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Jake Van Ness

2079 Articles

BankWise Rolls Out ‘Happy Banker,’ A Program That Integrates Operating Systems

Posted onOctober 17, 2021

BankWise Technology has introduced Happy Banker, a software solution for banks and credit for use with their core processing system and their daily banking operations.

These modules help banks leverage and enhance their core system for certain tasks and can save them time and money, the company said.

BankWise Technology is headquartered in Saratoga Springs.

Happy Banker is a suite of modules that seamlessly integrate with a bank’s core operating system to assist in streamlining certain daily compliance and operational tasks. The modules are “plug n play” and can be combined or used individually.

Currently there are four modules: customer verify, high risk customer monitor, debit card dispute case management and overdraft review. Banks and credit unions must adhere to a strict set of regulations to maintain the safety and integrity of their customers and their bank in a rapidly changing environment. These modules help banks manage certain tasks in operational areas, like deposit operations and compliance, thereby increasing efficiencies and improved customer service.

Happy Banker also offers a variety of hosting options. Banks can host the software on their own server, in the cloud or on BankWise Technology’s secure cloud platform.

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NBT Bank Publishes Cyber Security Series To Help Businesses Detect, Avoid Cybercrimes

Posted onOctober 17, 2021

To mark National Cybersecurity Awareness Month this October, NBT Bank has published a series of cybersecurity webinars addressing the trends and concerns businesses should be aware of.

These on-demand webinars were exclusive to NBT Bank partners and customers until now.

“With the dramatic shift to more people working remotely, this year’s Cybersecurity Awareness Month is more important to consumers and businesses than ever before,” said Terra Carnrike-Granata, senior vice president, director of information security at NBT Bank.

“While we provide our individual and business customers with robust fraud prevention tools and information, we felt there was an urgent need to get this information out to all members of our community to help them understand how to better protect themselves from cybercrime.”

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Business Report: Don’t Let Year-End Sneak Up On You

Posted onOctober 17, 2021
Mark Shaw, president and CEO of Stored Technology Solutions Inc. (StoredTech)

By Mark Shaw

Although it’s the end of 2021, it seems like 2020 all over again, right? Well, this year will have some new challenges.

Don’t let the last quarter of the year leave your business unprepared for growth and support. There are things you can do now to ensure that in the world of technology you are not left out in the cold come December.

During this time of the year, budgets are being built and the last of the year spends are getting planned out. In a perfect world, companies would finalize those purchases in late November or early December, just in time to get the hardware, software, or service in play and being used before Jan. 1.  Every business I know, StoredTech included, finds those final hour purchases to help with business financials.

In 2021, with the supply chain tightened and stretched in some areas, a wait-and-see approach cannot be taken.

Right now, chip shortages with car makers are the most visible to the public. The dealership lots are filled with many empty spaces. Go to your local grocery store, or even Walmart, these gaps in the shelves and lack of variety is now commonplace. Years ago, shelf space was at a premium and brands would pay extra to be at eye level. Now retailers are just trying to fill the shelves.

Although, it may seem normal to pick up alternative items when grocery shopping for your family, there are more consequential results when it comes to your business and how it can be impacted. The lack of materials visible in supermarkets, are visible in business technology as well.

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Leslie Swedish Finds Her Business Endeavor, Moxxi Coffee Co., ‘A Pleasure’

Posted onOctober 17, 2021
Leslie Swedish got into the coffee business after a career as a hair stylist.
©2021 SaratogaPhotographer.com

By jill Nagy

Just past her one-year anniversary, Leslie Swedish is finding Moxxi Coffee Co., her new coffee business, “nothing short of a pleasure.”

The company sells its own blends of coffee online and through retail outlets and “business is going really well.”

Swedish designs the blends—there are six so far—in cooperation with Chris’ Coffee Service in Latham. Chris’ imports the coffees and roasts and mixes the blends to her order. Coffees are organic and fair-traded.

Typically, there are between two and four varieties to a blend. The three basic blends are blond ambition, a four-bean blend of lightly roasted coffees; bold ambition, a dark roast blend of monsoon and Malabar coffees; and wild ambition, an “almost espresso” blend of extra dark Peruvian and Indian coffees.

In addition, Swedish has concocted three varieties of herbal and botanical infused coffee blends: relax, refocus, and revive. A winter blend is under development. Swedish also offers a variety of coffee mugs.

For every item sold, the company donates $1 to the Moxxi Women’s Foundation that makes grants “to support ambitious women in the Capital region.” The foundation, nonprofit charitable corporation, has been active since last March. Grantees include a local woman who sells soaps and candles and will use the grant money to buy a tumbler for polishing stones.

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Rose Miller Led Her Pinnacle HR Company’s Growth From Five Employees To 30

Posted onOctober 17, 2021
Rose Miller says business during COVID was busy for Pinnacle Human Resources LLC.
Courtesy Rose Miller

By Christine Graf

Before owning her own company, Rose Miller worked in human resources for companies of all sizes. Around 2005, she began to seriously consider the idea of opening her own human resources consulting business.

“You have to do a scout model. Always be prepared and get as many facts as you can,” she said.

Her research revealed that the number-one failure point for HR professionals who went out on their own was loneliness and isolation. A self-described people person, Miller found that concerning.

“I saw myself quickly becoming dissatisfied with working out of my house,” she said. “I also knew that one of my strengths is building great teams. I knew I didn’t want to work all by myself. I wanted to build a company.”

Her first step was to create a business plan. According to Miller, it is essential for anyone who is thinking about starting their own business.

“So many entrepreneurs don’t write a business plan, but you really need to sit down and go through a professional business plan because it makes you formulize things and delve into areas that you may not be strong at. To put it in writing is an amazing exercise.”

While working on her business plan in 2005, she attended a chamber of commerce meeting and was seated with the managing partner from a local CPA firm. After learning that his firm was interested in starting an HR consulting practice, she told him that he had found the person to run it.

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Beth Moeller’s Consulting Firm Helps Solve Digital Marketing Problems For Nonprofits

Posted onOctober 17, 2021
Beth Moeller, PhD., is the owner of Interactive Media Consulting LLC.
©2021 SaratogaPhotographer.com

By Susan Elise Campbell

Interactive Media Consulting LLC owner Beth Moeller, PhD. is helping solve digital marketing problems for small businesses and nonprofits—markets she said she slipped into during the company’s earliest beginnings.

The company is marking its 25th anniversary this year.

“It was First Night 1996 and we were involved in organizing communications to create a web site,” said Moeller. “There was no money to pay us, but I knew we would do it.”

An arts enthusiast, Moeller has donated valuable professional services ever since to sustain and establish the arts and art education from her alma mater, Clarkson University in Potsdam, down to the Capital District.

She was teaching at Clarkson and was about to get married when she decided to create an LLC. That decision led the couple to the Saratoga area and the pro bono web site that introduced her programming and web design skills to the merchants and sponsors of Saratoga’s First Night.

“Some of those companies called and asked me to do their websites, and some of them are still clients,” she said. “I was at the right place at the right time with the right expertise.”

Moeller started her company at a time when the HTML programming language was “taking off” and more and more advertisers were promoting their websites on TV and in print, she said.

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Kylie Holland Gained The Needed Experience As She Prepares To Head The Family Business

Posted onOctober 17, 2021

By Christine Graf

While still a student at Galway High School Kylie (Curtis) Holland started working at the front counter at Curtis Lumber in Ballston Spa. Today, the sixth-generation member of the Curtis family is preparing for the day when she will take the helm of the family business.

Her father, Jay Curtis, currently serves as CEO and president of the 131-year old company that has 23 locations and approximately 700 employees. He took over in 1991, the same year that Holland was born.

During the four years that Holland attended college at SUNY Cortland, she made a five-hour round trip each weekend in order to continue working at Curtis Lumber. After graduating with a degree in criminal justice in 2012, she considered attending law school.

“I was faced with a choice of either you go to law school or you work (at Curtis Lumber),” she said.  “Because of the intensity of law school, I knew I couldn’t do both. That was kind of my moment where I had to choose. I just couldn’t imagine what it would look like to walk away from Curtis Lumber.  I loved it, and I loved the people. That’s when I decided this was the path for me after all.”

Although her older brother, Christopher, also works for Curtis Lumber, he is not interested in taking over when their father retires.

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Commercial Real Estate Market Declines As Pandemic Reigns, But Optimism Exists

Posted onOctober 17, 2021
Gerard Wise is an associate broker at Roohan Realty in Saratoga Springs.
©2021 SaratogaPhotographer.com

By Christine Graf

Unlike the residential real estate market which has boomed during the COVID-19 pandemic, the commercial real estate market has experienced a significant decline, according to those in the industry.

The demand for commercial space has been impacted by pandemic-related business closures and the changing demographic of the workforce. According to a Gallup poll, 72 percent of white-collar workers were still working remotely in May 2021.

Many companies are expected to  switch to a hybrid model or to allow employees to continue working exclusively from home after the pandemic ends. If this happens, the demand for commercial office space could drop significantly.

The pandemic also led to a dramatic increase in Ecommerce, which was already a threat to brick and mortar retailers who now fear that consumer behaviors that changed during the pandemic may become permanent. A record number of stores closed in the U.S. in 2020 leaving 159 million square feet of retail space vacant.

Despite these concerns, Howard Denison, associate broker at DeMarsh Real Estate in Glens Falls, said the local commercial real estate is rebounding after being “under the weather” for the past year.

He has been working in real estate for 31 years and attributes much of the recovery to the Route 9 sewer project in Moreau. The addition of a municipal sewer system in the town’s commercial corridor is expected to lead to development and economic growth in area where growth had stagnated.

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Wellspring Organization Moves Offices From Saratoga Springs To A Location In Malta

Posted onOctober 17, 2021
This is a rendering of a new structure being built for Wellspring, the organization that provides crisis and support services to victims of domestic violence and sexual assault in Saratoga County.
Courtesy Wellspring

For nearly 40 years Wellspring, the organization that provides crisis and support services to victims of domestic violence and sexual assault in Saratoga County, has operated from an out-of-sight basement office on Broadway in Saratoga Springs.

Now, after decades of planning and a successful fundraising campaign, Wellspring is moving into a new mission-based facility located just south of Northway Exit 12 at 2816 Route 9 in Malta.

Similar to Wellspring’s current location on Broadway, domestic violence and sexual assault are often hidden from view.

“Because relationship abuse is so private, and understandably so, I don’t think many people realize that there is a deep demand for Wellspring’s services throughout our county. Last year we responded to over 1,300 hotline calls,” said Wellspring Executive Director Maggie Fronk. “Even so, we know that there are many victims who we are still not connecting with. This new building will make Wellspring much more visible, and we hope this means that more people will know that we are here as a resource.”

Wellspring’s new home will expand their ability to serve more clients, she said. Many times victims of relationship abuse are unable to leave because their abuser has prohibited them from having their own source of income. The agency’s new building will have program space for workforce development to enhance clients’ job skills for career growth and financial literacy classes for self-sufficiency.

In addition to new client services, Wellspring’s new location will include ample space for community prevention and education programs.

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Business Report: Preserving Vacation Home For Future Generations

Posted onOctober 17, 2021
David Kubikian is a principal with Herzog Law Firm in Saratoga Springs.
Courtesy Herzog Law

By David A. Kubikian, Esq.

When people own something of sentimental value, they are sometimes unsure of how to pass it down to their family for future generations to enjoy. This is especially the case with a vacation home or camp that has been in the family for years.

Example: You own a beach or lake-front vacation home for years in a now sought-after area. You have seen your children (and grandchildren) grow up there and recall memories of watching sunsets over the water, roasting marshmallows over a campfire, and teaching the kids how to swim. It may be difficult to think that this home will be sold out of the family when you die and would like to preserve it for enjoyment of generations to come.

How can you best insure this property will be there for future generations to enjoy (and at times cohabitate), as your family tree grows or in future after your passing?

Who will be responsible for paying the Insurance? Taxes? Repairs? Maintenance? Fees?

Who decides which family members or friends use it and when?

What impact would future divorces or bankruptcies have on the property?

How can you protect the property from a Medicaid spend down?

Read More

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