Page 20 - PGA Community News - September '21

Page 20, PGA C.A.N.! September 2021 September 2021

Dyscalculia: Financial Focus

A Math Learning Prepare For Health Care

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

Garage sales/yard

sales are NOT

allowed in sales

PGA National.

Pressure Washing & Roof Cleaning

We are ready to exCeed your expeCtationS!
“We Clean Barrel Tile, Metal,
Asphalt Shingle Roofs & Cedar Shake Roofs”

• Screen Enclosure Frames
• Driveways • Paver Sealing
• Eco Friendly • Much More! $25 OFF
Our Guarantee - If your house doesn’t Roof Cleaning
look 157% better than before, we will With this coupon. May not
refund you 100% of your money. be combined with other
offers.
Call James for Specials!

561-248-1053

We Are Commercial Specialists!
Workman’s Comp Licensed & Insured www.pwpbg.com