Page 10 - The Shores of Jupiter - September '22

Page 10, The Shores
Financial Focus

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

The Secret History Of Food: to describe this as “a laugh-out-loud funny read.” once admitted that most

Strange But True Stories Siegel has written about food and culture for such people simply preferred
publications as The Atlantic, Fast Company, and The
vanilla.
About The Origins Of Paris Review. He is a former English professor who Of course, while the
author does not claim
lives with his dog, Waffles. Having now read The Secret
Everything We Eat History of Food, I would unhesitatingly place him at the this as the reason for the
top of my list of ideal dinner companions. flavor’s overwhelming
By Nils A. Shapiro It is clear that the author has done a great deal of popularity, he does
On Page 141 of this research in the development of this book. He covers an point out the following:
month’s selection, author impressive range of topics related to this one subject, “ ... vanilla is one
Matt Siegel connects taking us on a journey that extends from mankind’s of the few ice cream
comments by two other earliest days on this planet to the present day – and flavors to be named
writers to make an includes both the ways in which humans have altered the after genitalia, thanks to
interesting point: very nature of the foods we eat and the impact that foods Spanish conquistadors
“Average Americans have had on us, physically and psychologically. who ‘discovered’ it in
and Europeans not only live As just one example of human intervention, here is an the sixteenth century
better than more than 99 excerpt from the chapter on corn (originally called teosinte); and called it vainilla, a Spanish derivative of the Latin
percent of the human beings some of the text has been omitted for lack of space: vagina, because of its resemblance when spread open to
who have ever existed, they “We’re not even sure what the people who first ate harvest its seeds (and probably because they hadn’t seen
live better than most of the royalty of history...gas-station teosinte actually did with it; for starters, an ear of it their wives in a long time). They then brought the plants
minimarts now sell cabernets and chardonnays ‘far contained only five to twelve kernels compared to the five back home to Europe and spent three hundred years trying
superior in quality to the wines once drunk by the kings to twelve hundred on an ear of corn today, and each of in vain to pollinate them because they couldn’t find the
of France.’ Today supermarkets offer at low cost dozens them was only around one-tenth the weight of a modern rostellum. (Insert clitoris joke here.)”
of items almost anyone who has ever lived considered kernel. So an entire ear of teosinte would have been about One of the things we learn in the chapter, “Attack
unattainable delicacies and died without tasting.” the size of a cigarette, though probably shorter. And of the Killer Tomatoes,” is that it took six years of
It is an interesting point most of us never even think there wasn’t a central cob, so you couldn’t eat the whole escalating court battles before the U.S. Supreme Court
about. And by the time you reach that paragraph in thing ... You could eat only the tiny kernels, which were took the case that led to a key decision in 1893: “Supreme
this 270-page book, (193 of text plus 77 of Notes and individually wrapped in an almost impenetrable outer Court justices read from various dictionaries and heard
Index), you will already have learned many hundreds casing ... Yet for some reason our ancestors saw potential testimony from expert witnesses before ultimately ruling
of surprising, even shocking, facts about a subject that in this lowly grass and kept replanting it, choosing only that tomatoes were vegetables because they ‘are, like
consumes us every day of our lives. the seeds with the most attractive traits – say, height, potatoes, carrots, parsnips, turnips, beets, cauliflower,
Even better, the whole is served up deliciously by a girth, tenderness, and disease resistance – until it grew celery, and lettuce, usually served at dinner...and not,
writer with a sense of humor that prompted one reviewer into a tall and dependable grain they could live on. So it like fruits generally, as dessert.’”
was a lot like dating in high school.” Such other chapter titles as “A History of Swallowing,”
“Pie, Progress, and Plymouth Rock,” “Breakfast of
Those of us of a certain age will remember the
Your ad ubiquitous chain of Howard Johnson restaurants, 1,000 Champions” and “Honey Laundering” further attest to
the variety of topics and the author’s sense of humor.
of which lined the nation’s highways and dotted big cities
could be here! during and after the World War II era, a new location One doesn’t often find on a literary menu a tasty
smorgasbord of hearty information, served with a
opening every nine days. They were famous for their
giant outdoor signage advertising 28 flavors of ice cream.
generous helping of sweet wit. I strongly recommend
Call This book’s chapter, “The Vanilla of Society,” points that you place your order for The Secret History of Food
out among its many tasty facts that Mr. Johnson himself
as soon as possible.
561-746-3244

747-PALM

747-7256