The Insider - November 2022

The INSIDER NOVEMBER 2022 51

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Financial Focus®
Jordan T. Spohn, AAMS® Financial Advisor For EDWARD JONES (954) 973-0825

Here's Your 'Recession Survival' Checklist
It’s unfortunate, but recessions are a fairly normal part of the economic out of a recession, stock prices tend to bottom out and then rebound, so if
landscape. When a recession occurs, how might you be affected? The answer
depends on your individual situation, but regardless of your circumstances, you had headed to the investment “sidelines,” you would have missed the
you might want to consider the items in this recession survival checklist: opportunity to benefit from a market rally.

Assess your income stability. If your employment remains steady, you may Revisit your performance expectations. During a bear market, you will
not have to do anything different during a recession. But if you think your
income could be threatened or disrupted, you might want to consider joining constantly be reminded of the decline of a particular market index, such as
the “gig economy” or looking for freelance or consulting opportunities. the S&P 500 or the Dow Jones Industrial Average. But instead of focusing
on these short-term numbers, look instead at the long-term performance of
Review your spending. Look for ways to trim your spending, such as
canceling subscription services you don’t use, eating out less often, and so on. your portfolio to determine if you’re still on track toward meeting your goals.
Assess your risk tolerance. If you find yourself worrying excessively
Pay down your debts. Try to reduce your debts, especially those with
high interest rates. about declines in your investment statements, you may want to reevaluate

Plan your emergency fund. If you haven’t already built one, try to create your tolerance for risk. One’s risk tolerance can change over time — and
an emergency fund containing three to six months’ worth of living expenses,
with the money kept in a liquid account. it’s important you feel comfortable with the amount of risk you take when

Review your protection plan. If your health or life insurance is tied investing.
to your work, a change in your employment status could jeopardize this Keep diversifying. Diversification is always important for investors — by
coverage. Review all your options for replacing these types of protection.
Also, look for ways to lower premiums on home or auto insurance, without having a mix of stocks, mutual funds and bonds, you can reduce the impact
significantly sacrificing coverage, to free up money that could be used for
health/life insurance. of market volatility on your portfolio. To cite one example: Higher-quality

Keep your long-term goals in mind. Even if you adjust your portfolio bonds, such as Treasuries, often move in the opposite direction of stocks, so
during times of volatility, don’t lose sight of your long-term goals. Trying to
“outsmart” the market with short-term strategies can often lead to missteps the presence of these bonds in your portfolio, if appropriate for your goals, can
and missed opportunities.
be valuable when market conditions are worsening. (Keep in mind, though,
Don’t stop investing. If you can afford it, try to continue investing. Coming that diversification cannot guarantee profits or protect against all losses in a
declining market.)

A recession accompanied by a bear market is not pleasant. But by taking the
appropriate steps, you can boost your chances of getting through a difficult
period and staying on track toward your important financial goals.

This article was written by Edward Jones for use by your local Edward

Jones Financial Advisor. Edward Jones, Member SIPC

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56 NOVEMBER 2022 The INSIDER

The Property Appraiser’s Office does not set your tax rates, collect in the third column “Exemptions” on the individual tax bill. Any new 2023
property taxes, or determine how the tax revenue is allocated by local Homestead Exemptions will show online in late-December.
government. Florida law requires our office to assess all property
based on the market data on January 1 of each year. We are also able to If you have any questions regarding your Homestead Exemption or other
grant tax-saving exemptions to qualified applicants. The property tax bills tax-saving exemptions, please contact our Customer Service Department at
are mailed by the Broward County’s Records, Taxes & Treasury Division. 954-357-6830.

If you have questions regarding the payment of your tax bill, please contact Escrow Adjustments for 2022 Tax Bills
their office at 954-831-4000 or visit their website at https://www.broward.
org/RecordsTaxes Treasury The Property Appraiser’s Office does not handle anything related to the
financing of property. If you make monthly escrow payments for your property
Where Is My 2023 Homestead Exemption? taxes, your mortgage or escrow company typically does an escrow analysis
after paying your annual tax bill. After this analysis, your mortgage company
The tax bill you received this November from the Broward County Tax will contact you directly if there is any change to your monthly payment
Collector is for the 2022 tax year. If you purchased your home in 2022 and the Should you have any questions about this, you should contact your mortgage
previous owners of your new home were entitled to and received Homestead company for assistance.
Exemption or any other exemption on January 1, 2022, you may have inherited
their exemptions on your 2022 property tax bill. Florida Statutes require these Quarterly Installment Payments
2022 exemptions be removed for 2023 and the property be reassessed at the
2023 Just/Market Value. This will often result in an increase in your 2023 If you pay your property taxes through Broward County’s quarterly
property taxes so it is important you apply for 2023 Homestead Exemption and installment plan, any newly approved 2022 exemptions will be applied to
any other exemptions for which you may qualify. Your new 2023 Homestead the 3rd and 4th installment payment amounts. Any adjustments for 2022 are
Exemption will be reflected next year on all 2023 property records, notices, made on the final two quarterly 2022 installment tax bills.
and tax bills. Any exemptions applied to the tax bill are totaled and shown
If my office can ever be of assistance to you, please do not hesitate to contact
me directly at [email protected].

The INSIDER NOVEMBER 2022 57

BOOK Chery’s Blinds
SIGNING and Interiors

By Lynne List Blinds, Drapes, Floors and More...
Hi Everyone! My new book Tomorrow is
Today has finally arrived and I am planning SALES • INSTALLATION • REPAIRS
on offering personalized copies to Wynmoor
residents at discounted prices. Mark the date on you get Serving South Florida’s Business and
your calendar. Monday, December 19th from
noon to 2:00 p.m. in the Clubhouse Library. 10%OFF Homeowners for over 25 years with
More details will be available next month. when you
This book is a romantic domestic suspense Mention Quality and Affordability
with a shocking conclusion. It is a compelling This Ad
story of an idyllic marriage which turns into a
union of suspicions and allegations when the 4300 N.E. 5th Avenue | Oakland Park, FL 33334
wife begins receiving romantic gifts and emails [email protected] | 954-563-4545
from an unknown suitor. Is she having an affair www.cherysblinds.com
as her husband suspects or is she innocent as
she vehemently protests? Discovering the truth
takes the reader down many paths of possibilities.
The reader will gasp in surprise and shock at the
ending.
You can get full information about the book,
and my first one No Time to Regret, on my
website: LynneList.com.
Thinking about what to purchase for a holiday
gift? This easy-to-read novel, with larger than
usual print, is the solution. Come on December
19th (place to be announced next month) and
get a personalized copy for yourself and one for
those on your holiday list; all at discounted prices
I have a limited number of copies, so it is first
come first served. Don’t miss out.

58 NOVEMBER 2022 The INSIDER

The INSIDER NOVEMBER 2022 59

Annual Coral Springs/Parkland Pre-Thanksgiving

Interfaith Unity Service at Temple Beth Orr

By Esther Zipper

Welcome to the Annual Coral Springs/ works together on the inspirational
Parkland Pre-Thanksgiving Interfaith prayer content, within the framework of
Unity Service, a well-established a musical program that is designed by
tradition that the community looks the choral directors of all four sponsor
forward to every year. The service congregations. The joint choir and
convenes at 7:00 p.m. on Tuesday, children’s choir are made up of members
November 22nd, at Temple Beth Orr, of all participating congregations. In
this year’s host congregation. This much order to maximize the interfaith aspects
anticipated annual event draws on of the Unity Service, the preacher
people of all faiths from over a dozen invited to offer the evening’s sermon
local houses of worship to “praise God is not the spiritual leader of the host
from whom all blessings flow.” For congregation.
over 30 years, this service has featured
a combined choir of all participating Everyone is welcome to attend this
congregations, a joint children’s choir year’s event. For more information
and a presentation by the Mayors of about the Pre-Thanksgiving Interfaith
Coral Springs and Parkland in honor of Unity Service, please contact the
the occasion. spiritual leader of your house of worship
or call Temple Beth Orr at 954-753-3232 x201.
We will be collecting canned goods to help feed the needy. A cash offering Temple Beth Orr is a multi-generational and multi-ethnic community,
will also be taken, to show our thanks for our many blessings. made up of singles, couples, and interfaith and gay and lesbian families.
It is located at 2151 Riverside Drive Coral Springs, FL 33071 (southwest
The Unity Service has been a local tradition since 1991, asserting local corner of Riverside Dr. & Royal Palm Blvd.). For more information: E-mail:
pride at being a richly multi-faceted community where diversity is cause [email protected]; website: www.templebethorr.org. Telephone:
for celebration rather than friction, and where everybody has a place at our 954-753-3232 x201.
shared table. The local Clergy Coalition of Coral Springs and Parkland
SAY SOMETHING
SEE SOMETHING

60 NOVEMBER 2022 The INSIDER

LOUD, CLEAR
and FREE

Specialized Telephones

Refresh Your Driving Skills And You Florida residents with hearing loss are eligible to receive a free
Could Save On Auto Insurance amplified phone from the non-profit Florida Telecommunications
Relay, Inc. Cordless and corded phones for persons with mild to
When you take the AARP Smart Driver™ online course, you could be severe hearing loss. Bluetooth compatible device available for
elibible for a multi-year discount on your auto insurance.* anyone that does not have an active landline. Limit one per customer.

Plus safer driving can save you more than just money. Center for Hearing and Communication
The course teaches proven driving techniques to help keep you your local distributor of Amplified Phones

and your loved ones safe on the road. 2900 W. Cypress Creek Rd.
Additionally, you’ll learn: Suite 3
• Important facts about the effects of medication on driving.
• How to reduce driver distractions. (in the back of the building)
• How to maintain the proper following distance behind another car. Fort Lauderdale, FL 33309
• Proper use of safety belts, air bags, anti-lock brakes and new
Office: 954-601-1930
technology found in cars today.
• Techniques for handling left turns, right-of-way, and roundabouts. We’re OPEN and serving the community by
• Age-related physical changes and how to adjust your driving to APPOINTMENT ONLY

compensate. Please contact to schedule

For more information please contact Gloria Joseph 786-753-9519 Melanie Pagan 786-228-6221
AARP directly at [email protected] [email protected]
FTRI Outreach Specialist FTRI Outreach Specialist
1-800-350-7025 or go to their Nou Pale Kreyol Se Habla Espanol
website, www.aarpdriversafety.org
The CHC is an authorized distributor for Florida Telecommunications
*Upon completion, you may be Relay, Inc. (FTRI), a statewide non-profit that
elibible to receive an auto insurance provides SPECIALIZED TELEPHONES, at NO
COST to ALL eligible Florida Residents with
discount. Other restrictions may hearing loss.
apply. Consult your agent for details.

The INSIDER NOVEMBER 2022 61

Women from
Wynmoor

baking Challah
for holidays
at the

Coconut Creek
Chabad

62 NOVEMBER 2022 The INSIDER

WYNMOOR Golf and Tips
By Kevin Battersby, PGA
A Sensible and Logical System

to Hit Irons Shots off the Turf

By far the ability to hit your iron level one and two you want the tee out of the ground after contact. This
shots off the fairways is a challeng-
ing task in golf. Even with the lusher strike should be higher on the face of the club imparting backspin to achieve
addition to the Wynmoor fairways the
ball doesn’t sit up as high as some of your proper height requirement. If you are successful doing these two levels
the northern courses you play. Hence, then the final height is more attainable.
I will outline a three-prong strategy to
help you achieve more solid and higher Ground Zero - there is no tee and you must strike the ball and then the
shots.
In this system there are three tee heights that will have pictures attached ground after as illustrated in the picture attached. Of course, you must have
to this article.
Level 2 - might be considered your tee height on a par three with an iron the appropriate ball position before attempting these heights.  Simply, go
or hybrid. Your goal is to contact the ball, tee, and then the ground making
a descending blow. If you are not successful doing this the next level will by Harvey Penick’s tip and take a practice swing take note of the divot and
be more difficult.
Level 1 - this is lower than your normal iron shot height on a par three. position the ball to the rear side of your divot.
Again, you must contact the ball, tee, and then the ground. Note in both
You could implement this strategy over a few weeks period and if your
achieving the goals outlined you should be more confident on your fairway
shots going forward.  Note: If you always played on tees you could get

under that teed ball but once the tee is gone there is nothing to get under

especially on most Bermuda grass fairways.
Kevin Battersby, PGA
Private Lessons at Palm-Aire Country Club
954-444-1031

Level 2 - par three iron shot, ball, tee, divot after ball Level 1 - lower tee height iron shot, ball, tee, divot Ground Zero - If you have successfully made contact
right handed player after ball with tee and ground in previous levels, this should be
attainable, divot after ball contact

NOTICE From JB Branstrom, Wynmoor Golf Superintendent:

“We will be planting rye grass on the back nine roughs for the cooler months. Celebration Bermuda
grass will be installed in these areas when the weather warms. The other areas are playing great!”

The INSIDER NOVEMBER 2022 63

Robin Wechter
By Philip Wechter

It is with great sadness that long time Wynmoor resident Robin

Wechter passed away. My wife Robin always lived her life helping

other people. She was a registered nurse for over forty years. When

I had my recent operation, she did her best to care for me (while

being in a wheelchair). That was Robin. She was my wife, my lover,
my best friend and confidant, and of course my better half for over
forty five years. That is no small accomplishment these days. She
will be greatly missed by all those that knew and loved her.

Women’s Pool Group

“ The MsCues”

This is for beginners and advanced players.
Open to all levels of skill from the beginner

to the advanced player.

Have fun and meet new friends!
This is a free event open to all Wynmoor Residents

and their guests.
We meet every Tuesday at 3:00 PM in the Pool & Billiard Room

Questions: Carol [email protected] or 978-979-1681.

Commercial Vans, Trucks, etc.

Are NOT permitted to park
overnight on Wynmoor property.

64 NOVEMBER 2022 The INSIDER

The small-town market with all the personal touches
you have come to expect has a brand new name!

Fresh Produce, Gourmet Coffee, Baked Good and Desserts,

SaturdayArtisan Items, Ready-To-EatFood, PetProductsand More!

November 5 & December 2

FREE CLASSIC ROCK, TROP-ROCK, JIMMY BUFFET MUSIC

ADMISSION SATURDAY, NOVEMBER 12
STARTS AT 7PM
FREE
COMMUNITY CENTER, 1100 LYONS ROAD CoconutCreek.net/Homegrown
ADMISSION Saturday
November 19

2PM - 6PM

Sabal Pines Park, 5005 NW 39th Avenue

ANNUAL FALL CELEBRATION WITH MUSIC, ENTERTAINMENT,
KIDS ACTIVITIES, FOOD TRUCKS, VENDOR FAIR AND MORE.

FREE SHUTTLES AVAILABLE FROM THE BUTTERFLY
PARKING LOT ACROSS FROM THE SEMINOLE CASINO.

CoconutCreek.net/FallHarvest

For more information please visit
CoconutCreek.net/Events or call (954) 545-6682

GET THE LATEST CITY NEWS

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66 NOVEMBER 2022 The INSIDER

Puzzles and Games Solutions from page 21

Crossword Puzzle Thankful For Sudoku

The hidden message is: SOME PEOPLE ARE ALWAYS GRUMBLING BECAUSE Binox
ROSES HAVE THORNS; I AM THANKFUL THAT THORNS HAVE ROSES.

SPOT
10
DIFFERENCES

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68 NOVEMBER 2022 The INSIDER