For many individuals, standing for prolonged periods during work or daily activities can lead to back pain and discomfort. However, with the right techniques and habits, you can minimize the chances of developing such issues.

1. Maintain Proper Posture:

One of the key factors in preventing back pain while standing is maintaining good posture. Ensure that your shoulders are relaxed, your back is straight, and your weight is evenly distributed on both feet. Avoid slouching or leaning forward, as this can put unnecessary strain on your back muscles.

2. Wear Supportive Footwear:

Invest in comfortable, supportive shoes with cushioning and proper arch support. Avoid high heels or shoes with inadequate support, as they can alter your posture and contribute to back pain. If your job requires you to stand for long hours, consider using orthotic inserts for additional support.

3. Take Regular Breaks:

It’s essential to give your body a break from standing to relieve pressure on your back muscles. Try to incorporate short breaks into your routine, allowing you to sit down, stretch, or walk around for a few minutes. This can help improve circulation and reduce muscle fatigue.

4. Stretch and Strengthen Muscles:

Performing regular stretching and strengthening exercises can help prevent back pain and improve your overall posture. Focus on exercises that target the core muscles, such as the abdominals and lower back, as well as the legs and hips. Yoga or Pilates can be beneficial in improving flexibility and muscle strength.

5. Use Proper Ergonomics:

If you have a standing desk or workstation, ensure that it is set up ergonomically to support your body properly. Adjust the height of the desk and monitor to reduce strain on your neck and back. Consider using an anti-fatigue mat to provide cushioning and support for your feet.

6. Stay Hydrated and Maintain a Healthy Weight:

Dehydration can contribute to muscle cramps and fatigue, so be sure to drink plenty of water throughout the day. Additionally, maintaining a healthy weight can reduce the strain on your back muscles and joints when standing for extended periods.

7. Practice Mindfulness and Relaxation Techniques:

Stress and tension can exacerbate back pain, so it’s essential to practice relaxation techniques such as deep breathing, meditation, or mindfulness. Taking a few minutes to relax and focus on your breathing can help alleviate muscle tension and promote overall well-being.

By incorporating these tips into your daily routine, you can effectively prevent back pain while standing all day. Remember that each individual’s body is unique, so it may be necessary to adjust these strategies to suit your specific needs. Prioritizing your posture, taking breaks, staying active, and practicing self-care are essential steps towards maintaining a healthy back and overall well-being, even in situations that require prolonged standing.

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.

Susan Halstead is a Nationally and NYS Licensed Optician and is the owner of Family Vision Care Center in Saratoga Springs. FVCC has been serving Saratoga County since 1920 with Susan as it’s third owner. Susan can be reached for comments or questions via text or call (518)584-6111 or email Susan@familyvisioncarecenter.com

As the summer sun warms our days and children revel in the freedom of extended hours, it’s also a pivotal opportunity to focus on their eye health. For many young ones, managing myopia—or nearsightedness—can be a significant part of their health journey. With the advent of myopia control programs, this season presents an ideal window for families to consider proactive steps in their children’s eye care routines.

Myopia, a condition where distant objects appear blurry, has seen a marked increase in prevalence among children in recent years. Factors such as increased screen time and reduced outdoor activities are contributing to this trend. However, advancements in optometry have introduced innovative solutions to tackle myopia progression effectively.

Summer vacation offers a unique advantage for initiating or intensifying myopia control efforts. With more leisure time, children can better acclimate to wearing corrective lenses, particularly contact lenses which require a period of adjustment. These lenses not only correct vision but can also play a crucial role in slowing down the rate of myopia progression. Proper usage and care of contact lenses can be learned and practiced more consistently during the relaxed summer months, setting children up for success as they return to their school routines.

Moreover, summer camps and recreational activities provide opportunities for kids to experience various environments while wearing contact lenses, thereby enhancing their comfort and confidence in using them. Optometrists specializing in myopia control can guide families through the process, ensuring that each child receives personalized care and optimal vision correction strategies.

Parents and guardians are encouraged to seize this season as a chance to prioritize their children’s eye health. By participating in myopia control programs, families not only address current vision concerns but also invest in their children’s long-term eye health and well-being. Early intervention and consistent management are key in mitigating the progression of myopia, ultimately promoting healthier eyesight into adulthood.

As we embrace the joys of summer, let us also embrace the opportunity to safeguard our children’s vision. Myopia control programs empower families to take proactive steps towards maintaining clear vision and healthy eyes for their children. Together, we can ensure that this summer shines brightly with both fun-filled activities and a clear focus on eye health.

With the dollar currently dominating the currency markets, now is the perfect time to take advantage of its strength when planning your summer travel. For those looking to explore new destinations or revisit old favorites, a strong dollar can make all the difference in saving money and getting the most out of your vacation. Here are some tips on how to make the most of the strong dollar when planning your summer travel.

One of the first things to consider when planning your summer travel is choosing destinations where the dollar is strong relative to the local currency. This can help stretch your travel budget and allow you to enjoy more activities and experiences during your trip. Countries in Southeast Asia, Eastern Europe, and parts of Latin America are known for offering great value for travelers, especially when the dollar is strong.

Once you’ve decided on your destination, it’s important to book accommodations and flights in advance to take advantage of favorable exchange rates. By locking in your travel expenses early, you can avoid potential fluctuations in currency values and secure the best deals. Additionally, consider using a credit card that offers no foreign transaction fees to avoid extra charges while traveling abroad.

While abroad, look for ways to save money on everyday expenses by eating at local eateries, taking public transportation, and shopping at markets and street vendors. By avoiding tourist traps and touristy areas, you can experience the local culture and save money at the same time. Consider staying in accommodations like Airbnb or hostels, which can be more budget-friendly than traditional hotels.

Another way to make the most of the strong dollar is to take advantage of exchange rate fluctuations. By monitoring currency values and exchanging money at the most favorable rates, you can maximize your travel budget and get more bang for your buck. Consider using online currency exchange services or withdrawing cash from ATMs to avoid high fees and unfavorable exchange rates.

If you’re planning to travel to multiple countries during your summer vacation, consider using a multi-currency card or travel money card to avoid carrying large amounts of cash and minimize currency conversion fees. These cards allow you to load multiple currencies onto the card and make purchases in different countries without incurring additional charges.

Finally, consider taking advantage of travel deals and promotions that are available during the summer season. Many airlines, hotels, and tour operators offer discounted rates and special packages during the summer months to attract travelers. By doing your research and booking early, you can save money and enjoy a memorable vacation without breaking the bank.

The strong dollar presents a great opportunity for savvy travelers to make the most of their summer vacation. By choosing destinations where the dollar is strong, booking accommodations and flights in advance, and monitoring exchange rates, you can save money and get the most out of your travel experience. With a little planning and research, you can enjoy a memorable summer vacation without overspending.

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

Staying adequately hydrated is integral to maintaining good health and overall well-being. However, many individuals struggle to consume the recommended daily amount of water. Incorporating some simple yet effective strategies into your daily routine can help ensure you stay adequately hydrated. Here are some helpful tips on how to drink enough water every day.

1. Set a Daily Goal Aim to drink a specific amount of water each day, such as the commonly recommended 8 glasses or 2 liters. Having a target can serve as a reminder to keep sipping water throughout the day.

2. Carry a Water Bottle Always have a water bottle with you wherever you go. This makes it easier to take a sip whenever you feel thirsty, ensuring a steady intake of water throughout the day.

3. Use Apps or Reminders Several apps are available that can help track your water intake and send reminders to drink water at regular intervals. Setting alarms on your phone or using sticky notes as reminders can also be effective.

4. Infuse Your Water Add natural flavor to your water by infusing it with fruits like lemon, cucumber, berries, or mint. This can make drinking water more enjoyable and may encourage you to consume more.

5. Create a Routine Establish specific times during the day when you will drink water, such as a glass upon waking up, one before each meal, and one before bed. Making hydration a habitual part of your daily routine can increase your water intake.

6. Monitor Your Progress Keep track of your water consumption throughout the day. You can use a journal, an app, or simply mark your water bottle with time goals to ensure you are drinking consistently.

7. Consume Water-Rich Foods Incorporate foods with high water content, such as fruits (like watermelon and oranges) and vegetables (like cucumber and celery), into your meals and snacks. These foods can contribute significantly to your overall hydration.

8. Opt for Water Instead of Other Beverages Whenever possible, choose water over sugary drinks, sodas, or caffeinated beverages. Not only does this help with hydration, but it also reduces your intake of added sugars and unnecessary calories.

9. Link Water Consumption to Daily Activities Associate drinking water with specific daily activities, such as every time you check your emails, after using the restroom, or during TV commercial breaks. This can help make drinking water a natural part of your routine.

10. Listen to Your Body Pay attention to your body’s signals of thirst and hydration. Feeling thirsty is a sign that your body needs water, so make it a habit to drink whenever you feel thirsty.

By incorporating these simple tips into your daily life, you can ensure that you stay adequately hydrated and reap the numerous benefits that come with proper hydration. Remember, staying hydrated is essential for maintaining your health, energy levels, and overall well-being.

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.

Exciting news is on the horizon for our community as we prepare to embark on a new chapter at Family Vision Care Center! We are thrilled to announce our move to a larger, more modern office space, designed to better serve your needs and elevate your experience with us. But our excitement doesn’t stop there – as we settle into our new location, we’re also committed to ensuring that your eye health remains a top priority, especially as we enter the sunny days of summer.

The Importance of Eye Health in Summer

As temperatures rise and outdoor activities beckon, it’s important to remember the significance of maintaining good eye health. The summer months bring increased exposure to UV radiation, which can lead to eye damage if proper precautions aren’t taken. Additionally, factors like prolonged screen time and indoor air conditioning can contribute to dry, irritated eyes. But fear not – with the right knowledge and habits, you can protect your eyes and enjoy a vibrant, healthy summer.

Expert Advice

To help you navigate the sunny season with confidence, we’ve consulted with Dr. Robert Burtch, a trusted expert in eye care. Dr. Burtch emphasizes the importance of wearing sunglasses with UV protection whenever you’re outdoors, even on cloudy days. As an Optician of 30 plus years, I can attest to the fact that not all sunglasses have adequate UV protection. Most eyecare office have a UV meter to test the level of protection. I strongly encourage you to have yours tested. In many instances, you are better off with no sunglasses than glasses without UV protection. Additionally, staying hydrated and taking regular breaks from screens can help alleviate eye strain and discomfort.

Tour of the New Office

Step inside our new office, and you’ll discover a space designed with your well-being in mind. Ample natural light floods our reception area, creating a warm and inviting atmosphere. Our modern, ergonomic workstations promote comfort and productivity, while designated break areas provide the perfect opportunity to give your eyes a rest. We believe that a healthy work environment is essential for maintaining optimal eye health, and we’re thrilled to share this space with you.

Community Engagement

At Family Vision Care Center, we’re not just committed to serving our patients – we’re dedicated to supporting our community as a whole. In the coming months, we’ll be hosting educational workshops and free eye screenings to raise awareness about the importance of eye health. We believe that by empowering our community with knowledge and resources, we can make a meaningful impact on overall wellness.

Testimonials and Success Stories

But don’t just take our word for it – hear from satisfied clients and employees who have experienced the difference at Family Vision Care Center. 

Brett B

*****11 weeks ago

Hands down the best vision center in Saratoga. They are informed, kind, patient and incredibly helpful. I look forward to my annual visit because it’s like visiting old friends….I love it here and so will you.

Sheri D

*****8 weeks ago

The team at family vision care is amazing. The staff is friendly, professional and genuinely interested in understanding their patient’s needs. I was truly impressed with their commitment to ensuring that my glasses worked for me!

Taylor S

***** 20 hours ago

Super quick and easy. I was in and out with an updated prescription in just about an hour with a full eye checkup. Staff was super friendly and explained everything in a way anyone could understand

Call to Action

As we embark on this new journey together, we invite you to prioritize your eye health and join us in our commitment to wellness. Schedule a comprehensive eye exam today, and let’s ensure that your vision remains clear and bright for years to come. For more information about our services and upcoming events, visit www.familyvisioncarecenter.com or give us a call at (518)584-6111.

Susan Halstead is a Nationally and NYS Licensed Optician and is the owner of Family Vision Care Center in Saratoga Springs. FVCC has been serving Saratoga County since 1920 with Susan as it’s third owner. Susan can be reached for comments or questions via text or call (518)584-6111 or email Susan@familyvisioncarecenter.com

The Difference Between Informal and Formal Closure

If you have ever served as an Executor or Administrator of an estate, then you know at the end of the process that you need to take steps to close the estate.  What is the difference between an Executor and an Administrator, and what does it mean to close an estate? 

Executor vs. Administrator – what is the difference? 

An estate can either go through a probate proceeding or an intestate administration proceeding, depending on the circumstances of the case. A probate proceeding occurs when the decedent had a Last Will and Testament (“a Will”).  An intestate administration occurs when the decedent died without a Will.  In a probate proceeding, the Will is proven to be valid and the Court issues Letters Testamentary to the Executor – appointing them to the position of Executor.  In an intestate administration proceeding, there is no Will to prove valid and the Court issues Letters of Administration to the Administrator – appointing them to the position of Administrator.  Whether you are an Executor or Administrator, at the end of the process, you will need to close the estate. 

What are the different types of estate closure?

Estates can be closed informally or formally.  Both types of closures are described below.   

What is an informal closure of an estate? 

With the informal closure of an estate, the Executor or Administrator (“the Estate Fiduciary”) will typically circulate to the residuary beneficiaries an informal accounting.  There is no required format for an informal accounting.  In my practice, I will sometimes do what I call a “checkbook accounting”, which essentially shares all the information in the estate checkbook with the beneficiaries and has annotations to explain the details.  For example, I would explain the source of all deposits (i.e., proceeds deposited on sale of decedent’s house) and the reasons for all payments or withdrawals (i.e., a check written to pay the decedent’s medical bills).  If the beneficiaries have questions about the informal accounting, then the lawyer preparing it typically will answer them and provide whatever additional information is relevant. If the informal accounting is acceptable to the beneficiaries, then the lawyer will ask the beneficiaries to sign Receipts and Releases.

What is a Receipt and Release?

A Receipt and Release is a form signed by the beneficiary stating what assets they have received from the estate, such as a monetary bequest or items of tangible personal property.  For example, the Receipt and Release may state that the beneficiary received $10,000.00 and a Ford truck valued at $20,000.00.  The Receipt and Release further states that the beneficiary releases the Estate Fiduciary from any further liability to them under the estate proceeding.  In addition to Receipts and Releases from all beneficiaries, the Estate Fiduciary must also file an Affidavit by Fiduciary to informally close the estate.

What is an Affidavit by Fiduciary?

An Affidavit by Fiduciary is exactly what it says – an Affidavit signed by the Estate Fiduciary regarding the administration of the estate.  It includes various information, including confirmation that all taxes are paid, and all claims are settled.  It also states that all the necessary Receipts and Releases signed by the beneficiaries are being filed.  If the Court finds everything in order, it will typically issue an Order Approving Informal Closing within approximately a week’s time. 

When is informal closure appropriate? 

Informal closure is appropriate when there are no disputes among the beneficiaries and there are no beneficiaries who are under a legal disability, such as people who are incapacitated, mentally disabled, or who are minors. Informal closures are by far the most common way to close an estate and are certainly preferable in terms of time and expense.

What is formal closure of an estate? 

A formal closure occurs when a petition is filed by the Estate Fiduciary to have the court approve a formal accounting.  The formal accounting has a required format with multiple schedules.  It describes the financial activity of the estate in great detail from the decedent’s date of death to the proposed date of closure.  It would include a proposed final distribution of the remaining assets to the beneficiaries.

When is formal closure of an estate appropriate?

Formal closure is appropriate when one or more of the beneficiaries are persons under disability.  It is also appropriate if one or more of the beneficiaries who are capable of signing a Receipt and Release refuse to do so.  This can happen when one or more of the beneficiaries believe the Estate Fiduciary did not handle their responsibilities appropriately. 

What happens after the Estate Fiduciary files a formal accounting?

All the beneficiaries who have not signed a Receipt and Release and all the persons under disability will be served with the formal accounting and there will be a return date in court for all necessary parties to be heard.  If there are persons under disability, the court will likely appoint a Guardian ad Litem to represent their interests. 

What is a Guardian ad Litem? 

A Guardian ad Litem is an attorney appointed by the court to protect the interests of a person under disability. The Guardian ad Litem will review the formal accounting and report to the court whether they find it acceptable on behalf of their client.

What happens if beneficiaries do not accept the formal accounting?

In that case, those beneficiaries can file objections to the accounting and the Court may hold a trial concerning those objections.  It is common that such matters are settled before trial, but if they are not, the court will hold a trial and determine whether to approve the accounting.  If the Court believes the Estate Fiduciary acted improperly, it has the ability to surcharge the Estate Fiduciary.  A surcharge essentially forces the Estate Fiduciary to pay back money to the estate because they did not handle their responsibilities appropriately.

Estate closure, be it informal or formal, must be handled with care in order to ensure that the Estate Fiduciary properly fulfills their duties, and the beneficiaries all receive what they are due.  In order to make sure estate closure is handled appropriately, you should consult with an experienced attorney familiar with estate administration matters. 

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. 

Financial fraud is a growing concern in our increasingly digital world. With cybercriminals constantly finding new ways to scam unsuspecting victims, it is more important than ever to protect yourself from becoming a target. Here are five simple things you can do to help safeguard your finances and avoid falling victim to financial fraud.

1. Monitor your accounts regularly

One of the simplest and most effective ways to protect yourself from financial fraud is to monitor your accounts regularly. By keeping a close eye on your bank statements, credit card statements, and online accounts, you’ll be more likely to spot any unauthorized transactions and take action to rectify the situation. Set up alerts with your financial institutions to notify you of any unusual activity, such as large withdrawals or transfers, and report any discrepancies immediately.

2. Use strong and unique passwords

Another easy way to protect yourself from financial fraud is to use strong and unique passwords for all of your online accounts. Avoid using easily guessable passwords like “123456” or “password” and instead opt for a combination of letters, numbers, and special characters. Additionally, use different passwords for each of your accounts to minimize the risk of a hacker gaining access to all of your sensitive information if one account is compromised. Consider using a password manager to generate and store strong passwords securely.

3. Be cautious with your personal information

Be cautious when sharing your personal information online or over the phone. Scammers often use phishing emails, fake websites, and phone calls to trick victims into disclosing sensitive information like Social Security numbers, account numbers, and passwords. Take the time to verify the legitimacy of any request for personal information before providing it, especially if you did not initiate the contact. 

4. Keep your devices secure

In today’s digital age, we rely on our devices for everything from online banking to shopping to social media. To protect yourself from financial fraud, it is crucial to keep your devices secure. Install antivirus software on your computer and mobile devices, keep your operating systems and apps up to date with the latest security patches, and avoid connecting to unsecured public Wi-Fi networks when accessing sensitive information. Additionally, enable two-factor authentication wherever possible to add an extra layer of security to your accounts.

5. Educate yourself about common scams

One of the best ways to protect yourself from financial fraud is to educate yourself about common scams and how to recognize them. Stay up to date on the latest fraud trends and techniques used by cybercriminals, and be wary of unsolicited emails, phone calls, or messages asking for personal information or payment. If something seems too good to be true or raises red flags, trust your instincts and proceed with caution. Remember that knowledge is power when it comes to protecting yourself from financial fraud.

In conclusion, financial fraud is a serious threat that can have lasting consequences if you fall victim to it. By following these five simple tips – monitoring your accounts regularly, using strong passwords, being cautious with your personal information, keeping your devices secure, and educating yourself about common scams – you can help reduce your risk of becoming a victim of financial fraud. Stay vigilant, stay informed, and protect yourself and your finances from falling into the hands of scammers.

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