Neighbor 2 Neighbor

JANICE MINTON-KUTZ

SCHOOPS STAFF TAKE A BREAK: Waiting for the afternoon crowd to come into the popular Ridge Road eatery, the waitstaff led by the Munster Schoops General Manager Kevin Gralewski, gather by the vintage juke box: Pictured are Nikole Pellegrino, Leilanni Ferrer, A.J. Reyes and Victoria Rasala. Schoops is open 7 days a week, dishing up their famous burgers and fries. ***

CHRIS AND BRIAN OSTER SAY HELLO TO INCOMING CUSTOMERS AT TORRENCE LIQUORS: Since Dad Bob Oster retired from the busy store on Torrence Avenue in Calumet City five years ago, Chris and Brian have been at the helm directing traffic in the busy Calumet City distiller of favorite beverages! Even more popular these days is the number of winners from the lottery games. ***

AMERICAN LEGION POST 80 IN WHITING

DISHED UP PANCAKES AND FIXINS: Pictured in the kitchen window of Post 80, located at 2003 Indianapolis Blvd (across from Walgreens) in Whiting are Chef (Commander) Harry Triplett, at right in flag apron, Bob McClure, Joe Gonzales and William Montez III at the Sunday March 26th 2023 Pancake Breakfast! All proceeds from the breakfast will benefit Veterans. Post 80 regularly puts on dinners and breakfasts to benefit local veterans, in addition to raffles and other special events. Next up will be a GOOD FRIDAY FISH FRY, April 7, 2023 from 4 to 8 p.m. Dinners include Lake Perch, Cod, Shrimp or combo platter. Dinners include fries, coleslaw, dessert and coffee! Come out and support our Veterans! ***

CALABRIA MEANS GREAT ITALIAN DELACACIES: The Italian specialty store which started out on the southeast side moved to 103rd and Longwood some years ago under the watchful eye of owner Pat Roberto. Since then, the store has had many evolutions physically but stayed with the same popular favorites, meats, cheeses, olives and deli dishes with an authenticity hard to beat. The sandwich and dinner menu and daily soups would satisfy the heartiest appetite! And of course, with this being Lent, the pepper and egg sandwich on a soft Vienna roll or tuna melt are just the anecdote for meatless meals. Also pictured are Hope, Lisa and Julia ***

SHERRY AT LUKES IN HAMMOND WORKS

BOTH INSIDE AND OUTSIDE THE GAS STATION: Exasperated Sherry, took to the parking lot of the Luke Gas Station, Sheffield and Boy Scout Road, Hammond, last week to fill the rolls of paper in the windshield wiper container. She is smiling here, but admits she has to do both inside and outside, cashier at Lukes and field work when staffers don’t show up for work! “That okay,” she notes with a laugh, “It’s good exercise for me!” Everywhere we see “HIRING’ signs—but where are the potential workers? We See the signs on every sort of establishment from grocery stores to gas stations to convenience stores, the” golden arches”—even TARGETCVS has an incentive program going on at their store in Highland, Indiana. Guess we all have too many coins jingling in our jeans! ***

For inclusion in Neighbor 2 Neighbor, please call Janice at 708-302-8585 or write to her C/O Coldwell Banker, 20 E. US 30, Schererville, IN 46375, or e-mail her at janice.mintonkutz@cbexchange.com

DOWN 1. Prefix indicating half 2. Test 3. Hindu princess 4. Spot 5. Maroon

Vietnam War Search

11. Daughter of a sibling 12. Long-necked wading bird

13. A place for wives and concubines

21. East Asian unit of weight

25. Pout

26. Loose sleeveless cloaks

27. Annoy

28. Poop

29. Entrance fees 30. Sea eagles 31. Where birds live 34. Sharp high-pitched cry 36. V V V V

37. Snake-like fishes

38. Singer Fitzgerald 40. Solemn promise 45. Bottom of one’s shoe

What you blink with

Generator 51. Refined woman 52. Sporting venue 53. Hearsay

Capelin 57. Cypher

“Once ____ a time” 59. An ancient city in Asia Minor

NATIONAL VIETNAM WAR VETERANS DAY – MARCH 29

There’s no doubt that the Vietnam War was one of the most brutal. In fact, there were over three million Vietnam War casualties during the years of battle. It was known as the Second Indochina War to Americans, and considering its long fighting time and brutality, National Vietnam War Veterans Day was created to honor all the Vietnam veterans who fought during its time.

SUBMITTED

By Patrick Zamkin

In the financial world, stocks and stockbased mutual funds often get a lot of attention. And deservedly so, because they often form the core of a portfolio. But to help achieve your goals, you may also want to consider a broader array of investments — one of which may be a certificate of deposit (CD).

As you may know, a CD earns interest on a lump sum for a designated period. You can purchase CDs whose maturities range from a few months to 10 or more years. Generally, the longer-term the CD, the higher the interest rate, although this isn’t always the case.

In recent years, CD rates have been pretty low, reflecting the overall interestrate environment. But now, as the Federal Reserve has repeatedly raised interest rates to combat inflation, CD rates are rising, too. In fact, one-year CDs can currently be found paying in the 5% range — a rate that hasn’t been seen in more than 15 years. Later in 2023, though, if the Fed eases up on rate hikes, or perhaps even starts reversing them, CD rates could fall again.

You can purchase a CD from a bank or buy a “brokered” CD from a financial services provider. The income you receive from a CD may be its main attraction, especially if the rates remain elevated for a while. But there’s another key advantage to owning CDs: They can help diversify a portfolio of stocks and stock mutual funds that are generally more susceptible to movements in the financial markets. A portfolio that contains CDs, as well as bonds and government securities, can help reduce the effects of market volatility. Keep in mind, though, that diversification can’t guarantee profits or prevent losses in a declining market.

While adding individual CDs can be valuable, you might get a greater benefit from a more strategic approach known as laddering. You can build a CD ladder by buying a series of CDs that mature at different dates in the future — perhaps one month, three months, six months, nine months and 12 months out, or an even longer-term ladder of one to five years. In either case, as one CD matures, you can use the money if you need it or reinvest it to another “rung” on your ladder. If interest rates are up, the reinvestment option might be appealing, but if the available CD rates are lower than your maturing CDs, you could find better uses for your money. And you’d still have your longer-term CDs, possibly paying higher rates, working for you. You must evaluate whether a CD ladder and the securities held within it are consistent with your investment objectives, risk tolerance and financial circumstances.

The amount of space occupied by CDs in your portfolio should depend somewhat on your stage of life. If you’re a long way from retirement, you may want to own a larger percentage of growth-oriented investments. But once you’re retired and getting more income from your portfolio becomes more important, you might find a greater need for CDs.

In any case, CDs may prove useful to your overall financial strategy — so give them some thought.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor, Patrick Zamkin, located at 18735 Dixie Hwy, Homewood, IL 60430. Contact us at (708) 798-9066. Edward Jones. Member SIPC.