Otc summer 2013

COMPLIMENTARY • SUMMER 2013

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Several years ago, a young man unexpectedlypassed away after a tragic accident. It trulysent the family into not only an emotionaltizzy, but many questions arose about his“estate”. He had recently built and

mortgaged a home with his fiancée. They had not married before hispassing. The land they had built on was originally his for many years priorto meeting his fiancée. His fiancée had sold her home to use her proceedsas capital toward the building project. While their finances were very muchintertwined, there was no legal relationship between the two of themrecognized by the State of New York at the time he passed away.Luckily, they were both now on the deed and the mortgage. Prior to thebuilding project, the young man had executed a deed to himself and hisfiancée as “joint tenants with the right of survivorship”. That meant thehouse automatically passed title to his fiancée without needing to gothrough probate in the Surrogate's Court. So, the real property was all set,but that left other questions. He had recently revised his life insurance anddeath benefits to name his fiancée as beneficiary. Those polices thenautomatically passed to his fiancée without the need for probate. Therefore,all that was left to take care of was personal property.The deceased young man had accumulated many “toys” in his young adultlife: boat, race car, highly encumbered (debt) truck, snowmobiles, trailer,tools, guns, etc. All of that personal property was part of his estate. Legallyspeaking, since there was no will, distribution of his property should havebeen governed by the laws of the State of New York.Intestacy is when a person dies without a valid Will. The New York State lawsets forth the order in which to follow to distribute that decedent's (theperson who passed away) property that which was owned by the decedentindividually at the time of death. Following is the portion of the intestacylaws of NYS that defines the order in which such property shall bedistributed:

Estates, Powers, and Trusts Law 4-1.1EPTL 4-1.1: Descent and distribution of a decedent's estateEPTL 4-1.1Descent and distribution of a decedent's estateThe property of a decedent not disposed of by will shall be distributed

as provided in this section. In computing said distribution, debts,administration expenses and reasonable funeral expenses shall bededucted but all estate taxes shall be disregarded, except that nothingcontained herein relieves a distributee from contributing to all such taxesthe amounts apportioned against him or her under 2-1.8. Distribution shallthen be as follows:

(a) If a decedent is survived by:(1) A spouse and issue, fifty thousand dollars and one-half of the

residue to the spouse, and the balance thereof to the issue byrepresentation.

(2) A spouse and no issue, the whole to the spouse.(3) Issue and no spouse, the whole to the issue, by representation.(4) One or both parents, and no spouse and no issue, the whole to the

surviving parent or parents.(5) Issue of parents, and no spouse, issue or parent, the whole to the

issue of the parents, by representation.(6) One or more grandparents or the issue of grandparents (as

hereinafter defined), and no spouse, issue, parent or issue of parents, one-half to the surviving paternal grandparent or grandparents, or if neither ofthem survives the decedent, to their issue, by representation, and theother one-half to the surviving maternal grandparent or grandparents, orif neither of them survives the decedent, to their issue, by representation;provided that if the decedent was not survived by a grandparent orgrandparents on one side or by the issue of such grandparents, the wholeto the surviving grandparent or grandparents on the other side, or ifneither of them survives the decedent, to their issue, by representation, inthe same manner as the one-half. For the purposes of this subparagraph,

issue of grandparents shall not include issue more remote thangrandchildren of such grandparents.

(7) Great-grandchildren of grandparents, and no spouse, issue, parent,issue of parents, grandparent, children of grandparents or grandchildrenof grandparents, one-half to the great-grandchildren of the paternalgrandparents, per capita, and the other one-half to the great-grandchildren of the maternal grandparents, per capita; provided that ifthe decedent was not survived by great-grandchildren of grandparents onone side, the whole to the great-grandchildren of grandparents on theother side, in the same manner as the one-half.

(b) For all purposes of this section, decedent`s relatives of the halfblood shall be treated as if they were relatives of the whole blood.

(c) Distributees of the decedent, conceived before his or her death butborn alive thereafter, take as if they were born in his or her lifetime.

(d) The right of an adopted child to take a distributive share and theright of succession to the estate of an adopted child continue as providedin the domestic relations law.

(e) A distributive share passing to a surviving spouse under thissection is in lieu of any right of dower to which such spouse may beentitled.In this young man's case, since he had not married his fiancée, and he hadno children (“issue”), his surviving parents stood to inherit all of their son'spersonal property. Of course, that brought up a whole slew of emotions forthe parents who just survived their child, who left a fiancée in a newly builtand mortgaged residence.What was fair? What would this young man havereally wanted to happen to his things? Would he have wanted his family tohave these things, maybe his friends, or fiancée? Who was responsible tosort this out?I give you this example to urge you to review your estate planning, whetheryou have one asset or millions of dollars' worth of assets, so that you willnot leave it for your grieving family members to try to guess at what youwould have wanted. This young man's family still grieves today over notknowing whether they did the right thing. It would be my hope that youwould take the simple steps immediately to fulfilling a Last Will andTestament and preparing for the inevitable, whether it happens tomorrowor eighty-years from now.It should be noted, many people believe they can just leave a letter ofinstruction, leave a video, or find a cheap way online to create a Will.BEWARE, NYS law requires that a Last Will and Testament be a writtendocument, executed and witnessed in the proper legal fashion. It is highlyrecommended that you seek legal counsel to assist you in properlypreparing and executing a valid Last Will and Testament that will beaccepted for probate. Otherwise, an improperly executed Last Will andTestament, or a letter of instruction, will be rejected as if you never left yourwishes at all, and likely could, dependent on your circumstances, subjectyour estate to the intestacy laws of New York State which could be highlycontrary to what you had intended.A Last Will and Testament can be simple or as intricately detailed as youwish. Please seek counsel regarding your wishes and how to properlyaccount for distribution of your assets after your passing. Your Will is adocument that can be revoked or amended in the future as yourcircumstances change and should be reviewed as time passes. This is yourlegacy; don't let time get in the way of leaving this important document ofyour wishes for your family or loved ones.DISCLAIMER: This is not attorney advertising. This is solely a snap-shot of issuesrevolving around intestacy and is not meant to be comprehensive. Nothing herein is legaladvice or establishes an attorney-client relationship. All readers are encouraged to seeklegal counsel regarding their own estate planning needs.

Katherine L. Hentnik, Esq.Associate at PERSING & O'LEARY, LLP

10 Century Hill Drive, Ste 3, Latham, NY 12110(518) 860-1444 x11

WHY AND WHEN SHOULD I MAKE A LAST WILL AND TESTAMENT?

SUMMERTIME! Summertime is here… sunshineand great times with friends…

scrap and junk removal. Okay so Haiku is not our strong point, but we'reworking on it - when we aren't busy working for you! (Editor's Note: EddieHaskell helped us with that last line).

Summer is perfect for relaxing and taking some much needed vacations,but before you get too comfortable… it is also a good time to clean uparound your home or office to make way it safer for grilling, swimming inthe pool, sipping a cold beverage of choice or just hanging aroundcatching some rays with friends without having to worry about anythingelse.

A lot of our customers have been calling us up for assistance with cleaningout garages and basements as they start bringing up the coolers andsetting up the lawn furniture. All this rain has really helped the grass growand people are discovering that their old mower just isn't cutting itanymore (wow, some puns just write themselves). And what is worse thanfinally bringing some nice steaks out to the deck only to find the micehave turned your grill into another Motel Stinks? Maybe it is also a goodtime to get rid of that leaning trampoline in the backyard, I mean, the kidshave been in college for 2 years now. This way you will be able to see yourgarden again while you sip your morning coffee, instead of havingflashbacks of watching your kids smack their heads together trying toattempt a side twisting reverse double pike with full tuck at the sametime.

We can help! Scrapster is the Capital Region's premier NO COST scrapmetal and appliance pick up and recycling service. Additionally we are aNew York State DEC approved location for business or personal computer,monitor, TV, printer (and cartridges), and all other types of electronicsrecycling.

We also offer LOW COST junk removal, television removal and clean outs.We are convenient, reliable and insured. Everything is properly recycled,disposed of or donated. Scrapster will remove the items from exactlywhere they are located-you don't need to do a thing. “Don't Worry…WeCan Take It!”SM

Vincent Coppola, Owner of Scrapster Scrap Metal Removal/Recycling ServicePlease call us anytime at (518) 505-5055.

Please also visit our website at www.scrapster.com for news, tips and information about recycling.



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Purchase One Entrée and Receive One50% Off Dinner on your Birthday.

With this coupon.Expires 8/31/13

50% off entrée must be of equal or lesser value than other entréepurchased. Valid on parties of two or more. Actual date of birthday only.

Does not include private parties. Main dining room only.Proper ID required. Not valid with any other offers.

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Periodontal disease is as much, if not more, of a problem in our pets thanit is for humans. It all starts when bacteria collects after eating a meal.Within 24 hours, this becomes plaque, which is easily removed bybrushing. If it remains on the tooth, it becomes a hard, calcified substanceknown as tartar. This tartar can build on on the tooth and under the gumline causing periodontal disease. Pain, swelling and bleeding gums are allsome of the symptoms. There are even recent studies making a linkbetween gum disease and heart disease.

As pet owners, we are all looking to improve and maintain the health ofour pets. Here are some things you can do to prevent tartar build up inyour pet. First, avoid foods and treats filled with carbohydrates andsugars. Our pets don't need them in their diets. Second, use a gel, sprayor water additive that softens the plaque. There are many on the marketthat are very effective. After using one of these products, feed your petraw, meaty bones. The bones are hard enough to scrape away thesoftened plaque and contain no carbohydrates or sugars. Just make sureto use raw bones, as cooked bones can splinter are dangerous to consume.If you are concerned about bacteria, you can always feed them outside, ina crate or in a contained area. It has the added benefit of hours ofchewing fun!

1082 Rte 9 • Latham518-783-5117 • www.pinkdogparlor.com


Dear Customer,Here is a quote for your boat.A personal umbrella might also be a good idea just in case of anaccident, the umbrella would extend to your home and auto as well.

Steve,I am not sure I get it. Forgive me for not knowing the difference… whywould I need an “umbrella” policy on the boat if I can get $113 dollarinsurance coverage on it?Dear Customer,Example #1: Let's say your wife is distracted while driving the Escaladebecause the kids are yelling on the way to soccer practice. She turns around(no longer looking at the road) to tell them to behave, this causes her not tosee the traffic light ahead turn yellow then red. While running a red light shesideswipes a Honda Civic killing 3 teenagers who were crossing the intersectionlegally.Without an umbrella policy the insurance company will pony up $300,000 inlegal defense and settlement to the teen's parents, the limit of your auto policy;you will be on the hook for all additional settlement money required.With an umbrella when the auto policy is exhausted the umbrella kicks ingiving you an additional $1,000,000 in coverage to help pay any expensesrelated to the claim.Example #2: While burning bees out of the old stump on your property usinggasoline. You pour more gasoline on the stump because the fire looks like itwent out. You get a big surprise when as you are pouring the gas on the stumpthe second time as it flairs up. Instinctively you throw the gas can in hopes ofnot getting burned. The gas can fly's 20 feet and hits your neighbor's 8 yearold son; soaking his clothes in burning gas. This kid just 10 seconds earlierthought you were a genius. The neighbor kid spends the rest of his life getting

skin grafts as he grows and is disfigured by the burns to his neck face and chest.The umbrella will pay in addition to your home owner's liability policy to helpthe child try to live a normal life.Example #3: While out boating on Saratoga Lake your kids decide they wantto go tubing with their friends and you are the driver. At first you say nobecause you're a little tired from baking in the sun all day. The boat has beenparked for hours in that sandy bay area where everybody wades around fromboat to boat socializing. The kids keep asking and asking and asking, finallyyou think what the heck a quick lap around the lake and they will leave youalone. Your wife climbs on your friends boat because going around in circlesmakes her sick. But lucky for you your buddy is willing to spot the kids anddecides to ride along. Great! You get everything set to go; cruise out to themiddle of the lake, a nice safe spot to flip those little swamp rats with the wake.You get the kids in the tube and hit the throttle. While making circles you loseyour balance because you are dehydrated and fall overboard. Your buddy doesnot hear you yelling because the outboard motor is whining at 4000rpm andanyway he is laughing his butt off as the kids are flying at brake neck speedthrough the wake. You watch as the boat heads into the sandy bay runningover waders and hurtling your buddy out of the boat as it hits the flotilla ofsocial boaters. The State police are pulling the last of the mangled waders outof the water just as you finally make it back; swimming from the middle of thelake. Thankfully you were convinced to buy the umbrella policy by the first 2examples and are properly insured for incidents just like this one.Now you know,Steve

The Lyden Group LLC • Insurance Agency282 Ushers Road • Clifton Park

(518) 877-7018 • [email protected]

I am often asked insurance questions in the course of protecting clients here is one example: via e-mail.WHY WOULD I NEED AN “UMBRELLA POLICY”?

HEALTH INSURANCE CORNERLong gone are the days in the health insuranceindustry where you have “down-time”. Summertime used to be the slowest time of the yearbecause it was months after as well as monthsbefore the hustle & bustle of January open

enrollments. So it was a time when health insurance people could catch upon things they had to set aside because they were too busy, and July wasalways a great time to take a week off and relax by the shore to re-energize!! These days however there is NO down-time, it's just onecontinuous crazy-busy time and if I take any time at the shore, you can besure that my computer will be with me!! Fortunately for me I love it (butunfortunately for me, my husband doesn't!)As The Affordable Healthcare Act gets closer to it's initiation date of January1, 2014, there is much more to learn and much more for me to explain tomy clients all of who are very anxious about this new process, as I am suremany of you are as well. So please stay tuned to OUR TOWNE for updateseach month.This month I wanted to touch on penalties because this is something brandnew for all of us and it's very confusing! I am here to help anyone in anyway that I can, so if you have questions please feel free to call me. But hereis the lowdown on penalties.For small groups (2-50 employees) there are no penalties imposed forcompanies not offering health insurance. Small employer groups are notrequired to offer health insurance in the upcoming year.For large groups (51+) they must offer health insurance to their full timeemployees, and it must be “affordable”. This means that the employeescontribution to the premium cannot exceed 9.5% of their earnings. It isbroken down by 2 different penalties, 1) For the employer who does notoffer coverage at all to their full time employees, the penalty to theemployer could be $2000 per full time employee (minus the first 30 whichare waived). 2) For the employer who offers coverage, but it is notaffordable or does not meet the guidelines, the penalty could be $3000 peremployee that accesses the exchange.For individuals for 2014, the penalty is $95 individual adult, $47.50 per childand up to $285 for a family. In 2015 it will increase to $325 per adult,$162.50 per child and up to $975 per family. In 2016 it will increase to $695per adult, $347.50 per child and up to $2085 per family.Everyone is going to need help with this as this is a whole new world for allof us. Next month I will talk more about the Exchange itself. Hold on tight,its going to be a bumpy ride!Kleeber Insurance Services, established in 1851, is a subsidiary of Kinderhook Bank Corporation.

Candy Marrero (518) 929-1506 • Kleeber Insurance Services Columbia Turnpike, East Greenbush


KLEEBER INSURANCE SERVICESCan provide you with

Affordable Health Insurance Optionswhile increasing your employee benefits!!!

Our agency is small on purpose… we want toprovide the best possible and most personable

customer service around… and WE DO.

Please contact us for information,education or to request a quote.

Candy MarreroEmail: [email protected]

Cell: (518) 929-1506Office: (518) 758-7123 x22

ARE YOUR HEALTH INSURANCERATES TOO HIGH?

PROFESSIONALNETWORKING GROUP

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professionals• Acquiring New Referral Sources• Promoting Your Business in a professional

but comfortable settingIf so, please consider joining a networking group.We currently have 3 breakfast groups.

Candy Marrero (518) 929-1506www.professionalnetworkinggroup4u.com


SATURDAY, AUGUST 10 • Library Photography Contest Reception and AwardsPresentation- Awards will be presented at this reception featuring the topphotographs from this year's contest. The photograph exhibit will be ondisplay in the Stedman Room through August 31.The reception begins at 1PM.

TUESDAY, AUGUST 13 • Lyme Disease Prevention- Lyme disease is a bacterialinfection caused by the bite of an infected deer tick. Lyme disease iswidespread in the Capital Region, so it is important to understand preventiontechniques to reduce your risk of infection. You will learn about how Lymedisease is transmitted, where you can be exposed to ticks and how to properlyremove a tick.Presented by the Albany County Department of Health. 6:30 PM.

WEDNESDAY, AUGUST 14 • The Affordable Care Act and My Small Business-Learn how the ACA (a/k/a Obamacare) will impact your business, from themandates, new taxes, new health insurance coverage options, and tax creditsmeant to keep your business growing and profitable. Gain peace of mind fromasking questions of the panel of experts. Sponsored by the Small BusinessDevelopment Center at the University of Albany.Reservations are required; callthe Information Desk at 810-0314. (This program will be repeated on Tuesday,August 27, at 9:30 AM.) 6PM.

WEDNESDAY, AUGUST 28 • Kaplan SAT/PSAT/ACT Practice Test- A practice testis one of the best ways to get ready for the real thing. You will know exactlywhat to expect on test day, get a complete analysis of your results and learnexclusive strategies to improve your score. Students are invited to take a freePSAT or SAT/ACT combo practice test. Reservations are required; call theInformation Desk at 810-0314. At 10AM.

WEDNESDAY, AUGUST 28 • Self-Publishing Workshop- Whether you're lookingto share collected stories and photos from your family's history or your ownmemoir, the Troy Book Makers can help you create keepsake editions to sharewith friends, family, and the world. Join Jessika, manager of the Troy BookMakers, to find out the basics of preparing a manuscript, how to get yourshoebox of photos or recipe cards ready for reproduction, and what it takes tomake your personal memorabilia into a compelling keepsake for generationsto come. Reservations are required; call the Information Desk at 810-0314. At6PM.

PROGRAM LISTING FOR THE MONTH OF AUGUST

629 Albany-Shaker Road Loudonville (518) 458.9274www.colonie.org/LIBRARY

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Joe Navarra - Owner l Mobile 518.301.3380 l [email protected]/Showroom: 3 McElwain Avenue Cohoes l 518.274.4400

SUSTAINABILITY FOR THEEARTH AND FOR YOUR HEALTH

Earth Day, April 22nd, is a day set aside each year to promote a sustainablehealthy planet. A sustainable plan is the only way to ensure we never runout of clean water, fresh food, or a peaceful place to live. A healthier planetbenefits everyone and it's up to everyone to reduce, reuse and recycle. Thisis also the perfect time to think about sustainable health for you. Have yourepeatedly lost and gained weight? Do you feel the stress of yo-yo dieting?Do you feel the misery of carrying excess weight? Sustainable weight lossIS possible with hypnosis. It's fun, easy and best of all its sustainable! Justask Candace Richter who lost 58 pounds with hypnosis and has kept it offfor over 6 years. Many people find that the changes they make throughhypnosis bring about good health that is easily sustainable for the rest oftheir life.

Our program covers emotional eating, eating the foods that are right foryou, exercise motivation and other fundamentals necessary for sustainablehealthy weight loss. With hypnosis you can easily change behaviors orunwanted habits, balance stress responses, release negative emotions (suchas anger, sadness, fear, guilt, etc.), and help create a more positive self-image. You will love eating healthy foods in the proper amount, drinkingenough water, and consistently moving your body to strengthen and build

muscle. With hypnosis, this process is fun, easy tomaintain, and therefore creates sustainable weightloss.

So as you are celebrating Earth Day and doing yourpart to care for the earth, don't forget to take care ofyour health as well. We only get one earth and youonly get one body. Take care of both! Call for a freescreening and make this Earth Day the day youlaunch your campaign for sustainable health!

Shannon K. Keyes, Certified HypnotistRegistered Yoga Instructor

518-598-6968145 Vly Road #6

Shaker Pine Plaza • Niskayuna


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SHOULD YOU TAKE A PENSION BUYOUT? Have you recently received a pension buyout offer? Ifso, you need to decide if you should take the buyout,which could provide you with a potentially large lumpsum, or continue accepting your regular pensionpayments for the rest of your life. It’s a big decision.Clearly, there’s no “one size fits all” answer - your

choice needs to be based on your individual circumstances. So, as you weighyour options, you’ll need to consider a variety of key issues, including thefollowing:

• ESTATE CONSIDERATIONS - Your pension payments generally endwhen you and/or your spouse dies, which means your children will get noneof the money. But if you were to roll the lump sum into an IndividualRetirement Account (IRA), and you don’t exhaust it in your lifetime, youcould still have something to leave to your family members.

• TAXES - If you take the lump sum and roll the funds into your IRA, youcontrol how much you’ll be taxed and when, based on the amounts youchoose to withdraw and the date you begin taking withdrawals. (Keep inmind, though, that you must start taking a designated minimum amount ofwithdrawals from a traditional IRA when you reach age 70?. Withdrawalstaken before age 59? are subject to taxes and penalties.) But if you take apension, you may have less control over your income taxes, which will bebased on your monthly payments.

• INFLATION - You could easily spend two or three decades inretirement - and during that time, inflation can really add up. To cite just oneexample, the average cost of a new car was $7,983 in 1982; 30 years later,that figure is $30,748, according to TrueCar.com. If your pension checksaren’t indexed for inflation, they will lose purchasing power over time. If yourolled over your lump sum into an IRA, however, you could put the moneyinto investments offering growth potential, keeping in mind, of course, thatthere are no guarantees.

• CASH FLOW - If you’re already receiving a monthly pension, andyou’re spending every dollar you receive just to meet your living expenses,you may be better off by keeping your pension payments intact. If you tookthe lump sum and converted it into an IRA, you can withdraw whateveramount you want (as long as you meet the required minimum distributions),but you’ll have to avoid withdrawing so much that you’ll eventually run outof money.

• CONFIDENCE IN FUTURE PENSION PAYMENTS - From time to time,companies are forced to reduce their pension obligations due to unforeseencircumstances. You may want to take this into account as you decidewhether to continue taking your monthly pension payments, but it’s an issueover which you have no control. On the other hand, once your lump sum isin an IRA, you have control over both the quality and diversification of yourinvestment dollars. However, the trade-off is that investing is subject tovarious risks, including loss of principal.Before selecting either the lump sum or the monthly pension payments,weigh all the factors carefully to make sure your decision fits into youroverall financial strategy. With a choice of this importance, you will probablywant to consult with your financial and tax advisors. Ultimately, you mayfind that this type of offer presents you with a great opportunity — so takethe time to consider your options.

Lisa B. Pett, Edward Jones Financial Advisor116 Wolf Road • Albany NY 12205

518-459-2271



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Albany Edit & Video Transfer opened it's doors at 1593 Central Avenue in the Village plaza on April1st of 2001. We offer video transfer, duplication and conversion services to both consumers andprofessionals. We can convert old film reels and nearly ever consumer and professional video formatincluding Blu-Ray, DVD, Beta, DV Tape, VHS, SD-Cards, Hard drive Camcorders and manyothers. We also convert audio tapes & records to CD or MP3’s.

Precious memories make a great gift. We can make photo to video montages with your favoritepictures and music. Other great gifts include putting your wedding videotape on DVD or justbacking up all of your camcorder tapes to DVD. It saves space as well as preserves your preciousfamily memories. All of the services we provide are done on premises that way there is no worryabout your memories getting lost in transit.

College sports video resumes and even video resumes for theater and the arts are a valuable asset forapplying students. Simply bring us your materials and a list of the scenes you want with all of youredit decisions and we’ll bring your production to life. We can supply your video back on DVD oras web video to post to your favorite video sharing site.

This year we celebrate our 12 year anniversary and we've seen a definite shift in the technology fromthe day we opened. As new video formats rise and fall we will provide the services necessary to bridgethe gap to the next format.

Albany Edit & Video Transfer offers fast, professionalservices. We stand by every job that comes through ourdoors and treat your materials with the respect and carefulhandling they deserve.

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As summer arrives, most of us are starting toplan a trip or a vacation. As pet owners we havean important decision to make: Do we take ourpets with us or to we leave them behind athome. More and more of us are deciding to takeour pets with us. Here are 10 tips to maketraveling with your pet go smoothly.

1. ASK FIDO OR FLUFFY IF THEY WANTTO COME.

It is tempting to want to bring your pet with you,but some pets are more comfortable and willenjoy staying home more than going onvacation. If your pet is anxious riding in the car,consider a pet-sitter who will come to your homeand care for your pet in an environment they aremost comfortable with. For other pets going tothe local boarding facility may be moreenjoyable. Today's boarding facilities are notwire cages and concrete floors. Lots of boardingfacilities have planned play sessions and otherphysical activities for their furry guests. They alsoare furnished with comfortable beds and webcameras for you to check in while you're onvacation.

2. GET PERMISSION.Make sure the hotel, campsite, or vacation homewhere you plan to stay allows pets. Ask aboutspecific pet policies. Some hotels don't allowguests to leave their pets in hotel rooms, even ifthey are kept in crates. Others may require aspecial deposit.

3. CONSULT DOC.Does your pet have a medical condition like

epilepsy or heart disease that traveling maymake worse. Does your pet get motion sicknessor very anxious when traveling. Consult withyour veterinarian if medication for motionsickness or a sedative will help make travel foryour pet more enjoyable.

4. PACK FIDO'S AND FLUFFY'S BAG TOO.Make sure to have an ample supply of food andtreats. Be prepared if your trip would beextended a day or two. Make sure to bringbowls, a leash, toys, and a favorite bed or blanketto sleep on. Do not forget to bring water if youare traveling a long distance in a car.

5. HAVE YOUR PAPERS.Make sure that you have all of the necessarydocuments. Always bring proof of rabiesvaccination. An updated rabies certificate isrequired for Fido's admission into mostcampgrounds. Airlines require health certificateissued within 10 days of travel. This requiresexamination by your veterinarian. If you aretraveling out of the country you need to planseveral months ahead. Most internationaltravels require special health certificates issuedby an accredited veterinarian and endorsed bythe USDA. Consult your veterinarian on whatimportant documents you will need early in theplanning the process.

6. TRAVEL SAFE.Keep your pet safe and secure in a crate orcarrier. Make sure that it's large enough for yourpet to stand, sit, and lay down. Traveling withyour pet in a carrier or crate prevents them from

accidently escaping or causing an accident whileyou drive.

7. WATCH THE HEAT.Never leave your pet alone in a parked vehicle.On hot days, even with the windows open, thetemperatures can rise over hundred degrees in afew minutes leading to life threatening heatstroke.

8. BRING THE ID.Make sure your pet has a collar with an ID tag.Consider having your veterinarian place amicrochip in your pet. A microchip permanentlyidentifies your pet and provides valuable contactinformation to reunite you with your pet if theybecome lost.

9. BE PREPARED.Make sure to be prepared for the unexpected.Before you leave, find the closest animalemergency hospital to your vacation destination.Bring a copy of your pet's medical records. Don'tforget any medication your pet may need.

10. PRACTICE.Get your pet ready for a long trip by taking himon several short trips. If your pet is not used toa crate, have him gradually spend increasingtime in the crate before your trip so that he orshe becomes more comfortable in it.

David Sonnekalb D.V.MSand Creek Animal Hospital

446-9171130 Wolf Rd, Albany, NY 12205

This is Bubba!A 7 month Chocolate lab. He is neutered and UTD on his shots. Such a handsome boy! HIsprevious owner was too busy to give him the attention he needed. He is looking for a lovinghome that will exercise him, and also give the discipline so that he knows his boundaries. Heis a puppy of course, but he is doing so well with our training and socialization.

10 TIPS FOR SUMMER TRAVEL WITH PETS

Otc summer 2013

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Transcript of Otc summer 2013