Page 10 - Jupiter Ocean Mile - March '19
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Page 10, Jupiter Ocean Mile
      Financial Focus

      The Right Insurance Can                              You can also purchase life insurance to help fill the gap   Despite its name, a long-term care policy could meet either
      Meet Both Short- And Long-                         between the amounts you have saved and what your family   short- or long-term needs. On the short-term end, you might
                                                         would need if you died unexpectedly. Thus, insurance can pay
                                                                                                           need the services of a home health care aide to assist you in
      Term Need                                          for liabilities (such as a mortgage, car payments, student loans   your recovery from an injury such as a broken hip. On the
                                                         and other debts), education expenses (such as college for your   other end of the long-term care scale, you might someday need
      By Sally Sima Stahl                                children) and final expenses associated with your passing.   an extensive stay in a nursing home, which can be extremely
        If you’re going to achieve                         Next, consider disability insurance. If you were injured or   expensive and which isn’t typically covered by Medicare. But
      your important financial                           became ill and couldn’t work for a while, the loss of income   in either case, you might be able to benefit from a long-term
      goals, you’ll need to build                        could be a big problem for your family members – in fact, it   care insurance policy, or possibly a long-term care rider attached
      an appropriate investment                          could disrupt their entire lifestyle. Even a short-term disability   to a life insurance policy. And the earlier you take action, the
      portfolio. But that’s only part                    could prove worrisome, while a long-term disability could be   better, because long-term care insurance, in particular, generally
      of the story – because you                         catastrophic. Your employer might offer short-term disability   becomes more expensive the older you get.
      also need to protect what you                      insurance, and that could be enough – but do you really want     This list of insurance policies, and the needs they can help
      have, what you earn and what                       to take that chance? To protect your income if you were out of   meet, is certainly not exhaustive, but it should give you an
      you’d like to leave behind.                        work for an extended period, you might need to supplement   idea of just how important the right insurance coverage can
      That’s why it’s a good idea                        your employer’s coverage with your own long-term disability   be for you – at almost any stage of your life.
      to become familiar with the                        policy. Long-term disability insurance, which generally kicks     This article was written by Edward Jones for use by your
      various types of insurance and                     in after you’ve used up your short-term benefits, may pay you   local Edward Jones financial advisor. Edward Jones, its
      how they can address short- and long-term needs.   for a designated time period (perhaps two to five years) or   employees and financial advisors cannot provide tax or legal
        For starters, consider life insurance. You may have   until your reach a certain age, such as 65. Long-term disability   advice. You should consult your attorney or qualified tax
      important long-term goals, such as leaving an inheritance for   insurance likely won’t replace your entire income, but it can   advisor regarding your situation.
      your family and providing resources for your favorite charities.   go a long way toward helping you stay “above water” until     Call me for a free portfolio review at (561) 748-7600, Sally
      You may be able to fulfill some of these through the death   you recover.                            Sima Stahl, AAMS, 1851 W. Indiantown Road, Ste. 106, Jupiter,
      benefit on your policy.                              You may also want to think about long-term care insurance.   FL 33458.

      ‘Down Under’ The Radar

      By Glenn Sudnick,
      (772) 332-4416
        I like to search for those
      special obscure wines that
      are hard to find but available
                                                         Having Trouble Hearing?
      for us to enjoy. The Ringbolt                      Having Trouble Hearing?                                        Call Us For a Hearing
      Winery from Margaret River,                                                                                       Evaluation & Consultation
      Western Australia meets that                                      HEARING LOSS CAN AFFECT YOUNG and OLD
      standard. This region of the
      world is rugged, treacherous                                       HEARING SOLUTIONS
      and beautiful. The winery
      gets its name from the wreck of the Ringbolt ship                              Of The Palm Beaches
      off the coastline in the late 1800s.                                   • Tinnitus “Ringing in Ears” Relief
        Heather Fraser is the young winemaker who         Murray Steinfeld   • Earwax Removal
      has a strong passion for sustainability and organic   HAS, BC, HIS, ACA  • Hearing Aid Repairs
                                                           Board Certified
      winemaking. She is a graduate from Charles          Audioprosthologist   • Overcome “Single Sided” deafness
      Sturt University, and then worked as assistant     Serving the residents
                                                           of Palm Beach
      winemaker for Hill-Smith Family Vineyards,          and Martin County   All examinations are thorough & complete.
      one of the most respected names in the                for 30 Years!          Not just a hearing screening.
      industry. Later, she worked her way up to            All hearing aid   Today’s Most Advanced Technology at AFFORDABLE PRICES!
      the role of winemaker. She is meticulous in           instruments                                                                         Hours:
                                                           customized to
      her approach and detailed ensuring that the          YOUR individual   Colonial Plaza - 651 W. Indiantown Road   561-747-6339        Monday - Thursday
      wine is delivered by using only the optimal             needs.    just West of Military Trail, Jupiter    9:30am - 4:30pm
      grapes that are full of flavor. As she says,
      “Ring·Bolt is a great opportunity to continue
      my love for Cabernet Sauvignon and build                  Jupiter Creek Professional
      my understanding of this great region.”
        The  Ring·Bolt  Cabernet  Sauvignon                             Building Office Condo
      2015 represents this excellent vintage. As
      the winery explains, it is “deep with a bold
      crimson red color and purple tints. The nose
      has rich aromas of black cherries and cassis,                  FOR SALE OR LEASE
      with forest floor characters to finish. The wine opens with a
      lively and intense blackberry compote, progressing to rich
      dark chocolate characters and finishing with succulent tannins                                                   1,509 SF nicely appointed
      that continue the experience long after the wine has left your                                                   office condo with wood floors
      mouth. Enjoy now or cellar for eight to 10 years. Angus beef                                                     and many built-ins in desirable
      fillet topped with chargrilled garlic marron – what the locals
      refer to as steak and lake; or enjoy with roasted root vegetables,                                               professional  building  on
      brown rice and caramelized onions.” The wine is matured for                                                      Indiantown Road.  Efficient use
      11 months in 62 percent American oak and 38 percent French                                                       of  space  with  good  layout
      oak and an ABV of 14.5 percent. This wine is a great value.                                                      (consisting of 4-5 private offices
                                           Cheers Mate!
                                                 Glenn                                                                 + File Room area, Receptionist
                                                                                                                       area,  Conference  Room  with
                                                                                                                       beautiful  wood  shelving,
                                                                                                                       Waiting  Room,  kitchen  and
                                                                                                                       2  bathrooms.  Ample  parking.
                                                                                                                       Previously used as a law office
                                                                                                                       (for Jupiter LAW Center).
                                                                                                                    Contact                       e

                                                                                                            for more information.
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