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Even we empty nesters seem forever conditioned to track our days according to the school calendar. So it makes sense that we consider September the perfect time for a refresh and new beginnings. And we have just the ticket because Back-to-School is not just for the kids! There’s an abundance of lifelong learning opportunities for ages 55+ right here in Westchester.

Learn about the orphan trains, how to meditate mindfully, or explore the writings of Shakespeare - all while making new friends and expanding horizons. I invite you to explore pages 10 through 12 to find out more. But we’re not done with the gems of information you’ll find within these pages. Google the phrase “money and anxiety” and the online search engine will return about 159 million results. No exaggeration. So you are not alone in your concerns. We’ve teamed up with the Weiser Financial Group and long-term care specialist Nancy Gould to help you navigate the often murky waters of planning for the future. What should you be doing now to prepare for the next few decades? Are reverse mortgages a safe way to help fund retirement? Will long-term care insurance provide the financial protection you may need? All serious issues that should be addressed (pages 14-19) - no head in the sand strategies allowed! And in this issue, we’re tackling more than financial fitness. You’ve seen a lot about Alzheimer’s lately. One in nine Americans over the age of 65 is affected by Alzheimer’s - a number that’s expected to grow as the over 65 population increases - and we want our readers to learn more about the Westchester memory care services and providers who are helping those in the community: from music and art therapy programs to fundraising and awareness (pages 20-26). It’s time to join together because it still does “take a village,” so do what you can to embrace and support the families dealing with this. And, of course, there’s an abundance of fun activities and events to plan your fall calendars by. Whether it’s searching for unique items at the Hastings Flea Market, walking among the scarecrows at Lyndhurst, listening to the amaz-ing 75 years young Joan Baez at The Capitol or joining a conversation with renowned choreographer Twyla Tharp, take some time to figure out what you might enjoy doing and, perhaps, consider doing something you haven’t done before - and maybe we’ll see you there! Until next time, wishing us all love and peace.

With gratitude,

Susan E. RossPublisher and Certified Senior Advisor®

[email protected]

Stay current and connected with us as we grow by liking us on facebook. Go to our facebook pagewww.facebook.com/WestchesterSeniorVoiceand click on the like button.

from the publisher

PUBLISHERSusan E. Ross

[email protected]

SALES DIRECTORSSharon H. Falvey Diane Pucca

CONTRIBUTING WRITERSElizabeth DeRobertis

Michael Giannasca and Brian MillerNancy Gould Tiffany R. Jansen

Lisa Keys Rich Monetti Patrick Saxton Amy Weiser

Julie Woodward

COPY EDITORBarbara Tartell

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LIFELONG LEARNING Learning never stops and is more engaging than ever at these local programs - perfect for people who want to socialize and stretch their minds.

MONEY MATTERSImportant information you won’t want to miss: reverse mortgages, long term care insurance, financial planning, Medicare basics.

LIVING WITH ALZHEIMER’SThere are some truly uplifting and supportive programs that serve Westchester families cop-ing with Alzheimer’s. Learn more here.

FALL CALENDARCrafts fairs, Landscape Ramble, a Donovan concert, The Art of the Japanese Garden, bicyle Sundays, African jazz. And the list goes on.

contents Fall 2016 10

14

20

31

departments 7 news & worthy 8 spotlight 9 out and about26 health & wellness: eating smart 30 grand life: recipes, activities31 entertainment and community calendar

columns14 money matters: special section 15 medicare advisor: the basics 29 legal matters: second marriages

Westchester Senior Voice connects boomers and seniors with the local professionals and business-es that serve them. Within our pages, we inspire, educate and exchange information in an embracing and Inclusive way.

our advertisers 32 assisted living locators 22 bethel home and services 23 brightview tarrytown27 bronxville hearing center 5 caremount medical 3 community home healthcare11 crickett care12 dorot westchester33 dr. hal abrahams - podiatry29 elder care connection32 fieldhome 9 firstlight homecare 5 giannasca & shook, pllc 35 handypro17 medicaid solutions24 memory care sponsors11 music conservatory of westchester 9 my second home15 mvp healthcare 15 nancy gould 7 no place like home19 peak executor solutions llc 13 scarsdale medical group33 soulauras17 susan parker, esq. 2 the plaza at clover lake27 vna of hudson valley 7 wartburg 36 waveny lifecare network19 weiser group at morgan stanley21 willow gardens memory care at united hebrew

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What do you get when you pair up a Westchester teen with an older adult who’s looking for a weekly chess game? The new Intergenerational Chess Program - starting this Sep-tember at the Solomon Schechter School in Hartsdale. Modeled after its highly successful Manhattan-based sister program and originally inspired by a friendship between the generations that formed over the game, the program only re-quires participants have the desire to socialize and maybe even bond over a chess board. Sixteen-year-old Nicholas Seitz has been playing intergen-erational chess through the pro-gram for the past two years and will continue during the upcoming school year. He’s seen first-hand generations come together, share stories and learn from each other. Some “opponents” engage in conversation with him, while others are more focused on the game at hand. But either way, he always learns a little bit about them each time he plays. His chess game has even improved. The new program comes to Westchester through social services agency Dorot. With its mission of “innovatively bringing generations together,” Dorot is non-denominational and wel-comes anyone interested in playing or learning to play chess. The older and younger genera-

tions will come together from 4 to 6pm on a designated weekday to be determined, at the Solomon Schecter School. Snacks will be served, and Dorot will help or-chestrate transportation to ensure participants can attend regularly. Ever since she was a young girl, Shirley Katz-Cohen has wanted to learn chess, but the board was re-served for her brothers. Now, with the program which has been in place on the Upper West Side, she is thrilled to have the opportunity to learn something new. At this [older] stage of life, she says, “I love the challenge and feel a great sense of accomplishment.” Shirley knew nothing about the game other than being able to identify pawns. And she has some serious opponents, playing against kids who’ve been at the game since they were 3 or 4 years old. She’s so intent on learning that she’s enlisted the help of a young teen, William, who comes to her home for extra lessons. Even more impressive is that everyone who started with the program is still attending.

Dorot serves Westchester and Man-hattan by combating social isolation with food deliveries, weekly friendly volunteer visits and telephone visits, youth programs, teleconference classes, and support groups. For more information about the chess program, contact Westchester Director Cippi Harte at 914-573-8906 or visit DorotUSA.org/westchesterchess


Chess Mates

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Joseph HollandA Study in Perseverance and Faith

By Rich Monetti

125-pound Pop Warner Football player probably feels pretty good about his chances on the gridiron. But when a league weight limit permanently sidelines him, the disappointment is managed into an enduring life lesson. The youngster was long-time Yonkers and Somers resident Joe Holland. An Academic All-American at Cornell, a graduate of Harvard Law with numerous professional successes, Joe had the right man in his corner.

“Perseverance must be learned to succeed, and you can’t give up when things don’t go your way,” Holland remembers his father’s counsel.

Jerome, the father, spoke from experience. The only child of 13 to go to college from Auburn, NY, his All-American credentials from Cornell fell on deaf ears in 1939. One of the country’s top players, Holland states flatly, “Jackie Robinson hadn’t broken the color line.”

The elder Holland put his head down, con-tinued his education, and became president of Hampton University in Virginia, modeling a strong work ethic for his son Joe.

The family embarked for Sweden in 1970, where the father had accepted an ambas-sadorship, and then stood at the center of that country’s vehement opposition to U.S. involvement in Vietnam. Holland refused to succumb to the vitriol and young Joe took notice. “I saw him in action. His grace and intelligence allowed him to represent U.S. interests in a way that defused pres-sure,” said Holland.

Football in Sweden didn’t do justice to Joe’s prowess and passion. “They play soccer,” he said. “So I really wanted to come home and play football.”

The family returned in 1973 and Roosevelt High in Yonkers was the beneficiary of Joe’s

ground game. He set the county record by averaging 200 plus yards per game and became a High School All-American.

An athletic scholarship to Michigan came next. “The only player from New York, I ran into some Big 10 football politics,” Holland believes. His dreams of going pro were squashed. “This was the most difficult part of growing up,” remembers Holland.

Fortunately, his academic talents eased the playbook his father had long put in place. “That lesson in perseverance helped,” he says.

Holland continued his father’s legacy at Cor-nell and averaged more yards per game than Heisman Trophy winner Billy Sims in 1978.

Off the field, Holland was aware of civil rights issues but heeded his father’s advice amid all the campus protests. “The most important thing for you is to be a scholar athlete,” Holland recalled.

Joe made that decision payoff. Rejecting several Wall Street offers, Holland opened a law firm in Harlem, began a nonprofit called Harlem’s Ark of Freedom to help the needy and started the Beth-Hark Christian Coun-seling Center during the crack epidemic. “It was really important that I give back,” he said. “That was instilled by my parents.”

Today, as principal of Kingdom Partners Group, Holland helps churches efficiently develop their real estate so more resourc-es are available to deliver services and maximize their missions. He also continues his outreach as a motivational speaker and author. “To whom much is given, much is required,” he quotes the bible.

Certainly making due, Holland hopes his three children can follow the example of the father - just as he’s done.


spotlightn n n

A

Joe pictured top to bottom: with his daughters, with cutout of his dad, with his son

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PLAYwith Your Food

Performing with script in hand and playing to sold out audiences in Fairfield County, Play With Your Food will soon be bringing the works of playwrights like Neil Simon and David Mamet, along with edgier and more contemporary writers, to the West-chester community.

As the name may suggest, a gourmet lunch catered by area restaurants is a part of the 90-minute experience, which starts at noon on October 17, November 14 and December 11 at The Rye Arts Center. Per-formances are followed by a talk with the professional cast of actors and the director. Artistic Director Carole Schweid along with Co-Founder Nancy Diamond initially launched the theater program in Westport in 2003 after recognizing a void in the market for daytime entertainment during the week. They pondered the idea that not everyone has the ability or inclination to travel to the city for the-ater. So why not create a social and cultural program here in the suburbs? And how about combining two favorite passions: food and theater? Play With Your Food was born. They have since expanded to Greenwich and Fair-field, and now Rye. The Connecticut season runs from January through April. Says Schweid, “We’re excited that New York audiences will get to experience this winning recipe!” “The collaboration with The Rye Arts Cen-ter was fortuitous and fit well with our plans to expand,” comments Producer Diana Muller.For more information or to purchase tickets, visit ryeartscenter.org or call their box office at 914-967-0700 to reserve tickets.

From bathing to bandaids to backgammon this is home care.At FirstLight™ the care we provide goes beyond the basics of bathing, house cleaning and medication reminders. If you or your loved one want to listen to music or play a game of backgammon, we’re there. We care for seniors, people with disabilities, and those recovering from illness, injury or surgery. Call us to learn the many ways we can help you or someone you love.

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Why be home alone?Come spend the day with us — exercise your brain and warm your heart.

WCC’s Collegiumfor Lifelong Learning dith Litt knew something needed to change. Widowed and retired, with most of her friends moving away to Florida, the Sleepy Hollow resi-dent craved intellectual stimula-tion and social interaction.

She decided to audit archi-tecture courses at Yale Uni-versity. Though she enjoyed the courses, being the oldest student proved frustrating. “I was the old lady sitting there with a bunch of kids,” she says. “If I wanted to talk to somebody about one of the courses after the lecture, they weren’t going to talk to me. They wanted to talk to each other.”

If she couldn’t find the combina-tion of intellectual and social stimulation she was craving, Edith was determined to create

it herself. That germ of an idea blossomed into the Collegium for Lifelong Learning. The program would offer older adults the op-portunity to gather, learn about and discuss topics that inter-est them, and get to know one another. All Edith needed was a location.

A Westchester Community Col-lege Foundation Board Member at the time, Edith felt that few understood that WCC was a wonderful institution with so much to offer to the community. Housing the Collegium at WCC would give a wider range of peo-ple the opportunity to experience the school’s gorgeous, sprawling campus, warm atmosphere, and top-notch faculty.

After some initial concerns about space and classroom avail-ability, the Collegium found a home at the College’s Knollwood Center, a squat, rustic-looking stone building on the outskirts of

campus. Once the athletic build-ing and then a children’s center, it now houses four renovated classrooms and a common area.

The Collegium for Lifelong Learning officially opened at WCC in 2004. For the first five years or so, Edith hand-selected the courses herself, which were, and continue to be, taught by professors, retired educators, or professionals with expertise in the subject area who volunteer their time.

Now that there’s a Collegium board to run the show, Edith is able to enjoy the program she founded all those years ago as a learner. And there’s certainly a plethora of fascinating subjects to explore. This fall, there will be courses on everything from personal finances to the Battle of Leyt Gulf, from a Billy Wilder film retrospective to play readings and the 2016 election.

Courses are held on Wednes-

days and Fridays (sign up for either day or for both), and run for six weeks. There’s a break between classes for coffee, cookies, and mingling, as well as a group lunch. Participants often join with their spouse or a group of friends, though many come to the program as individ-uals. Cost for a Wednesday or Friday series is about $200, or participate in the full program for about $400.

“Many, many people have made new friends here,” Edith says of the program, herself included. “You have people to talk to about stuff that interests you. The benefits of friendship are incalculable.”

For more information on The Collegium, google “wcc colle-gium” and follow the link to find course offerings. Or call/ email: 914-606-6748; [email protected]

- By Tiffany Jansen

E


Strengthening Minds, Building Friendships, and

lifelong learning n n n

Always Learning

Collegium Board Members Marcia Gellert, Clare Ahern, Ed Pressman, David OestreichHarry Phillips III, Arthur Goldstein, Collegium Board

LIRIC Director Suzanne Page

LIRIC Director Suzanne Page


Learning in Retirement at Iona College

ugs, cheerful hellos and all the niceties you’d ex-pect from a group of longtime friends. This is the Learning in Retirement at Iona College (LIRIC) program, now based at the Greek Orthodox Church in New Rochelle.

Providing the opportunity to “meet new people and stretch your mind intellectually,” Pub-licity Committee Chairperson Kathleen Fredrick is one of the several volunteers lead-ing LIRIC, which has been in operation for close to 22 years and boasts a membership of about 350 people. With a roster of courses ranging from Tai Chi to Prohibition Personalities to Making Your New iPhone Work for You, members join and gain access to any of the myriad of courses held during the semester.

The program runs for about eight weeks each fall and spring with mini-semesters in January and July. During a summer session, Nate Fisher presented Little Known Facts About WWII. Part commenta-tor, part educator, Fisher was

peppered with questions from the ‘students’ who were both entertained and informed.

Former English teacher Linda Whetzel first came to LIRIC when she was in her 50s and thought she was “way too young” for the group, with all the gray hairs surrounding her. That was 13 years ago. Now she’s Curriculum Chair. Part of the appeal: attend when you want and there are no papers, no exams.

Then there’s Irene Schindler, who has been leading the Writing Workshop at LIRIC for almost 20 years. Also a former teacher and past President of The Garden Club of New Rochelle, she helps members craft and preserve their life stories. Their annual literary publication LIRICal Musings ensures these histories will be shared with other members, friends and family.

Membership for the year is $190 and covers access to any or all of the lectures. A typical day at LIRIC, which runs on Mondays, Tuesdays and Thursdays, kicks off with a 10:30am lecture (though the Writing Workshop starts at 9am). There’s a break for bring-your-own lunch, with time to mingle and socialize, followed

Victoria Fisher (left) and Inge Otto in attendance at LIRIC

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by afternoon lectures. The day wraps up at about 3:15pm - just like grade school. There are also programs on Fridays and Saturdays, held at Iona and led by one of the College’s faculty.

LIRIC is hosting an open house at 2pm on September 11 at Iona College. If you cannot make the date, explore their website at iona.edu/liric or call/email the LIRIC Director Suzanne Page at 914-633-2675; [email protected]

University Without Walls editation: Mindfulness to the Core, The Inter-section of Immigration and Transportation in New York City, Creative Aging: Pen and Ink Wash Techniques, Sexual Health in the Aging Adult. These are just a few of the over 200 University Without Walls’ (UWW) classes offered each year by social services agency Dorot that enable adults to learn and socialize while improving their health, exploring the arts and discussing current events.

All of the UWW classes are offered via teleconferencing or online. Place your phone on speaker to participate in

the Yoga class or go online to follow the instructions for the art classes. In operation since 1989, the program’s offerings have expanded across subject matters though about half of the classes are health-related, says Director of Education Services Catherine Li.

Westchester resident Dorothy Rosenman is a big fan of the teleconferenced courses, com-menting that, “These courses bring the museum to me. I look forward to them all the time!”

Classes are offered at different times of the day, but typi-cally between 9am and 5pm. Participants of all faiths are on the student roster. Many have moved away from the NY met-ropolitan area but stay in touch with their telephone classmates and friends by continuing to take classes. Course instruc-tors, referred to as “facilitators” come from an eclectic, highly-respected set of institutions: the Brooklyn Public Library, the NY Transit Museum, MoMa, and The Bard Graduate Center,among others.

To find out more about the UWW courses, go to Dorot.org or call their toll-free number 877-819-9147.

MWhat’s your next move? Join the DOROT Westchester Intergenerational Chess Program - weekly games of chess for seniors with teens. All levels welcome.

Call (914) 573-8906 to sign up or visit dorotusa.org/westchesterchess

Presenter Dr. Sharon Kennedy-Nolle (seated), Professor at the Rudin Center at Iona. Standing (left to right): LIRIC members Adrienne Finlay, Chris McCormick, Linda Whetzel, Kathleen Fredrick.


Westchester Senior Voice wants to learn more about you, our readers, so we can deliver the articles and information that

interest you.

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Scarsdale Medical Group delivers top-notch, compassionate care throughout every stage of life.

As we age, our healthcare needs change. Scarsdale Medical Group offers comprehensive care for older adults. Our board-certified geriatric specialists, internists and other specialists can diagnose, treat and manage conditions and disease associated with aging to improve your health and quality of life.

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atricia and Ben, clients of mine, planned to retire at the age of 65. Recognizing the increasing daily needs of their own parents, Patricia and Ben began to question whether their own retirement funds would be sufficient to cover their eventual personal health care needs. They were surprised to learn that Medicare does not cover personal care. (It does cover a set amount of skilled nursing care following a hospital stay.)

A statistic published by the Center for Medicare and Medicaid Services gave them more cause for concern: 70% of people over the age of 65 will need care services and support at some point in time. Moreover, the national median cost for home care is $45,000 annually, and is even higher in the Westchester area. And these costs are likely to rise as the growing aging population increases the overall demand for services.

So Patricia and Ben contacted me to discuss whether long-term care policies would be appropriate for them. They were clear that they each wanted a policy which covered care in the home. They had also reviewed their financial resources and de-cided on a premium range that was com-fortable for them. Knowing the type of care you want and how much you’re willing to pay in premiums are two important steps in selecting a good plan design. I also recom-

mended they consider plans that provided inflation protection so they could maintain the purchasing power of the benefits.

Planning for the future can be a challenge as we don’t know what our needs will be. A long-term care contract creates a large sum of money from which a set amount of cash is withdrawn to pay a caregiver or provider. A comprehensive plan offers flex-ibility, covering care in the home, assisted living residences, nursing homes and community services. The insured qualifies for benefits when substantial assistance with at least two activities of daily life, such as bathing and dressing, are needed for 90 days or more. A diagnosis of dementia alone qualifies.

Since each insurance company offers plans with its own distinctive features,

it’s important to consider more than one company to find the plan which meets your particular wants and needs.

Most long term care policies are tax-qualified plans, meaning the premiums are deductible on your federal tax return. And the benefits are not taxable. New York State tax filers also benefit from a state tax credit of 20% of the insurance premiums.

All long term care policies and riders are medically underwritten. This means that your health and medical history will be taken into consideration when determin-ing your eligibility and premium rate. Early planning usually results in lower premium costs and an easier underwriting process (when you have less of a medical history).Without long-term care insurance, Patricia and Ben knew they wouldn’t have the finan-cial assets to fund their care if either one of them needed it. The benefits of the plan they selected weren’t entirely what they had hoped for, but they still felt it would be a game changer for them and their family if and when they needed care.

n n n

Nancy Gould, CLU is a certified long term care specialist. She assists her clients in finding ways to pay for their long term health care needs. She is licensed in NY, CT, NJ, GA, NC, TN, AL. Contact Nancy at 914.242.3250, [email protected], www.nancygouldltc.com


Long-Term Care Insurance Protecting Your Retirement By Nancy Gould

P

Nancy Gould (r) shown here with a client.

special: money n insurance

Initial Enrollment Period For those turning 65, there is a seven-month time frame around your 65th birthday - in the months before and after - in which you can sign up for Medicare. Unless you choose otherwise, Social Se-curity will enroll you in “Original” Medicare (Parts A and B). Since Part B requires a monthly premi-um, enrollment is optional so you must choose to enroll. And it’s generally a very good idea to do so. Keep in mind that if you wait

to enroll in Part B, there is a 10% penalty added to the premium for each full year you delay. If you want a Medicare Advantage Plan, sign up for Medicare first, and when you get your number, call the Plan itself to enroll.

Open Enrollment From Octo-ber 15 to December 7 each year, you can change health plans: move from Original Medicare to a Medicare Advantage Plan, move from Medicare Advantage back

to Original Medicare, or change Medicare Advantage plans. Automatic Enrollment People who are already receiving Social Security retirement benefits are auto-matically enrolled in Medicare Part A and B. If you don’t want Part B, you will have to decline it and send the form back to Social Security.

General Enrollment Period If you do not sign up for Medicare during your Initial Enrollment Peri-

od (the seven months around your 65th birthday), you may only enroll between January 1 and March 31. Coverage will begin July 1, so you will be uninsured until then.

Special Enrollment Period For people who decline Part B be-cause they or their spouse are still working and covered under an employer’s group health in-surance plan, there is a Special Enrollment Period when they no longer have this coverage.

When to Enroll in Medicare

ow much do we really have to know about Medicare and the intricacies of the health coverage for those aged 65 and older? The short answer is way more than we already know, and there are lots of reasons why so many people end up just buying something – any-thing! – and hope for the best. Medicare is confusing, and it’s hard to get the information we need. First of all, the government doesn’t offer much in the way of counseling services to help people figure out what coverage might work best for their situation. Then there’s word of mouth: a well-meaning friend or relative may recommend a plan, not realizing it isn’t the best solution for you. There’s also so much advertising! Our mailboxes and TVs are flooded with insurance products during the Fall Open Enrollment period, each company claiming that its plan is the best, when clearly the whole process of choosing involves some very personal choices. Here’s what you absolutely need to know. “Original Medi-care” consists of Part A (hospital, skilled nursing facility, hospice, etc.) and Part B (doctors, thera-pists, tests, lab work, durable equipment, etc.). The govern-ment pays for some of this flat out (because when you worked, you paid into the system), but in most cases, you are expected to pay 20% of the cost: either out of pocket or through a sepa-rately purchased supplemental plan (Medigap) from a private company. And your stand-alone plan for prescription drugs, confusingly called Part D, also needs to be purchased through private insurance companies. The other way you can get

the same basic benefits (and some extras as well) is through a Medicare Advantage Plan, also known as MAPs (or MAPDs, if they include drugs - and most do). Sold by private companies in the form HMOs, PPSs and POSs, the insurance providers receive Part A, B and D allot-ments from the government and offer you all-in-one plans in which premiums, deductibles, co-pays, networks, lab tests, out-of-pocket maximums, drug re-strictions and many, many other things that vary from plan to plan. Luckily, there are electronic tools to help you work your way through some of the variables. Once you get a handle on these basic two structures, you might also have to take into account how your other insur-ance interfaces with Medicare. For example, you may still be working and have employer coverage, which might or might not continue once you retire in the form of an employer or union plan. Some people get COBRA, others get TRICARE, FEHBP and VA benefits. How do these work with Medicare? They do, but in different ways. If you need financial assis-tance with your coverage, there are cost-savings programs at both the federal and state level that you may want to look into. Medi-care Savings Programs (MSPs) and Extra Help pay for premiums, co-pays, and/or deductibles. EPIC is available to help people even with moderate incomes pay for expensive prescription drugs.

For more information and dates for the Westchester Library System’s Demystifying Medicare presentations, please visit www.westchesterlibraries.org/westchester-seniors-out-speaking/ or call 914-231-3260.

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Financial Fitness

THROUGH THE DECADES By Amy Weiser

AND BEYOND

F

Amy Weiser is a Financial Advisor with Morgan Stanley Global Wealth Management in Stamford, CT. The information con-tained in this article is not a solicitation to purchase or sell in-vestments. Any information presented is general in nature and not intended to provide individually tailored investment advice. The strategies and/or investments referenced may not be suit-able for all investors as the appropriateness of a particular in-vestment or strategy will depend on an investor’s individual cir-cumstances and objectives. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Morgan Stanley Smith Barney, LLC, member SIPC.

inancial planning is a process. It occurs over the course of our lives and should reflect our changing needs as we age. Why plan? Studies have shown that retirees and pre-retirees who have a formal retirement plan feel more prepared for retirement; they have gauged how many years their assets will last and have a plan for generating income from savings1. They’ve given thought to how they want to live and how to fund that vision.

MAXIMIZEin your 50sYou are most likely still working and saving for retirement. You should be maximizing your 401K contributions, especially if your employer provides a match. And take advantage of your 50+ status with additional “catch-up” contributions to your 401k, 403b, or IRA. lYou may be funding college or drawing from a 529 college savings plan. Consider student loan options instead of drawing from monies that should go into your retirement savings.lReview your asset allocation to stay on track with your goals. lWork with your accountant, attorney and financial advisor to assist in comprehensive planning.lReview life insurance policies and beneficiaries to ensure adequate coverage of obligations such as college tuition, mortgage payments and retirement for survivors. lReview liabilities, such as your mortgage; consider refinancing to lower rates if applicable.lConsult a trust and estate attorney or elder lawyer to ensure you have and are up to date with all the necessary advance directives. A health care proxy and durable power of attorney are essential components of a complete financial plan, as is a current will. Wills drafted when the kids were born are outdated and need to be reviewed every five years or so.lYou may be caring for both your children and your parents: look into the benefits and options for long-term care insurance.

SAVEin your 60sCongratulations! You may have paid off the mortgage and finished with the college tuition, enabling you to contribute even more to your retirement and investment accounts. Remember, your money may need to last another 25 to 30 years! lNow’s the time to look at Social Security and think about when you will retire. Benefits become available at age 62 but increase at your full retirement age (FRA) and continue to increase each year until the age of 70. At age 65, you will qualify for Medicare benefits. lIf you have grandchildren, you may want to gift to a 529 college savings plan which provides tax and possible estate planning advantages. lDownsizing or moving to maintenance-free living may also factor into your financial and life plans.lIf you are a business owner, begin to formulate a succession plan with formal buy/sell agreements in place.lReview your estate plan and advance directives with your lawyer and tax attorney. Connect these professionals with your financial advisor to assist in updating your financial plan.lIf you haven’t already, determine how you will pay for long-term care in retirement. lYou’re considered a senior now. Look into applying for a property tax reduction in your area. Use the many senior discounts available to you: car rental, hotels, public transportation, movie tickets, even groceries and coffee!

MAINTAINin your 70sYou are most likely retired or contemplating retirement. You may be travelling, golfing, volunteering or spending time with grandchildren. You are probably drawing from retirement assets, and taking the required minimum distribution (RMD) from your IRA (beginning at age 70 ½). lReview your retirement portfolio to ensure you are on track to draw from your assets. At this point your investments should generally be allocated more for income than for growth. Speak to your financial advisor about arranging automated payments for ease. lYou may want to look at gifting options to reduce your estate. Consider trusts for estate planning. If you’re philanthropically inclined, talk to an attorney or your financial advisor about charitable trusts.lAgain, review and make any necessary changes to your advance directives and wills.

Throughout these decades, you will want to anticipate your future needs and wants - and incorporate them into your financial plans. Continually review your asset allocations and tolerance for risk. Keep your family involved and informed. Stay connected with your financial advisor, accountant and estate or elder law attorney to ensure your plan remains on target to meet your goals. Finally, keep all of these recommendations in motion so you will be able to enjoy your retirement!

n n n To speak with The Weiser Group about any financial planning needs, email Amy Weiser at [email protected] or call her at 800-233-2353; visit their site www.morganstanleyfa.com/weiser_weiser/

Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

Footnotes:1 The Benefits of Retirement Planning, LIMRA Secure Retirement Institute, 2016


AND BEYOND


A 2011 MetLife study on the cost of caregiving revealed some startling statistics. Namely, about a quarter of adult children, primar-ily baby boomers (who themselves are aging), are providing care and/or finan-cial help to a parent. For women, the total amount of lost wages due to caregiving exceeds $142,000. Lost social security benefits amount to $131,510, with an additional $50,000 nega-tively impacting pensions. MetLife calculated the total cost impact for the female caregiver at $324,044. That total amount for male care-givers comes to $283,716. The findings indicate that there are significant financial implications of leaving the workforce or moving to part-time work in order to care for a family member. There are health implications as well - these adult children are more

likely to have “fair or poor health” as compared to those who are not provid-ing care to a parent. A separate study sponsored by The Rand Corporation, with find-ings released late in 2014, places the total monetary value of “informal” caregiv-ing by friends and family members at $522 billion a year in the U.S. In addition to caregiv-ers needing to understand the personal financial cost of caregiving, both the MetLife study and the Rand study agree that policy-makers and employers must address this wide-reaching economic burden. Some of it can potentially be addressed with work-arounds such as flex-time and family leave. The sta-tus quo will leave too many caregivers forfeiting hopes for their own financial se-curity as they head for their retirement years.

The Real Cost of Unpaid Caregiving



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n the 2000s housing boom, many people got into trouble using reverse mortgages because they couldn’t afford to own their homes, didn’t have the means to pay their property taxes or insurance, or used the money improperly. Then, when they actually needed the money for living expenses, it was no longer there, and the homeowner defaulted on the loan. Since then, new rules have been put in place by the federal government to protect homeowners with the Home Equity Conversion Mortgage (HECM), while still enabling them to access the equity tied up in their home. Now, a homeowner has to show she has the ability to pay property taxes and insur-ance premiums. The homeowner also cannot borrow more than 50% to 70% of the home’s value, and

the truth about Reverse Mortgages


I



the program is only available to those who are 62 or older. Plus, the homeowner can-not draw down the full line of credit for at least a year. With a HECM, full control and ownership of the home remains with the homeown-ers, who can stay in the home as long as they continue to pay their real estate taxes and homeowner’s insurance. Upon sale of the home, the proceeds go to repay what’s been borrowed plus the accumulated inter-est. Any leftover money goes to you or your estate. HECMs are insured by the Federal Housing Administration. So if the home sells for less than the loan amount, the FHA covers the lender’s loss. Interestingly, individuals who are look-ing to remain in their homes are using the HECM as part of a coordinated strategy, along with savings and Social Security, to fund their retirement and not fully deplete their liquid financial assets. The notion that someone must be “strapped” for cash to use a reverse mortgage is outdated and while the HECM is not right for everyone, it can be a credible estate planning tool. For home-owners drawing down on their savings, a reverse mortgage may be a tool to use when waiting out a dip in the stock market. Alfie Schloss, a Licensed Home Equity Conversion Mortgage Originator, says that when clients know they definitely want to remain in their home [and not downsize] but are at risk of outliving their savings, strategic draws from their HECM can be advanta-geous. The HECM payments are tax-free and not considered income, extending retirement accounts and limiting forced selling of assets at a loss. Moreover, interest is charged only on the amount you draw from the credit line. The HECM is most effective when ac-quired early but not used for several years. In a sample scenario, a 62-year-old owning a house - without a mortgage - valued at $450,000 would have a line of credit of about $222,000. HECMs are structured so that the unused line of credit increases each year by at least the mortgage interest rate. If left untapped, that line of credit could grow to about $700,000 by the age of 82. The homeowner could take that money tax-free, potentially when they need it most. If you don’t qualify or are concerned about your ability to cover the costs of your home, a more traditional route to free up the equity in your home would be to down-size. Talking to an experienced, trusted professional and your financial advisor can help bring clarity to your particular situation.

The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives.© 2016 Morgan Stanley Smith Barney LLC. Member SIPC.GP11-01362P-N09/11 7177572 MAR003 06/12

Tomorrow is based on what you do today.No matter what happens in your future, you need to be ready for it. You need to set goals for it, save for it and invest carefully. You need to make fiscal responsibility a personal value. Most of all, you need a strategy.

As your Financial Advisors, we’ll work with you to create a strategy — one based on the realities of both your life and the financial world. Meet with us, and let’s get your future started.

The Weiser Group at Morgan Stanley

Andre WeiserFinancial Advisor

Suzanne WeiserFinancial Advisor

Amy WeiserFinancial Advisor

Matthew ChungClient Service Associate

4 Landmark Square, 2nd FloorStamford, CT 06901

[email protected]

www.morganstanleyfa.com/weiser_weiser

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living with

Alzheimer’s“My heart gets bigger from being there,” says Certified Music Therapist Melinda Burgard, who oversees the Alzheimer’s Associa-tion’s Music Socials programs in Westchester. “People are talking to each other, enjoying dancing, and it’s especially helpful when you don’t have the words to express yourself,” she continues. At these music socials, family caregivers find a supportive envi-ronment and see the healthy side of their loved one. During a re-cent session, Burgard was particularly moved when a participant shared with her that, “Something beautiful is growing from this [the music],” as he started to recall memories from his childhood that he thought were forever forgotten. People with early to mid-stage Alzheimer’s, along with a family member, come to the socials to enjoy music and forge new friend-ships. At these interactive groups, participants are encouraged to reminisce and find joy in exploring their musical connections. Burgard introduces them to new instruments or may even share a duet on the piano. The current program, running through December at the Music Conservatory of Westchester in White Plains, is Music and the Hudson Valley. Subjects include musicians who have lived in the area, Woodstock, live musical theater, and Pete Seeger. No musi-cal experience is required; join any time.

Call 914-253-6860 for more information and to register; alz.org/hudsonvalley

Pictured l to r: Mike Blank, Shirley Blank, Melinda Burgard (seated), and Cara LaFleur

And the Beat Goes On… The instinctual comfort of rhythm, originating, perhaps, from an unborn’s earliest sense of a mother’s heartbeat, remains with us throughout life. It offers a pattern of continuity and a feeling of security. So it is no surprise that Drum Circles are an ef-fective means of expression among those with dementia and other diagnoses. Says Phyllis Montanari, Music Thera-pist at Bethel Homes & Services, “Drum Circles are non-threatening activities for

residents suffering from dementia. They do not require a search for words or specific answers, so more residents will participate and have an opportunity to communicate on their own level.” Each week, Montanari distributes 12 drums to a circle of residents. She leads the group by saying a familiar phrase such as, “Have a nice day” and repeats it in rhythm to a drumbeat. The group follows her lead. In a few minutes she stops saying the words, but the group holds the rhythm. In time, she or a member of the group sug-

gests another phrase and they start again. “It provides them with a sense of involve-ment and empowerment, and sets the tone for their day,” says Montanari. She also leads Drum Circles for Beth-el’s short-term residents and a larger circle for all residents, who also benefit from their unique, therapeutic comfort. When Montanari recently offered the drum to a rehab resident, the resident banged on the drum and said, “This is my pain.” Then she tapped on the drum with her fingers and said, “These are my tears.”

Something Beautiful

special:memory care

The Westchester County 2016 Walk to End Alzheimer’s takes place on September 25. The 10a.m. opening ceremony is followed by the two-mile walk, starting at White Plains High School (enter on the Bryant Avenue side).

To register, volunteer, and/or donate, google “2016 Walk to End Alzheimer’s at White Plains” and click through to the site.

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The healing power of music is universal. It transcends time and prompts listeners to relive their first love, a youthful adventure, or other meaningful memories. Recognizing the profound importance of music in our lives, the Music & Memory program was created to improve the quality of life for those suffering from Alzheimer’s and other dementias. Using an iPod loaded with a personalized music play-list, memories are triggered and the listener can recon-nect with the world to varying degrees. The program is gaining popularity in care settings and at home. The Bethel Nursing and Rehabilitation Center in Croton-on-Hudson implemented the program in its memory-impaired community in 2015. Patricia Nickerson, the Director of Social Services, comments, “We are al-ways looking for ways to improve the care we provide to our residents who have cognitive deficits. The Music and Memory program offered an intervention that would be person-centered for later stage dementia residents.” “Some residents enjoy hearing music after lunch or when formal activities end in the afternoon,” she con-tinues. “Residents smile or sing along when listening or simply move their heads to the beat,” says Nickerson. The Music & Memory program has a calming influence and enables listeners to relive happy memories.

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Alive InsideThe Sound of Music

In the powerful and evocative documentary Alive Inside, we are introduced to Henry, sitting non-responsive and lost in his dementia. “When we gave him his music [Gospel and Cab Calloway] for the first time, he just woke up,” said filmmaker Michael Rossato-Bennett. “He went from dead to alive in front of my eyes,” as he started to sing the words of the 1943 song I’ll Be Home for Christmas and engage in conversation. In this award-winning 2014 Sundance film, Rossato-Bennett captures the experiences of

memory-impaired people as they listen to an iPod loaded with mu-sic specifically selected for them. Following Dan Cohen, founder

of the nonprofit Music & Memory, we see the transformative power of music on a population that would otherwise be unreachable.Available on DVD at www.aliveinside.us and on Netflix


Caring for Yourself

When You’re Caring for OthersCaring for a loved one who has dementia can leave caregivers exhausted, overwhelmed, and isolated. But you don’t have to go it alone, says Sallie Carlin, Executive Director at Willow Gardens Memory Care in New Rochelle. Carlin is an Alzheimer’s Associa-tion-trained facilitator of caregiver support groups. She says that caregiver groups allow you to bond and share experiences with others who are going through the same things - even the guilt you may feel after losing your patience with a parent or a spouse affected by dementia. “You may have said something you regretted to your mother or husband, and wondered how you let yourself do that. In a caregiver group, you can talk about that and be accepted,” says Carlin. “Support groups are confidential. What you say in the group stays in the group.” Key benefits of attending a support group include receiving practical advice, learning about community resources, improving your coping skills, and gaining a sense of control over your situa-tion, according to Carlin. “Groups offer long-term benefits in the form of supportive relationships, as well as practical tips for immediate use,” Carlin said. For example, she recalled a group discussion on the difficul-ties of getting someone with Alzheimer’s dressed in the morning. “We talked about providing choices - allowing a parent to choose between two shirts, which isn’t overwhelming but provides a feel-ing of decision-making power - and members of the group put that into practice right away.” It’s not uncommon to feel apprehensive about joining a sup-port group, and that’s understandable, says Carlin. “Sharing what you’re going through with people you’ve just met may feel strange. You don’t have to share your story, you can just listen and hear what others have to say.” She advises communicating your prefer-ences with the facilitator beforehand. A typical meeting lasts one to two hours, and may include a sign-in process, introductions, and a topical theme, such as cop-ing with challenging behaviors or dementia treatments. Groups usually may meet weekly or monthly. Caregivers may find virtual gatherings helpful, as they also offer the opportunity to connect with others in similar situations. Not a joiner? Try it out, anyway, says Carlin. Being a caregiver is challenging. But you may find that spend-ing time with fellow caregivers gives you the strength to go on.

Sallie Carlin, MS, CTRS, is the executive director of Willow Gardens Mem-ory Care, Westchester’s first assisted living center dedicated exclusively to Alzheimer’s and dementia care. She is co-facilitating a monthly caregiver support group beginning this fall with Therese O’Donnell, MS, ATR, a therapist at the Hugh Doyle Senior Center in New Rochelle. The group will meet monthly at Willow Gardens. For more information, call 914-338-2338. To find a support group in your area, visit the Hudson Valley Alzheimer’s As-sociation website at alzhudsonvalley.org/support-groups, or call the 24-hour Helpline at 800-272-3900.

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Inspired by the Meet Me at MoMA project in New York City, The Lifetime of Looking art appreciation program, for adults with memory loss and their caregivers, has been conducted at the Bruce Museum for about four years. The program is designed to stimulate people emotionally, physically and mentally in a relaxed, supportive envi-ronment, and is appropriate for those suf-fering from early to mid-stage Alzheimer’s. Led by specially trained educators, the 90-minute program revolves around themes, based upon the Museum’s exhibitions (such as the And Still We Rise showing of story quilts seen here). Partici-pants tour three or four pieces of art and engage in a discussion centered on their reactions to the art. The educator engages

their senses, perhaps integrating music and stimulating with touch as well. The tour is followed by a hands-on project such as creating a clay sculpture that reflects what the group has viewed. Each program accommodates about 10 to 15 people, including caregivers. The Bruce Museum continues to run their long-standing outreach version of this program, taking it to Westchester adult day programs and assisted living communities.

The next sessions at the Museum are on Octo-ber 13 and November 10. For more information or to register, email Kathleen Holko at [email protected] or call her at 203-413-6741. The Bruce Museum, 1 Museum Drive, Green-wich, CT. www.brucemuseum.org

A Lifetime of Looking

From the And Still We Rise Exhibition:Lucy Terry Prince: The Griot’s Voice, 2012

Peggie Hartwell, Summerville, South Carolina

Purple Sunday

To increase awareness within higher incidence populations, the Alzheimer’s Association Hudson Valley Chapter is inviting Hispanic and African-American congregations to participate in the sec-ond annual Purple Sunday on Sunday, September 18. After services, families are invited to stay for an educational presentation. Call 800-272-3900 or visit alzhudsonvalley.org/purple-sunday

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Project LifesaverWestchester County’s Project Lifesaver has been operational since 2008 and is a perfect example of the “It takes a village” philosophy in action. Supporting people who are caring for their parent, spouse, partner or other loved one suffering from Alzheimer’s, the pro-gram outfits the person with a bracelet that uses radio frequency technology to locate them if they wander. A recent case in Yonkers illustrated the effectiveness of the program by locating a woman

who had wandered from her home. She was found uninjured by county police officers in a wooded area more than a mile from where she lives. That search marked the 11th time a person was successfully located and returned home. These GPS bracelets give caregivers much needed peace of mind.The program is administered by the Alzheimer’s Associa-tion Hudson Valley Chapter. Enrollments are done at their Purchase office. Call 914.253.6860 for more information.

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Diet and exercise play a major role in brain health. To preserve optimal brain function well into your older years, good blood flow to the brain is essential. Many of the foods that are good for heart health are good for brain health as well. The proper food choices, exercise and supplements can give you the upper hand in optimal cognitive function.

VITAMIN D According to the Alzheimer’s Research Center (alzheimersinfo.org), vitamin D deficiency significantly increases the risk of dementia and Alzheimer’s disease. And it’s not surprising to find a “D” deficiency in older as well as younger adults. That’s because very few foods contain vitamin D. Fatty fish, such as salmon, tuna and sardines are among the best sources, as is cod liver oil. Most of the U.S. milk supply and some brands of orange juice are fortified with vitamin D. But if someone is truly deficient, physicians usually recommend vitamin D3 in a supplement form, with dosages ranging from 1,000 to 4,000 IU per day. Talk to your doctor about being tested for vitamin D, and the dosage that may be right for you.

EXERCISE Physical activity is one of the best ways to improve or maintain brain health. The brain receives energy and nutrients from the blood, so getting your heart rate up with exercise helps the brain get the fuel it needs - and it needs a lot of fuel. Although the brain makes up only 2% of total body weight, it consumes about 25% of the body’s nutrients and oxygen, more than any other organ. A variety of studies now indicate that regular physical exercise and activity may reduce the risk of dementia by as much as 40%.

VITAMIN E Researchers at Chicago’s Rush University Medical Center studied the lifestyle habits of 6,000 people and found that those who ate the most vitamin E-rich foods, such as wal-nuts, almonds and olive oil, had a reduced Alzheimer’s risk. Explains the Alzheimer’s Research Center: vitamin E may trap free radicals that can damage brain cells.

CHOLINEYour brain uses choline - found in egg yolks, lentils, garbanzo beans, bok choy and broccoli - to make acetylcholine, a neurotransmitter that may help maintain memory and communi-cation among brain cells. Boston University re-searchers tracked close to 1,400 healthy adults for a decade and found a positive correlation between choline intake and better performance on memory tests. So serve up the eggs, which are one of the richest sources of choline.

The MIND DietA recent study published in the journal Alzheim-er’s & Dementia found that a new diet, smartly named the MIND Diet, may reduce the risk of developing Alzheimer’s by 53%. It’s a combina-tion of diets, calling for lots of vegetables, fruits, healthy fats (such as nuts and olive oil) and lean proteins (such as fish and chicken). Even study participants who only “moderately” followed the diet lowered their risk of Alzheimer’s by 35%.

OMEGA 3 FATTY ACIDS Fish offers at least two nutrients that help keep your mind sharp: omega-3 fats, found in oily fish, and vitamin D. Tufts University research found that people who ate fish like salmon, tuna, and halibut three times a week reduced their risk of Alzheimer’s disease by nearly 40%. Omega-3 fatty acids contain DHA and EPA, which are crucial for optimal brain function. ANTHOCYANINS Recent research from Tufts University found that the antioxidant anthocyanin, found in blueberries, can protect brain cells and boost communication between brain neurons. A Harvard Nurses’ Health Study following 16,000 women observed that participants over the age of 70 who consumed two or more half-cup servings of blueberries or strawberries per week had a slower rate of memory decline than those who didn’t eat the berries.

COFFEE Coffee (caffeine) keeps you on your game during the day, but did you know it may also protect your brain as you age? Prospective studies indicate that coffee drinkers have up to a 60% lower risk of Alzheimer’s and dementia. Coffee may also lower the risk of Parkinson’s by as much as 60%.

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Elizabeth DeRobertis, MS, RD, CDN, CDE, CPT, is a Registered Dietitian, Certified Dia-betes Educator and Nutritionist with Scars-dale Medical Group; 914-715-7298; She can also be found at www.nutritionistliz.com; Scarsdale Medical Group; 914-723-8100; www.scarsdalemedical.com

health & wellness n n n

Eating Smart By Elizabeth DeRobertis

special:memory care


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he complexities attending second mar-riages often times require special attention, particularly if there are children from a prior marriage, significant age differences or medical con-ditions, or if one spouse has substantially more assets than the other.

Like most people, you may want to assure your new spouse is provided for in the event you pass away, but also wish for your assets to be handed down to your children from a prior marriage. Accompa-nying this is the desire to promote harmony between your children and new spouse.

Scenario: Jane is a 62-year-old widow with three adult children. Mark is 71, divorced and has two adult children from his prior marriage. Mark is also in the early stages of Parkin-son’s Disease. Jane and Mark decide to marry and want to buy a home in Yorktown, NY. Jane has $1.5 million in assets, and has her own whole life insurance policy with a death benefit of $1.5 million. Mark is entering the marriage with $500,000 in as-sets. Both Jane and Mark wish to provide for each other, but ultimately wish for their assets to be passed on to their children.

How To Title Assets: One of the first decisions Jane and Mark will be confronted with is how to treat their

assets after they are married. Assets and property held jointly, particularly as

husband and wife, generally pass to the surviving joint account holder upon the death of the other irrespective of any dis-positions in a will. The same is true of any beneficiary designations on bank accounts or life insurance policies. Since Jane and Mark wish for their assets to pass to their respective children, joint account designa-tions and naming each other as beneficia-ries would not be advisable. Similarly, when they buy their home, they may want to hold title as “tenants in common” as opposed to “tenants by the entirety” so that each has a divisible ownership interest in the home that may be passed to their children.

Should Jane and Mark have a Will? Although every person should have a will, it is of particular importance in second marriages. If Jane dies without a will, then Mark would be entitled to the first $50,000 of her estate and the remainder would be split one-half to Mark and the other one-half to Jane’s three children. This would yield the unintended result of Mark getting $775,000.00 of Jane’s assets and Jane’s three children splitting $725,000 three ways. Jane’s life insurance proceeds would pass to the designated beneficiary named in the policy.

Spouse’s Right of Election: Even if Jane had a will there could be unintended results. Absent a pre-nuptial

or post-nuptial agreement, New York State law prohibits a person from disinheriting their spouse. A surviving spouse may ex-ercise the “right of election” to receive 1/3 of the augmented estate of the deceased spouse even if they are left nothing under the will. Therefore, even if Jane’s will left the entire of her 1.5 million in assets to her three children, Mark could still assert his right of election to receive $500,000.

Mark’s “right of election” may also make him ineligible for Medicaid even if he otherwise implemented Medicaid planning strategies with his own assets. (Talk to an attorney about the specifics.)

Use of Trusts: Utilizing trusts Jane and Mark can implement strategies that provide for the continued support of the surviving spouse during his/her lifetime, while still achiev-ing their objective of having their assets ultimately pass to their respective children. For example, Jane can set up a trust that is funded during her life time or through a “pour over” will. The trust can also be named as the beneficiary of Jane’s life insurance policy. The income generated from the trust can benefit Mark for his life, and upon Mark’s death the corpus of the trust can be distributed to Jane’s three children. In light of Mark’s Parkinson’s dis-ease, however, Jane may want to set up the trust in such a way that will not make Mark ineligible for Medicaid benefits.

legal mattersn n n

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Michael Giannasca and Brian Miller are attorneys with the law firm of Giannasca & Shook, PLLC. The Elder Law & Estate Planning Group of the firm handles all aspects of Elder Law including wills & probate, trusts & estates, Medicaid planning, guardianships, estate administration and litigation, and asset protection. Mr. Giannasca and Mr. Miller are members of Elder Counsel, the National Academy of Elder Law Attorneys, the Elder Law and Special Needs Section and Trusts and Estates Law Section of the New York State Bar Association and the Trusts & Estates Section and the Elder Law Committees of the West-chester County Bar Association; 1 Barker Avenue, Suite 325, White Plains, NY 10601; 914-872-6000; www.mgns-elderlaw.com

Second MarriagesBring Challenges in Estate Planning

By Michael Giannasca and Brian Miller

ow that you’ve decided to explore assisted living, it can seem like a daunting task to find the right one for you or your family member. With more than 20 communities throughout Westchester, you can kick off your search by knowing what to look for when selecting communities to visit.

The top two considerations are generally LOCATION and COST. With communities in the area fairly well spread out, there are residences in both urban and rural neighbor-hoods, and places in between. Proximity to family members and friends, social connections, medical support, transportation and interest in activities outside the community are all important considerations.

Similarly, the cost for assisted living can vary greatly; monthly living, including a base level of care, ranges from about $4,500 to more than $10,000. Each community will assess the individual care level required to ensure needs are understood and met.

Once you have narrowed down your choices and are ready to visit some communities, other things to consider include:

u CURRENT RESIDENTS Do residents look happy and con-nect with you on your tour? Are residents seated together and interacting in the dining and

other common areas, or are they alone. Speak directly with them to get their perspectives.u THE STAFF Is there active engagement between the staff and residents, or does the staff seem impersonal? Are resi-dents addressed by name?u DINING Generally, three dai-ly meals are served in the din-ing room. The room should feel comfortable, be well lit, easy to navigate, and easily accessible. Most communities will offer to host you for a meal so you can sample the food and service, and meet other residents.u OPEN SEATING SPACE Check for open spaces where you can host visitors outside of your apartment and out-side of the main dining and living rooms. The spaces also provide residents additional options to rest, read, or enjoy some quiet time.u ACTIVITIES All communities offer a full schedule of activities throughout the day: from bingo, art and music to current events, debate clubs and investment clubs. How do you enjoy spending your day?u APARTMENT SIZE Do you need a studio, one- or two-bedroom apartment? Con-sider how you will use your apartment and how much time you will actually spend there.u OTHER AMENITIES On-site doctors, therapists, beauty salons, gift shops and local transportation all provide added convenience.

For anyone concerned that Alzheimer’s or other cogni-tive issues may be a part of their individual aging, question whether the community offers that level of care.

If you are searching options for a family member or friend, look at things through their eyes. Curb appeal and apartment size may be less important than quality of meals and interesting activities. Selecting an assisted living community

is a big decision. Start by tak-ing the time to define what is important to you and which community best fits the bill.

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Patrick Saxton, a Certified Senior Advisor, is the Regional Direc-tor of Assisted Living Locators of Lower Hudson Valley. Patrick works with seniors and their fami-lies to select the right senior hous-ing choice in independent living, assisted living and memory care communities. He can be reached at 914-362-1745 or at: [email protected]

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Spending time with your grandchildren in the kitchen not only nurtures your re-lationship but can also help them develop a variety of important lifelong habits and skills: from cooking hygiene and fine motor skills to an appreciation of the work that goes into preparing a dish. And there are so many ways to make this a fun bonding experience, especially when dessert is the focus.

ingredients:6 large baking apples, cored, peeled, sliced2 tablespoons fresh lemon juice3/4 cup sugar, divided2 tablespoons chopped crystallized ginger1 teaspoon cinnamon, divided1 cup all purpose flour1/2 cup oatmeal1/2 cup light brown sugar1/4 teaspoon nutmeg8 tablespoons butter

directions:

Heat oven to 375F. Toss apples with lemon juice, 1/4 cup sugar, crystal-

lized ginger and 1/2 teaspoon cin-namon; pour into 8-9-inch baking

dish or round casserole. Mix flour, oatmeal, remaining 1/2 cup

sugar, 1/2 teaspoon cinnamon, brown sugar and nutmeg; cut

in butter forming a crumbly mixture. Cover apples with

crumb mixture. Bake 30 to 35 minutes or until

apples are tender and topping is crisp and golden. Serve with

vanilla ice cream. Optional garnish of fresh apple

slices is shown in photo. n n n

Lisa Keys is a multi-award-winning cook, a Food Network Chopped champ and blogger of www.GoodGriefCook.com. When Lisa is not blogging, cooking or competing, she can be found in her garden tending to the fresh ingredients she uses in her reci-pes or writing this column for her college roommate.

fun and food GRAND LIFE with the grandkids

OCT. 7-9, 14-16, 21-23, 28-31IRVING’S LEGEND

Master storyteller Jonathan Kruk per-forms the classic tale, featuring the Headless Horseman, Ichabod Crane, Brom Bones and Katrina Van Tassel. Performances at various times. For ages 10+. At the Old Dutch Church (parking across the street at Philips-burg Manor), 381 North Broadway, Sleepy Hollow; 914-631-8200; hud-sonvalley.org/events

in the kitchen with lisa CANDIED GINGER APPLE CRISP

NOVEMBER 25, 26, 27, 30 & DECEMBER 1-4SHERLOCK HOLMES:

ADVENTURE OF THE COPPER BEECHESAccompany Holmes and Watson on a trip to sinister Cop-per Beeches (Lyndhurst). Join the detectives and explore the carriage house and mansion room by room as you’re drawn deeper into the mystery. Lyndhurst, 635 South Broadway, Tarrytown; 914-631-4481; lyndhurst.org

THRU NOVEMBER 13WEEKENDS AT STONE BARNSOn saturdays and sundays, partici-pate in a variety of seasonal hands-on activities and drop-in tours, includ-ing Meet the Sheep, Farm Chores, Meet the Blue Hill Chef, and Story Time for the youngest visitors. Tickets sell out fast so plan ahead and dress appropriately for the weather. $20. 630 Bedford Rd, Pocantico Hills (Tar-rytown on your GPS); 914-366-6200; stonebarnscenter.org& OCTOBER 1 HARVEST FEST

Warmest congratulations to our food blogger Lisa Keys

on the birth of her first grandchild -

precious Annabelle.

ONGOING EVENTS

TUESDAYS & FRIDAYS: 8-10AM MALL WALKS

Window shop as you get and stay in shape with indoor walks. Special guest speaker first Friday each month at 9am (Food Court, Level 4). Adm. and park-ing free for members of mall walk pro-gram. Sign up at horse fountain near Crate & Barrel, Level 2, Tues and Fri mornings during program. Westchester Mall, White Plains. Info: 914-231-4645.

ONGOINGAT THE GREENMARKET

Each Wednesday at the NYBG Greenmarket, with support from MetLife, Heart Smart activities help visitors improve their cardiovascu-lar health. Cookig demonstrations, using produce from the Greenmar-ket, self-guided walking tours. NY Botanical Garden, Bronx. 718-817-8700; nybg.org/plant-talk

TUESDAYS @ DORRY’S: 6-7PM WEEKLY TABLE TALKAn evening of conversation, coordi-nated by Dorry’s friends at Memo-rial United Methodist Church, Kol Ami, Sisters of the Divine Com-passion and White Plains Exam-iner. Food ordering at 5:30pm. No reservations req. Dorry’s: 468 Ma-maroneck Ave., White Plains. 914-682-0005; Email: [email protected]

FALL FILM CLUB SERIESAT THE EMELIN

SEPT 28, OCT 19, 26, NOV 2, 9, 16

Rooftop Films returns to screen six of the best new and exciting inde-pendent films before their release. Each night members are invited to stay and join in a discussion with Film Club curator and special guests in connection with the film. Film club meets above Wednesdays at 7:30pm. $125 for series. Emelin Theatre, 153 Library Lane, Mama-roneck; 914-698-0098; emelin.org

SUNDAYS IN SEPTEMBERHARVEST FESTIVAL: 11AM-4PM Farmers market, artisans and crafters, live music, fresh food, education and historical pro-grammng. Free adm. $2 park-ing. Pets not allowed. 200 Hurd Rd., Bethel, NY; 866-781-2922; bethelwoodscenter.org

SEPTEMBER 4-25THE LANDSCAPE RAMBLE

Tour the historic grounds which reflect nearly 175 years of life on the Hudson with award-winning rose garden, the lindens for which the property was names and the specatular views. Tour starts at the Visitor Center, the brick complex at the end of the driveway where visitors can check in, pick up bottled wa-ter and a map of the grounds. Lyndhurst, 635 South Broadway, Tarrytown; $16; lyndhurst.org

SEPTEMBER 15- NOVEMBER 27 SATURDAY NIGHT FEVER

Stage version of the 1977 movie, jam packed with dance and the legendary Bee Gees music. Westchester Broad-way Theatre, One Broadway Plaza, Elmsford; $59-$84 includes dinner: 914-586-2128; broadwaytheatre.com

THRU OCTOBER 2NY RENAISSANCE FAIRE

Romp through Elizabethan England, with 16th century games, rides, arts, crafts, food, music and dance. Theme weekends: master craftsman compe-tition, knight/dame in shining armor, best knees in a kilt. Saturdays, Sun-days, Labor Day, Tuxedo Park. 845-351-5171; www.renfaire.com/ny

THRU OCTOBER 2ONSITE KATONAH

Site specific installations in re-sponse to the Museum’s land-scape, architecture and history - with its towering spruce trees and sloping greens. Katonah Museum of Art; 914-232-9555; katonah-museum.org

OPENS OCTOBER 8THE BLUE AND THE GRAY

Red Grooms records the Civil War in portraits and battle scenes on sliced logs and on wood. He also depicts Lincoln on the Hudson- the 1861 train journey to his inau-guration. Hudson River Museum Planetarium, 511 Warburton Ave., Yonkers. $4 plus museum adm. 914-963-4550; www.hrm.org

THRU OCTOBER 29JOHN JAY FARMERS MARKETIn addition to food, explore the flow-ers, herb and vegetable gardens on the Homestead. Saturdays 9am-1pm. 400 Jay St., Katonah; www.johnjayhomestead.org

OCTOBER 4-30CAMELOT

The iconic love story of King Arthur, Guinevere and Sir Lancelot with mu-sical score. Westport Country Play-house, 25 Powers Court, Westport, CT; Call for prices, subscriptions: 203-227-4177; westportplayhouse.org

OCTOBER 8-30KIKU: THE ART OF THE

JAPANESE GARDENThe chrysanthemum, the kiku in Japanese, is the most celebrated of the Japanese fall-flowering plants. View these carefully trained flow-ers in the Haupt Conservatory. NY Botanical Garden, Bronx. 718-817-8700; nybg.org

OCTOBER 14-30SCARECROW INVASION

Visit day or night and meander along a path of over 300 spe-cialty scarecrows designed by professional artists and stu-dents from the Hudson Valley. Lyndhurst, 635 South Broad-way, Tarrytown; lyndhurst.org

OCTOBER 14-30: 6-10PMHOUSE OF CURIOSITIES

The only indoor Halloween ven-ue in Westchester. Meet long dead family members as they lead you on a spooky tour of the mansion for all ages. Lyndhurst, Tarrytown; lyndhurst.org

THRU NOVEMBER 13TERRESTRIAL STUDIO

Several Oppenheim installations on view along with many others at this leading sculpture park. Storm King Art Center, 1 Muse-um Rd, New Windsor, NY; 845-534-3115; www.stormking.org

THRU NOVEMBER 19PLEASANTVILLE

FARMERS MARKETFood, music, health events. Satu-days 8:30am-1pm; Outdoors thru Nov. 19 Memorial Plaza next to the train station; www.pleasantville-farmersmarket.org

NOVEMBER 19-27THE WIZARD OF OZ

Come to the land of Oz and join Dorothy, the Scarecrow and the Tin Man as they encounter the Wicked Witch. Yorktown Stage, Yorktown Heights; $19-26; 914-962-0606; yorktownstage.org

CALENDAR fall 2016


NOVEMBER 19- JANUARY 16HOLIDAY TRAIN SHOW

A NYC winter tradtion, model trains zip through a display of 150 land-marks, each created with natural materials. 2900 Southern Blvd, Bronx. 718-817-8700; nybg.org

DAILY EVENTS

SEPTEMBER 10: 8AM-5PMAUTUMN GAMES

Day of activities and athletic challenges for people 55 plus. Sept 11 rain date. Mt. Pleasant Community Center, 125 Lozza Dr, Valhalla. 914-366-3937; phelpsevents.org

SEPTEMBER 11: 10AM-2PMBICYCLE SUNDAYS

Bronx River Parkway closed to cars from County Center in White Plains to Scarsdale Rd in Yonkers. Turn around points along the way. $7 parking at County Center lot. parks.west-chestergov.com

SEPTEMBER 11: 10AM-4PMHASTINGS FLEA

Crafts, live music, food, arti-sans, vintage furniture, hand-made jewelry, craftspeople. 131 Southside Ave. Hastings-on-Hudson; www.hastingsflea.com

SEPTEMBER 11: 2PMLIRIC OPEN HOUSE

Discover the many Fall programs offered by LIRIC- Learning in Re-tirement at Iona College and meet course presenters.(Parking avail in Iona Parking Garage) Spellman Hall, Iona College, New Rochelle; 914-633-2675; iona.edu/liric

SEPTEMBER 13: 10AM-2PMLIVABLE COMMUNITIES

AGING CONFERENCEBringing together consumers, professionals, county officials to discuss multigenerational pro-grams, affordable housing, tech-nology, transportation, along with music, movement, interac-tive activities. Free adm, onsite parking, refreshments. Mount Pleasant Community Center, 125 Lozza Drive, Valhalla. 914-813-6411. seniorcitizens.west-chestergov.com

SEPTEMBER 17: 10:30AMTHE MEDICI DYNASTY

Presentation of how the Medici family became one of the most important houses in 12th century Florence. Adv. registration $25; Westchester Italian Cultural Cen-ter, 1 Generoso Pope Place, Tuck-ahoe. 914-771-8700; wiccny.org

SEPTEMBER 18: 10AM-2PMBICYCLE SUNDAYS

Bronx River Parkway closed to cars from County Center in White Plains to Scarsdale Rd in Yonkers. Turn around points along the way. $7 parking at County Center lot. parks.westchestergov.com

SEPTEMBER 16-18: 10AM-5PMFALL CRAFTS AT LYNDHURST300 artists fill the grounds. Shop, listen to live music, tours of the mansion, make your own Shibu-mi silk scarf, play an instrument in the interactive music experi-ence, demonstrations. Gourmet specialty foods and beverages. No pets. $12 admission. 635 S. Broadway, Tarrytown. 845-331-7900; artrider.com

SEPTEMBER 18: PMDONOVAN

Fifty years after his historic debut at Carnegie Hall, Donovan comes to Peekskill- putting musical history before our eyes. The Paramount, Peekskill; 914-739-0039; $50-$80; paramounthudsonvalley.com

SEPTEMBER 20: 6:15PMFOREVER MOTOWN

Featuring the songs America grew up on like My Girl, Heard It Through the Grapevine and Ain’t Nothin’ Like the Real Thing. Westchester Broadway Theatre, One Broadway Plaza, Elmsford; $50-$84 includes din-ner: 914-586-2128; broadway-theatre.com

fall 2016 CALENDAR


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CALENDAR fall 2016

fall 2016 CALENDAR


SEPTEMBER 20: 8PMTWYLA THARP

Legendary dance, ballet, broad-way show and figure skating cho-reographer and author comes to Castle Conversations. O’Byrne Chapel at Manhattanville College, Purchase. 914-323-1277; castle-conversations.orgSEPTEMBER 23: 7:30 & 10PM

BRIAN REGANCurrently a regular on The To-night Show with Jimmy Fallon, this stand-up comic visits close to 100 cities each year, selling out. Tarrytown Music Hall, 13 Main St., Tarrytown; $58-$68; 914-631-3390; tarrytownmusichall.org

SEPTEMBER 23: 7:30PMSAY GOODNIGHT GRACIE

Alan Safier stars in this Broad-way hit play with the funniest centenarian George Burns, Ridgefield Playhouse, Ridge-field, CT; $40; 203-438-5795; ridgefieldplayhouse.org

SEPTEMBER 23: 8PMGARY SMULYAN ORGAN QUARTETBaritone saxophonist Gary Smu-lyan and group create a hard-swinging blusey romp full of en-ergy and melodic invention. Arts Westchester, 31 Mamaroneck Ave, White Plains; $25; 914-428-4220; artswestchester.org

SEPTEMBER 23-25: 12-8PMARTSFEST

Art events, activities, behind the scenes tours of artists’ studios, classic car show, Dance Fest on Saturday night, Lincoln Av-enue Festival with demos, food, music. Venues in New Rochelle and Pelham. 914-654-8356; ewrochellearts.orgSEPTEMBER 24:11AM-4PM

12TH FALL FESTIVALLive entertainment, classic car show, kid’s zone, food drive, raffle baskets. Free. The Sea-bury at Fieldhome, 2276 Cath-erine St., Cortlandt Manor. 914-739-2244; fieldhome.comSEPTEMBER 24:11AM-5PMWARTBURG FALL FESTIVALCelebrating 150 years, join in the fun and entertainment, crafts vendors. Free to attend. Wartburg Historic Campus, Mt. Vernon; wartburg.org

SEPTEMBER 24: 8PMPOP ROCK & DOO WOPP LIVEFeaturing Charlie Thomas’ Drift-ers, Shirley Alston Reeves, Larry Chance & The Earls, and more! Tarrytown Music Hall, 13 Main St., Tarrytown; $55-$75; 914-631-3390; tarrytownmusichall.org

SEPTEMBER 24: 8PMSOURCE INTERNATIONAL

AFRICAN JAZZ BANDVibrant and danceable mix of music of Guinea and Mali with a jazz inflection. Featuring Syl-vain Leroux and Abdoulaye Diabate. Arts Westchester, 31 Mamaroneck Ave, White Plains; $25; 914-428-4220; artswest-chester.org

SEPTEMBER 24: 8PMLISA LAMPANELLI LIVE

Billed as comedy’s lovable queen of mean, be prepared for raunchy humor. Palace Theatre, Stamford, CT. $50-$75; 203-325-4466; palacestamford.org

SEPTEMBER 25: 11AM-5PMWESTCHESTER COUNTY

CAR SHOWVariety of classic and collect-ible cars, street rods, motorcy-cles- restored to mint condition. Trophies awarded. $5 parking. Glen Island Park, New Rochelle. parks.westchestergov.com

SEPTEMBER 25: 7PMSWAN LAKE

BY RUSSIAN GRAND BALLETClassic story of love and decep-tion wth Tchaikovsky’s legend-ary music. The Palace Theatre, Stamford, CT; $55-$85; 203-325-4466; palacestamford.org

SEPTEMBER 27: 8:30AM-2PM17TH ANNUAL SENIOR LAW DAYFree advice and seminars from attorneys, financial planners and advisors. Free. Program of the Westchester County Dept of Senior Programs and Services. Westchester Coun-ty Center, 198 Central Ave., White Plains. 914-813-6400. westchestergov.com

SEPTEMBER 28: 8PMCOLIN MOCHRIE

& BRAD SHERWOODComedic two-man show they im-provise new material every night with audience participation. Tar-rytown Music Hall; $38-$85; 914-631-3390; tarrytownmusichall.org

SEPTEMBER 30: 6:30PMWHO INVENTED IT?

Presentation on life and work of Antonio Meucci, the over-looked original inventor of the telephone. Includes docmen-tary screening. Adv. registration $25; Westchester Italian Cul-tural Center, 1 Generoso Pope Place, Tuckahoe. 914-771-8700; wiccny.org

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CALENDAR fall 2016

SEPTEMBER 30: 8PMPETER YARROW

& NOEL PAUL STOOKEY Of Peter, Paul and Mary. Cel-ebrate 50 years with a catalog of America’s favorite folk songs. Tar-rytown Music Hall. $48-$88; 914-631-3390; tarrytownmusichall.org

OCTOBER 1WINE FESTIVAL

Showcasing NY State wines, spe-cialty foods, wine related products, live music and of course LOTS of wine. Rain or shine. No pets or children allowed. No pets. Bethel, NY; 866-781-2922;bethelwood-scenter.org

OCTOBER 1: 2PMBALLET DES AMERIQUES

Featuring works of French-American director and choreographer Carole Alexis. Tarrytown Music Hall; 914-631-3390; tarrytownmusichall.org

OCTOBER 1: 6PMITALY DATE-COOKING NIGHTCreate a restaurant quality meal with your date. Instruc-tions, techniques. Adv. registra-tion $89; Westchester Italian Cultural Center, Tuckahoe. 914-771-8700; wiccny.org

OCTOBER 1: 7:30PMJEANNE ROBERTSON

At 71, Robertson continues to deliver humorous observations about life around her. Tarrytown Music Hall; $38-$58; 914-631-3390; tarrytownmusichall.org

OCTOBER 3: 6:15PMDOO WOP NIGHT

Throwback to the 50’s and 60’s with The Belmonts, who brought us A Teenager in Love and John Kuse and The Excellents, with their smash hit Coney Island Baby. Westchester Broadway Theatre, Elmsford; $50-$84 in-cludes dinner: 914-586-2128; broadwaytheatre.com

OCTOBER 4: 6:15PMEAGLES TRIBUTE

Desert Highway channels the music of the legendary band, musically and visually. Who doesn’t know Hotel California, Desperado and Life in the Fast-lane? Westchester Broadway Theatre, Elmsford; $50-$84 in-cludes dinner: 914-586-2128; broadwaytheatre.com

OCTOBER 5: 8PMAN EVENING

WITH GRAHAM NASHHall of Fame, Grammy- win-ning singer songwriter coming to town! The tour for his new studio album This Path Tonight. Tarrytown Music Hall; 914-631-3390; tarrytownmusichall.org

OCTOBER 7: 8PMBOBBY COLLINS

Comedian known for astute observations about life and people around him. Tarrytown Music Hall; $38-$48; 914-631-3390; tarrytownmusichall.org

OCTOBER 8: 8PMCOMEDIAN VIC BITETTO

Called a cross between Rodney Dangerfield and Ralph Kramden. The Paramount, 1008 Brown St., Peekskill; 914-739-0039; $29-$39; paramounthudsonvalley.com

OCTOBER 9: 10AM-4PMHASTINGS FLEA


OCTOBER 11: 2PMHOW TO MAKE RAVIOLI

Tradtional ravioli and torelli reci-pes. Adv. registration $60; West-chester Italian Cultural Center, 1 Generoso Pope Place, Tuckahoe. 914-771-8700; wiccny.org

OTOBER 13: 7PMNATALIE GRANT & DANNY GOKEYTop-selling Christian & Gospel vocalist Grant performs. Gokey entertains with his warm souful voice. Palace Theatre, Stam-ford, CT. $25-$740; 203-325-4466; palacestamford.org

OCTOBER 13: 8PMJOAN BAEZ

Her own 75th birthday tribute concert, then a 17-city tour, and now she’s here in Westchester! More accolades and awards than we can possibly list here. $40-$100. The Capitol Theatre, Port Chester; 877-987-6487; thecapitoltheatre.com

OCTOBER 13: 7PMJACK HANNA INTO THE WILD

Hanna will introduce you to some of the most spectacular animals and share humorous stories and amazing footage from his world-wide adventures. Tarrytown Mu-sic Hall, $45-$85; 914-631-3390; tarrytownmusichall.org

OCTOBER 13: 6PMGIANNI RIVERA

YESTERDAY AND TODAYThe Golden Boy of Italian Soccer, the ex-champion presents his au-tobiography. Meet and greet the legendary Rivera. Adv. registra-tion $40; Westchester Italian Cul-tural Center, Tuckahoe. 914-771-8700; wiccny.org

OCTOBER 14 & 15: 8PMDIZZY, ELLA, MONGO, MUNK

Celebrating the centennials of these four visionary icons and il-lustrate how they influenced the evolution of jazz. Rose Theater at Lincoln Center. jazz.org

OCTOBER 17: NOON-1:30PMPLAY WITH YOUR FOOD

One-act play readings, followed by conversation with the actors and director, and catered gour-met lunch. $45. Rye Arts Center, 51 Milton Rd, Rye; 914-967-0700; ryeartscenter.orgOCTOBER 19: 10:30AM-3PM

GOLDEN HARVEST DANCEDance to the Golden Oldies, Big Bands, Salsa. Reservations re-quired for lunch and table seat-ing. Westchester County Center, White Plains. 914-813-6416. westchestergov.com

OCTOBER 20: 8PMART GARFUNKEL: IN CLOSE UPIntimate evening as he shares poetry, stories and his greatest hits. $90; Ridgefield Playhouse, Ridgefield, CT; 203-438-5795; ridgefieldplayhouse.org

OCTOBER 21: 8PMBLUEGRASS: CHRIS JONES

& THE NIGHT DRIVERSAward-winning Bluegrass band, their recordings have regularly appeared on Bluegrass Today’s weekly airplay charts. Eme-lin Theatre, 153 Library Lane, Mamaroneck; 914-698-0098; emelin.org

OCTOBER 21: 8PMTHE MOTH-

TRUE STORIES TOLD LIVE An evening of storytelling, hon-oring diversity and commonality.Tarrytown Music Hall, 914-631-3390; tarrytownmusichall.org

OCTOBER 22: 8PMSYMPHONY OF WESTCHESTER20th season opening featuring Tian Lu and soprano Sharla Nafzinger with all-Mozart program. $35. Iona Col-lege, New Rochelle. 914-654-4926; thesymphonyofwestchester.org

OCTOBER 22: 8PMYESTERDAY- BEATLES TRIBUTEPerforming the hits we grew up with. The Paramount, 1008 Brown St., Peekskill; 914-739-0039; $35-$40; paramounthudsonvalley.com

OCTOBER 29: 8PMSOUNDS OF HAVANA

Grammy Award-winning clari-netist Paquito d’Rivera joins the Music from Copland House en-semble to launch the season. Post-concert reception. Copeland House at Merestead, 455 Byram Lake Rd, Mt. Kisco; $50; 914-788-4659; coplandhouse.org

NOVEMBER 1: 11:15AM & 6:15PMGLENN MILLER ORCHESTRAStill one of the most sought after big bands of all time, they play the classic hits Moonlight Ser-enade, In the Mood and Chatta-nooga Choo Choo. Westchester Broadway Theatre, One Broad-way Plaza, Elmsford; $50-$84 includes dinner: 914-586-2128; broadwaytheatre.com

fall 2016 CALENDAR



NOVEMBER 5THE DRIFTERS: 7PM

First Aftrican American group induct-ed into the Hall of Fame, known for There Goes My Baby and Under the Boardwalk. $62; Bethel, NY; 866-781-2922; bethelwoodscenter.org

NOVEMBER 8: 2PMCALZONE di CIPOLLE

Join Chef Cathy as she shares her family recipe and learn how to make this gastronomic delicacy. Adv. registration $60; Westchester Italian Cultural Center, Tuckahoe. 914-771-8700; wiccny.org

NOVEMBER 13: 10AM-4PMHASTINGS FLEA


NOVEMBER 13: 7PMVITALY- EVENING OF WONDERSWorld class illusionist known for erasing people’s faces from their drivers license. The Para-mount, 1008 Brown St., Peek-skill; $25; 914-739-0039; para-mounthudsonvalley.com

NOVEMBER 14: NOON-1:30PMPLAY WITH YOUR FOOD

One-act play readings, followed by conversation with the actors and director, and catered gour-met lunch. $45. Rye Arts Center, 51 Milton Rd, Rye; 914-967-0700; ryeartscenter.org

NOVEMBER 14: 6:15PMBEATLEMANIA NOW

Faithful to the original music, they perform over 30 classic songs that traces their 1964 U.S. debut on The Ed Sullivan Show to the finale of Let It Be in 1970. Westchester Broadway Theatre, Elmsford; $50-$84 in-cludes dinner: 914-586-2128; broadwaytheatre.comNOVEMBER 17, 18, 19: 8PM

THE SWING ERAWith Wynton Marsalis- show-casing the timelessness of swing. Rose Theater at Lincoln Center. jazz.org

NOVEMBER 19: 4PMLA BOHEME

Amore Opera’s abridged 90-min-ute version of this opera and is a great introduction for those new to the music. Gala hors d’oeuvres receiption with the artists will

conclude the event. Adv. regis-tration $55; Italian Cultural Cen-ter;.914-771-8700; wiccny.org

NOVEMBER 20: 7PMMAVIS STAPLES & LOS LOBOS

Benefiting the Food Bank of West-chester, an evening of gospel, soul, folk, blues, rock, Latino rock. Tarrytown Music Hal; 914-631-3390; tarrytownmusichall.org

NOVEMBER 21: 6:15PMFEAST ON LAUGHS

Annual pre-Thanksgiving Com-edy Night- six popular com-ics for a night of dining and fun. Westchester Broadway Theatre, Elmsford; $50-$84 in-cludes dinner: 914-586-2128; broadwaytheatre.com

NOVEMBER 23: 8PMTHE COMPLETE LAST WALTZ

Star-studded lineup will pay trib-ute to the 40th anniversary of the concert and legendary film by

The Band. $40-$90. The Capitol Theatre, Port Chester; 877-987-6487; thecapitoltheatre.com

NOVEMBER 25: 8PMMICHAEL BOLTON

Multi-Grammy Award winning singer and songwriter, famous for “When a Man Loves a Woman” brings his Holidays & Hits show. Tarrytown Music Hal; 914-631-3390; tarrytownmusichall.org

NOVEMBER 29: 8PMDANNY MEYER

Restaurateur/ CEO of Union Square Hospitality Group (Gram-mercy Taven, Blue Smoke), James Beard Award Winner, founder of Shake Shack talks at the Castle Conversations lecture series. O’Byrne Chapel at Manhattanville College, Purchase. 914-323-1277; castleconversations.org

STARTING NOVEMBER 25CHRISTMAS TREE SALE

FUNDRAISERNorth White Plains Fire Co #1 Christmas tree fundraiser. Fri-Sat only. Until Dec 24 unless sold out. 621 No. Broadway, White Plains; call for times: 914-949-3575; free parking; [email protected].

CALENDAR fall 2016

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