August 27, 2022 Issue, Page 3 of 12

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August 27, 2022 The Elk City News -3 News Jena Nelson Ready to Fight How the Inflation Reduction for Public Education in Act Can Help Small Oklahoma Businesses and All of Us (Oklahoma City) - Jena Nelson, candidate for Oklahoma State Superintendent of Public Instruction, released the follow- By Ted James, Region 6 ing families (and small busi- ing operating costs and pro- will help up to 280,000 farm- ing statement regarding the preliminary results of the republi- South Central Administra- nesses) about $500 per year. tecting against the volatile ers and ranchers apply con- can primary runoff election: tor, U.S. Small Business Ad- With just these two measures, energy prices. Additionally, servation to approximately “On November 8, Oklahomans will face a stark but simple ministration we could save about $1300.00 small businesses can deduct 125 million acres of land, choice: do they believe education should be available to all our a year. kids or do they believe it should be a privilege afforded only to provide relief for distressed up to $1.00 per square foot the elite? I will fight to ensure the future of public education in The Inflation Reduction of their business for making USDA borrowers whose agri- But it doesn’t stop there. Oklahoma for everyone. My grifter opponent will do whatever Act (IRA) will lower prescrip- The IRA will also lower pre- high energy efficiency up- cultural operations are at risk his billionaire masters instruct him to do. He is a puppet of spe- tion drug, health care, and scription drug costs by cap- grades. The per square foot through loan modifications cial interest. I know that public education saves lives because it energy costs. It will lower the ping out of pocket expenses deduction is boosted if the or payments and provide fi- saved mine. I will spend the next two months fighting to ensure deficit and no one making on prescription drugs for peo- efficiency upgrades are com- nancial assistance to farmers the future of public education in Oklahoma.” under $400,000 per year will ple on Medicare at $2,000 per pleted by workers who are who have experienced past Mrs. Nelson is an English instructor with 17 years of class- pay a penny more in taxes. It year, cap insulin for Medicare a paid a prevailing wage - discrimination in USDA lend- room experience. Her teaching excellence was recognized when will also fight climate change. patients at $35 per month helping businesses save even ing programs. We need every she won 2020 Oklahoma Teacher of the Year. This is a pretty good deal for and finally allow Medicare to more money while providing farmer to contribute to reduc- most of us dealing with our negotiate prices. If you are good paying jobs. ing food inflation and feeding Be Like A Bee - Humbly changing climate patterns: scorching temperatures, esca- an older business owner on Medicare, these direct cost ‘The IRA extends the quali- fied business income deduc- the nation and the world. Together with his Bipar- savings are for you. Accept and Employ lating damaging storms, new tion, the pass-through de- tisan Infrastructure Law, monsoon seasons and all the The IRA creates new av- duction, from 2025 through the CHIPS and Science Act, havoc they cause. If we can enues for small businesses to 2027, providing a 20 percent God’s Gifts slow climate change down, we all win. make profits if they advance in environmental businesses deduction on business in- come and extends the popu- and American Rescue Plan, President Biden's economic plan is showing that we have Abehive, - made up of drones, a queen & workers — may have Lower healthcare costs are ~ making and servicing solar lar research and development up to 60,000 bees in it. The queen’s purpose is to produce up to a win, as well, for most, for panels and wind turbines, tax credit and increases how the courage to build a future 2,000 eggs a day over her lifetime of two to seven years. both families and small busi- retrofitting buildings with en- much can be applied to pay- where every American has a Why so many eggs per day? 30 days would be sufficient for nesses. If you are a sole pro- ergy efficient windows, doors roll taxes. The R&D credit fair shot! creating a hive of 60,000. That's because a worker bee lives only prietor getting your health in- and HVAC units, or entering gives businesses of all sizes Ted James is the Region from four to six weeks during the peak of the season! surance from the Affordable the supply chain for new elec- the opportunity to reduce 6 Regional Administrator of ‘Amazing! These busy bees actually give their lives for the hive, going thru these 7 stages of life: After being layed, a bee egg goes Care Act marketplace or have tric vehicles, whose compo- the taxes they owe based on the U.S. Small Business Ad- from larvae to pupae, and then hatches into a young adult bee. employees who use it, health nents will need to be made in a formula calculated using ministration, overseeing SBA Within a few hours of hatching, a bee's first job is to help clean care costs will go down, by up America. And if they want to expenses they've incurred to programs and services in the and cap cells being filled with honey. They feed the male drones, to $800 per year. Because the directly join the climate fight, develop new products. If the states of Louisiana, Oklaho- and the queen, and look after the unhatched baby bees. Biden/Harris Administration small businesses can receive a new products fight climate ma, Texas, New Mexico and All at once, these worker bees change jobs and begin receiving has been successful in tack- tax credit that covers 30% of change, it's a double win. Arkansas. His biography can and storing nectar from others. During this time, they also keep ling the climate crisis, the IRA the cost of switching over to Rural communities, finally, be accessed here: Regional busy packing pollen into empty cells; they build the honeycomb. will reduce energy bills, sav- low-cost solar power — lower- are not left behind. The IRA Administrator (sba.gov) ‘They sweep the hive of debris, and also help to cool the hive in hot weather with their wings. Another change occurs, & they focus on ripening the honey, and guarding the hive from enemy attack. Finally, bees morph one last time: they become foragers., searching for and collecting nectar for honey. ‘These trips range from six to eight miles, and a bee may visit UCO Accepting Admissions Applications for 2023-24 Academic Year 50 to 100 flowers in one trip. After finding a new nectar source, scouts fly back to indicate where. Direction, distance & source are indicated by an elaborate dance, showing the location to oth- ers in the hive. It has been calculated that it takes many bees, The University of Central ships with the submission of a $2,000 per year for four years, sion after the deadline but will flying back and forth, approximately 55,000 trips in all, to make one pound of honey. Oklahoma is now accepting completed online application depending on their high school not be considered for scholar- However, it has also been measured that in its entire life, one applications for admission for and all admissions-related GPA and ACT or SAT score. In- ships. worker bee produces only about 1/12th ofa teaspoonful of hon- the 2023-24 academic year. documents by Feb. 1, 2023. coming transfer students with Additionally, 2023-24 Free ey! They literaly give their whole lives in serving others! Would Incoming freshmen and trans- “Getting your application a 3.0 cumulative GPA and at Application for Federal Stu- we? Maybe if we did, we would be dancing at the last also! (taken in early helps solidify scholar- least 24 credit hours will au- dent Aid (FAFSA) applications from Signs of the Times, August, 2022) fer students will automatically - Ertis Johnson be awarded academic scholar- ships, financial aid and hous- tomatically receive $500 per will be available starting Oct. ing,” said Jancy Scott, senior year for two years. 1, 2022. director of recruitment and Applicants are also auto- Are you properly insured? For more information on admissions at Central. matically submitted for con- “It also reduces overall sideration for other select how to apply to Central, visit stress during your senior year UCO scholarships when they www.uco.edu/admissions-aid/ You probably won't see it on portant, but you'll also want nent insurance, such as the of high school.” apply for admission by the apply-now/. your calendar, but September to consider what type of life ability to borrow against the is Life Insurance Awareness insurance is right for you. You cash value of a policy to pay Incoming freshmen can term deadline. Incoming stu- For more information about Month. And it is indeed im- have two basic choices: term or automatically receive up to dents may apply for admis- FAFSA, visit studentaid.gov. for unexpected expenses. Ul- portant to be aware of the im- permanent insurance. portance of life insurance. Are As the name suggests, term timately, in making the choice you adequately insured? Many people aren't. About insurance provides coverage between term and permanent for a specified amount of time, insurance, you'll need to look “Sometimes You Just Need 40% of Americans face some such as 10, 20 or 25 years. type of life insurance gap, Term insurance only offers a death benefit — there's no at your entire financial picture to determine which option is To Help Them Cry” either because they're unin- best for you. sured or underinsured, accord-buildup of cash value in your the bed and out into the hall- In fact, life insurance should ing to a 2021 survey by the policy. Generally speaking, way. She walked him rapidly research and advocacy groups term insurance is considered be a key component of your LIMRA and Life Happens. to be quite affordable, espe- overall financial _ strategy, A Coffectne Colamn back to the living room, said all her goodbyes, and left. The need for life insurance cially when you're young. along with your investment When she finally had Davey is pretty straightforward: If Permanent insurance, on mix and the long-term goals something were to happen the other hand, offers a death With Andy & Renie Bowman —— in the car, mom turned and to you, would your family be benefit and the opportunity you've set. Insurance can even asked what in the world pos- to build cash value. Because of play a role in your estate plan- Mrs. Johnson took her little private bedroom of the lonely sessed him to disturb Mrs. able to continue their same boy with her when she stopped widow, she turned to quietly this, premiums for permanent ning, as you determine the Cline in her bedroom. lifestyle? Would the mortgage insurance — which includes best way to distribute assets to by her neighbor's home to de- retreat back to the kitchen. Davey turned sad innocent still be paid? Would your chil- dren still be able to further “whole life” or “universal life” your family members and any liver a casserole for the griev- But then a very familiar small eyes up to his mom's, and said — are considerably higher charitable organizations you ing widow. Mr. Cline had died voice coming faintly from be- in a very subdued voice, “I was their education? than those for term life. suddenly and the community hind that door stopped her in So, if you decide that you support. just looking around the house Which type of insurance was rallying to aid and comfort her tracks. With horror she to have sumpin’ to do. But should acquire or strengthen should you choose? Again, it Life Insurance Awareness his grieving wife. realized that her rambunc- when I found that door and your life insurance, how much all depends on your situation Month lasts 30 days — but Getting ready to leave af- tious friendly little son had I opened it, there was Mrs. do you need? Your employer and your preferences. Some your need for life insurance ter a short visit with all the disturbed the privacy of the Cline, just layin’ there crying. may provide you with some in- financial experts advise people can endure for decades. Make neighbors gathered there, Mrs. widow, tucked away in her bed- Everybody needs somebody to surance as an employee bene- to “buy term and invest the sure you're doing everything fit, but it may not be sufficient. difference” — that is, use the you can to protect your loved Johnson couldn’t locate her room to grieve alone. cry with when they hurt, Mom. You might have heard that you money saved on the lower term five-year-old, Davey. She qui- Embarrassed at his intru- Twas just helpin’ her cry.” should have coverage worth insurance premiums to invest ones. etly began to search through sion, she turned back and Out of the mouth of babes. seven or eight times your an- in stocks and mutual funds. ‘This article was written by Ed- all the rooms of the large eased the door open, intend- Everyone needs someone to nual salary. But this estimate Others, however, disagree, and ward Jones for use by your local home. But to no avail, that boy ing to apologize profusely, grab care when they hurt. is just that — an estimate. point to the benefits of perma- Edward Jones Financial Advisor. had completely disappeared. her wayward child, and beat a Words aren’t always neces- Everyone's situation is differ- Mystified and a little anxious, quick retreat. But as she looked sary, and sometimes truly un- ent, and there’s really no one she finally noticed a short hall- into the room, she saw her son needed. But to share their pain formula that can tell you how way leading off the large foyer. sitting motionless on the edge and grieve with them? To just much insurance you require. To determine the coverage you Knowing this might be the an- of the bed where Mrs. Cline be there, share a warm hug, need, you'll want to consider Edward Jones, Member SIPC swer to the missing Davey, she lay, eyes closed, sobbing her do a chore that you know you several factors, including your walked down the hall towards a heart out. Davey was holding can do for them...those acts age, number of dependents, 2014 W. 3rd | Elk City, OK 73644 closed double door. the limp hand of the widow as of thoughtfulness are always your income and that of your But as she drew closer, she silent tears slid down his own welcome to a person who has spouse and the size of your mortgage. Robert Stephens (580) 225-3156 heard the unmistakable sounds of quiet, desperate, feminine cheeks, lost a part of their world. Don’t Her son finally looked up be afraid to give love and care. Knowing how much cover- sobbing. and spied Mom frantically mo- And many times, it is best done age you need is obviously im- Financial Advisor [email protected] Realizing this must be the tioning him to come away from - not just said.