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OPINION: Washington’s Farewell Address holds lessons for today
George Washington’s Farewell Address is one of the key documents of America’s founding era. It’s not as familiar as the Declaration of Independence, the Constitution, and some other writings, but it was a clarion call for national unity when the United States was forming its identity. It’s also remarkably pertinent to our own time. As […]
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George Washington’s Farewell Address is one of the key documents of America’s founding era. It’s not as familiar as the Declaration of Independence, the Constitution, and some other writings, but it was a clarion call for national unity when the United States was forming its identity.
It’s also remarkably pertinent to our own time. As political scientist Robert Strong writes in a recent essay, the dangers that Washington foresaw for the young republic “seem startlingly contemporary and relevant 229 years later.” Chief among Washington’s concerns was excessive partisanship, which, he wrote, “agitates the community with ill-founded jealousies and false alarms, kindles the animosity of one part against another, (and) foments occasionally riot and insurrection.”
The Farewell Address, written with help from James Madison and, especially, Alexander Hamilton, and published in a Philadelphia newspaper on Sept. 19, 1796, explained Washington’s reasons for not seeking a third term as president. Washington was uniquely popular. The hero of the American Revolution, he was already celebrated as the father of his country. Presidential electors had voted unanimously for him in 1788 and 1792. He could have been president for life, but he put the government in the capable hands of his contemporaries.
The Farewell Address, when it’s mentioned, is often cited for its warning that America should “steer clear of permanent alliances” with other nations. That language has been used — wrongly, I believe — to justify isolationism. But Strong, who spent time working in my congressional office as an American Political Science Association fellow, writes that the overall focus is on domestic affairs.
George Washington warned that the government shouldn’t accumulate debt, for example. When it had to borrow money, he wrote, it should promptly repay it, “not ungenerously throwing upon posterity the burden which we ourselves ought to bear.” Today, our national debt approaches $40 trillion, a burden for future generations. He also worried about regional disputes, especially between North and South, a conflict that would tear the nation apart 65 years later. Today, we are divided between blue states on the coasts and red states in the interior. We aren’t at war, but our relations can be tense.
Washington’s strongest warnings were against partisanship, or what he called “the baneful effects of the spirit of party, generally.” At a time when the first American political parties, Hamilton’s Federalists and Thomas Jefferson’s Democratic-Republicans, were taking shape, Washington conceded that creating parties was “inseparable from our nature.” But he feared the consequences: “disorders and miseries” that “incline the minds of men to seek security and repose in the absolute power of an individual; and sooner or later the chief of some prevailing faction … turns this disposition to the purposes of his own elevation on the ruins of public liberty.” The language may seem dated, but the concern about extreme partisanship, the concentrated power of an individual leader and even the “runs of public liberty” should speak to Americans today.
Washington pointed to the Constitution’s checks and balances between the branches of government as a critical safeguard against absolute power. “To preserve them must be as necessary as to institute them,” he wrote. It seems likely that he would be concerned about the way Congress, in recent years, has stood by while presidents accumulate more power.
America’s founders weren’t perfect. They were men of their time (and they were all men). Many of them, including Washington, were slaveowners. They couldn’t foresee the ways the nation would change and grow. But they thought deeply about the meaning of freedom and about how to institute a government that would preserve it. We would do well today to take their words to heart.
Lee Hamilton, 94, is a senior advisor for the Indiana University (IU) Center on Representative Government, distinguished scholar at the IU Hamilton Lugar School of Global and International Studies, and professor of practice at the IU O’Neill School of Public and Environmental Affairs. Hamilton, a Democrat, was a member of the U.S. House of Representatives for 34 years (1965-1999), representing a district in south-central Indiana.

NBT Bancorp profit surges 43 percent in Q3
NORWICH — NBT Bancorp Inc. (NASDAQ: NBTB), parent company of NBT Bank, recently reported that its net income rose 43 percent to $54.5 million in the third quarter from $38.1 million in the year-prior period, as it improved margins and benefitted from a recent merger. NBT’s earnings per share rose to $1.03, compared to 80
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NORWICH — NBT Bancorp Inc. (NASDAQ: NBTB), parent company of NBT Bank, recently reported that its net income rose 43 percent to $54.5 million in the third quarter from $38.1 million in the year-prior period, as it improved margins and benefitted from a recent merger.
NBT’s earnings per share rose to $1.03, compared to 80 cents over the same period.
Norwich–based NBT Bancorp completed the acquisition of Evans Bancorp, Inc. on May 2, adding 200 employees and 18 branches in Western New York, $1.67 billion in loans, and $1.86 billion in deposits. In connection with the transaction, NBT issued 5.1 million shares of common stock, with a value of $221.8 million as of the closing date.
“For the third quarter of 2025, we achieved record net income and earnings per share, and we reported a return on average assets of 1.35% and a return on average tangible common equity of 17.35%,” NBT Bancorp President and CEO Scott Kingsley said in the Oct. 27 earnings report. “These results reflect productive growth in earning assets, deposits, and our sixth consecutive quarter of net interest margin improvement, including a full quarter of our merger with Evans Bancorp, Inc. completed in May.”
The NBT board of directors approved a fourth-quarter cash dividend of 37 cents per share at a meeting held on Oct. 27. The dividend is up by 3 cents, or 8.8 percent, over the amount the banking company paid in the fourth quarter of 2024. This is NBT’s 13th straight year of annual dividend increases. The company will pay the new, higher dividend on Dec. 15, to stockholders of record as of Dec. 1.
Kingsley said the dividend increase is “illustrative of our ongoing commitment to providing favorable long-term returns.”
NBT Bancorp did not purchase any shares of its common stock during the third quarter, ended Sept. 30. On the same day as its earnings report and dividend increase, the NBT board authorized and approved an amendment to the company’s previously announced stock repurchase program. Pursuant to the amended stock buyback program, NBT may repurchase up to
2 million shares of its common stock with all repurchases under the program to be made by Dec. 31, 2027.
Ithaca Rotary Club awards nearly $15,000 in community grants to 11 local nonprofits
ITHACA — The Ithaca Rotary Club recently handed out $14,798 to its 2025 Community Grants awardees. From a pool of 41 applications, 11 grant proposals from area nonprofits received funding, the club announced. Awards are made from the Rotary Club’s donor-advised fund held at the Community Foundation of Tompkins County. The Ithaca Rotary Club, in
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ITHACA — The Ithaca Rotary Club recently handed out $14,798 to its 2025 Community Grants awardees. From a pool of 41 applications, 11 grant proposals from area nonprofits received funding, the club announced.
Awards are made from the Rotary Club’s donor-advised fund held at the Community Foundation of Tompkins County.
The Ithaca Rotary Club, in a Sept. 24 announcement, listed the following local not-for-profit organizations as 2025 grant recipients, with dollar amount and grant purpose included:
• Community Science Institute, $1,500 — Provide discounted water testing through the newly launched Water Testing Assistance Fund program
• Downtown Ithaca Children’s Center, $1,000 — Rechargeable two-way radios for organizational safety and emergency support
• Enfield Food Distribution, $1,500 — Offset the sudden 50-percent reduction in funding received from The Emergency Food Assistance Program (TEFAP)
• Family & Children’s Service, $1,500 — Purchase 30 $50 food gift cards for homeless youth supported by the Open Doors program
• Foodnet Meals on Wheels, $875 — Buy a picnic table and a bike rack for staff use
• Friends of Stewart Park, $1,500 — Match Wegmans’ donation to complete construction of one new accessible picnic table near the Stewart Park playground
• Ithaca Children’s Garden, $1,500 — Install a pond liner, replace deteriorating dock decking, and mount interpretive watercolor panels at its Tadpole Pond Habitat
• Ithaca Community Childcare Center, $1,500 — Purchase weather-resistant play materials that support physical development and integrate into the natural playscape
• Lansing Center Trail, $1,423 — Create a Volunteer Tool Library stocked with gardening and outdoor tools
• Loaves & Fishes, $1,500 — Purchase an ice machine to support daily meal service and enhance food safety
• New Roots Charter School, $1,000 — Expand the free personal-care product pantry and add basic school supplies
The Ithaca Rotary Club said it issues a call for proposals in June of each year. Grants are intended to promote the quality of life in Tompkins County. Small nonprofit organizations are especially encouraged to apply. All grant applications must be for projects completed within Tompkins County.

Ask Rusty: How Do I Navigate the Social Security Maze?
Dear Rusty: I am a woman, turning 65 [soon]. It seems that deciding when to claim Social Security is complicated. I would like more information to navigate through this maze. Thank you. Signed: Ready to Claim Dear Ready to Claim: Deciding when to claim Social Security can be challenging, but we hope to make it
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Dear Rusty: I am a woman, turning 65 [soon]. It seems that deciding when to claim Social Security is complicated. I would like more information to navigate through this maze. Thank you.
Signed: Ready to Claim
Dear Ready to Claim: Deciding when to claim Social Security can be challenging, but we hope to make it a bit easier for you. You can, of course, call us at any time to speak to one of our certified Social Security advisors, but I’ll share some pertinent information here as well.
Be aware that at age 65, you have not yet reached your Social Security (SS) full retirement age (FRA). Born in 1960, your FRA is age 67, and that is when you can receive 100 percent of the SS benefit you’ve earned from a lifetime of working. If you claim SS at age 65, your monthly amount will be reduced by about 13.3 percent from your age 67 entitlement (a permanent reduction). If you wait a bit more and claim at age 66 the reduction would be about 6.7 percent. To receive 100 percent of your “primary insurance amount” you should wait until age 67 to claim. Note you can also wait longer than your FRA and earn delayed retirement credits up to age 70, when your monthly amount would be about 24 percent more than your FRA entitlement.
If you are still working, at age 65 you will also be subject to Social Security’s annual earnings test (AET), which limits how much you can earn when collecting SS benefits before your full retirement age. The earnings limit for 2025 is $23,400 (it changes annually) and if you earn more than that, the Social Security Administration will take away $1 in benefits for every $2 you are over the limit. There is also a special rule for the first calendar year you are collecting early benefits, which will result in you not getting benefits for any month your work earnings are more than $1,950 after your early benefits start. So, if you claim SS at age 65 and continue to work, you won’t get any SS benefits in any 2025 month thereafter that you earn more than the monthly limit (unless your total annual; 2025 earnings are less than the annual limit). FYI, the earnings limit no longer applies once you attain your full retirement age.
In the end, when deciding when you should claim Social Security, you should consider your need for Social Security money, your life expectancy, your plans for working, and your marital status. If you are (or were) married, you might be eligible for a spousal (or ex-spouse) benefit. You may also want to peruse the Social Security Q&A section at our website: www.SocialSecurityReport.org. So, as you have already discerned, deciding when to claim Social Security can be confusing, but we are always here to assist you as needed.
You can either call us directly at (888) 750-2622 or email your specific Social Security questions to us at: SSAdvisor@amacfoundation.org. In either case, we will be most happy to help you decide when to claim, based on your unique personal circumstances.
Russell Gloor is a national Social Security advisor at the AMAC Foundation, the nonprofit arm of the Association of Mature American Citizens (AMAC). The 2.4-million-member AMAC says it is a senior advocacy organization. Send your questions to: ssadvisor@amacfoundation.org.
Author’s note: This article is intended for information purposes only and does not represent legal or financial guidance. It presents the opinions and interpretations of the AMAC Foundation’s staff, trained, and accredited by the National Social Security Association (NSSA). The NSSA and the AMAC Foundation and its staff are not affiliated with or endorsed by the Social Security Administration (SSA) or any other governmental entity.

Urban farms, community gardens in CNY, Mohawk Valley, Southern Tier awarded state funding
ALBANY, N.Y. — Organizations in Central New York, the Mohawk Valley, and the Southern Tier were among 51 groups awarded a total of $2.5 million

Solvay Bank hires branch manager for upcoming James Street Wegmans plaza location
DeWITT, N.Y. — Solvay Bank on Thursday said it has appointed Briana Fox as AVP, branch manager for its upcoming East Syracuse–area location at the Wegmans plaza on James Street in the town DeWitt. It will be the 10th branch for Solvay Bank, the oldest community bank established in Onondaga County, per the announcement. Fox
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DeWITT, N.Y. — Solvay Bank on Thursday said it has appointed Briana Fox as AVP, branch manager for its upcoming East Syracuse–area location at the Wegmans plaza on James Street in the town DeWitt.
It will be the 10th branch for Solvay Bank, the oldest community bank established in Onondaga County, per the announcement.
Fox joined Solvay Bank in 2016 as a banking solutions representative at its Fairmount office. Along the way, Solvay Bank promoted Fox to assistant branch manager at Solvay Bank’s DeWitt location, and most recently, branch manager for the North Syracuse office.
The future 2,200-square-foot Smart Office, located in the Wegmans plaza on James Street, is making “significant” progress, with framing now complete and further phases “actively underway” Solvay Bank noted. This branch will offer personal, business, and municipal-banking products and services.
Founded in 1917, Solvay Bank currently has nine branch locations in Solvay, Baldwinsville, Camillus, Cicero, DeWitt, Liverpool, North Syracuse, Westvale, and downtown Syracuse in the State Tower Building, as well as a commercial lending presence in the Mohawk Valley.

SUNY to represent New York in Center for State Service Innovation
ALBANY, N.Y. — Service Year Alliance has selected New York to join the inaugural group of the Center for State Service Innovation, an effort seeking

Issuing 1099s: What Every Business Owner Needs To Know
If you are a business owner, you have likely heard of Form 1099. It is a crucial part of tax compliance and should not be

Tech Farm II expansion at Cornell Agriculture and Food Technology Park in Geneva is complete
GENEVA, N.Y. — The expansion of the Cornell Agriculture and Food Technology Park Corporation’s (CAFTPC) Tech Farm II in Geneva is now complete. The project

Fidelis Care awards $10K grant to Utica’s Integrated Community Alternatives Network
UTICA, N.Y. — Fidelis Care on Tuesday presented a $10,000 Here for Your Health maternal health grant to Integrated Community Alternatives Network (ICAN) in Utica. This grant is one of seven totaling $130,000 awarded to providers and community-based organizations that support innovative strategies in postpartum care and maternal mental health in underserved communities across New
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Click here to purchase a paywall bypass link for this article.
UTICA, N.Y. — Fidelis Care on Tuesday presented a $10,000 Here for Your Health maternal health grant to Integrated Community Alternatives Network (ICAN) in Utica.
This grant is one of seven totaling $130,000 awarded to providers and community-based organizations that support innovative strategies in postpartum care and maternal mental health in underserved communities across New York State.
Fidelis Care, a Centene Corporation company, is a statewide health plan with more than 2.4 million members in New York State. Fidelis Care has regional offices are located in Syracuse, Rochester, Buffalo, Albany, and New York City.
ICAN provides individualized and non-traditional services to many populations, including pregnant and postpartum women through preventive programs and established residences.
The Fidelis Care grant supports the purchase of AI-powered live translation earbuds available in 40 languages for staff, local clinics, and partners who work with pregnant and postpartum clients. AI is short for artificial intelligence.
This real-time, two-way communication “enhances the client’s experience and maternal health outcomes” by making services linguistically inclusive, cost-effective, and culturally competent, Fidelis Care said.
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