Gary Goldberg Financial Services Money Management for Real People

GARY GOLDBERG FINANCIAL SERVICES MONEY MANAGEMENT FOR REAL PEOPLE

www.ggfs.com • 800-433-0323 • 75 Montebello Road, Suffern, NY 10901

ABOUT GARY GOLDBERG FINANCIAL SERVICES Founded in 1972, Gary Goldberg Financial Services has been serving individual investors for four generations. We bring a unique blend of knowledge, experience, and resources to every client relationship that we serve, offering the highest caliber of service from a team of nationally recognized experts.

At Gary Goldberg Financial Services, we believe managing clients’ assets is a long- term proposition. In fact, many of our client relationships span generations. We’ll work diligently to develop a customized wealth and investment strategy for you that incorporates investment management & legacy planning designed to help you achieve all of your investment and life goals.

We have helped thousands of investors achieve their retirement goals. Our investment process is designed and implemented by our Strategic Investment Committee, whose members have over 137 years of combined experience amongst GARY M. GOLDBERG is the founder and CEO of Gary Goldberg Financial them. Services which he started in 1972. He has built Gary Goldberg Financial Services into one of the premier full-service For more information about Gary Goldberg Financial Services visit investment management firms providing www.ggfs.com or call 1-800-433-0323. Money Management for Real People and helping thousands of investors achieve their retirement goals. You’ve worked hard to save for your retirement. Let us help protect what you have and prepare for your future.

INVESTMENT COMMITTEE FREE CONSULTATION The Gary Goldberg Financial Services Investment Analysis of your current portfolio Committee jointly oversees all of the firm’s client In our experience, most investors start out with portfolios. Our team-based approach ensures that several fundamentally sound investments. However over time, as experienced portfolio managers are overseeing your market conditions, the economy and personal investment investments at all times, meaning that your investments objectives change, portfolios may no longer reflect the are always being watched. best possible choices.

The Investment Committee is made up of seasoned Our complimentary Second Opinion Service, known investment professionals from GGFS with deep levels of as S.O.S., gives investors the opportunity to receive a expertise spanning the global spectrum of asset classes, comprehensive analysis of their current portfolio holdings investment instruments and techniques. As an individual as well as specific recommendations on how we believe investor, you have direct access to all of the Investment portfolio allocation and investment choices should be Committee’s analyses as well as a suite of commentary, updated to better reflect the current environment. reports and broadcasts. With the help of your financial advisor, you can interpret and identify how these If you feel that the market, the economy, or your personal important insights may help your portfolio. objectives have changed more than your investment strategy, you should avail yourself of our Second Opinion Service. There is no charge and no obligation.

2 TUXEDO PARK LIFESTYLE [email protected] 845-351-5140 JUNE / JULY 2018 3 2 TUXEDO PARK LIFESTYLE [email protected] 845-351-5140 JUNE / JULY 2018 3 WILLIAM WALDORF ASTOR

One of Tuxedo Club’s First Members, One of the Richest Men in America

4 TUXEDO PARK LIFESTYLE [email protected] 845-351-5140 JUNE / JULY 2018 5 heir name is synonymous with prepare a report as to the keeping of hard to gain the recognition. It was wealth and glamour. Their saga is the name “Tuxedo”. He produced written that his Aunt was determined marked by five generations of trag- a small volume of seven pages and that, “If New York had no king of T edy, family feuds and philanthropy. included a map that had society; it would at least have The very name conjures up images been designed during the a queen”. Around 1870, of black tie affairs and high society time of Washington. The through fancy dress balls, balls. John Jacob Astor built an empire brochure, intended for the wearing of brilliant dia- by parlaying a job in the fur business private circulation was monds, entertaining lavishly, into a real estate empire so vast; he called “Historical Names of and sitting majestically in became the richest man in America. the Tuxedo Region”. A copy her private box at the opera, John Jacob Astor came to the United existed in the Tuxedo Park Aunt Caroline assumed the States from Waldorf, Germany in the Library for many years. air of the queen of society. late 1700s. In the late 1800s, the family The brochure explored the She began to assert her posi- was endowed with the largest private meaning, or derivation, of tion as the Centrum around fortunes of their day. The family’s name the name, “Tuxedo”, along which society should organize was often seen in print regarding feuds with excerpts from the itself. She stood at the peak of over social position while two heirs of diary of the Marquis de Chastellux. the social pyramid of the Gilded Age. the Astor family battled with each other The Marquis passed through the region “With the exception of Tuxedo Park, for social primacy. They both built in 1780 and was in complete awe of its America is not a fit place for a gentle- monumental hotels and joined two of natural beauty. He visited the Erskine’s man to live.” He often said before mov- them. The Astor hotels transformed at Ringwood Manor in Ringwood, ing to England. Arriving in England in social behavior. They were home of the New Jersey. The Marquis remained at 1899, William Waldorf Astor acquired chafing dish and the velvet rope. It was Ringwood Manor for a short time and Hever Castle near Edenbridge, Kent. The huge estate built in 1270, was where Anne Boleyn lived as a child. “With the exception of Tuxedo Park, America is not William Waldorf Astor invested a great —William Waldorf Astor deal of time and money to restore the a fit place for a gentleman to live.” castle, building what is known as the “Tudor Village”, creating a lake and lav- said of the Waldorf-Astoria, that it drew later wrote in his diary that he “entered ish gardens. He built the Astor Wing, the rich, famous, and fashionable, and a very handsome house where he drank a collection of houses all of which are was the setting for the most notorious some Madeira and visited a while with connected internally creating an area of society. the widow”. Then continued on horse- 100 rooms. Tuxedo Club’s, William Astor, back across the Tuxedo region, coming A prince of fortune who was enam- was born in New York City, the only to a point he called “The Clove”, where ored with Tuxedo Park, he continued to child of John Jacob Astor III he had a full view of the lake. live lavishly on his estates in England. (1822-1890) and Charlotte Upon the death of He often spoke of the place known as Augusta Gibbes. He was William’s father in early 1890, Tuxedo Park, remembering it fondly educated in Germany and William Waldorf Astor inher- throughout his travels and controversial Italy before studying at ited a personal fortune. It was private life. TP Columbia Law School. He said to have made him the worked shortly in law and richest man in America at that Resources: Tuxedo Historical Society; in the management of his time. He was in a constant “Historical Names of the Tuxedo Region” by father’s estate. bitter battle with his Aunt William Waldorf Astor; “Gilded mansions” William Waldorf Astor Caroline over the position by Wayne Craven; “When the Astors Owned New York” by Justin Kaplan; “William was one of the original members of social standing, the dispute of who Waldorf Astor” Columbia Encyclopedia 6th of the Tuxedo Club. He was autho- was the real Mrs. Astor. William felt edition; “The Waldorf Astoria: America’s rized by the executive committee to that it was his wife, but his aunt pushed Gilded Dream” by Ward Morehouse

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6 TUXEDO PARK LIFESTYLE [email protected] 845-351-5140 JUNE / JULY 2018 7 6 TUXEDO PARK LIFESTYLE [email protected] 845-351-5140 JUNE / JULY 2018 7 The Icon Who Won the Games, and Won the Hearts

THE

very once in awhile a man popular nightspots on the lake. comes along touching so many, People were used to seeing him and E he is almost unreal”. they were more interested in the Greenwood Lake was the person they became familiar with, favorite hideaway for baseball great, rather than the baseball celebrity “Babe” Ruth in the 1930s and 40s. who so often made headlines in The fact that he was one of the most national newspapers. popular, successful and well known Babe Ruth would cruise around ball players of the day had no bear- the lake in his $5,000 mahogany ing upon the residents in the lake speedboat built by the Moran community once they got to know Brothers, local boat builders at him. The person was more import- that time. He loved driving around ant than the legend. in flashy cars, including a new To the locals he was just one of Pierce Arrow that he generously the guys who hung out at the many gave rides in.

8 TUXEDO PARK LIFESTYLE [email protected] 845-351-5140 JUNE / JULY 2018 9 Many locals loved spending time who wanted to avoid publicity and spend her father. Babe would pick him up with the outgoing, popular man, with their time as they wished. from school and take him hunting, his winning personality, who regularly Babe Ruth eventually moved out of the boating and fishing. mixed with them. Babe Ruth enjoyed Sterling Forest house and spent much of He took time to play ball with drinking and gambling in Greenwood his time at the Continental Hotel. Room neighborhood kids and then led them Lake, and yet, became a role model number 3 was his regular room there. “A to the local confectionary store to buy for folks young and old because of the Popular Resort in the Heart of Nature’s them all ice cream cones. person they found him to be. Paradise,” the inn was located at the edge He generously donated money for His daughter, Dorothy Ruth Pirone, of the water. Babe had a place to dock his local benefits and causes including the in her 1988 book “My Dad, The Babe – boat and the inn also happened to be one Boy Scouts and fire department. He Growing up with an American Hero,” of his favorite hangouts. helped with the war effort in any way he wrote that her father had reached a Locals described the bar as resem- could and readily posed with veterans lonely point in his life in the 1940’s. She bling a baseball player’s dugout when who wanted a photo taken with him. wrote, “Babe” wanted, and needed, customers got together for a night He loved riding on the fire truck down to earth people for companions of drinking, socializing and shooting during summer parades through and friends. He discovered what he was the breeze. Greenwood Lake Village. looking for in the individuals he met at In addition to the Continental, the The original version of the “Baby the lake community, and found solace Greck family who owned Greck’s bar, Ruth” candy bar was actually called the in their genuine honesty, warmth, and also treated Babe Ruth like a relative. “Kandy Kake” and was renamed “Baby unpretentious friendships. Teddy Greck, the owner’s son who When he first discovered Greenwood was 14 at the time, became one of Lake, he rented a little cottage in Babe’s favorite pals. Babe’s daughter Sterling Forest on the east side of the said Teddy was like a little brother to lake, where the plush woods and glacial rocks of Sterling Forest meet the water’s edge of Greenwood Lake. The late local historian Wilbur Christman in his 1995 book “Tales of Greenwood Lake” commented, “The house was not a showplace by any means. It was just a place where Babe could get away from his work and relax a little”. Babe Ruth’s daughter went a step further and referred to her father’s little sanctuary in the woods as “a shack.” “My father was able to unwind there, forget about baseball and leave his problems and notoriety behind,” Dorothy wrote. His daughter joined him at his home many times, and actually loved “the shack”. His daughter and he would go to the Welti family’s Wanaque Riding Stables in Hewitt and ride through the woods and fields on horses that were available there. His daughter described Greenwood Lake as being rustic and quiet, ideal for outdoor sports such as hunting, fishing and tobogganing. She said it was a perfect place for movie stars and celebrated folks

8 TUXEDO PARK LIFESTYLE [email protected] 845-351-5140 JUNE / JULY 2018 9 References: Babe Ruth: The Big Moments of the Big Fella” by Tome Meany, 1947..New York Times; “The Babe Ruth Story” by Tom Considine, 1948. E.P. Dutton; “Playing the Game: My Early Years in Baseball”, by Babe Ruth and reprinted in 201, William Cobb. Dover Publications; “Sidelights on Sports” Pittsburgh Post Gazette, May 27th, 1935; “What Babe Has Done to Baseball” Leslie’s Illustrated Weekly, July 23, 1921.

Ruth” directly after Babe Ruth had become a national celebrity. Babe Ruth as Babe Ruth, Jack Dempsey, and the baseball cards were everywhere and famous Bennett sisters gathered often. everyone had them. Shirts, bats, and The New Continental Hotel is a baseballs with his signature on them, family run 15-room country inn filled spread throughout America. with old world atmosphere and warm The love for baseball represented hospitality. Please call 845-477-2456 for a love for mankind to Babe Ruth. He information or reservations. excelled in his efforts by fulfilling so Relax and enjoy dining outdoor on many dreams, holding up the trophy the Terrace or indoor in our dining platform that said, “Anything is possi- room. Both offer spectacular views of ble”. A charismatic leader who instilled Greenwood Lake. in his followers a passionate commit- Enjoy a cocktail, wine or beer in ment to the game of baseball. In his our Delft Cocktail Lounge. It features kind and generous heart he was proud over 240 different Delft Tiles plus to be a part of the Yankee team, a autographed photos of some of our sportsman, and an American, loving all famous guests, which include Babe that was needed to support each. Ruth and Jack Dempsey. Four genera- Come visit The New Continental tions of the Stoeberl family have been Hotel and step back in history to a proudly serving their customers since time, and place, where such legends the late 1920’s. TP

10 TUXEDO PARK LIFESTYLE [email protected] 845-351-5140 JUNE / JULY 2018 11 10 TUXEDO PARK LIFESTYLE [email protected] 845-351-5140 JUNE / JULY 2018 11 12 TUXEDO PARK LIFESTYLE [email protected] 845-351-5140 JUNE / JULY 2018 13 Rollin’ on the River... Ultimate relaxation, sightseeing, and exciting adventure...River Cruises are all the rage!

maller ships with fewer passengers. The Some of today’s more popular river cruises explore amenities and personal service of a fine hotel. ports along the Seine, Danube and Rhine rivers in Activities specifically tailored to your destina- Europe, or the Mekong in Southeast Asia. But, there are tion. Fine dining with a local flavor. You can new exciting destinations being offered every year, most Sexpect all this and more on any one of a number of river recently the Douro in Portugal, Dnieper in Ukraine, cruise adventures! Yangtze in China, and the Nile in Egypt. But don’t let the “adventure” part fool you. One of And, river cruising is easy! Most river cruise packages the many benefits of river cruising is the relaxing, serene are inclusive of your accommodations, meals, beer and journey to your destinations. Along the way you’ll take in wine, as well as your shore excursions. As travel agents, we the beautiful scenic vistas up close—from the ship’s deck are privy to numerous specials including “2-for-1” deals or from the large windows or balcony of your spacious and packages that even include your airfare. stateroom. Let us plan your river cruise adventure of a lifetime! Once you arrive at your destination, you’ll visit historic We are always happy to answer any questions you may ports of call and immerse yourself in the region’s vibrant have, share our personal travel experiences and recom- culture. From art to architecture, local cuisine to each mendations, and search for the best deals on your cruise area’s rich history, you’re guaranteed to have an experience or land vacation. like no other. —Linda and Allan

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14 TUXEDO PARK LIFESTYLE [email protected] 845-351-5140 JUNE / JULY 2018 15 14 TUXEDO PARK LIFESTYLE [email protected] 845-351-5140 JUNE / JULY 2018 15 16 TUXEDO PARK LIFESTYLE [email protected] 845-351-5140 JUNE / JULY 2018 17 John Deere His steel plow met prairie needs in the golden land of promise

Woman with original steel he story of John Deere, who and other equipment for the pioneer plow made in 1838 developed the world’s first farmers. From them, he learned of the T commercially successful, serious problem they encountered in try- self-scouring steel plow, closely parallels ing to farm the fertile soil of the Midwest. the settlement and development of the The plows they had brought with them Midwestern United States, an area that from the East were designed for the light, the homesteaders of the 19th century sandy New England soil. The rich mid- considered the golden land of promise. western soil clung to the plow bottoms John Deere was born in Rutland, and every few steps it was necessary to Vermont February 7th, 1804. He spent scrape the soil from the plow. Plowing take them to the country to be sold, an his boyhood and young adulthood in was a slow and laborious task. Many entirely new approach to manufacturing Middlebury, Vermont where he received pioneers were discouraged and were con- and selling in those early pioneer days, a common school education and served sidering moving on or heading back east. and one that quickly spread the word of a four-year apprenticeship learning the John Deere studied the problem and John Deere’s “self-polishers”. blacksmith’s trade. became convinced that a plow with a There were many problems involved He gained fame as a Blacksmith, highly polished and properly shaped in attempting to operate a manufacturing and in 1825 he began his career as a moldboard ought to scour itself as it business on the frontier. Few banks, poor journeyman blacksmith and soon gained turned the furrow slice. He fashioned transportation, and a scarcity of steel, considerable fame for his careful work- such a plow in 1837, using the steel from among others. John Deere’s first plows manship and ingenuity. His highly pol- a broken saw blade, and successfully had to be produced with whatever pieces ished hayforks and shovels were in great tested it on the farm of Lewis Crandall of steel he could locate. In 1843, he demand throughout western Vermont. near Grand Detour. arranged for a shipment of special rolled But business conditions in Vermont Deere’s steel plow proved to be the steel from England. This steel had to be became depressed in the mid-1830s, and answer pioneer farmers needed for shipped across the Atlantic Ocean by the future looked gloomy for the ambi- successful farming in what was then “the steamship, up the Mississippi and Illinois tious young blacksmith. Many natives of west”. But his contribution to the growth Rivers by packet boat, and overland by Vermont emigrated to the West, and the of American agriculture far exceeded the wagon 40 miles to the little plow factory tales of golden opportunity that filtered development of a successful steel plow. in Grand Detour. Ten years after he back to Vermont stirred John Deere’s developed his first plow, John Deere was enthusiasm and he decided to dispose of “I will never put producing 1,000 plows a year. In those his business and join the pioneers. my name on a early years of his business, Deere laid He left his wife and family, who were product that does down several precepts that have been to join him later, and set out with a bun- not have in it, the followed faithfully since then by the dle of tools and a small amount of cash. company he founded. Among them was best that is in me”. After traveling many weeks, he reached his insistence on high standards of quality. —John Deere the village of Grand Detour, Illinois, John Deere vowed: “I will never put my which had been settled by others from name on a product that does not have in his native Vermont. The need for a black- It was the practice of that day for it the best that is in me. TP smith was so great, that two days after his blacksmiths to build tools on order for arrival in 1836 he had built a forge and customers. But John Deere went into References: John Deere: “A history of the was busy serving the community. the business of manufacturing plows tractor” by Randy leffinquell 2004; John There was much to be done - shoeing before he had orders for them. He would Deere Family Tree: Dowling family tree-4th cousin 5x removed; John Deere Tractor and horses and oxen, and repairing the plows produce a supply of plows and then Engine Museum.

16 TUXEDO PARK LIFESTYLE [email protected] 845-351-5140 JUNE / JULY 2018 17 Honoring first responders, Tuxedo Park School hosts lunch and announces scholarship by Christopher Kasker Director of Communications, Tuxedo Park School

n appreciation to those who see a school from our community offer are renewable through to graduation. protect our communities, Tuxedo such a generous scholarship is a tremen- Information about the scholarship Park School hosted a luncheon dous sign of their appreciation for what can be found at http://www.tuxedopark- for first responders to announce our members do.” school.org/veteranfirstresponder or by Ia new merit scholarship in their honor. After lunch, the first responders calling 845-351-4737. “Our school works hard to instill a provided hands-on tours of their vehi- About: Tuxedo Park School, located sense of community with our students,” cles. Students tried on oxygen masks in Orange County, NY, is an indepen- said Todd Stansbery, head of school. in the fire truck, practiced splinting dent, coeducational school founded “First responders are at the center of fractures in the ambulance, and used in 1900. Approximately 220 pre-K their communities, being the first ones the public address system and siren in through ninth-grade students from to be there to help when a citizen is in the police cruiser. Orange, Rockland (NY), Bergen, and need. We are pleased to announce this The scholarship is competitive, Passaic (NJ) counties are enrolled. scholarship while hosting this luncheon awarded to up to two students annu- Tuxedo Park School offers a cur- to honor our first responders’ dedica- ally. It is combined with the Veteran riculum that is traditional in its roots tion and bravery.” Scholarship the school announced yet innovative in its approach. Small Kindergarten through third-grade last year, now the Veteran and First by design, the school maintains a low students ate lunch and asked questions Responder Merit Scholarship. It is student-teacher ratio and a program with members of the Tuxedo, Volunteer available to new families with students that includes core academics, foreign Ambulance Corps, Tuxedo Park Fire in fourth through eighth grade to chil- language, performing and fine arts, ath- Department, and Village of Tuxedo dren and grandchildren of a Veteran letics, community service, environmental Park Police Department. of the United States Armed Forces, stewardship, and character education. “It’s always nice to hear a thank you,” active member of a fire department, said President of the Tuxedo Park Fire emergency medical service, or law Tuxedo Park School - Mountain Farm Road Department Gardiner Hempel. “And to enforcement agency. The scholarships Tuxedo Park, NY 10987, 845-351-4737 Photo credit: Christopher Kasker, Tuxedo Park School. Park Tuxedo Kasker, Christopher credit: Photo Tuxedo Park Fire Department’s Kent Clark speaks about firefighting Tuxedo Park Fire Department’s Jim Hickey speaks with TPS Third-Grader equipment with a group of second and third graders at TPS, May 11, Michael Baez during a First Responder’s Luncheon hosted by Tuxedo 2018 following a luncheon held to honor first responders at the school. Park School, Tuxedo Park, NY, May 11, 2018.

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18 TUXEDO PARK LIFESTYLE [email protected] 845-351-5140 JUNE / JULY 2018 19 Is Liposuction Becoming Obsolete?

by Dr. Mario Loomis

s it possible that liposuction is fat without resorting to surgical lipo- treatment I had to offer her was lipo- becoming obsolete? Having suction. There are procedures such as suction. I often performed it under performed liposuction for nearly tummy-tucks and facelifts, which will local anesthesia, and took great care thirty years, I do not consider always include liposuction as an adjunct and precision to optimize the aes- Ithe notion lightly. I was an early treatment. But, these procedures thetic result. But the results I can now member of the American Lipoplasty already involve surgery and anesthesia. achieve with Kybella®, a nonsurgical Society which was dedicated to What about the times when you just injection treatment to reduce fat, have bringing excellence to what was, at want to reduce fat and do not need or rivaled my artistic neck liposuctions at the time, a novel treatment in the want to undergo surgery? Are there still half the cost. United States. Gaining expertise from times when liposuction alone is war- As I have cautioned before, just bold innovators in South America ranted to reduce fat? Five years ago, I because something is nonsurgical, and other areas around the world, I would have said, “absolutely.” Now, I doesn’t make it easy. In fact, many learned liposuction body contouring am hard-pressed to find a situation in of these nonsurgical treatments are as a refined art. Over the years, I have which I could not use my newer, non- harder to optimize than their surgical utilized many of those refinements, surgical options to achieve the same or counterparts. But when done skillfully optimizing liposuction for the removal better results without liposuction. and artfully, they do indeed have the of unwanted fat in my patients. Over Whereas, in the past, I would have potential to make at least some surger- the past six years, I have been involved readily used liposuction to reduce ies obsolete.TP with the latest stage of development in inner and outer thighs, I now use body contouring: completely nonsurgi- CoolSculpting® which costs my cal fat reduction. patients less and avoids the risks of What initially sounded to me like an surgery. Years ago, when a patient was Dr. Loomis is a Plastic Surgeon in empty promise, too good to be true, is not ready for a facelift, but wanted Middletown, NY now a reality. We can reliably reduce to reduce her double chin, the only 845-342-6884, www.DrLoomis.com

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20 TUXEDO PARK LIFESTYLE [email protected] 845-351-5140 JUNE / JULY 2018 21 22 TUXEDO PARK LIFESTYLE [email protected] 845-351-5140 JUNE / JULY 2018 23 The Consequences of Being Positive

“Next time you’re found with your chin on the ground, there is a lot to be learned, so look around.” —Frank Sinatra, from the song “High Hopes”

by Dr. Kenneth Silvestri

ow many times have you When you are negative, your ner- the wisdom of not being half empty: heard, “accentuate the vous system defaults to a revved-up Try imagining a silk thread pulling positive,” from friends state and your blood leaves the areas your head to an erect position. Allow when you are down on that require the most nurturing, such your body to follow its direction. Let Hyourself. Well there is much to learn as the entire lining of your gut, which positive energy flow through you and from that adage. In a University of needs to be replaced every seven- around you. Sense your surrounding Kentucky and University of Minnesota ty-two hours. When there is excessive environment; tell your soul that it is study of nuns over their life span, stress from negativity your hormones multi-leveled. There are no accidents novices were evaluated regarding how curtail the immune system, further, in this context. Open your being to they saw the glass half full or empty. placing you in a more vulnerable state. connecting with others. Channel your The result was that the half empty Dashner Keltner writes in Born to energy through them and from them. individuals lived ten years shorter than be Good (New York: Norton, 2009): Let your Chi or vital energy introduce their counterparts. This is equal to a “Positive thoughts are a biological your soul to yourself. Feel the energy life span shortened by having smoked mandate for health.” If the multifac- flow from your belly to the outer most a pack of cigarettes a day (“Nuns Offer eted and probably the most important part of your body and existence. Relax Clues to Alzheimer’s and Aging,” by part of your nervous system, the Vagus your facial muscles; move Chi down- Pam Bulluck, NY Times, May 7, 2001; Nerve, which is the nerve of compas- ward to release all tension in your “Trust & Dare, newsletter of the school sion, does not function optimally, our body. Stand up and walk with a new Sisters of Notre Dame, 2014). In a true karma is the survival of the good. spring to your steps. Feel the balls new study done at Stanford University This is further emphasized by Stephen of your feet touch the ground with a control group of 240 children ages W. Porges in his book The Polyvagal new awareness. Each part of you is seven to 10 were found that being Theory (New York: Norton, 2011) connected to the whole, which is now positive improved their memory and when he describes the process of being more than all the parts of the universe. enhanced their problem-solving skills optimistic and how it determines our You are now connected to the uni- (reported by Abigail Hess, CNBC, becoming more safe, flexible and apt to versal positive energy that feeds our February 8, 2018). Another study at have better coping skills. existence. TP Stanford University, positive students Since the research is conclusive and *The above article is adapted from my were asked to think negatively for four has shown the effects of negative think- forthcoming book, A Wider Lens, How To See minutes. Saliva tests confirmed that ing, also called the “Nocebo Effect,” Your Life Differently, to be published in the their immune system was lowered then it stands to reason, that singing Autumn of 2018. for four hours. Conversely, a group “Oops there goes another rubber tree of “half empty” students were given plant,” and any other positive thoughts positive input and their immune system will allow your calm part of your improved for two hours (Stanford nervous system to be accentuated! You Dr. Silvestri is a Psychotherapist and Certified Classical Homeopath in private University Forgiveness Project, 2009). have a choice. practice in Montclair, NJ and Nyack, NY; The research points out that negativity Here is visualizations, exercise that Contact 973-214-0540, drkennethsilvestri. leads to bad health. will allow you to expand your reality with com, or [email protected]

22 TUXEDO PARK LIFESTYLE [email protected] 845-351-5140 JUNE / JULY 2018 23 24 TUXEDO PARK LIFESTYLE [email protected] 845-351-5140 JUNE / JULY 2018 25 BUFFETT and Beyond Research, Inc. proudly presents to you The Good, The Bad

and The Ugly... by Dr. Joseph Belmonte The Good stocks should be in our portfolio, the bad stocks should be in someone else’s portfolio and the ugly stocks should be in nobody’s portfolio. To receive our full portfolio of 30 stocks free, just go to www.buffettandbeyond.com for one month of free video letters along with all the stocks in our growth portfolio

arren Buffett uses a very little-known 3. Revenue Growth: We then look at revenue growth. method called Clean Surplus (comparable We see a projected revenue growth rate for 2019 of 12.6%. profits) as a filter for a company he intends This is more than double the average stock in the S&P 500 to invest in or purchase outright. At index. After all, if revenue is not growing, then it is impos- BuffettW and Beyond Research, we use this method as our sible for sustained earnings growth into the future. primary stock selection method. 4. Debt: Years to pay debt. This is a quick way for Clean surplus is a little-known accounting method designed Buffett to analyze a company’s debt. If the company takes to provide us with a comparable operating efficiency ratio as all of its earnings or net income, how many years will it well as predictability of take to pay off the debt? the future growth of that VISA INC NYSE-V Buffett’s rule of thumb is 5 company. EARNINGS REVENUE Years to Recent years or less. Visa has very Stock of the month: CLEAN GROWTH GROWTH pay debt Dividend little debt and certainly fits Visa is the world’s SURPLUS 5 Yr Avg 5 Yr Avg 1.8 0.7% Buffett’s criteria. largest retail electronic YEAR ROE 18.2% 17.5% Industry Bottom line: Visa is payments network pro- 2019 17.6% 18.2% 12.6% Financial Services definitely an above average viding processing services 2018 16.3% 26.4% 12.6% Market company in all areas that we and payment product 2017 15.3% 22.5% 25.4% Cap $Bil measure. If we select above platforms. Their Visa/ 2016 15.2% 8.4% 24.8% $263.0 average stocks for our growth PLUS brand is one of the portfolios, then we can be largest global ATM networks offering cash access in local certain we will outperform the market averages. With Visa’s currency in more than 200 countries. Visa has about 8,500 ROE of 17.6% compared with the average stock’s Clean Surplus employees. ROE of 14%, Visa should be outperforming the market. In fact, 1. Return on Equity: The first thing we look at is it is almost tripling the returns of the S&P 500 index over the the comparable operating efficiency which is the Clean past 5 years. Yes, I have Visa in my growth portfolio. Surplus Return on Equity (ROE). We look for a high and relatively consistent ROE. This stock has a rising Clean Surplus ROE which means the earnings are not only growing, but they are growing at an increasing rate. Think of a car going 60 mph, but increasing its speed to 65 then to 70 then to 75. When it comes to earnings increasing year over year, the market just continues to buy this stock which of course, causes it to increase in price. 2. Earnings Growth: The next thing we look at is the Dr. Joseph Belmonte is a renowned investment strategist and market earnings growth. At a projected earnings growth for 2019 thinker. He has taught investments, corporate finance and advanced man- of 18.2%, it is above the average growth rate for the S&P agerial finance for many years, and has lectured to numerous professional 500 stocks of 11%. and investment groups across the country.www.buffetandbeyond.com

24 TUXEDO PARK LIFESTYLE [email protected] 845-351-5140 JUNE / JULY 2018 25 Monsey Glass 73.pdf 1 1/4/18 3:04 PM

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26 TUXEDO PARK LIFESTYLE [email protected] 845-351-5140 JUNE / JULY 2018 27 Page in Time A from Diaries, Memories, & Social Clippings

Preparing for the grand evening party rought iron gates glided apart exposing a high with cakes, puddings, meats and champagne through winding driveway. Our car entered through the open French doors and out onto the veranda. The bottles the grand stone pillars past sprawling lawns were placed on blocks of ice fresh from the icehouse, and and polo fields. Orderly stonewalls directed molded forms became apparent as the fading sun caught usW toward the manor house where a full staff awaited our the sparkle of crystal, pushing a last pink blush into the pure arrival. As we were led into tea by the butler, our hosts white curtains. greeted us. In the sunroom, starched white curtains billowed; The evening was fresh and new. A feeling of excitement catching the afternoon breeze in their skirts as lemonade was stirred as the tingling coolness caressed summer dresses and served with shaved ice and sprigs of mint in crystal, on silver. the candle's soft glow, embraced by stars and music, reached Gardeners could be seen pushing lawn cutters to ready the long into the night and faded only as dawn pushed it aside to grounds for that evening's party. Maids pushed carts heaped make way for a new day.

Pheasant & Sage Canapes Rosemary Cheddar Delights Mint Butter Spread on Pumpernickel 1 cup cooked pheasant, chopped 8oz. sharp cheddar cheese, finely grated 1 lb. softened butter 1 teaspoon dried sage 1 teaspoon finely chopped onion 1 cup finely chopped fresh mint 1 teaspoon capers 2 teaspoons chopped fresh rosemary Pumpernickel bread, crusts removed 2 tablespoons chopped watercress 1 tablespoon tarragon vinegar

1 teaspoon Worcestershire sauce Combine chopped mint & butter. Combine all ingredients and spread on 1 teaspoon Tabasco sauce Spread on pumpernickel bread thins bread thins. Rye bread thins (crusts removed) cut into strips. Chill ever so slightly. grated carrot for garnish

26 TUXEDO PARK LIFESTYLE [email protected] 845-351-5140 JUNE / JULY 2018 27 When Should I Schedule My Child’s First Eye Exam?

by Dr. Aaron Punim, OD

ne of the hardest things eye alignment, depth perception, eye • Preschoolers should receive a com- about parenting is that movement accuracy, binocularity, and prehensive eye exam between the ages there is no guidebook. As learning problems related to visual infor- of 3 and 5 to prevent or diagnose condi- a parent, you may question mation processing skills. Additionally, tions that can have long-term effects. Owhether your child has a vision problem the overall health of the eye and the • School-aged children (6 to 18 or wonder when you should schedule his visual system is examined through a years) should receive a comprehensive or her first eye exam. dilated pupil. exam prior to entering the first grade According to the American Some children are born with eye and annually thereafter. Optometric Association, 1 in 5 pre- alignment problems, such as strabismus, Many children participate in sports schoolers have vision problems, and that can cause incomplete visual devel- and other activities where an increased 25% will need corrective lenses by the opment as seen in amblyopia; also called risk for injuries such as concussions time they enter school. Infants and lazy eye. If not detected and treated at exist. Children are particularly vul- young children do not yet have fully the onset, strabismus and amblyopia can nerable to the sequelae of concussions developed visual systems. Normal cause permanent visual disability. Some as their recoveries are much slower development of the brain’s visual centers school-aged children have learning-re- than adults and can potentially lead to is contingent upon equal input from lated vision problems that affect school poorer outcomes. Some symptoms are both eyes. If the visual system is unable performance. Symptoms may include acute while others can last for a month to develop normally, vision can become difficulty with completing work, hand- or more. Parents may see grades slip limited in ways that is uncorrectable writing, remembering words, skipping due to post-concussion symptoms such later in life. words/lines or confusing similar words/ as headaches, fatigue, vision problems The biggest issue for parents is that letters. An assessment of visual-informa- and difficulty concentrating or attend- kids don’t say anything. They often tion processing and management of any ing to classroom instruction or lectures. do not volunteer information because learning-related vision problem may be If a concussion is suspected, a com- they are unable to complain or articu- necessary for these children to succeed prehensive eye exam can verify visual late what they are experiencing. A lot in school. dysfunction requiring treatment. of parents think if there is something American Optometric Association Children with uncorrected vision wrong with their eyes, their child will say and the American Academy of conditions or eye health problems something or a pediatrician will be able Ophthalmology guidelines for children may struggle academically, socially and to diagnose or determine the prognosis, to be given comprehensive eye and athletically, making it difficult to keep but often that is not the case. vision exams at key milestones in their up with their peers. Early detection and Annual comprehensive eye exams development: intervention provides the best chance to by an eye care professional can diag- ●• Infants should receive a baseline correct your child’s vision problems so nose and manage conditions that can eye exam between 6 and 12 months, they can reach their highest potential. TP be missed in routine “eye chart” tests. during a critical period where the eye These exams differ from vision screen- undergoes rapid and profound changes Dr. Punim is a OD at Monroe Family ings in that it facilitates diagnosis of and vulnerable to interference with Eyecare, 91 Lakes Rd, Monroe, NY 10950 visual problems relating to eye focusing, normal development. 845-783-1224 MonroeFamilyEye.com

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Eye Care for the Whole Family Harvey Feldman, OD • Complete Eye Evaluations David Siegel, OD, FAAO • Pediatric Eye Exams Todd Punim, OD • Glaucoma Monitoring & Treatment Brad C. Gollinger, OD • Cataract & Lasik Screening Aaron Punim, OD • Developmental Vision Testing • Contact Lenses 845-357-4105 VSP Network Doctor • Emergency Eye Care Organic Tick and Mosquito Programs NYS Nuisance Wildlife Trapping and Removal Large Selection of Designer Eyewear & Sunglasses Maui Jim • Ray-Ban • Nautica • Oakley • Dolce & Gabana Animal Exclusion Services Michael Kors • Fendi • Coach • Guess Termite Baiting Systems 91 Lakes Road, Monroe, NY All Insects and Rodent Services 845-783-1224 Environmentally Sensitive Programs Appointments Available Evenings & Saturdays Family Owned and Operated Since 1932 MonroeFamilyEye.com facebook.com/monroefamilyeyecare

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32 TUXEDO PARK LIFESTYLE [email protected] 845-351-5140 JUNE / JULY 2018 33 A Matter of Perspective

By Steven Piriano, MD

e typically make decisions and act based upon the things that we know-upon how we understand the circumstances that surround us. Many times, our conclusions are correct andW our behaviors are appropriate. However, I’m fairly certain that on numerous occasions our assumptions are mistaken and thus our conduct will reflect this. I can definitely say that this is true of myself. The way we see a situation is our perspective. The eye of a hurricane looks and feels quite a bit different than other parts of the storm. Perspective. As a practitioner of medicine, I have an entirely different perspective than a layperson. The onset of severe abdominal pain in a person will likely have a different meaning for me than for an astrophysicist. I would have an entirely different level of understanding with regards to the situation. Similarly, if there was some enormous cosmic event that was going to impact our Earth, the converse would hold true. The astrophysicist would have an understanding that I could probably not even fathom. I have two dogs- a yellow Labrador and a miniature poodle. When Rocky (our lab) first arrived at our home, I thought I knew a lot about owning and raising dogs. Not so. Our Labrador was beginning to display behavioral issues that we were con- cerned about. I didn’t know what to do. Around that time, I happened to come across a copy of “Cesar’s way”, by Cesar Millan. Mr. Millan taught me an entirely different way to view canine behavior. I learned how dogs see the world, and it was a lot different than I had once thought. I gained a new perspective, and it has helped immensely. (As an aside-prior to the behavioral issues, my wife had watched some episodes of Cesar’s television show and had mentioned some of his ideas to me. Of course, I didn’t listen at the time. She was right– I should have listened). Thus, proper perspective is essential. It can help in all life situations. It can be especially valuable in difficult circumstances. When these circumstances arise, take a step back and ask yourself if there is any other way to look at things. Seek advice. Read an article or book. Many times, the perspective of others can be a wonderful gift. It can provide the enlightenment needed to assist us in solving many of life’s most challenging quandaries. TP

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32 TUXEDO PARK LIFESTYLE [email protected] 845-351-5140 JUNE / JULY 2018 33 REAL PROJECTS. REAL LIFE. REAL SUCCESS.

At SRDS, we believe students elevate their learning when they realize the importance of their work. That’s why our curriculum includes cross-disciplinary projects with real- world outcomes—like producing an ad campaign for a bone marrow registry or developing a new perfume for Fresh, Inc. Our students confront academic challenges with optimism and determination, preparing for success at top colleges like Northwestern, Columbia and Georgetown.

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To schedule a visit, contact Kris Sweeny in the Pre-K to Grade 12 Office of Admission at [email protected]. 147 Chestnut Ridge Road LoveLearning.SaddleRiverDay.org Saddle River, NJ 07458

34 TUXEDO PARK LIFESTYLE [email protected] 845-351-5140 JUNE / JULY 2018 35 Innovative Curriculum at SRDS Continues to Move Full STEAM Ahead by Laura Hollis, Director of Technology Eileen F. Lambert, Head of School, Saddle River Day School

t SRDS, the STEAM collaboration, and work through the and build race cars from everyday (Science/Technology/ creative process. These are the inno- materials. Students followed the Engineering/Arts/Math) vators, educators, leaders, and learn- Engineering Design process and curriculum is alive and well! ers of the 21st century! STEAM is a spent time testing and improving their AMuch has been proclaimed about way to take the benefits of STEM and designs and collecting data about the the need for STEM programs in complete the package by integrating speed and velocity. At the end of this schools. The logic is simple: the wave these principles in and through the project the cars competed in three of future economic prosperity lies arts. STEAM takes STEM to the next categories: speed, distance and aes- in a workforce that is well-versed level: it allows students to connect thetics. The students and onlookers in rising job markets like science, their learning in these critical areas cheered as the cars raced down the technology, engineering and math. together with arts practices, elements, SRDS driveway and winners high- Thus, there has been an increased design principles, and standards to fived each other as their cars crossed investment in STEM initiatives in provide the whole pallet of learning at the finish line. Middle School Science schools. While these initiatives are a their disposal. STEAM removes lim- and Engineering teacher Anastasia wonderful start into the exploration of itations and replaces them with won- Kelly said, “Many of our kids do well these four areas of study, the critical der, critique, inquiry, and innovation. with hands-on learning and it gives process of creativity and innovation is A robust STEAM program was them a chance to use their knowledge missing. Students in STEM programs implemented a number of years ago in a real-world application.” may have more experiential learning at SRDS, including the provision of Research shows that students and opportunities, but they are limited to mobile devices for students, after- teachers engaged in STEAM make only science, technology, engineering school clubs or programs such as the more real-life connections so that and math. Our economy requires so SRDS summer digital media arts pro- school is not just a place where you much more than an understanding of gram, BYOD initiatives (bring your “go to learn” but instead becomes these areas – it requires application, own device), and a fully equipped the entire experience of learning creation and ingenuity. However, state-of-the-art IDEAS (Innovation/ itself. SRDS remains committed STEM alone does not foster these Design/Engineering/Art/Science) to researching and implementing essential nutrients. MakerSpace Lab that offers every- innovative methods to incorporate STEAM is an educational thing from robotics programs to 3D STEAM into its challenging academic approach to learning that uses printing and much more. An Upper curriculum at all levels as we prepare Science, Technology, Engineering, the School Engineering Class was added our students for success in college and Arts and Mathematics as access points to the course offerings this year where beyond. TP for guiding student inquiry, dialogue, students designed and constructed and critical thinking. The end results prototypes for prosthetic limbs, water bottles, and more. are students who take thoughtful Saddle River Day School, 147 Chestnut Ridge risks, engage in experiential learning, Recently 7th Grade Science Road, Saddle River, NJ 07458, 201.327.4050 persist in problem-solving, embrace students were challenged to design lovelearning.saddleriverday.org

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