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By Daniel Dunaief

Daniel Dunaief

You can’t win.

I don’t have to tell you that. One way or another, in one context or another, you already know.

You see, I floss my teeth religiously. I mean, I don’t do it while praying or to some funky weird sounding music that you might hear in a massage parlor, where they speak in whispers and the room smells like scented candles.

No, my wife and I, and sometimes a good friend or two, will take out floss and work through our teeth. I’m not sure how it became a social activity, but we enjoy it and feel virtuous at the same time.

I’ve become so good at it and it’s become so routine that I know the space, or lack thereof, between my teeth better than I know the back of my hand, which, at the moment is cracking and dry because of the cold air and the dry weather.

I try to suppress a smirk when I go to the dentist and a hygienist tries to work floss between my teeth. I could tell them, like a tooth GPS system, where to go, how hard to push and at what angle.

Sooner or later, they get that piece of floss in between my teeth.

So, now to the you-can’t-win-part. You see, I was flossing my teeth in bed the other day, sitting next to my wife as we navigated back and forth between TV stations, one with a Knicks game and the other with a game show.

Like a concert pianist, I worked the top teeth, gliding along the keys and opening my mouth just enough to get my fingers into position. I use much more floss than my wife, as I wrap rows of floss around my fingers and try not to reuse the same piece between teeth.

After moving to a new section of floss, it was on to the bottom, weaving around the misaligned center of the bottom teeth, which, despite a general straightening thanks to Invisalign from a few years ago, is still unwilling to form a perfect line.

As I got to the bottom left, I gave a tug and, poof! Out came half of a tooth. I thought it might be some larger piece of food that was hiding back there, but, no, the density, size and sharpness on my tongue suggested I shouldn’t swallow it.

“Hey,” I said to my wife, “I just broke a tooth.”

On further review with the piece in my hand, it was clearly a broken tooth.

Flossing, which should be as healthy and helpful as sit ups, stretching or overall general maintenance, shouldn’t be hazardous.

Then again, the previous week, a friend told me he had to have surgery because he brushed his teeth too vigorously. He described how a dentist took a piece of the roof of his mouth and transferred it to his gums. Fortunately, I don’t have the same aggressive brushing technique.

So, the next day, I called my dentist and described the problem. She fit me into her busy schedule.

When she came in the room and asked me to open my mouth, she flinched.

“Yup, that’s going to need a crown,” she offered, trying to keep her voice from reflecting the surprise at the size of the missing piece.

While she was numbing my mouth, a TV next to me was showing a food network competition. That seemed ironic. With a numbed jaw, eating even hours afterwards wasn’t much of an option. Watching people prepare food and hearing critiques of the way the food exploded in their mouths was like driving by a field of magnificent flowers with a bad head cold.

So, now that I’m back from the dentist with a temporary crown and numbness that spreads from my cheek around my lower jaw, I am left to wonder whether flossing is all it’s cracked up to be. Then again, I have had root canal for gum problems. That’s no picnic, either.

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By Leah S. Dunaief

Leah Dunaief,
Publisher

A couple of my favorite restaurants will only accept payment in cash or check. My doctors’ offices will only take credit cards. Perhaps the next thing is that we’ll have to pay in beads, like the Europeans for Manhattan Island.

Those who only take credit cards explained to me that they are preventing robberies. They put up signs saying, “No cash” to dissuade potential thieves. And I suppose those who only take cash are refusing to share their revenue with the credit card companies. I can understand that, especially if the profit margin of the business is only a couple of percent.

But the swinging back and forth is taking its toll, especially on older consumers, who tend to use only cash and are hardest hit in a cashless situation.

“A Fight to Preserve the Value of Cash,” was an article in The New York Times by Paula Span this past Tuesday that addressed the subject.

“Some no-cash practices date to contagion fears after the outbreak of Covid; others are intended to discourage robberies,” explains the reporter. “But such policies are a disadvantage to several groups, including low-income people who don’t have bank accounts, people who have accounts but don’t qualify for credit or debit cards, the homeless, undocumented immigrants and older adults,” she goes on to say. 

Additionally, anyone can have a problem with electronic payments when it comes to paying, which can cause delay and frustration. Natural weather disasters can disrupt electricity and telecommunication networks that fail immediately disconnect a cashless society. Even international thieves can hack bank accounts on the internet. “With cash, a thief has to be within striking distance.”

Another disadvantage of credit cards is that consumers spend more when they are using them because it delays the “pain of paying” until the bill arrives at the end of the month.

And privacy concerns enter into the picture due to “middlemen facilitating digital transactions-credit card companies, banks, the tech giants behind mobile apps-(…) then sell consumers’ data.”

According to Pew Research, only 79 percent of people over 65 have a smartphone, which is often used in cashless systems, compared with 97 percent of those between 30-49. Those over 55 paid in cash 22 percent of the time last year, compared with 12 percent among younger groups, according to the Federal Reserve, as quoted by The NYT. 

And according to a federal survey, 85 percent used the internet for financial services in their 20s and 30s, but the percentage drops as the groups age. For people in their 60s, the number becomes 70 percent, for those in their 70s it is  64 percent, and in their 80s, it’s only about half.

Cash is so simple: no buttons, no passwords, no problems other than the possibility of counterfeit bills.

“Older adults are far more likely than younger ones to lose money to tech support fraud, lottery and sweepstakes swindles, and family impersonations”, according to the Federal Trade Commission and cited in The NYT. Losses to investment and romance cons continue to climb, too.

As a result of an experience I had some years ago, before plastic became so prevalent, I could personally attest to a cashless society working, at least for a few days. 

On my way out the door to my limo ride, I forgot my wallet. I realized half way to the airport and confessed to the driver. “No problem,” he said. “I take credit cards  Do you have one?” Fortunately I did. I then realized that I would depend solely on that card for all my expenses getting to, and from, and while I was at the convention. It was going to be an interesting experiment, I said to myself.

During those four days, I was able to manage quite well with only the card. The future for payments became clear to me.

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Diabetes complications can include permanent vision loss

By David Dunaief, M.D.

Dr. David Dunaief

Diabetic retinopathy (DR) is the leading cause of blindness among U.S. adults, ages 20 to 74 years old (1). As the name implies, it’s a follow-on to diabetes, and it occurs when the blood vessels that feed the light-sensitive tissue at the back of your eye become damaged. It can progress to blurred vision and blindness, typically affecting both eyes.

As of 2023, only about 66 percent of adults with diabetes had a recommended annual eye screening (2). Why is this important? Because the earlier you catch it, the more likely you will be able to prevent or limit permanent vision loss with treatments that target its early stages.

A consequence of DR can be diabetic macular edema (DME) (3). With DME, swelling of the macula, which is an oval spot in the central portion of the retina, can cause significant vision loss. Those with the longest duration of diabetes have the greatest risk for DME.

Unfortunately, the symptoms of vision loss often don’t occur until the later stages of the disorder, after it’s too late to reverse the damage.

How do you treat diabetic macular edema?

DME treatments often include eye injections of anti-VEGF medications, either alone or alongside laser treatments. They work by inhibiting overproduction of a protein called vascular endothelial growth factor (VEGF) (4). These can slow the progression of DME or reverse it (4).

The results from a randomized controlled trial showed that eye injections with ranibizumab (Lucentis) in conjunction with laser treatments, whether laser treatments were given promptly or delayed for at least 24 weeks, were effective in treating DME (5).

Other treatments can include NSAID and/or steroid drops that attempt to reduce swelling of the macula.

Can you reduce DME risk by treating diabetes?

Unfortunately, medications that treat type 2 diabetes do not lower your risk of DME. The THIN trial, a retrospective study, found that a class of diabetes drugs, thiazolidinediones, which includes Avandia and Actos, actually increased the occurrence of DME compared to those who did not use these oral medications (6). Those receiving these drugs had a 1.3 percent incidence of DME at year one, whereas those who did not had a 0.2 percent incidence. This persisted through the 10 years of follow-up. In addition to DME occurrence, the FDA warns of other significant side effects from these drugs.

To make matters worse, of the 103,000 diabetes patients reviewed, those who received both thiazolidinediones and insulin had an even greater incidence of DME. It was unclear whether the findings were caused by the drugs or by the severity of the diabetes, itself.

This contradicts a previous ACCORD eye sub-study, a cross-sectional analysis, which did not show an association between thiazolidinediones and DME (7). This study involved review of 3,473 participants who had photographs taken of the fundus (the back of the eye).

What does this ultimately mean? Both studies had weaknesses. It was not clear how long the patients had been using the thiazolidinediones in either study or whether their sugars were controlled and to what degree. The researchers were also unable to control for all other possible confounding factors (8). There are additional studies underway to clarify these results.

Can glucose control and diet                   change the equation?

The risk of progression of DR was significantly lower with intensive blood sugar controls using medications, one of the few positive highlights of the ACCORD trial (9). Unfortunately, medication-induced intensive blood sugar control also resulted in increased mortality and no significant change in cardiovascular events. However, an inference can be made: a nutrient-dense, plant-based diet that intensively controls blood sugar is likely to decrease the risk of diabetic retinopathy and further vision complications (10, 11).

If you have diabetes, the best way to avoid DR and DME is to maintain effective control of your sugars. It is also crucial that you have a yearly eye exam by an ophthalmologist. This will help detect issues early, before permanent vision loss occurs. If you are taking the oral diabetes class thiazolidinediones, this is especially important.

References:

(1) cdc.gov. (2) odphp.health.gov. (3) mayoclinic.org. (4) Community Eye Health. 2014; 27(87): 44–46. (5) ASRS. Presented 2014 Aug. 11. (6) Arch Intern Med. 2012;172:1005-1011. (7) Arch Ophthalmol. 2010 March;128:312-318. (8) Arch Intern Med. 2012;172:1011-1013. (9) www.nei.nih.gov. (10) OJPM. 2012;2:364-371. (11) Am J Clin Nutr. 2009;89:1588S-1596S.

Dr. David Dunaief is a speaker, author and local lifestyle medicine physician focusing on the integration of medicine, nutrition, fitness and stress management. For further information, visit www.medicalcompassmd.com or consult your personal physician.

 

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One Pan Japanese Salmon

By Heidi Sutton

Whether you’re celebrating a weekend meal or simply looking for a way to eat healthier, seafood night can make dinnertime a special treat. Next time you plan to make fish the focus of your menu, try one of these delicious recipes featuring the best fish in the sea.

Grilled Salmon with Spiced Almonds

Recipe courtesy of Fisher Nuts

Grilled Salmon with Spiced Almonds

YIELD: Makes 6 servings

INGREDIENTS: 

1 cup Greek yogurt

2 teaspoons red wine vinegar

2 teaspoons chopped fresh dill

1 tablespoon chopped fresh mint

1/4 teaspoon ground cumin

1/2 teaspoon paprika

kosher salt

1 small cucumber seeded and small diced

1/2 cup almonds

1 teaspoon extra-virgin olive oil

1/4 teaspoon curry powder

1/8 teaspoon paprika

1/8 teaspoon ground cumin

6 salmon fillets 6-ounces each

kosher salt and black pepper

2 tablespoons extra-virgin olive oil

1 large lime

DIRECTIONS:

To make yogurt sauce, whisk yogurt, red wine vinegar, dill, mint, cumin and paprika in medium bowl with a pinch of salt. Taste for seasoning and adjust as needed. Stir in cucumber. Set aside.

Heat oven to 350° F. Heat grill to medium. In small bowl, toss almonds with olive oil, curry powder, paprika, cumin and a pinch of salt. Spread almonds on baking sheet and toast until golden brown, about 5-8 minutes.

Arrange salmon fillets on baking sheet. Season fish on both sides with salt and pepper. Drizzle with oil. Place salmon on grill and allow to cook until fillets start to lightly char, 5-8 minutes. If desired, grill limes as well. Use metal spatula to gently flip salmon. For medium well or well done, cook a few minutes longer.

To serve, remove fish from grill and transfer to serving platter. Sprinkle fish with a squeeze of lime juice and curried almonds. Serve yogurt sauce on the side.

One-Pan Japanese Salmon

Recipe courtesy of Family Features

One Pan Japanese Salmon

YIELD: Makes 2 servings

INGREDIENTS: 

1 tablespoon sesame oil

1/4 cup tamarind sauce

1/2 tablespoon Dijon mustard

2 tablespoons sesame seeds

1 tablespoon honey

1 sweet potato cut into rounds

2 tablespoons coconut oil divided

1 tablespoon sesame seeds

sea salt

8 spears broccolini

2 salmon fillets 4 ounces each

brown rice for serving

DIRECTIONS:

Preheat oven to 400 F. Line tray with baking paper. To make marinade: In bowl, whisk sesame oil, tamarind sauce, Dijon mustard, sesame seeds and honey until combined. Place sweet potato on baking tray and drizzle with 1 tablespoon coconut oil. Toss to coat. Sprinkle with sesame seeds and sea salt. Roast 25 minutes. Remove tray from oven and add broccolini. Drizzle with remaining coconut oil and sea salt. Place salmon fillets in middle of tray and drizzle with marinade. Bake 12-15 minutes. Serve with brown rice.

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Bruce Stillman, CEO of Cold Spring Harbor Laboratory. Photo courtesy of CSHL

By Daniel Dunaief

The Oscars could learn a thing or two from Cold Spring Harbor Laboratory. The facility, which conducts research in cancer, neuroscience, genomics, quantitative biology and plant biology, hosted its 19th annual Double Helix Award Dinner on Nov. 14.

Front row from left, 2024 Double Helix Medals honorees Dr. Katalin Karikó, Daniel and Alisa Doctoroff.
Back row, from left, CSHL Chair Marilyn Simons, President & CEO Bruce Stillman, and Grace Stillman. Photo courtesy of Patrick McMullan Company

Held at the American Museum of Natural History in New York City and emceed by CBS journalist Lesley Stahl, the dinner, so named for the twisting ladder structure of the genetic material DNA, raised $7 million while honoring Nobel Prize winner Katalin Karikó, and Daniel and Alisa Doctoroff, a husband and wife team who are leaders of Target ALS.

Bruce Stillman, CEO of Cold Spring Harbor Laboratory, recently discussed the awards dinner, an innovative and potentially revolutionary study on aging, science funding, and a host of other topics in an exclusive interview.

The honorees at this year’s dinner were “really fantastic,” Stillman said.

Originally from Hungary, Karikó thrived in work that helped lead to BioNTech and Pfizer’s work using messenger RNA to create a vaccine for COVID-19 despite setbacks including four demotions while a scientist at the University of Pennsylvania.

Her experience shows how “a scientist can do Nobel prize winning research despite adversity,” Stillman said. She had an “idea she wanted to stick with.”

Through Target ALS, the Doctoroffs have helped generate progress in research on amyotrophic lateral sclerosis, or Lou Gehrig’s disease.

Daniel Doctoroff, who has ALS, had been Deputy Mayor for Economic Development and Rebuilding and CEO and president of Bloomberg LP.

The dinner has raised over $67 million since its inception and has honored scientists and public figures, including the late boxer and inaugural winner Muhammad Ali, baseball Hall of Fame right fielder Reggie Jackson and Nobel Prize winner and co-discoverer of gene editing tool CRISPR Jennifer Doudna.

As a part of the celebration, the lab produces videos of the honorees, who have made significant contributions to philanthropy or to research or who have been advocates for health.

A week after the dinner, Stillman had written a letter to potential honorees for next year.

“It’s a lot of work to do this properly,” said Stillman. “We have a time limit on the evening. We want everyone out by 9:30 p.m. We timed this whole thing down to the minute and it worked out very well.”

An important aging discovery

While the lab produced a large volume of research studies that could have implications in a range of fields during the year, Stillman highlighted the work of Corina Amor Vegas as being “probably the most impactful down the road.”

Corina Amor Vegas. Photo ourtesy of CSHL

Amor Vegas used a technology developed to treat cancer to address the effects of aging.

She produced chimeric antigen receptors on the surface of the immune system’s T cells to attack senescent cells, which have aged and are not functional but could otherwise cause aging related problems such as diseases.

In a mouse model, Amor Vegas found that treating these aging mice with modified forms of their own T cells, through car-T immunotherapy, improved metabolic dysfunction and exercise capacity. Indeed, even a single treatment was enough to provide long term benefits for these mice.

The work attracted considerable venture capital interest and the lab is in discussions about how to pursue a business approach that taps into the potential use of this discovery.

As for businesses, the lab has a number of companies that are “under the radar screen” but that will have an impact in their fields.

Professor Partha Mitra started a company called Clarapath that will make “a major splash” with its automatic slides for pathology, Stillman said. A machine can do the work automatically that is otherwise labor intensive.

Down the road, scientists could apply artificial intelligence to analyze the samples. The laboratory has several faculty that are doing machine learning or AI in their research in areas such as neuroscience or genetics.

Through a neuro-AI scholars program, CSHL brings in people who have had a high level of training in computer science related to machine learning. The scholars come to CSHL for one or two years, where they work in a neuroscience lab.

Meetings

Stillman was pleased with the meetings on site this year, including one on epigenetics and CRISPR.

At the end of May in 2025, CSHL plans to have a symposium called Senescence and Aging.

The lab has invited scientists to speak from Germany, Israel, Japan and the United Kingdom as well as from Harvard, Brown and Yale. Locally, Amor Vegas, Assistant Professor Semir Beyaz and Professor Lloyd Trotman have also received invitations to share their work.

Stillman anticipates the publication of compelling findings from CSHL next year, including in autism.

At the same time, the lab is building a new Neuroscience Research Complex that should be finished in 2026. The 36,347 square-foot facility will include three modern buildings that focus on neurodegenerative diseases, brain-body physiology and quantitative biology and NeuroAI.

The construction has been going “very well,” Stillman said.

Science and politics

Amid talk of a rationalization of the research budget next year when the former and future president Donald Trump takes office, Stillman cautioned against a heightened focus on translational studies.

“If we knew what basic science would be translational, we would be doing it,” Stillman said. “If you go back and look at fundamental discoveries of how a disease can be cured, like Spinraza, people would have said, ‘Don’t study this or that.’”

Professor Adrian Krainer developed the drug Spinraza at CSHL, which is an effective treatment for an otherwise debilitating childhood disease called spinal muscular atrophy.

The development of CRISPR came from a study of bacteria that grow in a marine environment.

If Trump’s administrators think they can predict that every dollar will be productive, “they are nuts,” Stillman said. “We should have a discussion before they start pronouncing what should be done.”

Converting the National Institutes of Health into a directed translational research institute will push down American competitiveness.

China is planning to spend large sums of money in basic research. If the United States cuts back in these areas, this is a “recipe for the country to become a second class citizen to those that are “investing in basic science.”

The Human Genome Project cost $3 billion over 25 years. The returns exceed $1 trillion, Stillman said.

“That’s an enormous payoff,” he added. 

Despite concerns and a watchful eye on research funding, Stillman shared a positive outlook.

“I’m not pessimistic about the future,” he said. “The United States economy is very strong.”

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News can be one of the most important and constant aspects of every American’s life. It can permeate our every waking moment, from the televisions in waiting rooms, our phones’ constant push notifications and the reposting of articles all over our social media feeds.

Unfortunately, many Americans are discouraged by the negative news which surrounds us. They feel the polarization of the political parties, constant coverage of crime and oftentimes dark undercurrents that are aspects of the news. Some try to hide from current events for the sake of their own wellbeing. In fact, up to 43% of Americans avoid the news, in some form, according to this year’s Reuters Institute Digital News Report.

That is why we are pleased to share that this week’s newspaper is full of good news — something most people will happily welcome. It is always wonderful to revel in the holiday season and all of its elements, and that is precisely why happy news can be especially satisfying this time of year.

From the honoring of our Suffolk County veterans, to The Steam Room restaurant’s philanthropy this Thanksgiving, to wonderful spectacles of holiday cheer out of Huntington and Port Jeff, our communities have come together to provide each other with bits of joy, in our complicated world.

TBR brings the spirit of community to our readers’ doorsteps every week, and will always share with you the merry, along with the hard-hitting. We are proud of our communities and enjoy showing them off during this complex political climate. 

Thank you for your readership and support.

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Suffolk County Executive Ed Romaine

By Lisa Scott

Federal priorities and legislation will be markedly different in 2025. Donald Trump received 55% of Suffolk County votes for President, and both CD1 and CD2 Republican members of Congress were re-elected. (CD3 includes a very small part of northwestern Huntington, and re-elected their Democratic member of Congress). As we move through the coming year, it will be very important to stay in touch with your Congressional representative and express your opinions. If you are not sure of your CD or other elected officials, go to https://voterlookup.elections.ny.gov/ and all your representative districts will be listed.

However, much of what affects our day-to-day lives is determined by New York State, Suffolk County and the 10 Towns that comprise Suffolk so our focus for 2025 should be familiarizing ourselves with local issues  and finances, and making our voices heard on these local levels. 

Suffolk County (according to the 2020 census) has a population of 1.5 million (578,940 households), with a 2024 Operating Budget Revenue of $5.172 billion and 2024 Operating Budget Expenditures of $4.133 billion. The taxable full valuation of property in the county is $405.5 billion. 

Revenue comes from property taxes, sales tax, state aid, federal aid, and other sources. The revenue stream included in the budget is only an estimate of the amounts that can be anticipated. If retail sales fall, the 8.625% sales tax yield will not be as great as anticipated. Similarly, if homeowners and business owners do not promptly pay their property tax, there is a shortfall. The county may borrow money in anticipation of receiving this revenue; therefore, debt service may be required because of this borrowing. 

Expenditures are for personnel, debt service, and a wide variety of services, such as police, education and economic assistance. About 39% of the $4.1 billion budget is mandated by various state and federal government programs, such as Medicaid, which restricts the freedom of the county to apportion expenditures. The remainder is “discretionary.”

Suffolk County’s proposed 2025 budget includes a tax increase for most homeowners, expected to average about $49 per home in Huntington, Smithtown and Brookhaven. The increase resulted from a shortfall in expected sales tax receipts, about $50 million less this year than what was projected, pension costs went up by about $43 million and health care costs went up by $66 million. Also Suffolk voters approved a clean water proposition in 2024; sales taxes will increase in March from 8.625% to 8.75%  (about 12 cents on a $100 purchase or $1.25 on a $1,000 purchase). 

Ed Romaine is our Suffolk County Executive ([email protected]) elected for a 4 year term. Other elected county-wide offices include Comptroller John M. Kennedy Jr.  ([email protected]), Clerk Vincent Puleo ([email protected]), District Attorney Raymond A. Tierney ([email protected]) and Sheriff Errol Toulon, Jr. (suffolk.sheriff@suffolkcounty ny.gov). 

There also is an 18 member Suffolk County Legislature, serving 2 year elected terms (term is limited to 12 years in office for all legislators). To find your SC Legislative District, go to https://www.scnylegislature.us/ and click on Find Your Representative. Then read up on your county legislator, find out what their priorities are and whether those are your priorities too. The General and committee meeting schedules are on the website, along with meeting minutes.

There are 13 committees which meet the week before each general (monthly) meeting of the Suffolk County Legislature to discuss proposed bills and issues and decide what moves forward to the full legislature. For example, the Veterans committee and Environment, Parks & Agriculture meet on Monday mornings, Economic Development, Planning and Housing on Wednesday afternoons and Public Safety on Thursday mornings. 

Since there are 10 Towns in Suffolk, and many incorporated Villages, there are other levels of representation, ordinances and codes. Concerned citizens need to navigate these levels and establish relationships with all your elected officials, so that when a question or issue arises, you are aware of which level of government has responsibility. Remember that elected officials work for YOU, and if you do not communicate clearly and responsibly your message will not receive the attention and response it deserves. 

To learn more about those who represent Suffolk County residents on every level of government and how to reach them, the League of Women Voters of Suffolk County issues an annual Directory of Public Officials in March, available online and as a pdf in English and in Spanish at https://my.lwv.org/new-york/suffolk-county.

Lisa Scott is president of the League of Women Voters of Suffolk County, a nonprofit, nonpartisan organization that encourages the informed and active participation of citizens in government and influences public policy through education and advocacy. For more information, visit https//my.lwv.org/new-york/suffolk-county.

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By Michael Christodoulou

Now that the calendar has flipped, it’s time for some New Year’s resolutions. You could decide you’re going to exercise more, lose weight, learn a new skill, reconnect with old friends — the possibilities are almost limitless. This year, why not add a few financial resolutions to your list?

Here are a few to consider:

Reduce your debts. It may be easier said than done, but if you can cut down on your debt load, you’ll increase your cash flow and have more money available to invest for your future. So, look for ways to lower your expenses and spending. You might find it helpful to use one of the budgeting apps available online. 

Boost your retirement savings. Try to put in as much as you can afford to your IRA and your 401(k) or other employer-sponsored retirement plan. If your salary goes up this year, you’ve got a good opportunity to increase your contributions to these retirement accounts. And once you turn 50, you can make pre-tax catch-up contributions for your 401(k) and traditional IRA. You might also want to review the investment mix within your 401(k) or similar plan to determine whether it’s still providing the growth potential you need, given your risk tolerance and time horizon.

Build an emergency fund. It’s generally a good idea to maintain an emergency fund containing up to six months’ worth of living expenses, with the money kept in a liquid, low-risk account. Without such a fund, you might be forced to dip into your long-term investments to pay for short-term needs, such as an expensive auto or home repair. 

Keep funding your non-retirement goals. Your traditional IRA and 401(k) are good ways to save for retirement — but you likely have other goals, too, and you’ll need to save and invest for them. So, for example, if you want your children to go to college or receive some other type of post-secondary training, you might want to invest in a tax-advantaged 529 education savings plan. And if you have short-term goals, such as saving for a wedding or taking an overseas vacation, you might want to put some money    away in a liquid account. For a short-term goal, you don’t necessarily need to invest aggressively for growth — you just want the money to be there for you when you need it. 

Review your estate plans. If you haven’t already created your estate plans, you may want to do so in 2025. Of course, if you’re relatively young, you might not think you need to have estate plans in place just yet, but life is unpredictable, and the future is not ours to see. If you have already drawn up estate plans, you may want to review them, especially if you’ve recently experienced changes in your life and family situation, such as marriage, remarriage or the addition of a new child. Because estate planning can be complex, you’ll want to work with a qualified legal professional.

You may not be able to tackle all these resolutions in 2025. But by addressing as many of them as you can, you may find that, by the end of the year, you have made progress toward your goals and set yourself on a positive course for all the years to come.

Michael Christodoulou, ChFC®, AAMS®, CRPC®, CRPS® is a Financial Advisor for Edward Jones in Stony Brook, Member SIPC.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.

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By Daniel Dunaief

Daniel Dunaief

My initials suited me well before I was old enough to care.

You see, I don’t drink, so the idea of a DD, or designated driver, works for me.

Over the years, not drinking alcohol has triggered an even wider range of responses from adults than discussing my food allergies, which, in themselves, typically start unusual conversations. It seems odd to discuss painful digestive responses to consuming food with people who are about to eat.

Anyway, alcohol is supposed to be some kind of rite of passage, a bonding experience, a chance to celebrate and let loose, and something of a national past time.

I don’t mind when other people drink, but I’ve never been all that tempted to throw down a few beers or to end a tough day with a stiff drink.

When I don’t order a drink, I get a range of questions. “Are you in recovery?” “Are you taking medicine?” “Are you very religious?” “Are you sure you’re human?”

Alcohol is as much of a ritual in the country when adults celebrate as sugary treats are when our children attend another birthday party.

Athletes douse each other with champagne, beer, and other beverages when their teams win rounds of a playoff or championships. People toast each other and the start of a new year with adult beverages.

It’d be funny to see a baseball team retreat to the clubhouse after dog piling at the pitcher’s mound and eat a tray of cookies and milk (which I also can’t drink and, no, I don’t feel like describing what happens if I do). Can you imagine them sitting back with a tray of their favorite vegetables, a towel around their necks and a satisfied smile on their faces?

When I was younger, I held cups of alcohol and laughed with a group that became progressively louder. I would search for water or root beer, which was and still is my favorite soda.

I was tempted to order a scotch and soda, but hold the scotch or, perhaps, a rum and coke without the rum.

The early teens were my drinking sweet spot, literally. I could go through three or four Shirley Temples without seeming to develop too much of a sugar high. No doubt the milk and cookies, the ice cream and the chocolate sprinkles helped me build up a sugar tolerance.

I received my first bottle of wine from a friend in college, who was sharing it with me out of genuine appreciation and was, undoubtedly, following in his parents’ footsteps in offering me an adult gift.

Over the years, I have accumulated a collection of wines that have likely increased in value. At the end of coaching a long, hot baseball, softball or basketball season, grateful parents acknowledged the hours I put into running practices or preparing lineups for games for the team with a bottle of wine.

I did try drinking more than a few sips of alcohol a few times. Once, my wife took me out for my birthday, where I had about a cup of wine. I wasn’t drunk, but I was surprisingly tired and was much more ready for bed than for celebrating.

When my children reached their early teens, we ordered three Shirley Temples for the table.

Recently, I attended a bring your own booze holiday party. We brought some alcoholic drinks and a pecan pie.

We considered purchasing a large bottle of water for me, but figured there’d be a pitcher of water somewhere.

Walking from room to room, I didn’t find water and didn’t want to make anyone uncomfortable searching for it or trying to accommodate my request. When I returned home, I was happy to fill my reusable water bottle.

Professionally, not drinking alcohol is not quite as limiting as not playing golf. Back in the days when I covered investment banking, foregoing golf outings meant making fewer connections and gathering less information.

In those days, I was never invited to a batting cage to practice hitting baseballs, which I would have readily accepted.

These days, when neighbors offer to share a few cocktails on their porches, I smile and nod, without making any declarations. It’s harder to argue that I’m not drinking because I’m the designated driver when they live a few hundred feet away. Maybe I’ll bring my own water and will tell them my DD religion doesn’t allow alcohol.

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By Leah S. Dunaief

Leah Dunaief,
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This one just passed was my favorite weekend of the year: Thanksgiving. It started last Wednesday night, as all good weekends should. We, the Dunaief Clan, have managed to extend it into three, even four days. We deserve no less. Like many American families, our immediate members are stretched across the entire continent, from the California coast to Pennsylvania, and from below the Mason-Dixon Line and the Florida Peninsula to the Gulf of Mexico. They need that much time just to get to Grandma’s house and back.

What’s waiting for them when they arrive? Food! All kinds of favorite foods. And love. Lots of love that bridges three generations with mighty hugs. Why, it even takes a good part of that long weekend before all the members of the family finish hugging each other, at which point we sit down to eat. We get back up some hours later, only to regroup for the next meal. We know we are among the fortunate in that regard and give thanks.

Food means so many different things. There are the traditional historic dishes that symbolize the meal reputedly eaten by the Pilgrims. But we have added more to the basics. And each person has a favorite that tickles them when they look at the offerings on the laden table and know it was prepared especially for them. Food is love, and special foods carry that message.

It still amazes me to be surrounded by the many members of my tribe. Some 60 years ago, before I was married, there was just I. Then, three months later, there were the two of us, my husband and me. And then there were children and children-in law, and their children and now, their new daughter-in-law and my first granddaughter-in-law. Together we populate the dining room and fill the house with chatter and laughter.

One of the high points of the weekend follows dinner, when we are still sitting around the table, digesting sufficiently until we can have dessert, and we tell each other what we are most thankful for that occurred in the past year. In that way, I get to catch up on some of the events in my loved ones’ lives and they on mine.

Speaking of dessert, the pumpkin pies were an issue again this year. For almost all the Thanksgivings we have celebrated here, 55 to be exact, we have enjoyed the classic finale from The Good Steer. Their pies pleased all our taste buds, from my offspring to my parents, who would join us from NYC during those early years. Alas, the restaurant on Middle Country Road in Lake Grove is no more; the owners having closed the business. 

So, faced with this significant void, I have done some research and have come up with replacements over the last couple of years. We did a scientific taste test between the offerings I procured this year. I’ve had a number of friends offer suggestions, and I thank them kindly because they understand how important it is to find an alternative source. After all, no two differently made pumpkin pies taste the same. 

The result here hung in the balance until the celebrations ended. My reputation as the Best Thanksgiving Grandma, I am relieved to tell you, is secure. We found a satisfactory replacement. In fact, there was a partisan divide between the two choices, so we will have one of each next year. 

This year, we had a first to celebrate. My oldest grandson had asked the woman he wants to spend the rest of his life with to marry him, and she accepted. The wedding was this past spring, and we welcome her enthusiastically into the tribe. I give thanks for the blessing of seeing our family continue to grow.

I hope all of you, Dear Readers, had a Happy Thanksgiving with the foods you enjoy and the people you love, whether they be relatives or close friends or perhaps those you recently met and with whom you have chosen to share this celebratory meal.

On this day, we give thanks for the special people in our lives.

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