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Saratoga Senior Center Calendar

Written by Saratoga TODAY on . Posted in Families Today.


290 West Ave., Suite 1, Saratoga Springs, NY 12866 • 518-584-1621


September Events at the Center! 

Poetry/Storytelling
Open Mic

Friday, September 13, 1 pm | $5 suggested donation.
The program will begin with a reading by local poet Maggie Greaves followed by the open mic. Each open mic participant has 

five minutes to read two short poems or one long one. Storytellers have five minutes to tell, narrate or perform their piece. If you are reading a poem or storytelling, please be respectful of your fellow writers by reading for five minutes or less. Lite refreshments will be served.

Faylor, Melnicoff and Chirignan Trio

Sunday, September 29, 2 pm.
Join Melinda Faylor, piano; Melanie Chirignan, flute; Laura Melnicoff, cello; and Mercedes Soriano, artist for their performance at the Saratoga Senior Center.

Saratoga Arts made this program possible through the Community Arts Regrant Program, funded by the New York State Council on the Arts with the support of the office of the Governor and the New York State Legislature.

Save the Date – Saratoga Senior Center’s Annual Open House in partnership with CDPHP Healthy Neighborhood

Saturday, October 5, 9 am – 1 pm.
Join the Saratoga Senior Center for their annual open house and a sampling of all the Center has to offer! More information to come.

This event is supported by CDPHP and Home of the Good Shepherd. The interactive programs are supported by Saratoga Hospital and Capital Area Physical Therapy and Wellness.


Bus Trips (Open to the Public)

Bethel & Woodstock, NY Bus Trip

Wednesday, November 6.
Enjoy a guided tour of the Museum at Bethel Woods. This guided tour of the museum is an “Explore the 60’s” program, which will include discussions with teaching artists, art activations and will be focused on the Woodstock Music and Art Fair. Boxed lunch will be provided. After the tour & lunch, you will stop in Woodstock, NY on the way home to explore and shop. Must sign up by 10/23. Call (518)584-1621 with any questions or to sign up. (Meals are not included)

Trip Cost: $82 per person

New York City, NY Bus Trip

Wednesday, December 4.
There is no place quite like New York City at Christmas time. Spend a day on your own shopping at the winter village in Bryant Park, visiting the tree at Rockefeller Center, or experiencing a magical performance by the Radio City Rockettes. Whatever you choose, it’s sure to be a wonderful day! You will be dropped off at Bryant Park. Call (518)584-1621 with any questions or to sign up. (Meals are not included)

This bus trip is sponsored by Home of the Good Shepherd.

Trip Cost: $62 per person

Free Presentations
(Open to the Public)

“A Life Worth Supporting”

Monday, September 16 | 1 pm.
Presented by Gateway House of Peace
Join Kathleen Lowes, former board member and owner of Townley & Wheeler Funeral Home with Executive Director, Maggie Hasslacher, for the informative presentation about advanced planning and Gateway House of Peace. Come learn about Gateway House of Peace and how they support individuals and their families.

Resilience

Monday, September 30 | 1 pm.
Presented by Barry Loffredo
Life is burdensome a lot of the time. If you expect to be happy all the time, you will be sorely disappointed. Learn how to work up a resistance for the hard times.

Self-Management Techniques for Arthritis

Monday, September 23 | 10 am.
Presented by Sara Brown PT, Saratoga Hospital Regional Therapy Center
Join us for an informative session focused on managing arthritis and enhancing your well-being through effective self-care strategies. This event will explore the crucial role of mobility and nutrition in alleviating symptoms and improving quality of life. Learn practical exercises to maintain joint flexibility, discover dietary choices that reduce inflammation, and gain insights into daily habits that can help you manage your arthritis more effectively.

A Different Childhood

Written by Katherine Morna Towne on . Posted in Families Today.

One of the things that has probably been overly important to me in my motherhood is making sure my children all have the same childhood. What a silly notion! But it’s been something on my mind for years: we did x, y, and z for the older boys, so we definitely need to do x, y, and z for the younger boys, that kind of thing. Which really is silly, I know, because our boys simply *will* have different experiences growing up, no matter what. Time marches on — and time changes everything.

For one thing, time equals experience, and experienced parents do parenting differently than first-time parents. There’s a funny comic I’ve seen that describes the different stages of parenthood: when your first baby drops his pacifier on the floor, you immediately sterilize it in boiling water before giving it back. When your second baby drops his pacifier on the floor, you run it under water before giving it back. When your third baby drops his pacifier, you give it a quick swipe on your pants before giving it back. It’s true! Things that you absolutely freaked out about as first-time parents don’t phase you at all once you have a couple more kids. 

With my first, I did the homemade baby food route for a while: I steamed and pureed veggies and made homemade applesauce. After a few kids, I was a jar-and-pouch devotee! I was also extremely attentive to strict schedules of eating and sleeping for my oldest. Though schedules have always remained an important part of my mothering, my youngest has a far more relaxed rhythm to his day than his older brother did — he regularly goes to bed far later than my older boys would ever have been allowed to do.

Another thing about time is that older parents aren’t up for as much as younger parents are. When we started our family, we were in our twenties — young and energetic. When our youngest was born, we were in our forties — and I was feeling old and always tired (I’ll let my husband speak for himself!). 

I think back to that young woman I was with all those babies and I’m amazed. I used to take all the kids to the grocery store with me — so many little ones in the cart and on the cart and walking next to the cart — and now, if I have to take my youngest, I’ll sometimes put off my shopping trip for later in the day or another day altogether just so I don’t have to have to tell him seventeen times to stop jumping and walk normally, or to say no to all his requests for all the things.

With the passing of time comes an increase of technology: type and availability. With my older kids, I was determined to keep a tight lid on technology. My oldest didn’t even touch a computer or a tablet or anything like that until he was introduced to it in school. But as my older kids became older and their own technology requirements increased — like the requirement to have their own Chromebooks for middle- and high school, and the phones we determined were necessary for the big boys now that pay phones no longer exist — it all trickled down to the youngers. My older boys sometimes let their little brothers play games on their phones (under strict supervision), and my youngest often instructs me to “look it up on your phone!” when he asks me a question that I don’t know the answer to.

I often find myself starting to sink into a lament about my little guys not having the same kind of unplugged childhood that my older boys did. I worry about how the older boys’ busy schedules — work, sports, friends, school — interfere with the younger boys’ peaceful time at home. I wistfully remember the long walks I would take with all my little ones during our long, slow days at home together years ago, that I simply don’t have the time for now with my little guys. My little boys are left in the care of others far more than my olders ever were because of my own work. The big boys grew up surrounded by babies and smaller children; my youngest wishes he had the same — he has frequently asked me for a baby brother, and smothers his baby cousins with hugs whenever he sees them (which isn’t nearly often enough for his liking). The older boys have always had to share their space, have always had to deal with a houseful of people and noise; my youngest will be the only boy living full time at home for the entirety of his high school years.

I’ve heard many times from those who grew up in big families that the older siblings and the younger siblings all have a sense of being brought up by totally different parents. We even joke about that in my own family of origin — it’s generally acknowledged that my two youngest sisters, who are nine and eleven years younger than me, were brought up with a different set of rules than the rest of us. It’s funny and makes for good stories, but it can also sometimes feel unfair, which I think is what I’m trying to avoid the most. In the end, all I can do is pray and do the best I can, as my mom is always reminding me, and keep loving my kids. I hope the school year has started well for all of you and your little (and not so little) ones!

Kate and her husband have seven sons ages 19, 18, 16, 14, 12, 10, and 5. Email her at kmtowne23@gmail.com.

What Happens When the Fed Lowers Interest Rates?

Written by Stephen Kyne, CFP on . Posted in Families Today.

The Federal Reserve has been working aggressively for the last two years to rein in inflation without bringing the economy to a grinding halt. This is the “soft landing” you’ve probably heard about, and it appears it may have been mostly successful. Next week the Fed is widely expected to begin unwinding its strategy by lowering rates.

After the Federal Reserve decides to lower interest rates, there are several potential outcomes and implications for the economy and financial markets. This decision is typically made in an effort to stimulate economic growth, encourage borrowing and spending, and combat potential downturns in the economy. While the immediate effects of a rate cut can vary, there are some general trends and expectations that can be observed.

One of the first effects of a rate cut is a decrease in borrowing costs for consumers and businesses. Lower interest rates can make it more affordable to take out loans for purchases such as homes, cars, and other big-ticket items. This can stimulate consumer spending and investment, which in turn can boost economic growth and job creation. Businesses may also be more willing to invest in new projects or expand their operations when borrowing costs are lower, leading to increased economic activity and potential job growth.

In addition to lower general borrowing costs, lower interest rates can also impact the housing market. When interest rates are decreased, mortgage rates tend to follow suit, making it more affordable for individuals to buy homes or refinance their existing mortgages. This can lead to an increase in home sales and construction activity, providing a boost to the real estate market and related industries. However, lower interest rates can also contribute to rising home prices, as increased demand for housing can lead to competition among buyers and bidding wars in some markets.

Lower interest rates can also have an impact on the stock market. In general, lower interest rates can make stocks more attractive to investors, as the potential returns from equities may be more appealing compared to other investments such as bonds or savings accounts. As a result, stock prices may rise in response to a rate cut, especially for companies that are expected to benefit from increased consumer spending and economic growth. However, the relationship between interest rates and stock prices is complex and can be influenced by a variety of factors, so it is important to consider the broader economic and market context when analyzing the impact of a rate cut on the stock market.

Another potential effect of lower interest rates is a depreciation in the value of the U.S. dollar. When interest rates are lowered, investors may seek higher returns in other currencies or assets, leading to a decrease in demand for the dollar. A weaker dollar can make U.S. exports more competitive in international markets, potentially boosting demand for American goods and services. However, a weaker dollar can also lead to higher prices for imported goods, which can contribute to inflationary pressures in the economy.

Overall, the decision by the Federal Reserve to lower interest rates can have wide-ranging effects on the economy and financial markets. While the immediate impact of a rate cut may be positive for consumers and investors, it is important to consider the potential longer-term consequences and risks associated with lower interest rates. As always, continue to work closely with your Certified Financial Planner® professional to help ensure your financial strategy reflects changes in the markets and in your life.

Stephen Kyne CFP® is a Partner at Sterling Manor Financial, LLC in Saratoga Springs.   

Securities offered through Cadaret, Grant & Co., Inc. Member FINRA/SIPC. Advisory services offered through Sterling Manor Financial, LLC, or Cadaret Grant & Co., Inc., SEC registered investment advisors. Sterling Manor Financial and Cadaret, Grant are separate entities. 18 Division St, Ste 202, Saratoga Springs, NY 12866 518-583-4040

Beginning the Process for a Successful Estate Plan

Written by Matt Dorsey on . Posted in Families Today.

When clients come to me for estate planning, they often struggle to know where to begin.  With the internet, social media, and now artificial intelligence, there is an overabundance of information available on estate planning.  What should you focus on and what is useless white noise?

Now that summer is over and the kids are back at school, this is an excellent time to take a breath and think about your estate planning.  Below is a set of questions and answers that are designed to help you focus on the important things and start the process of getting your affairs in order.

What should I do before meeting with an estate planner?

Before going to see an estate planner, you should compile basic information regarding your family, the people or entities you want to give to, and your assets.  Some attorneys use questionnaires to facilitate the gathering of this information.  If people request a questionnaire of me, I am happy to provide a basic form for that purpose.  It is also fine to simply write out the information on a couple of sheets of paper and bring that with you to the first meeting.

What information should I compile?

You should list the members of your immediate family, the members of your extended family which you would like to make gifts to, the friends you would like to remember, and any charitable entities that you wish to provide for.  In addition, you should compile a list of all your assets with their values and how they are titled.

What information is needed for those I want to give to?

For the family members, friends, and charities you would like to give to, you should have their full name as it should appear in any legal documents, their address, and their phone number.  For individuals, it is also helpful to have their age and to note whether they have any sort of disability.  People often ask whether social security numbers are necessary, and the answer is no.  When it comes to charities, you should note whether you wish to give to a local chapter or the national organization, if there is one.  It is also helpful to think about whether you want to designate the funds given to the charity for a particular purpose.

What information is needed regarding my assets?

As I noted above, you should get together the information regarding the values of all your assets and how they are titled.  You should not worry about getting precise values – estimates are fine.  Approximate values for real estate from an internet source like Zillow will suffice, or you can use your own estimate based on what you know has sold in your area.  Similarly, you need not provide values for monetary assets down to the penny.  It is important, however, to determine how the assets are titled.  Are they held by one person?  Are they held jointly with someone else?  Are they payable to a named beneficiary, like an IRA or life insurance?  If you are not sure on some of these questions, just provide what you do know, and the estate planning attorney can help you figure out the rest.

After I get this information together, what is the next step?

The next step would be to schedule a meeting with an estate planning attorney to discuss your wishes.  Most first meetings are in person, however if phone calls or Zoom conferences are preferable given your schedule, then such arrangements can likely be accommodated.

What will be discussed at the first meeting?

The attorney will likely go over what you have compiled regarding your family, who you would like to make gifts to, and your asset information.  There will likely be the need for some clarification and follow-up based on that initial meeting.  For example, the attorney may ask you to confirm with a financial institution that the beneficiary of a retirement account is in fact who you think they are.  As another example, the attorney may obtain a copy of a deed to make sure the real property you have is titled consistent with your wishes.

Will we discuss what documents are needed for the estate plan?

Yes.  The attorney will ask what documents you have in place now.  If you have copies of those documents, it is advisable to bring them with you.  Depending on their complexity, the attorney may be able to review them with you at the meeting or may need additional time to examine them and report back.  After reviewing what you have in place, if anything, there can be a discussion about what your goals are and what documents could be drafted and steps taken to accomplish those goals.

What types of documents will be discussed?

Typically, you will discuss whether a Last Will and Testament or a Trust would be advisable.  Those are the two main estate planning documents which will determine the disposition of your assets after you pass away.  Those documents are not mutually exclusive, it may be appropriate to have both a Will and a Trust, based on your circumstances.  In addition, you would likely discuss the need for a Power of Attorney, Health Care Proxy, and Living Will.  Sometimes those last two documents – Health Care Proxy and Living Will – are combined into one.

What else will be discussed?

You would also discuss the status of your assets that will pass outside of any Will or Trust, such as assets you hold jointly with someone else or assets that are payable to a named beneficiary.  An example of a joint asset would be a house you own with your spouse.  An example of an asset payable to a named beneficiary would be an Individual Retirement Account (IRA).

What happens after the initial meeting?

After the initial meeting, the attorney will make a recommendation for your estate plan, based on your goals and the information you have provided.  If you find the plan acceptable, then you can retain the attorney to represent you and move forward with the plan.

As with most things, knowing how to start the process is the first step.  Hopefully this review of the initial steps will help you on your way to crafting a successful estate plan.

Matthew J. Dorsey, Esq. is a Shareholder with O’Connell and Aronowitz, 1 Court Street, Saratoga Springs, NY. Over his twenty-seven years of practice, he has focused in the areas of elder law, estate planning, and estate administration. Mr. Dorsey can be reached at (518)584-5205, mdorsey@oalaw.com and www.oalaw.com.    

The Healing Power of Walking: AlleviatingBack Pain Naturally

Written by Dr. Matt Smith, DC on . Posted in Families Today.

Back pain is a common ailment that affects many individuals, leading to discomfort and reduced quality of life. While there are various treatment options available, one simple and effective way to manage and even alleviate back pain is through regular walking. Walking, a low-impact exercise, offers numerous benefits for the body, including strengthening muscles, improving flexibility, and promoting overall well-being. In this article, we will explore how incorporating walking into your daily routine can help combat back pain and enhance your overall health.

1. Strengthening Core Muscles:

Walking engages the core muscles that support the spine, such as the abdominals and lower back muscles. By walking regularly, you can improve the strength and endurance of these muscles, which in turn helps stabilize the spine and reduce the risk of back injuries. Strong core muscles provide better support for the back, leading to improved posture and decreased strain on the spine.

2. Increased Blood Flow and Oxygenation:

Walking boosts blood circulation throughout the body, delivering essential nutrients and oxygen to the muscles and tissues in the back. Improved blood flow helps reduce inflammation and promote healing in the affected areas, alleviating pain and discomfort. The increased oxygenation of tissues also aids in repairing damaged cells and supporting the overall health of the spine.

3. Improved Flexibility and Range of Motion:

Regular walking can enhance flexibility in the muscles and joints of the back, reducing stiffness and promoting better range of motion. By incorporating walking into your daily routine, you can loosen tight muscles, improve flexibility, and prevent muscle imbalances that can contribute to back pain. A flexible and mobile spine is less prone to injuries and can better withstand daily activities.

4. Weight Management:

Maintaining a healthy weight is crucial for reducing the strain on the back and preventing back pain. Walking is a beneficial form of cardiovascular exercise that can help with weight management by burning calories and increasing metabolism. By incorporating walking into your exercise routine, you can effectively manage your weight, reduce excess pressure on the spine, and lower the risk of developing back pain associated with obesity.

5. Stress Reduction and Mental Well-being:

Walking not only benefits the physical body but also has positive effects on mental health and emotional well- being. Regular physical activity like walking stimulates the release of endorphins, often referred to as “feel-good” hormones, which help alleviate stress, anxiety, and depression. Lowering stress levels can also lead to a reduction in muscle tension and pain, including back pain.

Conclusion:

Incorporating walking into your daily routine is a simple yet powerful way to manage and alleviate back pain naturally. From strengthening core muscles to improving flexibility and reducing inflammation, walking offers a multitude of benefits for the body and mind. By taking proactive steps to include walking in your lifestyle, you can not only find relief from back pain but also enhance your overall health and well-being. Remember to start slowly, listen to your body, and gradually increase the intensity and duration of your walks to reap the full benefits of this accessible and enjoyable form of exercise.

Dr. Matt Smith has been a Chiropractor in Saratoga Springs for 36 years. He and his daughter Dr. Kevy Smith Minogue can be reached at 518-587-2064 or at MySaratogaChiropractor.com.

Saratoga Senior Center Calendar

Written by Saratoga TODAY on . Posted in Families Today.


5 Williams Street, Saratoga Springs • 518-584-1621

Open to the Public:

Senior Center Olympics

Wednesday, August 7 • 1 p.m.

Let’s celebrate the Olympic games! Play ring toss, ping pong, connect four, board games and more. Watch the Olympics live. Wear your favorite Olympic gear. Snacks and refreshments provided.

“They’re Off at Saratoga” with Charlie Kuenzel 

Tuesday, August 13 • 1 p.m. 

Charlie is President of the Saratoga History Museum and spends his free time educating and entertaining thousands of people about the Spa City’s history. This presentation will be a historical view of the 161 years of thoroughbred racing at Saratoga from John Morrissey to modern icons of the sport. Come and enjoy the history topic that has been such an important part of our city. Enjoy free pizza, refreshments and more.

Dine in Dinner with Home of the Good Shepherd 

Wednesday, August 21 • 5:30 p.m. 

Meatloaf with gravy, mashed potatoes, garlic green beans, gazpacho soup, and peach pie provided by Home of the Good Shepherd.

Senior Day at the Track – Sponsored by NYRA
Wednesday, August 28

Spend the day at the Saratoga Racetrack! Includes grandstand admission, burger or breakfast sandwich and beverage from the Trackside Grill, and a shuttle from the Center if needed. If you would like to use the shuttle, please contact the front desk to sign up for a time slot, spots are limited. Shuttle will pick-up at the YMCA pavilion parking lot.

Labor Day BBQ
Thursday, August 29 • 1 p.m.

Let’s celebrate with a Senior Center BBQ! Join us at the YMCA pavilion for a hearty lunch and live music with Bill Gervasio. Chicken, ribs, mashed potatoes, ice cream social and more will be provided. Play patriotic trivia, bingo, yard games and more. 

Van Trips in August 

Lunch bunch – jumpin’ jack’s drive in – Friday, August 9 • 11 am

Enjoy lunch at Jumpin’ Jack’s Drive In in Scotia, NY. Burgers, fries, milkshakes, and more! 

Pay $10 at sign up. Bring lunch money. Leave the Center at 11 am. Return about 2:30 pm.

Old Tavern Farm – Saratoga springs 

Thursday, August 15 • 12:30 pm

Old Tavern Farm is a private boutique thoroughbred-breeding farm on Saratoga Lake, that also produces wine, flowers and merchandise. Enjoy a tour of the facilities, behind the scenes experience of a working thoroughbred breeding farm, portfolio wine tasting, complimentary charcuterie and interaction with the thoroughbreds.

Pay $40 at sign up. Leave the Center at 12:30 pm. Return about 3:30 pm. This van trip is supported by the Alfred Z. Solomon Charitable Trust.

Saratoga National Historical Park, stillwater 

Wednesday, August 21 • 9:30 am

Enjoy a visit to the Saratoga National Historical Park. Watch a 20 minute video on the Battles of Saratoga, explore a Revolutionary War timeline exhibit, a display on the international effects of the American victory here and shop at the museum store. After, enjoy lunch at Carsons Woodside Tavern.

Pay $5 at sign up. Bring lunch money. Leave the Center at 9:30 am. Return about 2 pm. 

Oklahoma Track Tour, saratoga springs 

Monday, August 26 • 8:30 pm

Saratoga racing season is here! Enjoy a guided tour of the Oklahoma Track with staff from the National Museum of Racing. Learn fun facts about Saratoga’s first racetrack while watching thoroughbreds train. After, enjoy lunch at Shirley’s Diner.

*Must be able to walk independently during tour for up to one mile*

Pay $10 at sign up. Bring lunch money. Leave the Center at 8:30 am. Return about 1 pm. This van trip is supported by the Alfred Z. Solomon Charitable Trust.

TRIP POLICY

• Van trips are for members only

• One day bus trips are open to anyone regardless of age or residence.

• Multi-day bus trips and excursions are open to anyone regardless of age or residence.

• There are no refunds for van or bus trips unless canceled by the Center

• All times for our van trips are approximate. We do not guarantee a return time to the Center

Getting Ready to Take the Next Step

Written by Katherine Morna Towne on . Posted in Families Today.


“Mothering Boys”

I recently read an article that contained the phrase “soiling the nest,” which caught my eye because it was used to explain behavior by college-bound kids the summer before their freshman year. Since I’m currently in one of those summers, as I was two years ago and will be again every two years going forward until the end of time (or so it seems), behavior that is common enough among that group to have a term attached to it is interesting to me. As I understood it, this particular term is used to explain difficult behavioral issues that might pop up or increase in the college-bound child during that final summer at home. I imagine it can be used to describe similar issues in any person of that age, college bound or not — any person on the cusp of a new life and all that that means; any person who is closing a door on all that he or she ever knew. These behaviors might be the person’s way of dealing with this new life transition — “soiling” what’s left behind as a way of making it easier to leave behind. 

Funny enough, when I read that, it wasn’t my own kids that came to mine, but me myself! I distinctly remember going through something like this when I was their age. I’m not even sure my parents would agree with me on this point — I was blessed with a basically easy temperament and I really didn’t cause my parents trouble, but I do remember feeling “itchy” both before heading to college and before getting married. This “itchiness” was definitely a mix of terror and sadness at leaving behind beloved and comfortable stages of my life on the one hand, and terror and eagerness to see what the next stage would bring. I wanted all the benefits of being grown up without actually being grown up. This tension often made me feel annoyed, irritated, and more impatient than usual with the people closest to me. I mostly just wanted to be left alone — I didn’t want to deal with the inescapable demands of relationships, nor the responsibilities that come with being a member of a household, nor even the responsibilities of having a job. Mostly, I wanted to sleep. I’ve always worked through things in my mind while sleeping, and when I’m feeling very overwhelmed, I start to feel very tired, like I can’t keep my eyes open. “Wake me when it’s over!” might be an accurate way of explaining what my mind and body start yelling when things get stressful.

I haven’t really seen “soiling the nest” from my college boys, but this idea of “working through things” in various ways is definitely something I’ve noticed. I remember during the summer before my oldest left for college, he amped up his running. He’d always been a runner — he ran Cross Country and track in high school and kept it up during the off seasons as well — but that summer I saw a new intensity. Before, his normal might have been to run a few miles every other day or so. Sometimes he’d do every day. He wouldn’t usually run more than five miles at a time, though once a week or so he’d throw in a long run. But that summer, it seemed to me that he was averaging ten miles a day, every single day. He would just *go* and I wouldn’t see him for hours. He’d run the three miles from our house to the state park as a warmup, then run a couple varsity loops (about three miles each), then run home as a cool down — and sometimes go out again later for another run! From the outside, he just looked like any committed runner, but I could practically see the wheels turning in his head, fueling his runs. His mind was using his legs to try to work through it all. I knew that he’d made the transition to college and adjusted well when he stopped running so much later that fall and winter.

My second boy isn’t a runner, but I see his mind churning through things as well. He’s taking a lot of walks — long walks alone in addition to nightly walks with his dad. I’m seeing an increase in computer time — earbuds in, computer open in front of him, often laughing out loud at whatever YouTube video he just watched. I’m seeing an increase in a desire to avoid talking about anything to do with college — no, he doesn’t want to weigh in on towel colors; no, he doesn’t know what kind of school supplies he’d like; no, he doesn’t want to print out his fall schedule. I’m seeing an increase in sleepiness and general exhaustion — just like his mama. It’s killing him to hear of things his brothers will be doing in the fall that he won’t be here for, and he is not happy that we keep telling him he can’t come home every weekend. At the same time, though, he definitely feels like high school is a thing of the past. 

If it weren’t the summer before college, these kinds of behaviors would be concerning to me, and you can be sure I’ll keep an eye on them to make sure that they even out once he gets acclimated to school, but all summer I’ve been thinking about how there are documented summer-before-college changes in behavior — some of which have been called “soiling the nest” — and I remember my own out-of-character behavior from that time, and my oldest running his heart out, and I assure myself this is a necessary part of the process. It’s not easy growing up! 

It’s not easy growing up for kids, and it’s not easy for mamas, either. That’s a common back-to-school thought, though, isn’t it?! I hope this new school year and all the new growing-up things that come with it go as peacefully as possible for all of you and your little ones.

Kate and her husband have seven sons ages 19, 18, 16, 14, 12, 10, and 5. Email her at kmtowne23@gmail.com.

Computer Vision Syndrome (CVS)

Written by Susan Halstead on . Posted in Families Today.

Computer vision syndrome, also known as digital eye strain, encompasses a range of eye and vision-related problems caused by prolonged use of computers, tablets, e-readers, and cell phones. Individuals often experience significant eye discomfort and vision issues during extended periods of digital screen use. The severity of these symptoms typically correlates with the amount of time spent on digital devices.

Prevalence and Mitigation

With the average American worker spending seven hours a day on computers, either in the office or working from home, it is crucial to adopt strategies like the 20-20-20 rule to alleviate digital eye strain. This rule suggests taking a 20-second break to view something 20 feet away every 20 minutes.

Causes and Risk Factors

The unique characteristics and high visual demands of computer and digital screen viewing can cause the eyes to work harder, making many individuals susceptible to vision-related symptoms. Factors contributing to CVS include:

Uncorrected vision problems

Differences between viewing digital screens and printed pages

Reduced contrast between letters and background

Glare and reflections on screens

Varying viewing distances and angles

Postures adopted to see the screen clearly, leading to muscle spasms or pain

Symptoms

Common symptoms of CVS include:

Eyestrain

Headaches

Blurred vision

Dry eyes

Neck and shoulder pain

These symptoms often result from:

Poor lighting

Glare on digital screens

Improper viewing distances

Poor seating posture

Uncorrected vision problems

Diagnosis

A comprehensive eye examination can diagnose CVS, with tests focusing on visual requirements at the computer or digital device working distance. Key components of the examination include:

• Patient history

• Visual acuity measurements

• Refraction tests

• Testing eye focus, movement, and teamwork

Treatment

Treatment for digital screen-related vision problems typically involves regular eye care and making changes in how screens are viewed. Some solutions include:

Prescribing glasses specifically for computer use

Using special lens designs, powers, tints, or coatings

Vision therapy for focusing or coordination problems

Proper body posture and screen positioning

Minimizing glare and using anti-glare screens

Taking regular rest breaks and blinking frequently

Prevention

To prevent or reduce CVS symptoms, consider:

Controlling lighting and glare

Establishing proper working distances and posture

Correcting even minor vision problems

Additional Tips for Sufferers

Get an annual thorough eye exam

Ensure glasses meet job demands

Minimize blue light exposure and glare

Adjust the work area and computer for comfort

Use an adjustable copyholder

Take alternative task breaks throughout the day

Adopting these measures can help manage and prevent the discomfort and vision problems associated with computer vision syndrome.

Susan Halstead, ABOC, FNAO is Nationally and NYS Licensed Optician and Owner of Family Vision Care Center at 6B Carpenter Lane in Saratoga Springs. Susan can be reached for comments or questions by texting or calling (518)584-6111 or email Susan@familyvisioncarecenter.com

Stock Market Corrections Play a Vital Role

Written by Stephen Kyne, CFP on . Posted in Families Today.

Stock market corrections are a necessary and important part of maintaining a healthy and sustainable market in the long-term. While they can be unsettling and even frightening for investors, corrections serve the important function of allowing the market to adjust and reset itself, ultimately leading to a more stable and efficient market environment.

A stock market correction is generally defined as a decline of 10% or more from recent highs. Corrections can happen for a variety of reasons, including economic data releases, geopolitical events, or changes in investor sentiment. While they can be sudden and dramatic, corrections are a natural part of the market cycle and are necessary for the market to correct excesses and become more aligned with the underlying fundamentals of the economy.

One of the key reasons why corrections are important is that they can help prevent market bubbles from forming. Bubbles occur when asset prices, such as stock prices, rise rapidly and significantly above their intrinsic values. When a bubble bursts, it can lead to a sharp and severe market decline, resulting in significant losses for investors. By allowing for corrections to occur, the market can reduce the likelihood of bubbles forming and keep asset prices in check.

Additionally, corrections may help to reset investor expectations and prevent irrational exuberance from taking hold. When stock prices are constantly rising, investors can become overly optimistic and lose sight of the risks involved in investing. Corrections serve as a wake-up call to investors, reminding them that markets can also go down and prompting them to reassess their investment strategies and risk tolerance.

Corrections help to weed out weak and overvalued companies from the market. During a correction, poorly performing companies are more likely to see their stock prices decline, while stronger and more fundamentally sound companies may see their stock prices hold up better. This process of separating the wheat from the chaff helps to strengthen the overall market by allowing the most deserving companies to thrive and grow.

In the long-term, corrections can also help to prevent catastrophic market crashes. By allowing for smaller and more frequent corrections, the market can release built-up pressure and avoid the sudden and severe declines that can occur in the absence of corrections. While corrections may be painful in the short-term, they ultimately serve to help protect investors from larger and more devastating losses down the road.

Stock market corrections are an essential component of maintaining a healthy and sustainable market in the long-term. By allowing for the periodic adjustment and recalibration of asset prices, corrections help to prevent bubbles, reset investor expectations, weed out weak companies, and ultimately protect investors from catastrophic losses. 

While they may be unsettling in the moment, corrections serve an important function in keeping the market functioning efficiently and effectively over the long-term. Investors should embrace corrections as a necessary and beneficial part of the market cycle, rather than fearing them as a sign of impending doom. Be sure to work closely with your Certified Financial Planner® professional to better understand how market corrections can affect your personal financial outlook.

Stephen Kyne CFP® is a Partner at Sterling Manor Financial, LLC in Saratoga Springs.   

Securities offered through Cadaret, Grant & Co., Inc. Member FINRA/SIPC. Advisory services offered through Sterling Manor Financial, LLC, or Cadaret Grant & Co., Inc., SEC registered investment advisors. Sterling Manor Financial and Cadaret, Grant are separate entities. 18 Division St, Ste 202, Saratoga Springs, NY 12866 518-583-4040

Back to School for Your College Students

Written by Matt Dorsey on . Posted in Families Today.


Legal Matters to Consider for Young Adults

With August now upon us, parents of college students are busy planning for their return to academic life in the coming weeks.  We all have our checklists – dorm fridge, sheets and towels, backpack, laptop – but how about their legal affairs?

When your child was a minor (under the age of 18 in New York) you were their parent and natural guardian.  When you took them to the doctor, the doctor would speak to you and you made their health care decisions.  When they wanted to open an account at the bank, you went with them and you were the co-signer.  Now that they are over 18 and a legal adult, the world has changed.

Below is a set of questions and answers to address the legal challenges of assisting your returning college student with their legal affairs.

What legal documents should my college student have?

They should have a power of attorney (POA), a health care proxy, and a health care information authorization, at a minimum.  Also – depending on their particular financial circumstances, they may need a Will.

Why should they have a POA?

They should have a POA for the same reason that all adults should have a POA.  It will allow them to choose someone they trust to handle their financial affairs, if they cannot do so themselves.  Temporary or permanent disability could occur to anyone, and if it does, you want to make sure you have a POA in place to ensure your financial affairs are handled properly.

Who should they choose as a POA agent?

Typically, they would choose one or both of their parents or another close family member or friend.  Under New York law, the agent will also have to sign the POA document.

Why should they have a Health Care Proxy?

As with a POA, they should have a Health Care Proxy for the same reason that all adults should have a Health Care Proxy.  It will allow them to choose someone that they trust to handle their health care decision making for them, if they cannot do so themselves.  The Health Care Proxy only takes effect if they cannot make their own health care decisions.

Who should they pick as Health Care Proxy agent?

As with a POA, they would typically choose one or both of their parents or another close family member or friend.  With a Health Care Proxy, you cannot choose two people to act together, i.e. you cannot choose Mom and Dad.  They will have to choose one first and the other second.  Of course, this does not mean that Mom and Dad will not discuss and decide things together – presumably they would.

Why should they have a health care information authorization?

Now that they are adults, the health care providers at their college will need their authorization to speak with their parents or other trusted family or friends about their medical care.  Generally speaking, they would want those people to be able to access their health care information and be part of their support team if they needed medical assistance.

What other health issues are important?

It is also important to make sure your child has appropriate health care insurance coverage for the state where your child will attend school.  Their college will usually require proof of your coverage or require you to pay for separate health care coverage that the school provides.

Should they have a Will?

That really depends on the financial circumstances and wishes of your college student.  If they do not have a Will, any assets they own in their name only will pass on to their closest relatives pursuant to the laws of intestacy, if they die.  In New York, if we presume that the student is unmarried and has no children, the laws of intestacy provide that their assets go to their parents. If they have no surviving parents, their assets go to their siblings.  If they have no parents or siblings, their assets go to more distant blood relatives.

Does a Will cover all of their assets?

No.  Their Will would not cover any assets they own jointly with someone else or which are payable to a named beneficiary.  For example, if they have a joint bank account with their mother, that account will go to their mother if they die.  As an additional example, if they have a life insurance policy on their life payable to their father, the death benefit on that policy will go to their father if they die.

As you are putting together your back-to-school checklist for your returning college student, it would be a good idea to add the following: POA, health care proxy, health care authorization, and possibly a Will.  If all of these documents are in place, you will be prepared if unforeseen financial or health care challenges occur during the upcoming academic year.

Matthew J. Dorsey, Esq. is a Shareholder with O’Connell and Aronowitz, 1 Court Street, Saratoga Springs, NY. Over his twenty-seven years of practice, he has focused in the areas of elder law, estate planning, and estate administration. Mr. Dorsey can be reached at (518)584-5205, mdorsey@oalaw.com and www.oalaw.com.