The Inside Press

Magazines serving the communities of Northern Westchester

Back to School

Back To School & Your Finances

by

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!

Safeguarding Your Child’s Health at School

by

As summer comes to a close, local parents can be found buying notebooks, pencils and clothes and getting ready for the changes in routines and activities that a new school year brings. But what about safeguarding the health of children returning to school?

Along with new challenges and commitments can come new exposure to all kinds of viruses, not to mention that plague of camps and classrooms alike: lice. According to Dr. Ellen Lestz, a pediatrician with White Plains Hospital Physicians Associates in Armonk, weather changes such as those experienced in our area in the fall cause viruses to be more prevalent, and “your standard communicable things” are the most common at back-to-school time: Viruses that cause maladies such as colds, coughs and gastrointestinal problems.

Handwashing Is Key

Dr. Lestz said handwashing is the “most important” defense. Noting that many classrooms have hand sanitizer available, she stressed that children should clean their hands before lunch or a snack. “It’s good when teachers reinforce this at the beginning of the year,” she said, “and when they teach children how to cough and sneeze appropriately.”

Kids and adults alike should sneeze or cough into their elbows, not their hands, and if a hand is accidentally used to stifle a cough or a sneeze, handwashing should follow right away.

Lestz also pointed out that students need a nutritious diet and enough sleep to remain healthy, and she recommended that parents work on changing sleep schedules about a week in advance of the school year, back to school-year timeframes.

“I think that will kind of prime their immune systems,” she said.

Keeping Lice at Bay

As far as lice goes, Lestz said that while probably more common at camp, it can be a problem at school as well. Besides the usual admonitions not to share hats or combs and to keep long hair back, Lestz said there’s not a lot of evidence that over-the-counter products advertised to repel lice actually work.

But when a kid does have lice, Lestz said it can be a good idea to call on a lice professional. Besides great combouts, these lice-eradication experts are good at communicating to parents and children the steps they need to take in order to prevent recurrence. “They’re so, so thorough,” Lestz said.

The National Association of School Nurses (NASN) also recommends that parents review proper hygiene to prevent the spread of infections before school starts, and parents should know their school’s policy regarding when to keep sick kids home.

Parents should also have child care plans for sick children if needed, and in addition to required up-to-date vaccines, the NASN Back-to-School family checklist also recommends flu vaccinations. Of course, parents should communicate any health concerns or issues their children have with school nurses.

Other ways of preparing for optimal mental and emotional health may include getting youngsters back in touch with school friends after a summer apart. Lestz suggested arranging a few playdates. And to avoid anxiety, make sure all summer assignments are completed, if possible, with time to spare. “If your child’s nervous, understand their feelings and have open communication with them,” Lestz added.

Easy Street

by

When my colleague, Grace Bennett, the Publisher and Editor-in-Chief of this magazine, mentioned that this issue’s theme is “Happy Days and Back to School”, I let out a groan. I’m sorry but “back to school” and “happy” don’t really go together like peanut butter and jelly, at least in my house. You see this past summer was the most relaxing one I’ve had in a good decade.

With my older two in sleepaway camp and my youngest in full day at her summer camp, I was living on “easy street” as I like to say. Less laundry, dishwashing, chauffeuring and cooking left me with a whole lot of time for summer fun. I made it a point to do something for myself everyday that made me happy – whether meeting a friend for lunch, catching an indie film at Jacob Burns or running with my dog. And I did just that. I felt fulfilled.

Turns out that I wasn’t the only one that had a fulfilling summer. Read through these pages to see a whole slew of Chappaqua residents doing exciting things this summer that are not only fulfilling but also altruistic. Our cover story celebrates a 50-year program, the Chappaqua Summer Scholarship Program, where teens from underperforming high schools in the Bronx are invited to live with local host families in July as they participate in an academic enrichment program. The teens and the host families had a blast. Greeley grad James Rosenberg took a cross-country bike trip to raise money for the women of Kore, Ethiopia and local couple The Roses travelled to McAllen, Texas to help migrant families.

If you are looking for fulfilling opportunities in town this fall, be sure to mark your calendar for Community Day on September 15. There are many non-profits here that are in need of volunteers. Community Day is a great way to get introduced to all of them.

As much as I’ve enjoyed my summer, it is not all doom and gloom when fall arrives. I’m happy to have my whole family back and I’m excited (and sad!) for my youngest to start kindergarten and my oldest to start middle school. I’m not quite sure how that happened so fast but maybe it’s because time flies when you are having fun. Here’s to a fun and fulfilling fall for all!

Enjoy,

Remembering ‘Back to School’ Days

by

EDITOR PHOTO BY Sally Foster; HAIR & MAKEUP, Aura Salon and Style Bar, Chappaqua

Six years ago this month we moved to Chappaqua from the city two days before school started. We had wanted to move in the summertime but the house closing and Hurricane Irene had other plans for us. I was nervous that my city born and bred son would have trouble acclimating to a new school and an actual house as opposed to an 800 square foot apartment but those fears quickly dissipated once we started school.We were welcome with open arms at my kid’s nursery school. So many parents had made the same journey just like us – from city parents to country transplants.

Yes my parents still consider this lovely part of Northern Westchester “upstate N.Y.”  After all, I do have deer roaming my backyard. What drew us to our community was the excellent school system. This is one of the many reasons why I am so delighted to helm this “back to school” issue as the new editor of both Inside Chappaqua and Inside Armonk. There are so many great things happening in our schools and the wider community that I want to highlight.

First up, I had the pleasure of interviewing and writing the cover story on The Comedy Kids for Inside Chappaqua. These two Roaring Brook Elementary School students had an idea to raise money for pediatric brain cancer that germinated during rainy day recess. It all started with a simple idea that grew from a grassroots joke booth at the Chappaqua Farmers Market to a charity that has gained national attention.

Our cover story for Inside Armonk is also “back to school” themed and features the Byram Hills Preschool Association which plays a critical role in making sure Armonk’s preschoolers are ready to enter elementary school and helps parents and caregivers make connections in the community.

With the back to school season in full swing, there’s never been a better time to visit downtown Chappaqua on October 14th for the Chappaqua Children’s Book Festival, an annual event that now draws more than 90 children’s authors and illustrators and thousands of attendees to the town. Be sure to read the profiles of three Chappaqua-based authors Matthew & Mara Van Fleet and Barbara Dee who will be meeting eager readers and signing books at the festival. Even if you don’t have children that are school age anymore, the Festival is a lot of fun and a book is a gift that you can open again and again. Plus what’s better than an autographed book for a beloved grandchild?

If you are hoping to savor the beautiful autumn weather, North Castle is chock full of events this fall such as the Armonk Outdoor Art Show, Jamie’s 5K Run and the Cider and Donut Festival. There’s something for everyone right at your doorsteps or in a neighboring town.

Finally if your kids need a break from hitting the books or you are too tired from figuring out after-school schedules, check out Jordan Stutts story on the best local biking trails and get a sneak peek of fall’s foliage. Yet another reason to love living in Northern Westchester.

Best,

Stacey
Editor, Inside Press

Savor Each Page

by

Photo by Andrew Bordeaux

Summer and the living is preparing residents and visitors alike for different fall downtown events and fundraisers both as official ‘media sponsor’ and/or as a community-friendly ‘hyperlocal’ and merchant supported/reader coveted pub. We’re ‘all over the net’ too at theinsidepress.com and largely on Facebook. Keeps us on our toes, especially while also gathering so many additional, equally compelling profiles around our back to school theme. Grateful to Stacey Pfeffer, our new editor for both editions for writing and producing several stories in both editions (all while getting her feet wet in her new role! Bravo!)  There are so many fundraisers we are promoting both in story and/or in a sponsor spot, so be sure to savor each page and ‘Save the Date’ for whatever strikes your fancy or piques your interest.
Readers, please feel free to let us know when you visit or call a sponsor or attend an event because of ‘what you saw’ in our pages. And sponsors, likewise, please do let us know about a happy customer or two, and we’ll happily publish your experience some time, and voila, more press for you. Drop a note at my new email: grace@insidepress.com. In the meantime, summer’s fading fast. Get outdoors (if you enjoy cycling, maybe first check out our Biking story?), and enjoy! I plan to.