Volume 32, Number 11
November 2020
In November & Inside
Texas Tech Football Nov. 7 TCU in Fort Worth Nov. 14 Baylor in Lubbock Nov. 21 Open date Nov. 28 Oklahoma State ........................... in Stillwater Dec. 5 Kansas in Lubbock 1st Daylight Saving Time ends 1st All Saints Day 2nd-7th Women’s Club Virtual Auction ....... Page 16 rd 3 Election Day 5th Women’s Club Christmas Bazaar .... Page 15 6th First Friday Art Trail 11th Veterans Day 26th Thanksgiving Day Be a Santa to a Senior ..... Page 2 Feed a Friend: Easy as Pie Page 1 Fall & winter irrigation restrictions ................ Page 3 New Neighbors, Nov. 13 . Page 22 Medicare open enrollment continues through Dec. 7.. Page 6 Hospice & Palliative Care Month Alzheimer’s Awareness Month National Caregivers Month Coming in December Carol of Lights – Dec. 1
24 Pages
Lubbock, Texas 79401
It’s as Easy as Pie Lubbock Meals on Wheels’ fall fundraiser, Feed a Friend…It’s as Easy as Pie!, is set for Nov. 13 to 22, at all Lubbock Amigos, Market Streets, and United Supermarkets. Donate $5 to receive a coupon for a Mrs. Smith’s pie (Very Berry, Cherry, Apple, Dutch Apple, Pumpkin, and Peach). It’s as easy as… telling your checker to add $5 to your total when you get your groceries. If you are using the self-check option, a scan card will allow you to donate, then the attendant will give you your coupon(s). Coupons will expire on Dec. 6. Just like many other things in 2020, Easy as Pie will be different this year. In an effort to keep everyone safe and healthy, Lubbock Meals on Wheels will not have volunteers located in the stores this year. Donations can also be given at the customer service counter. You can also donate at the Lubbock Meals on Wheels’ office and receive Mrs. Smith’s coupons. Coupons are redeemable at any Lubbock Amigos, Market Street, or United. All proceeds benefit Lubbock Meals on Wheels, and help people remain at home, well fed, and independent. The event kicks off with a celebrity pie eating contest at noon Nov. 13, at the United on 128th & Indiana. If you would like to volunteer to take coupons to your service club, church, office, or any other place, call the Meals on Wheels office, 792-7971.
Be a Santa to a Senior -Make someone’s holiday season very special. See story on Page 2 for details.
Meal delivery volunteers needed More meals to serve and more routes to drive. Lubbock Meals on Wheels added two additional routes to its hot meal delivery in October. That totals 890 clients and 66 routes in Lubbock and 2 in Wolfforth. Deliveries are made between 10:45 a.m. and 12:30 p.m. on weekdays. Volunteers are always welcome and needed - especially now. It is not necessary to commit to a regular schedule, and sign-up is online and easy at lubbockmealsonwheels.org/volunteer/. If you can volunteer, call 806-792-7971.
Vote on Election Day – Nov. 3 Voter ID required VoteTexas.gov: a website devoted to keeping voters informed.
Page 2 • November 2020 • Golden Gazette
Be a Santa to a Senior Program finds new ways to spread cheer
At a time when it may be more important than ever, Home Instead’s seasonal favorite, Be A Santa to a Senior returns stronger than ever with new options. Program coordinators evaluated the holiday program and made adjustments with the safety of donors, seniors and volunteers in mind. There are three ways to help Lubbock seniors this year – Visit BeASantatoaSenior.com and enter the zip code to view wish lists for local seniors on
1.
3.
Monetary donations Amazon. A personalized can be submitted greeting can be included with the gift which will be through the Home Instead shipped directly to the senior Foundation which will be or to Home Instead where it used to purchase unfulfilled gift requests and to stock the Adult Protective Services’ Silver Star Room with items that helps seniors in need. With Lubbock seniors more isolated than ever because of conwill be safely delivered to cerns due to the virus, this year, for the first time in the the senior. Home Instead and program’s 17-year history, the Silver Star Room Home Instead is teaming up will be collecting necessities, with Amazon Business, to With the safety of donors, seniors and volunteers in mind, including cleaning supplies, create a contactless gift-giv- the Be a Santa to a Senior program has new options for hygiene items, pantry items, ing experience for volunteers spreading holiday cheer via a partnership with Amazon. and recipients. blankets and socks. The new Amazon Busi- tizing the safety and wellness ness partnership will provide of all who are involved. “The Be a Santa to a Sethe same holiday cheer to lo(See Program relies, Page 3) 2431 S. Loop 289 cal seniors while also priori-
2.
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Golden Gazette • November 2020 • Page 3
Irrigation restrictions for fall & winter Boomer Benefits Made Easy The City’s annual fall and winter irrigation restrictions will continue through March 31, 2021. Year round irrigation restrictions reduce the peak demand on the water system. Irrigation restrictions during the fall and winter conserve water and minimize hazardous road conditions during freezing weather. Irrigation time of day • On your scheduled watering days, irrigation is only allowed when temperatures are above 35 degrees Fahrenheit Other year-round restrictions • Irrigate landscape only during your two assigned days per week • Irrigation schedules are based on the last digit of the house address: Addresses ending in 0, 3, 4, or 9 – Monday and Thursday Addresses ending in 1, 5, or 6 – Tuesday and Friday Addresses ending in 2, 7, or 8 – Wednesday and Saturday
• Irrigate landscape without runoff • Do not irrigate during precipitation events • Hand watering is allowed any time of day and on any day of the week Winter irrigation tips • Winterize your irrigation system and equipment before the first freeze to prevent leaks and costly repairs • Install rain and freeze sensors to prevent your irrigation system from running when temperatures drop below freezing
• Insulate irrigation and any above ground pipes, valves, draining pipes and backflow preventers • Insulate pipes under your pier and beam home If you need assistance, contact a licensed irrigator or plumber for assistance to winterize your home. “All of the City’s water conservation measures assist in delaying costly water supply projects which saves our customers money in the long-term,” said Director of Water Utilities Aubrey Spear. “The City of Lubbock commends its customers for the significant amount of water that has been conserved over the past decade. “We ask that all residents and businesses continue to be considerate and efficient with their water usage in an effort to conserve water and reduce overall demand so we can preserve our water supplies for many decades to come. Effective water conservation is a long-term continuous effort.”
Program relies on local support (Continued from Page 2)
nior program brings so much joy to seniors in our community,” said Tracy Baugh, owner of the Lubbock Home Instead office. “Seniors are especially at risk for the feelings of isolation that we’ve all felt at some point during the pandemic, and a simple gift can show them that they have been thought of, which
is more important this year than ever.” Be a Santa to a Senior relies on the support of the local community and volunteers, as well as area businesses, nonprofit organizations, and retailers. This year Home Instead has partnered with Adult Protective Services and the Silver Star Room. “We need the commu-
nity’s help more than ever to make sure seniors feel connected this year,” Baugh said. “This year we knew we had to find a way to spread holiday cheer to seniors, and we are grateful for the community’s participation.” For more information about the program, visit BeaSantatoaSenior.com or call 806-281-4663.
Educator turned agent who loves to help others.
Jason Dear
Give me a call at 806-787-3571
What a difference your lunch hour can make! Once a week, or once a month, use your lunch hour to deliver a hot, nutritious meal to someone who is homebound.
You will make their day, and they will make yours. Call
806-792-7971 for more info.
Lubbock Meals on Wheels www.LubbockMealsOnWheels.org
Page 4 • November 2020 • Golden Gazette
“It’s De Wolfman, Baybeee!!!” He couldn’t shapeshift into a wolf, and his real name wasn’t Jack. In fact, when he was born in 1938, Wolfman Jack was known back then simply as Bob Smith from Brooklyn. Smith, who grew up entranced by radio personalities, wanted to “deejay” for a living. In doing so, he quickly realized that he would need a unique persona and style to make his mark in an overcrowded and competitive field. Thus, he spent countless hours mimicking the patter of black radio hosts who spun the day’s coolest discs while apparently having a blast on the air. Brooklynite Bob started his career in the early 1960s when he signed on with WYOU-AM in Newport News, Virginia. Enchanted listeners became convinced that they were grooving with a black
hepcat by the name of “Daddy Jules.” His next move took him to KCIJ-AM in Shreveport, Louisiana, where he called himself Big Smith with the Records. It was here that the horror-movie-loving personality created his Wolfman Jack character, which featured black argot and rapid-fire, offbeat (and often racy) gobbledygook. His nationwide popularity, though, wouldn’t transpire until he went to work for XERF-AM in northern Mexico. At 250,000 powerful watts—five times the limit set in America—the justover-the-Texas border signal blasted throughout the southern American landscape each
night, the Wolfman’s raspy delivery, eerie howls, and demented schtick often fueled by unfiltered cigarettes and throat-searing whiskey. His rapt listeners dug the day’s grooviest platters amid spiels for everything from diet pills (made of sugar) to religious tracts to medical “cures.” In the studio, Wolfman was said to act every bit as “off the wall” as he sounded, his face contorting, his eyes bulging, and his hands waving as he howled and growled his way through each shift.
Returning to the States, he drifted from station to station for years. Along the way, many listeners found themselves wondering: just what does this guy actually look like? (The Wolfman felt that not being seen added to his mystique.) Eventually several Kansas City college students offered him enough serious cash for an in-person appearance. He reluctantly agreed, insisting that first his payment—all in $20 bills—be brought to his house via a Brinks truck. Later, after he arrived at the designated venue in a limousine, he strolled onstage exhibiting prosthetic rubber cheeks, foot-long fingernails, a flowing cape, and oversized sunglasses. (He
recalled later that he looked “real Neanderthal.”) Wolfman Jack portrayed himself in the 1973 film “American Graffiti,” where millions of viewers could finally connect a face to the voice. His appearance in George Lucas’s movie led to Wolfman TV commercials for acne cream, bathing suits, stereos, and fast-food burgers. By 1974, he was cohosting NBC-TV’s rockoriented Midnight Special; in that same year, “Clap for the Wolfman” gave Canadian rockers Guess Who their final Top 10 single. He wrote his autobiography—Have Mercy!: Confessions of the Original Rock ‘n’ Roll Animal—shortly before dying of a heart attack in 1995. The Wolfman was 57 years old.
May we ask a favor of you? Please shop small. Shop with local small businesses. For many small businesses, it’s now or never. We’re counting on you! THIS MESSAGE BROUGHT TO YOU BY WORD PUBLICATIONS, A LUBBOCK SMALL BUSINESS SINCE 1972.
Golden Gazette • November 2020 • Page 5
Top 20 Under 40 announced The Lubbock Chamber of Commerce and the Young Professionals of Lubbock are announcing this year’s Top Twenty Under Forty award recipients. • Isaac Aguilar | Parkhill • Dr. Gabriela Ashworth | Texas Tech University Health Sciences Center • Travis Barnett | Centerline Engineering and Consulting • Kelly Davila | South Plains Association of Governments • Abby Dye | City of Lubbock • Megan Estrada | Hub City Outreach Center • Cristian Garcia | Saint Francis Ministries • John Garcia | JSA Architects • Emily Guy | Texas Tech University System • Chase Head | BASF / West Sage Realtors and Consultants • Dr. Sameer Islam | UMC Health System • Delia O’Steen | ROI Talent Development • Dr. Andrea Parker | StarCare Specialty Health System • Stephanie Pruitt | Texas Corn Producers • Nick Reid | Marsh & McLennan Agency • Leticia Saiid | CoNetrix • Jessica Terrell | Happy State Bank • David Vaughn | Western Bank • Jaime Wheeler | Open Door • Jennifer Wilson | Texas Tech University • Samuel Wyatt | Parkhill For more information about the Young Professionals of Lubbock, visit www.yplubbock.org.
Page 6• November 2020 • Golden Gazette
Medicare Open Enrollment continues through Dec. 7 Fall Open Enrollment runs from Oct. 15 through Dec. 7 each year. During this time, you can make changes to your health insurance coverage, including adding, dropping, or changing your Medicare coverage. Even if you are happy with your current health and drug coverage, Fall Open Enrollment is the time to review what you have, compare it with other options, and make sure that your current coverage still meets your needs for the coming year. You can make as many changes as you need to your Medicare coverage during Fall Open Enrollment. The changes you can make include: • Joining a new Medicare
Advantage Plan • Joining a new Part D prescription drug plan • Switching from Original Medicare to a Medicare Advantage Plan • Switching from a Medicare Advantage Plan to Original Medicare (with or without a Part D plan) Regardless of how you receive your Medicare coverage, you should consider: • Your access to health care providers you want to see • Your access to preferred pharmacies • Your access to benefits and services you need • The total costs for insurance premiums, deductibles, and cost-sharing amounts If you have Original Medicare, visit www.medi-
care.gov or read the 2021 Medicare & You handbook to learn about Medicare’s benefits for the upcoming year. You should review any increases to Original Medicare premiums, deductibles, and coinsurance charges. If you have a Medicare Advantage Plan or a standalone Part D plan, read your plan’s Annual Notice of Change (ANOC) and/or Evidence of Coverage (EOC). Review these notices for any changes in: • The plan’s costs • The plan’s benefits and coverage rules • The plan’s formulary (list of drugs your plan covers) Make sure that your drugs will still be covered next
Garrison Institute on Aging
COVID-19 Survey – Lubbock County We invite you to take a brief 20-minute phone survey to understand your COVID-19-related experiences, and perceptions about resources and services that are available in Lubbock. Results will help guide future public health preparedness efforts focused on older adults in our community. Eligibility criteria: Age 40 and above and lives in Lubbock County. Contact: Texas Tech University Health Sciences Center Garrison Institute on Aging at 806.743.7821 annette.boles@ttuhsc.edu for additional information.
year and that your providers and pharmacies are still in the plan’s network. If you are unhappy with any of your plan’s changes, you can enroll in a new plan. If you want assistance reviewing your options, contact your State Health Insurance Assistance Program (SHIP) for unbiased counseling. To contact your SHIP, visit www.shiptacenter.org or call 877-839-2675. Even if you are happy with your current Medicare coverage, consider other Medicare health and drug plan options in your area. For example, even if you do not plan to change your Medicare Advantage or Part D plan, check to see if there is another plan in your area that will offer you better
health and/or drug coverage at a more affordable price. Research shows that people with Medicare prescription drug coverage could lower their costs by shopping among plans each year; there could be another Part D plan in your area that covers the drugs you take with fewer restrictions and/or lower prices. Source: www.MedicareRights.org T he deepest hole ever drilled by man is the Kola Superdeep Borehole, in Russia. It reached a depth of 12,261 meters (about 40,226 feet or 7.62 miles.) It was drilled for scientific research and gave up some unexpected discoveries, one of which was a huge deposit of hydrogen - so massive that the mud coming from the hole was boiling with it.
Golden Gazette • November 2020 • Page 7
Covenant named Best Regional Hospital Lubbock Chamber U.S. News & World Report has released the 20202021 Best Hospital Ranking and named Covenant Medical Center the Best Regional Hospital in the Panhandle Plains Region. For 31 years, the U.S. News & World Report Best Hospital Ranking has helped patients decide where to best receive quality care across the nation. U.S. News updated rankings for 16 medical specialties, which include but are not limited to cancer, cardiology & heart surgery, diabetes & endocrinology, gastroenterology & GI surgery, geriatrics, gynecology, neurology & neurosurgery, orthopedics, psychiatry, pulmonology & lung surgery, rehabilitation, rheumatology, and urology.
This year, 134 hospitals out of more than 4,500 were nationally ranked in one specialty, while 563 were ranked among the Best Regional Hospitals in a state or metro area. This year Covenant Medical Center was also recognized for three high performing procedure and condition areas: • Knee replacement • Colon cancer surgery • Congestive heart failure “We are grateful to our caregivers for their exceptional work in bettering the lives of those in our community,” Covenant Health Chief Quality Officer Cynthia Salisbury said. “It is wonderful to see their attention to quality and safety reflected once again in our recognition by U.S. News and World report as the Best Hospital in the Region. This is a direct result of the strong work and dedication of our caregivers and our continual commitment to the delivery of safe, high quality care.” The data used in the 202021 Best Hospitals rankings and ratings come from a period predating the CO-
VID-19 pandemic and were not affected by the pandemic’s impact on hospitals. The U.S. News Best Hospitals methodologies are based largely on objective measures such as risk-adjusted survival and discharge-tohome rates, volume, and quality of nursing, among other care-related indicators. Covenant Health has served for more than 100 years as the only faith-based, clinically integrated health network in the West Texas, eastern New Mexico region providing a Christian healing ministry. Covenant’s network includes seven hospitals, more than 1,000 licensed beds, more than 6,000 caregivers, nearly 100 primary care providers, and a medical staff of more than 600 physicians at its cornerstone facilities.
unveils award winners The Lubbock Chamber of Commerce announced this year’s annual award winners to be recognized at its annual meeting and awards luncheon at 11:30 a.m. Dec. 3 at the Lubbock Memorial Civic Center. Ambassador of the Year: Tracey Polk, Impact Collision Centers Volunteer of the Year: Robert Wood, West Texas Land Guys Entrepreneur / Small Business of the Year: Mickey Rogers and Daniel Stanton, Café Venture Catering and Fuddruckers Business of the Year:
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Page 8 • November 2020 • Golden Gazette The most fulfilled people are the ones who get up every morning and stand for something larger than themselves. They are the people who care about others, who will extend a helping hand to someone in need, or will speak up about an injustice when they see it. - Wilma Mankiller, first woman principal chief of the Cherokee Nation
Still priceless By Laurie Foster BACKYARD MISSION Still “doing the word” in 2020. Our Backyard Mission Dream Team continues to go out each week and “love their neighbors.” I cannot express my appreciation enough of these men who so diligently serve and bless the people in our community. And thank you to all who give to us financially, so we can buy the supplies we need. And thank you to all who lift us up in prayer and keep us before the Lord. Together we are letting people know there is a God who sees them, knows them, loves them, and has come to meet their need. We have had a “flurry” of “thank you” notes this sea-
son, which is unusual, but so appreciated. I want to share a few excerpts from them. “I just wanted to send a note of thanks to Backyard Mission for helping me with home repairs. The hard work done for me is very much appreciated.” “The plumber said it was the worse sewer line he had ever seen. We can flush now. There is no way I can thank you enough for replacing my sewer line.” “Words cannot express how grateful I am for the work done on my house! These gentlemen are priceless!” We always make sure folks know that this is “God’s gift to them,” but I love for my guys to get appreciated for their hard work. Priceless indeed.
Golden Gazette • November 2020 • Page 9
10 things to know about hemp-based CBD By Stephanie McMahon Easy Feeling Wellness Hemp-based CBD is a growing element of the global wellness market that embraces an array of preventative health measures. 42% of the people who use CBD stopped using their prescription drugs according to a 2018 study by the Brightfield Group. The CBD category is expected to grow into a $20 billion dollar industry itself in the US alone within 3 to 4 years. The vast majority of Baby Boomers have heard of CBD but are in the dark on what it can do, whether it’s legal, and whether or not it’s safe to use. 1. First and foremost: It is not Marijuana! Both CBD (cannabidiol) and marijuana come from varieties of the cannabis plant family. What adds to the confusion is that CBD can be derived from either the hemp plant or the marijuana plant, but only the hemp version is legal to sell in the United States. Legal hemp-based CBD is neither addictive nor psychoactive. 2. CBD comes in many forms including topical creams, tinctures, gummies, softgels and powders. Topical creams are applied directly to the skin and are typically used for pain.
Tinctures, gummies and softgels are absorbed orally, but tinctures are taken sublingually under the tongue, and absorbed in the system faster, while softgels and gummies are absorbed in the stomach and intestines. 3. CBD seems much more likely to be a long trend versus a “gone tomorrow” fad. Its use is widespread, especially among millennials who often use it to help relieve anxiety and stress. Overall some 40 million U.S. adults use hemp-based CBD. However only 10% of those between the ages of 55-75 use CBD regularly. 4. CBD is legal federally thanks to the 2018 U.S. Farm Bill which removed CBD from the list of controlled substances. However, the FDA still has not given its full blessing and has restrictions on what claims CBD companies can make and where they can advertise. 5. World Health Organization The World Health Organization has pronounced CBD as being safe and without risk to public health. 6. There are no exact guidelines on dosage but side effects are relatively rare and minor, including dry mouth, and in some cases, an upset stomach. Most adults are advised to start with a low dosage
(i.e. 10 mg) and take more as needed. An exception are topical relief rubs for sore muscles and joint pain. 7. Alleviation of pain is the number one reason for use. According to a 2018 Gallup Poll, 40 percent of CBD users use it to alleviate pain. This seems to be particularly true for those suffering from arthritic pain as a large survey of its members by the Arthritis Foundation found 29% of arthritis suffers were using CBD and another 33% planned to use over the coming year 8. CBD is a natural, plantbased anti-inflammatory product. Medical science shows chronic inflammation, which can be caused by stress, smoking, too much alcohol, or a bad diet among other things is at the core of many of the most prominent diseases including heart disease, cancer and diabetes. It appears CBD may be able to impact inflammation through its actions on the endocannabinoid system which is an extensive physiological system in our body. 9. Golfers seem to like CBD. The PGA allows pro golfers to use CBD, and it appears to have a wide following among golfers ranging from Billy Horschel to Scott McCarron to Bubba Watson. Golfers attest to its assort-
ments of benefits ranging from helping cure the putting yips, to a mid-round energy boost, to helping to soothe sore muscles. 10. CBD can provide a natural assist in getting a good night’s sleep. Products like Easy Feeling Wellness’ Softgels with Melatonin work to reduce stress and anxiety that can otherwise make it harder to fall asleep, and also support deeper sleep cycles.
The goal at Easy Feeling Wellness is to provide balanced information for Active Boomers so they can understand both the benefits and remaining unknowns with CBD. For more information visit the website at www.easyfeelingwellness.com or email me personally at Stephaniem@ easyfeelingwellness.com. Stephanie McMahon https://www.growingbolder.com/ ten-things-active-agers-shouldknow-about-cbd-3067962/
The Amazon River pushes so much water into the Atlantic Ocean that more than 100 miles at sea off the mouth of the river, one can dip fresh water out of the ocean. The volume of water in the Amazon river is greater than the next eight largest rivers in the world combined and three times the flow of all rivers in the United States.
Remove 10 pieces of litter every Tuesday
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A new litter-prevention program: “10 on Tuesday”
Working toward a clean, litter-free city www.keeplubbockbeautiful.org 806-775-3149
Page 10 • November 2020 • Golden Gazette
What’s on your mind? Send your “Viewpoints” to: Golden Gazette 1310 Avenue Q, Lubbock, TX 79401
This younger generation: Just answer the call By Mary Ann Edwards Some folks are afraid of what ‘this younger generation’ will do when they get in charge. I’m not. I’m more afraid of what our world is becoming today. We know how to treat people with respect and dignity, but we don’t hold people accountable when they don’t. We know what is right and wrong, but we’ve made it OK for our children and grandchildren to lie to their teachers and to fudge on the truth to serve their own needs at the expense of others. Mom really wants to
take her daughter shopping, so Mom lies to the school. Come on now; is this the role model the daughter needs? The 7 deadly sins – pride, greed, lust, envy, gluttony, wrath and sloth – are literally killing us. The next “great generation” is coming up soon, and I really believe they will change our world. It’s time for the pendulum to swing back. I have the good fortune of being able to teach collegeage students, and let me tell you, most of them are incredible. I did say most. This younger generation
is faced with a harshness we Baby Boomers didn’t have. Minor offenses and they are thrown in jail. I remember a time when I was a senior in high school in Matador. The kids had a place called the ‘tanks’ where they would congregate. One night Sheriff Jinks Wilson drove up, and we all froze. He stopped his car, left the lights on, got out, and walked around. He made sure everyone was OK. Then he said, “Well, I make my rounds here every hour, so you kids don’t need to be here when I come back.” As soon as he drove off, we
The Generations
The Greatest Generation Born before 1946 0% in the workforce Baby Boomers Born 1946-1964 18% in the workforce Generation X Born 1965-1977 26% in the workforce Millennials (Generation Y) Born 1978-2000 51% in the workforce iGen (Generation Z) Born 2001-2012 5% in the workforce Generation Alpha Born 2013-(to be determined) Source: Bruce Tulgan of Rainmaker Thinking scattered like flies. The story that follows was written by one of my millennial friends. What she says makes me realize – we are going to be OK – even better.
Answer the call By Yvonne Limon I recently had a conversation with a colleague of mine who asked me what the best form of communication was to reach me. I immediately responded “texting.” Any guesses on their re(See This younger generation, Page 18)
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Golden Gazette • November 2020 • Page 11
Assistant director achieves professional designation Robert Wallace, assistant director of Facilities Management for the City of Lubbock, recently earned the International Code Council’s Master Code Professional (MCP) designation. Master Code Professionals are responsible for all technical and management aspects of code enforcement. According to ICC, only 1% of certified code professionals reach the status of MCP. “The Master Code Professional designation is the highest level of ICC certification that is given,” said Deputy City Manager Bill Howerton. “It’s the gold standard for building code professionals, and it demonstrates a lot of
hard work, a high level of self-initiative, and a great deal of testing and education. Robert is one of only approximately 800 people worldwide that carry this designation.” Wallace started in the BuildRobert Wallace ing Safety department and has been with the City of Lubbock for 18 years.
Every moment matters. Don’t waste a single one. For over 35 years, Covenant Heart and Vascular Institute has provided everything from routine community health screenings to advanced heart procedures. There are many serious causes of chest pain including heart attacks, blood clots and aneurysms. If you are experiencing chest pain – come see the specialists at the only certified Chest Pain Center in Lubbock. Together, we’ll help ensure you’re enjoying every moment with a full heart. To learn more and take an online risk assessment, visit covenanthealth.org/heart.
Page 12• November 2020 • Golden Gazette I used to eat a lot of natural foods until I learned that most people die of natural causes.
By
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Well, if we thought the last few months have been unpredictable with some hot days and some cold days-just wait until November. We can expect a few more freezing days along with some of the great fall weather. Most of us will prepare for family (if we can get together) for holiday gatherings. I think we are all are ready for the return to ‘normal.’ Texas Tech University Health Sciences Center has re-opened. Clinics are open but the offices at our location remain closed to the public. If you have concerns about face-to-face visits contact your medical professional. Most will accommodate ‘virtual visits’ if that is your desire. Just remember your masks. November is National Alzheimer’s Month. The Care Partner Academy will host a panel to discuss this disease and other related dementia ailments. If you would like information on the date and to join in the sessions, please notify me via email at joan.blackmon@ ttuhsc.edu. You can join on a computer or via phone. Sessions are 60 minutes in length and usually held over the noon hour. We can provide you with an opportunity to discuss topics with others in the community.
The Healthy Aging Lecture Series will be held virtually at 3 p.m. Nov. 18. John W. Culberson, M.D., of Texas Tech University Health Sciences Center, Family and Community Medicine will present “Brain Health During the COVID Pandemic.” If you are interested in joining the ZOOM sessions, contact the office at 806-7437821. You can access the sessions via computers, email, or phone. As we near the end of the year, it is time to prepare for the next year as well as future years. The following are some areas that it is always a good idea to update specific documents. o Review and update your will. Things and people change. o Keep a document with your assets and their approximate worth. This will help your executor prepare the appropriate paperwork. o Keep a file of titles, account numbers, and legal documents in a safe place. Go over this list with your executor to provide them with some guidance upon your demise. o Keep current with your neighbors, especially those who live alone. If you do not see them out at their usual time, give them a call. o Begin to get your tax
paperwork in order. April will be here before you know it. The following are some of my favorite November jokes. Why did the turkey cross the road twice? o To prove he was not chicken. Knock Knock. Who’s there? Arthur. o Arthur any leftovers? What kind of key cannot open doors? o A Tur-Key. Why was the Thanksgiving soup so expensive? o It had 24 carrots. What did the turkey say to the turkey hunter on Thanksgiving Day? o Quack, Quack. • If you call a large turkey a gobbler, what do you call a small one? o A goblet. • Knock Knock. Who’s there? Norma Lee. o Norma Lee I do not eat this much. Thanksgiving dinners take 18 hours to prepare. They are consumed in 12 minutes. Half-times take 12 minutes. This is not a coincidence. ~Erma Bombeck Research says the 72% of us have 5 or more masks. NEWSFLASH: You only have to wear one at a time. Enjoy your life and stay safe. We will get through this together.
Golden Gazette • November 2020 • Page 13
Love in the Time of Social Distancing By Mary Lou Jansen When even close family members and lifelong friends must stay safely distanced, imagine how a pandemic can play havoc with any plans to date new people and pursue romantic relationships. Will it be awkward meeting face-to-face for the first time while wearing masks? How do you demonstrate affection when keeping 6 feet apart makes it impossible to hold hands or hug? And where can you meet for the first time if such traditional dating sites as bars, restaurants and movie theaters are off limits? “Growing Bolder” magazine reached out to Bob Thwaites for advice on how singles can still date despite concerns presented by the coronavirus. Thwaites chronicled his own awkward moments, dating faux pas, and humorous encounters experienced years ago when he was middle-age, recently divorced, and ready to re-enter the dating pool. Even without the complications of COVID-19, he faced unknowns for which he was unprepared. “I was married for more than 25 years and then thrust into this new world. There was no social media, texting or emailing,” he recalled. “I had to jump into a new culture and make up for having my head in the sand.” Newly single, it was time to toss out the married jeans and turn to online dating sites for initial introductions. The father of three eventually became adept at writing and responding to personal profiles posted on websites, but he didn’t quite find Ms. Right — at least not then. But he did compile enough anecdotes to write a book about his quest that was published under the pen name, Robert James. That collection of missteps made and lessons learned was titled, “Next! The Search for My Last First Date.”
Thwaites fondly recalls when successfully unhooking a bra was a big deal and condoms were the key to safe sex. “Now you don’t meet someone without wearing a mask,” he noted. Masks are blocking the way for lips to lock for that always anticipated first kiss. “Today, taking her mask off is the new first base. Hopefully, when the time is right for that first-kiss moment, you have already reached that point. If that mask is still on, it’s not going to happen. You are barking up the wrong tree.” Kiss or no kiss, reaching a mutual decision to unmask can mark a major milestone in terms of establishing effective communication and mutual trust. “Part of getting to know someone is being able to see how they react to what you are saying,” Thwaites said. “Not being able to read their face and see their reactions can lead to misunderstandings. You need to have that conversation about ‘I will show you mine if you show me yours’ as soon as you are comfortable.” Today, Thwaites lives in Punta Gorda, Florida, Meeting in a noisy bar may not even be an option; but it may also be a bad choice, because con- and enjoys being in a committed relationship but versations muffled by mouth coverings can be al- still acknowledges that looking for love while most unintelligible. Instead, consider picnics, parks looking out for COVID-19 eliminates some of the (See Developing Relationships, Page15) or activities you can enjoy together, he suggested.
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Page 14 • November 2020 • Golden Gazette
A New Kid on the ‘6 Blocks’ Yes, folks, this month I’m sharing with you some information about the Braum’s franchise which is fairly new to Lubbock and our area. Braum’s is family owned and Mr. W.H. Braum is the founder. They have 280 stores located in Oklahoma, Kansas, Texas, Missouri, and Arkansas. Seven more stores are planned for next year, just in Texas. I recently visited the “French Market” at 8217 S. University Ave. and spoke with Mr. Travis Williams who happens to be the area operations manager, and is now proud to be a new Lubbock citizen. He was very
informative and gave me a list of all the locations in Lubbock and the neighboring areas. Braum’s corporate office is in Oklahoma City, and their farm is in Tuttle, Oklahoma. The farm is where all the “goodies” originate. To begin with, all dairy products and meat are produced from their own herd of cattle. Yes, that means milk, ice cream, yogurt, butter, cottage cheese, hamburger, etc. are as fresh as possible. Add to that all the baked goods are handmade in their own bakery. Offered are varieties of cookies, artisan specialty breads, rolls, and muffins. All fresh produce items
Developing Relationships (Continued from Page 13)
spontaneity associated with dating. “We’re still looking for companionship, love or someone to share our lives with,” he said. “But now, we have to maintain some level of social distancing. Nothing says, ‘I am interested,’ like reaching out to hold hands — if I have to put a glove on first. Relationships are not meant to be sterile. Affection and intimacy are contact sports that don’t happen in a bubble. Part of dating is taking risks by putting yourself out there, personally, emotionally and, with COVID-19, even physically.” While having a thermom-
eter handy to check each other’s temperatures is probably not the most romantic message to send, couples can still create boundaries and take their relationship to the next level when each one is ready. “It’s really about respecting each other’s personal space,” Thwaites said. “COVID-19 doesn’t mean you have to give up dating or relationships. You just have to be smarter about them. Just take precautions and make wise decisions.” To learn more, visit www. robertthwaitesauthor.com https://www.growingbolder.com/love-in-the-time-ofsocial-distancing-3067954/
are grown on area farms. Also seen are some all-time favorite products such as Stoffer lasagna, and Ruffle potato chips. Need something to go with those chips? Try any of four of Braum’s farm fresh dips. Other familiar and favorite products include Lean Cuisine and Amy’s Gluten Free Meals. The hours are 6 a.m. to 10:45 p.m., EVERY DAY! Breakfast items are served until 10:30 a.m., with the other menu items being served until closing. Breakfast you ask? OMG! Their star specialty is their selection of “Bagel Omelets” in several flavors. Also, whatever your hungry heart desires is offered, including sausage, biscuits and gravy, hotcakes, and yes, even burritos! There are many “combos” for your choosing, and even kids’ meals. Other menu items available for all other remaining hours are hamburgers, fries, salads, chicken strips chili, and combos of all kinds. Another star specialty is their “Gouda Burger.” Now folks, I’ve tried the Gouda Burger offered at Market Street in the “Custom Butcher” counter in the meat department. These are the absolute best I’ve ever tasted. However, they are for the customer to take home and prepare. At Braum’s, it’s completely ready for your dining experience. Speaking of dining, the dining area is bright, has
Golden Gazette • November 2020 • Page 15
Braum’s The Lubbock and area list (“The 6 Blocks”) Store #64 – 7910 Milwaukee Ave., Lubbock 79424 Store #195 – 8217 S. University Ave., Lubbock 79423 Store #287 – 5002 Milwaukee Ave., Lubbock 79424 Store #288 – 1111 Donald Preston Dr., Wolfforth 79382 Store #289 – 905 University Ave., Lubbock 79401 Store #291 – (opening Dec. 5) 503 E. Hwy. 114, Levelland 79336
several booths and is very large which enables the “distancing requirement.” Beverages, both hot and cold, are available at all times. There are 24 flavors of ice cream and 2 flavors of frozen yogurt (chocolate and vanilla) plus many, many toppings so you are able to create your own concoctions. There are waffle cones, banana splits, shakes, and take-home containers of ice cream, frozen yogurt, and ice cream sandwiches. The “sweet tooth” cannot be deprived at Braum’s. There’s a new seasonal sur-
prise treat for all customers – Six flavors of Egg Nog!!! In my many, many years on this planet Earth, I’ve never heard of Egg Nog in flavors, let alone six – Who knew? Soon to be announced, will be phone-in orders and curb-side pick-up service which are coming soon. I’ll keep you posted. * Please take note! To my knowledge, this is the only hard copy list available in Lubbock. Happy and blessed Thanksgiving to one and all, Cathy Easter
Women’s Club Christmas Bazaar The Lubbock Women’s Club is hosting its annual Christmas Bazaar this year with a new twist. The “Christmas Bazaar & Wine Party” is set from 4 to 7 p.m. Nov. 5. Cost is $20. The second will be the “Christmas Bazaar & Cookie Party,” from 10 a.m. to 1 p.m. Nov. 6. Cost is $10. Local merchants will offer an array of merchandise (ladies apparel, accessories, jewelry, home goods, and more). Reservations are not required. For additional information, contact 806-763-6448.
Page 16 • November 2020 • Golden Gazette
Why older people really avoid using technology It’s not because they can’t
By Joelle Renstrom Richard Devitt, an 86-year-old retired restauranteur living in Massachusetts, doesn’t have an email account and still uses a flip phone. “I honestly don’t need or want them,” he said, about smartphones and social media. The fact that attending church services, birthday parties, and even medical appointments now requires logging in online hasn’t changed his mind. There’s a widespread idea that seniors are technologically illiterate or dislike
devices, but that’s not necessarily the case. Instead, older adults adopt tech they find useful and resist tech they don’t. In normal times, that can be problematic when it comes to filing online forms or accessing test results. But in the pandemic, when internet connectivity drives social engagement and medical care, this misconception could be a big problem. Roughly 27 percent of Americans over 65 are not
Women’s Club Virtual Auction, Nov. 2-7 The Lubbock Women’s Club is offering a virtual auction beginning at noon Nov. 2 and ending at noon Nov. 7. Many excellent items will be offered to complete your Christmas shopping in the comfort of your home. Go to https://one.bidpal.net/lwc Merchandise will be available for delivery or pickup at The Lubbock Women’s Club, 2020 Broadway, beginning Monday, Nov. 9.
online, and understanding why is key to changing that. If companies designed devices and software with value for seniors, not as many older people would find themselves on the other side of the digital divide. According to the Pew Research Center, 73 percent of people over 65 in the U.S. use the internet, up from 14 percent in 2000. The older the person, the less likely she is to embrace the internet, social media, or smartphones, but those who have adopted these technologies use them a lot and learn new skills to do so. Seniors are the fastest growing online demographic, though some remain holdouts. In many of those cases, the real barrier to entry isn’t technological—it’s personal. Seniors learn new tech
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skills when it has value to them. Devitt said he was confident he could master Facebook or a smartphone if he wanted to. “Anyone can figure it out,” he said, “but I don’t want to spend the time to do that.” The saddest part about the restaurant business, Devitt said, was watching people come in to celebrate and as soon as they sat down, their phones came out.” He sees as many older adults as younger ones glued to their phones, and he doesn’t want to be one of them. (He particularly doesn’t want the pressure to reply to someone instantly, multiple times a day.) The pandemic doesn’t make social media appealing, either. Instead, Devitt and his wife continue to have weekly phone calls with family. Lawrence Stephens, a 91-year-old in Mississippi, has a passive relationship with Facebook. He accesses it to see what’s going on, particularly when his granddaughter is traveling, but he “wouldn’t dare” post anything. Stephens grasps what many social media users of all ages do not: “Once you get on, you forget you’re talking to millions of others. Anybody can tune in.” Many older adults have privacy concerns, and with good reason. Scammers use a variety of technologies to target older adults to such an extent that the FBI posts
warnings on its website. In 2019, the Senate Committee on Aging convened hearings on fraud against veterans and a Social Security scam that cost seniors $38 million. While people of all ages worry about data privacy, those concerns prevent some seniors, such as Stephens, from using social media. “I treasure my privacy and think about it quite a bit,” said Stephens, recounting how he ordered masks online from Walmart recently and was shocked to learn the company had retained all of his personal information from when he bought a chisel there three years earlier. “They’ll sell this information so everyone knows how big of a sucker I am.” Bran Knowles, a researcher who focuses on the intersection between data systems and social responsibility, studies how older adults use technology and why they do or don’t use certain devices or platforms. Her findings that tech use is about choice reflects Devitt and Stephens’ experiences. Often, the barrier is “a misalignment of values and products,” said Knowles— tech companies “don’t see [older people] as valid stakeholders.” That’s evident in how they fail to consider seniors’ needs, even when manufacturing products like the Jitterbug, a phone with extra-big buttons intended (See Resisting some, Page 19)
Golden Gazette • November 2020 • Page 17
In June of 1970, during a 24-hour break in the Kinks’ touring schedule, leader Ray Davies jetted from New York to London and back—a 6,000mile roundtrip—in order to change a mere two words in the band’s latest Arista Records single. It wasn’t that the controversial song “Lola” concerned a man romancing a transvestite but the fact that Davies had committed a UK faux pas in his opening lyrics: I met her in a club down in old Soho Where you drink champagne and it tastes just like Coca-Cola C-O-L-A Cola…
The problem? The public-owned BBC (British Broadcasting Corporation) didn’t allow the use of brand names in recordings. Thus, Ray was required to switch the trademarked “Coca-Cola” name to the generic “cherry cola” in order to ensure airplay in his native country. According to legend, Davies composed the work after he and record producer friend Robert Wace had gone to a Paris—not London—nightclub. Wace, reportedly a heavy-duty imbiber, was said to have begun moving on a sultry woman there, enjoying their dances, and soon confiding to Ray, “I’m really on to a good thing here.” But Davies thought he detected something odd: the seductive lady, whose name was Lola, seemed to have a bit of chin stubble. Ray decided that Wace was too drunk to notice.
She walked like a woman but talked like a man From that incident came the first Kinks Top 10 hit in years, their last chart success being the Reprise label’s “Tired of Waiting for You” back in 1965—an eternity in the fleeting world of rock-music fame. While the quartet had released numerous excellent 45s in the later 1960s, a return to the Big Time eluded them until the release of their contentious 1970 offering. In the song, Ray kept the language ambiguous: I’m glad that I’m a man and so is Lola And listeners who paid attention to Davies’s lyrics could never be sure of Lola’s sex: Girls will be boys and boys will be girls It’s a mixed-up, muddled-up, shook-up world Due to its risqué allusions, the tune was banned in Australia but did become a N u m b e r Tw o hit in Britain, a Number Nine smash in the USA and a Top 10 success in 11 other countries. Ray Davies often took credit for the entire song: “I wrote ‘Lola’ to be a great record, not a great song. Something that people could recognize in the first five seconds.” Actually, his brother Dave—and fellow Kink—wrote the music, with Ray adding the wry lyrics afterward. During the recording sessions, four or five versions were attempted, with different keys being tried and well as various overall styles. In 1985, “Weird Al” Yanko created a “Lola” parody that he dubbed “Yoda,” which featured lyrics about the iconic Star Wars character. While “Lola” became one of the Kinks’ most appreciated concert pieces, it would be another 13 years before the band would enjoy its final Top 10 hit single, “Come Dancing.”
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Page 18 • November 2020 • Golden Gazette
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Golden Gazette Crossword Puzzle ACROSS Abominable snowman Aquatic vertebrate German submarine Acquire through merit Melody Stare angrily Against (colloq.) Coiled Not sweet Underwear Plastering tools Barren place Wander Oceans And not Inwardly Braid Enemy Not kosher Severe Scottish Gaelic Organ of hearing Harvests
Monetary unit of Burma Consumed Authentic Morning Edit State in Malaysia Rapier thrust Hesitation Tending to induce euphoria Capital of Peru Willow Group of three persons A person who uses Nursemaid Yellow cheese coated with red wax 62. Castrate
DOWN 1. Something that causes fermentation 2. Enthusiastic 3. Tricorn 4. Tavern 5. Comprehended with ease
6. Golf clubs 7. Vocalize melodically 8. Possess 9. Most gruesome 10. Depressed spirits 11. Cereal grass 12. Part of verb to be 13. Spread out for drying 19. Establish by law 21. Tax 23. Carnivorous mammal 25. Admit to citizenship 26. Perch 27. Woody plant 29. Slumbered 30. Hearing organs 32. Angry 33. Egyptian deity 35. Rip 36. Zone 37. Jaguarundi 39. Parsonage 40. Serbian folk dance 43. Freshwater catfish
45. 46. 47. 48. 50.
Gray Craze Humped ruminant Give merit Call to mind
51. 53. 54. 55. 56.
Wool cleaning brush Long period of time North American nation Slender metal fastener Pull laboriously
Solution on Page 21
1. 5. 9. 14. 15. 16. 17. 18. 20. 21. 22. 24. 28. 29. 31. 32. 33. 34. 35. 36. 37. 38. 39.
40. 41. 42. 43. 44. 46. 49. 52. 53. 56. 57. 58. 59. 60. 61.
This younger generation: Just answer the call; & they will (Continued from Page 10)
sponse? I’ll spare you the gory details, but let’s just say it included an eye-roll, followed by a lecture on the importance of face-to-face communication, and concluded with “You are such a millennial; just answer the call.” I open with all of this not to talk about whether or not being a millennial is a blessing or a curse, or to reiterate the fact that they asked me what the best form was. but to emphasize the last three words of that conversation:
Answer the call. We millennials – totally a blessing to be one by the way – have somehow developed a notorious reputation for being entitled, tech-addicted, and lacking the communication skills to carry on a live conversation with another person. There is a stigma that we avoid confrontation and live in an unrealistic world . . . that we don’t answer the call. As much as I hate to admit it, there is a tiny bit of truth in that last statement. A recent online article
from ProInspire stated that less than 2% of nonprofit board members are under 30 years old, and 57% are 50 and over. Less than 2%? C’mon millennials, we can do better than that! There is a myriad of articles stressing the importance of board diversity and reasons why you should join a board. But for me, the real question is why are young professionals not chomping at the bit to serve on a board? I mean, we are literally half of
the global workforce, and we claim to want to be a part of things greater than ourselves. Yet, we take no action. In a recent CNBC article, John Ryan, President and CEO of the Center for Creative Leadership said it is a common misconception that millennials are too young for board positions. I think we are active contributors to this misconception. Had it not been for a member of my local chapter who previously served on the board encouraging me to
serve, I too would have been apprehensive at the thought of serving on a board. She sat me down and gave me the necessary loving push to throw my hat in the ring. And, my life is truly better for it. So, consider this your loving push, from one millennial to another – answer the call. Yvonne Limon is the marketing director for Lee Lewis Construction and serves on the national board of directors for the Association for Women In Communications.
Golden Gazette • November 2020 • Page 19
Resisting some & embracing others Washing fruits (Continued from Page 16 )
for older users. However, button size doesn’t dictate seniors’ decisions about tech use, and such presumptions highlight Silicon Valley’s bias toward youth, both in terms of shareholders and user markets. The marketing of Jitterbug seems geared toward the children or caretakers of seniors, rather than toward seniors themselves, and user reviews similarly tend to be from those children and caretakers. The people who drive tech development can’t imagine what it’s like to be 80, Knowles said. Misconceptions get baked into the design, build, and marketing of devices supposedly made for seniors. When older adults don’t adopt them, it’s easy to write them off as categorically resistant to technology. The assumption that seniors are “alienated” by technology—a verb Knowles avoids because of its implied passivity—ignores the essence of her research: that older adults’ resistance to technology is a value-based choice. Thus, many seniors resist some technologies and embrace others. Stephens uses his computer and TurboTax software to trade on the stock market and to file taxes. Apple is one of his favorite companies, and he bought himself an iPhone a year ago. But despite how handy the phone can be, he
said it’s like a tether, so he rarely uses it. “When you want to do some deep thinking and not be interrupted, smartphones are no good,” Stephens said. Some seniors, such as 77-year-old Illinois resident Margaret Cullen, have adopted new technologies to stay socially connected. Cullen has played poker with eight other women every month since 1976. Now that they can’t meet in person, they moved their game to Zoom. “All of my senior friends are anxious to learn new things,” Cullen wrote in an email punctuated with emojis. The motivation to learn is particularly strong if you have grandchildren. “We all initially say ‘no,’ and then someone learns from their grandchild and the feeling is, ‘If she can do it, so can I,’” Cullen wrote. “It’s amazing how fast my friends have learned!” Even during a pandemic, many older adults remain unmotivated to cross the digital divide. The COVID-19 crisis could perpetuate the dangerous misconception that seniors who resist technology either can’t or don’t want to be reached. Neither is true, and that supposition could perpetuate the deadly consequences of ageism by discouraging people and corporations from investing in new or different initiatives. Ageism can turn into vic-
tim blaming when organizations dismiss the needs of older adults. If someone can’t fill in an online form to get government assistance in the current crisis or can’t figure out how to get Zoom to work for a telehealth appointment, Knowles fears this response, “Well, you should’ve learned how to use the internet—it’s not our problem.” At the same time, Knowles worries that older adults sometimes believe they have no choice but to adopt technology, and that the pandemic could exacerbate that belief. If companies continue ignoring the value-based reasons older adults resist various technologies
and continue failing to accommodate such potential users, they’ll never realize they’ve been asking the wrong question all along. It’s not about “how to get older people to use the tech we have,” Knowles said. The real question is, “How do we make tech seniors actually want technology?” This article was written with the support of a journalism fellowship from the Gerontological Society of America, Journalists Network on Generations, and the Commonwealth Fund. Future Tense is a partnership of Slate, New America, and Arizona State University that examines emerging technologies, public policy, and society.
& veggies
By Dr. Elva Edwards Whether you buy organic or conventionally grown food, you still want to wash it. I wash my fruits and veggies because washing will remove some of the pesticides and herbicides from your food. Even though I buy organic food, no food is really clean these days, even organic. I put the fruit or veggie in a bowl of water and put about a tablespoon of lemon juice and a teaspoon of salt. I swish the produce around in the water for about 30 seconds to a minute. You can leave it longer, but you don’t have to. I drain the bowl and then fill it with fresh water and wash the produce again. You will like the way this plumps up your produce if it is a bit weepy. Nothing I know of will remove all toxins. We just do the best we can.
& a vast collection of estate pieces These custom pieces, utilizing new and vintage beads, broaches, buckles, etc., turn into new 1 Ovakind designs! I haunt garage sales, estate sales, antique shops, and many church bazaars to rescue beautiful components and give them new life. If some of your jewelry requires restringing, repairing or redesigning, I do most repairs that do not require soldering.
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Page 20 • November 2020 • Golden Gazette
Reaching retirement time: Now what? By Zach Holtzman Financial Advisor You’ve worked hard your whole life anticipating the day you could finally retire. Well, that day has arrived. But with it comes the realization that you’ll need to carefully manage your assets to give them lasting potential. Review your portfolio regularly Traditional wisdom holds that retirees should value the safety of
their principal above all else. For this reason, some people shift their investment portfolio to fixed-income investments, such as bonds and money market accounts, as they approach retirement. The problem with this approach is that you’ll effectively lose purchasing power if the return on your investments doesn’t keep up with inflation. While generally it makes sense for your portfolio to become pro-
gressively more conservative as you grow older, it may be wise to consider maintaining at least a portion of your portfolio in growth investments. Spend wisely Don’t assume that you’ll be able to live on the earnings generated by your investment portfolio and retirement accounts for the rest of your life. At some point, you’ll probably have to start drawing on the principal. But be careful not to spend too much too soon. This can be a great temptation, particularly early in retirement. A good guideline is to make sure your annual withdrawal rate isn’t greater than 4% to 6% of your portfolio. (The appropriate percentage for you will depend on a number of factors, including the length of your payout period and your portfolio’s asset allocation.) Remember that if you whittle away your principal too quickly, you may not be able to earn enough on the remaining principal to carry you through the later years. Understand your retirement plan distribution options Most pension plans pay benefits in the form of an annuity. If you’re married, you generally must choose between a higher retirement benefit paid over your lifetime, or a smaller benefit that continues to your spouse after your death. A financial professional can help you with this difficult, but important, decision. Historically, other employer retirement plans like 401 (k)s typically haven’t offered annuities; however, this may change as a result of recent legislation passed that makes it easier for employers to offer such products. If your plan offers an annuity as a
distribution option, you may want to consider how it might fit in your long-term plan. You might also consider whether it makes sense to roll your employer retirement account into a traditional IRA, which typically has flexible withdrawal options. If you decide to work for another employer, you might also be able to transfer assets you’ve accumulated to your new employer’s plan, if the new employer offers a retirement plan and allows a rollover. Plan for required distributions Keep in mind that you must generally begin taking minimum distributions from employer retirement plans and traditional IRAs after you reach 72 whether you need them or not. Plan to spend these dollars first in retirement. If you own a Roth IRA, you aren’t required to take any distributions during your lifetime. Your funds can continue to grow tax deferred, and qualified distributions will be tax free. Because of these unique tax benefits, it generally makes sense to withdraw funds from a Roth IRA last. Know your Social Security options You’ll need to decide when to start receiving your Social Security retirement benefits. At normal retirement age (which varies from 66 to 67, depending on the year you were born), you can receive your full Social Security retirement benefit. You can elect to receive your Social Security retirement benefit as early as age 62, but if you begin receiving your benefit before your normal retirement age, your benefit will be (See Managing Assets during retirement, Page 22)
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volunteering?
Garden Lawn Crypt, Resthaven Cemetery, Lubbock. 2 spaces, 2 vaults, double monument, Phase 1, Section Y. Value $7,675. Make reasonable offer. Call 806-746-6630 or 806787-5559. 2/18
Covenant Health and Covenant Children’s are in need of volunteer s. Donate a morning or afternoon each week to help serve our patients and families! If interested, call Lauren Orta, 806-725-3309, or email ortalh1@covhs.org 3/19
looking For volunteers University Medical Center is looking for volunteers to work as messengers, pop popcorn, and work at the information desk. If you would like to meet new people, socialize, be appreciated, and have all the free popcorn you can eat, contact Travis Armstrong, 775-8760. Travis. Armstrong2@umchealthsystem.com 6/17
insurAnce
Medicare supplements, final expenses, long- & short-term care. Call Lowery Insurance Agency, 806-863-3580, 325949-5652 or 325-656-9888. leelowery1950@gmail.com. 9/19
cAn’t reAch your toes? ... i cAn! Professional manicures & pedicures. Top quality products & services. Promoting healthy nails. 20 years experience. Call Alicia at 806-317-5226. 2/17
single lot: resthAven Single lot in Resthaven, Section T, Lot 1148, Space 4. Retails for $4,995; would sell for $3,500. Call 806-702-8457. If no answer, leave message. 3/18
Golden Gazette • November 2020 • Page 21
Be A pArt oF history Donate to the Lubbock Roots Historical Arts Council. The East Lubbock GateWay project is helping re-develop East Lubbock. Donations may be made at any City Bank location. Roots is funded by donations, fundraisers and grants. Shirley Green, executive director of the Roots Historical Arts Council, can be contacted at sagreen3@yahoo.com or 806-535-2475 for more information.
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Page 22 • November 2020 • Golden Gazette
New Neighbors, Nov. 13 A Silent Auction/Game Day is set for Nov. 13, at Hillcrest Country Club, 4011 N. Boston. The New Neighbors Club event will start at 10 a.m. Cost is $30 which will cover lunch and game prize cash. Games include Bridge, Canasta, Pinochle, Samba and Shanghai Rummy. The event is open to everyone, and non-members are welcome to attend. Reservations are required and must be paid for by check before the event. Because of Covid-19, the club may limit attendance. So get those reservations early. Contact Peggy Dyess for reservations at 806-7981314 (no texts), or peggydyess54@gmail.com, or Jean Earl 806-778-2754 (cell).
Managing your assets during retirement (Continued from Page 20)
reduced. Conversely, if you delay retirement, you can increase your Social Security retirement benefit. Consider phasing For many workers, the sudden change from employee to retiree can be a difficult one. Some employers, especially those in the public sector, offer “phased retirement” plans to address this problem. Phased retirement generally allows you to continue working on a parttime basis -- you benefit by having a smoother transition from full-time employment to retirement, and your employer benefits by retaining the services of a talented employee. Some phased retirement plans even allow you to access all or part of your pension benefit while you work part time. To the extent you are able to support yourself with a salary, the less you’ll need to dip into your retirement
savings. Another advantage of delaying full retirement is that you can continue to build tax-deferred funds in your IRA or employersponsored retirement plan. You may be required to start taking minimum distributions from your qualified retirement plan or traditional IRA once you reach age 72, if you want to avoid substantial penalties. If you do continue to work, make sure you understand the consequences. Some pension plans base your retirement benefit on your final average pay. If you work part time, your pension benefit may be reduced because your pay has gone down. Income from a job may affect the amount of Social Security retirement benefit you receive if you are under normal retirement age. But once you reach normal retirement age, you can earn as much as you want without affecting your Social Secu-
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rity retirement benefit. Facing a shortfall What if you’re nearing retirement and you determine that your retirement income may not be adequate to meet your retirement expenses? If retirement is just around the corner, you may need to drastically change your spending and saving habits. Saving even a little money can really add up if you do it consistently and earn a reasonable rate of return. And by making permanent changes to your spending habits, you’ll find that your savings will last even longer. Start by preparing a budget to see where your money is going. Here are some suggested ways to stretch your retirement dollars: • Refinance your home mortgage if interest rates have dropped since you obtained your loan, or reduce your housing expenses by moving to a less expensive home or apartment.
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• Access the equity in your home. Use the proceeds from a second mortgage or home equity line of credit to pay off higher-interest-rate debts, or consider a reverse mortgage. • Sell one of your cars if you have two. When your remaining car needs to be replaced, consider buying a used one. • Transfer credit card balances from higher-interest cards to a low- or no-interest card, and then cancel the old accounts. • Ask about insurance discounts and review your insurance needs (e.g., your need for life insurance may have lessened). • Reduce discretionary expenses such as lunches and dinners out. By planning carefully, investing wisely, and spending thoughtfully, you can increase the likelihood that your retirement will be a financially secure one.
Golden Gazette • November 2020 • Page 23 “Party knows no impulse but spirit, no prize but victory. It is blind to truth, and hardened against conviction. It seeks to justify error by perseverance, and denies to its own mind the operation of its own judgment. A man under the tyranny of party spirit is the greatest slave upon the earth, for none but himself can deprive him of the freedom of thought.” - Thomas Paine, The Opposers of the Bank, 1787 Hot Dog! - The Oscar Mayer Wienermobile came to Lubbock and “linked up” with Lubbock Meals on Wheels in October during the annual “coast-to-coast wienie roast” and their mission to drive miles of smiles. The Wienermobile delivered a route for Meals on Wheels. Two additional routes have been added to Meals on Wheels deliveries. Volunteers are always welcome to help deliver to the 890 clients. Call 806-792-7971 to volunteer.
Hub City BBQ Cookoff award winners The Lubbock Chamber of Commerce Hub City BBQ competition-only event awarded local businesses with awards for best BBQ in the Hub City. The competition categories included: Bloody Mary, Ribs, Chicken, Ribeye, Other, and Dessert. The following teams were recognized for their cooking efforts: BLOODY MARY 1. West Texas Land Guys 2. High West Smokers 3. Lubbock Electric 4. Overhead Door #2 5. LP&L “BBQ Brawlers” 6. KTBlack 7. Vitalant 8. United Supermarkets/Market Street 9. Overhead Door #3 RIBS 1. Prosperity Bank #2 2. Impact Collision Center 3. United Supermarkets/Market Street
4. LP&L 5. Prosperity Bank 6. KS Supplies 7. Lubbock Electric 8. Hard as a Rock Concrete 9. Sedona OTHER 1. Vexus 2. United Supermarkets/ Market Street 7. Bushland Springs 3. West Texas Golf Cars 8. Overhead Door #2 4. Great Plains Distributors 9. Overhead Door #3 5. First United Bank 6. Prosperity Bank #2 CHICKEN 7. Bushland Springs 1. Prosperity Bank #1 8. Raider Flooring #1 2. Bushland Springs 9. Raider Flooring #2 3. Great Plains Distributors 4. Edge Concepts DESSERT 5. Yates Flooring 1. United Supermarkets/Mar6. David Jordan Homes ket Street 7. Hard as a Rock Concrete 2. West Texas Golf Cars 8. Plains Cotton Cooperative 3. KS Supplies Association 4. Great Plains Distributors 9. KS Supplies 5. Edge Concepts 6. Overhead Door #1 RIBEYE 7. Lubbock Mom’s Blog 1. Yates Flooring 2. United Supermarkets/Mar- 8. Vexus 9. Two Circle G Tile Comket Street pany 3. West Texas Golf Cars 4. Hard as a Rock Concrete 5. Great Plains Distributors 6. Yates Flooring
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Page 24 • November 2020 • Golden Gazette
‘We Kept ‘Em Flying’ exhibit at Silent Wings A new exhibit is open at the Silent Wings Museum, We Kept ‘Em Flying: Essential Personnel of the WWII Military Glider Program. The exhibit explores the essential role of United States Army Air Forces glider mechanics and ground crew in glider operations. Artifacts and information from the Silent Wings Museum collection illustrate the contributions of essential support personnel to the World War II Military Glider Program. These often anonymous
military support personnel, including glider mechanics, ground crew, and base personnel worked behind the scenes at South Plains Army Air Field, other U.S. training bases, and in the overseas theaters of World War II to make the glider program possible. The exhibition will be open to the public through June of 2021. The Silent Wings Museum is open Tuesday through Saturday 10 a.m. to 5 p.m., Sunday 1 to 5 p.m. Admission for those 60+ is $8; other fees range from $5 to $10.
Garrison Institute on Aging
“Brain Health During the COVID Pandemic” John W. Culberson, M.D.
Associate Professor of Famly & Community Medicine, UMC Bernard T. Mittemeyer, M.D. Endowed Chair in Geriatric Medicine Program Director, Geriatric Fellowship TTUHSC
When: Wednesday, Nov. 18 from 3 to 4 p.m. Where: Your favorite chair / Webinar For more information, call 806.743.7821
Call to RSVP and get Zoom link
www.ttuhsc.edu/garrison Follow us on Facebook @getfitlubbock
SAVE THE DATE FOR THE NEXT LECTURE SERIES: January 27, 2021
LCWC will not meet in November The Lubbock Christian Women’s Connection will not meet in November for the luncheon. They hope to be able to meet in December. “I never submitted the whole system of my opinions to the creed of any party of men whatever in religion, in philosophy, in politics, or in anything else where I was capable of thinking for myself. Such an addiction is the last degradation of a free and moral agent. If I could not go to heaven but with a political party, I would decline to go.” - Thomas Jefferson letter to Francis Hopkinson, 1789
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