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Back To School & Your Finances

August 29, 2018 by Scott M. Kahan, CFP®

As September rolls around and school begins, no matter what age you are, it always feels like it is the beginning of a new year. It’s also a good time to review your finances and make any changes before the end of the year. Here are a few year-end things to consider:

• College Planning – Make sure to fund your 529 plan before year end. You can deduct up to $10,000 if married or $5,000 if single on your New York State tax return. Even if you will need the money to pay college tuition in January, you can fund the 529 plan, get the deduction, and then withdraw it to pay the tuition. Make sure you are funding the New York plan at NYSAVES.ORG. Go to NYSAVES.org to get started.

For those who have children in college or who will be starting college in 2019, you can complete the FAFSA forms beginning October 1st. If you looking for financial aid, schools often have limited resources so it’s best to get them done early.

• Retirement Plans – Are you fully funding your 401K, 403b and other work-related retirement plans? Review your current contributions to make sure you are getting the full benefit of the tax deduction and deferment that you can. In most cases you can fund $18,500 in 2018. If you are age 50 or older, you can add an additional $6,000 to your contributions.

• Tax Withholding – There has been much confusion regarding the new tax laws. With homeowners losing much of their property tax deductions starting this year, many may find that the lower tax rates are not having much of an impact. In fact, some taxpayers may actually have to pay more taxes than the prior year. Review your withholding and estimated taxes paid to date. If you need to make a change you can either pay an estimated tax payment or change your tax withholding. Now is a good time to review this with your accountant.

• Medicare Surcharge – If you are 65 or older and on Medicare, make sure to look at your income to see if you will be hit with higher Medicare Surcharges in the next year. IRMAA (Income Related Monthly Adjustment Amount) often is a big shock for many retirees each year. There are income limits that you should be aware of to help reduce this surcharge. Now is the time to look at your income and see how you can lessen the impact of IRMAA.

With tax deductions being reduced, now is the time to make sure you are taking full advantage of the available deductions you have. A “Back to School” review of the above areas can make sure your year-end planning goes smoothly!

Tauk Brings a Taste of the Beach to Armonk

August 29, 2018 by Marlene Kern Fischer

If you are feeling a little sad that the days are starting to get shorter and cooler, there is something you can do about it. A visit to Tauk, a new restaurant in Armonk Square, may be just what you need to help extend your summer and make you feel as if you’re still at the beach.

Armonk Native

Francis Leone, an Armonk native, has brought the best of Montauk to his new restaurant, which boasts fresh off the boat fish delivered daily. Born into a restaurant family (his uncle owns the Emilio’s of Morris Park the famous pizzeria and Italian restaurant in the Bronx), Leone credits his uncle for teaching him “everything I know about the business.” And after eating at Tauk a few times, I would say he knows a lot.

Casual & Relaxed Atmosphere

The atmosphere at Tauk is relaxed and casual, with the focus on food and fun. Montauk themed artwork adorns the walls inside the bright and inviting interior. There is outdoor seating available, as well. In fact, Tauk boasts one of the largest outdoor seating areas in Armonk. The outdoor patio, designed by Leone himself, will remain open into Fall; outdoor heaters will keep you warm on the cooler Fall evenings. The outdoor area includes couches that make hanging out with friends even more comfortable and inviting.

Varied Menu

The varied menu includes small plates like crispy brussel sprouts (the best I’ve ever had), a delicious yellow fin poke bowl served with tortilla chips and pico de gallo and a wild gulf shrimp cocktail served with the house cocktail sauce. Among their farm fresh salads, the golden and red beets salad is the most popular. And what beach themed restaurant would be complete without chowder? Tauk’s salmon chowder is prepared to perfection. There are also a variety of tacos on the menu, including braised beef, chicken, and crispy or grilled cod which are available in flour tortillas or corn shells.

Best Seller

The number one best seller at Tauk is the Montauk lobster roll, which can be ordered warmed and buttered or chilled with tartar sauce. Paired with a glass of cold Montauk beer, you will swear you can almost hear the surf roll on and off the shore and feel an ocean breeze. Other sumptuous entrees include the cod fish and chips, lobster mac and cheese, steak frites and seared wild salmon. Leone also recommends the burger with special Tauk sauce, which is prepared with organic meat and always fresh local ingredients. One of my family members, who is the pickiest of eaters, was thrilled with the crispy, fresh nachos and perfectly prepared Buffalo chicken wings.

Seasonal Offerings

For the fall, Tauk will add the Tuna-Wich, a thick tuna sandwich prepared by Chef John Poiarkoff, formerly of Restaurant North. Leone reminisced that “When I was a kid, tuna sandwiches were stuffed thick and every restaurant out in Montauk had its own version of it.” He wanted to recreate that memory with his own version here in Armonk.

Local Brews

If you want to hang out at the bar, Tauk’s is well-stocked with a variety of Montauk craft beers, ale and liquor which complement their many other selections. Leone said he “wanted to bring a piece of Manhattan to town” and the bar menu and vibe reflect that desire. There’s a television so that customers can watch the Food Channel or whatever sports game is on.

Dietary Restrictions

The restaurant is more than happy to accommodate dietary restrictions–for example both the tacos and the fish and chips can be made gluten-free, while the brussel sprouts can be made in a vegetarian preparation without bacon. Poiarkoff and his crew are also happy to make modifications on their menu items whenever possible; just speak to your server about any special requests. You will find the staff at Tauk knowledgeable, friendly, attentive and eager to please.

Open Hours

Tauk opens daily for lunch at 11 a.m.; dinner is served until 11 p.m. Monday through Thursday and 9 p.m. on Sundays. (The kitchen is closed between lunch and dinner from 3:00-5:00 p.m.) It’s important to note that Tauk is open until midnight Friday and Saturday, which is perfect for those who prefer to dine on the later side and enjoy a leisurely meal. Reservations are accepted, and take-out is also available.

So, don’t put away your summer whites just yet. If you want to feel as if you’re in Montauk (without the beach traffic) or just looking for a unique dining experience check out Tauk. You won’t be disappointed.

A Day in My Life of Shopping Locally–in June

June 5, 2018 by Inside Press

Shop Local enthusiast and blogger, Marlene Fischer

I know I am not alone when I say this Spring has been crazy busy. (Yes, I realize I say the same thing every year but it’s true!) During this hectic time of year I am grateful that I can get almost everything I need done right here in Armonk.

I start my errands with a trip to Framings on Main Street. Most of what hangs on the walls of my house has been framed by the talented, friendly and patient staff at Framings. While I don’t have much (or, actually, any) fine art, the folks there treat each item I bring in as if it’s a Renoir. I have framed my children’s artwork, family photos, certificates (like the one my youngest son received at Disney World that declares him a Jedi in training) and even a few of my favorite blog pieces. This time around I am proudly bearing my middle son’s diploma; he has just graduated college and I am happy to take advantage of the 20.18 percent discount Framings is offering on all diplomas. It doesn’t matter if your child just graduated from nursery school or received their degree in neurosurgery, the discount will still apply!

Next, I pop in to Manny’s with my youngest son, who is in desperate need of a haircut. My husband and three sons have been getting their hair cut at Manny’s for 20 years; we even have video of my youngest looking somewhat alarmed as he gets his very first haircut there nearly 16 years ago (and I still have a lock of his hair from that day). From their early haircuts when they needed booster seats to their summer pre-camp buzz cuts to their bar-mitzvah cuts to their very important job interview haircuts, the team at Manny’s has been there for us. Hairstyles may change but our choice of barber shop will remain the same. My boys always get a kiss from me after their haircuts (because they look so handsome) and I never leave without getting a Tootsie Pop or large gumball.

I walk to DeCicco & Sons where I have been grocery shopping almost daily since it opened. Not to brag or anything, but I feel like a celebrity when I’m there (although I’m guessing that’s how they make everyone feel). I love shopping at DeCicco because the produce is exceptionally fresh, their fish is delivered daily, and they have one of the best gourmet cheese selections I’ve ever seen. Summer is the perfect time to choose from their extensive assortment of beers; if you have any questions, the knowledge staff is more than happy to help. DeCicco may not be the biggest grocery store, however, I am always amazed at how I can pretty much get everything I need there (I was even able to buy a graduation card). And if they don’t have something on my list, they are happy to get it for me. If you see me there, please say hello!

Since the weather has finally warmed up after the endless winter, I drive over to Beascakes Bakery for an iced tea lemonade and to order a platter of themed cookies for a weekend barbeque we will be attending. Last time I brought cookies from Beascakes, our friends called them crack because they couldn’t stop eating them; they were that good. And in case you were wondering, people prefer the white half of black and white cookies. End of the year parties? Father’s Day (which don’t forget is Sunday June 17)? Graduation or birthday celebrations? A wedding? Camp Visiting Day? College send off? Whatever the occasion, Beascakes has you covered with their custom cupcakes, cakes, fruit pies and donuts, as well as their Best of Westchester award-winning chocolate chip cookies. If you can imagine it, they can bake and decorate it.

My husband mentions he’s able to get out of work a little early and, since I don’t feel like cooking, I get spruced up (which is no small feat on a weeknight) and meet him at Gavi Restaurant. We have been regulars there for decades; the warm staff always makes us feel welcome. Our oldest son still requests we go there when he’s home for a visit. Although we eat there year round, I love Gavi even more in the summer. The outdoor patio is perfect for having a glass of wine and enjoying the weather; I actually feel as if we are away when we dine al fresco at Gavi. The spinach salad, pasta dishes and fish are among my favorite things to order, although I can also be tempted by the delicious specials When we bring our whole family, dinner always ends with coffee or tea and the world’s best tartufo.

Wishing you all a fantastic summer; I hope it brings you fun, adventure and a sense of renewal. See you back here in the Fall when I will continue to shop locally!

25 Great Reasons to Discover Music in Chappaqua

June 1, 2018 by The Inside Press

Proudly celebrating its silver anniversary–a quarter century of service, music and harmony in the community, Music in Chappaqua, lead by director Janet Angier, salutes its students past and present, thanks its outstanding faculty and is excited for the next 25 years of music making! Here’s why:

1. You’re Never Too Young: Early childhood beginners, middle school and high school students are encouraged and welcomed to take up an instrument or improve their skills with our award-winning faculty

2. …And, You’re Never Too Old: Stopped playing when life became busy with career and family? In celebration of our quarter century, Music in Chappaqua is offering new adult students a 15 percent discount to come play and study with us. Just mention this article during the month of June for your first time discount..

3. Amazing Faculty: Enthusiastic, caring, supportive, encouraging, accomplished, and dedicated teachers on staff

4. We Listen to You: We match teachers with students’ learning styles, music preferences, and personalities

5. Award Winning Students: Whether you’re interested in classical music competitions, NYSSMA, NYSMTA, singer-songwriter or vocal competitions, our students are prepared to perform at their highest potential and go on to win across the board

6. Students Pursue Their Passions: Many of our students go on to continue their study at prestigious colleges and universities including The Manhattan School of Music, Interlochen Arts Academy, Julliard, Harvard University, Yale University, Stanford University, Berklee, and more

7. Students Become Professional Performers: Thriving careers in music started at Music in Chappaqua; such as world renowned mezzo soprano Stephanie Marshall, who now performs with the English National Opera, began her studies with our director, Janet Angier

8. All Genres of Music: Classical, Jazz, Broadway, Folk, Bluegrass, Country, Pop, Hip-hop, Rock, Progressive Rock, Metal and everything in between – we teach all styles and levels

9. All Instruments: Voice, Piano, Violin, Viola, Cello, Double Bass, Clarinet, Flute, Saxophones, Trumpet, Guitar, Electric Bass, Drums, Songwriting, Harmonica, and Ukulele

10. Easy Scheduling: Open 7 days a week all year round; generally follows the public-school calendar, extremely flexible summer opportunities

11. Flexible Teaching Locations: Lessons are offered in our Chappaqua studios or in the comfort of your home

12. Custom Tailored Curriculum: Your musical aspirations, needs and wants are listened to and a custom tailored program is designed for your private lessons or Rock Workshop experience

13. Specialized Approach: We aim to suit each individual student’s personal artistic and educational requirements

14. Serving Pros and Non-Pros: From absolute beginners to professionals who are preparing to go into the recording studio, all levels of skill are welcome to study with us

15. Positive Learning Environment: With opportunities to meet and make new friends performing or collaborating in rock bands, songwriting sessions, and recitals

16. Confidence and Self Expression: Students are encouraged and inspired with enthusiasm and exuberance; we believe real music making creates students who are comfortable and confident in their performances and with who they are as a person

17. Regular Performance Opportunities: Year-round performances offered including Open Mic Nights, Singer-Songwriter Shows, Formal Recitals, and Rock & Roll Shows

18. Fantastic Performance Venues: Performances take place where so many stars have launched careers; notable venues have included Steinway Hall, The Wainwright House, Rockwood Music Hall, and NYC’s The Bitter End

19. Beautiful Facility: Clean, modern exterior and interior designs, a relaxing lobby welcomes students and guests with visibility into cutting-edge, lesson studios

20. State of the Art Equipment: Four grand pianos, a fully equipped Rock rehearsal room, plus the latest computer hardware and software, all designed to enhance the learning and performance process

21. Beautiful Landscaping: Modern culture, art, architecture and design tucked into a convenient Chappaqua location, our space exudes peace and tranquility; a proud recipient of The Beautification Award from the Town of New Castle

22. Summer Rock and Roll Camp: A highly successful day camp that runs for 6-week long sessions, The New York Rock Academy places kids and teens at any playing level into bands with others of similar age, musical taste, and playing ability

23. Giving Back to The Community: Local groups and activities are sponsored by Music in Chappaqua such as the Town of New Castle’s Summer Concert Series and the recent March For Our Lives Benefit Concert

24. A Trustworthy Business For 25 Years: Proudly celebrating a quarter century of service, music and harmony in the community

25. You! Music in Chappaqua looks forward to welcoming you into our studios soon!

Chic and the ‘TAUK of the Town’ in Armonk

June 1, 2018 by Grace Bennett

A new Armonk Square establishment is earning this designation–delivering a beachy, chic vibe–its walls adorned with local art. Serving now: New American food with a twist that is local, farm-fresh and fresh caught. Creative cocktails and outdoor dining are all part of the fun. This publisher stopped in during a festive Cinco de Mayo celebration to sample a few specials. At the friendly bar, I sipped on a tart, refreshing Blood Orange Margarita and savored a most satisfying salmon chowder, perfectly spiced with just the right touch of crème and teeming with fish. To reserve, call: 914-730-1144 — Grace Bennett

Additional background about Tauk:

The Chef

Tauk offers an inspired menu of New-American cuisine, emphasizing locally caught Montauk seafood, reputably sourced meats, local produce, craft cocktails and beers. The restaurant’s chef, Sean Fitzgerald, who hails from previous stints at Purdy’s Farmer & the Fish and Xaviers X20, combines his classic technique with a passion for street fare and a modern twist.

The Menu

The eclectic menu offers something for everyone, with options ranging from salads and sandwiches, to off-the-boat seafood, to hand-blended burgers, to steaks. Lobster rolls, wings three ways and mini tacos, along with ever-changing offerings, are always fresh, with a unique flair. The emphasis is on local, healthy, sustainable and seasonal ingredients, along with gluten-free, vegan and allergy-sensitive options, all at a reasonable price.

Creative Cocktails

In addition to the restaurant’s great food, the bar at Tauk, operated by General Manager Sue Vitello (previously from Armonk’s Moderne Barn) offers inventive and exotic cocktails, a selection of local craft beers and selectively chosen wines. Creative pairing with the chef’s selections and ingredients adds another level of gastronomic pleasure.

The Owner

With influences from his childhood vacations in Montauk, Leone envisioned and designed this restaurant to combine the best of land and sea. Its beachy interior and casual-chic flair create a relaxed, coastal-American theme. Says Leone, “I wanted to bring my own expression of Montauk’s vibe to Armonk for everyone to enjoy.”

Visit www.taukkitchen.com for special announcements or follow them on Facebook!

The Vibe

Food can be enjoyed surrounded by the driftwood finishings and local art, or if you prefer to dine at home, you can order to go or have it delivered. In the warmer months, outdoor seating in beautiful Armonk Square will be available.

Tauk kitchen + bar

402 Main St., Armonk NY 10504

(914) 730-1144