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NY State Of Health Will Open Enrollment Period For Health Marketplace On Nov. 16

Posted onOctober 18, 2021

NY State of Health, the state’s official health plan Marketplace, have announced the affordable health insurance options available to New Yorkers in 2022.

Open enrollment for coverage in a 2022 Qualified Health Plan starts Nov. 16 for new and returning consumers and ends on Jan.31.

“Marketplace enrollment has topped 6.3 million people this year as more New Yorkers choose to protect themselves and their families with affordable, quality coverage during the COVID-19 public health emergency,” said Acting NY State of Health Executive Director Danielle Holahan. “Consumers can begin previewing their 2022 plan options and premiums today through NY State of Health’s plan shopping tool.”

Significantly, officials said, expanded federal tax credits remain available to New Yorkers who enroll in Qualified Health Plans (QHP.) This enhanced American Rescue Plan Act (ARPA) financial assistance is available now, including to higher-income individuals for the first time. Consumers who receive premium tax credits, more than 60 percent of QHP enrollees, will see no change in their premium costs for 2022, or in some cases a small decrease in the cost of coverage compared to 2021.

According to the Health Department, one in three New Yorkers are enrolled in health coverage through the Marketplace. Enrollment has increased across all marketplace programs since April 2021, when the state began implementing ARPA tax credit and Essential Plan (EP) enhancements.

All 12 insurers that offered Qualified Health Plans last year will offer them again in 2022. Consumers who enroll in a QHP between Nov. 16 and Dec. 15 will have coverage starting Jan.  1.

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Local Partnership Offers Computer Coding Education To Unemployed, Underemployed

Posted onOctober 18, 2021

SUNY Adirondack and SaratogaCanCode have joined  forces to offer free computer coding education and training programs to serve unemployed and underemployed New York residents.

Funded through a state Department of Labor grant, the partnership will enable coding instruction in two popular courses—Front End Web Development and Python for Data Analytic —to serve up to 45 people starting Nov. 8.

SUNY Adirondack’s Workforce Readiness Academies Program (WRAP) provides free training opportunities for residents of New York state. Included in the program are customized services based on participant need, such as career coaching, academic advising, job-search skills, and accessing resources such as emergency child care and technology support.

The 12-week computer coding programs are offered virtually through SaratogaCanCode, which is part of CanCode Communities, a nonprofit organization dedicated to building a trained software workforce throughout upstate New York and beyond.

“We’re seeing such success with the summer cohort of students who are about to finish their IT boot camp training,” said Caelynn Prylo, Assistant Dean for Continuing Education and Workforce Innovation at SUNY Adirondack. “This program is truly transformational for the participants. With the workforce changes we’ve seen over the past year, more people than ever can benefit from this high-impact training program, expanding their skills and securing employment in a high-demand field and strengthen our region’s pool of trained, talented tech professionals.”

“We are delighted to partner with SUNY Adirondack to deliver computer coding education and training that is truly changing lives,” said Annmarie Lanesey, founder and CEO of CanCode Communities. “This is a wonderful opportunity to provide motivated individuals with pathways to exciting careers in the tech industry, and to build our tech workforce to support the rapid expansion of the digital workplace.”

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Jade Eddy Made A Success Of Family’s MT Returnables Business Through Hard Times

Posted onOctober 18, 2021
Jade Eddy is the owner o MT Returnables with facilities in Queensbury and Corinth.
Courtesy Jade Eddy

By Christine Graf

After MT Returnables owner Bob Ball died in a motorcycle accident in August 2020, his oldest daughter, Jade Eddy, spent the next eight months working to reopen the business.

Because Ball had no will and operated his business as a sole proprietorship, the company’s bottle and can redemption centers in Corinth and Queensbury were forced to close.

Ball established MT Returnables in Corinth in 2005 after a 20-year career with International Paper. When the paper company closed, he began collecting bottles and cans to earn money. At the time, bottle redemption centers were a new concept.

“He had a difficult time finding a job,” said Eddy. “He started driving around town and collecting bottles and cans from people and sorting them in the garage. We started calling him a professional hobo. My senior year in high school, he got a building in Corinth, and I thought he had lost his mind.”

Eddy, a Lake Luzerne native, started working part-time for her father when he opened the business. After graduating from high school, she continued to work part-time while enrolled in the business program at Adirondack Community College. At the time, she dreamed of opening her own clothing store. After discovering that she didn’t enjoy working in retail, she decided to work full-time at MT Returnables. In 2012, after Ball became overwhelmed by the administrative side of operations, he put her in charge of the business.

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Rose Miller Led Her Pinnacle HR Company’s Growth From Five Employees To 30

Posted onOctober 18, 2021
Rose Miller is president of Pinnacle Human Resources LLC.

By Christine Graf

Before owning her own company, Rose Miller worked in human resources for companies of all sizes. Around 2005, she began to seriously consider the idea of opening her own human resources consulting business.

“You have to do a scout model. Always be prepared and get as many facts as you can,” she said.

Her research revealed that the number-one failure point for HR professionals who went out on their own was loneliness and isolation. A self-described people person, Miller found that concerning.

“I saw myself quickly becoming dissatisfied with working out of my house,” she said. “I also knew that one of my strengths is building great teams. I knew I didn’t want to work all by myself. I wanted to build a company.”

Her first step was to create a business plan. According to Miller, it is essential for anyone who is thinking about starting their own business.

“So many entrepreneurs don’t write a business plan, but you really need to sit down and go through a professional business plan because it makes you formulize things and delve into areas that you may not be strong at. To put it in writing is an amazing exercise.”

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Kylie Holland Gained The Needed Experience As She Prepares To Head The Family Business

Posted onOctober 18, 2021
Kylie (Curtis) Holland will one day be CEO of the family business, Curtis Lumber.
©2021 SaratogaPhotographer.com

By Christine Graf

While still a student at Galway High School Kylie (Curtis) Holland started working at the front counter at Curtis Lumber in Ballston Spa. Today, the sixth-generation member of the Curtis family is preparing for the day when she will take the helm of the family business.

Her father, Jay Curtis, currently serves as CEO and president of the 131-year old company that has 23 locations and approximately 700 employees. He took over in 1991, the same year that Holland was born.

During the four years that Holland attended college at SUNY Cortland, she made a five-hour round trip each weekend in order to continue working at Curtis Lumber. After graduating with a degree in criminal justice in 2012, she considered attending law school.

“I was faced with a choice of either you go to law school or you work (at Curtis Lumber),” she said.  “Because of the intensity of law school, I knew I couldn’t do both. That was kind of my moment where I had to choose. I just couldn’t imagine what it would look like to walk away from Curtis Lumber.  I loved it, and I loved the people. That’s when I decided this was the path for me after all.”

Although her older brother, Christopher, also works for Curtis Lumber, he is not interested in taking over when their father retires.

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Elle Salon Operating In New South Glens Falls Location With Room For More Services

Posted onOctober 18, 2021

By Susan Elise Campbell

Ever since she could remember, Danielle Kresge wanted to run a hair salon and spa.

Half her dream was realized when she started Elle Salon three years ago in South Glens Falls. Now in her new location at 113 Saratoga Ave., Kresge has the room to add staff and services to give clients the full spa experience.

“At the other location, I had a good starting point to get my feet wet,” she said. “I’m actually surprised at how quickly we grew, and proud of it.”

Once she determined to move and expand, Kresge knew she would put her clients first. The location she found on Facebook was a brand new building in which she could picture clients “relaxing and enjoying themselves,” she said.

“The space is like an open canvas with white walls and high ceilings,” she said. “It has a clean, breezy, airy feeling.”

Since the move the first week of August, there have been a few new hires, bringing the staff to 12.

Elle Salon and Spa now has four rooms for spa services, including facials, body waxing, eyelash extension, hand-tied hair extensions, brow lamination and make-up. There is also a dedicated room for full body massage.

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Residential Real Estate Is Experiencing A Boom As The COVID-19 Pandemic Eases

Posted onOctober 18, 2021
Susan Kassal is a real estate agent with Hunt Real Estate.
Courtesy Hunt Real Estate

By Christine Graf

The residential real estate boom that is occurring throughout the country has Capital Region real estate agents scrambling to find homes for their clients. Much of the demand is being fueled by millennials who are in their prime home-buying years and make up the county’s largest demographic.

The decline in interest rates that took place during the past year has made purchasing a home especially attractive. Mortgage rates dropped in 2020 and reached a record low of 2.65 percent in January. Those in the industry say demand far exceeded supply of homes, and low supply has been the primary driver for the rapid increase in home prices.

“It’s nuts,” said Howard Denison of DeMarsh Real Estate in Glens Falls. “People are offering up to 10 percent more than asking. There was a two-family ranch that sold within four hours. Potential buyers are getting upset and disgusted.”

According to Susan Kassal of Hunt Real Estate, during her 19 years in real estate she has never witnessed such high demand for residential properties. Many of her customers make offers on three to four houses before securing a winning bid, and a surprising number are making all cash offers. Although the majority of the cash buyers are relocating from cities, she said some are local.

“I’ve never seen so many all cash offers. Cash is winning, and if you have cash and come in on the first day or two you can grab it. Even in the $400,000 or $500,000 range, you are seeing cash. We’ve seen people come for vacation homes and pay cash, and they are beating out local people. It’s causing a lot of frustration, but in the last month or so I’ve seen the inventory picking up. And we are finding homes for all of our buyers. But you have to be the first one in.”

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Business Report: Preserving Vacation Home For Future Generations

Posted onOctober 18, 2021
David Kubikian is a principal with Herzog Law Firm in Saratoga Springs.
Courtesy Herzog Law

By David A. Kubikian, Esq.

When people own something of sentimental value, they are sometimes unsure of how to pass it down to their family for future generations to enjoy. This is especially the case with a vacation home or camp that has been in the family for years.

Example: You own a beach or lake-front vacation home for years in a now sought-after area. You have seen your children (and grandchildren) grow up there and recall memories of watching sunsets over the water, roasting marshmallows over a campfire, and teaching the kids how to swim. It may be difficult to think that this home will be sold out of the family when you die and would like to preserve it for enjoyment of generations to come.

How can you best insure this property will be there for future generations to enjoy (and at times cohabitate), as your family tree grows or in future after your passing?

Who will be responsible for paying the Insurance? Taxes? Repairs? Maintenance? Fees?

Who decides which family members or friends use it and when?

What impact would future divorces or bankruptcies have on the property?

How can you protect the property from a Medicaid spend down?

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Commercial Real Estate Market Declines As Pandemic Reigns, But Optimism Exists

Posted onOctober 18, 2021
Howard Denison, associate broker at DeMarsh Real Estate in Glens Falls.

By Christine Graf

Unlike the residential real estate market which has boomed during the COVID-19 pandemic, the commercial real estate market has experienced a significant decline, according to those in the industry.

The demand for commercial space has been impacted by pandemic-related business closures and the changing demographic of the workforce. According to a Gallup poll, 72 percent of white-collar workers were still working remotely in May 2021.

Many companies are expected to  switch to a hybrid model or to allow employees to continue working exclusively from home after the pandemic ends. If this happens, the demand for commercial office space could drop significantly.

The pandemic also led to a dramatic increase in Ecommerce, which was already a threat to brick and mortar retailers who now fear that consumer behaviors that changed during the pandemic may become permanent. A record number of stores closed in the U.S. in 2020 leaving 159 million square feet of retail space vacant.

Despite these concerns, Howard Denison, associate broker at DeMarsh Real Estate in Glens Falls, said the local commercial real estate is rebounding after being “under the weather” for the past year.

He has been working in real estate for 31 years and attributes much of the recovery to the Route 9 sewer project in Moreau. The addition of a municipal sewer system in the town’s commercial corridor is expected to lead to development and economic growth in area where growth had stagnated.

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EDC Warren County Disc Golf Tournament Raises Some $10,000 For ‘The Ed’ Fund

Posted onOctober 18, 2021
Hudson Headwaters Health Network team, one of several area businesses entered in the disc golf tournament benefitted the Edward M. Bartholomew, Jr. Memorial Fund.
Courtesy EDC Warren County

The disc golf tournament held by EDC Warren County on Sept. 17 at Crandall Park in Glens Falls raised nearly $10,000 for the newly established Edward M. Bartholomew Jr. Memorial Fund to be used for internships at Warren County nonprofits and small businesses.

The fund is known as The Ed.

“We had such a wonderful event,” said EDC spokesperson Amy Potter. “For the majority of the players, it was their first time trying the sport. We know Ed was proud of this park as it keeps growing, adding a diverse attraction to the city of Glens Falls.

“Thank you to the Crandall Park Beautification Committee, Elizabeth Little Hogan, and her family for tending to the course just hours before tournament time to make sure the players had the best experience. Course steward and co-host Greg Hill from Innova provided the necessary structure to run a successful event while also providing pro tips to the players. We thank all our volunteers, Ed’s family and close friends, and the event sponsors as we look forward to launching the internship program.”

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