Gardening: Choose Your Own Adventure
Written By Editor on 1/9/23 | 1/9/23
MURDER MYSTERY DINNER THEATER PRODUCTION SCHEDULED AT PAUL NIGRA CENTER FOR CREATIVE ARTS
Gloversville, NY – The Paul Nigra Center for Creative Arts is hosting an original Murder Mystery Dinner Theater production, “A Roaring Rubout or Who Plugged the Palooka?” on Friday, January 27 and Saturday, January 28, 2023 from 6:00pm to 9:00pm. The production, written by Roberta Esposito, includes a storyline that takes place during the Roaring 20s and features performers from the Esposito-led Foothills Family Productions.
Tickets are $55 per person and attendees are encouraged to put on a flapper dress, zoot suit, or throw on a boa or fedora to join the fun at this interactive experience. Price of ticket includes dinner and the show, with dinner prepared by Chef Wally Hart. Members of the Nigra Arts Center receive a 20% discount on tickets. Reservations are required and there will be a cash bar available. Tickets can be purchased on Eventbrite or by calling the Nigra Arts Center at (518) 661-9932.
Because of the nature of the production’s storyline and performances, seating will be assigned. If there are seating requests please indicate that upon registration. If attendees have any dietary restrictions it is requested that the Arts Center be apprised of this at least one week prior to the performances. The Paul Nigra Center for Creative Arts is located at 2736 State Highway 30, Gloversville, NY.
About the Paul Nigra Center for Creative Arts:
The Paul Nigra Center for Creative Arts is a beautiful, year-round arts center open to the public. It houses premium art venues, hosts fun family events and provides educational opportunities for persons of all ages and levels of ability. The Nigra Arts Center also offers exceptional spaces for private parties or business events. The Nigra Arts Center was founded in 2015 by The Arc Lexington, an accredited, award-winning provider of disability services. For more information, visit www.pncreativeartscenter.org.
Bushel presents its January Community Film Pick: Summer of Soul
Financial Wellness Programs for Businesses
Written By Editor on 1/7/23 | 1/7/23
If you’re a small business owner, chances are that at least some of your workforce is stressed and distracted by worries about money, making them more frazzled and less productive on the job. Studies show that 73% of Americans say their finances are the number one cause of stress in their life.1 And for those who are employed, nearly half say that personal financial issues create distractions at work.2
These statistics could paint a worrisome picture of the mental health of your employee population. They could also impact your company’s bottom line. Each year, employers lose an average of $1,900 per employee in lost productivity due to financial stress.2 This helps explain why more and more employers are making financial wellness programs available as a workplace benefit.
Financial wellness is mutually beneficial for both employees and employers. Such programs can improve your company’s fiscal health while boosting your employees’ productivity and engagement. Let’s take a closer look at employee financial wellness programs and the benefits they can bring to both employees and employer.
What is an employee financial wellness program?
Employee financial wellness programs are programs that help employees better manage their finances and reduce financial worries. As such, they contribute to a better overall financial wellbeing for employees.
When it comes to employee financial wellness, employers can implement a variety of different programs and offerings. Some focus solely on financial education, while others layer employer matching, financial assistance, and other opportunities into the equation.
Educational-focused programs, for example, may provide employees with financial workshops about homeownership, retirement savings, budgeting, or debt management. Employer matching programs may involve matching a certain percentage of retirement contributions employees make to their 401(k) or to student loans. And other types of financial assistance could include tuition assistance, medical bill negotiation, or financial planning subsidies.
The key to a successful financial wellness program is first determining the specific needs of your employees so that you can more accurately meet those needs. Different workforces will have different financial situations and necessitate different programs.
Why is it important for employers?
In a recent survey, nearly 70 percent of employers say they recognize the value in offering financial wellness programs to make them more competitive in hiring and retaining employees.3 If you haven’t explored a financial wellness program for your employees, you may want to consider how adding one could benefit your organization. Doing so may provide:
The potential to enhance workplace satisfaction as your employees gain greater confidence about their financial direction in life.
Improved productivity among employees who are no longer overwhelmed with concerns about their financial situation
Better retention of employees, who find enhanced gratification from work that they are confident is fulfilling their financial needs
The potential that employees who carry less stress about their financial well-being will enjoy greater health, resulting in fewer medical issues and reduced health care costs.
Financial wellness programs should be looked at as an attractive add-on to your company’s total compensation plan.
Plans can be structured to suit the needs of your business. Reach out to your financial advisor. Ameriprise Financial and other firms have programs that can be designed to benefit your employees.
1 2021 CreditWise National Get Smart About Credit survey.
2 2020 PWC Employee Financial Wellness survey.
3 MassMutual Financial Wellness Trend Study, Feb. 2020.
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Michael D. Lanuto, CRPC®, AWMA® is a Financial Advisor with S.M. Miller & Associates, a private wealth advisory practice of Ameriprise Financial Services, LLC. in Albany, NY. He specializes in fee-based financial planning and asset management strategies and has been in practice for 7 years. To contact him: 518-949-2039; 4 Atrium Drive, Ste 200, Albany, NY, 12205; Michael.Lanuto@ampf.com; https://www.ameripriseadvisors.com/michael.lanuto/lp/request-contact/3/.
Snowshoeing at Landis Sunday!
Written By Editor on 1/6/23 | 1/6/23
Elmo's Speed & Supply-Chassis Seminar
Written By Editor on 1/3/23 | 1/3/23
Missing Davenport Man Found
Bassett Healthcare Network Welcomes First Baby of 2023
Cooperstown, N.Y. – Bassett Healthcare Network’s Birthing Center in Cooperstown welcomed the first baby of 2023 at 3:15 a.m. on January 2. Ezra was born to parents Calvin and Sarah Hardy of Jordanville. Their little boy weighs 8 pounds and is 21 inches long. Ezra has two older siblings – a brother, Oliver (5), and a sister, Leah (3). Calvin and Sarah are thrilled about the arrival of their baby boy. “We thought Ezra would make his appearance in 2022,” said Sarah. “But we’re so happy he decided to arrive in the New Year – we can’t believe he is officially the first baby of 2023 at Bassett! We’re very excited to move into the New Year with a bigger family.” In 2022, 975 babies were born at Bassett Medical Center’s Birthing Center. |
Schoharie Library News December 29, 2022
Written By Editor on 12/28/22 | 12/28/22
518-295-7127 www.schoharielibrary.org
Schoharie Library Hours: MTF 11am-6pm, Wed. 5-8pm, Thurs. 12pm-7pm, and Sat. 10am-2pm
The Schoharie Library will be closed Monday, January 2. Happy New Year!
Teen Thursday: Every Thursday 5-7pm. Come hang out in our Teen Room - socialize, create in our Makerspace, play board games, code with our Dash Robot, share book recommendations, and much more!! Ages 13 - Young Adult Welcome! No registration required.
Storytime with Yvonne: Fridays at 10am. Stories, songs, fun activities!
Writing Club (Virtual): Mondays at 6:30pm. https://bit.ly/SchoharieLibraryPrograms
Virtual UFO Club: Thursday, January 12, 10am. Work on projects and chat on Zoom. Signup: https://bit.ly/SchoharieLibraryPrograms
Middle Grade Book Group: January 9 & 23, 4:15-5pm: Children grades 3rd - 6th are welcome to join us. Refreshments, track reading to earn prizes.Sign up today at https://bit.ly/MGBookGroupSHO.
Board of Trustees Meeting: Wednesday, January 11, 7pm.
Story Celebration of Martin Luther King, Jr. Day: Monday, January 16, 3pm.
Open Craft Buffet: Monday, January 16, 3:30-5:30pm. Stop by and use our materials to create something fun!
Knitcetera at the Library: Tuesday, January 24, 10:30am-noon. Embroider, sew, knit, anything goes!
SUNY Cobleskill Fighting Tiger Weekly Recap
Gardening Tip of the Week by Bob Beyfuss
Happy New Year!
I hope you had a nice Holiday(s) and that Santa Claus brought you all the cool stuff you were hoping for! If not, I suggest you treat yourself to a gift or two, or three, to celebrate surviving another year! The day, or even the week after Xmas is often a great time to get a bargain on some beautiful gift plants. Poinsettias will look great for weeks as long as you don’t overwater them or cut off the colorful bracts. If they become infested with white fly, which look a lot like flying confetti, you might consider trashing them before these insects move onto other houseplants. Don’t feel guilty about this euthanasia, because next winter a whole new crop will be grown for you to enjoy!
If you did receive a new chainsaw, electric or gas powered, I suggest you buy yourself a helmet with a face shield and built in hearing protection. In a previous column, a few weeks ago, I said that a helmet was not necessary unless you are felling trees, but I was reminded by a reader that helmets with face shields can protect you from a chain “kick back” injury to your face, regardless of where you are cutting up wood. There are no “minor” injuries from being hit by a running chainsaw. Modern chainsaw technology has reduced the incidence of chain “kick-backs” a great deal, but they are still possible. Chainsaws can also pick up smaller pieces of wood and throw them at you as well, much faster than you can react. The helmet offers face, ear and head protection in one easy step and takes only seconds to put on. Don’t forget the chaps either. It takes me less than 30 seconds to put on my chaps and that is time well spent.
For those of you enjoying a lovely gift plant, remember that the trick to keeping all of your houseplants healthy all winter, is to be careful not to overwater them. Like us humans, houseplants don’t usually thrive during the dark months and plants that are not actively growing rarely need to be watered. Allow the soil surface to dry out to a depth of several inches before watering. Don’t apply any fertilizer at all during winter. Adding some supplemental Grow Lights will help to keep African Violets and all their relatives (Achimenes, the lipstick plant, Aeschynanthus, the flame violet, the Cape primrose or Streptocarpus, the goldfish plant or Nematanthus and the florist gloxinia and other sinningias, happier than a drafty windowsill. Xmas cactus that bloom profusely on one side, but not the other, are doing so in response to cold temperatures near a window. Turn the plants frequently to insure a more uniform display. If the Xmas or Thanksgiving cactus does not bloom at all, find a place with night temperatures in the 50’s to trigger flowering.
I will be entering the New Year with less hair on my head, but more hair in my ears, on my neck and back. I have more belly in front, as my formerly manly chest and shoulders have descended, the victims of time and gravity that no one can escape. I have less money in the bank, but I am more satisfied with what I have. There is surely less time left in my hourglass, but I am more aware of this fact. I lost a couple of old friends in 2022, but made some new ones, as well. 2022 was a very good year for me mentally, as I was able to resume my pre-Covid lifestyle and make several road trips to Appalachia and Wisconsin.
As usual, I have some gardening resolutions that I may or may not achieve in 2023. After last year’s disastrous garden failure, I don’t think I can possible do as badly as I did. I resolve to ignore the urge to buy and use chemicals, especially herbicides, as much as I usually do. I will grow only 8 full size tomato plants, plus a couple of cherry types. I will not grow sweet corn, hot peppers, or any other vegetable I don’t really enjoy. Fewer winter squash, more cucumbers, no turnips, the same quantity of green beans (10 plants total), more beets, my old onion favorite, (Sweet Sandwich), fewer leeks (a dozen is plenty!), perhaps some red cabbage or Chinese cabbage, and maybe a few potatoes, if there is no evidence of voles.
For all you Dear readers, I ask that you all resolve to not be so easily offended in 2023, by the nightly news, your partners, (who really do love you, even if it does not seem that way, all the time), bad drivers, inconsiderate drivers, traffic lights, politics, rude people and idiots on Facebook!
Whittling Away - The New Year
Cobleskill Library News
Town of Prattsville Organizational Meeting Notice
Take Steps to Save On 2022 Income Taxes Before the Year Runs Out
Written By Editor on 12/26/22 | 12/26/22
As 2022 winds down, it’s a good time to assess whether there are opportunities to trim this year’s tax bill. Waiting until you begin to work on your tax return in early 2023 will be too late to save in most cases. So, if you’re interested in potentially saving on taxes, you should plan now, before 2022 comes to an end. Consider if any of these actions make sense for you.
Manage your deductions
Wondering if you should itemize your deductions? For 2022, the standard deduction for a single person is $12,950, and for a married couple filing a joint return is $25,900. If your deductible expenses1 (such as mortgage interest, state and local income or sales taxes and property taxes) don’t exceed that amount, claiming the standard deduction may be best for you. For many people, this can be a close call – you might itemize one year and claim the standard deduction the next. To the extent possible, you may consider consolidating deductible expenses in one year to itemize and then claiming the standard deduction in the future.
Make timely investment decisions
Buying and selling investment decisions shouldn’t be based on tax considerations alone. If you own mutual funds in taxable accounts, you may receive a capital gain dividend before year’s end, which will be subject to tax. You may want to avoid buying into a mutual fund late in the year if it is on the verge of making a sizable capital gain payout. By doing so, you pick up a quick tax liability when the gain is paid, without benefiting from the previous performance that generated the gain.
While no one likes investment losses, you may be able to use them to generate a positive result: a lower tax bill for a given calendar year. The U.S. tax code requires that losses first offset gains of the same type. For example, short-term losses will first offset short-term gains. Because of the higher tax rate for short-term gains, focusing on short-term losses can have a more substantial effect on your tax savings than long-term losses – especially if you are in a higher federal tax bracket. If you didn’t have capital gains this year, you can use up to $3,000 in capital losses to reduce ordinary income. You can carry over any remaining net capital loss to future tax years until you use the loss.
Maximize retirement plan contributions
Boosting pre-tax contributions to your workplace retirement plan may reduce current taxable income while helping you build savings for the future. How much it may impact your current taxable income is based on your current tax rate and your filing status.
Take full advantage of charitable contributions
In 2022 only, an individual who doesn’t itemize deductions for the tax year may deduct charitable contributions of up to $300 ($600 for a married couple filing a joint return). To be eligible, contributions must be made in cash to certain charitable organizations but not to donor-advised funds or certain private foundations.
Seek guidance
If you are seeking to implement these or other significant tax-saving strategies, be sure to check with your financial and tax advisors for confirmation that the measures you are implementing are the most appropriate for you.
1 Subject to any applicable limitations.
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Michael D. Lanuto, CRPC®, AWMA® is a Financial Advisor with S.M. Miller & Associates, a private wealth advisory practice of Ameriprise Financial Services, LLC. in Albany, NY. He specializes in fee-based financial planning and asset management strategies and has been in practice for 7 years. To contact him: 518-949-2039; 4 Atrium Drive, Ste 200, Albany, NY, 12205; Michael.Lanuto@ampf.com; https://www.ameripriseadvisors.com/michael.lanuto/lp/request-contact/3/.
Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.
Investment products are not federally or FDIC-insured, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.
Ameriprise Financial and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation.
Ameriprise Financial Services, LLC. Member FINRA and SIPC.