I walked past an open window the other day and there it was — that smell. The delicious aroma of fresh winds blowing across amber leaves tells us that the end of summer is imminent. That same smell always takes me back to my childhood backyard where the hazy days of idleness would soon be fi…

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While creating an estate plan is a common part of a financial plan, creating a family legacy is equally as important when thinking about how you want the wealth you’ve built to be distributed. In addition to including your family in financial discussions early on, you can also discuss what’s…

Index funds, which try to match the performance of a particular market index, have drawn increasing interest from investors, but traditional actively managed funds still hold more assets. There is ongoing discussion in the financial media about which approach is most effective, but there may…

As a former high school English teacher, I can’t let another Banned Books Week go by without calling attention to the absurdity of banning books.  

I love babies. Who wouldn’t? Well, I guess there are some people who don’t, but I’m here to talk about the rest of us. And technically, I love to hold babies, just not all night long when I should be getting my beauty sleep. And I love to smell babies — until they poop their pants. Then I pa…

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Too often, fiscal and social policies developed by the state’s One-Party leadership are misaligned with the needs of those living here. The overwhelming shortage of direct-support professionals caring for the disability community is a prime example of this. While fast-food and retail employe…

I just read an interesting article on the effects of placebos versus drugs. There have been many studies proving they work as well as drugs, at the cost of what … a billion dollars worldwide? They could have saved a lot of money if they had just taken the time to talk to me.

Inflation, roller-coaster markets, global events, and life circumstances can test anyone’s fortitude. You may not feel ready to handle these pressure-filled times and might worry about the potential effects on your financial well-being. Fortunately, you can take steps to build the resilience…

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After more than 20 years, it is still nearly impossible to comprehend the unspeakable tragedy our nation endured on Sept. 11, 2001. That day, the world changed, and we are still dealing with the impact of the tragedies that took place in New York City, Pennsylvania and Washington, D.C. This …

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Any town of sufficient size invariably has a favorite “greasy spoon” diner, frequented by locals and visitors alike. I remember one diner that hung a plaque on the wall that said, “Order what you want. Eat what you get!” That is never the case at Wade’s diner in Oswego, where they always get…

September is National Life Insurance Month. Life insurance is one of the most fundamentally important resources in all of financial planning. Many people don’t recognize how versatile a tool life insurance can be within a typical financial plan. And it’s not just the policies themselves that…

I was talking with some friends recently about birthday, anniversary, and reunion celebrations from this past summer, and though my family had plenty of each this year, none were big milestones or noted an even-numbered year. But I realized that September of 2022 does mark an event 40 years …

I got roped into doing something I didn’t particularly want to do. My guild is heavily involved in the Oswego County Fair in Sandy Creek and they needed helpers in the Domestic Arts building. It’s a bit of a drive for me, but I was willing to give them one day.

Knowing when it’s the right time to retire can be difficult, especially if you love your job. Even professional athletes have a hard time knowing when to walk away!

Semesters are made of memorable moments, but the start of an academic year is always the best of times at Cayuga Community College. There’s an invigorating sense of anticipation when our students return to campus and our new students begin their journey in higher education. It reminds all of…

Near the end of 2019 I finished a quilt that was so exceptional I deemed it state fair worthy, and I couldn’t wait for registration time. Mostly because I wanted to put it on my bed, which I couldn’t do until after it had been in the fair. So I laid it atop the guest bed, upside down, and waited.

Like it or not, taxes are a way of life. They fund great things like roads, libraries and parks, but nobody wants to pay more than they absolutely have to. We often get questions like, “How can I balance my tax obligations with my financial goals?” and one possible option is a Roth IRA. Roth…

Well, Happy New SCHOOL Year anyway. Yep, it’s right around the corner. 

Each year, New Yorkers and visitors from around the country are treated to world-class entertainment, quality locally-grown produce, contests, music and more at the Great New York State Fair. Prior to the pandemic, in 2019, the fair attracted a record 1.33 million visitors during the 13-day …

A local newspaper is slowly becoming a novelty, especially one that isn’t owned by one of the major media conglomerates throughout the United States. In the past week, numerous journalists were laid off by Gannett after second quarter financial results came in.

I belong to numerous groups that gather frequently. In one of my groups, a sweet friend of mine admitted that she had gotten scammed. One of her devices wasn’t working, so she Googled Apple for its phone number and dialed it. The person answering said everyone was on vacation that week but h…

In an early July poll, 58% of Americans said they thought the U.S. economy was in a recession, up from 53% in June and 48% in May. Yet many economic indicators, notably employment, remain strong. The current situation is unusual, and there is little consensus among economists as to whether a…

Even under the best economic conditions, back-to-school shopping can be financially challenging. In today’s times of historic inflation and economic uncertainty, it’s an even bigger hill to climb. Unfortunately, this is the reality facing many New York families as September rapidly approache…

Forty-four percent of Americans do not own any stock, or stock related investments, according to a recent Gallup Poll. Individuals may cite different reasons for not investing, but with important long-term financial goals, such as retirement, the reasons to not invest may actually be harmful.

For over 30 years, calendars in Oswego have reserved the last full weekend in July for Harborfest. But, for almost the entire decade of the ‘90s, the week following Harborfest was also blocked out on local baseball-loving families’ calendars for an extremely popular baseball camp.

The hubby and I were sitting at the kitchen table reading when he said, “What’s that noise?”