ENDING 2014Avoid Crisis Tomorrow with Fiscal Awareness Strategies for To-day. Learn more about the System and ScoringACT FAST Avoid Crisis Tomorrow with Fiscal Awareness Strat -egies for TodaySignificant Stress: Greater than or equal to 65% of total pointsNiagara-Wheatfield Central School District Niagara Western New York 88.3%

Wyandanch Union Free School District Suffolk Long Island 88.3%

East Ramapo Central School District Rockland Mid-Hudson Region 86.7%

Lawrence Union Free School District Nassau Long Island 80.0%

Watervliet City School District Albany Capital District 80.0%

Copiague Union Free School District Suffolk Long Island 73.3%Lewiston-PorterCentral School District Niagara Western New York 71.7%

West SenecaCentral School District Erie Western New York 71.7%

Hempstead Union Free School District Nassau Long Island 70.0%

Peekskill City School District Westchester Mid-Hudson Region 65.0%

The Fiscal Stress Monitoring System and resulting fiscal stressdesignations rely on data (as of 12/31/2014) from ST-3 reportssubmitted by school districts to the State Education Department.This list (sorted in order of fiscal stress score) reflects a fiscalyear end date of June 30, 2014.Moderate Stress: Greater than or equal to 45% of total pointsSachem Central School District Suffolk Long Island 63.3%

Utica City School District Oneida Mohawk Valley 63.3%

Herkimer Central School District Herkimer Mohawk Valley 60.0%

Otego-Unadilla Central School District Otsego Southern Tier 60.0%

Johnson City Central School District Broome Southern Tier 60.0%

Glens Falls Common School District Warren Capital District 56.7%

Bay Shore Union Free School District Suffolk Long Island 55.0%

Lackawanna City School District Erie Western New York 55.0%

Corinth Central School District Saratoga Capital District 53.3%Evans-Brant Central School District Erie Western New York 53.3%

Fulton City School District Oswego Central New York 53.3%

Ausable Valley Central School District Clinton North Country 53.3%

Brookfield Central School District Madison Central New York 53.3%

East RockawayUnion Free School District Nassau Long Island 53.3%

Jamestown City School District Chautauqua Western New York 53.3%

Scio Central School District Allegany Western New York 51.7%

East Islip Union Free School District Suffolk Long Island 50.0%

New Paltz Central School District Ulster Mid-Hudson Region 50.0%

Poughkeepsie City School District Dutchess Mid-Hudson Region 50.0%

Frontier Central School District Erie Western New York 48.3%

Poland Central School District Herkimer Mohawk Valley 48.3%

Tioga Central School District Tioga Southern Tier 46.7%

Jasper-Troupsburg Central School District Steuben Southern Tier 45.0%

Niagara FallsCity School District Niagara Western New York 45.0%

Cazenovia Central School District Madison Central New York 45.0%

Fort Edward Union Free School District Washington Capital District 45.0%

Valley StreamTwenty-Four Union Free School District Nassau Long Island

POLITICAL CORRECTNESS IS JUST ANOTHER WAYOF LIMITING OUR FREEDOM OF SPEECH.

What if we take political correctness to its logical con-clusion? Here are a few examples of what might happen:The Boston Red Sox could not be called Red..becausethat is demeaning to our red friends and all people withred hair. They could not be called Sox because that dis-criminates against clothing manufacturers who do notmake sox. So, we call them The Boston Color Cloths!The New York Yankees cannot be called Yankees any-more, because that discriminates against people who wereborn in the South. So, we have the New York Baseballers!The Cleveland Indians, of course, cannot be called Indi-

ans, because that is demeaning to our red friends. So,they must be called the Cleveland Baseballers!The Boston Bruins can no longer be so called becauseBruins relates to bears and that is discriminatory to allother animals. So, they can only be called the BostonSkaters!The Atlanta Braves can no longer be called braves, be-cause that discriminates against cowards and our redfriends. So, they must be called the Atlanta Baseballers!The New York Giants can no longer be called Giants,because that is discriminatory as to small people. So,they must be called The New York Footballers!The Buffalo Bills cannot be called as such because itdiscriminates against all other male names. So, they mustbe called the Buffalo All Names.The New Orleans Saints cannot be so called becauseSaints discriminates against all non-Christian religions.So they could now be called the New Orleans Religions,except that discriminates against atheists and agnostics,so, they must be called The New Orleans Footballers.Well, you get the idea. Political correctness is somethingwe need to tolerate simply to keep peace with the axegrinders in our society. But, we really shouldn’t pay toomuch attention to it, keep speaking freely.

Floyd Eastman celebrated his 107th birth-day on Friday, February 6th at The OrchardNursing & Rehabilitation Center inGranville, New York. As the home’s oldestresident, he is very likely the oldest man inNew York and Vermont, where he previ-ously resided. The year Eastman was born,1908, Henry Ford developed the firstModel T Ford and Teddy Roosevelt waspresident.

When asked about how he achieved such longevity, he responded:“Stay active, and work at it.”Floyd was born on Feb. 6 in Dorset, Vermont. He had 5 siblings,and he was the oldest of the 6. All the others have passed away.As a youth he worked on farms and drove cattle. At the age of 17he was involved in one of the last cattle drives in Vermont, bring-ing the animals on foot from Manchester, Vermont to a Massachu-setts cattle auction.Eastman spent his entire life in the Dorset/Manchester area wherehe operated a meat market/grocery for a number of years. He wasmarried but did not have children. He retired in 1969.He has been healthy and took care of his 1/2 acre lot and house(including mowing, painting and climbing on ladders and roofs)and lived by himself until a few months ago when he moved intothe Center because he was having problems with his legs. Hisonly medication is an aspirin a day.Floyd was a long time member of the Masons and recently re-ceived his 65-year acknowledgment from the Masons, making himthe oldest member in Vermont.By all accounts he has a little hearing loss and doesn’t see as wellas he use to, but is otherwise is in good heal th and looking forwardto his 108th birthday.Good luck, Floyd, and God Bless you!

FIVE MAJOR COMPANIES

ADOPT PENSION FUND'S CALLFOR TRANSPARENCY ON

POLITICAL CONTRIBUTIONSNew York State Comptroller Thomas P. DiNapoli today announcedthat five major companies in the New York State Common Retire-ment Fund's portfolio have adopted the Fund's request to disclose

their political spending. As a result, the Fund withdrew its corre-sponding shareholder proposals filed with Eastman Chemical,

Marathon Oil and Valero Energy. Two other companies, DeanFoods and H&R Block, recently adopted disclosure of their cor-

porate political spending after the Fund's proposal won su

washington county news 2/12/15

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