Vol. 20 No. 4 April 2011

ChamberLine The

Two anchors of the Village of Rhinebeck merchant community are celebrating their expansions! Please stop in to see their new spaces.

A.L. Stickle Variety Store is now the home of the Knitting Garage, where knitters of all levels can come to find the most luxurious yarns and every-thing else you need to create beautiful items. Just come knit on the comfortable couch with friends or take a class.

Congratulations are in order!

Oblong Books & Music has expanded their Rhinebeck space to include a new area, Oblong Jr., home to hundreds of new books, toys, games, science kits and much, much more!

Great things are happening here in Rhinebeck!

2 RHINEBECK AREA CHAMBER OF COMMERCE BOARD OF DIRECTORS Officers President Bruce Troy Burnett & White Funeral Homes 1st Vice President Vicki Haak, CFP® Ameriprise Financial Services 2nd Vice President Sean Kemp McCabe & Mack LLP Treasurer Marybeth Cale Palmiter Benefits Group Cale Consulting LLC Secretary Robert Babirad Hudson Valley Federal Credit Union Directors George Banta, Jr. Board Member-at-Large The Beekman Arms Josh Burckhard, D.C. Rhinebeck Chiropractic James Chapman The Rhinecliff Terri Ferris Rhinebeck Savings Bank Bob Grems Dutchess County Fairgrounds Jesse Hewitt Northern Dutchess Hospital Tom Jozefowicz Williams Lumber Tina Keil Bella Fiori Michael Madigan, O.D. Rhinebeck Eye Care Kevin O’Connor The UPS Store Chamber Staff Colleen Cruikshank, Ex. Director Claudia Cooley, Member Rep. Chamber Office Information: 23F East Market Street 876-5904 fax 876-8624 Mailing address: PO Box 42, Rhinebeck, NY 12572 info@rhinebeckchamber.com RhinebeckChamber.com

The ChamberLine

2011 CHAMBERLINE ADVERTISING RATES: 1/2 page—$75 per month or 12 months for $750

Business Card —$25 per month or 12 months for $250 Single page inserts $100 (must be provided pre-printed for insertion)

1/4 page —$50 per month or 12 months for $500 For more information on advertising, please call 876.5904.

Dear Members:

This year our desire for spring is greater than ever, I actually have a tee time tomorrow. As I write this on March 31

st, they are calling several inches

of snow (yahoo!!). I guess that means I have to get the clubs out of the liv-ing room. At least my wife will be happy!

A week ago, the RACOC, had our monthly breakfast meeting at Taconic Retreats. It was a great turnout and it is a great facility. If you get a chance, you should stop by for a visit. Our speaker was a Professor from Dutchess Community College who gave a talk about working in an economy that is less than spectacular.

Overall, his point, and a point that I have clumsily been trying to convey over the last couple of years, was that we should have constant vigilance in our businesses. Just because we are in a down economy, we should not pull in the oars. It is the time to retool and refresh our approach and pre-pare ourselves for when times are more prosperous. It is that down time that we should use to make new contacts, even if they don’t immediately turn into customers or clients. It is the network building that can reap bene-fits when both the climate is right and when it is less than perfect.

It is that exposure that the RACOC does best. At the Chamber we provide many opportunities for you to expand your network and meet some really great people. It is up to you if want to take that challenge on. I have people say to me all the time-“what does the chamber do for me?” My standard reply is “a lot”, and I go about regaling the virtues of what their dues pro-vide. But in the back of my mind, I am dying to say (in a nice way) - “what opportunities that the Chamber provides do you take advantage of?” It is the old adage- “you can bring a horse to water, but you can not make them drink.” Every business person has a personal responsibility to make a deci-sion on how to market their business and themselves. It is our job, as a Chamber, to provide you the opportunities, and it is your decision to use those opportunities for your advantage.

On a final note, the annual visitors guide is set to go to print. However last minute ads are still being accepted. Please call Claudia Cooley at the Chamber office for more information. This year’s guide has been a great project, with a lot of community input and the ad response has been ex-traordinary. We have exceeded our expectations and it is this response that will allow us to increase the number of books printed and in turn, increase your exposure. So, thanks to all of you who continue to realize the value of not only your membership-but the value of your added support to projects such as the visitors guide.

So until next month …

Regards,

Bruce Troy, President

The ChamberLine 3 BUSINESS SPOTLIGHT

Always There Home Care

918 Ulster Avenue, Kingston, NY 12401

845-339-6683

Please join the Rhinebeck & Red Hook Chambers of Commerce and Always There for a spectacular Chamber Mixer on Wednesday, April 27th from 5:30 pm to 7:30 pm at Always There’s offices at 918 Ulster Avenue, Kingston, NY 12401. Delicious appetizers and samplings will be served with wine and ale (Ales hosted by Keegan Ales).

Always There is a 501(c)(3) community and home health-based organization that provides quality home health care; education of Home Health Aides (HHAs) and Personal Care Aides (PCAs); and Adult Day Programs (with Alzheimer Support Groups) to the Hudson Valley (including all of Ulster County and recently Dutchess County areas), since 1970. Always There annually assists over 1,800 Ulster County residents. In just ONE Year ¾ Our skilled, compassionate, personal care aides provided over 107,600 hours to clients in their homes, and nurses and therapists made over 42,000 visits. Also, in November, Always There Family Home Health Services was awarded, the 2009 HomeCare Elite Award. This annual award identifies the top 25 percent of agencies in the USA.

The Always There Adult Day Programs allow respite for the caregivers. It also provides quality opportunities for the frail elderly to socialize doing activities and exercise providing mental stimulation and promoting physical well-being. It is our commitment to quality home health care in the Hudson Valley that makes these centers viable to the local community. We currently have two Adult Day Programs ~ Kingston (at 918 Ulster Avenue, Kingston). Always

There Family Home Health Services is certified by the Center for Medicare and Medicaid Services. Always There Family Home Care is licensed by the New York State Department of Health. and the Always There Adult Day Programs are approved by the Office for Aging. This week Always There's new interactive website has launched! For a complete listing of our services and programs, please visit www.alwaystherehomecare.org. The new website includes great features for you and your loved one including: Help Surveys, By Service Information, Resource Links, Community Area, Interactive Informational Blogs and Calendars, Event Information ~ you can purchase dinner tickets online, Donate Online and so much more! For further information, please contact Jami L. Anson at 845-339-6683 ext. 3213, cell: 845-401-9469, or

email janson@alwaystherehomecare.org.

March Business After Hours at

Grand Cru Beer & Cheese Market.

Thank you to hosts

Eric & Mary Molleur!

www.grandcrurhinebeck.com

MEMBER UPDATE Arbor Ridge Showcases Local Artists

Partners In Art

Beginning March 22 and running throughout 2011, the public is invited to Partners in Art, a year-long visual gift to the Rhinebeck Community from Arbor Ridge at Brookmeade, the outstanding leader in Independent Senior Living in Dutchess County. Our distinguished setting and comfortable lifestyle form the perfect backdrop for Partners in Art. We believe Partners in Art will make a joyful contribution to the pleasant and unique spirit that is Rhinebeck. Five local artists will present their work throughout our Lobby, Great Room, Library and Dining Room. Each exhibit will be displayed for about two months.

Arbor Ridge is delighted to welcome Doris Cultraro as our Keynote Artist. She exemplifies the same heart and passion for seniors and for artistic expression that makes Arbor Ridge such a special place. Doris was our partner in giving birth to this concept and we are thankful for her leadership. Doris will display prints of her stained glass creations and restorations. Partners in Art will also include two artists in this in-augural year who have a direct partnership with Arbor Ridge: Dr Robert Lipgar is one of our first residents. His photographs adorn our community on a regular basis; and his work is the inspiration for the wall-sized mosaic that graces our indoor pool. We couldn’t think of launching a program called Partners in Art without him. Joe Mullins, a landscape artist and art teacher in West Chester County, is the son-in-law of Francis Cummins, another special Arbor Ridge resident. Our other two artists, Joel Weisbrod and Betsy Jacaruso are well known for their passion and skill through-out Dutchess County. What may be less known is their commitment to seniors. Both have partnered with Arbor Ridge in the past and we are grateful for their participa-tion. At the start of each show, the artist will present a lecture about their work as part of the Arbor Ridge Coffee and Culture Series, a monthly event designed to promote the best of the Arts, Music , and Rich History of The Hudson Valley.

The public is welcome to view each of the five shows. Viewing hours will be daily from noon to five, p.m. For information about the next Coffee and Culture, or to re-ceive a brochure about Partners in Art, please call the Marketing Department at 871-1303.

Arbor Ridge at Brookmeade 11 Moutain Laurel Lane

Rhinebeck, NY 12572 www.arborridgeliving.com

4 The ChamberLine

Welcome… NEW MEMBERS

TR Timbers 376 Clinton Hollow Road

Salt Point, NY 12578 845-453-2719

www.trtimbers.com Nia LaBonte

BrookNWood Family Campground

1947 County Route 8 Elizaville, NY 12523

www.brooknwood.com 888-588-8622

Vanessa Leto

Deborah Kemper, Independent

Isagenix Associate

914-204-3304

Durants Party Rentals 1155 Route 9

Wappingers Falls, NY 12590 845-298-7270

www.durantstents.com Barbara Lombardozzi

Gaby’s Café 6423 Montgomery Street, #7

Rhinebeck, NY 12572 845-516-4363

www.gabyscafe.com

The ChamberLine 5

UPCOMING EVENTS Monthly Business Breakfasts

Thursday, April 28th: Joint with Red Hook and Hyde Park Chambers of Commerce at the Anderson

Center for Autism, 7:30 a.m.

Wednesday, May 25th: Northern Dutchess Hospital, 7:30 a.m.

Business After Hours

Wednesday, April 27th: Always There in Kingston, 5:30 - 7:30 p.m., joint with Red Hook Chamber.

Wednesday, May 18th: Board Installation, 5:30 - 7:30 p.m., Gigi Market.

Expos

Saturday, June 4th: RACoC Health & Wellness Expo, Dutchess County Fairgrounds, 1:00—4:00 p.m.

Wednesday, Sept. 28th: Business Expo ~ Red Hook & Rhinebeck Chambers of Commerce,

Thank you to the following businesses for contributing items to the National Park Service meeting

held this week at the Beekman Arms:

Rhinebeck Department Store, Gigi Trattoria, The Looking Glass B&B,

The Old Rhinebeck Aerodrome, Montgomery Row, and Topical Biomedics.

There are more & more opportunities for the Chamber to welcome groups to the area and give out

our members information with welcome packages. Keep watching your email!

Coverage Corner

In the past month since I wrote the previous coverage corner the world has seen one of the greatest hu-

manitarian tragedies of this generation. As I am sure you have guessed I am referring to all of the things that have

and are still going on in Japan. First, I want to say my thoughts and prayers go out everyone affected by the events

there. I am sure that most of us have looked at this sequence of events from many angles. The huge and tragic loss

of life. The massive loss of property and finally, the damage to the economic stability of the country.

I would like to look at it with you from the insurance angle. This is the insurance trifecta or the perfect

storm (in the worst way) from a loss and coverage perspective. Three things happened there: Earthquake,

Tsunami, Nuclear Meltdown. One of those things can be covered pretty well, one can be covered somewhat and

one cannot be covered at all.

I will start with the one that cannot be covered at all, nuclear hazard. This is one of the main exclusions

from all property insurance policies, both personal and commercial. This exclusion reads: "Nuclear Hazard"

means any nuclear reaction, radiation, or radioactive contamination, all whether controlled or uncontrolled or

however caused, or any consequence of any of these. As you can see from that excerpt from a property insurance

form there is no ambiguity with regard to coverage. If there was a meltdown for any reason we all would be with-

out coverage.

Second, I will address the portion of the situation that might be covered if you had purchased the correct

policy. That’s the Tsunami. More than likely the Tsunami would be classified as a flood and if you had a flood

policy then it should respond to the extent the policy would allow. We all saw the videos of the houses floating

down the streets after the wave hit and unfortunately it is not the intent of a flood policy to replace your house

when it washes away. All flood insurance is written through the Federal Government by insurance companies so it

is really a government program of indemnity not an insurance policy. Without getting into too much detail most of

the homes around here would only have coverage for the major systems of the home (furnace, hot water heater,

washer, dryer etc.) not for the home itself if it was washed away. That is because most of the homes around here

have a portion of the living area below grade, this disallows for structure coverage and allows for only systems

coverage. Flood is really an entire article on its own. Just remember the take away here is flood coverage is not

what you think.

Third, is the Earthquake portion and I am relatively certain that I will surprise most of you by saying you do

not have this coverage now but you can get it. Here is the exclusion that is in most all of our policies:

Earthquake, including land shock waves or tremors before, during or after a volcanic eruption

I have reviewed the endorsement offered by one of our carriers and the buyback for this coverage reads just like

this exclusions reads:

We insure for direct physical loss to property covered under Section 1 caused by earthquake,

including land shock waves or tremors before, during or after a volcanic eruption. So as you can see an earthquake can be covered in full by most property policies with the correct endorsements.

This situation while tragic gives us a good opportunity to reflect on our own insurance and think about whether

we would’ve been covered the way we would’ve expected to be or not.

Thank you for reading and participating and remember ―don’t be cornered by your coverage.‖

This column is strictly for general insurance information please consult your local agent for the specifics

of your insurance program.

Addam Rakow, CIC

Fraleigh and Rakow, Inc

arakow@fraleighandrakow.com

For past articles visit: www.fraleighandrakow.com/coveragecorner.htm

The Business Breakfast at Taconic Retreat &

Conference Center on March 23, sponosored by

Time Warner Cable.

Board of Directors

Officers

President

Bruce Troy Burnett White Funeral

Homes

1st Vice President

Vicki Haak, CFP Ameriprise Financial

Services

2nd Vice President

Sean Kemp McCabe & Mack LLP

Treasurer

Marybeth Cale Palmiter Benefits Grp

Cale Consulting LLC

Secretary

Robert Babirad Hudson Valley Federal

Credit Union

Directors

George Banta Board Member-atLarge The Beekman Arms

Josh Burckhard Rhinebeck Chiropractic

James Chapman The Rhinecliff

Terri Ferris Rhinebeck Savings Bank

Robert Grems Dutchess County

Fairgrounds

Jesse Hewitt Northern Dutchess

Hospital

Thomas Jozefowicz Williams Lumber

Tina Keil Bella Fiori

Mike Madigan Rhinebeck Eye Care

Kevin O’Connor The UPS Store

Executive Director

Colleen Cruikshank

PO Box 42 23F East Market Street Rhinebeck, NY 12572 845.876.5904

www.rhinebeckchamber.com

March 15, 2011

Dear Friends,

Health and wellness. Something our culture seems to be obsessed with – but let’s face it – how

many of us really take the time to use our resources to promote wellness in our community?

The time is now. Let’s come together as a Chamber of Commerce who values healthy living and

give our region something to talk about.

On Saturday, June 4th, in conjunction with the American Cancer Society Relay for Life, the

Rhinebeck Area Chamber of Commerce will be hosting its first-ever Health and Wellness For

Life Expo at the Dutchess County Fairgrounds. Our goal is to give attendees a few hours to

meet with professionals in our area who can help them get healthy!

We are going ―big‖ with this and want you involved! We are pleased to feature Joy Bauer, the

nutrition and health editor for the TODAY show and a New York Times best-selling author.

The event will also include interactive tools, demonstrations, presentations and in-person con-

sults aimed at engaging our community in better living.

We encourage you to participate as a supporter! By organizing this event to complement the

Relay for Life, we expect tremendous visibility for all of you who become our official sponsors.

Our publicity campaign is already underway – and we ask you to trust us - you want your com-

pany name included on the masthead of this premier event. The event is included on the

200,000 Dutchess County Fairgrounds Calendar of Events distributed all over the Hudson Val-

ley and on their website, www.dutchessfair.com.

See the enclosed sponsorship/participation form and make your investment today to be included

on printed materials and all other publicity. Be part of the wellness movement for Northern

Dutchess County, no matter what your business offers!

In the meantime, enjoy the onset of spring.

Warm regards,

Josh Burckhard Mike Madigan

Josh Burckhard Mike Madigan

Event Co-Chair Event Co-Chair

Health & Wellness For Life Expo Saturday, June 4, 2011

Dutchess County Fairgrounds, Building E 1:00-4:00 p.m.

*Featuring Joy Bauer, Today Show health & nutrition editor and New York Times best-selling author*

Sponsorship Opportunities Gold $500 Double exhibitor space in prominent location, includes 8x10 booth, draped back & sides, table, table linen, two chairs, wastebasket and printed vendor sign • seminar time • recognition on all promotional and publicity materials. Silver $300 Prominent exhibitor space, includes Includes: 8x10 booth, draped back & sides, table, table linen, two chairs, wastebasket and printed vendor sign • recognition on all promotional and publicity materials. Exhibitor Space $250 Includes: 8x10 booth, draped back & sides, table, table linen, two chairs,

wastebasket and printed vendor sign

Special offer of $150 for RACoC members with payment prior to April 20, 2011 ______________________________________________________________________________________

Please reserve:

__________Gold Sponsorship __________Silver Sponsorship __________Exhibitor Space

Business Name______________________________________ Primary Contact_____________________

E-mail___________________ Phone________________

Do you need access to electricity? YES NO $25 extra charge

Do you need access to internet? YES NO

I have a door prize to contribute. YES NO Description_____________________________________

Pay by: Check, Am Ex, Discover, M/C, VISA Payment must be received by May 4, 2011

CC No. ____________________________ Exp. Date ________ 3 digit (AmEx is 4) Security Code _____

Checks made payable to Rhinebeck Area Chamber of Commerce.

PO Box 42 23F East Market Street Rhinebeck, NY 12572 845.876.5904

www.rhinebeckchamber.com