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Special Report

Bonds are boring but can be a secure bet in uncertain times

I’ve said it before: No one likes bonds. They’re boring, they don’t have much opportunity to appreciate in value, they can be rather complicated and their income is generally subject to unfavorable tax rates. Yes, there is a subset of ...

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Regulations continue to be both burdensome, costly

The regulatory paperwork at community banks continues to increase as 2014 dawns, and it will increase even more as the rest of the new playbook is implemented, bankers say. Asked if he sees the end of the tunnel that is ...

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Dismissed sleep struggles result in long-term symptoms

Thomas Edison dismissed sleep as a colossal waste of time, and it turns out some men still agree. Yet recent research shows that not getting your Z’s means far more than just being grouchy or scattered during the day. Obstructive ...

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Gyms work to meet needs with intense workout regimes

By Men around the Rochester area are trying to stay fit even when hectic business and social schedules limit the time they have to work up a sweat. “Everyone is feeling the pinch to do more with less time,” says ...

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Many men postpone seeing the doctor, being proactive

Though men die an average of seven years earlier than women, men are still much less likely to take an active role in improving those odds. This disparity is alarming, medical experts say. Scores of studies show that men are ...

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Small businesses get smart with workforce development

Whether it means encouraging mentorship, giving stretch assignments or setting cross-training goals, small businesses do not need to break the bank to offer employees career development opportunities. An approach combining in-house activities with the low-cost workforce training offered at numerous ...

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Institutions expand recruiting reach to attract more students

Rochester-area colleges often look far beyond Monroe County for new students. The numbers of freshmen who come from outside the Rochester region to attend local institutions of higher learning vary, but recruiting officers expect them to increase in the coming ...

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Online videos take off, grow as critical touch point

Online videos play an important role in marketing and communications firms’ strategies, and that role is growing. “Video is probably the fastest-growing marketing communications touch point,” says William Murtha, president and CEO of Roberts Communications Inc. Once found mainly on ...

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Investment in social media calls for patience, commitment

With the onset of a new year, social media marketing motors on. The fluidity and speed of change of the medium, however, leaves many firms wondering where to invest their time, energy and money. Use of social media, though still ...

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Affiliate marketing helps small firms increase sales

With the rising cost of pay-per-click advertising, some small businesses have turned to affiliate marketing as a way to increase sales and brand awareness. Yet this form of performance-based marketing does not run on autopilot, given that black-hat hackers can ...

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Coping with retirement realities demands new outlook

In talking about his retirement from ICS Telecom Inc., I.C. Shah does not mince words. “I hate it,” he says. He is not alone. Leaving a job or career can leave a gaping hole in a person’s life, even when ...

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Fixed-income options undergo scrutiny in low-interest market

Conventional financial planning for retirees used to mean keeping savings safe in vehicles such as bonds, money market funds and certificates of deposit. But with interest rates on those options down to zero in many cases, that strategy will not ...

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Facilities make moves to adjust to older, active residents

The average age of new and current residents at Rochester-area independent living communities has risen in recent years, prompting senior-living administrators to adjust some amenities and services. The days of seniors touring and relocating to the communities when they reach ...

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Type, size of debt dictate creditors’ fate in bankruptcies

A business’s bankruptcy declaration can help its creditors make the best of a bad situation. But how well a creditor fares depends on the type and size of the debt involved, the cost of pursuing a claim and other factors. ...

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Upcoming changes prompt careful review, scrutiny

Various changes coming in the law and tax code during 2014 prompted many businesses to seek legal and accounting advice months ago, but some firms still may need guidance for provisions that do not go into effect until midyear or have expired but will likely be reinstated.

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