1st All Saints Day
1st-2nd Dia de los Muertos
4th First Friday Art Trail
4th-5th Holiday Extravaganza
5th Roundtable
6th Daylight Saving Time ends
8th Election Day
8th Pilgrimage to Freedom Christian Women
9th RSVP Fall Forum
Veterans Day
New Neighbors
14
fall back one hour
13th St. John’s United Methodist celebration
16th-20th Holiday Happening
Thanksgiving Day
Hub City BBQ Cookoff winners
Texas Tech Football Schedule
At the Cactus Theater
Early voting: through Nov. 4. Election Day: Nov. 8 For more information on voting in Lubbock County, go to www.votelubbock.org. For more information and resources for voting in Texas, visit VoteTexas.gov. Here is a link to a short video on how to use the voting equipment. https://www.votelubbock.org/voter-education/voting-system/
ter, 3601 4th St.
Medicare open enrollment Oct. 15 to Dec.
each year
Hospice & Palliative Care month
National Alzheimer’s Awareness Month
Caregiver Month
An Alzheimer’s Aware ness Fair is set for Nov. 9 with registration beginning at 8:30 a.m.
Several speakers will pres ent during the RSVP Fall Forum which will conclude at 2 p.m.
Carol of Lights
7 p.m.
of Lights Run
Dec.
The free event for those 55 and over will be held at the TTU Health Sciences Center Academic Event Cen
A free lunch will be served by River Smith’s. RSVP to 806-743-7821 for lunch reservations.
November is National Al
zheimer’s Awareness Month. The forum is sponsored by RSVP (Retired & Senior Volunteer Program) in col laboration with the TTUHSC Garrison Institute on Aging.
Comfort Keepers of Lubbock and Lubbock Meals on Wheels have wrapped up the 12th Annual Feed Seniors Now event benefiting Lubbock Meals on Wheels’ Weekend Meal Program.
The program provides weekend sacks to clients in Lubbock and Wolfforth who have no access to food or assistance on weekends.
Because of the growing need, Lubbock Meals on Wheels is now providing weekend assistance to 42% more seniors than this time last year.
This year’s event has raised more than $26,000 and 21,000 pounds of food. These donations are crucial to supporting the growing Weekend Meal Program.
Fall conservation tips
1. Change your sprinkler schedule. Lawns need less irrigation during cooler months.
2. Check for indoor/outdoor leaks before freezing temps arrive.
3. Cover all outdoor faucets and insulate exposed pipes.
4. Plant drought-tolerant trees and perennials that will use less water.
5. Redirect downspouts to capture water.
6. Invest in a rain barrel.
Tips from HPWD, High Plains Underground Water Conservation District
In 1959, Brooklynite Len ny Lipton was a 19-year-old sophomore at New York’s Cornell University.
One spring night, the en gineering major planned to meet for dinner with his friend Lenny Edelstein, a campus pal who roomed with a folk-music-playing student named Peter Yarrow.
To kill a little time that afternoon, poetry-loving Lenny wandered over to the library at the Cornell Student Union—and consequently changed his fortune.
There he selected a vol ume of poems by humorist Ogden Nash. (Lipton had always been drawn to Nash’s droll, playful works.)
One particular Nash cre ation caught Lipton’s eye. “The Tale of Custard the Dragon” was a 1936 tale that
involved the end of child hood, something which had been on Lenny’s mind as of late.
He re-shelved the book and headed for his friend’s house in the Collegetown
fully formed, and he wanted to write them down before they faded from his mind. Nobody was home, but the door was unlocked, so Lenny let himself in, rolled a sheet of paper into Peter’s type
would, in time, become the world’s most beloved dragon.
Lipton later blamed some Puff problems on gossipy New York journalist Doro thy Kilgallen, who in 1964 charged that Lenny’s ode contributed to the growing drug culture.
“The Puff story is really just a lot like Peter Pan. [It’s about the] loss of innocence and having to face an adult world…I find the fact that people interpret it as a drug song annoying.
It would be insidious to propagandize about drugs in a song for little kids.”
area. As he strolled into town, Lenny created his own poem about a dragon, an imaginary and ageless crea ture named Puff, who lived for a while in the heart and mind of a young boy named Jackie Paper.
By the time Lipton reached the Edelstein-Yarrow house, his verses were
writer, and typed furiously for three minutes to create “Puff the Magic Dragon.” Lipton then left his poem in Yarrow’s machine and promptly forgot about it.
Puff the magic dragon lived by the sea
And frolicked in the au tumn mist
In a land called Hana Lee
When Yarrow saw the work later, it struck him that Lipton’s words could easily become a catchy folk ditty.
Yarrow wrote it as “Puff (the Magic Dragon)” and, once he became a part of the supergroup Peter, Paul and Mary, he began including the fantasy yarn in the fastrising trio’s act.
In early 1963, Yarrow made sure that Lenny re ceived writer’s credit when the melancholy tune be came the first million-selling single for the trio.
Strangely, Lipton had forgotten all about his offthe-cuff creation about what
Eventually rumors spread that Jackie Paper referred to rolling papers for marijuana cigarettes and that Puff meant taking a “puff” on a joint.
When asked about the real meaning, Lipton scoffed.
In Peter, Paul and Mary concerts, as Peter Yarrow picked the opening guitar notes of “Puff,” he would sometimes smile and ex plain, “This is a song about a dragon… It’s not about any thing else…Just a dragon…”
Lubbock Christian Women’s Connection Luncheon, “It’s a Turkey Trot,” is set for Nov. 8 from 11:30 a.m. to 1:30 p.m. at the Lubbock Country Club, 3400 Mesa Drive.
Men are also invited to the event.
The program will be Bill Fuller speaking on “My Pilgrim age to Freedom.”
A special feature will be Leslie Glenn with Fyzical Ther apy & Balance Centers.
RSVP by noon, Nov. 4 to lubbockCWC@gmail.com or to Sharen at 806-392-0264.
Cost for the luncheon, program and door prizes is $20.
Celebracion 2022 features a retrospective of works from artists which will be on display at the Buddy Holly Center, 1801 Crickets, through Nov. 13.
Celebracion is an annual invitational exhibition of artwork that explores the history and meaning behind Dia de los Muertos (Day of the Dead).
An ancient way to celebrate the souls of the departed, it is observed each year in Mexico around All Souls Day, Nov. 2.
Representatives from the Lubbock County Historical Commission and St. John’s United Methodist Church announced that St. John’s has been awarded an official Texas Historical Marker.
A celebration of the occa sion begins with a worship service at 10:30 a.m. Nov. 13 at the church, 1501 Uni versity Ave., followed by the unveiling around 11:30 a.m. and catered lunch in the church’s Garden Room.
The service also will stream on YouTube and Facebook.
An RSVP is required for the lunch by calling the church office at 806-7620123 or online at www. stjohnslubbock.org.
“I’m thrilled that St. John’s is being honored with a historical marker,” said Rev. Josh Stueve, senior
St. John’s history began at the 1939 Annual Confer ence, when Bishop Ivan Lee Holt announced that a new Methodist Church would be established near the campus of then Texas Technological College.
The 14-year-old college boasted a record enroll ment of 3,896. Texas Tech students, faculty and staff were almost 15 percent of the Lubbock population of 31,853.
The need for a church to serve Texas Tech’s Method ist faculty and students was widely discussed.
Preston Smith, who would become a charter member of the new church, was approached about lending the
also designed Lubbock High School, designed the new church and supervised its construction.
Celebration service set fot 10:30 a.m. Nov. 13 at the church pastor at St. John’s. “As we reflect on our past, we are inspired to move forward, serving the community of Lubbock through the love of Christ.”
chairs in the fellowship hall since the sanctuary was not included in the initial building phase.
As the congregation ex panded, the physical pres
Tech Theater at College Av enue and 13th Street for ser vices until a building could be built.
The Rev. R. Luther Kirk was appointed to “the church that was not,” and the first service was held at the the ater on Dec. 10, 1939. About 65 people attended the ser vice.
In January 1940, stewards and trustees set about the business of organizing and financing the new church. St. John’s continued to meet in the Tech Theater or occa sionally in Seaman Hall, the Episcopal student center.
Construction began on a building in June, when the church took out a loan for $6,000. With contributions and additional financing, the final cost for the lots and building at 14th and Ave. X was $8,914.
W.L. Bradshaw, profes sor of architecture who had
Throughout World War II and the post-war years, St. John’s experienced tremen dous growth and was in a constant crisis of inadequate facilities, at times drawing a congregation of 1,000 at a building designed for 250. Planning for a new, larger church began as early as 1944, when lots were pur chased facing College Av enue at 15th Street.
Groundbreaking for the first phase of a new building was held on Sunday, July 15, 1951. Several ministers participated in the ceremony, while music was provided by the church organist playing from a flatbed truck.
James G. Allen, chair of the building committee, turned the first spade of dirt along with the presiding ministers.
The first service in the new building was on Sept. 2, 1952, held on folding
ence of St. John’s was en larged to include Sunday School rooms, a sanctuary enlarged multiple times, choir basement, green space enclosed as the Garden Room, all culminating in a major renovation of the sanc tuary in 1991.
An excerpt from the church’s 75th anniversary celebration notes, “From the beginning, St. John’s has been a congregation with a tremendous sense of civic responsibility and deep concern for those in need in Lubbock and the world.
“In its 75 years, the church, through organized outreach efforts; groups such as United Methodist Women and United Methodist Men, youth groups, and the dedi cation of individual members with passion for a cause has helped countless individuals and groups.”
St. John’s,
Enjoy the spirit of the season with an evening run on the campus of Texas Tech University on Dec. 4.
The family-friendly event will have you amazed at the more than 25,000 colored lights that illuminate many buildings on campus.
Register by Nov. 17 to be guaranteed a race T-shirt.
The longer course (5K) will have runners enjoying a lap through Jones AT&T Stadium. Carolers will entertain the runners along the course.
After crossing the finish line, all runners will enjoy hot chocolate that will provide a warm treat on a cold winter’s night.
Consider bringing an item for the Ronald McDonald House Charities of the Southwest.
Race day packets must be picked up at Cardinal’s Sports Center, 6524 Slide
Road, between 11 a.m. and 2 p.m. Dec. 3. Race day schedule:
Texas Tech campus, near the Chemistry building & Memorial Circle 5 to 6:15 p.m. late race registration (near Chemistry building)
6:45 p.m. – 5k race begins 6:50 p.m. - 1-mile race begins
Dasher – 5k or 1-mile – ages 13 and over – early registration is $35; race day is $40.
Elk – 5k or 1-mile – ages 12 and under – early registration is $25; race day is $30.
Volunteers are need for packet pickup, water stops, finish line, course support, and more. Volunteers receive official race shirts, goodies, and a West Texas Endurance thank you on behalf of the athletes. If you volunteer as a
group, your logo will be placed on the website.
To volunteer, email team@ westtexasendurance.com.
A quick and tasty snack mix that can be tossed together and enjoyed instantly while you are on the go. No cooking required.
• 2 cups crispy rice or wheat cereal squares
1/2 cup roasted whole pumpkin seeds
1/3 cup slivered almonds
1/2 cup dried cranberries
1/2 cup raisins
Wash hands with soap and water. Mix all ingredients together and serve. 8 servings
Committed to providing you with the best possible care, compassion, and respect in a safe and comfortable setting.
Serving you today for a healthy tomorrow.
2431 S. Loop 289 806-771-8008 6202 82nd St. 806-687-8008 4138 19th St. 806-780-2329
12115 Indiana Ste. 2 806-993-5041
2431 S. Loop 289 806-771-8010
Best trained & friendliest staff in Lubbock.
Top of the line equipment, classes, cardiovascular machines, indoor walking track, free weight equipment, heated pool and hot tub, underwater treadmills, and more!
Providers of the Silver&Fit and SilverSneakers tness programs
Call for class schedules: 806-771-8010
1506 S. Sunset Ave. in Little eld 806-385-3746 www.PhysicalTherapyToday.com www.WellnessTodayLubbock.com
On a recent visit to the 50th Street Market Street produce department, my friend, Ruben, and my friend, Crystal, the assistant manager, and other wellinformed staff, updated me on the fall season produce available.
Even though strawberries and other berries are usu ally abundant during spring and summer months, some can be available during “off season” because of imports from Mexico and other countries.
Crystal said blueberries are now grown in East Texas. Who knew?!
If you can’t find fresh berries, there are many great brands in the frozen section.
Now, for all those wonder ful fall and winter fruits in season to reignite our taste buds.
First, there’s an abun dance of apples and pears. Some varieties of apples I’ve never heard of, but here is
what is in stock now: Fuji, Honey Crisp, Granny Smith, Red Delicious, Royal Gala, Sweetie, Pink Lady, Jazz, First Kiss, Envy, SweeTango, and the ever popular McIntosh. I did not see any Golden Delicious. They may arrive later in the season –stay tuned.
There is an abundance of pears to choose from including Green D’Anjou, Bosc, Grown Apple, Red, and Bartlett. A couple of newbies, at least to me, are Honey Bear, Honey Cub bies (a type of Honey Crisp Apples), and a HUGE Apple Pear from Signature Farms, which comes 3 per package. Each one could serve 3 or 4 easily.
Cider anyone? 3 flavors are in stock – organic unfil tered Signature brand 100% juice, Apple Cider, and Top of Texas brand from our Idalou neighbors. All are delicious.
Next of interest is a va
riety of “exotics.” One is called “Jack Fruit,” and looks like something from outer-space. It’s definitely aesthetically challenged. Crystal, the assistant man ager, told me that once it is cut, the fruit tastes similar to pineapple.
Also, among those un usual fruits include mangoes, papayas, two varieties of dragon fruit, guavas, and passion fruit.
Ruben told me pineapples come in all year long. Another all-year is that loveable cute kiwi. There were some beauties in the same area with the exotics.
I asked Ruben what items will be available in Novem ber, since several arrived in October. He said pump kins and several varieties of gourds will be plentiful and in different sizes.
Also coming in Novem ber are bagged cranberries which can be frozen very well in their bag. Also look
Please shop small.
Shop with local small businesses. For many small businesses, it’s now or never. We’re counting on you!
for pomegranates, acorn and butternut squash, and for those yummy Red Velvet Yams or Garnet Yams. They have a short season, so don’t lose out.
Now for my surprising finds. One newbie is Sweet ie. Since all the bagged apples had special pricing I decided on Sweetie. OMG! It’s juicy, sweet, firm, and absolutely delicious.
I made a dessert in a skil let with butter, brown sugar, cinnamon, golden raisins, pecans, some OJ, and two sliced and peeled Sweeties –so yummy – and the apples did not turn to mush.
The next great find is the
navel orange from Chile. These are huge, juicy and sweet.
Grapes are always avail able; however, some citrus are seasonal – i.e. tangerines, tangelos, and clementines.
I hope all this info will make your Thanksgiving shopping in the produce de partment a lot easier.
‘til next time, Happy Thanksgiving to everyone… Cathy
Update: Remember those compound butter patties? Mr. Rodriguez at the Food King on 82nd and Slide has added mesquite flavor to the butter patties. OOTW! (out of this world).
Nov. 5 Rockin’ & Romancin’...’50s, ’60s, ’70s Nostalgia Nite
Nov. 8 Classic Cinema: “The Best Years of Our Lives” (1946)
Nov. 9 Sunny Sweeney: Texas Songbird - Singer-Songwriter
Nov. 12 An Evening with Jaston Williams
Nov. 19 & 20 Todd Oliver and Irving (Ventriloquism)
Nov. 22 Classic Cinema: “Paper Moon” (1973)
Nov. 26 Sounds of West Texas: Home for the Holidays
December
Dec. 3 Skip Ewing Christmas
Dec. 6 Classic Cinema: “Meet Me in St. Louis” (1944)
Dec. 7 Celtic Angels Christmas
Dec. 9 David Gaschen: A Celebration of Christmas Dec. 10 Will Hearn’s The Grand Ol’ Christmas Show
Dec. 11 & 12 Michael Martin Murphey’s Cowboy Christmas Dec. 14 Dailey & Vincent Christmas
Dec. 23 A Blackwater Draw Christmas
Cactus Theater 806-762-3233
CactusTheater.com
If you missed the Health Sciences Center Medication Cleanout, it is not too late to clean out those cabinets.
Several drop-offs are available year-round (no sharps please) in Lubbock and the surrounding area.
Covenant Health Pharmacy, 3615 19th St, 1st Floor, 806725-7979
CVS, 3402 Slide, 806-797-8840
CVS, 3402 50th St., 806-797-4444
Walgreen’s, 4847 Slide Rd., 806-792-8267
Driscoll Pharmacy, 816 Frontage Rd. Idalou, 806-2922561
CVS, 1801 West 5th St. Plainview, 806-291-0031
CVS, 402 College Ave. Levelland, 806-894-8521
Lamb Healthcare Center, 1500 S. Sunset Ave. Littlefield, 806-385-6411
Tahoka Drug, 1610 Main St. Tahoka, 806-561-4041
The program for the Roundtable meeting on Nov. 5 is about the Ports to Plains Alliance with Duffy Hinkle as the speaker.
RSVP as soon as pos sible to MEvans1398@aol. com and include your phone number.
The meeting is from 11 a.m. to 1 p.m. at Carillon Se nior Living in the Cimarron Room next to the main din ing room. Send your RSVP $15 check made to Round table or cash, plus anything extra that you would like to give for the Scholarship Fund.
In the mid 1990s, elected officials and civic leaders in Lubbock, wanted to improve U.S. 87/287 to the north and south of U.S. Interstate 27 between Lubbock and Amarillo. The goal: to capture the economic benefits of trade
along the north and south corridors to support increas ing trade opportunities.
Today, there are three federally designated High Priority Corridors on the National Highway System of the Ports-to-Plains Alliance. Collectively, the U.S. cor ridors traverse through more than 2,300 miles through nine states. 963 miles are in Texas.
Duffy Hinkle, vice presi dent at Ports-to-Plains, will be discussing this along with recent activities, successes, and future initiatives.
Lubbock Economic De
velopment Alliance Presi dent/CEO John Osborne serves as chairman for the Ports-to-Plains Alliance and Lauren Garduño was recent ly hired as President/CEO. The November meeting will be the last meeting be fore the December meeting when scholarships will be awarded to two students in the Honors College at Texas Tech. To donate to the schol arship fund, just add whatev er amount you’d like to your check for the luncheon. Two students will be at the Dec. 3 meeting along with the new dean, Dr. Jill Hernandez.
The eighth-graders will be presenting Shakespeare’s Hamlet in the church basement Friday at 7 p.m. The congregation is invited to attend this tragedy.
Weight Watchers will meet at 7 p.m. at the First Presbyterian Church. Please use large double door at the side entrance.
The associate minister unveiled the church’s new campaign slogan last Sunday: “I Upped My Pledge - Up Yours.”
We specialize in:
• Physical, Occupational & Speech Therapy
• Stroke Recovery Care
• Orthopedic Rehabilitation
• Diabetes Symptom Management
• Stroke Therapy
• Wound Care
• Pain Management
Lubbock music is as di verse as the people of the South Plains. From country to hip hop, rock to Cumbia, the 2022 “Lubbock Music NOW” album features some of the best musicians and songwriters in the area.
The 2022 album is available on Spotify, Apple Mu sic, Amazon Music and dozens of other streaming services. The hard copy of the CD is available for pur chase through Select-a-Seat.
For long-time musician and music producer Don Caldwell, the Lubbock Sound is on full display on the 2022 “Lubbock Music NOW” album.
“There is something inde scribable about the energy that is embodied in the music that comes out of West Tex as,” he said. “I think it has to do with the environment and the influences around us that our musicians have a particular energy you don’t find other places.”
Musician and songwriter Dustin Garrett agreed with Caldwell.
“The Lubbock Sound is created by a diverse group of people who are living the dream and going for it. There are so many different genres of music here. One thing I always say about Lubbock is that this is the place to hone
your craft before taking it out to the world. It’s a place to gain respect for what you do.”
The Lubbock Sound is personified in the music of the late Mike Pritchard, the first artist to be honored posthumously on a “Lub bock Music NOW” album. Pritchard died last year at 69.
“Mike Pritchard was icon ic on the local music scene,” Caldwell said. “He did origi nal music and cover music; he had different types of bands. He was a gift to Lub bock music.”
All songs on the album are original and professionally produced. Songwriters who
do not themselves perform, submit entries by asking a performer to record the song. Musicians and songwriters that live within a 100-mile
radius of Lubbock and have played two paying gigs in Lubbock within the last two years are eligible to submit one song for consideration.
Each artist selected may opt-in for inclusion on the Lubbock Airport’s Live Mu sic roster and/or perform on the Fox34 “Lubbock Music NOW” TV special.
The final selections for the album are made by a panel of past and current members of the Texas Branch of the Recording Academy (Texas Grammy Board). Judges do not know the names of the performers or songwriters.
The cover art for the 2022 Lubbock Music NOW CD was designed by Dirk Fowl er, an associate professor in the School of Art at Texas Tech University. He is a world-renowned graphic designer and a founding father of the “Offset Rock Poster Revival.” His letterpress concert posters are collec
November is here and we are feeling the need to get together with family and friends. The air conditioner is off, and the shorts and flip flops are put away. There are lots of important dates in No vember for us to remember, reflect and rejoice. Daylight saving time ends Nov. 6 (fall back one hour), Election Day is Nov. 8 , Veterans Day is Nov. 11, Thanksgiving Day is Nov. 24, and Nov. 25 is “Buy Nothing Day.” Take a breath; December is just around the corner.
Texas Tech University Health Sciences Center and the Garrison Institute on Ag ing will host several events in November for Alzheimer’s Awareness Month. There are several different types of dementia, and most are categorized into 4 different
types: Alzheimer’s, Fronto temporal, Lewy Body, and Vascular. Symptoms vary and each can have unique traits. The Garrison Institute on Aging will have several sessions that will provide information on diagnosis and services that are available.
• Nov. 2, noon, Dr. John Culberson will present ‘Nav igating the Dementia Maze.’ This event is part of the Care Partner Academy and is held at the SW Campus, 6630 S. Quaker Ave. Suite G. Event is free and open to the pub lic.
• Nov. 9, Alzheimer’s Awareness Health Fair will be held at the Academic Event Center, 3601 4th St. The event will be hosted by RSVP and the GIA. Reg istration will begin at 8:30 a.m. with the first session at 9 a.m. and end at 2 p.m. Several professionals from Texas
ByTech and the Health Sciences Center will speak on health topics.
Several local vendors will be there to help you with services you might need. A light breakfast and lunch will be provided. Reservations are required. Call 806-743-7821 to reserve your spot.
All of our sessions are free and open to the public. For information, contact the of fice at 806-743-7821.
The Lubbock RSVP assists seniors (55 or older) with volunteer opportunities in the community. There are numerous non-profits that can utilize your time and tal ents. This includes Lubbock Meals on Wheels, South Plains Food Bank, Friends of the Library, hospitals, Catholic Charities, hospice providers, and so many others. For opportunities in the
Lubbock area, contact Susan at 806-743-7787.
The following are some of my favorite November jokes.
• What do lawyers wear to court?
• How does the moon cut his hair?
Eclipse it.
• Why did the cranberries turn red?
Because they saw the tur key dressing.
• What is the most musi cal part of a turkey?
The drumstick
• What did the baby corn say to mama corn?
Where’s popcorn?
Do not wait until the fourth Thursday in Novem ber to sit with family and friends to give thanks. Make every day a day of Thanks giving. ~ Charmaine J. Forde
Mark your calendar for the New Neighbors Club Game Day and Silent Auc tion.
It will be held Nov. 11, at Hillcrest Country Club. Start time is 10 a.m., and lunch will be served around noon.
Games include Bridge, Canasta, Pennies from Heav en, Samba and Shanghai Rummy. This event is open to members and non-mem bers.
Reservations are required, and the deadline to sign up for the event is Nov. 6. Cost is $30 which includes lunch and prize money.
Members and non-mem ber can text Gail Branum at 806-543-2949 to RSVP.
View the directory online:
www.WordPub.com/grd1.html.com
Or have a Golden Resource Directory mailed to you. send $3 to: Word Publications 2022 82nd St. #101 Lubbock, TX 79423
Include an address to mail the directory to.
Need assistance, help or information, and don’ t know where to look?Garrison Institute on Aging TEXAS TECH HEALTH SCIENCES CENTER
2022 82nd St. #101, Lubbock, TX 79423
‘For I was hungry and you gave me something to eat, I was thirsty and you gave me something to drink, I was a stranger and you invited me in.’
Politicians and others will shortly flood the airwaves with messages to go vote.
‘I don’t know enough.’
‘They don’t care.’
‘What difference does it make?’
‘It doesn’t affect me.’
All those things may have some truth, but should voting or life in general, just be about how it impacts you?
Over 50 people, includ ing five children, died in a
tractor-trailer near San An tonio this past June. Anyone should admit they are not living up to the values of the verse above if they think ‘il legals’ deserve such a fate. These people were just looking for a better life. Often fleeing cartel violence or natural disasters or extreme poverty.
‘Love your neighbor’ or ‘Do unto others’ is often thrown out the window by
our supposed Christian lead ers. If you don’t think the FED government has enough money to help the situation, look into a great book called ‘The Deficit Myth.’ If you don’t think there’s enough food, look in any dumpster behind a grocery store or restaurant. If you don’t think there’s enough housing, there are 17 million vacant homes in America.
This isn’t liberal dogooderism, this is basic hu man decency and having the courage to vote for different people that uphold those values.
Nathan Lewis Independent Candidate for US Congressional District #19Younger Americans will have trouble believing this, but there was once this guy named Walter Cronkite, who would read the news on television every week night.
He didn’t seem to have an agenda, or try to make anybody look bad, or good. He would just read the news, and then, get this, we would all just make up our own minds about what
He didn’t interview smarmy* opinionated talking heads. He just read the news, matter of factly, and then he would just sign off and shut up. I’m not making this up. It used to happen every day.
* Smarmy describes someone who is overly flattering & fake.
✤ Tip your server.
✤ Return your shopping cart.
✤ Pick up a piece of trash.
✤ Hold the door for the person behind you.
✤ Let someone into your lane.
Small acts can have a rip ple effect. That’s how we change the world.
Always be willing to truly consider evidence that con tradicts your beliefs, and admit the possibility that you may be wrong. Intelligence isn’t knowing everything, it’s the ability to challenge everything you know.
Lubbock,Texas 806-744-2220
GOLDEN GAZETTE is pub lished monthly by Word Pub lications, 2022 82nd St., #101 Lubbock, Texas 79423.
News items, letters to the editor, photographs, & other items may be submitted for publication.
All letters must include the writer’s name, address and telephone number. Anonymous letters will not be published. If chosen for publication, only your name and city will be printed with your letter. We prefer letters that are fewer than 200 words. Letters may be edited for clarity, factual in formation, and length. Personal attacks on individuals will not be published.
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For a subscription, send a check to Golden Gazette, 2022 82nd St., #101, Lubbock 79423. $30 for one year, or $60 for 2 years.
View the Gazette online: www.wordpub.com
(Continued from Page 8) tor’s items.
Sponsors for the Music NOW 2022 project are Or lando’s, Caprock Café, Sysco West Texas, City Bank, South Plains College, Loyd & Karen Turner, Tarpley Music, Jim Douglass, Sammie Prather, and an anonymous donation in memory of Mike Pritchard.
The artists/songwriters se lected for the 2022 album and the title of the songs are:
• Alicia Morgan “Fade”
• Jake Pyeatt “Wherever You Go”
• Dustin Garrett “If I Lose My Voice”
• Brandon Bartee “Right Where You Want Me”
• Janette B “Great Defend er”
• Gunner Fore & the Inter state “Hope”
• Richard Bowles “Teach Me How to Cry”
• Cary C. Banks “Don’t Look Back”
• Spur 327 Band “West Texas Roots”
• Wade Parks “Go, Fight, Fall”
• Ron Riley “Hold Your Mouth Right”
• Jason Nutt & Highway 70
“Until The Next Time”
• El No Pos Wow “Sonia La Cumbiandera”
• Bryson Dunn “Feels Like Home Again”
• Kameryn Stanaland “Brighter Skies”
• Jonny Keys “Yes Sir”
• Chris Bone Garza “Hustle N My Bloodline”
• Mike Pritchard “Don’t Leave Her Crying in The Night”
Groundbreaking for the first phase of a new building for St. John’s United Methodist Church was held on Sunday, July 15, 1951. Several ministers participated, while music was provided by the church organist playing from a flatbed truck. James G. Allen, chair of the building committee, turned the first spade of dirt along with the presiding ministers.
(Continued from Page 4)
“Virtually every Sun day School class and every church group has helped nu merous community organizations. Wherever St. John’s members have seen a need, they have been there ready to help.”
The 75th anniversary notes continue, “The people
of St. John’s have always been imbued with what has been called ‘a loving energy’ and continue to adhere to the mission stated in 1983 to ‘ask the difficult questions and commit to searching for and being a part of the answers in seeking a deeper faith through obedience to Christ. There will be more
challenges, more needs to be met, and new avenues of suf fering and happiness.’
As one member noted in the 50th anniversary his tory of St. John’s, “The great challenge for the future will be to follow that way and to continue responding with love and energy to whatever lies ahead.”
Nov. 5 TCU Fort Worth
Nov. 12 Kansas Lubbock
Nov. 19 Iowa State Ames, Iowa Nov. 26 Oklahoma Lubbock Sports tickets 742-4412, 742-TECH, www.texastech.com, athletic.tickets@ttu.edu
From a teacher: I like to keep a corner of my classroom as a safe place for crying or tantrums. Now I just have to make a spot for the kids, too.
Being rude is easy. It does not take any effort and is a sign of weakness and insecurity. Kindness shows great self-discipline and strong self-esteem. Being kind is not always easy when dealing with rude people. Kindness is a sign of a person who has done a lot of personal work and has come to a great self-understanding and wisdom. Choose to be kind over being right, and you’ll be right every time because kindness is a sign of strength.
The Holiday Extravaganza is set for 9 a.m. to 6 p.m. Nov. 4 and 10 a.m. to 1 p.m. Nov. 5. Items for sale will include themed baskets, wreaths, baked goods, jams & jellies, and raffle items. The event is held each year to benefit Lubbock Meals on Wheels. Community Christian Church is at 96th Street and Indiana Avenue.
Thirty years ago, Backyard Mission roofed its first house, September 1992. The lady in the house was a client of Adult Protective Services, and they provided the materials. Backyard Mission provided the labor.
“It has been a wonderful 30 year adventure. I had no idea what I was doing, which is why it worked. God knew exactly how to start
Laurie and her mission friend, Debbi. The old red jeep was the work vehicle.
and run a home-repair ministry. I had no preconceived idea of how things should go. I simply followed God’s lead. All glory to God. I am nothing, and God is everything.”
Thank you for walking with us, giving to us, praying for us, working for us. You have served Jesus, as you have served our people.
The lady’s house. All she owned was in the one room that did not leak
Life can be difficult if all you see is everything that’s wrong. Start focusing on what’s right, what’s good, what’s constructive. No matter what you’re facing, if you choose a positive mindset, you’ll emerge the winner. So if you want to feel better, you’ve got to think better. – Mufti Menk
I can see clearly now, the rain is gone
I can see all obstacles in my way
Gone are the dark clouds that had me blind
It’s gonna be a bright, bright sunshiny day
While the now-classic song was not autobiographical for Johnny Nash, his recording is one of the most iconic tunes of the 1970s— or any decade—and the ultimate feel-good work about overcoming adversity and reveling in the joy of new hope and courage, and the determination to move forward.
Look all around, there’s nothing but blue skies
Look straight ahead, nothing but blue skies
“I Can See Clearly Now” has been described as “soul-
ful pop” powered by a gentle undercurrent of reggae, a musical genre from Jamaica that blended local folk music
gospel and sang at the neighborhood Progressive New Hope Baptist Church.
At age 13, Johnny be-
ager/business partner Danny Sims moved to Jamaica in hopes that a new locale might rekindle Nash’s stalled career. Here Johnny met Bob Marley, a dreadlocked reggae artist who was admired but little known outside of his Kingston neighborhood.
style of music that was everywhere in Jamaica. (“Reggae represented to me a layer of rhythm that was totally infectious.”) His later 45s became UK winners, and in 1968 he reached the American Top Five with his reggae-fueled “Hold Me Tight.”
with such instruments as the guitar, banjo and hand drums. Yet little is known about the talented (and pretty much forgotten) originator of the song that ushered in a form of music new to a mainstream American audience.
John Lester Nash, Jr., was born in Houston in 1940 to a homemaker and a chauffeur. A good-looking, well-mannered child, he was raised on
gan performing on Matinee, a Houston afternoon program that helped to break down the color barrier on local television. Within three years, he was earning more money than his father.
Signing on to the ABCParamount label, Nash became a successful recording artist at age 17. His first release fizzled, but his second single of “A Very Special Love” rocketed into the national Top 25 on the Billboard charts. Movie work soon followed. In 1958, he won the lead role in a film called Take a Giant Step, in which he portrayed a black high schooler struggling in a white neighborhood. Two years later, Johnny appeared as a gang member in the movie “Key Witness.”
Back in the recording studio, he eschewed rock ’n’ roll in favor of urbane ballads, much in the style of Johnny Mathis. By the mid1960s, though, Nash found himself out of work and pretty much overlooked.
In 1965, he and his man-
Johnny immediately acknowledged Marley’s songwriting talent, and an introduction to Sims resulted in Johnny and Danny becoming the future superstar’s managers.
Johnny loved the new
Four years later came the disc that would catapult him to global stardom when he wrote, sang and produced “I Can See Clearly Now,” which sold in the millions.
Could there be a better legacy for any musician?
A wife got so mad at her husband, that she packed his bags and told him to get out. As he walked to the door, she yelled, “I hope you die a long, slow and painful death.” He turned around and said, “So you want me to stay?”
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.
will make their day, and they will make yours.
for more info.
Do you ever wonder, what should I eat today? I never had my own family, but I’ve always wondered how someone decides what to make for dinner night after night. I just please myself, not a family of five or six.
You want to offer the best in nutrition, but they all have their own taste buds, and I notice everyone wants to satisfy them. When I was a kid, it was rare to be asked, “What do you want to eat?” We went to the table to eat and ate what was placed before us. Sometimes it sounds like people think their mother is a short order cook. We just didn’t’ live that way.
My Granny always said everyone has something they don’t like. I could not tolerate turkey. My sister
did not like chicken. I never remember us being forced to eat anything, but my Granny was such a good cook, she satisfied everyone. That was her calling.
I didn’t get any of her skill in that department.
But many things have changed in the way we view food. If I had the power, I would make using seed oils against the law. Even in health food stores, they use seed oils. If you go to cureamd.com (cure macular degeneration), you find the site of Dr. Chris
Pick up a print edition at any of our 100+ locations throughout Lubbock or go online to www.WordPub.com click on “Seniors” click on “Golden Gazette” choose a ‘pdf version’ or a ‘ ip-the-page’ version.
Knobbe. He has done a fabulous job of writing the definitive book on macular degeneration and says the cause is our huge use of vegetable and seed oils. Most of you have or
So let’s look at the top 10 foods we should eat - leafy dark greens, berries, mushrooms, legumes/beans, nuts/seeds, onions/garlic, tomatoes, cabbage and other crucifers, turmeric and tea.
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know someone who has macular degeneration. It is no fun.
So what should we eat? There is a website called foodrevolution.com. They put out a top 10 list of good foods and bad foods.
We will start with the top 10 foods to avoid. If you eat a lot of these foods, then start with choosing to eat it only 3 times a week. You can choose to eat it less than that, over time, if you wish. The top 10 foods to avoid are sugar and artificial sweeteners, alcohol, fried foods, white flour, processed meats, soda, commercial baked goods, grain-fed red meat, dairy and high salt foods.
I don’t always take someone else’s list as certain. A good way to get a second opinion is to go to Dr. Greiger’s site, www.nutritionfacts. org and see what he says about those foods. Some people would say, “What else is there to eat?”
Actually there are many foods that are allowable, but we have become addicted to these foods, and that is probably why we have the highest medical bills in the world, by far, and yet we are 70th on the list of health of our citizens. Maybe we need to eat better and drug less?
I’m pretty sure I would have a different top 10 lists, but it does give you a direction to go. I’d say dark leafy greens, of which I do not eat enough of, and berries are at the top of my list. I love the greens, but they go bad quickly. I need to eat more like the Europeans or New Yorkers where they stop by the store every day to get what they want for the next 24 hours. I do eat plenty of berries because they really are some of my favorite foods.
No one is perfect with eating unless that is all they are doing. People who have jobs and families sometimes are required to get something on the run. All we can do is our best.
What I am most interested in right now is trying to avoid anything that has the seed oils or vegetable oils in it. Why? Because I have macular degeneration, and seed oils are implicated in that disease.
If you have a problem, whether it is eyesight or a fatty liver, go to Dr. Greiger’s site called www.nutritionfacts.org. I suggest his site because it all comes from research. You can search anything. He is always adding more to his site. He talks about the food and then says, “They put it to the test,” meaning they did research on the subject, and then he gives you the research. It is on video and easy to digest.
Just playing with this list, you can see where you excel and where you are a bit behind. All we can ask for is to get a little bit better as we go.
There once was a dog named Nipper, a terrier who was devoted to his master, Mark Barraud. The two were best friends and were rarely seen apart. When Mark died, his brother Francis adopted him, and after a lengthy period of mourning, Nipper became attached to Francis, who was an artist. Eventually they too developed a close relationship.
Mark and Francis lived in the latter 1800s and at that time phonographs with wax cylinders were used for recording voices and music. Some of Francis’ cylinders contained recordings of his voice, and each time he played one of his recordings, Nipper would place his head near the phonograph and look intently into it as though he was looking for his new master to appear. Nipper’s pose inspired the artist, and he painted a picture of it that became one of the most famous and recognizable brands in the world, called “His Master’s Voice.”
In Psalm 99:7 we read, “He spoke to them from the pillar of cloud.” What an unusual means of communication. Imagine walking through a field and suddenly hearing a cloud call you by name and give you a special message. Seems improbable, but that’s what God did to Moses and Aaron. And he can do that today.
Our God is constantly speaking to us in different ways at different times and from different places. He will do everything he can to
get our attention and share his message with us.
A soldier in a combat zone learned that his wife was desperately ill and not expected to live. He applied for emergency leave but was denied.
After a sleepless night, he decided he would desert his post and fellow soldiers and go to her bedside.
As he was leaving his barracks, he was apprehended and placed in the stockade.
A few weeks later he was ordered to stand trial. After the evidence was presented to the judge and jury, he was found guilty and condemned to death for leaving his post.
“I understand, Sir,” he said to the judge “that I left my post and deserted my colors. I deserve the verdict of the court.”
The judge asked, “Do you have anything more to say?”
“No, your honor,” came the reply.
“Well, I do,” said the
www.SowerM inistries.org
GUIDO EVANGELISTIC ASSOCIATION
judge. “There is something more to say.” And he read the soldier a pardon.
Standing tall and filled with gratitude, he began to weep violently for the mercy the court offered him.
In humility he offered his gratitude, and saluted the judge. He was then restored to duty and returned to combat.
But because of God’s great love, he offers a pardon through the death of his son. It was his son, who on our behalf, accepted punishment, rescued us, and set us free from the penalty of death.
Holiday Happening is set for Nov. 1620, at the Lubbock Memorial Civic Center. It offers a festive way to kick off the holiday season. The five-day event, always held the week before Thanksgiving, features more than 130 merchants, specialty ticketed events, silent auctions, and more. Holiday Happening serves as the primary fundraiser for the Junior League of Lubbock. For more information call 806-7948874 or email info@jllubbock.com.
Funding by Newby Family
Assoc. Professor of Family & Community Medicine
Texas Tech Health Sciences Center
Wednesday, November 2nd, Noon 6630 S Quaker Ave., Suite G
All sessions are in person and open to the public.
For ZOOM please use the link... https://ttuhsc.zoom.us/j/93712419544
Available by computer, tablet or phone
Hidden injuries cause pain in more places than sports ing out of the game. Workers who get hurt on the job fear loss of pay, or loss of their job. Performers who get hurt might fear that their replacement will outshine them on the stage and take their place.
It’s well known that athletes hide injuries, but they’re not the only group known to do this.
Performers like dancers keep injury secrets, and so do workers in all types of jobs.
These groups might seem diverse, but they have a lot in common when we look at the reasons they hide in juries.
Stigma is the first reason people hide injuries. There have been big improvements in the culture around sports, performing arts, and work er’s comp, but some people still have the old “no pain, no gain” attitude. To some people, reporting an injury is an act of weakness, or a way of letting the team down.
In addition to this inter nal pressure, there can also be external pressure from coaches, parents, teammates, supervisors, or fans to keep playing or working.
The second reason people hide injuries is because they’re afraid of what they’ll lose. With the focus on head injuries in recent years, ath letes who get hit in the head know if they report concus sion symptoms, they’re com
When it comes to report ing injuries, athletes have a third incentive not to report being hurt - competitive ad vantage. If an opposing team knows a player is injured, and what the injury is, they might be able to take advan tage of it. For example, if a football team has a running quarterback that has an ankle injury, it will change how the opposing defense plays.
These reasons all make some sense, but they’re also all shortsighted. Finishing a game, dancing tomorrow night, or working one more shift are never worth your long-term health. Hiding a minor injury can turn it into a major one. It’s never weak to report an injury, and you’re not letting your teammates, or co-workers down.
Low Self Esteem Support Group will meet Thursday at 7 p.m. Please use the back door.
If you’re not up to your best, you owe it to the people counting on you to let them know. Letting a healthy player, performer, or worker take your place is the right thing to do. If you’re injured, don’t hide it! Let the right people know, then go to the right person for help - your physical therapist.
Call Physical Therapy To day at 806-771-8008.
The vast majority of the nation’s 54 million adults ages 65 and over participate in Social Security (86%) and Medicare (93%) — social insurance programs designed to provide nearly-universal coverage of the older population.
But what happens when these social insurance ben efits, along with retirement payments and savings, are not enough? What about those not eligible for Social Security or Medicare?
They rely on needs-based assistance that support peo ple with limited resources.
Prior to the COVID-19 pandemic, 1 in 6 older adults participated in a wide range of needs-based assistance programs, according to an analysis of recently released data from the Census Bureau’s Survey of Income and Program Participation (SIPP).
These numbers reveal the importance of the social safety net for economically vulnerable older adults, a need that may be amplified by the economic fallout of the pandemic.
These findings provide context about the experi
The ladies of the church have cast off clothing of every kind. They may be seen in the basement on Friday afternoon.
ences of adults ages 65 and over prior to the pandemic and will serve as a baseline for comparisons as additional data become available.
We examined formal government assistance, as well as assistance offered through nonprofits, churches, and other local programs and found that older people piece together benefits from differ ent assistance programs to meet basic needs.
These needs-based assis tance programs fall into four categories:
• Health insurance through Medicaid.
• Nutrition assistance through the Supplemental Nutrition Assistance Pro gram (SNAP) or other food assistance programs.
• Shelter assistance in the form of rental subsidies, energy assistance or other housing assistance programs.
• Cash assistance through the Supplemental Security Income (SSI) program or state- and county-level Gen eral Assistance (GA) pro grams.
Who are the older Americans receiving needs-based assistance?
Among older adults get ting both Social Security and Medicare in 2019, 16% received needs-based assis tance from one of the four categories, an indication that
social insurance programs may not be enough for some older adults.
However, 9 million adults ages 65 and over did not receive both Social Secu rity and Medicare, relying on only one or the other — or neither.
Almost a quarter of these adults participated in at least one type of needs-based as sistance, highlighting the value of these benefits to those without the support of both Medicare and Social Security.
Among all adults ages 65 and over, those living alone, women, and racial and ethnic minorities were more likely to rely on needs-based as sistance:
• 27% of those living alone received at least one type of needs-based assis tance compared to 13% of those who lived with other people.
• 35% of older non-His panic Black adults and 39% of older Hispanic adults received needs-based as sistance from at least one category compared to 11% of older non-Hispanic White adults.
Medicaid was the most common type of needs-based assistance received by those
ages 65 and over. About 10% received Medicaid, either as a supplement or an alterna tive to Medicare.
Approximately 9% par ticipated in some form of nutrition assistance. SNAP was the most common type, either alone or in combina tion with other food aid.
Nearly 8% of older adults received some type of shelter assistance and 5% received cash assistance from SSI or GA. (Temporary Assistance for Needy Families is not in cluded because older Ameri cans rarely have children under age 18.)
Some of these differences reflect varying availability of each needs-based assistance program.
For example, SNAP is available to all who meet eli gibility requirements, but not everyone who is eligible applies. On the other hand, not all eligible applicants receive rental assistance because the number of rental subsidies available is limited.
Other programs, like Med icaid, have eligibility guide lines that vary by state.
Of the 1 in 6 older Ameri cans who received needsbased assistance, half re ceived just one type.
The other half received support from multiple types:
16% got three of the four types and 8% participated in programs across all four areas of needs-based assis tance.
Among the older adults receiving any needs-based assistance, Medicaid was the most common with 57% par ticipating, either alone or in combination with assistance from other categories.
Additionally, 54% re ceived nutrition assistance, 44% received shelter assis tance and 27% received cash assistance.
Needs-based assistance received from each category was at least two times more likely to be received in com bination with other types of assistance than to be received alone.
Some older adults’ needsbased assistance packages may indicate difficulty affording health care, food, shelter and other necessities.
These findings highlight the value of SIPP for ana lyzing patterns of program participation in the United States. More information about the data can be found on the SIPP website.
- Katherine G. Giefer and Michael D. King are survey statisticians in the Census Bu reau’s Program Participation and Income Transfers Branch.
Chocolate is vital for our survival. Dinosaurs didn’t eat chocolate and look what happened to them.
In 2022, Covenant Medi cal Center, in partnership with Covenant Medical Group, added several new surgical services to enhance patient care.
When it comes to lung cancer detection, patients
now have the option for a safer and minimally invasive biopsy. With Ion technology, physicians can perform robotic assisted bronchoscopy with an ultra-thin catheter, reaching all 18 segments of the lungs.
This biopsy can help phy
sicians determine if a nodule or lump is benign or cancer ous. With early detection, survival rates of lung cancer are about 50-60% higher than cancers detected at an advanced stage.
“Ion robotic bronchoscopy provides us a new way
to safely sample suspicious lesions at an earlier stage,”
Covenant Medical Group Pulmonologist and Critical Care Specialist Dr. Brian Williams said. “It’s preci sion, stability, and small diameter allows us to reach areas of the lungs that previ ously we have not been able to access.”
Ion procedures started at Covenant Medical Center in September.
Aquablation therapy is a new process/procedure that Covenant Medical Group urologists use when treating Benign Prostatic Hyperpla sia (BPH). BPH is when the prostate is enlarged, but non-cancerous, causing a blockage of the urinary tract, sometimes resulting in blad der, urinary tract, and kidney infection.
It is estimated around 40 million men in the U.S. suf fer from BPH, and the condi tion is the number one reason men visit a urologist.
Aquablation is an imageguided system that allows the surgeon to map the areas of the prostate that need to be resected using a heatfree water jet to precisely remove the excess prostate tissue without damaging the remaining tissue.
Aquablation procedures started at Covenant Medical Center in June.
Covenant Medical Group
is also upgrading its Mag netic Resonance Imaging (MRI) machine at Covenant. The machine, a 1.5T, is now the most advanced of its kind in the region. The upgrade makes for clearer imaging and faster imaging time, al lowing more patients to be treated each day.
The upgrade allows for motion-correction and freebreathing exams, meaning patients don’t have to lie incredibly still or hold their breath during the procedure.
In addition to 3-dimen sional MRI imaging of the head, neck, spine, and torso, upper and lower extremities can now also be imaged.
Finally, in 2022, Covenant Medical Group cardiologists at CMC started inserting permanent heart implants to help reduce the risk of stroke in patients with non-valvular atrial fibrillation.
Blood thinner medication is typically the treatment for those with atrial fibrilla tion. While effective, blood thinners can have some sig nificant side effects. By using the WATCHMAN FLX Left Atrial Appendage Closure (LAAC) device which is an alternative to blood thinner medication, patients still see a significant reduction in their risk of stroke, without the side effects that come along with medication.
Watchman procedures started at Covenant in early 2022.
Need someone to teach me how to navigate a small sail boat. Will pay cash. A couple of hours training is all I need. Call 806-543-4023. You can leave a message.
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 ap preciated, and have all the free popcorn you can eat, call, 806775-8760
r esth Aven Lot Great location. Section AA, Lot 190. Space 3. Retails for $5,195. Our offer $3,500. We pay transfer fee. Call 806-5005281.
This evening at 7 p.m. there will be a hymn singing in the park across from the church. Bring a blanket and come prepared to sin.
Next Thursday there will be tryouts for the choir. They need all the help they can get.
The church will host an evening of fine dining, super entertainment and gracious hostility.
Professional ironing at reasonable rates. $150 per item usually. Larger items rate will vary. Call 806-748-6266 leave a message (I will be ironing)
Resthaven lots Section No. F, spaces 3 & 4. Two lots $6,000 or best offer. Call 806-795-5123, Leave a message
3 cemetery plots for sale in Seminole. $300 each. Call 432788-7322
2 Resthaven adjoining burial plots. $4,000 for both. Call 806785-1991.
Frame repairs, new lenses, new frames and/or adjustments. Serving West Texas since 1977! midwest optical, 253334th, 806-797-5534
Covenant Health and Covenant Children’s are in need of volunteers. Donate a morning or afternoon each week to help serve patients and families! If interested, call Lauren Orta, 806-725-3309, or email ortalh1@covhs.org
New 60up Balance board training system $125. More info available at www.60up. com. Improve balance & help prevent falls. Located NW (Shadow Hills) Lubbock. Text or call 940-207-0373 if inter ested.
Professional manicures & pedi cures. Top quality products & services. Promoting healthy nails. 20 years experience. Call Alicia at 806-317-5226
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When it comes to plan ning for retirement income, it’s easy to overlook some common factors that can af fect how much you’ll have available to spend.
If you don’t consider how your retirement income can be impacted by investment risk, inflation risk, cata strophic illness or long-term care, and taxes, you may not be able to enjoy the retire ment you envision.
Different types of invest ments carry different risks. Sound retirement income planning involves under
standing these risks and how they can influence your available income in retire ment.
Investment or market risk is the risk that fluctuations in the securities market may result in the reduction and/ or depletion of the value of your retirement savings. If you need to withdraw from your investments to supplement your retirement income, two important fac tors in determining how long your investments will last are the amount of the withdrawals you take and the growth and/or earnings your invest
ments experience. You might base the anticipated rate of return of your investments on the presumption that mar ket fluctuations will average out over time, and estimate how long your savings will last based on an anticipated, average rate of return.
Unfortunately, the mar ket doesn’t always generate positive returns. Sometimes there are periods lasting a few years or longer when the market provides negative re turns. During these periods, constant withdrawals from your savings combined with prolonged negative market returns can result in the depletion of your savings far sooner than planned.
Reinvestment risk is the risk that proceeds available for reinvestment must be reinvested at an interest rate that’s lower than the rate of the instrument that generated the proceeds. This could mean you have to reinvest at a lower rate of return, or take on additional risk to achieve the same level of return. This type of risk is often as sociated with fixed interest savings instruments such as bonds or bank certificates of deposit. When the instrument matures, comparable instruments may not be paying the same return or a better return as the matured investment.
Interest rate risk occurs when interest rates rise and the prices of some existing investments drop. For ex
ample, during periods of ris ing interest rates, newer bond issues will likely yield higher coupon rates than older bonds issued during periods of lower interest rates, thus decreasing the market value of the older bonds. You also might see the market value of some stocks and mutual funds drop due to interest rate hikes because some in vestors will shift their money from these stocks and mu tual funds to lower-risk fixed investments paying higher interest rates compared to prior years.
Inflation is the risk that the purchasing power of a dollar will decline over time, due to the rising cost of goods and services. If inflation runs at its historical long-term average of about 3%, the purchasing power of a given sum of money will be cut in half in 23 years. If it jumps to 4%, the purchasing power is cut in half in 18 years.
A simple example illus trates the impact of inflation on retirement income. Assuming a consistent an nual inflation rate of 3 per cent, and excluding taxes and investment returns in general, if $50,000 satis fies your retirement income needs this year, you’ll need $51,500 of income next year to meet the same income needs. In 10 years, you’ll need about $67,195 to equal the purchasing power of
$50,000 this year. There fore, to outpace inflation, you should try to have some strategy in place that allows your income stream to grow throughout retirement.
Long-term care may be needed when physical or mental disabilities impair your capacity to perform everyday basic tasks. As life expectancies increase, so does the potential need for long-term care.
Paying for long-term care can have a significant impact on retirement income and savings, especially for the healthy spouse. While not everyone will need long-term care, ignoring the possibility of such care and failing to plan for it could leave you or your spouse with little or no income or savings. If you buy long-term care insur ance, don’t forget to factor the premium cost into your retirement income needs.
A complete statement of coverage, including exclu sions, exceptions, and limi tations, is found only in the long-term care policy. Car riers have the discretion to raise their rates and remove their products from the mar ketplace.
As the number of em
ployers providing retire ment health-care benefits dwindles and the cost of medical care continues to spiral upward, planning for catastrophic health-care costs in retirement is becoming more important. If you re cently retired from a job that provided health insurance, you may not fully appreciate how much health care really costs.
Despite the availability of Medicare coverage, you’ll likely have to pay for ad ditional health-related ex penses out-of-pocket. You may have to pay the rising premium costs of Medicare optional Part B coverage (which helps pay for outpa tient services) and/or Part D prescription drug coverage. You may also want to buy supplemental Medigap insur ance, which is used to pay Medicare deductibles and copayments and to provide pro tection against catastrophic expenses that either exceed Medicare benefits or are not covered by Medicare at all.
The effect of taxes on your retirement savings and in come is an often overlooked but significant aspect of retirement income planning. Taxes can eat into your in
A bean supper will be held on Tuesday evening in the church hall. Music will follow.
come, significantly reducing the amount you have avail able.
It’s important to under stand how your investments are taxed. Some income, such as interest, is taxed at ordinary income tax rates. Other income, like long-term capital gains and qualifying dividends, currently ben efit from special--gener ally lower--maximum tax rates. Some specific invest ments, like certain municipal bonds,* generate income that is exempt from federal income tax altogether. You should understand how the income generated by your investments is taxed, so that you can factor the tax into your overall projection.
Taxes can impact your available retirement income, especially if a significant portion of your savings and/
or income comes from taxqualified accounts such as pensions, 401(k)s, and tra ditional IRAs, since most, if not all, of the income from these accounts is subject to income taxes.
Have you planned for these factors?
When planning for your retirement, consider these common factors that can affect your income and sav ings. While many of these same issues can affect your income during your work ing years, you may not no tice their influence because you’re not depending on your savings as a major source of income. However, investment risk, inflation, taxes, and health-related expenses can greatly affect your retirement income.
Zach Holtzman Financial Advisor
Local businesses were rec ognized for the best barbecue at the Chamber Hub City BBQ Cookoff.
Eighty barbecue teams representing local busi nesses competed in six cat egories: Bloody Mary, beans, ribs, brisket, des sert, and a mystery itembologna.
The following teams re ceived the top awards: Bloody Mary
1. Coca-Cola SW Bever ages #2
2. Gery Joy Health and Life
3. Lubbock Professional Firefighters #1 Beans
1. Home Sweet Homan –Westmark Realtors
2. Great Plains Distribu
tors – Coors Light
3. Early Learning Center Mystery: Bologna
1. West Texas Land Guys
– Got Wood #2
2. Overton Hotel and Con ference Center
3. Home Sweet Homan –Westmark Realtors Ribs
1. West Texas Land Guys
– Got Wood #1
2. Outdoor Chef
3. KS Supplies Brisket
1. WunderTre
2. Lubbock Professional Firefighters #1
3. Impact Collision Center
1. WesTech Plumbing
2. United Supermarkets
3. Outdoor Chef
The 64th Annual Carol of Lights, which will be hosted at 7 p.m. Dec. 2 in the Sci ence Quadrangle at Texas Tech, will serve as the offi cial kickoff for the universi ty’s Centennial Celebration.
This annual event, hosted by the Residence Halls Asso ciation, is attended by thou sands of students, alumni and members of the Lubbock community and is one of the largest and oldest traditions. This year’s ceremony, produced in conjunction with the Office of the President, will be reimagined with live entertainment, new staging, lighting, and sound as well as a firework display to con clude the night.
This will be a spectacular evening for the entire family as the official start of Texas Tech’s Centennial Celebration is ushered in.
A clear bag policy will be in effect for this event. Public parking, including ADA (Lot R2), will be available on the campus. Be mindful of street closures and the road construction projects on 19th street adjacent to campus.
