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 A Guide to Ensuring Kids Go Back to School Safely

As summer draws to a close and fall approaches, many families are preparing for the back-to-school season. This time of year is exciting, yet it also presents unique health challenges in light of ongoing public health concerns. Ensuring that children return to school safely is paramount for parents, educators, and communities. Here’s a comprehensive look at key measures to promote health and safety for kids as they head back to school.

1. Understanding Health Protocols

Vaccinations

Before school begins, it’s essential to ensure that children are up-to-date on their vaccinations. Routine immunizations help protect against a myriad of diseases. The CDC recommends certain vaccines for children heading into kindergarten and middle school, such as: – DTaP (Diphtheria, Tetanus, Pertussis)

– MMR (Measles, Mumps, Rubella)

– Varicella (Chickenpox)

– COVID-19 vaccinations as advised by health officials.

These vaccinations not only safeguard individual children but also contribute to herd immunity, helping protect the broader school community. Health Screenings

A thorough health assessment, including vision and hearing tests, can ensure that potential issues are addressed promptly. Schools often require health forms; ensuring these are filled out accurately can help educators understand any specific needs your child may have. 

2. Promoting Hygiene Practices Hand Hygiene

Encourage children to wash their hands regularly, especially before meals and after using the restroom. Hand sanitizer should be made available in the classroom, as it can be an effective alternative when soap and water aren’t accessible.

3. Mental Health Awareness

Back-to-school time can be a source of anxiety for many children. Parents should foster open communication with their kids about their feelings regarding this transition. Here are some ways to support their mental well-being:

Encourage Routine: Establishing a consistent morning and evening routine can successfully ease the transition back to school, helping to reduce anxiety.

Promote Open Dialogue: Create a safe space for children to express their fears and concerns. Encourage them to share their experiences and feelings about returning to school.

Mindfulness Practices: Teach children relaxation techniques, such as deep breathing exercises and mindfulness practices, to help them manage stress.

4. Nutrition and Physical Health

A balanced diet plays a crucial role in supporting a child’s immune system and overall physical health. As they transition back to school:

Healthy Breakfasts: Encourage kids not to skip breakfast. Foods rich in protein, fiber, and healthy fats keep them energized throughout the school day.

Balanced Lunches: Prepare nutritious lunches that include whole grains, fruits, vegetables, and lean proteins to strengthen their bodies.

Hydration: Remind children to drink plenty of water throughout the day, as staying hydrated is essential for maintaining focus and energy levels.

5. Safe Transportation Whether children walk, bike, or take the bus to school, it’s crucial to ensure their safety during transportation:

Walking/Biking: Parents should accompany younger children or organize walking groups with neighbors to increase safety. Remind them to use crosswalks and obey traffic signals.

Bus Safety: Review bus safety rules with your child, including waiting for the bus at a safe distance and following directions from the bus driver.

6. Close Monitoring of Health Symptoms

Parents should keep a vigilant eye on any signs of illness, such as fever, cough, or fatigue. In case a child shows symptoms, it’s advisable to keep them home and consult a healthcare provider. Schools have policies regarding illness that should be followed to prevent the spread of infections.

This back-to-school season, the focus is on creating a safe and healthy environment for children. By being proactive about vaccinations, promoting hygiene, and nurturing mental well-being, parents and caregivers can help their kids thrive as they return to the classroom. Education about safety and health is a collaborative effort, and together, we can ensure a successful and healthy school year for all children.

Dr Minogue enjoys treating patients of all ages and stages of life. This includes helping athletes reach optimal performance, supporting mothers through prenatal and postpartum stages, keeping infant’s and children’s spines aligned for optimal nervous system development, and helping older patients age gracefully.

Appointments can be made online at MySaratogaCiropractor.com.

Summer Squabbles

“Mothering Boys”

You know how kids go through phases? Whenever one of my boys has been in a particularly challenging phase, one of the things that has traditionally helped raise my spirits has been that the boys have always taken turns going through challenging phases, so when we’re dealing with something from one, we can generally count on the other boys to be their normal selves. One challenge at a time.

Well. This summer, all summer, it seemed like every single one of the boys was going through a challenging phase. Nobody took turns! Everyone wanted to be difficult! It was kind of amazing to see, and my husband and I shook our heads over it more than once.

When thinking about what to write for this month’s column, I was looking back at previous topics I wrote about during this back-to-school month and discovered that I’d written about this very kind of thing just a couple of years ago. In fact, that old article said it about as well as I could at this moment in time, so please enjoy this very nearly perfect account of how I’m feeling now that school has started again:

Today all of my children are back at school, and none too soon, as the last few weeks have been characterized by insufferable, unending arguing.

My kids certainly have their fair share of arguments in the normal way of siblings, especially since so many of them think they’re experts on everything all the time, but it hasn’t been so pervasive, so constant, so ridiculous, as it has been in the last month or so. Any time any of the boys has said anything at all, without fail another of the boys has landed on them with all the reasons why they’re wrong or dumb. 

Innocent mistakes aren’t safe. For example, Number 2 commented recently, “I keep thinking today is Friday!” and Number 6 immediately said scornfully, “Why do you keep thinking today is Friday??” Then the two of them were off and running with a back-and-forth argument about why sometimes people fall into thinking a certain day is a different day and no, it’s not a stupid thing to think, you’re stupid, no you are, etc.

Observations aren’t safe. For example, Number 5 said to Number 6, “Isn’t it weird that we don’t all have the same brothers?” Number 6 thought about this for a minute and then realized it was true. “Oh yeah!” he said. “Because you are my brother, but you’re not your own brother!” I was so pleased that this conversation — normally the kind of thing that would immediately devolve into an argument — went so nicely … until Number 4, who wasn’t part of the conversation, said aggressively, “Yes we do have the same brothers!” and the three of them were off and running with a back-and-forth argument about why it’s true, no it’s not true, yes it is true, you’re stupid, no you are, etc.

Opinions aren’t safe. I cannot tell you how many times I’ve heard the boys squabbling over matters of opinion. Whether something is delicious or not. Whether a particular TV show or YouTube channel is interesting or not. Whether someone is cold, or hot, or hungry, or bored — things that are subjective, things that are matters of opinion, things that can be true for one boy and not for the other boy at the exact same time. There have been so many times that I’ve had to remind them that they’re each allowed to have their own opinion; just because you think something tastes gross doesn’t mean your brother has to agree with you; yes you can think someone else’s opinion is ridiculous but they’re still allowed to have it. I’ve taken the opportunity when I can to explain the difference between informed opinions versus uninformed opinions, but when it comes to one boy preferring his hot dog without a bun versus the other boy preferring it with a bun, no one is objectively right.

Creativity isn’t safe. Number 7 gave the inexplicable name “Artra Star” to a spider on our window, which several of his brothers told him was a dumb name and decided it was a hill they would die on. 

It’s even gotten to the point where no one will be saying anything at all that can be disagreed with, so someone will create an argument out of thin air, just to bother each other. Like when Number 6 said to Number 7, out of the blue, for no other reason than to bother him: “You are cheese. You look like cheese, you smell like cheese, you taste like cheese.” Number 7 immediately took the bait, saying, “I am not cheese! Cheese doesn’t even have a smell!” Number 6 replied calmly, “To me it does.” My husband, sensing an escalation, tried to diffuse the situation by teasing Number 7: “Everyone knows you’re a donut!” But Number 7 would not be soothed — instead, he wailed, “I am not food!” and then started crying, “Everyone is making fun of me!”

These are all real examples. As the weeks of arguing dragged on, I started keeping a list of these arguments in a notebook and on my phone, and even with that, I was only able to capture a fraction of what we’ve all had to deal with as the summer has wound down. I’ll be happy for everyone to have time away from each other as we head back to school, and I’ll delight in seeing how happy they are to be back together at home after busy days away. They really are good boys, and they really do enjoy spending time together — as long as none of them make the mistake of thinking today is a different day than it actually is!

Kate and her husband have seven sons ages 20, 19, 17, 15, 13, 11, and 7. Email her at kmtowne23@gmail.com.

Ice Baths: Cool Trend or Just Cold Comfort?

You’ve seen the photos, athletes, celebrities, maybe even your neighbor, sitting in a tub full of ice cubes, smiling (or grimacing) for the camera. Ice baths, once reserved for pro athletes are moving into the mainstream of non-athlete.  Sales are soaring, some stores can’t keep them in stock. Amazon sells inflatable and collapsable tubs for less than $60. What’s the deal? Ice baths are pretty much what it sounds like: you sit in a tub of chilly water (about 50–59 degrees) for a few minutes, usually after a workout for faster recovery. 

The idea is that an ice bath reduces inflammation, muscles recover faster and cuts down on soreness. Some people say it gives them a mental boost, like hitting a reset button for the brain. There’s some science behind it. Think about it, hurt yourself, where’s the bag of ice (or peas). A few studies even suggest cold immersion can improve mood. Ice does in fact, reduce inflammation. Beyond the improved physical impact, many enthusiasts say ice baths give them an energy boost, mental clarity, and even help with stress management. The sudden chill also challenges the nervous system, which may explain why some people feel more resilient and alert afterward but are they actually good for you, or just really, really cold?

As ‘cool’ as it seems to sit in a tub of ice water, there are cons; the initial shock of an ice bath can take your breath away. A major concern is the shock to your system, especially for people with a heart condition. Cold exposure causes blood vessels to constrict, which can reduce circulation and temporarily increase blood pressure. Some studies suggest they may limit strength and hypertrophy gains if used right after resistance training. 

So, the Bottom Line, ice baths can be a fun and invigorating tool. If you’re curious and healthy enough to try them, just keep it short (five to ten minutes is plenty). Ease in slowly, and don’t expect them to magically solve all your aches and pains. At the end of the day, recovery doesn’t have to be extreme. Sometimes the best medicine is as simple as a good night’s sleep, healthy food, hydration usually do the trick or simply, a cozy bath with candles and bubbles.

Navigating the Crosscurrents: A Case for Cautious Optimism in Q4 2025

As Wall Street turns the calendar to the final quarter of 2025, investors find themselves navigating a complex and often contradictory landscape. The year has been a testament to market resilience, yet the echoes of earlier volatility, coupled with persistent geopolitical and economic questions, have left many feeling uncertain. While the specter of ongoing trade tensions and shifting monetary policy rightfully commands attention, a deeper analysis of underlying economic fundamentals and market dynamics suggests that a strategy of cautious optimism may be the most prudent course for the remainder of the year.

The primary pillar supporting a positive outlook is the surprising durability of the U.S. economy. Despite forecasts of a more significant slowdown, economic activity has proven remarkably stubborn, made possible, in part, by the fractured implementation of tariff threats, and a slower than anticipated deportation rate.

Projections for the fourth quarter indicate a stabilization of GDP growth, underpinned by a labor market that, though softening, remains relatively strong. Continued strength in employment will be vital in providing a critical foundation for household financial stability, directly fueling the consumer spending that constitutes the largest portion of the American economy.

Inflationary pressures, the dominant economic narrative of the last two years, have shown definitive signs of slowing. Key metrics, such as the Consumer Price Index (CPI), have trended downward, with notable cooling in previously volatile categories like energy and used vehicles. This disinflationary trend has granted the Federal Reserve a crucial degree of flexibility. The Producer Price Index (PPI) has shown a recent increase, however, which may be indicative of tariff charges not yet being passed on to consumers. 

After a historically aggressive and successful campaign of monetary tightening, the central bank has adopted a “wait-and-see” approach, pausing its interest rate hikes. This pause has been a significant tailwind for equities, stabilizing the cost of capital for businesses and lowering the discount rate used to value future earnings. While we don’t expect a significant reduction in interest rates in the near-term, we do expect the Fed to begin cautiously lowering rates as long as inflation and the labor markets remain in-check.

This optimism, however, must be firmly anchored in reality. Prudence is essential, as significant risks still remain. 

The most prominent headwind remains the unresolved nature of international trade policies. The potential for new tariffs or the escalation of existing disputes casts a shadow of uncertainty over global supply chains and corporate profitability. Industries with significant international exposure, such as manufacturing and technology, remain particularly vulnerable. Investors must diligently monitor geopolitical developments, as a sudden negative turn could quickly sour market sentiment.

Domestically, the health of the American consumer, while currently robust, warrants close observation. There are signs of stress appearing at the margins. Rising credit card delinquency rates and a dwindling personal savings rate suggest that some households are stretching their finances thin. A more pronounced pullback in consumer spending, should it materialize, would act as a direct and powerful brake on economic growth.

We view the remainder of 2025 through the same lens as we did the first two thirds; one of cautious optimism. The constructive backdrop of a resilient economy, moderating inflation, and a broadening market rally provides a solid foundation for positive returns. However, the ever-present risks of trade policy, foreign policy, and a potential consumer slowdown cannot be dismissed. By working closely with their Certified Financial Planner® professional, and embracing a posture of cautious optimism, investors can work to strategically position themselves to capitalize on the opportunities ahead while remaining vigilant against the uncertainties that will inevitably arise.

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

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

The Basics of New York’s Medical Aid in Dying Act

A Potential Significant Change in New York Law

For the first time, New York’s Medical Aid in Dying Act (“MAID Act”) has passed both the Assembly and Senate and is awaiting the Governor’s signature.  While previous versions of the MAID Act have been introduced and passed by the Assembly, they never passed the Senate. It is unclear at this time whether the Governor will sign the bill into law.  

If signed into law, the MAID Act will allow mentally competent, terminally ill adults with a prognosis of six months or less to live to request medication from their treating physician that the patient can choose to self-administer to bring about their death.  

How would the MAID Act change New York Law? 

Currently, individuals have the right to refuse life-sustaining treatment that only prolongs the dying process. This includes refusing artificial respiration, hydration, and nutrition. If you have a health care proxy agent, they may refuse such treatments on your behalf.

However, under current law, individuals cannot request or direct their health care providers to help them end their life. The MAID Act would change this by allowing certain qualified individuals to request prescribed medication to end their life.

Who qualifies under the MAID Act? 

A qualifying individual is a mentally competent person over the age of 18, who in the judgment of two physicians has a condition or illness that will reasonably result in their death within six months.  

The qualifying individual must request verbally and in writing for their treating physician to prescribe medication that will cause their death.  The qualifying individual must administer the medication themself without assistance.  

Can a health care proxy agent make the request?

No. A health care proxy agent cannot make this request on behalf of another person. The request must come directly from the qualified individual.

Can the medication be taken at home? 

Yes, a qualifying individual may take the medication at home. Any unused medication must be disposed of according to medical advice and in line with the MAID Act’s guidelines.

Can the individual change their mind? 

Yes, the individual can change their mind at any time. Before prescribing the medication, the physician must offer the patient the opportunity to rescind their request.

Can a health care provider refuse to prescribe such medication?

Yes, generally, a physician or health care facility may choose not to prescribe or dispense the medication.  However, they are required to transfer the patient to a physician or facility willing to prescribe and dispense the medication.

How would the MAID Act affect health insurance? 

The MAID Act prevents health insurance companies from denying coverage for any service or item that would otherwise be covered, just because the patient has or has not chosen to request medication under the MAID Act.

Will the MAID Act affect life insurance? 

No. Life insurance companies cannot deny benefits to beneficiaries based on whether the insured person has requested or used medication under the MAID Act.

What if a terminally ill person does not qualify?

If someone is terminally ill but does not meet the requirements of the MAID Act, they still have other options, such as refusing life-sustaining treatment. If the individual lacks decision-making capacity, their health care agent may refuse treatment on their behalf, acting in the individual’s best interest and in accordance with their wishes.

How can you prepare for end-of-life care?

To best prepare for end-of-life care, you should make sure you have a Health Care Proxy in place. This document appoints someone you trust to follow your wishes and act in your best interest in the event you cannot. 

End-of-life decision making can involve deeply personal considerations including one’s religious faith, quality of life, and the wellbeing of loved ones.  Legal assistance can prove valuable to successfully navigate those decisions for yourself and those closest to you.  If you have questions about your options or how to communicate your end-of-life wishes, it is a good idea to consult with an estate planning attorney.

Anna R. Myers Norton is an associate attorney with O’Connell and Aronowitz, 1 Court Street, Saratoga Springs, New York.  Anna’s practice is focused in the areas of trust and estate law, including estate planning and estate administration. 

Understanding Bike Safety: Tips for a Safe and Enjoyable Ride

Cycling is an excellent way to stay fit, reduce your carbon footprint, and explore your surroundings. Whether you’re commuting to work, running errands, or enjoying a leisurely ride, ensuring your safety while biking is paramount.

This article highlights essential bike safety tips that every cyclist should know to protect themselves and enjoy a worry-free cycling experience.

The Importance of Bike Safety

Bike safety is crucial for several reasons:

1. Injury Prevention: Cycling can be a riskier mode of transportation without proper safety measures. Collisions, falls, and other accidents can lead to serious injuries.

2. Awareness: Knowing how to navigate traffic and be visible to others reduces the likelihood of accidents, benefiting both cyclists and motorists.

3. Confidence: Understanding and implementing safety practices helps build confidence in your cycling abilities, encouraging more people to cycle.

Essential Bike Safety Tips

1. Wear a Helmet

A properly fitted helmet is one of the most effective ways to protect your head in the event of a fall or collision. Ensure that your helmet meets safety standards and fits snugly without being uncomfortable. Always wear it, regardless of how short your ride is.

2. Be Visible

Visibility can be a critical factor in avoiding accidents. Here are some ways to enhance your visibility:

-Wear Bright Clothing: Choose bright or reflective clothing, especially when riding in low-light conditions or at night.

– Use Lights and Reflectors: Equip your bike with front and rear lights and reflectors to increase your visibility to drivers.

3. Follow Traffic Laws

Cyclists are subject to the same traffic laws as motor vehicles. This includes:

– Obeying traffic signals and stop signs.

– Riding in the same direction as traffic.

– Yielding to pedestrians.

Understanding and following the rules of the road helps ensure your safety and that of other road users.

4. Use Hand Signals

Communicating your intentions can significantly improve safety on the road. Use hand signals to indicate:

– Left Turn: Extend your left arm straight out.

– Right Turn: Extend your right arm straight out or bend your left arm upward.

– Stopping: Bend your left arm downward.

These simple signals help make your movements predictable and alert drivers and pedestrians to your actions.

5. Stay Alert and Avoid Distractions

Distractions can lead to accidents, so it’s essential to remain focused while riding. Avoid:

– Using your phone or listening to loud music.

– Engaging in conversations with passengers.

Stay aware of your surroundings, including pedestrians, other cyclists, and vehicles, and be prepared to react.

6. Choose Safe Routes

When planning your ride, consider selecting routes that prioritize bike safety:

– Look for dedicated bike lanes and trails.

– Avoid high-traffic roads whenever possible.

– Familiarize yourself with the area and potential hazards.

7. Regularly Maintain Your Bike

A well-maintained bike is crucial for safety. Regularly check and perform maintenance on your bike, including:

– Brakes: Ensure they function correctly and adjust as needed.

– Tires: Check for proper inflation and tread wear; replace tires if they show signs of damage.

– Chain: Keep it clean and well-lubricated for smooth operation.

8. Ride with Others

If possible, ride with a group or a partner, especially in unfamiliar areas. Having others around can provide an extra layer of safety, as groups are generally more visible and can look out for each other.

Bike safety is paramount for anyone who chooses to cycle, whether for recreation or transportation. By implementing these essential safety tips, you can reduce your risk of accidents and injuries, making your riding experiences both enjoyable and secure.

Remember, a vigilant cyclist not only protects themselves but also contributes to a safer environment for everyone on the road. So strap on your helmet, follow the rules, and enjoy the ride! Safe cycling!

Dr Minogue enjoys treating patients of all ages and stages of life. This includes helping athletes reach optimal performance, supporting mothers through prenatal and postpartum stages, keeping infant’s and children’s spines aligned for optimal nervous system development, and helping older patients age gracefully.

Appointments can be made online at MySaratogaCiropractor.com.

The joy of being a little boy in summer

“Mothering Boys”

My mother’s heart has been pulled hither and yon this past school year, between my biggest boy, who spent a semester in D.C. and a summer on Long island, and my other big boys, who are in varying stages of figuring things out with college and jobs, and my little boys, who want very much to be big boys and don’t realize the gift they have of still being kids. Sometimes I look at all my boys in wonderment: these are fantastic young men! Sometimes I look at all my boys with what feels like crippling sadness: where are my babies?!

It’s not always complicated like that, though. One of my favorite things this summer, which has been a balm to my tender heart, is watching my youngest squeeze every bit out of this summertime life. He is a boy with big emotions, and one of the big emotions he’s been showing a lot is JOY. I am sometimes moved to tears to watch him living life right now: there is clearly nothing better in the entire world than being a six-year-old boy in the summertime with six older brothers and lots of cousins and water to swim in and grass to run in and scooters to ride and forts to build and ice cream to eat. He’s able to stay up later, sleep in longer, play more video games, take more trips than he’s ever been able to in his life. I regularly hear big belly laughs coming out of him when he’s playing with (or bothering!) his brothers. His blond hair has gotten blonder, his freckles have multiplied, he has tan lines and bug bite scabs and has lost two teeth. If you were going to make an ad for “little boys,” he would be the perfect model.

While watching him in general is one of my favorite things, one of my specifically favorite things to watch is him swimming. I have absolutely loved watching him swim this summer. After a short freak-out at the beginning of the summer when we realized his swimmies didn’t fit anymore and he was sure he had completely forgotten how to swim and would never be able to enjoy the water (he’s a little dramatic), he was able to quickly regain his skills with the help of his dad and a half hour lesson in the lake, and then he turned into a fish. An actual fish! He swims and swims and swims, underwater and on top, and has mastered every fun thing about swimming, including — as he proudly tells everyone — “diving for a ring at 7 feet deep!” He recently completed the two weeks of swimming lessons we have the little boys do at Skidmore each summer and his instructor wrote on his evaluation form that he is “a beast” in the water and that his comfort level in the water “is a beautiful thing.” It really is! When he jumps into the water from the side of the pool or the dock at the lake, it’s more of a no-holds-barred *launch* — he throws himself into the water with abandon! He does belly flops and cannonballs and pencil dives and scrambles out of the water to do them again and again and again.  

Maybe I’ve been so struck by my littlest guy’s uninhibited joy because I’m seeing my older boys starting to realize that adulthood isn’t what we all think it will be when we’re young. I’m so pleased and proud of all that they’re doing and how they’re stepping up and being responsible, but what a bummer to find out that once you start earning money, then you have bills to pay! Once you’re allowed to stay up as late as you want, you can’t because you have to work the next day! Even my middle schoolers are past the “free summer” stage and are grumbling through their summer reading and math review. I think we’re all a little envious of my youngest boy and his zero-responsibility, uninhibitedly joyful summer.

Of course, time keeps marching on. Since it’s August, I’m focusing on buying school supplies and new school shoes, and readying school clothes, backpacks, and lunchboxes. I’m already looking ahead to this time next year when we’ll have a college graduation, a high school graduation, and a middle school graduation, as well as our last First Communion (traditionally done in second grade for Catholic kids). My mind is constantly on the next thing, trying to plan and prepare (and brace myself). 

But first—there’s still more summer! I’m planning on as many more days at the water as we can manage, watching my littlest guy and his big brothers and remembering how much I loved these days when I was their ages. I hope the rest of your August goes as swimmingly as I hope ours does!

Kate and her husband have seven sons ages 20, 18, 17, 15, 13, 11, and 6. She can be reached at kmtowne23@gmail.com.

Your Retirement Playbook:A Q&A on Securing Your Financial Future

Navigating the world of retirement planning can feel daunting. With a mix of jargon, acronyms, and seemingly contradictory advice, it’s easy to feel overwhelmed. However, much like any successful long-term strategy, the foundation of a secure retirement rests on a few core principles: starting early, being consistent, and having a clear plan. This Q&A breaks down the essential first steps to help you get on the right track.

Q: This all seems so complicated. When should I actually start saving for retirement?

A: The simple, unwavering answer is: now. The single most powerful tool in your financial arsenal is compound interest, which is the interest you earn on your initial investment and on the accumulated interest from previous periods.

Think of it this way: if you invest $10,000 and it earns an average of 7% per year, after one year you’ll have $10,700. The next year, you earn 7% on the full $10,700, not just the original $10,000. Over decades, this effect snowballs, allowing your money to do much of the heavy lifting for you. The person who starts saving in their 20s has a monumental advantage over someone who waits until their 40s, even if the late-starter contributes more money annually.

Q: How much do I actually need to save? Is there a magic number?

A: While there’s no universal “magic number,” there are excellent rules-of-thumb to guide you. Many financial advisors suggest aiming to save 15% of your pre-tax income each year for retirement. This includes any contributions your employer might make on your behalf.

To figure out your ultimate goal, a common guideline is the “4% Rule.” This principle suggests that you can safely withdraw 4% of your retirement savings in your first year of retirement, and then adjust that amount for inflation each subsequent year, with a high probability of your money lasting for at least 30 years. To use this, you can work backward: estimate your desired annual income in retirement and multiply it by 25. If you think you’ll need $60,000 a year, your target nest egg would be $1.5 million ($60,000 \times 25).

Q: I’m ready to save. Where should I be putting the money?

A: Some of the best place to start is with tax-advantaged retirement accounts. The most common are:

• 401(k) or 403(b): These are employer-sponsored plans. Your contributions are often made pre-tax, lowering your current taxable income. The biggest advantage is the employer match. If your employer offers to match your contributions up to a certain percentage, you should contribute at least enough to get the full match—it’s essentially free money and a 100% return on your investment.

• Individual Retirement Arrangement (IRA): Anyone with earned income can open an IRA. There are two main types:

o Traditional IRA: Contributions may be tax-deductible, and your money grows tax-deferred. You pay income tax on withdrawals in retirement.

o Roth IRA: You contribute with after-tax dollars (no upfront tax break), but your investments grow completely tax-free, and you pay no income tax on qualified withdrawals in retirement.

Q: What should I invest in within these accounts? Stocks? Bonds?

A: This is where you structure your plan to succeed. A portfolio should be diversified, meaning you don’t put all your eggs in one basket. The core components are stocks and bonds. Stocks (equities) offer higher potential for long-term growth but come with more volatility. Bonds are generally considered safer and provide stability and income, but with lower long-term returns.

A common strategy is to hold a higher percentage of stocks when you’re young and have a long time horizon to recover from market downturns. As you approach retirement, you may gradually shift your allocation to be more conservative, depending on your actual need for growth and risk.

As always, your circumstances are unique. As helpful as rules-of-thumb may be, it’s important to evaluate your specific needs in formulating a long-term plan to help ensure a successful retirement. Be sure to consult your Certified Financial Planner® professional for a strategy that’s right for you!

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

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

How to Become More Flexible: A Guide to Improving Mobility and Preventing Injury

Getting ready to dive. Rear view of athletic man.

Flexibility is a key component of overall fitness, often overlooked in favor of strength or endurance. However, being flexible improves posture, enhances athletic performance, reduces the risk of injuries, and helps you move more freely in daily life. Whether you’re an athlete, a desk worker, or someone simply looking to feel better in your body, increasing your flexibility can have noticeable benefits.

What Is Flexibility?

Flexibility refers to the ability of your muscles and joints to move through their full range of motion. It’s influenced by muscle length, joint structure, age, activity level, and even genetics.

While some people are naturally more flexible, everyone can improve with consistent effort.

Benefits of Improved Flexibility

• Reduced risk of injury by allowing joints to move freely and safely

• Better posture by releasing tight muscles that pull the body out of alignment

• Improved circulation through active stretching

• Less muscle soreness after exercise

• Enhanced performance in physical activities such as yoga, dance, running, and sports

Tips for Becoming More Flexible

1. Incorporate Daily Stretching

Set aside 10–15 minutes a day to stretch. Consistency is more important than duration. Start with major muscle groups like the hamstrings, calves, hips, shoulders, and back.

• Try dynamic stretching (gentle movement-based stretches) before workouts.

• Use static stretching (holding a stretch for 15–60 seconds) after exercise or on rest days.

2. Warm Up First

Never stretch cold muscles. Start with light cardio (e.g., brisk walking or jumping jacks) for 5–10 minutes before stretching. This increases blood flow and reduces the risk of strains.

3. Practice Yoga or Pilates

These disciplines emphasize flexibility, balance, and core strength. Even attending a class once or twice a week can make a noticeable difference over time.

4. Breathe Deeply While Stretching

Deep, slow breaths help your muscles relax, allowing you to stretch more deeply and safely.

Don’t hold your breath, and avoid bouncing, which can lead to injury.

5. Stay Hydrated

Dehydrated muscles are stiff and prone to cramps. Drinking enough water throughout the day

can improve muscle elasticity and support joint function.

6. Use Tools When Needed

Foam rollers, yoga straps, and resistance bands can assist in deepening stretches and releasing tight areas. These tools are especially helpful for beginners or people with limited mobility.

7. Be Patient and Gentle

Progress may be slow, especially if you’re starting from a place of tightness. Avoid pushing into pain—mild discomfort is okay, but sharp or lingering pain is a sign to stop.

Sample Daily Flexibility Routine

1. Neck rolls – 30 seconds each direction

2. Shoulder rolls and arm circles – 1 minute

3. Cat-cow stretch – 10 reps

4. Standing forward fold – Hold for 30 seconds

5. Lunge with spinal twist – Hold each side for 30 seconds

6. Seated hamstring stretch – 30 seconds per leg

7. Butterfly stretch – 30 seconds

8. Child’s pose – 1 minute

When to See a Professional

If you experience chronic tightness, limited range of motion, or pain while stretching, consider working with a physical therapist or Ciropractor. They can design a customized program to address imbalances or past injuries.

Final Thoughts

Improving flexibility is not about achieving the perfect split or backbend. It’s about creating a body that moves with ease and resilience. With regular stretching, mindful movement, and patience, anyone can become more flexible—regardless of age or prior injuries.

Remember: Flexibility is a journey, not a destination. Keep showing up, and your body will thank you.

Dr Minogue enjoys treating patients of all ages and stages of life. This includes helping athletes reach optimal performance, supporting mothers through prenatal and postpartum stages, keeping infant’s and children’s spines aligned for optimal nervous system development, and helping older patients age gracefully.

Appointments can be made online at MySaratogaCiropractor.com.

Managing Summer (and all-year) Screen Time

“Mothering Boys”

Toddler Boy Engrossed in Tablet Technology in Bed.

Years ago I wrote a piece for Saratoga TODAY about the summertime routine I’d instituted to keep my kids busy and myself from going crazy. The basic structure was: morning outside time (after breakfast I’d send them outside and they weren’t allowed to come in until lunchtime, weather permitting) and inside quiet time during the afternoon (naptime for me and the little guys, a movie for the bigger kids). It was easy to stick to and easy to slip out of if needed (for errands, trips, visits, etc.). It helped us all know what to expect. My fifth son was a baby when I wrote that piece, my oldest was seven, and I desperately needed to figure out a way to allow the boys to have a great and healthy summer while recognizing that having five boys under the age of eight, including a nursing baby, meant that a lot of energy needed to be managed by my energy-limited self.

Our summers look very different now! My youngest is about the same age that my oldest had been when I wrote that piece; my oldest is away for the summer and will be turning twenty-one this fall. While I still have a rough structure of outside time in the morning and inside time in the afternoon (which my youngest is delighted by — he thinks it’s fantastic that he gets to go outside all morning!), our days are busy with things like bringing big boys to and from work, managing my own work schedule, and tackling some of the bigger household projects on the list that only got longer during the school year.

There is one thing that I’m still trying to figure out how to manage that I didn’t have to back when all the boys were little: technology. 

When I say “technology,” I mean video games and other devices (phones and computers). When I say “manage,” I mean that I will not let my boys be on devices all day. How does one enforce limitations on these things in this day and age? It’s not easy! I have been struggling with this for the majority of my motherhood, and after having taught middle school and high school this past year, I’m more convinced than ever that technology without limits is bad for kids of all ages.

In our house, my basic rules are:

• Video games are played only on weekends (which includes Friday). I have softened on this a little to allow for the fact that rainy days during the summer cause everyone to get a little stir crazy and cabin feverish, so rainy days are also videogame days. (Okay, I admit: sometimes also super hot days, and days when I’m just too tired.)

• Video game turns are one hour each. My preference is that each child will have only one turn — only one hour per day — but that rule has definitely slid through the years. My boys are able to “earn” another turn (or two … or three …) through doing extra chores, that kind of thing. Because there are so many of them and most of them want turns, there is a natural limit to how long each one can stay on anyway, and believe me: the boys who aren’t playing keep a close eye on the clock and let the one who’s currently playing know when his turn is up!

• “Video games” refers to games played on our video game consoles. However, some boys prefer to take their “video game turns” on their computers — this is a little trickier, because it’s harder to monitor what they’re viewing or playing. They all know that if I catch them doing anything with their computers that they’re not allowed to, the computer will be taken away; I know how tricky kids can be and I try to be as vigilant as possible. Some things that help are that they’re not allowed to have devices of any kinds (including phones) in their bedrooms or anywhere else upstairs, and they’re not allowed to go anywhere private with their devices (our house is small for the number of people we have, so there’s really nowhere to go to be alone. There are certainly pros and cons to that!) I try to make sure that’s it’s easy for me to see their screens whenever I’m walking through the room. (It’s important to note that my adult children don’t have these same rules of course, though I do ask that they be mindful of the fact that it will make it harder for the little boys to follow the rules if the big boys are flaunting their adult freedom.)

• My five older boys all have phones — they get their first phone for Christmas of sixth grade, since that’s when I have found that I don’t always have another way to get a hold of them, know where they are, know when they need to be picked up, etc. None of them are allowed to use the internet on their phones until they’re 16 or so (determined on an individual basis), so using phones for their video game turns isn’t really a thing in our house (there’s only so much Solitaire one can play, after all).

I really can’t overstate how important I think it is to set a tone of limited technology usage with kids of all ages. I see that when my kids are allowed to use technology, their interest in other, healthy things goes way down. The excitement my little boys have over the fort they’re making in the backyard with various pieces of old bunk beds dissipates as soon as they know they can have their video game turn. They generally love that I try to read a book or two out loud to them during the summer, but if it’s a video game day, they’re not interested. The board games they play together and drawing contests they invent and walks they take together downtown are no longer interesting to them on video game day. I hate that!

If you’re trying to manage this better in your own house, don’t despair if you find that you’re not doing as well as you’d like! G.K. Chesterton said, “Anything worth doing is worth doing badly” (rather than not at all), and I believe it. Having rules is better than not having rules. Trying is better than not trying. Even just having a mindset that there are restrictions on your children’s technology usage will lead to more regulated usage. Baby steps are better than no steps. Two steps forward, one step back is still moving forward. Isn’t this all so true of so much of parenthood anyway?

Good luck to you in your efforts to set technology limits that you think are reasonable and appropriate for your own households! I hope you all have a wonderful July!

Kate and her husband have seven sons ages 20, 18, 17, 15, 13, 11, and 6. She can be reached at kmtowne23@gmail.com.