Page 10 - Hobe Sound Reflection - April '23

Page 10, Hobe Sound

tip of tHe tAil

‘Hot Spots’ Usually only one location on the body is affected at thing. Socks over the feet will hinder scratching from

a time. The most likely places are around the neck and harming the area. Each veterinarian has their own protocol,
head or around the tail or distal back, but they can occur but each treatment is basically the same. The hair is clipped
anywhere on the body. There is not one single cause of this over the area. The area is then cleansed gently to remove
condition. Allergic skin reactions is the most common, but the debris and a drying agent or astringent is used to dry out
can also be caused by flea bites, infected ears, mosquito each lesion. Antibiotic and cortisone sprays or creams may
bites, impacted anal glands, or clipper burns. Once the skin also be used. A systemic corticosteroid will keep the animal
is irritated, the animal bites or scratches at the area and from biting or scratching the affected area and give quick
causes the acute moist dermatitis. It can develop within relief from the irritation. With proper treatment the lesion
a few hours and enlarge rapidly. Some dogs are more usually cleans up in a few days to a week with hair growth
prone to moist dermatitis than others, especially golden in a few weeks.
retrievers. These lesions are more apt to be seen during Established in 1981, Palm City Animal Medical Center
Hot spots! No it is not the new hot teen spot in town allergy season. Even though moist dermatitis is a painful, is dedicated to providing the best possible care for your
or the new restaurant in town or the new development acute, and aggressive lesion, it can usually be cured easily pets. With focuses on compassionate care in surgery,
where everyone wants to live. A hot spot on an animal if treated properly. This is not a condition to wait and see physical therapy and rehabilitation, preventative medicine,
is an acute moist inflammatory/bacterial dermatitis. It if it will go away. It is usually gets worse and can possibly extensive diagnostics, and emergency service, Palm City
goes by the names such as moist eczema, pyotraumatic cause scarring if left untreated. Animal Medical Center combines exceptional medical
dermatitis, and acute moist dermatitis. Pruritus, hair loss, Immediate treatment by the owner will slow down the care with a caring philosophy for pets and their owners.
pain, redness, severe inflammation, irritation, and exudate progression of the lesion. Gently washing the area with soap For more information, call (772) 283-0920, visit www.
characterize this disease. Because of self-trauma by the will help along with a cortisone cream or antibiotic cream. palmcityanimalmedicalcenter.com or find us on Facebook
animal, the spot grows quickly. Keeping the pet from bothering the area is the most important at www.facebook.com/PalmCityAnimalClinic.

finAnciAl focus

Open The (Back) Door To A you’re 59½. Furthermore, when you own a Roth IRA, you’re from the converted IRA itself to pay for the taxes, you’d need
another source of funding, possibly from your savings and
not required to take withdrawals from it when you turn 72,
Roth IRA as you would with a traditional IRA, so you’ll have more other investments.
flexibility in your retirement income planning and your money Ultimately, then, a backdoor Roth IRA strategy may make
By Sally Sima Stahl will have the chance to potentially keep growing. But given the most sense if you have few or no pretax assets in any
There aren’t many your income, how can you contribute to a Roth? traditional IRA, including a SEP-IRA and a SIMPLE IRA. If
drawbacks to having a high You may want to consider what’s known as a “backdoor you do have a sizable amount of pretax dollars in your IRA,
income — but being unable Roth” strategy. Essentially, this involves contributing and you’d still like to convert it to a Roth IRA, you could
to invest in a Roth IRA money to a new traditional IRA, or taking money from an consider spreading the conversion over a period of years,
might be one of them. Are existing one, and then converting the funds to a Roth IRA. potentially diluting your tax burden.
there strategies that allow But while this backdoor strategy sounds simple, it involves Consult with your tax advisor when considering a
high-income earners to some serious considerations. backdoor Roth strategy. But if it’s appropriate for your
contribute to this valuable Specifically, you need to evaluate how much of your situation, it could play a role in your financial strategy, so
retirement account? traditional IRA is in pretax or after-tax dollars. When give it some thought.
Before we delve into you contribute pretax dollars to a traditional IRA, your This article was written by Edward Jones for use by
that question, let’s consider contributions lower your annual taxable income. However, your local Edward Jones Financial Advisor, Edward
the rules. In 2023, you can contribute the full amount to a if your income is high enough to disqualify you from Jones, Member SIPC.
Roth IRA — $6,500, or $7,500 if you’re 50 or older — if contributing directly to a Roth IRA, you may also earn too Edward Jones is a licensed insurance producer in all states
your modified adjusted gross income is less than $138,000 much to make deductible (pretax) contributions to a traditional and Washington, D.C., through Edward D. Jones & Co., L.P.,
(if you’re single) or $218,000 (if you’re married and IRA. Consequently, you might have contributed after-tax and in California, New Mexico and Massachusetts through
filing jointly). If you earn more than these amounts, the dollars to your traditional IRA, on top of the pretax ones you Edward Jones Insurance Agency of California, L.L.C.;
amount you can contribute decreases until it’s phased out may have put in when your income was lower. (Earnings on Edward Jones Insurance Agency of New Mexico, L.L.C.; and
completely if your income exceeds $153,000 (single) or after-tax contributions will be treated as pretax amounts.) Edward Jones Insurance Agency of Massachusetts, L.L.C.
$228,000 (married, filing jointly). In any case, if you convert pretax assets from your Edward Jones, its employees and financial advisors cannot
A Roth IRA is attractive because its earnings and traditional IRA to a Roth IRA, the amount converted will be provide tax advice. You should consult your qualified tax
withdrawals are tax free, provided you’ve had the account fully taxable in the year of the conversion. So, if you were advisor regarding your situation.
at least five years and you don’t start taking money out until to convert a large amount of these assets, you could face a Contact us at (561) 748-7600, Sally Sima Stahl, AAMS,
hefty tax bill. And since you probably don’t want to take funds 1851 W. Indiantown Road, Ste. 106, Jupiter, FL 33458.

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