larchmontfor our young learners,” kin-dergarten teacher lauren d’alesandro said. “we...

PRESOSRTED STANDARDU.S. POSTAGE

PAIDWHITE PLAINS, N.Y.PERMIT NO. 5121

COMPLIMENTARY SUBSCRIPTION!

Larchmontapril 2020 vol. 16 - issue 4

larchmontledger.com LedgerShoreline Publishing

Westchester’s Community Newspapers914-738-7869 • shorelinepub.com

Each Office is Independently Owned and Operated.

Larchmont Brokerage | 1946 Palmer Avenue| 914.834.0270 | juliabfee.com

Mimi MagarelliLicensed RE Salesperson

914.715.3511 | [email protected]

Lisa CollinsLicensed RE Salesperson

917.880.9565 | [email protected]

Please visit oneLarchMam.com

to support your local retailers.Do not hesitate to reach out to us

if we can be of assistance.It takes a village.

-Mimi Magarelli & Lisa Collins

Latimer, Walsh Address Village’s Deep Coronavirus ConcernsBY STEPHEN E. LIPKEN

Westchester County Ex-ecutive George Latimer and Mayor Lorraine Walsh spoke at the Wednesday, March 18th Larchmont Board of Trust-ees meeting, addressing resi-dents’ deep concerns regard-ing the Coronavirus/COVID-19 crisis.

“We have closed all play-grounds in Larchmont Vil-lage,” Walsh stated. “Metal and plastic surfaces cannot be properly cleaned to make them safe. The parks are still open—expend some energy, get some fresh air but don’t let your dogs off their leashes. If people can’t self-moderate, we may have to close the parks.

“Elections have been postponed by the Governor until Tuesday, April 28th. An Executive Order has closed all bars and restaurants to on-site dining, allowing only take-out and delivery. The Village cannot close hair salons and barbershops; the State must do that. We have a volunteer in our Lobby to ask visitors their business. Telephone, water bills and parking tickets can be paid online (www.villa-

geoflarchmont.org). You will need to schedule an appoint-ment to visit the Building De-partment.

“We are separating the DPW crews into three differ-ent work places for minimum contact. Larchmont residents having night parking permits can now park at the Train Station during the day, since many residents are working from home. Ed Metzendorf is creating a special portal whereby local businesses can advertise their specials to sell goods and gift cards.

Jake Lambertson of Post

Wines and Spirits is estab-lishing a similar website for liquors.”

Latimer noted that 20% of Westchester County cit-izens contracting the virus equals 200,000 people; a 2% fatality rate, 2,000 people. “Retired nurses are needed to supplement medical per-sonnel; Personal Protective Equipment (PPE) can run short, since you need a fresh mask and PPE suit for each new person treated.

“The best source for in-formation is the United Way ‘211’ Line,” Latimer concluded.

For all the latest news on Covid-19 and more visit larchmontledger.com

Police Chief John Pole-way pointed to three other sources of information: www.cdc.gov; health.ny.gov/diseas-es and westchestergov.com.

Appointments to Com-mittees/Commissions: Jay Rubin, Village Prosecutor; Jeremy Hazan proposed for Fi-nance and Budget Committee.

Acknowledging that the Coronavirus may severely im-pact the 2021 budget, Village Administrator Justin Datino announced the Public Hear-ing for the 2020-2021 Tenta-tive Budget, Monday, April 20th, at 7:30 p.m.

Larchmont Mayor Lorraine Walsh Larchmont Fire Chief John Caparelli County Executive George Latimer

SPRING HOME & GARDEN IMPROVEMENT 2020

See page 7

Mamaroneck is 2020 New York State Skiing Champions

For the first time in history, the Mamaroneck Ski Team has won the New York State Champion-ship title. They returned on Feb-ruary 26 at Ma-maroneck High School via a police and fire truck es-cort. The New York champs are seniors Cole Lovejoy, Char-lie Roseberry and Robby Lundberg (and to Coach Christine Crowley.}

Larchmont Ledger • April 2020 • • www.larchmontledger.com

McClellan

207 Wolfs Lane, Pelham, NY 10803 www.mcclellansir.com [email protected] 914-738-5150

Located on one of the most coveted streets in Pelham Manor, this 8,875 SF home sits on a very private beautifully landscaped 1.13 acre lot. 8 BRs, 6 baths, striking foyer, state of the art kitchen/ family room, “garden” room, walnut paneled library, huge upper level rec room, master wing and much more! $2,398,000

WE HAVE A WONDERFUL INVENTORY OF SOME VERY SPECIAL HOMES FOR SALE IN PELHAM – BLUE RIBBON SCHOOLS, 29 MINUTE COMMUTE TO NYC!

One of the most admired showplaces in Pelham Manor, custom built for the Wanamaker family in 1913. 6,832 SF center hall Colonial with inviting open and gracious rooms. Extremely well designed and constructed with handcrafted moldings, built-ins, French doors and 5 fireplaces. $2,185,000

This meticulously updated sun-filled 4,683 SF 1927 English Tudor has a spectacular new chef’s kitchen opening to a 20’ family room, all new stylish baths, new multi-zone HVAC and a very luxurious master suite with a custom walk in closet. Stunning rooms include a step down LR and oversized dining room. $1,748,000


YOU ARE NEVER ALONE WITH BAYSIDE TRAVEL

We understand your travel needs and willsupport you now and in the future.

914.833.888069 Pondfield Road, Bronxville, NY 10708

www.luxurytravelservice.com

Local Musicians Perform a Roots America Concert in MamaroneckSTAFF REPORT

Though we are in uncer-tain times, local performer Artie Tobia was planning to showcase his musical tal-ents at The Emelin Theatre in Mamaroneck on April 30. He would have been joined by Kevin McIntyre of Larchmont, for a Roots America concert. But, the COVID 19 virus got in the way. The Emelin has post-

poned all shows for a while. To-bia is hoping his performance will be re-scheduled for June.

Tobia of New Rochelle, has been performing as a re-gional musician in the Tri-State area for 20 years. He has played to audiences coun-try-wide, as well as locally, at such venues as the Town Cri-er in Beacon, Mohegan Sun, Daryl’s House Club in Pawling, The Tarrytown Music Hall,

The Paramount Theater in Peekskill, and The Ridgewood Playhouse. In NYC, he has per-formed at The Bitter End and Hill County BBQ, where he had a 15 year weekly residency. Most recently, he has support-ed Poco at The Emelin Theatre.

“My sound has been in-fluenced by Southern soulful rock bands,” Tobia mentions. “My roots are in Rock Amer-icana which draws from folk

rock and country. It allows me versatility. I get lumped in with the likes of Bruce Springstein and Tom Petty. I am a big All-man Brothers Band fan, too.”

Known as a Blue Jeans Rock artist, Tobia will be showcasing his new CD at the Mamaroneck Theatre, his fifth album called Driven, that is currently charting at #2 on the APD/AMA album charts.

“The Emelin is a great space and I’m hoping the local community will come out and

support Kevin McIntyre and his band, The Lawn Wranglers and me and my band,” he says. “We have a nice mix between us.”

Currently, Tobia has many different careers. His day job as a crisis manager in the Bronx Public Schools keeps him very busy. He is also the Coach of Iona Preparatory School’s award winning indoor and outdoor track and field teams. He is an alumni of Iona Prep and New Rochelle High

School.“I have maintained two

careers for a long time,” Tobia proudly comments. “You have to be believable in your role. I do lot of storytelling in my songs, using my life experi-ences.”

Artie Tobia and his band, with Kevin McIntyre and The Lawn Wranglers, will be per-forming at The Emelin The-atre, 153 Library Lane, Mama-roneck, later this year. For tickets visit emelin.org

Artie Tobia

Kevin McIntyre

Kindergartners Celebrate 100th Day of School Milestone

Daniel Warren El-ementary School kin-dergartners reached an exciting milestone in their educational jour-ney with the 100th day of school on February. 14. They celebrated by using the number 100 in a variety of ways and commemorated how much they have grown and learned since Sep-tember.

“The 100th Day of School is an exciting day for our young learners,” kin-dergarten teacher Lauren D’Alesandro said. “We cele-brate being able to count to 100 by ones and 10s, in vari-ous ways. The children took part in movement activities, counting using numerals, ob-jects, manipulatives and 10 frames.”

Throughout the day, the students made “100th Day” crowns, built with 100 blocks, LEGOs and Unifix Cubes, and created 10 frames with 100

stickers for the milestone event. In addition, the kin-dergartners – who brought in projects of 100 items they had collected – shared their cre-ative projects with their class-mates and toured the school to see what types of projects the other kindergarten classes had created. They also invited parents and family members to school and proudly pre-sented their projects to them. One child made a banner of pictures of himself from birth to age five, while another child

created a collection of 100 seashells from the beach.

Besides having fun on their 100th day of school and using their mathematics skills, D’Alesandro said the ac-tivities further support-ed the students’ social development.

“We celebrate the children’s ability to rec-ognize letters, letter sounds, high-frequency

words and reading books that are just right for them,” she said. “We look at the develop-ment of the whole child.”

In addition, with the sup-port of Principal Tara Gold-berg and the PTSA, the kinder-gartners are hosting a 100th Day Book Drive. Their goal is to collect 100 used books from each grade that are loved and ready to be shared with others. Then, the kindergartners will count these books by making stacks of 10 and counting by 10s to 100.

continued on page 14


How to Pay for College: Answers to Your Pressing Questions

Figuring out how to pay for college is like putting to-gether a puzzle and this is something I am experiencing right now since my daughter is a senior at Mamaroneck High School. At first, it can feel like all the pieces are jumbled in the box. The final picture is unclear, and it can be overwhelming to know where to start. But gradually, different pieces fit together in different combinations until the puzzle is complete. If you are thinking about how the puzzle pieces of your child’s tuition bill fit together, con-sider the following common questions and answers as a starting point.

Q: When should I start saving for my child’s educa-tion?

A: Start saving for future school expenses as soon as possible. Even modest sav-ings can add up over time due

to the power of compound interest. One of the most prevalent ways to save is via a 529 college savings plan be-cause it offers tax-advantaged growth. Contributions are made on an after-tax basis, and earnings can be with-drawn tax free to pay for tui-tion, books, room and board and other eligible expenses. Funds used for noneligible expenses are generally sub-ject to ordinary income tax and a 10 percent tax penalty.

You might also consider a prepaid tuition 529 plan, offered by a handful of state and private schools. In ex-change for committing to a participating school, fami-lies can predict and manage college costs by paying in ad-vance over time. This option isn’t right for every family, particularly if your child is unsure of which school they want to attend or what career

paths to explore. Q: Should I bother filling

out the FAFSA?A: Yes, every parent of a

college student should con-sider completing the FAFSA (Free Application for Federal Student Aid). The federal gov-ernment offers low-interest student loans regardless of income. The FAFSA should be submitted as soon as pos-sible on or after October 1 of each year for your student to request these federal funds for the next school year. Deadlines vary between the federal government, states and colleges, so check with your child’s college of choice for specific guidelines. FAFSA data is often required when applying for merit-based aid so it’s worth filling out the form even if you expect not to rely on federal student aid to pay tuition.

Houlihan Lawrence Announces Appointment of Deborah Doern as Senior Vice President of Sales

Houlihan Lawrence, the leading real estate bro-kerage serving New York City’s northern suburbs, has announced the promo-tion of two members of its executive team.

Deborah Doern, who has served as Regional Vice President, has been ap-pointed Senior Vice Pres-ident of Sales. She will be responsible for overseeing all of Houlihan Lawrence’s offices, working closely with managers, corporate team and agents. A 35-year real estate veteran, Doern joined Houlihan Lawrence in 2007 as brokerage man-ager of the Rye/Harrison brokerage. She has since managed the Chappaqua office and most recently the Larchmont office, since

2011, where the office was consistently ranked #1 un-der her leadership.

Houlihan Lawrence also announced that Zef Camaj, Manager and top-producing agent of the

Yorktown brokerage, has been promoted to Regional Manager. He will continue to serve as Manager of the Yorktown brokerage and will also serve as advisor to the company’s East Fishkill and Lagrangeville broker-ages. Camaj, who is a long-time resident of Dutchess County, has more than 22 years of real estate expe-rience. He is a member of the Hudson Gateway MLS, Hudson Gateway Associa-tion of Realtors, New York Association of Realtors and National Association of Re-altors. Camaj also serves on the Board of Managers for newly formed OneKey MLS covering all points North, South, East and West of the New York City area.

Deborah Doern


Coronavirus Message: March 19, 2020Dear Community Members,

I want to take a moment

to say that I have been hearing such amazing stories these past few days of families, stu-dents, and teachers demon-strating emotional resilience in the face of adversity. This global pandemic has caused all of us to reflect on the un-certainties of life, appreciate just a little bit more our daily routines and consider what we

can do now, today and each day moving forward, to maximize opportunities for family to-getherness, time outdoors, and other meaningful pursuits.

Teachers have been asked to teach in ways they have nev-er taught before. I am aware of the courage so many teachers in our district have demon-strated over the past week, learning new technology to communicate daily with their students and devising out-of-

the-box ways to create joy and calm among students virtually. Our remote learning program (located on our Home-School Connection page) kicked off officially yesterday. It has been extraordinary to witness the innovation and speed in which our educators have collabo-rated to tackle these unprece-dented circumstances.

That said, further testing our resilience, we have become aware that the massive world-wide demand for sharing au-dio and videos has resulted in a “Google bottleneck.” Specifi-

cally, there is a delay between teachers uploading materials and those materials being visible and accessible on the receiving end. Teachers are posting materials every day; however, the timing of when information is available to stu-dents may vary based on cir-cumstances that are out of our control. I ask that everybody remain patient and under-standing.

I conclude my outreach with you today by sharing a piece from the Washington Post you may find interest-

ing if you haven’t yet seen: A psychologist’s science-based tips for emotional resilience during the coronavirus crisis. “With care and planning, we, too, can stay psychologically strong during the pandemic and perhaps even grow from this transformative experi-ence.”

Stay safe, and stay con-nected. We are here to help in any way that we can.

Regards,Dr. Robert I. ShapsSuperintendent of Schools

Superintendent Dr. Robert I. Shaps, Ed.D.

News and Events for Larchmont Residents from the Mayor

BY MAYOR LORRAINE WALSH

We are now preparing to welcome spring – ordering our planted flower baskets nice and early so they’ll be full and gor-geous when they go up in mid-May.

We’re also preparing to welcome some new business-es to our community, like The Grange, Wave Hill Café, Seth Greenberg’s Just Desserts, Pop-In! Playspace & Café, Raymond Barclay’s Lamp Restoration and Enterprise Car Sales, welcome back Write On!, and celebrate the anniversaries of some of our most beloved Larchmont estab-lishments, Bradley’s Desserts & Café (25 years) and Encore Bis-tro Français (20 years)!

Staying on the topic of downtown, the Board of Trust-ees will be focusing on projects and initiatives to continue the improvements to our downtown. Our goal is to foster an environ-ment which supports a vibrant retail scene, helping Larchmont thrive into the future. Some of what we are working on will make immediate and tangible improvement, while some will bear fruit over the coming years. Here are some of the initiatives that have recently been passed or are in the pipeline:

• Introducing a law to re-quire all vacant commercial spaces to register and pay a Va-cancy Fee

• Passing legislation to re-quire empty store windows to be covered with frosted window film only

• Voting on legislation to clarify and broaden the Signs and Awnings law

• Amending our Property Maintenance Code to allow for enhanced enforcement

• Implementing the Park-ing Study recommendations, with some benefits being to make it easier for shoppers to find on-street parking and pro-vide revenue for improvements to the downtown.

• Considering a zoning amendment in a portion of the Palmer commercial district (see article below for details).

An upcoming project, at the Turtle Park Intersection of

Hall and Palmer Avenues, will also benefit the Palmer down-town by redirecting vehicular traffic and creating pedestrian crosswalks close to our shops, train station, and the very pop-ular Turtle Park Playground. I couldn’t be more excited to finally address what has been a long-standing problem for those who use or live near this intersection. We expect to be-gin, weather permitting, in early March. Here is an engineering plan showing the new layout.

Constitution Park is an amazing project, a public/private partnership between the Village and Friends of Larchmont Parks. About 80% of the cost has been donated. Walk on by and see the progress for yourself. This previ-ously underutilized public space is going to become Larchmont’s Village Green and promises to be a treasured community gather-ing place for years to come!


Don’t Wait Another Day To Paint

BUY ONE GET ONEBENJAMIN MOORE® COLOR SAMPLE

523906011234

Visit today and let us make sure you get the best paint and advice to get your project done right. Hurry, this exclusive o�er ends 05/31/2020.

O�er valid for one (1) free Benjamin Moore Color Sample with the purchase of one (1) Benjamin Moore Color Sample. Excludes Century. Redeemable only at participating retailers. Limit one per customer. Products may vary from store. Subject to availability. Retailer reserves the right to cancel this o�er at any time without notice. Cannot be combined with any other o�er. O�er expires 5/31/2020.2020 Benjamin Moore & Co. Benjamin Moore Century color Selection Simplified and the triangle “M” symbol are registered trademarks licensed to Benjamin Moore & col. 6/19

VILLAGE PAINT SUPPLYwww.villagepaintsupply.com

LARCHMONT2084 Boston Post RoadLarchmont, NY 10538

914-834-3300

MAMARONECK365 Mamaroneck AvenueMamaroneck, NY 10543

914-698-2494Plant a Vegetable Garden this Spring!

Spring Plants, Houseplants & All Your Gardening Needs.We offer landscape and lawn maintenance services.

We carry a lovely variety of trees, shrubs, and perennials to choose from.Come by this season and shop at the oldest existing business in New Rochelle!

975 Webster Avenue, New Rochelle, NY 10804 914-632-0151email: [email protected] www.rosehillnurseries.com

7 Steps to Prepare for a Home Remodel

SPRING HOME & GARDEN IMPROVEMENT 2020

A homeowner’s motiva-tion for taking on a remodel-ing project can vary greatly, but there’s one universal rule of thumb: home upgrades should add value, function or both. This step-by-step guide can help ensure you get the maximum return on your investment and make the most of your remodel.

Step 1: Identify Reasons for Remodeling

Deciding whether to hire a home remodeler to make simple aesthetic changes or a full remodel can be difficult. One of the best ways to decide is to figure out why you are remodeling in the first place, whether it’s to make your new house feel more like home or to update an outdated kitchen.

Step 2: Consider TimingMany variables can

impact the timing of your project, including the cli-mate and exact nature of the job. For example, founda-tion work is easier when the ground is cold during winter. Spring tends to be busy for the construction industry, so you might pay premium rates for labor and materials, but it’s also the perfect time to get a project done that you can enjoy throughout the summer. Summer months are ideal for indoor projects out of the heat. Also consider factors such as personal or

professional obligations, or even an event for which you need the project completed.

Step 3: Set Your BudgetEvery home is unique

in structure, age, quality and craftsmanship, which all impact the price of a remodel. Since no one can see through walls before demolition, the quote you re-ceive may not be 100% accurate. However, a qualified remodeling company will be forthcoming about potential challenges. Ac-count for these adjustments by planning for a 10% cushion, just in case.

Step 4: Hire the Right TeamTo help ensure you find the

right company for the job, do your research. Referrals from friends and family are one way to find a remodeler. Resources like the National Association of the Remodeling Industry provide

unbiased information that can help you find qualified, certi-fied remodelers in your area. With more than 5,000 mem-ber companies, the organiza-tion represents professional remodelers who adhere to a strict code of ethics. Many hold certifications in remodeling, kitchen and bath design and lead carpentry.

Step 5: Establish a Written Agreement

Most companies insist on a contract to protect their own interests, but if they don’t, you should. In addition to defining the scope of work and budget, a contract ensures all parties are on the same page with ex-pectations about factors like timing, liability in the event of an accident and other prac-tical matters. Contractors also often provide guarantees of workmanship, so find out what

they cover for how long and in-clude this information in your work agreement.

Step 6: Understand the Plan Keep the lines of commu-

nication open between you, the remodeling contractor and the work crew. Don’t be afraid to ask questions. Let them

know your family’s schedule and circumstances that may affect their work, such as pets. Make sure to specify the best way to reach you and how of-ten you wish to communicate about your project.

Step 7: Complete the ProjectWhen the remodel is al-

most finished, walk through the area and note any adjust-ments that need made while the contractor is still on site. You should also take another look at the contract and confirm you have signed permits, receipts, change orders, lien waivers, warranties and manufacturers’ guides at your disposal.


One Wolfs Lane · Pelham, NY 10803

914-738-5678 · meridianrisk.com 914-738-9293 · REMeridian.com

Your Perfect Home Awaits

Find and Protect It With Us

Joe Solimine, Jr. [email protected] Expertise. Better Value.

[email protected]

Protect What Matters Most

Joseph DellaripaLawn Sprinkler Systems

Professional Lawn Irrigation Services

Certified Irrigation Contractor

Design

Installation

Service

738-7118“Serving our community for over 25 years”

Energy-Efficient Ideas to Upgrade Your HomeEnergy bills are likely

among the largest expenses for homeowners, but you can take action to lower those costs. During a remodel, a cer-tified contractor can help you make smart decisions when it comes to selecting appliances, windows and insulation for your projects.

Though upgrades made with efficiency in mind can vary depending on the climate you live in, the biggest energy users are typically the heating, ventilation and air-condition-

ing systems and water heater, all of which make up about 60% of a typical home’s energy budget.

Learn how you can re-duce your home’s energy re-liance and environmental impact with these tips from the experts at the National As-sociation of the Remodeling Industry:

Heating and Cooling Climate control is one of

the largest home energy users. A programmable thermostat is

a simple starting point and can save up to one-third of heating and cooling costs. Cutting-edge models can even learn your family’s behaviors and tweak usage for maximum savings. Additional ways to save ener-gy include sealing leaky ducts, cleaning or changing air filters regularly and replacing your furnace or air conditioner with an energy-efficient mod-el, particularly if your heating and cooling systems are more than 15 years old.

InsulationStudies show that

only 20% of homes built before 1980 were well-insulated. Depend-ing on when your home was built, adding insu-lation in the attic and walls can be one of the fastest and most cost-ef-fective ways to reduce energy waste. Not only does better insulation reduce energy loss and improve comfort, it’s an upgrade that generally

adds to the value of your home with an estimated 95% return on your investment.Windows

High-performance win-dows not only lower heating and cooling bills, they also re-duce heat gain during warmer months and add a layer of insu-lation when you need to keep the heat inside. Triple-pane, Low-E insulated frame win-dows can save 33% of the heat-ing cost for a typical home in cooler climates, and in hotter environments, double-pane, low solar-gain windows can reduce cooling costs by up to 32%.

LightingThe average house dedi-

cates 5-10% of its energy bud-get to lighting. To cut your use, switch to LED lights, turn off unneeded lights and, where possible, use natural light. Other measures, like relying on task lights and installing motion detectors, can help fur-ther limit your lighting-related energy usage.

AppliancesThe refrigerator is a ma-

jor energy drain, accounting for up to 15% of the energy bill in some homes, particularly models that are 15 years old or older. Design plays a major role in a refrigerator’s effi-ciency; it needs adequate air flow for optimal function. Be realistic about your needs and only buy as big a unit as you re-quire. Be aware that icemakers and dispensers not only add to the up-front cost, they’re also less efficient. As with any ap-pliance, shop for a model that offers as many energy-saving features as you can afford.

LandscapingTrees positioned to reduce

summer sun and winter wind can reduce a household’s energy use by 25% or more. In summer, trees can lower air temperature as much as 9 F through shading and evapotranspiration. In win-ter, a well-designed landscape can cut heating bills by about one-third.


ALLSTATE HOME REMODELING & GENERAL CONSTRUCTION LLCFor all your home remodeling needs & reliable services! WE DO IT ALL!

KITCHENS • BATHROOMS • COUNTERTOP - ALL TYPES • BACKSPLASHES • ALL HARDWOOD FLOORINGALL TILE & STONE WORK • PLASTERING & PAINTING • PLUMBING • ELECTRIC • WELDING • ALL CARPENTRY

LICENSED LED REMOVAL • WINDOWS • FINISHED BASEMENT • ALL SERVICE FOR DRAIN

FREE ESTIMATES - CALL FOR 10% DISCOUNT FULLY LICENSED & INSUREDSERVING WESTCHESTER COUNTY AND NYC AREACOMMERCIAL & RESIDENTIAL

allstatehomeremodeling.comallstatehomeremodeling@hotmail.com1-800-615-9334

New Colors Are In BloomFREEBENJAMIN MOORE® COLOR SAMPLEVisit today and let us make sure you get the best paint and advice to get your project done right. Hurry, this exclusive offer ends 5/15/20.

Offer valid for one (1) free Benjamin Moore® Color Sample. No purchase necessary. Redeemable only at participating retailers. Limit one per customer. Products may vary from store to store. Subject to availability. Retailer reserves the right to cancel this offer at any time without notice. Cannot be combined with any other offers. Offer expires 5/15/20.

©2019 Benjamin Moore & Co. Benjamin Moore, Color Selection Simplified, Paint like no other, and the triangle “M” symbo are registered trademarks licensed to Benjamin Moore & Co.

914.835.083059 PURDY STREETHARRISON, NY 10528 www.harrisonpaintsupply.com

Mon-Fri 7:30am-5pm � Sat 7:30am-2:30pm � Sunday Closed

Harrison Paint Supplyand Household Hardware


HOMEOWNERS‒SENERCHIA‒BOSCO INC.

Electrical ContractorsResidential & Commercial

FREE ESTIMATES

Over 50 Years of Reliable Family Service

• 220 Volt Changeovers• Computer Circuits• Attic Fans• Landscape Lighting• Kitchen Modernization• Telephone Wiring

• Air Conditioning & Heating• Lighting Specialist• Violations Removed• Recessed Lighting• Electric Repairs• Security Cameras

Member of Westchester County Licensed Electrical Contractors Assoc.Licensed & Insured • Serving Westchester & N.Y.C.

914-738-2807 914-668-0961 Fax# 914-738-2862 67 Lincoln Ave., Pelham, NY

S SAND

CONTRACTOR

Masonry and Drainage Work

Patios &

Steps

Driveways& WallsStucco

& Stone

Waterproofing

Call Jim Sicuranza126 First Avenue, Pelham

738-4359 • Cell 424-0214

Service You Can Stand On

Family Owned & Operated Flooring Experts for 60+ Years5 SMITH STREET, RYE, NY 10580

914-967-5188 [email protected] carpet_trends1956

Plant Those VeggiesTo get started, here are 10 steps recommend-

ed by the National Gardening Association.1. Choose the right location. Choose a loca-

tion for the garden that has plenty of sun, ample space and close proximity to your hose or water source. Find a level area to help prevent erosion.

2. Select your veggies. Decide what produce to include based on your climate, space, tastes and level of expertise. Newcomers may want to consid-er some of the easier crops to grow, like carrots, beans, cucumbers, peppers and lettuce.

3. Prepare the soil. Mix compost and natu-ral fertilizers into your garden to condition the soil for your plants. Garden-supply stores can test the acidity of your soil and recommend supplements, or you can simply purchase specially made soil in bulk.

4. Check planting dates. Growing condi-tions and ripening cycles are different depending on the plant and the season, so you should not sow all the seeds at the same time. Planting dates can be found on seed packets. Review the ideal condi-tions for each veggie you want to plant before cre-ating a gardening schedule.

5. Plant the seeds. Place your seeds or plants into the soil, following the depth and spacing di-rections carefully.

6. Add water. Gently spray the garden with water to keep the soil evenly moist throughout the growing season. Purchase a spray nozzle for your hose so you can create a gentle rain-like mist for your garden.

7. Keep the weeds out. Mulching is the most effective way to prevent weeds. Add a 2- to 4-inch-thick layer of organic mulch to your garden to keep the weeds from overtaking your crops. If weeds do appear in the garden, grab them low on their stems and yank sharply, making sure to extract the entire root.

8. Give your plants room to grow. Check the spacing guide on the seed packets and be sure to remove crowded seedlings right away.

9. Fertilize as needed. Lightly till the soil by hand and add fertilizer to keep it rich. You can purchase prepared garden fertilizer or make your own from items like Epsom salt, eggshells, fish tank water and kitchen compost.

10. Reap what you sow. Harvest vegetables when they’re young and tender—but only pick them when you plan to use them. Pull root crops as soon as they reach edible size. Collect leaf crops by cutting them to within 2 inches of the ground. Finally, enjoy your harvest!

Live the Celebrated St. Regis Lifestyle in Westchester

The St. Regis Residences, Rye are not owned, developed or sold by Marriott International, Inc. or its affiliates (“Marriott”). OPRA III, LLC uses the St. Regis marks under a license from Marriott, which has not confirmed the accuracy of any of the statements or representations made herein. All of the services, amenities, benefits and discounts made available to residential owners at The St. Regis Residences, Rye are as currently scheduled and are subject to change, replacement, modification or discontinuance. Fees may apply. The complete offering terms are in an Offering Plan available from Sponsor File No. CD18-0365. Additional details are available in the Offering Plan. All artist renderings are for illustrative purposes only and are subject to change without notification.

On-Site Condominium Sales Gallery Open DailyTo arrange your private appointment, please visit srresidencesrye.com or call +1 914 305 1882

Occupancy 2020

PER LOCAL ZONING REGULATIONS, ONE RESIDENT PER CONDOMINIUM MUST BE AT LEAST 55 YEARS OF AGE, AND NO RESIDENT MAY BE UNDER THE AGE OF 18.

1 2 0 O L D P O S T R O A D , R Y E , N Y

L I V I N G R O O M

Financing by

The St. Regis Residences, Rye presents 25,000 square feet of modern amenities, coupled with uncompromising and bespoke services that only St. Regis can offer. Embrace the opportunity to own this unprecedented lifestyle today.


All events are subject to change. Please check the Venue for additional information.

OngoingThe Larchmont Historical Society, an independent, non profit group, is looking for new members. To purchase or re-new membership, go to Larch-montHistory.org /product/memberships.

The Mamaroneck Artists Guild, 126 Larchmont Avenue, Larchmont, will host the 16th annual Open Juried Small Works Show May 7-30, with a reception on May 16 from 3-5pm. Call 834-1117 to learn more.

The Mamaroneck Public Li-brary, 136 Prospect Avenue, will host a Learn to Code pro-gram from April 13 to May 11 from 4-5:30pm. Register at 630-5875.A free SAT or ACT practice exam will be given at The Mamaroneck Teen Li-brary on May 2 at 10:15am giv-en by C2 Center. Register in advance to 630-5875.

The Harrison Public Library, 2 Bruce Avenue, will hold the fol-lowing: April 11 at 2pm, Nanette Garcia will lead a Drum Circle; April 13 at 7pm, Tina Zaccardi, winner of The Great American Baking Show will teach how to make scones; April 25 at 2pm, Greenery Creations will lead a workshop on Horticultural Therapy; April 29 at 7pm, the library will spend an evening with The Harrison Police. Many events will be featured for the One Book-One Com-munity read on the book Ask Again, Yes by Mary Beth Keane. She will be featured on April 26 at 2pm.Call 835-0324 or visit harrisonpl.org for a full list of programs.

AprilApril 19At 2pm, The How Green Larchmont Speaker Series will be hosted by Larchmont Temple, 75 Larchmont Avenue, featuring Elizabeth Kolbert, Adam Kaye and Rabbi Leora J. Frankel. For questions contact [email protected]

April 24The League of Women Voters of Larchmont/ Mamaroneck, will host their annual luncheon at noon, with guest speaker, Kate Snow of NBC News, at Orienta Beach Club, 1054 Walton Ave-nue, Mamaroneck. To attend visit lwvlm.org

April 26On April 26, at 2pm, The Har-rison Public Library, 2 Bruce Avenue, Harrison, will feature Mary Beth Keene, author of Ask Again, Yes, in conversa-tion with local author Karen Dukess, about Keene's inspi-ration for the book. A Q and A session and book signing will follow. Register to 835-0324

April 28Larchmont Village Elections

April 30From 9:30 am to 2:30pm, The Salute to Seniors will take place at Westchester County Center, White Plains. For more information call 813-6300.

Calendar of Events

I have been making my usual culinary rounds from the start of the Coronavirus Covid-19 outbreak. I actually live on the cusp of the Con-tainment Zone set up in New Rochelle. So, we are under the microscope here. This is how I see the food & dining scene at this writing…

Take-Out & Delivery Services During the Coronavirus Crises!

During this crisis, the restaurant business in the tri-state area has been whittled down to take-out & delivery during prescribed hours. For most, to 8 p.m. Many establish-ments offer in-house delivery and curbside pick-up. Some have chosen to completely shut down. It is a very diffi-

cult time for the restaurant community. If you miss a meal from your favorite eatery, you should call ahead directly, just to make sure they are still of-fering the service. Also, many restaurants subscribe to larger on-line delivery services you can check into in your area.

Uber Eats: uber.comGrub Hub: grubhub.comDoor Dash: doordash.comSeamless: seamless.com

Locally, here are a few suggestions for every pal-ate. Most will serve to 8 p.m. as mandated. And do call ahead. (Information subject to change.)

Trattoria Vivolo, 301 Halstead Ave., Harrison 914-835-6199

Take-out menu avail-able for pick-up at lunch & dinner. Delivery, dinner only. Chef-owner and personable host Dean Vivolo serves his robust regional Italian cuisine out of a vintage diner. Surpris-ing contemporary and tradi-tional flavors emanate from his kitchen. Cocktails. Open 7 days. Free parking. www.trat-toriavivolo.com

Cantina Taco & Tequila, 166 Mamaroneck Ave., White Plains, 914-461-3959

Take-out menu and cock-tails available for pick-up start-ing at 3 p.m., from noon week-ends. John Solo and his team opened Cantina last March. It has a bright aqua pastel façade. Tempting south-of-the-border specialties. The restaurant is open 7 days a week. www.can-tinany.com

Minis Latin Fusion, 237 Main St., New Rochelle 914-355-5609

Special take-out for pick-up and delivery menu avail-able Tuesday thru Sunday. Drinks, too. Owner Nicole Pir-raglia-Piparo serves colorful, flavorful contemporary Latin specialties. Open Tuesday thru Sunday. Free parking. www.minislatinfusion.com

(Morris Gut is a restau-rant marketing consultant and former restaurant trade maga-zine editor. He has been track-ing the food and dining scene in greater Westchester for 30 years. He may be reached at: 914-235-6591. Email: [email protected])

Governor Cuomo Issues Guidance on Essential Services Under the 'New York State on Pause' Executive Order

On March 20, Governor Andrew M. Cuomo announced the "New York State on PAUSE" executive order, a 10-point pol-icy to assure uniform safety for everyone. It includes a new directive that all non-essential businesses statewide closed in-office personnel functions effective at 8PM on Sunday, March 22. Guidance on essen-tial services under the executive order is as follows:

ESSENTIAL BUSINESSES OR ENTITIES, including any for profit or non-profit, regardless of the nature of the service, the function they perform, or its corporate or entity structure, are not subject to the in-person restriction. (Essential Business-es must continue to comply with the guidance and directives for maintaining a clean and safe work environment issued by the Department of Health).

This guidance was issued by the New York State Depart-ment of Economic Development d/b/a Empire State Develop-ment and applies to each busi-ness location individually and is intended to assist businesses in determining whether they are an essential business and steps to request such designation. With respect to business or entities that operate or provide both essential and non-essential services, supplies or support, only those lines and/or business operations that are necessary to support the essential services, supplies, or support are exempt from the restrictions.

For purposes of Executive Order 202.6, "Essential Busi-ness," means: 1. Essential Health Care Operations, Including: • research and laboratory ser-

vices • hospitals • walk-in-care health facilities • emergency veterinary and

livestock services • elder care • medical wholesale and distri-

bution • home health care workers or

aides for the elderly • doctor and emergency dental • nursing homes, or residential

health care facilities or con-gregate care facilities

• medical supplies and equip-ment manufacturers and

providers 2. Essential Infrastructure, Including: • utilities including power gen-

eration, fuel supply and trans-mission

• public water and wastewater • telecommunications and data

centers • airports/airlines • transportation infrastructure

such as bus, rail, or for-hire vehicles, garages

• hotels, and places of accom-modation

3. Essential Manufacturing, Including: • food processing, manufactur-

ing agents, including all foods and beverages

• chemicals • medical equipment/instru-

ments • pharmaceuticals • sanitary products • telecommunications • microelectronics/semi-con-

ductor • agriculture/farms • household paper products 4. Essential Retail, Including: • grocery stores including all

food and beverage stores • pharmacies • convenience stores • farmer's markets • gas stations • restaurants/bars (but only for

take-out/delivery) • hardware and building mate-

rial stores 5. Essential Services, Includ-ing: • trash and recycling collection,

processing and disposal • mail and shipping services • laundromats • building cleaning and mainte-

nance • child care services • auto repair • warehouse/distribution and

fulfillment • funeral homes, crematoriums

and cemeteries • storage for essential business-

es • animal shelters 6. News Media 7. Financial Institutions, Including: • banks • insurance • payroll • accounting • services related to financial

markets

8. Providers of Basic Ne-cessities to Economically Disadvantaged Populations, Including: • homeless shelters and con-

gregate care facilities • food banks • human services providers

whose function includes the direct care of patients in state-licensed or funded vol-untary programs; the care, protection, custody and over-sight of individuals both in the community and in state-li-censed residential facilities; those operating community shelters and other critical hu-man services agencies provid-ing direct care or support

9. Construction, Including: • skilled trades such as electri-

cians, plumbers • other related construction

firms and professionals for essential infrastructure or for emergency repair and safety purposes

10. Defense • defense and national securi-

ty-related operations support-ing the U.S. Government or a contractor to the US govern-ment

11. Essential Services Neces-sary to Maintain the Safety, Sanitation and Essential Operations of Residences or Other Essential Businesses, Including: • law enforcement • fire prevention and response • building code enforcement • security • emergency management and

response • building cleaners or janitors • general maintenance wheth-

er employed by the entity di-rectly or a vendor

• automotive repair • disinfection 12. Vendors that Provide Essential Services or Prod-ucts, Including Logistics and Technology Support, Child Care and Services: • logistics • technology support for online

services • child care programs and ser-

vices • government owned or leased

buildings • essential government ser-

vices continued on page 13

Let us handle the creative side of your business.

Website design, logos, brochures, mailers, annual reports, flyers, business cards, signage, event materials and more...

Call 914-738-7869 or email [email protected] complete details.


7 newspapers over 100,000 readers -- 1 price, prepaid $141.00 for 4 lines. Ad runs in 7 papers for 1 month. Make check payable to: Shoreline Publishing, Inc., 629 Fifth Avenue, Suite 213, Pelham, NY 10803

Classified AdsEdward Shapiro, President and [email protected]

Helene Pollack, [email protected]

Cynthia Pena, Art [email protected]

Mary DeYoung, Account [email protected]

Lauren Levine, Account [email protected] Harrison Herald is published monthly by Shoreline Publishing, Inc., 629 Fifth Avenue, Suite 213, Pelham, NY 10803. 914-738-7869. The entire contents of the Harrison Herald is copyrighted. No portion may be repro-duced without written permission of the publisher. The views, opinions and content of this publication does not necessarily reflect that of the staff of Shoreline Publishing.

www.shorelinepub.com

Larchmont Ledgerwww.larchmontledger.com

Harrison Heraldwww.harrisonherald.com

New Rochelle Reviewwww.newrochellereview.com

The Pelham Postwww.thepelhampost.com

The Bronxville Bulletinwww.thebronxvillebulletin.com

Westchester Jewish Lifewww.westchesterjewishlife.com

Shoreline Publishing accepts the submission of articles, events and items of interest no more than 500 words with .jpg photos for inclusion in Shore-line newspapers and websites. Email to: [email protected] or Shoreline Publishing, 629 Fifth Avenue, Suite 213, Pelham, NY 10803. Shoreline Publishing reserves the right to edit or omit any submissions.

LarchmontLedger

Shoreline PublishingWestchester’s Community Newspapers

914-738-7869 • shorelinepub.com

BUSINESS CARDS$87. per issue. Prepaid only. Just mail us your Business Card and Full Payment and we’ll take care of the rest. Mail to: Shoreline Publishing, 629 Fifth Ave., Suite 213, Pelham, N.Y. 10803

ANTIQUES • ART • COLLECTIBLESMost cash paid for paintings, antiques, furniture, silver, sculpture, jewelry, books, cameras, records, instruments, coins, watches, gold, comics, sports cards, etc. Please call Aaron at 914-235-0302.

LITERACY SPECIALISTReading, Readiness, Learning to Read, & Reading Intervention, Ages 4-12. 1x/wk = $45/hr., 2x/wk = $40/hr. Email [email protected] or call 914-960-0589.

BOOK FOR SALEThe Tragedy of the Greek Jews in WWII: The Greek Jewish Resistance in WWII. Each Book: $18.00; 2 for $30.00. Free Delivery. Tilemachos Pateris, 301 Drew Street, Baltimore, MD 21224-2715. 215-796-5030.

Turning Lemon into LemonadeBY BERNARD A. KROOKS, CERTIFIED ELDER LAW

ATTORNEY

While the outbreak of the Co-rona virus has presented many chal-lenges for all of us, both personally and professionally, we thought we would try to find some good in all this chaos.

The recent pandemic concern-ing the Corona virus reminds us how important it is to be prepared. After all, while many of us think we might have some control over the future, the reality is that this is just an illusion of control. Whatever is going to happen is going to happen, whether you like it or not. However, one thing you do have control over is whether you plan for the future. Advance planning not only applies to having enough food in your pantry and hand sanitizer available, it also applies to your estate planning.

While many of us feel immor-

tal and put off doing our estate plan-ning, recent events have highlighted the fact you may not have as much time as you think to get your affairs in order. While you may not be quar-antined on a cruise ship, in a hotel or at home; the reality is that you are likely to become incapacitated before you die and planning in advance can make things much easier for your family. If something were to happen to you, are your affairs set up to run smoothly?

If you have done your estate planning already, the most import-ant documents to review are your ad-vance health care and financial direc-tives, such as health care proxy and durable power of attorney. These documents will allow others to step in for you if you are unable to make your own decisions. The health care proxy allows someone to make med-ical decisions for you if you are inca-pacitated. It is important to note that

even though you have signed a health care proxy, you still retain the right to make your own medical decisions for as long as you are able. The health care proxy is often accompanied by a living will. A living will is a written expression of your wishes and de-sires in the event you are terminally ill or in a persistent vegetative state. Do you want to receive treatment that may prolong your life even if there is no quality of life? Or, do you want to receive palliative care during this time even if your life may end sooner than if you had received more traditional curative care designed to cure you instead of reducing pain? Palliative care often refers to care that will improve your quality of life while minimizing pain and discom-fort. If you don’t discuss these issues with your health care agent, it often results in placing a great amount of stress and anxiety on your loved ones as they struggle with these difficult

issues without the benefit of know-ing your wishes.

The durable power of attorney will allow someone to step in for you to make financial decisions for you. Unlike the health care proxy, the durable power of attorney can take effect once you become incapacitat-ed or it can take effect immediately upon signing by the principal and agent. Without proper financial management, bills may not be paid timely and assets may not be man-aged properly, among other things. Be careful with the power of attorney as this document has become ex-tremely complex over the past sever-al years. We often meet with clients who have attempted to complete this document on their own without the benefit of an estate planning or elder law attorney and it is not uncommon

for us to find a number of errors. Fortunately, if the client comes to us before they lose capacity, we can fix the problem. However, sometimes a family member contacts us, and it is already too late since the person is already incapacitated and the power of attorney can no longer be fixed. The family is now confronted with the unpleasant choice of having to pursue a guardianship for their loved one. A guardianship proceed-ing involves going to court and is a time-consuming process which can cost thousands of dollars.

In summary, there’s never a bad time to review and revisit your estate planning, but a world-wide medical scare is a particularly good reason to do it. So, if there’s a silver lining to the Corona virus crisis, per-haps it will motivate more people to

review their estate plans. If it does, then perhaps we have made lemon-ade out of a lemon!

Bernard A. Krooks, Esq., is a founding partner of Littman Krooks LLP and has been honored as one of the “Best Lawyers” in America for each

of the last seven years. He is past Presi-dent of the National Academy of Elder Law Attorneys (NAELA) and past President of the New York Chapter of NAELA. Mr. Krooks has also served as chair of the Elder Law Section of the New York State Bar Association. He has been selected as a “New York Super Lawyer” since 2006. Mr. Krooks may be reached at (914-684-2100) or by visiting the firm’s website at www.elderlawnewyork.com.

If the function of your business is not listed above, but you believe that it is essential or it is an entity providing essential services or functions, you may request designation as an essen-tial business.

Houses of worship are not ordered closed however it is strongly recommended no con-gregate services be held and so-cial distance maintained.

Businesses and entities that provide other essential ser-vices must implement rules that help facilitate social distancing of at least six feet.

Requests by businesses to be designated an essential func-tion as described above, should only be made if they are NOT covered by the guidance.

To request designation as an essential business, please

click here. Restrictions on re-questing designation as an es-sential business: • Any business that only has a

single occupant/employee (i.e. gas station) has been deemed exempt and need not submit a request to be designated as an essential business.

• Businesses were ordered to close on Monday, March 15, 2020 under the restrictions on any gathering with 50 or more participants, including but not limited to, bars, restau-rants, gyms, movie theaters, casinos, auditoriums, con-certs, conferences, worship services, sporting events, and physical fitness centers, are presumed to be compliant with NYS issued restrictions and must remain closed and are not eligible for designation

as an essential business for purposes of this guidance.

For Guidance on cleaning and disinfection of facilities, refer to the NYS Dept. of Health Interim Guidance for Cleaning and Disinfection of Public and Private Facilities for COVID -19 at: health.ny.gov/diseases/com-municable/coronavirus/docs/cleaning_guidance _gener-al_building.pdf.

For further information: NYS Dept of Health's COVID-19 Webpage coronavirus.health.ny.gov/home

Center for Disease Control and Prevention Webpage: cdc.gov/coronavirus/2019-ncov/

Local health department contact information can be found at: health.ny.gov/contact/contact_information/index.htm

Governor Cuomo Issues Guidance on Essential Services continued from page 12


USGA Members Volunteer for Feeding Westchester and Display U.S. Open Trophy

BY STEPHEN E. LIPKEN

In line with the coming U.S. Open at Winged Foot Golf Club, Mamaroneck, June 15-21, twenty-seven United States Golf Association (USGA) volunteers converged on Feeding West-chester (FW) headquarters, 600 Clearview Drive, Elmsford on Wednesday, March 4th prepar-ing food for shipment to County soup kitchens, pantries, schools, day care centers and needy West-

chester families.Besides volunteering to ship

food for community distribution, the USGA displayed their U.S. Open Trophy.

“U.S. Open travels to loca-tions throughout the country on a yearly basis,” Jeff Altstadter, USGA Director of Open Champi-onship Communications stated. “As a member of the community

for a full year it is part of our goal to be good neighbors and friends to the community that has been so helpful to us. This is an oppor-tunity for the USGA to give back to the folks in the community that has been so good to us.”

“Feeding Westchester was founded in 1988, starting out in Hawthorne with a man in a van,” Judy Campisi, FW Senior

Director of Development added. “Last year we delivered over 10 million pounds of food through our network and direct distri-bution programs. We used to be the Food Bank for Westchester and re-branded…to better reflect what we do.

“When we say food bank, we think of soup kitchens, food pan-tries, brick-and-mortar agencies.

We really are a resource for those organizations, delivering food through 300 agency part-ners and programs.”

According to www.usgol-fandcourse.com, the first U.S. Open Trophy was awarded in 1895 at Newport Country Club, Rhode Island, won by Horace Rawlins from Britain; first American re-ceiving the award was 19-year-old

John McDermott in 1911. In 1946 the original trophy

was destroyed in a fire while on dis-play at the Tam O’Shanter Country Club near Chicago. In 1986 the U.S. Open Trophy was ‘retired’ and is currently housed permanently at the USGA Museum and Arnold Palmer Center for Golf History in Far Hills, NJ. It is brought out for promotional events and displayed at the U.S. Open.

Winners get possession of the trophy for a year.

Q: How is your Expected Family Contribution (EFC) calculated?

A: A key component of the FAFSA is the EFC, which is a number that is used to de-termine your student’s eligi-bility for federal student aid. The FAFSA considers a vari-ety of assets in its calculation:

• For parents, this in-cludes your paycheck, money in college savings plans, and other savings and invest-ments. It does not include home equity in your primary residence, but it does include equity in other property. Re-tirement savings are not con-sidered.

• For students, the EFC includes assets they own

or assets they are the bene-ficiary of (such as money in a custodial account, like a Uniform Gifts to Minors Act account). Your student’s as-sets are weighed more heavi-ly than your own, so you may want to avoid making large gifts of cash to him or her that might adversely affect the calculation.

A financial advisor can help you estimate your EFC and explore ways to minimize assets when it makes sense to do so.

Q: What kind of financial help can we expect?

A: High-net-worth fami-lies generally are not eligible for need-based aid, but there are other ways to receive fi-

nancial help. Students with good grades and test scores may be eligible to receive merit-based scholarships or consideration for on-cam-pus jobs. High performers in niche areas (athletics, music, theater, math, etc.) also may also be able to earn scholar-ships, regardless of income. State schools offer tuition breaks to residents. Most colleges also offer tuition in-stallment plans, which may allow you to make payments throughout each semester rather than all at once.

Q: Is it unwise for our child to take on debt to pay for college?

A: It’s not uncommon for students to foot part of the

tuition bill for several rea-sons. Perhaps you want your child to have a financial stake in paying for his or her edu-cation. Or, maybe your child wants to attend a college with a price above what you agree to pay. (This is often true for parents with multiple chil-dren attending college.)

However, the most com-mon reality is that many parents are unable to save enough to cover the full cost of education. While it’s an admirable goal to want to help your child avoid student debt, it’s important to pri-oritize saving for your own retirement. At the end of the day, your child has decades of future earning potential

and the possibility to take on loans to cover tuition. You simply do not have the same options to pay for your retire-ment.

Once you determine what you’re willing and able to pay, have a conversation with your child to help set expectations. Your child’s choice of college and future earning potential will influ-ence how much debt is man-ageable after graduation, so you may want to discuss these factors in more detail. Keep in mind that some fields of employment (teaching and health care, for example) may offer student loan forgive-ness or assistance programs. And congratulations, making

it to the finish line of high school and the starting line of the college experience is something my daughter and I are going to celebrate.

Ziyah Esbenshade, CFP®, CRPC®, APMA®, is a Financial Advisor and Se-nior Vice President of Pell Wealth Partners, a private wealth advisory practice of Ameriprise Financial Ser-vices, Inc. in Rye Brook, NY. She specializes in fee-based financial planning and asset management strategies and has been in practice for 23 years. To contact her, vis-it pellwealthpartners.com, call 914-253-8800 or visit us at 800 Westchester Avenue, Suite 300 in Rye Brook, NY.

How to Pay for College: Answers to Your Pressing Questionscontinued from page 4


CONGRATULATIONS TO OUR ANNUAL AWARD WINNERS!Recognized out of 45,000 Sales Executives in our International Network

CHAIRMAN'SCIRCLEDIAMONDTOP 1/2% OF 1%

Iris KaltLarchmont

Matthew ValvanoLarchmont

CHAIRMAN'SCIRCLE GOLDTOP 2%

PRESIDENT'S CIRCLE TOP 5%

Julie AlcéeScarsdale

Mindy GersteinScarsdale

Sheri WolfeScarsdale

Margaret PiscoLarchmont

Shelley GrafsteinScarsdale

LEADING EDGE TOP 8%

Diana SingerScarsdale

HONOR SOCIETY TOP 14%

Denise BredaLarchmont

Natasa IveticLarchmont

Alvaro BritoLarchmont

Robert BrissetteLarchmont

Leslie CrundenScarsdale

Jocelyn “Joy” DillonLarchmont

Pamela HeldmanScarsdale

Allan StyerLarchmont

Sherry MendelsonScarsdale

Colleen StyerLarchmont

Andrea MarkowitzScarsdale

Elyse PaceScarsdale

Search all homes for sale at bhhsWestchester.com

Scarsdale | 4 Chase Road | 914.723.5225

Larchmont | 140 Chatsworth Avenue | 914.834.7777

©2020 An independently operated member of BHH Affiliates. Equal Housing Opportunity.

Andersen® is the most trusted and recommended brand of windows and patio doors among homeowners* *2018 Homeowner Brand Study of Andersen and Renewal by Andersen brands vs. competitive brands The complete offering terms are in an offering plan available from Sponsor. File No. CD19-0194. Equal Housing Opportunity. The artist representations and interior decorations, finishes, appliances and furnishings are provided for illustrative purposes only. Sponsor makes no representations or warranties except as may be set forth in the Offering Plan. All dimensions are approximate and subject to normal construction variances and tolerances. Property Address: 22-42 Locust Avenue, Rye, New York 10580 Owner: Downtown Locust Properties, LLC 46 Locust Avenue, Rye, New York 10580.

APRIL SAXE | MAY BURKELOCUSTRYE.COM914.882.3279

LIFESTYLE • LUXURY • LOCATION

EIGHT BOUTIQUE CONDOMINIUM RESIDENCES IN DOWNTOWN RYE

3 BEDROOMS 3.5 BATHROOMS

STARTING FROM

$2,483,800All images are artists renderings.

''Andersen" and all other marks where denoted are trademarks of Andersen Corporation. ©2019 Andersen Corporation. All rights reserved.

larchmontfor our young learners,” kin-dergarten teacher lauren d’alesandro said. “we...

Documents