Monday, February 12, 2018

Ryan & Ryan Client of the Month for February 2018






Located on the east side of the Hudson River, in the town of Schodack, 3 miles east of Castleton-on-Hudson and 9 miles from downtown Albany, is Ryan and Ryan’s  Client of the Month for February, Goold Orchards & Brookview Station Winery.  Goold Orchards has been in the Goold family since 1910 with a mission to sell and grow only the highest quality apples and freshest pressed apple cider (certified Kosher).  The farm store and bakery are open year round, and pies can be baked to order during the off-season.  All pies are 10” and are large enough for eight servings.  Choose from a large variety of pie flavor options including Apple, Crumb Top Dutch Apple, Apple Caramel Walnut, Cherry, Blueberry, Harvest Crumb Top Apple Cranberry, Red Raspberry, Peach Praline, Fruits of the Forest, and Pumpkin.  During apple picking  season, a gift catalog with shipping opportunities (excluding California and Arizona)  is also available with a wide assortment of hand picked, hand selected, extra fancy apples to choose from including Cortland, Crispin, Red Delicious, Empire, Fuji, Gala, Ida Red, Macoun, and MacIntosh. You can also place an order of Orchard Selects, which include the best apples of the season or a mixed variety which include two of any type of the apples listed above.


Pick your own apples, raspberries and pumpkins are available when in season.  School tours are also provided during September and October for preschools, daycares, and elementary school age students. Children are able  to see first hand how apples are harvested from the trees and then make it from orchard to the supermarket.  In October, Goold Orchards will host the 30th   Annual Apple Festival, rain or shine, with musical entertainment lined up for both days.  Look for a date to be announced on their website: www.goold.com


Also located at Goold Orchard is Brookview Station Winery, which hosts award winning whites, reds, and dessert wines. Tasting room hours are 9:00 AM – 5:00 PM, 7 days a week. Wine tastings and special events are offered.  Also featured at Brookview Station Winery is ‘Joe-Daddy’s Hard Cider’, produced by Master CIder Maker, “Joe Daddy “ Ciccolella, with fresh pressed apple cider from Goold Orchards..  For further information on special events and dates call 518-732-7495 or 518-732-7317 or email: sue@goold.com; karen@goold.com.

Wednesday, November 29, 2017

Ryan & Ryan Insurance Brokers, Inc. Client of the Month for November 2017






When considering buying a house or a commercial building,  you may contemplate about plentiful cabinet space in the kitchen, an ample bedroom size, or how renovations may improve the space.  If you are selling a home or building, you may daydream about what your next home or your next investment will hold for you.  Surely, you will wonder how much your home or commercial building will be worth. The appraisal process however, may not be something high on your list of considerations. It is certainly not one of the most glamorous parts of buying or selling a residential home or commercial building, and yet if appraisals disappeared tomorrow, the real estate market would come crashing down.  So if you're about to buy or sell a home or commercial building and know little about appraisals, it's time to change that because no credible financial institution will lend you money without an appraisal.

Ryan & Ryan Insurance Brokers’ client of the month for November, Hudson Valley Appraisals, can lend a hand and help to improve your knowledge of the appraisal process. President Mike Bernholz started Hudson Valley Appraisal in 1983.  Mr. Bernholz provides real estate appraisal and appraisal management services for commercial and residential clients. He and his team of appraisers are one of the most sought after in the greater Hudson Valley.  They work with most of the established lenders in the Hudson Valley region of New York and around the country.  Hudson Valley Appraisal specializes in unique and complex property valuations and offers valuable services for homeowners, lenders, attorneys and government entities.  In addition, Hudson Valley Appraisals provides consulting and appraisal services pertaining to conservation easements, eminent domain and condemnation, avigation rights, property damage claims, and tax certiorari proceedings.



For those new to the appraisal process, it lets a bank or lender know what the loan collateral will sell for in a worst-case scenario.  In other words, to go with an extreme example, the bank doesn't want to be stuck with a home or commercial building they lent the borrower a million dollars for but can only sell for $100,000 because that's all it is worth. The buyer shouldn't want that either, of course.  So appraisals exist for good reason, but what can make them a tense time for all parties is that they are conducted after you've negotiated a price, agreed to buy or sell the house and signed the contract. So it's in everyone's best interest that the appraisal is close to the price that both seller and buyer have agreed on.


As an appraisal management company, Hudson Valley Appraisal Management Services provides the services necessary for lenders and mortgage brokers to comply with the Appraiser Independence Requirements. Hudson Valley Appraisal expertise in appraisal management services means clients can be assured that appraisals ordered through Hudson Valley Appraisal will be in compliance with the AIR.


Mr. Bernholz supervises a team of 18 full-time real estate appraisers and 3 full time administrative staffers.  Appraisers who have an average of 20 years’ worth of experience in real estate appraisal in offices in Ulster and Delaware Counties,  knowledgeable personnel is always on hand to receive requests and answer any questions throughout the business day.


In turn, when it comes to his extensive insurance portfolio, Mr. Bernholz’s looks for the expertise and extensive knowledge from Ryan & Ryan Insurance Brokers Inc.  Mr. Bernholz has various government contracts that require proof of insurance. These are always dealt with in an extremely timely manner by the customer service staff at Ryan & Ryan.  Mr. Bernholz states, “There are very few people as responsive and knowledgeable as Bob Ryan.  Bob does what he says he is going to do.”


For more information about Hudson Valley Appraisal Corp. please visit  http://www.hvappraisal.com  

Monday, October 16, 2017

Ryan & Ryan Insurance Brokers Inc. Client of the Month for October






In this month's newsletter, Ryan & Ryan Insurance Brokers Inc. turns the table and provides some PR for a company that specializes in promoting, marketing, and administering communications for others, JMC Marketing, Communications & PR.  JMC is the client of the month for October at Ryan & Ryan Insurance Brokers Inc.  Founded in 1987 by John Mallen, the JMC organization focuses on administering a full range of PR, advertising, and promotion for a variety of clients.  JMC acquires a thorough understanding of their clients’ organizations, business environments, and audiences to develop a strategic, integrated communications and marketing plan that delivers measurable results.  JMC also provides strategic services such as corporate positioning, crisis communications, social media, and creative services such as advertising, newsletters and site development, just to name a few.
John Mallen enlisted Ryan & Ryan Insurance Brokers Inc. as their agent after a claim experience in 2009 which John states changed his outlook on what an insurance agent should provide to their clients.  “You need an insurance agent that understands and that can assist on the purchase side, as well as the claims side.”  After becoming a client of Ryan & Ryan’s, John experienced another claim in which his heating system malfunctioned and sent water through the steam heat system, creating a significant amount of water damage.  This time, Ryan & Ryan assisted in providing excellent service in placing a claim to the insurance company.  John is always happy to be assisted at Ryan & Ryan Insurance Brokers by Kerri Letersky, Kim Whelan, Yvonne Wynkoop, or Amelia Caster.  Everyone is extremely helpful on the Ryan Team and it is even not unusual for John to deal directly with Bob Ryan himself.
JMC Marketing, Communication & PR, provides further services such as media relations, public affairs, special event planning and coordination, speeches and speaker training, dealing in focus groups, executive interviews, database research, and quantitative analysis in several industries such as healthcare, government, economic development, retail, financial and international trade.  To learn more about JMC Communications, Marketing & PR, visit their website at http://www.jmcpr.com. Real Solutions for Real World Issues, JMC Welcomes you to the real world.

Sunday, September 10, 2017

Ryan & Ryan Insurance Brokers Client of the Month for September 2017

R&F Handmade Paints



This month Ryan & Ryan Insurance Brokers introduces one of their most colorful clients, R&F Handmade Paints, a multifaceted paint company that is material focused and art driven.  Visiting R&F Handmade Paints, one is instantaneously drawn to the vivid extensiveness of their handmade paints and the comradery of the community of painters who utilize them.  
R & F Handmade Paints built their impeccable reputation producing and expanding the medium of encaustic paints. Encaustic paint is derived from pigmented beeswax and resin and is worked through the use of heat.  R&F Handmade Paints has been creating these beautiful paints since 1988 and has been based in Kingston since 1995.  In 2006, they bought their current location, 84 Tenbroeck Ave, a 19th-century factory building which was redesigned with multiple avenues in mind. From production to exhibition, their unique site houses R & F Handmade Paints’ store, offices, production facility, gallery, and workshop space.

R&F Handmade Paints has been insured with Ryan & Ryan Insurance Brokers for a little over a year.  According to Account Manager, Lorrie Fredette, “It is not easy work to move your insurance.  In working with Kim Whelan at Ryan & Ryan, we find her knowledge of the industry to be solid.  She is dedicated to representing our best interest, and we consider her part of our R&F team.”  Lorrie goes on to explain that R&F Handmade Paints is a niche company, manufacturing handmade artist paints. “Kim advocates endlessly on our behalf.  She is proactive, assuring us, that we have the best coverage at the best price. Kim has accomplished this through her years in the industry, learning the specifics about our company, and representing our best interests when she speaks with the underwriters about our policy needs. On the rare occasion Kim is not available, we have always been helped by the team of professionals Bob has brought to his agency.”

A visit to the website of R&F Handmade Paints at  rfpaints.com , will mesmerize you.  With information about the company’s history, their extensive online product sales, upcoming novice to advanced workshops, and gallery exhibits of featured artists, R&F Handmade Paints is an interesting Ryan and Ryan Insurance Brokers’ Client of the Month to explore.

Tuesday, June 27, 2017

Ryan & Ryan Insurance Brokers Client of the Month for June 2017




In the Hudson Valley, one commercial real estate firm surpasses all of the rest, Sperry Van Ness Deegan-Collins Commercial Reality or SVNDCCR. Managing directors, Thomas Collins, CCIM, Joseph Deegan, CCIM, and Hans Hardisty have combined their established reputations and expertise in the commercial real estate business to provide superior service under the nationally based real estate company of Sperry Van Ness (SVN).
  Mr. Collins and Mr. Deegan have real estate backgrounds of close to 30 years and experience in appraisal, brokerage, consulting, site selection, development, re-development, mortgage finance, landlord and tenant representation, consulting, and property management services.  Mr. Hardisty started as an advisor with SVNDCCR in 2015 and became the newest managing director in January 2017.  Hans brings to SVNDCCR his wealth of knowledge in the specialization of the purchase and sale of self-storage facilities across the tri-state area.  In addition, he has extensive retail, office, and hospitality experience throughout the Mid-Hudson Region.  In the later half of 2016 and the beginning of 2017, SVNDCCR also introduced John Valis, Frederic Hugue, and Michaela Herman as three new advisors.  Similar to Ryan & Ryan Insurance Brokers’ motto of  putting “Customers First,” SVN advisors have built a solid reputation and continually pride themselves with putting their clients’ interests first. This quality has helped them to become one of the most recognized commercial real estate brands in the world and SVNDCCR the most recognized in the Hudson Valley.
  With SVNDCCR’s roots strongly established in the Hudson Valley, especially in Kingston, New York, it is no coincidence that there is also a strong connection with Ryan & Ryan Insurance Brokers.  Ties between Joe Deegan and Bob Ryan go back to when they were children,  so it is not surprising that Ryan & Ryan Insurance Brokers is SVNDCCR’s  insurance agency of choice.  Friendship aside, Joe states, “Bob is a great resource for insurance questions and where to maximize coverage while minimizing premiums.  Ryan & Ryan Insurance Brokers, handles E&O, BOP, Liability, Auto, Home, Life, Renters, etc.  Bob also has a unique perspective of understanding all you do and a way of making sure there are no gaps in your coverage that you may have otherwise overlooked.”
    SVNDCCR’s main office is located at 411 Washington Ave., Suite 201 in Kingston, New York. They also just celebrated the opening of their new location at 2656 South Road, Suite C in Poughkeepsie, New York on June 23rd.  Visit their website,  www.SVNDCCR.com,  to view their available commercial real estate properties, or contact the SVNDCCR office with any commercial real estate questions at 845-339-9100.