Salvatore’s New Location Opens In Penfield!

The Salvatore Pizza Family is proud to announce the opening of their new Pizzeria in Penfield, Monday, March 16th. After receiving thousands of requests for a location in Penfield, Salvatore’s has found the perfect spot. Our Penfield location is owned by President, John Coraggioso and Board of Director, Silvio Fantauzzo. The Salvatore’s Penfield location will offer their Famous Full Menu Delivery seven days a week.

Salvatore’s, 2160 Penfield Rd. (250@441/Parkside Commons) 586-2555.

For additional information please contact: Salvatore ss Fantauzzo CEO & Founder 585-259-5425 sfantuzz@rochester.rr.com or Patty Powers Marketing Director 585-329-9308 patty@salvatores.com.

Cazbah

Dave Wilson, previously a PBA Member with the company Print Audit, is now with Cazbah.

Cazbah provides its customers with everything they need to succeed on the Internet. What makes Cazbah different from all the other “Web” companies out there?

• Our team of technical and marketing experts know what it takes to make you successful on line.
• In addition to providing design services, we supercharge your new site to assure customers can find you online and can purchase with ease.
• We ensure you know how to track your sales, and understand how people use your site’s information.  
• We help you execute well developed online strategies and continually evaluate how they’re working.
• Our Account Managers apply constant steady pressure to evolve your site so that it performs – while you work on other aspects of your business.

Simply put, we provide a “Total Internet Marketing Solution”  to make sure you are successful on line - not just have a presence there.

Give Dave a call at 585-869-0909 to discuss your company vision for the internet and how we can contribute to your success.

Prudential Financial Sponsors Retirement Seminar
Thursday, April 2nd, 5:00 pm
The Humphrey House, 1783 Penfield Road

The five years before and the five years after retirement may be one of the most critical periods for investors. Prudential Financial has identified this time as The Retirement Red Zone. If you are in or near The Retirement Red Zone, you need to learn about the three potential risks to retirement financial success.

At this seminar, you will receive an in-depth look at how the red flag risks may affect you. You'll receive an informative, interactive workbook to take with you, and you'll discover possible strategies that may help you address your particular needs.

Dinner is Included. Seating is limited, so please RSVP ASAP. Sponsored by Prudential Financial. Hosted by Steve Daknis, Vice President of Annuities.

For More Information and to RSVP, Please Contact:
Steve Alexander at 899-3491

Eastside YMCA – Ranked #1 for Member Satisfaction

The Eastside Family YMCA in Penfield has been ranked No. 1 nationally for member satisfaction. The Eastside Y, which opened in October 2006, received an overall "excellent rating" of 71 percent. Gates and Greece Ys got high rankings as well.

Seer Analytics, an independent survey company specializing in member and employee satisfaction surveys for YMCAs, recently released the member satisfaction survey data.

This rating is 16 percentage points above the national average for overall member satisfaction and is an improvement of 12 percent from 2006, according to the YMCA.

SpongeBob Game Tops 2 Million Plays

PBA Director and Flash Developer Christopher Herlong has recently developed one of the top-played games at Nickelodeon's SpongeBob Anniversary website entitled Elbow Grease. (Click to play.) Other games recently published for Nickelodeon include Stinky Swagger and H2O Break the Ice. His game scheduled for release on April 6th is entitled Dancin' Tentacles.

Christopher's recent work also includes the Flash widgets (scoreboard, jumbotron, and hotlist) which are prominently displayed on the home page of the SIKids March launch of their newly redesigned website.

Canandaigua National Promotes Richard Pratt

Canandaigua National Bank & Trust promoted Richard Pratt to Assistant Vice President. He previously served as community office sales manager in the Penfield branch.

Fairport Savings Bank Welcomes New Mortgage Specialist

Joe Martillotta has joined Fairport Savings Bank as their newest Mortgage Specialist.  Joe will be responsible for helping customers obtain mortgages and home equity loans to make their homeownership dreams become reality.

Prior to joining Fairport Savings Bank, Joe worked as a mortgage originator for Albion Federal Savings Bank, a realtor and as a high school teacher for the Albion School District. 

“There is nothing more satisfying to me than putting my experience to work to help individuals and families get the right mortgage for them,” says Joe.  “And it’s a pleasure to work for a company like Fairport Savings Bank that has never been involved in subprime or risky lending.  We help customers find a mortgage they can afford today and tomorrow.”

Kicking It For A Great Cause

Over 75 martial arts students from Penfield, Fairport, Brighton and Pittsford raised over $3000 for the Galisano Childrens Hospital at Strong by participating in a Kick-A-thon and performing 500 or 1000 kicks in a row!

Sensei (karate instructor) Monika Winkelman, program director at the Penfield Branch of Martial Arts America, spearheaded the project and organized the events at both the Penfield and Brighton branches. Many of the karate students who raised money and performed their kicks did it as part of their community service requirement for their upcoming black belt promotion. The participants ranged in age from 8 to 63 years old. The fundraiser was also featured on Channel 13 news and some of the students shared their experiences. Martial Arts America is a family friendly karate program that includes fitness, self-defense, and confidence building which often lead to positive personal and community growth activities like the one mentioned in this article. For more information please call 377-6130.

The Member-to-Member Discount Program has been revitalized for 2009. All members are encouraged to develop some type of discount, coupon, or incentive for fellow members to encourage solicitation of each other's businesses.

Businesses who offer member to member discounts will be given recognition in each monthly e-newsletter and at all PBA sponsored events. Additionally we will soon be issuing new signs for you to proudly display in your store.

More details can be found on the Member to Member Discount Program page located on the PBA website. Please contact us for more information or if you would like to participate in this program. If you are interested in taking advantage of any of these incentives, be prepared to show your membership card at the participating businesses.

Speed Networking for your Business
Thursday, April 23rd, 6:00 - 8:00 pm
Mud About You, 1802 Penfield Road

Speed Networking is a networking event with an accelerated twist. This event is specifically designed to allow members the quick and entertaining opportunity to introduce themselves, swap business cards, and chat about how each could help the other... all without fear of rejection!

You’ll spend a couple of minutes with each member before moving to the next. The format will help you to meet more people, make more contacts, and generate more business ideas in one short evening, than you ever thought was possible at a networking event.

Benefits of Speed Networking

• Make more business contacts in one night than most make in a month
• Perfect your "30 Second" pitch
• Face-to-face networking
• Fun and fast paced

Members: $5 (includes appetizers)
Open to PBA Members Only
Please RSVP with Lynne Crawford.

Be sure to bring your business cards and promotional materials.

For More Information and to RSVP, Please Contact:
Lynne Crawford.

Showcase Your Business - Become An Event Corporate Sponsor

Looking for a more personal way to connect with potential customers and business partners? As a corporate sponsor at one of the PBA’s several events you will have the opportunity to broaden your business relationships and gain greater visibility for your product or service.

As a corporate sponsor, your company will receive a variety of benefits
such as:

The following events are available for corporate sponsorship. Please contact Diane Thresh to reserve your spot. Fee for sponsorship is $250. Only one sponsor will be selected for each event. Please contact Diane Thresh at dthresh@mosaicmktg.com or 746-6758 if you are interested.

May 7: Time Management Strategies (Sponsorship Filled)
Speaker: MaryAnne Shew of Business Vitality
7:30am-9:00am (Breakfast provided)

July 4: Independence Day Parade
Sponsor will be recognized in all PBA promotion and correspondence regarding the float. Business name/logo will appear on both sides of the float for maximum visibility. Four sponsorships are available.

September 2: Developing an Annual Business Plan (Sponsorship Filled)
Lunch Event

November: Penfield Economic Development Updates
Evening Event

December: PBA Holiday Party
Evening Event.

Seminar on Networking with GRIT a Big Hit!

Laurie Joslin, president of Unlimited Coaching Solutions, presented "Networking GRIT: Generosity, Respect, Integrity and Truth" in March. The event was a great success with a very large member turnout.

Four tips from the expert:

PBA Going GREEN, But We Need Your Response!

Why waste your valuable membership dues on unnecessary paper mailings? If you are happy with receiving communication from us through email and this e-newsletter, then send us an email right now and give us permission to remove you from our snail-mail mailing list. This will not only prevent duplicate communication efforts but will also help streamline our annual operating costs. EMAIL US NOW!

The Young, Open & Honest Players
Present "Eyefellgloffenhootenannie-merryberrycrunch"
By James H. Brock
April 3rd and 4th, 3:30 pm
Penfield Community Center

A very funny name for a very funny children's play.

For More Information, Please Contact:
Recreation Department at 340-8664.

Penfield Recreation's Egg Hunt Party
Saturday, April 4th, 10:00 am
Rothfuss Park (1648 Five Mile Line Rd.)

Join Mr. and Mrs. Bunny on Saturday, April 4 at Rothfuss Park (1648 Five Mile Line Rd.) at 10:00 am for Penfield's largest Easter Egg Hunt ever! There will be over 3,000 eggs scattered across the 70-acre park. You can also visit with Mr. and Mrs. Bunny. All ages welcome. There will be a special area for our youngest hunters.

This event is free and open to the public. Please dress for the weather. In case of heavy rain or extreme muddy conditions, hunt may be cancelled. Call our weather line at 340-8663 that morning to check on status of event if weather is questionable.

For More Information, Please Contact:
Recreation Department at 340-8664.

Shepard Home Annual Spring Gala
Saturday, April 25th, 10:00 am
Midvale Country Club

The Shepard Home Annual Spring Gala is taking place on April 25, 2009 at Midvale Country Club. They are conducting an online as well as silent and live auction to help them with their fundraising efforts. The Gala committee is hoping that members of the PBA would be interested in making a donation. Live auction items should be greater than $350 value; i.e., vacation or weekend getaways, sailing or plane rides, etc. Silent auction items: $25 or greater. This is a good way to get your business name out into the community while helping a very worthwhile cause.

For More Information or to Contribute, Please Contact:
Chan Philbrick at 705-1685 or via email at chphilbrick@frontiernet.net.

Promoting "Green" at the Penfield's Environmental Education Fair
Saturday, April 25th
Penfield Community Center

Does your business support the “green” way of life? Do you sell products or services that encourage environmental awareness or sustainability practices? If so, the Town of Penfield invites you to join our community environmental day by bringing some information about your business to our Environmental Educational Fair, on Saturday, April 25 at Penfield Community Center. We would like to showcase your business and allow you the opportunity to tell the community about what you do and how you can help residents be more environmentally conscious.

If you are not interested in being part of the Fair, please consider putting together a team to help with the community clean up efforts, also happening that day. We have many areas of Penfield that need “beautification” and we would love get our business community involved, even if it is just the area around your business location that you can beautify.     

If you would like to set up a booth at our Environmental Education Fair or get more information about your team helping with community clean up, please contact Sabrina at 340-8651, or srenner@penfield.org.

For More Information, Please Contact:
Sabrina at 340-8651, or srenner@penfield.org.

REMINDER - Spring Drop-off and Hazardous Waste
May 11th - May 16th

Spring cleaning? Mark your calendar for Penfield's 2009 Spring Drop-off Monday, May 11 through Saturday May 16 at the Penfield Highway Garage. Hours: Monday through Friday are 8:00 AM to 6:00 PM pm and Saturday 8:00 AM to 4:00 PM. You may dispose of household items including furniture, appliances (including refrigerators, humidifiers, dehumidifiers, air conditioners), lawn mowers (fluids drained), car tires (limit 4 per resident), vehicle batteries, home computers, broken concrete, and brush. Common sense appreciated. You may not dispose of propane tanks, grass clippings, leaves, chemical drums, hazardous materials, gasoline, motor oil, paint, driveway sealer or any motorized vehicle. The Highway Garage is located at 1607 Jackson Road. Call 340-8710 with questions.

Operation Higher Learning
Presents the First Annual Golf Tournament
Friday, July 10th, 11:00 am Registration
Shadow Lake Golf Course

Entry Fee Starts at $400 per team. Inlcudes 18 holes, golf cart, special dinner, auction, and awards ceremony with NBA Legend Jo Jo White. All proceeds from this charitable event will be donated to the Les Harrison Character Education Camp!

For More Information, Please Contact:
Kevin Steklof at 244-4570.

Check out our Community Calendar!
Please visit the PBA website to view a complete list of Penfield events.

Your Tax Refund: Invest Today for Tomorrow’s Goals
by PBA Director Curt Regruit, Edward Jones

The tax-filing deadline arrives this week. Will you be getting a refund? If so, take the time to consider how best to use it — because, when used wisely, your tax refund can give you a few added steps on the road toward achieving your financial goals.

Of course, if you filed your taxes weeks ago, you might have already received a refund. But given the current economic environment, you might have kept the money in a “holding place” while you waited for an uptick in the financial markets. At any rate, if you have access to a refund this year, you now have the opportunity to put that money to good use.

How? Here are a few ideas:

• Help fund your IRA. In 2008, the average federal tax refund was $2,429, according to the Internal Revenue Service. If you were to receive that amount, it would cover almost half of your IRA contribution for this year, as the annual limit is $5,000. (You can put in $6,000 if you’re 50 or older). A traditional IRA grows tax deferred, while a Roth IRA grows tax free, provided you have held your account for at least five years and don’t take withdrawals until you reach age 591⁄2. Your IRA may have taken a hit last year, but if you fund it with quality investments and avoid making withdrawals until retirement, you can take important steps to help rebuild your portfolio.

• Help build an emergency fund. You could use part of your refund for an IRA and part to help build an emergency fund. Ideally, you should have six to 12 months’ worth of living expenses in a liquid account to help pay for unexpected costs, such as a major car repair, a new furnace or a costly medical bill. Without such an emergency fund, you might be forced to dip into your long-term investments to pay for these costs — and that can hurt your progress toward your financial objectives.

• Help rebalance your portfolio. Based on your risk tolerance, time horizon and long-term goals, you may have decided to put a certain percentage of your assets in “growth” vehicles and a certain percentage in income-oriented investments. At that point, your portfolio was in equilibrium. But during the long bear market, your portfolio may have sustained enough losses to become “unbalanced.” In other words, some of your investments may have lost so much value that they no longer make up the percentage of your holdings that you had originally intended.

Of course, you could wait for these investments to bounce back — and they may, given enough time — but if you wanted to speed up the rebalancing process, you could use your tax refund to add the right types of new investments to your mix.
Ironic as it may seem, there may not be a better year in which to invest your refund. You can find many quality investments at reasonable prices today, so your refund can help you add extra shares to your accounts — and the more shares you own, the better off you may be when the market turns around. So put your refund to work soon.

*Edward Jones does not offer tax or legal advice. Consult with a competent tax or legal advisor about your specific situation.

Enhancing Your Financial Fitness
by James Terwilliger, Canandaigua National Bank & Trust

Most of us will never win the lottery...or inherit a windfall from a rich uncle...or pick the next million-to-one hot stock.

That's all luck.

Luck will not secure our retirement. Nor will it fund our children's educations. But smart, disciplined planning can help us do just that and much more. It can help us reach our goals - and not just financial goals. As we know, financial resources are only a means to an end. The end is a fulfilling life with dreams to be lived and achieved.

It is never too early and never too late to take charge of one's financial future through formal financial planning. Financial planning is not just about investing. It's much broader. It's really about getting one's entire financial house in order, much like partnering with a trusted physician to establish and maintain physical well-being.
Disciplined personal financial planning helps to ensure:

• you and your family are adequately protected from undo risk
• you are taking advantage of available income tax deductions and credits
• you are aware of tax-advantaged ways to save for college and are saving at a rate that will meet your funding goals
• your investments are adequately diversified within an asset allocation consistent with your risk tolerance, time horizon, and financial goals
• you are saving at a rate that will meet your retirement income goals and timetable
• your estate plan is consistent with your charitable and legacy interests, asset titling, and life-insurance/retirement-plan beneficiary designations

Comprehensive financial planning is a process, not a one-time event or product. The process typically consists of six steps:

• Develop goals and set priorities: Goals are a must for any plan. Where do you want to be and by when? What do you want to accomplish? Prioritization is important since, many times, it may not be possible to achieve all goals concurrently.
• Assess assets/resources: Taking a current-state financial snapshot establishes the starting point. This step is data-intensive and involves documenting all your holdings; cash flows; insurance; taxes; wills; trusts; estimated future assets, income, and expenditures; and any special circumstances.
• Identify barriers to reaching goals: Can all goals be met, and if not, why not? Are there competing goals, and if so, which are more important? What are potential barriers and what tools or approaches are available to eliminate or bypass any barriers?
• Incorporate strategies into an integrated plan: The key word here is "integrated." Since goals and associated strategies are usually interdependent, the pieces of an effective plan are assembled in a way that optimizes outcomes. In the absence of such integration, the individual pieces are not linked and financial decisions can become disconnected and even arbitrary.
• Put the plan into action: This is an often-ignored critical step. A plan is worthless if it is not implemented. An action checklist ・detailing what is to be done, by whom, and by when ・can be a big help.
• Monitor progress, evaluate results, and adjust plan as necessary: Is the plan working? Has something changed ・your goals or your circumstances? Life happens. Things change. It is important to keep the plan flexible to respond to changes and, when necessary, reset the course.

This takes us right back to Step 1, and the process repeats. When done well, comprehensive financial planning becomes a dynamic, life-long journey. It provides a framework for making ongoing financial decisions consistent with long-term goals.
Most folks do not have the knowledge, training, time, or desire to guide themselves through the process. Partnering with a trusted financial planner to provide the expertise and discipline is normally advised. A planner can be particularly helpful in guiding the implementation step.

When searching for a planner, be sure to talk with several, learn about their qualifications and experience, find out how they are paid (fee only vs. commission), and determine if they are selling product. You will probably be happier working with a "pure" planner vs. one who may use the plan to peddle a product.

James Terwilliger, CERTIFIED FINANCIAL PLANNER™, is Vice President, Financial Planning, Wealth Strategies Group, Canandaigua National Bank & Trust Company. He can be reached at 585-419-0670-50630 or by email at jterwilliger@cnbank.com. This article previously appeared in Business Strategies Magazine.

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