Page 24 - PGA Community News - September '24

Page 24, PGA C.A.N.! September 2024 September 2024
What Causes Dyslexia?

By Jim Forgan, Ph.D., reading, spelling, and phonological processing testing that Once identified, dyslexia treatment is specialized
Licensed School is used. I am certified by Susan Barton who is the creator reading instruction which substantially differs from
Psychologist of the widely used and evidenced based Barton Reading general classroom-based reading instruction. Our testing
If you have a loved one and Spelling System. She taught me how to accurately identifies the best way for your child to learn to become
with dyslexia or suspected identify dyslexia through a specialized battery of tests a proficient reader.
dyslexia in your child, you that we use in my practice.
might have asked yourself,
“What causes dyslexia?” It
is a question many parents I Financial Focus ®
work with ask because when
your child is diagnosed with
dyslexia you want to know Know The Risks Of Investing – And rate. To help protect against this risk, you could own CDs of
if you caused it. I reassure many parents that they did not Not Investing varying maturities. When market rates are low, you’ll still have
cause their child’s dyslexia by not reading to the child your longer-term CDs paying higher interest, and when market
in the womb, not reading aloud enough to the child, or By Sally Sima Stahl rates rise, you can reinvest the money from your maturing
somehow not emphasizing learning in the home. Investing involves shorter-term CDs into the new, higher-paying ones.
Researchers have not identified one cause for dyslexia. risk — and so does not Now, let’s turn to a completely different type of risk — the
They have identified that dyslexia is highly genetic. If investing. You should risk of not investing. And this risk is easy to understand: If
reading difficulty resides in your family tree, it might be know how both these you don’t invest, or if you consistently invest only in the most
the root cause. Approximately 60 percent of people with types of risk can affect conservative vehicles, your money may not grow enough to
dyslexia have a genetic link. Another cause of dyslexia your ability to reach your allow you to reach your important long-term goals, such as a
is presumed due to neurodevelopmental differences in financial goals. comfortable retirement.
brain structure. Functional MRI imaging of the brain Let’s start with the risks Of course, this doesn’t mean you should never own
has allowed researchers to note reduced activations in associated with investing. conservative investments, including CDs and some types of
left temporal, parietal, and fusiform regions. There is There’s not a single bonds. When you’re saving for a short-term goal, such as a
often a deficit in the phonological loop which interferes investment risk because different types of investments down payment on a house, a wedding or a long vacation, you
with learning and remembering the sounds of language. carry different types of risk. Here’s a look at three want the money to be there when you need it, so an investment
Other researchers identified that people with dyslexia investment categories and some of the risks connected that offers protection of principal may be appropriate, even if
have slower rapid automatic naming which is distributed with them: it doesn’t provide much in the way of growth.
across four lobes and results in decreased reading speed. • Stocks – When you invest in stocks or stock-based For those long-term goals, though, you may need to build
Although the causes of dyslexia vary, dyslexia can mutual funds, you will incur the risk that the value of an investment portfolio that contains growth potential and
be identified through a comprehensive battery of school your investments may decline. Stock prices can fall for that reflects your personal risk tolerance and time horizon.
neuropsychological testing. There is not a sole test that any number of reasons – lower-than-expected earnings, Over time, your risk tolerance may change. As you get
is accepted to diagnose dyslexia but rather a pattern of a change in management, change in consumer tastes, and closer to retirement, you may want to take a somewhat more
so on. Although the historical trend for stocks has been conservative approach — but you’ll always need some
positive, there will always be periods when prices are elements of growth.
down. One way to help defend against this volatility is to When you invest, risk can’t be eliminated, but it can
hold stocks for the long term, rather than constantly buying be managed. Keeping this in mind, consider a long-term
and selling, and to own a mix of stocks from different investment strategy that allows for risk but also offers the
industries and even different countries. possibility of reward.
• Bonds – When market interest rates rise, the value of your This article was written by Edward Jones for use by your local
bonds can decline because investors won’t pay full price for Edward Jones Financial Advisor, Edward Jones, Member SIPC.
them when they can get the newer ones that offer higher rates. Edward Jones is a licensed insurance producer in all states
Another type of risk associated with bonds is credit risk, which and Washington, D.C., through Edward D. Jones & Co., L.P.,
essentially describes the risk that the bond issuer may default, and in California, New Mexico, and Massachusetts through
potentially disrupting your flow of interest payments. However, Edward Jones Insurance Agency of California, L.L.C.;
you can help mitigate this risk by purchasing investment-grade Edward Jones Insurance Agency of New Mexico, L.L.C.; and
bonds that receive the highest credit ratings from independent Edward Jones Insurance Agency of Massachusetts, L.L.C.
rating agencies. Edward Jones, its employees, and financial advisors
• Certificates of deposit (CDs) – Although CDs are generally cannot provide tax advice. You should consult your qualified
considered safe because their principal is guaranteed, they do tax advisor regarding your situation.
carry reinvestment risk — the risk that you won’t be able to Contact us at (561) 748-7600, Sally Sima Stahl, CFP ,
®
reinvest the proceeds of a maturing CD at the same interest AAMS , 1851 W. Indiantown Road, Ste. 106, Jupiter, FL 33458.
™
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