Page 6 - Jupiter Ocean Mile - September '21

Page 6, Jupiter Ocean Mile
Financial Focus

Prepare For Health Care What a Difference a Year Makes. The study also found that with a Medigap policy, or Medicare Advantage, also known
retirees’ greatest financial worry is the cost of health care
as Medicare Part C. Given all the variables involved –
Costs In Retirement and long-term care – concerns that have increased during deductibles, copayments, coinsurance, areas of coverage and
the COVID-19 pandemic. availability of your personal doctors – you’ll want to choose
By Sally Sima Stahl And health care is likely going to be one of the largest your plan carefully.
It’s unfortunate but true: expenses in retirement – the average couple might • Protect yourself from long-term care costs. No matter
As we age, we encounter spend $10,000 to $12,000 per year on health care costs. which Medicare plan you choose, it won’t cover much, if
more health-related issues Nonetheless, you can boost your confidence about meeting any, of the costs of long-term care, such as an extended stay
– and they carry a price these costs by making the right moves. in a nursing home. You may want to consult with a financial
tag that can get pretty high Here are a few suggestions: advisor, who can suggest options to protect you and your
in retirement. Will you be • Take advantage of your health savings account. If family from long-term care costs, which can be considerable.
ready for these costs? you’re still working, consider contributing to a health savings And, of course, do whatever you can to stay healthy,
Perhaps your first step account (HSA) if it’s offered by your employer. This account before and during your retirement. It’s been shown that
in preparing yourself is allows you to save pretax dollars (and possibly earn employee exercise and a balanced diet can help you feel better, maintain
knowing what you may be matching contributions), which can potentially grow, and be your weight and even reduce the likelihood of developing
facing. Consider this: 80 withdrawn, tax-free to help you pay for qualified medical some serious illnesses.
percent of Americans 65 and older have a chronic condition expenses in retirement. By making the right financial moves and taking care
and 42 percent live with a disability, according to the • Incorporate health care expenses into your overall of yourself, you can go a long way toward managing your
National Coalition on Aging and the Centers for Disease financial strategy. As you estimate your expenses in health care costs in retirement – and enjoying many happy
Control and Prevention, as reported in a recent Edward Jones/ retirement, designate a certain percentage for health care, and rewarding years.
Age Wave survey titled Four Pillars of the New Retirement: with the exact amount depending on your age, health This article was written by Edward Jones for use by
status, income and other factors. You’ll certainly want to
Dyscalculia: include these costs as a significant part of your planned your local Edward Jones Financial Advisor. Edward Jones.
Member SIPC.
retirement budget.
Edward Jones, its employees and financial advisors are
A Math Learning • Learn what to expect from Medicare. You can enroll not estate planners and cannot provide tax or legal advice.
in Medicare three months before you turn 65. Before you
You should consult your estate-planning attorney or qualified
sign up, you’ll find it helpful to do some research on what
tax advisor regarding your situation.
Disability Medicare covers, or perhaps even attend a seminar or Call me for a free portfolio review at (561) 748-7600,
webinar. On the most basic level, you’ll need to choose
Sally Sima Stahl, AAMS, 1851 W. Indiantown Road, Ste.
either the original Medicare program, possibly supplemented
106, Jupiter, FL 33458.
By Jim Forgan, Ph.D.,
School Psychologist Experience Dentistry with a Woman’s Touch
Dyscalculia (pronounced
dys-cal-kule-ya) is a type
of math learning disability.
Some parents I explain this Cosmetic & Comprehensive Restorative Dentistry
to say it sounds like dyslexia
but for math. They are right State of the Art & Same Day Restorations
as dyscalculia occurs in about
half of the children with Nitrous Oxide/Oxygen Sedation Available
dyslexia. Your child might
have dyscalculia if he or she
struggles with memorizing math facts, understanding math Joanne Green, D.D.S.
vocabulary, and strongly dislikes math. Dyscalculia becomes
more noticeable as children get into upper elementary, 10887 N. Military Trail, Suite 6
middle, and high school. Palm Beach Gardens, FL 33410
Generally, people with dyscalculia have poor “number
sense” which is an intuitive understanding of how numbers (561) 622-2815 • www.joannegreendds.com
work. A lack of number sense causes people with dyscalculia
to struggle with math concepts. If your child doesn’t Medical College of Virginia School of Dentistry - Cum Laude
understand the basics about how numbers work, learning Hospital of the University of Penn - General Practice Residency Training
math and using it every day can be very frustrating. Harvard Dental School - Former Instructor
Dyscalculia warning signs include difficulty seeing how Boston Brigham and Women’s Dental Group - Staff Dentist
numbers work together, poor math fact recall, difficulty
understanding concepts like “sum” or “less than,” telling
left from right, reading an analog clock, trouble solving math
word problems, and difficulty working with dollars and coins.
Most children with dyscalculia believe they are not good at CAMPBELL AND KARLIK, P.A.
math and might experience math anxiety.
Consider having your child tested to determine the root ATTORNEYS AT LAW
cause of his or her math difficulty. There might be more
occurring than you can fix simply by telling your child
to try harder or to stop being lazy. You can learn more
at the website: www.understood.org/articles/en/what-is- Wills • Trusts • Estate Planning • Probate
dyscalculia. We offer dyscalculia testing in Jupiter and Stuart.
Kids with dyscalculia need specialized instruction and can Taxation • Real Estate • Corporations
receive school accommodations.
If you believe something is interfering with your child’s
math, reading, or writing, get it checked out. When you
take a wait and see approach it becomes harder to fix the
older your child becomes, and it can damage your child’s
self-esteem. Contact us if we can help you, (561) 625-4125
or www.JimForgan.com.

Diane L. KarLiK

Tel: (561) 625-5220
3450 Northlake Boulevard Suite 210 Fax: (561) 625-5201• Mobile: (561) 797-5004
Palm Beach Gardens, FL 33403 EMail: dlkarlik@aol.com