ACROSS THE UNITED STATES, MILLIONS OF MIDDLE-AGED ADULTS STRUGGLE WITH THE DUAL RESPONSIBILITIES OF RAISING A CHILD AND CARING FOR AN AGING PARENT. THEY ARE MEMBERS OF WHAT IS COMMONLY CALLED THE SANDWICH GENERATION.

In fact, a 2020 report by New York Life found that 48% of the sandwich generation are expected to be in a caregiving position in some capacity for six or more years.

The rise of the sandwich generation is a byproduct of two powerful trends: (1) women giving birth later in life, and (2) the increasing longevity of the US population. When you combine these factors with a growing number of young adults living with their parents, it’s easy to see why so many middle-aged Americans are concerned about the future. If you are one of them, here are a few steps you can take to protect your loved ones and prepare for the financial responsibilities ahead.

Have a plan for eldercare
Talk to your parents about the kind of care they’d prefer, and discuss it with your siblings. See which, if any, family members have the capacity to help provide care and which home would be the most accessible. In case external help is needed, research local resources to see what is available—and at what cost. Most importantly, consult an attorney and make sure you have all the legal documents needed to make sudden medical and financial decisions if the need arises.

Evaluate your resources
Before determining a course of action, make sure you know what resources are available. Can your parents pay for care on their own? Do they have long-term care insurance? Do they own any whole life insurance policies with living benefits that they may be able to use to pay for care? Can other family members contribute financially? Is public assistance a viable option?

Protect your children’s lifestyle and future
While caring for a parent is a huge responsibility, it’s important to make sure your children’s needs and your own retirement needs are also met. If you haven’t done so already, set up a college fund and make funding it a priority. If your place of employment offers a 401(k), try to contribute the maximum amount allowable, and make sure you contribute at least enough to get the full company match. Also, consider purchasing a term or whole life insurance policy that can help to protect your family’s future in case anything tragic happens to you.

Caring for children and aging relatives at the same time is never easy, but with the right planning and resources, it is possible to do both. With so many people joining the ranks of the sandwich generation, now’s the time to start planning for the future.

This educational third-party article is provided as a courtesy by David Hoory, CLF®, LUTCF®, Managing Partner, Brooklyn General Office, New York Life Insurance Company. To learn more about the information or topics discussed, please contact David Hoory at (718) 486-4601 or dhoory@newyorklife.com to get in touch with the agents in your area.

ARI BAUM CFP®

ARE YOU WORRIED ABOUT A MAJOR RECESSION? DO YOU THINK THE MARKETS ARE ABOUT TO COME TO A STANDSTILL ANY DAY NOW? “YES,” IS THE ANSWER FROM MOST FOLKS THESE DAYS AND MOST SMALL BUSINESS OWNERS AGREE, AS DO LOTS OF SO-CALLED ECONOMIC EXPERTS AND TALKING HEADS ON THE NEWS.

Still, no one really knows when the next recession will happen—or how severe it’s going to be. And worrying about it isn’t helpful or good for you. In fact, it’s more challenging to make money moves when your judgment is clouded by recession anxiety.

So, how can you cope? What can you do to set your recession fears aside, make confident decisions, and weather the slowdowns better?

6 STEPS TO BRAVING RECESSIONS WITH A COOL HEAD, CALM NERVES & CLARITY

1: DON’T BUY INTO THE HEADLINES

Strategy

Limit your news intake. Headlines are designed to scare us and attract as many eyeballs as possible. That clickbait can be toxic for anyone who takes in too much.

Put it in action
Stick to one (or a few) news sources you trust. Limit the time you spend checking the headlines. Also, do not take the news as gospel, especially when making significant financial decisions.

2: RESIST IMPULSIVE ACTIONS

Strategy
Think twice (or more) before making big money moves. Panic can snowball, especially when it feels like the bottom is falling out. Resist the urge to act immediately because it can lead to mistakes, not sound financial decisions.

Put it in action
Ask yourself, “Why am I doing this?” and “Is now really the right time to make this move?” Give yourself time, like days or weeks, to consider significant decisions carefully and think how they’ll affect you now and in the long-term.

3: RUN A WORST-CASE SCENARIO

Strategy
Think about your biggest recession fears and what the worst-case scenario would look like for you. Then, troubleshoot it.

Put it in action
Ask yourself, “Worst case, what could I lose in this or the next recession? What would I do if that happened?”

Running worst-case scenarios can help you see possible solutions—and maybe even some silver linings. That can put some of your bigger fears about a recession in a new light. It may even show you that your fears aren’t as bad as you’ve built them up to be.

4: DO A TEMPERATURE CHECK

Strategy
Now may be the time to make some shifts, or take a new approach. And you won’t know that if you just keep things on autopilot.

Put it in action
Carefully consider your risk tolerance, your investments, and how diversified your portfolio is. While you may want to make some changes now, it can also be smart to check in on your finances more frequently as markets shift. That will keep your finger on the pulse of things, so you can keep your expectations and reactions in check.

5: MAKE TIME TO RELAX

Strategy
Carve out time in your schedule to do activities that help you relax. Make that relaxation time part of your daily or weekly routine, even if it can’t be on the same day every week or at the same time every day.

Put it in action
Start simple with breathing exercises for 10 to 20 minutes a day. Of course, you could do anything you enjoy that helps you unwind and relax. That could mean exercising, reading, cooking, crafting, or learning new hobbies. Whatever you do, taking the time to relax can calm your brain and clear your head. This can help you think a little more clearly, even when you start to feel recession anxiety set in.

6: EXPAND YOUR OUTLOOK

Strategy
Extend your perspective—start looking past the next year or two. Opening up your outlook to the long-term can put current market conditions in context.

Put it in action
Ask yourself, “Will I still have these recession worries 10 or 15 years from now?” Remember that recessions are part of healthy market cycles and that over the long-term, market gains have historically outperformed their losses.

Since 1926, the S&P 500 has risen about 72% of the time, year-after-year. So, play the long game and keep an eye on the horizon, as well as on your next step.

WHAT RECESSION PANIC REALLY COSTS
& HOW TO TRULY BEAT IT
Are you surprised by any of these strategies? Do you already use some of them to deal with recession anxiety—or stress in general?

No matter how many recessions you’ve lived through, another one may rattle you. If that happens, you can get hung up on the things that you can’t control, like when the next recession will strike or how long it’s going to last.

That mindset does not help us make prudent decisions. When we give in to recession anxiety, it can cost us, both financially and psychologically.

On the financial side, any of us—even the savviest folks—can abandon their investments and strategies, losing sight of long-term goals and what it takes to reach them.

The anxiety can mean we focus on the negative and our mental health suffers. We are more likely to experience these effects if we’re feeling alone or out of options.

We can break free of that mindset! The truth is that when we focus on what we do control—like our outlook and our financial choices—we start seeing past the doom and gloom of recessions. Then we can start to make a plan for how to respond and make adjustments as circumstances change.

The content is developed from sources believed to be providing accurate information. Consult your financial professional before making any investment decision. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss. Past performance does not guarantee future results.

Ari Baum, CFP® is the founder and CEO of Endurance Wealth Partners. With over 25 years of experience in the Financial Services industry, he brings his in-depth experience to Conceive, Believe, Achieve, for his clients.
Securities and Advisory services offered through Prospera Financial Services Inc. Member FINRA/SIPC.
Brokerage and Advisory accounts carried by Wells Fargo Clearing Services, LLC.

ELLEN ADES

READING IS THE GATEWAY TO LEARNING IN SCHOOL AND LIFE. IN MANY INSTANCES READING SPECIALISTS HAVE BECOME THE SECRET SAUCE UNLOCKING THE UNLIMITED POTENTIAL OF YOUNG MINDS—AND THEN THERE IS CAROL MISSRY.

Carol studied for her Bachelor of Science at New York University. She worked as a certified special education teacher for over twenty years in the most challenging public schools New Jersey has to offer. She eventually focused on becoming a reading specialist trained in Orton-Gillingham, but currently savvy enough to use other methods as she sees fit. Carol knows how to focus on each unique client to yield optimal outcomes. She has been successfully teaching private clients for the past ten years and takes particular pride in having helped children struggling in math and language arts reach fluency level.

Carol shared, “When I came to PROPEL, I was advised to brush up on my computer skills by signing up for classes through SBH Career Services Division. That advice led me to acquire skills that help me manage and market my business more efficiently. PROPEL is a great resource for every woman no matter where she is on her journey to earn.”

The unique thing about Carol is her talent for connecting with students. When asked about this she replied, “The students enjoy the sessions because I create a fun and inviting learning environment.”

When I asked Carol to share a success story she harkened back to her public school experiences. “I remember one 9th grader who could not read any of the letters of the alphabet. He was not interested in Shakespeare so I had to identify what did interest him. We began focusing on song lyrics. After two years he was able to read and write.”

Carol’s strengths as a teacher allow her to meet students wherever they are academically. She knows what it takes to engage pupils—and she does fully engage them. This ability to adjust teaching methods and be creative with learning tools has given her students the opportunity to achieve. She has taken unmotivated children who don’t do homework and helped them through a metamorphosis to emerge as fully participating members of the classroom.

With all her student success stories and decades of experience, Carol believes parents are the best advocates for their children and they must become involved.

I asked her for two pieces of advice. Regarding students she said, “All children want to do well. We must develop skills and strategies that remove obstacles to learning.”

When I asked her what advice she might offer parents, she said, “Reading can be fun. Education can be fun. Make it enjoyable.”

If you are interested in a career or career advice, please reach out to PROPEL. We can help you take the steps to fulfill your professional goals and dreams.

Call 646-494-0822 | Email info@thepropelnetwork.org| Instagram @PropelNetwork

Ellen Ades is a PROPEL career coach.

SBH Mental Health Division

Sandy Eller

With a dozen divisions in place to meet the many needs of the local community, it should come as no surprise that Sephardic Bikur Holim, more commonly known as SBH, has a dedicated mental health department to help those who are struggling with emotional wellness.

Founded in 1974 on foundations of altruism and responsibility, SBH rapidly expanded from its initial mission of visiting the sick when it became clear that patients who had been discharged from the hospital were often facing significant obstacles that couldn’t always be resolved by kind-hearted volunteers.

Evolving organically, SBH launched divisions to meet communal needs, focusing on areas including fertility, senior citizens, careers, food, clothing and more. While SBH initially began offering mental health care through its social services arm, the Mickey Kairey Mental Health Division was formed as a standalone unit to provide free treatment and referrals while also shattering the stigmas that left those in pain suffering in silence, fearful that seeking treatment could lead to repercussions.

Dr. David Sitt, co-chair of SBH’s Mental Health Division and an SBH board member, believes the fact that anyone reaching out to the Mental Health Division also has access to more than 150 other free programs offered by SBH at no charge is a game changer.

“Someone who comes in for therapy may have other needs, whether they are financial burdens, medical issues or needing help with a job search,” said Dr. Sitt. “What makes SBH stand out is that we have multiple divisions to treat the whole person and the whole family and if someone starts out in a different division and it turns out that they need mental health support, we are ready to receive them as well.”

The MHD’s counseling center employs over 30 clinicians, two psychiatric nurse practitioners and a psychiatrist who treats patients of all ages. The counseling center recently streamlined its intake process so that even patients with multiple issues can get the help they need with a single call.

A tenured professor at Baruch College, Dr. Sitt earned his PsyD from Yeshiva University, with a clinical specialty in adult ADHD, which has become increasingly prevalent in recent years, particularly through the pandemic. SBH saw its numbers skyrocketing during COVID, providing 20,000 counseling sessions to over 500 families in 2020.

“There was a very real uptick in mental health crises, whether it was anxiety, depression or substance abuse disorders,” said Dr. Sitt. “We are still feeling the impact of the destruction of the school and work environments.”

“Kids are really, really struggling,” added Dr. Susan Schmool, director of SBH’s Mental Health Resource, known as the MHR. “We are seeing a rise in bullying, more disruptive behavior and a lack of socials skills, boundaries and communication skills, all due to COVID.”

Dr. Schmool also has a prior history with SBH, having volunteered with its Medical Division and its Sephardic Educational Advocacy and Resources for Children program, known as SEARCH, 25 years ago. Inspired by her time at SBH, she decided to pursue a degree and earned a PhD in educational psychology, ultimately paving the way for her return to SBH last year to head up the MHR, a program that encompasses a referral line and offers preventive and educational programming to promote emotional wellness. This program gives Dr. Schmool the ability to keep her finger on the communal pulse, with offering targeted lectures, support groups and other services as particular needs arise.

“Sometimes I have clinicians telling me that they have several clients who would benefit from participating in a particular support group, or we could have a program about respect, going into community high schools to teach them about relationships,” said Dr. Schmool. “Our Courage to Heal program in schools raises awareness about sexual abuse and we do staff trainings and parent training as well.”

That willingness to continue broadening its scope of operations is what turned SBH into the multi-faceted entity that it is today, one that has prioritized excellence and compassion for close to 50 years. That same sense of responsibility and commitment are the underlying foundations of the Mental Health Division, which prides itself on being an all-in-one resource for emotional and mental wellness for children, adolescents, couples and families.

“We are excited to get the word out about what we have to offer,” said Dr. David Sitt. “SBH was founded on helping people in distress and we are proud to be carrying on that tradition in the Mental Health Division, treating the whole person in order to ensure their mental and emotional wellness.”

“We try to get people the help they need, whether it is relationship issues, depression, anxiety or trauma,” added Shlomo Lieberman, LCSW, director of SBH’s Mental Health Division. “Whatever the issue, we are here to treat people with the right care.”

Lieberman began working with SBH in 1991 as a social work student, returning again in 2000 after a two year stint in Israel. He left SBH in 2005 to open a private practice, rejoining the SBH family once again in 2021. As director of the MHD, ensuring that all of SBH’s many divisions are readily available to those seeking mental health treatment through either the counseling center or MHR has become Lieberman’s top priority.

“We want people to understand that it takes just one call to get the right treatment,” explained Lieberman. “We have concierge services to make sure that people are directed to the right divisions, so if someone calls us for a mental health issue we can work on the other pieces of the puzzle as well.”

MHD committee member Dr. Ayla Sitt co-chairs SBH’s Courage to Heal, which runs a confidential, anonymous hotline providing support to victims of domestic, sexual and emotional abuse as well as preventative training programs. A senior psychologist and dialectical behavior therapy specialist at NYCBT who specializes in peri and post-natal therapy, Dr. Ayla Sitt credited the counseling center’s administrative and clinical directors, Rhonda Chabbott, LMHC and Tziporah Langer, LCSW, for their joint efforts, which have impacted the community far and wide.

“They are role models for all, bringing dedication, skill and heart to SBH’s counseling center,” said Dr. Ayla Sitt. “Their efforts will help SBH continue providing top-level care for the community.”

Despite its growing size, SBH’s Mental Health Division remains an initiative whose heart and soul is the close-knit community, one that goes all out to take care of its own.

“While our division is staffed by incredible mental health professionals, what makes it extra unique is the dedication of our volunteers,” noted SBH president David J. Beyda. “Community leaders like Steven Balasiano, Ronnie Tawil and Rena Ashear dedicate so much of their time to ensuring that our Mental Health Division—and SBH as a whole—can support the growing needs of our community.”

SBH Mental Health can be reached at 718-787-1300, mentalhealth@sbhonline.org, or by visiting sbhonline.org/mental-health-referral. All calls and emails are strictly confidential.

Sandy Eller is a freelance writer who writes for websites, newspapers, magazines and private clients.

Anna X. Tripolitis

It takes a village—A phrase typically used when referring to raising children can also point to an essential part of recovery—community. Although recovery is a very personal journey, being a part of something larger than yourself gives you a sense of purpose, belonging, and inclusion. A community serves as a reminder that you are not alone and provides a lifeline when your journey feels too daunting to move through.

Addiction is an isolating disease. As addiction progresses, those struggling become increasingly desperate to hold onto the things that are destroying them at all costs. When someone isn’t willing to give up the substances to face what is happening in their lives, they begin to distance themselves from their community. However, this doesn’t mean that their community is lost forever.

When one chooses to recover, it requires opening up, being vulnerable, sharing feelings, and, perhaps most importantly, asking for help. And while the desire and drive to stay sober take personal power and internal strength, it is amplified by having a caring community to provide friendship and support throughout the recovery process. Experiencing a sense of belonging and inclusion encourages the development of trust. It builds meaningful relationships with people who can help them face newfound feelings and challenges by providing accountability and encouragement. For example, suppose someone’s friend suspects they might be struggling or isolating; that friend can talk to them about it before it becomes unmanageable. This friend can walk them through the challenges they may be facing, helping them stay on a stable path and avoid relapse.

Now, how does someone even find community? Where do they start? Establishing a community can feel very intimidating, but the good news is that community can be found anywhere; in the workplace, through family, synagogue or school. However, establishing a sober community is the best way to secure community support in early recovery. Those found in these communities are more likely to provide specific support that is valuable in the early days of recovery. One way is to find community meetings like Alcoholics Anonymous or SMART Recovery, which people can usually locate online. People have also found sober support online via social media and websites like meetup.com. Although it may feel intimidating, establishing a sober specific community early in recovery could be the difference between life and death.

However, expanding their support network to communities outside of recovery and sobriety can also be beneficial as people move through their recovery journey. Expanding a support network can mean volunteering, participating in a book club, or joining a fitness or wellness community like a gym or yoga studio. By creating a community with interests other than sobriety, a person in recovery creates consistent and healthy habits. These habits encourage regular social interaction and positive coping skills, which are valuable aspects of recovery.

While finding a community can feel like a daunting task, it has been an essential part of human nature throughout history. Unfortunately, those struggling with substance use disorder often ignore their need for social connection to hold onto their addiction when in active addiction. But suppose they return to their need for connection and embark on their recovery journey. In that case, their future can quickly become a more positive one. By having a community, those who struggle with addiction decrease their isolation and, as a result, reduce the risk of depression, resentment, and relapse.

If you or someone you love are looking for a way to find community support and need help getting started, The SAFE Foundation can offer ways to help. In addition to individualized counseling and various support groups, counselors can provide other ideas to create a community so that each individual makes a community that’s helpful for them. If you are struggling, reach out and ask for help. You don’t have to do this alone; nobody should have to. For help, call 1-718-GET-SAFE, 24/7 for assistance.

Anna Tripolitis, originally from St. Louis Missouri, is a passionate member of the recovery community. After getting an undergraduate degree in psychology, she shifted her focus to using her graphic design, art, and social media skills to help aid causes she cares about. Being able to work with The SAFE Foundation and utilize social media to educate and empower the community has been fulfilling work and further deepens Anna’s passion for mental health and recovery awareness.

LAURA SHAMMAH MS, RDN

SEEDS, IN GENERAL, ARE GREAT SOURCES OF FIBER. THEY ALSO CONTAIN HEALTHY MONOUNSATURATED FATS, POLYUNSATURATED FATS AND MANY IMPORTANT VITAMINS, MINERALS AND ANTIOXIDANTS. WHEN CONSUMED AS PART OF A HEALTHY DIET, SEEDS CAN HELP REDUCE BLOOD SUGAR, CHOLESTEROL AND BLOOD PRESSURE. CHIA SEEDS, IN PARTICULAR, ARE AMONG THE HEALTHIEST FOODS ON THE PLANET.

One tablespoon of chia seeds has more calcium than a glass of milk, more Omega-3s than salmon, and more antioxidants than blueberries.

They’re rich in polyunsaturated fats, especially omega-3 fatty acids. The omega-3s in chia seeds can help reduce inflammation, enhance cognitive performance and reduce high cholesterol. They are also an excellent source of fiber, with 10 grams in only 2 tablespoons. That is one-third of the daily recommended intake of fiber per day. Fiber is associated with reducing inflammation, lowering cholesterol and regulating bowel function.

Chia seeds are rich in antioxidants that help protect the body from free radicals, aging, and cancer. The high antioxidant profile also helps them have a long shelf life. They last almost two years without refrigeration.

As if that were not enough, they’re also high in phosphorus, magnesium and manganese. These nutrients help prevent hypertension and they help you maintain a healthy weight. And they are very filling and keep you satisfied, which helps lower food cravings between meals. The combination of protein and fiber contribute to their satiating effects. They’re also gluten free.

Unlike flaxseeds, chia seeds can be digested whole. They lower triglycerides and cholesterol levels while increasing HDL or “good” cholesterol, and they play an important role in regulating insulin levels. They reduce insulin resistance and decrease abnormally high levels of insulin in the blood.

HOW TO COOK WITH CHIA SEEDS
Chia seeds can be used as an egg replacer. The outer layer of the seeds swell when mixed with liquids to form a gel. This can be used in place of eggs to lower cholesterol and increase the nutrient content of foods and baked goods. To make the egg replacement, mix 1 tablespoon of chia seeds with 3 tablespoons of water and let it sit for 15 minutes.

They can also be used to thicken soups or gravies, and to thicken meatballs instead of breadcrumbs. They taste great sprinkled on salads and yogurt and as a breading for fish or chicken.

Laura Shammah MS, RDN has a masters degree in health and nutrition and is a registered dietitian. She has been operating her own private practice in both New York and NJ for over 20 years. She is happily married and has four children.

NATALIE SENIOR GREENBERG

A new and exciting cultural destination will open this fall in New York! called Hall de Lumières, it will be the city’s first permanent venue to experience immersive digital art and showcase a new, innovative way for audiences to interact with artists and their work. It will present new, exhibitions every ten to twelve months based on the work of different world-renowned artists, beginning with their first exhibition—Gustav Klimt: Gold in Motion.

This exhibit will feature glowing, animated images of historic artworks by this early modernist master, blended with music and displayed against the landmark interior architecture of the former Emigrant Industrial Savings Bank located at 49 Chambers Street, across from City Hall. If you have seen and enjoyed Van Gogh: The Immersive Experience, then you will love Gustav Klimt: Gold in Motion.

Gustav Klimt painted at the beginning of the 20th century and was influenced by the then current styles of Art Nouveau or Jugendstil. These styles were originally applied to the decorative arts but then extended to the fine arts. They were organic motifs with the curlicues, asymmetry, and swirling lines of nature.

He is most famous for his Gold Period of paintings, where he used actual gold and silver leaf for a gleaming effect in his work. The son of a gilder, Klimt integrated the fine layers of gold and silver leaf into his work to merge the figures with the background and convey an impression of otherworldly treasure. His use of gold gives his works a timeless quality; the absence of perspective and shadow make them look like religious icons reminiscent of medieval paintings and illuminated manuscripts. Klimt’s Gold Period produced many beloved masterpieces including The Kiss, Judith, and Adele Bloch Bauer.

In one of Klimt’s most famous works, The Kiss, he depicts a couple locked in an embrace. All that is visible of the couple are parts of their heads. The rest of the painting dissolves into a shimmering, flat patterning of gold and geometric shapes. He uses rounds and ovals on the woman’s clothing and mostly rectangular shapes on the man’s garment. The entire work glows and visually expresses the emotional and physical explosion of love.

At Gustav Klimt: Gold in Motion, visitors will experience six distinct sequences carrying them through the artist’s life and the major themes of his work. Visitors will be able to learn about his early days as a painter in the late 19th century, decorating the lavish public buildings of Vienna. In the early 20th century, Klimt began to express himself in a more personal style. He became a leader of the Vienna Secession, a movement that broke from the traditional styles of the past and moved toward a more modern view.

The installation features luminescent, 30-foot-high images of famous works by Klimt, moving across the spectacular architecture and aligned precisely to the specifications of the building. A musical soundtrack created specifically for this presentation completes this beautiful, sensory experience.

Visitors to the Hall de Lumières will also be able to learn about the history and design of the Emigrant Savings Bank, which was built around the same time as Klimt was creating his masterpieces. It was one of the first skyscrapers built in the Beaux-Arts style. Also on view will be panels displaying images of Klimt’s paintings shown at actual scale, with information about the museums across the globe where these works can be seen.

In addition to his works, the show will feature other early 20th century Austrian artists who were influenced by Klimt, including Egon Schiele and Friedensreich Hundertwasser.

If after seeing this exhibit you would like to see actual paintings by Gustav Klimt, here are some other New York museums that feature his work: The Neue Gallerie (86th Street and Fifth Avenue) houses Klimt’s Adele Bloch Bauer, a painting so dazzling, that it is difficult not to be totally entranced by it. This painting has an interesting back-story. In 1938, the Nazi’s stole it from the Jewish Bloch-Bauer family. The descendants of its original owners recently recovered it from the Austrian government after a prolonged court battle. It was then sold to Ronald Lauder, who is now displaying it as the centerpiece of his Neue Gallerie Museum.

The Museum of Modern Art (West 54th Street, between 5th and 6th Avenues) exhibits Klimt’s Hope, a painting of a pregnant woman who is praying for the safety of her baby. This work, with its swirling shapes and exuberant colors, embodies the feelings associated with the miracle of childbirth. It is the gift of this painter to be able to draw the viewer into his paintings and impart such emotion.

On view at the Metropolitan Museum of Art (82nd Street and Fifth Avenue) are two noteworthy paintings by Klimt; Mada Primavesi, a portrait of a 9 year old girl. It was commissioned by her parents, who were supporters of progressive Viennese art. An earlier portrait by Klimt, of Serena Pulitzer Lederer, was painted with soft sinuous brushstrokes in all white. Lederer’s husband commissioned this portrait of his wife and became one of Klimt’s most important patrons in the years to come. Other works commissioned by Klimt for the Lederer family were seized as Jewish property by the Nazi’s in the early 1940s and then stored at Schloss Immendorf, a castle in Austria. The German troops set it on fire as the Russians approached in 1945, in the last days of WWII. It is so sad that the world has lost these important paintings.

Hall de Lumieres opened on September 14, 2022. Hours: Sunday through Wednesday, 10 A.M. to 7 P.M. Thursday through Saturday, 10 A.M. to 10 P.M. It is located at 49 Chambers Street New York.

Natalie Senior Greenberg is a Brooklyn College Art History professor, and the founder, curator and owner of an online art gallery.

BEN-GURION MATSAS

Download the eBook from: www.deltadigitalacademy.com/product/positive/.

THE BOOK THE POWER OF POSITIVE THINKING IS THE ULTIMATE BLUEPRINT FOR PEOPLE WHO WANT TO PROGRESS FURTHER IN LIFE WITH A SIMPLE MINDSET SWITCH. POSITIVE THINKING AND RELENTLESS OPTIMISM IN ANY CIRCUMSTANCE ARE THE SECRETS TO LIVING A HEALTHY, HAPPY, FULFILLED AND MORE SUCCESSFUL LIFE.

In this book you will discover everything you need to know about The Power of Positive Thinking. Proven and powerful strategies the elites use to mold their winning mindset, the benefits of adopting a positive mindset, simple step-by-step action plans to train your mind to think positively in bad situations, and how to develop your thinking systems for success.

If you want to unleash your full potential in life and create your own success story—then this is the ultimate success book you have been looking for.

Do you view yourself as someone who has a positive outlook on life? Do you hope that good things are coming your way soon? Well, one thing that is important to note is that positive thinking is a mental and emotional attitude. It pays a closer focus and interest on the bright side of life with the hope of having a positive outcome.

Thinking positively does not mean that you should bury your head in the sand. It does not mean that you should ignore life’s painful and unpleasant situations. It simply means having the ability to approach life more positively and productively even in the face of unpleasantness. Even when things are not going your way, you keep your head up and look for hidden lessons and opportunities in bad situations!

It is important for you to notice that you have the power to change your mindset. It all starts with self-talk. In other words, you must begin by stimulating endless streams of positive thoughts running through your head. The truth is, these thoughts can take two forms; the negative and the positive mainly because most of what you think is derived from logic and reason. However, other self-talks may arise from having misconceptions and assumptions that result from a lack of information.

If you have more negative thoughts running through your mind, most likely you are a pessimist. On the other hand, if most of the thoughts you have about life are positive, there is a good chance that you are an optimist. In other words, you are someone that exercises positive thinking.

When you focus on the positive, you will mentally anticipate good health, success, and happiness. You believe that even when faced with the most challenging and difficult situations, you will eventually overcome them. In other words, having positive thinking is not a concept that everyone believes in. Some people will see it as nonsense and scoff at those that believe in the power of positive thinking. The good news is that there are so many people who are slowly seeing the important role that positive thinking has on their lives and believe that it is effective.

One thing that you must bear in mind is that if you want to use the power of positive thinking in your life, you must be more than just aware of the fact that it exists. You must be ready to adopt it in all your daily activities! There is so much research that reveals that positive thinking is not just about happiness and having an upbeat attitude. It is through positive thinking that you can create real value in your life by establishing long-lasting skills that last longer than a mere smile.

Ben-Gurion Matsas is the editor/publisher of Image Magazine, specializing in advertising and marketing. He is also a business consultant and personal coach.

SARINA ROFFÉ

JEWISH EDUCATION HAS BEEN AT THE FOREFRONT OF RABBI ZAKI SARDAR’S LIFE SINCE HE WAS A YOUNG MAN IN ALEPPO. FOLLOWING IN THE STEPS OF HIS FATHER, ELIYAHU SARDAR A”H, AND GRANDFATHER, MORDECHAI SARDAR A”H, BOTH OF WHOM WERE SHOKHETS IN ALEPPO, RABBI SARDAR HAS COMMITTED HIS ENTIRE LIFE TO TEACHING BOYS ALL ASPECTS OF JEWISH EDUCATION.

Raised in the post 1948 years in Aleppo, Rabbi Sardar had a difficult life under the Syrian regime. With no Jewish high schools, he had to attend Catholic school.

When he was just 19, Rabbi Sardar was the gabbay (assistant) in the knees (synagogue) in Jamileh. He took meticulous care of the synagogue, managed the school and assisted the many needy families. He collected donations before holidays to give gift certificates for food for to the poor.

A student of Hakham Yomtob Yedid A”H, Rabbi Sardar learned how to be a teacher. It came naturally and the students connected with his sincerity. He taught elementary Hebrew and Talmud Torah in Aleppo. He quickly became assistant principal at the high school in Aleppo, where he also taught Arabic to high school students.

“He was my teacher when I was in sixth grade,” said Morris Bawabeh. “Rabbi Sardar does a lot of things for the community, the shul and our religion. He enjoys teaching the children and makes them superior in any subject he teaches. He brings out the best in the students. All of his classes loved him. He is patient and puts a lot of effort into teaching in a way that engages the students and keeps them interested. He is very unique among teachers.”

There are many in the community who were students of Rabbi Sardar in Aleppo. He taught Arabic reading and grammar to Rabbi Edmond Nahum and Rabbi Isaac Farhi. He also taught Hebrew prayer to girls from 1976 to 1992.

The children needed other things as well, such as food to keep them in good health. Indoor heat was rare in Aleppo and there was no heat in the synagogue or any community buildings. Rabbi Sardar, worried about his students, found a way to bring heat into the classroom, by running a line from the basement.

Married to Adele Gindi, they have five sons who married in the community. One son is a doctor, another is a lawyer and three are in business. Adele and her sons Edmond and Michael came to the United States in 1988 because there was no future in Aleppo. Rabbi Sardar and his other three sons came in 1992. The family speaks Arabic at home and in the office. Rabbi Sardar left Syria on July 7, 1992, with the 1992 airlift that brought a majority of the remaining Syrian Jews to New York.

“After I left school, I hired him to work with me in Syria,” said Mr. Bawabeh. When we came to New York, he began working with my brother. He handles Mattan Besseter and deals with all the schools. He helps a lot of people.”

“When I came to America, Aslan Bawabeh opened a business,” said Rabbi Sardar. “He called me when I came and he asked me to work for him.”

Shortly after arriving in New York, Rabbi Sardar also began teaching boys to read Torah at Congregation Shaare Zion. Today, he works full time as a volunteer with Mattan Basseter, a project of the Bawabeh family, which helps students at community yeshivot with tuition. The organization began in 1993.

“Tuition at yeshivahs is very high,” said Rabbi Sardar. “We help about 100 families a year by sending tuition to the schools. I meet with the families to see their income and expenses. Some are divorced or have health issues. Sometimes they need food, so I give them gift cards to buy food or clothing. The amount varies based on the family’s needs.”

Frida Tessone, now retired from Yeshivah of Flatbush, said “Rabbi Sardar is very good hearted. There isn’t one time when I asked him to help a family when he didn’t do it. He answers texts and emails immediately. I had a neighbor who had a lot of children and no job. He sent her money to buy food; he answered the call. If I told him a person needed help, he didn’t question it. I wish there were more people like him. What sets him aside is he listens and answers. He doesn’t push you away; he always does what he says he will do. He never reneged. A lot of parents can vouch for him.”

“Rabbi Sardar is an expert on the customs of Syria,” said Rabbi Eli Mansour. “He is the go-to guy about anything that happened in the old country. He has pure motivation to help people and preserve our traditions. When people go up to the Torah on Shabbat, he gives them a blessing and it is very flowery. He is very humble. He is always happy and passionate. Everyone loves him; I am a big admirer.”

A genealogist and historian, Sarina Roffé is the author of Branching Out from Sepharad (Sephardic Heritage Project, 2017), Sarina holds a BA in Journalism, and MA in Jewish Studies and an MBA.

FOR MOMMIES & INFANTS

DSN AIMS TO WARMLY ENVELOP NEW FAMILIES THAT MOVE TO NEW JERSEY. FOR THE YOUNGEST OF FAMILIES, DSN PROVIDES THE PERFECT PLATFORM. CATERING TO INFANTS 0-12 MONTHS, MOMMY AND ME PROGRAMS SERVE A FUNDAMENTAL PURPOSE AND ARE ALWAYS A SUCCESS.

They welcome new families to DSN and the community. The program keeps things fresh and vibrant with a variety of offerings: one-day events, hesed- related events, stroller walks, hangouts, music programs and several baby series’. One critical reason DSN membership is a lifeline for the Jersey Shore community is because of its vital programs and entertainment for children.

Every parent agrees that although the adult fitness and other adult programs are beneficial, their kids always come first. Adult Program Director Caleigh Silvera, who champions the program, enthusiastically stated, “We love organizing Mommy and Me programs, and the turnouts have been tremendous. We are grateful to be able to serve mothers and their precious, adorable babies.”

In September, DSN arranged stroller walks on the Asbury Boardwalk. Many mothers who are new to New Jersey were looking for ways to socialize and stimulate their children. Fortune Chalme, a mother of three noted, “I tell all my friends to do the stroller walks. What an easy and fun way to get some fresh air, hang with other moms and also spend time with your baby! I never miss one.”

DSN just welcomed Jacqueline Bailey, a new mother herself, who recently moved to New Jersey, as a Baby Music Instructor. Her first class boasted over 20 babies. It was immediately clear that everyone loved the class. So, reflecting the desire of the community, DSN created a music series, offered at different times for children with different nap schedules. Mom Becky Kassin stated, “Jacqueline was a burst of energy that captivated the children and left smiles on everyone’s faces. Mine included!”

DSN also proudly implemented its first ever Jewish Holiday Series with Gila Sutton, who previously taught children’s classes in New York City. Gila, a mother of three, noted, “tremendous planning and thought went into the execution of each of her four-part series, focusing on Rosh Hashanah, Yom Kippur, Sukkot and finishing with Shabbat. I love that children could start to be softly introduced to different facets of Judaism.” Mom Liat Kassin was elated. She stated, “I have wanted something like this for so long! I’ve seen it done before in the city and was thrilled when I saw DSN post about this. I must have been the first to sign up!”

In each class the children did a focused activity—sensory play, book time, music and bubbles. On Rosh Hashanah the children stamped apples with washable red paint to make their first art pieces, played with pomegranate seeds and honey in separate plastic Ziplocs, read the book Rosh Hashanah is Coming by Tracy Newman, and truly had the best time.

Executive Director Sammy Sitt summarized, “There’s nothing that our community treasures more than our children. Seeing mothers and their infants coming together within DSN’s professional programming is very gratifying. Thanks to Caleigh Silvera and our entire staff for their passionate commitment to ensure our community is the best in the world.”

FOR THE PAST 24 YEARS, BARKAI YESHIVAH HAS BEEN A CENTER OF ACADEMIC EXCELLENCE, BUILDING THE UNIQUE POTENTIAL OF EACH STUDENT TO VIEW THE ENTIRETY OF THE WORLD THROUGH THE FRAMEWORK OF THE TORAH.

The journey will officially continue with the opening of Barkai Yeshivah High School in September 2023. What makes Barkai Yeshivah unique is the educational experience in which its students live what they learn.

Our Sephardic heritage is instilled in our students through minhagim that are practiced, pizmonim that are sung and meaningful tefillot that are recited in the proper and relevant maqam each morning. The 39 Melakhot forbidden on Shabbat are practiced in the classroom and the school garden with wheat, berries and other resources. The Hebrew language might be taught in the classroom through books and exercises, but it surpasses the text and permeates conversations held throughout the building. History is more than a subject. Students take an active role in their studies by bringing them to life with an original play written, produced, and performed by the students themselves. This integrative approach provides them with the tools and skills to view the world from a distinct perspective.

At Barkai we teach the whole child, developing students who are nuanced, self-aware, emotionally confident, critical thinkers and have a very strong sense of identity. Every curricular decision, logistical move, and activity is thoughtfully planned to remind our students what it means to be a compassionate, respectful and dignified person. Our children recognize that their choices in all aspects of life matter.

“We are not teaching content. We are teaching people,” Head of School Rabbi Richard Tobias commented at a recent school event. The approach to education in Barkai Yeshivah High School will be dynamic, to remain in line with the needs of teenagers as they grow into adulthood. Our high schoolers will receive this experience creating young men and women who are creative, compassionate, curious and committed. They will be grounded in tradition, dedicated to Torah and mitzvot, college bound, career ready and ever adapting for the 21st century.

With all the inquiries we have been receiving, we are proud to announce our Open House event. To learn more about what the high school will be offering and what makes us unique, join us on Wednesday, November 30th at 7:30 PM at Congregation Beth Torah. You can register for the open house @barkaihs or by visiting our website at Barkaihs.org.

ON SEPTEMBER 20TH ESHELNY HELD ITS KICKOFF EVENT AT THE AVENUE N JEWISH CENTER. OVER 40 COLLEGE AGE STUDENTS AND YOUNG MOTHERS CAME TOGETHER TO HELP CREATE A NEW COMMUNITY OF LEARNERS. ALICIA MATSAS, DIRECTOR OF ESHELNY INTRODUCED THE VISION OF ESHELNY AS A PLACE FOR YOUNG WOMEN OF THE COMMUNITY TO CONTINUE THEIR LEARNING AND GROWTH.

In keeping with the mission of Midreshet Eshel seminary in Jerusalem to combine personal and spiritual growth, the evening consisted of dinner, a presentation by alumni of Midreshet Eshel who serve as advisors to the younger generation of students, followed by a high level class given by Rabbi Richard Tobias on Yamim Noraim: Living With Uncertainty.

“The program is designed to afford college age students and young adult women the opportunity to come together to learn, to grow, to be the best version of themselves as Jews and as people,” explained Miriam Tawil, Director of Midreshet Eshel in Israel. While many of the participants had spent time studying in Israel other participants had not.

“This program is designed to give young adult women free access to a warm environment of like-minded, growth oriented girls who can learn and foster their relationship with Hashem together, even outside of Israel.” said Alicia Matsas. One role model or advisor was Gitta Matalon, alumna of Midreshet Eshel 2015, and now a young mother of three. “EshelNY brings the ruach of seminary back home. There are classes every week by amazing teachers, mentors for guidance, and best of all—alongside them, a community of learners.”

Audrey Sutton, 2020 alumna noted the following, “I believe EshelNY will help to unite former Eshel students with community members who attended other seminaries, or no seminary at all, and form a community of women who want somewhere to strengthen their Torah knowledge.” Bonnie Melamed who did not attend a seminary program in Israel observed, “something special about this program is that it provides us with access to advisors who have gone through a similar process in maintaining a relationship with Hashem after high school or their year in Israel.”

Sarah Mizrahi recalls the following, “Although I did not personally go to Midreshet Eshel for a gap year post high school in Israel, I am still a part of Eshel NY. This newly established program welcomed me with open arms despite me being an ‘outsider.’ Whether you went to a different Midrasha or did not even go to Israel at all, EshelNY can help you find—and support you on—your personal spiritual journey.”

“EshelNY is the perfect environment for young adult women in the community to continue to instill Torah learning in their everyday lives and inspire them to continue on their spiritual journeys,” explained Marlene Levy, Advisor and Midreshet Eshel alumna 2017, and recent graduate of Stern, YU. Vicky Zeitounie Eshel Alumna 2019 described how EshelNY offers a type of learning that one can’t get anywhere else. “It’s an unbelievable program that not only offers incredible classes with handpicked teachers, but also connects everyone with a mentor to build a connection that will last a lifetime.”

The Fall Semester of EshelNY is offering weekly classes on Tuesday nights at 7:15 P.M., at the Avenue N Congregation, located at 321 Avenue N. The classes are based on two themes: Growth through Parashah taught by Rabbi Richard Tobias and Character Development taught by Mrs. Rachelle Tawil and Mrs. Victoria Chabot Berman. All classes are textually based accompanied by take home insights and practical skills. A special workshop on Spirituality & Mindfulness will be given by Mrs. Robin Shaoul, L.C.S.W. to conclude the series.

Young women interested in joining EshelNY’s community of learners free of charge can reach out to Alica Matsas at igniteyoursoul3@gmail.com. Those righteous individuals who are interested in sponsoring a night of learning can also reach out to Alicia.

ARI BAUM CFP®

“THE ONLY WAY TO DECREASE MY TAXES IS TO REDUCE MY INCOME.” MANY AMERICANS FEEL SIMILARLY, BUT THERE’S A BETTER WAY. WHILE YOU’D LIKE TO PAY LESS, YOU DON’T WANT UNCLE SAM KNOCKING ON YOUR DOOR FOR AN AUDIT EITHER! TAX FORMS CAN BE COMPLICATED AND OPAQUE, MAKING IT HARD TO KNOW IF YOU’RE CLAIMING THE RIGHT AMOUNT IN DEDUCTIONS AND CREDITS. YOU’RE TIRED OF FEELING LIKE SOMEONE’S TAKING ADVANTAGE OF YOU WHEN IT COMES TO TAXES.

It’s not that you object to paying your fair share, the problem is you don’t really know if the amount you’re paying is fair. It might stress you out so much that you delay meetings with your accountant—but the thought of filing late gives you gut-wrenching anxiety!

The good news is that there may be some tax opportunities buried in your tax return, and all you need to do is a little digging. The bad news is that some of these opportunities could disappear if they aren’t used before midnight on December 31, 2022.

BE CHARITABLE AND SKIP YOUR REQUIRED WITHDRAWALS
The 2017 Tax Cuts and Jobs Act (TCJA) rolled back the required age for minimum withdrawals from retirement accounts from age 70½ to 72. If you don’t need the income when you turn 72, you may resent having to pay taxes on withdrawals you don’t need to take. That’s money that you’d prefer to leave in your retirement account for later when you may need it or you want to provide a legacy.

That’s where charity comes to the rescue. Why wait to give money to a favorite cause until after your death? Instead, you can give them operating cash up to $100,000 today through your Required Minimum Distribution (RMD) and avoid paying taxes on your withdrawal. This strategy is known as the Qualified Charitable Deduction, or QCD.

It’s critical to send the money directly to the charity from your retirement account, because the contribution is disqualified if the money makes a stop in your checking or other account along the way. As long as you follow the requirements, your QCD allows you to achieve the simultaneous objectives of supporting a cause that’s near-and-dear to you and reducing the amount of taxes you have to pay Uncle Sam.

MAKE THE RIGHT INVESTMENT ACCOUNT MOVES
Do you have the right investments in the right account? It’s not just about finding savvy investments, it’s also about determining where to put them. After all, as they say in real estate, it’s all about location, location, location.

Some types of assets perform better in one type of account over another. Ensuring you’ve got the right assets in the right places can potentially help you lower your tax bill.

If you own your own business, you have access to a variety of retirement plans. Depending on your business, you may be able to set aside more retirement money in one plan compared to another. Do you have the right plan for your business?

GATHER YOUR DEDUCTIONS WHILE YOU CAN
As every business owner knows, deductions are key to reducing your tax exposure. Even if you’re not an entrepreneur, tax deductions are hugely beneficial. Tax deductions that wealthy people have relied on for years such as state and local tax deductions, including mortgage interest and charitable deductions, were seriously cut back through the TCJA of 2017.

If your 2023 property taxes are billed or levied before the end of 2022, prepay them and claim them as a deduction if possible. (Note: You can’t claim your 2023 property taxes in 2022 unless they’re formally billed by your local government before December 31, 2022, even if you’ve already paid them).

Unreimbursed medical expenses are deductible if they meet the 7.5% Adjusted Gross Income (AGI) floor, so accelerate any medical procedures and payments that your health insurance doesn’t cover. These also include items such as long term care premiums and home modifications if you’re planning to age in place. While you can’t prepay for services you intend to have in 2023, you can increase your deductible expenses by scheduling services and procedures before December 31, 2022 that you would otherwise postpone.

WRING OUT YOUR 2022 TAX RATES
2022 tax rates are relatively low, especially for high earners. Depending on how the midterm elections shake out, making the most of the tax rate you have in 2022 could be a very smart move!

Mining the most value out of your tax rate could mean doing some Roth conversions, or even harvesting some capital gains on your investments. Since stock prices are dropping, it could be a great time to take some profit off the table and then reinvest at a lower price point—as long as you stay on the right side of the wash sale rules! These techniques must be completed by December 31 to be on your tax return for this year.

BE CONFIDENT THAT YOU’VE DESIGNED A SOLID TAX PLANNING STRATEGY
You’re a high-earning taxpayer who wants to pay your fair share in taxes—but no more than that. Billionaires who have far more money than you do often pay far less in taxes, which leaves you feeling like you’re being taken advantage of.

Fortunately, you don’t have to keep feeling that way. Understanding what the ultra-wealthy do and some of the strategies they use can help you legally reduce your tax burden. By operating within the rules, you can pay less and still not worry about an IRS audit.

However, you can’t just plan—you’ve got to execute on your strategy. Act fast because many of these opportunities turn right back into lumps of IRS code when the stock exchange closes on December 31 and some of these techniques may disappear forever by that deadline as well.

Another tool that the ultra-wealthy use is actually pretty simple: the help of knowledgeable professionals. It’s one thing to get stock tips from your brother-in-law, best friend, or college roommate, but quite another to put together and find what your personal plan has been missing.

The content is developed from sources believed to be providing accurate information. Consult your financial professional before making any investment decision. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss. Past performance does not guarantee future results.

Ari Baum, CFP® is the founder and CEO of Endurance Wealth Partners. With over 25 years of experience in the Financial Services industry, he brings his in-depth experience to Conceive, Believe, Achieve, for his clients.

Securities and Advisory services offered through Prospera Financial Services Inc. Member FINRA/SIPC.

Brokerage and Advisory accounts carried by Wells Fargo Clearing Services, LLC.