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28 July 2025 NHTownCrier.com
Understanding Risk Bank or Any Bank Affiliate • Subject to Investment Risks, Including Possible Loss of

for Bond Investors the Principal Amount Invested
Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC,
A primary reason investors own bonds is because Member SIPC, a registered broker-dealer and non-bank affiliate of Wells Fargo &
their values have historically remained relatively Company.
stable over time. In other words, they’ve been ©2021 – 2024 Wells Fargo Clearing Services, LLC. All rights reserved. PM-05292026-
less risky than stocks. (Of course, their returns 7397061.1.1
have been lower as well.) So you might want to
have bonds in your portfolio in case the stock
market takes a hit. If that happens, the bonds
could stabilize your portfolio’s overall value. And
that may help you avoid making emotional (and
sometimes costly) heat-of-the-moment choices.
Christopher J. Carbone Lower risk is different than no risk
Bonds are considered less risky than stocks, but 6:00 pm, Rain or Shine, Free and Open to the Public, Donations Gratefully Appreciated, wear Comfortable Shoes, and Bring a Friend!
they’re certainly not risk-free (no investment is). Although some investors may believe
bonds are as safe as cash, that’s not the case. In fact, bond investors face a number of
risks, including: Monday, June 9, 2025 Monday, June 30, 2025
Interest rate risk. The chance of a change in a bond’s price in response to movements 6pm, Rain or Shine. Free and Open to the Public. Donations Gratefully Fort Schuyler Club
6:00 pm, Rain or Shine, Free and Open to the Public, Donations Gratefully Appreciated, wear Comfortable Shoes, and Bring a Friend!
The History of The Rome Daily Sentinel
6:00 pm, Rain or Shine, Free and Open to the Public, Donations Gratefully Appreciated, wear Comfortable Shoes, and Bring a Friend!
in interest rates. It’s important to understand this risk because bond market prices Appreciated. Wear Comfortable Shoes and Bring a Friend!
Monday, June 30, 2025
Monday, June 9, 2025
and interest rates are negatively correlated. In other words, if interest rates increase, A Special Presentation at the Miller-Conkling-Kernan House, 254 Genesee Street, Utica
existing bond prices are likely to decrease. Conversely, when rates are higher and Monday, June 30, 2025
Fort Schuyler Club
Monday, June 9, 2025 The History of The Rome Daily Sentinel
3 Rutger Park, Utica
begin to decrease, bond prices will tend to increase. 254 Genesee Street, Utica Presented by: Darcy Stevenson, Club Manager
A Special Presentation at the Miller-Conkling-Kernan House,
The History of The Rome Daily Sentinel
Credit risk. The prospect that an issuer may suffer a relative decline in credit quality Fort Schuyler Club Meet: In front of the building
Presented by: Stephen Waters, Former Owner
3 Rutger Park, Utica
Presented by: Darcy Stevenson, Club Manager
or outright default. The lower the credit risk, the fewer credit-related price fluctuations 254 Genesee Street, Utica Park: On the street
Meet: In front of the building
Presented by: Stephen Waters, Former Owner
A Special Presentation at the Miller-Conkling-Kernan House,
there should be. Meet: At #3 Rutger Park, Utica Park: In the adjacent parking lot or on the street Meet: At #3 Rutger Park, Utica Park: In the adjacent parking lot or on the street
Park: On the street
3 Rutger Park, Utica
Default risk. When you purchase a bond, you face the risk that the issuer may be Presented by: Darcy Stevenson, Club Manager
Monday, June 16, 2025
Monday, June 16, 2025
Monday, July 7, 2025
unable to pay the interest or par value when it’s due. Meet: In front of the building Monday, July 7, 2025
Presented by: Stephen Waters, Former Owner
Opportunity risk. The possibility of missing out on potentially better returns you Park: On the street
St. Mary Our Lady of Czestochowa / Sacred Heart Roman
St. Mary Our Lady of Czestochowa / Sacred Heart Roman
Deerfield-Schuyler Cemetery / Living Hope Ministries Center
Meet: At #3 Rutger Park, Utica Park: In the adjacent parking lot or on the street
Catholic Church, New York Mills and the Sacred Heart Holy
may be able to get from other investments, like stocks. Catholic Church, New York Mills and the Sacred Heart Holy Deerfield-Schuyler Cemetery / Living Hope Ministries Center
1414 Herkimer Road, Utica
Consider your big picture Cross Polish National Catholic Church, New York Mills Cross Polish National Catholic Church, New York Mills 1414 Herkimer Road, Utica
Monday, June 16, 2025
Presented by: Susan Lorraine
201 Main Street, New York Mills and 206 Main Street, New York Mills
Whether you’re talking about bonds or stocks or any other investment, it’s important Monday, July 7, 2025 Presented by: Susan Lorraine
Meet: At the church
Presented by: Deacon Kurt Lallier and Rev. Father Rafal Dadello
to remember that the amount you own should be determined based on a strategic 201 Main Street, New York Mills and 206 Main Street, New York Mills
St. Mary Our Lady of Czestochowa / Sacred Heart Roman
Park: In the adjacent church parking lot
Meet: At the front of the church Park: At the Church parking lot
asset allocation — how your portfolio is divvied up between different investment Deerfield-Schuyler Cemetery / Living Hope Ministries Center Meet: At the church
Presented by: Deacon Kurt Lallier and Rev. Father Rafal Dadello
Catholic Church, New York Mills and the Sacred Heart Holy
Monday, July 14, 2025
types — based on your: Monday, June 23, 2025 1414 Herkimer Road, Utica Park: In the adjacent church parking lot
Cross Polish National Catholic Church, New York Mills
Meet: At the front of the church Park: At the Church parking lot
· Goals. What you’re investing for, such as being able to afford retirement. Presented by: Susan Lorraine
Lost Over New York
Historic Clinton Tour
201 Main Street, New York Mills and 206 Main Street, New York Mills
· Time horizon. How long you have before you need to tap into our investments. If Beginning in front of 32 Utica Street, Clinton
Monday, June 23, 2025
A Special Presentation at the Miller-Conkling-Kernan House,
you’re 47 and want to retire at 67, you may have a 20-year time horizon. Meet: At the church Monday, July 14, 2025
3 Rutger Park, Utica
Presented by: Deacon Kurt Lallier and Rev. Father Rafal Dadello
Presented by: Sally Carman
· Risk tolerance. How comfortable you are with fluctuations in your portfolio’s value. Park: In the adjacent church parking lot
Meet: In front of 32 Utica Street, corner of Mulberry Street, Clinton
Lost Over New York
Presented by: Matthew Urtz, Madison County Historian
Meet: At the front of the church Park: At the Church parking lot
If market volatility makes it difficult for you to get a good night’s sleep, you likely have Park: On Mulberry Street Historic Clinton Tour
Meet: At #3 Rutger Park, Utica Park: At adjacent parking lot or on the street
a relatively low risk tolerance. A Special Presentation at the Miller-Conkling-Kernan House, Beginning in front of 32 Utica Street, Clinton
Monday, June 23, 2025
If you already invest in bonds or are wondering whether you should, you need to Monday, July 14, 2025
3 Rutger Park, Utica
understand their risks and the important role they can play in your overall investment Presented by: Sally Carman
Lost Over New York
strategy. For help with that, you may want to work with a professional financial advisor. Historic Clinton Tour Meet: In front of 32 Utica Street, corner of Mulberry Street, Clinton
Presented by: Matthew Urtz, Madison County Historian
Investments in fixed-income securities are subject to market, interest rate, credit, Beginning in front of 32 Utica Street, Clinton Park: On Mulberry Street
A Special Presentation at the Miller-Conkling-Kernan House,
Meet: At #3 Rutger Park, Utica Park: At adjacent parking lot or on the street
and other risks. Bond prices fluctuate inversely to changes in interest rates. Therefore,
3 Rutger Park, Utica
a general rise in interest rates can cause a bond’s price to fall. Credit risk is the risk that Presented by: Sally Carman
an issuer will default on payments of interest and/or principal. This risk is heightened Meet: In front of 32 Utica Street, corner of Mulberry Street, Clinton
Presented by: Matthew Urtz, Madison County Historian
in lower-rated bonds. If sold prior to maturity, fixed-income securities are subject to Park: On Mulberry Street
Meet: At #3 Rutger Park, Utica Park: At adjacent parking lot or on the street
market risk. All fixed-income investments may be worth less than their original cost
upon redemption or maturity.
This article was written by/for Wells Fargo Advisors and provided courtesy of Monday, July 21, 2025 Monday, August 11, 2025
Christopher J. Carbone, CFP®, AWMA®, LUTCF® First Vice President - Investment
Officer - Financial Advisor in New Hartford, NY at (315) 723-7386 Interior Tour of the Utica Armory Metalogic Factory and Sign Museum
Investment and Insurance Products are: • Not Insured by the FDIC or Any Federal 1700 Parkway East, Utica 1305 Conkling Avenue, Utica
Government Agency • Not a Deposit or Other Obligation of, or Guaranteed by, the
Presented by: Vincent Scalise Presented by: Joel Grimaldi
Meet: In front of the building Meet: In the back of the building
Park: At the adjacent lot on Culver Avenue Park: In the adjacent parking lot to the south (right of the building
– follow the signs)
Monday, July 28, 2025
Monday, August 18, 2025
St. Mary of Mount Carmel Blessed Sacrament
Catholic Church Utica University Campus
648 Jay Street, Utica 1600 Burrstone Road, Utica
Presented by: Reverend Jim Cesta, Pastor Presented by: Dean Stephanie Nesbitt
Meet: In front of the church Meet: To Be Determined
Park: In adjacent parking lot or on the street Park: To Be Determined
Monday, August 4, 2025 Monday, August 25, 2025
Rome Train Station Boilermaker Road Race Headquarters
6599 Martin Street, Rome 805 Court Street, corner of Sunset Avenue
Presented by: Colin Havener, Director, Rome Historical Society Presented by: Jim Stasaitis, Race Director
Meet: In front of the station Meet: In front of the building
Park: In the adjacent parking lot or on the street Park: On the street or in the parking lot behind the building off of
Sunset Ave.