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Mayo/May, 2020 EDICIÓN MENSUAL

MONTHLY EDITION

No. 186

Mayo/May, 2020

City | Ciudad

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Help us safely get back to BUSINESS! MAGGIE SANTOS Communications & Protocol Manager City of Doral

he City of Doral, in accordance with the latest Federal, State and Miami-Dade County health guidelines, and in collaboration with the community, has begun reopening the City. This process will occur in phases with specific guidelines for implementation in accordance with Miami-Dade County’s guide. Please see some important highlights to note regarding specific business types.

BARBER SHOPS & SALONS

Mayo/May, 2020

MANDATORY REQUIREMENTS FOR HAIR AND NAIL SALONS, BARBERSHOPS AND SPAS

• All services are by appointment only; absolutely no walk-ups permitted. • Employees must wear a facemask and gloves at all times. • Employees providing face-to-face services (beard/ mustache, eyebrows, facials) must also wear a clear face shield when providing services. • Customers must wait outside of the store until called inside for their appointment (may wait in car or outside of store keeping proper social distancing from other waiting customers). • Customers must wear a facemask inside the store, which may only be removed when necessary to receive services. • Only customers receiving service may enter the store (parent/guardian may accompany minors receiving service). • Employees must not share tools. • Hairdressers must wear single-use aprons. • Discard old magazines and other non-essential items in the waiting area that cannot be disinfected.

• After each service(s) provided to the customer clean and disinfect all implements used in your services (immersion, spray or wipe). • After each service(s) provided to the customer clean and disinfect chairs and headrests. • Clean and disinfect all shampoo bowls, handles, hoses, spray nozzles and shampoo chairs after each use. • Clean and disinfect pedicure bowls after each use. • You must wash hair before a cut. • All staff must wash hands before and after each service; if possible, it is recommended to wash hands in front of the customer.

OFFICE SPACE

MANDATORY REQUIREMENTS FOR OFFICE SPACE • All visitors and tenants must sanitize hands at time of building entry and wear facial coverings while in the building. • Ensure there is single point of entrance (exits shall not be locked or obstructed). • Offices with cubicles or open space designs shall establish the minimum 6 feet of social distancing required; or install physical barriers between workstations (e.g., plexiglass partitions) to ensure distancing. • Call centers with multiple employees utilizing the same consoles shall establish alpha/bravo shifts and clean and sanitize equipment between shifts. • Signs shall be placed outside and inside elevators and other common areas (e.g., restrooms, breakrooms) to summarize key messages: restrictions to capacity,

distancing, use of facemasks. • Medical offices shall have separate entrances for those with medical issues. • Play areas and gyms shall be closed until such areas are open via Emergency Order declaration. • CDC signage shall be located at the entry, lobby/ waiting area, elevators, escalators, restrooms, tenant entrances mandating social distancing and proper hand washing/sanitizing. • Visual/physical markings shall be installed on floor and areas to accomplish distancing and arranged waiting areas to allow for proper social distancing (e.g., for check-in and elevators). • Use of common conference rooms, lunchrooms and other common areas shall be limited to reduce the gathering of large numbers of tenants or visitors. • All high touch surfaces shall be cleaned and sanitized in common areas, including railings, seats, ATMs, kiosks and elevator buttons every two hours. • Discontinue use of common drinking fountains. • Setup clear protocols to take employees temperatures upon entering the building or office. • Clean and sanitize all high touch surfaces in common areas, including railings, seats, ATMs, kiosks and elevator buttons every two to three hours. • Discontinue use of common drinking fountains. • All building tenants and visitors must wear facial coverings while in the building.

PARKS

Doral Parks currently open: Doral Central Park (3000 NW 87th Avenue) Downtown Doral Park (8395 NW 53rd Street) MANDATORY GUIDELINES

City | Ciudad

• Allowed activities: walking, jogging, skating and cycling. • Face covers are required when walking or visiting the park but not when performing rigorous activity such as running, skating and cycling. • Parks staff may limit the number of persons using trails and paths in order to ensure social distancing is maintained and may limit the time any person spends on these in order to ensure access to such facilities to other patrons. • Six feet social distancing must be observed by park patrons and all staff and groups of 10 or more are prohibited. Smaller groups must maintain social distancing in accordance with Centers for Disease Control and Prevention (CDC) and Health Department Guidelines. • Amenities and activities NOT allowed include table games, picnics, parties and use of playgrounds, exercise equipment or bike racks. Open restrooms will be frequently sanitized.

RESTAURANTS

MANDATORY GUIDELINES FOR RESTAURANTS

• Limit indoor service to no more than 50% seating capacity, excluding employees. Minimum of 6 ft between parties. • Must introduce plexiglass barriers at tills and counters as an additional level of protection for staff. • Bar counters remain closed to seating. • Ask customers to wait in their cars away from the establishment and alert them that their table is ready through their mobile phones. • All restaurant employees must wear masks. • Customers must wear masks at all times unless seated at a table. • A per table party limit of 4 persons must be maintained whether seating is indoor or outdoors unless the members of the party are from the same household. When parties are from the same household, tables may seat up to 6 persons. • Restaurants must “provide disposable menus to guests and make menus available digitally so that customers can view on a personal electronic device. • Restaurants must also “discontinue pre-setting tables with napkins, cutlery, glassware, food ware, etc. These should be supplied individually to customers as needed. • Pre-roll utensils in napkins prior to use by customers and store in a clean container. Do not leave card stands, flyers, napkin holders, or other items on tables.” • Restaurants must also “discontinue having condiments on tables. Restaurants must suspend use of shared food items such as condiment bottles,

salt and pepper shakers, etc. and provide these foods in single serve containers. • Remove all communal items from front of house, such as self-service drinks, condiments, utensils, and tableware stations; have employees provide these items to patrons. • Do not leave out after-meal mints, candies, snacks, or toothpicks for customers. Offer them with the check or provide only on request. • Provide hand sanitizer at guest and employee entrances and contact areas. • No valet parking.

RETAIL • Facial coverings must be worn at all times while in retail establishments. • Hand sanitizing dispensers or sanitizer shall be available at entrances and in common areas. • Customer queues at cashiers shall be spaced out with floor markers (every 6 ft). • Fitting rooms shall remain closed. • Occupancy load shall be limited to 50 percent of mall/store occupancy (ie. square footage of store divided by 60). • Ensure there is single point of entrance (exits shall not be locked or obstructed). • Signs shall be placed outside and inside elevators to limit capacity to 4 passengers, with visual markers for passengers to stand on. • Merchandise, particularly clothing, must be cleaned prior to being handled by customers and returned to shelves or display racks. • Cart and basket handles shall be sanitized between uses. • Car valet services are prohibited. • One-way circulation paths inside stores shall be marked with arrows at entry and exit points. • CDC signage shall be posted in publicly trafficked locations emphasizing measures to “Stop the Spread of Germs” (CDC) and exercise social responsibility (e.g., hygiene). • Stores/malls shall post a contact email address and/ or telephone number for customers. • Set specific shopping hours for vulnerable groups (elderly, persons with disabilities, pregnant women). • Remove public seating areas, if possible, and enforce distancing through signaling.

MANDATORY REQUIREMENTS FOR WAREHOUSES, TRADE AND LOGISTICS The full set of guidelines can be found on the City of Doral’s website https://www.cityofdoral.com/police/ covid-19-coronavirus-updates/. Some important highlights to note:

• Install hand sanitizing dispensers or make sanitizer available at entrances and in common areas. • All visitors and tenants must sanitize hands at time of building entry and wear facial coverings while in the building. • Place signs notifying visitors, other non-employees of strict PPE requirements (i.e., masks for all visitors); ensure signs are posted in multiple languages. (English, Spanish, Creole). • Perform deep disinfection of stored goods between shifts (i.e., mechanical sprayer / thermal foggers). • Acquire uniforms to supply employees with enough uniforms to be able to wear a clean uniform each shift. • Ensure enough masks available for all employees that are in contact with other people (including office workers, warehouse workers unable to social distance, and customer facing shipping and delivery workers), as well as sufficient quantities of soap, hand sanitizer, gloves as necessary. • Install physical barriers between workstations (e.g., plexiglass partitions) to ensure distancing. • Acquire contactless thermometers and check employee temperatures upon arrival. • Employees that come in frequent contact with customers or travel between sites should be checked more frequently. • Clean and disinfect multi-touch equipment like handgrips carts, steering wheels, pallet trucks, etc. every time a user changes and after each shift. • Wash hands or use hand sanitizer between deliveries. • Mark with arrows entry and exit points, creating oneway circulation paths inside warehouses. • Remove public seating areas, if possible, and enforce distancing through signaling. • Ensure there is single point of entrance (exits shall not be locked or obstructed). The full set of guidelines for each of these, and other, categories can be found on the City of Doral’s website -- www.cityofdoral.com/covid19 (Reopening Doral) – as well in the Miami-Dade County’s full “New Normal Guide”. Our Police and Code Compliance Officers have been hard at work visiting businesses to educate them on the new rules. It’s imperative during this reopening phase that our businesses and patrons enjoying these establishments follow the guidelines to keep our community safe. Our goal is to get our businesses back open and thriving while maintaining focus on core safety principles. If you have any questions, please contact us at constituentservices@cityofdoral. com, 305-593-6725, ex. 3011.. We’re here to help!

Mayo/May, 2020

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Mayo/May, 2020

Cover | Portada

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Returning to producing without letting our GUARD DOWN BY JAIME FLÓREZ

Mayo/May, 2020

he truth is that there is no strategy that has proven results of what could be an exit to the Coronavirus crisis. This is particularly true in regard to the way in which we are pretending to recover our normality if whatever results after all of this is over, can actually be called “normality”. We are living difficult times, and in circumstances like these, it is common that people assume strict and strong positions that they defend firmly. Once again, we are polarized. Let’s go piece by piece. Evidently, we have three different and fundamental aspects of the crisis that are intimately related to each other. The first piece is the sanitary side: people get sick, they are contagious, and they infect others. The virus is inclement, it spreads in a dangerous way, it affects people of all ages, and it can overcrowd the hospitals. This is all that we already know and are already tired of learning and knowing. On the other hand is the economic side, because this Covid-19 pandemic has brought as an immediate consequence, a financial and economic debacle of exponential proportions, and one that will affect the economic growth of the whole planet. In the United States alone it has already generated an unemployment rate close to 15 percent, and each one of us has already realized that within our close circle we have friends and relatives that have already lost their jobs or their livelihood, and the worst part is that we do not even have an idea of when is the situation going to start to improve. The third piece is the political aspect because it is our governments--and at different levels--who are responsible for taking decisions that, by principle, cannot be postponed. Some of these are how to reactivate the economy, opening what they decided to close while keeping the famous contagion curve under control. And here is where, unfortunately, the ghost of polarization appears. Because each one of us is already set in one of the two poles and depending on the fact of if we like or dislike the person in charge of decisions in the government, is that we either agree or disagree with them. This situation is of such alarming importance that no

one was prepared to face it. This does not depend on which political party they belong to or which ideology they profess if we like them or not or even if they are better prepared or not to move us in the right direction. Naturally, in these types of circumstances, no one is completely wrong or completely right. What we need to avoid is the extremes, on one side, to open everything again without any responsibility or on the other side to keep the confinement indefinitely, condemning a huge segment of the population to hunger and shortage of basic goods. The great contribution of science and experts must be to bring to the table the assistance to be able to find the proper mechanisms that allow us to reestablish jobs and production while keeping in place the procedures

that have allowed us to flatten the contagion curve, even when this is not achieved at the speed that we might want. This situation of continuously washing our hands, keep our distance, use the face mask, etc., is something with which we will have to get used to because it is not going to go away. Another thing that we need to understand is that no one will force someone that does not want to go out to do it. Those people that do not need to go out, either because they are not working, or because they can work from the comfort of their homes, must remain at home. The idea is very simple; the less people are in the streets, in commercial spaces, public places, bars, restaurants, and other commercial areas, the less risk will be that someone infects others. With less people in the street, their possibility of infection will decrease, and these data that we are thrown every day from everywhere will eventually decrease.

It is not fair that those that do not have the need to get out to work because they have the ability to do it from their homes are the ones that are putting more pressure for the reactivation of the economy, trade, and services. Their position is, let’s say, selfish, because if they stay at home, their possibilities of getting the virus are practically null. On the other side, those that want to get out to work, in many cases, have the dire need to do it, are willing to risk getting infected and to infect their loved ones. But this is just because the other possibility that they have is not to produce, even for the basic needs, to pay bills that do not stop and or simply not to work is not an option. The solution then is, as often is, a neutral point, where some stay home, those that can do it, and some get out, those that have to do it, and for these latter taking all the possible precautions both for their individual protection and for social distancing. It is also up to the creativity of the businesses to create the proper conditions that contribute to making it more difficult for people to get infected. For example, some days, people can work from home and others at the office, staggered work schedules, redesign of the office spaces in order to make sure that the distance between people is the appropriate by placing cubicles farther away. We can just believe that all of this can help us defeat this pandemic. A new normal will emerge from all of this, and we will be prepared to receive it and accept it properly. It might be that one good way to do this is to open our horizons, our thoughts to be more receptive to new ideas and points of view, to leave in the past those past dogmas that in situations like the ones we are living today, just make it clear that they lack any true meaning. The reality that is starting to come before our eyes seems to be charged of new ideas and options, we are being more inclined to generosity, to the common citizenship, to helping others, to take care of our planet, to learn to dedicate more time to our families, loosen the accumulation of material objects and instead increase that for experiences that make us better. If the world is coming to us with a change, why can’t we also receive it changing ourselves?

Cover | Portada

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Regresar a la producción sin BAJAR LA GUARDIA POR JAIME FLÓREZ

que toma las decisiones, estamos de acuerdo o no con ellas. Esta es una situación tan alarmante, tan fuera de toda previsión, tan desconcertante, que nadie, absolutamente nadie, estaba preparado para enfrentarla, y no va a ser porque sean de un partido o del otro, profesen una ideología o la otra, nos caigan bien o mal, que van a estar mejor o peor preparados para sacarnos adelante. Naturalmente, en estas circunstancias, no hay nadie totalmente equivocado ni nadie tiene completamente la razón. Hay que evitar justamente los dos extremos, por un lado, abrir todo completa e irresponsablemente, y por el otro, mantener indefinidamente el confinamiento de todos, condenando a un enorme segmento de la población al desabastecimiento y al hambre. El gran aporte de la “ciencia” y los “expertos” debe ser, traer a la mesa ayuda para encontrar los mecanismos que permitan restablecer el trabajo y la producción, manteniendo vigentes los procedimientos que han permitido que la curva de contagios se vaya aplanando, aunque no a la velocidad que queremos. Eso de lavarse las manos, mantener la distancia, usar el tapabocas, etc., es algo con lo que tendremos que acostumbrarnos porque llegó para quedarse. Lo otro es que nadie estará obligando a quien no tenga que salir, que lo haga, esas personas que no necesitan salir, bien sea porque no están trabajando, o porque pueden hacerlo desde la comodidad de sus hogares, deben seguir quedándose en casa. La idea es muy sencilla, mientras menos gente haya en las calles, en los establecimientos comerciales, en los lugares públicos, en bares, restaurantes y demás espacios comerciales, en oficinas, elevadores y salas de espera, menos riesgo habrá de que unos contagien a otros. Con menos gente en la calle serán inferiores las posibilidades de contagios, y esas cifras que a diario nos arrojan por todas partes, eventualmente se reducirán. Simplemente no resulta justo que quienes no tienen necesidad de salir a trabajar, porque pueden hacerlo desde la comodidad de sus hogares, sean quienes más presión ejercen, oponiéndose a la reactivación de la industria, el comercio y la prestación de servicios.

Su posición es, por decir lo menos, egoísta, porque si ellos mismos se quedan en casa, no salen por ningún motivo ni reciben a nadie que haya estado fuera, sus posibilidades de adquirir el virus son prácticamente nulas. En cambio, quienes tienen que salir a trabajar, en muchos casos están tan necesitados de hacerlo, que están dispuestos a correr el riesgo de contagiarse y hasta de contagiar a sus seres más queridos. Pero es que la otra posibilidad, la de no producir para abastecerse de lo básico, para pagar las cuentas que no paran, no trabajar simplemente no es una opción. La solución es entonces, como siempre, el punto neutro donde unos se queden - los que pueden, y otros salgan - los que tienen que hacerlo, y estos últimos tomando todas las precauciones posibles en materia de protección individual y distanciamiento social. Cabe también a la creatividad de las empresas imponer otras condiciones que contribuyan a hacer más difícil que las personas se contagien, tales como unos días de la semana en casa y otros en el trabajo, horarios escalonados, rediseño de los espacios para aumentar la distancia entre las personas, alejando sus cubículos. Confiemos en Dios para que todo esto contribuya a derrotar la pandemia. Una normalidad nueva vendrá después de todo esto, y debemos prepararnos adecuadamente para recibirla. Tal vez una buena forma consista en abrir de par en par nuestro pensamiento, hacernos más receptivos a nuevas ideas y puntos de vista, dejar atrás esos dogmas del pasado que en situaciones como la que vivimos demuestran que carecen de sentido. La realidad que comienza a abrirse ante nuestros ojos parece venir cargada de muchas novedades, comenzamos a ser más proclives a la generosidad, a la conciencia ciudadana, a ayudar más a nuestros semejantes, a cuidar mejor nuestro planeta, a dedicarle más tiempo de calidad a nuestra familia, a acumular menos objetos materiales y más experiencias que nos engrandezcan. Si el mundo viene trayéndonos su cambio, ¿por qué no lo recibimos nosotros, cambiando también?

Mayo/May, 2020

a verdad es que no existe una estrategia con efectos comprobados de lo que sería una salida a la crisis del coronavirus, particularmente en lo que tiene que ver con la manera en que nos proponemos recobrar la normalidad, si es que a lo que resulte después que pase todo esto, podemos llamarlo ‘normalidad’. Vivimos tiempos difíciles y en circunstancias como éstas, es común que las personas asuman posiciones firmes y las defiendan a uñas y dientes. Una vez más, estamos polarizados. Vamos por partes, tenemos evidentemente tres aspectos fundamentales de la crisis, que están íntimamente relacionados entre sí. Por un lado está el sanitario, las personas se enferman, unos contagian a otros, el virus es inclemente, se esparce de manera muy peligrosa, afecta a gente de todas las edades, puede sobresaturar la capacidad hospitalaria, en fin todo eso que ya estamos, literalmente, cansados de saber. Por otro lado está el aspecto económico, porque la pandemia del Covid-19, como hoy la conocemos, ha traído como consecuencia inmediata una debacle económico-financiera de proporciones exponenciales, que dará al traste con el crecimiento económico de todo el planeta. Ya en los Estados Unidos, ha generado niveles de desempleo cercanos al 15 por ciento, y cada uno de nosotros tiene que haberse dado cuenta que en su entorno cercano ya hay amigos y parientes que se han quedado sin trabajo y sin forma de sustento, y lo que es aún peor, no tienen ni idea de cuando las cosas van a comenzar a mejorar. El tercer aspecto es el político, porque es a los gobiernos, a distintos niveles, a quienes corresponde tomar decisiones que son en principio inaplazables, sobre cómo reactivar la economía, abriendo lo que a buena hora ordenaron cerrar y, haciéndolo, permitieron que de alguna manera se detuviera, o por lo menos desacelerara el crecimiento de la famosa curva de contagios. Y aquí aparece, por desgracia, el fantasma de la polarización, porque ya estamos matriculados, la mayoría de nosotros en uno de los dos polos, y dependiendo de si nos gusta o no el gobernante

Mayo/May, 2020

Health | Salud

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Ways To Strengthen Your IMMUNE SYSTEM During a Pandemic

DR. STEFANIE MOLINA - Elite Spine Group

uring this current health pandemic most Americans are looking for ways to be healthier. Having a healthy immune system will not only help you to fight off bacterial or viral infections that you may come across, but it will also looks you to live a longer healthier life. While I cannot guarantee that if you boost your immune system you will not contract COVID-19, I can say that you will be better equipped to fight it and you will be better equipped for the future. The immune system is a network of cells, tissues, and organs located throughout the body that work together to keep you healthy, essentially a built-in defense system. Your natural immune defenses include white blood cells (also called leukocytes), which maintain immune health by destroying foreign invaders and producing health-promoting antibodies, along with the beneficial bacteria in your gut that work to maintain a balanced internal environment. When our immune system is functioning properly we are healthy, when it is not we are sick. Here are some easy ways to boost your immune system and give your body the tools it needs to keep you healthy.

5. TAKE SUPPLEMENTS SUCH AS VITAMIN C, ELDERBERRY, COD LIVER OIL, AND A MULTIVITAMIN

1. LIMIT SUGAR AND PROCESSED FOODS

Chiropractors are generally thought to be doctors of the spine, which is true. But we are actually do it’s of the nervous system. We adjust the spine to make sure there is no interference to the nervous system so it can function properly. The nervous system runs everything in our body, like a motherboard to a computer, so we need to make sure it’s always working at 100%. Many studies have shown that the function of the nervous system is directly tied to the function of the immune system. If the nervous system is not functioning the immune system is not functioning. It is very important to make sure your nervous system is free of interference so your body can work properly to keep you healthy. None of these tips are ways to stop you from getting COVID-19 nor are they treatments for the disease. They are simply ways to make sure your immune system and your body are functioning at their optimal level. That way you can be healthy and stay healthy for a very long time.

Eating or drinking too much sugar can curb the immune system cells that attack bacteria and viruses. After drinking a couple sugary drinks, like soda, the effects can last a few hours.

Mayo/May, 2020

2. EAT PLENTY OF FRUITS AND VEGETABLES

Make sure to eat plenty of foods rich in Vitamin C and E, Beta-carotene, and Zinc. It’s best to eat a wide variety of brightly colored fruits and vegetables such as, berries, citrus fruits, kiwi, apples, red grapes, kale, onions, spinach, sweet potatoes and carrots. Other foods that are good for the immune system are garlic, which may help fight viruses, and shiitake mushrooms have also been shown to help the immune system. It’s best to make sure the fruits and vegetables you are eating are Non-GMO and organic to avoid any chemicals or additives that may suppress your body’s healing abilities.

Vitamin C is an essential antioxidant and one of the most well known for supporting the immune system. Zinc is involved in many processes within the body, but it is also an antioxidant. Without it the immune system can’t function properly. Elderberry has many antioxidants that help support the immune system. It has also been shown to reduce inflammation and stress. You can find Elderberry syrup at most health food stores and online. The normal American diet is usually deficient in many of the vital nutrients we need to thrive. It’s always a good idea to take a multivitamin that can fill in the gap from our diet. This will help all of our bodily systems function properly.

6. EXERCISE

Moving 30 minutes per day ha been shown to boost the immune system. It increases your body’s endorphins and helps you to get a good night sleep. It doesn’t have to be high impact activities or heavy weightlifting, a 30 minute walk will do just fine.

7. GET ADJUSTED

3. GET PLENTY OF REST

Not getting enough sleep can lead to an increase in stress hormones and inflammation in the body. Both of these have been shown to decrease the immune system. Research has shown that getting 7-9 hours of sleep per night is good for your health.

4. DRINK WATER

Water helps to carry oxygen to your cells to ensure all the systems in your body are working properly. It also helps to rid your body of toxins so you don’t have a toxic buildup that has a negative impact on your immune system. You can drink cold water with lemon that is full of Vitamin C or drink hot water as in tea that will provide antioxidants to fight off free radicals.

Mayo/May, 2020

La nueva NORMALIDAD en los niños

Mayo/May, 2020

as familias de todo el país se están adaptando a los cambios en la vida diaria causados por la pandemia de COVID-19. La nueva normalidad lleva un periodo de adaptación y emociones que hay que saber cómo manejarlo. Esto incluye tratar de mantener a los niños ocupados, seguros e intentar mantenerlos al día con las tareas escolares lo mejor posible. Nada de esto es fácil pero se debe reforzar un sentido de control y asegurarle a los niños que están bien y que la situación mejorará. Es muy importante recordar que los niños buscan orientación en los adultos sobre cómo reaccionar ante los eventos estresantes. Si los niños preguntan sobre la pandemia, infórmeles en un nivel apropiado para su edad. Recuérdele a su hijo que su familia está sana y que hará todo lo que esté

a su alcance para mantener a sus seres queridos seguros y bien. Enséñele a sus hijos medidas preventivas positivas. Hable con ellos sobre sus miedos y sobre su riesgo de infección puede ayudar a reducir la ansiedad. Los padres deben monitorear el tiempo que sus hijos pasan frente a la televisión o internet. Es inevitablemente y debemos aceptar que estarán frente a las pantallas mucho más que durante los tiempos normales. Como padre, debe monitorear lo ¿qué están viendo en la pantalla y con quién están? Establezca y mantenga una rutina diaria. Mantener un horario regular proporciona una sensación de control, previsibilidad, calma y bienestar. Si está buscando cosas divertidas para hacer en casa, sea creativo como pasar el tiempo y deje que la imaginación de su hijo

sea el líder. Concéntrese en lo positivo y celebre tener más tiempo para pasarlo en familia. Permita que los niños mayores se conecten virtualmente con sus amigos. El distanciamiento social o las restricciones del día a día generan en cualquier persona, sensaciones de estrés y mas si vivimos con niños pequeños. Sin embargo, lo que al principio podría ser desbordante, debe comenzar a gestionarse de otra forma... Salga, si es posible, para conectarse con la naturaleza y hacer ejercicio dentro de las normas y con todas las medidas de seguridad. Los paseos no son como antes, la logística cuesta más, pero sí es importante que salgamos, dentro de las posibilidades de cada uno. La nueva normalidad no tiene que ser tan mala.

Mayo/May, 2020

Real Estate | Bienes Raíces

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Las tasas hipotecarias se mantienen en los niveles más bajos

El Real Estate después del COVID-19 EDDA PUJADAS @epujadas

Mayo/May, 2020

i bien, las ventas de viviendas habían disminuido porque la crisis de salud desatada por el Coronavirus hizo que muchos compradores y vendedores lo pensaran mejor antes de comprar, vender e incluso mudarse en medio de la pandemia, la situación comienza a normalizarse. Al reconocer las incógnitas y dudas relacionadas con el impacto del virus COVID-19, en el sector inmobiliario, Lawrence Yun, economista jefe de la Asociación Nacional de REALTORS®, mostró un optimismo cauteloso sobre hacia dónde se dirige la economía y destacó los indicadores positivos en el mercado del Real Estate. Para Yun, es importante señalar que, a pesar de que hubo una disminución del gasto del consumidor en el primer trimestre del 2020, la inversión residencial, que incluye la construcción de viviendas, las ventas de viviendas y la remodelación, en realidad aumentó un 21% durante los primeros tres meses, lo cual es un indicador de la fortaleza del mercado inmobiliario antes de la pandemia. De hecho, la tendencia indica que, si no fuera por el COVID-19, probablemente habríamos visto un aumento de los precios de las propiedades residenciales en el rango del 2% al 4%, debido a que la demanda estaba muy por encima de la oferta y los índices de desempleo estaban apenas rondado el 3%. Por ejemplo, hace unas semanas, el inventario de viviendas unifamiliares con precios por debajo al millón de dólares entre los condados de Miami-Dade y Broward llegaba solamente a unas 6 mil propiedades. Para que los precios, realmente, empiecen a bajar este inventario tendría que ubicarse en 31 mil casas a la venta, así que no hay una tendencia descendente significativa. Otro factor a tomar en cuenta es que, mientras que las tiendas de ropa, de deportes y pasatiempos y grandes almacenes registraron fuertes descensos, los gastos en materiales de construcción y jardinería en realidad aumentaron un 10,4%, un indicador esperanzador, desde el punto de vista de Yun, pues considera que la gente está mejorando sus hogares, remodelando, trabajando en su jardin… en fin en todas esas cosas que hacen que el valor de una casa aumente. Por otra parte, las ventas comienzan a recuperarse y los nuevos contratos para propiedades con precios entre $500,000 dólares y $ 1 millón de dólares aumentaron en un 33%, mientras que las solicitudes para comprar una casa registraron un cuarto aumento

semanal consecutivo, con un incremento del 11%, según la información reportada por las asociaciones de banqueros hipotecarios. Otro indicador de la recuperación del mercado inmobiliario, es que las personas están reanudando la búsqueda de casas en internet, después de hacer una pausa durante las etapas iniciales del brote de COVID-19. Según LendingTree, que es el mercado de préstamos en línea más grande de Estados Unidos, de marzo a abril, las ciudades de Tucson en Arizona, Nueva Orleans en Luisiana y Miami en Florida registraron los mayores aumentos en la búsqueda de propiedades. Mientras, las tasas hipotecarias bajas se mantienen, siendo la semana que finalizó el 14 de mayo, la sexta semana consecutiva en que las tasas hipotecarias se han mantenido en o cerca de los mínimos históricos. La tasa fija de 30 años promedió 3.28%, informa la Corporación Federal de Préstamos Hipotecarios, mejor conocida como Freddie Mac. El año pasado, durante este mismo mes, las tasas a 30 años promediaron 4.07% y el promedio más bajo en los registros que datan de 1971 es 3.23%, que se estableció la semana que terminó el 30 de abril. Las otras hipotecas también están en niveles bajos, por ejemplo, la de tasa fija a 15 años, promedió 2.72% y las híbridas de tasa ajustable a cinco años se ubicaron en 3.18%. Las especulaciones con respecto a los desalojos hipotecarios (mejor conocidos por su denominación en inglés, foreclosures) también se han ido disipando debido a que la Agencia Federal de Financiamiento de la Vivienda anunció que extenderá una moratoria sobre ejecuciones hipotecarias y desalojos de hipotecas respaldadas por Fannie Mae y Freddie Mac hasta al menos el 30 de junio del 2020. Originalmente, la moratoria expiraba el 17 de mayo, pero se decidió extender debido los efectos económicos de la pandemia de COVID-19. Incluso, la firma de datos inmobiliarios ATTOM Data Solutions informó que sus números de ejecuciones hipotecarias de abril del 2020 fueron un 75% menor que hace un año y de hecho son los más bajos jamás registrados debido a la moratoria de ejecución

hipotecaria impuesta por el coronavirus, así que quienes estén pensando en los foreclosures para encontrar una propiedad muy barata tendrán que sentarse a esperar. … Y sentarse a esperar por mucho tiempo, pues tienen que pasar entre 10 meses y un año para que el banco puede efectivamente ejecutar un foreclosure y sacar la propiedad al mercado de venta, sin contar que este proceso tiene un gasto legal para las instituciones financieras que oscila entre $12,000 y $30,000 dólares. En cuanto a los precios de las propiedades, la tendencia que parece imponerse en estos momentos es sobre las propiedades que estaban a la venta antes de que surgiera la pandemia del coronavirus y aún siguen a la venta. Estos vendedores están dispuestos a escuchar ofertas, negociar, hacer acuerdos de pago e incluso, colaborar con los gastos de cierre. Para el Sur de la Florida, el mercado sigue en movimiento e incluso espera dar la bienvenida a nuevos residentes, pues quienes se vieron encerrados en pequeños apartamentos en ciudades caras quieren, ahora, buscar zonas con casas que tengan más espacio, patios y lugares de esparcimiento al aire libre, como sucede en gran parte de las ciudades de nuestro estado. Ya antes del COVID-19 había una gran afluencia de habitantes del norte, específicamente de Nueva York, explorando opciones de comprar en Miami debido a sus beneficios fiscales y su clima y que ahora, tras haber vivido la pandemia desde su epicentro, han acelerado su decisión de mudarse al Sur de la Florida.

Mayo/May, 2020

Education | Educación

www.doralfamiyjournal.com

COVID-19 and COLLEGE BY: BELINDA GONZALEZ-LEON, ED. D., MBA Premier Educational Consulting, LLC Email: bleon@bleon-pec.com Ph: (305) 494-9389

igh school seniors are finishing school through Zoom, watching caravans of well-wishers drive by their homes, and participating in virtual graduation ceremonies for a bittersweet end of their high school years. What will Fall hold for these future college freshmen? Most colleges plan to hold in person on campus classes, but it is only a plan. Universities are also planning to teach online courses if needed or for the possibility of switching back to virtual classes if there is a resurgence of COVID-19 cases in the winter.

Mayo/May, 2020

WHAT IS A FUTURE COLLEGE STUDENT TO DO?

First, stay on top of alerts and announcements released by your college. Check their website, sign up for email alerts, connect to their social media, and get on their list for text notifications. Despite plans for the Fall, colleges are still speculating. Only a few have announced definitive plans to offer classes on campuses whereas others will stay online, and some have announced a plan to do both- a hybrid model. Stanford University announced that they may not open until January 2021. Several small colleges have announced they are closing permanently due to financial strains. If your college is open for classes on campus in Fall, are you ready to attend? Are your parents worried about your safety in a classroom or dorm? Colleges are still determining the needed procedures to ensure students can sit in class; live in dorms; and participate in college activities while maintaining social distance, disinfected areas, and frequent hand washing. If you or your family do not feel safe and you would prefer to wait another semester or even another year before you start, you need to speak to your school about your options. Ask about deferring admissions for a semester or a year. Ask what are the conditions that must be met for deferment. Ask what are the ramifications of a deferment. Deferrals are standard practice at colleges, and many are being flexible because of the pandemic, but you still want to make sure you get all the information. It is important to remember that you must ACCEPT your offer of admissions BEFORE you request a deferral. If you are experiencing financial difficulties to pay

for college, now is the time you need to ask for more assistance. Contact your financial aid advisor and tell them you need help with college expenses to start school. Each college has a different procedure- some will interview you over the phone; others have a form; and some colleges have a formal financial aid appeal procedure. Be prepared to list all challenges you face in paying tuition (i.e. unemployment, medical expenses, decided to attend at the last minute, etc.,) and you may need to provide documents as evidence. The CARES Act awarded colleges and universities federal dollars to help the school pay for COVID-19 related expenses, but 50% of that funding MUST be awarded to students as grants to help them pay for school. Be prepared that you may start your first semester of college as an online student. Colleges do not necessarily consider Zoom an online course. They use software that posts documents to be read; requires questions to be answered; papers to be submitted; discussions through student posts; and allow for exams to take place in a controlled environment. You need to meet all requirements of the course to pass. Being an online student means that you will be at home probably in your own bedroom, not a college dorm. If you are a hybrid student, most of your work will be done online but there will be in-person class time with your professor and fellow students. If you do not think you can flourish in an online environment, then consider deferment or attending a college that is offering on campuses courses- at least for your first semester. There is also the option of taking a year off before starting college – a gap year. Normally, a gap year is for you to travel and find adventures that will allow you to mature and gain more knowledge for your eventual college studies. Under current travel restrictions, that would be difficult to do, but maybe travel to a different state for an internship? Local internships are available too! You could also find a job preferably related to your major. Perhaps you

could work on a non-profit project or put some time into the family business? If you have a good option of something to do while waiting a year to go to college, confirm that your school will allow it and discuss it with your family. Whatever you end up doing before starting school, document it. Your year experience could help you when you want to transfer to another school, qualify for a scholarship, or apply for graduate school. The key word for this college year is flexibility. Be flexible for whatever the future holds. That applies to what college you decide to attend; the courses

offered to you; and what your parents ask of you. This is a time where leaders, businesses, and schools are trying to digest ever changing information and make decisions that could be disrupted in a few weeks. This is just one year of your life and you will have many more years of life, God willing. Soon we will have a better sense of normalcy and you can finish college and have your career and move forward. I promise.

Education | Educación

www.doralfamiyjournal.com

COVID-19 y la UNIVERSIDAD

os estudiantes de último año de secundaria están terminando la escuela a través de Zoom, viendo caravanas de simpatizantes pasar por sus casas, y participando en ceremonias virtuales de graduación para un final agridulce de sus años de secundaria. ¿Qué les deparará el otoño a estos futuros estudiantes universitarios de primer año? La mayoría de las universidades planean tener clases presenciales en el campus, pero es solo un plan. Las universidades también planean enseñar cursos en línea si es necesario o la posibilidad de volver a las clases virtuales si hay un resurgimiento de los casos de COVID-19 en el invierno.

¿QUÉ DEBE HACER UN FUTURO ESTUDIANTE UNIVERSITARIO?

Primero, manténgase al tanto de las alertas y anuncios publicados por la universidad. Revise su sitio web, regístrese para recibir alertas por correo electrónico, conéctese a las redes sociales y obtenga notificaciones de texto. A pesar de los planes para el otoño, las universidades todavía especulan. Solo unos pocos han anunciado planes definitivos para ofrecer clases en los campus, mientras que otros permanecerán en línea, y algunos han anunciado un plan para hacer ambas cosas: un modelo híbrido. La Universidad de Stanford anunció que no abrirán hasta enero de 2021. Varias universidades pequeñas han anunciado que cerrarán permanentemente debido a tensiones financieras. Si la universidad estárá abierta para clases durante el otoño, pregúntate si estás listo para asistir? ¿Están tus padres preocupados por tu seguridad en un salón de clases o dormitorio? Las universidades aún están determinando los procedimientos necesarios para garantizar que los estudiantes puedan sentarse en clase; vivir en dormitorios; y participar en actividades universitarias mientras se mantiene la distancia social, las áreas desinfectadas y el lavado frecuente de manos. Si tu o tu familia no se sienten seguros y preferirías esperar otro semestre o incluso otro año antes de comenzar, debes hablar con la universidad sobre tus opciones. Pregunta acerca de aplazar las admisiones por un semestre o un año. Pregunta cuáles son las condiciones que deben cumplirse para el aplazamiento. Pregunta cuáles son las consecuencias de un aplazamiento.

Los aplazamientos son una práctica estándar en las universidades, y muchos son flexibles debido a la pandemia, pero aún así debes asegurarte de obtener toda la información. Es importante recordar que debe ACEPTAR su oferta de admisiones ANTES de solicitar un aplazamiento. Si tienes dificultades financieras para pagar la universidad, ahora es el momento en que necesita pedir ayuda. Contacta a tu asesor de ayuda financiera y explicale que necesitas ayuda con los gastos universitarios para comenzar la universidad. Cada universidad tiene un procedimiento diferente, algunos entrevistarán por teléfono; otros tienen un formulario, y algunas universidades tienen un procedimiento formal de apelación de ayuda financiera. Esté preparado para enumerar todos los desafíos que enfrenta al pagar la matrícula (es decir, desempleo, gastos médicos, decidió asistir a último momento, etc.) y es posible que deba proporcionar documentos como evidencia. La Ley CARES otorgó ayuda federal a los colleges y universidades para ayudar a la escuela a pagar los gastos relacionados con COVID-19, pero el 50% de esa financiación DEBE otorgarse a los estudiantes como subsidios para ayudarlos a pagar la escuela. Prepárate para que puedas comenzar tu primer semestre de la universidad como estudiante en línea. Las universidades no consideran necesariamente que Zoom sea un curso en línea. Usan un software que publica documentos para ser leídos; requiere preguntas para ser respondidas; documentos a ser presentados; discusiones a través de publicaciones de estudiantes; y permitir que los exámenes se realicen en un entorno controlado. Debes cumplir con todos los requisitos del curso para aprobar. Ser un estudiante en línea significa que estarás en casa probablemente en tu propia habitación, no en una residencia universitaria. Si eres un estudiante híbrido, la mayor parte de tu trabajo se realizará en línea, pero habrá tiempo de clase en persona con tu profesor y tus compañeros. Si no crees que puedas prosperar en un entorno en línea, considera aplazar o asistir a una universidad que ofrezca cursos en los campus, al menos durante su primer semestre. También existe la opción de tomar un año sabático antes de comenzar la universidad. Normalmente, un año sabático es para que viajes y encuentres

aventuras que te permitan madurar y obtener más conocimiento para tus eventuales estudios universitarios. Bajo las restricciones actuales de viaje, eso sería difícil de hacer, pero ¿tal vez viajar a un estado diferente para una pasantía? ¡Pasantías locales también están disponibles! También puedes encontrar un trabajo preferiblemente relacionado con tu especialidad. ¿Quizás podrías trabajar en un proyecto sin fines de lucro o dedicar un tiempo al negocio familiar? Si tienes una buena opción de hacer algo mientras esperas un año para ir a la universidad, confirma que tu escuela lo permitirá y habla con su familia. Lo que sea que termines haciendo antes de comenzar la escuela, documéntalo. La experiencia de ese año podría ayudarte cuando desees transferirte a otra escuela, calificar para una beca o postularte para una escuela de posgrado. La palabra clave para este año universitario es flexibilidad. Sé flexible para lo que te depare el futuro. Eso se aplica a qué universidad decides asistir; los cursos que se te ofrecen; y lo que tus padres te piden. Este es un momento en el que los líderes, las empresas y las escuelas están tratando de asimilar información siempre cambiante y tomar decisiones que podrían verse afectadas en unas pocas semanas. Este es solo un año de tu vida y tendrás muchos más años de vida, si Dios quiere. Pronto tendremos una mejor sensación de normalidad y podrás terminar la universidad y tener tu carrera y seguir adelante. Lo prometo.

Mayo/May, 2020

POR: BELINDA GONZALEZ-LEON, ED. D., MBA Premier Educational Consulting, LLC Email: bleon@bleon-pec.com Ph: (305) 494-9389

Mayo/May, 2020

Health | Salud

www.doralfamiyjournal.com

A look at mental health during an era of PANDEMIC and SOCIAL DISTANCING By JESSICA FRIAS B.S. Doctoral Candidate at Albizu University & Dr. ISAAC TOURGEM An Assistant Professor Albizu University/ Clinical Neuropsychologist Design Neuroscience Center.

he CDC defines social distancing as the “physical distancing of keeping space between yourself and other people outside of your home.” The practice of social distancing recommends 6 feet of distance from other people, not gathering in groups, and staying out of crowded places. Social distancing has been essential in preventing the spread of COVID-19 (Corona Virus Disease 2019). However, the impacts of social distancing are far more than physical, they can lead to an impact on one’s mental health. As humans we are social beings and interaction with others plays an important role in maintaining our mental health. We use human interaction as a coping mechanism and often reach out to family or friends for social support. A study conducted in March of 2020 published by the International Journal of Environmental Research in Public Health stated that due to the spread of COVID-19 and the increase in social distancing there has been an increase in depression and anxiety. So why are people experiencing a rise in negative emotions?

ANXIETY

Mayo/May, 2020

The first and possibly the most apparent reason for negative emotions is paranoia of being diagnosed with COVID-19. This disease has spread quickly and has proven detrimental to vulnerable/high-risk populations, making social distancing and closing of certain business necessary. While the CDC and other officials have made the best effort to spread accurate information, humans tend to be skeptical and that skepticism can lead to feelings of worry and anxiety. Another added worry in the unpredictability of the disease mainly due to the lack of preparation and the unknown duration of the pandemic. Additionally, those that have been deemed essential workers are experiencing excess stress and anxiety while continuing to work during this global pandemic.

FINANCES

Financial hardship and job loss are some other stressors brought on by COVID-19 that we were not expecting. Despite the efforts that the government has made to spread financial aid to the country, people are finding themselves in situations where they are not making their usual income or are entirely out of jobs. However, bills do not go away simply because

of a pandemic and the lack of income can bring upon unexpected worries.

ISOLATION

Socialization and human interaction were part of daily life before the need for social distancing. Whether you were seeking out social interaction or not before COVID-19 it seemed like human interaction was unavoidable. Social distancing has brought on isolation. This lack of interaction and socialization can lead to feelings of loneliness or even depression for those finding themselves isolating alone.

FAMILY

Many individuals have taken social distancing as an opportunity to be with close family members and relatives. However, the stress of living in close proximity to individuals that you do not normally spend large amounts of time with may begin to impact one’s mental health. Family for many means spouses as well, and during this era of social distancing people are spending more one-on-one time with their spouses. While some say that the alone time may spark a “baby boom” others believe that the prolonged amount of time together, lack of freedom, along with the emotional and financial difficulties brought on by COVID-19 may lead to an increase in divorce rates.

ROUTINES

Before social distancing was mandatory many people had jobs that required them to leave the house. This often required getting up at a certain time to commute and get to the office. The routine of getting up, making your bed, getting dressed, and having somewhere to be promotes productivity and positivity. We are also creatures of habit; we do well with routines and when something in our routine changes so do we.

EVENTS AND TRAVEL

Concerts, weddings, birthdays, and other special events including travel have been rescheduled or suspended for the time being. The large gatherings or vacations that people have looked forward to as a reprieve from their daily lives have been cancelled. The graduating seniors are having to celebrate without the events that they’ve spent the past four years looking forward to. Also, sports and other television programs are suspended. The lack of social input and canceling

of events can leave people feeling down and makes the unknown duration of this pandemic feel very real.

WHAT CAN WE DO?

Despite these factors that can contribute to negative emotions some individuals are finding the light in this darkness. To combat these feelings of isolation some have begun to resort to video calling as a way to interact with others, whether it be for work or socialization. Applications such as Zoom and FaceTime have made communicating with family and friends possible making the distance feel just a little smaller. So what else can we do to fight these negative emotions during an era of social distancing? • Keep in touch with family and friends • Get outside and take a walk • Try to stick to a normal sleeping schedule and routine • Use this time at home to work on unfinished/timeconsuming home projects • Enjoy being with family • Spend time with your pets • Read • Get creative in the kitchen and try new recipes • Clean and organize your living space • Take a drive • Make social events virtual (happy hours, movie nights, date night, etc.)

WHEN TO SEE A DOCTOR OR SPECIALIST

Consultation with your family doctor or specialist would be indicated if you find yourself experiencing changes in sleep or appetite indicated by significant weight loss/gain, restlessness, consistent fatigue or frequent nightmares. Low motivation, daily sadness, thoughts of death and dying, panic symptoms and constant worry are other important symptoms to monitor. Others may express to you that you are becoming more irritable or isolating more than needed. Increased consumption of substances including tobacco and alcohol are also signs to monitor. Many doctors’ offices and mental health providers have integrated ‘tele-health’ services into their practices, allowing some patients to be seen without having to leave their homes. At Design Neuroscience Center we have integrated tele-health services across all our specialties to meet the needs of current times and ensure patient safety.

Mayo/May, 2020

Enero/January 19, 2020

Mayo/May, 2020

TAX PLANNING INSIGHTS

Should You Skip Required MINIMUM DISTRIBUTIONS?

WHY YOU SHOULD SKIP RMDS

Delaying RMDs means more assets producing money in the future. If you take distributions from retirement accounts during 2020, consider that you’ll be liquidating securities after your portfolio’s value has fallen. If you refrain from distributions during 2020, that will mean more assets will remain and eventually recover when the market does, eventually, rebound. You’ll cut your tax bill. Skipping an RMD for some may mean fewer taxes you’ll need to pay to Uncle Sam on your 2020 tax return. If minimizing your tax liability is a primary goal for 2020, then forgoing RMDs should be strongly considered.

WHY YOU SHOULD CONSIDER TAKING AN RMD

Mayo/May, 2020

¿Debe omitir las DISTRIBUCIONES MÍNIMAS requeridas?

New law lets you forgo distributions in 2020

he stock market boomed in 2019 – the Dow Jones increased 22%; the S&P 500 jumped 28%; NASDAQ skyrocketed, coming in just shy of 35%. By March 23, 2020, the Dow had plummeted 35%; the S&P dropped 31%; NASDAQ was down 24%. (As of press time, each market has rebounded to a less catastrophic decline.) The stock market rollercoaster does not bode well for retirement accounts, as required minimum distributions are normally calculated by dividing an account’s December 31 balance by an IRS life expectancy factor. Enormous account balances on December 31, 2019 means large required minimum distributions (RMDs) from retirement accounts for 2020 after the markets crashed. The IRS recognizes this problem, allowing RMDs to be skipped for 2020. Are there situations, however, where you may want to still take a distribution from your retirement account? Here are some tips for deciding whether you should forgo an RMD or if it might be better to take one.

PLANIFICACIÓN DE IMPUESTOS

Take an RMD if your income will be low in 2020. If 2020 looks to be a year where your income may be lower, consider taking an RMD in 2020 as you’ll pay lower income taxes on your distributions. You need the money. You may not have a choice of skipping an RMD if you need the retirement funds to pay for monthly living expenses. Consider asking your financial advisor if you can liquidate securities that have held up relatively well during the downturn while leaving alone any securities that have lost significant value. Making decisions on how much to withdraw from retirement accounts this year is not for the faint of heart. When in doubt, call to create a revised plan that takes our current pandemic environment into consideration. For more information, Rosillo & Associates can assist you! Call at (305)477-5671, or visit www.RosilloCPA.com Rosillo & Associates is located in 7950 NW 53rd St., Suite 221, Doral FL 33166

La nueva ley le permite renunciar a las distribuciones en 2020

l mercado de valores se disparó en el 2019: el Dow Jones aumentó un 22%; el S&P 500 saltó 28%; NASDAQ se disparó, llegando al 35%. Para el 23 de marzo del 2020, el Dow se había desplomado un 35%; el S&P cayó un 31%; NASDAQ cayó un 24%. (Al cierre de esta edición, cada mercado se ha recuperado a un declive menos catastrófico). La montaña rusa del mercado de valores no es un buen augurio para las cuentas de jubilación, según sea necesario, las distribuciones mínimas normalmente se calculan dividiendo el saldo del 31 de diciembre de una cuenta por un factor de esperanza de vida del IRS. Los enormes saldos de las cuentas al 31 de diciembre de 2019 significan grandes distribuciones mínimas requeridas (RMD) de las cuentas de jubilación para el 2020 después de que los mercados colapsaron. El IRS reconoce este problema, permitiendo que se omitan los RMD para 2020. Sin embargo, ¿hay situaciones en las que es posible que desee tomar una distribución de su cuenta de jubilación? Aquí hay algunos consejos para decidir si debe renunciar a un RMD o si sería mejor tomar uno.

¿POR QUÉ DEBERÍAS SALTARTE LOS RMD?

Retrasar los RMD significa más activos que producirán dinero en el futuro. Si toma distribuciones de cuentas de jubilación durante el 2020, considere que liquidará valores después de que el valor haya disminuido. Si se abstiene de distribuciones durante 2020, eso significará que permanecerán más activos y eventualmente se recuperarán cuando el mercado, eventualmente, se recupere. Reducirá su factura de impuestos. Saltarse un RMD para algunos puede significar menos impuestos que deberá pagar al Tío Sam en su declaración de impuestos del 2020. Si minimizar su obligación tributaria es un objetivo principal para el 2020, entonces debe considerar seriamente renunciar a los RMD.

¿POR QUÉ DEBERÍAS CONSIDERAR TOMAR UN RMD?

Tome un RMD si sus ingresos serán bajos en el 2020. Si el 2020 parece ser un año en el que sus ingresos pueden ser más bajos, considere tomar un RMD este año, ya que pagará impuestos sobre los ingresos más bajos en sus distribuciones. Necesita el dinero. Es posible que no tenga la opción de saltarse un RMD si necesita los fondos de jubilación para pagar los gastos de subsistencia mensuales. Considere preguntarle a su asesor financiero si puede liquidar los valores que se hayan mantenido relativamente bien durante la recesión y dejar solo los valores que hayan perdido un valor significativo. Tomar decisiones sobre cuánto retirar de las cuentas de jubilación este año no es para los débiles de corazón. En caso de duda, llame para crear un plan revisado que tenga en cuenta nuestro entorno pandémico actual. Para más información, Rosillo & Associates puede ayudarlo. Llame ahora al (305) 477-5671 o visite www.RosilloCPA.com Rosillo & Associates está ubicado en 7950 NW 53rd St., Suite 221, Doral FL 33166

Mayo/May, 2020