Page 10 - The Shores of Jupiter - January '22
P. 10

Page 10, The Shores
      Financial Focus

      What Should You Know                               your investments will rise over time. And it’s worth noting   international holdings and diversify across regions.
                                                                                                             Ultimately, your most broad-based defense against all
                                                         that, since the Great Depression, U.S. stocks have averaged
      About Investment Risk?                             9.59% annual returns, according to Morningstar Direct, an   types of risk is to build a diversified portfolio containing
                                                         investment research service. However, past performance   U.S. stocks, international stocks, corporate bonds, mutual
      By Sally Sima Stahl                                can’t guarantee future results.                   funds,  government  securities  and  other  investments.
        When  you  invest,  you                            In any case, this type of risk is real, and it’s a factor to   Diversification works because it helps reduce the impact
      incur risk – there’s no                            consider when making your investment decisions. But you   that market volatility can have on your portfolio if you only
      avoiding it. But the concept                       can’t avoid all risk by avoiding stocks and putting your   own one type of asset, such as domestic stocks. (However,
      of “risk” may be more                              money into other types of investments. Consider bonds, for   diversification can’t guarantee profits or protect against all
      expansive than you realized.                       example. When you purchase a bond, you typically receive   losses.) And you’ll also want your portfolio to reflect your
      And by understanding the                           regular interest payments and you get back your initial   individual tolerance for risk.
      different types of investment                      investment when the bond matures, provided the issuer     By being aware of the different types of risk, and taking
      risk and how these risks                           doesn’t default. But if interest rates go up and you want to   steps to mitigate them, you can create a strategy that offers
      can be addressed, you can                          sell your bond before it matures, you’ll have to offer it at a   the potential to help you achieve your important goals, such
      improve  your  skills  as  an                      “discount,” because no one will pay the full price for your   as a comfortable retirement. And by doing so, you’ll avoid
      investor.                                          bond when they can buy new ones at a higher rate.   the greatest risk of all: not investing for your future.
        The most common perception of investment risk is simply     You can help manage this type of interest rate risk     This article was written by Edward Jones for use by
      the risk of losing money. When you invest in stocks and stock-  by owning a variety of bonds with different maturities.   your local Edward Jones Financial Advisor, Edward Jones,
      based vehicles, such as mutual funds, there are no guarantees   When interest rates are rising, you can reinvest your short-  Member SIPC.
      that your principal – your initial investment amount – will be   term bonds at the new, higher rates. And in a falling-rate     Edward Jones is a licensed insurance producer in all states
      preserved. Generally speaking, if you hold stocks or mutual   environment, you can still benefit from your longer-term   and Washington, D.C., through Edward D. Jones & Co., L.P.,
      funds over a period of years, and even decades, you can   bonds, which typically pay higher interest rates.   and in California, New Mexico and Massachusetts through
      reduce the likelihood of sustaining losses that could send     Foreign or international investments also contain specific   Edward Jones Insurance Agency of California, L.L.C.;
      your investments’ value to zero. Hopefully, the value of   risks. When you purchase foreign stocks, you’ll find that   Edward Jones Insurance Agency of New Mexico, L.L.C.; and
                                                         fluctuations in the value of currencies relative to the U.S.   Edward Jones Insurance Agency of Massachusetts, L.L.C.
                                                         dollar can affect your returns. Also, international investments
                                                                                                             Edward Jones, its employees and financial advisors
        Make Your Child                                  may carry political risk, since some foreign governments   cannot provide tax advice. You should consult your qualified
                                                                                                           tax advisor regarding your situation.
                                                         and political systems may change in ways that work against
        A Better Reader                                  businesses in those countries. To contain these types of     Contact us at (561) 748-7600, Sally Sima Stahl, AAMS,
                                                                                                           1851 W. Indiantown Road, Ste. 106, Jupiter, FL 33458.
                                                         risk, you’ll want to maintain an appropriate allocation of

        By Jim Forgan, Ph.D.,                              Town Of Jupiter News
        School Psychologist
          Every child needs to
        learn how to read but                              By Ilan Kaufer,                                 Education Committee, and other important items. I always
        one in five children                               Jupiter Vice Mayor                              look forward to incorporating residents’ feedback into the
        have dyslexia so it is no                            Happy 2022, I hope                            strategic planning process and hope you will send in any
        surprise that many kids                            you and your family had                         ideas you have for the upcoming fiscal cycle.
        have problems learning                             a happy and meaningful                          Indoor Community Space
        to read. Warning signs of                          holiday season and are                            In late November, I requested that the Town Council
        dyslexia include having a                          having a great start to                         schedule a discussion on the potential construction of
        family member diagnosed                            2022! Please find below a                       indoor community and gymnasium space. Based on the
        or suspected to have                               few items that I have been                      amount of community feedback I’ve received on this
        dyslexia, slow reading aloud, difficulty sounding out   working on.                                item; I believe it is important to evaluate the potential to
        unfamiliar words, and weak everyday spelling.      Town Manager Update                             design and construction indoor space that would serve as
          Here are three ways you can help make your child a     On Dec. 8, the Town                       recreation space for youth and senior activities (pickleball,
        better reader.                                     Council approved a contract to hire former Jupiter Police   basketball, volleyball) and also serve as emergency shelter
          First, make reading enjoyable and capitalize on your   Chief Frank Kitzerow as the interim town manager. The   space in the event of storm or another emergency. The last
        child’s interests since when we are interested in a topic it   Town Council is also working to solidify the process for the   time we had a close call of a major storm event, it was
        holds our attention and intrinsically motivates us. Children   interview and selection of a new town manager. Based on   evident that there was a need for emergency shelter space,
        who struggle with reading need adults to read to and with   similar search and interview processes in the local area, this   and this type of facility could be an emergency resource
        them well into middle school. While typical readers prefer   process could take anywhere between three to 12 months.  for our community.
        to read by themselves starting in about fourth grade,   Strategic Planning Process                   Thank you for keeping up to date on these activities.
        struggling readers continue to need you to be the guide     The Town Council undertakes an annual strategic   Please make sure to follow me on social media on
        by their side. Many children enjoy reading graphic novels   planning process that begins in January. In past years,   Facebook at and on Twitter @
        such as I Survived or The Baby-Sitters Club.       I have worked on ensuring our police department has   CouncilorKaufer. If you have any comments, questions, or
          Next, recognize and verbalize that you notice your   adequate staffing, putting a green bond on the ballot for   concerns, about these initiatives or any other town matters,
        child’s struggle. It is alright to say, “I know reading is   voters, creation of an Environmental Task Force and an   please email me at
        harder for you but you have what it takes to become a good
        reader. The more we practice, the better you’ll become.”
        Teach your child to have grit which is the ability to start
        and stick with a task until it’s finished. Notice your child          Advertise in This Newspaper!
        having grit in a preferred task and then link it back to    Check out our website!
        the harder task. You might say, “You really stuck with
        that project and put in a lot of effort to finish it. You can                     or call (561) 746-3244
        have that same kind of grit when it comes to reading or
        anything you set your mind to accomplish.”
          Third, if your child and you butt heads during academic                                 “Service is our number one priority”
        work time, hire a well-qualified reading tutor. It takes
        at least twice a week tutoring to make a substantial                                                    561-743-0070
        difference in your child’s reading ability. I have a list
        of specialized reading tutors at or                                    
        visit the Lindamood-Bell Learning Center in Palm Beach
        Gardens or the Reading Success Center in Palm City.
          We offer dyslexia, learning disability, IQ, and ADHD/
        ADD testing. Learn more at or call (561)

        Captain’s was established in 1980 servicing
        Palm Beach County and is a privately
        owned and managed company.
        Captain’s is committed to providing
        dependable, reliable and professional                                                                                       Expires 1/31/22.
        ground transportation to and from all
        South Florida Airports and Seaports.  PBCVH212
           To reserve your vehicle:                                                                                      State Licensed & Insured
       561-798-2180 or 800-634-7890  Serving Palm Beach County                                CPC # 1457468 • LPG#30099
   5   6   7   8   9   10   11   12