Toys for Tots site at MOOYAH Burgers

NORTHBOROUGH: MOOYAH Burgers, Fries & Shakes located at 10010 Shops Way has once again partnered with the Marine Corps League, 144 Worcester Detachment in Worcester to be an official Toys for Tots collection site this holiday season. New, unwrapped toy donations can be dropped off during normal business hours of 11am-9pm through December 18. Toys should be non-violent and in the original packaging for ages 0-16 years old. Gift cards for older children are encouraged. All donations will be distributed locally throughout Worcester County.

Assabet Valey Mastersingsers Invitation for New Choristers

SHREWSBURY: Interested vocalists and potential members of Assabet Valley Mastersingers will be welcomed at an open rehearsal on November 28. Rehearsal time for this rehearsal and all regular Monday practices to follow will be from 7:30-9:45pm at the First Congregational Church of Shrewsbury, 19 Church Road. Get a sense of how regular rehearsals are run as well as a sense of the group itself. AVM offers a choral experience in a community of welcoming, inclusive, respectful, collegial and talented vocalists who value high artistic standards.

Preparation will begin for the concert—Coronation Celebration—with orchestra and soloists on March 26, 2023 featuring Coronation Mass by Mozart, and Coronation Anthems by Handel. Arrive early so that you can meet the Membership chair, Deb Wallace, and section leaders, and get music for rehearsal.

The Assabet Valley Mastersingers chorus, directed by founder Dr. Robert P. Eaton, has gained a reputation for musical excellence and unusual programming. AVM believes individuals perform best when working together in a supportive, encouraging, and non-competitive environment. For more information, visit Sing with Us! www.avmsingers.org/sing-with-us!

FINANCIAL FOCUS: COLA is Sweet for Social Security Recipients

October 24, 2022

If you receive Social Security, you’ve probably already heard that your checks in 2023 will be bigger – considerably bigger, in fact. How can you make the best use of this extra money? Here’s what’s happening:

For 2023, there’s an 8.7% cost-of-living adjustment (COLA) for Social Security benefits – the largest increase in 40 years. Also, the monthly Medicare Part B premiums are declining next year, to $164.90/month from $170.10/month, which will also modestly boost Social Security checks for those enrolled in Part B, as these premiums are automatically deducted.

Of course, the sizable COLA is due to the high inflation of 2022, as the Social Security Administration uses a formula based on increases in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). So, it’s certainly possible that you will need some, or perhaps all, of your larger checks to pay for the increased cost of goods and services. But if your cash flow is already relatively strong, you might want to consider these suggestions for using your bigger checks:

• Reduce withdrawals from your investment portfolio. When you’re retired, you will likely need to withdraw a certain amount from your portfolio each year to meet your expenses. A boost in your Social Security may enable you to withdraw less, at least for a year. This can be particularly advantageous when the markets are down, as you’d like to avoid, as much as possible, selling investments and withdrawing the money when investment prices are low. And the fewer investments you need to sell, the longer your portfolio may last during your retirement years.

• Help build your cash reserves. When you’re retired, it’s a good idea to maintain about a year’s worth of the amount you’ll spend from your portfolio in cash, while also keeping three months’ of your spending needs in an emergency fund, with the money kept in a liquid, low-risk account. Your higher Social Security checks could help you build these cash reserves. (Also, it’s helpful to keep another three to five years’ worth of spending from your portfolio in short-term, fixed-income investments, which now, due to higher interest rates, offer better income opportunities.)

• Contribute to a 529 plan. You could use some of your extra Social Security money to contribute to a tax-advantaged 529 education savings plan for your grandchildren or other family members.

• Contribute to charitable organizations. You might want to use some of your Social Security money to expand your charitable giving. Your generosity will help worthy groups and possibly bring you some tax benefits, too.

While it’s nice to have these possible options in 2023, you can’t count on future COLA increases being as large. The jump in inflation in 2022 was due to several unusual factors, including pandemic-related government spending, supply shortages and the Russian invasion of Ukraine. It’s quite possible, perhaps even likely, that inflation will subside in 2023, which, in turn, would mean a smaller COLA bump in 2024.

Nonetheless, while you might not want to include large annual COLA increases as part of your long-term financial strategy, you may well choose to take advantage, in some of the ways described above, of the bigger Social Security checks you’ll receive in 2023. When opportunity knocks, you may want to open the door.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor Gerald Breen, Acton, MA - EdwardJones.com/Gerald-Breen
Edward Jones. Member SIPC.

Classical Guitar Concert: Old and New—Featuring Father & Daughter Guitarists Klondike & Mei Yin Steadman

SUDBURY: Join First Parish of Sudbury for an evening of Classical Guitar: Old and New, November 19 at 7pm. Father and daughter guitarists Klondike and Mei Yin Steadman will perform a concert of classical music from the Baroque to the present day. Mei Yin will perform traditional favorites by the likes of Telemann, Scarlatti, and Rossini while Klondike will be premiering newly commissioned works by award-winning composers Ruth Myers Sacks and Trevor Weston. Tickets are $20 per person at the door. Free parking is available onsite and behind Sudbury Town Hall.

Mei Yin Steadman was born in Austin, TX, in 2005. Growing up in her parents’ music school, Orpheus Academy of Music, seeing kids taking music lessons every day, she expressed her desire to learn to play music as soon as she could talk. She started Musicianship classes at age four, guitar at age five with her dad, and piano at age six with her mom. She continues to play both instruments but now studies guitar with Professor Adam Holzman. She has excelled particularly at guitar, winning solo prizes at the Southern Guitar Competition, Texas Guitar Competition, the Asian American Competition, The Texas Guitar Conference, and the Houston Classical Guitar Festival and with the Orpheus Guitar Quartet at the Southern Guitar Competition and the Brownsville Guitar Ensemble Festival. She has performed on the radio for KUT’s Eklektikos with host John Aielli, on television for KXAN, and at Carnegie Hall for the 15th-anniversary concert of Orpheus Academy of Music.

Dr. Klondike Steadman is a pioneering guitarist, entrepreneur, educator, and author. He has taught at the University of Texas Butler School of Music, and served on the faculty of Southwestern University and the Classical Minds Guitar Festival. As the co-founder and director of Orpheus Academy of Music with his wife, Wendy Kuo, he has built one of the most successful music programs for kids in the country. He is the author of The Complete Guitar and The Complete Guitar For the Older Beginner, which is used by many private teachers and as the textbook for guitar classes at colleges and universities across the US.

First Parish of Sudbury is located at 327 Concord Road. For more information, please call (978) 443-2043 or email office@fpsudbury.org.

Alfonso Piacentini to Lead Lincoln Sudbury Civic Orchestra in its 50th Anniversary Year

LINCOLN/SUDBURY: Alfonso Piacentini has been appointed conductor of Lincoln Sudbury Civic Orchestra, a community orchestra resident at the Lincoln-Sudbury Regional High School. Piacentini, a charismatic, young conductor and percussionist, graduated from the Boston Conservatory at Berklee with a Master of Music in conducting in May, 2022. He also serves under Benjamin Zander as an Assistant Conductor of the Boston Philharmonic Orchestra and its youth orchestra.

Growing up in San Juan, Puerto Rico, Piacentini’s mother signed him up for drum lessons at a young age as a place to channel some of his abundant energy. That, combined with the influence of his grandfather’s love of classical music started him on his musical journey. He recalls spending hours with his grandfather listening to the Carnegie Library of Classical Music, a set of LPs, and sharing in his love for the music and the personalities of the conductors.

As an adolescent, heavy metal drummers influenced Piacentini’s rock band playing. However, over time, and with help from some strong mentors, he found his talent and interest in classical music. He attended a specialized music school in junior high and in tenth grade entered the Puerto Rico Conservatory of Music.

Piacentini continued his studies in orchestral percussion as an undergraduate at the Conservatory school where, during his junior and senior years, he discovered his love of conducting. The conductor of the school’s concert band, who was also the Associate Conductor of the Puerto Rico Symphony, was looking for an apprentice. Piacentini started taking his classes, increasing his passion for conducting and building a strong relationship with his mentor. Over the summer, he bought scores and parts to two pieces he wanted to conduct and meticulously studied them. Back at university the next semester, he led the concert band in one of the pieces and got the apprenticeship. “I was so nervous the first time I conducted in a concert,” Alfonso recalled, “I forgot to bring out my score and baton when I came on stage!”

Upon completion of his studies at the Conservatory in Puerto Rico, Piacentini moved to New York City and spent a year as a server in a fine dining restaurant. Living his life without playing and conducting became unbearable. He knew he was destined to make classical music his career. He has since discovered, thanks to one of his mentors, “Once you fully devote yourself, focus on it and commit, things start happening.”

And happen they did: Piacentini entered the Boston Conservatory as a graduate conducting student, and immediately began as musical assistant to Benjamin Zander at the Boston Philharmonic Orchestra. After completing his masters at the Boston Conservatory in May, Piacentini applied for the opportunity to conduct the Lincoln Sudbury Civic Orchestra. “I’m excited to be leading a group that comes together for the fun of making music,” said Alfonso. “When we get things right, nail a passage, we know we have sculpted it into a beautiful thing.”

Managing Director William Nicholson is excited to have Piacentini at the podium: "When I first spoke to Alfonso, I knew he'd be a great fit. His high level of energy and his dedication to the music are a perfect combination for the community orchestra. After just a few rehearsals, it's clear we made the right choice."

Founded in 1973 as a community orchestra for high school musicians to work with adult musicians of Lincoln and Sudbury, LSCO begins its 50th year in operation. The orchestra has two concerts planned for their 50th anniversary year featuring works by Mendelssohn, Beethoven, and Mozart. The group is always looking for new players. Interested amateur musicians are welcome to join the orchestra should visit https://lscivicorchestra.org for more information, or email lscivicorchestra@gmail.com.

St. Stephen Church Members Collect for Food Pantry

MARLBOROUGH: Challenged to collect 500 items for their local food pantry during the month of October, the people of St. Stephen Lutheran Church met and exceeded the goal, amassing 663 cans and packages donated to the Hudson Community Food Pantry. Their efforts had an additional benefit: as one of the first 100 participants to meet the “Feed the Northeast” goal of the Thrivent Northeast Member Network, St. Stephen was rewarded with a $500 donation from Thrivent to the food pantry. Frank Dutt of Hudson was the team leader who spear-headed the church project.

Thrivent is a not-for-profit financial services organization headquartered in Minneapolis, Minnesota, and Appleton, Wisconsin, and founded by Lutherans. Thrivent clients are part of regional member networks that sponsor generosity programs, financial workshops and social
events. HCFP is a non-profit organization serving residents of Hudson, Berlin, and Bolton who struggle with food insecurity.

For more information about St. Stephen Lutheran Church, visit www.saintstephenlutheran.com or the church’s Facebook page. Parishioners come from Marlborough, Hudson, Berlin,
Northborough, Southborough, Westborough, Shrewsbury, Sudbury, Stow, and Bolton.

PHOTO: Flanking the 663 collected cans and boxes of food, from left, front row: Alissa and Theo Walters, Leo and Lena Mileski. Back row, Pastor Greg Mileski, Beth Warner, Shay Warner, Jan Conlin, Ann Weston and Doug Kellogg.

Micah Center Volunteers Generate 205 Letters

MARLBOROUGH: There could be an increase of new local voters at the polls, thanks to an initiative of the Marlborough-based Micah Center for Social Justice. To encourage more people to cast a ballot, the Center sponsored a campaign to send hand-written letters to area people eligible to vote.

Penning their notes at home or at a recent gathering at the home of Jan and Beth Conlin, volunteers generated an impressive 205 missives. Each letter had a personalized note from the writer indicating why they believed it was important to vote. The reasons were as varied as the baker’s dozen of volunteers. Deb Roberts, Micah Center chair, recalls these statements: “Voting is powerful;” “Everyone is important and we must vote to share our vision of the country;” “My vote is a way to create a better future for all of us, with good jobs, good healthcare, and safe communities;” and “I feel that it's extra important to speak up, particularly when our country is faced with challenges.”

In addition to Deb Roberts, Jan and Beth Conlin, letter writers included Bev Broz and Anita Phelan (pictured), Marlea Dutt, Beth Garner, Peg Harbert, Judy Kellogg, Pam Narahara, Jim and Joni Schalkhauser and Melanie Whapham.

First Parish of Sudbury Voices of Color Book Club

SUDBURY: The First Parish of Sudbury Book Club, led by Rev. Kathleen Hepler, invites the community to their Voices of Color Book Discussions. All books on the list are written by people of color with distinctive voices. Join in for an exploration in decentering whiteness from the discourse. The first session will take place on November 13, discussing This Here Flesh: Spirituality, Liberation, and the Stories That Make Us by Cole Arthur Riley. This is a series of essays on topics like dignity, rage, and joy. Subsequent books include This Here Flesh by Cole Arthur Riley; On Earth We’re Briefly Gorgeous by Ocean Wong; The Water Dancer by Ta-Nehisi Coates; and Beloved by Toni Morrison.

Seven sessions are scheduled for Sunday evenings from 7-8:30pm. Between November and February 2023. The first and last session will be held at First Parish of Sudbury, 327 Concord Road, in-person. All other sessions will be held on Zoom. Join one—a few—or all sessions! See all discussion dates and register at fpsudbury.org/voices-of-color-bookgroup-22/. Contact (978) 443-2043 or office@fpsudbury.org for further information.

Sudbury Select Board Schedules Virtual Forums For Residents To Interact With Town Manager Finalists

SUDBURY: The Town of Sudbury is pleased to announce that two virtual community forums will be held on November 7 and 9 to offer residents and employees the opportunity to interact with the finalists for the position of Sudbury’s next Town Manager.

“We are very interested in having community members engage with the Town Manager finalists,” said Charles Russo, Chair of the Sudbury Select Board. “We value the input of all of our residents and employees in the Town Manager selection process.”

The Town has contracted with the consulting firm Community Paradigm Associates to assist in the search process. Bernard Lynch, Principal of the firm, will facilitate the two virtual forums. The Town Manager finalists will be available for approximately one hour each during the virtual forums with the individual finalists scheduled to participate on either November 7 or 9 at 6:30pm. To remotely participate in the community forum, join via Zoom at URL: https://us02web.zoom.us/j/83035620119
Dial-in: Dial-in number: (978) 639-3366 or (470) 250-9358
Meeting ID: 830 3562 0119

For more information, please contact the Sudbury Town Manager’s Office at (978) 639-3381.

Assabet Valley Mastersingers Present Celebrate Peace

SHREWSBURY: The Assabet Valley Mastersingers will present Celebrate Peace, a collection of four pieces of work entitled Dona Nobis Pacem from four different composers, on November 20 at 3:30pm in the Robert R. Jay Performing Center at St. John’s High School, 378 Main Street. Dr. Robert P. Eaton, Founder and Artistic Director, will conduct soloists Soprano Mary Johnston Letellier and Baritone Philip Lima, along with the orchestra and ensemble.

The traditional Dona Nobis Pacem, often attributed to Palestrina or Mozart, is a short prayer for peace from the Agnus Dei of the Latin Mass. In the round for three parts, it is sung twice in every line. The melody has been passed orally. Keane Southard’s setting is a short unaccompanied work written in 2014. The composer indicates the primary themes evolved over the several years and only upon completion did he realize that the opening and closing sections are in the form of a canon as is the traditional. Latvian composer, Pietris Vasks, incorporates elements of Latvian folk music into a contemporary idiom. The emotional content of his setting is reflected in his masterful use of color and texture which holds our attention on this one single phrase, Dona Nobis Pacem, for 12 minutes. R. Vaughan Williams had witnessed war in France 1914-1918. This powerful work, his setting of Dona Nobis Pacem, vividly proclaims the harshness and cruelty of war, the intense and somber burial of a father and son, the anguished cry for peace, and a final message of good will and peace toward men. Dona Nobis Pacem. Give Us Peace.

Information and tickets can be obtained online at www.AVMsingers.org or at the venue the afternoon of the concert. The price is $25; $20 for seniors and students. AVM will follow all public health guidelines provided by Federal, state, and local health departments and those of concert venues.

AVM Programs are supported in part by grants from the Massachusetts Cultural Council and the Cultural Councils of Ashland, Boylston, Grafton, Marlborough, Northborough, Shrewsbury, Southborough, West Boylston and Westborough. AVM is also supported in part by grants from the Avidia Charitable Foundation; from Southborough Community Fund, a fund of the Foundation for MetroWest.

NPT Hires Director of Public Programs, Bess Paupeck

FRAMINGHAM: Native Plant Trust, the nation’s ﬁrst plant conservation organization and the only one solely focused on New England’s native plants, announces the hire of Bess Paupeck, as Director of Public Programs. In her role at Native Plant Trust, Bess oversees a department offering approximately 200 programs per year throughout New England, ranging from events, courses, workshops, field trips and a range of other programs that focus on botany, plant conservation, ecological horticulture and gardening. The department also oversees the native plant certificate programs, which includes in-person and online courses as well as webinar offerings.

“We are delighted Bess has joined our staff at Native Plant Trust, where she will be instrumental in building exciting new opportunities for education and engagement throughout the region,” commented Debbi Edelstein, Executive Director. “Bess’s vision, deep experience in community and programming, passion for engaging learners at all levels and building partnerships will enable us to share our expertise in New England’s native plants with many more audiences.”

“I am very excited to join the team at Native Plant Trust,” noted Paupeck. “I have worked as a program producer, exhibition designer and curator in the art-science space at museums and universities, and am excited for this opportunity to bring this perspective to an organization focused on environmental issues. Since joining Native Plant Trust, I've been inspired by the dedication, passion, and deep knowledge of my colleagues for the science, conservation, and promotion of native plants.”

Prior to joining Native Plant Trust, Paupeck served in roles at Harvard University, the MIT Museum, the Boston Museum of Science, the Somerville Arts Council and the Museum of Fine Arts, Boston. She received a BA in American Studies/Fine Art/Art History from George Washington University, an MA in Public Humanities from Brown University, a Certificate in Non-Profit Management from Harvard University, and a Graduate Certificate in Museum Studies from Tufts University.

For more information about Public Programs at Native Plant Trust, please visit www.NativePlantTrust.org.

FINANCIAL FOCUS: Avoid Becoming a ‘Burden’ on Grown Children

October 24, 2022

Here’s an interesting statistic: Some 72% of retirees say one of their biggest fears is becoming a burden on their families, according to a 2021 survey by Age Wave and Edward Jones. Both before and during retirement, what steps can you take to avoid burdening your loved ones in the future? Here are a few suggestions:

Build your retirement savings. The greater your financial resources, the less likely it becomes that you’d ever have to count on your grown children for financial support. You may have access to a 401(k) or similar retirement plan at work, so take advantage of it. Even with an employer-sponsored plan, you also may be eligible to contribute to an IRA. In addition to offering a variety of investment options, a 401(k) and IRA provide potential tax advantages. And once you do retire, be careful about how much you withdraw each year from your retirement plans and other investments.
Plan for health care costs. Once you are retired, health care costs will be a significant expense. You may have Medicare, but you'll also want to consider your need for supplemental health insurance to cover traditional medical costs. And you’ll want to consider another potential health-related expense: long-term care. You may never need the services of a home health aide or a stay in a nursing home, but no one can predict the future.

Medicare does not cover most costs for long-term care, which can be quite high. In 2021, the annual national median cost for a private room in a nursing home was over $108,000, while the median cost for a full-time home health aide was nearly $62,000, according to a survey by Genworth, an insurance company. You may want to consult with a financial professional on strategies for protecting yourself from these costs.

Create necessary legal documents. If something were to happen to you, and you didn’t have the appropriate legal documents in place, your loved ones could be placed in a bind, both financially and emotionally. That’s why it’s a good idea to create documents such as a durable financial power of attorney, which lets you name someone to manage your finances if you became incapacitated, and a durable power of attorney for health care, which allows someone to make medical decisions on your behalf if you can’t make them yourself. You’ll want to work with a legal professional to develop the documents appropriate for your needs.
Evaluate your housing needs. As you enter retirement, you may want to evaluate your living situation. Could you downsize to a smaller home, or perhaps a condominium or apartment? Not only might you save money with such a move, but you could also end up relieving your grown children of the responsibilities and hassles involved in clearing out and selling your home should you become unable to do so yourself during the later years of your retirement.

By taking these measures, along with others, you can go a long way toward maintaining your independence and putting yourself in a place where you won’t burden your grown children. And that’s a good place to be.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor Alan Bell, AAMS ® - (978) 486-1059. Edward Jones, Member SIPC

Native Plant Trust announces Need for Seed: A Strategy for The Northeast

FRAMINGHAM: Native Plant Trust, the nation’s ﬁrst plant conservation organization and the only one solely focused on New England’s native plants, opens registration for Need for Seed: A Strategy for the Northeast, a live virtual symposium November 2 and 3 from 10am- 3pm. This two-day symposium focuses on establishing a groundbreaking network of native seed users and producers in New England, including government agencies and non-governmental organizations. Speakers will share success factors in establishing a native seed network and discuss strategy, logistics, and tasks, from seed collection and storage to the uses of seed in restoration and nursery cultivation. Registration is free thanks to support from the U.S. Fish and Wildlife Service; to register please visit www.NativePlantTrust.org.

Musical Duo to Offer Family Concert

MARLBOROUGH: On Sunday, November 13, there will be music and more at St. Stephen Lutheran Church, 537 Bolton Street, as the inaugural “Performance at St. Stephen” takes place with a concert by Pastor Ed and Ruth Voosen. The presenters predict a “casual and relaxing” afternoon for the whole family, offering mostly familiar folk songs, show tunes, country favorites, and possibly a sing-along to engage the audience.

The Voosens bring not only their voices — he is a baritone and she is a soprano — but also a variety of instruments, from flute to banjo to traditional guitar to a 12-string guitar, as well as interesting history. This versatile couple has been making beautiful music together for decades. Ed and Ruth met at Wagner College, each coming in with a love of music, and married two years later.

— As a member of the band, The Capitals, as a teen, Ed appeared twice on TV on the Ted Mack Amateur Hour.
— Ruth played the flute in bands and orchestras including All State Band, and sang first soprano in the Wagner College Choir.
— Ed founded and directed the Pinecrest Folk Choir, which recorded two albums and toured the eastern U.S. Ruth sang in the choir.
— Together, they have gone on more than 100 cruises, with Pastor Ed as the Protestant chaplain. During those trips, Ruth enjoys playing hymns on flute with Ed on guitar. In addition to the cruises, the Voosens have organized and led trips to Israel, Scandinavia, and Germany.

Ed Voosen was educated at Princeton University and the New York Theological Seminary. Ordained by the Lutheran Church, he served congregations in Brooklyn, NY and Auburn, MA, and retired in 2010. Ruth earned a BS in nursing at Wagner College and is a registered nurse. She has worked in a psychiatric unit in Brooklyn, has been a college health nurse at Worcester Polytechnic Institute and served as a nursery school teacher. The Voosens have three children and seven grandchildren.

Some of the audience will undoubtedly be engaged by the pre concert activity — the
afternoon program begins at 3pm with an Ice Cream Buffet. There is no fee for the concert, but donations are welcome. A free will offering will be taken to help fund St. Stephen teens who will attend the 2024 ELCA Youth Gathering in New Orleans.

For information about St. Stephen Lutheran Church, visit
www.saintstephenlutheran.com or the church’s Facebook page. Saint Stephen is a member of the New England Synod of the Evangelical Lutheran Church in America (www.elca.org) . The church is a Reconciling in Christ congregation, inviting people of every gender, sexuality, race,
ethnicity, ability, marital status, or class. Parishioners come from Marlborough, Hudson, Berlin, Northborough, Southborough, Westborough, Shrewsbury, Sudbury, Stow and Bolton

Christa Collins Retires After 20 Years at SVT
Dedicated Conservationist Receives Commendation from Massachusetts House of Representatives

SUDBURY: Christa Collins, Director of Land Protection at Sudbury Valley Trustees (SVT) since 2008, retired earlier this month after 20 years with the nonprofit conservation organization. A well-respected member of the Massachusetts conservation community, Collins played a role in the protection of more than 3,100 acres across 88 properties during her time at SVT. She was integral to the conservation of some of the region’s most expansive and well-known landscapes, including the 218-acre Mainstone Farm in Wayland, the 300-acre Nobscot Scout Reservation in Sudbury, the 90-acre Sweetwilliam Farm and Whitney Conservation Area in Upton, and most recently, the 100-acre Horseshoe Pond on Mount Pisgah in Berlin.

SVT honored Collins at its Annual Meeting recently, when Executive Director Lisa Vernegaard highlighted many of her successes. State Representative Carmine A. Gentile was also on hand to present Ms. Collins with a commendation from the Massachusetts House of Representatives. After the meeting, Vernegaard was effusive in her praise of her former colleague. “To a person, everyone I’ve spoken with has said what a pleasure it was to work with Christa,” she said. “Her knowledge, dedication, and persistence, along with a great sense of humor, combined to make her a respected and successful partner in conservation projects throughout the region. Her impact will be felt for decades to come, as future generations will be able to explore the same beautiful natural areas that we enjoy today.”

Ever dedicated to conservation, Collins will continue to serve the region as a board member for the Massachusetts Land Trust Coalition.

Westborough Community Land Trust 25th Anniversary Hike

WESTBOROUGH: Westborough Community Land Trust (WCLT)'s first organized hike was at the Bowman West property. On November 6 from 1-3pm, re-create that walk, with commentary about the history of Bowman West, the early days of WCLT, and the work that has been done at that property and our other trails in the past 25 years. WCLT founding member Tim Buckalew will be the walk leader. Meet at Bowman Conservation Area on Bowman Street. Free; no reservation required. For questions, contact events@westboroughlandtrust.org.
Map: https://westboroughcharm.org/guide/maps/bowmanwest_trail_map.pdf.

Five Centuries of Classical Music Organ Concert at UCM

HUDSON: Organist and Music Director Robin Jubenville will perform an hour-long concert of classical organ music spanning five centuries on November 5 at 4pm in the Sanctuary at the Unitarian Church of Marlborough and Hudson (UCMH), located at 80 Main Street. The concert is free and open to the public, with donations gratefully accepted.

The organ at UCMH was built in 1891 by Geo. Ryder as his Opus 161 and presented to the church by Joseph S. Bradley, Edmund M. Stowe and Russell B. Lewis in 1892. This event marks the first public concert on this historic organ in more than 50 years. “Performing a public organ concert has been my dream for years,” said Ms. Jubenville. “I’m thrilled that it’s finally going to happen.” Ms. Jubenville has been playing organ since childhood.

To attend, register online at RobinJubenville.eventbrite.com and reserve your free tickets! For more information please contact the church office at (978) 562-9180 or via email at administrator@ucmh.org.

First Parish to Host Trunk or Treat So Others Can Eat

SUDBURY: First Parish of Sudbury invites all children ages 10 and under to wear their costumes and take part in the Fantastic & Fun 1st Annual Trunk or Treat So Others Can Eat on October 30, from 11:30am to 12:30pm in the First Parish parking lot, 327 Concord Road. Collect candy, play games, and have lots of Ghoulish Fun!!  Please bring a non-perishable food item to donate to our collection for the Sudbury Community Food Pantry. The event will take place in the First Parish parking lot (and inside if the weather is inclement). For information, please contact Michelle Cote at redirector@fpsudbury.org.

First Parish of Sudbury (fpsdudbury.org), located in the center of history Sudbury, is a diverse and welcoming community of spiritual seekers who strive to learn together and support one another as they celebrate life’s important moments and serve the larger community. The First Parish was founded in 1640, and the congregation worships in the historic meetinghouse that was built in 1685.

Northborough's 3rd Annual Jack-O-Lantern Contest and Stroll

NORTHBOROUGH: Back by popular demand, the Northborough Community Affairs Committee is excited to announce the 2022 Jack-O-Lantern Contest and Stroll during Halloween weekend. Jack-o-lanterns provided by Northborough residents will be on display at the Town Common starting Friday, October 28 and will stay lit through the weekend for all ages to enjoy.

Residents can sign-up now to participate and members of the community will be able to vote for their favorite creative designs. The Committee is accepting up to 100 entries this year. Entry is free, although registrants are asked to make a suggested donation to the Northborough Food Pantry to participate. The pictures of the jack-o-lanterns will be posted on the Committee's website and Northborough residents will be able to vote for their 3 favorite entries until Halloween night. The three winners will each receive a prize from a local business. The Community Affairs Committee hopes that all interested Northborough residents, both children and adults, enter this fun Halloween event!

Sign-up to enter the contest here: Community Affairs Committee: CAC 3rd Annual Jack O' Lantern Stroll (signupgenius.com)

For more information on this event, visit https://northboroughcac.weebly.com/jack-o-lantern-stroll.html.

FINANCIAL FOCUS: Here’s Your ‘Recession Survival’ Checklist

October 17, 2022

It’s unfortunate, but recessions are a fairly normal part of the economic landscape. When a recession occurs, how might you be affected? The answer depends on your individual situation, but regardless of your circumstances, you might want to consider the items in this recession survival checklist:

Assess your income stability. If your employment remains steady, you may not have to do anything different during a recession. But if you think your income could be threatened or disrupted, you might want to consider joining the “gig economy” or looking for freelance or consulting opportunities.
Review your spending. Look for ways to trim your spending, such as canceling subscription services you don’t use, eating out less often, and so on.
Pay down your debts. Try to reduce your debts, especially those with high interest rates.
Plan your emergency fund. If you haven’t already built one, try to create an emergency fund containing three to six months’ worth of living expenses, with the money kept in a liquid account.
Review your protection plan. If your health or life insurance is tied to your work, a change in your employment status could jeopardize this coverage. Review all your options for replacing these types of protection. Also, look for ways to lower premiums on home or auto insurance, without significantly sacrificing coverage, to free up money that could be used for health/life insurance.
Keep your long-term goals in mind. Even if you adjust your portfolio during times of volatility, don’t lose sight of your long-term goals. Trying to “outsmart” the market with short-term strategies can often lead to missteps and missed opportunities.
Don’t stop investing. If you can afford it, try to continue investing. Coming out of a recession, stock prices tend to bottom out and then rebound, so if you had headed to the investment “sidelines,” you would have missed the opportunity to benefit from a market rally.
Revisit your performance expectations. During a bear market, you will constantly be reminded of the decline of a particular market index, such as the S&P 500 or the Dow Jones Industrial Average. But instead of focusing on these short-term numbers, look instead at the long-term performance of your portfolio to determine if you’re still on track toward meeting your goals.
Assess your risk tolerance. If you find yourself worrying excessively about declines in your investment statements, you may want to reevaluate your tolerance for risk. One’s risk tolerance can change over time — and it’s important you feel comfortable with the amount of risk you take when investing.
Keep diversifying. Diversification is always important for investors — by having a mix of stocks, mutual funds and bonds, you can reduce the impact of market volatility on your portfolio. To cite one example: Higher-quality bonds, such as Treasuries, often move in the opposite direction of stocks, so the presence of these bonds in your portfolio, if appropriate for your goals, can be valuable when market conditions are worsening. (Keep in mind, though, that diversification cannot guarantee profits or protect against all losses in a declining market.)

A recession accompanied by a bear market is not pleasant. But by taking the appropriate steps, you can boost your chances of getting through a difficult period and staying on track toward your important financial goals.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor Mandy Calouro, Chelmsford, MA - EdwardJones.com/Mandy-Calouro, Edward Jones, Member SIPC

Native Plant Trust to Screen Documentary Mardi and the Whites

FRAMINGHAM: Native Plant Trust, the nation’s first plant conservation organization and the only one solely focused on New England’s native plants, is pleased to announce that it will screen the documentary Mardi & the Whites on Saturday, October 15, at 3:30pm at Garden in the Woods, 180 Hemenway Road. A film made and directed by Paula Champagne, featuring Dorchester resident Mardi Fuller, Mardi & the Whites chronicles the deep relationship that outdoorswoman Mardi Fuller has built with New Hampshire’s White Mountains, which has also been complicated by the overwhelmingly white hiking and outdoors community.

Mardi says that she is “thrilled to share my experiences as a Black outdoorswoman with this audience, at such an iconic local garden venue, and in partnership with Native Plant Trust, an organization committed to land stewardship and community education. My hope is that my story will shed light on patterns of exclusion in outdoor institutions and lead audience members to consider ways they might participate in the movement to improve access to nature for marginalized groups. I’m looking forward to a meaningful conversation and I know I will be inspired by the setting.”

The screening will be followed by a conversation and reception with Mardi, and attendees are welcome to arrive early at Garden in the Woods and enjoy a stroll through the garden before the program. To register for this event, please visit www.NativePlantTrust.org.

Marlborough Author Publishes Paranormal Novel

MARLBOROUGH: The Witch and the Priest of Lies, a new 362-page book by John Baldwin Large, has been released by Dorrance Publishing Co., Inc. In a quiet, old New England town, a Native American holy site becomes the home for a satanic ritual. But when things go horribly wrong, worshippers are butchered, and an inexplicable horror is unleashed on the town. High school psychologist Julie Bernard witnesses the whole event in her dreams. Unsure of what she saw and even more confused as to why she witnessed it, Julie is thrown into an ancient struggle between good and evil. As she works to uncover the truth about the night’s events, she uncovers more secrets about the town and her own life than she could have possibly imagined.

John Baldwin Large is a professional musician and singer/songwriter with the band Emily Rising. He also serves as a chaplain. Large lives in Massachusetts with his wife and their two cats.

Sunday School For All Ages at St. Stephen Church Starts This Week

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MARLBOROUGH: Sunday School for all ages – from pre-school through adult – will begin October 9 at St. Stephen Lutheran Church, 537 Bolton Street. While the
youngest disciples, preschool through grade 1, will meet during the 10am church service, other ages will begin their programs at 9am.

Using the “Echo the Story” curriculum from Sparkhouse, students in grades 2 and up will go on a Biblical narrative journey using a collection of learning styles, with a six part sequence that includes videos, listening skills, hearing a story read, using sketch journals to capture interesting aspects of the story, retelling the story, and sharing observations with the group. Arts and crafts will also be incorporated, with the creation of a banner, environmental photography, painting and sculpture all on the program. Melanie Whapham will lead the group.

Adults will meet with Pastor Greg Mileski, also in the 9-9:45am time slot, for a discussion of the week’s lectionary readings, with a comparative study of religions and a book study also on the agenda.

The youngest students, pre-school through grade 1, will come to the 10am church service, then leave before the sermon to hear Bible stories, engage in a related craft and play, and return in time for communion. Heidi Richard, Dianne Bruno, and Stephanie and Lily Ruggiere
will interact with this group.

There is no registration requirement, and all are welcome to engage in this Christian
Education program. For more information about St. Stephen Lutheran Church, visit
www.saintstephenlutheran.com or the church’s Facebook page.

Diversity, Equity, and Inclusion Commission Seeking Members

SUDBURY: The Sudbury Diversity, Equity and Inclusion Commission is currently seeking candidates. The mission of the Sudbury Diversity, Equity, and Inclusion Commission is to support diversity and foster equity for every member of the Sudbury community, respecting all aspects of individuals’ identities. The Commission shall also critically consider intersections among these groups to facilitate learning, understanding, and unity.

Sudbury resident(s), including Students or Parents of Students attending Sudbury schools are invited to apply to the Commission. Areas of expertise/ experience for members may include but are not limited to:

• Business representatives
• Education
• Parent or caregiver
• Student
• Human Resources
• Immigration law
• Medical and healthcare
• Minority affairs
• Real estate/Affordable Housing
• Social Work

To learn more, please see the recently updated Diversity Equity Inclusion Commission Mission Statement. To apply, please submit the Appointment Application form. Applications are due by 12pm on November 4, 2022.

SMILE Mass Announces Return of Gobble Wobble Road Race

SUDBURY: SMILE Mass is thrilled to announce the return of the 9th Annual Gobble Wobble for SMILE Mass Road Race scheduled for November 19. This year’s race is presented by Ira Motor Group a division of Group 1 Automotive.

Registration is now open for the Kids Fun Run, 1.4 Mile Walk, 5K and 10K runs. To register go to www.smilemass.org/race. All races begin at Curtis Middle School, 22 Pratts Mill Road at 10am. All athletes of all abilities are invited to participate. Strollers, and disability "Ambassadors" and "Captains" are also encouraged. Please visit www.smilemass.org/smile-mass-running-team/ for more information on how to be part of our race team. Participants registered by November 1 are guaranteed a SMILE Mass t-shirt. Awards medals will be given for winners across several age groups in both the 5k and the 10k.

"After two challenging years, SMILE Mass is eager to get back to our tradition of hosting the Gobble Wobble on the Saturday before Thanksgiving.” said Lotte Diomede, President of SMILE Mass. "We are grateful for the support of our sponsors who have helped carry us through the pandemic and for the opportunity to bring back this amazing event that celebrates athletes of all abilities."

“We would like to invite those in Metrowest communities to join us for the Gobble Wobble. It’s a great day of inclusiveness and fun for a great cause.” said Susan Brown, VP of SMILE Mass. “Runners and walkers of all ages and abilities are welcome and we hope to see you there.”

Proceeds from this event benefit Club SMILE Mass, the newest and fastest growing program servicing kids and adults with disabilities with an after-school program for individuals under age 22 and a self-directed program for individuals over age 22. Club SMILE Mass is a hybrid-program that allows individuals with disabilities of all ages to enjoy Zoom classes in several areas of interest (music, story time, gym, bingo, and book club) as well as in-person gym and swim classes at Lifetime in Framingham. In addition, SMILE Mass hosts monthly recreational community activities with like-minded individuals and families.

SMILE Mass Small Miracles in Life Exist (SMILE Mass) is a 501(c)(3) nonprofit organization dedicated to helping families raising children or adults with disabilities enjoy happy, healthy memories through vacation and recreation experiences. Over the past 12 years, SMILE Mass has donated over 150 floating beach wheelchairs to public beaches in Massachusetts, Maine, Connecticut, New Hampshire and Vermont. In addition, SMILE Mass has a fully accessible vacation rental in Truro, MA available to families, an Equipment Loaner Program that allows families to borrow recreational equipment, and a running team. To learn more visit www.smilemass.org

2021 sudbury center lit with purple lights

Domestic Violence Roundtable’s Purple Lights Campaign

SUDBURY: Why are those buildings purple? Purple, it is said, is the color of courage, survival, honor, and hope. It is also the color recognizing Domestic Violence Awareness Month, which takes place each October. During this month, domestic violence service providers use the color purple to raise awareness about the prevalence of domestic violence and the 3 to 4 women and girls who are murdered each day in our country within intimate relationships.

In witness and protest, some people wear purple clothing, attach a purple pin, or tie a purple ribbon around a tree. For the past several years, the Sudbury-Wayland-Lincoln Domestic Violence Roundtable, in collaboration with the Lauren Dunne-Astley Memorial Fund, and First Parish in Wayland, has chosen to light the towns of Sudbury and Wayland in purple. They have lit numerous faith and public buildings in Sudbury and Wayland and have posted banners and signs in all three communities. Some of you may have seen them.

These are beautiful and dramatic displays that both honor those lost to domestic violence and bring awareness to the community that domestic violence has no borders. The Roundtable invites local businesses to join in by adding their own purple lights. Homeowners may also take part by installing purple bulbs in their door and porch lights and their lamp posts. An effective 4.5 watt Feit purple LED Electric bulb is available inexpensively and locally at Ace Hardware in Wayland and Aubuchon Hardware in Sudbury. Light up towns and stand with survivors of domestic violence and their families!

FINANCIAL FOCUS : How Should You Pay for Short-term Financial Goals?

October 3, 2022

As you go through life, you will likely have long- and short-term financial goals. But how will your strategies for meeting your long-term goals differ from those needed for your short-term ones?

If you’re like most people, your biggest long-term goal is achieving a comfortable retirement. And for this goal, a common strategy is putting away money in tax-advantaged retirement vehicles, such as your 401(k) and IRA.

So, how should you go about preparing for shorter-term goals, such as a family vacation, home renovation, wedding or major purchase?

For starters, determine what your goal is, how much you can spend on it and when you’ll need the money. Even if you can’t pinpoint a precise amount, you can develop a good estimate. Of course, the sooner you start this process, the better off you’ll be, because you’ll have more time to save.

Your next decision involves the manner in which you save for your short-term goal. Specifically, what savings or investment vehicles should you use? The answer will be different for everyone, but you need to make sure that your investments align with your risk tolerance and time horizon. And you’ll want to ensure, as much as possible, that a certain amount of money is available for you at the specific time you’ll need it.

If you aren’t able to save enough to reach a short-term goal, you have other options — you can borrow what you need, or you can potentially sell investments to cover the cost. How can you decide which choice is best?

To help make up your mind, you’ll first want to consider some of the most common borrowing options: credit cards, home equity loans, personal loans and margin loans. (A margin loan lets you borrow against the value of investments you already own). How might each of these loans fit into your overall financial strategy? Will the repayment schedule work with your cash flow and budget?

You’ll then want to compare the costs and benefits of borrowing, in whatever form, against selling investments. For example, if you can borrow at a lower interest rate compared to the return you think you can get from your investments, borrowing might be a reasonable choice. You’ll also need to consider other factors, such as your credit score, taxes, fees associated with selling investments and time needed to repay debts. If, for instance, selling investments will trigger a large amount of taxes, borrowing might be preferable. You’ll also want to consider whether there’s a penalty or high costs associated with selling investments. In addition, if you have a long time horizon for a loan, you may want to sell investments to avoid paying interest for a longer period of time, and thus driving up the overall cost of borrowing. Finally, keep in mind that you may have built an investment mix designed to align with your goals and risk tolerance. If you were to sell any of these investments to meet short-term needs, you would want to consider the need to rebalance your portfolio to maintain your desired asset allocation.
As you can see, there’s a lot to think about when it comes to paying for short-term goals. But by carefully evaluating your options, you can make the choices that are right for your needs.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor Alan Bell, Edward Jones, Member SIPC.

Svt 20161104 mainstone farm lisa vernegaard

Celebrate the Anniversary of Mainstone Farm’s Protection

WAYLAND: To celebrate the 5th anniversary of the conservation of Mainstone Farm on Rice Road in Wayland, Sudbury Valley Trustees (SVT) has designed a special two-mile Self-Guided Anniversary Walking Route at the property. Throughout the month of October, visitors can enjoy this walk through the woods, which features five stops where you can scan a QR code to learn more about the property and the incredible conservation effort. The Self-Guided Anniversary Walking Route is accessible from the Mainstone Farm Trails parking area at 196 Rice Road.

On October 15, SVT staff will be on hand at the trailhead from 9:30-11:30am to answer questions about the conservation effort and provide visitors with additional information about the property.

In 2017, the Town of Wayland and SVT purchased a conservation restriction (CR) on the land that permanently protects 218 acres of the farm’s pastures and forest from development. Mainstone Farm is part of a complex of conserved lands owned by the Town of Wayland, Sudbury Valley Trustees, and some private entities. Additional protected lands, including Hamlen Woods, Mainstone Hills, Reeves Hill, and Turkey Hill, contribute to an extended network of wildlife habitat and open space. SVT, together with the Town of Wayland, maintains walking trails across many of these lands that can be accessed from two parking areas on Rice Road.

"We are thrilled to celebrate the fifth anniversary of one of the region's spectacular landscapes,” said Lisa Vernegaard, SVT Executive Director. “I remain grateful to Wayland residents, the Hamlen Family, and the many generous donors who made this possible. Because of that partnership, wildlife, hikers and area residents will continue to enjoy this extraordinary property for decades to come."

Gretchen Schuler, Former Chair of the Wayland Community Preservation Committee, added, “The protection of Mainstone Farm was the culmination of many years of effort by many people. I am so thankful that Town residents and SVT agreed to purchase the CR on this land so that future generations will always enjoy this iconic Wayland landscape.”

Printed maps for the Self-Guided Anniversary Walking Route will be available throughout October at the trailhead kiosk at 196 Rice Road. A map is also available online at svtweb.org/mainstone5.

Northborough Helping Hands’ Holiday Campaign Make Spirits Bright for Families in Need

NORTHBOROUGH: Northborough Helping Hands Association, Inc. (NHHA) is kicking off its holiday campaign “Making Spirits Bright.” The holiday program benefits Northborough families and senior citizens in need. Community members have the opportunity to sponsor a gift, a child, or a grocery gift card.

NHHA collaborates with town social service programs to identify the Northborough families needing assistance. The program’s goal is to provide gift cards to the parents, so they can personally purchase needed clothing or a special toy from the child’s wish list. In addition, grocery gift cards are provided to senior citizens and singles who are in need.

In 2021, 142 children were served. This year, NHHA hopes to be able to raise $10,000 to provide cards for each child. The gift cards will be distributed during the organization’s annual Thanksgiving program distribution, which provides a turkey with all the fixings. The success of NHHA’s programs each year is due to the generosity of the community. How can you help?

A donation of $75 will sponsor one child for the holiday. You can also sponsor a grocery card for the family for $50 or one gift for a child for $25. Monetary donations are being requested so the gift cards purchased by NHHA can be tailored to each child before distribution. The deadline to donate is November 1.

Donate online at www.northboroughhelpinghands.org
Write a check and mail to NHHA, Holiday Outreach, PO Box 383, Northborough MA 01532

Upcoming Fundraisers with business partners:

MOOYAH Burgers, Fries & Shakes (10010 Shops Way, Northborough) will donate a percentage of all sales on October 1, 11am-9pm to NHHA.
For the entire month of October, Aero Coffee Roasters (318 Main Street, Northborough) will donate 10% of all in-store whole bean coffee purchases to NHHA.

NHHA is a recognized 501(c)(3) charity and 100% of donations will benefit its programs. In addition to the holiday programs, NHHA coordinates a winter coat drive, backpack drive, emergency aid program, scholarship program and medical equipment loan program. Additional information on the holiday outreach programs can be found at
www.northboroughhelpinghands.org. Email Holidays@NorthboroughHelpingHands.org for more information.

Musicians of the Old Post Road Presents Masterful Madames: Women Composers
in the Circle of Frederick the Great

SUDBURY/BOSTON: On October 29 and 30, Musicians of the Old Post Road begins its 34th season with live performances for both in-person and online audiences. Entitled Masterful Madames: Women Composers in the Circle of Frederick the Great, the program celebrates three fabulous forgotten female composers: Princess Anna Amalia of Prussia, Wilhelmine of Prussia, and Anna Bon. Their wonderful chamber music will be presented together with works by other composers in Frederick the Great’s circle, including the music-loving king’s flute teacher J. J. Quantz and his concertmaster Franz Benda.

Featured works include the expressive Flute Sonata in F Major by Anna Amalia, the only surviving multi-movement work by this gifted little-known composer. A sister of Frederick the Great and a patron of the arts, she devoted herself to music and amassed an important music library.
The concert also includes the brilliant Harpsichord Concerto in G Minor by Wilhelmine of Prussia, one of the earliest surviving works in this genre. Another sister of Frederick the Great, she was the Margravine of Bayreuth and an accomplished lutinist. The ensemble will also perform an evocative trio sonata by Anna Bon. Bon was in the service of Wilhelmine and her family at the court in Bayreuth. She was a talented singer and composer who received her early training at the orphanage for girls in Venice where Vivaldi taught.

Rounding out the program are trio sonatas by Frederick the Great’s court composers Franz Benda, J.J. Quantz, and Christoph Schaffrath. Instrumentalists for this concert include flutist Suzanne Stumpf, violinists Sarah Darling and Jesse Irons, violist Marcia Cassidy, cellist Daniel Ryan, and harpsichordist Michael Sponseller. All will perform on period instruments.

Single In-Person Tickets are $50 general admission, $45 seniors, $35 for under 35, Kids 18 and under free with adult. Day-Of-Concert Rush Tickets (students and EBT Card holders only) are $10, availability permitting. Online single tickets and online subscriptions are also available. In-Person Season Subscriptions are available for $170. These include in-person and online access to all four concert programs this season, along with free admission to the fifth online episode of the ensemble’s “Delving Deeper” series.

October 29, 4pm @ First Parish, Sudbury and live-streamed at oldpostroad.org;
October 30, 4pm @ Emmanuel Church, Boston.

For more information, visit oldpostroad.org, email musicians@oldpostroad.org, or call (781) 466-6694.

FINANCIAL FOCUS: Should you Stick with Index-based Investments?

September 21, 2022

You may have heard that you can simplify your investment strategy just by owning index-based or passive investments. But is this a good idea? You’ll want to consider the different aspects of this type of investment style.

To begin with, an index-based investment is a vehicle such as a mutual fund or an exchange-traded fund (ETF) that mimics the performance of a market benchmark, or index — the Dow Jones Industrial Average, the S&P 500, and so on. (An ETF is similar to a mutual fund in that it holds a variety of investments but differs in that it is traded like a common stock.) You can also invest in index funds that track the bond market.

Index investing does offer some benefits. Most notably, it’s a buy-and-hold strategy, which is typically more effective than a market-timing approach, in which individuals try to buy investments when their prices are down and sell them when the prices rise. Attempts to time the market this way are usually futile because nobody can really predict when high and low points will be reached. Plus, the very act of constantly buying and selling investments can generate commissions and fees, which can lower your overall rate of return. Thus, index investing generally involves lower fees and is considered more tax efficient than a more active investing style. Also, when the financial markets are soaring, which happened for several years until this year’s downturn, index-based investments can certainly look pretty good — after all, when the major indexes go up, index funds will do the same.

Conversely, during a correction, when the market drops at least 10% from recent highs, or during a bear market, when prices fall 20% or more, index-based investments will likely follow the same downward path.

And there are also other issues to consider with index-based investments. For one thing, if you’re investing with the objective of matching an index, you may be overlooking the key factors that should be driving your investment decisions — your goals and your risk tolerance. An index is a completely impersonal benchmark measuring the performance of a specific set of investments — but it can’t be a measuring stick of your own progress.

Furthermore, a single index, by definition, can’t be as diversified as the type of portfolio you might need to achieve your objectives. For example, the S&P 500 may track a lot of companies, but they’re predominantly large ones. And to achieve your objectives, you may need a portfolio consisting of large- and small-company stocks, bonds, government securities and other investments. (Keep in mind, though, that while diversification can give you more opportunities for success and can reduce the effects of volatility on your portfolio, it can’t guarantee profits or prevent all losses.)

Ultimately, diversifying across different types of investments that align with your risk tolerance and goals — regardless of whether they track an index — is the most important consideration for your investment portfolio. Use this idea as your guiding principle as you journey through the investment world.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor: Marshall-Ben Tisdale,Westford, MA - www.EdwardJones.com/Marshall-Ben-Tisdale, Edward Jones, Member SIPC

Edward Jones, its employees and financial advisors cannot provide tax or legal advice. You should consult your attorney or qualified tax advisor regarding your situation.

Donations of Winter Coats, Boots Needed to Keep Kids Warm

NORTHBOROUGH: Cleaning and sorting your closets as the season changes? New and gently used winter coats, snow pants and boots are being collected by Northborough Helping Hands Association, Inc. (NHHA) through October 21. Sizes from toddlers to adult are needed. Donations will benefit Northborough families in need. All requests for assistance are received through collaboration with town social service programs. Donations will be distributed in late October. Collection bins will be located at Lincoln Street School (76 Lincoln St.), Marguerite E. Peaslee School (31 Maple St.), Fannie E. Proctor School, (26 Jefferson Rd.), Marion E. Zeh School (33 Howard St.), Robert E. Melican Middle School (145 Lincoln St.), Algonquin Regional High School (79 Bartlett St.), and St. Bernadette’s School (266 Main St.). The Northborough Free Library (34 Main St.) and Allure Hair Spa (299 West Main St.) will also have collection bins.

The mission of NHHA is to coordinate programs to assist residents through its programs, including the holiday program, backpack drive, medical equipment loan program, emergency aid program, and scholarship program. For more information, visit www.northboroughhelpinghands.org or email questions to coats@NorthboroughHelpingHands.org.

First Parish of Sudbury Appoints Michelle Cote as Director of Religious Education

SUDBURY: First Parish of Sudbury is pleased to announce that Michelle Cote (of Natick), has been appointed to the position of Director of Religious Education. Prior to becoming Director of Religious Exploration at First Parish of Sudbury, Cote served for 14 years as Director of Religious Education at First Parish of Stow & Acton and taught at the elementary level, both as a literacy specialist and special educator. In addition, she has worked as a life coach and advocate for adults with developmental and cognitive challenges.

Cote believes that all children and youth should be seen, heard, and valued. One of her favorite quotes is Marcus Samuelson’s African saying: “I want to believe that I am here to teach one, and more than that there is one here who is meant to teach me. And if we each one, teach one, we will make a difference.”

She is eager to begin the year and create a vibrant, active, welcoming Religious Education Program that makes a difference in the lives of children and families.

The Religious Exploration Program at First Parish is an exploratory process that offers many programs for children and teens. It focuses on teaching young people how to make moral and ethical life decisions in an accepting environment without fear or judgment. See www.fpsudbury.org to learn more about upcoming programs.

First Parish of Sudbury, located at 327 Concord Road, is a diverse and welcoming community of spiritual seekers who strive to learn together and support one another as they celebrate life’s important moments and serve the larger community. The First Parish was founded in 1640. The congregation worships in the historic meetinghouse that was built in 1685.

“Open House” at New Conservation Land September 25

BERLIN: All area residents are welcome to enjoy the new Horseshoe Pond Conservation Area in Berlin. The Town of Berlin and Sudbury Valley Trustees have collaborated to purchase this 100-acre property on the corner of Linden Street and Lyman Road and have opened it for public use. This beautiful natural area features a meadow, a small pond, and forest, and its trails connect to those in the adjacent Mount Pisgah Conservation Area.

Sudbury Valley Trustees (SVT) is a land trust that conserves natural areas and wildlife habitat in the region around the Sudbury, Assabet, and Concord Rivers. To encourage everyone to explore the Horseshoe Pond Conservation Area, SVT and the Town are hosting an “open house” at the property on September 25, from 2-4pm.

This is a wonderful opportunity to see the land for yourself. You can walk the trails at your own pace or enjoy a nature scavenger hunt with the younger members of your family. Naturalists will be on hand to pass out trail maps and answer questions in English, Spanish, and Portuguese.

“Many local residents have enjoyed the trails on this property for years, perhaps without realizing that it was privately owned land,” said Christa Collins, SVT Director of Land Protection. “Now that it is permanently protected, we want everyone to feel welcome to explore and enjoy this new conservation area.”

Collins did caution that parts of the trail can be a bit steep, but there are also flat sections that cut across a meadow.

“The trail also runs past a delightful pond in the woods,” she added. “If you are lucky, you might spot a great blue heron when you visit.”

There are no public bathrooms at the property, and visitors are advised to bring their own water. The parking area is located on Linden Street in Berlin, just west of the intersection with Lyman Road. More details are available at www.svtweb.org/nature.

We Want Your JUNK!

Marlborough Regional Chamber of Commerce Joins Marlborough Rotary Club Recycling Event

MARLBOROUGH: The Marlborough Rotary Club along with the Marlborough Regional Chamber of Commerce will hold their fall Recycling event on September 24, 10am-2pm at the Navin Rink Parking Lot, 451 Bolton Street. It is only $40 per car/truck load and one and all from anywhere in New England are encouraged to clean out their attics, basements, and businesses and get rid of their junk.

Since the fall of 2011, the Marlborough Rotary Club created a one-day project for folks to recycle all their unwanted computers, electronics, appliances, and more. The event is open to ALL communities and is focused on recycling household items rather than adding these items in the landfills.

Many things that have been sitting around in your attic, basement, or garage could be recycled at this Recycling Day event for just $40 per carload or truck load. Items include:

Electronics of all types – computers, CPUs, games, accessories, cell phones, VCRs laptops, cameras, cables, wires, keyboards, mice
All electrical equipment – small appliances, motors, shop equipment, heaters, fans, extension cords, lamps
Vehicle batteries, cars, boats, RV’s etc.
Large appliances – washers, dryers, microwaves, AC units, freezers, refrigerators without Freon
Yard and lawn equipment – mowers and snow blowers (no fluids), chain saws, weed whackers, power yard equipment
Televisions – $40 any size
Computer Monitors – $25 each
Audio speakers – $20 per pair
Child car seats – $20 each with fabric removed
Household vacuums $20 each
Treadmills $25 each
Appliance with Freon -- large $25, small $15
Lithium Ion Batteries (i.e. power tools) $5.00
Lead acid batteries (i.e. yard equipment, cars, boats, RVs $10 each
Small batteries (i.e. AA, AAA, C, D) $5/quart

Unfortunately, arrangements with the recycling company do not allow wood, plastic, tires, mattresses, textiles, hoses, glass, pool liners or large children’s plastic toys.

“We have been so excited about this event!” remarked Elaine McDonald who started the event in 2011. “With our partners, the Marlborough Regional Chamber of Commerce, we will be joining us again in this project to help our neighbors clean out their unwanted items while cleaning up the environment.”

“This project benefits everyone involved and promotes recycling for a low cost,” said Rob Schachter, President of the Marlborough Regional Chamber of Commerce. “We are delighted to join with the Rotary Club’s longtime successful event. It benefits our environment and the Marlborough Rotary Club Foundation will generate a percentage of the fees to continue the club’s service to children and families of our community, literacy projects, polio eradication, and more.”

“The beauty of this project,” noted current Rotary Club President Mark Vital, “is that it is both a service project and a fundraiser. We knew that we had made a positive impact on the environment of our community.”

“The environmental impact keeps growing year after year. We have recycled over 90,000 pounds – or more than 40 tons! That’s huge!” McDonald concluded.

It is open to ALL communities in MA, CT, NH, RI, ME and VT! Please call (978 )875-0097 with any questions that you might have about the event. Other info, visit www.marlboroughrotary.org and www.marlboroughchamber.org.

Plymouth Church in Framingham Hosts Annual Fall Fair

FRAMINGHAM: The Annual Fall Fair is back at the Plymouth Church on October 1
from 10am-2pm, with free admission, free on-site parking, and something for everyone! Respecting COVID safety guidelines. masks are encouraged indoors, air purifiers will be in use, and hand sanitizer is suggested. There will be both indoor and outdoor shops including:

Huge White Elephant Tag Sale for household goods, kitchen gadgets, home décor & linens;
Kids section for gently used toys, games, camping and sporting equipment;
Handmade Crafts and themed Gift Baskets;
Costumes;
A whole room of Jewelry;
Christmas Shop;
Books for all ages; and
Free Kids Games & Pumpkins for Painting

And what would a Fair be without food? There'll be a Homemade Bake Shoppe with lots of treats, Chowder, Luncheonette, Boy Scout Troop 12 Hot Dog stand, and more.

Also, Loulou’s Music Together will demonstrate a free musical playtime at 12:30pm especially suited for kids 0 to 5 years and the grownups who love them.

The annual Fair proceeds support the local ministries of Plymouth Church within the Framingham community, as well as and global charities focused on environmental justice, disaster relief, and humanitarian concerns. They are located at 87 Edgell Road. For more information, please call the Church Office at (508) 875-1364.

Share High Holy Days 5783 with B’nai Torah

SUDBURY: Congregation B’nai Torah, of Sudbury, warmly invites the community to join them online for High Holy Days 5783! Rabbi Dr. Lisa Eiduson, along with Cantor Kate Judd, looks forward to sharing prayer and song with the community as they celebrate the Days of Awe. The High Holy Days begin at sundown on September 25, and conclude at sundown on October 4.

The following events are planned:

Erev Rosh Hashanah: Sept. 25
Rosh Hashanah Day 1: Monday, Sept. 26 - 10am Rosh Hashanah morning service: Inspiration, reflection & community welcoming in the new year together. Online only; 1pm Shofar service and Tashlich: In-person gathering at the Wayside Inn Grist Mill, 72 Wayside Inn Road; 2:30pm Apple picking and more: Families re welcome for apple picking, a craft, and a short, sweet service at Honey Pot Hill Orchards.
Tuesday, October 4 - 7 pm: Kol Nidre - Erev Yom Kippur Service (In-person & online)
Wednesday, October 5 - 10am Morning Service (In-person & online);
12-2pm: Drive-Up, Drop-Off Food Drive (In-person only); 2:30pm: Watch and discuss the documentary The Last Blintz with Rabbi Eiduson (In-person only); 3pm Children's Service (In-person only) - For students in grades K-5; 4pm: Yizkor Memorial Service (In-person & online); 5pm Neilah & Havdalah (In-person & online).

See www.bnaitorah.com for the full schedule and registration for all events and contact the office at admin@bnaitorah.com or 978-443-2082 with any questions. B’nai Torah is a reform temple that welcomes all families, including interfaith families. It is located at 225 Boston Post Road.

Assabet Valley Camera Club Program: Birds and Birds in Flight

HUDSON/MARLBOROUGH: On October 5, the Assabet Valley Camera Club (AVCC) is pleased to host Jim DeLuco whose photographic career started more than fifty years ago after purchasing his first 35mm camera while stationed in Vietnam. Over the years Jim has been a member of both the Colonial and Gateway Camera Clubs and has received pictorial and nature awards from the New England Camera Club Council. The prior owner of DeLuco Photography which specialized in portraits, weddings and events, Jim now spends his leisure time photographing birds in Massachusetts and at Florida hotspots.

In addition to being called upon to judge at local camera clubs, Jim provides instructional classes to area photographers. DeLuco’s October 5th presentation will feature a large variety of bird photographs with special consideration given to the techniques needed for capturing their images including photographing birds in flight. Follow Jim on his Instagram at jamesfdeluco.

Due to Covid 19 all AVCC meetings are currently being held online. If you are interested in attending this program, contact AVCC at info@assabetvalleycc.com a few days prior to the meeting to request a link to the event. The club’s Zoom room opens at 7pm with a brief business meeting at 7:15pm. Jim’s presentation Birds and Birds in Flight will begin at 7:30pm.

Normally, AVCC meetings are held in the Great Room at the Hudson Senior Center, 29 Church Street. The first meeting of the month generally features a program designed to instruct and/or to entertain camera enthusiasts. During the second monthly meeting, a competition of members’ digital images are judged and critiqued by qualified individuals. Assabet Valley Camera Club, affiliated with both the New England Camera Club Council (NECCC) and the Photographic Society of America (PSA), participates in interclub competitions on regional, national and international levels.

AVCC welcomes anyone interested in learning more about photography as a visual art and its practical application as a science. Members benefit from the hands-on experiences, from the knowledge presented in programs, and from having their work critiqued. For more information check out the AVCC website at www.assabetvalleycc.com or contact Club President Elliot Mednick at (978) 293-5192.

2022-23 Worship Season Begins with Water Communion Ingathering Service

HUDSON/MARLBOROUGH: The Unitarian Church of Marlborough and Hudson (UCMH) this year marks the 50th anniversary of the first worship season after the Marlborough and Hudson congregations officially merged in 1972. In keeping with the September Worship Theme of “Belonging,” Rev. Alice Anacheka-Nasemann and the worship committee have prepared a delightful Water Communion Ingathering service featuring steel pan drum performer Jefferey Clayton. The service will be held IN PERSON in their beautiful, historic sanctuary at 80 Main Street in Downtown Hudson, and will be led by Rev. Alice Anacheka-Nasemann on September 11 at 10:30am. Everyone is welcome to participate regardless of faith, religion, or spiritual affiliation, including atheists. Additional information, including the most recent COVID-19 guidelines and links to services, is available at www.ucmh.org.

“We’ve put together a joy-filled, uplifting, family worship service for our members and friends to celebrate our coming together after the summer months,” said Rev. Alice. “We invite everyone to bring water from a source that you visited this summer, or find sacred, and together we will create a meaningful water communion ceremony.”

The Unitarian Church of Marlborough and Hudson is devoted to love, peace, positivity, and inclusion. In addition to Sunday services, UCMH offers inspiring and cultural activities for personal growth and development throughout the year. Further information is available online at ucmh.org, the Unitarian Church of Marlborough and Hudson’s Facebook page, or by calling the church office at (978) 562-9180.

YSAP & MAP 5k for Prevention

HUDSON: The Hudson Youth Substance Abuse Prevention (YSAP) and Marlborough Alliance for Prevention (MAP) is hosting a 5k run, walk, roll and stroll for prevention! The goal of this event is to help raise funds and awareness for programs such as YSAP and MAP that are dedicated to education and support related to substance use.

In 2015, Hudson’s YSAP group was created to reduce and prevent youth substance use and addiction in Hudson. Through community engagement, YSAP has continued to put their efforts into participating in community events, collecting data, hosting Narcan trainings, and so much more. Similarly to YSAP, MAP also envisions a community empowered by accessible resources and supports that can help to live a healthy lifestyle and motivate good decision making related to substance use. YSAP and MAP plan to join forces and together, host a family fun event for a cause so near and dear to the heart of many.

Lauren Antonelli, former Regional Youth Substance Abuse Program Coordinator and current Director of Public and Community Health in Hudson stated that the main goals of the event are to “Raise awareness around substance use, raise awareness for coalitions like YSAP and MAP and to raise funds for the cause.”

The event has made an emphasis on being accessible for all. “We wanted this to be community building event” said Antonelli. “That’s also why we wanted this to be for all ability levels. We want everyone in the community to come out and feel welcomed to join.”

The future of coalitions such as YSAP and MAP depend on events like these. The idea of merging both education awareness and fundraising together are important to continue bringing substance use [among youth] to the spotlight while helping to create more opportunities for change. “We are hopeful that we can continue to do events like these and even bring back our annual dodgeball tournament” shared Antonelli, referring to the dodgeball tournament last held by YSAP in the spring of 2019.

“YSAP is always looking for new members, especially youth” said Antonelli. “It’s important for the youth in our communities to have a role in this and share their experiences and ideas for preventing substance use among their own peers.” If you are interested in joining YSAP, please contact the Hudson Health Department for more information.

FINANCIAL FOCUS: Look Closely at Open Enrollment Choices

September 6, 2022

Once again, it’s the season for football games and back-to-school activities. And if you work for a medium-size or large employer, it will soon be open enrollment season – the time of year when you can review your employee benefits and make changes as needed. What areas should you focus on?

Actually, it’s a good idea to pay close attention to all your benefits. Some of the offerings may have changed from last year — and you might have experienced changes in your own life, too, which might lead you to look for something different from your existing benefits package.

You may want to start with your health insurance. If you’re satisfied with your coverage, and it’s essentially the same as it’s been, you may well want to stick with what you have. However, many employers are increasingly offering high-deductible health plans, which, as the name suggests, could entail more out-of-pocket costs for you. But high-deductible plans may also offer something of benefit: the ability to contribute to a health savings account (HSA). Your HSA contributions are made with pre-tax dollars, so they can reduce your taxable income for the year. Also, your earnings grow tax-free, and your withdrawals are tax-free, provided the money is used for qualified medical expenses. (Withdrawals taken before age 65 that aren’t used for qualified medical expenses are taxable and subject to a 20% penalty; once you reach 65, the penalty no longer applies, although withdrawals are still taxable as income if not used for a qualified expense.)

Your next benefit to consider: Life insurance. Your employer may offer a group life insurance plan, but you’ll want to evaluate whether it’s sufficient for your needs, especially if you’ve experienced changes in your personal situation over the past year, such as getting married or adding a new child. There’s no magic formula for how much life insurance you need — you’ll need to consider a variety of factors, such as your income, family size, mortgage and so on — but it may be necessary to supplement your employer’s coverage with a private policy.

Your employer may also offer disability insurance as a benefit. Some employers’ disability policies are fairly limited, covering only short periods of time, so you may want to consider a private policy.

Beyond the various insurance policies your employer may offer, you’ll also want to closely look at your 401(k) or similar retirement plan. Typically, you can make changes to your 401(k) throughout the year, but it’s important to make sure your investment selections and contribution amounts are still aligned with your risk tolerance and goals. Also, are you contributing enough to earn your employer’s match, if one is offered? And if you’ve already receiving the match, can you still afford to put in more to your plan if such a move makes sense for you?

Your employee benefits package can be a valuable part of your overall financial strategy. So, as open enrollment season proceeds, take a close look at what you already have, what’s being offered, and what changes you need to make. It will be time well spent.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor
Financial Advisor, Alan Bell, Littleton, MA
Edwardjones.com/Alan-Bell
Edward Jones, Member SIPC

Edward Jones, its employees and financial advisors cannot provide tax or legal advice. You should consult your attorney or qualified tax advisor regarding your situation.

Rev. Kathleen Hepler Begins Serving at First Parish of Sudbury

SUDBURY: First Parish of Sudbury is pleased to announce that Rev. Kathleen Hepler has begun serving as their new minister. Rev. Hepler was ordained in 1984 and served most recently as Interim Minister at First Parish Church United of Westford. Prior to that, she held the position of Senior Minister at First Parish of Framingham from 2007 to 2018. During her 38 years in ministry, she has served in many states, including CA, PA, NJ, and MD. She began her career in social work, before making the move to ministry. She earned a B.S. in Social Work from Ohio State University and a Master of Divinity from Starr King School for the Ministry.

“After 38 years as a UU minister, I have an ever-increasing commitment to the power of spiritual community. Especially one that takes its vision into a world that needs our vision of justice, equity, and compassion,” comments Hepler.

First Parish Board Chair Sherri Cline was impressed with Rev. Hepler’s awareness of the challenges churches face today—as well as her optimistic outlook. “Her congregations have been impressed by her pastoral care and by her sermons which are thought-provoking and sprinkled with good humor.” Rev. Hepler has particular skill and training in helping congregations develop systemic patterns that can enhance vitality and in changing those that cause difficulty.

Rev. Hepler looks forward to welcoming the community to Homecoming Sunday, on September 11 at 10am, both in-person and online. Participants are encouraged to bring a small container of water, that is from (or represents) something of meaning from the summer, to share during an annual water communion. See fpsudbury.org to learn more.

First Parish of Sudbury, located at 327 Concord Road, is a diverse and welcoming community of spiritual seekers who strive to learn together and support one another as they celebrate life’s important moments and serve the larger community. The First Parish was founded in 1640. The congregation worships in the historic meetinghouse that was built in 1685.

The Northborough Garden Club presents Autumn Enchantment

NORTHBOROUGH: The Northborough Garden Club is moving their holiday fundraising event from November to September to showcase the beauty of New England autumn. Join them on September 24 for an afternoon of Autumn Enchantment featuring a floral demonstration by Tina Bemis, co-host of the Gardner’s Calendar on WTAG radio and co-owner of Bemis Farms Nursery in Spencer.

Wow your family, friends and neighbors this coming season with a unique floral design. Tina Bemis will demonstrate how to create a show stopping floral design for the entrance to you home. Using material from your own garden and other locally sourced plants, you will learn how to decorate the entryway to your home in a style that reflects your personal taste. Past president of the MA Flower Growers Association, renowned container gardener and accomplished instructor, Bemis will demonstrate and inspire you to craft a one-of-a-kind floral decoration. Whether you are experienced or interested in floral design this event is sure to showcase the beauty of our New England gardens.

Autumn Enchantment will be held at the Peaslee School, 31 Maple Street. Doors open at 12:30pm when you can enjoy some light refreshments and take a chance on our garden and food themed raffles. Tina Bemis’ presentation begins at 1:30pm. Tickets for this event are $10, available online thru the Northborough Garden Club website at https://bit.ly/3Ax9c6n. Tickets are also available at the door on the day of the event.

WANTED: Treble Voice Singers

NATICK: The A Cappella Singers, based in Natick, sings both accompanied and a cappella music. They welcome prospective new members in all parts (Soprano I and II, Alto I and II) who have prior choral experience and/or can read music to join their group - particularly Sopranos. They will be holding open rehearsals at Fisk Memorial United Methodist Church, 106 Walnut Street on September 12, 19 and 26 at 7pm, with the next concert on December 3, 2022.

The A Cappella Singers was formed in 1963 as part of the Natick Newcomer’s Club and consists of members from many towns and many walks of life, all with a common love of vocal music. They are a dues-paying, non-profit organization. At this time, proof of vaccinations and masks are required to join. To find out the latest information, visit www.theacappellasingers.org, email info@theacappellasingers.org, or call (774) 231-1963 or (781) 444-5963.

The Wayside Inn Foundation Kicks Off Mishoon Project

SUDBURY: The Wayside Inn Foundation (TWIF) is happy to announce the start of “Feeding the Fire: The Mishoon Project at The Wayside Inn” on September 4. A mishoon is a canoe made from a fresh pine log that is shaped through a process of burning, using Indigenous techniques that span millennia. The mishoon project will take 7-10 days and be managed by TWIF partners Andre Strongbearheart Gaines, Jr. (Nipmuc) of No Loose Braids and Hartman Deetz (Mashpee Wampanoag) of Ockway Bay Wampum. They will work alongside a team of apprentices to ensure the continuation of the tradition for future generations.

The mishoon will be made on the east side of The Wayside Inn Historic Site (72 Wayside Inn Road), near the Innkeeper’s Loop trailhead, across from Josephine’s Pond. During the project, visitors are welcome to stop by 10am to 9pm daily until the mishoon is finished to see the canoe's progress and ask questions. TWIF will also facilitate the following programs:

September 9 (7:30–10pm) – Community Night Program (Details TBA. This program will involve cooking over the mishoon fire).
September 10 (10am–noon) – Family Program
September 11 (2–4pm) – Family Program
Saturday, September 17 (noon–2pm) – Mishoon Launch and Celebration

All programs are FREE, and no registration is required. Volunteer opportunities are available for individuals interested in a hands-on experience or students looking for community service hours. More information about the project is available at https://bit.ly/Mishoon2022.

FINANCIAL FOCUS: Prepare Yourself for a Long Retirement

August 29, 2022

We all want to live long lives. We all expect to live long lives. But are we financially prepared for this longevity? Before we get to the issue of preparation, let’s look at a couple of interesting findings from a 2022 survey by Age Wave and Edward Jones:

The surveyed retirees said, on average, they expect to live to 89, and they said the ideal length of retirement is 29 years.
When asked if they want to live to 100, nearly 70% of the respondents said “yes.” The main reason for this desire for long life? To spend more years with their family and friends.

Of course, none of us can see into the future and know how long we’ll be around. But with advances in medical care and a greater awareness of healthy lifestyles, these aspirations have a real basis in reality.

However, if you’re going to enjoy a longer lifespan, and the extra years with your loved ones, you need to ensure your finances are also in good shape. How can you make this happen? Here are some basic steps to follow:

Save and invest early and often. This may be the oldest piece of financial advice, but it’s still valid. The earlier you start saving and investing for your retirement, the greater your potential accumulation. Consider this: If you began saving just $5,000 per year at age 25, and earned a hypothetical 6.5% annual rate of return, and didn’t take any early withdrawals, you’d end up with $935,000 by the time you reached 65. But if you waited until 35 to start saving and investing, and you earned the same hypothetical 6.5% return – again with no early withdrawals – you’d only end up with $460,000. And if you didn’t start saving until 45, you’d end up with just over $200,000, again given the same 6.5% return.
Be mindful of debt. You may not want to be burdened with certain debts when you enter retirement. So, while you’re still working, try to reduce unwanted debts, particularly those that don’t offer the financial benefits of tax-deductible interest payments. The lower your debt load, the more you can save and invest for the future.
Keep reviewing your progress. It’s important to monitor the progress you need to make toward achieving your goal of a comfortable retirement. Over the short term, your investment balances may fluctuate, especially in volatile financial markets such as we’ve seen in the early part of this year. But you’ll get a clearer picture of your situation if you look at long-term results. For example, have your accounts grown over the past 10 years as much as you had planned? And going forward, do you think you’re in good shape, or will you need to make some changes to your investment strategy? Keep in mind that, if you’re 50 or older, you can make “catch-up” contributions to your IRA and 401(k) that allow you to exceed the regular limits. You may also want to adjust your investment mix as you near retirement to potentially lower your risk exposure.

Hopefully, you will enjoy many years of a healthy, happy retirement. And you can help support this vision by carefully considering your financial moves and making the ones that are right for you.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor
Financial Advisor, Mandy Calouro, Chelmsford, MA
Edwardjones.com/Mandy-Calouro, Edward Jones, Member SIPC

Greek Festival Labor Day Weekend

MARLBOROUGH: Sts. Anargyroi Greek Orthodox Church, at the intersection of Cashman and Central Streets is holding it's annual Grecian Festival, September 3, 4 and 5; Saturday and Sunday noon to 11pm, and Monday 11am - 3pm. One of the oldest festivals, which started back in 1981 and has improved every year since!

Finally, it's Lamb Shank, Pita and Loukoumathes season in town!

Along with the shanks, you'll find both lamb and chicken shish-ke-bab, spanakopita (spinach pie) and Tiropita (cheese pie). Also, huge pieces of Pastitsio (Greek baked mac & cheese), Greek style green beans in tomato sauce, Greek style roasted potatoes cooked in lemon and oil with spices, pilaf, grape leaves, meatballs and much more. Of course there's Mythos, Fix and Bud Light beers, many Greek wines, ouzo & tsipouro, whatever your heart desires. Hoping you save room for deserts! Bougatsa, Baklava, Kataifi, Flouyeres , Saragli, karithopita, Finikia, Kourabethes, koulourakia including a new favorite chocolate koulourakia and Baklava Sundaes and more are all on the menu. To cool down there's a Frappe Station (Greek iced coffee) and of course Loukoumathes (fried dough balls) with home made honey syrup.

More changes this year include a re-vamped gyro and souvlaki station, under the tent, in the middle of Central Street, right next to the live bands.

Speaking of bands, Saturday night from 6-11pm will feature Dimitra Aristidou's band with her favorite Bouzouki Player, Stavros Petridis and guest star on Bouzouki, Kosta Taslis! Sunday night from 6-11pm will feature the Ted Chingras Band with another outstanding bouzouki player.Music is played throughout the Festival by Marlborough's own George "Regas" Regan, the happiest Greek DJ, who often entertains while singing with his music.

On Saturday, the Boston Lykeion Ellinidon Dance Group will perform at 3pm and 5pm. Finally, on Sunday, the famous Greek Pride, Hellenic Dance Group from Rhode Island will perform at 3pm and 5pm.

Church guided tours Saturday and Sunday from 2-4pm, and Monday at 1pm. There will also be a bouncy house, face painting and kid friendly foods available. Greek souvenirs and a Marketplace. ATM's on the premises and admission is free.

Come have fun, OPA! OPA? I think you mean Opalicious! Info: www.stsarargyroi.org.

Wanted: New Members for Hundredth Town Chorus

WESTBOROUGH: Hundredth Town Chorus, an all-volunteer treble chorus, is seeking new members, especially First Sopranos, although all parts are welcome. Opening Day is September 14 at 9:30am. Rehearsals run from 9:30-11am on Wednesdays at Congregation B'nai Shalom, 117 E. Main Street. The chorus is not affiliated with the synagogue, but is most grateful for their donation of rehearsal space. There are no night or weekend rehearsals or obligations and no fundraising or ticket selling. All performances are free and held on Wednesday mornings.

Interested singers are invited to come on opening day, as well as the two open rehearsals on September 21 and September 28. On Opening Day, interested people can meet with Board members and Committee Chairs, get to know current group members, try out a new song or two with the chorus under the direction of the Assistant Conductor, and receive chorus information and registration materials. Those who wish to register will receive a music packet to take home. The following two Open Rehearsals led by Mary Havlicek Cornacchia will be an opportunity to meet with singers for conversation and section placement.

HTC is an organization of women who enjoy singing four-part harmony in a relaxing and fun environment. The chorus was founded in 1949 by the Westborough Women's Club, with a mission to share the joy of music by singing and entertaining at area nursing homes, assisted living facilities, and senior centers. Today's chorus is made up of members from all over Worcester County, including Westborough, Northborough, Shrewsbury, Marlborough, Grafton, Hopkinton, Southborough, Millbury, and Uxbridge. The chorus also occasionally performs at local public events such as Westborough's Arts in Common and the Westborough 300th Anniversary Celebration. Music includes holiday classics, Broadway favorites, popular music, and folk songs, as well as an occasional classical number.

For more information, visit the website hundredthtownchorus.com or facebook page, email htc.chorus@gmail.com, leave a message for the president Betsy at (508) 393-8133, or just show up at any September rehearsal.

Berlin Girl Scout Completes Gold Award Project

BERLIN/WEST BOYLSTON: Local Berlin Girl Scout Gabby Bourassa, from Troop 75302 has just finished her Gold Award Project titled Camp Woodhaven Woodlands. The Gold Award is the highest award that a Girl Scout can earn and it requires over 80 hours. Gabby, spent over 100 hours on this project building bridges and painting educational signs for Camp Woodhaven in West Boylston.

The trail that Gabby wanted to fix up was very muddy and lacked engagement for campers while they were walking the trail. To fix this issue, Gabby built two 10-foot bridges that covered the muddy area and the stream that ran across the path. Gabby also hand-painted seven local plants and five animals on wooden signs. The animal signs had statistics on the animal and interesting facts.

Gabby completed her project by putting a plaque on each of her bridges that reads: Frog Bog Bridge - GSA Gold Award Project by - Gabrielle Bourassa - June 2022. She looks forward to campers being able to enjoy the trail for many more summers to come and is very proud of all the work she did.

Gabby would like to thank all of her friends and family who have supported her through this amazing journey as well as the following people: her troop leader Julie-Anne, the camp director Paula, her mentor Pam, Mr. Senie for allowing her to hold a fundraiser at Village Cafe and Pizza, and Koopman Lumber for their donations. Without help from all of these people and organizations, this project would not have been possible.

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