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