Spotlight on Business


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Independence, dignity matter

Great-grandmother serves as inspiration for Scofield Access Solutions

Being raised by her great-grandmother allowed Carolyn Scofield a unique window into the world of the elderly.

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Avila lets seniors take it easy

Retirement community also makes healthy living a top priority

As local residents age and opt for the piece of mind that comes with moving into a well-maintained senior residence, many forget to look for a new home that focuses on healthy living.

Brick-and-mortar a solid investment

RealtyUSA’s Anthony Sabatino has a handle on commercial real-estate sales

Investing in the stock market undoubtedly has its share of risks, so finding something a little more tangible and manageable could provide a more stable fiscal option.

Education beyond the core

Loudonville Christian School’s curriculum includes faith, service and spiritual growth

Math, science, history, foreign languages and English are subjects that will be found within every classroom in the Capital District. In addition to these core academic subjects, what is it that makes a Loudonville Christian School education a unique one?

Hunger is affecting thousands of Capital District residents this winter

Did you know that more than one in six New Yorkers in our community is facing hunger every day? That more than 39,000 people in Albany County live at or below the poverty line? The number of people who go hungry is shocking to many of us. “How can that be,” we say, “when food is readily available and, for the most part, inexpensive?”

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Junk King makes cleaning up easy

Business prides itself on quality customer service

It’s all about being green for the Junk King.

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Embrace body and mind at eStudio

When it comes to getting physically fit, the owners of eStudio believe in the whole-body approach, offering classes in yoga, Barre and Spinning that encourage a mindful way to wellness.

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Establish a lifetime of good credit habits and secure your financial future

Spotlight on Finance

Your credit score is your financial transcript. It is compiled from your credit report, which is a detailed accounting of your borrowing history. Lenders use it to establish your credit worthiness and determine what rates you are eligible to receive. Landlords check it when reviewing your application to rent a property. Employers look to it to when assessing your financial habits and character. This is why it is so important to build a strong credit history by making sound financial decisions and using credit wisely.

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To preserve and protect: Understanding how long term care fits into your financial plan

Spotlight on Finance

Our financial well-being and long-term financial security has a direct relationship with the amount of risk we’re willing to assume and how we choose to transfer that risk. Long term care insurance is one way people mitigate risk later in life by providing the insured person with benefits when they can no longer perform a number of pre-defined “activities of daily living.”

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Innovative banking products can help you control your holiday spending

Spotlight On Finance

In recent years, cutting-edge electronics have become an important part of the holiday spending spree. Whether it’s personalized music players, a tablet, the latest gaming system or the latest in high definition television, they are big ticket gifts that make a big impact. They are also big budget busters.

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What you need to know before cosigning a loan

Spotlight on Finance

You might be asked to cosign a loan for a car you don’t drive, a college you don’t attend or a house you don't live in, but that does not change your liability. When you agree to put your name to paper on a joint loan, you’re assuming a risk a lender isn’t willing to take on—and it can have negative consequences, both in the short and long term.

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Retirement straight talk

Spotlight on Finance

Americans are not saving enough for retirement. This is hardly breaking news. When measured against accepted benchmarks—85 percent replacement of preretirement income or 50 percent of preretirement income if you factor income from Social Security—a recent report by the National Institute on Retirement Security states that we’re about $14 trillion short on savings for retirement.

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Going green with your banking and life

Spotlight On Finance

When it comes to going green, it’s not a matter of wasting less or conserving more. It’s not even about reducing your carbon footprint. It’s about making choices that are good for your health and the environment. Not coincidentally, many of these “green” choices are also good for your bank account.

Junk King takes out the trash for you

Rubbish removal company puts a high priority on recycling

Nearing its second year, Todd Porter’s Ravena-based junk-hauling business, Junk King, prides itself for its high level of customer service and effective recycling policy.

Local Allstate agents honored

Insurance company staffers earn ‘Premier’ designation

Delmar’s local Allstate Agency, located at 636 Delaware Ave. (between Stewarts & Bethlehem High School) is proud to announce being the recipient of the distinguished “Premier Agent” designation.