The 2010 Baby AlbumThe 2010 Baby Album518-270-1200 • www.TroyRecord.com • TO SUBSCRIBE CALL: 518-270-1212

20 - Tuesday, February 22, 2011 The Record w w w.troyrecord .com

Logan Alexander Mehan December 7, 2010

Nicole & Kevin Mehan Waterford, NY

Keeghan Francis Thomas August 25, 2010 Joan Conway & Chad Thomas

Troy, NY

Katalina Ann Harlow October 16, 2010

Jaqueline Zeglen & Ed Harlow

Schenectady, NY

Rob O’Sullivan Jr. May 5, 2010

Laura Snow & Robert O’Sullivan

Albany, NY

Connor M. Combs February 25, 2010

Jeff & Jamie Combs Troy, NY

Kailey Ruth Charette March 16, 2010

Meredith & Larry Charette Troy, NY

Miquel Delossantos June 29, 2010

Melissa Snyder & Jessie Delossantos

Troy, NY

Isabella C. Anselment April 16, 2010

Shannon Malcolm & Fredrick Anselment

Troy, NY

Ryan Patrick Smith April 10, 2010

Kristy & Ross Smith Troy, NY

Dylan Bearelly Cooney November 1, 2010

Michael & Srilaxmi Cooney New York, NY

Jackson Hayes February 4, 2010

Stacia & Jack Hayes Wynantskill, NY

Shea Robert Powers August 23, 2010

Angela & Scott Powers Natick, MA

Brody Kace Horton November 19, 2010

Steve & Kelly Horton Troy, NY

Olivia Grace Montellese July 15, 2010

Dr. Dan & Alyssa Montellese Stony Brook, NY

Jason Paul Buckley January 18, 2010

Dan & Mackenzie Buckley Melrose, NY

Aryianna Brooke Collins May 4, 2010

Kimberly Verklas & Justin Collins

Cohoes, NY

Nathan Jeffrey Pasinello May 3, 2010

Sarah Cole & Jeff Pasinello Waterford, NY

Jane Catherine Degnan March 12, 2010

Courtney & Bryan Troy, NY

Liam Joseph Camenga September 22, 2010

Emily & Devon Troy, NY

Molleigh Sue Powers September 22, 2010 Lauren Bentley &

Patrick Powers Cohoes, NY

Emma Catherine Leyhane August 12, 2010 Kevin & Carrie

Loudonville, NY

baby album 2011Financial 'baby steps' for expecting, new parents

(ARA) — While today'seconomy continues to putextra stress on mostAmericans' wallets, thosepreparing to welcome a newchild into the family experi-ence the added pressure of awhole new set of expenses. From diapers to baby furni-

ture and day care, costs fornew parents mount quickly.For some, the reality of theseexpenses is daunting. Othersare completely unaware ofhow a new child will impacttheir financial situation.

So, just how much does ababy cost? The answerdepends on many factors. Doesone parent stay at home or

does the family hire a childcare provider? Will the childattend public or privateschool? Is there a need for alarger home or car for thegrowing clan? Raising a childcosts an average of nearly$11,000 the first year and morethan $220,000 for the first 18years, according to the U.S.Department of Agriculture.

So where do expecting andnew parents start? ThriventFinancial for Lutherans offersthese five "baby steps" to helpthem prepare.

1. Start early. During yourpregnancy, take the time todetermine your family's imme-diate financial needs as well as

your long-term goals. 2. Create a realistic budget.

Determine the true cost ofwhat you will need and weighit against the new realities ofyour household income situa-tion. This is particularlyimportant if you plan on leav-ing the workforce for anextended period of time.Consult another new parentfor a list of monthly babyexpenses to get a clear pictureof those costs.

3. Start and/or increase anemergency fund. The chancesof unexpected expenses willbecome much greater once thelittle one comes on the scene.

4. Get protection through

proper insurance. It's time toface your own mortality andvulnerability. Protection is crit-ical. Consult with a financialrepresentative to insure yourhealth, property, income andlife through appropriate insur-ance. In addition, consider ajuvenile life insurance policywhen your child is born. Also,be sure to update the benefici-ary designation on your ownpolicies once the baby is born.

"For new parents, one of thebiggest financial priorities wehear about is their desire toprotect their family's financialfuture," says Bruce Fear, vicepresident of protection prod-ucts and solutions for Thrivent

Financial. "The foundation ofthis protection starts with hav-ing the proper insurance inplace in case of an unexpectedevent. This can provide somepeace of mind to many par-ents."

5. Save for college. Beforeyou know it your child willleave the nest, so start savingfor junior's college experiencenow. A financial professionalcan assist with the variousinvestment tools availabletoday for college savings.Furthermore, opening a sav-ings account in the child'sname is a great starting pointfor depositing monetary giftsgiven to the child.

Tuesday, February 22, 2011 - 21www.troyrecord .com The Record

Jameson Matthew Alvey June 18, 2010 Amber & Matt

Troy, NY

Ivy Grace Grimmick- Bordiuk

August 20, 2010 Ben & Eva Bordiuk

Loudonville, NY

Mackenzie Skye Michna September 12, 2010

Matthew & Liz Sand Lake, NY

Teagan Rae Smith November 24, 2010

Karen & Dave Troy, NY

Adriana Alyse Pasinella April 6, 2010

Michele & Jeff Pasinella Troy, NY

Gavin Gene Paterniani August 18, 2010 Megan & Scott Huntington, NY

Sydney Louise Gabriel May 25, 2010

Joe & Stormee Gabriel Oak Harbor, WA

Thomas William Sawyer March 26, 2010

Thomas & Patricia Sawyer Averill Park, NY

Lilliana Marie Smith July 6, 2010

Kristin Patnode & Dairian Smith

Troy, NY

Rosalee Bradway January 14, 2010 Jack Bradway &

Kim Gardella North Chatham, NY

Brooke Marie Wilkes July 13, 2010

Paul & Dawn Wilkes Troy, NY

Anthony Robert DePaulo March 21, 2010 Jason & Julie Colonie, NY

Alayna Danielle Dowdel l October 31, 2010

Sheri Rivet & Dana Dowdell

Troy, NY

Lana Ann Clow November 5, 2010 Laura Vadnais &

Robert Clow Troy, NY

Madilyn Naylor November 11, 2010

Jason & Michelle Naylor Reno, NV

Leigh Ann Marie Carley February 19, 2010

Mike & Lisa Carley Clifton Park, NY

Griffin James Ostwald October 21, 2010

Jason & Shannon Ostwald Averill Park, NY

Carter Eugene Harris February 10, 2010 Erik & Elizabeth Waterford, NY

Jason William Bristol Jr. October 28, 2010 Jason William &

Carolyn Marie Bristol Watervliet, NY

Noah William Coffman September 4, 2010

Damon & Traci Coffman Averill Park, NY

Alexander Xavier Guerin- Williams

July 8, 2010 David Williams III &

Natasha Guerin Troy, NY

baby album 2011No-fuss tips to make feeding baby easy, enjoyable

(ARA) — Feeding a newborn, it'sbeen said, is a collaborative effortbetween an adult and a baby, neither ofwhom have much education or experi-ence in the matter.

Even if you already have childrenyou may find feeding a new baby achallenge, depending on how differenther personality is from her older sib-lings. Some babies will take to breast-feeding happily and turn their littlenoses up at the hint of a bottle. Otherswill struggle with nursing and findgreater success and satisfaction with abottle. And many babies will prefer acombination of nursing and bottle-feed-ing.

All three methods have their advan-tages and challenges. Breast-feedingoffers nutritional and developmental

benefits to a baby, and cost savings forparents. Bottle-feeding can be easy forboth mother and baby, and gives otherfamily members the chance to help outwith feeding and experience bondingwith the baby.

Here are a few tips to make feedingeasier, whether you nurse or bottle-feed: ä Choose a quiet place for feeding

your baby. This will make mealtimemuch more enjoyable. As the babygrows, this will also help her focus onfeeding versus being distracted bywhat's happening around her. ä Use a feeding pillow to make feed-

ing time easier for mom and baby. Itputs mom in the correct ergonomicposition, relieving back and neckstrain. It also supports baby as babies

always need to have their heads sup-ported properly when eating. ä Snuggle. Feeding is the perfect time

to bond, so enjoy. Infants love skin-to-skin contact. Nursing mothers get thisnaturally. Parents using a bottle cansnuggle baby close to their face andwear short sleeves to maximize skincontact. ä Let baby decide when she is full.

Nursing moms are often concernedabout their baby getting enough to eat.In general, if baby is back up to birthweight within two weeks, she's gettingwhat she needs.ä Burp baby. Babies often swallow

too much air and need help to get itout. If baby is fussy or not interested infeeding, sometimes she just needs to beburped.

ä If using formula, make sure tomeasure. Follow the directions on thelabel, which is key to maintainingnutritional balance. Put the recom-mended amount of water in a cleanbottle and then add the formula. Thiswill help make measuring more accu-rate too. If you put the formula in thebottle first, you will end up adding lesswater than recommended. ä Learn what the experts recommend

for storage times on both breast milkand formula. Times can vary dependingon storage methods. ä Let Dad help. Dad and baby will

bond over feedings and Mom will get afew much-needed minutes of rest. ä Reach out to the experts, such as

doctors and lactation consultants, if youneed assistance. They are there to help.

December 14 2010Noreen & Jeremy Brown

Glen Falls, NY

May 29, 2010Michele &

Anthony FedorowiczWaterford, NY

March 4, 2010Glenn Chandler & Lisa Gillenwalters

Altamont, NY

May 9, 2010Ray Calhoun & Rebecca Foster

Hoosick Falls, NY

July 16, 2010Keri Bushey & Chazz WhiteCohoes, NY

October 13, 2010Sheila & Scott Raymond

Rochester, NY

October 9, 2010Casey Demarse &

John GriffinCohoes, NY

August 17, 2010Matthew & Jill Sausville

Waterford, NY

October 10, 2010Mary & Tom Berghela

Troy, NY

April 23, 2010Casey & Dan YettoSchenectady, NY

April 1, 2010Danielle Cotton &

Michael ButlerTroy, NY

July 27, 2010Colleen & AaronWatervliet, NY

January 23, 2010Kelly & Chuck Salerno

Troy, NY

April 14, 2010Amy Garrow

Troy, NY

November 21, 2010Kyle & Jessica Hoag

Melrose, NY

June 30, 2010Richard & Crystal Phillips

Troy, NY

January 28, 2010Erin Maloney &

Tom MartinoAlbany, NY

July 2, 2010Kodie Rankin &

Nick NaplesTroy, NY

March 12, 2010Kaitlyn Gould & Shawn O’Brien

Troy, NY

October 11, 2010Bob & Katrina Keith

Clifton Park, NY

September 20, 2010Rebecca Stevens & Anthony Thompson

Troy, NY

October 17, 2010Kara & Kevin Butler

Cohoes, NY

January 5, 2010Brenda Tilley &

Andrew GochenaurMelrose, NY

January 26, 2010Karen Beattie &

Wayne YandoCohoes, NY

August 30, 2010Vicky & PJTroy, NY

December 2, 2010Kayleigh & Joey

Troy, NY

October 15, 2010Jennifer Brown &

Jeremy KaneWynantskill, NY

July 9, 2010Brandi Grudecki &

Matthew BrickwedelClifton Park, NY

May 29, 2010Amy & Ryan

Troy, NY

December 7, 2010Todd & Kathy Hains

Phoenix, AZ