Sarah Ellen Rindsberg

Back to College

August 26, 2017 by Sarah Ellen Rindsberg

By Scott M. Kahan CFP®

It’s that time of year when summer draws to a close and your children are going back to or starting college for the first time. Often, families have figured out how to pay for the current year and put off planning how to pay for the next year. Well, if you are like most families you probably have not saved enough to afford that $65,000 per year price tag that comes along with a private school education. Now is the time to get a jump start on planning how to pay for the next few years’ college tuition for your child.

When thinking about funding sources for your children’s college education, you may assume your family earns too much to qualify for Federal grants, loans, and work-study job assistance. However, families with higher incomes are frequently eligible to receive some form of financial aid from the Federal government.

Start with the FAFSA

For most financial aid and loan programs, it is required for you to complete the Free Application for Federal Student Aid (FAFSA) as the initial part of the process. In addition to determining your family’s eligibility for Federal assistance, the FAFSA is the primary qualifying form used by many college, state, local, and private financial assistance programs. The first step in applying for financial aid is filling out the FAFSA. The simplest way to complete the FAFSA is by applying online at fafsa.ed.gov.

The start date to file is October 1st and there is no reason to delay the filing. When completing the FAFSA, you will use your financial information from 2016. This is called prior-prior year since you are filing forms for funds for the 2018-2019 school year.

There are numerous programs available to assist you in paying for college. Stafford Loans, which are student loans and PLUS Loans, which are in the name of the parents are a few of the most popular loan programs offered. Pell Grants, unlike loans, do not have to be repaid.

It can be confusing, but the sooner you get started in planning and preparing, the easier it will be!

Scott M. Kahan, is a Certified Financial Planner® professional and President of Financial Asset Management Corporation, a fee-only wealth management firm located at 26 South Greeley Avenue in Chappaqua. Call Scott Kahan at 914-238-8900.

A Memorable Parade

April 17, 2015 by Sarah Ellen Rindsberg

Memorial Day 2014: Former Secretary of State and now candidate for President of the United States Hillary Clinton with Chappaqua resident Ellen Byck

Three cheers for the red, white and blue! This is a town that embodies the patriotic spirit of the country and proudly so. In the weeks preceding Memorial Day, colorful flags wave in the spring breeze, creating an emblematic border on the sidewalks of Chappaqua.

Notes penned by John Phillip Sousa cascade down King Street as marchers follow the cadence, or not, while sauntering down the hill. It’s a glorious day for all, a wonderful opportunity to witness and partake in the portrayal of a caring small town.

There is also a very special something in this parade which boosts attendance tremendously: the presence of one of the town’s most illustrious residents, former Secretary of State Hillary Rodham Clinton. Her allegiance to the event is exemplary. Every year since she has established residence in the hamlet, no matter how far away work takes her, she is here, marching, waving to her fellow townspeople, posing for prized photos.

Often, she is accompanied by former President Bill Clinton, another extremely friendly, famous person. He greets those he has come to know over the years and he seems always happy to meet and chat with new neighbors.

Invitations are sent to all Chappaqua-related dignitaries and many attend year after year. Schedules permitting, the town hopes to see frequent participants: Congresswoman Nita Lowey (one of Hillary Clinton’s fellow Wellesley alumnae), Governor Andrew Cuomo, County Executive Rob Astorino and Board of Legislators Chairman Michael Kaplowitz.

The day begins at the top of King Street, at Victory Corners, the intersection between King Street and Bedford Road, in front of Talbots.  A ceremony is conducted at 10:30 a.m. in front of the war monument.  A wreath is laid and taps are played. The parade begins punctually at 11, a fact proudly related by Parade Marshall James McCauley.

We checked in first with Russell Maitland, Fire Chief of Chappaqua who said that the parade has “grown quite extensively” during his tenure of 33 years. Members (including those as young as 16) of both the Chappaqua Fire Department and the Millwood Fire Department put on their finery and take their places. “It’s a multifaceted event which brings the entire community together on one day,” Maitland said. And yes, the town is assured of fire protection during the parade as well as on every other day. The sirens did sound one year during the event when they were summoned to put out a blaze. Both departments hastened to the scene and the parade immediately resumed.

Another vital service member of the community, the Chappaqua Volunteer Ambulance Corps, also participates. Dressed in uniform, some line up and others drive the vehicles. As for a strict interpretation of formal marching procedures, keeping members in a straight line suffices, Captain Joe Gentilesco related. This sentiment was echoed by many, the day being one for remembrance and joy after all.

For those cheering from the sidelines, it is heartening to hear that the support is truly valued. The rounds of applause resonate as the marchers’ sense of purpose is validated: “It’s different when you actually march in the parade. It’s a different perspective. It’s a real opportunity to see that people do appreciate you,” Gentilesco said.

Months of practice precede the appearance of the Horace Greeley High School symphonic band. Flautist Rebecca Schelling described practicing not only the music, but its execution in motion as well. The band lines up in formation on the track at Greeley and parades around. She related her actual parade day sentiment: “I like the excitement that you feel when you line up with everybody, decked out in their holiday spirit.” Band members wear red, white and blue attire.

For the Girl Scouts, playing a role in the parade is one of the highlights of the year and one taken very seriously; some march every year. It instills “a sense of respect,” Service Unit Manager of Chappaqua Girl Scouts Lori Townsend observed. “Even the youngest girls recognize the importance of paying tribute.” Each troop makes a banner to carry, adorned with their names. Lining up in age order, they appear in a variety of colorful uniforms. At the closing ceremony, they regard the red, white and blue flowers, designed in a chevron military symbol with pride for they added the white petunias and red begonias to the perennial salvia.

Supervisor Robert Greenstein spoke appreciatively of the bravery demonstrated by veterans and those who have given their lives in service to their country. He spoke fondly of Gabriel “Gabby” Rosenfeld, an active member of the community and purple heart recipient, who passed away on August 6, 2014. During the parade, Rosenfeld always rode in the side car of a motorcycle. “It won’t be the same without him. He was a hallmark of this event,” Greenstein noted.

Regular parade goers have their usual spots along the route (from the top of King Street down to the train station). For Ellen Byck and family, their spot of choice is in front of Bank of America, across from Dunkin’ Donuts. Amid the throngs on the busiest day in town, their friends can always find them.

Byck and her family always look forward to parade day. “We make a conscious effort to be there,” she said. As the daughter of a Korean War veteran, she is particularly concerned with recognizing those who have served: “It’s important to show our support, to actively participate in something that shows our support for veterans and those currently serving,” she noted.

This year’s parade “won’t be the same” without Gabby Rosenfeld, who was awarded a French Legion of Honor medal. Here, Gabby in the motorcade alongside his son Eric. Grace Bennett photo.

For Parade Marshall Jim McCauley each parade is considered special but there was one particularly poignant moment (cited by several people) that stands out. In 2007, the newly renovated bridge was dedicated in memory of Staff Sergeant Kyu H. Chay, who died in Afghanistan. His parents operate the New Castle Cleaners on King Street.  “The fact that we had one of our own die in combat really brought the meaning home,” McCauley said.

A common observation on the parade is that the event brings the town together. The sidewalks are full of residents and the route is full of proud participants. In addition to the aforementioned, here is but a partial roster of marching groups, most of whom are predicted to take their places again this year: New Castle Police Department escorts, veterans, clergy, Kerry Pipers, school bands, boy scouts, Revolutionary War squad, senior citizens, various community organizations, American Youth Soccer Organization teams and members of the town, school and library boards. At 11:30 am, a concluding ceremony is held at Memorial Plaza, in front of the train station.Veterans are recognized and names are read. Sometimes, the lives of several of New Castle’s fallen are recounted by students who have conducted research on their journeys. A second wreath is laid and taps reverberate. Ambulances and fire trucks stand at the ready. Lucky youngsters climb aboard.

McCauley wears his Green Beret and military uniform as he leads the parade. “Having served myself and having lost many colleagues, it’s a personal way of remembering those who have given their all and those who serve now.”

Secretary Clinton with our State Assemblyman David Buchwald. Carolyn Simpson/Doublevison Photographers

The parade strikes the right balance between reverence and revelry. There are many moments of solemnity, tears are shed. American values are proudly displayed and the rights of all people defended. Smiles abound and the sound of patriotic music wafts through the air.

So come on down, grab your flag or pick one up as they are distributed. Here’s a chance to show your support for your country and the hamlet.

Sarah Ellen Rindsberg’s prized memory of the parade is that of watching her own children march when they were young.

Contributing to the Beauty of our Town

March 4, 2015 by Sarah Ellen Rindsberg

Many factors contribute to the charm of our town. Friendly shopkeepers, delicious eateries and cultural events are but a few. Next time you’re downtown, view the area through a different lens, that of nature. Concentrate on the greenery and blossoms which truly enhance the wooded landscape. Several of these commercial area focal points reflect the vision and dedication of one exceptionally talented member of our community, Julie Greco.

We caught up with Julie Greco, independent landscape designer and the proud creator of the beautiful Pocket Park On North Greeley Avenue in downtown Chappaqua.

After moving here at age five, Ms. Greco’s passion for nature began to flourish. The strong interest in gardening imparted from her mother and grandmother helped create the foundation of her livelihood today as an independent landscape designer. Flower and vegetable plots were an integral part of her childhood. Extended family nurtured her passion, stopping by laden with plants from their own  gardens as gifts.

Donating her time and expertise is her way of giving back. During her 13-year tenure in the Chappaqua Garden Club, she served as chair of landscape design and chair of civic improvement. In addition, the Beautification Advisory Board has been graced by her presence as an active member.

When the town asked Ms. Greco to redesign the Pocket Park (the term connoting a space closed on three sides, open on one), she felt “honored” by the request. As a volunteer, she designed and developed the project from “inception to dedication” and continues to do so, maintaining the look and feel. The space harbors a special place in her heart, especially when she sees a mother pause to show her child, “the tile that mommy made,” in the mosaic on the southern wall.

The Pocket Park, nestled to the left of the row of buildings that includes Susan Lawrence on North Greeley Avenue, is to Chappaqua what the stately clock is to Grand Central. “Meet you at the Pocket Park,” is a common refrain.

Appreciation of the Pocket Park is accessible in any season. This is a reflection of Ms. Greco’s eye for elements that provide “texture and color, even when nothing’s in bloom.”

“Rhythm and contrast” are the omnipresent keys to year-round beauty. Foliage on the PJM rhododendron turns burgundy in winter. Spring brings soft hues of blue and yellow from flowering bulbs.

Residents linger, savoring the sanctuary. Birds perch in the birch tree and bunnies scamper underneath the shrubbery. Appreciation of the park is not limited to the aforementioned; it is also listed in the esteemed Garden Conservancy Catalog.

Evidence of her touch also appears in the triangle at the intersection of routes 117 and 120 at the top of King Street. This patch features extremely hardly plants, capable of withstanding the heat of the sun and the salt on the roads in wintertime. Ornamental grasses, waving in the breeze, are interspersed with red carpet roses and perennial salvia, adding vivid color.

To contact Julie Greco write to gardenkeeperjg@earthlink.net. For more information about beautification projects around town, contact the New Castle Recreation and Parks Commission at 238-3909.

Sarah Ellen Rindsberg, who very much admires great landscape design, is a frequent contributor to Inside Chappaqua and Inside Armonk magazines.

“An Angel to the Town” Town Justice Douglas Kraus

February 2, 2014 by Sarah Ellen Rindsberg

Residing Town Justice Douglas Kraus introducing Congresswoman Nita Lowey at January’s Town Hall Swearing in ceremony. Photo Carolyn Simpson

Normally, it would be hard to imagine how a corporate lawyer, working umpteen hours a week, would find time to volunteer. When the subject in question is Douglas Kraus, it is perfectly understandable. This is a man who possesses limitless energy and places a high value on public service.

When Gray Williams mentioned his finding that Kraus is “an angel to the town,” this reporter’s interest was piqued. How could it be that this town was so blessed yet few knew they were living among such a generous spirit? During the nearly 20 years that he has served as Town Justice, Kraus has donated his salary to projects designed to enhance the life of its residents, preserve historical venues and beautify the town.

In choosing where to donate the funds, Kraus often turns to his wife Alice for guidance. When she served on the recreation commission in the 90s, Alice mentioned the need for a playground at Gedney Park. Today, this spot continues to attract many a restless youngster and caregiver. Other contributions have funded the pocket park (nestled in between the row of storefronts including Sarah Lawrence and Sotheby’s International Realty on North Greeley Avenue) and the first bus providing transportation for seniors. The Northern Westchester Hospital and the ambulance corps have also benefited greatly.

One of the major recipients is the New Castle Historical Society, Kraus shares Williams’s interest in preserving the town’s cemeteries and serves on the board of Fair Ridge Cemetery. “That’s our local history,” Kraus notes.

“There is a lot of interesting history right in our midst.” He also mentions a burial ground on the west end of town where freed slaves are interred. Another project, the refurbishment of Horace Greeley’s statue, is completed thanks to Kraus’s generosity.

His decision to place a high priority on public service stems from several early memories. In 1961, President Kennedy pronounced these formative words: “Ask not what your country can do for you–ask what you can do for your country.”

“I heard these words at an early age and they made an impression,” Kraus recalls. In addition, his father served on the nominating committee for the Chappaqua school district and his mother was very involved in the community. “My parents enforced the importance of doing public service.”

In describing his role as town judge, Kraus is exuberant: “It could well be the best job I’ve ever had. It’s terrific to be able to do something that’s useful to the community.” The judgments he delivers from the bench reveal Kraus’s understanding of the impact of a sentence on an individual and on society. The way in which cases are dealt with “can make a difference in a person’s life.” he observes. “Often times, we’re able to get people into rehab or other treatment programs to help them get on a more constructive path.”

Kraus’s professional life also bears the imprint of his dedication to public service. He retired recently from Skadden Arps, a firm which has always placed a high importance on pro bono work. In the 1990s, Kraus chaired the firm’s pro bono committee. He has also served on the boards of the Legal Aid Society and the New York Lawyers for the Public Interest.

Those who know and work with Kraus in the community sing his praises. When Dick Burns was Town Supervisor, Kraus served on the town board. “I can’t think of anyone I would rather work with than Doug,” Burns says. “He’s extremely bright and has a good sense of humor.” An appreciative Gray Williams chimes in: “He’s generous and public-spirited.”

Sarah Ellen Rindsberg admires the dedication and enthusiasm demonstrated by Justice Kraus.

Blazing New Trails in Giving

February 2, 2014 by Sarah Ellen Rindsberg

At the WLC Pearls of Wisdom December Luncheon: Honored Guest Andrea Stewart Cousins, and Keynote Speaker, Retired U.S. Army Brigadier General Becky Halstead

The Women’s Leadership Council of Westchester and Putnam

Giving is an incredibly fulfilling experience. The knowledge that the time and financial resources donated enable people to better their lives makes it even more powerful. The United Way of Westchester and Putnam Women’s Leadership Council provides an exciting new way for those looking to contribute.

Naomi Adler, President and CEO of the United Way of Westchester and Putnam, reflects on the process which led to the genesis of the WLC. She recalls a discussion during United Way’s 50th anniversary in 2012 in which it was decided to “launch some new initiatives to tell people about United Way.” Affinity groups are identified as the best vehicle to achieve this goal. Adler notes that the majority of contributors in the philanthropic arena are women; women, she notes, prefer giving in groups with other women. When the recipients of such generosity are women and children, the level of engagement grows significantly.

During the formation of the WLC, member and Chappaqua resident Alyzza Ozer, Senior Vice President of Resource Development and Community Engagement at United Way of Westchester and Putnam, recalls the “analysis to determine which niche wasn’t being addressed.”

“Teach me to Fish” and “Smartstart”

The following statistic plays a major role in the selection of the WLC’s focus: Forty-five percent of single mothers in Westchester with children under the age of five are living below the poverty level–$23,000 a year for a household of four people on a nationwide basis. Two programs are designed and implemented by WLC: Teach me to Fish, for job training and Smartstart, for literacy development among at-risk elementary school children.

Last year, over 800 people received job training through Teach me to Fish. Its effectiveness is evident in this number: 70, the percentage of those who located work in the first year after completion of the program. Adler highlights another aspect which is greatly appreciated by members: “Very often, people give to philanthropies and they don’t get to experience who they help. This is giving something very specific where they’re helping people right around the corner.”

Volunteer participation in both programs is key. In Teach me to Fish, members choose from a variety of roles. Some serve as mentors while others offer the opportunity to practice interview skills. In Smartstart, the reading buddy project pairs volunteers with at-risk elementary school students. Volunteers work with students on a weekly basis or as often as their schedule permits. In the spring a mentoring program will be held for those interested in Teach me to Fish.

Ozer points to the appeal of WLC for those looking to contribute: ”It’s not just writing out a check. Women want to be involved in what they’re nurturing. They like to donate their time and energy and be advised on the returns they’re getting.” WLC volunteer opportunities are plentiful and quarterly updates are sent to all members.

Enthusiasm reigns among the members of the WLC. This incredibly talented group includes stay-at-home moms as well as those working outside the home. Randi Brosterman, a principal with Deloitte Consulting, has expanded her involvement with the United Way of Northern Westchester to include the WLC and appreciates the dedication of the members. “It’s a very energetic group, passionate about giving and giving back,” she observes.

There are many success stories attributable to the skills imparted in Teach Me to Fish. Johanna Cotto, a mother currently caring for her child who has Type 1 diabetes, enrolls in the program to develop her expertise in order to secure a position as a home health care aide. “If I had gone to a college to try to take a training this way and I had to pay tuition, it would’ve definitely been  a problem because I would not have been able to pay for it,” says Cotto. Information on accessing the services offered by WLC is available by calling the 2-1-1 helpline.

To become a member of WLC, contact Ozer at 914-667-9700 x725, or type uwwp.org and click on “join.”