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Hotel Owners Turning to Sure Step to Keep Guests and Employees on Their Feet

Hotel Owners Turning to Sure Step to Keep Guests and Employees on Their Feet

Slip-and-fall injuries are a serious concern for all businesses, and the lodging industry is no exception. In fact, think about all the areas in a hotel, motel or bed-and-breakfast that have an increased potential for falls: Lobby floors and uncarpeted walkways, buffet and dining areas, kitchens, around swimming pools and saunas, locker rooms, restrooms. It’s a pretty lengthy list.

To prevent slip-and-fall accidents, more and more businesses, including hotels, are turning to a product called Sure Step, offered locally by Western New York-based Nonslip Safety Solution, to keep guests and employees on their feet. The result: Fewer potential lawsuits and/or missed work days.

Is It Wise to Trade Your Pension for a Lump Sum?

Most private employers have already replaced traditional pensions, which promise lifetime income payments in retirement, with defined contribution plans such as 401(k)s. But 15% of private-sector workers and 75% of state and local government workers still participate in traditional pensions.1 Altogether, 35% of workers say they (and/or their spouse) have pension benefits with a current or former employer.2

Many pension plan participants have the option to take their money in a lump sum when they retire. And since 2012, an increasing number of large corporate pensions have been implementing "lump-sum windows" during which vested former employees have a limited amount of time (typically 30 to 90 days) to accept or decline buyout offers.3 (Lump-sum offers to retirees already receiving pension benefits are no longer allowed.)

Tax Benefits of Homeownership

Buying a home can be a major expenditure. Fortunately, federal tax benefits are available to make homeownership more affordable and less expensive. There may also be tax benefits under state law.

Mortgage interest deduction

One of the most important tax benefits of owning a home is that you may be able to deduct any mortgage interest you pay. If you itemize deductions on your federal income tax return, you can deduct the interest you pay on a loan used to buy, build, or improve your home, provided that the loan is secured by your home. Up to $1 million of such "home acquisition debt" ($500,000 if you're married and file separately) qualifies for the interest deduction.

Is Smart Beta a Smart Strategy for You?

Traditional investment indexes such as the S&P 500 are weighted based on market capitalization, the value of a company's total outstanding stock. This means the largest companies in the index may have much greater influence on index performance than smaller companies. For example, the 10 largest companies in the S&P 500 account for more than 18% of the index's performance, as opposed to about 2% for the 10 largest if every company were weighted equally.1

Funds that track market-weighted indexes may be the most direct way to participate in broad market performance, but there has been increasing interest in an alternative indexing strategy called smart beta (also known as strategic beta or factor-based investing). More than 100 smart-beta exchange-traded funds (ETFs) were launched in 2016.2

Shifting the weight

Bases Loaded Sports Collectibles Plans Beckett Card-grading Event

Bases Loaded Sports Collectibles Plans Beckett Card-grading Event

Bases Loaded Sports Collectibles will host Charles Stabile, Northeast Regional Sales Manager from Beckett Grading Services, for a card and memorabilia grading event from noon to 7 p.m. Friday, Sept. 29, and 10 a.m. to 4 p.m. Saturday, Sept. 30, in the store located at 794 French Road, Cheektowaga.

M&T Bank to Host Local Not-for-Profits at Bills’ Games

M&T Bank to Host Local Not-for-Profits at Bills’ Games

‘The Comfort Zone’ by M&T Provides One-of-a-Kind Game-Day Experience

Eight local not-for-profit organizations will experience an exciting and exclusive game-day experience during the 2017-18 Buffalo Bills season thanks to M&T Bank.

M&T Bank is again donating eight gameday tickets in ‘The Comfort Zone,’ a private section within the M&T Club, to eight local not-for-profit organizations as a ‘thank you’ for their service to the Western New York community. The Comfort Zone features a private club entrance, comfortable lounge seating and complimentary food and beverages.

Professional Carpet and Floor Cleaning Will Wash Away the Remnants of Summer

Professional Carpet and Floor Cleaning Will Wash Away the Remnants of Summer

The calendar has turned to September and the kids are back in school. For the first time in a long time, the house is going to be empty and quiet for several hours a day. Sounds like a good time to have your carpets and flooring professionally cleaned!

“When you have kids and they have friends over all summer long, your flooring throughout the house can take a real beating,” said Edmund Bedient, owner of Clear Choice Cleaning Services in West Seneca and the father of five active children. “Add a pet or pets into the mix and you’re only adding to the problem. So take advantage of the school days and have your carpets and floors professionally cleaned, especially with the holidays right around the corner!”

A sparkling clean home is also extremely important if you are considering putting your house on the market at any time in the near future.