Page 9 - Jupiter West - February '20

Jupiter West, Page 9
Northern Notes

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

2141 Alt. A1A South, Suite 310 • Jupiter, FL 33477
The Retirement Planning Specialists Crafting Financial Solutions with Insight and Integrity since 1980

The new SECURE Act tax law may impact you.

Key Provisions of the Secure Act will:

• Repeal the prohibition of retirement contributions after the account owner
reaches age 70½.

• Delay the age for required minimum distributions (RMDs) from age 70½
to 72.

• Eliminate the lifetime “stretch” IRA option, requiring non-spouse
beneficiaries of IRAs to deplete the inherited balance within 10 years of
the decedent’s death.

• Many of the provisions adopted into the Internal Revenue Code as part
of the SECURE Act allow individuals more time for tax-deferred savings
and growth before distributions are required. The provisions deemed
advantageous to individuals and businesses may result in less tax revenue
to the government. Hence, the SECURE Act also includes requirements
The team that has the knowledge and credentials to deliver everything you need to plan for your future. Left to right:
Andrew J Francisco, M. Ed., Associate Advisor; Joseph C. Francisco, AIF®, Vice President; Curtis S. Francisco, CFP®, designed to account for this loss of revenue by accelerating the withdrawal
AIF®, President; Lori M. Colclasure, CFP®, CPA, RICP, CDFA, Wealth Advisor. Photographer: Scott Steger and taxation of inherited retirement accounts.
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