SCORES & OUTDOORS: Black squirrel makes another appearance

Black squirrel on a suet feeder. (photo courtesy of Michael Bilinsky)

Roland D. Halleeby Roland D. Hallee

I received an email recently from a reader/supporter, from China Village, who sent along a photo of a black squirrel he has seen around his home. He asked if I could do a column on them. I did a couple of years ago, but here goes, to refresh everyone’s memory.

I know they exist, but just how many are there?

Several years ago I had the rare opportunity to see a black squirrel in Waterville. In North America, black squirrels are uncommon, with one estimate putting them at a rate of one in every 10,000 squirrels. In 1961, students at Kent State University, in Ohio, released 10 black squirrels that had been captured by Canadian wildlife authorities. The squirrels now populate the campus and have become the school’s unofficial mascot. Their coloring might help them hide from predators, which might come in handy at Kent State: The campus is also home to hawks.

Black squirrels have been spotted in both the United States and the United Kingdom, and now scientists believe they know why. Like many animals with unusual color schemes, black squirrels are the result of a genetic detour. Researchers at Anglia Ruskin University, Cambridge University, and the Virginia Museum of Natural History, collaborated on a project that tested squirrel DNA. Their findings, which were published in BMC Evolutionary Biology, demonstrated that the black squirrel is the product of interspecies breeding between the common gray squirrel and the fox squirrel.

The black squirrel is actually a gray squirrel with a faulty pigment gene carried over from the fox squirrel that turns their fur a darker shade. (Some fox squirrels, which are usually reddish-brown, are also black.)

Scientists theorize a black fox squirrel may have joined in on a mating chase involving gray squirrels and got busy with a female. The black fur may offer benefits in colder regions, with squirrels able to absorb and retain more heat, giving them a slight evolutionary edge.

According to Mental Floss‘ Jake Rossen, black squirrels are relatively rare, constituting just one in 10,000 of the seemingly ubiquitous rodents.

Black squirrels are actually grey squirrels with a genetic mutation that causes them to have black fur. They are more aggressive and territorial than the gray squirrels, too, and the result is that the black squirrels will usually run all the other squirrels “out of Dodge”.

The new work builds on research from 2014, which found that the black fur is caused by the grey squirrel having a pigment gene with a missing piece of DNA.

In mythical folklore, the black squirrel symbolism does not mean good luck. Instead, it means solar eclipse according to some legends. Therefore, a black squirrel is the enemy of humanity and needs to be destroyed if mankind wants to enjoy the heat and light of the sun. Of course, this doesn’t mean you have to go out and dispatch a black squirrel just because he’s hanging out in your neighborhood.

Black squirrels normally live up to a year, but some have lived up to 10 years. Black squirrels will eat anything they are offered, often feeding on nuts and acorns, any kind of seed, fruit, insects and even bird eggs. Mating occurs from December through January.

Black squirrels share the same natural range as their counterparts. In addition to their natural range, black morphs of eastern gray squirrels were also introduced into other areas of Canada, the United Kingdom, and the United States during the 19th and 20th centuries. Black morphs of eastern gray squirrels occur most frequently in the northern portion of its range around the Great Lakes Basin. Conversely, black morphs of fox squirrels typically occur most frequently in the southeastern portions of the species’ natural range, the southeastern United States. Although they are found more frequently in those regions, the coloration remains uncommon in most areas that these species inhabit. However, black morphs of eastern gray squirrels forms the majority of the species’ population in the Canadian province of Ontario, and the U.S. state of Michigan.

Several municipalities and post-secondary schools in the United States have adopted a black squirrel for branding purposes, using it as a symbol and/or mascot. Some municipalities that have adopted the black squirrels as a symbol for their community have also passed ordinances that discourage attempts to threaten them.

If you’re fortunate enough to see, one enjoy. He is merely a gray squirrel in disguise.

Roland’s trivia question of the week:

What is the New England Patriots logo commonly referred as?

Answer can be found here.

FOR YOUR HEALTH: Don’t Let Flu Season Sneak Up On You

Flu shots are available at CVS Pharmacy and MinuteClinic locations nationwide

(NAPSI)—Get the facts, not the flu. For many people, the start of fall means busier schedules and longer to-do lists, but you shouldn’t let your annual flu shot fall to the bottom of that list.

What You Can Do About The Flu

With flu season approaching and COVID-19 cases still prevalent, Sandra Leal, PharmD, MPH, FAPhA, offers the following tips to help you fight the flu this season:

Get your annual flu shot as soon as possible: Getting your flu vaccine is the best way to help prevent the flu. The Centers for Disease Control and Prevention (CDC) recommends getting your vaccine as early in the fall as possible, ideally before the flu season begins. Not only can you help protect yourself from getting sick but you can help protect your family, friends and at-risk populations such as those who are 65 and older, people with certain immunocompromising or chronic medical conditions, infants or children under 5 and pregnant women. CVS Pharmacy and MinuteClinic locations nationwide administer the flu shot every day, with evening and weekend hours. New this year, you can schedule flu vaccination appointments for up to four family members at the same time for added convenience by visiting CVS.com, through the CVS app or by texting FLU to 287898.

Stay home if you’re sick: It’s important to know what the early symptoms of the flu are, such as fever, cough and body aches. If you experience them, you should stay home and away from others and, if you are sick, you should limit your contact with others as much as possible to stop the spread.

Practice good health habits: Beyond staying up to date with your vaccinations, you should wash your hands frequently, get plenty of sleep, be physically active, manage your stress, drink plenty of fluids and eat nutritious food. These are all healthy habits that can help support your immune system during flu season.

For seniors, take advantage of your vaccine options: For those over age 65, CVS Pharmacy and MinuteClinic offer three senior dose flu vaccines—Fluzone HD, Flublok, and Fluad. They may help create a stronger immune response and are preferred for seniors because they are at greater risk of developing severe flu-related illnesses. For protection against COVID-19, the CDC has also confirmed that patients can get any of the currently authorized COVID-19 vaccines at the same time as the flu vaccine, so don’t hesitate to get your flu shot and COVID-19 booster simultaneously during your next visit.

Learn More

Certain immunizations have age and location restrictions. For additional information on vaccines, visit www.CVS.com and www.MinuteClinic.com.

I’M JUST CURIOUS: What are idioms?

by Debbie Walker

I like words, groups of words and their meanings. I didn’t know for years, what an Idiom was. I had to learn it while working with first and second graders! So here goes, let me give you what I learned, and it is in the Mary Jane’s Farm magazine from the July 20-21 issue. Sorry, but I don’t know who submitted it.

For anyone who is out of touch with these things, an Idiom is a group of words that convey a meaning not quickly figured out. For instance, if you are talking to someone new here from Chile and you tell them it’s ‘raining cats and dogs today’, what do you think the picture will be in their mind? Oh, yeah, questions I believe.

I am giving you some of them and the history of the saying:

“I can be ready AT THE DROP OF A HAT”: (quickly) 1800s when the drop of a hat was a signal for the start of a race.

“Stop BEATING AROUND THE BUSH”: (avoid getting to the point) Dates back to the 1400s. Wealthy hunters would hire men to literally beat the bushes to draw out the birds.

“I can see you have a BEE IN YOUR BONNET” (Obsessed with something). You can’t stop thinking about something. First used in 1500s, likening the busyness of a beehive.

“Don’t try to BUTTER ME UP”: (to flatter). Came from ancient India, where it was custom to throw balls of butter at the statues of gods to seek their favor, forgiveness, and fortune.

“Let’s CUT A RUG”: (dance). Phrase from the 1920s invention of the jitterbug, a vigorous dance, would make carpet look cut.

“Don’t LET THE CAT OUT OF THE BAG” (Tell a secret): Originates in the 1700s, street vendors would sell pigs and present them in a bag. There was a fraud, the vendors would replace the pigs with cats. Wasn’t discovered until they reached home.

“Use some ELBOW GREASE on that”: (apply physical effort). First used in 1600s, a term for working in a sweat.

“PUT A SOCK IN IT!” (stop talking): 1800s people used socks to stuff the horns of their gramophones to muffle the sound (early volume control).

“Don’t SPILL THE BEANS” (tell a secret): Ancient Greek, voting process of placing beans in a container, if someone spilled them the results would be prematurely revealed.

“That new tool just doesn’t CUT THE MUSTARD.” (live up to expectations): Thought to have come from the phrase “pass the mustard” when solders are assembled for inspection. Also, as early as the 1600s phrases like as ‘hot as mustard’ or ‘as strong as mustard’ were used to describe something powerful or enthusiastic and to measure up would be to cut the mustard’.

“I have a NEST EGG (Savings)”. This is thought to have originated from the practice of placing fake eggs in hens’ nest to encourage them to lay more eggs, resulting in more income for the farmer.

Can you imagine if you are struggling with the language here as it is and then we throw in a few of these idioms, that’s just not fair. I’m just curious if you ever questioned an idiom. Feel free to send me your comments to DebbieWalker@townline.org. Have a great week and thanks for reading.

REVIEW POTPOURRI: James K. Polk

James K. Polk

Peter Catesby Peter Cates

James K. Polk

A Jacksonian Democrat, the 11th President James Knox Polk (1795-1849) promised to be a one-term leader and to do what needed to be done in that self-allotted time span. His style was secretive, in working quietly behind the scenes.

But he accomplished what he set out to do.

Among his achievements was the westward expansion of the United States into California and Oregon at the cost of a war with Mexico and some diplomatic hostilities with Great Britain over the expansion of Canada below British Columbia.

President Polk also put into effect the Walker Tariff of 1846 which greatly reduced the taxes on foreign goods which the Whig Tariff of 1842 had implemented, much to the anger of northern industrialists, who didn’t believe in the free market as Polk and his fellow Democrats did.

Finally, although Polk was a slave owner, he avoided the topic as much as possible in his speeches and policy decisions, much to the annoyance of certain southerners.

In the end, by holding to a mostly secretive below-the-radar management style, he managed to antagonize the radical Whigs and radical Democrats, both accusing him of mendacity in his secrecy.

Sarah Polk

First Lady Sarah Childress Polk (1803-1891) was born into a very wealthy family in Murfreesboro, Tennessee, and sent away to the Moravian Institute, in Salem, North Carolina, then considered one of the finest private schools in the country.

The couple got married on New Year’s Day in 1824 and she was the totally supportive help mate whose advice her husband sought more often than from fellow politicians.

However, like a number of other First Ladies, she avoided political discussions like the plague at social gatherings. And, as a result, she got on well with visitors who were among themselves the bitterest enemies.

In her ever-fascinating, at times gossipy book, America’s First Ladies, Christine Sadler writes very captivatingly of Mrs. Polk, skillfully pinpointing how this presidential couple was truly joined at the hip:

“Rugged old Sam Houston once said in exasperation, and perhaps after he had imbibed a dram too much that the only fault with James Knox Polk, the president who literally worked himself to death, was that he was ‘addicted to the drinking of plain water. ‘ Some felt much the same way about Polk’s handsome wife, Sarah. Her disciplined goodness was apt to bore and then to irritate lesser mortals.

“She was vivid to look at-a real Spanish-beauty type with the air of a high-born Donna, and her dresses were of magnificent fabrics in gorgeous colors – but in personality she was determined to be colorless. She was gracious, democratic, affable, and pulled no conversational bloopers. She was well-educated and some have said that in some respects she was a better politician than her husband, but ladies of her day did not discuss politics – not if they were real ladies. Sarah Polk, with her belief in the non-controversial, would not have discussed it anyway. Her conversation, at which she was considered quite good, ran to exclamatory sentences such as, “Sir, I’ve never known it otherwise!’ and to little come-ons as, “How so, Sir?”

Sarah’s firmly Biblical Presbyterianism meant no booze, cards and dancing at the Polk White House and, to avoid further unnecessary expenses, no refreshments at all.
After one particular reception, the hungry and thirsty guests were able to adjourn to the home of a newly-found family friend Dolly Madison, who satisfied their appetites.

By the time the Polks left the White House in March 1849, his workaholic habits had destroyed his health. He died three months later at the age of 54; Sarah outlived him by 42 years and died in 1891 at 88.

SCORES & OUTDOORS: Large bug interrupted my game

Giant Water Bug

Roland D. Halleeby Roland D. Hallee

While I was playing cornhole last Friday night, I was interrupted while in the process of preparing for my next toss. It was pointed out to me that something was attached to the leg of my pants.

It was approximately two to three inches long, black/brown – at least in the evening light. Someone said it was a cicadae, but I knew better. I wasn’t sure what it was.

We sent it on its way.

Research told me it was a giant water bug,

Belostomatidae is a family of freshwater insects known as giant water bugs or colloquially as toe-biters, Indian toe-biters, electric-light bugs, alligator ticks, or alligator fleas (in Florida). They are the largest insects in the order. There are about 170 species found in freshwater habitats worldwide.

These predators are typically encountered in freshwater ponds, marshes and slow-flowing streams. They can grow to up to 4.5 inches and nearly reach the length of some of the largest beetles in the world. Giant water bugs are a popular food in parts of Asia.

They have a flattened, egg-shaped body, and usually the legs are flattened. The head features two large compound eyes, but lacks the eye-like spot. Short antennae are tucked in grooves behind the eyes. A short breathing tube can be retracted into its abdomen. Adults cannot breathe under water, so must periodically place the breathing tube at the surface for air (similar to a snorkel).

Their hind legs have two claws. The frontal legs are modified into raptorial appendages that they use to grab their prey. Once caught, the prey are stabbed with their proboscis and a powerful saliva is injected, allowing the bug to suck out the liquefied remains. Wing pads can be seen from the dorsal view. They have a greatly reduced flight apparatus and are flightless.

The giant water bugs are aggressive predators that stalk, capture, and feed on fish, amphibians, as well as aquatic invertebrates such as snails and crustaceans. The largest species have also been found to capture and feed on baby turtles and water snakes. They often lie motionless at the bottom of a body of water, attached to various objects, where they wait for prey to come near. They then strike, injecting a venomous digestive saliva with their rostrum. Although their bite is excruciatingly painful, it is of no medical significance. Occasionally, when encountered by a larger animal or a human, they have been known to “play dead” and most species can emit a fluid from their anus. Due to this, they are assumed dead by humans only to later “come alive” with painful results.

These water bugs show paternal care and these aspects have been studied extensively. In species of the subfamily, the eggs are typically laid on the male’s wings and carried until they hatch. The male cannot mate during this period. The males invest considerable time and energy in reproduction and females take the role of actively finding males to mate. This role reversal matches the predictions of R. L. Trivers’ parental investment theory where the eggs are laid on emergent vegetation and guarded by the male.

In some areas of Asia, they are considered a delicacy, and can be found for sale in markets. This is mainly in South and Southeast Asia. In South and Southeast Asia they are often collected for this purpose using large floating traps on ponds, set with black lights to attract the bugs. Adults fly at night, like many aquatic insects, and are attracted to lights during the breeding season.

I don’t know where it came from, or where it went, I don’t know why it chose me among the dozen and half people who were there that night.

Roland’s trivia question of the week:

In what year did the Patriots move from Boston to Foxborough and changed their name to the New England Patriots?

Answer can be found here.

Give Us Your Best Shot! for Thursday, September 19, 2022

To submit a photo for this section, please visit our contact page or email us at townline@townline.org!

PURPLE SKY: Ashley Wills, of Palermo, photographed this purple sky.

JUST PASSING THROUGH: Lindy Sklover captured these ducks swimming past the dock.

PICKING UP THE SCRAPS: Val Baker caught these eagles picking at dead fish on the ice last winter.

FOR YOUR HEALTH: Tips For Maintaining A White And Healthy Smile

For the brightest smile, make sure you use safe and effective products.

(NAPSI)—Taking care of your smile with a daily brushing and flossing routine is the best way to keep teeth clean and healthy. But more and more people in search of an ultra-bright smile are turning to the growing number of over-the-counter teeth whitening products—leaving many confused about the most effective methods and if ongoing use can damage teeth.

“Whitening products contain one of two tooth bleaches, which break stains into smaller pieces, making the discoloration less concentrated and your teeth brighter,” said Kyle Dosch, DDS, a licensed dentist and Delta Dental of Washington’s dental director. “There are several methods of bleaching, including in your dentist’s office or by using over-the-counter bleaching products and whitening strips. As with most medicaments, patients should use caution and not overuse whiteners. Excessive overuse of these bleaching agents may damage tooth enamel or gums, so always follow directions and talk to your dentist to brighten your smile safely.”

Teeth Whitening—What You Need To Know 

When deciding the best way to get your teeth whitened (also known as bleaching), consider these points, and have a conversation about your whitening goals with your dentist.

Do whiteners work on all teeth? Whiteners may not correct all types of discoloration. Whitening is only effective on natural teeth and does not work on veneers, caps, crowns or fillings, or tooth discoloration caused by medications or an injury.

What are my teeth bleaching options? Whitening options include stain removal toothpastes, in-office bleaching, at-home bleaching, over-the-counter bleaching products, and even LED lights. For the safest and quickest results, most dentists recommend professional whitening performed in-clinic by a licensed dentist or with at-home kits available through your dentist, which use custom bleaching trays molded to fit each person’s mouth. While over-the-counter trays are available, they often fit incorrectly, causing the bleaching agents to spill onto soft tissues or to be ingested.

Is whitening toothpaste safe to use? Whitening toothpastes are more abrasive to help with surface stains, but they can be damaging to enamel over time. It’s important to discuss with your dentist and, if using, be sure to limit use. Similarly, many whitening chewing gums contain abrasives which scrub the surface of teeth to help remove some surface stains. Because of potential abrasion over time, sugar-free whitening chewing gum should be used only in moderation.

Everything from mouthwash to rinses to dental floss are now offered with whitening ingredients, do these really work? Because effective teeth whitening results from the length of time teeth are in contact with active bleaching agents, mouthwashes, rinses and dental floss are a less-effective whitening choice. Similarly, rinsing with hydrogen peroxide is dangerous if ingested, and therefore is not recommended.

Do natural alternatives such as charcoal really whiten teeth? Activated charcoal whitening products are becoming increasingly popular as people aim to reduce their exposure to chemicals in health and beauty products. As a short-term solution to whitening, it can come with serious long-term damage and is not recommended. With its abrasive properties, it may lead to enamel erosion which may cause tooth sensitivity and make your teeth appear more yellow in color because it will expose the dentin of your teeth. The potential enamel deterioration can also lead to increased susceptibility to cavities.

Will I have side effects from teeth whitening? You may experience tooth sensitivity when beginning to use whitening products. In that case, stop using the product and have a conversation with your dentist about a better approach for you and your teeth. Temporary tooth sensitivity and gingival inflammation are the most common adverse effects of teeth whitening.

There are many reasons for teeth discoloration, including what you eat and drink. Coffee, tea and red wine are staining agents that can affect the white enamel portion of your teeth. Tobacco use, which includes tar and nicotine, can also stain teeth. Aging, some medications, and even injury or trauma to a tooth, can all make our teeth more yellow and less white.

Luckily, some surface stains can be removed during a regular cleaning and don’t require additional whitening treatments. To keep your smile bright and healthy, schedule regular visits to your dentist, maintain a daily dental health routine with brushing and flossing, and avoid foods that can stain your teeth.

Learn More

For additional information about teeth whitening, including an overview of in-office versus at home procedures, how white spots on teeth can potentially be treated through whitening procedures, and other bleaching questions, visit www.deltadentalwa.com/blog.

I’M JUST CURIOUS: My question for you – part 2

by Debbie Walker

My Question For You (2)

Hello again. Last week’s column asked you to keep it or maybe your “rememberer” work’s better than mine and you didn’t forget what I wrote. So we are going to add a bit more to last week’s words.

Okay, onward. When people tell you how wonderful you are to them and how much they appreciate you, just listen. And then say thank you, that’s all you have to say.

Now there is always the chance that someone won’t return your smile. That is no reflection on you in any way. I really doubt that they are saving their face from cracking, I think they just haven’t learned yet how blessed they are.

I can be very evil sometimes. At the pharmacy I go to in Florida there is this red headed young woman who always had a sour look on her face and could be rather curt with customers, including me. Oh, look out! There is my challenge! At first I was rather put out by her because everyone else there is so friendly, I almost complained one day but I decided that wasn’t going to fix anything. Sooo, she became my challenge. No matter how sour she was that day I acted like she was being friendly, and I just kept on being me. I would purposely ask her questions that she would have to answer, and I always was smiling with her. I won that little girl over. It took almost a year but I did it! People really do want to be noticed, to know they aren’t really invisible and sometimes it only takes a smile. They are blessed by you and you by them.

From a Woman’s World magazine in 2011:

“You are a Blessing! It’s easy to wonder whether you’re making a difference in the world. After all, you’re just one person. Every smile you smile, every hug you give, every encouraging word you say and every kindness you show has a greater impact than you can imagine. One person can make a difference. Especially when that person is you.”

How about a little change here. I saw these ketchup uses in my First magazine and decided to share them with you.

Did you ever imagine using ketchup on bug bites? Mosquito bites are itchy. For quick relief apply a bit of ketchup on the spot for three minutes. It will help minimize itch and irritation.

Use ketchup as a make-believe paint for little ones. They can paint with it and if they eat it there will be no harm.

Ketchup can wipe away insect splatters on your vehicles. Cover the affected areas with ketchup and let set for 20 minutes, allowing the vinegar to breakdown the stuck-on gunk. Give the area a good scrub before rinsing well and buff dry.

Reveal a beautiful glow. Simply apply a thin layer of ketchup to your face, leave on for 15 minutes while you relax then rinse off with water. A smooth, glowing complexion for pennies.

I am hoping you will pass on the blessings to others. I am curious what you have for results. Questions or comments, contact me at DebbieWalker@townline.org. Thanks for reading and have a great week!

REVIEW POTPOURRI – Pianist: Sviatoslav Richter

Sviatoslav Richter

Peter Catesby Peter Cates

Sviatoslav Richter

Ukrainian-born pianist Sviatoslav Richter (1915-1997) was largely self-taught until, at the age of 23, he began studying with German-born pianist Heinrich Neuhaus at the Moscow Conservatory. Neuhaus saw Richter as the genius he had been waiting his entire life for and later claimed that he basically had nothing to teach him.

Richter’s keyboard artistry was a mix of super human virtuosity, a keen, vibrantly alive musicality and a humongous yet carefully chosen repertoire that ranged from Johann Sebastian Bach and Ludwig van Beethoven to the major Russians Tchaikovsky, Glazunov, Rachmaninoff, Prokofiev and Shostakovich and the Englishman Benjamin Britten.

Interestingly he loved Haydn but cared very little for Mozart, only performing the younger composer’s 20th Piano Concerto and two or three others.

I have a CD of Czech radio broadcasts (Monopole MONO005) from the mid-1950s featuring Richter performing the Beethoven 1st and 3rd Piano Concertos, the only ones of the five of which the pianist left recordings. His playing was vigorous, delicate when called for, and keenly responsive to the beauties in every note, bar and chord.

The conductor Bretislav Bakala (1897-1958) conducted the Brno State Philharmonic in both works and did the kind of conducting that captured one’s attention in a manner that was exceptional, giving the impression that he and Richter were on the same wavelength page. The sound was of radio broadcast quality but serviceable enough.

Richter did later stereo recordings of both works, the first in 1961 with the Boston Symphony Orchestra led by Charles Munch, the third, twice – the first time in 1963 with Kurt Sanderling and the Vienna Symphony and a second one with Riccardo Muti and the Philharmonia Orchestra in England during the mid 1970s.

There are also broadcasts of Richter doing both concertos with other conductors and orchestras circulating on cd and accessible on Youtube.

I mention this only because Richter is so extraordinary that anybody with the least interest in great classical pianists just might get captivated by him enough to want to collect or at least hear every single piece he ever recorded live in concert and in the studio.

Richter was not a man to let journalists near him except on rare occasions but, during his last few years, made himself available for a series of interviews that resulted in a three-hour documentary about his life which can be seen on youtube and divided in two parts.

A choice list of other Richter recordings would be the Beethoven Cello Sonatas with Mstislav Rostropovich, the Brahms and Franck Violin Sonatas with David Oistrakh, the Brahms 2nd, Bartok 2nd and Prokofiev 4th Piano Concertos with Lorin Maazel conducting the Orchestra de Paris, Rachmaninoff’s 2nd Piano Concerto with either Kurt Sanderling or Stanislaw Wislocki, the Tchaikovsky 1st with Herbert von Karajan and Schubert Lieder with baritone Dietrich Fischer-Dieskau. A special favorite record is the 1969 Beethoven Triple Concerto for Violin, Cello and Piano, in which he collaborated with Oistrakh, Rostropovich and with Herbert von Karajan conducting the Berlin Philharmonic.

In 1945, he fell in love with singer Nina Dorliak, whom he had accompanied in recital, and they lived together as husband and wife for the rest of his life but never legalized that relationship.

He and Nina would entertain guests with dinner parties and record listening marathons of one or more complete Wagner operas often extending far into the night.

Finally, much to his annoyance, Richter remembered the name of everybody he ever met even briefly in his adult life, going back decades to elevator operators and cab drivers.

FINANCIAL FOCUS: When should you adjust your investment mix?

submitted by Sasha Fitzpatrick

There are no shortcuts to investment success — you need to establish a long-term strategy and stick with it. This means you’ll want to create an investment mix based on your goals, risk tolerance and time horizon — and then regularly review it to ensure it’s still meeting your needs.

In fact, investing for the long term doesn’t necessarily mean you should lock your investments in forever. Throughout your life, you’ll likely need to make some changes.

Of course, everyone’s situation is different and there’s no prescribed formula of when and how you should adjust your investments. But some possibilities may be worth considering.

For example, a few years before you retire, you may want to reevaluate your risk exposure and consider moving part of your portfolio into a more conservative position. When you were decades away from retiring, you may have felt more comfortable with a more aggressive positioning because you had time to bounce back from any market downturns. But as you near retirement, it may make sense to lower your risk level. And as part of a move toward a more conservative approach, you also may want to evaluate the cash positions in your portfolio. When the market has gone through a decline, as has been the case in 2022, you may not want to tap into your portfolio to meet short-term and emergency needs, so having sufficient cash on hand is important. Keep in mind, though, that having too much cash on the sidelines may affect your ability to reach your long-term goals.

Even if you decide to adopt a more conservative investment position before you retire, though, you may still benefit from some growth-oriented investments in your portfolio to help you keep ahead of — or at least keep pace with — inflation. As you know, inflation has surged in 2022, but even when it’s relatively mild, it can still significantly erode your purchasing power over time.

Changes in your own goals or circumstances may also lead you to modify your investment mix. You might decide to retire earlier or later than you originally planned. You might even change your plans for the type of retirement you want, choosing to work part time for a few years. Your family situation may change — perhaps you have another child for whom you’d like to save and invest for college. Any of these events could lead you to review your portfolio to find new opportunities or to adjust your risk level — or both.

You might wonder if you should also consider changing your investment mix in response to external forces, such as higher interest rates or a rise in inflation, as we’ve seen this year. It’s certainly true that these types of events can affect parts of your portfolio, but it may not be advisable to react by shuffling your investment mix. After all, nobody can really predict how long these forces will keep their momentum — it’s quite possible, for instance, that inflation will have subsided noticeably within a year. But more important, you should make investment moves based on the factors we’ve already discussed: your goals, risk tolerance, time horizon and individual circumstances.

By reviewing your portfolio regularly, possibly with the assistance of a financial professional, you can help ensure your investment mix will always be appropriate for your needs and goals.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.

Edward Jones, Member SIPC