Page 5 - Martin Downs Bulletin - July '19

Martin Downs, Page 5
datInG

The Singles Scene Column© Was there a time when online dating had better What Finding Love Could Cost in Dollars:
odds? Sure. My cousin met her husband online in Maine $0 Free dating sites or sit home alone with no one.
Spend Money to Find Love? 12 years ago. Get it? In Maine and 12 years ago. Online $25+ Some online dating sites. Ex: Bumble, Match,
By Kelly Leary, M.S., THE dating hit an all-time low in 2009 in Florida, which is OurTime. See above article for your odds.
Florida Matchmaker when the local daily newspaper did a very positive story $449+ Per month/3 month minimum -- for one date per
The answer is simple: We on my work. Off-line dating services hit the maps BIG month. No local office/often in temporary or virtual offices.
have always invested money at that moment and so did I. We were presented as an Often no photos. Ex: Tawkify (California Address).
to find love regardless of our alternative to online dating. Take it from someone who $5000+ Sometimes per month, per year, or per number of
gender. We pay for dates, we is an expert. It is an enormous gamble and you will risk dates. Sometimes no photos. Ex: Three Date Rule (no Florida
pay to look good, and we pay in losing time, money, headache and heartache--not to location) and many others.
the form of time and emotional mention your safety--men or women--when you look for $25K to $45K+ Per year -- to work with a representative
investments too. We pay for our love online. Men can be hurt too--and definitely in the at a “elite” service that may or may not have a rooted local
wins to celebrate love in the wallet. It is a gamble just like in Vegas, and you can lose office in Florida. Matches could be national. Ex: Kelleher
form of a wedding and sadly, EVERYTHING. International.
sometimes, we pay for divorce Look up documentaries like Dirty John who met an (Reference for price section and amounts: Cosmopolitan,
when love ends. We always upscale woman on OurTime.com. He pretended to be a June 2019)
pay for love one way or the other BUT the payoff is the doctor but he was a very BAD guy. Predators love online Here is the bottom line: When you find your dream
best feeling in the world. We all want and need love. Yet dating! You can see online dating disasters on Date Line, man or woman you will be glad you took the plunge
now, more than ever, we have been forced to get smarter 20/20, or any news channel. Online dating is dangerous and you chose the best service available to you. Upon
because of our potential losses. Dating is riskier today--and and quality people either don’t like it or cannot be seen enrollment (hopefully in person in a real office), consider
sometimes even scary! The times have changed and we must online for privacy reasons. It’s embarrassing. your investment a down payment on your wedding or on
change too. As much good as the Internet has brought us--it Enter Modern Matchmaking: My business was your dream vacation and just live it up with your new
has come with a VERY high price. People are so programmed designed as an online dating remedy and for those who love life! You will be glad you started this July by the
to look down (at their screens) and communicate via social simply can’t or won’t go online looking for love (like time the holidays roll around! It is a couples world! Our
media and texting that many have lost the art of socializing a doctor, judge, or CEO). We are private, friendly, and matchmakers are standing by 7 days a week if you have
in person. Just look around at the beach or at a restaurant. local. We serve South Florida and the Treasure Coast. I, more questions for us. We are happy to oblige.
People are obsessed with their smartphones. personally, have 28 years of experience and a master’s Looking forward to meeting you soon in my office!
Enter online dating: Being an encyclopedia on this degree in Clinical Psychology specializing in Forensic Much Love and XoXo,
industry, I remember when online dating first hit the Studies (profiling). During my graduate studies, I was Kelly
circuits. Not everyone had a computer and there were no lucky enough to find my calling by happenstance in 1991 #CallForMoreScoop #SummerLoveIsHappeningNow
smartphones. And so it began--the evolution of dating went in Boca Raton. I worked at other dating services over the #LeaveYourComfortZone #Yolo #TellYourFriends
©
from a kind introduction or set-up like our grandparents years and quickly noted what they were doing wrong and Kelly Leary has 28 years in the dating industry and a
and parents to everyone jumping on the alternate bus of what they were doing right. I kept the best and forgot the Master’s Degree in Psychology. She has been profiled by
online dating, which began around 1995. The theory seemed rest. I still cringe when I recall what other bosses of mine ABC News, The Palm Beach Post, PalmBeacher Magazine,
sensible, but there has been a big trade-off in recent years. had done in the past. Many of them still exist but they South Florida Business Journal, The Stuart News, and
It is now super easy to cheat or “next.” The divorce rate have changed their business name multiple times. other publications. All Revolution Dating members are
is up. What started as a way to increase your options has To save you time and money, I have also included a prescreened first, including background checks. Professional
become completely corrupt since its inception. Too much. price list of random options. We researched many of these member photos are taken by the staff. Revolution Dating is
Too fast. Too easy. Now, it’s too hard. The online dating prices to double check...all in the name of love and all NOT online dating or blind dating. In addition to providing
system has been severely handicapped and there is no fixing for YOU. Since “matchmaker” is now a household term matchmaking services that make singles “UN-single”
this inherent fatal flaw. Online dating will only get worse- like doctor or lawyer, I thought I would bring you up to through their exclusive membership, Kelly also holds
-especially in Florida. speed! Thank me later! private singles mixers. For more information, please call
561-630-XOXO (9696) in the South Florida area or 772-
932-HERE (4373) on the Treasure Coast or visit us at www.
Wealth ManageMent revolutiondating.com. All inquiries are confidential.

Financial Planning For you through a few important tasks, such as adding your child to Summer Love is all Around
Once your baby is born, the hospital staff will usually walk
New And Expecting Parents your health plan within the first 30 days of birth or submitting Town. July 2019
the form to get your child a Social Security number. There are a
Regardless of your age, few important things, however, they may not remind you about Summer love is all around town thanks to the Revolution
Dating Club! These photos are worth 1000 words and tell
that you do.
becoming a new parent
Update your beneficiaries. Now that you have more than
is something no one can just yourself to care for, it’s more important than ever to ensure the whole matchmaking story! This July, you should change
fully prepare for. Although your future too--by dating in REAL LIFE and finding love
sleepless nights and additional your beneficiary designations are up to date. This will ensure off-line. Follow the love, and stop wasting time and money
the money you worked so hard to save goes to the appropriate
responsibilities are inevitable, chasing fake people on a website. Meet new people the old
having a new baby can wreak people in the event something were to happen to you. If this fashioned way, through introductions by a friend (that friend
is your second or third child, don’t forget to review and adjust
havoc on your finances if would be THE Florida Matchmakers of Revolution Dating).
you’re not careful. You will your beneficiaries to ensure all children are accounted for. Society is tired of online dating, and it is likely you are too
Create or adjust your estate plan. Another way to ensure

likely have to adjust your cash
flow to account for the added your child will be cared for is to update your estate plan. If if you are reading this issue. Follow your heart and step up
you do not have a current will or trust, now is the best time to
expenses of another mouth to
feed. Perhaps one spouse will create one. More importantly, naming your child’s guardian
in the event you and your spouse were to pass away is crucial
decide to stay home, leaving
you with one income. With so to ensuring your children are cared for in the event you pre-
decease them.
many changes being thrown
Don’t forget about your retirement accounts. As much
your way, here are a few tips to make it less of a financial shock. as we want to give everything to our children to ensure they get
Understand your coverage. Understanding of what
expenses your health insurance covers will help you determine the most out of life, do not forget about your own retirement
plan. You should always fund your own retirement before
what your maximum out-of-pocket expense is. Babies can be
expensive; in fact, the average cost of raising a child born in funding other goals. Be sure to consistently contribute to your
retirement accounts so you can retire and enjoy what you have
2015 from birth to age 17 is $233,610, according to the U.S.
Department of Agriculture, and this doesn’t even factor in worked for.

Consider funding a college savings plan or UTMA. After
college expenses.*
Estimate your healthcare costs. Once you understand paying for the necessities and funding your retirement accounts, Revolution Dating introduced
you may want to consider funding an account for your child. It
your insurance benefits, you should have an idea of the cost This Revolution Dating couple John to Christine in the Fall
of routine doctor’s visits, from your very first ultrasound to never hurts to open the account and fund it when life allows for
it. Any time your child receives a monetary gift, you can use
the birth of your child. It’s helpful to come up with a budget loves boating together! and now they travel as a couple!
before your new bundle of joy arrives and adjust it as needed. those funds to save up over time. When it comes to saving, the
earlier you start, the longer you have to let your funds grow,
Once your baby is born, it may take a few months until you
are comfortable with your cash flow. and by the time your children are ready to attend college, you
will have funds to help with college expenses.
Save ahead for future expenses. While not all expenses
Stifel does not provide legal or tax advice. You should consult
are foreseeable, much of what comes with the cost of having with your legal and tax advisors regarding your particular
a child can be budgeted. Doctor’s visits and child care costs,
for instance, will likely be an ongoing, consistent amount. situation.
*Source: https://www.usda.gov/media/press-

Saving an extra $50 or $100 from each paycheck can help
pad your child care expense fund. releases/2017/01/09/families-projected-spend-average-233610-
raising-child-born-2015
Fund your HSA. If you have an HSA account, you can use
those funds for the routine doctor’s visits. When your newborn is
sick, the last thing you want to worry about is how you will pay Article provided by Bob Sander, Senior Vice President/
the co-pay and cost of medicine to get your baby healthy again. Investments, with the Stuart branch of Stifel, who has attained
®
™
Cut down or pay off old debt. Before adding new debt the Certified Financial Planner (CFP ) designation and the The Revolution Dating Team knows how to have fun and
®
®
with the cost of a child, it’s a good idea to pay off old debt if Accredited Investment Fiduciary (AIF ) certification. He can
possible. This includes any credit card balances, student loans, be reached at (772) 403-8305 or sanderb@stifel.com. Stifel, clients adore them all!
and any other debt you can afford to pay off. Nicolaus & Company, Incorporated Member SIPC & NYSE
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