Page 8 - Jupiter Ocean Mile - March '20

Page 8, Jupiter Ocean Mile
Northern Notes

Living With The Endangered or along the shallow, grassy not aggressively defend it from people or predators. They
may fly away or just sit nearby until the intruder is gone.
shorelines of lakes. Both
Snail Kite habitats have a mixture of This behavior can lead people to think that their presence is
short plants and open water, not bothering the birds; however, any time a nest is untended
By Katie Roundtree, making them great places the chicks or eggs are vulnerable to predators and harsh
Finance Director, for kites to see and catch temperatures. The longer the nest is exposed, the greater the
Northern Palm Beach apple snails as they climb chance of failure. The best way you can help snail kites is
County Improvement to the surface to breathe. to avoid posted nesting areas and to report any harassment
District Snail kites only eat apple or disturbance to FWC’s Wildlife Alert Rewards Program at
Our logo at Northern Palm snails, which they hunt by (888) 404-FWCC (3922). Source: www.myfwc.com.
Beach County Improvement flying low over the water while searching for their prey near NPDES tip: Please pick up after your pet. When pet
District consists of a picture the surface. Snail kites do not plunge into the water to capture waste is washed into lakes or canals the waste decays, using
of a bird within a circle snails and never use the bill to capture prey. Rather, they use up oxygen and sometimes releasing ammonia. Low oxygen
surrounded by our name. their feet to capture snails at or below the surface of the water. levels and ammonia combined with warm temperatures can
Not many people know what Only snails that are breathing air, laying eggs or crawling in a kill fish. Pet waste also contains nutrients that encourage
that bird is though. It is few inches of water are vulnerable. After capturing a snail, the weed and algae growth. Perhaps most importantly, pet waste
an Everglades snail kite kite pries it open and, using its curved bill, cuts the snail from carries diseases which make water unsafe.
(Rostrhamus sociabilis plumbeus) a crow-sized hawk, which the shell. Sometimes this feat is performed while in flight!
is easily identified by the white patch at the base of its tail. Snail kites have been protected by state and federal law
It has a unique curved bill designed to quickly pluck snails under the Endangered Species Act since 1967, making it
from their shells. Adult males are slate-gray, while females illegal to harass, kill, capture or collect them. This includes
are brown with varying amounts of white streaks on the face, protection from activities that disrupt normal breeding,
chest and neck. A unique trait of both sexes is that they have feeding or sheltering. The Florida Fish and Wildlife
red eyes. Conservation Commission (FWC) and the U.S. Fish and
Snail kites can be found in Central and South America, Wildlife Service protect nest sites by posting signs around
but the Everglade snail kite (R. s. plumbeus) is the only sensitive areas during the breeding season. Always avoid
subspecies found in the United States. Their entire U.S. posted areas, particularly from February through August,
range is restricted to South Florida, where they can be found and stay back at least 500 feet from warning signs.
in shallow freshwater marshes, like those of the Everglades, Snail kites will leave their nest when bothered, but may
Financial Focus

Will Your Money Last As able to cover some of the out of pocket health care costs would pay a death benefit to your beneficiary, but if you
did need the care, your policy would pay benefits toward
you’d normally have to pay if you’re retired.
Long As You Do? • Invest as much as you can in your retirement. During those expenses.
your working years, contribute as much as you can afford • Choose an appropriate withdrawal rate. During your
By Sally Sima Stahl to your IRA and your 401(k) or similar employer-sponsored retirement, you’ll need to withdraw money from your
What do your fellow retirement plan. And every time you get a raise, try to IRA, 401(k) and other retirement accounts. But you’ll
citizens fear mos t? increase the amount you put into your employer’s plan. want to avoid taking out too much each year, especially
Almost half of them – 49 • Protect yourself from long-term care costs. If you’re during the early years of your retirement. It’s important
percent – are most afraid fortunate, you’ll never need any type of long-term to establish an annual withdrawal rate that’s appropriate
of running out of money care, such as an extended stay in a nursing home or the for your needs, taking into account your age, sources of
during retirement, a higher services of a home health care provider. Still, there are income, lifestyle and other factors.
percentage than the 44 no guarantees, and long-term care expenses can be big The thought of running out of money during retirement
percent whose chief concern enough to threaten your retirement savings. The average is scary indeed – but by making smart choices, you can
is failing health, according cost for a private room in a nursing home is about go a long way toward alleviating this fear and enjoying
to a recent survey by Aegon $100,000 per year, while a home health aide costs about your life as a retiree.
Center for Longevity and $50,000 per year, according to the insurance company This article was written by Edward Jones for use by your
other groups. Genworth. Medicare typically pays just a small portion of local Edward Jones Financial Advisor.
What steps can you take to help ensure your money these amounts, so you may want to purchase a long-term Edward Jones, its employees and financial advisors are
will last as long as you do? care insurance policy that will pay for qualified long-term not estate planners and cannot provide tax or legal advice.
Here are a few suggestions: care costs. Or you might consider a “hybrid” policy, which Call me for a free portfolio review at (561) 748-7600,
• Estimate your longevity. None of us can say for combines long-term care protection with life insurance. Sally Sima Stahl, AAMS, 1851 W. Indiantown Road, Ste.
sure how long we’ll live. However, you can make some So, if you never needed long-term care, your hybrid policy 106, Jupiter, FL 33458.
educated guesses based on your health and family history.
And once you do have at least a ballpark figure, you can
then determine about how much money you may need
to last the rest of your lifetime. A word of caution: It’s CAMPBELL AND KARLIK, P.A.
probably going to be more than you think. Health care
costs alone can run into the hundreds of thousands, even ATTORNEYS AT LAW
with Medicare.
• Determine when you’ll retire. Your retirement age
will have a big impact on how long your money can last.
The longer you work, the more you can contribute to your Wills • Trusts • Estate Planning • Probate
retirement plans, such as your IRA and 401(k). Plus, if
you have health insurance through work, you should be Taxation • Real Estate • Corporations

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