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YOUR CHILD’S HABITS A kids’ stuff magazine


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June 2016 - July 2016 Volume 7 - Issue Thirty Five











MIDTOWN MIAMI 3510 Biscayne Blvd. Miami, FL 33137 305.576.1234

MIAMI - LITTLE HAVANA MIAMI BEACH 1901 SW 1st St., FL 3 1701 Meridian Ave., Suite 400 Miami, FL 33135 Miami Beach, FL 33139 305.203.5230 305.673.3555

OAKLAND PARK 871 W Oakland Park Blvd. Ft. Lauderdale, FL 33311 954.567.7141

A kids’ stuff magazine

June 2016 - July 2016 Publisher | Editor Maybi Iglesias Contributing Writers Chad Taylor, Tanya Peterson Chantal Jauvin Nadya Forjan Enamorado Cheryl Smith Susan Merrill Copy Editor Assistant Tony Iglesias Accounting Martha Gonzalez


What Kids Need for a Mentally Healthy Summer

Distribution & Circulation Martha Gonzalez Miguel Perez Graphic Design Carlos Valle

Social Media Director Maybi Iglesias Marketing | Sales Maybi Iglesias Sprinkles Magazine is published bimonthly by Sprinkles Magazine inc. This magazine or any portion of it may not be reproduced in any form without written consent. Reproduction of this magazine in whole or in part is forbidden. Sprinkles Magazine is not responsible in any manner for errors or omissions or for any consequences arising from shuch. Sprinkles Magazine is not responsible for comments made by writers or advertising companies. Educational and health articles are for informational purposes only. Health articles are not to be used as medical advise. Distribution points may change at any time without prior notice. We are not responsible for any misrepresentations on comments, messages, articles, news stories, editorials and advertising through print, digital, newsletter, website or social media. We are not held responsible for printing errors. Sprinkles Magazine is a Trademark Corporation.

Photo Courtesy of: MOBY WRAP




sprinklesmagazin A kids’


stuff maga

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July 2016 June 2016 - Thirty Five Volume 7 - Issue


Signing kids up for sports

g Growin


Why Drinking Water is the Way to Go

What do you, the trees, and a hamster have in common? Give up? You all need water. All living things must have water to survive, whether they get it from a water fountain, a rain cloud, or a little bottle attached to the side of a hamster cage. Without water, your body would stop working properly. Water makes up more than half of your body weight, and a person can’t survive for more than a few days without it. Why? Your body has lots of important jobs and it needs water to do many of them. For instance, your blood, which contains a lot of water, carries oxygen to all the cells of your body. Without oxygen, those tiny cells would die and your body would stop working. Water is also in lymph (say: limf), a fluid that is part of your immune system, which helps you fight off illness. You need water to digest your food and get rid of waste, too. Water is needed for digestive juices, urine (pee), and poop. And you can bet that water is the main ingredient in perspiration, also called sweat. Besides being an important part of the fluids in your body, water is needed by each cell to function normally. Your body doesn’t get water only from drinking water. Any fluid you drink will contain water, but water and milk are the best choices. Lots of foods contain water, too. Fruit contains quite a bit of water, which you could probably tell if you’ve ever bitten into a peach or plum and felt the juices dripping down your chin! Vegetables, too, contain a lot of water — think of slicing into a fat tomato from the garden or crunching into a crisp stalk of celery. How Much Is Enough? Since water is so important, you might wonder if you’re drinking enough. There is no magic amount of water that kids need to drink every day. Usually, kids like to drink something with meals and should definitely drink when they are thirsty. But when it’s warm out or you’re exercising, you’ll need more. Be sure to drink some extra water when you’re out in warm weather, especially while playing sports or exercising. When you drink is also important. If you’re going to sports practice, a game, or just working out or playing hard, drink water before, during, and after playing. Don’t forget your water bottle. You can’t play your best when you’re thinking about how thirsty you are! When your body doesn’t have enough water, that’s called being dehydrated. Dehydration also can keep you from being as fast and as sharp as you’d like to be. A bad case of dehydration can make you sick. So keep that water bottle handy when the weather warms up! Not only does water fight dehydration, but it’s awfully refreshing and has no calories. Your body can help you stay hydrated by regulating the amount of water in your system. The body can hold on to water when you don’t have enough or get rid of it if you have too much. If your pee has ever been very light yellow, your body might have been getting rid of excess water. When your pee is very dark yellow, it’s holding on to water, so it’s probably time to drink up. You can help your body by drinking when you’re thirsty and drinking extra water when you exercise and when it’s warm out. Your body will be able to do all of its wonderful, waterful jobs and you’ll feel great!

Letter From The Publisher

I’m betting you’re feeling the same way I do, hot! You can certainly feel summer just around the corner. This charming and gorgeous state is the vacation spot for millions of families during summer every year. With our sandy beaches, famous night life and family attractions, we have been one of the most visited states in the US for many years! I, like many of you, have still too many places to discover right in my backyard. You can fly through the sky when you ride one of the roller coasters at many of the amusement parks. Soar through the sky while you zip line through the woods, sail away in one of the many beaches and go on road trips to visit the many little towns around our state. We live in a beautiful place. Take time this summer to explore new places right in your backyard! Have a happy and safe summer break!

M. Iglesias M. Perez Iglesias Publisher

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National Parks Turn100 This Year. Puts State's Five National Parks Front and Center

Arches National Park Turret Arch. Picture by Tayler Larsen

The National Park Service celebrates its 100th birthday this year. Utah’s five National Parksfeatured on offer adventure travelers and families a unique blend of accessibility and grandeur that have put these beauties on bucket lists since their birth a hundred years ago. Utah’s magnificence extends far beyond the borders of its national parks, as travelers logging on to Utah. com will discover. While visiting Arches you can explore mountain bike slickrock trails in Moab; stop by Coral Pink Sand Dunes on your way to Zion; ski the slopes of Brian Head after you hike Navajo Loop in Bryce Canyon; swim in Calf Creek Falls while exploring Capitol Reef country; and rock climb in famous Indian Creek on your way out of Canyonlands.

Canyonlands National Park

Bryce Canyon Queens Garden. Picture by Gordon Hyde


June 2016 - July 2016


Capitol Reef Fruita. Picture by Wayne Dixon

Angels Landing Zion National Park’s local expert team recently spent three days in Zion National Park where they browsed the area’s best rock shops, interviewed the park’s Director of Wildlife and went hiking with the locals. They know where to take a six-year-old hiking; divulge the best spots to paddle a brand new kayak; and they’re keen to tell you which local bed and breakfast has the friendliest hosts and coziest fireplaces—and you can book all these experiences on the spot right on the site. Travelers looking for meaningful and inspiring experiences in Utah can find itineraries about small towns like Kanab that are perfect for family excursions to national parks and other unexplored areas. Utah.comalso gives travelers practical hiking and biking trail information with difficulty ratings, photos, and waypoints. Adventurers can learn about places that locals have been quietly exploring for generations, and find the best base camps to maximize their limited time in the world’s top destination. For travelers on a budget, there are always tips about free admission days and where to take your kids when the weather rains on the outdoor parade. And for the digitally dependent family member who longs to get off the grid?’s off-season tips and information prove that Utah is a year-round wilderness of glorious solitude where Wi-Fi isn’t even a temptation. helps travelers discover, plan and book intergenerational traditions. They’ll want to take their children to Bryce Canyon National Park and pontificate about geological uplift, erosion and the Paunsaugunt Plateau after days of wandering through hoodoos—humanoid sandstone pillars. Eyes may roll, but those littles will find themselves giving the same speech to their kids decades later--in the exact same spot. will lead them to national parks and awe-inspiring places they’ll never forget and will always preserve. Chad Taylor,’s GM says, “As the national parks turn 100, we are proud to put Utah’s five national parks front and center for the celebration. But don’t forget, there’s lots more to see and do in our epic state, and you’ll find it all on”

Kolob Arch Zion National Park

June 2016 - July 2016



Signing kids up for sports The Benefits of Sports Organized sports can help kids grow in many ways. From soccer to fencing, sports offer chances for kids to learn and master skills, work with their peers and coaches, and challenge themselves in a safe environment. They learn the value of practice and the challenge of competition. And on top of all that, sports provide natural and fun opportunities for kids to get regular exercise. But before signing kids up for sports, parents should consider a child’s personality and developmental level to help ensure that being involved in sports is a positive experience for everyone.


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When Should Kids Start Playing Sports?

Family Factors

As you think about signing kids up for sports, consider how emotionally and physically ready they are to participate. Signing up too early can end up being frustrating for everyone, and can turn kids off from sports for good. Although there are sports programs designed for preschoolers, it’s not until about age 6 or 7 that most kids develop the appropriate physical skills or the attention span needed to listen to directions and grasp the rules of the game. While preschoolers can throw and run, it usually takes some time before they can coordinate the two skills. And it usually isn’t until kindergarten or first grade that kids grasp concepts like “taking turns” that are crucial to many sports. That doesn’t mean kids can’t play sports when they’re younger. Sports can be fun for toddlers and kindergartners, but they should be less about competition and more about having fun opportunities to be active. So even if young kids inadvertently score a goal for the other team or spend the entire game chasing butterflies, as long as they’re enjoying it, that’s OK. If you do decide to sign your 5-year-old up for a team, be sure to choose a league that emphasizes fun and basic skills.

Before you sign up for a season of sports, think about how practices and games are going to affect the day-to-day life of your child and the rest of the family: How will it affect how much time your child has for things like homework, other activities, and time with friends and family? You may want to get the schedule of practices and games and map out a typical week on a calendar with your child. It's important for kids to have time to rest, think creatively, and play freely when they're not engaged in something else. This rest can help give them the energy they need for their activities. How will the sport affect the rest of the family's plans? Many teams only practice and play games during the weekend, which can be a problem if your family likes weekend getaways. If you have more than one child playing sports, how will you coordinate transportation to practices and games? How involved do you want to be in the sport, and how involved does your child want you to be? Sports leagues usually look for parents to volunteer with everything from coaching to team snacks and transportation. Being involved — either as a coach or in another role — can be a great way to spend time with your kids and show them you're interested in what they do.

Choosing the Right Sport

When Kids Want to Quit

If kids show an interest in a sport, try to let them do it. You may be worried that your child will get hurt, particularly in a contact sport like football, but as long as the coach requires players to use the correct safety gear, your doctor OK’s it, and your child is matched up with other kids of the same size and ability, go ahead. Even if the sport doesn’t turn out to be a good fit, your child will learn much from the experience. When choosing a sport, consider your child’s unique temperament. Some kids are naturally inclined toward team sports, while others may feel more comfortable in activities where the focus is on individual efforts. There’s something for everyone — from soccer and baseball for team-oriented kids, to tennis, fencing, karate, dancing, and swimming for kids who’d rather go solo. Don't be surprised if it takes a few tries — or a few seasons — to find the sport that's right for your child. It often takes time for kids to figure out which activities they enjoy. Some kids may just not be interested in team sports, but they can still keep fit by engaging in other activities that don't emphasize competition. No matter what they choose, kids should be physically active for at least 60 minutes a day.

However kids feel when they enroll for a season of sports, there may come a time when they want to quit. If your child comes to you with this plea, try to find the reason behind it. It may have to do with something small and fixable, like a bad-fitting uniform, or it may be a bigger issue, like how comfortable your child feels with the coach or the kids on the team. It could also be that your child just doesn't enjoy the sport. Is it OK to let kids quit? If your child is on a team that depends on his or her participation, you may want to explain the importance of sticking it out for the season. If that's not the case, then think about what you want your child to get out of the experience, and how quitting would affect that. When kids are overscheduled or unhappy, quitting may be the right thing. But it's still important for all kids to be physically active every day, even if they're no longer playing an organized sport. More info:

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Grasp that clean feeling. Nautre's Gate Aloe Vera Liquid Soap gently cleans and refreshes hands with a conscious blend of Aloe, Chamomile and Licorice.

This floral and light citrus candle is one of our favorite! The high quality soy and vegetable wax is hand poured into a genuine Villeroy & Boch crystal old fashion glass and packaged in a designer gift box. Great for gifts!

Find both these candles and many more at

Also one of our favorite for pet lovers is the Pet Odor Eliminator! The natural soy and vegetable wax candles effectively and safely absorbs and eliminates pet odors.

We love these crisp and fabulous polish colors from Essie. Get ready for summer fun with an array of colors to choose from!


June 2016 - July 2016


Lunch Inspiration to Brighten Up Your Back to School Blues! Go Back to School in Style with D’Eco Collapsible Lunch Boxes! Finally, the key to lunch bliss that you and your kids can use to eat lunch in style. D’Eco Lunch Boxes are perfect for on-the-go meals and snacks! Take them with you outside the school or work week, making a great companion for sporting events, picnics in the parks, outdoor concerts and long road trips in the car, rail or plane. Available for purchase on Amazon,, and specialty retailers nationwide.

Happier mornings as you enjoy your favorite coffee or tea in one of these fun mugs featuring a colorful, playful smiley face design.

The Australian Gold SPF Lotion with Kona Coffee bronzer delivers sun protection with instant, natural-looking color. It is water resistant with the signature Australian Gold fragrance, UVA/UVB protection and Konacoffee-infused bronzer. Available in SPF 15, 30 & 50!

June 2016 - July 2016

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WAFF Notebooks Inspired by the grid of a waffle the WAFF Notebook comes with 2 Clips on the side that can be used to customize the book as well as to keep it closed; you can clip them anywhere on the WAFF cover.Various sizes and colors to choose from.

Mommy, Baby & Kids

Editor's Pick Favorites

Stylish, functional and versatile, Dangling Donut Strands are full of a distinctive design that shimmers and shines with its unique bead composition. Worn with or without a Donut-Add-On, they are functional and great fro the twiddling and fiddling hands of a busy baby!

Nourish Nursing is a line of trendy breastfeeding and pumping tops and dresses designed to fit and flatter throughout the full-term reastfeeding relationship. Each piece is carefully designed for easy and comfortable breastfeeding access, even while babywearing.Nourish is equally dedicated to fashion and function, and features colors, prints, and silhouettes that nursing moms want to wear. Because Nourish Nursing is ethically made in the United States with the utmost attention to quality, detail, and fit, and nothing looks like traditional nursing-wear, moms can continue to wear Nourish's tops and dresses long after their children have weaned. Nourish Nursing is available online at

These stackable snack cups are great for all ages and can hold anything from baby formula, and toddler snacks, to pet treats or just about any other treat that can be taken on-the-go!

The Harbor Side Tote reinvents the popular coined phrase “fashion meets function�. This do-it-all tote is stylish, over-sized and features our built-in dispensing wipe system. Carry this bag from pre to post baby and everywhere in between (beach, pool parties, play dates, parks, dance classes, vacations and much more!). With 3 carrying options, 11 spacious pockets and easy one handed access to wipes; toting tot and essentials was never this easy or chic!


June 2016 - July 2016


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Love Your Child Enough to

Let Them Hurt

When you love your child, nothing hurts more than seeing your child in pain. As a mom, I can hardly bear to see my kids in any kind of distress, whether it be physical, emotional, or spiritual. From skinned knees to serious medical issues, squabbles with friends to messy breakups, parents have to help their kids through plenty of painful times on the journey to adulthood…and beyond. Naturally, parents want to help remove pain from their child’s life. But is that always the best thing? Perhaps not. I would like to offer you a piece of advice that sounds crazy but is rooted in decades of experience: sometimes, it’s okay to let your child hurt. Pain is a normal part of life. In order to grow and mature, people will encounter pain and must learn how to deal with it.


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That’s not to say we shouldn’t care if our children are suffering, and it doesn’t mean we shouldn’t be there to support them. But as a culture, we have created an environment that practically worships ease, comfort, and minimizing pain. There is a temptation to make a pain-free, stress-free, boredom-free, strugglefree existence the absolute goal of our lives. We constantly seek to medicate, entertain, and control everything around us. Mediocrity is fine, as long as it is comfortable. Why are we so obsessed with comfort at the expense of more valuable things, like personal growth and the ability to deal with long-term problems? Benjamin Franklin frequently quipped, in what has become clichéd and meme-worthy now, “There’s no gain without pain.” He was right. If we jump right in every time our kids find themselves in an uncomfortable—or even painful—situation, we stunt their emotional growth and make it that much more difficult for them to mature into healthy and competent adults. In his book, 12 Huge Mistakes Parents Can Avoid, Tim Elmore listed 4 ways parents can take their natural inclination to remove their kids’ pain too far. We medicate…giving kids an aid to eliminate aches. We offer an external painkiller so they don’t feel badly. • We initiate…stepping in to intervene on their behalf. Before they have a chance to solve their problem, we solve it for them. • We alleviate…doing something that reduces discomfort. We provide an alternative that will diminish any harsh realities they face. • We intoxicate…offering an artificial distraction to the pain. We lend artificial, even unhealthy means, to distract them from their hurt. What happens when parents take these steps? They create dependent, emotionally needy adults who are unable to cope with real-world realities. Elmore went on to explore current statistics that demonstrate all too well what a culture that values removing pain has done to the newest generation of young adults. More than half of young adults under 25 are unemployed or underemployed. Approximately 60 percent of people between the ages of 18 and 39 who aren’t students are still receiving financial assistance from their parents—and we’re not talking about Christmas and birthday gifts here. These numbers are startling and sobering. Admittedly, our economy has struggled and continues to underperform. Yet we as parents can’t help but want more for our children than that they graduate college and cannot keep a job because they have been crippled by an inability to survive in the real world! We should be doing everything we can to help them succeed, and sometimes that means allowing them to learn painful lessons as early as possible in their life so they can avoid tremendous consequences down the road. Passionate, loving parenting means not medicating, initiating, alleviating, and intoxicating. It means not valuing the removal of all pain from our child’s life. It means helping them learn hard lessons now, so they will be better off in the future.

© 2016 Susan Merrill. All Rights Reserved. Reprinted with permission. For more resources, visit

How to Keep Your Marriage on Track

When LifeDerails You

I don’t know about you, but when I got married, I had a few expectations of the way things were going to be. Mark and I had plans and goals, and we were blissfully on board our marriage train to chase our dreams. But like every other couple, we learned pretty quickly that life can derail you in an instant! An unexpected pregnancy, a job change, financial struggles, sickness, any number of things can swiftly change the plans you thought you had. Then we had to ask ourselves, “now what?” What do we do now, when our carefully made plans are falling apart? When I’m in the hospital for the umpteenth time, when the house floods, when we don’t feel like we’re on the same page anymore? How do you keep your marriage on track? In this podcast, Mark and I share with you three ways to respond when life derails you: Know That You Will Get Knocked off the Track. How to Respond to Getting Knocked off the Track. How to Lay New Track Together. Anyone who’s been married for awhile knows that getting knocked off the track happens. Responding is a little trickier. 18

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In June of 2011, our house flooded. We were temporarily uprooted and then had to rent a place while extensive repairs were done. It derailed our lives in a big way! Everything was turned completely upside down. I really struggled with it all. In the days after the repairs were made, when we started the process of unpacking all of our boxes from storage and moving back in while the workers finished their jobs, I was exhausted. There came a point when I couldn’t take it anymore, but my husband didn’t realize it and made a bad morning for me worse. He wasn’t supporting me like I needed, and I was too tired to even tell him what was on my heart. As often happens, events that derail our lives can damage our relationships. Thankfully, my mother-inlaw helped him figure out that I needed quiet love and support, and he responded amazingly by sending me “I’m sorry” flowers and taking the time to understand how everything was affecting me. The flood showed that our house wasn’t solid, but working through everything that happened just made our marriage stronger. © 2016 Susan Merrill. All Rights Reserved. Reprinted with permission. For more resources, visit

How a dog's story can

teach your children about Life. One common method parents use to teach children responsibility is pet ownership, where kids help feed, clean and generally look after pets. As important as instilling a sense of responsibility is, there are many more lessons pets can teach us, says Cheryl mith, a rescue-animal advocate who founded a non-profit that assists pets in need. Smith, a public defender, has cared for rescue animals since childhood and believes they can help humanity as much as humans help them. "Our courtroom deputy found a scared and thin little Chihuahua, alone on the street; I had to adopt the little guy, who I named Oliver," says Smith, who adds the incident was the impetus for her to write "Oliver's Heroes: The Spider Adventure" ( and "Oliver's Heroes: Two Paws Up."


June 2016 - July 2016


Oliver joined the rest of her six rescue dogs. Smith says the happy dog pack features the perfect characters for teaching the following life lessons. • Acceptance of others, despite arbitrary differences: Humanity has bred dogs to suit a variety of purposes, resulting in an enormous diversity of physical and character traits. Despite the differences, most dogs have an innate ability to assemble into a pack. In Smith’s children’s book, when the group encounters different kinds of creatures, such as a polka-dotted and striped spider, the dogs judge the spider on its character and not its exotic markings. • Overcoming fear, together: Oliver and his friends go places like the woods, which are unknown, unpredictable and scary to some. The dogs who are scared are reassured by those who are not, which is a great example for children who may fear the next grade level, or moving to a new town. • The regular expression of gratitude: Anyone who has ever rescued an animal has probably experienced the gift of gratitude in return. These rescue animals tend to be more loving and are less likely to take for granted what's given to them, such as love, food, shelter and company. It's a great reminder for children to keep in mind as they mature. • Now is a good time to have fun: Dog owners are constantly reminded of at least one thing – the time, and the time is always now to play catch, enjoy a treat or simply bask in the company of companions. Remembering that the time is now, and that now may be a good time to enjoy fun, is a lesson children may not want to lose as they grow older and take on more responsibility. About Cheryl Smith Cheryl Smith is a public defender who started a non-profit, Just The Place Inc., to assist in the care of pets when owners were experiencing difficult financial situations or environmental crises. She was inspired to write "Oliver's Heroes: The Spider Adventure" ( after her courtroom deputy found Oliver, a dog who was alone, thin and scared on the street.

Does Reading Matter? By Chantal Jauvin With summer upon us, thousands of families are starting to negotiate what they will do for their summer vacations. The stakes are high: Wi-Fi or not? Together or separately? Away camps or day camps? Parents, children, couples, relatives and friends, vying to create their perfect version of a summer holiday. The choices have multiplied to such an extent that the option of simply dropping by the local library to pick up a stack of books for the cottage, the park or the backyard seems a distant memory. People bemoan their lack of time to read. The reasons are endless: work, chauffeuring the kids, barely enough time for yoga, tax season, too much time looking at the computer screen, and the new season of House of Cards. In other words, life gets in the way of reading.

So, why do we shortchange our reading time? Does reading still matter? Most people would agree that being able to read matters. Yet as many as 32 million adults in the U.S. cannot , according to the U.S. Department of Education figures from December 2015. ( But there is an even more alarming statistic: 19% of high school students graduate without being able to read. These statistics raise some alarming questions: Do we have enough jobs to employ so many illiterate people? Will those jobs pay sufficiently to keep them out of poverty?


June 2016 - July 2016


If we stretch our vision to look at the state of global literacy, the same research found that 775 million people around the world cannot read. Because some cultures still place less value on girl’s formal education while their brothers are encouraged to attend school, females account for 66% of that number. Whether at home or abroad, the ramifications of illiteracy are obvious: poverty, social exclusion and limited access to medical care. The statistics can be argued with, reframed or countered. The simple fact remains: illiteracy severely limits quality of life both in economic terms and in the possibilities of enjoyment. Parents, advocates, government officials, students may not agree on how to fix the problem, but everyone agrees that the ability to read beyond a basic level is crucial. Americans spend 2 hours and 46 minutes out of each day watching television. Young adults between the ages of 15 and 19 spend only 4.2 minutes per day reading during weekends and holidays (excluding homework-related reading). Reading habits increase only marginally later in life. Americans ages 45 to 54 engage in leisure reading only 26.4 minutes a day. (American Time Use Survey (2013) http://www.vox. com/2014/4/11/5553006/how-americans-spendtheir-time-in-6-charts). If we agree about the importance of reading, why do spend so little time enjoying it? The reasons vary by person, but perhaps the root cause has more to do with our cost-benefit analysis of the use of our time. A regular workout regime, say 3 times a week, 45 minutes each session, provides a tangible result. Reading’s benefits are less obvious. Huffington Post (http://www.huffingtonpost. com/2015/08/05/health-benefits-reading_n_4081258.html) has taken a look at the science behind reading and offers us concrete reasons to read more often. “6 Science-Backed

Reasons to Go Read a Book Right Now” include: 1. Stress reduction: It takes only 6 minutes of reading to begin lowering your stress level. 2. Longer-lasting memory function: People who start to read early and continue to do so throughout their lives experience slower memory decline. 3. Better sleep: Sleep experts recommend reading before bed to improve the quality of sleep.

Science aside, there are some other compelling reasons to read more often. 1. To learn from history. Reading historical fiction provides insights into our past. Reading about Queen Isabella’s rule in Spain through the eyes of author C.W. Gortner in The Queen’s Vow provides a compelling way to understand the events and personalities who ruled this country in this period. 2. To prepare for action. In this age of instant gratification, books are our 24-hour-a-day teachers. They are available to help us plan a trip, learn a new skill or face a personal challenge. They provide privacy to test ourselves by taking self-help quizzes or improving the way we face life. Consider Amy Cuddy’s new book Presence: Bringing your Boldest Self to your Biggest Challenges. 3. To boost imagination and creativity. A book can provide a different perspective on life. Lee Miller: A Life by Carolyn Burke challenges the reader to see the world through the lens and life of a talented photographer. People who suffer from isolation often find solace when they encounter a character who shares their values and experiences. This affirmation validates their views and often spurs their creativity.

It’s always the right time to do something good for your health, your mind, your soul. But summer is an especially opportune occasion, which provides us more open space in our lives. Fill that space with something that matters; have a summer fling with reading, and see where it goes. Chantal Jauvin is the author of the new book The Boy with a Bamboo Heart: The Story of a Street Orphan Who Built a Children’s Charity. This groundbreaking autobiographical novel tells the story of a street orphan in Thailand who grew up to become one of the greatest philanthropists of our time. He is known as the “foster father to 50,000” and attributes education and literacy as the keys to his survival. Jauvin currently resides with her husband in Philadelphia, Pennsylvania. Learn more at

4. To increase our empathy. Our world faces constant challenges requiring us to empathize with people facing situations we ourselves have not encountered. That Bird Has My Wings by Jarvis Jay Masters depicts the journey of a man on death row. Books bridge the gap between situations unknown to us and universal themes of our human condition: struggles with faith, self-forgiveness and judgment of others. 5. To be a responsible citizen of the world. Margaret Atwood explains this best: “Reading and writing, like everything else, improve with practice. And, of course, if there are no young readers and writers, there will shortly be no older ones. Literacy will be dead, and democracy - which many believe goes hand in hand with it - will be dead as well.” June 2016 - July 2016

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Gift Ideas For Dad! RALPH LAUREN FRAGRANCES POLO BLUE EU DE PARFUM This Father's Day, honor the heroic adventurer in every man with Polo Blue EDP. It is an intense, elegant and sophisticated interpretation of the classic Polo Blue scent. A contrast between the sparkling freshness of bergamot and cardamom and the seductive power of vetiver and ambery woods, Polo Blue EDP designed for the distinguished dad who can go from sailing with his children to a black-tie gala. Available at Bloomingdales.



...can fit on most smartphones including the iPhone 4/4S, iPhone 5/5S, iPhone 6 and 6 plus as well as the Samsung Galaxy S4 Android phone. The eyn case (which stands for "everything you need") services as an all-in-one storage piece for cash, credit cards, keys, and of course, your smart phone. eyn has a built-in storage compartment that also serves as protection for your smart phone as well. Also included is a mirror inside, which doubles as a stand to rest your case while watching videos or playing applications with ease. Cases are available in many colors, and each includes a strap to go around your wrist while going out to functions or just going to the gym.

Ultra-durable, easy to clean, and ready to handle anything you throw their way is the Bokos Sandal for men! Comfortable and stylish for your everyday use.

Motorola Talkabout T600 H20 Motorola Talkabout Two-way Radios are designed to provide affordable and dependable communication and are ideal for the outdoor enthusiast, active families or an emergency preparedness kit.


June 2016 - July 2016


Preparing the Family for

Homework Time

As we prepare for the back to school weeks up ahead, we need to keep in mind - the role we play in our children's lives. There have been times where I find myself dedicating more time to the news article I am reading on my phone than the homework questions being asked by my fifth grader. This was a rude awakening on how today's technological advancements easily distract us. As a result, I decided to find positive ways to support my children's academic experience at home. by Nadya Forjan Enamorado

Tip 1. Establish a quiet area around the house: Having a designated quiet area around the house gives children a chance to refresh their mind and body. It may help your child concentrate and focus. It provides an opportunity for you and your child to complete their homework while also allowing them time to think and reflect upon his or her day. Tip 2. Create a schedule and display it so that the entire family can follow it: As parents, we may not be the one attending school. However, the school is still very much a part of our life. Our kids come home all the time talking about homework, school projects, and exams to study for that require them to seek our help. That is why it is important to create an organized schedule to help their brain get into study mode and make that time enjoyable. The other children or adults in the house can also use this time to model good behavior by doing their version of studying. Tip 3. Regulate technology use: Today's technology is more distracting than ever. Many of us have been tempted to scroll through social media when we should be focused on other things. It is important to remember that we are role models for our children, and we need to set a good example of study habits in the household. That is why all televisions, cell phones, computers, and tables not associated with the childrens school assignment should be put aside. Tip 4. Use this time to establish more conversations about your child's school day: Family communication is important for everyone. Your children need to know that they have your attention. Make time to stop and talk about things. Give your undivided attention to your child. Spending as many minutes throughout the day communicating with your child is of great value. They love when we are good listeners. You are helping your child feel loved and valued when you listen. Remember to be a good role model. Use words and tones in your voice that you want your child to use. I know sometimes we feel out of patience. However, it is always important to find ways to help your child behave without hurting their feelings. It may require us to take a few deep breaths and sometime even share our feelings of frustration with our spouse or friend. Remember the most important tip, always praise your child whenever you can and use your talking times as teachable moments.


June 2016 - July 2016


TO BOOK CONTACT 786-287-8006 Visit us on FB @

Peanut Butter Muffins Prep time: 35 minutes

Ingredients: 2 eggs 1 c. milk ¼ c. banana (about 1 banana), mashed with a fork ¼ c. peanut butter 1/3 c. vegetable oil ¼ c. frozen apple juice concentrate, thawed (left out of the freezer until it's soft) ¼ c. nonfat dry milk 2¼ c. flour 1½ tsp. baking powder 1 tsp. baking soda nonstick spray Directions: • Preheat oven to 350° F (180° C). • Crack the eggs into a small bowl and use a fork to beat them a little bit. • In a large bowl, combine the milk, mashed banana, peanut butter, vegetable oil, apple juice, dry milk, and the eggs from the mall bowl. • Mix with a mixing spoon until the mixture is creamy. • Add the flour, baking powder, and baking soda into the large bowl. Mix again. • Line a muffin tine with paper liners or lightly spray with nonstick spray. Spoon in the muffin mix. Fill each muffin cup about 2/3 of the way up. • Bake for about 15 minutes. • When your muffins are finished baking, remove from muffin tin and cool them on a wire rack. Then it's time to taste and share!

Veggie Tortilla Lasagna

Serves: 12 Serving size: 1 muffin

Prep time: 15 minutes

Ingredients: 2 tsp. vegetable oil 1 large zucchini, cut in half and sliced ¾ c. frozen corn, thawed 7-oz. jar roasted red peppers, sliced 1/3 c. ricotta cheese 1¼ c. grated Monterey Jack cheese 1 c. salsa, drained of juice in a colander 6 6-in. corn tortillas Directions: • Preheat oven to 500°F (260°C). • Add vegetable oil to large pan and heat, adding zucchini, corn, and peppers. • In bowl, mix cheeses. • Trim sides of tortillas to fit a loaf pan. Layer tortillas, veggies, cheeses, and salsa. • Cover with aluminum foil and bake for 10 to 15 minutes. Serves: 5 28

June 2016 - July 2016


Serving size: 1 slice

Peach Freeze Prep time: 1-2 hours Ingredients: ½ c. milk 1 c. sliced peaches (either fresh or canned; if canned, use peaches packed in their own juice instead of syrup) 1 tsp. sugar Directions: Pour the milk into an ice cube tray and freeze until solid. Pop the "milk cubes" out of the tray and put them into the blender. Then put the peaches and sugar into the blender. Put the lid on the blender and blend on high speed until everything is all mixed together and very smooth. Pour your peach freeze into serving dishes and serve right away. Serves: 3 Serving size: 4 oz. (½ c.)

Strawberry Bars

Prep time: 45 minutes

Ingredients: 1 c. flour 1 c. rolled oats ½ c. butter or margarine, softened 1/3 c. light brown sugar ¼ tsp. baking powder 1/8 tsp. salt ¾ c. strawberry jam Directions: • Preheat oven to 350° F (180° C). • In a large bowl, mix everything together except the strawberry jam. • Measure out 2 cups of this mixture. Leave the rest in the bowl, and set it aside. • Take the 2 cups of the mixture and press it into the bottom of a square (8" x 8") pan coated with shortening or nonstick spray. You can use your hands or a spoon. Make sure you cover the entire bottom of the pan! • Using a large spoon, spread the strawberry jam on top of the mixture in the pan.Spread it evenly all over. •Take the mixture that was left in the bowl, and spread it over the strawberry jam. Press it down lightly. • Bake for 25 minutes. Remove the pan from the oven, and allow it to cool for at least 15 minutes. • Cut the bars into 12 squares to eat and share! Serves: 12 Serving size: 1 square

CARE RESOURCE YOUR HOME FOR HEALTHY GUMS AND SMILES Oral health is essential to general health and well-being at every stage of life. Mouth and throat diseases, which can range from cavities to cancer, can cause pain and disability for millions of Americans each year. Dental care is integrated as part of the primary care program that Care Resource offers. Oral health care is important because of the link between periodontal diseases, cardiovascular disease and other health conditions. In addition, Oral health problems can put strain on one’s immune system. In fact, some oral health problems may be a sign that one’s immune system is changing - which may require a visit to one of Care Resource’s Medical Clinicians. Care Resource’s dedicated dentists, receptionists, clerks, dental care services supervisors and dental care services managers go the extra mile each day to be welcoming, thorough and compassionate as they improve dental health in our community. Care Resource’s dental program continues to evolve as we continue to provide services to an ever increasing dental population. “Since 2009, Care Resource’s Dental Department has grown into two offices (Midtown Miami and Fort Lauderdale locations), has acquired three dentists, a hygienist, a dental supervisor and eight support staff. The scope of services has grown, along with the update and introduction of new equipment and materials. It is with this dedication and hard work that the Care Resource Dental Team in 2015 surpassed 6000 dental visits.” - Curtis Barnes, DMD, Dental Director, Care Resource


June 2016 - July 2016


In 2016, the dental program brought onboard a new full time dentist, Dr. Amy Martinez. Dr. Martinez is seeing patients at the Miami office located on 3510 Biscayne Boulevard and the Fort Lauderdale office located on 871 West Oakland Park Boulevard. Dr. Amy Martinez believes in a comprehensive and preventative approach to oral health in order to increase longevity and quality of life for all patients. She was born in Charleston, SC and grew up in Rochester, NY and Augusta, GA. She earned degrees from University of Georgia and University of South Carolina, and her DMD from Georgia's College of Dental Medicine. She comes from a dental family. Her grandfather, father, brother, and sister-in-law are all dentists. Before her dental career Dr. Martinez lived in Ecuador and taught English. She earned a Master’s degree in Spanish, and worked as a high school Spanish teacher and Spanish medical interpreter. She has participated in numerous medical mission trips to various countries. Dr. Martinez speaks English and Spanish.

Care Resource Dental Services Include:

* Dental Exams and radiographs * Preventive Services (cleanings) * Restorative (fillings) – Composit (white) and amalgam (silver), night guards and bleaching * Crown and Bridge * Removable Prosthetics (Partials and Dentures) * Minor Oral Surgery * Selected Root Canal Therapy Most services are provided on a sliding fee scale. With a sliding scale, the fees are reduced for those who have lower incomes or less money to spare after their personal expenses, regardless of income or the ability for you to pay Visit our patient portal to connect with Care Resource in a convenient, safe, and secure environment to communicate, access medical records, schedule an appointment, renew medications and more! Contact 305.576.1234 and make Care Resource your dental home today!

June 2016 - July 2016

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The last school bell rang and all kids are ready to tackle on the summer. What to do? Where to go?

Time to get your Kids exploring and playing

OUTSIDE! Here are some simple yet fun summer adventure ideas to experience with your kids. by:Nadya Forjan Enamorado

1.Be a NATURE DETECTIVE by exploring your backyard or nearby park. 2. Go on a PHOTO SAFARI around your neighborhood and see the world through your child's camera lens. Then use their pictures to create a book that they will love to share with others. 3. Build a BIRD HOUSE to invite the wildlife into your green space. 4. Plan a JOG around the neighborhood and then end it with a FAMILY PICNIC. The U.S. Dept. of Health recommends children should have one hour of physical activity a day.


June 2016 - July 2016


5. Plant a GARDEN in your backyard with the family. This is great for integrating fun science lessons into your child's day. Children can learn about pollination, nutrition, and the life cycle. 6. Make ART from their NATURE WALK. Have the children collect colorful flowers while on your walk. Use those flowers so the children can create their artistic piece on canvas. 7. The next time you are near a lake or ocean, try EXPLORING the WATER to spark your child's imagination by riding a CANOE. It will be so much fun! 8. RIDING BIKE is a great way to stay active and have fun. Plan a family outing where everyone hops on their bike and seek an ADVENTUROUS route together.


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Award-Winning pedipedŽ Shoes for Kids Advertise in Sprinkles Magazine’s Back to School issue. months of August/September 2016 Contact:

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June 2016 - July 2016


Many kids have habits that can be downright annoying. Four of the most common are:

Hair Twirling If one of your kids is a hair twirler, odds are it’s your daughter. Most kids who twist, stroke, or pull their hair are girls.

nail biting, hair twirling, nose picking and thumb sucking.

Hair twirling may appear in early childhood as a precursor to hair pulling, either with or without hair loss. But many hair twirlers and pullers stop as they get older. For those who don’t, simple behavior modification can help them break the habit.

Although these habits may bother or even worry you, relax. In most cases, a habit is just a phase in the normal developmental process and is not cause for alarm. What's a Habit? A habit is a pattern of behavior that's repeated, and the child doing it usually isn't even aware of it. But while kids may be blissfully unaware of a habit, their parents aren't so lucky. And if your little one usually has one hand stuffed in the mouth and the other entwined in the hair, don't be surprised: Habits tend to happen in clusters. Here's the lowdown on the most common habits among kids and teens: Nail Biting If nails chewed to the nub are familiar to you, you're not alone. Nail biting or picking is one of the most common childhood habits. An estimated 30% to 60% of kids and teens chew on one or more fingernails. And, occasionally, a child may also bite his or her toenails. Boys and girls appear equally prone to the habit in earlier years; however, as they get older, boys are more likely to be nail biters. 38

June 2016 - July 2016


However, for those who start hair pulling as older kids or teens, the habit is harder to break and may be a sign of anxiety, depression, or obsessive-compulsive disorder (OCD). Nose Picking Nose picking appears to be a habit that, although it usually begins in childhood, may actually linger into adulthood. If you find that hard to believe, consider that a 1995 study of adults found that 91% picked their noses regularly — and about 8% of them reported that they eat what they pick! Thumb Sucking Kids’ preference for thumbs as the finger to suck is thought to be the result of the thumb coming into contact with the mouth during movements they made an infants. Some kids also suck their fingers, hands, or their entire fists in addition to, or instead of, their thumbs. Most thumb suckers are younger kids and up to half of 2- to 4-year-olds suck their thumbs. Many kids suck their thumbs to calm and comfort themselves. But frequent or intense thumb sucking beyond 4 to 5 years of age can cause problems, including dental issues (such as an overbite), thumb or finger infections, and being teased.

What Causes a Habit? Experts aren't always sure what causes a habit, but do know that they're learned behaviors that usually provide a positive outcome for the child. Habits may develop as entertainment for a bored child or, more commonly, as a coping mechanism to soothe an anxious one. The next time you see nail biting or hair twirling, try to recall if your child has recently had a stressful experience. If so, the behavior might be your child's attempt to relieve tension, much as you would by working out at the gym. On the other hand, some kids engage in habits when they're relaxed, such as before falling to sleep or quietly listening to music. Some habits may be leftovers from infancy. In infants, thumb sucking is a common self-comfort behavior that has pleasurable associations with feedings and the end of hunger. So it may linger into childhood because of its positive associations. Or perhaps the explanation for your child's nail biting is in your mirror. Do you bite your nails? Studies suggest that nail biting may have a strong familial or genetic component. Other kids engage in habits to attract attention or to manipulate their parents. If kids feel that their parents are ignoring them, they may engage in the annoying habit because they know that it will get a reaction from Mom or Dad. Coping With Your Child's Habit The good news is that most habits disappear, usually by the time a child reaches school age, because the child no longer needs it or outgrows it. But if you think it’s time to help your child break a habit, consider these steps: Calmly point out what you don’t like about the behavior and why. This approach can be used with kids as young as 3 or 4 to help increase awareness of the problem. Say something like, “I don’t like it when you bite your nails. It doesn’t look nice. Could you try to stop doing that?” Most important, the next time you see the nail biting, don’t scold or lecture. Punishment, ridicule, or criticism could cause the behavior to increase. Involve your child in the process of breaking the habit. If your 5-year-old comes home crying from kindergarten because the other kids made fun of his thumb sucking, understand that this is a way of asking you for help. Parents can ask their kids what they think they could do to stop the habit or if they want to stop the habit. Come up with some ways to work on breaking the unwanted habit together.

Suggest alternative behaviors. For example, when if your child is a nail-biter, instead of saying, “Don’t bite your nails,” try saying, “Let’s wiggle our fingers.” This will increase awareness of the habit and may serve as a reminder. To occupy your child’s attention, try providing a distraction, like helping you in the kitchen or working on a craft. Reward and praise self-control. For example, allow your little girl to use nail polish if she lets her nails grow. Or every time your son refrains from sucking his thumb, reinforce the positive behavior by praising him and giving him a sticker or other small prize. Be consistent in rewarding good behavior. If you fail to notice good behavior, it will disappear over time. The new, positive habit must be firmly established before the old one will disappear. For the best success, it's important that kids be motivated to break the habit. And because habits take time to develop, they're also going to take time to be replaced by alternative behavior, so be patient. When Is a Habit No Longer Just a Habit? In some cases, a habit is the result or the cause of a physical or psychological problem. For example, a nose-picker might be uncomfortable because there's actually an object stuck in the nose. And the habits themselves can cause some medical complications, such as: Nosebleeds in the nose picker. ingrown or infected nails in the nail biter dental problems, such as malocclusion (the failure of the teeth in the upper and lower jaws to meet properly), or thumb or finger infections in the thumb sucker A habit may no longer be a simple habit if it negatively affects a child's social relationships or interferes with daily functioning. Older kids who constantly suck their thumb might be experiencing significant stress or anxiety. If kids are the subject of teasing at school or have difficulty talking because they won't take their thumbs out of their mouths, the behavior has gone beyond a simple habit. Kids who pull their hair out may have trichotillomania, a condition that results in hair loss. And habits that are in response to obsessive thoughts may be a sign of OCD. However, most habits don't cause any significant problems and tend to improve as kids get older. But if you're concerned about your child's habits, talk with your doctor.

June 2016 - July 2016

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What Kids Need for a

Mentally Healthy Summer by Tanya Peterson, NCC, MS Summer is about to begin in earnest. Those adults who have children in their lives likely have a checklist of summer necessities to keep kids healthy. Sunscreen, bug spray, water bottles, Band-Aids, and other such necessities will help kids stay physically healthy and well through the summer. What about a checklist for kids' mental health this summer? What's necessary to help kids be mentally healthy during the summer months? When we care for our children (whether they're our own offspring or someone else's), it's natural to want them to thrive. "Have a great summer" can take on a new level of meaning, and there can be a great deal of pressure behind that command-style wish. There are certain things all children need in order to experience mental health and well-being and thus have a great summer. Think of the following list as a checklist for a mentally healthy summer. Kids Need a Sense of Belonging in the Summer to Enhance Mental Health.


June 2016 - July 2016


Psychologists such as Abraham Maslow, William Glasser, and more have demonstrated through copious amounts of research that a basic human need is love and belonging. It’s essential for mental health and well-being. For most of the year, school is a major source of belonging for kids of all ages. While kids don’t feel close to everyone at school (and there are some people they’d love to get far away from), school in general provides an important sense of belonging and human connection. When the doors close for the summer, some kids can have a hard time adjusting to a sudden void in their network of connections. Tips to help children adjust and maintain a sense of belonging: Help them know that if they’re feeling lonely or down, they’re not alone. It’s normal to need some time to adjust to a change, even a good change. Plan some special activities together. A picnic in a park, a game of catch in the backyard, a night of stargazing—anything that allows your child to connect with you is excellent. Allow your child to have friends over, go to friends’ houses, and otherwise connect with kids of the same age. For optimum mental health, kids need connections with peers. It fulfills the need for belonging, and it creates a support network that contributes to the development of resilience. A Sense of Purpose Gives Kids a Mental Health Boost Throughout the Summer As much as kids grumble about homework or their classes in school, these things are actually very good for them in a number of ways. Academics aside, school helps kids develop a sense of purpose. A universal question, worded differently across the life span, is why am I here? We answer that question by discovering a sense of purpose. School-age kids need to feel a drive, a motivation, a sense of purpose in order to be mentally healthy. Sometimes, the summer months can contribute to feelings of depression or anxiety because of their lackadaisical days. To help kids maintain a sense of purpose, and thus mental wellness, consider these ideas: Let them help decide and plan activities (with ageappropriate limitations, of course). Allow them to brainstorm things to do, and have them make the plans for it. This can apply to the lunch menu or to a weekend outing. Kids thrive when they are allowed to have some responsibility for what the family does. Give them age-appropriate chores. Sure, they'll likely grumble, but behind the rolled eyes is a kid who is developing a sense of purpose, a sense that there are things to do during the summer and that they can contribute to getting them done. That develops self-confidence, an important component of mental health.

Summer Fun is Essential to Kids’ Mental Health Like belonging and a sense of purpose, fun is actually essential to mental health and well-being. Experiencing fun reduces stress, anxiety, and depression, and it increases our connection to others. For kids who are out of school, away from their normal routine, network of supportive adults, and peers, summer vacation can become a drag. Kids can become listless and apathetic or irritable and prone to getting into trouble. Introduce fun for a mentally healthy summer. Fun is a balancing act. Kids need structured fun, such as involvement in sports, clubs, classes, and camps. Structure provides routine and a sense of safety. Too much structure, though, can be stifling and stressful, even contributing to anxiety. Kids also need unscheduled time for free-play to enhance their mental health. To find this balance, Decide how much you can spend on structured activities, and research what is available in your area. The older your child is, the more input she can have in this process (other than the budget, of course). Let her help you choose one or a few structured activities. Put together a kit or box for free-time. Again, let your child contribute. Being set loose for free-time can be overwhelming for kids, resulting in the complaint that there's nothing to do. Having things on hand for your child to do is helpful in getting them into the fun. You might have noticed that belonging, purpose, and fun are interconnected. They exist together, contributing to each other positively. Together, belonging, purpose, and fun help your child have a mentally healthy summer. Children, like adults, are complete and complex creatures. Their skin must be protected from the sun's rays. Their bodies must be properly nourished and hydrated. And their mental health needs to be cared for as well to help them thrive through the summer and well into next school year. About the Author: With credentials as a Nationally Certified Counselor and personal experience with mental health care, novelist and columnist Tanya J. Peterson, MS, NCC uses writing to increase understanding of and compassion for people living with mental illness. Her last book, My Life in a Nutshell: A Novel (Inkwater Press, 2014) was awarded a Kirkus Star, an honor given by Kirkus Reviews "to books of remarkable merit", as well as being named to Kirkus Reviews' Best Books of 2014, and received a coveted "recommended" rating from The US Review of Books. Peterson's sophomore novel, Losing Elizabeth, was the recipient of Storytellers Campfire's top honor, The Marble Book Award, for "being a book which has made a significant difference in the world". Her third novel, Leave of Absence (Inkwater Press, 2013) was named as a finalist in the National Indie Excellence Awards. Peterson, a public speaker on mental health topics, also currently writes for, America's Mental companying blog, Anxiety-Schmanxiety, which was dubbed one of the "Top 10 Blogs of 2014". TwentyFour Shadows(Apprentice House), Peterson's newest novel, available in May, 2016, has already earned the coveted "recommended" rating from the US Review of Books and a Kirkus Review Star. Twenty-Four Shadows is available May 1, 2016, in e-book and paperback format from Amazon, Barnes & and select independent retailers. Learn more and connect with the author at, and on Facebook, Twitter, and LinkedIn.

June 2016 - July 2016

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Things That Are Often Missed In Financial Planning Our relationship with money can be complicated, and it's for this reason many people seek professional help. But even when we get help, there are still important aspects that can be overlooked, says Brett King, the managing/founding partner and Senior Vice President Investments for Elite Financial Associates ( "The wrong way to look at service from a financial advisor is the 'handing it off' mentality – that you can put your financial destiny in their hands and not have to think about it anymore," he says. "A better attitude is similar to what you might have between your health and your doctor, where your participation is required. Part of that means better understanding your personal wealth by furthering your financial literacy." King says some of the important aspects to financial planning that might be missing from your financial wellbeing include. • A reliable relationship with your money manager. While you have a duty to yourself to understand your own wealth and subsequent goals, so too do money managers. Only recently has the Labor Department issued regulations requiring financial advisers and brokers handling individual retirement and 401(k) accounts to act in the best interests of their clients. You'll want someone you feel comfortable communicating with, and who makes themself available. • Accounting for inflation. Inflation erodes the purchasing power of your income and wealth. But you can fight it. Stocks, stock mutual funds, variable annuities and variable universal life insurance may be options to consider. These alternatives provide the potential for returns that exceed inflation over the long term. Growthoriented alternatives carry more risk than other types of investments. Over the long term, however, they may help you stave off the effects of inflation and realize your financial goals. Remember to diversify investments. • Utilization of the right annuity. Annuities enable you to accumulate payments, taxdeferred, in exchange for a future income stream in retirement. The different types include fixed, immediate fixed, deferred fixed, variable and the hybrid fixed index annuity – the fastest-growing type of annuity providing principal guarantees and market index upside return. How you use them can make a big difference in reaching your financial goals. If you're working with a sizeable retirement plan, you probably have some form of annuity, but you want to make sure it's the right fit. "Between estates and trusts, tax planning, cash management, risk management, investing and retirement, there could literally be dozens of important factors you're missing," King says. "That's why it all starts with the money managers – you and your advisor." 44

June 2016 - July 2016


Sprinkles Magazine June/July 2016  

Sprinkles Magazine June/July 2016!