“Blessed Are You!”
Words from long ago bring value to lives today - P. 16
The Newsletter of Nazarene Benefits USA | Winter 2024 Winter 2024
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Contents 03 From the Director by Kevin P. Gilmore So Important... and Uncomplicated! 05 Sensible Stewardship by Amy Artiga Year-End Tax Planning for Pastors 07 Retire Well with the Ministers Match from NBUSA 07 SSA Announces COLA 08 Pressing On by Daron Brown The Slow Turn 10 Past to Present by Stan Ingersol Who Gave Thee This Authority? — Women Defend Their Call to Preach 12 Dwelling with God by Mary Rearick Paul Blessed Are You! 15 To Your Health by Stephen A. Wilson Vaccinations 16 Watch for Tax Helps from NBUSA 17 Special Anniversaries 18 Church Triumphant
The Newsletter of Nazarene Benefits USA
NBUSA Quarterly is published by Nazarene Benefits USA to inform church leaders and employees about matters of clergy finance, along with articles of encouragement, spiritual enrichment, and wellness. Noncopyrighted information may be shared in newsletters and electronic communications. EXECUTIVE DIRECTOR Kevin P. Gilmore DIRECTOR OF OPERATIONS Roger Creeden OFFICE MANAGER Lavonne Rieck TECHNOLOGY SUPERVISOR Ron Bell COMPLIANCE AND BENEFITS MANAGER Keith Hindman OPERATIONS MANAGER Emily Bartlett COMMUNICATION RESOURCES MANAGER/EDITOR Mark Graham DESIGNER Emily Gregg NAZARENE BENEFITS USA 17001 Prairie Star Pkwy, Lenexa, KS 66220-7900 888.888.4656 | benefits@nazarene.org | nbusa.org
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From the Director
By Kevin P. Gilmore
So Important...and Uncomplicated!
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his newsletter has a different look because of our new brand and name change to Nazarene Benefits USA (NBUSA). While our brand and name have changed, our mission and dedication to serving those who serve the Lord has not. We have a vision for every currently active and future Nazarene minister to retire well. By “well,” we mean able to retire with sufficient financial resources and live comfortably without financial dependency on others. This requires financial resources from three major components: 1) Personal savings/assets, 2) Social Security benefits, and 3) Nazarene retirement benefits. Some may have resources from other places, such as retirement accounts from another career or from a spouse, but the vast majority will need at least the three listed above. These sources are critically important because Social Security and Nazarene retirement benefits are only intended to supplement, not replace, a minister’s income in retirement. The financial blessings of the past several years have provided NBUSA with a sustainable pathway to meet future benefit obligations of the Basic Pension Plan. Because the funded status of this plan has stabilized, we now have additional resources to improve benefits of active ministers.
Retirement readiness of active ministers is the single most significant financial issue facing U.S.-based Nazarene churches today.
Winter 2024
Retirement readiness of active ministers is the single most significant financial issue facing U.S.based Nazarene churches today. To strategically address this problem among clergy, we recently announced changes, effective in 2024, in the way NBUSA makes contributions to the 403(b) retirement accounts of ministers (learn more at 3
nbusa.org/ministers-match-resources). This new matching approach has the potential to provide substantially more benefits for most, so long as the local minister and/or church begin to contribute directly to the minister’s Nazarene 403(b) retirement savings account. At the same time, payment of a church’s NBUSA Fund allocation is important because it provides the financial support for this match and allows us to maintain operations. If you think there is no room in your personal budget to begin saving for retirement, let me ask you: What if I could show you that reducing your take-home pay by only $540 will result in a contribution of $2,250 to your 403(b) retirement account? The following example illustrates my point: This example represents a married couple filing jointly under the 2023 Federal tax code. The spouse has no income, no other dependents, and 100% of the NBUSA Fund allocation is paid.
Description
Amount
%
Federal Taxable Salary
$35,000
85%
Housing Allowance
$15,000
15%
Total Cash Compensation
$50,000
100%
SECA Reimbursement
$4,150
8.3%
In this example, take-home pay for the minister would be $45,128; however, if the minister contributed $1,500 (3%) of cash compensation through payroll withholding to their 403(b) account, take-home pay would decline by only $540, because the level of SECA (Social Security) tax would be reduced, and federal income tax would be eliminated. The bottom line is the pastor saves $960 in taxes by investing $1,500 toward their own retirement. Take-home pay declines by $540, but the retirement account gains $1,500. Then, because the minister’s church paid 100% of its NBUSA Fund allocation, NBUSA will match the $1,500 contribution with $750 (50%), resulting in a total annual addition to the retirement account of $2,250. If the minister does this every year for 30 years, earning an average rate of 7% annually (utilizing a basic annual simple interest calculation), they would accumulate in excess of $212,000 in the account. If they did this for 40 years, the balance would grow to nearly $500,000! Imagine what these numbers would look like if the minister chose to bump the annual contribution a little each year, then imagine the impact if their local church helped with some level of matching contribution! This type of activity is not complicated, and it could solve the looming financial crisis facing our pastors—but saving for retirement doesn’t happen by accident. At NBUSA, we have the resources and financial advisor partners available to help you develop your plan to retire well. Kevin P. Gilmore serves as executive director of Nazarene Benefits USA for the Church of the Nazarene.
*Investing involves risk, including the risk of loss.
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NBUSA Quarterly
Sensible Stewardship
By Amy Artiga
Year-End Tax Planning for Pastors
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e’re coming to the Christmas season and the end of the year, so you probably have a lot on your mind and plate right now. If you shared your “To Do” list for the rest of 2023, I doubt taxes would be included, since most people don’t think about them until spring. But if you could take time to consider these five year-end tax planning opportunities between now and January 1, it could be worth the effort.
has already been designated, you might as well take full advantage of it, that is, if it fits in your budget.
1. Compare your actual housing expenses with your 2023 designated housing allowance. As we wrap up the year, it’s time to compare what you’ve actually spent on housing with what you anticipated and designated as housing allowance. If you’re not on track to use your entire designated allowance, now might be a good time to do that project you’ve been considering. Since the housing allowance
2. Check your tax withholding. It can be hard to get withholding right, especially for pastors who have to pay self-employment taxes. By now, you should have a good idea of what your 2023 total income will be, so it’s a good time to doublecheck to make sure you have been withholding enough from your paychecks or paying enough in quarterly estimated tax payments throughout the year.
Winter 2024
You may not have a need to spend your entire housing allowance in 2023, and that’s okay. The excess allowance will need to be added back to taxable income when filing your return in a few months. There is no penalty for this, but your tax bill could be a bit higher since what you didn’t spend will be taxable.
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If you’re not on track to use your entire designated allowance, now might be a good time to do that project you’ve been considering.
To do so, simply estimate your total 2023 taxes and compare them to what has been withheld or paid. If you find you haven’t been withholding enough, increase your withholding or make an estimated payment. That way, you will avoid a surprise tax bill in April or an underpayment penalty. 3. Update your tax withholdings for 2024. Now that you’ve double-checked your tax withholding, it’s time to think of the coming year. If you weren’t withholding enough, fill out Form W-4 to increase your tax withholding or increase your quarterly estimated tax payments. If you have calculated that you will get a large refund, you might want to lower withholding so you can use the money throughout the year instead of giving the IRS an interest-free loan. 4. Take your required minimum distribution (RMD). If you’ve already celebrated your 73rd birthday or will do so before 2024 and aren’t still working, then you must start taking money out of your tax-deferred retirement accounts, including your Nazarene 403(b). These are called required minimum distributions (RMD), and the IRS determines how they are calculated. If you don’t take your RMD, the penalty is a hefty 25% of the amount that was supposed to be withdrawn from your account. If you have a traditional IRA, 401(k), 403(b), or similar retirement account, you can use the calculator linked in the QR code to the right to determine how much you need to withdraw by December 31, 2023. Any funds received as housing allowance count toward your RMD amount.
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5. Set your 2024 housing allowance. Speaking of housing allowance, now is the time to set yours for 2024. Consider how inflation and personal life changes have affected your housing expenses and adjust accordingly. I always recommend ministers overestimate and request a higher housing allowance, since there is no penalty for doing so; underestimating means you will be paying taxes unnecessarily. As you enter this busy holiday season, I encourage you to carve out at least half an hour to think about taxes. I’ve listed five actions here you can take to put yourself in a better position tax-wise and possibly save money in the coming year. If you’re really busy and that’s too much to think about, just focus on #5 and you’ll reap immediate benefits. However, if you’re 73 or older, #4 is probably the most important one for you! Amy Artiga is a Certified Financial Planner (CFP) and author of the clergy personal finance blog PastorsWallet.com. Send questions for Amy to benefits@nazarene.org. Note: This material is provided for informational purposes only. The author and NBUSA do not provide tax, legal, or accounting advice.
Use this code to determine the RMD on your 403(b) for 2023.
NBUSA Quarterly
Retire Well
with the Ministers Match from NBUSA
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ur vision at Nazarene Benefits USA is for every Nazarene minister to retire well. However, we have cause for concern, because studies indicate many of our pastors are financially unprepared. The most recent study indicates:
• 59% of lead/senior pastors are not actively saving,1 • 67% of their churches are not helping, and • Most pastors cannot retire before age 73. In response, NBUSA now offers an incentive for ministers and their churches to be more involved and better prepared. It’s called the Ministers Match. NBUSA will match contributions by eligible ministers and/ or their church (local effort) to their Nazarene 403(b) account when the church also pays at least 50% of their NBUSA Fund allocation. The greatest benefit to the local minister occurs when the church pays 100%. This chart shows how the Ministers Match works for a lead pastor or full-time/full-livelihood associate who Local Effort
NBUSA Effort
contributes $5,000 annually to their 403(b) account. If the church also pays 100% of its NBUSA Fund allocation, the pastor receives a match of $2,500 [50% of local effort 403(b) contributions]. As you can see, the amount of the Match is affected by both the amount of local effort and percentage of NBUSA Fund allocation paid. NBUSA is looking forward to a better future for Nazarene pastors who can retire when they are ready rather than having to work additional years due to inadequate savings. This Ministers Match is our attempt to help, and we hope our churches will do the same, but the key to success depends largely on whether each pastor contributes regularly during their active years. It’s important to note that Nazarene Benefits USA serves almost 17,000 active and retired ministers and other church employees with a variety of benefits like the Ministers Match, Basic Pension, life and disability insurance, and benevolence. These benefits are not possible without the faithful support of districts and churches that pay their NBUSA Fund allocation.
NBUSA Fund Paid % Match % Maximum Match $ 100% 90% 80% 70% 60% 50%
50% 45% 40% 35% 30% 25%
$2,500 $2,250 $2,000 $1,750 $1,500 $1,250
Learn more about the Ministers Match by scanning this code or contact us at benefits@nazarene.org or 888.888.4656.
1 Excludes bivocational
SSA Announces Cost of Living Increase for 2024
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he Social Security Administration (SSA) has announced a cost of living adjustment (COLA) of 3.2% for participants and beneficiaries in 2024. On average, Social Security benefits will increase by more than $50 per month. The adjustment begins with payments in January 2024. Winter 2024
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Pressing On
By Daron Brown
The Slow Turn
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t this stage of life, all three of our children are teenagers. I taught my older son to drive, the second one is currently learning, and our daughter will soon be ready. I repeatedly remind them to anticipate what is ahead and to drive defensively. One of the rules of the road is to slow down when taking a turn. Those of us who have driven for years do this instinctively. But, like everything else, new drivers need to learn that the sharper the turn, the slower you need to go. My local church is in the process of relocating. Because a natural disaster destroyed our buildings two years ago, we are moving to higher and drier ground. Additionally, we need more space and accessibility. Our current facilities served us well for nearly eight decades, but they have run their course. The new building is only two miles away. Although the distance is not far, the move is a major milestone. You
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might say my church is making a turn—a sharp one. In fact, it’s the sharpest turn we have ever taken. I confess, I feel inadequate as I lead the congregation through it. I also confess that part of me wants to hit the accelerator and get it behind us. My pastoral instinct, however, cautions me to be deliberate, to take this turn with care.
You might say my church is making a turn—a sharp one. In fact, it’s the sharpest turn we have ever taken. I am aware that a community of faith plus a different facility equals a different community of faith. The “church” is the people, but architecture plays a significant role in shaping us. The size, scope, and layout of our new home will affect us in new ways. The last thing I want to do is give my congregation whiplash. With more than a year to prepare, the staff has been working on sermon series, meaningful events, and logistical steps to ease the transition. We talk about what to anticipate and how to communicate. We imagine ways to make this move deliberately, creatively, theologically, and with liturgical meaning.
NBUSA Quarterly
First, we slow down to remember. For the three months leading to the move, we planned events for the sole purpose of storytelling. We offer thanks for what God has done. We tell stories of the saints who are now part of the cloud of witnesses. We honor the past with our tales, tears, and laughter. Part of remembering is making time for lament. Although people understand the necessity of the move, there will be a measure of loss and grief. We are leaving a sacred space where thousands of sacred events took place. These are not to be taken lightly. Second, we slow down to preach and teach about change. Life in Christ is life in flux. Following Jesus results in changes, large and small. Ironically, church people do not always handle change well, so we anticipate changes and plan for how we will navigate them together. In doing so, we call the church to embrace change because God is using it to transform us. Third, we slow down to articulate those things we do not want to change. This gives us an opportunity to clarify matters that are most important to us. Our foundation in Christ remains the same no matter where we gather. Our DNA runs deep. We will remain genuine, prayerful, missional, healthy, accepting, and
intergenerational. We will continue to cultivate our core values. We will stay attuned to God’s mission, refusing to make the building only a destination. The building will be a sacred space, but sacred spaces are launching pads from which we take the Good News to others. As we name what stays the same, the old and the new are wedded together, the past and future converge in the present moment, and God is with us. There may not be continuity in everything, but there is continuity in what matters most. In Genesis 16, God encountered the runaway Hagar. He called her by name and asked, “Where have you come from and where are you going?”1 It was an appropriate question, and it is appropriate for the church. Where we have been and where we are going matter. And how we handle the transition between them makes a difference. We will make this turn slowly, because we want to make it well. Rev. Daron Brown lives and pastors in Waverly, Tennessee, with his wife, Katie, and children, Kendall, Parker, and Macy. 1 Gen. 16:8 NRSV
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Past to Present
By Stan Ingersol
Who Gave The
Women Defend
F
rom the moment she embraced the preaching of the Word, Mary Lee Cagle knew she would have to defend her decision to claim the pulpit. In the 1890s, women preachers had to stand against the weight of social and religious tradition. Holiness movement folklore eventually contained stories of preaching women who endured malicious gossip and slander. Amanda Coulson endured rabid opposition in Batavia, Arkansas, where it was rumored she had murdered her husband and abandoned her children. In truth, she was childless, and her husband, Rev. D. M. Coulson, was very much alive.1
Lay preacher Donie Mitchum
The experience of other preaching women usually reflected simple prejudice. Dr. M. B. Harris, a deacon in the New Testament Church of Christ in Milan, Tennessee, discovered that his wife would not attend church when the scheduled preacher was female.2 Criticism of their roles generated solidarity among preaching women, and that solidarity strengthened the connectional bonds within early Nazarene parent bodies. Apologies defending her right to preach became an early staple of the female preacher’s repertoire. Apologies took the form of sermons, pamphlets, and books. Mary Cagle’s earliest apology was a sermon at Bluff Springs, Tennessee, in1896 titled “Women Preaching.” She dealt with critical scriptural texts used to oppose
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NBUSA Quarterly
ee This Authority?
d Their Call to Preach female leadership in the church, particularly those from the Pauline corpus. Cagle viewed these as restricted in their application and contrasted them with scriptures of different import, such as the Hebrew prophet Joel’s statement that “your sons and your daughters shall prophesy”—which the apostle Peter, in the most important sermon of his life, declared came to fruition on Pentecost.
Apologies defending her right to preach became an early staple of the female preacher’s repertoire. Egalitarian instincts guided her expositions. To the passage in 1 Timothy which states, “I suffer not a woman to teach or usurp authority over a man,” she denied any reference to relationships in the church; rather, she regarded this as referring to relationships in the family. She extrapolated a further principle: a woman should not take authority over other women, either.3 Cagle’s last apologetic writing is contained in her autobiography, which begins with her childhood struggle over her call and concludes in the final chapter with the sermon “Woman’s Right to Preach.” Unlike autobiographies by male contemporaries, her anecdotal material is given a new dimension by the fact that it is told by a female preacher. Her stories of conversions and remarkable incidents in ministry implicitly verify her overarching claim that she, a woman, had been an effective minister called by God.4 The apologetic task fell on others too. The library of Donie and Balie Mitchum, both lay preachers, contained Phoebe Palmer’s Promise of the Father, a careful defense of woman’s right to preach, and Balie engaged in a spirited debate on the subject in the Milan Exchange, his local newspaper in western Tennessee.5 Winter 2024
Early Nazarene women in a tent revival (l. to r.): musician Trena Platt, and ministers Mary Lee Cagle and E. J. Sheeks.
Donie had a sermon on “The Relation Woman Sustains to the New Testament Church.” She preached it in Bells, Tennessee, in May 1900 and relates: “I was lifted from all bad feelings and was lost in my subject and God.” The following year, with great effect, she used the sermon to overcome prejudice when she went to assist Rev. Ira Russell in a revival: July 21st, 1901, Sunday. Some of the opposers to women preaching were objecting to me holding the service at Cade’s [chapel] last Sunday, quoting the text, “let the women keep silence in the churches etc.” trying to prove that Paul meant women [are] forbidden to preach or hold public services. I told Bro. Russell if he would allow me the privilege I would explain the meaning of that scripture to them & preach on that subject out there. So he made an appointment for me to deliver the talk today at eleven. Quite a number of us went out in a hack. I talked to a large congregation giving them the rights and authority for women preaching, or rather “The relation women sustain to the Church of Jesus Christ.” The Holy Ghost was poured out on us as I talked & gave them God’s word for my arguments. The congregation seemed to melt down & at the close of my discourse quite a number 11
shook my hand (who once opposed the doctrine of women preaching) with tears in their eyes & said “I endorsed your sermon Sr. Mitchum, go on & preach & do all the good you can.”6 In Texas, Annie Fisher’s pamphlet Woman’s Right to Preach was a carefully crafted apology, while Emily Ellyson published Woman’s Sphere in Gospel Service. She was later ordained during the Second General Assembly, along with R. T. Williams. The apogee came with Fannie McDowell Hunter’s Women Preachers (1905), published in Dallas, Texas. Hunter laid out arguments from scripture in the first fifty pages. The second half consisted of the call and service narratives of nine women, including Hunter, Cagle, and Mitchum. Other writers included Johnny Jernigan (later a co-founder of Bethany, Oklahoma), and Lillian Pool, the first Nazarene missionary in Japan.7 On the book’s paper cover, under the title, appear these words: “Who gave thee authority?” Who indeed?
Dwelling with God
Given their Wesleyan-holiness faith, these women had to say with the apostle: “Woe is me if I preach not the gospel.” Dr. Stan Ingersol, Ph.D., is a church historian and former manager of the Nazarene Archives. 1 C. B. Jernigan, Pioneer Days of the Holiness Movement in the Southwest, pp. 332 Donie Mitchum’s Journal, p. 76. Copy in the Nazarene Archives. 3 “Women Preaching,” a MS inscribed: “Sr. Harris preached at Bluff Springs, Oct. 4th, 1896;” in the Donie Adams Mitchum Collection. Mary Lee Cagle was known as Mary Lee Harris at the time she began her ministry. 4 Mary Lee Cagle, Life and Work of Mary Lee Cagle (1928). Her sermon is on pp. 160-176. 5 The Mitchum copy of Phoebe Palmer’s classic work on female ministry is in the Countess Hurd Collection at the library of Trevecca Nazarene University, Nashville, Tennessee. On the newspaper controversy over female ministry, see “As To Women Preachers” in the Milan Exchange (Mar. 27, 1897):5, and “Answers for ‘Sub Rosa’,” ibid.; (Apr. 3, 1897): 5. 6 Donie Mitchum’s Journal, pp. 141, 177-178. 7 Fannie McDowell Hunter, Women Preachers (Dallas: Berachah Press, 1905).
By Mary Rearick Paul
Blessed Are You!
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ne of the people in scripture I like to ponder is Elizabeth. I think we miss something truly inspirational in this woman who may often be seen as only a footnote to the Gospel story. Thanks to Luke, we know a few pertinent details about Elizabeth, including her respected lineage and the fact that her husband, Zechariah, was a priest. We are also told, rather politely, that this couple was “getting on in years” and that Elizabeth was “barren”—this was decidedly less than polite to point out but reflected the way she was
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viewed by others. As such, in her time and place, Elizabeth would have been seen as having little or no value. While I don’t get the feeling Elizabeth accepted these assessments of her worth, she would, nonetheless, have lived under the weight of these perception of others for many years. In the gospel of Luke, we observe Zechariah serving as a priest and presenting the prayers of the people when Gabriel appears and speaks a new promise of a baby to be born as well as the vocational call this child will have to prepare their people for the coming
NBUSA Quarterly
“Elisabeth and Mary Meet” courtesy of Stainedglassinc.com.
Winter 2024
“Blessed are you” moments are opportunities when you name what you see God gifting and doing in the life of another.
Messiah. Zechariah questions Gabriel and is muted for nine months. In those months of forced silence, Zechariah certainly had plenty of time to contemplate Elizabeth’s own experience of being voiceless for so long. The irony surely would not have escaped this priest’s notice. As for Elizabeth, something beautiful happens during her husband’s season of silence—she is given an opportunity to speak, and her voice is true, grace-filled, and a blessing. Elizabeth’s voice arises not just in the promise of new life coming at such an unexpected time but also in the way Zechariah and her community turn towards her to hear what she has to say, perhaps for the first time. Elizabeth’s name means “My God is the one by whom I swear.”1 Both her demeanor and name do not suggest a life that is barren. Furthermore, she is among the rare characters in scripture who are called “righteous in the eyes of the Lord.”2 Her faith, while seemingly unrewarded, has been unshakeable. At the birth of her son, Elizabeth, “full of the Holy Spirit,” proclaims the baby’s name to be John. When the community pushes back, she is insistent. This same holy boldness is seen earlier when she—five months pregnant—encounters Mary. At their first greeting, Elizabeth instantly knows what has happened to Mary, what the angel foretold. As soon as Mary speaks, Elizabeth is filled with the Holy Spirit and exclaims, “Blessed are you among women, and blessed is the child you will bear!... As soon as the sound of your greeting reached my ears, the baby in my womb leaped for joy. Blessed is she who has believed that the Lord would fulfill his promises to her!”3 What an extraordinary gift she gives to her young kinswoman. Up to this encounter, Mary has been on a roller coaster ride of strange happenings, hard conversations, and disbelief. How amazing it must have been to receive Elizabeth’s words of affirmation and blessing.
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Can you imagine the energy and excitement in the room as these two women share this Spirit-filled moment together? Mary’s response is the great song that begins with the words, “My soul magnifies the Lord, and my spirit rejoices in God my Savior, for he has looked on the humble estate of his servant.”4 Together, Mary and Elizabeth affirm the presence and grace of God, and hang out together for three months. That’s a lot of days of calling out the blessings in their lives and the blessings that will be poured out upon the community through their lives. When have the words, “Blessed are you!” or something like them been spoken over you? It is powerful to not only be seen but to have someone outwardly affirm ways in which God is alive in and through you. We see something of our calling in this story— to be a people who call out blessedness when we see the activity of God in another. Sometimes, when life is being born anew, we need someone outside of ourselves to name it, call it out, and give us renewed strength to live into the life God has for us. “Blessed are you” moments are opportunities when you name what you see God gifting and doing in the life of another. I still remember the first person who came up to me after I taught a Bible study and asked, “Have you ever thought of being a pastor?” This not only blessed me but also called out and named something God was doing in me that I hadn’t fully expressed. My prayer is that God would use your voice to encourage someone who is ready to sing a new song that will bless you, the community, and beyond. Dr. Mary Rearick Paul, D.Min, is a minister and vice president of student life and formation at Point Loma Nazarene University. 1 https://www.studylight.org/
3 Luke 1: 42-45
2 Luke 1:6
4 Luke 1:46-55
NBUSA Quarterly
To Your Health
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By Stephen A. Wilson
Vaccinations
t’s that time of year—vaccination time. Vaccines trigger the body’s immune system to create antibodies before a person has the real illness. When the infection strikes, these antibodies are present to help fight off the infection. No vaccine is 100% effective, but they can decrease the risk of contracting the disease and the severity of the illness. As people age, their immune systems change and are not as effective, which is partly why the elderly are more susceptible to cancer, infection, and late-life allergies. Adult vaccines can stimulate and support a waning immune system. Major illnesses for which we should be vaccinated are influenza (flu), COVID, and pneumonia. According to the Centers for Disease Control, in 2022, flu and pneumonia were an underlying or contributing cause for 50,000 to 60,000 deaths—COVID for about 210,000 to 225,000. Today, let’s look at vaccinations for these and other sicknesses and why you may need them this winter. Influenza (Flu) A flu shot is recommended for everyone. It is most beneficial for older people or anyone with chronic illness, such as asthma, lung disease, diabetes, or heart disease. During infections, especially strenuous ones, the heart is taxed and has to work harder. People with heart or coronary artery disease who receive a flu shot are less
Winter 2024
likely to die during flu season than those who do not. Also, flu can result in pneumonia, which is usually the cause of flu-related deaths. Current inactivated flu vaccines cannot cause the flu. The flu is not a bad cold; colds are different illnesses caused by different viruses. Cold viruses can result in nagging, uncomfortable symptoms like cough, congestion, runny nose, and low-grade fever. Flu can cause high temperatures, muscle and joint aches, and may lead to pneumonia in some. The confusion between cold and flu is amplified because the time of year the vaccine is given coincides with when people are prone to get colds. Some people get a cold within a few days of receiving the vaccine, mistake it for flu, and think the flu shot caused it. It is true that after receiving the vaccine, some people get side effects of pain at the injection site, achiness, malaise, or even have a low-grade fever, but this is their immune system at work. These symptoms usually resolve within 24 hours. Pneumonia The vaccine PCV20 decreases the risk of hospitalization from pneumonia and is recommended for all adults over 65 and those between 19 and 64 years with high-risk medical conditions. The most common side effect is pain at the site of inoculation. 15
COVID Time for a booster! The new vaccine is bivalent and protects against more and different COVID types than the original. There was hope that the first version would be a one-and-done vaccine; however, as the virus mutates, the vaccine is being adjusted to expand protection. The good news is that mutations seem to have led to a less virulent virus than the original; however, COVID still increases the risk of hospitalization and death for at-risk people who catch it, so getting a booster is a good precaution.
COVID still increases the risk of hospitalization and death for at-risk people who catch it, so getting a booster is a good precaution. Tetanus, Diphtheria, and Pertussis (Tdap) Tdap vaccine, which protects people from tetanus, diphtheria, and pertussis (whooping cough), is recommended every 10 years. The “a” in Tdap is for acellular pertussis, which means it is not a tiny amount of real pertussis being injected.
Tetanus causes lockjaw. With proper treatment, most people recover, but it’s a risk that can be avoided with a vaccination. While diphtheria and pertussis can make adults sick, pertussis can result in what has been called a post-viral “100-day cough.” A big value in Tdap is that it protects newborns from these viruses which can kill them with their less mature respiratory and immune systems. Shingles Shingrix, for herpes zoster virus, is recommended for people over 50 years of age and covered under Medicare Part D drug benefits. It involves two injections separated by two to six months. There are about 1 million cases of shingles in the USA annually, with each person having a 30% lifetime risk of contracting the painful disease. It can occur at any time, but is more likely during times of stress or with advancing age. Shingles is the reactivation of the herpes virus that causes chickenpox. This vaccination’s value is that it decreases the chance of developing postherpetic neuralgia (PHN), a remarkably painful syndrome that occurs in 20% of people after the rash resolves. This pain can be debilitating, affect function, and sometime defies treatment.
Watch for Tax Helps from NBUSA—Coming Soon!
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ith the beginning of the new year, thoughts turn to April and filing taxes for the year just past (the 2024 deadline for filing is Monday, April 15). Be sure to visit nbusa.org starting in January for information and resources to assist you.
At nbusa.org, you’ll also find our tax and compensation memos. These are reviewed annually by an independent CPA firm for accuracy and can help ministers minimize taxes and better understand IRS regulations that apply to them.
These will include The Minister’s Tax & Financial Guide from the Evangelical Council for Financial Accountability (ECFA), which offers step-by-step instructions to guide ministers through returns and forms needed for tax filing. It also covers topics like determining housing allowance and includes completed sample forms.
We also encourage you to visit pastorswallet.com, the website of Amy Artiga, author of our Sensible Stewardship column (read “Year-End Tax Planning for Pastors” on page 5).
For church treasurers, there’s the ECFA’s Church & Nonprofit Tax & Financial Guide. This manual explains IRS regulations that might be tricky and highlights forms churches are required to file. 16
Visit nbusa.org or our Facebook page often for updates on practical information that helps you as a pastor or treasurer. If you have specific questions about taxes, compensation, retirement, insurance, or similar topics, contact us at benefits@nazarene.org or 888.888.4656. NBUSA Quarterly
Respiratory Syncytial Virus (RSV) The newcomer to the adult vaccine list was previously given to premature babies to decrease the risk of them developing RSV pneumonia, thus decreasing their chances of dying. RSV causes about 60,000 to160,000 hospitalizations and 6,000 to 10,000 deaths annually in adults 65 years and older. Recent studies found that RSV vaccine in people 60 years and older decreases their risk of pneumonia, hospitalizations, and death, preventing one case of RSV for every 375 people vaccinated. Managing Risk and Benefits Whether it’s seatbelts, adherence with medications, exercising regularly, getting cancer screenings, wearing a helmet while motorcycling, or looking both ways before crossing the street, maintaining good health involves managing risk and benefits. Health is a part of life. Vaccines can tilt the odds in favor of those who receive them, for some a little, for others a lot more. I recommend all these vaccines to most of my adult patients, with special attention to those at higher risk for developing the diseases and either dying or becoming debilitated by them. For an average person, priorities might include influenza and COVID, then pneumonia and Tdap, then shingles and RSV. An individual’s health and medication history could result in a different prioritization. Also, there are rare individuals with special allergies or who are taking certain medications for whom risk may outweigh benefits for some vaccines, so each person should consult their family physician. For most people, however, the benefits of being vaccinated outweigh the risk. Dr. Stephen A. Wilson, MD, MPH, FAAFP, is Chair of Family Medicine at Boston University Chobanian and Avedisian School of Medicine and Chief of Family Medicine for Boston Medical Center.
Winter 2024
Special Anniversaries Dates for this column come from pension applications. Records are not updated unless NBUSA is notified of changes in marital status, such as the death of a spouse. 70th Anniversaries Rev. Eugene S. and Mrs. Merrilee Morrell . . . . . . . Jan. 2 19660 Hiller Dr, Bend, OR 97702-9028 Rev. Russell T. and Mrs. Rose M. Powell . . . . . . . Feb. 20 524 Greenbrier Dr, Richmond, IN 47374-3613
65th Anniversaries Rev. Jim E. and Mrs. Shirley Martin . . . . . . . . . . . Mar. 7 2730 S Saint Louis Ave, Joplin, MO 64804-2955 Rev. Pablo and Rev. Aurea Muniz . . . . . . . . . . . . Jan. 2 224 N 37th St, Pennsauken, NJ 08110-2208 Rev. Nillia J. and Mrs. Shirley J. Noyes . . . . . . . . Mar. 28 17045 Peach Ln, Noblesville, IN 46062-8565 Rev. Francisco and Mrs. Rebeca Rodriguez . . . . .Jan. 25 210 W 9th St, Yuma, AZ 85364-3918 Rev. Rafael and Mrs. Manuela Rosa . . . . . . . . . Mar. 20 16769 E Barger Ct, Harlingen, TX 78552-0071 Rev. Ronny D. and Mrs. Charita R. Van Wey . . . . . Jan. 1 580 2nd Ave N Apt 7, Carrington, ND 58421-1437
60th Anniversaries Rev. Gale M. and Mrs. Barbara A. Ashby . . . . . . . Feb. 16 2200 Greentree N Apt 2221, Clarksville, IN 47129-8969 Rev. James P. and Mrs. Christinia Blue . . . . . . . .Feb. 21 402 S Main St, Georgetown, IL 61846-1827 Rev. Lawrence L. and Mrs. Marcia L. Brewer . . . . Mar. 9 1616 S Main St Apt 203, North Canton, OH 44709-1088 Rev. Jimmy Dell and Mrs. Judy Delbridge . . . . . .Feb. 21 4802 E Mitchell Dr, Phoenix, AZ 85018-5533 Rev. Alva E. and Mrs. Elaine M. Dotson . . . . . . . .Feb. 28 5045 Forest Crest Dr, Lakeland, FL 33810-3055 Rev. James L. and Mrs. Carol Dozier . . . . . . . . . Mar. 22 141 Glenwood Dr, Rock Hill, SC 29732-3419 Rev. H. Robert and Mrs. Annie E. Flick . . . . . . . . Feb. 28 433 Beaver Dam Rd, Butler, PA 16001-9719
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Rev. Brenda J. and Mr. Larry W. Gibson . . . . . . . Mar. 12 4 Fareham Ln, Bella Vista, AR 72715-6206 Rev. Terry L. and Mrs. Laquita E. Jones . . . . . . . Mar. 29 530 S Pleasant View Dr, Mustang, OK 73064-1118 Rev. Douglas E. and Mrs. Marlene B. Kugler . . . . Feb. 28 18215 N Tree Farm Ln, Hayden, ID 83835-9080 Rev. Shirley J. and Mr. Johnny Mahan . . . . . . . . Feb. 28 250 E Miller Rd, Mansfield, MO 65704-8165 Rev. Claude J. and Rev. Sandra M. Sisler . . . . . . Mar. 21 520 Penlawn Dr, Howard, OH 43028-9535 Rev. Edwin A. and Mrs. Karen Spangler . . . . . . . . Jan. 4 39233 County Road 72, Flushing, OH 43977-9761
55th Anniversaries Rev. Larry D. and Mrs. Kitty Adams . . . . . . . . . . . . Jan. 3 4031 Neptune Dr, Oklahoma City, OK 73116-1659 Rev. Vonzella M. and Mr. Wardell Askew . . . . . . Feb. 12 1156 Shadowline Dr, Memphis, TN 38109-4972 Rev. Susan E. and Mr. Franklin Brewsaugh . . . . . Jan. 25 PO Box 622, Cornville, AZ 86325-0622 Rev. Donald E. and Mrs. Cheryl L. Cox . . . . . . . . Jan. 18 12018 10th Ave E, Bradenton, FL 34212-2784 Rev. James R. and Mrs. Diane S. Geldhof . . . . . . Jan. 10 3436 Hillcrest Way, Zeeland, MI 49464-9684 Rev. Luella M. and Mr. Arthur Gilroy . . . . . . . . . Mar. 15 6400 McGuire Rd, Fenton, MI 48430-9041 Dr. Steven R. and Mrs. Cathy L. Grosvenor . . . . . Mar. 7 627 Mallard Dr, Etters, PA 17319-8842 Rev. James D. and Mrs. Teresa K. Kelley . . . . . . . Mar. 1 296 Westwood Ave, Bowling Green, KY 42103-9032 Rev. Larry V. and Mrs. Murphy M. McDaniel . . . . Mar. 15 4086 Highway 48, Atwood, OK 74827-9722 Rev. Kenneth F. and Mrs. Linda S. Miller . . . . . . . Feb. 8 700 Newark Rd, Mount Vernon, OH 43050-4518 Rev. Wesley G. and Mrs. Linda L. Mills . . . . . . . . Jan. 18 347 N Cleveland Ave, Bradley, IL 60915-1513 Rev. Stephen D. and Mrs. Karen Rutherford . . . . Jan. 17 203 Unaka St, Greeneville, TN 37743-5713 Rev. Kathy J. and Mr. Wayland Wheeler . . . . . . . Jan. 25 11017 NW 106th Cir, Yukon, OK 73099-8078 Rev. Kenneth P. and Mrs. Joyce Yocom . . . . . . . Mar. 16 1400 E Cimarron Rd, Hobbs, NM 88240-3136
50th Anniversaries Rev. Pedro C. and Mrs. Berta Aguilar . . . . . . . . . . Mar. 3 2952 N Kildare Ave, Chicago, IL 60641-5343 Rev. Deborah D. and Mr. Walter E. Binggeli . . . . Mar. 17 10834 Tonibar St, Norwalk, CA 90650-3547 Rev. Talbott S. and Mrs. Cheryl Denny . . . . . . . Mar. 23 12020 Poplar Meadow Ln, Knoxville, TN 37932-3489 Dr. Ronald R. and Mrs. Judy Anne Galloway . . . . Mar. 15 207 W Sheridan Ave, Nampa, ID 83686-2716 Dr. David W. and Mrs. Sharon L. Graves . . . . . . . Jan. 11 15954 S Mur Len Rd # 337, Olathe, KS 66062-8300 18
Rev. Michael M. and Mrs. Rebecca S. Hancock . . . Jan. 5 1119 Union Rd, Xenia, OH 45385-7217 Dr. Richard C. and Mrs. Brenda J. Keeley . . . . . . .Feb. 23 962 McCloud Loop, Anna, IL 62906-3697 Rev. David R. and Mrs. Rose E. Lanicek . . . . . . . Mar. 23 1601 Willow Oak Dr, Longview, TX 75601-3840 Dr. Larry W. and Dr. Gay L. Leonard . . . . . . . . . Mar. 15 16237 Innerarity Point Rd, Pensacola, FL 32507-8375 Rev. Cheryl S. and Mr. Guy E. Norris . . . . . . . . . Mar. 16 44559 Neuhart Rd, Woodsfield, OH 43793-9373 Rev. Andrew J. and Mrs. Carol Paton . . . . . . . . . . Feb. 9 77 Prince William Ct, La Porte, IN 46350-3589 Rev. Douglas R. and Mrs. Rebecca L. Pierce . . . . Mar. 22 901 S Alma School Rd Apt 21, Chandler, AZ 85224-0905 Rev. Ellis L. and Rev. Judith C. Sedlacek . . . . . . . Feb. 1 330 S Stoneridge St, Valley Center, KS 67147-4734 Rev. Rob D. and Rev. Deborah S. Songer . . . . . . Mar. 30 8315 Crawford Bay Ct, Bakersfield, CA 93312-6214 Rev. Darlene F. and Mr. George R. Taylor . . . . . . Mar. 23 872 Edgehill Dr, Logan, OH 43138-9298 Rev. Fern E. and Mr. Bruce D. Woodruff . . . . . . . Mar. 15 3 Justin Cir, Londonderry, NH 03053-2531
Church Triumphant Church Triumphant lists credentialed Nazarene ministers or spouses who were receiving benefits provided by NBUSA at the time of death. Rev. Edwin M. Abla . . . . . . . . . . . . . . . . October 24, 2023 Decatur, Illinois . . . . . . . . . . . . . . . . . . . . . . . . . . . age 84 Rev. Michael L. Anderson . . . . . . . . . . September 8, 2023 Kent, Washington . . . . . . . . . . . . . . . . . . . . . . . . . age 54 Mrs. Lori J. Asbury . . . . . . . . . . . . . . . . . October 1, 2023 Washington, Iowa . . . . . . . . . . . . . . . . . . . . . . . . . age 70 Mrs. Wilda Aubrey . . . . . . . . . . . . . . . September 30, 2023 Bethany, Oklahoma . . . . . . . . . . . . . . . . . . . . . . . . age 93 Rev. Jerry R. Boggs . . . . . . . . . . . . . . . . October 24, 2023 Ironton, Ohio . . . . . . . . . . . . . . . . . . . . . . . . . . . . age 77 Mrs. Jane Bowers . . . . . . . . . . . . . . . . . October 23, 2023 Fort Worth, Texas . . . . . . . . . . . . . . . . . . . . . . . . . . age 79 NBUSA Quarterly
Mrs. Louise J. Brown . . . . . . . . . . . . . September 25, 2023 Aransas Pass, Texas . . . . . . . . . . . . . . . . . . . . . . . . age 89 Rev. Phillip R. Bumpers . . . . . . . . . . . . . October 14, 2023 Grenada, Mississippi . . . . . . . . . . . . . . . . . . . . . . . . age 76 Rev. Donnis P. Burris . . . . . . . . . . . . . . . October 13, 2023 Cincinnati, Ohio . . . . . . . . . . . . . . . . . . . . . . . . . . age 96 Rev. Theon Burt . . . . . . . . . . . . . . . . . September 25, 2023 O’Brien, Florida . . . . . . . . . . . . . . . . . . . . . . . . . . . age 92 Rev. Larry L. Cale . . . . . . . . . . . . . . . . . . October 13, 2023 Logan, West Virginia . . . . . . . . . . . . . . . . . . . . . . . age 72 Rev. Andy Combs . . . . . . . . . . . . . . . . . . October 9, 2023 Chicago, Illinois . . . . . . . . . . . . . . . . . . . . . . . . . . . age 67 Rev. James E. Craft Sr. . . . . . . . . . . . . . . October 19, 2023 Thomaston, Georgia . . . . . . . . . . . . . . . . . . . . . . . age 88 Mr. Rex Crumrine . . . . . . . . . . . . . . . . September 6, 2023 Yakima, Washington . . . . . . . . . . . . . . . . . . . . . . . age 77 Mrs. Mary DePasquale . . . . . . . . . . . . September 6, 2023 Helena, Montana . . . . . . . . . . . . . . . . . . . . . . . . . . age 91
Mrs. Edna Karnes . . . . . . . . . . . . . . . . . October 27, 2023 Columbia, Kentucky . . . . . . . . . . . . . . . . . . . . . . . . age 78 Rev. Daniel W. Keeton . . . . . . . . . . . . . . . October 3, 2023 Garden Grove, California . . . . . . . . . . . . . . . . . . . . age 60 Rev. Jerry R. Kester . . . . . . . . . . . . . . . . October 13, 2023 Olympia, Washington . . . . . . . . . . . . . . . . . . . . . . age 69 Dr. Clarence J. Kinzler . . . . . . . . . . . . . . October 15, 2023 Nampa, Idaho . . . . . . . . . . . . . . . . . . . . . . . . . . . . age 88 Rev. E. Fred Klittich . . . . . . . . . . . . . . . . October 18, 2023 Bow, New Hampshire . . . . . . . . . . . . . . . . . . . . . . . age 81 Rev. Mary J. Lavender . . . . . . . . . . . . September 18, 2023 Syracuse, Ohio . . . . . . . . . . . . . . . . . . . . . . . . . . . . age 81 Rev. Charlie Long Jr. . . . . . . . . . . . . . . September 8, 2023 Leupp, Arizona . . . . . . . . . . . . . . . . . . . . . . . . . . . age 89 Mrs. Betty R. Marshall . . . . . . . . . . . . . . October 14, 2023 Richmond, Kentucky . . . . . . . . . . . . . . . . . . . . . . . age 63 Mrs. Estella R. McVey . . . . . . . . . . . . . . . October 21, 2023 Fond du Lac, Wisconsin . . . . . . . . . . . . . . . . . . . . . age 101
Mrs. Debra Derrick . . . . . . . . . . . . . . . September 1, 2023 Sparks, Nevada . . . . . . . . . . . . . . . . . . . . . . . . . . . age 64 Mrs. Joan Dodds . . . . . . . . . . . . . . . . . . October 17, 2023 Saint Marys, Ohio . . . . . . . . . . . . . . . . . . . . . . . . . . age 87 Mrs. Sharon J. Estus . . . . . . . . . . . . . September 18, 2023 Jasper, Alabama . . . . . . . . . . . . . . . . . . . . . . . . . . age 58 Rev. John H. Faircloth . . . . . . . . . . . . September 15, 2023 Warner Robins, Georgia . . . . . . . . . . . . . . . . . . . . . age 85 Mrs. Mary Florence . . . . . . . . . . . . . . September 15, 2023 Powell, Ohio . . . . . . . . . . . . . . . . . . . . . . . . . . . . age 102 Rev. John G. Forster . . . . . . . . . . . . . . . October 27, 2023 Fairbanks, Alaska . . . . . . . . . . . . . . . . . . . . . . . . . age 80 Rev. Richard G. Forsythe . . . . . . . . . . September 15, 2023 Rockford, Michigan . . . . . . . . . . . . . . . . . . . . . . . . age 88 Mrs. Patsy R. Freeland . . . . . . . . . . . . . October 23, 2023 Salem, Indiana . . . . . . . . . . . . . . . . . . . . . . . . . . . age 89 Rev. Robert F. Gaut . . . . . . . . . . . . . . September 27, 2023 Olathe, Kansas . . . . . . . . . . . . . . . . . . . . . . . . . . . age 94 Mrs. Martha L. Grabke . . . . . . . . . . . . . October 18, 2023 Braintree, Massachusetts . . . . . . . . . . . . . . . . . . . . . age 81 Mrs. Bernice Hada . . . . . . . . . . . . . . . September 13, 2023 Drumright, Oklahoma . . . . . . . . . . . . . . . . . . . . . . age 85 Dr. Roger L. Hahn . . . . . . . . . . . . . . . . . . October 6, 2023 Spring Hill, Kansas . . . . . . . . . . . . . . . . . . . . . . . . . age 73 Rev. Michael D. Havens . . . . . . . . . . . September 20, 2023 Auburn, California . . . . . . . . . . . . . . . . . . . . . . . . . age 68 Rev. Byron R. Hissom Sr. . . . . . . . . . . . . October 15, 2023 Charleston, West Virginia . . . . . . . . . . . . . . . . . . . . age 88 Mrs. Barbara Hudspeth . . . . . . . . . . . September 12, 2023 Port Saint Joe, Florida . . . . . . . . . . . . . . . . . . . . . . . age 87 Mrs. Janet Huff . . . . . . . . . . . . . . . . . . September 7, 2023 Hillsboro, Texas . . . . . . . . . . . . . . . . . . . . . . . . . . . age 85 Rev. Kenneth E. Huffman . . . . . . . . . . . . October 14, 2023 Summerville, South Carolina . . . . . . . . . . . . . . . . . . age 94 Mrs. Grace Jin . . . . . . . . . . . . . . . . . . September 16, 2023 Hawthorne, California . . . . . . . . . . . . . . . . . . . . . . age 60
Mrs. Dolores Miller . . . . . . . . . . . . . . . . October 23, 2023 Moorpark, California . . . . . . . . . . . . . . . . . . . . . . . age 93 Mrs. Naomi Miller . . . . . . . . . . . . . . . September 13, 2023 Albany, Oregon . . . . . . . . . . . . . . . . . . . . . . . . . . . age 82 Mrs. Patricia Moore . . . . . . . . . . . . . . September 4, 2023 Montrose, Iowa . . . . . . . . . . . . . . . . . . . . . . . . . . . age 89 Mrs. Teresa Moreno . . . . . . . . . . . . . . . . October 1, 2023 Raytown, Missouri . . . . . . . . . . . . . . . . . . . . . . . . . age 75 Rev. Lawrence D. Oelger . . . . . . . . . . . . October 15, 2023 Pleasant Hill, Missouri . . . . . . . . . . . . . . . . . . . . . . . age 82 Mrs. Helen Radcliffe . . . . . . . . . . . . . September 16, 2023 Mount Vernon, Ohio . . . . . . . . . . . . . . . . . . . . . . . . age 91 Mrs. Christiana L. Pickens . . . . . . . . . . November 8, 2023 Olathe, Kansas. . . . . . . . . . . . . . . . . . . . . . . . . . . . age 78 Mrs. Carol E. Robinson . . . . . . . . . . . September 30, 2023 Davenport, Florida . . . . . . . . . . . . . . . . . . . . . . . . . age 78 Rev. Michael J. Sapp . . . . . . . . . . . . . . . October 20, 2023 Temple Texas . . . . . . . . . . . . . . . . . . . . . . . . . . . . age 72 Rev. Paul Soto . . . . . . . . . . . . . . . . . . . . October 21, 2023 Yuma, Arizona . . . . . . . . . . . . . . . . . . . . . . . . . . . age 85 Rev. E. Dale Taylor . . . . . . . . . . . . . . . September 15, 2023 Fayetteville, Georgia . . . . . . . . . . . . . . . . . . . . . . . age 73 Rev. Robert J. Terry . . . . . . . . . . . . . . . . . October 9, 2023 Ozark, Arkansas . . . . . . . . . . . . . . . . . . . . . . . . . . . age 92 Mrs. Dixie L. Topliff . . . . . . . . . . . . . . . . October 14, 2023 Mountain View, Hawaii . . . . . . . . . . . . . . . . . . . . . age 94 Mrs. Mildred Tucker . . . . . . . . . . . . . . . . October 6, 2023 Sevierville, Tennessee . . . . . . . . . . . . . . . . . . . . . . . age 92 Rev. Daniel E. Wheelock . . . . . . . . . . . . October 26, 2023 Cutler Bay, Florida . . . . . . . . . . . . . . . . . . . . . . . . . age 79 Rev. Herbert M. White . . . . . . . . . . . . . October 26, 2023 Old Orchard Beach, Maine . . . . . . . . . . . . . . . . . . . . age 92 Mrs. Anita Witte . . . . . . . . . . . . . . . . . . October 15, 2023 Sun City, Arizona . . . . . . . . . . . . . . . . . . . . . . . . . . age 80 Mrs. Lela M. Zehrt . . . . . . . . . . . . . . . September 27, 2023 Solon, Iowa . . . . . . . . . . . . . . . . . . . . . . . . . . . . . age 95
Winter 2024
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