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What is a pet trust?

A pet trust is an arrangement to provide for the care and financial support of your pet(s) upon your disability or death. You fund the trust with property or cash that can be used to provide for your pet based on your instructions in the trust document.

Your pet trust should name a trustee who will carry out your instructions for the care of your pet, including handling and disbursement of trust funds and turning your pet over to the person or entity you designate to serve as your pet's caregiver. The trustee and caregiver could be the same person or entity.

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What is a funeral trust?

A funeral trust is an arrangement entered into with a provider of funeral or burial services. Prepaying funeral expenses may allow you to "lock in" costs for future funeral or burial services at an agreed-upon price. The funeral home sometimes serves as trustee (manager of trust assets), and you usually fund the trust with cash, bonds, or life insurance. A revocable funeral trust can be changed and revoked by you at any time. An irrevocable trust can't be changed or revoked, and you generally can't get your money out except to pay for funeral services.

Expect the Unexpected: What to Do If You Become Disabled

In a recent survey, 46% of retirees said they retired earlier than planned, and not necessarily because they chose to do so. In fact, many said they had to leave the workforce early because of health issues or a disability.¹

Although you may be healthy and financially stable now, an unexpected diagnosis or injury could significantly derail your life plans. Would you know what to do, financially speaking, if you suddenly became disabled? Now may be a good time to familiarize yourself with the following information, before an emergency arises.

Understand any employer-sponsored benefits you may have

Come to Audubon Nature Play Day Sunday, October 15

Come to Audubon Nature Play Day Sunday, October 15

Jamestown, NY – You and the young one(s) in your life are invited to come and play outside with a naturalist.

On Sunday afternoon, October 15, 2017, Audubon Community Nature Center is offering a Nature Play Day to let children explore unstructured outdoor play in a safe environment and learn how to continue the nature play experience at home.

Children ages two to eight and their favorite adults can drop in anytime from 1 to 4 p.m. in Audubon’s Nature Play Area.

Unstructured play outside is beneficial to a child’s physical and mental development as well as their understanding and appreciation of the natural world. However, concerns about safety, location, materials and the value of play are often barriers in creating these experiences. This program aims to inspire both kids and adults to make discoveries and feel more comfortable about the natural world through play.

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Audubon October 16 Gardening Workshop Free Thanks to Cummins

Audubon October 16 Gardening Workshop Free Thanks to Cummins

Jamestown, NY – The second of three free gardening workshops at Audubon Community Nature Center (ACNC) will be 5-6 p.m. on Monday, October 16, 2017.

You can learn about “Extending the Season” with tips and tools.

In this climate, growing things all year long can be a challenge. You can learn about cold-hardy vegetables, tools such as cold-frames and cloches that create warmer microclimates, and simple frost protection to make the harvest last a little bit longer or come on a little bit earlier in the spring.

Audubon senior naturalist Sarah Hatfield, volunteer Reg Boutwell, and other local gardeners will show you the ways they keep their gardens producing into the fall and through winter. There will be a short program followed by a panel questions-and-answers session.

Hands-on demonstrations will be available in the ACNC kitchen garden, so come prepared to go outside, dressing for the weather with appropriate footwear.

Student Loan Debt: It Isn't Just for Millennials

It's no secret that today's college graduates face record amounts of debt. Approximately 68% of the graduating class of 2015 had student loan debt, with an average debt of $30,100 per borrower — a 4% increase from 2014 graduates.1

A student loan debt clock at finaid.org estimates current outstanding student loan debt — including both federal and private student loans — at over $1.4 trillion. But it's not just millennials who are racking up this debt. According to the Consumer Financial Protection Bureau (CFPB), although most student loan borrowers are young adults between the ages of 18 and 39, consumers age 60 and older are the fastest-growing segment of the student loan market.2

Rise of student debt among older Americans

BBB’s Secure Your ID Day coming soon; free paper shredding and identity theft prevention advice and

BBB’s Secure Your ID Day coming soon; free paper shredding and identity theft prevention advice and

Identity theft is still a major problem in the United States. Over 15 million U.S. consumers lost $16 billion in 2016, compared with $15.3 billion and 13.1 million victims a year earlier. In the past six years, ID thieves have stolen over $107 billion.

To help combat ID theft and educate the public on best practices to secure personal information, Better Business Bureau of Upstate New York, in partnership with Tops Friendly Markets, Shred-It, AT&T, Greater Baldwinsville Chamber of Commerce, Cheektowaga Chamber of Commerce, and West Seneca Chamber of Commerce will host Secure Your ID Day on Saturday, October 7, 2017 from 9:00 a.m. – noon across Upstate New York (Western New York, Rochester, and Central New York). 

The free community shredding events in Western New York will be held at Tops Friendly Markets at 355 Orchard Park Road, West Seneca and 3865 Union Road (corner of George Urban Blvd.), Cheektowaga in the parking lots.