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The Importance of Stretching: A Guide to Neck and Back Health

Stretching plays a crucial role in maintaining a healthy body, particularly when it comes to the neck and back. Poor posture, sedentary lifestyles, and stress can lead to discomfort and stiffness in these areas. Incorporating regular stretching into your routine can enhance flexibility, alleviate pain, and improve overall well-being. 

Why Stretch Your 

Neck and Back?

Benefits of Stretching

1. Improved Flexibility: Regular stretching expands the range of motion in your neck and back muscles, which can help prevent injuries.

2. Reduced Muscle Tension: Stretching can relieve tension build-up, reducing pain and discomfort.

3. Enhanced Posture: Targeted stretches can improve alignment and posture, counteracting the effects of prolonged sitting and poor ergonomics.

4. Increased Blood Flow: Stretching promotes circulation, helping to deliver oxygen and nutrients to muscles.

5. Stress Relief: Stretching can reduce physical and mental stress, leading to a sense of relaxation and wellbeing.

 Neck Stretching Exercises

1. Neck Tilt

How to Do It: 

 Sit or stand up straight.

Gently tilt your head to the right, bringing your ear toward your shoulder.

 Hold for 15-30 seconds.

 Switch sides and repeat.

Targets: Side neck 

muscles (scalene and 

sternocleidomastoid)

 2. Neck Rotation

How to Do It: 

 Sit or stand with your back straight.

 Slowly turn your head to the right until you feel a gentle stretch in your neck.

 Hold for 15-30 seconds.

 Return to the center and repeat on the left side.

Targets: Neck muscles 

(levator scapulae and 

trapezius).

3. Chin Tucks

How to Do It: 

 Sit or stand with your back straight.

 Gently tuck your chin to your chest, keeping your neck aligned.

 Hold for 5 seconds and release.

 Repeat 10 times.

Targets: Deep neck flexors, 

improving posture.

Back Stretching Exercises

 1. Cat-Cow Stretch

How to Do It:

Start on your hands and knees in a tabletop position.

 Inhale as you arch your back (cow pose), lifting your head and tailbone.

 Exhale as you round your spine (cat pose), tucking your chin and pelvis.

 Repeat for 5-10 cycles.

Targets: Spine flexibility 

and abdominal muscles.

2. Child’s Pose

How to Do It:

 Kneel on the floor, touch your big toes together, and sit back on your heels.

 Reach your arms forward and lower your torso to the floor.

Hold for 30 seconds, breathing deeply.

Targets: Lower back, hips, 

and shoulders.

3. Seated Forward Bend

How to Do It: 

Sit with your legs extended in front of you.

 Inhale, raising your arms overhead.

 Exhale as you bend at the hips, reaching your hands toward your feet.

 Hold for 15-30 seconds.

Targets: Hamstrings, back, 

and calves.

 Tips for Safe Stretching

1. Warm Up First: Always warm up before stretching to prevent injury. Light aerobic activity (like walking) for 5-10 minutes is effective.

2. Listen to Your Body: Stretching should feel good, not painful. If you experience pain, ease off the stretch.

3. Breathe: Inhale deeply while stretching and exhale as you relax into the stretch.

4. Hold, Don’t Bounce: Hold each stretch for 15-30 seconds without bouncing, which can lead to strains.

5. Consistent Practice: Aim to stretch regularly—ideally daily or after exercise.

Incorporating neck and back stretches into your daily routine can significantly enhance your flexibility, alleviate discomfort, and contribute to better posture. Whether you’re at home, at work, or on the go, these simple exercises can help you maintain a healthy spine and prevent chronic pain.

Dr Matt smith has been a chiropractor in Saratoga Springs for forty years, He and his daughter, Dr Kevy Smith Minogue practice at 50 Seward Street. Online appointments can be made at WWW.MySaratogaChiropractor.Com

Train Rides with Poppie

My boys have long loved the Saratoga Springs Train Station. When they were small, we would often take rides on summer evenings (oh those days of no air conditioning were so long, and so hot, and I looked forward to our ride every night — it was more for me than for them!), and we would usually end it at the train station around the time a train would be pulling in. We’d park the van and feed them dinner — whatever easy, portable thing I could put together (hot dogs, grilled cheese, string cheese and apple sauce) — while watching the big engine roll to a stop, and then pull out again a few minutes later. The boys absolutely loved it.

But the real thrill for them in regards to the train station has been what my Dad — their Poppie — devised when my oldest was three: Dad decided to take him on a train ride from Saratoga to Fort Edward — a half-hour trip — so my boy could have the experience of riding on a train without making it an overly long trip or breaking the bank. Ever since then, Poppie’s marked big-enough-boy status of his grandsons (usually the age of three, after diapers are done) by taking them on this same train ride. My four older boys have all had their trips, and my oldest nephew as well. And just a couple weeks ago, my No. 5 had his turn.

He’d been looking forward to it for a long time, and had been counting down for at least a month, and when the day finally arrived — oh! The excitement! I packed a little lunchbox for him with a juice box and his stuffed lamb lovey (his request), and we picked my dad up and got to the train station with about a half hour to wait for the train, which is perfect, because sitting in the train station is part of the experience. There are toys to play with and the bathroom to explore, and seeing the passengers arriving to wait for their trains and hearing the train information announced on the loudspeaker increases the anticipation. At a certain point we go to sit on the benches outside by the tracks, and Dad points out the railroad lights and explains what they mean, and mimics the sound of the train whistle so we know what to listen for.

I have pictures of each one of my boys looking down the tracks and pointing when they see the train coming, and the looks of wonder and excitement and innocence can make you just cry. I have pictures of the boys holding Poppie’s hand and getting on the train, and I watch the train as it pulls away, waving, even though it was only this most recent time that I was able to see them waving back through the tinted windows (Dad said he made sure to put their hands right up against the glass this time).

Then I drive up to the Fort Edward train station, which is sweet and old-timey and has lots of fun gift-shoppy things to browse, and food and coffee as well, though I usually arrive just after the train’s passengers have departed, so Dad and his grandson are usually sitting on a bench waiting for me (and if that’s not the cutest picture ever, I don’t know what is).

But the adventure’s not over there! On the way home we stop at the Dog Shack in Hudson Falls for their three-for-$1.89 hot dogs, which are easily one of my very favorite things to eat (and that price!), and we stop at Stewart’s for a milkshake or a lemonade, which makes my job as chauffeur one of my very favorite tasks (I look forward to the train rides nearly as much as the boys for the food alone).

It’s not uncommon for the boy to fall asleep on the way home, after the weeks of anticipation and the excitement of the train ride and hot dogs themselves, and I suspect Poppie takes a good long nap when he gets home as well. It’s a great way for a grandfather and his grandchild to spend time together, and it’s definitely one of those childhood memory-makers. (My big boys still talk about their train rides.)

The train ride is just one of many little treats or surprises or experiences my dad has put together for his grandchildren over the years, just one example of the many ways in which he’s a wonderful Poppie for my boys and their cousins (he also just returned from a day-long field trip with my No. 2 to New York City, in which they both returned happy and exhausted). Thanks to him for being a great grandfather and role model! Happy Father’s Day to my dad, my husband and brothers and my boys’ godfathers, and all of you dads!

Kate and her husband have seven sons ages 21, 19, 17, 16, 14, 12, and 7. She can be reached at kmtowne23@gmail.com.

Saving for the Costs of College – Understanding Your Options

Scholarship. Graduate hat, piggy bank and coins on wooden table against light blue background, closeup

Throughout our community this month, high school seniors will be graduating and many of them will be heading off to college.  With college costs increasing faster than the rate of inflation, saving to pay for these expenses is certainly on the minds of many people.

One of the most common questions parents ask is how they can begin saving for their child’s future education expenses. With the cost of higher education continuing to rise, many families are looking for ways to put money aside while taking advantage of potential tax benefits and investment growth.

The following questions and answers provide a basic overview of potential college savings options.

How can I save for college?

For many families, a 529 college savings plan is the most widely used option.  A 529 plan is a tax-advantaged account designed to help families save for education expenses. Contributions are made with after-tax dollars, but the funds grow tax-free, and withdrawals are generally tax-free if used for qualified education expenses.

These plans can be used for many colleges, universities, trade schools, and other eligible educational institutions.

Who controls the account?

Typically, the person who establishes the account remains in control of the funds.

For example, a parent may open an account for a child while retaining the ability to manage investments and determine when distributions are made. If the original beneficiary does not need the funds, the account owner may be able to change the beneficiary to another family member.

Are there different 

types of plans?

Yes.  Every state in the nation, except Wyoming, sponsors a 529 plan.  You can invest in whichever state plan you want, but if you are a New York resident and invest in the New York plan, you are eligible for an income tax deduction.

What is the tax deduction?

You can get an income tax deduction of up to $5,000 for a single taxpayer and up to $10,000 for married couples filing jointly.  These deductions apply only to your New York State income taxes, not federal income taxes.  They are not per child but rather in total per tax return.

What can I invest in?

The New York 529 plan is managed by the Vanguard Group.  There are two basic options for the plan.  The first choice is an age-based investment option and the second is to develop your own custom investment strategy using the funds available through the plan.  

Are there different 

age-based options?

Yes.  You can choose Conservative, Moderate, or Aggressive age-based options.  Often people will choose the Aggressive option when a child is younger and then move to Moderate or Conservative options, as the child becomes older.  You can generally change your investment choice up to twice a year.

What other options 

are there?

If you are looking for another option that allows you to save money for college expenses with tax-free growth and tax-free withdrawals, another option would be a Coverdell Education Savings Account (ESA).  

How is it different 

from a 529?

The Coverdell ESA allows more flexibility to the investor.  You can invest in individual stocks if you wish, as well as exchange traded funds (ETFs) or mutual funds.  ETFs and mutual funds are available through 529 plans, but you are limited to the selection available through the investment firm managing that particular plan.  

Are there downsides?

Yes.  With a Coverdell ESA, you can only contribute up to $2,000 per beneficiary per year.  They are also phased out at higher income levels.  For single filers the phase out starts around $95,000 and for married couples filing jointly it starts at around $190,000.

What is more popular?

529 plans are certainly more popular today than Coverdell ESAs.  It is estimated that nationally over $600 billion is invested in 529 plans.

Are there other options?

You can certainly save in other ways for college expenses, including investing in taxable accounts, Roth IRAs, or savings bonds.  Based on your personal financial situation, other types of investment may make sense.  For example, if you are unsure if a child will be able to use the funds for educational purposes, you may want to save money in your Roth IRA for them.  

How would that work?

Generally speaking, the money in your Roth IRA would grow tax free and be distributed tax free, just as with a 529 plan.  With a 529 plan, you can only withdraw money for qualified educational expenses, and you can change the beneficiary of the plan, but only to another family member.  With a Roth IRA, you can withdraw your funds for whatever purpose you wish.  Roth IRAs are, however, subject to income and contribution limits.  In addition, to the extent you are using your Roth IRA to save for a child’s education, those funds will not be available for your own retirement.  There are also some withdrawal restrictions with regard to Roth IRA earnings that you would want to discuss with a tax advisor.

The cost of higher education can seem overwhelming, but there are a number of tools available to help families prepare. Whether through a 529 plan, a Coverdell ESA, or another savings strategy, taking action today will help reduce financial stress in the future.

As with any financial planning decision, families should consider consulting with qualified legal, tax, and financial professionals to determine which approach is best suited to their individual needs and objectives.

Matthew J. Dorsey, Esq. is a shareholder with O’Connell and Aronowitz, 1 Court Street, Saratoga Springs, New York.  Over his twenty-nine years of practice, he has focused on 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.

Is Your “Safe” Retirement Portfolio Becoming a Speculative Tech Bet?

Artificial intelligence improving investment strategy, time efficiency, and financial performance with data-driven growth charts, money stacks, and clock symbol, 3d rendering.

A structural shift has been emerging for investors who rely on low-cost index funds within their personal and retirement accounts for an easy source of diversification. Over the past several years, driven by market interest and expectations surrounding artificial intelligence, several technology companies have drawn outsized investment. As a direct result, these companies have claimed a much larger share of indices than many investors may realize, thereby potentially reducing the true diversification historically provided by these funds.

With prominent private firms like SpaceX, OpenAI, and Anthropic preparing for potential public market debuts, a massive wave of equity could soon enter public markets. While highly anticipated, these mega-cap listings introduce specific risks for everyday passive investors, potentially altering the risk profile of traditionally diverse index funds.

Historically, companies tended to go public early in their growth cycles. When Amazon launched its IPO in 1997, it was valued at a modest $438 million. Public index investors who held the stock captured its long-term upward trajectory. Today, the environment has shifted. Venture capital and private markets now frequently sustain companies until they reach massive valuations. SpaceX is reportedly aiming for a valuation near $2 trillion, while OpenAI and Anthropic are discussed at levels approaching or exceeding $1 trillion.

Consequently, a significant portion of the exponential, early-stage growth may already be realized by private institutional backers before a public listing occurs. When these companies enter an index, passive investors are not necessarily getting in on the ground floor; instead, they may be purchasing shares at peak private valuations, potentially reducing the historical margin for error.

Traditional index investing assumes that the largest companies in a benchmark are mature, cash-generating enterprises. Frontier artificial intelligence and aerospace infrastructure, however, require unprecedented capital expenditure. Developing and running advanced models demands substantial computing power, specialized semiconductors, and extensive data center infrastructure. OpenAI’s internal projections, for instance, point to billions in ongoing operational and inference costs. Similarly, SpaceX’s capital requirements remain steep as it expands its Starlink network and integrates advanced AI infrastructure.

Because cap-weighted index funds must replicate the market, they generally do not evaluate whether a stock’s current cash burn justifies its price; if a company is large enough, the fund is structurally mandated to purchase it. This means passive capital could be automatically directed into capital-intensive business models before they establish consistent, long-term profitability.

As it is, major market indices are already notably concentrated in a handful of technology giants. The “Mag-7” companies have recently comprised approximately 50% of the NASDAQ and 35% of the S&P 500. The addition of multi-trillion-dollar firms like SpaceX, OpenAI, and Anthropic could push this concentration to new extremes.

When a benchmark becomes heavily weighted toward a single narrative, true diversification can be diminished. If the commercial monetization of AI faces unexpected bottlenecks or slower-than-anticipated enterprise adoption, the mathematical weight of these few companies could disproportionately impact the value of the entire index.

Index funds operate on strict operational rules rather than active management discretion. Historically, index providers maintained seasoning periods, often requiring sustained profitability before a company could join a major benchmark like the S&P 500. To accommodate massive market demand, some index providers are exploring or utilizing “fast-track” inclusion mechanisms, allowing ultra-large-cap companies to enter an index shortly after their debut. For example, SpaceX may enter the NASDAQ after as few as 15 trading days, potentially before ever reporting quarterly earnings as a public company.

When a mega-cap stock is quickly added to an index, passive managers are required to purchase billions of dollars of the asset to prevent tracking errors, regardless of market volatility. To fund these sudden, massive acquisitions, index funds typically must sell off proportional shares of other stable, cash-flowing components within the index. This mechanic can lead to an artificial inflation of speculative assets at the expense of more traditional equities.

The potential public listings of major AI and technology pioneers represent a significant milestone for capital markets. For passive investors, however, it serves as a reminder that index funds are dynamic, shifting structures. As massive, capital-intensive firms enter core benchmarks, passive portfolios may inherently adopt a more speculative, concentrated exposure. It’s important that you work closely with your Certified Financial Planner® professional to better understand how your investment strategy may be affected.

Stephen Kyne, CFP® is a Partner at Sterling Manor Financial, LLC in Saratoga Springs. Sterling Manor Financial, LLC is an SEC Registered Investment Advisor. This article contains forward-looking statements and opinions based on information available at the time of writing, and is subject to change.

The Importance of Arch Supports for Foot Health

Foot health is a critical yet often overlooked aspect of overall well-being. Day in and day out, our feet endure immense pressure and stress from activities ranging from walking to running to standing for extended periods. One of the key contributors to foot health is the arch of the foot, which acts as a natural shock absorber and supports the body’s weight. For many, however, structural issues such as flat feet, high arches, or fallen arches can lead to discomfort or pain, making arch supports a valuable tool in maintaining foot health.

Understanding Foot Arches

The human foot has three main arches: the medial arch (inner side), the lateral arch (outer side), and the transverse arch (across the foot). These arches work together to distribute body weight, absorb shock, and aid in mobility. Variations in arch structure can lead to various foot problems. For instance, flat feet (or fallen arches) can disrupt the natural alignment of the body, while high arches can result in an inadequate distribution of body weight.

What Are Arch Supports?

Arch supports, often referred to as orthotics, are specially designed inserts that fit into your shoes to provide additional support to the foot’s arch. They can be over-the-counter products or custom-made by a podiatrist. The purpose of arch supports is to correct alignment, alleviate pain, and enhance overall foot function.

Benefits of Using Arch Supports

1. Pain Relief: Many individuals suffer from conditions such as plantar fasciitis, Achilles tendonitis, or general foot pain. Arch supports can help alleviate these conditions by reducing strain on the ligaments and muscles of the foot.

2. Improved Alignment: Proper arch support can help maintain the foot’s alignment, which can contribute to better posture and reduced strain on the knees, hips, and lower back.

3. Enhanced Comfort: Particularly for individuals who spend long hours on their feet (such as nurses, retail workers, or athletes), arch supports can provide cushioning and comfort by distributing pressure evenly across the foot.

4. Increased Performance: Athletes, in particular, may benefit from enhanced arch support as it can help improve stability and balance, leading to better performance in sports.

5. Prevention of Future Issues: Using arch supports can help prevent the development of foot-related problems, particularly for those with a family history of foot issues or those who are significantly overweight.

Types of Arch Supports

1. Over-the-Counter Inserts: Easily accessible and available in various shapes and sizes, these are useful for general arch support and comfort. In our office we recommend that you try these first. They are inexpensive and work 95 percent of the time.

2. Custom Orthotics: Created based on a prescription from a podiatrist, these are tailored to fit the unique shape of an individual’s foot, making them suitable for those with specific medical conditions or significant misalignments.

3. Heel Cups and Cushions: Often used for targeted relief, these products are designed to support the heel and reduce pressure on the arch.

4. Sport-Specific Supports: Designed for particular activities (running, basketball, etc.), these arch supports provide targeted support for the demands of the sport.

Choosing the Right Arch Support

Selecting the appropriate arch support involves considering several factors:

– Foot Type: Understanding whether you have flat, neutral, or high arches can guide your choice.

– Activity Level: Different activities may require different levels of support and cushioning.

– Footwear Compatibility: Ensure that the arch support fits well with the shoes you intend to wear.

– Professional Consultation: If you experience persistent pain or discomfort, consulting a podiatrist or Sports Chiropractor can help determine the best arch support for your needs.

Arch supports serve as a vital component in maintaining foot health and overall well-being. By alleviating pain, improving alignment, and preventing future foot problems, they contribute significantly to quality of life and physical performance. Whether you choose over-the-counter options or seek custom-made orthotics, prioritizing your foot health through proper arch support can yield tremendous benefits. Remember, healthy feet pave the way for an active and fulfilling life.

Dr Matt smith has been a chiropractor in Saratoga Springs for forty years, He and his daughter, Dr Kevy Smith Minogue practice at 50 Seward Street. Online appointments can be made at WWW.MySaratogaChiropractor.Com

You’re doing a great job! “Mothering Boys”

This column of mine from a few years ago was exactly what I myself needed to read, so I thought some of you might find it helpful as well!

I was talking to a first-time mom recently who was sure that certain things her little one is struggling with are, somehow, her fault: perhaps she didn’t play with him enough, she suggested, or spend enough one-on-one time with him. Mind you, her son is barely more than one; she and he are just out of the intense newborn/infant/first year time when there’s little else parents do than spend time with their baby. 

During that same conversation, another mom joined us — one whose kids are in college — and, though she didn’t know what we’d been talking about, she was eager to talk about motherhood with us because of us all having children. She mentioned something about how she’s sure she made so many mistakes when bringing up her kids, but they don’t seem to be “broken,” as she’d worried they might be.

A colleague of mine recently retired; I met her twenty-five years ago when she went back to work after raising a large family (her youngest was three at the time). Because of the number of kids she had, my friends and I looked to her as all-knowing about mothering, so it really made an impact on me when she replied to a coworker’s comment that she’s an expert on motherhood with, “You never become an expert.”

I’ve spent a lot of time on motherhood-focused social media and web sites over the past nineteen years and, if they are to be believed, the world is rife with mothers who don’t think they know what they’re doing, who are sure they’re doing it wrong, who are sure they’re ruining their kids somehow. Even those moms who seem super confident about their opinions and decisions struggle with this — you might not see it, but I can almost guarantee that it’s there. I’ve suffered from this quite a bit myself — there are so many things I worried about in the moment when my big boys were little (too much TV), things I wish I had given to my kids throughout my motherhood (cleaner house), and things I currently wish I could do (be at everyone’s game even though they’re all at the same time at different places). 

Though there are certainly things that mothers shouldn’t do, and legitimately bad mothers do exist, I thought that an article I read recently called “For Moms Who Worry a Lot” (2011) by Elliot Cohen, Ph.D. on the Psychology Today website gave a good perspective: he pointed out that if you are a mother who worries, it is because “you are a very caring human being. You want to do the right thing. You want to be there for your children.” How lucky your children are to have a mother who cares about them so! He also noted that a strategy that might help if you’re feeling overwhelmed with the certainty that you are a terrible mother is to “distinguish between morally responsible decisions and ones that aren’t. In general, the former are more caring, beneficial, and respectful than the latter.” I liked this a lot, because it might help weed out worry about whether or not to introduce a sippy cup, or whether or not to sign your child up for T-ball, or whether or not your children will be traumatized by having to share a room — in general these kinds of decisions wouldn’t fall in the “moral” or “immoral” category, and I find that a very helpful way to recalibrate my thinking and reduce my worry about possibly making the wrong decision.

I read another article called “You’re Doing It All Wrong” by Natalie Nevares on the Mommywise site, which presented a helpful perspective in an ironically stern way. She wrote, “You’re wrong to expect that you’ll ever be perfect. You’re wrong to feel guilty for anything you’re not doing right. You’re wrong to think that there is any right way to mother or parent. You’re wrong to believe that self-flogging will serve you or your family in any way. The media gives you trillions of reasons to feel like a bad mom, or not good enough in myriad ways. But that doesn’t mean it’s true, or that you’re failing at anything. You’re doing your best. You’ve got a hard job, but you’re showing up every day. The only thing wrong you’re doing right now is being hard on yourself.” 

I thought these were perfect reminders for all mothers of all-aged children on Mother’s Day! As my own mom always says, “Pray and do the best you can” — it’s really that simple! I hope you all have a wonderful Mother’s Day!

Kate and her husband have seven sons ages 18, 16, 14, 13, 11, 9, and 4. Email her at kmtowne23@gmail.com.

Estate Planning with the Family Home – What to do with an important asset

For many people, their most important and valuable asset is their family home.  What to do with your residence is a critical issue to consider when developing your estate plan.  There are several options available, and the following questions and answers cover the basic strategies.

Should I transfer my home while living?

There are several options to transfer your home when you are living, and whether they are right for you depends on your particular goals and circumstances.  The basic options include:  transferring your home outright, transferring your home and retaining a life estate, deeding your home to a trust, and doing a transfer on death (TOD) deed.

Why do a lifetime transfer?

A lifetime transfer of your home may make sense if you are interested in long-term care (LTC) planning or want to make it easier for your beneficiaries to receive your home after you pass away.  By “LTC planning”, I am referring to a transfer of your home which would protect it in the event you were admitted to a nursing home and wanted to apply for Medicaid.

How does LTC planning work? 

Generally speaking, if you want to engage in LTC planning, you would either transfer your home outright to a beneficiary, transfer it to a beneficiary and retain a life estate, or transfer it to an irrevocable trust.  For LTC planning to be effective, you must not apply for Medicaid to pay for nursing home care for at least five years after the transfer.  This five-year period is known as the “look back period”.

What are the differences?

Transferring your home outright is generally not favored because you would lose all control of the home, you would lose your STAR exemption, and your beneficiary would not get a step-up in tax basis when you pass away.  Transferring your home and retaining a life estate allows you to continue to live in the home without question, allows you to retain your STAR exemption, and gives your beneficiary a step-up in tax basis.  Transferring your home to an irrevocable trust gives you all the benefits of a life estate deed with additional flexibility.

What is the most common option?

Most commonly, people who are interested in LTC planning will transfer their home to an irrevocable trust, which is sometimes referred to as a Medicaid Asset Protection Trust (MAPT).  The additional flexibility of a MAPT includes the ability to change the beneficiaries.  You may also sell the home while you are living and purchase another home or invest the sale proceeds and receive the income generated by those invested funds.

Are there other options?

Yes.  There are certain exceptions to the five-year look back period rule.  For example, you may transfer your home to your spouse right before you enter a nursing home, and the transfer will not negatively affect your Medicaid eligibility.  You may also transfer your home to a caregiver child without an adverse effect on your Medicaid eligibility.  A “caregiver child” is a child of yours who has lived in your home for at least two years and provided care to you that prevented the need for you to enter a nursing home.

What if LTC planning is not a goal?

If LTC planning is not a goal of yours, then you can still consider the life estate deed as an option.  Another option that is relatively new in New York law is the transfer on death (TOD) deed.  The TOD deed allows you to name a beneficiary of your home after you die.  It has no value for LTC planning, but it will prevent the need to administer a trust or probate a Will after your death to facilitate the home transfer to your beneficiary.

How is it different from a life estate deed?

A TOD deed is different from a life estate deed because you can change the beneficiary at any time before you die, without the consent of the beneficiary.  By contrast, if you transfer your home to a beneficiary and reserve a life estate in a life estate deed, you cannot change that beneficiary without his or her consent.

What other options are there?

If LTC planning is not a goal of yours, then you can leave your home to a beneficiary in a revocable trust or your Last Will and Testament.  In contrast to a MAPT, a revocable trust does not protect your home for LTC purposes, but it will eliminate the need to probate your Will to transfer your home to your beneficiary.  Since a revocable trust is generally revocable and amendable as you see fit, you can change the terms, including the beneficiaries, whenever you wish.

What about using my Will?

If you properly execute a Will and you own your home at the time of your death, then your Will can provide for the transfer of your home to whomever you like.  Your home can be left to a beneficiary specifically, i.e. “I give my home to my son John” or it can pass as a part of a residuary clause, i.e. “I give the rest, residue, and remainder of my estate to my son John”.

As you can see, there are multiple options for the transfer of your home to beneficiaries either during your lifetime or after you pass away.  Which option is the best for you depends on your particular goals and circumstances.  In order to choose the best option for you, it is advisable to have a discussion with an experienced estate planning professional. 

Matthew J. Dorsey, Esq. is a shareholder with O’Connell and Aronowitz, 1 Court Street, Saratoga Springs, New York.  Over his twenty-nine years of practice, he has focused on 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.

Two Decades of Gained Wisdom

This month, Sterling Manor Financial celebrates a significant milestone: our 20th anniversary. When we opened our doors two decades ago, the financial landscape was markedly different. Over the years, we have navigated soaring bull markets, profound recessions, and unforeseen global events alongside our clients. Yet, as we reflect on the past twenty years, some of the most valuable lessons we have learned regarding financial planning and retirement preparedness are not based on complex economic models or predictive algorithms. Instead, they are deeply rooted in human behavior.

We have learned that planning for the future is an ongoing process of action and revision. Often, individuals seek a rigid roadmap that promises a straight line to their retirement goals. However, life rarely adheres to a straight line. Unexpected health challenges, career shifts, and family needs inevitably arise. We have found that true preparedness is not about attempting to predict the future with absolute certainty. Rather, it is about building flexibility and resilience into a financial strategy. A successful plan must be able to adapt when life presents unexpected challenges; resilience ultimately outweighs the pursuit of perfection.

Time and again, we have observed that the most significant barrier to a successful retirement is often not a lack of financial resources, but the natural human urge to react impulsively to short-term market fluctuations. During periods of economic uncertainty, the instinct to alter strategies can be overwhelming. Emotional discipline consistently proves to be as important as mathematical optimization. An investor might possess a flawlessly diversified portfolio, but if market volatility triggers panic, theoretical math provides little protection. Consequently, a substantial part of our role involves helping clients maintain their perspective and stay the course. Enduring turbulence is challenging, but it remains essential for long-term financial success.

Our experience has also shown that retirement is as much a psychological transition as it is a financial milestone. In the past, retirement was often viewed purely as a financial equation: reaching a specific target number meant the journey was complete. However, clients who focus exclusively on their financial capital often struggle with the sudden loss of structure and identity when they leave the workforce. The individuals who experience the most fulfilling retirements are those who retire to a defined purpose, rather than simply retiring from a career. Whether it involves philanthropy, pursuing delayed passions, or dedicating time to family, having a clear sense of purpose is just as vital as maintaining a robust retirement account.

It has been a distinct privilege to serve our clients over the past two decades. As we look to the future, our core mission remains steadfast: to help guide clients toward lasting financial stability and help build a meaningful, resilient life. Thank you to the Saratoga Springs community for being a part of our story, and for placing your trust in Sterling Manor Financial for the past twenty years. We look forward to continuing this journey together.

Stephen Kyne, CFP® is a Partner at Sterling Manor Financial, LLC

Sterling Manor Financial, LLC is an SEC Registered Investment Advisor and does not provide tax or legal advice, nor is it a third-party administrator. Consult your attorney or accountant prior to implementing any tax or legal strategies

Spring into Fitness:A Comprehensive Guide to Getting More Fit This Season

As the chill of winter melts away and the air fills with the scent of blooming flowers, spring arrives with more than  just beautiful landscapes—it brings a fresh opportunity to revamp our health and fitness routines. This season of renewal and growth is the perfect time to rejuvenate your body and achieve your fitness goals. Whether you’re looking to shed winter weight, build strength, or simply boost your overall well-being, here are effective strategies to help you get more fit this spring.

1. Embrace the Outdoors

Spring weather offers an inviting environment for outdoor activities. Take advantage of the longer days and warmer  temperatures by spending more time outside. Here are some ideas:

-Running and Walking: Start a running or brisk walking routine in your local park or around your neighborhood. The sights and sounds of nature can motivate and energize you.

– Cycling: Dust off your bike and explore local trails. Cycling is an excellent way to improve cardiovascular fitness  while enjoying scenic views.

– Hiking: Discover nearby hiking trails. Hiking is not only a great workout, but it also allows you to connect with nature and enjoy the beauty of the season.

– Outdoor Fitness Classes: Look for local fitness classes that take place in parks or open spaces. Options may include yoga, boot camps, or group cycling classes.

2. Set Achievable Goals

As you embark on your fitness journey, setting clear and achievable goals can provide focus and motivation. Consider using the SMART criteria:

– Specific: Define what you want to achieve (e.g., “I want to run a 5K”).

– Measurable: Create metrics to track progress (e.g., “I’ll run twice a week and increase my distance by 10% each week”).

– Achievable: Ensure your goals are realistic given your current fitness level (e.g., if you’re new to running, aim to complete a 5K walking event first).

– Relevant: Align your goals with something meaningful to you (e.g., improving heart health or boosting energy levels).

– Time-bound: Set a deadline (e.g., “I will complete a 5K in three months”).

3. Create a Balanced Routine

To prevent boredom and work different muscle groups, create a well-rounded fitness routine that includes:

– Cardiovascular Exercise: Aim for at least 150 minutes of moderate-intensity aerobic exercise each week. This can be broken down into manageable sessions (e.g., 30 minutes, five times a week).

– Strength Training: Incorporate strength training exercises at least twice a week. Use bodyweight exercises (like push-ups and squats) or resistance bands, or lift weights to build muscle.

– Flexibility and Balance: Don’t neglect stretching and balance work. Activities like yoga or Pilates can enhance flexibility, reduce the risk of injury, and improve overall body awareness.

4. Focus on Nutrition

Getting fit isn’t just about exercise—it’s also about nutrition. As you increase your activity level, ensure you’re fueling your body with the right nutrients:

– Whole Foods: Prioritize fruits, vegetables, lean proteins, whole grains, and healthy fats. These foods provide essential vitamins and minerals to support your fitness goals.

– Stay Hydrated: As temperatures rise, hydration becomes critical. Aim for at least eight glasses of water per day and adjust based on your activity level.

– Meal Planning: Organize your meals to avoid unhealthy snacking. Planning ahead helps ensure you have nutritious options available, making it easier to stick to your goals.

5. Prioritize Recovery

Recovery is just as vital as the workouts themselves. Incorporate rest days into your routine to allow your body to heal and adapt. Consider the following for optimal recovery:

– Listen to Your Body: If you feel fatigued or experience pain, take a break. This will help prevent injuries and promote long-term consistency.

– Sleep: Aim for 7-9 hours of quality sleep each night. Sleep is essential for muscle recovery and overall wellbeing.

– Active Recovery: On rest days, engage in light activities like walking, gentle yoga, or swimming to keep the blood flowing without stressing your body.

6. Stay Motivated and Accountable

Motivation can wane over time, so surround yourself with support. Here are some ways to stay inspired:

– Workout Buddy: Find a friend or family member with similar fitness goals. Exercising together can make workouts more enjoyable and hold you accountable.

– Fitness Challenges: Sign up for local races, challenges, or fitness programs. The excitement of preparing for an event can keep you motivated.

Spring is a time of renewal and vitality, making it the perfect opportunity to enhance your fitness levels and embrace a healthier lifestyle. Schedule an appointment online with Dr Kevy Smith Minouge or Dr Matt Smith for advice and help getting started.

Dr Matt smith has been a chiropractor in Saratoga Springs for forty years, He and his daughter, Dr Kevy Smith Minogue practice at 50 Seward Street. Online appointments can be made at WWW.MySaratogaChiropractor.Com

Survival kit for mind and body(band-aids, ice packs, tea cloths)

My mother-in-law passed away ten years ago this month, and recently, more than once, my husband and I have exclaimed to each other, “Ten years! I can’t believe it’s been ten years!” She was a wonderful grandmother and I’m so sorry my youngest boys didn’t get to know her. I wrote this piece a year after she died and was thinking about it recently — it’s a perfect one to run again, both for her memory and for this time of year.

I’ve come to realize that one of my failings in my motherhood is my perspective on band-aids.

Do your kids think every wound is magically healed with the application of a band-aid? Mine do, and it really bugs me — most times when they ask for a band-aid, I tell them no, they don’t need a band-aid; I’m not getting a band-aid to put on that tiny scratch.

I don’t know why I’m like that though — they’re easy and inexpensive and band-aids do absolutely make the kids feel better. Just the other day my littlest guy had a hangnail, and you would have thought his hand was falling off. He whimpered and fussed about it all morning, holding his hand in the air, refusing to use that hand to do anything. We all know how painful those tiny hangnails are, especially when they catch on things, but he and I were out and about running errands that morning, and I just really didn’t know what to do for him — until I remembered the first-aid kit I keep in the van. I asked him if he’d like a band-aid, and he immediately shook his head yes, and I put the band-aid on, and he stopped fussing. He continued holding his hand in the air for the rest of the day, and showed the band-aid to anyone who glanced in his direction, but he was happy and he felt better — which has always been the case with any of my kids in regards to band-aids, no matter how big or small the injury — so I really don’t know why I don’t just relax more about them.

I was telling a friend about this recently — the very day my boy was showing his bandaged hangnail to anyone who would look — and she was agreeing that band-aids often seem to help kids feel better, and said that she’s found that ice packs seem to have the same effect. Of course! I’d forgotten about ice packs! Ice packs were one of my mother-in-law’s go-to’s, God rest her. Any kind of trip or bump by the kids, any whimper of any kind, and she went running for an ice pack. It always seemed to me maybe a little melodramatic, and I didn’t want my kids to be wimpy, but it is true they always seemed to feel better with an ice pack, and her care for their little-boy bumps and bruises was one of the many reasons my kids were crazy about her.

I’ve suffered with terrible springtime allergies for most of my life, and when I was in high school and playing softball just about every night of the week during my peak pollen months, I’d often come home with eyes so swollen that I was asked more than once if someone had punched me. My mom would soak two chamomile tea bags in cold water, then wrap them in a clean cloth and tell me to lie on the couch with the tea-cloth on my eyes. She’d read somewhere that doing so would help irritated allergy eyes (and it’s totally a thing, the internet confirms!), but the psychological benefits were just as helpful to me. It was so soothing to be relieved of all my responsibilities for a while (“Sorry Dad, I can’t help with the dishes — Mom says I have to lay here with this cloth on my eyes”). Mom would come sit on the couch next to me, and fuss over me, and I was comfortable and would often doze off, and after a while my eyes felt so much better. To this day, the tea-cloth evenings, which I still do when I need to, are an actual bright spot to having pollen allergies.

So I should totally get the band-aid and ice-pack thing, because I think they’ve got some similarities to the tea-cloth thing: they’re as much psychological balms as physical ones, and they’re a little bit like badges of honor — a little bit of, “Yes, I’m suffering, you may feel free to treat me in a special and sensitive manner.” Which I guess we all need from time to time.

Fortunately for my kids, my husband is the opposite of me in regard to the band-aids (which makes sense, since he was raised by the ice-pack lady). He’s sensitive to what will help them feel better and quick to make it happen — a nice balance to my No Wimps! mentality.

I’m determined to do better with this. I have “band-aids” on my shopping list as I write this. I might even get ones with characters on them, which I’ve never done before. Maybe it’s because my allergy season has begun that I’m feeling extra empathetic (which can be counted as another bright spot to having allergies, right?), or maybe because it was a year ago this month that my mother-in-law passed away and she’s on my mind. Whatever the reason, if you see my boys covered in band-aids this spring, you’ll know why.

Kate and her husband have seven sons ages 21, 19, 17, 16, 14, 12, and 7. She can be reached at kmtowne23@gmail.com.