Isledegrande.com has many advertisers that would fit the bill for the perfect Mother's Day present. All moms love gift certificates. How about one for lunch? The Beach House, John's Pizza & Subs, Justin Tyme Cafe, McMahon's, River Oaks, Town Cafe, or The Village Inn would be a well deserved treat for mom. Throw in a carwash from Dr. Huggs and mom will be stylin'.
Maybe your mom likes to accessorize. Teya Marie Gift Shop in Sanborn has one of a kind gifts from local artists and crafters including jewelry, barrettes and ribbon shirts. Famous Tuscarora Raised Beadwork artist Rosemarie Hill owns the shop and has many wonderful gifts. DeSignet International is right in the center of town at 1869 Whitehaven Road. Stop in and browse for all your jewelry desires or get Mom a gift certificate.
What about a whole new look? Wavelengths Hair Salon at 2289 Grand Island Blvd. offers Precision Cuts, Hair Cut Fades, Perms-Colors-Foil Highlights and Nails and Pedicures by Linda.
Hair products and gift certificates are also available. Full salon services are also offered at Austin's Hair Studio located at 3043 Delaware Avenue in Kenmore. If you're looking for true glamour, Austin's will apply your make-up to go along with their salon services.
For something out of the ordinary try Grand Lady Cruises berthed at the Holiday Inn Resort and Conference Center at the foot of Whitehaven. They are offering two Mother's Day Cruises, one for lunch and the other for dinner. You can make your reservations online at their website. The Grand Lady also has a "Romance on the River Package," that includes:
One night's stay at the Holiday Inn Grand Island
A Dinner Cruise for 2 aboard the Grand Lady
Breakfast for 2 in the Holiday Inn
May, June, Sept. and Oct. - $209.00
July and August - $229.00
Call 888-824-LADY for Reservations and Information
I heard somewhere....."say it with flowers." You can at Flower A Day Florist on Whitehaven Road. Stop and pick up an arrangement or gift, or send something pretty to your mom. Sue Berger from Flower A Day is offering free delivery from May 2-5, so order early! For the moms with a green thumb, hanging baskets, plants and anything you need to spruce up your yard this spring is available at the Grand Island Garden Center. Check out all the websites above and find something for your mom - she deserves it!
Dr. Jeffery A. Baumler DDS, Sedation Dentistry - 2005
Dr. Jeffery A. Baumler DDS is now NYS certified in Sedation Dentistry. Click www.dentalcareassociates.com/baumler.html. Information about Sedation Dentistry can be found here: www.dentalcareassociates.com/sedation.html
X-Press One Hour Dry Cleaners Announces New On-Site, Shirt Service - 2005
Chuck and Carol Dunworth of X-Press One Hour Dry Cleaners have announced they are now doing laundered shirt service on the premises. This enables them to provide you with a top quality shirt and faster service.
They invite you to try their new shirt service at X-Press One Hour Dry Cleaners. For a limited time, you may print the on line coupon for a FREE SHIRT with any incoming order. This coupon expires on May 15, 2005. Click "Coupon Page" at Isledegrande.com.
X-Press One Hour Dry Cleaners is open Monday through Friday, 7 a.m. to 7 p.m. and Saturdays from 8 a.m. - 4:30 p.m.
Money Matters - A New Monthly Column - April 2005
Money: Spring Ahead, Fall Back
By Steven L. Morgan CFP®
Right about this time, people begin muttering, “spring forward, fall back” to help remember which way to change the clock for Daylight Savings Time. I hear a lot of muttering about tax time as well, but nothing I could actually print here of course. What I can print are suggestions, relative to time and taxes.
Look Back
Whether you've completed your tax return or not, pull out the last three years' tax returns (2003, 2002, 2001). Look them over carefully and see if there are any expenses, deductions or losses you left out. The IRS gives you three years to amend your tax returns. So, if you filed your 2001 return by April 15, 2002, you’ll still be able to make corrections until April 15, 2005.
Look at your investment portfolio from 2001. So many publicly traded or closely held companies went bad, you might have some stocks that became worthless in one of those years that you've never written off. If you deduct the loss in 2001, you’ll get interest with your refund. If you deduct it in the current year, of course, you won't.
Look Forward
Did you get a tax refund this year? Getting a large refund just means you’ve allowed the government to use your money, interest free, for the year. If you’re paying interest on credit cards, you should consider paying those down first – versus giving the government an interest free loan.
Consider ways to get part of your refund money throughout the year instead of waiting. If you received a large refund, you may have claimed too many exemptions. Talk with your payroll office at work about this. If you have children and qualify for the Earned Income Credit, you can request to receive part of it throughout the year. How? Ask your payroll office for Form W-5— Earned Income Credit Advance Payment Certificate. How Much? Using IRS guidelines that estimate what your Earned Income Credit amount for the year might be, your payroll office distributes about half of that amount in your paychecks throughout the year. For example: a worker earning between $500 and $1200 per month might receive $60 extra in each bi-weekly paycheck. Workers who receive part of their Earned Income Credit in advance benefit in two ways. First, they can still expect a good refund check in the spring, and second, they’ll have more money throughout the year — for paying the bills, paying off debts, or contributing to a retirement account.
Establish a goal based savings account. If you anticipate your tax refund check for a specific purpose – pay yourself first and have the money in hand for the goal. As a last resort, if the only way that you can save money is by having the government do it for you, then “have at it.” When you get your refund, go to the steps for TODAY and do something worthwhile with it. Saving like this may not be the most efficient way, but it may be the most effective way for you.
Look at Today:
Your first priority should be to pay off regular monthly bills if you have gotten behind. Most other debts should be prioritized with highest-interest rates paid off first. Suppose you have a credit card balance of $2,000 at an interest rate of 18%, and you’re making payments of $50/month. At that rate it will be 62 months before the bill is paid off, and it will cost you $1,077 interest. If you use your tax refund to pay off $1,000 of that bill, and then continue to pay $50/month, the bill will be paid off in 24 months, at an interest cost of only $198. You save $800 interest by paying $1000 toward the debt now.
Second, start an emergency fund. This fund can get you through small emergencies like car repair or medical bills without breaking a sweat. In the ultimate emergency (loss of income) an emergency fund can keep you afloat until you find another income source.
Third, fund or establish a retirement account. You can make significant progress and even small amounts add up. Adding just $500 a year into a retirement account such as an IRA can make a difference over a period of decades. Earning an average annual return of 9%, a contribution of $500/year would yield $68,100 after 30 years. If you’ve already got a retirement account set up, take it up one notch with monthly contributions. In the same scenario, if you contribute $500/year and $25/month, earning a 9% return, in 30 years you will have $113,800!
Finally, have a little fun. A tax refund is always a welcome bonus. Whether it’s $200 or $2,000, the way you use that money can have a real impact on your personal and financial wellbeing. New computer? New recliner? Nice vacation? Those are all nice ideas, but…first things first.
"Money Matters - March 2005"
"Money Matters - February 2005"
"Money Matters - January 2005"
Steven L. Morgan, CFP® is a CERTIFIED FINANCIAL PLANNER™ practitioner from Grand Island, NY.
Limited Hours at Holiday Inn - 2005
The Holiday Inn Grand Island will be operating under limited hours due to a large convention that has taken over most of the hotel services. Director of Sales Teresa Costello reports that Currents restaurant and lounge will be closed until May 3, 2005 including room service. The "Blues on the River" will be brought back again May 6th with Rod Nickson playing that evening. Island Fitness has limited hours through Monday, May 2nd. Members are asked to call Island Fitness, 773-1111, over the next two weeks to check times.
Marston Power Equipment - Are You Ready For Spring/Summer? - 2005
Click photos for larger view
Marston Power Equipment has a full line of yard maintenance equipment ready for you. From lawn mowers, both riding and self propelled, to edgers, trimmers and chain saws. Stop in and see Pete Marston at 1970 Grand Island Blvd. for all your power equipment supplies and maintenance needs. Today is the time to get your equipment tuned up for the spring and summer ahead. See Pete for oil, belts and the sharpening of those dull blades.
Technology Camp Of America Inc. - Spring Special For Summer Camp Registration - 2005
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Technology Camp of America Inc., 2090 Grand Island Blvd., Grand Island, NY offers a spring special for summer camp registration. Check this unique camp for children during open house being held on Tuesdays from 6-8:30 p.m. and also on Saturdays from 12-3 p.m. Special pricing for the month of April registration will remain the same as 2004 registration. Contact Angelo Grande at "techcamp1@verizon.net"
or check the web site at www.technologycampofamerica.com. All forms are available on line.
Angelo Grande will welcome you into his location to answer your questions. For something different and unique for a birthday party or to hear about adult classes being formed, contact Angelo.
Martin's Fantasy Island Job Fair - Full/Part Time - 2005
Martin's Fantasy Island will host a Job Fair from 10 a.m. to 2 p.m. Saturday, April 23, 2005 in Martin's Fantasy Island Basgetti's Restaurant. Applications for employment at the Park are accepted by mail or in person at Martin's Fantasy Island office Monday through Friday, 9 a.m. to 4:30 p.m., 2400 Grand Island Blvd., Grand Island NY. Make it a great summer - join the team -
summer positions available for both full and part time.
For more information click Fantasy Island Job Fair. For the Martin's Fantasy Island website, click www.martinsfantasyisland.com
Martin's Fantasy Island Spring Prices - 2005
Take advantage of Martin's Fantasy Island's special spring prices (now through May 2, 2005) for an entire summer of fun at Martin's Fantasy Island. Check the "Fantasy Island" website to see what's new for the 2005 season.
Toyota Holding Month-Long Grand Opening - 2005
A month-long Grand Opening celebration at Fuccillo Toyota has been announced by General Manager Chris Granholm. The new Toyota dealership, located at 1974 Alvin Road, has a huge selection of new and used vehicles. Chris offers the lowest prices and highest discounts available for new car buyers. While the Grand Opening celebration is in progress Fuccillo Toyota is also offering present Toyota owners a free oil change on Tuesdays and Wednesdays during the month of April. This again is for Toyota owners only.
Fuccillo Toyota hours:
Monday through Thursday - 9 a.m. to 8 p.m.
Friday and Saturday - 9 a.m. to 5 p.m.
Sundays - 10 a.m. to 5 p.m.
For on line information click on FUCCILLO TOYOTA WEBSITE.
Wine Dinner At Buffalo Launch Club - April 21, 2005
The Rose Liquor Store, The Buffalo Launch Club and Eber Bros. Wine & Liquor will present a wine dinner at 7:15 p.m., Thursday, April 21, 2005 in the Buffalo Launch Club, 503 East River Road, Grand Island. The evening will consist of 5 wines and 4 food courses. Click Wine Dinner 4/21/05 for complete menu and reservation information.
National Credit Union Youth Week - 2005
National Credit Union Youth Week, April 17-23, is a great time to open an
account at Niagara's Choice FCU for your children or grandchildren. Niagara's Choice FCU will
put a $5 deposit into their new account and they'll also get a gift bag.
"It's up to us to help teach our youth about setting goals and saving for them so that they will avoid financial mistakes as they get older," a spokesman for NCFCU said this week. All youth members who make a deposit during National Credit Union Youth Week can enter to win $100 or a U.S. Savings Bond. Remember, anyone who lives works, worships, or volunteers in Niagara County can join Niagara's Choice FCU.
Spring Is Here
.....Adrian's Opens Tomorrow
Adrian's Custard & Beef will open Friday, April 1, 2005 at the Grand Island Plaza. The spring hours are from 11 a.m. to
9 p.m. daily. The popular good weather spot offers beef on weck, burgers, dogs, fries and plenty of ice cream!
Holiday Inn "Blues On The River" Inside Edition at "Currents" - 2005
The Holiday Inn Grand Island offers Blues On The River - Inside Edition concerts from 6:30-10:30 p.m. as follows:
March 25 - Circuit Breakers
April 1 - Cruzin Duces