VOLUME 2 NO. 4 OCTOBER 2019
Can it help you
and new varieties
Do You Have Term Life IDnsouYroaunHcaev…e T?e?r?m Life Insuranc
By Andrew J. Cavaliere, CLTC
you have term life insurance? I gDauboeoysuotsutthhheaevfumetuoterreremoimflifypeooiunrrstafuanrmatniqlcyuete?ospItirgoounveidissesrtfehoaerlltmyheothmreeiifnmyepoxoutrtaarnet question is really th
no longer alive? H
one. That is, do you care enough acbhoauset tthheeirfudtrueraemosf, ytoouarttefanmd itlhyetocopllreogveidoef tfhoerirthcehmoicief , to get married or start a
you are no longer alive? How difﬁcublitllswailnl dit dbeebfto?r yMoousrt cfohlkilsdrweannttoacbheattseer tlihfeeifrodr rtheeaimr ksid, s and they do not want
sto attend the college of their choiced,idto. get married or start a business if you leave them
nothing but bills and debt? Most afosOilnktushsurewroyafanfdincciedte.apolfbafenerntstinengrelwfioferciflnioedrnivttsihdeauiarclskoimadnpsdreabhnuedsnitsnhieveseysFdoRowEnnEeortfsin.waEannvcetiarly ryeevaierwit. This inclu
their children to have to struggle astounds m
kmarried with small children try to explain why they do not own any life insurance
know that term life insurance rates are lower than any other time in history.
Our ofﬁce offers new clients a comcporenhdeuncsteivdebFyRLEIMERﬁAn,a4n0c%ialorfeavlileUw..ST. hhiosuisnechluodldess htaaxve no life insurance,
Do You Have Term Life Insurance…???Epvlaenrnyinyega, rreittiaresmtoeunntdpslamnenitnogs&eeinjsuuMhsertoaahsnrtodciwneosfpmutlrhaaaennnnctyweinpoagemgofeoopnsrltetsinpwadonhpivdouidlbaaurrroaevkleesmrrsasainorurndnisedbdeourfwssttihiantenhesdsesswmpohraoywldlpnueecortssp:.le
do not want to buy p
Whole Life and Unive
bcaDhibollaosysuaoet nutthdhheeadivfreuebdtutrt?eerearmmMofsoli,fsyetotoiufnoraslktfutasermanwndilacyntewAchhtt?hoeachaivcelpcIdeboonrgroelurenlvwtedetnioegdseirenetslrkilgiyotfffnhoeeftteortoofihwotnmheeraseoitxrtuhmrrhpecearehlaitaciifrmoniteiynkecpcnoierdoweumt,sr.th2t1aaoayl0rninefgt1etdheq6nitteuonhsmeysetlsouyaudtnirrdoodraginoyeenftATnhodrichnocsreweaeootoarnolstreionrveerswaaswdedpxlttpal?ateeuyntrnrocbosctttaihedHftattainehshuecorytebecdewnpttuilerhsewilsbfdxoircneiaiiytnishwofgrfeeoiiediLlnecsn,dauIsmrosernyMeluf.ttodoinhftruRwriTabamyertihAnoounlelfeaucya,.hixattem4talpineeb.sv0eiyarle,Teymn%vdhosfetwooioitlvsiohritfyleheslefyio.estnoruriamnuouSetlscgitlrsomuangUcpcrroliaeheaefe.trSihnplceieadnice.ninsraeowhegoh.ltpnluhohiybslgeeeTuuttdhotyhotshciiraesesynrth.punyorrooobltdudianusofgcfwot rcndaWnthheeoqhlueigahlLlyeiferpproorretemTceit
did. benefit is triple tax-free to your beneficiaries regardless. The death benefit
kdnoowthethnaet xtterbmesltifethinnsguaranndceburaytetesrmarelifelowinesrurthaanncea.nTyhoisthperrodtimucetsyicnmanhpiasetthqoyruyac. allyrdAp.crcooterdcitnygoutor faamreilcyeinntc2a0s1e6osf taundyuntimely
cdoenadthucfoterdabsypLeIcMiﬁRcAp, e4r0i%odoof fatllimUe.S. . households
nMost insurance agents and brokers understand why
hpaevoeplenodolifneoitnwsuaTnrhatentoccehb,auryt bpeelromwansehnotwlsifea isnasumrpalnecoef. juYsotuhmowayinheaxvpeensive 20 Year Guaranteed Ter
heard of the two most popular versions of these products: Whole LifeThaensdeUrantievesrasassl uLmifee. theTMheALaEnsiwnseur riesdqiusitiesssuimedplPe.referred, Non-Smoking by an A
TAhwesoerdprtooduthcetswariesem, oyroeuerxfpaemnislyivew.illSnooift pceaorpelewchaentnhoetrayfofourdotwhenhWighoerleprLeimfeiuomr sTeorfmcaLsihfevainluseurliafencinesuifraynocue,dtihee.nTdhoe death
tbheenneeﬁxtt ibsetsrtipthleintgaxa-nfdrebeuytoteyromulrifbeeinnseuﬁrcainacreie. sTrheigsaprrdoldeuscst.caTnheeqdueaalltyhApGbroeEtneectﬁytoisuDrpEfaaAymTaiHlbylBeinEdcNuaEeseFtoIoTfaacnciudnMetiOnmtNeoTlyrHdilLlenYaetPhsRsEMIUM
froergaarsdpleecsisfic. Ipfeinridodivoidf utiamlse.are named, rctehagereadrwdehlaeetshthse.brHeynaoevuﬁintogwwpnilel WbrsyhoponaleaslslLyifpedr3eoo5lbrivaTetereremdreLmgiafae$rnd1iny,l0es0dsu0ser,a.a0n0Tthc0he.e0c0ilfacyiamosuhs death beneﬁt will be
Aavwaoilradbtleo itmhemweidseia, tyeolyurtofaymoiluyrwfailml niolyt diniem. yTh2e6 d$ye4ea8at.rh0c3areer, I
bmeunsetfitinifsortmriplme ytarxe-afrdeeerstothyaotutrhebreeneisficaiahriuegseredgifaferdrelenscse. beTthweeedenadthelib4ve0enreinfigt ais cphae$y1ca,k0b0lfe0o,r0d0au0em.00tiollioanccdidoellnatrsoranil$dln7ed5se.s0li3vering a
rseygmarpdaletshsy. caIfrdin.dividuals are named, the death benefit will bypass probate regardless. The cash death benefit will be
available immediately to your family regardless. Having personally delive4re5d many de$a1th,00c0la,0im00s.0in0 my 26 year ca$re1e0r6, .I73
must inform my readers that there is a huge difference between delivering50a check for$1a,0m00il,li0o0n0.d0o0llars and delive$ri1n6g5a.05
sTyhmepcahthayrtcbaredl.ow shows a sample of just how inexpensive 20 Year Guaranteed Term Life rates are currently.
The chart below shows a sample of just how inexpensive 20 Year Guarante5e5d Term Life$r1a,t0e0s0,a0r0e0c.0u0rrently. $268.73
These rates assume the MALE insured is issued These rates assume the FEMALE insured is issued
EThPerseeferrarteeds,aNsosunm-SemthoekiMngALbEy ainnsuAreradteisdisosrubeedtPterrefcearreride,r:Non-SmokTinhgPersbeeyferaarnrteAdsr,aNstesodunm-oSrembtehotekteiFnr EgcaMbryrAieLarEn: Ainsrautreedd iosrisbseutteedr Pcarerfreierre: d, Non-Smoking by a
AGE DEATH BENEFIT MONTHLY PREMIUM AGE DEATH BENEFIT MONTHLY PREMIUM
35 $1,000,000.00 $48.03 35 $1,000,000.00 $38.32 x
40 $1,000,000.00 $75.03 40 $1,000,000.00 $54.17 p
45 $1,000,000.00 $106.73 45 $1,000,000.00 $81.78
50 $1,000,000.00 $165.05 50 $1,000,000.00 $127.95 e
55 $1,000,000.00 $268.73 55 $1,000,000.00 $192.38
These rates assume the FEMALE insured is issued Preferred, Non-SmDookiynogubhyaavneAarnaotend-woor rbkeinttgerscpaoruriseer:and a mortgage? Do you want to guarantee
Do you have a non-working spouse and a mortgage? Do you wloanngtertoargouuanrda?nteDeo yyoourhcahvieldlraerngegaomtooucnotslleogfedeifbytoour bauresiness loans that you
rno AloGnEger aroDuEndA?THDBoEyNoEuFIhTave laMrgOeNaTmHLoYunPtRsEoMf IdUeMbt or businyeosusdlooannost ctohmateyhooumdeofrnoomt wwoarnkt ttoombourrrodwe?n yDoouryfoaumwilaynt to be able to buy yo
with3i5f you do n$o1t,0c0o0m,0e00h.0o0me from work$t3o8m.3o2rrow? Do you wparnetmtoatubreelaybsloe ytooubcuaynyporoutrebctuysoinuer sfasmpialyr’stnienrteoreusttsif?heThoerse are just a few ques
prema$tu1r,0e0ly0,0s0o0.y0o0u can protect $y5o4u.r17family’s interests?FoTr hmesoerearinefojurmstaatiofenwaqbouuetstLioifnes Iwnseuarasnkcoeupr lseearsieoucsall Andrew J. Cavalier
877-676-9900. Andrew is certified in Long-Term Care (CLTC) from the Corporati
45 $1,000,000.00 Andrew is a member in good standing of the Million Dollar Round Table (MDR
For m5o0re information$a1b,o0u0t0L,i0fe00In.s0u0rance please call A$n1d2re7w.9J5. Cavaliere, CLTC at 914-682-2190 or toll free 877-676-9900. Andrew is certiﬁed in Long-Term
Cpraerme i(e5Cr5LATsCs)ofcroiamtiotnheo$Cf1ﬁo,nr0pa0no0cra,i0ati0lop0nr.o0fof0ersLsoionnga-TlsernmatiCoanraellyC$.e1Ar9ntidﬁ2cr.ea3wt8io’sno, fIﬁncce. s Andrew is a member in good standing of the Million Dollar Round Table (MDRT), the
are located at 50 Main Street, Suite 1000, White Plains, NY 10606 and at 263 Tresser
Blvd, 9th Floor, Stamford, CT 06901.
Do you have a non-working spouse and a mortgage? Do you want to guarantee your children go to college if you are no
l1oLnIgMeRrAaisroauwnodrl?dwiDdeoreysoeuarchha,vleearlnairnggeanadmdoevuenlotspmoefndt eorbgtanoirzabtiuosniannedstshelotraunstsedthsaoturycoeuofdinodunsotrtywknaonwtletodgbeufordr eovnery8o5u0rﬁfnaamnciilayl sweirtvhiceifs ﬁrms.
you do not come home from work tomorrow? Do you want to be able to buy your business partner out if he or she dies Advertisement
prematurely so you can protect your family’s interests? These are just a few questions we ask our serious clients.
For more information about Life Insurance please call Andrew J. Cavaliere, CLTC at 914-682-2190 or toll free
877-676-9900. Andrew is certified in Long-Term Care (CLTC) from the Corporation for Long-Term Care Certification, Inc.
OCTOBER 2019 WESTCHESTER WELLNESS – PAGE 3
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PAGE 4 – WESTCHESTER WELLNESS OCTOBER 2019
Table of Contents 6 FROM CHRONIC ILLNESS
7 NEIGHBORS HELPING NEIGHBORS
7 14-15 8 TIPS ON MAKING YOUR CHILD
18 FINANCIALLY LITERATE
9 GET MOVING AGAIN WITH CBD
ON THE COVER 10 KEEP YOUR CHOLESTEROL
IN CHECK WITH AYURVEDA
Runners in the Church Tavern Challenge in South Salem. 12 THE FOUNDATION FOR
PHOTO BY TABITHA PEARSON MARSHALL A SECURE FINANCIAL FUTURE
13 PREVENT ANKLE SPRAINS
14 THE ULTIMATE GUIDE TO
APPLE PICKING SEASON
16 IMPORTANT COMMANDS
EVERY DOG SHOULD KNOW
18 ADVICE FOR A SMOOTH
TRANSITION INTO FALL
20 LIFE LESSONS FROM MY DAD
21 LET IT FLOW
22 WHEN THE GUSTS OF LIFE
24 GRANDPARENTS AND
25 WESTCHESTER COUNTY RACES
October, for me, is about setting into place the healthy habits that will carry me through winter. ere’s a Rumi
quote that I often nd myself repeating as I sink into a routine: “Burdens are the foundation of ease.” Summer
is exible, it’s late nights and lazy mornings. But as the season turns and daylight is at a premium, I know I need
a strict schedule for me to be at my best. No. 1 on that list is hitting the gym. With the lack of sunshine and warm air, spending
an hour a day sweating does much more for my soul than my body. Listen, I’m not one of those people that loves to work out, but
I am one of those people that knows I’m a miserable person without it. With that in mind, we dedicated this issue to movement,
whatever it is that makes you feel good. Whether that’s Orange eory, swimming laps or dancing around your house, make a
Jodicommitment to stick to it now so it’s non-negotiable, then get out of your own way and watch the magic happen. Be well.
We love to hear your feedback! To share your thoughts or sign up for an online subscription of Westchester Wellness, email [email protected]
halstonmedia.com. Follow us on Facebook at facebook.com/HalstonWestchesterWellness.
OCTOBER 2019 WESTCHESTER WELLNESS – PAGE 5
Westchester Wellness Contributors The Staff
ANTHONY J. ENEA EDITORIAL TEAM
Anthony J. Enea, Esq. is a member of the rm of Enea, Scanlan & Sirignano, LLP JODI WEINBERGER
of White Plains. His o ce is centrally located in White Plains and he has a home
o ce in Somers. EDITOR-IN-CHIEF
Understanding the link between healthy environments and healthy people, Karen’s ADVERTISING TEAM
personal mission to help people become healthier in their environments led to her BRUCE HELLER
co-founding Bright Formulations, a company that o ers the Bright Energy brand of
organically grown, full spectrum hemp extract products. ASSOCIATE PUBLISHER
DEBORAH HARDY [email protected]
Dr. Deborah Hardy is an educational consultant focused on assisting students to
achieve their post-secondary journey. LISA KAIN
SOMESH N. KAUSHIK [email protected]
Dr. Somesh N. Kaushik, ND, BAMS, MPH, MPA, E-RYT500 is the owner and PAUL FORHAN
chief medical practitioner of Dr. Kaushik’s Ayurvedic and Naturopathic Clinic in 914-202-2392
Cross River. [email protected]
JASON KLATSKY 845-621-4049
Jason Klatsky is the publisher of e Pet Gazette magazine, website and social [email protected]
media. Visit www.thepetgazette.com. JENNIFER CONNELLY
ADAM MCCAULEY [email protected]
Adam and his wife Lauri have owned Go No Sen Karate in Peekskill for the past 25
years. Check them out at kidslovekarate.com PRODUCTION TEAM
TABITHA PEARSON MARSHALL
Caryn McCurry, CLC, ACC, has been helping people move through change since PRODUCTION MANAGER
2004. Reach her at [email protected] or 917-885-9607. DESIGNER/PHOTOGRAPHER
Jaime Roche, MSW, RYT is a 200 hr OM Yoga and Yin Yoga certi ed teacher. CHRISTINA ROSE
She is a seasoned practitioner who enjoys helping her clients develop a practice that ASSISTANT PRODUCTION MANAGER
supports their physical, mental and emotional needs.
LINDA SAMUELS [email protected]
Linda Samuels, CPO-CD® is a compassionate, enthusiastic professional organizer
and coach, founder of Oh, So Organized!, author of e Other Side of Organized, EXECUTIVE TEAM
and blogger on organizing and life balance who facilitates change in others’ lives. BRETT FREEMAN/PUBLISHER
Kerry Wong is an ambassador for the Arthritis Foundation. 914-924-9122
Shari Zimmerman is an Allstate agent based in Mahopac. Reach her at 845-621-2557. PUBLISHED MONTHLY BY
HALSTON MEDIA, LLC
334 ROUTE 202, UNIT C1S
SOMERS, NY 10589
©2019 HALSTON MEDIA, LLC
Westchester Wellness is not responsible for and does not endorse any advertisers, products or resources referenced in advertisements appearing in this publication.
Halston Media shall not be liable to any party as a result of any information, services or resources made available through this publication. The views of the advertisers and contributors are not necessarily those of the publisher’s.
Opinions and information presented in all articles reﬂect the experiences, expertise and/or views of those writing. Consult your own doctor for diagnosis and/or treatment.
PAGE 6 – WESTCHESTER WELLNESS OCTOBER 2019
From Chronic Illness
to Action ArthritisFoundation
Ambassador shares her
story to raise awareness
BY KERRY WONG
In her early 30s, Kerry Wong developed a
number of symptoms that did not seem to
have an explanation: all-over body pain,
weakness, headaches, dizziness, and fatigue.
On the outside, she looked healthy, so doc-
tors did not take her concerns seriously.They
suggested it was in her head—that she was
“just depressed.” However, Kerry knew that
what she was experiencing was real.
She later developed severe joint swelling and
rashes, but doctors still could not figure out what
was wrong. They knew it was “some kind of arthri-
tis,” but were not sure of the specific diagnosis. They
suggested she suffered from psoriatic arthritis, rheumatoid
arthritis or systemic lupus erythematosus, and spent years treating her for each with
steroids, biologic injections and infusions. Kerry suffered the side effects of these medica-
tions, but did not get the relief they promised.
After years of being dismissed followed by years of misdiagnoses and failed treatments,
Kerry was eventually diagnosed with fibromyalgia, an often misunderstood condition charac-
terized by widespread musculoskeletal pain and fatigue, and sarcoidosis, a rare inflammatory
disease characterized by the formation of granulomas—tiny clumps of inflammatory cells—
in one or more organs of the body. In addition to arthritis in most of her joints, the sarcoidosis
also affects Kerry’s lungs, skin, and nerves and causes systemic symptoms including fevers,
chills and more.There is currently no cure for fibromyalgia or sarcoidosis.
As these conditions affected her ability to live and work as she always had, Kerry Kerry Wong
sought out new ways to make a difference—for herself and for others like her. She shares
her experience through her personal blog Float Like a Buttahfly and has been published by a number of online magazines
and nonprofit organizations dedicated to chronic illnesses. Kerry hopes to show others with similar experiences that
they are not alone and that even through the most challenging times, there is always hope.
Kerry became involved with the Arthritis Foundation in 2013 and has sought out every opportunity to
advocate and raise awareness about these conditions. She is now a Platinum Ambassador, a member
of the 2020 Advocacy Taskforce, and the co-chair of the New York State Advocacy Committee. She
has traveled to Washington, D.C., Albany and local offices in the New York City area to meet
with federal, state and local representatives to further awareness and access to care.
She also brings her team of “Buttahflies” to volunteer and participate in the Walk
to Cure Arthritis-NYC and the Jingle Bell Run-Westchester every year. She has
also become an ambassador with Foundation for Sarcoidosis Research and has
traveled the country to educate others about this rare disease. Kerry started the
first Sarcoidosis Awareness Event and the first Sarcoidosis Support Group in
Westchester County in 2018.
Kerry moved to Mamaroneck from Queens in 2010. She has been hap-
pily married for nearly 20 years and is always grateful for her husband’s
unconditional love and support. They love to travel and have learned
to modify their trips for accessibility (Kerry uses a cane most
times and a mobility scooter for longer distances). Though
the fibromyalgia and sarcoidosis have forced her to al-
ter her lifestyle greatly, Kerry’s positive spirit ensures
that she is still living her best life.
OCTOBER 2019 WESTCHESTER WELLNESS – PAGE 7
BY SARAH GAYDEN
PHOTO COURTESY OF THE COMMUNITY CENTER OF NORTHERN WESTCHESTER
Driving through the village of Katonah, it the biggest fundraiser of the year. is year’s for community members in need. Northern
would be easy to miss the grey building event will take place October 4 at St. Mat- Westchester Hospital also contributes 60
on Bedford Road that looks like a modest thew’s Church in Bedford. Proceeds from the ready to eat meals each week.
residential home. Just inside the green front event fund the various programs and resources Murray hopes to continue to expand the
door, though, is a bustling hive of activity, the Center provides, from food and clothing community partners it works with to help re-
sta ed by generous volunteers helping to feed, to classes and counseling, educational schol- duce hunger in Northern Westchester while
clothe, support and counsel neighbors in need arships, health screenings, wellness programs, also reducing food waste.
from all over Northern Westchester. nutrition workshops and more. “We’re working very hard to increase food
e Community Center of Northern e Center’s food pantry distributes nearly recovery,” Murray said, which involves receiv-
Westchester was founded 27 years ago and 400,000 pounds of food each year but makes ing end-of-day products from grocery stores,
serves approximately 2,000 families each year. a special e ort to stock up on extra items restaurants and small businesses, food that
While the Center is busy throughout the year, around the anksgiving and Christmas holi- would otherwise be thrown out. e practice
fall is a critical season as numerous initiatives days so that neighbors in need can still prepare keeps food out of land ll and puts it to use to
take place to not only stabilize families but a special meal at home with their loved ones. feed the hungry.
also ensure that they can enjoy the holiday “In the long run, the goal of a food pantry E orts such as this are another way that
season with their loved ones. is that no one would need a food pantry,” said volunteers can get involved with the Center.
“A lot of families will call us right before Murray. “It’s a business that would like to go e program requires help from individuals
anksgiving asking how they can volunteer out of business.” available to drive to the participating busi-
on anksgiving Day,” said Clare Murray, Unfortunately, the reality for many is that nesses to pick up the donated food and deliver
executive director of the Community Center. the food pantry is a necessary support in hard it to the pantry.
“We are actually closed on anksgiving Day; times. Murray says nancial insecurity—such Murray said all forms of donated food are
however, there are so many di erent ways for as unemployment or insu cient wages—is encouraged.
individuals who want to help to get involved what drives people to rst walk through the “Whether its grocery stores, small local
with the Center.” doors of the Community Center. e pantry businesses, farm CSAs and even home gar-
Beginning October 1, the Center will be- meets the immediate needs of those individu- dens, we would be very grateful to receive it,”
gin collecting new pajamas for children ages als, providing emergency food assistance so she said.
0-18 for a holiday pajama drive. Last year, over that they don’t have to make hard decisions Annually, a small army of about 500 volun-
1,050 children received new sleepwear for the between paying bills or buying food to sustain teers keeps the Community Center running.
holidays. While volunteers at the Center must their families. Roughly half are students, who often begin
be age 13 or over, organizing a pajama drive Donations from individuals and local busi- volunteering as part of a community service re-
or other drive for needed clothing (boots; nesses and farms are essential to keeping the quirement but go on to continue serving at the
coats; mittens) is something that Murray says Center’s pantry su ciently stocked. Last year, Center long after their requirements are met.
is something even younger children can par- there were over 8,000 visits to the pantry and “ e idea that what started as a require-
ticipate in. 37 percent of those who received food were ment leads to a long-term philanthropic habit
With colder seasons on the way, the Center children. Residents can shop the pantry as is another bene t of having a community cen-
also looks for donations that will help give neigh- they would a grocery store. About 30 families ter where people can nd a place to do service
bors the basics they need to stay warm through visit the pantry each day, a number that in- and give of their time and their talents and
the winter months. Last year, over 1,600 coats creases in the winter months. feel the impact,” said Murray.
were distributed to Westchester residents who rough a recently established partner- If you would like to volunteer with the
visited the Center’s clothing boutique. ship with the Westchester Land Trust and Community Center of Northern Westches-
While generous donations are accepted at D.I.G. Farm, the Center is now using Sugar ter, please contact Susan Bretti, [email protected]
the Center year-round, the annual bene t is Hill Farm in Bedford Hills to grow vegetables communitycenternw.org.
PAGE 8 – WESTCHESTER WELLNESS OCTOBER 2019
3 Tips On Making Your Child
BY ADAM MCCAULEY
Money can’t you buy happiness. It cannot buy you love or expe- 3. Probably the best way to teach your children about the concept of doing good work
rience, but it sure can give you a home of your own, a proper is by giving them an unpredictable allowance system.
education and can lead to financial success in adulthood.
Managing finances and handling money well are some of the many Give them allowance that depends on their work. Did they do a
things schools forget to teach young students today, and a lot of gradu- lot of chores? Get good grades? This way of giving their allowance
ating teenagers still don’t possess a complex understanding of finance can also be an alternative to the first tip, as both provide the same
or how money should be handled. A lot of these students will soon benefits—the only difference is that you base their allowance on their
grow into adulthood and the fact that the next generation of respon- overall performance in one month.
sible adults might not be financially responsible at all is terrifying.
If they didn’t get good grades in some subjects, they can compen-
As parents, it is important to make sure your children are finan- sate by studying more or doing a lot of chores.
cially knowledgeable, as this can mean the difference between a sta-
ble adult life or being stressed by financial issues. There may be some things about finance that your children still
can’t grasp, but teaching them about these concepts regularly and
Generally disciplining your children itself requires time and pa- with patience will build some decision-making and money-spending
tience, but disciplining your children with regard to basic financial foundations to prepare them for their adulthood.
decisions is even more demanding. You need them to understand
and learn about finances, while not restricting them so much that The most important thing about teaching money lessons to your
they feel trapped. children is by giving them financial freedom. Their decisions might
not always be the best, but they will understand and learn from their
Here are three ways you can teach your child to be responsible mistakes.
Adam and his wife Lauri have owned Go No Sen
1. Organize rewards for chores well-done. Karate in Peekskill for the past 25 years.Together
The rewards can be candies and toys, but it better to give they have built an award-winning, successful
martial arts school in Westchester County. Check
them actual money for their work. Giving them toy trucks them out at kidslovekarate.com.
and lollipops will teach your kids the concept of hard work
and earning, but giving them spendable cash will make
them more aware of what to spend it on. They’ll be faced
with choices on whether they should spend their hard-
earned allowance on temporary pleasures such as chocolate
bars or more useful items such as new batteries for their toy
car. By doing this, they’ll get used to making more careful and
well-thought-out financial decisions that would shape the way
they spend in the future.
You can also divide the chores into behavioral chores and work-
for-pay chores, wherein you can reward your children with interac-
tive experiences such as going to an amusement park for behav-
ioral chores, and pay your children for work-for-pay chores.
2. Make your children financially literate by explaining to them the reasons
behind your financial spending.
Tell them about what kind of bills you pay and where your
money comes from. Tell them how your money is limited, but
don’t rant and whine. Explain calmly why you cannot afford to
buy them a new pair of shoes, either due to the price of petrol
rising or the electricity bill just being far too high.
When the are old enough, about 15 to 16 years old, teach them
the basics of credit card debts, student loans and taxes. This stage is
very important, as few schools actually include finance education
in their curriculum.
OCTOBER 2019 WESTCHESTER WELLNESS – PAGE 9
Get Moving Again with CBD
BY KAREN HAAS
Bumps and bruises, aches and pains. ful, e ective and quick-acting, as it doesn’t diagnosed with arthritis or some other type
None of us is immune. Tried a new need to go through the digestive system and of rheumatic disease causing joint pain. e
yoga pose? Trainer work you harder through multiple stages of absorption to be most debilitating symptoms su ered by ar-
than normal? Twist an ankle playing soc- metabolized. Applied directly onto the area thritis patients include sti ness, pain and
cer? Maybe you’re spending too much time giving you discomfort, CBD actually acts decreased movement within the joints.
hunched over the computer, resulting in a to ght in ammation at the source. Once While some medications and treatment
sti neck, or just slept funny? Even the most absorbed, CBD binds to receptors in the programs can potentially help ease these
coordinated among us can end up with body delivering various bene ts, thanks to negative e ects, many people are searching
some kind of muscle or joint pain. our endocannabinoid system. for a more natural pain relief option. Use of
Depending on the severity of the injury CBD salves (or any kind of hemp-based a topical CBD product can deliver relief for
or pain, our “go to” is usually an ice pack, CBD product) won’t get you high or even a arthritis pain caused by in ammation.
maybe a pop of a couple of Advil or possibly little bit buzzed. Industrial hemp is a CBD- While thousands of individuals are ben-
something stronger. heavy strain of cannabis that contains prac- e ting from CBD topicals, not everyone
CBD, the non-intoxicating compound in tically zero traces of THC, the psychoactive experiences the same level of e ectiveness.
cannabis, has become widely popular over component of the plant responsible for any It’s important to do your own research and
the last year or so and can provide a natural kind of euphoria or mind-altering high. So perhaps explore di erent products in order
alternative to traditional medicines. While if you’ve been avoiding using hemp or other to nd what works for you. If you do decide
tinctures, capsules, vapes and other meth- CBD products because you don’t want to to give CBD a try, buyer beware! ere are
ods of ingesting CBD (or cannabidiol) are get stoned, there’s nothing to worry about. plenty of excellent products out there, but
certainly e ective in treating a long list of It’s also important to note that hemp-based there are also plenty of fakes, as well. CBD
conditions, it’s not necessary to ingest CBD products with CBD are legal as long as they salves should have a list of ingredients on
to get pain relief. For those looking to ease are grown on a farm in the United States the container. And if it’s not clear where the
a speci c muscle ache or pain as quickly as that is in compliance with the Federal Farm CBD is coming from or how much CBD
possible,a topical product can provide local- Bill, so you needn’t worry about a midnight is in the formulation, contact the manufac-
ized relief and can be a quick and e ective knock on the door from a law enforcement turer and ask them.
solution. professional threatening to con scate your
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PAGE 10 – WESTCHESTER WELLNESS OCTOBER 2019
Keep Your Cholesterol
in Check with Ayurveda
BY DR. SOMESH N. KAUSHIK
Ayurveda and Western medicine agree betes and more. Dietary fat, perhaps, is not as ucts containing fructose should be avoided.
that cholesterol is needed by the body for much of a culprit as fructose in causing plaque Foods to incorporate are astringent and bit-
a variety of processes: building/repair- to form. How can this plaque be prevented so ter foods. Astringent foods include beans, peas,
ing cell membranes, synthesizing hormones, that cholesterol levels flow freely? lentils and cruciferous vegetables such as broc-
manufacturing vitamin D (bone growth/ All the cholesterol that the body needs on a coli, cauliflower and cabbage, and fruits such as
calcium absorption) and producing bile acid daily basis is manufactured in the liver and all apples and pears. Bitter foods include spinach,
(digestion/fat metabolism). Ayurveda also excess (including dietary cholesterol) is elimi- chard, kale and mustard greens. When cooked
maintains that cholesterol is needed for lu- nated through the liver, as well. If the liver is and seasoned with certain spices, these foods
bricating the body’s channels that carry nu- functioning properly, this process is kept in help prevent the buildup of LDL. A choles-
trients to the cells, waste from the cells and balance. If the liver is compromised, this pro- terol-balancing spice mixture might include
blood to and from the heart. It is imperative cess is disrupted and a cascade of events fol- turmeric, cumin, coriander, fennel, fenugreek,
that these channels remain flexible, elastic and lows. For the liver to function well, the entire ginger and black pepper. Garlic will also break
functional. Cholesterol, therefore, is critical to body must be kept in balance. down LDL and free it from arterial walls. In
the entire circulatory system and impacts the Imbalance occurs due to a variety of factors addition, grains such as barley, whole oats, qui-
skeletal and neurological systems, as well. that fall into three categories: 1) the diges- noa and amaranth provide needed fiber and
Cholesterol, being a fatlike substance that tive process; 2) accumulation of toxins; and also enhance fat metabolism. Berries, kale,
cannot dissolve in the blood, utilizes carriers, 3) stress. The digestive process includes inges- spinach, nuts and green tea are some of the
called lipoproteins, for transport to the cells. tion, assimilation and excretion. An imbalance foods that will provide antioxidant power to
Low-density lipoproteins (LDL) deliver cho- in any of these accumulates toxins which, in combat free radical damage.
lesterol to the cells and high-density lipopro- turn, causes inflammation and eventually For better digestion, always cook food and
teins (HDL) carry the excess cholesterol back stress throughout the body. To keep the body eat it warm.Stay away from raw/cold foods.Use
to the liver for elimination. Therefore, both in balance, Ayurveda starts with a proper diet. healthy fats such as cold-pressed olive oil and
LDL and HDL might be considered “good,”as A proper diet, according to Ayurveda, is ghee. Ghee is the most easily digested fat and it
they each perform a critical function. However, predicated on the energy systems—or do- can tolerate being heated to high temperatures.
HDL has been labeled as “good” because it re- shas—in one’s particular body. Ayurveda Ayurvedic herbs and supplements also sup-
duces the excess cholesterol in the blood (even identifies three doshas in each of us which are port the liver, improve fat metabolism and
scavenging and scraping artery walls) and LDL made up of the five universal elements in na- help to flush LDL from the system. Lifestyle
as “bad” as it “sticks” to artery walls. On closer ture: Vata dosha is space and air; Pitta is fire adjustments include avoiding alcohol and
look, however, LDL only becomes danger- and water; Kapha is earth and water. smoking, increasing daily exercise and incor-
ous when it is destabilized due to oxidation by To keep the body in balance, in this case to porating stress reduction with yoga, medi-
free radicals. Further, of the two types of LDL keep the liver functioning properly,Ayurveda has tation and breathing exercises. A qualified
(LDL-A and LDL-B), only LDL-B (small, identified Kapha as the predominant dosha as practitioner will suggest an individual plan,
dense, heavy) becomes oxidized, while LDL-A Kapha is responsible for fat metabolism. Follow- depending on one’s dosha profile, to allow the
does not (light and floats). If there is an excess ing a Kapha pacifying diet is key to keeping cho- body to stay in balance and keep all systems,
of LDL-B in the blood,it could become lodged lesterol levels balanced and free radicals in check. including cholesterol, flowing smoothly.
against artery walls, forming plaque and sub- Foods to avoid are ones that are difficult to
ject to being oxidized by free radicals. Dietary digest: meats,fried foods,hard cheeses (saturat- Dr. Kaushik’s Ayurvedic and Naturopathic
fat raises LDL-A; fructose raises both LDL-B ed fats),vegetable oils (hydrogenated fats–cause Clinic, 792 Route 35, Cross River; 914-875-
and triglycerides. High triglycerides are a red free radicals when heated), and processed and 9088 (M, T, W); [email protected];
flag for arteriosclerosis, heart attack, stroke, dia- packaged foods (trans fats). Sugar and all prod- drkaushik.com.
OCTOBER 2019 WESTCHESTER WELLNESS – PAGE 11
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PAGE 12 – WESTCHESTER WELLNESS OCTOBER 2019
The Foundation for a
Secure Financial Future
BY SHARI ZIMMERMAN
I t’s hard to predict the unexpected in life, such as a heart attack end of your term.
or car accident. Is your family’s nancial future protected if they Before that term ends, you may have the option to convert or
could no longer rely on your income? Help safeguard the life you
want for the people that matter most. renew the policy.
Terms may be a suitable choice for you if you:
Life insurance can be used to help your family in so many ways: • Want the most a ordable, highest level of coverage.
• Provide income to handle everyday expenses • Need coverage for a set amount of time at a guaranteed price.
• Help make sure your family can stay in your home • Want coverage to supplement your group life insurance through
• Cover college expenses or pay o education debts
• Leave a nancial legacy for your heirs, free from federal income tax your employer that can stay with you.
• Cover nal expenses Permanent insurance: It’s like buying.
Permanent insurance is like owning a home, where you can build
How much is enough?
ere is no such thing as “one size ts all” in life insurance. But up equity, or cash value that you can borrow or withdraw.
Permanent life insurance may be right for you if you:
one thing is almost certain: If you have coverage at work, it’s likely • Want lifetime protection.
not enough. And it stops when you leave your job or retire. Your • Want “equity” to build up the policy’s value.
Allstate agent can show you a variety of options to make sure you • Want access to the cash value in the policy for emergencies.
have enough. • Want exibility to make changes in your policy in the future.
In a nutshell, ask yourself these questions: Do you currently have
Choose the protection that’s right for you.
Term insurance: It’s like renting. life insurance? If so, when was the last time you had it reviewed?
Term insurance can be compared to renting a home or leasing a Are you paying too much? Is it enough? Is it provided through
car. You choose the length of time and amount of coverage based your employer, and if you leave or get terminated, can you take it
on your unique needs, and your payments stay the same until the with you?
en call a professional for help with the answers.
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OCTOBER 2019 WESTCHESTER WELLNESS – PAGE 13
3 Ways to Prevent Ankle Sprains and Twists
BY DR. KURT VOELLMICKE
A nkle sprains and twisted ankles are bene cial for improving ankle strength.
among some of the most common Yoga also improves our mindfulness and
bone and joint injuries, according to understanding of how proper joint align-
the National University of Health Sci- ment feels. Overall, yoga will not only
ences. A sprain or a twist is caused when improve ankle strength but overall mind-
the ligaments in the ankle are stretched fulness of the body and its alignment as
beyond their normal range of motion or well as skeletal strength. Balancing on
even torn.Preventing this common injury one leg at a time can improve one’s abil-
is relatively easy and there are numerous ity to protect against spraining an ankle.
exercises and simple lifestyle changes that
can improve your overall ankle strength. Other strength exercises
Sensible shoes ere are other similar exercises such
are the most supportive as toe raises and heel lifts that focus on
improving ankle mobility. Other exercis-
When it comes to footwear, shoes es such as squats and lunges, which focus
that t well and o ering support to your more on other areas of the body, are also
ankles and arches are ideal. High heels are the common culprit for bene cial in increasing ankle strength. If proper form is used, these ex-
ankle sprains in women. Choosing a shoe with arch and ankle support ercises focus on proper joint alignment,core strength as well as balance.
lessens the likelihood for ankle injury to occur. Wider and rmer outer Bone and joint health is often one area of the body that is neglected and
soles are more stable compared to narrower, softer soles. not considered important until later in life. Ensuring that your bones and
joints are strong can prevent common injuries such as twisted ankles and
Yoga and balancing sprains and may even prevent more serious bone and joint injuries later in life.
When it comes to balance, our ankles are essential in helping our Dr. Kurt Voellmicke is director of Foot and Ankle Surgery at Northern
body nd its equilibrium. Standing yoga poses are some of the most Westchester Hospital’s Orthopedic and Spine Institute.
Athletes are happiest on the eld.
We can help keep them there.
We understand that it doesn’t take much to cause a
sprain, injure a joint, pull a tendon, pinch a nerve, or
even break a bone. Our expert care will get you back
into the swing of your daily routine.
Our Orthopedic and Spine Institute is comprised of
board-certi ed orthopedic surgeons and a support
team of multidisciplinary caregivers.
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Find a physician today.
Call (914) 223-8268.
To learn more about our expertise,
PAGE 14 WESTCHESTER WELLN
NESS — OCTOBER 2019 PAGE 15
A utumn in the Northeast means apples and New is a favorite,”said third-generation owner Wayne Outhouse.
York State is one of the top 10 apple-growing “I nd that because they are picked fresh, people are getting
states in the country. According to the U.S. an opportunity that they aren’t getting in the stores—the
Apple Association, there are more than 100 apple avor is di erent when they come and pick.”
varieties grown in the country, with just 15 types He explained that a MacIntosh picked from the tree is on
that account for almost 90 percent of production. the tart and crisp side, but when it is stored unrefrigerated,
Our local favorites? e number one apple produced in the avor will mellow out and maintain a softer esh.
the east is MacIntosh, followed by Golden Delicious, Red Head over to Yorktown for Wilken’s Fruit and Fir Farm
Delicious, Rome, Gala and HoneyCrisp. HoneyCrisp, in (also over 100 years old), where in addition to the widely-
fact, has risen in the rankings and is expected to increase known apple types, there will be limited quantities of less-
signi cantly for the 2019 crop, according to the association. common varieties that are worth a try.
Betsy Stuart, of Stuart’s Fruit Farm in Granite Springs, In October, Crispins (also called Mustu and known for
acknowledged the increasing popularity of the HoneyCrisp great crunch and sweet juice) will be available, along with
apple, which is one of the 35 varieties that are grown on Jonagold (which has a pro le of honey-sweetness, slight
Stuart’s Farm. tartness with yellow esh) will be ripe and at their market
“People love the HoneyCrisp because they are hard and you will nd apples with names like Northern Spy (green,
sweet, a nice-sized apple that doesn’t soften and kids like to ushed with red stripes– rich avor, good for cider and
take them to school in their lunchboxes,” she said. baking),
ough Red Delicious (New York-grown Red Delicious Snow Banana (a large apple with smooth, yellow skin
apples are slightly more tart), Macouns (extra-sweet with that is soft, sweet and aromatic) and Gravenstein (reputed
snow-white esh) and Golden Delicious (honey-sweet) to be the juciest apple and great for applesauce and pies).
are also favorites, Stuart recommended the Winesap apple No matter which delicious apples you choose this
which becomes available in October, “because they are hard season, here are a few fun facts from the New York Apple
and tart and bake beautifully.” Association to ponder as you crunch, chop or bake them at
At Outhouse Orchards, on the locally-grown favorite list home.
is the rmer Rome apple (mildly tart, good for salads), the • e science of apple growing is called pomology.
Baldwin (tart, good for eating or apple pie), the Cortland • Archeologists have found evidence that humans have
(sweet, tart and juicy), the Empire (a cross between Red been enjoying apples since 6500 BC.
Delicious and MacIntosh) and the Fuji (super sweet, juicy • Apples are fat-free, sodium-free and cholesterol-free
and crisp). and a medium-sized one has approximately 80 calories.
Operating for over 100 years, the farm and orchard in • You can signi cantly postpone softening by storing
North Salem also o ers pumpkins, hayrides, peaches, apples in the refrigerator (and not at room temperature).
vegetables and a corn maze. • Twenty- ve percent of an apple’s volume is air: that’s
“We grow a lot of of di erent varieties,though MacIntosh why they oat!
PHOTO: HUDVALLEY PHOTO
PAGE 16 – WESTCHESTER WELLNESS OCTOBER 2019
5 Every Dog
BY JASON KLATSKY
You took one look and it was love at first sight… Dogs are a con- lifestyle. When working on this command, make sure the result of
stant source of companionship and fun, but bringing one into the behavior is more rewarding than anything else in the environ-
your home is a life-long responsibility. If they aren’t trained cor- ment. If you call your dog to you, but then immediately put his
rectly, they can wreak havoc on your life and house. Dogs need to be leash on and leave the park, your dog will quickly realize that come
trained so they know their limits and what is expected of them. is a word to avoid if he wants more play time. To teach this com-
There are a number of dog training ideologies and techniques mand, stand next to your dog, say come and then jog away, encour-
out there. While different methods will prove effective for differ- aging your dog to chase you. When he comes back to you, give him
ent families, below are some DIY training tips that will help your a reward, such as a combination of food and praise.
dog become a good canine citizen and family member. And it just
can’t be said enough, consistency will win the day and the dog’s Sit Down: An important command for dogs that beg for food at the
training is everyones’ reward. Here are some fundamentals to get dinner table, sit down is utilized to send your four-legged friend to a
you started: designated place in the home during meal times, or when company
comes to call, until he is released from that spot. Start out by taking
Sit: This crucial command helps your dog learn impulse control. your dog to the spot you have decided upon, such as his bed, a corner
The simplest way to teach sit is to hold a treat like a magnet to the or crate. Consistently use the same command. When your dog lies
dog’s nose, then guide it up. Typically, in an attempt to continue down, give him positive reinforcements, like a treat and/or praise for
following the treat, the dog will put his rear end on the floor. As the behavior. Then, wait 10-15 seconds and release your dog from
soon as he does, praise him and give him the treat. After a few trials, the spot. Continually repeat this exercise, building up the time your
begin to say sit immediately, before guiding the dog into position. dog remains in the lie down position. Slowly increase the amount of
From there, it is very important to quickly remove the food lure time your dog spends in this position before you reward him, and
from your hand. If you do not, your dog will only sit if you show increase the physical distance between you and your dog when the
him you have a treat for him. This command is key to start teaching lie down command is given. Give repeated positive reinforcements to
your dog to not inappropriately jump up on people he encounters. your dog for obeying. If needed, physically bring your dog back to his
special spot until he understands what you want, and never forget to
Come: Teaching the command come will enable you to keep your praise and reward him for this behavior. Be patient, the goal is suc-
dog safe, particularly if outdoor off-leash time will be part of your cess whether it takes a day, a week, or a month.
OCTOBER 2019 WESTCHESTER WELLNESS – PAGE 17
Don’t Pull: Taking your dog for walks is im- Alpha standing. But it also helps keep your your dog will either be completely down on
the ground or hunched over in a semi-down
portant for both yours and his mental and dog safe from harm.To teach your dog down, position. Slowly pull the much-coveted treat
away from your dog, forcing him to fol-
physical health. But nothing is more uncom- rst command him to sit. With a treat, lower low your ngers and slump further toward
the ground. When your dog is completely
fortable than having your dog yank you o your hand towards the ground slowly. Your in the down position, give the treat to him
your feet and race half-way down the block. dog will follow the treat with his nose until and praise him e usively. Eventu-
ally, the word down, and your hand
It’s important for your canine companion to your hand is at ground level. At this point movement, will be enough of an
remember who is in control, es- incentive for your dog to obey
this command. A gentle, rm
pecially when squirrels or smelly hand will not only keep your
dog happy, but also go a long
garbage beckons. e rst thing to way toward keeping both
him and the people he comes
remember is that dogs often pull into contact with safe. As with
on their leashes because they are every family member, your furry
friend has responsibilities. As
full of excess energy. erefore, your dog’s owner, your job is to
give him the tools he needs to live a
the rst rule is to make sure your Pet Gazette Gift Giving Guide happy, healthy and long life.
dog is getting enough exercise.
When training your dog not to vGpeMysirctvostoitWCaohaihooudnnhnneemefugﬁfeayrbrdDcaceeceGltetielIkrtseswYubaratp.oaeoairaroidYuneirriuysbfn,oeresbitccuctecurhywothhrtrshce,iecsvaaohoewhcartirsnisesmcogonieailhtemlwlaadnomiﬁndsrefcannmeteogsavaonudaoeneatoadaaticradnolunulsiicwsaddnrPrcoaietneoewvuiennmsneiptedtteuiritymGyablaaneyiwozanaslradaqiuisiytznyctenturheeeoyghtryiootstsucttrtaoysyutrokea.aoasfirlpoiyﬁunGnittln.rnhnohrdioinFefecdadwftotgreasthosair.selt.gah-t Jason Klatsky is the publisher of e
pull on his leash, walk at a brisk Pet Gazette magazine, website and
pace. If your dog pulls, imme- social media. e magazine is the only
diately stop walking and give a free take-one publication distributed
tight pull back on the leash (not wherever you take your pet, including
a choke, a tug will do). Call your vet o ces, kennels, groomers, day care
dog back to your side and give facilities, shelters and pet stores.
the sit command. Reward the
sit behavior with a treat and/or
praise and then resume walking.
Repeat as needed.
Down: Mastery of the down
command enables your dog
to show you a high level of re-
spect and embellishes your
PAGE 18 – WESTCHESTER WELLNESS OCTOBER 2019
Advice For a Smooth Transition into Fall
BY JAIME ROCHE
In the fall, we observe nature returning to tumn is grief. And this doesn’t just apply to in nature than fall.Breathing in the fresh,crisp
its roots. The trees and plants begin to shed adults. Children are also affected by seasonal air while leaf peeping will lift just about any-
their leaves and shift their energy inward in changes and many will struggle with a sense of one’s spirits. Plus, no bugs!
preparation for the upcoming colder months. melancholy as they transition from the fun, ac-
And just like nature we too are invited to start tive summer back into the routine school year. 3. Let go of negativity: Many children start off the
slowing down and preparing for winter; the Fear not though,as usualTCM gives us valu- school year with fears and apprehension. What
season of introspection. Autumn is a time to able tools for working through these changes will their teacher be like? Who will be in their
look around us and decide what is most valu- and helping our entire family transition a bit class? What will their homework look like? To
able to us. The slower speed of the season more smoothly into this beautiful time of year. ease anxiety allow your child the opportunity
gives us the opportunity to consider what we Below are some ways we can support our to speak openly about their worries and fears,
truly need and we can do without, physically, little ones during the seasonal transition. I offering them validation and also coping skills
mentally and emotionally. Although spring is hope your family will find them as helpful as to help them let go of worry. Worry Dolls are a
usually considered the “cleaning out”season, it ours does. great tool for doing just this! Ask your child to
is fall that really holds the space for this valu- label each doll with a specific worry and then
able work to take place. It is a time for letting 1. Eat warmer, longer cooked foods: Fall is a time to place the doll under their pillow.Tell them that
go, clearing out and releasing what no longer begin eating warmer, longer cooked foods in the morning the worry should be gone!
serves us in order to make space for what does. like soups, stews and braises. Longer cooking
With all this letting go, autumn can bring times and heartier ingredients are used to sup- 4. Breathe: The lungs are the organ associated
with it feelings of sadness, lethargy and even port and nourish the digestive and immune with the fall season. As we inhale we move
symptoms of low-grade depression. In fact, system throughout the colder months. introspectively and receive energy from the
according to Traditional Chinese Medicine world around us and as we exhale we release
(TCM), the emotion that correlates with au- 2. Go for a hike: There is no better time to be out that which we no longer need.
Consider practicing these simple yoga and breathing exercises with your child to help them receive inspiration and let go of apprehension:
2. Now have your 4. Finally, give your child
child reach their an object with a scent.
hands behind their This might be a flower or
back and interlace their stuffed animal scented
fingers. Tell them to with a calming essential
stretch their knuckles oil like lavender. Have
back behind them. them hold the object near
Have them take three to their nose, close their
five breaths with arms eyes and begin breathing
stretched behind them. in the aroma. Ask them
to focus their attention on
the smell as it moves in
and out of their nostrils.
Have them stay here for
as long as they would like.
1. Have your child sit 3. From here have you child
cross-legged. Instruct them place their hands on their rib
cage, fingertips on the front
to place their right hand
beside them and then ribs, thumbs on the back
inhale as they reach their body. Their pinkies should be
left arm up overhead. Ask
them to lean over to toward sitting right at their lowest
the right, stretching the rib. From here, have them
right rib cage. Have them close their eyes and breath
take three to five deep into their hands, expanding
breaths here, in and out, their ribcage. Have them
through their nose. Repeat inhale for a count of four and
exhale for a count of eight, if
on the left side. they can. Stay here for three
PHOTOS COURTESY OF JAIME ROCHE to five breaths.
OCTOBER 2019 WESTCHESTER WELLNESS – PAGE 19
Sweet Potato Soup
• 2 onions, sliced
• 2 carrots, sliced
• 2 lb. peeled sweet potatoes (about 3)
• 1 tbsp. grated fresh ginger
• 1 tbsp. mild curry powder
• 1/2 cinnamon stick
• salt and pepper to taste
• nonfat Greek yogurt, for serving
1. In a 5- to 6-qt slow cooker, combine the onions,
carrots, potatoes, ginger, curry, cinnamon, salt,
pepper and 6 cups water.
2. Cook, covered, until the vegetables are very
tender, on low for 7 to 8 hours or on high for 4
to 5 hours. Using an immersion blender (or a
standard blender, working in batches), purée the
soup. Top with a dollop with the yogurt, if desired.
Jaime Roche, MSW, RYT is a 200 hr OM Yoga and Yin Yoga certi ed teacher. She is a seasoned practitioner who enjoys helping her clients
develop a practice that supports their physical, mental and emotional needs. Jaime is also a trained psychotherapist and certi ed parent coach
for Tournesol Kids, a non-pro t organization that empowers children, families and communities by teaching holistic healthy child development
strategies. You can nd Jaime’s current yoga class schedule as well the other services she o ers to children, adults, families, schools and communities
on her website: thespecialneedscoach.com. To contact her directly, email [email protected]
I N D E P E N D E N C E | D I G N I T Y | C H O I C E | Since 1998
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My Second Home receives funding from active and continue to lead ful lling lives.
Westchester County Department of Senior Programs & Services Please consider giving the gift of
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contact us at (914) 242-7433.
PAGE 20 – WESTCHESTER WELLNESS OCTOBER 2019
9 Life Lessons
My Dad Taught
Me That Will
Make You More
BY LINDA SAMUELS
Is the desire to be and feel successful in our work, life, and relation- 9 Success Rules
ships a universal pursuit? It is undoubtedly something we often talk
about and strive for.Our personal definition of success varies for each 1. Try something new.
person and situation. During a past conversation with my Mom, she 2. Question the familiar.
reminded me about one of my favorite “success” stories about my Dad. 3. Fear will be there but forge ahead anyway.
Like many others of his generation, my Dad worked for the same 4. Just because you never have, doesn’t mean you can’t.
company for 25 years. He could have been a lifer. Due to several 5. Connect people to each other.
reasons, at age 50, he made a bold move. He gave up the familiar 6. Say, “yes” to opportunities.
along with the security of income and benefits to start his own
7. The glass is half full.
company. With two kids in college and one about to start (me,) he
took a significant financial and personal risk. 8. Humor is a good thing.
The story goes that on his first day of being his own boss, he 9. Enjoy the journey.
went to his newly rented office and worked. Opposite to his usual
work habits, halfway into the workday, he left to see a movie. He’d It’s a new season. It’s a chance to reset your goals, refine what
never done that before. Later that night, when he got home, he told you’re doing, try something new, and pave the way for your suc-
my Mom about his movie adventure. When she asked him why he cess. What does success look and feel like? What are your success
went, he said, “I wanted to see what would happen.” rules?
That singular event, set the stage for the next 25 plus years as he
tested the “let’s see what will happen” theory. He became highly Linda Samuels, CPO-CD®, is a compassionate, enthusiastic profes-
successful in his computer graphics consultancy business as he trav- sional organizer and coach, founder of Oh, So Organized!, author of
eled the world saying, “yes” to opportunities and trying things he’d “The Other Side of Organized”, and blogger on organizing and life
never done before. balance who facilitates change in others’ lives. She is an empty-nester
While the lessons I learned from him are many, here are a few of living with her husband in the Hudson Valley in a small, colorful home
the success rules my Dad modeled for me: with a purple front door.
OCTOBER 2019 WESTCHESTER WELLNESS – PAGE 21
LET IT Water has such a
beautiful ow and
movement. In rivers,
the ocean, rain or waterfalls, the pristine
motion water produces teaches us new ideas.
Movement is important for the well-being of
the system. As we move, our body gets stronger and
FLOW the mind clearer. What does water movement teach us?
I have a creek near me that I often admire. It is lled
with rocks of all sizes and tree trunks that have fallen over
the rocks. When snow falls and the surface layer of the creek
is frozen, I can see through the breaks in the ice that the creek still
continues running underneath the surface. e water in the creek shows
its strength in overcoming obstacles of rock and debris. From this, we can
BY DEBORAH HARDY learn an important lesson. Continue moving forward no matter the obstacle. Every
challenge requires me to nd another way to keep living and achieving my goals.
Water has been a part of my life since I was a child. I was born and raised in Brazil and
lived in Rio de Janeiro. e beach was an essential part of life there. I recall spending hours on the
weekends sitting on the sand and admiring the movement of the waves and the sound of the waves
crashing on the surf on some days and the calmness of the ocean on others. e ocean’s movement taught
me that there will be good days and bad days. How we react to them is the lesson. In a rough sea, I would not
swim as it may be di cult to endure. In a calm one, the ocean invites me to be part of the serene moment.
I remember an old saying that when it rains, the heavens are crying. Shedding tears helps us let go of the past and
what no longer serves us emotionally. e movement of the rain falling gives a sensation of cleansing. It is liberating
and fun! Who does not love to play in the rain? Just let the drops help you forget the past and enjoy the moment!
Next time you see water, take time to re ect on the movement. What does it remind you of? Movement is change
and change brings new opportunities and a new balance in life.
Dr. Deborah Hardy is an educational consultant focused on assisting students to achieve their post-secondary journeys.
Learn more at guidedconsult.com.
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PAGE 22 – WESTCHESTER WELLNESS OCTOBER 2019
When the Gusts of Life Blow Through
Trusting One’s Self and Tapping Courage
BY CARYN MCCURRY
As fall settles in and I reflect on our travels over the past few summers, I’m reminded of the ways in which life continually provides me op-
portunities to celebrate moments, embrace challenges and tap my courage. We are now officially an RVing family and have created some
of the most amazing memories from the comfort of our 390 square foot traveling home. As a family, and individually, we have overcome
obstacles both with planning and flying by the seats of our pants, knowing we all are our own self-rescuing princesses at one time or another.
I recall one moment last summer while we crossed the expansive west where the mountains soar to over 12,000 feet and then for miles and
miles and miles, you could see nothing…and I mean nothing. Everything is on a massive scale and Mother Nature’s grandeur is evident in
everything from the landscape to the sky and, most importantly for this story, the elements…
Journal Entry: August 4, 2018 A million such thoughts ran through my mind in a will tomorrow or maybe the day after. I’m not really sure
Just as this amazing trip has been filled with breath- split second as I feared the unimaginable all while I was but I do know the right time will come and I will get back
driving. I’m not sure I took too many breaths in those in the saddle. Possibly a bit tentatively, I will reach down,
taking views and sites, there have been challenges: Tons of few moments although my heart pounded fiercely. Then grab the courage I need and once again, get on the road
driving that can feel endless, oppressive heat and children I recovered, managing to maintain control and continuing and know that I’ve got me.
that wonder what is so damn interesting about looking at forward.
valley after mountain and mountain after valley. I continue After that day I did get back in the saddle. My com-
to tap into myself, my abilities and trust that I will be just However, I felt so rattled. The rush of potential con- fort for driving the rig didn’t come again until we were east
what I need to be in the very next moment, in the face of an sequences of losing control of the vehicle that carried my of the Rockies where the winds were calmer. I tried to give
ever-changing landscape. heart...my family... the most important people in my world little attention to that nagging voice in my head that said I
was overwhelming. The tears welled behind my eyes. Stay- needed to drive again right away. I knew navigating the
Today that was challenged as we continued west on ing composed, I slowed, safely pulled over and handed the winds and mountains of the west was beyond my comfort
Route 80 through the incredibly windy desert of Nevada. wheel over to Michael. zone and our safety was at the top of the list.
Always wanting to “pull my weight,” I kept pushing
through my turn of driving, relying upon my strong driv- Then I cried...really hard. Maybe I cried from fear I also knew that I’d never reach that level of ease if
ing skills to navigate the crosswinds, in the 75 mile per or maybe from the barrage of all the “what ifs.” I felt the I stopped driving. It would be a process. It would
hour speed zone, driving a 40 ft. rig, hauling a Jeep. I was rush of fear as I thought about how, in just one moment, take patience and most importantly, patience with myself.
ever conscious of the huge vehicle beneath me. things could go so very wrong. When I calmed though, in Although I might not want to drive in those challenging
came relief; the relief that despite the circumstances, I had conditions, I want to be able to if necessary.
Periodically I was blown a bit to the left and a bit to kept us safe. There was no accident. We did not go off the
the right. It was unnerving but I held my own. My road but had, in fact, moved only a bit. Courage is not facing danger without fear, it is facing
husband Michael continued to remind me to go only as danger despite the fear and doing what you must to come
fast as I was comfortable. I could hand the reins over to Now, as I reflect, I’m struck by the import of trusting out the other side. Counting on myself doesn’t come easily.
him at any time. There were no expectations - only what myself: I need to trust in my abilities to do things I’m It takes effort and a specific focus on intent. Although I
felt right for me. Out here I wasn’t enjoying the driving capable of and listening to my gut when I have crossed know it is easier to turn to others for assistance, there is
but felt capable. the line between skill and feeling like I’m going on a wing nothing like knowing I’ve got me.
and a prayer.
Then suddenly a fierce gust of wind slammed into the There are an infinite number of scenarios in which one’s
bus. I felt like I was going to lose my hold and possibly go Today is a good day...a great day actually. That moment courage can show up. Maybe it’s a critical situation like
off the road. It was terrifying. I felt the surge of adrena- could have gone very differently and I’m thankful to be mine or possibly it’s how you handled yourself at a meet-
line, like an electric shock, course through my body. Was here to share my experience and further my connection to ing at work. Or maybe you found your voice at a
I going to be able to stay on the road? How was I going my abilities and boundaries. time when it felt really hard and you
to regain my steady position without quick, jerky movements spoke up, despite
that a vehicle of this size couldn’t handle?! Maybe I’ll drive again today, maybe I won’t. If the your fears.
wind continues as is, I guarantee you not. However, I
Thank you for reading my story. Sharing our experiences can inform others in a way
that is thought provoking and helpful. I’d love to hear about your experience at a time
when you tapped your courage while navigating through the torrents of wind in your
life. I welcome hearing from you and learning about how your courage got you through.
Perhaps your experience can help others through this column.
Caryn McCurry is a certified life coach. Reach her at [email protected] or 917-885-9607.
OCTOBER 2019 WESTCHESTER WELLNESS – PAGE 23
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PAGE 24 – WESTCHESTER WELLNESS OCTOBER 2019
Dear Grandparents: Have You
Considered Paying My College Tuition?
BY ANTHONY J. ENEA
We have all heard and even e impact that debt can have have the means to help with tu- sidered a “quali ed transfer,” it
witnessed children/grand- on the life of a recent college grad- ition payments, many are unaware must be for “tuition.” Room and
children graduating from uate can be signi cantly detrimen- that they can do so without any board, books and fees do not
college with student loans the size tal to their future nancial well- impact on their lifetime estate and qualify for the exclusion.
of a home mortgage. being. While many grandparents gift tax exclusion (for 2019 $11.4
million per person, federally). us, a grandparent can pay for
Do you know what the cost of your the tuition of a grandchild and if
long-term care will be if you are Many grandparents are also un- they wish, still make the $15,000
not eligible for Medicaid? aware that in addition to the $15,000 per person per annual exclusion
per person per calendar annual ex- gift to the same person without
• Asset Protection • Past Chair of Elder Law clusion gift that they can make, that any reduction of their lifetime gift
• Elder Law Section of NYS Bar Association if they make a gift subject to gift tax- and estate tax exemption. It is an
es in excess of $15,000 per person per excellent way of leveraging one’s
• Medicaid Applications • “Super Lawyer” In Elder Law calendar year,they will only be reduc- life time exemption while being
(Nursing Home/Home Care) for 10 consecutive years ing their $11.4 million estate and gift able to directly bene t a loved one.
tax exemption by the amount of the As an added advantage, because
• Guardianships Contact gift in excess of the $15,000 and that the tuition is being paid directly to
(Contested/Non-Contested) a spouse can join in on the gift ($22.8 the educational institution, it also
ANTHONY J. ENEA, ESQ. million exemption for a couple). eliminates potential problems with
• Wills, Trusts & Estates the funding and management of a
Managing Member Additionally, if the payment trust for the education of a loved
Fluent in Italian of tuition is made directly from one as well as the uncertainties of
the grandparents to the educa- outright gifts to the child or to an
WHITE PLAINS • SOMERS • WWW.ESSLAWFIRM.COM tional institution, then under IRS UTMA/UGMA account for a
code, that payment is considered child,who depending on their state
914.948.1500 a “quali ed transfer” and is not of residence at either age 18 or 21
treated as a gift for gift tax purpos- would have full access to the funds.
es. us, it can be in an unlimited
amount as long as it is paid directly With a “quali ed transfer”of the
to the educational institution for tuition expense directly to the edu-
the education or training of their cational institution,there is little or
grandchild. is can make the gift no chance that the money will be
even more appealing, especially for squandered or mismanaged. De -
grandparents with a taxable estate. nitely worth consideration.
ere is no restriction on the Anthony J. Enea, Esq., is a member of
educational level (grammar, high the rm of Enea, Scanlan & Sirignano,
school, college, post graduate) of LLP of White Plains.
the person. However, to be con-
OCTOBER 2019 WESTCHESTER WELLNESS – PAGE 25
WESTCHESTER COUNTY RACES
Paine to Pain Trail Half Marathon Taco Trot 5K
Oct. 13 • Thomas Paine Cottage Museum, 20 Sicard Ave., New Rochelle Oct. 20 • FDR Park,
Paine to Pain is a giant single loop that winds its way through the woods and trails
of five different lower Westchester parks. You never run the same trail twice and will 5K or 1 mile run/walk.
Love tacos but hate cancer?
spend 90 percent of your time on dirt (and rocks and roots) in the shade of the
woods. Many of the trails are completely hidden from public view and Run the Taco Trot 5K!
host a wide variety of wildlife including deer, fox, coyote,
hawks, owls, heron, wild turkey, rabbit and
Sleepy Hollow Halloween 10K Armonk for
Oct. 26 • 30 Pocantico Street, Sleepy Hollow
Oct. 27 • 111 Bedford Road,
Enjoy a course that takes you through Historic Sleepy Hollow’s treasured Elide Plaza, Armonk
sights including a stretch along the Hudson River with views of the
Armonk for Autism is a 501(c)3 nonprofit
Headless Horseman Bridge, Sleepy Hollow Cemetery and the Old Dutch formed by Byram Hills High School
Church. You never know what might be lurking on the course in Sleepy
student, Reese Tateo. All proceeds from
Hollow. Costumes strongly encouraged. this race will be donated for programs
and equipment designed to help kids
with autism and special needs in the
Byram Hills School District.
Raven Rocks Run Westchester
Nov. 10 • Reservation Road, Cross River
Nov. 28 • Westchester Community
The Raven Rocks Run is a challenging 10K trail run at Ward College, 75 Grasslands Road, Valhalla
Pound Ridge Reservation in Cross River. It is the first new race
10K/5K run/walk. Westchester Turkey Trot has come
at this park in over 20 years. together with Thanksgiving runs from around the
nation to from a multi city running festival called the
American Turkey Tradition. Now, in addition to running
with everyone at your local event you will be able to
come together with runners from around the country in
the World’s Largest Thanksgiving running festival.
Jingle Bell Run
Dec. 7 • Purchase College,
735 Anderson Hill Road, Purchase
The Arthritis Foundation’s original Jingle Bell Run is a fun way to
get decked out and be festive, while racing to raise funds and
awareness to cure America’s #1 cause of disability.
To be featured on this page, email Bruce Heller at [email protected]
PAGE 26 – WESTCHESTER WELLNESS OCTOBER 2019
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