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8/6/2019 The North Texas Journal v24n23
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BI-WEEKLY Volume 24, Number 23 - June 10, 20
8/6/2019 The North Texas Journal v24n23
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Oklahoma Civil Rights Activist Clara Luper Die
Oklahoma civil rights activist and educator Clara Luper
- was best known for organizing a 1958 sit-in at a segre-
gated Katz Drug Store in downtown Oklahoma City -- died
Wednesday night at her home in Oklahoma City. She was
8.
Luper, who was celebrated as a pioneer of civil rights in
Oklahoma, organzied a protest that lasted several days
nd ultimately resulted in the integration of 38 Katz Drug
Stores in Oklahoma, Missouri, Kansas and Iowa.
Oklahoma City Mayor Mick Cornett requested that all ags
on city property to be own at half staff in honor of Luper
nd her contribution to the city.
n a statement issued from his ofce, Cornett described Lu-
per as a great Oklahoman and a great American.
While her accomplishments are too many to list, her lega-
y is easily dened, Cornett said in the statement.
She made Oklahoma and the United States of America a
better place to live and was a shining example of the dis-
inctly American idea that while we might hail from many
ultures, we are one people.
Throughout the 1960s, Luper worked with the local chapterof the National Association for the Advancement of Col-
ored People, to stage sit-ins and non-violent protests which
ultimately led to the desegregation of restaurants in Okla-
homa City.
n an interview with CNN afliate KWTV, Lupers son,
Calvin, said his mother was surrounded by family at the
ime of her death.
He added, though shes known for organizing the single sit-
n, his mother was dedicated to making the life of citizensn Oklahoma better.
Now we have to step up to the plate and accept the respon-
ibility and do what Mom wanted us to do, and that would
be to carry on her legacy of honesty and do anything else
hat would make our city and state a great place.
Luper is survived by her two daughters, a son and grand-
hildren.
About Clara Luper
Background
Clara Luper, known to many as the Mother of the C
Rights Movement, took her place at the head of the O
homa Sit-In Movement, August 19, 1958. With cou
and persistence she taught that non-violent activism is
way to freedom.
Main Focus
Mrs. Luper speaks with audiences of all ages. She tel
the challenges, set-backs, and victories of the early ac
ists, how far weve come in America, and of dreams ye
become a reality.
Availability
Mrs. Luper speaks to audiences in churches, high scho
universities, prisons, sororities, juvenile homes, through
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the state of Oklahoma, and beyond.
Political Involvement
~Organized various State and Local Political Campaigns.
~A candidate for the United States Senate in 1972.
~Leader of various Voter Registration Drives.
Honors
During Mrs. Lupers extraordinary career, she has received
471 awards and honors. The most recent is the passing
bill 2715 by The House of Representatives to name a state
highway in her honor.
Special Achievements
~1st African American Vice President for the Oklahoma
City Social Science Teachers Association.
~1st African American Vice President of the Oklahoma
County Teachers Association.
~1st African American student to enroll in the History De-
partment at the University of Oklahoma.
~Wrote, Produced and Directed the movie Brother Pr
dent, the story of Dr. M.L. King, Jr.
~Rebuilder of Freedom Center, Home of the Civil Ri
Monument, after it was bombed.
~Founder of the Black History Monument and Wall.
~Founder of Freedom Center Inc.
~Co-Founder of The Miss Merry Christmas Pageant.
Civil Rights Involvement
~Leader of Americas 1st Highly Publicized Sit-In
Americas History in 1958.
~Leader in the Oklahoma City School Integration Figh
~Leader of the March to Lawton, OK to integrate
Amusement Park.
~Participated in the Historic March on Washington, D
Selma, Alabama and every other major march in Amer
~Arrested 26 times in Civil Rights Activities.
~Led Tulsas rst Freedom March to integrate public
commodations.
~Organizer of the Oklahoma City Sanitation Strike.
~Wrote BEHOLD THE WALLS, a 346-page book.
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Five Areas Of Focus To Help Secure Your Retireme
ARA) - In helping Americans refocus on retirement plan-ning, sometimes returning to the most fundamental truths
s the best route.
These truths tend to get lost when we are bombarded with
nformation about retirement in the general media," says
Robert Fishbein, a vice president in Prudential's Tax De-
partment.
With that in mind, Fishbein shares the ve "back to basics"
ips:
. Save more
Americans have not saved as much as they need to for re-
irement. To ensure you are not part of the savings problem,
tart by considering all of the retirement savings and other
avings options available to you. Some savings vehicles,
ike your 401(k), IRAs and Roth IRAs, probably come
o mind right away. Others may be less apparent, such as
ife insurance (while the primary purpose of life insurance
hould be for protection, the cash value of life insurance
may be used to supplement retirement income) or an ployer-sponsored savings program.
Once you inventory your savings options, make sure
are using them to the maximum extent possible. It is a g
practice to "pay yourself rst" and contribute savings
rectly from your paycheck so you are left with the bala
for day-to-day expenses.
2. Spend less
Over the last few years we have started to see the em
gence of a new, more cautious perspective on spenand debt. You can manage your spending by creating
following a budget. This way you can track your in
and outows and understand how much you really sp
on coffee, dining out or vacations. By living within y
means, you will always be in the position of strengthen
your nancial position.
Saving more and spending less seem like such obv
components of planning for a successful retirement,
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we tend to focus on other things because they are so hard.
Many people spend their retirement planning energy on
hinking about investment return, since it requires less per-
onal sacrice. Ultimately your chances at a successful re-
irement probably depend more on how much you save and
how much you limit spending than on any other investment
and tax tip.
3. Protect income
Life insurance, health insurance, disability insurance and
ong-term care insurance are all ways that we protect our
ncome or assets.
* Life insurance can be used for estate planning purposes,
but its fundamental value proposition is protecting your in-
come earnings potential so dependent family members will
not be destitute upon your premature death.
* Disability insurance works similarly to life insurance but
n the context of an injury or sickness that precludes yourworking.
* Health insurance helps to minimize the risk that your cur-
ent income will be consumed by unanticipated or extraor-
dinary health care costs.
* Long-term care insurance helps to minimize the risk that
your assets will be depleted by a chronic illness or disabil-
ty.
All of these insurance products not only enable you to live
or support others but to preserve your retirement assets.
4. Diversify
Diversify" is used here in a broad sense that includes in-
vestment, nancial advisor, nancial institution and tax di-
versication. In its most simple form, this area of focus is
eally the lesson we learn at an early age not to put all of
our eggs in one basket.
nvestment diversication means deploying a strategy that
mixes investments among bonds and different types of eq-
uities, such as growth or income focused stocks or mutual
funds, as well as across domestic and international markets.
nvestment manager diversication is about the risk of be-
ng exposed to one individual. Similarly, because you are
elying on the full faith and credit of a nancial institution,
you will want to ensure the company is on solid nancial
footing.
You should also diversify your assets with consideration
for their different tax implications. Some assets are tax-
deferred, like a traditional IRA. Some are tax-free, lik
tax-exempt bond or a Roth IRA. Some require distr
tions that start at a certain age, like a traditional pen
plan or traditional IRA. And some require no manda
distributions during the owner's lifetime, like a Roth I
The tax attributes of your retirement assets are critica
understand since they will ultimately determine how m
after-tax income you'll retain.
5: Guarantee income
Guaranteeing income is a way you can lock in an inc
stream to minimize and manage investment risk and
gevity risk. The rst step in terms of guaranteeing you
come is determining how much income you will nee
retirement.
After you identify your income goals, consider what
sets you have that provide guaranteed income. Start w
Social Security and any traditional pension plan, and csider how you could adjust the start time of those lifet
payouts to enhance how much guaranteed income you
receive. Then, based on this analysis, you can decide h
you might need to supplement your existing guaranteed
come position -- for example, with an annuity that prov
additional guaranteed lifetime income or delaying your
cial Security payments to the full retirement age. For m
the unfortunate reality may also include working lon
than originally planned.
EDITORS NOTE:
Diversication does not guarantee a prot or ensure against
es and cannot eliminate the risk of investments losses.
Investors should consider the contract and the underlying p
folios investment objectives, risks, charges and expenses c
fully before investing. This and other important informatio
contained in the prospectus, which can be obtained from
nancial professional. Please read the prospectus carefully
fore investing.
A variable annuity is a long-term investment designed to
ate guaranteed income in retirement. Investment returns and
principal value of an investment will uctuate so that an in
tor's units, when redeemed, may be worth more or less than
original investment. Withdrawals or surrenders may be sub
to contingent deferred sales charges.
Insurance policies and annuity contracts contain exclusi
limitations, reductions of benets and terms for keeping the
force. Your licensed nancial professional can provide you
8/6/2019 The North Texas Journal v24n23
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omplete details.
All guarantees, including optional benets, are backed by the
laims-paying ability of the issuing company and do not apply to
he underlying investment options.
Prudential Financial, its afliates, and their licensed nancial
professionals do not render tax or legal advice. Please consult
with your tax and legal advisors regarding your personal circum-
tances.
Life, long-term care and disability insurance are issued by
Prudential Insurance Company of America and its afl
Newark, NJ. The availability of other products varies by ca
and state.
Variable annuities are issued by Pruco Life Insurance Comp
of New Jersey, Newark, NJ and distributed by Prudential An
ties Distributors, Inc., Shelton, CT. Both are Prudential Finan
companies and each is solely responsible for its own nan
condition and contractual obligations. Prudential Annuities
business of Prudential Financial, Inc.
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College Graduates: Six Financial Survival Tips For The Working Wor
(ARA) - Despite a turbulent job market and economy,f you are a recent college graduate, there is much to
be optimistic about as you leave campus and head outnto the real world. No one ever said life on your own
would be easy, but post-graduate financial bliss can be reality.
These six tips from Thrivent Financial offer a startingpoint for recent graduates who are ready to put theirducation to work for a secure financial future.
Get real about your paycheckCompared to the minimum wage jobs you survived onhrough college, the annual earnings at your first post-
graduate job may give you dollar-sign eyes. Don't beooled though; after taxes, benefits, living expenses
nd student loan payments, your remaining monthlypending money could amount to less than half of your
gross income. Being realistic about your paycheckdoesn't mean you can't have any fun, though. That newar may have to wait a while, but with smart budgeting
you can still enjoy some of the finer things in life with
clear conscience.
Your credit score mattersThought you were done worrying about test scores?Think again. Whether you want to get an apartment,mortgage, car or a new job, your credit score says a
ot about you and can make or break you when try-ng to move forward with these important steps. Freeredit reports are available at www.annualcreditreport.om, and for a small fee you can also obtain your creditcore. Examine your report regularly for accuracy, and
pay off any existing credit card debt as soon as possi-
ble. Credit card interest is wasted money, and outstand-ng debt can hurt your credit score.
Look out for yourself firstAfter expenses and taxes, your paycheck may look too
lim for comfort, but protecting your assets, health andncome with insurance is worth the additional cost. Ifyou have an apartment, renter's insurance is a relativelynexpensive way to protect your possessions. Health in-urance is also a must, whether you get it through yourmployer or stay on your parents' plan. Your paycheck
s worth protecting, too. Disability income insurances not just for those with physically demanding jobs,s most beneficiaries are on disability from illness, notnjury. Preparation for the unexpected comes at a small
price considering the costs associated with the altetive.
Save for the fun stuff
Again, being responsible with your finances doemean you can't have any fun. You have worked harstart your career, and deserve to reward yourself. best way to spend smartly is simply to spend less you have. Diligent saving allows for the occasiosplurge without having to feel guilty or anxious ab
your decision to spend. Consider directly depositincertain amount from your paycheck into a savingscount for a "fun fund."
Save for the grown-up stuff, tooYour parents' nagging may start to quiet now
you've graduated, but their retirement planning adis worth listening to. Start investing now; you won'gret it. As you barely scratch the surface of your carretirement seems a long way off, but successful intors understand that the longer your assets remainvested, the greater their potential for growth. The c
you forfeit now will pale in comparison to the amoyou'll end up getting back at the end of your careeyou start as early as possible.
Don't pass up free money
Many employers offer pretax savings through t
retirement accounts. Because your retirement con butions come out before taxes, your taxable incis decreased, saving you money. For example, a $contribution from your earnings to a pretax retiremaccount would reduce your paycheck by only $7
you're in the 25 percent tax bracket. If your emplomatches a percentage of your retirement contributiit is wise to contribute the maximum amount of tmatch so as not to pass up on "free money."
Money is just one of many aspects of adulthood
college graduates must meet head-on to start livindependently. Personal finance may seem daunt but don't be discouraged. The above-mentioned boil down to common sense: spend less than you estay protected through proper insurance, maintain gcredit and save for the short and long-term, and
will be off to a great financial start in the next chaof your life. For more financial tips and advice, vwww.thrivent.com.
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*Customer Cash oer good on select 2010 (and prior year) models between 12/29/10-6/30/11.**Finance oer subject to credit approval, applies to purchases o new Yamaha Motorcycles,ATVs & Scooters made on a Yamaha Installment Financing loan account rom 12/29/10-6/30/11. Minimum contract length is 24 months and maximum length is 36 months. Minimumamount fnanced is $5,000. Fixed APR o 3.99% or 12.99% will be assigned based on credit approval criteria. Monthly payments per $1,000 fnanced based on 36 month term are $29.52 at3.99% and $33.69 at 12.99%. Offer good only in the U.S., excluding the state of Hawaii . Dress properly or your ride with a helmet, eye protection, gloves and boots. Do not drink and ride.It is illegal and dangerous. Yamaha and the Motorcycle Saety Foundation encourage you to ride saely and respect the environment. For urther inormation regarding the MSF course, pleasecall 1-800-446-9227. ATVs with engine sizes over 90cc are recommended or use only by riders age 16 years and older. Yamaha recommends that all ATV riders take an approved trainingcourse. For saety and training inormation, see your dealer or call the ATV Saety Institute at 1-800-887- 2887. ATVs can be hazardous to operate. For your saety: Always avoid paved suraces.Never ride on public roads. Always wear a helmet, eye protection and protective clothing; never carry passengers; never engage in stunt riding; riding and alcohol/drugs dont mix; avoidexcessive speed; and be particularly careful on difcult terrain. Professional riders depicted on closed courses. 2011 Yamaha Motor Corp. U.S.A. All rights reserved. yamaha-motor.com
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8/6/2019 The North Texas Journal v24n23
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Modern, Comfortable Rooms
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Experience counts. And, whenit comes to making a businessdecision that impacts yourcompanys perormance, you
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