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Life Insurance at Various Life Stages

Your need for life insurance changes as your life changes. When you're young, you typically have less need for life insurance, but that changes as you take on more responsibility and your family grows. Then, as your responsibilities once again begin to diminish, your need for life insurance may decrease. Let's look at how your life insurance needs change throughout your lifetime.

Footloose and fancy-free

As a young adult, you become more independent and self-sufficient. You no longer depend on others for your financial well-being. But in most cases, your death would still not create a financial hardship for others. For most young singles, life insurance is not a priority.

Evaluating an Early Retirement Offer

In today's corporate environment, cost cutting, restructuring, and downsizing are the norm, and many employers are offering their employees early retirement packages. But how do you know if the seemingly attractive offer you've received is a good one? By evaluating it carefully to make sure that the offer fits your needs.

What's the severance package?

Six IRS Tips for Year-End Gifts to Charity


Many people give to charity each year during the holiday season. Remember, if you want to claim a tax deduction for your gifts, you must itemize your deductions. There are several tax rules that you should know about before you give. Here are six tips from the IRS that you should keep in mind:

1. Qualified charities. You can only deduct gifts you give to qualified charities. Use the IRS Select Check tool to see if the group you give to is qualified. Remember that you can deduct donations you give to churches, synagogues, temples, mosques and government agencies. This is true even if Select Check does not list them in its database.

Top Four Year-End IRA Reminders


Individual Retirement Accounts are an important way to save for retirement. If you have an IRA or may open one soon, there are some key year-end rules that you should know. Here are the top four reminders on IRAs from the IRS:

1. Know the limits.  You can contribute up to a maximum of $5,500 ($6,500 if you are age 50 or older) to a traditional or Roth IRA. If you file a joint return, you and your spouse can each contribute to an IRA even if only one of you has taxable compensation. In some cases, you may need to reduce your deduction for traditional IRA contributions. This rule applies if you or your spouse has a retirement plan at work and your income is above a certain level. You have until April 15, 2015, to make an IRA contribution for 2014.

Crowley Webb Asks Community to “Shine Some Light” on Domestic Violence

Crowley Webb Asks Community to “Shine Some Light” on Domestic Violence

BUFFALO, NY – Crowley Webb, a full-service marketing communications agency in Buffalo, NY, today mailed holiday cards to hundreds of friends, family, and clients. But the cards include more than the usual well wishes. There’s a message that encourages recipients to “Shine Some Light” to generate awareness for domestic violence.

The card itself features a single, burning candle. And similar glowing light can be seen from Crowley Webb’s office windows this season.

“A candle in a window has served as a sign of welcome to others for centuries,” said Dave Buck, President, Crowley Webb. “Seen from a distance and shining in good times and bad, it is a sign of friendship and family, warmth and welcoming. That’s what inspired us.”

Save Twice with the Saver’s Credit


If you are a low-to-moderate income worker, you can take steps now to save two ways for the same amount. With the saver’s credit you can save for your retirement and save on your taxes with a special tax credit. Here are six tips you should know about this credit:

1. Save for retirement.  The formal name of the saver’s credit is the retirement savings contributions credit. You may be able to claim this tax credit in addition to any other tax savings that also apply. The saver’s credit helps offset part of the first $2,000 you voluntarily save for your retirement. This includes amounts you contribute to IRAs, 401(k) plans and similar workplace plans.

NOCO Express opens state-of-the-art convenience store in Grand Island

NOCO Express opens state-of-the-art convenience store in Grand Island
NOCO Express  recently celebrated the grand opening of its newly rebuilt store located at 1898 Whitehaven Road in Grand Island, NY. The former 950-square-foot store has been replaced with a brand new 4,000-square-foot store to accommodate the needs of today’s on-the-go customers. 


Open 24 hours daily, the new store features Nickel City foods, a prepared food service offering with a variety of meal options for breakfast, lunch, dinner or a snack. U-Swirl Frozen Yogurt is the only frozen yogurt shop on Grand Island, and provides customers up to 20 non-fat flavors and more than 60 toppings to choose from. Customers serve themselves and pay per ounce.  An expanded selection of grocery and beverage items are also available. The new store features both indoor and outdoor seating along with free Wi-Fi.