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Buffalo-themed Gift Ideas for the Foodies on Your List

Buffalo-themed Gift Ideas for the Foodies on Your List

Provided by Buffalo Bites Food Tours

One thing you’ll always hear about Buffalo — from residents and visitors alike — is what an amazing selection of restaurants we have! While that is surely something to be proud of, the entire Western New York region is also becoming well-known for its incredibly fresh produce, locally produced food products, brewing and distilling industries, and a handful of amazing wine trails.

Mix in a growing nationwide trend to shop small and local, and you have a lot of tasty options for the food junkies on your holiday list. Whether conducting our Buffalo Bites Food Tours or just exploring our community, we’re always on the lookout for unique and tasty culinary gifts. Following are just a few of our favorites.

Periodic Review of Your Estate Plan

An estate plan should be reviewed periodically, especially after a major life event. Here are some ideas about when to review your estate plan and some things to review when you do.

An estate plan is a map that explains how you want your personal and financial affairs to be handled in the event of your incapacity or death. It allows you to control what happens to your property if you die or become incapacitated. An estate plan should be reviewed periodically.

When should you review your estate plan?

Although there's no hard-and-fast rule about when you should review your estate plan, the following suggestions may be of some help:

Give Your Retirement Plan an Annual Checkup

Financial professionals typically recommend that you review your employer-sponsored retirement savings plan annually and when major life changes occur. If you haven't revisited your plan yet in 2015, the end of the year may be an ideal time to do so.

Reexamine your risk tolerance

This past year saw moments that would try even the most resilient investor's resolve. When you hear media reports about stock market volatility, is your immediate reaction to consider selling some of the stock investments in your plan? If that's the case, you might begin your annual review by reexamining your risk tolerance.

When a Saver Marries a Spender, Every Penny Counts

If you're a penny pincher but your spouse is penny wise and pound foolish, money arguments may frequently erupt. Couples who have opposite philosophies regarding saving and spending often have trouble finding common ground. Thinking of yourselves as two sides of the same coin may help you appreciate your financial differences.

Heads or tails, saver or spender

If you're a saver, you love having money in the bank, investing in your future, and saving for a rainy day. You probably hate credit card debt and spend money cautiously. Your spender spouse may seem impulsive, prompting you to think, "Don't you care about our future?" But you may come across as controlling or miserly to your spouse who thinks, "Just for once, can't you loosen up? We really need some things!"

Understanding Form 1095-C, Employer-Provided Health Insurance Offer and Coverage

Employers with 50 or more full-time employees, including full-time equivalent employees, in the previous year use Form 1095-C, Employer-Provided Health Insurance Offer and Coverage, to report the information required about offers of health coverage and enrollment in health coverage for their employees. Form 1095-C is used to report information about each employee.

Employers that offer employer-sponsored self-insured coverage also use Form 1095-C to report information to the IRS and to employees about individuals who have minimum essential coverage under the employer plan and therefore are not liable for the individual shared responsibility payment for the months that they are covered under the plan. An employer must furnish a Form 1095-C to each of its full-time employees by January 31 of the year following the year to which the Form 1095-C relates.

Daemen Launches New Certificate in Executive Leadership

Daemen Launches New Certificate in Executive Leadership

AMHERST, N.Y. – Daemen College will launch in January a new advanced certificate program in executive leadership and change (ELC), which is designed to prepare working professionals for leadership positions in business, health professions, higher education, and nonprofit organizations.

“This new advanced certificate program will offer students a great opportunity to develop essential leadership skills and build competencies in areas that will be beneficial to career advancement,” said Dr. John S. Frederick, executive director of the Daemen Center for Executive Leadership and Change. “With this advanced training, students will be better positioned to take on leadership roles and be more marketable in the workplace.”

Employer Shared Responsibility Payment

How Coverage You Offer (or Don’t Offer) May Mean an Employer Shared Responsibility Payment for Your Organization

Under the Affordable Care Act, certain employers, based on workforce size – called applicable large employers – are subject to the employer shared responsibility provisions. The vast majority of employers fall below the workforce size threshold and, therefore, are not subject to the employer shared responsibility provisions.

If you are an employer that is subject to the employer shared responsibility provisions, you may choose either to offer affordable minimum essential coverage that provides minimum value to your full-time employees and their dependents, or to potentially owe an employer shared responsibility payment to the IRS. Many employers already offer coverage that is sufficient to avoid owing a payment.