Our store, located at 59 S. Greeley Avenue in Chappaqua, is an old fashioned hardware store… friendly, reliable, convenient, knowledgeable, and helpful. We are open seven days a week, during snow storms, hurricanes and power outages. Customers come to us at all hours for help with issues like replacing broken light bulbs, selecting paint colors, delivering BBQ grills, special ordering generators, and assisting with handyman projects. Chappaqua Paint & Hardware knows that a good hardware store is committed to helping our customers with all their household needs. Our #1 priority is to keep a happy home for every customer! chappaquapandh.com
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Getting to Know Matt Marucci at New Castle Physical Therapy
A Dedication to “An Utmost Attention to Quality of Care”

By Matt Smith
It’s the familiar adage we’ve heard time and again: “Change is good. Change makes the world go ‘round. Don’t be afraid of change.” While Matt Marucci, who opened New Castle Physical Therapy in March 2007, recognizes that change is indeed necessary for growing a business, he takes pride in knowing one very important element of his practice has remained constant since Day One: to “provide the highest level of care and service possible.” With a dedicated staff of six (four therapists and two receptionists) and rave reviews from clients throughout the county, we can undoubtedly agree that, although change is good in some cases, a successful strategy is better left untouched.
“Treating one patient per hour allows us to provide a level of individualized care that is rare in today’s health care environment,” Marucci explains, when asked what makes his clinic unique. “Whether it’s the front desk or the therapists, everyone here cares about the people who walk through our door. I think that sets a positive foundation for the experience patients have here.”
Patients come to NCPT with all types of injuries and conditions. Concerning the problems NCPT specifically treats, “We run the gamut,” says Marucci, adding that their practice has no age limitations: “We see everyone from adolescents to geriatrics.”
Citing patients with long-term conditions such as cerebral palsy or stroke recovery, but also those with every day “sprains and strains or aches and pains,” in the back, neck, knees, or shoulders, to name some major problem areas, he explains that the range of conditions is so extensive, it truly encompasses “anything under the realm of orthopedics.”
Through its affiliation with the Hospital for Special Surgery, and in consultation with experts from the Hospital, NCPT also helps patients with unique orthopedic conditions and post-operative rehabilitations.”
Marucci assures that no matter the extent of the patient’s condition, all issues are treated with the utmost attention to the quality of care.
With such a strong focus toward the well-being of his patients, it’s clear Marucci has a lot to be proud of; but there’s one aspect of the practice that he believes most significantly contributes to successful treatment: the company’s “one patient per hour” approach. He stresses the importance of the one-on-one relationship between patient and therapist, especially when dealing with long-term conditions.
He explains that by extending the length of therapist/patient sessions, therapists are able to complete a more thorough evaluation and treatment strategy. “It’s a matter of [staying with the patient] and helping them break it all down so they have a thorough understanding of what they can do to help themselves,” he says. “All of our therapists have or are working on advanced certifications, and [have] plenty of continuing education, but if we only have 15 minutes with a patient, there is only so much we can do.”
A full hour of treatment also means the patient can use that time to thoroughly understand his or her condition, and work with the therapist to improve it and alleviate any associated pain. With this in mind, Matt urges therapists to take full advantage of the time spent with their patients, stating, “The ability to empower people through their recovery is a wonderful opportunity,” and it’s not to be taken for granted.
Marucci certainly knows this to be true in the case of his practice, and he recognizes that providing excellent care means continuing hard work. Speaking specifically about which achievements make him most proud, he says, with a smile: “the community of people that has formed here.” He takes satisfaction in knowing that, by launching the practice, he has indirectly created a unique family environment, which grows wider and stronger each year, adding life and vibrancy to a place that literally had none before.
“When we first found this space, it was a very stale, generic office space,” Marucci explains. “To [look at it now and] see the community and camaraderie that has developed is very fulfilling.” In describing the rare connection between members of this group, he makes particular mention of the special bond longtime patients have, not only with the staff and therapists, but with other longtime patients.

“There’s just something about seeing that connection that makes me very happy,” he continues. “It makes it feel like home.” 
What’s more? Not only is his family expanding at work, it’s also expanding at home: his second daughter, Nora, was born on May 9, 2015. And while adjusting to life with a new one has been somewhat hectic. “Last night was a rough night,” he admits. He gives full credit to wife, Laura, also a physical therapist at NCPT, for helping to make the transition between home and work (and back again) very smooth. “She’s my rock at home,” he says. “And she’s a great mother.” Ultimately, with the baby sleeping (mostly) through the night, and their three-year-old daughter, Clare, comfortable in her role as big sister, Marucci notes, rather contently, that “all in all, life at home is great.”
And considering the ongoing success of NCPT, one could also say the same is true of life at work. Of course, none of this is lost on Marucci, who also wishes to extend his thanks to the many patients–the “very vocal advocates”–who consistently recommend the facility to their friends. “[Word of mouth] is the lifeblood of a small business,” he comments. “It’s appreciated more than they’ll ever know.”
As for the success of the business itself? “It’s crazy,” he remarks. “You open up, hoping for the best, staring at the phone and hoping that it rings, and seeing it slowly build and build and build…” He throws his hands up in amazement. “We’ve been very fortunate. I’m extremely grateful.”
New Castle Physical Therapy is located at 16 Schuman Road in Millwood. For more information, please visit newcastlept.net
Markets have you Down?
By Scott Kahan

It’s been a rough start for the equity markets in 2016. It’s hard not to panic and want to sell everything waiting for the markets to settle down. Wouldn’t it be nice to get a steady 4% return every year rather than all these ups and downs? Consider this: Since 1950, the U.S. markets have experienced a decline of between 5% and 10% in 35% of all calendar years; 20% of the time a decline of 10-15%, and 17% of our last 56 stock market years have seen downturns, at some point in the year, of more than 20%.
The very fact that stock downturns scare people is one reason why stocks deliver a higher return than bonds. Economists call it the “risk premium;” which is a form of compensation for investors who tolerate the extra risk–compared to that of a risk-free asset. Over their history, stocks have delivered higher long-term returns than bonds and cash.
But you should view your investments through a financial planning filter. Before you make changes to your portfolio, you should review your goals and objectives. If they haven’t changed, then there is probably no reason to make major portfolio changes. It may be a good time though to rebalance your portfolio based on your overall goals and objectives.
Market downturns give an advantage to those who are willing to practice disciplined re-balancing among different asset classes. Basically, that means that when stocks go down, any new cash goes disproportionately into stocks to bring them back up to their former share of the overall portfolio. This approach takes the emotions out of investing.
If you’re accumulating for retirement by putting money in the market every month or quarter, each downturn means you can buy shares at a bargain price while many other investors are selling out at or near the bottom. Over time, as the market recovers, this can give a little extra kick to your overall return.
If you are in retirement, you should have 12-18 months of liquid funds available in a money market so you don’t have to sell when prices are low. As you rebalance during the year, you fill that cash “bucket” to maintain the needed liquidity.
If you are focused on your financial planning, then market downturns should not be a time to panic, but rather viewed as a normal occurrence and possibly an opportunity.
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 238-8900 or write to skahan@famcorporation.com.
Harvey Cavalier Summer Camp OPEN HOUSE: Sat., Feb. 6

The Harvey Cavalier Summer Camp will hold its next off season open house, Saturday, Feb. 6, at The Harvey School, 260 Jay Street, Katonah, NY from 10 a.m. to 2 p.m.
The 125-acre camp, which features arts, crafts, theater, dance, gymnastics, swimming, sports and ice skating, is a limited enrollment program for children entering Pre-K through ninth grade in September 2016.
The 2016 summer session begins Tuesday, July 5, and runs through Friday, Aug.12. For more information, parents should call (914) 232-0581 or visit: www. harveycavaliercamp.org
Should the event need to be postponed due to bad weather, the open house would be held Feb. 20.
Harvey Cavalier is a private, nonprofit camp for children who live in the counties of Westchester, Putnam and Fairfield, Conn.

Quaker Hill Tavern: Celebrating 10 Years!
Story and Photo By Karen Talbot

Open every day for dinner, and Wednesday to Sunday for lunch, this casual family restaurant offers a place for individuals or families to meet, enjoy a good meal at a reasonable cost; regular patrons frequently come back again the same week. The owners and the staff take pride in knowing their guests and remembering their food and drink preferences.
A “10514 Burger” is very popular, served on grilled rye with Swiss cheese, sautéed pastrami, house made slaw and Russian dressing with a side of house French fries. Chili, soups and salads are also offered for lunch. Customers repeatedly order chicken wings in three flavor and size choices, fish tacos, seven burger choices and the N.Y. strip steak for dinner. Quaker Hill Tavern is not open for Thanksgiving or Christmas, but leading up to the Holidays, Erin will create a special cocktail and Erick will make a dessert that recognizes Holiday traditions. To celebrate their 10 years in business, and to support worthy causes, Quaker Hill has also designated 10 Mondays: “Monday Matters,” and donates 10% of their gross sales to a worthy charity.
61 N. Bedford Road, Chappaqua
914-238-6416
facebook.com/QuakerHillTavernChappaqua
Karen Talbot is a Westchester-based personal shopper and restaurant reviewer. The love of cooking runs in her family! Karen’s son Alex and his wife Aki Kamozawa started a food blog “Ideas in Food” in early 2000, and they have just opened “Curiosity Donuts” in the Stockton Market in Stockton, New Jersey.
