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Dec
21
2007
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by Reprinted with permission of Investment Representative Celine Richardson of EdwardJones
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Friday, 21 December 2007 |
 If you've even casually followed the news over the past several months, you've probably heard about "subprime loans." But the issue can be confusing, and if you're like most people, you really just want a couple of questions answered: How might these subprime loans affect the economy? And will I need to adjust my investment strategy?
To begin with, let's define subprime loans. Generally speaking, a subprime loan is a mortgage made to a borrower who might not otherwise qualify for a loan. Subprime lenders typically charged these borrowers higher interest rates, but some subprimes were adjustable rate mortgages (ARMs), which meant they carried a lower rate for the first few years of the loan. Many subprime borrowers took out ARMs, hoping their credit would improve enough for them to qualify for a better rate before the mortgage rate was adjusted upward. When this didn't happen, they were hit with higher payments and many faced foreclosure. Because many of these mortgages had been resold and then packaged into other financial vehicles, the bad loans hurt these investments.
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Dec
21
2007
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by Lindsay D. Hart
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Friday, 21 December 2007 |
Ithaca, NY (December 18, 2007) - Local RE/MAX Real Estate Agents Barbara Blanchard and Marge Hovanec have been named to the Top 100 individuals in Real Estate by transactions for 2007. This respected title is appointed by RE/MAX of New York Inc. Barbara and Marge were chosen out of a field of 2,110 RE/MAX of New York agents.
Barbara Blanchard (left) and Marge Hovanec
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Dec
14
2007
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by Reprinted with permission of Investment Representative Celine Richardson of EdwardJones
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Friday, 14 December 2007 |
Now that the holidays are here,
you're probably looking around for the right gifts for your loved
ones. Of course, as you know, it's not always easy to find gifts
that are both meaningful and useful. This year, why not add financial
gifts to your shopping list?
What types of financial gifts should
you consider giving? Let's
look at a few possibilities:
- Contributions to Section 529 plans - If you have a child (or
grandchild) that will be headed off to college in a few years,
you may want to contribute to a Section 529 college savings
plan. Your earnings and withdrawals will be exempt from federal
taxes as long as the money goes toward paying college costs.
There may be additional tax benefits to those who participate
in their own state's plan. Also, you can contribute generous
amounts to your savings plan. Plus, you can change beneficiaries;
if you've been putting money in a Section 529 plan for your
child or grandchild, and he or she decides to forego college,
you can transfer the money to another family member.
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Dec
14
2007
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by Dan Veaner
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Friday, 14 December 2007 |
 Dr. Digit 'Splains It All
Last week I talked about what drove me to get a MacBook. This week I will tell you how a Windows guy is adjusting to the Mac. Granted I have a long-standing PC bias, so there are some things I want to carry over from my PC experience. But I am willing to be flexible if the rewards are worth it.
The first thing I hated was not having a right mouse button. The woman who helped me at the Mac Store actually solved this for me. She showed me just where to go in Keyboard and Mouse System Preferences to set up the secondary button. Presto! not only do I have a right mouse button, but almost all of the programs have context menus (the litle pop-up menus you see in Windows when you right click) on the Mac! Mission #1 accomplished.
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Dec
14
2007
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by Staff
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Friday, 14 December 2007 |
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(Lansing, NY) -- Jazzercise dance-fitness classes formerly held at Lansing Elementary School and the Groton Fitness Center will move to the new Upstate NY Jazzercise Center in Lansing at 3100 N. Triphammer Road starting December 3, 2007, according to instructors and facility owners Eileen Coller and Lee Ann Capogrossi.
"Our move to N. Triphammer Road allows us to better accommodate students with a convenient location and comfortable workout space," explained Coller. Classes will take place Monday through Thursday at 4:45 and 6:00 p.m., on Saturdays at 8:30 a.m. and 9:30 a.m., and on Sundays at 9:30 a.m.
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