Page 8 - Jupiter West - December '19

Page 8, Jupiter West
Financial Focus

Invest In Your Family And university, vocational school or other postsecondary education, the social fabric of your community by contributing to local
charitable, civic, educational or cultural groups. Of course,
you may want to open a 529 savings plan. With this account,
Community withdrawals are federally tax free, as long as the money is used now that we’re in the holiday season, it’s the perfect time for
for qualified higher education expenses, including those from such gifts. Furthermore, your gift will be more appreciated than
By Sally Sima Stahl trade and vocational schools. (However, if you withdraw some in years past because one of the chief incentives for charitable
Why do you invest? For of the earnings on your account, and you don’t use the money giving – a tax deduction – was lost for many people due to tax
many people, here’s the for qualified expenses, it will be taxable and can also incur a 10 law changes, which raised the standard deduction so significantly
answer: “I invest because I percent federal tax penalty.) Plus, you retain control of the funds that far fewer people chose to itemize deductions. However, you
want to enjoy a comfortable until it’s time for them to be used for school, so if your original might still be able to gain some tax benefits from your charitable
retirement.” And that’s beneficiary chooses not to pursue some type of higher education, gifts. To name one possibility, you could donate financial assets,
certainly a great reason, you can name a different eligible beneficiary. such as stocks that have risen in value, freeing you of potential
because all of us should Another way to invest in your family is to help your adult capital gains taxes. In any case, contact your tax advisor if you’re
regularly put money away for children avoid feeling obligated to provide financial assistance considering sizable charitable gifts.
when we’re retired. But you to you. For example, if you ever required some type of long-term Saving for your retirement will always be important. But
can also benefit by investing care, such as an extended stay in a nursing home, could you afford don’t forget about investing in your family and your community
in your family and your it? The average cost for a private room in a nursing home is more – because these investments can provide satisfying returns.
community. than $100,000 per year, according to a study by Genworth, an This article was written by Edward Jones for use by your local
Let’s start with your family members, particularly the younger insurance company. And Medicare typically pays very few of Edward Jones financial advisor. Edward Jones, its employees
ones. How can you invest in their future? One of the best ways is these expenses. So, to avoid burdening your adult children – and financial advisors cannot provide tax or legal advice. You
to help send them to college. A college degree is still a pretty good while also preserving your own financial independence – you should consult your attorney or qualified tax advisor regarding
investment: The average lifetime earnings of a college graduate may want to consider some type of long-term care insurance. A your situation.
are nearly $1 million higher than those of someone with a high financial advisor can help you determine what coverage may be Call me for a free portfolio review at (561) 748-7600, Sally
school degree, according to a study by the U.S. Census Bureau. appropriate. Sima Stahl, AAMS, 1851 W. Indiantown Road, Ste. 106, Jupiter,
To help your children or grandchildren pay for any college, Moving beyond your family, you may want to invest in FL 33458.
Solutions For Stressed Out Kids

By Jim Forgan, Ph.D., families. This implies you might be part of the cause of your calm under stress. You can practice with your child by searching
School Psychologist child’s stress so taking care of your own stress might also help YouTube for kids mindfulness videos. Goldie Hawn has a
Today’s children feel the your child’s stress. mindfulness curriculum to use in schools.
pressure of standards-based If you want to help your child decrease his or her stress, try Limit TV and showing your child the daily news. Kids are
testing, high performance reading children’s books, practicing mindfulness, and limit how observant and pay attention to more than what you might realize.
expectations, social media much news your child views. It’s called bibliotherapy when you Melissa’s child stressed over the smallest of stories like a dog
pressure, and complicated read your child a children’s literature book about dealing with that was lost and found far away so she obsessed on her dog
family dynamics. It’s no stress. Children relate to characters in kids’ books. What To getting lost. Melissa stopped watching TV news and now gets
wonder why doctors and Do When You Worry Too Much: A Kid’s Guide to Overcoming news from Facebook.
psychologists report an uptick Anxiety is a great book for you to read to your child because it About 30 percent of kids with stress need professional help. If
in stress and anxiety. How’s uses some of the same techniques as professional counselors. you’ve tried the above strategies, consider contacting our office
your own stress level? When Mindfulness is teaching children to be relaxed and focused to help your child with stress and anxiety. Another source to
you are stressed it often carries over to your child’s stress. by calming their mind and becoming aware of their body. It find a professional counselor is the South Florida Association of
Furthermore, there’s a genetic link and anxiety often runs in helps kids with focus, listening, slowing down, and remaining Christian Counselors. www.JimForgan.com or (561) 625-4125.

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December 2019 / Jupiter Inlet Tide Chart

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Sun 01 6:21 AM EST 0.3 ft 12:24 PM EST 2.2 ft 6:56 PM EST 0.7 ft Tue 17 12:26 AM EST 2.1 ft 6:50 AM EST −0.0 ft 1:02 PM EST 2.2 ft 7:29 PM EST 0.2 ft
Mon 02 12:36 AM EST 2.0 ft 7:14 AM EST 0.5 ft 1:11 PM EST 2.1 ft 7:52 PM EST 0.8 ft Wed 18 1:26 AM EST 2.1 ft 7:52 AM EST 0.1 ft 1:57 PM EST 2.2 ft 8:31 PM EST 0.1 ft
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Mon 16 5:53 AM EST −0.1 ft 12:09 PM EST 2.3 ft 6:29 PM EST 0.2 ft
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