Page 10 - Jupiter Spotlight - September '22
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Page 10, Jupiter Spotlight
      Financial Focus



      Are You Properly Insured?                          insurance is right for you. You have two basic choices: term     In fact, life insurance should be a key component of your
                                                         or permanent insurance.                           overall financial strategy, along with your investment mix
      By Sally Sima Stahl                                  As the name suggests, term insurance provides coverage for   and the long-term goals you’ve set. Insurance can even play
        You probably won’t see                           a specified amount of time, such as 10, 20 or 25 years. Term   a role in your estate planning, as you determine the best way
      it on your calendar, but                           insurance only offers a death benefit — there’s no buildup of   to distribute assets to your family members and any charitable
      September is Life Insurance                        cash value in your policy. Generally speaking, term insurance is   organizations you support.
      Awareness Month. And it is                         considered to be quite affordable, especially when you’re young.     Life Insurance Awareness Month lasts 30 days — but your
      indeed important to be aware                         Permanent insurance, on the other hand, offers a death   need for life insurance can endure for decades. Make sure
      of  the  importance  of  life                      benefit and the opportunity to build cash value. Because of   you’re doing everything you can to protect your loved ones.
      insurance. Are you adequately                      this, premiums for permanent insurance — which includes     This article was written by Edward Jones for use by
      insured?                                           “whole life” or “universal life” — are considerably higher   your local Edward Jones Financial Advisor, Edward Jones,
        Many people aren’t. About                        than those for term life.                         Member SIPC.
      40 percent of Americans face                         Which type of insurance should you choose? Again, it     Edward Jones is a licensed insurance producer in all states
      some type of life insurance                        all depends on your situation and your preferences. Some   and Washington, D.C., through Edward D. Jones & Co., L.P.,
      gap, either because they’re uninsured or underinsured,   financial experts advise people to “buy term and invest the   and in California, New Mexico and Massachusetts through
      according to a 2021 survey by the research and advocacy   difference” — that is, use the money saved on the lower   Edward Jones Insurance Agency of California, L.L.C.; Edward
      groups LIMRA and Life Happens.                     term insurance premiums to invest in stocks and mutual   Jones Insurance Agency of New Mexico, L.L.C.; and Edward
        The need for life insurance is pretty straightforward: If   funds. Others, however, disagree, and point to the benefits   Jones Insurance Agency of Massachusetts, L.L.C.
      something were to happen to you, would your family be able to   of permanent insurance, such as the ability to borrow     Edward Jones, its employees and financial advisors cannot
      continue their same lifestyle? Would the mortgage still be paid?   against the cash value of a policy to pay for unexpected   provide tax advice. You should consult your qualified tax
      Would your children still be able to further their education?   expenses. Ultimately, in making the choice between term   advisor regarding your situation.
        So, if you decide that you should acquire or strengthen   and permanent insurance, you’ll need to look at your entire     Contact us at (561) 748-7600, Sally Sima Stahl, AAMS,
      your life insurance, how much do you need? Your employer   financial picture to determine which option is best for you.   1851 W. Indiantown Road, Ste. 106, Jupiter, FL 33458.
      may provide you with some insurance as an employee benefit,
      should have coverage worth seven or eight times your annual  Professional Firefighters
      but it may not be sufficient. You might have heard that you

      salary. But this estimate is just that — an estimate. Everyone’s
      can tell you how much insurance you require. To determine  Of Palm Beach County
      situation is different, and there’s really no one formula that
      the coverage you need, you’ll want to consider several factors,
      including your age, number of dependents, your income and     Sept. 11 marks 21 years since the attack on the World     Something to think about  also: All  children in
      that of your spouse and the size of your mortgage.  Trade Center in New York City.                   elementary, middle and high schools, and many college
        Knowing how much coverage you need is obviously     It was the largest loss of civilian life in a single event on   graduates, were born since Sept. 11, 2001. That is a day
      important, but you’ll also want to consider what type of life   U.S. soil, and it was the largest loss of life for the fire and   that adults of a certain age will remember forever, and
                                                         police services from a single incident.           will remember precisely where they were and what they
                                                                                                           were doing when news broke of the planes flying into
                                                           There were 343 firefighters and 60 police officers killed
        Helping Poor                                     while trying to save thousands of people from the towers.   the World Trade Center.
                                                         You may often notice “343” incorporated into fire department
                                                                                                             We have been very fortunate so far this hurricane season,
        Readers                                          insignias and logos, and that is where the significance of that   but remember that the peak of hurricane season is September,
                                                                                                           with most hurricanes forming in September and October.
                                                         number comes from.
                                                           Whether you go to a Sept. 11 Remembrance Ceremony, or
                                                                                                             Please stay vigilant and have a plan in place, so that
                                                         just take time to reflect, remember the nearly 3,000 civilians   you and your family are prepared should a hurricane
        By Jim Forgan, Ph.D.,                            lost, and the sacrifices made by the first responders who were   impact our area.
        Licensed School                                  trying to save as many as they could before losing their own                        Steen Eriksson,
        Psychologist                                     lives.                                                       Professional Firefighters and Paramedics
          It can frustrate you and                         We also need to show our gratitude to those first responders                of Palm Beach County,
        your child when reading                          who did survive, and remember their contributions to the                          IAFF Local 2928,
        does not develop easily.                         rescue and recovery efforts.                                                  HOAN@iaff2928.com
        Sometimes the struggle
        becomes a blame game                               Have Medicare questions? I have answers.
        of blaming the child for
        not trying hard enough,
        blaming a teacher for poor
        teaching, or even blaming
        yourself for not spending enough time reading with your
        child. Ultimately, a child’s struggles are often related to a              Kathy Olejniczak
        combination of factors including a genetic predisposition for
        reading difficulty. Many times learning disabilities such as               Licensed Sales Agent
        dyslexia occur within the family tree.                                     561-212-7640, TTY 711
          To help your child you have many choices of doing
        testing, tutoring, brain training, waiting, or talking with the
        teacher. While testing and tutoring are preferred, the one thing
        I recommend you do is not let your child lose the hope that
        they can become a great reader. When I test poor readers I
        identify the root cause and most effective reading program
        to help your child make the most improvement as fast as   Y0066_21SPRJ55188_C
        possible. I also assess a child’s self-esteem as some kids come
        in feeling defeated believing they have a broken brain.
          I understand the struggles because I had a hard time
        could memorize well. During my childhood it was common  Experience Dentistry with a Woman’s Touch
        reading sounding out words but I had a strong memory so I
        to collect things so as a 10-year-old kid I collected beer cans.
        My dad drank the beer and I displayed the can’s colorful
        designs. My parents subscribed me to Beer Can Collectors        Cosmetic & Comprehensive Restorative Dentistry
        of America and I read articles about beer cans. We went on
        the brewery tour at Busch Gardens. While these did not lead           State of the Art & Same Day Restorations
        me to my career, the activities motivated me to read.
          You might encourage your child to read about his or her            Nitrous Oxide/Oxygen Sedation Available
        interests in Pokémon, Minecraft, arts and crafts, or Candy
        Crush. Support your child’s reading interests with material
        and experiences.                                              Joanne Green, D.D.S.
          To help poor readers, start with specialized tutoring at
        reading centers like Lindamood Bell or the Reading Success          10887 N. Military Trail, Suite 6
        Center in Palm City. I have some specialized reading tutors        Palm Beach Gardens, FL 33410
        at JimForgan.com/tutor. If money is tight, you can teach your
        child using the Barton Reading System at BartonReading.    (561) 622-2815 • www.joannegreendds.com
        com. Reading is a skill so it can improve.
          If you suspect dyslexia, call our office as we test children   Medical College of Virginia School of Dentistry - Cum Laude
        ages 5.5 through college for dyslexia, ADHD/ADD,         Hospital of the University of Penn - General Practice Residency Training
        giftedness, and other processing disorders. Visit JimForgan.         Harvard Dental School - Former Instructor
        com or call (561) 625-4125.                                   Boston Brigham and Women’s Dental Group - Staff Dentist
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