Jim Lozano founded CFO for Hire in 2000 and will continue to guide it for BST & Cos. Courtesy BST & Cos. CPAs LLP BST & Co. CPAs, LLP, one of the Capital Region's leading financial and management consulting...
Two key Hudson Headwaters physician-executives will be transitioning to new senior leadership roles effective July 1. Dr. John Rugge, founder and CEO, will be moving to the role of executive chairman and Dr. Dan Larson has been named chief...
Do you own a life insurance policy? Do you own the old life insurance or the new life insurance? Don’t know the difference? Let me help.
Traditionally, life insurance, whether it’s term or whole life, benefits only the beneficiaries of the policy, meaning you probably met your maker. No one wants to think about it, but we buy life insurance to protect our families, our businesses or to leave a legacy. However, other risks are far more likely to happen than an untimely death.
What if we live too long? What happens if we develop a sickness or become disabled? What if my needs simply change?
Consumers and advisors need to know about the new life insurance policies that allow you to use the death benefit while you’re alive. If the insured person is diagnosed with cancer, suffers a heart attack, stroke, etc., the critical illness rider on a new life insurance policy allows the insured to accelerate a portion of the death benefit to use for medical expenses or to offset lost income.
By Jill Nagy
Physical therapists agree that people sit too much and with bad posture and that it causes work-related aches and pains so many people suffer.
Some therapists recited the phrase “sitting is the new smoking” as an unhealthy habit.
Kate Pratt of Capital Area Physical Therapy’s office in Queensbury said she sees a lot of “postural type” problems, resulting from people bending over a computer screen and constantly looking down.
“It seems to be more sitting that gets people into trouble,” said Jason Campopiano of Local Motion Physical Therapy in South Glens Falls. People sit flexed forward, he said, and their shoulder, hip and neck muscles get tight. Then “gravity sets in and they lean further forward.”
Shannon Regner of Inova Physical Therapy in Queensbury sees patients with repetition-related problems, particularly in their shoulders and elbows.
“There are always problems with lifting,” resulting in problems in the shoulders and back, she said.
By Jennifer Farnsworth
Stability, knowledge, and reputation are all things anyone looking to purchase an insurance policy should look at when seeking an insurance agent.
Todd Miller, owner of The Kinney Agency, Inc. in Hudson Falls, said without these things it’s hard to build a relationship between an insurance company and the consumer.
Miller has been in the business since 1989. Since 1932, The Kinney Agency, Inc. has been providing personal and commercial insurance to people in and around Saratoga and Warren counties.
Miller said the agency first began in 1932 when a dairy farmer started selling insurance out of his house. His father then purchased the agency in 1975, and it was from him that Miller learned the importance of providing a quality services to both homeowners and business owners.
NBT Bank will be offering its Home in the City program in Glens Falls and is partnering with the Affordable Housing Partnership of the Capital Region (AHP) to assist first-time homebuyers. "Through our partnership with AHP, NBT's Home in...
Wood Brothers Quality Construction in Glens Falls started three years ago. This is one of the company’s new homes, of which it builds two or three per year.
Courtesy Wood Brothers Quality Construction
By Maureen Werther
Some people excel in one area but may fall short in others. For Dan Wood, owner of Wood Brothers Quality Construction in Glens Falls, a combined excellence in his craft and knowing how to run a business has brought him early success and a steadily growing reputation in the upstate New York and Vermont regions.
In his third year of business, Wood said he made the right decision to venture out on his own. After working in the construction field for 15 years, first as an estimator and then as a project manager, he felt it was times to “take the leap.”
“I reached a point where I was doing a lot of jobs on the side,” he said. The timing was right and he made the change from employee to business owner. He’s never looked back.
“There’s always that uncertainty and knowing that you have to raise a family,” said Wood, who is also the father of two young girls. “I’m doing exactly what I was meant to be doing. This is a passion for me.”
That passion is two-pronged. He loves building things, but he is equally passionate about marketing and selling them.
Wood began his building career designing and constructing birdhouses, then finding ways to sell them. He attributes much of his drive to growing up in a large family that didn’t have a lot. As one of seven children, his parents always pushed them to do their best.
By Jennifer Farnsworth
With spring finally here, local designers and home improvement experts say they will see a dramatic increase in calls from homeowners looking to make a change.
Trends for 2017 center around the desire for customization; everything from cabinets to tiles, to paint colors.
Craig Vollkommer of Details and Improvements in Glens Falls said as soon as the weather starts to warm up everyone seems to want to start renovating at the same time. His advice to customers is to start making calls to contractors as early as possible in order to get their projects on a work schedule.
“Plan ahead, and prioritize, know what you want. We seem to get the calls all at once, so if you are looking to have something done sooner, rather than later, you need to reach out to designers and contractors now,” said Vollkommer.
Kitchens and bathrooms seem to continue to be the most in-demand, according to Vollkommer. He said people want the newest in bathroom shower options, laminates, granites, custom tiles, and backsplashes. He said that requests for painting is the one thing that never changes.
By Margaret MacDonald
Argyle Craft Hops & Malts, owned by Rick Dennis, is a farm malt house and hops-growing business located off County Road 47 in Argyle.
The business sells its products wholesale to eight or nine breweries.
“The biggest challenge has been getting breweries to try the malt,” he said.
Breweries generally have standard varieties, tastes and flavors that they are partial to. Additionally, it takes 30 days for a batch to finish, so there’s necessarily a follow-up process involved with new interests. But thus far, interest in his product is running high, he said.
Dennis started out as a dairy farmer. He still sells hay, Christmas trees and vegetables and runs a small construction company on the side–for now.
Courtesy Eric and Eric
By Maureen Werther
For Eric and Kristina “Kit” Isachsen, the move to Brant Lake to start a construction business with college buddy and fellow high school teacher Roger (Eric) Daby back in 1972 was part of a natural progression.
Isachsen and Daby were schoolmates at Oswego College who both worked in construction jobs during their summers off. After graduation, they began teaching high school together. Isachsen taught industrial arts and drafting, while Daby taught industrial arts and art. While they both enjoyed teaching, their true passion was for actually doing the lessons they were imparting to their students.
“I really loved construction,” said Isachsen. Forty-five years later, he still does.
Another thing Isachsen loves are the Adirondacks. His strong bond to the region was formed early in his childhood. His father was a geologist for New York state and his job was to map the Adirondacks.
“I grew up spending my summers at a different place in the Adirondacks every year, as my dad mapped the region,” he said.