Page 10 - The Shores of Jupiter - January '22

Page 10, The Shores
Financial Focus

What Should You Know your investments will rise over time. And it’s worth noting international holdings and diversify across regions.
Ultimately, your most broad-based defense against all
that, since the Great Depression, U.S. stocks have averaged
About Investment Risk? 9.59% annual returns, according to Morningstar Direct, an types of risk is to build a diversified portfolio containing
investment research service. However, past performance U.S. stocks, international stocks, corporate bonds, mutual
By Sally Sima Stahl can’t guarantee future results. funds, government securities and other investments.
When you invest, you In any case, this type of risk is real, and it’s a factor to Diversification works because it helps reduce the impact
incur risk – there’s no consider when making your investment decisions. But you that market volatility can have on your portfolio if you only
avoiding it. But the concept can’t avoid all risk by avoiding stocks and putting your own one type of asset, such as domestic stocks. (However,
of “risk” may be more money into other types of investments. Consider bonds, for diversification can’t guarantee profits or protect against all
expansive than you realized. example. When you purchase a bond, you typically receive losses.) And you’ll also want your portfolio to reflect your
And by understanding the regular interest payments and you get back your initial individual tolerance for risk.
different types of investment investment when the bond matures, provided the issuer By being aware of the different types of risk, and taking
risk and how these risks doesn’t default. But if interest rates go up and you want to steps to mitigate them, you can create a strategy that offers
can be addressed, you can sell your bond before it matures, you’ll have to offer it at a the potential to help you achieve your important goals, such
improve your skills as an “discount,” because no one will pay the full price for your as a comfortable retirement. And by doing so, you’ll avoid
investor. bond when they can buy new ones at a higher rate. the greatest risk of all: not investing for your future.
The most common perception of investment risk is simply You can help manage this type of interest rate risk This article was written by Edward Jones for use by
the risk of losing money. When you invest in stocks and stock- by owning a variety of bonds with different maturities. your local Edward Jones Financial Advisor, Edward Jones,
based vehicles, such as mutual funds, there are no guarantees When interest rates are rising, you can reinvest your short- Member SIPC.
that your principal – your initial investment amount – will be term bonds at the new, higher rates. And in a falling-rate Edward Jones is a licensed insurance producer in all states
preserved. Generally speaking, if you hold stocks or mutual environment, you can still benefit from your longer-term and Washington, D.C., through Edward D. Jones & Co., L.P.,
funds over a period of years, and even decades, you can bonds, which typically pay higher interest rates. and in California, New Mexico and Massachusetts through
reduce the likelihood of sustaining losses that could send Foreign or international investments also contain specific Edward Jones Insurance Agency of California, L.L.C.;
your investments’ value to zero. Hopefully, the value of risks. When you purchase foreign stocks, you’ll find that Edward Jones Insurance Agency of New Mexico, L.L.C.; and
fluctuations in the value of currencies relative to the U.S. Edward Jones Insurance Agency of Massachusetts, L.L.C.
dollar can affect your returns. Also, international investments
Edward Jones, its employees and financial advisors
Make Your Child may carry political risk, since some foreign governments cannot provide tax advice. You should consult your qualified
tax advisor regarding your situation.
and political systems may change in ways that work against
A Better Reader businesses in those countries. To contain these types of Contact us at (561) 748-7600, Sally Sima Stahl, AAMS,
1851 W. Indiantown Road, Ste. 106, Jupiter, FL 33458.
risk, you’ll want to maintain an appropriate allocation of

By Jim Forgan, Ph.D., Town Of Jupiter News
School Psychologist
Every child needs to
learn how to read but By Ilan Kaufer, Education Committee, and other important items. I always
one in five children Jupiter Vice Mayor look forward to incorporating residents’ feedback into the
have dyslexia so it is no Happy 2022, I hope strategic planning process and hope you will send in any
surprise that many kids you and your family had ideas you have for the upcoming fiscal cycle.
have problems learning a happy and meaningful Indoor Community Space
to read. Warning signs of holiday season and are In late November, I requested that the Town Council
dyslexia include having a having a great start to schedule a discussion on the potential construction of
family member diagnosed 2022! Please find below a indoor community and gymnasium space. Based on the
or suspected to have few items that I have been amount of community feedback I’ve received on this
dyslexia, slow reading aloud, difficulty sounding out working on. item; I believe it is important to evaluate the potential to
unfamiliar words, and weak everyday spelling. Town Manager Update design and construction indoor space that would serve as
Here are three ways you can help make your child a On Dec. 8, the Town recreation space for youth and senior activities (pickleball,
better reader. Council approved a contract to hire former Jupiter Police basketball, volleyball) and also serve as emergency shelter
First, make reading enjoyable and capitalize on your Chief Frank Kitzerow as the interim town manager. The space in the event of storm or another emergency. The last
child’s interests since when we are interested in a topic it Town Council is also working to solidify the process for the time we had a close call of a major storm event, it was
holds our attention and intrinsically motivates us. Children interview and selection of a new town manager. Based on evident that there was a need for emergency shelter space,
who struggle with reading need adults to read to and with similar search and interview processes in the local area, this and this type of facility could be an emergency resource
them well into middle school. While typical readers prefer process could take anywhere between three to 12 months. for our community.
to read by themselves starting in about fourth grade, Strategic Planning Process Thank you for keeping up to date on these activities.
struggling readers continue to need you to be the guide The Town Council undertakes an annual strategic Please make sure to follow me on social media on
by their side. Many children enjoy reading graphic novels planning process that begins in January. In past years, Facebook at www.facebook.com/kauferfl and on Twitter @
such as I Survived or The Baby-Sitters Club. I have worked on ensuring our police department has CouncilorKaufer. If you have any comments, questions, or
Next, recognize and verbalize that you notice your adequate staffing, putting a green bond on the ballot for concerns, about these initiatives or any other town matters,
child’s struggle. It is alright to say, “I know reading is voters, creation of an Environmental Task Force and an please email me at ilank@jupiter.fl.us.
harder for you but you have what it takes to become a good
reader. The more we practice, the better you’ll become.”
Teach your child to have grit which is the ability to start
and stick with a task until it’s finished. Notice your child Advertise in This Newspaper!
having grit in a preferred task and then link it back to Check out our website! www.seabreezepublications.com
the harder task. You might say, “You really stuck with
that project and put in a lot of effort to finish it. You can or call (561) 746-3244
have that same kind of grit when it comes to reading or
anything you set your mind to accomplish.”
Third, if your child and you butt heads during academic “Service is our number one priority”
work time, hire a well-qualified reading tutor. It takes
at least twice a week tutoring to make a substantial 561-743-0070
difference in your child’s reading ability. I have a list
of specialized reading tutors at JimForgan.com/tutor or www.palmspoolservices.com
visit the Lindamood-Bell Learning Center in Palm Beach
Gardens or the Reading Success Center in Palm City.
We offer dyslexia, learning disability, IQ, and ADHD/
ADD testing. Learn more at JimForgan.com or call (561)
625-4125.

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