Page 6 - Jupiter West - January '23
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Page 6, Jupiter West
      Northern Notes



      Living With Snakes                                 Eventually, it may rattle                         food sources like chronically spilled bird seed under feeders
                                                         its tail to scare off the                         or pet food scraps regularly.
      By Katie Roundtree,                                threat.  Rattlesnakes,                              If  you  are  bitten  by  a  venomous  snake,  call  9-1-1
      Director of Finance and                            like  many  animals,                              immediately. Miami-Dade Fire Rescue maintains the largest
      Administration, Northern                           would prefer to leave                             and only antivenom bank for public use in the United States
      Palm Beach County                                  a dangerous situation                             and provides antivenom to hospitals in the tri-county area, but
      Improvement District                               silently. When  given                             also deploys antivenom via emergent shipping to out-of-area
        Living  in  Florida,  you                        the   opportunity,                                hospitals. If you have a snake, Africanized honeybee or large
      have no doubt seen snakes                          rattlesnakes  will  flee                          or small animal emergency or nuisance, 9-1-1 will dispatch the
      in  your  travels. A  fear  of                     from human encounters. If you see a rattlesnake in the wild,   Venom Response Team.
      snakes,  or  ophidiophobia,                        it is best to give it space or let it slither away.     Attempting to harass, handle, or kill snakes significantly
      is common in many people.                            What should you do when you come upon a snake? Just   increases your chances of being bitten. It is best to adopt a
      Interactions between people                        stand back and observe it. Snakes don’t purposefully position   “leave it be” attitude for all snakes. This attitude can also help
      and  venomous  snakes  in                          themselves to frighten people. They’d much rather avoid   to prevent the needless killing of harmless snake species. If you
      residential areas are much less common than those involving   encounters and will usually flee.      are not 100 percent sure of the identity of a snake, “leave it be.”
      nonvenomous species. The risk of snakebite (venomous     There is no good reason to kill a snake except in the unlikely     Information obtained from Florida’s Fish and Wildlife
      or nonvenomous) is minimal. Snakes defend themselves   situation of a venomous snake posing immediate danger to   Conservation Commission at: http://myfwc.com/conservation/
      primarily by fleeing but may bite if captured or harmed.   people or pets. Snakes usually bite people only if assaulted;   you-conserve/wildlife/snakes/.
      However, biting is not a sign that they are dangerous; it is the   it’s their only means of self-defense. Even a venomous snake     NPDES tip: Please pick up after your pet. When pet waste is
      only way most snakes have to defend themselves.    in the woods or crossing the road poses no threat and should   washed into lakes or canals the waste decays, using up oxygen
        Depending on your point of view, Florida is blessed or cursed   be left alone. Also, large snakes travel in large areas, so one   and sometimes releasing ammonia. Low oxygen levels and
      with a rich diversity of snakes. Forty-four species of snakes are   you see in your yard today may be far away tomorrow. When   ammonia combined with warm temperatures can kill fish. Pet
      found in every conceivable habitat, from coastal mangroves   the temperature is cooler or cold the snakes are very slow to   waste also contains nutrients that encourage weed and algae
      and saltmarshes to freshwater wetlands and dry uplands. Many   move and mostly harmless.             growth. Overly fertile water becomes cloudy and green –
      species thrive in residential areas.                 The  frequent  sighting  of  snakes  near  dwellings  or   unattractive for boating and fishing. Perhaps most importantly,
        Most snakes you encounter are likely to be nonvenomous.   outbuildings may indicate the presence of rodents. Removing   pet waste carries diseases which make water unsafe.
      By recognizing snakes and understanding their habits, you can   brush, lumber, or other debris accumulations will discourage   www.stormwaterandme.org. https://floridadep.gov/water/
      take a more relaxed attitude toward them and appreciate them   rodents and snakes. Homeowners should also police rodent   stormwater
      as an integral part of Florida’s wildlife. Northern is thrilled that
      greenways and preserves within our area can support a broad   Financial Focus
      diversity of wildlife, including snakes.
        Only six of Florida’s 44 snake species are venomous, the
      eastern coral snake, the southern copperhead, the cottonmouth,   Worried About Inflation?            mix  to  achieve  your  long-term  goals,  given  your  risk
      the eastern diamondback rattlesnake, the timber rattlesnake, and                                     tolerance and time horizon.
      the dusky pygmy rattlesnake. Out of the six, just four of them live   Consider These Moves             If you’re already retired …
      south of Gainesville. Most Florida snakes are harmless and play                                        • Consider part-time work or consulting. Once you retire
      a key role by keeping rodent populations under control. Even the   By Sally Sima Stahl               from your career, it doesn’t mean you can never do any paid
      venomous species are not particularly dangerous unless stepped     As  you  know,  inflation         work again. If you’ve accumulated years of experience and
      on or otherwise provoked.                          was  big  news  throughout                        expertise, you could use your skills as a consultant. Also,
        Eastern diamondback rattlesnakes are solitary animals that   2022.  But  will  it  continue        many part-time jobs are available for retirees. With the
      are effective ambush predators. Since these snakes are cold-  in 2023? And looking even              added income from employment, you may be able to delay
      blooded, they bask in the sun to regulate their body temperatures.   further ahead, how should       taking withdrawals from your retirement accounts and other
      This species uses gopher tortoise burrows, armadillo holes,   you account for inflation in           investments, possibly extending their longevity. (Once you
      stump holes and root channels to avoid inclement weather.   your long-term plans?                    turn 72, though, you will need to begin taking money from
      These shelters keep them warm when air temperatures become     In  regard  to  the  first            your 401(k) and traditional IRA.)
      too cold for surface activity. While foraging, rattlesnakes use   question,  many  experts             • Delay taking Social Security. You can begin taking Social
      vegetation for cover, relying on camouflage to conceal them.   predict  that  inflation  will        Security when you’re 62, but your monthly checks will be
      They are ambush predators, meaning they sit and wait in a coiled   cool  off  this  year,  though    substantially bigger if you wait until your full retirement age,
      position for prey to cross their path. They use their thermal pits   there are no guarantees. The high inflation of last year   which will likely be between 66 and 67. (You could even wait
      to help them locate warm-blooded prey. These snakes mostly   is thought to have been caused by some unusual factors,   until 70, at which point your monthly benefits will max out.)
      eat mammals such as mice, rabbits, rats, and squirrels and   such as a spike in the demand for consumer goods as the   Of course, the ability to delay taking Social Security depends
      occasionally eat ground-dwelling birds.            world came out of the COVID-19 pandemic, which led to   on whether you can afford it, but it may be possible if you
        When camouflage fails, and they feel threatened, the snake   supply chain issues. Also, the war in Ukraine drove up oil   work longer than you once planned or if you work part-time
      will begin to puff itself up to look larger and more intimidating.   prices, increasing the cost of manufacturing and shipping   in retirement. But even if you do need to take Social Security
                                                         and driving up the price of wheat and other commodities.   before your full retirement age, your payments will be adjusted
                                                           In any case, last year reminded us that inflation needs to   annually for inflation — in fact, for 2023, benefit checks will
                                                         be reckoned with as you work toward your financial goals.   rise 8.7 percent over 2022.
                                                         But how you respond to inflation will depend somewhat on     We’ll always have to deal with some level of inflation – so
        Captain’s was established in 1980 servicing      your stage of life. So, here are some suggestions to consider:   it’s a good idea to be prepared.
        Palm Beach County and is a privately               If you’re still working …                         This article was written by Edward Jones for use by
        owned and managed company.                         •  Contribute more to your retirement plans.  If  you   your local Edward Jones Financial Advisor, Edward Jones,
        Captain’s is committed to providing              can  afford  to  put  more  money  away  in  your  IRA  and   Member SIPC.
        dependable, reliable and professional            401(k),  you  may  want  to  do  so. The  more  resources     Edward Jones is a licensed insurance producer in all states
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                     (561) 315-0144                      than you once thought, you could request a hypothetical     Contact us at (561) 748-7600, Sally Sima Stahl, AAMS,
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