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Some Emma Miller pupils pose with their own 'Old Rock.' The school librarian and students created a book walk based on the book by Deb Pilluti.
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The school has a 'famous' heart-shaped rock.
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Pages were placed through the school campus.
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Those who did not want to draw helped type and layout the pages.

Savoy Students Create Book Walk Based on 'Old Rock'

By Jack GuerinoiBerkshires Staff
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Librarian Maggie Donahue led the project and each child was assigned a page. 
SAVOY, Mass. — Students at the Emma L. Miller Memorial Elementary School created a book walk based on the book "Old Rock" by children's author Deb Pilutti. 
 
"So it made them really think about the characters. You have 42 different kids drawing the same rock. But every page looks different in 42 different ways," Librarian Maggie Donahue, who led the project said. "It becomes this character, and I feel like the more they drew the characters, the more, they knew them."
 
A book walk is an outdoor activity where the pages of a book are displayed along a path in a park or other outdoor space. Visitors can walk through the story, one page at a time.
 
Donahue said she contacted the author who gave the students permission to recreate her illustrations.
 
"Each kid was assigned a different page," she said. "And they went above and beyond what I was expecting."
 
Student Blake Lenski said creating a book walk goes a lot further than just simply reading the story.
 
"It's better because you can see your page, and you get excited," he said. "You get to decide what the page looks like."
 
His classmates agreed and said they enjoyed coloring, drawing, and designing their pages.
 
Donahue added that each one of the 42 students enrolled at the school did their part, and those not interested in drawing helped with typing and the layout.
 
Donahue said she chose the book because, at a recent town celebration, the town used the logo "Savoy Rocks." Also, the school has some great rocks and boulders on campus including a heart-shaped rock.
 
"I wanted to find a book about a rock that would tie into the town and school," she said. "I read a couple but absolutely loved 'Old Rock.'" 
 
She said some of these rocks were included in the walk and characters were hung from trees providing photo opportunities throughout the story.
 
The book walk spans along the school's gate and exterior and zigzags down through the playground and playing fields. There are pages about the author and a quick explainer on rocks before the actual story.
 
During the process, students also participated in a virtual Q&A with the author.
 
"It was really lovely, and the students did so well," Donahue said. "They were so excited about meeting a real-life author and illustrator. They asked such good questions. She talked a lot about the process and gave them a virtual tour of her workspace."
 
Student Wesley Rosni said he was excited to meet a real author.
 
"It was very exciting because I've never met an actual author before," he said. "Yeah. It was like a once-in-a-lifetime experience."
 
As was Lilah Lenski
 
"It was like really cool because like we got to ask like all sorts of questions," she said. 
 
Cedric Meczwor said it was a great experience even though he was a little nervous 
 
"It was a little anxious and weird because I didn't know what to say, he said. "But it was exciting."
Donahue said she hopes to keep the walk up all summer so all families 
 
"I was floored by the work. They put so much time and attention into it," she said. "And they did what an author does. They see that they can do it now."
 
If you would like to contribute information on this article, contact us at info@iberkshires.com.

How is your retirement income taxed?

Once you're retired, you will likely need to draw on several types of income for your living expenses. You'll need to know where these funds are coming from and how much you can count on, but you should also be aware of how this money is taxed — because this knowledge can help you plan and budget for your retirement years.  

Here's the basic tax information on some key sources of retirement income:

  • Social Security – Many people don't realize they may have to pay taxes on their Social Security benefits. Whether your benefits will be taxed depends on how much other taxable income you receive from various sources, such as self-employment, stock dividends and interest payments. You'll want to check with your tax advisor to determine whether your income reaches the threshold where your Social Security benefits will be taxed. The lower your total taxable income, the lower the taxes will be on your benefits. The Social Security Administration will not automatically take out taxes from your monthly checks — to have taxes withheld, you will need to fill out Form W-4V (Voluntary Withholding Request). Again, your tax advisor can help you determine the percentage of your benefits you should withhold. 
  • Retirement accounts – During your working years, you may have contributed to two basic retirement accounts: an IRA and a 401(k) or similar plan (such as a 457(b) plan for state and local government employees or a 403(b) plan for educators and employees of some nonprofits). If you invested in a “traditional” IRA or 401(k) or similar plan, your contributions may have been partially or completely deductible and your earnings grew on a tax-deferred basis. But when you start taking withdrawals from your traditional IRA or 401(k), the money is considered taxable at your normal income tax rate. However, if you chose the "Roth" option (when available), your contributions were not deductible, but your earnings and withdrawals are tax-free, provided you meet certain conditions. 
  • Annuities – Many investors use annuities to supplement their retirement income. An annuity is essentially a contract between you and an insurance company in which the insurer pays you an income stream for a given number of years, or for life, in exchange for the premiums you paid. You typically purchase a “qualified” annuity with pre-tax dollars, possibly within a traditional IRA or 401(k), so your premiums may be deductible, and your earnings can grow tax deferred. Once you start taking payouts, the entire amount — your contributions and earnings — are taxable at your individual tax rate. On the other hand, you purchase “non-qualified” annuities with after-tax dollars, so your premiums aren't deductible, but just like qualified annuities, your earnings grow on a tax-deferred basis. When you take payments, you won't pay taxes on the principal amounts you invested but the earnings will be taxed as ordinary income. 

We've looked at some general rules governing different sources of income, but you should consult your tax professional about your specific situation. Ultimately, factors such as your goals, lifestyle and time horizon should drive the decisions you make for your retirement income. Nonetheless, you may want to look for ways to control the taxes that result from your various income pools. And the more you know about how your income is taxed, the fewer unpleasant surprises you may experience. 

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