Page 17 - PGA Community News - August '23
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August 2023                                                               August 2023                                                  PGA C.A.N.!, Page 17

      KOOL 105.5 Radio from page 16                     gourmet specialty groceries used for the finest recipes. The
                                                        chain is currently comprised of five convenient locations
      South Florida’s premier specialty supermarket featuring   throughout Broward and Palm Beach counties. Customers
      top quality fresh meats, authentic Italian-American deli,   enjoy a comfortable shopping experience with personal
      farm  fresh  fruits  and  vegetables,  seafood  department   customer service and very competitive prices of top quality
      with daily fresh offerings, Italian-American bakery with   foods.  Doris  Italian  Market  &  Bakery  is  committed  to
      an assortment of goods baked daily, a complete catering   customer satisfaction and serving generations to come.
      service  offering  premium  selections,  wine  department
      featuring a collection of wines from around the world and      Photos by Doris Italian Market & Bakery

        Financial Focus                          ®                                                         Dave Trevino, Michael Griffin of distributor Winebow, Amanda



        What Does It Cost Not To                        need life insurance equal to about seven to 10 times your   Richey

        Have Life Insurance?                            pretax annual salary. That’s not a bad “ballpark” figure,   Identify
                                                        but not everyone is playing in the same ballpark. To get a
                                                        true sense of how much of a death benefit you require from
        By Sally Sima Stahl                             your life insurance, you’ll need to consider a variety of
            It’s  probably  not                         factors, possibly including your current income, spouse’s   Dyslexia Early
        on your calendar, but                           income,  the  size  of  your  mortgage  (in  addition  to  other
        September    is   Life                          liabilities), number of children, educational expenses and
        Insurance    Awareness                          final expenses for funeral arrangements.           By Jim Forgan, Ph.D.,
        Month.  And that means                              •  What  type?  You can essentially choose between   School Psychologist
        it’s a good time to become                      two basic types of life insurance: term and permanent. As      Dyslexia can be identified
        more aware of the benefits                      its name suggests, term insurance is designed to provide   in a child who is at least
        of having life insurance                        coverage for a designated period, such as 10 or 20 years.   halfway through kindergarten
        – and the dangers of  not                       Generally speaking, term insurance is quite affordable for   and age 5½  or older. There
        having it.                                      most people, especially when they buy policies as young   are always early warning signs
            Unfortunately ,                             adults. On the other hand, permanent insurance, such as   like those in Chris that point to
        confusion about some                            whole life or universal life, is usually considerably more
        of the basic elements of                        expensive than term insurance. This is because permanent   reading difficulty.
        owning life insurance may be keeping people from getting  insurance premiums, in addition to providing a death      Chris’ mom explained it
        the protection they need. More than half of uninsured  benefit,  help  build  cash  value,  which  you  can  typically   this way. In Pre-K Chris had
        Americans say they have put off purchasing coverage  access through loans or withdrawals, giving you additional   difficulty identifying letters and
        because they don’t know what to buy or how much  flexibility should your financial needs change over time.   the sounds they made as well as rhyming. In kindergarten she still
        they need, according to Life Happens and LIMRA, two  In choosing between term and permanent insurance, you’ll   had trouble rhyming. She had trouble sounding out words when
        nonprofit organizations that provide research and education  want to evaluate several issues, such as how long you think   reading. Her reading was labored, not quick or fluent. She guessed
        about life insurance.                           you’ll need coverage and how much you can afford to pay   words by their first letter. She mixed up letter sound sequences
            Yet, while this confusion may be understandable,  in premiums.                                 in a word or forgot the same word she just read on the previous
        a delay in acquiring appropriate insurance can be costly     Finding out about the benefits, costs and types of life   page again and again. She seemed to learn best memorizing flash
        in more ways than one. From a strict dollars-and-cents  insurance can help you make informed choices to help   cards. She can somewhat read but it has taken way more amounts
        perspective, it’s generally much more affordable to buy life  protect your family for years to come – so don’t delay
        insurance when you’re younger. But there are potentially  learning what you need to know.          of flash cards and assistance than should be required. I think she
        much greater costs involved in not having insurance when     This article was written by Edward Jones for use   has dyslexia.
        it’s needed — and these costs are personal.     by your local Edward Jones Financial Advisor, Edward      Our thorough testing confirmed this mom’s intuition and
            To be specific, what is it worth …          Jones, Member SIPC.                                provided her with the paperwork needed to obtain school help
            … to know your family could stay in your home if     Edward Jones is a licensed insurance producer in   through an Individualized Education Plan (IEP) as well as apply
        something happened to you?                      all states and Washington, D.C., through Edward D.   for and receive the Florida Family Empowerment Scholarship.
            … to know your children could continue their  Jones & Co., L.P., and in California, New Mexico and   The scholarship money helped mom pay for one-to-one private
        education plans?                                Massachusetts through Edward Jones Insurance Agency   tutoring using the gold standard Orton-Gillingham multisensory
            … to know your debts could be paid without burdening  of California, L.L.C.; Edward Jones Insurance Agency of   reading instruction. This approach has decades of research
        your family?                                    New Mexico, L.L.C.; and Edward Jones Insurance Agency   backing its effectiveness in helping people with dyslexia become
            Clearly, if you were to assign these benefits a “price  of Massachusetts, L.L.C.               strong and proficient readers.
        tag,” it would be pretty high.                      Edward Jones, its employees and financial advisors
            And that’s the value of owning sufficient life insurance.  cannot provide tax advice. You should consult your      Once your child is officially diagnosed with dyslexia there
            So, let’s return to the issue of people putting off buying  qualified tax advisor regarding your situation.   are five ingredients for helping your child overcome dyslexia.
        insurance because they don’t know how much they need,     Contact us at (561) 748-7600, Sally Sima Stahl,   You must have the right curriculum, use it at least twice a week
        or what type they should have:                  AAMS, 1851 W. Indiantown Road, Ste. 106, Jupiter, FL   one-to-one, keep at it for over a year, work with a trained reading
            •  How  much  is  enough?  You might hear that you  33458.                                     specialist, and keep your child engaged and incentivized. We’ve
                                               Paid Advertisement                                          seen this recipe work for children time and time again.
                                                                                                              I co-authored the book Parent’s Quick Start Guide to Dyslexia
                                                                                                           which provides a quick, but deep dive into what to immediately
                                                                                                           do when your child is diagnosed with dyslexia. When it comes
                                                                                                           to helping your young child, time is too precious to squander.
             Stylish Senior Living at Devonshire                                                                    Summer Is



                                                                                                                           Here!

          Devonshire at PGA National is the premier
          senior living community in Palm Beach Gardens                                                         Summer is here! Along with summer comes the
          managed by Erickson Senior Living,® a nationally                                                   increased temptation to utilize the golf courses as a
          recognized leader among continuing care retirement                                                 park/playground, but we must ask you to refrain from
          communities. Whether it’s our delicious restaurants                                                any non-golf related access.

                                                                                                               Summer is a time when tremendous maintenance
          and cafés or the array of social clubs and events,                                                 is performed on all the courses, so there is a great
          you’ll keep yourself busy at Devonshire. At our                                                    deal of equipment and work being done. In addition
          community, it’s easy to stay active, healthy,                                                      it is a time when golfers play early to beat the heat
          and engaged.                                                                                       and also play late to do the same.
                                                                                                                For your safety, please do not access the courses
                                                                                                             unless you are registered to play golf.
          See our stunning floor plans!                                                                                                        Thank you
          Call 1-800-260-9471 for your free brochure,
          or visit DevonshirePGA.com.




                                                                                                            Captain’s was established in 1980 servicing
                                                                                                            Palm Beach County and is a privately
                                                                                                            owned and managed company.
                                       350 Devonshire Way                                                   Captain’s is committed to providing
                                       Palm Beach Gardens, FL 33418                                         dependable, reliable and professional
                                       1-800-260-9471                                                       ground transportation to and from all
                                       DevonshirePGA.com                                                    South Florida Airports and Seaports.
                                                                                                    730401-SP  To reserve your vehicle:     PBCVH212
                                                                                                            561-798-2180 or 800-634-7890  www.captainsairport.com
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