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Canterbury Woods Begins $1.5 Million Renovation Project

Canterbury Woods Begins $1.5 Million Renovation Project

                         Work at Oxford Village unit continues series of investments in recent years

Since opening its doors 15 years ago, Canterbury Woods has set the standard for retirement living and senior care in Western New York by continuously investing in the services and environment the community’s residents enjoy. The region’s premier life care community is continuing to build on that legacy with an extensive renovation project at its five star-rated Oxford Village skilled nursing unit.

Work recently began on the $1.5 million project, which will include a new entryway, additional kitchen, dining and activities space, reconfigured administrative areas, and upgraded carpeting, wall coverings and fixtures. The project is expected to be complete by early 2015.

Affordable Care Act – Individuals


New IRS Publication Helps You Find out if You Qualify for a Health Coverage Exemption

Taxpayers who might qualify for an exemption from having qualifying health coverage and making a payment should review a new IRS publication for information about these exemptions. Publication 5172, Health Coverage Exemptions, which includes information about how you get an exemption, is available on IRS.gov/aca.

The Affordable Care Act calls for each individual to have qualifying health insurance coverage for each month of the year, have an exemption, or make an individual shared responsibility payment when filing his or her federal income tax return.

You may be exempt if you:

AT&T, Z80 Labs, United Way, d!g Buffalo, and Buffalo Open Data Host Civic App Symposium

AT&T, Z80 Labs, United Way, d!g Buffalo, and Buffalo Open Data Host Civic App Symposium

Mobile and web apps are changing the world and local communities, and Western New York is no exception.  To further grow the technology and start up communities in Western New York as well as promote social entrepreneurship, AT&T, Z80 Labs, United Way of Buffalo & Erie County, d!g Buffalo, and Buffalo Open Data teamed up to host a civic app symposium entitled, Opportunities in Open Data at d!g Buffalo on Saturday, September 27th. More than 75 local entrepreneurs, technologist, app developers and software engineers atteneded the symposium to learn more about local community issues and avaialble data that could be used to help develop civic apps to address these issues for the AT&T Western New York Civic App Challenge.  

U.S. Census Bureau Issues Report on Health Insurance Coverage in 2013

The U.S. Census Bureau recently released its report, Health Insurance Coverage in the United States: 2013. While previous reports often compared statistics from prior years, this report includes a "complete redesign of the health insurance questions," so caution is recommended when comparing figures from the 2013 report to estimates from prior years. Here are some of the highlights.

How is health insurance coverage defined?

I'm looking to buy a home. What are some common mortgage mistakes to avoid?

Navigating the complex world of mortgages can be difficult. As a result, it's easy to make mistakes when applying for a mortgage loan.

Here are some common mortgage mistakes you should try to avoid:

·         Taking on a mortgage that is too big for you to handle. The mortgage you are qualified or preapproved for isn't necessarily how much you can afford. Be sure to examine your budget and lifestyle to make sure that your mortgage payment--including any extras, such as mortgage insurance--is within your means.

·         Neglecting to read the fine print. Before you sign any paperwork, make sure that you fully understand the terms of your mortgage loan and the costs associated with it. For example, are you are applying for an adjustable-rate mortgage? If so, it's important to be aware of how and when the interest rate for the loan will adjust.

What factors could negatively impact my credit report?

Having a good credit report is important when it comes to personal finance, because most lenders use credit reports to evaluate the creditworthiness of a potential borrower. Borrowers with good credit are presumed to be more creditworthy and may find it easier to obtain a loan, often at a lower interest rate.

A number of factors could negatively impact your credit report, including:

Leaving Assets to Your Heirs: Income Tax Considerations

An inheritance is generally worth only what your heirs get to keep after taxes are paid. So when it comes to leaving a legacy, not all property is created equal--at least as far as federal income tax is concerned. When evaluating whom to leave property to and how much to leave to each person, you might want to consider how property will be taxed and the tax rates of your heirs.

Favorable tax treatment for heirs

Roth IRAs