As an investor, risk is always part of the journey – but how you manage it can depend on where you are in life.

Early in your career, you can invest for growth and take on more risk, knowing you have time to recover from market downturns.

In midlife, with goals like retirement and college savings, it’s generally time to balance growth with stability.

Near retirement, preserving wealth becomes key – though growth still matters to help keep up with inflation.

And in retirement, you may want to reduce risk, but not eliminate it entirely. A balanced mix in your portfolio and a smart income withdrawal strategy can help your money last.

And while you’ll seek balance based on your life stage, even a diversified portfolio doesn’t fully protect against loss.

Risk tolerance changes over time, and your strategy should too. Staying informed and flexible can help you better navigate market volatility and stay on track toward maintaining long-term financial success.

This content was provided by Edward Jones for use by Alan Bell your Edward Jones financial advisor at 222 Great Road, Suite 8, Littleton, MA 01460 (Donelan's Plaza) 978-486-1059.

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.

 Welcome to winter!  The volunteers at Fresh Start on Tuesday morning arrived with the first snow of the season.  Fortunately, it was not enough to necessitate closing.  We had four client visits scheduled but three cancelled because of the weather.   We met our new volunteer & administrative coordinator and look forward to working together.  As we worked, sorting linens, cleaning and testing lamps and small appliances, unloading and loading furniture, and entering items into inventory we shared thoughts about our Thanksgiving celebrations and the Patriots win.
Four (!) trucks arrived filled with linens and blankets and comforters  from the Hudson and Marlborough Lions Clubs who did a blanket drive for us.  Our crew couldn’t get through it all today to make an accurate count.  What a wonderful “Giving Tuesday” gift!

An inventory check showed some gaps in our supplies.  We need new bed pillows and mattresses and box springs for our clients.  Also rugs and dressers.  We seem to always be low on kitchen items like silverware, non-slotted spoons, measuring cups and spoons, strainers, vegetable peelers, tongs, can openers and whisks.

Please check our website to learn more about our organization and help us to help others.  We love cash donations to pay the rent and keep the truck fueled!  We accept small donations on Tuesday and Thursday mornings from 9 until noon.  Furniture donations as well as household items can be brought on Saturday mornings from 8:30-10:30(furniture)and until noon for small items.  We are located at 16 Brent Drive in Hudson.  Check us out!

 

It is a magical time of year – lights shining bright, ornaments glistening on Christmas trees, and Santa visiting throughout the area.

But for many people, the holiday magic is fraught with anxiety, and they have reached out to the Beacon Santa for help in providing a little Christmas cheer.

And so, we are reaching out – asking you to help us. Please consider donating this year – every little bit helps.

One mother writes that she is struggling to make ends meet, especially after her children’s father died in June. “I am worried that I will not be able to provide my children with a Christmas they deserve because there simply is not anything left for gifts and holiday extras after covering basic needs. I do my best to keep things stable for my children, but the holidays can be especially hard. Your generosity would make a world of difference for my children,” she writes.

One mother struggling to leave an abusive husband is asking for help for three of her five children this year. “I am hoping the holiday season with all its magic of Santa will bring them joy, laughter and smiles during this tough time. I don’t think I will be able to afford gifts under the tree this year and I don’t want to see disappointment and more sadness, so I am reaching out for help,” she writes.

The Beacon Santa Fund, which originated in 1965, raises money to give holiday gift cards to families in 12 communities: Acton, Boxborough, Billerica, Bedford, Concord, Chelmsford, Lexington, Lincoln, Littleton, Maynard, Stow, and Westford.

Beacon Santa turns once again to its readers, without whose generosity some families will not receive holiday help. Donations are tax deductible, of course.

A final note, so that would-be donors can feel assured that their good intentions actually do good. The Board of Directors are all volunteers. Donations are intended entirely to help families in need; no funds are ever diverted for member stipends or salaries.

How to donate
By mail: Beacon Santa Fund, c/o Middlesex Savings Bank, Maynard Crossing, 7 Digital Way, Maynard, MA 01754
By mail:  Beacon Santa Fund, PO Box 643, Maynard, MA  01754
Online: Through PayPal, https://www.paypal.com/fundraiser/charity/1541809.  A PayPal account is not needed to donate.
New this year, you can donate with Venmo:  @beaconsanta1965

Immigrants in our area who want to improve their competency in English now have greater opportunities.  Fourteen generous and enthusiastic people have just completed a training course and are now certified to be tutors of ESOL (English for Speakers of Other Languages).  These recent “graduates” include seven from Wayland – Lois Bruss, Sue Feldman, Lidet Girma, John Mead, Dona Mitra, Clinton Savidge and Wendy Sobel; one from Sudbury – Carol Abbot; one from Natick – Ginit Marten; one from Acton – Louisa Chase, one from Wellesley – Jackie Leung: one from Waltham - Mimi Facher; one from Carlisle - Kathy Wasserman; and one from Marlborough - Luba Robidoux. These new tutors, like those who were trained last spring, and some who have been tutoring for years, work one-to-one with learners. Learners currently working with our tutors have come from many different countries, including Korea, Ukraine, Brazil, Bolivia, Mexico, Latvia, Turkey and China.
Much tutoring is now done remotely, using whatever technology works for both tutor and learner, be it FaceTime, Skype, Zoom or simply phone and email.  Some tutor/learner pairs work in person, typically in a local library.
As usual, we can put all possible tutors to work with waiting learners.  The next two tutor-training courses have been scheduled: one starting in January and one starting in early March.  Tutors do not need to know another language, nor do they need to know every detail of English grammar.  For more information see the Wayland Library website.

Are you thinking of separating or going through the divorce process? The Metro-West Boston Divorce Support Group is a confidential peer-support group with no religious affiliation. Men and women from all towns are welcome. Our group has been meeting in Acton for decades. Now we are continuing weekly on Thursday evenings by remote videoconference. For more information, call Doreen 617-957-0838 or contact paulbaker01@verizon.net

Taught by local artist Judith-Grace Miller, these 6 week classes start the week of January 5 at the Parish Center for the Arts in Westford and are perfect for beginners and those looking for a refresher working in oil or acrylic. We'll cover design and composition, value, color mixing and more to help you best express yourself as an artist. There will be weekly demos and plenty of personalized easel-side assistance in these small group classes. Choose from day or evening: Monday evenings Jan 5–Feb 9 from 6:30–8:30pm or Wednesday mornings Jan 7–Feb 11 from 10:30am—12:30pm. $275. Instructor will provide materials list upon registration. Register here https://parisharts.square.site/arts-in-the-loft

Have you ever thought about tutoring someone in English? Since 1990 the library has been
training adults to become volunteer ESOL (English for Speakers of Other Languages) tutors.
Most people who decide to become tutors are thinking of the good it can do, helping others
become more proficient in English and better able to cope with employment, landlords, schools
or the medical profession. But then they discover the rewards, the satisfaction that comes as
progress is made and a relationship develops that enriches both learner and tutor. Tutors often
speak of their pleasure in learning about another culture and their greater appreciation of the
challenges facing those who are adapting to ours.

No prior knowledge of a foreign language is needed, just an openness to other cultures and the
desire to share your knowledge of English. The training is free, although it is necessary to
purchase a textbook for about $40.

Tutors will be prepared to work with their learners either remotely, as we often do now, or in
person, as is sometimes possible. Tutors now are using Teams, FaceTime, Zoom, telephone and
email as they “meet” with their learners and enjoy both success and personal connection.
We still have learners who need our help.

Registration for tutor training is now open! Two sessions are currently scheduled:

- The January 2026 classes for new ESOL tutors are scheduled for five Wednesday
evenings, 6:00PM – 9:00PM. Dates are January 7, 14, 21, 28 and February 4. Only
the last session will be held in-person in the Wayland Library conference room. The
rest of the sessions will be held on Zoom. Pre-registration is required.

- The Spring 2026 classes for new ESOL tutors will meet on Monday mornings
9:00AM – noon on March 9, 16, 23, 30 and April 6. Only the April session will be
held in-person at the library; all others will be on Zoom. Preregistration is required.
If you are interested in participating, wish to enroll or have questions, please contact Ginny Steel
and Jane Albert at esol@waylandlibrary.org

Come and join for a Community Chanukah Menorah Lighting at the Littleton Town Common on Thursday, December 18, 2025 at 6:00 p.m.
Menorah Lighting followed by music, hot latkes, delicious donuts, Chanukah cookies and drinks.
Menorah will stand on the town common throughout the Chanukah festival.      

Wander through the sugar plum fairy's magical land of Sweets!
Creations made from gingerbread, candy and so much more!

SATURDAY, DEC 6 TH:   1-5 PM
SUNDAY,  DEC 7 TH:   3-7 PM

ALL SAINTS' ESPICOPAL CHURCH
10 Billerica Road
Chelmsford, MA    01824

A fundraiser to support:
Outreach programs at All Saints' Church      

Community Christmas Chorus will present its annual concert to raise money and collect food for the Westford Food Pantry on Sun., Dec. 14, at 7:00 p.m., at First Parish Church, 84 Main St., at Westford Common.  Thirty-one singers from several area towns, directed by René Minalga-Rheault, will perform sacred songs dating from high renaissance to the 21st century, plus a lively arrangement of “Jingle Bells.” The women’s ensemble, Elements, will perform “Tundra,” a piece by the contemporary composer Ola Gjeilo.  Donna Olson, a Westford native and voice teacher, who has had leading roles in opera and oratorio throughout the country, will also perform. The program also includes an audience carol sing-a-long.

Suggested donation for admission is $5 a person, $15 a family, plus 2 non-perishable food items for the food pantry.  All money collected at the door will be donated to the pantry.  For further information, please call 978-692-8416.

Will you help the children?
Hundreds of applicants have reached out, as they do every year, asking the Beacon Santa for help in making their Christmas just a little bit brighter.
It is a request we can’t meet without your help.
One single grandmother writes that she has custody of her teenage grandchildren and struggles to make ends meet. She is asking for help from Beacon Santa because Christmas presents are simply not in the budget.
“I know they no longer believe in Santa … [but] they still love the magic,” she writes.
Another grandmother writes that she and her husband have had custody of their grandson since he was 3 ½. They both work to help pay for an advocate and the therapy her grandson needs for his autism and anxiety. Once again, they are asking Beacon Santa for help to put a few presents under the tree.
“Every Christmas he has been blessed with the help from the Beacon Santa,” she writes.
The Beacon Santa Fund, which originated in 1965, raises money to give holiday gift cards to families in 12 communities: Acton, Boxborough, Billerica, Bedford, Concord, Chelmsford, Lexington, Lincoln, Littleton, Maynard, Stow, and Westford.
Beacon Santa turns once again to its readers, without whose generosity some families will not receive holiday help. Donations are tax deductible, of course.
A final note, so that would-be donors can feel assured that their good intentions actually do good. The Board of Directors are all volunteers. Donations are intended entirely to help families in need; no funds are ever diverted for member stipends or salaries.

How to donate
By mail: Beacon Santa Fund, c/o Middlesex Savings Bank, Maynard Crossing, 7 Digital Way, Maynard, MA 01754
Online: Through PayPal, https://www.paypal.com/fundraiser/charity/1541809.  A PayPal account is not needed to donate.
New this year, you can donate through Venmo:  @beaconsanta1965

Come to the League of Women Voters’ Holiday Party on Thursday, December 11, at 7:30 p.m. to celebrate the season and learn more about the League in a casual, relaxed environment. The gathering will be held at the Westford Museum, 2 Boston Road, and will include light refreshments.
In the spirit of giving, the League is again suggesting that attendees bring donations for the Westford Food Pantry. While not mandatory, an unexpired, non-perishable food or personal care item in its original, unopened packaging will be welcome. All donations will be brought to the pantry at the Cameron Senior Center. A list of most-needed items is available on the pantry’s website at westfordpantry.org.
The League of Women Voters is a nonpartisan, grassroots organization of people of all genders, ages, and backgrounds. The League’s goals are to encourage active and informed participation in government, increase understanding of major public policy issues, and influence public policy through education and advocacy. The League does not support or oppose any candidate or political party. For more information about the League in Westford, go to lwv.westford.org.

 

Looking to make your portfolio more tax-efficient? Tax-loss harvesting might be worth a look.

It’s a strategy where you sell investments that have dropped in value to offset gains elsewhere – potentially lowering your tax bill and boosting long-term returns.

2025 could be a good year to consider it. Market volatility has created more chances to realize losses, and upcoming tax law changes may make timing especially important.

But this strategy isn’t for everyone. It works best if you have taxable accounts, capital gains and a long-term outlook.

And you’ll need to follow IRS rules, like the wash-sale rule, which limits when you can buy back the same, or substantially identical, investment.

Sometimes, holding onto an investment and letting it grow over time may outweigh the benefit of lowering your capital gains tax this year.

Before making moves, talk to your financial advisor and tax professional to decide if tax-loss harvesting is right for you.

This content was provided by Edward Jones for use by Alan Bell, your Edward Jones financial advisor at 222 Great Road, Suite 8 Littleton, MA 01460, 978-486-1059.

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.

 

Who: Worcester Chamber Music Society
What: “Baroque on Fire”

Program
Francesco Geminiani | Concerto Grosso #1, after Corelli, in D major, Op. 5
Jean-Philippe Rameau | Fifth Concert in d minor, from Piéces de clavecin en concerts
Domenico Scarlatti | Sonata in d minor K141
Georg Philipp Telemann | Fantasy #1 in B-flat major, TWV 40:14–25 9
Michael Praetorius | Selections from Dances from Terpsichore
Antonio Vivaldi | Concerto for two violins in A minor from L’Estro Armonico, Op. 3 No. 8

When & Where: Thursday, December 4 at 7:30 PM
First Congregational Church
14 Mountain Road, Princeton

Friday, December 5 at  7:30 PM
Museum of Worcester
30 Elm Street, Worcester

Pre-concert talk ½ hour prior to the performance
Post-concert reception for all

How: Adult $31-40, Senior $29-38, College Students $10
EBT/WIC/ConnectorCare $5, Youth 17 and under free

Information and tickets for these concerts are available on the ensemble’s website, www.worcesterchambermusic.org, or by calling the office at (508) 926-8624.

 

America is facing a food system shortage. Livestock veterinarians are the new endangered species. Farmers are losing access to the experts they need to keep our food supply safe.
More than 500 U.S. counties across 46 states are federally designated veterinary shortage areas. Just 1.3% of registered veterinarians specialize in food animal practice. This frontline workforce is fraying at a time when U.S. farms produce over 94% of all red meat and poultry Americans consume.
Addressing this growing concern will require sustained industry investment in education that makes veterinary careers more accessible, in recruitment efforts that prioritize rural areas, and in hands-on training that adequately prepares the next generation.
Food animal veterinarians are the unsung heroes of American agriculture. They inspect livestock, administer vaccines, and provide critical guidance on herd health. They support the viability of family farms, local economies, and the safety of the food on our tables.
Yet the United States has lost 90% of food animal veterinarians since the 1950s. And the number of these critical vets continues to decline.
For one, the cost of veterinary education is prohibitive. New graduates leave school with an average debt load of about $150,000. For those called to food animal practice, that financial burden is often compounded by lower pay than they could expect to earn in clinics that focus on companion animals.
Then there's the nature of the work. Rural veterinarians have to travel long distances to reach clients and face physical strain from handling large animals. They're often on call both nights and weekends.
The result is a dwindling workforce.
For farmers, this creates impossible choices: delay care or watch helplessly as animals suffer and operations become less productive. These aren't just emotional losses. They threaten the survival of farms and ranches.
The consequences ripple outward to grocery stores and dinner tables. When veterinary oversight is compromised, it becomes harder to contain the spread of foodborne pathogens. Roughly 9 million Americans fall ill from contaminated food each year -- a number that could soar if we fail to restore the frontline of livestock care.
The shortage could also limit our ability to tackle emerging diseases in animal populations, which often spread quickly through supply chains, and in some cases, jump to humans. Early detection and response require having trained veterinarians on the ground.
There are several things we can do to help overcome this challenge.
Loan repayment and scholarship programs are already making an impact. The U.S. Department of Agriculture's Veterinary Medicine Loan Repayment Program offers up to $40,000 per year for students who commit to working in shortage areas after graduation. My employer, Merck Animal Health, has awarded scholarships and grants to veterinary students, which totaled over $1.5 million in 2024 alone. In July, the company partnered with the Farm Journal Foundation to expand its online educational hub, which features learning modules designed to help students succeed in veterinary careers.
There's room for more public- and private-sector initiatives like these.
Recruitment strategies also need to evolve. Students from rural backgrounds are more likely to return to and serve their home communities. Veterinary schools must do more to identify and support these students.
Equally important is improving the training of future veterinarians. Increasing access to hands-on, experiential, and virtual learning can equip students with the skills they need to succeed.
Revitalizing rural veterinary care isn't just about filling vacancies -- it's about ensuring the vitality of communities and protecting our food supply. By investing in the next generation of livestock veterinarians, we can do just that.
Justin Welsh, DVM, is the executive director of U.S. livestock technical services at Merck Animal Health. This piece originally ran in the Oklahoman.

Are you thinking about giving to charity? If you itemize your tax deductions, your donations to qualified charities may be tax-deductible.

For that to work, your total deductions must exceed the standard deduction. In 2025, that's $15,750 for single filers and $31,500 for couples.

For some people, combining donations with mortgage interest, and state and local taxes exceeds that standard deduction to make itemizing possible.

But if not, consider "stacking" your charitable donations to exceed the standard deduction – giving more this year for greater tax benefit, then taking the standard deduction next year.

Of course, not all donations qualify. You must give to IRS-recognized charities, and you can’t receive personal benefits in return.

Above all, keep good records. Receipts and acknowledgments matter. For larger non-cash donations of property, the IRS requires a qualified appraisal.

A tax professional and financial advisor can help you develop a giving strategy that aligns with both your charitable goals and financial situation.

This content was provided by Edward Jones for use by Alan Bell, your Edward Jones financial advisor at 222 Great Road Suite 8 Littleton, MA (Donelans Plaza). alan.bell@edwardjones.com, 978-486-1059.

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.

 

It is with great pleasure that Groton Grange #7, with The Contra Banditos, host a One Time Holiday Contra Dance Extravaganza. We will be honoring our internationally celebrated 95 year old Barn Dance Caller, the "one and only", Mr. Dudley Laufman (read his Wikipedia page). The dance will be held December 6th, 7:30 to 10:30 PM, at the Groton Grange #7, 80 Champney St, Groton. All ages, beginner and experienced dancers, are invited. Dudley Laufman will be the caller. Refreshments will be served. Admission is $6 per person; family maximum is $20. PARK ON GRANGE SIDE OF CHAMPNEY ST. ONLY.

 

Volunteers needed to bring joy to families in need this holiday season
CANTON, MASS. (November 3, 2025) – With the holiday season approaching, The Salvation Army Massachusetts Division is kicking off its annual Red Kettle Campaign across the Commonwealth, and volunteers are urgently needed in nearly every region.
As more families across Massachusetts face economic hardship, inflation and housing costs heading into the holidays, the need for The Salvation Army's services continues to grow. The organization serves as a critical safety net, providing Christmas gifts and food, offering emergency assistance with bills, and providing shelter to those without a home. All Red Kettle proceeds support The Salvation Army's work with individuals and families right in the communities where donations are collected. On average, volunteer bell ringers raise enough money to provide nearly 250 meals to children and families in their respective towns. The theme of this year’s campaign is “Give With JOY.”
“Each act of generosity, large or small, helps The Salvation Army make the season brighter for families across Massachusetts,” said Major Elijah Kahn, General Secretary of The Salvation Army Massachusetts Division. “Our volunteers and donors embody the spirit of the holidays and make it possible for us to bring joy where it’s needed most.”
The first local Red Kettle campaigns of 2025 kick off across the state in November. Areas with upcoming campaign launches that are in need of volunteers and support include: the Merrimack Valley, Cape Cod and Southeastern Massachusetts (Hyannis, Fall River, and New Bedford), the North Shore (Newburyport, Salem, and Lynn), MetroWest, Mass Bay/Boston, the Route 2 area (Athol, Greenfield, and Fitchburg), as well as Western (Springfield and Pittsfield) and Central Massachusetts (Milford and Worcester).
The Salvation Army Massachusetts Division is working to raise more than $2.3 million through this year’s Red Kettle Campaign to support critical year-round social services. Donations can be made in person at a Red Kettle or virtually.
To volunteer at a Red Kettle or donate online, visit salvationarmyma.org/redkettle.

About The Salvation Army
The Salvation Army helps more than 28 million people in nearly every zip code in America overcome poverty, addiction, and economic hardships through a range of social services. By providing food for the hungry, emergency relief for disaster survivors, rehabilitation for those suffering from substance abuse, and clothing and shelter for people in need, The Salvation Army is doing the most good at our more than 7,400 centers of operation around the country. In 2024, Forbes ranked The Salvation Army 6th in its list of America’s Top 100 Charities. And in 2021, The Chronicle of Philanthropy ranked The Salvation Army 2nd on its list of “America’s Favorite Charities.” For more information about supporting The Salvation Army or your local service centers, visit salvationarmyma.org. Follow us on X @SalvationArmyMA and #DoingTheMostGood.

The Nashoba Symphonic Band, David Wayne Bailey, Music Director, will present its first Chamber Music Concert of the 2025-26 Season on Sunday, December 7th at 2 pm in the auditorium of the Nashoba Regional High School, Route 117 (GPS Green Road), Bolton MA. Admission is Free!

The concert features three performing groups comprised of members of the Nashoba Symphonic Band. The NSB Clarinet Choir will play the Overture to Humperdinck's Hansel and Gretel, Mozart's Divertimento No.14 and Christmas Day, a medley of familiar carols by British composer, Gustav Holst. The Trombone Ensemble offers several selections, including music by Mendelssohn, Weber and Scott Joplin. Rounding out the program will be the NSB Chamber Players with Tower Music by Massachusetts-born Alan Hovhaness and Robert Nagel's Serenade for Winds.

Nashoba Symphonic Band is a program of the Nashoba Regional High School Friends of Music and supported, in part, by the kind grants of cultural councils in Bolton, Lancaster, Stow, Clinton, Ashby and Lunenberg, local agencies supported by the Mass Cultural Council, a state agency.

 

State Senator Jamie Eldridge (D- Marlborough) and State Representative James Arciero (D- Littleton) announced that the Town of Littleton has been awarded $5,000,000 through the state’s FY26 Community One Stop for Growth program. The funding, part of the MassWorks Infrastructure Program, was officially announced September 30, 2025 by the Healey-Driscoll Administration and will support the next phase of the King Street Commons Public Infrastructure Project.
The funding will go toward Phase 3 of the multi-year effort to transform the King Street area into a vibrant residential and mixed-use neighborhood. Specifically, this phase will create a new internal street network and implement key surface improvements, unlocking access to multiple parcels and enabling future development. It will also include traffic, pedestrian, and utility upgrades that build on infrastructure installed during Phases 1 and 2.
“The construction of the King Street Common is an important step to enhancing green infrastructure and facilitating a new mixed-use neighborhood for Littleton’s future growth. I especially want to recognize Representative Jim Arciero’s leadership as the previous House Chair of the Joint Committee on Housing, whose advocacy was instrumental in securing an initial $10 million earmark for this project’s infrastructure. I’m also grateful to DOER Secretary Eric Paley, EOHLC Secretary Edward Augustus, Town Manager Jim Duggan, and the Littleton Select Board for their commitment to bringing this vision to life,” said State Senator Jamie Eldridge. “Littleton is a leading example for towns across Massachusetts by advancing innovative and sustainable community development.”
“This is a major win for Littleton and a critical investment in the town’s future,” said State Representative James Arciero. “These infrastructure upgrades are essential to the long-term growth of Littleton. I’m grateful to Governor Maura Healey, Secretary Eric Paley, and Secretary Ed Augustus for their continued commitment to supporting our communities through programs like MassWorks.”
The MassWorks Infrastructure Program is a competitive grant program under the Executive Office of Economic Development and a key component of the broader Community One Stop for Growth platform, which supports housing production, job creation, and community revitalization across the Commonwealth.

 

As the year winds down, it’s time for a financial tune up.

Here are some steps to consider:

If you’re 73 or older, you’ll need to take required minimum distributions from traditional retirement accounts to avoid a 25% penalty on any amount you should have withdrawn but didn't.

And if you're still working, consider ramping up your pretax retirement contributions. Not only will this help your future self, but it might reduce your current tax bill.

Now is also a good time to review your investments. Did they perform as expected? Do they still match your goals? You may need to rebalance.

One more thing: If you’ve had major life changes like marriage, divorce or a new baby, review the beneficiary designations on all bank and brokerage accounts. These often override what’s written in your will.

Taking care of these and other financial tasks now can help you start the new year on solid ground.

This content was provided by Edward Jones for use by Alan Bell, your Edward Jones financial advisor at 222 Great Road Suite 8 Littleton, MA (Donelans Plaza). alan.bell@edwardjones.com, 978-486-1059.

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.

Armistice Day recognizes Peace. Veterans Day recognizes war, sacrifice, and militarism. We need to change Veterans Day back to its original designation - Armistice Day.
The Great War (World War I) concluded November 11, 1918, with an end of hostilities between the Central Powers and the Allied Powers. The first Armistice Day was celebrated exactly one year later to commemorate Peace and World War I veterans. President Woodrow Wilson proclaimed it: “a day to be dedicated to the cause of World Peace and to be thereafter celebrated through the exercise of good will and mutual understanding.” In 1938, Congress made it a national holiday.
President Eisenhower, following WWII and Korea with pressure from Veterans groups, changed the name in 1954. Veterans Day has become largely ceremonial and patriotic emphasizing military pride and sacrifice. Armistice Day was recognized with ringing church bells and speeches calling for Peace. Groups reflected on the costs of war and advocated for international cooperation.
Changing back to Armistice Day doesn’t mean disrespecting veterans. In fact, many veterans support the idea — believing that the best way to honor them is to prevent future wars. As veteran and historian Howard Zinn once said: “Another Memorial Day. Another war. Yes, let's honor those who died in the nation's many wars. But if we do not want to keep adding to the soldiers' graves, let's also ask why they died.” (2005)
This country spends an extraordinary amount of money on war making. And, it has been in perpetual war since Eisenhower’s renaming. Changing the holiday back to Armistice Day might help us recognize the need for diplomacy over war and shift our focus to creating Peace and abandoning warfare.
I encourage local churches to ring their bells eleven times at 11:00AM every November 11th to commemorate the end of The Great War and to support Peace in our badly fractured world.

Willard Hunter
Veterans For Peace
US Navy 1968-1972

= = == = == = =
Citation (APA style):
Wilson, W. (1919, November 11). Proclamation 1872—Armistice Day, 1919. The American Presidency Project. https://www.presidency.ucsb.edu/documents/proclamation-1872-armistice-day-1919

It is with great pleasure that Groton Grange #7, with The Contra Banditos, host a One Time Holiday Contra Dance Extravaganza. We will be honoring our internationally celebrated 95 year old Barn Dance Caller, the "one and only", Mr. Dudley Laufman (read his Wikipedia page). The dance will be held December 6th, 7:30 to 10:30 PM, at the Groton Grange #7, 80 Champney St, Groton. All ages, beginner and experienced dancers, are invited. Dudley Laufman will be the caller. Refreshments will be served. Admission is $6 per person; family maximum is $20. PARK ON GRANGE SIDE OF CHAMPNEY ST. ONLY.

The timeless enchantment of a magical fairy tale is reborn with the Rodgers & Hammerstein hallmarks of originality, charm and elegance. Originally presented on television in 1957 starring Julie Andrews, Rodgers & Hammerstein's Cinderella was the most widely viewed program in the history of the medium. Its recreation in 1965 starring Lesley Ann Warren was no less successful in transporting a new generation to the miraculous kingdom of dreams-come-true, and so was a second remake in 1997, which starred Brandy as Cinderella and Whitney Houston as her Fairy Godmother. As adapted for the stage, with great warmth and more than a touch of hilarity, this romantic fairy tale still warms the hearts of children and adults alike. This Enchanted Edition is inspired by the 1997 teleplay. This production is family friendly and appropriate for all ages! Ballgowns and fancy wear are encouraged! Cinderella opens November 14th and runs through November 25th at Westford Academy in the WA Performing Arts Center. Tickets can be purchased at https://cur8.com/17049/project/133623 

A coalition of community organizations in Westford is coming together to invite local residents to show up in solidarity for the Bearing Witness @ ICE demonstration in Burlington on Wednesday, November 19. This collaboration aims to raise awareness about immigrant rights and ensure that voices from Westford join the broader movement for justice, due process, and human dignity.
Bearing Witness @ ICE takes place every Wednesday from 11:00 a.m. to 1:00 p.m. outside the U.S. Immigration and Customs Enforcement (ICE) Field Office, located at 1000 District Avenue, Burlington, MA. The Burlington ICE facility, housed in a commercial office building, is used by ICE’s Enforcement and Removal Operations to process and detain immigrants.
Participants gather in a civil, peaceful demonstration every week to “show love & support for immigrants, express our shame at ICE, and bear witness to the cruel and unconstitutional actions of our government.”
Those interested in attending on November 19 are encouraged to meet in Westford at 10:15 a.m. in the First Parish Church United parking lot, 48 Main Street, to carpool and coordinate rides to Burlington. Participants are also welcome to meet directly at the site.
For important details about the demonstration, including parking information in Burlington, what to expect, and how to register, visit tinyurl.com/bearwitnessburlington.
This effort is spearheaded by a collaboration of Westford-based organizations, including the League of Women Voters of Westford, First Parish Church United, and St. Mark’s Episcopal Church, with support from other groups to encourage broad attendance by Westford residents at Bearing Witness @ ICE on November 19.
Email info@lwv.westford.org with any questions.

There are some myths around Social Security we should clear up.

The first is that it is going bankrupt. But according to a Social Security Administration analysis from June 2025, benefits will continue – though starting in 2033, it may only pay 77 cents on the dollar. Congress has options to fix the shortfall before then.

The second myth is that budget cuts will delay or reduce benefits. Budget cuts and staff reductions may affect wait times when calling or visiting a Social Security office, but only Congress can change benefit amounts, which they have not done. Currently, the Social Security Administration states that benefits and Supplemental Security Income (SSI) for current recipients will not be delayed.

Third is the myth that these benefits are no longer taxed. However, if your combined income exceeds certain thresholds, you'll owe taxes on part of your benefits.

For now, save adequately and make informed decisions about when to claim your benefits. A financial advisor can help.

This content was provided by Edward Jones for use by Alan Bell, your Edward Jones financial advisor at 222 Great Road Suite 8 Littleton, MA (Donelans Plaza). alan.bell@edwardjones.com, 978-486-1059.

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.

 

The Council on Aging at the Human Services & Senior Center is located at 30 Sudbury Rd, Rear.
Telephone: 978-929-6652            
Email: seniorcenter@actonma.gov       
Website: www.actoncoa.com/  
Facebook:  www.facebook.com/actoncoa​

Opening Hours: 
Monday: 8:00am-4:00pm
Tuesday: 8:00am-6:00pm
Wednesday & Thursday: 8:00am-4:00pm
Friday: 8:00am-12noon

Relaxing Reiki Appointments with Monica     
Monday, November 17th, 8:30-11:30am                                                                        
Acton 60+ only
Reservations for appointments open at 8:30am on Tuesday, Nov. 4th: 978-929-6652
(no voicemails please)
Reiki is an ancient Japanese holistic therapy used to nurture and heal the body, mind, heart, and spirit. It is a gentle, non-invasive treatment where the practitioner uses a light gentle touch to balance energy in the receiver. When the body is in balance, it is better able to heal and support itself. Reiki is a great form of self-care! Appointments are 30 minutes in length. Make sure to call the COA if you need to cancel an appointment so we can call someone from the waitlist. Monica Forrest is a certified Usui Reiki Master practitioner with a private practice in Acton, blackirisreiki.com.

Monday Movie Matinee
All the President’s Men
Monday, November 17th, 1:00-3:20pm
(1976, PG) Dustin Hoffman, Robert Redford and Jason Robards star in the film about the Washington Post reporters who uncovered the details of the Watergate scandal, which led to President Richard Nixon’s resignation. Oscar Best Picture nominee; win for Art Direction, Sound, Writing, and for Robards as Best Supporting Actor. DVD available to borrow from resource shelf after Nov. 17.

Cultivating Courage Workshop via Zoom
Tuesday, November 18th, 1:00-2:00pm                                 
Open to all age 60+/free
If you had the courage to do anything, what would you do? Life presents frequent chances to take risks, have adventures, and address obstacles. From trying a new activity to asking for help to going somewhere alone for the first time to coping with a crisis, we can empower ourselves to act. Join Dr. Miriam Rosalyn Diamond to claim your strengths, gain inspiration from brave role models, and identify manageable steps to expand your experience. Participate via Zoom from home or at the Senior Center with a group watching on a large screen TV. Register: seniorcenter@actonma.gov or 987-929-6652.

Tonjiru Soup Cooking Demonstration
Tuesday, November 18th, 2:00-3:00pm                                                                   
Acton age 60+ only
Warm up this fall with a comforting bowl of Tonjiru—a Japanese miso vegetable soup. This hearty dish features plenty of root vegetables, tofu, and miso for a rich, nourishing flavor. We will prepare both vegetarian and non-vegetarian versions, so everyone can enjoy. In this demo-style class taught by Asako Judson, you will discover new vegetables, see simple cutting techniques, and learn how they come together in this wholesome, fiber and mineral rich soup. Registration is required; if you find you cannot attend please inform the COA. Asako Judson, who lives in Acton, has worked at several restaurants and as a private chef and caterer.

Live Folk Music Hootenanny
Tuesday, November 18th, 3:00-4:15pm         
Open to all age 60+/free
Musicians Howie Rashba and Mel Green will perform familiar and favorite folk music and folk-rock classics. Whether you are a seasoned Hootenanny fan or experiencing one for the first time, this is your opportunity to share in a spirited tradition! Songs such as This Land is Your Land, If I Had a Hammer, Blowin’ in the Wind, and Mr.Tambourine Man are often included. Hootenanny is a term with Scotch-Irish roots that found its way to Appalachia before being popularized in the 1940s by folk legends like Woody Guthrie and Pete Seeger. Come sing along, clap your hands, stomp your feet, and brighten your day! Howie Rashba and Mel Green have delighted local audiences with their warmth and music including at the New England Folk Festival.

Reflexology Appointments with Rebecca Howard
Tuesday, November 18th, 3:00-4:30pm                                                               
Acton age 60+ only
Reflexology is a complementary health therapy involving applying gentle pressure to specific points on the hands, feet, and ears to promote relaxation and promote healing and balance in other parts of the body Curious how reflexology can help you? Contact the Council on Aging to make an appointment with reflexologist Rebecca Howard and let us know if you must cancel; appointments only available to those who did not see Rebecca last month.

Focus Group
Tuesday, November 18th, 4:30-5:30pm                                                                         
Acton 60+ only
Acton Public Health is looking for your feedback. Join us for a discussion and short survey. Participants will be entered to win a drawing for a gift card. Refreshments will be served. Please sign up prior to the event.

Needle Arts Fair
Wednesday, November 19th & Thursday November 20th, 10:00am-2:00pm                   
All welcome
The Wednesday group will be offering hand-made items for sale. Proceeds benefit Friends of the COA.

The 20th Century: A 1950-1959 Review with Dawn Gomez
Thursday, November 20th, 1:00-2:00pm      
Open to all age 60+/free
“The Nifty Fifties” in the US were a transformative decade marked by post-WWII prosperity, suburban expansion and cultural shifts. Fueled by a booming economy and government spending, Americans embraced consumerism with new cars, televisions and suburban homes becoming symbols of middle-class success. The era saw the birth of the baby boom generation and the introduction of many toys to amuse them from Mr. Potato Head to Play-Doh. Teenagers became a distinct social group with disposable income, fueling the popularity of rock music, led by Elvis Presley and other icons. Television was a dominant force in shaping entertainment and advertising with shows like Father Knows Best and I Love Lucy reflecting idealized family life. Not everything was positive though—politically, the Cold War intensified, sparking anti-communist fervor through McCarthyism and military engagement in the Korean War. Additionally, the civil rights movement began to gain momentum, challenging segregation and laying the groundwork for future social change. Come learn more about this decade and share your own family stories as well. Dawn Gomez, Reminiscing Round Table Founder, provides topic-based programs for seniors at assisted living and senior center communities.

Common Estate Planning & Elder Law Questions Seminar
Thursday, November 20th, 1:00-2:30pm                                                         
Open to all age 60+/free
Attorney Dale Tamburro will present on the most common estate planning and elder law questions he is asked in his work. Questions include: Why should I review and update my legal documents? What are credit shelter trusts? What are the most pressing estate planning issues of concern for elders and their families? What is a durable power of attorney? What are federal and state estate taxes? Bring your specific question—Dale will answer as many as time allows.

Ukulele Play Along—New Monthly Series!
Friday, November 21st, 10:00-11:00am    
Open to out-of-towners age 60+ for $5/month
Have you learned the basics of ukulele from Julie Stepanek’s earlier classes and are ready for more? Join Julie for a monthly play along. After a short review and Q&A, participants will play some fun and easy songs because one learns to play the ukulele by playing the ukulele! When you sign up, please indicate whether you will bring your own ukulele or use one provided by Julie. Group will typically meet on the third Friday each month but watch the newsletter for dates. Sign up once to attend this monthly series, but please let the Council on Aging know if you are not continuing.