Page 12 - PGA Community News - July '23

Page 12, PGA C.A.N.! July 2023 July 2023

Chichén Itzá: from page 11

in alignment with the heavens.
Its name means “snail” and it is
referred to as “the observatory” with
alignments that focus on the path of
Venus as it moves across the sky.
Unlike structures built out of
stone carved from mountains,
the building blocks for the city of
Chichén Itzá had to come from
below the ground. About four miles
west of the city, a number of caves
have been found created by the El Caracol View of the Great Ball Court from El Castillo
removal of building stones. Known
as Balankanché, these caves are considered sacred and have great daytrip visit from either of these vacation opportunities. located at Mirasol Town Square, 11360 North Jog Road,
yielded numerous artifacts. Don’t forget your camera and walking shoes. Building A, Suite 102-6, Palm Beach Gardens. The agency
The altar of the Mayans was a stone table modeled after a The late Don Kiselewski wrote from his personal has been serving the travel needs of the South Florida area for
reclining man with his knees and shoulders raised leaning on experiences, having traveled in 122 countries and cruised the over a quarter of a century. Contact them at (561) 694-9696
his elbows, holding a plate or bowl on his stomach. This altar oceans, seas and rivers of the world. Palm Beach Gardens or Aussie@PBGTravel.com.
was used for human sacrifice. In 1875, Augustus and Alice Travel Leaders, his family owned and operated agency, is Photos by Don Kiselewski
Le Plongeon were the first to excavate this figure naming it a
chaacmol. Today it is called a chac mool.
reported to be the second most visited archeological site in Financial Focus ®
Chichén Itzá is a UNESCO World Heritage Site, and

Mexico. I would suspect that the U.S. cruise industry along
with the tourist development in Cancún and Riviera Maya have Biggest Threats To A a CD “ladder” — a group of CDs that mature at different
played the largest influence on obtaining this ranking. It is a times — to provide you with resources for the next few
Comfortable Retirement? years and allow your equity investments time to recover
their value.
By Sally Sima Stahl • Unexpected costs – You had them when you were
If you save and working, and you’ll probably have them when you’re
invest for decades, you’d retired: the furnace that breaks down, the car that needs
like to know you can retire a major repair, and so on. But if you’ve established an
without financial worries. emergency fund containing a year’s worth of living
Nonetheless, you still expenses, with the money kept in a liquid account, you
have to be aware of some may be able to “ride out” these costs without jeopardizing
threats to a comfortable your investment portfolio. Be sure to keep these reserves
retirement — and how to separate from your typical day-to-day accounts to avoid
respond to them. the temptation of spending your emergency money.
These threats include: • Health – Retirees may face more health concerns
• Inflation – Inflation than younger people, and those concerns often come with
has been high recently, larger medical bills. That’s why it’s important to maximize
but even a mild inflation rate can seriously erode your the benefits from Medicare or your Medicare Advantage
purchasing power. In fact, with just a 3 percent inflation plan. Also, if you contributed to a Health Savings Account
rate, your expenses could double in about 25 years — and (HSA) while you were working, and you haven’t depleted
Cenote Xtoloc your retirement could easily last that long. So, if you’re it, you can use the money in retirement. As long as the HSA
going to rely on your investment portfolio for a sizable funds are used for qualified medical expenses, withdrawals
part of your retirement income, you will need to own a are tax- and penalty-free, and won’t be included in your
Reminder From reasonable number of growth-oriented investments, such income. This could help keep your income below certain
as stocks or stock-based funds, whose potential returns can levels, lower your Medicare premiums or avoid the 3.8
The POA/ARC equal or exceed the inflation rate. percent surtax on net investment income that can be
• Excessive withdrawals – Once you retire, you assessed on high-net-worth taxpayers.

Retirement can be a pleasant time in your life — and
should establish a withdrawal rate for your portfolio —
POA documents require an amount you can take out each year and still feel secure you’ll enjoy it more if you’re prepared for the challenges
that all residents apply for that you won’t run out of money. Some people make the that face all retirees.
This article was written by Edward Jones for use
mistake of withdrawing too much, too soon, once they’re
POA and HOA approval prior retired. Your withdrawal rate should be based on several by your local Edward Jones Financial Advisor, Edward
to making any changes to factors, including your age at retirement, the size of your Jones, Member SIPC.
the exterior of your home, portfolio and the amount of income you receive from other Edward Jones is a licensed insurance producer in
including but not limited to sources, such as Social Security. A financial professional all states and Washington, D.C., through Edward D.
tree removal or planting, new can help you determine a withdrawal rate that’s appropriate Jones & Co., L.P., and in California, New Mexico and
landscaping, painting, roofing, additions or construction, for your needs. Massachusetts through Edward Jones Insurance Agency
fencing, hurricane shutters, impact glass, play equipment, • Market volatility – The financial markets will of California, L.L.C.; Edward Jones Insurance Agency of
garage door replacement or any other change, you must always fluctuate. When you’re still working, this volatility New Mexico, L.L.C.; and Edward Jones Insurance Agency
contact the PGA POA Architectural Review Committee for may not be such a problem, as you have years or decades to of Massachusetts, L.L.C.
approval. Information and forms are available at www.pga- recover from short-term downturns. But when you retire, Edward Jones, its employees and financial advisors
poa.com under the “Documents & Forms” heading or call you don’t want to have to sell investments when their price cannot provide tax advice. You should consult your
is down. To help prevent this, you can tap into the cash in qualified tax advisor regarding your situation.
627-2800. your portfolio, assuming you have enough to cover several Contact us at (561) 748-7600, Sally Sima Stahl, AAMS,
Thank you, months’ worth of living expenses. You could also draw on 1851 W. Indiantown Road, Ste. 106, Jupiter, FL 33458.
Jack Hughes,
Chairman, POA ARC Paid Advertisement

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