Page 10 - Jupiter Spotlight- May '24

Page 10, Jupiter Spotlight

Financial Focus ® How To Identify Hidden Dyslexia

By Jim Forgan, Ph.D. • Messy penmanship
Term Vs. Perm: Which Is Right Stealth dyslexia is a lesser • Excessive worry
• Does not enjoy reading
known form of dyslexia that
For You? is hidden dyslexia. Individuals Some people might dismiss your concerns and instead
with stealth dyslexia are highly say your child is careless, not trying hard enough, or is an
By Sally Sima Stahl intelligent and compensate for underachiever. School staff may say that your child is too smart
If you’ve been thinking their dyslexia. They learn to to have a reading disability. The school staff may also tell you
about life insurance, rely upon their outstanding your child is not failing enough to have a learning disability.
especially if you have visual memory, intuition Some children are considered 2e or twice exceptional having
family, loved ones, or and ability to use the book’s giftedness and a learning disability. You need an evaluation to
anyone who depends context to bypass their reading understand if it’s actually stealth dyslexia or something else so
on you financially, you weaknesses. Stealth dyslexia that your child is not punished for something they can’t help.
might be curious about often goes undetected until fourth grade or later. The above warning signs of stealth dyslexia are often
the different kinds of Your child may have stealth dyslexia if he or she is very in stark contrast to the gifts where these children excel.
policies available. Which smart and can read but does not enjoy reading. Many of these Children with stealth dyslexia are often great LEGO builders
type is right for you? children don’t read for pleasure. Below are warning signs of or Roblox and Minecraft designers because they have great
Essentially, you can look at two main categories of life stealth dyslexia and be concerned if you identify three or more visual-spatial abilities and strong 3-D mental rotation. These
insurance: term and permanent. when considering your child. children see the big picture. They have language strengths
Term insurance is a pay-as-you-go option that covers a • Underachievement relative to intelligence with communication and an extensive vocabulary. Children
specific amount of time, usually 20 years or fewer. Term • Inattention or apparent carelessness with stealth dyslexia are often interesting to talk to and can
insurance benefits are paid to your beneficiaries free of • Strong oral expression but weaker written expression carry on a good conversation because of their strong critical
federal income taxes if you pass away during the coverage • Weak at sounding out unfamiliar words thinking and general knowledge.
period, but there’s no opportunity to build cash value. • Slower oral reading but stronger silent reading Call (561) 625-4125 to discuss your child or visit
Permanent insurance, such as whole life or universal • Difficulty with spelling in everyday writing (not on tests) JimForgan.com.
life, offers coverage for as long as you pay the premiums
and, in addition to providing a tax-free death benefit,
also offers a chance to build equity, or cash value, on a
tax-deferred basis.
When determining which type of insurance is
appropriate for your needs, you’ll want to consider
these factors:
• Cost – Term insurance is generally affordable for
most people, which is why it may be particularly suitable $ $ 100 off $ 250
for parents and young adults who may be at the beginning 39Usually 95
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of their careers. Permanent insurance is typically more serviCe Call with any new uv light with any
expensive, largely because it is meant to last for one’s lifetime any a/C repair water heater new installation
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and some of the premiums go toward building cash value Call for serviCe Call for serviCe Call for serviCe
in the policy and paying for other features. Generally, the 561-741-2825 561-741-2825 561-741-2825
younger and healthier you are when you purchase permanent Not valid with any other discounts, Not valid with any other discounts, Not valid with any other discounts,
insurance, the lower your rates will be. offers, or coupons. Limit 1 discount offers, or coupons. Limit 1 discount offers, or coupons. Limit 1 discount
• Length of time insurance is needed – If you think per transaction. Expires 6/10/24. per transaction. Expires: 6/10/24. per transaction. Expires:6/10/24.
you will only need life insurance for a certain period
— perhaps until your children are grown — you might
lean toward term insurance. If you feel the need for life
insurance for other goals throughout your lifetime, for
whatever reason — you might have a special needs child,
or perhaps you want to use your policy to help pay for Experience Dentistry
retirement, or you wish to include the policy as part of
your legacy and estate plans — you may want to consider
some type of permanent insurance.
• Investment preferences – You may have heard the
phrase “buy term and invest the difference.” Essentially, with a
this just means that an investor could purchase low-cost
term insurance, and then invest the money that was saved
by not getting permanent insurance. This can be a valuable
strategy in some situations, but people often don’t actually
invest the difference. A permanent insurance policy,
through the payment of premiums, may result in a steady Woman’s Touch
buildup of cash value or continued contributions to the
policy’s investment components. For many people, this
discipline is helpful.
• Future insurability – If you have health issues, it
could become difficult to get permanent insurance after Cosmetic & Comprehensive Restorative Dentistry
you’ve reached the end of a term insurance policy. (Some
term insurance policies do offer the opportunity to convert
to permanent coverage, usually without the need for a State of the Art & Same Day Restorations
medical exam.) You could avoid this potential problem
by purchasing permanent insurance when you are still
young and healthy. Nitrous Oxide/Oxygen Sedation Available
Ultimately, you will need to weigh the various factors
involved in the permanent-versus-term decision. You also
might benefit from consulting a financial professional,
who can evaluate which type of insurance is most Joanne Green, D.D.S.
appropriate for your situation. But whether it’s term or
permanent, make sure you have the coverage you need
to protect yourself and your loved ones. 10887 N. Military Trail, Suite 6
This article was written by Edward Jones for use by
your local Edward Jones Financial Advisor, Edward Palm Beach Gardens, FL 33410
Jones, Member SIPC.
Edward Jones is a licensed insurance producer in (561) 622-2815
all states and Washington, D.C., through Edward D.
Jones & Co., L.P., and in California, New Mexico and
Massachusetts through Edward Jones Insurance Agency www.joannegreendds.com
of California, L.L.C.; Edward Jones Insurance Agency of
New Mexico, L.L.C.; and Edward Jones Insurance Agency
of Massachusetts, L.L.C. Medical College of Virginia School of Dentistry - Cum Laude
Edward Jones, its employees and financial advisors
cannot provide tax advice. You should consult your Hospital of the University of Penn - General Practice Residency Training
qualified tax advisor regarding your situation. Harvard Dental School - Former Instructor
Contact us at (561) 748-7600, Sally Sima Stahl, AAMS, Boston Brigham and Women’s Dental Group - Staff Dentist
1851 W. Indiantown Road, Ste. 106, Jupiter, FL 33458.