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Spotlight on Business

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You, too, can learn to use a computer

Goodman IT Pro teaches people how to navigate the online world

Goodman IT Pro has stepped up to the challenge of combatting the lack of knowledge when it comes to new technology.

All your banking needs under one roof

CAP COM Financial Center’s state-of-the-art space culminates six decades of growth

What’s waiting for you at 4 Winners Circle in Albany? The answer: The CAP COM Financial Center.

How to manage a financial windfall

Spotlight On Finance

The issue most people face when they come into money is they don’t know what do with it. Unlike the income we earn, we don’t have a plan for windfalls. It’s not part of our budget, so it’s easy to think of it outside the scope of our day-to-day expenses and long-term financial goals. This is the mistake. When newfound money is not part of our plan, it’s easy to spend. It’s also easy to overestimate its true value.

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Where every customer is an individual

National Bank of Coxsackie opens new branch in Glenmont to serve even more people

National Bank of Coxsackie is pleased to announce the opening of its newest branch located in the Town of Bethlehem — right in Glenmont.

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Painters Plus gets the job done right

Company tackles projects big and small

Coming from a family of entrepreneurs, Chris Nace, grew up around a prosperous business owner and three brothers who operate their own contracting businesses. Their success must have rubbed off on him.

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Moving can make you feel like a fish out of water, planning can bring you home

Spotlight on Finance

Life changes have a way of making us feel like fish out of water. They pull us from the familiar and leave us with an internal desire to wiggle back to a place we are more accustomed to—a place that makes us feel safe. Sometimes these changes are small, like shopping at a new grocery store or being rerouted on your way to work by a detour in the road. Other changes, such as starting a new job or school, are more monumental. But when it comes to really pushing us out of our comfort zone, few things knock the fish tank over quite like a move.

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New mortgage rules are changing the game for lenders, borrowers

Spotlight on Finance

On January 10, 2014, the Ability-to-Repay and Qualified Mortgage Rule of the Dodd-Frank Act was implemented. In short, the rule prohibits lenders from approving a mortgage loan unless they can, according to the Mortgage Banker Association, “make reasonable and good faith determination, based on verified and documented information, that the consumer will have reasonable ability to repay the loan according to its terms.

Banks can be a positive tool when shaping kids’ relationship with money

Spotlight on Finance

According to the FDIC, nearly one-third of the U.S. population does not have a bank account or make regular bank-based financial transactions, such as check cashing, deposits or loans. The outcome for this percentage of people, which is greater than 100 million Americans, is predictable: higher fees to access important financial services while not developing the important history needed to qualify for a mortgage, secure a business loan or borrow for education. The truth about banks is this: they are an important tool for helping individuals build financial prosperity, regardless of income and age, and they should play a large role in the financial education of children.

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Capital District Summer Camp Listings

The Spotlight presents is summer camp guide for 2014.

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How women can use networking and educational events to learn, grow

Spotlight on Finance

As women in business, most of us have had the good fortune of working with a strong mentor. Many of us have also served as mentors ourselves, sharing what others have shared with us and what we have learned with others. In the process, we all become better—better professionals and better people. Networking and educational events that are developed to address the unique needs of women serve a similar function. In fact, in today’s wired world, events like Key’s upcoming “Healthy, Wealthy and Wise” conference are becoming more important than ever. They offer new ways for us to make connections, build skills and learn at a time when one-on-one opportunities to exchange ideas and experiences are harder to come by. You just need to make sure you’re spending your time at the right events and optimizing your time.

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Securing a business loan is easier if you have a plan

Spotlight on Finance

When it comes to running a successful business, most people think it’s a simple matter of offering a product or service that customers are willing to spend money on and generating profits. However, those who actually run successful businesses will tell you it’s much more nuanced than that . . . that if you really want to succeed, you need to have a plan for managing every aspect of your operations, especially your finances.

Helping people achieve overall wellness

Social worker Marian Truax offers gentle therapeutic intervention

A Delmar native has returned to her hometown and opened a private practice offering help to people looking to overcome obstacles in life and achieve overall wellness.

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Wearable art

At Drue Sanders, creativity and quality are tops

Drue Sanders always knew she wanted to be an artist. What she didn’t want to be was a starving artist.

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Local dentists help achieve a perfect smile

Dr. Steven Lysenko and Dr. Danielle Lloyd’s dental office, located at 17 Maple Road in Voorheesville, has been committed to serving the Capital District since 1971.

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A wealth of wisdom

Bryant Asset builds relationships within the community

When it comes to managing a person’s life savings, to Bryant Asset trust is key.