The Inside Press

Magazines serving the communities of Northern Westchester

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Possible Signs of Depression

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Courtesy of Break the Hold

1. Trouble concentrating, remembering details, and making decisions

2. Fatigue, irritability, restlessness

3. Hopelessness, pessimism, feelings of guilt, worthlessness, and helplessness

4. Insomnia, early-morning wakefulness or sleeping too much

5. Loss of interest in things once pleasurable, including sex

6. Overeating, or appetite loss

7. Aches, pains, headaches

8. Digestive problems & cramps that don’t get better, even with treatment

9. Persistent sad, anxious, or “empty” feelings

10. Self-harm, suicidal thoughts or attempts

Visit us at BTHbreakthehold.org

Not everyone who is depressed experiences every symptom. Some people experience a few symptoms, some many. The severity of symptoms varies with individuals and also varies over time. Recognizing the symptoms is key. Unfortunately, half the people that have depression never get it diagnosed or treated. If your depression goes untreated, it can lead to pain and possibly suicide. If you or someone you know is struggling with depression your regular doctor is a good place to start. They can screen you for depression and help you manage your symptoms. Source: https://www.webmd.com/depression/guide/detecting-depression#1

Ten Reasons to See What Temple Beth El is All About!

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Courtesy of Temple Beth El

1. Temple Beth El welcomes all who wish to participate in Jewish life with an inclusive and enriching community, led by our award-winning clergy: Rabbi Jonathan Jaffe, Rabbi Maura Linzer, and Cantor Elizabeth Sternlieb.

2. Our vibrant Religious School emphasizes experiential learning and family education, with a wide array of programming that includes trips to Washington, D.C. and New York City.

3. The TBE Early Childhood Center provides children of nursery school age with a fun, exciting, and developmentally appropriate program in a warm, nurturing preschool environment.

4. Attend our monthly Tot Shabbat and Family Worship Services that engage our younger congregants. Save the date for our Scout Shabbat on February 28!

5. Holiday and festival celebrations for all ages – Join us for the Vodka & Latkes Adult Social prior to our Chanukah Service or be part of the cast for our upcoming Purim Spiel: The Marvelous Mrs. Maisel!

6. Deeply meaningful High Holy Day services filled with reflection, prayer, celebration, and community.

7. Numerous Adult Programming and Education opportunities that range from an annual Scholar-In-Residence program featuring prominent figures in the Jewish spiritual, intellectual, and political arenas to Sunday morning classes with our clergy.

8. Deep commitment to tikkun olam, social action, and social justice with our new Year of Mitzvot programs. Volunteer for our Emergency Shelter Partnership, Cooking for Neighbors Link, or our annual “Soup’er Bowl” Sunday!

9. A commitment towards inclusion and outreach to individuals and families of all backgrounds and needs, as well as a welcoming approach to interfaith families.

10. Making connections with our friends and neighbors in the broader community through Interfaith initiatives and creating joint programs with Antioch Baptist Church and the Upper Westchester Muslim Society.

Visit us at bethelnw.org

You Can’t Time the Market

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By Richard Bloom

Why You Should Avoid Practicing Market Timing

There are many things that could affect the overall equity market and any individual stocks you may own—from economic trends to geopolitical events like an election. What is certain is that the market will always have its peaks and dips.

This market cycle can make it tempting for investors to attempt to buy and sell stocks at particular times to maximize gains and avoid down periods. This investment strategy is known as market timing, the practice of moving in and out of the market based on predicting when the market will shift.1

Missing out on Market Moves

Although the idea of market timing can be tempting, it is also extremely difficult for most investors to predict the future of the market. In fact, those who try to time the market may actually underperform investors who simply buy and hold stocks.2

One reason is the tendency of the market to experience big upswings and downswings on adjacent days during periods of market volatility. That means an investor who sells after a substantial down day for the market may miss a subsequent period of gains. Also, many investors let emotions dictate their actions, leading them to buy stocks when the market has already gained in value, only to sell when the market has declined, leading to sluggish returns. Moreover, even with sophisticated tools to analyze the factors affecting stock prices, it is very difficult to forecast future stock market movements.

Also, missing out on just some days in a market cycle can drag down returns considerably. The S&P 500 generated an annualized return of 9.6% between 1990 to 2018 for investors who were invested during that entire period. Investors who missed just the 15 best days during that period only enjoyed returns of 3.6%, and investors who missed the best 90 days actually suffered an annualized loss of 3.5%.3

Market Timing Can Carry Costs

Along with possibly missing out on market gains, market timing can have other penalties. The transaction costs from buying and selling stocks can add up and drag down overall returns. In addition, investors who do sell stocks for a gain will likely trigger capital gains taxes, again reducing their overall profit.1

Creating and staying with a financial strategy can help you avoid making rash moves in response to what’s happening in the market. A Financial Advisor can help you tailor a framework that’s set against your long-term goals and considers key aspects of your financial life, from your age and aspirations to current market opportunities. While market conditions may vary, a personalized, adaptable wealth strategy that’s centered around your life goals should remain a constant as you build your wealth and plan for your future.

FOOTNOTES

1 – https://www.investopedia.com/terms/m/markettiming.asp
2 – https://www.forbes.com/sites/simonmoore/2016/03/07/the-myth-of-market-timing/#53448611461e
3 – Morgan Stanley Client Conversations & Primers, Intro to Investing PDF – Market Timing Is a Flawed and Costly Strategy Charts

DISCLOSURES

Article by Morgan Stanley and provided courtesy of Morgan Stanley Financial Advisor.

Richard Bloom is a Financial Advisor in 1290 Avenue of the Americas, New York, NY 10104 at Morgan Stanley Smith Barney LLC (“Morgan Stanley”). He can be reached by email at Richard.Bloom@morganstanley.com or by telephone at (212) 893-7597.

This article has been prepared for informational purposes only. The information and data in the article has been obtained from sources outside of Morgan Stanley. Morgan Stanley makes no representations or guarantees as to the accuracy or completeness of the information or data from sources outside of Morgan Stanley. It does not provide individually tailored investment advice and has been prepared without regard to the individual financial circumstances and objectives of persons who receive it. The strategies and/or investments discussed in this article may not be suitable for all investors. Morgan Stanley recommends that investors independently evaluate particular investments and strategies, and encourages investors to seek the advice of a Financial Advisor. The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives.

Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.

Richard Bloom may only transact business, follow-up with individualized responses, or render personalized investment advice for compensation, in states where he is registered or excluded or exempted from registration, http://brokercheck.finra.org/Search/Search.aspx.

© 2018 Morgan Stanley Smith Barney LLC. Member SIPC. CRC 2297755 11/2018

What We Love About Breezemont

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Courtesy of Breezemont Day Camp

1. Our highly trained staff and very high camper to counselor ratios

2. Our well balanced range of activities

3. Our new facilities and fields

4. Our beautiful lake

5. Our towel service

6. Our Red Cross Certified Swim Program and heated pools

7. Our nut free, no outside food policy, hot lunches and allergy specialist on site at all times

8. Our Registered nurses at camp each day

9. Our qualified and experienced  leadership team

10. Our wonderful Breezemont families that create our special community

Visit us at breezemontdaycamp.com.

COR Performance: Training Kids for Athletics

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We often hear parents ask: “Could my son’s injury have been prevented with strength and agility training?” or “My daughter is an excellent athlete, clearly a D1 caliber, what do I need to ensure that competitive edge?”

The most pressing questions, however, revolve around the potential benefits of starting your child on training at an early age. And how young is ‘too young’ to start?

Meanwhile, both you and your child may have big dreams of one day of playing college sports, or even professionally, but some kids simply want to play high school sports and create lifelong health and wellness habits.

Until recently, the standard approach to train young athletes would lead only to damage to the spine, stunt growth and/or ultimately result in injuries. Many even believed that strength training for kids results in slowed progression of athletic development.

All of this is true and false depending on how, what, when and why you are training.

Today, thanks to new research and practical knowledge, we better understand the biomechanics and the role it plays in all stages of a child’s life. We know for certain that a safe and age appropriate approach to athletics can be EXTREMELY beneficial to children in the long run.

Children who participate in a regular fitness routine or lifestyle tend to be a step ahead, developmentally speaking, of those that do not–in height, weight management, muscle strength, lung capacity, even body control, as well as self-confidence. Studies have also found a resistance training program can also have a great impact on strength prior to adolescence. With the proper trainer and program, preadolescents can attain the same levels of strength gains that their adolescent counterparts do, regardless of gender.

The Mayo Clinic, an authority in health research, has stated that kids should start age-appropriate strength and athletic development training as early as 7 or 8 years of age. At these early ages, you can expect a longer positive effect on a child than just playing sports.

If we invest the time to properly teach, train and develop our children now, we are maximizing their chances of long-term physical, mental and developmental success. As puberty, competition and challenge come into play, your child’s mind and body will be prepared. Call 914-273-3413 now to get your little athlete training!

COR Performance (CP) is a 16,000-square-foot facility located in Armonk, NY, featuring an indoor turf, fully equipped gym and onsite sports medical personnel. At CP, we focus on the four pillars of strength training: Strength, Mobility, Power, and Agility. We know what it takes to be reach optimum performance: Hard Work, Positive Attitude, and a Burning Desire to be the Best. CP trains; young athletes, amateurs, as well as professional athletes.