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Author: Saratoga TODAY

The 4 Foundations of Fitness

One of the most asked questions I receive while in the clinic, is “What do you treat most often?”

My response, although a bit of dead-pan humor is, “humans mostly.”

Yes. I treat shoulders, hips, backs, knees, post surgeries, jaw, and just about any orthopedic condition someone may have who comes through our doors. Although my response may be a bit of dry wit, it is true. Looking beyond an impaired body part and at an individual’s function and quality of life is what I do. 

We are not individual body parts, we are whole people!

Let’s look at an example of a 68 y/o woman who recently hurt their elbow after playing two days of grueling tennis matches in a row. She comes in with raging elbow pain whenever she tries to hold her racket or grab onto the steering wheel. Life is now debilitating, frustrating, and seems like she is stuck in a hole of darkness. Everything in daily life hurts. Time goes on, with hard work, treatment, avoiding activity that makes it worse, activity modifications, the elbow pain is nearly gone. Tennis can be played again, and everything is alright.

She has family in town for the races and her two young grandsons come to visit. The woman is ecstatic that she gets to play with them for the first time in several months. The family heads to the playground. She is carrying her grandson in her loving arms while walking over the grass into the sand. Suddenly she seems quite unsure of her footing and decides to place her grandson down to walk beside him instead. Both little ones want to play in the sand. Slowly and hesitantly she kneels down in the sand placing much of her body weight through her previously painful elbow and realizes how much more difficult the movement really is. After some time playing, it is time to get up…

The above scenario is a great example of how injuries heal, but how narrow focused we can get on specific injuries. We cannot miss the big picture of fitness! Fitness helps us engage in exercises, play sports, move around the house, hold our children, carry groceries up the stairs, and so much more that makes our quality of life better.  Four fitness foundations make up our daily activities: stability/balance, mobility, power, and strength.

If we engage and work on these four movement principles, we will be able to move well and thrive.

Foundations of Fitness

1 – Stability/Balance. A proper starting place should be established before we try to enhance our movements. Stability is our body’s ability to control a movement at or into a specific position.  The grandmother above was unable to maintain safe stability while carrying her grandson through some uneven terrain, thus forcing her to set him down.

All movements in our body come from our brain. There is an intricate and complex highway of nerves that must be coordinated together to make clear and concise movements or to maintain our balance. If we fail to stabilize our body or joints, whether it is moving or trying to stay still while resisting forces, movement dysfunctions or injury may occur.

2 – Mobility. Mobility is our ability (or our joints ability) to move through its entire available range of motion. As our habits and lives change, our bodies will adapt to new, usually smaller ranges of motion. Yes, age does factor into it, but less than what you would think. The tennis player had been out of tennis for a while and developed some stiffness in her knees and hips making her ability to get down to the ground much more difficult than before her injury.

Remember, mobility is different than flexibility. Mobility is concerned with how our joints move, while flexibility is associated with the muscles. Muscles take a long time to improve their length, while mobility can be improved by focusing on several short movements throughout the day.

3 – Power. The importance of power grows as we age. Power is the ability for our bodies to quickly produce force and transmit energy. Our muscles lose power faster than they lose strength with each decade of life. When the lady above felt unbalanced, power would have been important to quickly help her regain balance if she had lost it. Getting off the ground would require power and force to safely and independently rise up (especially if she was carrying something with weight.) She constantly uses power during all her tennis serves and slams! Having muscular power is linked to greater participation in sports and improving our independence with daily activities.

4 – Strength. Save the best for last! Stable and mobile bodies are great, but strong ones are better! Muscle strength is our ability to produce force. The scenarios above have plenty of examples of where strength plays a key role: holding the grandchild, lowering herself to the ground, stabilizing her body on her arm as she knelt, and the ability to get back onto her feet after playing with her grandkids.

Strength builds resilience, tissues in our bodies that are less injured and less susceptible to pain.  Building strength with exercise fights many chronic conditions and keeps our muscles from losing mass with aging (sarcopenia).

The fitness foundations above are vital to long-term fitness and living a fulfilling active life. For the next four articles, I will be taking an indepth look at each of the four fitness foundations and how you can engage in each principle yourself!

Dr. Robert Rehberger PT, DPT, OCS is a physical therapist at Goodemote Physical Therapy serving Saratoga and surrounding communities. He is a Board-Certified Orthopedic Specialist and has completed a Board Certified Spine Fellowship  in Ithaca, NY. He also serves as a wellness, fitness,  and strength coach on a private basis.

At Goodemote PT we work with individuals recovering from injury to help improve quality of life and fitness. If you have any questions call 518-306-6894 to set up an appointment or find us at GoodemotePT.com. Dr. Robert Rehberger can be reached at GPTmaple@gmail.com

Demystifying Life Insurance

As a Certified Financial Planner®, I find that many people are confused about what kind of life insurance they should have.

While life insurance is an important component of nearly everyone’s financial plan, there are multiple types, which can cause quite a lot of confusion. At its core, however, insurance falls into two categories: permanent and term.

The type of insurance you have depends on your anticipated need. If you feel your need for insurance will be permanent, meaning you’ll need it whether you die today or at age 95, then permanent insurance should be considered. Most people, however, only need life insurance to cover a specific period of time, making term insurance a preferable option.

Let’s take a closer look:

Term insurance is intended to cover a basic need: to replace the economic loss resulting from a death during a specific period of time. It sounds clinical, but that’s all it is. For example, if I have a child today, I may want to purchase a 25-year term policy to ensure that, if I were to pass away before that child became independent, there would be sufficient assets to provide for my child. Once they’re out of the house the need no longer exists and the insurance term expires. Parents today might need a 30-year policy!

With term insurance, you’re only paying for what you need, when you need it. Because of that, the premiums are much lower, relative to many permanent forms of insurance. 

Permanent life insurance is intended to cover a permanent need. The most frequent permanent needs I encounter are: 

1 – Estate planning: In order to provide for liquidity at death, or to create a tax-free estate at death, permanent life insurance strategies can be utilized. 

2 – Pension replacement: In the event one spouse elected a single-life only pension, a permanent insurance policy can be used to replace the pension in the event of the pensioner’s death. 

In both of these circumstances, a permanent insurance policy is used simply because the insurance need exists for an unknown period of time. It would be unwise to use a term policy in these instances. 

Many people have been sold permanent insurance policies who may not have had a permanent need, on the premise that permanent insurance can build cash value against which tax-free loans can be taken in the future. While this is technically true, in my seventeen years in private practice, I’ve very rarely encountered a person who funded their retirement using their life insurance cash value. 

This is true for a variety of reasons. 

In order to grow significant cash value, the policy premiums needed are significantly higher than just the cost of insurance (which is all you pay in a term policy). While many people are well-intentioned on the front-end, life happens, and very often people reduce the amount they pay into their policies, which dramatically affects the policy’s performance. 

Another reason these policies often don’t live up to expectations is that life insurance agents may use unrealistic assumptions when illustrating future policy performance. If you bought a policy in the ‘80s, illustrated using 1980s interest rates, then you know exactly what I mean. 

The only time I see permanent insurance work as a savings vehicle, is for a client whose cash flow is such that they have maximized contributions to every other retirement savings vehicle, and still have significant money they need to sock away.  So, if you’ve exhausted your ability to contribute to your 401k, 403b, IRAs, and other retirement vehicles, then permanent insurance could be another avenue for saving.

It should be noted that some people start out with a temporary need which evolves into a need that is more permanent. Luckily, most term insurance is convertible into a form of permanent insurance for just this reason. 

In the battle between term and permanent, as planners, we overwhelmingly favor term insurance. It is by far the most cost-effective way to solve for a need, while preserving the option to convert to permanent insurance if the need changes. 

Your Certified Financial Planner® will be the best person to help you assess your need by helping you to understand your overall financial circumstances, and can tailor a policy to provide proper coverage. If your advisor is independent, they will also have dozens of carriers to choose from, and can help get you the most competitive rates.

Stephen Kyne, CFP® is a Partner at Sterling Manor Financial, LLC in Saratoga Springs, and Rhinebeck. 

Securities offered through Cadaret, Grant & Co., Inc. Member FINRA/SIPC. Advisory services offered through Sterling Manor Financial, LLC, or Cadaret Grant & Co, SEC registered investment advisors. Sterling Manor Financial and Cadaret, Grant are separate entities.

Preserving Assets and Income If Your Spouse Applies for Medicaid

People sometimes think that if their spouse enters a nursing home that the nursing home or the government will take all their assets, leaving them in dire financial straits.  The truth, however, is that even if your spouse enters a nursing home and you need to apply for Medicaid coverage to pay for the cost, you can still retain significant assets and income. 

In Medicaid parlance, the spouse who stays out of the nursing home is referred to as the “Community Spouse” and the spouse who enters the nursing home is referred to as the “Institutionalized Spouse”.  Below is a set of questions and answers which will help explain what assets a Community Spouse will be able to keep if their spouse goes into a nursing home.

If my spouse applies for Medicaid for nursing home care, what assets can I keep?

Medicaid rules allow the Community Spouse to retain the following assets as “exempt resources”:

• $74,820.00 in monetary assets (and sometimes more),

• the family home,

• the tangible personal propertywithin the family home,

• irrevocable pre-paid funeral arrangements, and

• one car.

What happens if I have more assets than allowed?

You will need to “spend down” those assets private paying for nursing home costs, until you reach the allowable level.  However, there may be some alternatives.  For example, you could spend some of the excess resources on necessary home repairs because the home is an exempt asset.  For example, $5,000 in funds in excess of the allowable limit can be used to pay for a needed furnace replacement, instead of being spent down on nursing home costs.

Can I refuse to make my assets and income available to pay for the nursing home care of my spouse?

Yes, you can.  That is known as a spousal refusal.  If you file a spousal refusal, then the Medicaid authorities may seek to force you to provide the resources by litigating the matter in court.  If you file a spousal refusal, the Medicaid authorities must evaluate the eligibility of your spouse without considering your assets.

Is all tangible personal property exempt as a resource?

No, if you have items of specific intrinsic value, such as a coin collection or valuable pieces of art, they would potentially be considered non-exempt.

Do I have to contribute any of my income to the care of my spouse?

The Community Spouse is also entitled to $3,259.50 per month in income in 2021, which is known as the Minimum Monthly Maintenance Needs Allowance (MMMNA).  If the Community Spouse does not have that amount in their own name, they are entitled to income from the Institutionalized Spouse to reach the $3,259.50 level. 

For example, if both spouses solely have as income Social Security and the Community Spouse receives $1,500 in Social Security and the Institutionalized Spouse receives $2,000 in Social Security, the Community Spouse is entitled to $1,759.50 of the Institutionalized Spouse’s $2,000 in Social Security in order to reach the $3,259.50 MMMNA level.  Certain deductions apply for expenses like Medicare premiums and private health insurance costs.

Are retirement accounts like IRAs considered assets?

Generally no, they are not.  They are considered instead as sources of income.  The income amount derived from them is based on the account owner’s age and is somewhat larger than the required minimum distribution (RMD) amount.  This is good news, however, because it means that a Community Spouse could have an IRA worth $100,000.00 and that money would not be counted towards the $74,820.00 in resources that they are allowed to have.

Given all these rules, are there planning opportunities?

If your spouse is entering a nursing home and applying for Medicaid, you do not need to be impoverished as a result.  The rules regarding income and asset exemptions are complex, but they yield many planning opportunities to maximize the preservation of assets and income for the Community Spouse.

Matthew J. Dorsey, Esq. is a Partner with O’Connell and Aronowitz, 1 Court St., Saratoga Springs. Over his 23 years of practice, he has focused in the areas of elder law, estate planning, and estate administration.  Mr. Dorsey can be reached at 518-584-5205, mdorsey@oalaw.com, and www.oalaw.com.

Saratoga Senior Center Calendar

See What’s Back in August!

BRIDGE MONDAYS 

Mondays • 12:30 p.m. 
We would like to welcome bridge back to the Center. Open for friendly games. Hope to see you!

STRENGTH TRAINING

Wednesdays • 1 – 2 p.m. 
Facilitated by Aidan. In person at the Center and via zoom. 

UKULELE THURSDAYS 

Thursdays  • 10 a.m.
Facilitated by Marshall Swift. Dust off your ukulele and join your friends at the Center for some singing and playing.

JOIN OUR POKER GROUP 

Fridays •  9 a.m. – 12 p.m.
Fun friendly poker games, welcoming new players. 

Special Events & Programs

FRIDAY BACKYARD BBQ LUNCH! 

Friday, August 13 • 11:30 a.m. – 12:30 p.m.
Join Abby & Anna on Friday afternoons for some BBQ and fun! With the warm weather here to enjoy, come hang out with your friends & make the most of summer days! Live Music Schedule with Bill Gervasio. 

IN HOUSE CHEF DINNERS ARE BACK!  

Tuesday, August 17 • 4:30 p.m. 
Dinners sponsored by Home of the Good Shepherd & Humana. Dine in at the Center with your friends OR take your dinner “To-Go.”

Tuesday, August 17
Simply Food by Maura Roast Turkey Dinner – stuffing, mashed potato, gravy, green beans. $11. To-Go dinner curbside pick up: 3-4:30 p.m.. 

CDTA HALF FARE PROGRAM     

Wednesday, August 18  • 11:30 a.m. 

$2 FOR THE CDTA CARD. Facilitated by Valerie Rosado, CDTA Customer Service. Please sign up! The CDTA offers half fare bus rates to citizens aged 65 and over, and disabled individuals to access CDTA’s fixed route service. Valerie will come and take your ID picture, get your information and make you a Half Fare card. Please bring proof of age and $2. If you qualify and are under 65 you can provide an award letter from SSI or SSD.

LEARN TO FALL IN LOVE WITH “ART” 

Wednesday, August 18 & 25    1 p.m.
$5 material fee. Facilitated by Barry, member and artist. Afraid of expressing yourself through art? Barry has a foolproof easy method to get you to draw! Using designs provided by Barry, you will create pictures that are unique and colorful! Open to any level of experience but geared to those with none.

SIMPLE & EASY MEAL PLANNING 

Thursday, August 26  • 12 p.m. 
Facilitated by Sherri Rose, Board Certified Health & Wellness Coach. At a loss as what to eat? Hate cooking for one? Sherri will give you guidance and tips to keep you healthy. How to avoid the last-minute scramble for dinner, creating go-to lists of healthy meals, cooking for 1-2, healthy takeout, exploring meal delivery plans, and a recipe swap. Session 2 with Sherri -Thursday, September 9. “Balancing Your Wellness Wheel.” Please sign up! 

CHIT CHAT & MUSIC GROUP 

Mondays • 1 p.m. at the Center 
Looking for something fun to do? Join our Chit Chat & Music Group facilitated by Skidmore Interns, Abby and Anna. Join your friends for a fun hour of chit chat, laughs and music! Meet new friends and connect with old ones!

WRITING YOUR MEMOIRS 

Thursdays • 10 – 11 a.m. 
Stories through the decades. facilitated by Jackie, Skidmore intern. Write your stories and memories so that you and your loved ones can cherish them for a lifetime. No experience necessary.

TAROT CARD READINGS

Last Thursday of the month • 10 a.m. – 2 p.m. 
Facilitated by Mary Shimp. $5 suggested donation. Do you have some unanswered questions about your life? A tarot card reading provides guidance to gain an insight into what the future holds using a special deck of cards. Call to make a 15-minute appointment.

Van Trips

Pitney Meadows Farm: Sun Tea “Sip and Talk” 
Monday, August 16
“Sip and Talk” with Executive Director Lynn Trizna. Enjoy an outdoor conversation with Executive Director Lynn Trizna and a beautiful view of the production farm fields. You will learn about the history, programs and impact of the Pitney Meadows Community Farm, and while you talk, enjoy fresh sun brewed tea with herbs from the fields. If you enjoy what you taste, you can then harvest some fresh herbs to take home and make your own fresh herbal tea! Pay $7 at signup. 

Lunch Bunch – Vermont Country Store 

Friday August 27
Shop and have lunch at the iconic Vermont Country Store. “It’s everything you could want in a country store and more.” Lunch at Mildred’s Grille. Pay $15 at signup. Bring money for shopping and lunch. Leave the Center at 9 a.m.

One Day Bus Trips

SONNENBERG MANSION   

Thursday, August 19
$100 member price. Nonmembers welcome, please call the front desk. Sponsored by CDPHP. Land, Lake & Lunch in Canandaigua. Sonnenberg Gardens & Mansion is one of the longest surviving estates from the Victorian Era in the US. The elegant 40-room Queen Anne style mansion was built in 1887 by NYC financier Frederick Ferris Thompson and his wife, Mary Clark Thompson, as a summer home. Enjoy a lunch cruise on the Canandaigua Lady – a 19th century steamboat replica and double-decker paddle wheeler. 

A DAY IN NEW YORK CITY    

Wednesday December 8
Price to be determined. Nonmembers welcome, please call the front desk. There is no other place quite like New York City; from its world-class museums, art galleries and architecture to its role as the theatre and financial capital of the world. Spend the day on your own and explore the fascinating city. You will be dropped off at Bryant Park (42nd between 5th & 6th).

Excursions 2021   

Pacific Northwest: October 4-11
Greece Island Hopper: October 16 -26 
Bluegrass Country/Smokey Mountains: Oct. 15-23 
Canyon Country-Arizona & Utah: October 20 -27 

Christmas on Danube River Cruise: Dec. 2-10 
Spotlight on Sante Fe: December 5-10

Mothers Make the World a Better Place

One of the things I’ve been most amazed by since becoming a mother is the softness I often feel towards others, much more easily than before having children. The hard edge I often brought to my assessments of others is noticeably absent — or at least much diminished — and I know for sure that having had the gift of knowing my children from the earliest moments of their lives, and seeing that many aspects of their personalities show themselves even at birth and continue through their lives, and that the harder aspects of a person’s personality often make the bearer suffer as much or more so than the people around him or her, has helped me to be a kinder, more compassionate person.

One example I’ve been thinking about a lot lately has to do with something that happened during my own high school running “career” of nearly twenty-five years ago. I’ve been thinking of it recently because in May one of my boys and I started running together regularly, and we’ve even run/walked the 5K (3.1 mile) Varsity Course at the State Park, which is where my high school memory happened and surely one of the reasons it resurfaced.

During Cross Country practices in high school, the task and expectation by the coach was that we would run, not walk, whatever course she had us do in practice, but one of my teammates would regularly stop and walk once we were out of sight of the coach. This teammate didn’t fancy herself a particularly good runner, and neither was I — in fact, I was the worst runner on the team — and yet I kept a steel grip on the requirement to run and not walk, even to the point of running so slowly that a walker could beat me. So it was particularly galling to me that every time my walking teammate heard my “running” steps coming up behind her, she would start running again until she put enough space between us, and then she would slow to a walk again. And she beat me in almost every race. I hated that I gave everything I felt I had to give and still came up short against someone who didn’t seem to give much at all, and I’ve seethed at that memory ever since.

Fast forward to this summer when my boy and I have been working hard — and it’s been hard work! We started with a Couch to 5K program in which the first few workouts consisted of running for one minute, then walking for one minute, and repeating ten times, and are now up to being able to run two miles without stopping (most of the time anyway). But the thing is, I now see no problem at all with stopping to walk if needed — I encourage my son to do so if he feels he needs to (with the intention of just catching his breath and then resuming running), since I can see how hard he’s working and I want to encourage him, and my goal for him is good physical health and the kind of mental strengthening that happens with doing something good but difficult, rather than being the best and fastest. With intermittent walking, he’s been able to keep going, keep improving, slowly but surely.

Of course, I know that the goals and measures of success for a kid who’s running on his own for good health and not part of a team (and with his middle-aged mother with finicky knees) are and should be quite a bit different from those of a high school Cross Country runner, or any competitive athlete of any age. Even still, I’ve been astonished at my own change of heart toward runners who stop to walk. I’m so moved by the effort I see my boy putting in, and since my goal for him is improvement rather than perfection, I’m happy with every step forward, whether walking or running. I even think back to that teammate of mine in high school — looking at her with a mother’s eyes, I have a better sense that she probably wasn’t actually trying to “cheat the system,” but rather that running was probably a challenge for her, and the fact that she kept with it all season and didn’t quit the team was a success in itself and one worth celebrating. 

I have many examples of being astonished by my softening towards others the older I get, and it’s always with a particularly maternal heart. Having had my own children, I’m better able to see others as the children of mothers who love them and can see the best in them even when no one else can, who know they have their demons and private struggles and give them grace when no one else will. There’s something quite nice about that — something that, I think, makes the world a better place (if it doesn’t make for top runners).

Kate and her husband have seven sons ages 16, 15, 13, 11, 9, 7, and 2. Follow her at www.facebook.com/kmtowne23, or email her at kmtowne23@gmail.com.

Steve Sheinkin’s FALLOUT Tour Launches with Northshire Books

SARATOGA SPRINGS — Steve Sheinkin, local New York Times bestselling author of middle grade nonfiction titles, will be launching his book tour for FALLOUT with Northshire Books. 

FALLLOUT: Spies, Superbombs and the Ultimate Cold War Showdown, on sale Sept. 7, is the follow-up to Bomb: The Race to Build – and Steal – the World’s Most Dangerous Weapon, taking readers on a terrifying journey into the Cold War and our mutual assured destruction. 

Steve will be doing a public, virtual launch on Zoom with Northshire Books on Wednesday, Sept. 8 at 6 p.m. Three ticket options are available for purchase: pay what you can, $5 which applies to a book purchase, or $19.99 for a ticket and book; signed and/or personalized copies available. 

Steve is also the author of titles Bomb, The Port Chicago 50, Undefeated, and many more. He has won countless accolades including a Newberry Honor, Robert F. Sibert Award, Washington Post Best Book of the Year, and was a finalist for the National Book Award. He will discuss FALLOUT during the launch with fellow Newberry honor author Christina Soontornvat, author of All Thirteen. 

To learn more about the event and purchase tickets, visit: www.eventbrite.com/e/northshire-live-steve-sheinkin-fallout-tickets-166117248161 

Praise for Steve Sheinkin

“In this gripping account, Newberry Honor Book author and Sibert medalist Sheinkin offers an intense narrative that captures the terrifying tensions of the Cold War.” – Booklist, starred review on FALLOUT. 

“This is edge-of-the-seat material that will resonate with YAs who clamor for true spy stories, and it will undoubtedly engross a cross-market audience of adults who dozed through the World War II unit in high school.” – BCCB, starred on Bomb.

Hands-On Learning: Saratoga County 4-H to Host Sheep Shearing Clinic

BALLSTON SPA – Saratoga County 4-H is offering a Sheep Shearing Clinic this fall to youth ages 10 and older. The event will take place at the 4-H Training Center on Middleline Road in Ballston Spa on September 16, 2021 at 5 p.m. This clinic will exhibit the art of sheep shearing and preparing wool breeds for show. Participants will be provided a hands-on learning experience from professional shearer Siri Swanson. 

Siri Swanson is a Shepherd and Shearer of Yankee Rock Farm. Swanson has an abundantce of background knowledge in the sheep industry and has been shearing for the last five years. Siri along with shearing partner, Colin Siegmund, strive to maintain animal comfort and top-quality clipping. 

Cost is $5/family and is required at entry or prior to the clinic. The event is free of charge for 4-H members and their families. Please contact the 4-H office for additional information and to register at 518-885-8995 or email the 4-H Livestock Educator at rjl287@cornell.edu. 

4-H is the Youth Outreach component of Cornell Cooperative Extension that connects youth ages 5-19 to hands-on learning opportunities that help them grow into competent, caring, contributing members of society. To learn more go to www.ccesaratoga.org

It’s Always Time to Join Scouts!

SARATOGA — Summer may be ending soon, but the Scouting year never ends. From the July Bike Rodeo to racing cars at a January Pinewood Derby, elementary grade Cub Scouts have year-round fun with friends while learning a wide range of skills. 

Young men and women in Scouts BSA Troops also enjoy year-round experiences both indoors and outdoors throughout their middle school and high school years. There are a number of active Packs and Troops in the area. 

To learn more about a unit near you, go online to beascout.org or contact John Koch by emailing saratogascouter@kochny.com for more information. Adventure awaits – start your Scouting journey!

Property Transactions: August 7 – August 13, 2021

BALLSTON

Gary Handel as exec sold property at 76 Middleline Rd to Patrick Walsh for $340,000.

Seth Low sold property at 287 Scotch Bush Rd to Sean Shortell for $719,000.

Brookview Court Inc sold property at 2203 Stonebridge Dr to Michelle Procida for $287,499.

Jodi Reynolds sold property at 26 Morningkill Dr to Maegan Conley for $242,000.

GREENFIELD

Kelly Anthony sold property at 20 Greenfield Manor Rd to Rylie Hall for $205,000.

Charlene Carli sold property at 85 Goose Hollow Rd to Christopher Ryan for $670,000.

Kathyrn Simone sold property at 228 Allen Rd  to Stacey MacDonald for $390,000

Harold Milligan sold property at 59 Brigham Rd to Steven Cusano for $280,000.

Ann Arnold sold property at 268 Grange Rd to Gustavo  Loarca for $385,000.

Devin Rourke sold property at 285 Allen Rd to Daniel LeCours for $460,000

MALTA

Heather Carver sold property at 26 Rum Cherry Rd to Martin Hayes for $345,000.

Dawn Desjardins sold property at 3 Glade Mallow Rd to Jennifer Tomaso for $300,000.

Malta Land Company LLC sold property at 21 Galleon Dr to Frank Bailo for $529,970.

MILTON 

Paul Wilson sold property at 1 Liberty Dr  to Jessica Muenkel for $380,000

Jason Koumourdas sold property at 115 Fairground Ave to Steven Miraglia for $239,000.

Douglas Cassady sold property at 785 Schuyler Way to Cynthia Somma for $410,000.

Joseph Richards sold property at 604 Rock City Rd to Luis Martinez for $168,000

Jody Visconti sold property at 51-53 East High St to Lauren Flanagan for $340,000.

Taquwan Monrose sold property at 1 Fawn Dr to Christopher Arnold for $275,000

SARATOGA

Jason Brown sold property at 40 Morgans Run to Jessica Bagailuk for $185,000.

Daniel Dewolf sold property at 101 Pearl St to James Davis for $310,000.

Amy Broz sold property at 105 Pearl St to Trina Prendergast for $232,780.

SARATOGA SPRINGS

Elizabeth Zwickle sold property at 3 Royal Henley Ct to Renae Reardon for $801,000

Rita Young sold property at 20 Empire Ave to Timothy Mumford for $514,000

Craig Arnoff sold property at 9 David Lane to William Einemann for $425,000.

Frank Parillo sold property at 120 Henry St to Richard Frank for $2,500,000.

Rynick Properties Saratoga Springs sold property at 468 Louden Rd to Banerjee Properties LLC for $1,825,000.

Patrick Ricci sold property at 45 Vista Dr to Robert Ratzan for $999,000.

Jacquelyn Vooutsinas sold property at 20 Clubhouse Dr to Samantha Cunningham for $293,000.

Raymond Roland sold property at 45 Stockholm Ave to James Burns as trustee for $715,000.

Lauren Shkolnik sold property at 64 Tompion Lane to Sally Fischer for $300,000.

Rebecca Broadaway sold property at 121A Lincoln Ave to Francis Steinbach for $585,000.

Michael Marin sold property at 30 Casino Dr to Kathleen Burby for $290,000.

David Bradley sold property at 6 Downtown Walk Lane to RAS Closing Services LLC for $2,450,000.

RAS Closing Services LLC sold property at 6 Downtown Walk Lane to Schermehorn Residential Holdings LP for $2,450,000.

WILTON

Wade Dates sold property at 38 Kings Mill Rd to Dylan Murphy for $327,500.

Zachray Zabella sold property at 166 ½ Jones Rd to Landen Parish for $117,500.

McPadden Builders LLC sold property at 8 Conklin CT to Bryon Cook for $471,107.

Kenneth Yates sold property at 17 Cardiff Circle to Tayla Janowicz for $495,000.

John Richmond sold property at 16 Carr Rd to Bryce Blackley for $297,000.

Nancy Gatland sold property at 28 Timbira Dr to Douglas Kruschke for $430,000.

Thomas Marola sold property at 21 Kendrick Hill Rd to David Plummer for $1,100,000.

Joseph Zanchelli property at 94 Fieldstone Dr to Amanda Arnoff for $630,000.

Flatley Read, Inc. Hires Colin McKnight

SCHUYLERVILLE — Flatley Read, Inc. an environmental and community development services firm based in Schuylerville, NY has hired Colin McKnight as their Director of Community Development Programs. He started on Aug. 2, 2021. 

Mr. McKnight, formerly the Deputy Director of the New York State Rural Housing Coalition, will be working with small municipalities across New York State on issues such as affordable housing, historic preservation, and other challenges to thriving, vital neighborhoods.