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The joy of being a little boy in summer

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

“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

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

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

Written by Dr. Kevy on . Posted in Families Today.

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

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

“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.

The Basics of the One Big Beautiful Bill Act

Written by Matt Dorsey on . Posted in Families Today.

How the Act will Affect you and your family

The One Big Beautiful Bill Act was signed into law on July 4th by President Trump.  As the bill worked its way through Congress, there were a number of compromises and changes that occurred before it passed both the House and the Senate and made it to the President’s desk.

Below is a set of questions and answers that are meant to cover some of the basics of the Act, and how they may affect you and your family.

How did the Act change tax rates?

The tax rate cuts put in place as part of the 2017 Tax Cuts and Jobs Act (TCJA) were set to expire at the end of this year.  Those rates have now been made permanent and will not increase at the end of 2025.

How did the Act affect the standard deduction?

In 2017, the TCJA nearly doubled the standard deduction, which resulted in a significant decrease in the number of filers who itemized deductions.  The Act has now made the increased standard deduction permanent.  In 2025, the standard deduction increases to $15,750 for single filers, $23,625 for heads of household, and $31,500 for married individuals filing jointly.  The standard deduction will be adjusted for inflation after 2025.

How about the SALT deduction?

The State and Local Taxes (SALT) deduction is a deduction available for those who itemize deductions (meaning those who do not use the standard deduction), and it was capped by the TCJA at $10,000.  This was disadvantageous to residents of states like New York which have higher state and local taxes, as compared to other states.  The Act increases the SALT cap deduction to $40,000, which will be beneficial to New York taxpayers who itemize their deductions.  

Is there no tax on tips?

The Act provides for a temporary deduction of up to $25,000 for qualified tips received by an employee in a business where tips are customarily part of their income, i.e. servers in restaurants.  The deduction is phased out for single filers with income over $150,000 and joint filers with income over $300,000.  This deduction is set to expire after 2028.

What about taxes on overtime?

The Act provides for a temporary deduction of up to $12,500 for qualifying overtime compensation (up to $25,000 for joint filers).  As with the no tax on tips deduction, it is phased out for single filers with income over $150,000 and joint filers with income over $300,000.  This deduction is also set to expire after 2028.

Any changes for seniors?

Taxpayers 65 and older are eligible for a temporary deduction of $6,000, which phases out for individuals with income of over $75,000 and joint filers with income over $150,000.  As with the tax on tips and overtime deductions, this deduction is set to expire after 2028.

Is there a deduction for car loan interest?

Interest paid on car loans, for cars which have their final assembly in the United States, will be deductible up to a limit of $10,000/year.  This is a temporary deduction, that will be phased out for individual filers with income over $100,000 and joint filers with income over $200,000.  These deductions (no tax on tips, overtime, senior, and car loan deductions) are all “above the line” deductions, which means they are available whether you itemize deductions or use the standard deduction.

Is there a change to estate tax limits?

The current federal estate tax exemption amount of $13,990,000, which was set to expire at the end of 2025, has been increased to $15,000,000 as of January 1, 2026.  After 2026, the exemption amount will increase annually with inflation.

What is the status of the EV credit?

The electric vehicle (EV) credit of $7,500 for new vehicles and $4,000 for used vehicles will end September 30, 2025.  Those interested in taking advantage of that credit should plan to take delivery of their electric vehicle by that time.

Are there changes to 529 accounts?

529 accounts are savings accounts, which allow taxpayers to save money with tax free growth and tax-free distributions for qualifying educational expenses.  These accounts have been a valuable planning tool to assist with educational costs.  The Act expanded their use, including increasing the annual amount that can be used for K-12 expenses from $10,000/year to $20,000/year.  It also increased allowable withdrawals in general, including allowing withdrawals to pay for programs that prepare students for industry-recognized licensing exams.

The Act is a very significant piece of legislation that has many important impacts on the lives of Americans.  The items discussed above give you a sample of the more important impacts.  If you have questions about how the Act specifically affects you and your family, it would be wise to contact an accountant or attorney experienced in tax matters.

Matthew J. Dorsey, Esq. is a Shareholder with O’Connell and Aronowitz, 1 Court Street, Saratoga Springs, NY. Over his twenty-eight 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.

Navigating the Fog: Timeless Strategies for Investing in Uncertain Times

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

Market volatility, geopolitical tensions, and economic ambiguity can make investing feel like navigating a dense fog. The temptation to either hit the brakes and flee to cash or make impulsive decisions based on headlines can be overwhelming. However, periods of uncertainty are not a signal to abandon your financial goals, but rather a call to reinforce a disciplined and strategic approach to investing.

The cornerstone of a resilient investment portfolio, especially in turbulent times, is a clearly defined long-term plan. Your financial objectives, whether for retirement, education, or wealth growth, should be your guiding star. Market downturns are a normal part of the economic cycle, and a long-term perspective helps to view these periods not as crises, but as temporary fluctuations.  History has consistently shown that markets recover and trend upwards over time; staying invested is often the most prudent course of action.

Diversification remains the most effective tool for managing risk. Spreading your investments across a variety of asset classes—such as stocks, bonds, and real estate—can cushion your portfolio against a significant downturn in any single asset class. Within your stock allocation, further diversification across different sectors and geographic regions is crucial. During uncertain periods, consider tilting your portfolio towards “defensive” sectors like healthcare, consumer staples, and utilities, as these industries provide goods and services that people need regardless of the economic climate.

Investing in high-quality companies becomes paramount when the market is shaky. Businesses with strong balance sheets, consistent cash flow, and low debt are better equipped to weather economic storms. These holdings may not offer the meteoric growth of more speculative ventures, but their relative stability and potential for paying reliable dividends can provide a welcome anchor in a volatile market.

One of the most powerful strategies for investing in a fluctuating market is dollar-cost averaging. This involves investing a fixed amount of money at regular intervals, regardless of market highs or lows. When prices are low, your fixed investment buys more shares, and when prices are high, it buys fewer. This approach smooths out your average purchase price over time and removes the impossible task of trying to “time the market.”

Finally, mastering your own emotional response is perhaps the most critical challenge. The 24-hour news cycle can create a sense of panic, leading to rash decisions like selling at a market bottom. It is essential to tune out the noise, stick to your plan, and avoid checking your portfolio obsessively.

Investing during uncertain times doesn’t require a crystal ball. By focusing on a long-term horizon, maintaining a diversified portfolio of quality assets, continuing to invest systematically, and keeping emotions in check, you can more confidently navigate the fog and stay on course toward achieving your financial objectives.

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.

Saratoga Senior Center Calendar

Written by Saratoga TODAY on . Posted in Families Today.

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


Bus Trips 

The following trips were made possible by an Adirondack Trust Company Community Fund Lend -A-Hand Grant; supported by Home of the Good Shepherd.

Mystic, CT

Thursday, July 17 | $62 per person | Open to the public

By popular demand, a second bus is added to our day trip to Mystic, CT. Discover the charm of Mystic—a classic Connecticut coastal town rich in history and character. Step aboard the Charles W. Morgan, the last of America’s great wooden whaling ships, explore marine life at the Mystic Aquarium, and uncover hidden gems throughout town. Lunch is on your own, with plenty of local options to savor..

Burlington, VT

Thursday, October 2 | $65 per person | Open to the public

Enjoy a guided tour of the Shelburne Museum which is an unparalleled and unique experience of American history, art, and design. Designed to allow visitors the pleasure of discovery and exploration, the Museum includes 39 distinct structures on 40 acres, each filled with beautiful, fascinating, and whimsical objects. After the tour, head up to Burlington, VT and enjoy a day on your own!

NYC

Wednesday, December 10 | $51 per person | Open to the public

There is no place quite like New York City at Christmas time! Spend a day on your own shopping at the winter village in Bryant Park, visiting the tree at Rockefeller Center, or experience a magical performance by Radio City Rockettes. Whatever you choose, it is sure to be a wonderful day! Meals are not included. You will be dropped off at Bryant Park.


June Events at the Center! 

Music & Mingling

June 19th | 7pm-10pm |
Siro’s Restaurant and Bar

Music & Mingling is back – now at an exciting new location! This signature event gathers over 500 guests each year, and our new venue can handle the growth of this highly sought-after party with unparalleled networking opportunities. Guests will enjoy exceptional food stations, an open bar, live music, silent auction, and stay tuned for announcement on our special guest and presentation. VIP Access for Our Premier Sponsors. 

Visit https://saratogaseniorcenter.org/music-and-mingling/ for more information.

Concert for One: A One-of-a-Kind Musical Experience

Tuesday, June 24 | 10:30am | FREE | Open to the public

Performed by professional musicians on clarinet, flute, cello, and trumpet. In this special event, one professional musician performs just for you—one audience member, one minute, one unforgettable connection. Choose a color that reflects your mood, and that color will guide the music selected just for you and enjoy a personal performance tailored just for you. After your private concert, stay for coffee, cookies, and conversation with fellow music lovers. Come curious, leave inspired!

Dads Matter: “Mothering Boys”

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

At the risk of shocking you all, I must admit that I spend a lot of time thinking about motherhood. I know! You’d never have guessed it.

This is due, of course, to the fact that I have children, but I also see that I am a mother-figure in other areas of my life. Certainly my younger siblings have been on the receiving end of their big sister’s motherly ways (for better and worse!), and I can also see that I have a certain maternal presence with my students. It’s become more obvious to me now that I’m a teacher why students sometimes call their female teachers “Mom” by accident. I find myself saying things to my students that I would say to my own kids, and caring about my students in a way that feels particularly mom-like.

What I haven’t thought about as much until recently (but should have, since my boys may be fathers one day), is how often men are father-figures to those in their lives, whether they intend to be or not. For example:

• After a recent at-bat in which my son struck out, his baseball coach thumped him on the helmet in a way that was unmistakably supportive and encouraging, but not at all the way I would have chosen to show such emotion. It seems so very dad-like to me, the way that male coaches are with their players.

• Years ago, I watched an older gentleman at church walk over to a younger man who was there with his wife and children and who was also wearing a winter hat. The older man actually got out of his pew to tell the younger man to take his hat off in church. The way the older man approached the younger man seemed familiar, it felt like the way a dad would remind his son for the thousandth time that hats are not to be worn in church. This might be off-putting to certain people (including the guy with the hat), but little lessons like that can help set a man up for success in life (or at least avoid failure), which is certainly a way to show love.

• My husband sent me a photo recently when I wasn’t home of one of my older boys out in the backyard with his youngest brother — he was taking the time to give him some baseball instruction and model for my little guy what he should be doing when he’s in the field and when he’s up to bat. Yes, he was being big-brotherly, but it was also really dad-like — my older boy had clearly learned from watching his dad how to help a little guy learn more about playing baseball.

• When my oldest got home from college at the end of the semester, I asked him several times to take charge of getting one of his younger brothers to baseball when I was having a hard time figuring everyone’s schedules out — I asked him to take his brother to the field and stay with him until my husband or I was able to get there to relieve him, which sometimes ended up being almost two hours. It was important to me that my younger son have someone there for him, and my oldest boy really struck me as a great fatherly stand-in.

Though we know that, unfortunately, it isn’t always the case, the first example a person should have of a good man is one’s own father, and after that, or in absence of that, the other men in one’s life contribute to a person’s understanding of how to mature and move through the world. Of course this is one of the reasons it’s particularly concerning to me when men refuse or are unable to be good role models for others; I do believe we have a responsibility to each other (to a certain extent), and whether they want to be or not, dads are important.

I recently became aware of a man named Rob Kenney who has a YouTube channel called “Dad, how do I?” Rob started his YouTube channel initially for his own kids after some conversations with his daughter about how to do various things that adults should or would like to know how to do; he asserts that the fact that his dad left he and his siblings when Rob was a teen meant that he had to learn some things on his own that his dad should have taught him. His YouTube channel is five years old and has over five million followers, so it seems pretty clear that information on how to change a tire, shave, tie a tie, jump start a car, and various other car maintenance, style and grooming, and DIY topics that Rob addresses in his videos is filling a need. But it’s not just the topics (loads of other places online could provide the same information), but it’s the way they’re conveyed. As one article on abcnews.com about him reported, he speaks “to the camera like he would his own children.” 

And it’s not just that he’s speaking as a parent, but particularly as A Dad. Anyone can learn and teach how to unclog drains and fix cars and toilets, after all. My husband was raised by his amazing mom on her own after his dad died when he was tiny, and he learned or figured out all the things he needed to. I myself have tied my boys’ ties for them when their dad isn’t home and practiced sports with them, taken out the garbage and fixed the shower faucet … but dads are different from moms and have a specific importance, one that’s irreplaceable and all their own. That’s what I celebrate this weekend!

I hope all you wonderful fathers and father-figures are encouraged by the importance your presence has in the lives of those around you, especially younger people! Who you are and what you do makes a difference, and even if you don’t see your impact, it’s there. Happy Father’s Day!

Kate and her husband have seven sons ages 20, 18, 16, 15, 13, 11, and 6. She can be reached at kmtowne23@gmail.com.

Cash Reserves: Your Financial Foundation

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

In the unpredictable landscape of personal finance, a robust cash reserve acts as a crucial bulwark against unforeseen expenditures and economic uncertainties. Often referred to as an emergency fund, this readily accessible pool of money is not merely a financial nicety but a fundamental cornerstone of a stable and secure financial future. The importance of maintaining an adequate cash reserve cannot be overstated, as it offers peace of mind, financial flexibility, and protection against the ripple effects of life’s inevitable surprises. 

One of the primary benefits of a well-funded cash reserve is its ability to absorb the shock of unexpected expenses. Life is replete with unforeseen events: a sudden job loss, a medical emergency, a major car repair, or an urgent home renovation. Without an emergency fund, these situations can quickly spiral into financial crises, forcing individuals to resort to high-interest debt, such as credit cards or personal loans, which can trap them in a cycle of mounting interest and principal payments. A readily available cash reserve, typically held in a liquid account like a savings account or money market fund, ensures that these emergencies can be handled without derailing one’s financial progress or jeopardizing long-term goals.

Beyond mitigating immediate crises, an adequate cash reserve provides a vital sense of security and reduces financial stress. Knowing that you have a safety net to fall back on can significantly alleviate the anxiety associated with financial instability. This peace of mind allows for clearer decision-making and a more proactive approach to financial planning, rather than constantly reacting to external pressures. It empowers individuals to take calculated risks, such as pursuing a career change or investing in further education, knowing that they have a buffer to support them during transitional periods.

Furthermore, a healthy cash reserve offers financial flexibility, allowing individuals to seize opportunities or navigate economic downturns without compromising their financial health. In times of economic uncertainty, such as recessions or market corrections, those with robust cash reserves are better positioned to weather the storm, avoiding the need to sell investments at a loss or make hasty financial decisions. Conversely, having readily available funds can enable individuals to take advantage of unexpected opportunities, such as a time-sensitive investment or a significant discount on a major purchase, without incurring debt.

The conventional wisdom suggests maintaining a cash reserve equivalent to three to six months of essential living expenses. However, the ideal amount can vary based on individual circumstances, including job security, health, dependents, and risk tolerance. For those with less stable income or higher financial commitments, a larger reserve might be more appropriate. The process of building this reserve often requires discipline and consistent saving, but the long-term benefits far outweigh the initial effort.

A  robust cash reserve is not just a recommendation; it is an imperative for anyone seeking financial resilience and peace of mind. It serves as a shield against unexpected financial shocks, reduces stress, and provides the flexibility to navigate life’s challenges and opportunities with confidence. Prioritizing the establishment and maintenance of an adequate emergency fund is a proactive step towards building a secure and stable financial future, ensuring that you are prepared for whatever life throws your way.

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 Have a Healthy Lunch Hour at Work

Written by Dr. Kevy on . Posted in Families Today.

Cute self-made bento to eat at work

In the hustle and bustle of the workday, lunch can often become an afterthought, leading to unhealthy eating habits that negatively impact your health and productivity. However, making intentional choices during your lunch hour can be a powerful way to nourish your body, recharge your mind, and enhance your overall well-being. Here’s how to have a healthy lunch hour at work.

Understanding the Importance of a Healthy Lunch

A well-balanced lunch plays a critical role in sustaining your energy levels and focus for the rest of the day. Poor lunch choices or skipping lunch altogether can lead to fatigue, irritability, and decreased productivity. A nutritious lunch, on the other hand, can improve cognitive function, mood, and physical health.

Benefits of a Healthy Lunch

1. Enhances Energy Levels: A balanced meal can keep your energy levels stable throughout the afternoon.

2. Improves Focus: Nutrient-rich foods support brain function, helping you stay alert and productive.

3. Promotes Healthy Eating Habits: Making balanced choices at lunch sets the tone for healthier eating throughout the day.

4. Reduces Stress: Taking a mindful break to eat can lower stress levels, promoting better mental well-being.

Strategies for a Healthy Lunch Hour

1. Plan Ahead

One of the keys to a healthy lunch is preparation:

– Meal Prep: Dedicate some time at the start of the week to prepare healthy meals. This ensures you have nutritious options readily available, making it easier to resist unhealthy choices.

– Balanced Choices: Aim for a balanced plate that includes lean proteins, whole grains, healthy fats, and plenty of fruits and vegetables.

2. Make Smart Food Choices

When selecting your lunch, keep the following principles in mind:

– Incorporate Protein: Include lean proteins like grilled chicken, fish, or legumes to keep you full and satisfied.

– Choose Whole Grains: Opt for whole grain bread, brown rice, or quinoa for added fiber and nutrients.

– Load Up on Veggies: Aim to fill half your plate with vegetables, whether fresh, steamed, or roasted. They provide essential vitamins and minerals.

– Include Healthy Fats: Add sources of healthy fats like avocado, nuts, or olive oil to improve heart health and satiety.

3. Stay Hydrated

Drinking water is often overlooked during lunch hours:

– Keep Water Handy: Make it a habit to drink plenty of water not just during meals but throughout the day. Aiming for a minimum of eight 8-ounce glasses can keep you hydrated and aid digestion.

– Infuse Your Water: If plain water doesn’t excite you, consider infusing it with fruits or herbs for a refreshing twist.

4. Mindful Eating

Mindfulness can enhance your lunch experience:

– Take a Break from Screens: Avoid eating at your desk while working. Step away and give yourself time to enjoy your meal without distractions.

– Savor Each Bite: Eat slowly and focus on the flavors and textures of your food. This can help you appreciate your meal more and prevent overeating.

5. Incorporate Physical Activity

If time allows, use your lunch hour to incorporate some physical movement:

– Take a Walk: A brief stroll outside can refresh your mind, improve mood, and help digestion.

– Stretch: Incorporating simple stretches at your desk can relieve tension and enhance circulation.

6. Connect with Colleagues

Making your lunch hour a social occasion can enhance your experience:

– Lunch with Colleagues: Sharing meals can foster connections and make lunchtimes more enjoyable. Use this time to unwind and converse outside of work tasks.

7. Plan for Snacks

Consider the time after lunch and how it can influence your energy levels:

– Prepare Healthy Snacks: Having wholesome snacks like nuts, fruit, or yogurt on hand can prevent afternoon slumps and keep you on track until dinner.

A healthy lunch hour is essential for maintaining your physical health and enhancing productivity at work. By planning, making mindful food choices, staying hydrated, and incorporating movement, you can transform your lunch hour into a nourishing break that revitalizes your body and mind. Adopting these practices doesn’t just improve your health; it also creates a more enjoyable and fulfilling workday. Start today, and make your lunch hour a cornerstone of your wellness routine!

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.