Page 10 - Jupiter Ocean Mile - February '20

Page 10, Jupiter Ocean Mile
Financial Focus

Can You Improve Your If you share some of these concerns, what should you do? costly purchases. And without such a strategy, you will almost
certainly have less chance of achieving your important goals.
Here are a few suggestions:
Relationship With Money? • Identify your money-related emotions. Try to recognize the • Get an “accountability partner.” Your relationship with
emotions you feel in connection with saving and investing. Do money doesn’t have to be monogamous – you can get help
By Sally Sima Stahl you get nervous about spending? Does putting away money from an “accountability partner.” Too many people keep their
In your life, you will have for the future give you satisfaction or not? Do you worry that financial concerns and plans to themselves, not even sharing
all sorts of relationships – with you don’t know how much you should be investing, or whether them with their partners or other family members. But by
your family, your friends, your you’re investing in the right way? Clearly, these types of being open about your finances to your loved ones, you can
coworkers, and even with questions can cause some anxiety – and, even more importantly, not only avoid misplaced expectations but also enlist the help
civic groups and charitable they may lead you to make poor decisions. Emotions are of someone who may be able to help keep you on track toward
organizations you support. obviously closely tied to money – but they really should not your short- and long-term goals. But you may also benefit
But have you ever considered play a big role in your spending, saving and investing choices. from the help of a financial professional – someone with the
another key relationship – the • Develop a financial strategy. By developing a sound perspective, experience and skills necessary to help you make
one you have with money? financial strategy, you can reduce money-related stress and the right moves.
Of course, this type of help yourself feel empowered as you look to the future. A Like all successful relationships, the one you have with
relationship has several comprehensive strategy can help you identify your goals – a money requires work. But you’ll find it’s worth the effort.
aspects, such as saving, spending and investing. And your down payment on a new home, college for your children, a This article was written by Edward Jones for use by your local
fellow Americans clearly face some challenges in these areas. comfortable retirement, and so on – and identify a path toward Edward Jones financial advisor. Edward Jones, its employees
For example, in a recent survey by financial services firm Edward reaching them. Your financial strategy should incorporate a and financial advisors cannot provide tax or legal advice. You
Jones, only 21 percent of respondents reported that they feel variety of factors, including your age, risk tolerance, income should consult your attorney or qualified tax advisor regarding
happy when thinking about saving money, while 92 percent said level, family situation and more. Here’s the key point: By your situation.
they see room for improvement in their financial health. Yet only creating a long-term strategy and sticking to it, you’ll be far less Call me for a free portfolio review at (561) 748-7600, Sally
one in four plan to improve their spending habits. Furthermore, likely to overreact to events such as market downturns and less Sima Stahl, AAMS, 1851 W. Indiantown Road, Ste. 106, Jupiter,
just 26 percent said retirement was a top savings priority. inclined to give in to impulses such as “spur of the moment” FL 33458.
Northern Notes

Fish Kills And Incredible oxygen depleted (anerobic) layer will then mix with the rest live in deeper water during the winter. When the lakes are a
of the lake, causing the oxygen level to drop. This is a process uniform temperature and density, it takes relatively little wind
Flipping Lakes called “flipping” or “turnover.” As a result, the upper layer now energy to mix water deep into the lake. Wind moves highly
has the lower oxygen level versus the lower layer. The fish oxygenated surface water to the lake bottom, forcing low
By Katie Roundtree, Finance living in this upper layer now have less oxygen and may die oxygen water from the lake bottom up to the surface where
Director, as a result. In addition, the bottom sediments are stirred and it becomes saturated with oxygen. This is critical for aquatic
Northern Palm Beach anaerobic conditions are mixed throughout the entire pond. As organisms, as once the lakes freeze over for the winter, no new
County Improvement District this happens, it brings up mass quantities of sulfur and methane oxygen gets mixed into the lake from the atmosphere, and what
Fish kills typically occur gas which is released into the atmosphere. This can also lead is in the lake must last until ice melts in the spring.
in South Florida when water to fish kills. NPDES tip: Please do not put any excess oils, paints or
temperatures drop as a result Lake flipping is critical to lakes in colder regions since the solvents into lakes, canals, or storm drains! They go directly
of cold weather. For exotic oxygen rich layer flips to the bottom allowing for the fish to into the groundwater supply.
and nonnative fish initially,
the cold itself causes the fish
to die; second, the protective
mucus that coats each fish is Wine Lockers
weakened by the cold and can
totally disappear. This leaves the fish vulnerable to bacteria and
other adverse elements in its environment which cause further
harm. The longer the cold temperatures remain, the greater the Just For VIPs? Not So Fast! restaurants offer locker
potential for mortality and secondary effects. owners special invite-only
Another way fish are killed by cold occurs in stratified lakes By Laura Berrio, events during the year, such
that have a warm layer of water on top of a colder layer. Lakes Freelance Writer/Blogger as reserve wine tastings.
are typically stratified into a warmer, less dense, oxygen rich If you are passionate Another benefit
layer on top and a cooler, denser, oxygen poor layer on the about wine and like the to locker owners is the
bottom. The difference in density does not allow these layers idea of having a supply of ability to customize a brass
to mix. The point where you have the greatest temperature your favorite wine on hand nameplate on the front of
difference is called the “thermocline” and it marks the transition when dining out, wine the locker. This can serve as
from warm, oxygen rich water to cooler, anaerobic water lockers may be for you. great advertising for your
(lacking oxygen). In a stratified pond, the water close to the There are some business. Some restaurants
pond bottom and the associated sediment layer is devoid of additional benefits, other charge a flat leasing fee for the year, while others just require
oxygen and can only support anaerobic bacteria. These bacteria than convenience, in having a minimum spend on wine housed in the locker.
are inefficient at breaking down the organic material that settles a locker. Restaurants offer If you want to save money, get great advice on wine
on the pond bottom (leaves, grass, algae, aquatic vegetation, locker owners assistance with wine selection from in-house selection, and feel special and pampered when you go out,
etc.). As a result, a thick layer of decaying “muck” accumulates sommeliers, bartenders, and managers. Most restaurants also wine lockers may be for you.
here over time. High levels of methane and sulfur gases offer a discount on wine purchased for the locker and don’t You are a VIP!
concentrate in this layer. Due to this water quality, fish are not charge a corkage fee. If you plan business outings or big ~Cheers
able to utilize that portion of the pond below the thermocline. family events regularly this can offer a large savings. Some ~Keep the conversation going and the wine flowing!
When the temperature drops or a sudden cooler rain
happens, the oxygen rich water on the top becomes much
cooler and dense and sinks to the bottom. The cooler denser,
Hike Through History - Feb. 1
Twilight Yoga at the Light -
Feb. 3, 10, 17, 24
February Lighthouse Story Time - Feb. 4
Lighthouse Sunset Tour -
Events Feb. 5, 11, 19, 26

Lighthouse Moonrise Tour - Feb. 9

Jupiter Lighthouse Climb & Paddle -
Feb. 12
Jupiter History Trolley Tour - Feb. 26

Lighthouse Luminary Luncheon -
Captain’s was established in 1980 servicing
Palm Beach County and is a privately March 11
owned and managed company.
Captain’s is committed to providing Check website for times and to RSVP.
dependable, reliable and professional jupiterlighthouse.org/calendar
ground transportation to and from all
South Florida Airports and Seaports. PBCVH212
To reserve your vehicle: jupiterlighthouse.org 561-747-8380
561-798-2180 or 800-634-7890 www.captainsairport.com 500 Captain Armour’s Way, Jupiter