Omega Psi Phi Fraternity Inc., 4th District 2025 WIN CHRONICLE : simplebooklet.com

The 4th District Chronicle/ Winter 2025THE OFFICIAL PUBLICATION OF THE MIGHTY 4TH DISTRICT OF OMEGA PSI PHI FRATERNITY, INCPLEASE EMAIL ALL EDITORIAL QUESTIONS, & CONCERNS TO: BROTHER JASON B. WARD 4TH DISTRICT DIRECTOR OF PUBLIC RELATIONSGRAPHIC DESIGN TEAMBROTHER DONTE LUCKIEBROTHER TERRANCE AUSTER JR.ASSISTANT 4TH DISTRICT DIRECTOR OF PUBLIC RELATIONSBROTHER REG ADAMS ON THE COVERA PHOTOGRAPH OF BRO Daniel B. Jones22nd Grand Keeper of FinanceDEADLINES FOR CHRONICLE SUBMISSIONSFALL ISSUE- SEPTEMBER 15WINTER ISSUE- JANUARY 15DISTRICT ISSUE- MARCH 15OFFICIAL WEBSITE: OMEGA4THDISTRICT.ORGFACEBOOK & INSTAGRAM: Omega4thdistrictX/TWITTER: Omega4thD4th DISTRICT DIRECTOR OF PUBLIC RELATIONS Brother Jason B. WardEmail: 4thDinfo@oppf.orgphone: 937-422-4216District Public Relations Team Brother REG Adams Mu IotaBrother Damon Scott Zeta Omega Brother Greg White Eta Nu NuBrother Ashton Hood Delta Alpha Brother Keith Jordan Xi TauBrother Carl "CJ" Terrell Xi Aplha Brother Damon Burman Xi AlphaBrother Nick Williams Mu IotaBrother Christopher Cooper Jr Delta AlphaBrother Adam Ward Sigma PsiBrother Donovan McWilson Psi OmicronBrother Jeremie Thomas Theta PsiBrother Josiah Brown Delta EpsilonBrother Reggie Ware Zeta OmegaBrother Romeo Reese Delta AlphaBrother Tayshawn Gaines UpsilonContributing WritersBrother Damon Scott Zeta Omega Brother Lamar Cole 34rd 4th District Representative Zeta Omega Brother Ashton Hood Delta Alpha Brother Jonathan Foster Eta GammaBrother Jason Lucas Zeta OmegaBrother Dr Odell Graves Mu ChiBrother Daniel B Jones 22nd Grand Keeper of Finance Xi AlphaBrother Floyd Howell Delta AlphaBrother Anonio Caffey Eta Nu NuBrother Dannel Shepard Beta IotaBrother Eric Thompson Beta IotaBrother Ronald Jackson Delta AlphaBrother Tayshawn Gaines UpsilonBrother Dr Christopher K Welch 31st 4th District Representative Delta AlphaBrother Christopher Cooper Jr Delta AlphaBrother Ronnie Walker Chi AlphaBrother Gaidi Nkruma Zeta Kappa KappaBrother Miles RiceZeta SigmaBrother Judson Judson Phd Eta Nu NuBrother Keith Jordon Xi TauBrother Elder Bobby Robinson 33rd 4th District Representative Xi AlphaBrother JT Thomas 1st Vice 4th District Representative Alpha Alpha AlphaBrother Jesse Turner Beta IotaBrother Chris Macklin Beta IotaBrother Toriano Franklin Beta Iota The 4th District Chronicle/Winter 2025

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BrotherDaniel Jones 22nd Grand Keeper of FinanceBrother Daniel B. Jones, Sr. was initiated into Omega Psi Phi Fraternity in 1989 through the Xi Alpha Chapter in the Fourth District, based in Charleston, WV. Over the years, he has held various leadership roles, including Basileus and Keeper of Finance at the Zeta Omega Chapter in Cleveland, Ohio, as well as numerous committee chairmanships and advisory positions. Notably, during his tenure as Basileus, he spearheaded initiatives that provided food assistance to over 500 families during the holiday season and developed a sustainable feeding program for residents in a ﬁnancially distressed neighborhood in Cleveland.At the district level, Brother Jones has been elected to two terms as the Fourth District Keeper of Finance and served as Chief of Staﬀ. His responsibilities as Chief of Staﬀ included oversight of code of conduct matters, staﬀ orchestration, and various initiatives to amplify the eﬀectiveness of the District Representative.At the international level, Brother Jones has made signiﬁcant contributions as the International Civic and Community Aﬀairs Chairman. He worked to streamline eﬀorts across multiple subcommittees, including Achievement Week, Talent Hunt, Social Action, Educational Development, Next Generation Leaders, and Katrina Relief. His eﬀorts were particularly commendable following Hurricane Katrina, where he coordinated health professional outreach to provide dental, physical, and mental health services to the Gulf Coast region. Additionally, he collaborated with fraternity members to establish the International Talent Hunt Foundation (ITHF) to ensure the ongoing viability of local and international Talent Hunt competitions, where he currently serves as Director and Chairman. His role as International Budget Chairman under the 40th Grand Basileus led to the development and implementation of budget controls that generated proﬁts for the fraternity, notably during the International Undergraduate Summit and the International Leadership Conference. Serving as the 22nd Grand Keeper of Finance (GKF) for Omega Psi Phi Fraternity, Inc., Brother Jones was elected during the 80th Grand Conclave in Las Vegas, NV, in a runoﬀ election and was subsequently re-elected at the 81st Grand Conclave in New Orleans, LA. In this capacity, he successfully reduced operating expenses and craed an investment strategy that yielded a realized gain of $6 million for the fraternity. Professionally, he is a Senior Auditor in the Inspector General's Oﬃce at the Department of Justice and is also a Certiﬁed Fraud Examiner. His military career spans nearly 27 years in the United States Army, from which he retired at the rank of Lieutenant Colonel in 2011.The 4th District Chronicle/Winter 2025 Brother Jason Ward 4th Districtt Director of Public RelationsCONTINUED ON NEXT PAGE14

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BrotherDaniel Jones 22nd Grand Keeper of FinanceAt the organizational level, Brother Jones is also a Board Member and Treasurer at the Omega Psi Phi Fraternity Federal Credit Union. He previously held a directorial position on the Friendship Foundation Board of Directors, overseeing the Omega World Center and the Omega Corporate Residence, valued collectively at over six million dollars. Additionally, he served as a Director for Omega Charities, focusing on upliment initiatives aimed at empowering the Black community—particularly male youth—in economically distressed areas, while providing humanitarian assistance during crises.Brother Jones has dedicated his career to enhancing community welfare, particularly in children's mental health, through his role as President of the Board of Directors at the Children and Youth Behavioral Health Center in North Central West Virginia. He led a multidisciplinary team to deliver essential mental health services to over 200 adolescents in underserved areas, signiﬁcantly impacting their trajectories.In terms of community outreach, he is aﬃliated with the Southern Baptist Church in Baltimore, Maryland as a former member and trustee, and is currently an attendee at Bethlehem Church in Triangle, Virginia.His military accolades include multiple awards, such as the Meritorious Service Medal with two oak leaf clusters, the Army Commendation Medal with two oak leaf clusters, and several others, reﬂecting a distinguished service history.On the civilian front, he has held multiple board positions, including with the Council of the Inspectors General on Integrity and Eﬃciency and the Federal Audit Executive Council Contracting Committee. His commendations include the 2015 IG Award for the Equal Employment Opportunity Diversity Award for the Mentoring Program and the IG Special Act Award for exemplary leadership and eﬀective execution of his duties.Brother Daniel B. Jones, Sr. exempliﬁes the values of leadership, dedication, and service within the Omega Psi Phi Fraternity and the broader community. His extensive contributions at various organizational levels, coupled with his professional expertise and commitment to enhancing the welfare of others, have made a signiﬁcant impact on countless lives. Through his initiatives, he has not only addressed immediate needs but has also fostered long-term growth and development, particularly in underserved populations. Brother Jonesʼs legacy continues to inspire those around him, demonstrating the profound eﬀect one individual can have on community upliment and support.The 4th District Chronicle/Winter 202515

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Black Wall StreetA Blueprint for Our Future By Brother James "JT" Thomas 1st Vice 4th District RepresentativeBrothers, imagine this: two years before the founding of our beloved Omega Psi Phi Fraternity, there was a remarkable oasis in Tulsa, Oklahoma—a community known as Black Wall Street. In the Greenwood District, Black Americans deﬁed the odds of segregation to build a vibrant, thriving hub of commerce, connection, and culture. They owned businesses, supported one another, and proved that unity and vision could create abundance, even in the most challenging of times.The success of Black Wall Street wasn’t just an accident. It was the result of intentional eﬀorts to create a community where dollars stayed within, circulating among barbershops, restaurants, tailors, banks, and more. It was a place where Black professionals and entrepreneurs ﬂourished, providing jobs and hope to their neighbors. Despite systemic challenges, they thrived because they believed in each other and were committed to lifting as they climbed.Now, I may sound ambitious, but I ﬁrmly believe we, the brothers of the Fourth District, have the power to create our own ecosystem of value. We’ve already planted the seeds of progress through eﬀorts like Project 1911, where brothers pledge $19.11 per giving period, Project Uplift, and other district initiatives that reﬂect our collective strength and commitment. These projects show that when we come together, we can achieve remarkable things. But I ask: what more can we do?Our future depends on our willingness to invest in one another—not just ﬁnancially, but in spirit, time, and action. Imagine the possibilities if we worked together to keep our resources, talents, and support circulating within our community for longer. Studies show that in other communities, their dollar circulates three to four times more than in ours. If we can change that, we can transform our district, our chapters, and our neighborhoods.Black Wall Street taught us the power of collective economics, of standing shoulder to shoulder to build something greater than ourselves. We can channel that same energy to build what I’ll call "Purple Wall Street." This isn’t just about money; it’s about creating a thriving and self-sustaining community where brothers support each other’s endeavors, where we create opportunities and uplift those around us.What does this look like in practice? It starts with supporting our district and local chapters. If you can’t attend an event, buy a ticket. If a brother is running a business, become a customer or help spread the word. If a chapter needs help with a fundraiser or service project, lend your time or resources. These small actions, when multiplied across our district, can have a monumental impact.The 4th District Chronicle/Winter 2025CONTINUED ON NEXT PAGE16

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We must also think bigger and bolder. Could we create a Fourth District business directory, connecting brothers who own businesses or provide professional services? Could we form investment groups within our chapters, pooling resources to support startups or scholarships? Could we mentor young entrepreneurs within our communities, ensuring the next generation has the tools they need to succeed?Brothers, the possibilities are endless when we come together with a shared vision and purpose. Let’s not allow doubt or division to hold us back. Instead, let us embrace the spirit of hope and collaboration that has always been a cornerstone of Omega Psi Phi. Together, we can achieve what may seem impossible.This is our call to action. Let’s build something extraordinary, something that future generations of Omega men will look back on with pride. Let’s prove that the strength of our brotherhood goes beyond words—that it is rooted in action, in sacriﬁce, and in unwavering support for one another.Our history teaches us that we are capable of greatness when we stand together. Let’s honor that legacy by creating a future that reﬂects our highest aspirations. Black Wall Street was built on a foundation of resilience and unity. Purple Wall Street will be no diﬀerent.Brothers, the time is now. Let’s unite, uplift, and create a legacy that will inspire not just our district, but all of Omega Psi Phi. Together, we can build the future we deserve—a future where every brother thrives, and every chapter prospers. Purple Wall Street isn’t just a dream; it’s our destiny.Black Wall StreetA Blueprint for Our FutureThe 4th District Chronicle/Winter 202517

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FINANCIAL LITERACYTHE IMPORTANCE OFBY BROTHER LAMAR COLE 34TH 4TH DISTRICT REPRESENTIVE The 4th District Chronicle/Winter 2025Financial literacy is an essential life skill that empowers individuals to make informed and effective decisions regarding their ﬁnancial resources. In a world increasingly driven by complex economic systems, understanding the basics of money management, investing, and ﬁnancial planning is more critical than ever. Unfortunately, many African Americans lack the knowledge and commitment needed to navigate their ﬁnancial lives effectively, leading to poor ﬁnancial health and missed opportunities savings over time.What is Financial Literacy?Financial literacy refers to the ability to understand and use various ﬁnancial skills, including budgeting, investing, saving, and managing debt. It encompasses knowledge of ﬁnancial principles and concepts such as compound interest, the time value of money, and the risks and rewards associated with investments.1. Improved Money ManagementFinancial literacy equips individuals with the tools to create budgets, track expenses, and manage income effectively. By understanding where their money is going, people can allocate resources to meet their needs and goals.2. Reduced Debt LevelsWith ﬁnancial knowledge, individuals can avoid common pitfalls like high-interest loans, credit card debt, and predatory lending practices. Learning how to manage and repay debt effectively ensures ﬁnancial stability.3. Preparation for EmergenciesA strong ﬁnancial foundation enables individuals to build an emergency fund, providing a safety net in case of unexpected expenses such as medical emergencies or loss of income.4. Better Retirement PlanningFinancial literacy helps individuals understand the importance of long-term saving and investing. Planning for retirement early can ensure ﬁnancial security in their later years.5. Increased Economic ParticipationA ﬁnancially literate population contributes to a healthier economy. Individuals who understand how to manage their ﬁnances can invest in businesses, purchase homes, and contribute to economic growth.CONTINUED ON NEXT PAGE18

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FINANCIAL LITERACYTHE IMPORTANCE OFThe 4th District Chronicle/Winter 2025Key Components of Financial Literacy:1. BudgetingCreating and maintaining a budget is the cornerstone of ﬁnancial literacy. It involves tracking income and expenses to ensure spending aligns with ﬁnancial goals.2. Saving and InvestingSaving for short-term needs and investing for long-term growth are critical aspects of ﬁnancial health. Understanding concepts like interest rates, inﬂation, and diversiﬁcation can SIGNIFICANTLY impact ﬁnancial outcomes.3. Debt ManagementKnowing how to handle debt responsibly, including understanding credit scores and repayment terms, is vital for maintaining ﬁnancial stability.4. Understanding Financial ProductsFrom insurance policies to retirement accounts, being aware of the beneﬁts and drawbacks of various ﬁnancial products can help individuals make more informed choices.How to Improve Financial Literacy:1. EducationTake advantage of online courses, workshops, and seminars on personal ﬁnance. Many resources are free and accessible to everyone.2. Practical ApplicationApply ﬁnancial principles in everyday life, such as setting a budget and reviewing bank statements.3. Seek Professional AdviceConsulting with a ﬁnancial advisor can provide personalized guidance tailored to your goals and ﬁnancial situation.4. Read and ResearchBooks and reputable ﬁnancial websites offer valuable insights into personal ﬁnance. Financial literacy is not just a skill; it is a necessity in today’s fast-paced, ever-changing economic environment. By equipping themselves with the knowledge and tools to manage their ﬁnances effectively, individuals can achieve ﬁnancial independence, reduce stress, and build a secure future. All organizations (Business, Government, School, etc.) must prioritize ﬁnancial education to create a society where EVERYONE has the opportunity to thrive ﬁnancially.19

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Understanding Credit Scores and Debt-to-Income Ratios: A Guide for Black MalesIn today's ﬁnancial landscape, understanding credit scores and debt-to-income ratios is crucial for anyone looking to achieve ﬁnancial stability and success. For Black males, who often face systemic barriers to ﬁnancial literacy and access to credit, it is essential to gain a comprehensive understanding of these concepts. This article aims to demystify credit scores, explain the signiﬁcance of debt-to-income ratios, and provide actionable steps to improve both. By empowering individuals with this knowledge, we can help create a more equitable ﬁnancial future.A credit score is a numerical representation of an individual's creditworthiness, calculated based on their credit history and ﬁnancial behavior. Typically ranging from 300 to 850, a higher score indicates better credit health and makes it easier to secure loans and credit at favorable interest rates. Credit scores are primarily used by lenders to assess the risk of lending money to a borrower.Several key factors inﬂuence your credit score. The most signiﬁcant is your payment history, which accounts for about 35% of the score. Consistently making on-time payments demonstrates reliability and responsibility. Next is credit utilization, which makes up around 30% of your score; this refers to the ratio of your current credit card balances to your total credit limits. Keeping this ratio below 30% is generally recommended.The length of your credit history (15%) also plays a role; longer histories can positively impact your score. Additionally, the types of credit accounts you have (10%) and the number of recent inquiries into your credit (10%) can affect your score. Understanding these components is crucial for anyone looking to improve their credit score and secure better ﬁnancial opportunities.The 4th District Chronicle/Winter 2025By Brother Daniel B. Jones, Sr.Omega Psi Phi Fraternity Federal Credit UnionTreasurerCONTINUED ON NEXT PAGE20

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Understanding Debt-to-Income RatioThe debt-to-income (DTI) ratio is a crucial ﬁnancial metric that helps lenders assess an individual’s ability to manage monthly payments and repay debts. It is calculated using the formula: DTI=(TotalMonthlyDebtPaymentsGrossMonthlyIncome)×100\text{DTI} = \left( \frac{\text{Total Monthly Debt Payments}}{\text{Gross Monthly Income}} \right) \times 100DTI=(GrossMonthlyIncomeTotalMonthlyDebtPayments)×100This ratio expresses your total monthly debt payments as a percentage of your gross monthly income. A lower DTI indicates that you have a manageable level of debt compared to your income, making you a more attractive candidate for loans.DTI is essential in evaluating borrowing power, as lenders use it to gauge risk. Generally, an ideal DTI ratio is below 36%, but this can vary based on the type of loan. For example, most mortgage lenders prefer a DTI of 28% or lower for housing-related debts, while some allow higher ratios for personal loans. Maintaining a low DTI not only enhances your chances of loan approval but can also lead to better interest rates, ultimately saving you money over time. Understanding and managing your DTI is a key component of effective ﬁnancial planning.The Impact of Credit Scores and DTI on Borrowing PowerUnderstanding how credit scores and debt-to-income (DTI) ratios affect borrowing power is crucial for anyone seeking a loan. These two factors signiﬁcantly inﬂuence loan approval, interest rates, and overall borrowing terms.Credit Scores and Loan ApprovalCredit scores typically range from 300 to 850, with higher scores indicating lower risk to lenders. A strong credit score, usually above 700, can lead to quicker loan approvals and more favorable interest rates. Lenders view individuals with higher scores as responsible borrowers, often resulting in lower monthly payments and reduced total interest paid over the life of the loan. For instance, someone with a credit score of 750 might secure a mortgage at a 3.5% interest rate, while another borrower with a score of 620 could face a rate of 5.5%, signiﬁcantly increasing the overall cost of borrowing.The 4th District Chronicle/Winter 2025CONTINUED ON NEXT PAGE21

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DTI and Loan EligibilityThe DTI ratio, calculated by dividing monthly debt payments by gross monthly income, serves as a critical indicator of a borrower’s ability to manage monthly payments. A lower DTI—typically below 36%—is preferred by lenders, as it indicates that borrowers have a manageable level of debt relative to their income. If your DTI is too high, lenders may deny your application or offer less favorable terms.Real-Life ExamplesConsider two applicants seeking a mortgage of $300,000. Applicant A, with a credit score of 780 and a DTI of 28%, is offered a 3.5% interest rate. Their monthly payment would be approximately $1,350. Applicant B, with a credit score of 640 and a DTI of 45%, receives an offer at 5.5%, leading to a monthly payment of about $1,700. Over 30 years, Applicant A will pay nearly $170,000 less in interest than Applicant B.In summary, maintaining a high credit score and a low DTI is vital for maximizing your borrowing power and securing the best possible loan terms.Strategies to Control and Improve Your Credit ScoreMaintaining a good credit score is essential for securing loans and favorable interest rates. Here are some effective strategies to help you manage and improve your credit.Timely PaymentsConsistently paying your bills on time is one of the most signiﬁcant factors inﬂuencing your credit score. Setting up automatic payments or reminders can help you stay on track.Reducing Credit Card BalancesAim to keep your credit utilization ratio below 30%. This means using less than 30% of your available credit limit. Paying down existing balances and avoiding high credit card debt can boost your score signiﬁcantly.Minimizing Credit InquiriesLimit the number of new credit applications. Each inquiry can temporarily lower your score, so apply for credit only when necessary.Regularly Check Credit ReportsMonitoring your credit reports regularly is crucial. I encourage you to check your credit scores, annually, for instance, on your birthday and look for inaccuracies and dispute any errors, as they can negatively impact your score. You are entitled to one free report annually from each of the major credit bureaus. The most known credit reporting agencies are Experian, TransUnion, Equifax.The 4th District Chronicle/Winter 2025CONTINUED ON NEXT PAGE22

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Building CreditConsider using secured credit cards or credit-builder loans. These options are designed to help individuals establish or rebuild their credit history, provided they make timely payments. By implementing these strategies, you can take control of your credit score and improve your ﬁnancial future.Strategies for Reducing DebtStart by creating a budget that tracks your income and expenses. This will help identify areas to cut back, allowing you to allocate more towards debt repayment. Two popular methods for tackling debt are the debt snowball and debt avalanche strategies. The debt snowball method focuses on paying off the smallest debts ﬁrst, creating a sense of accomplishment. In contrast, the debt avalanche method prioritizes high-interest debts, ultimately saving you more money over time.Increasing IncomeImproving your income is another effective way to enhance your DTI. Consider taking on a side job, freelancing, or selling unused items. Even small increases in income can signiﬁcantly impact your overall ﬁnancial picture.Seeking Financial EducationFinally, leverage ﬁnancial education resources, such as workshops, online courses, and counseling services. These can provide valuable insights and strategies for managing debt effectively. With a proactive approach, you can reduce your debt load and improve your ﬁnancial standing. Your Omega Psi Phi Fraternity Federal Credit Union is ready to provide assistance for free. Contact them atoppffcu.org. Take ControlUnderstanding credit scores and debt-to-income ratios is vital for Black males striving for ﬁnancial empowerment. By taking control of their credit and managing debt effectively, individuals can enhance their borrowing power, secure better loan terms, and ultimately achieve their ﬁnancial goals. Education and awareness are the ﬁrst steps toward breaking down barriers and building a brighter ﬁnancial future.The 4th District Chronicle/Winter 202523

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WHAT IS A TRUST?Brother Jason B. Ward 4th District Director of Public RelationsGrantor: This is the person who puts assets (like money or property) into the trust for someone else to manage. Trustee: This can be an individual or an organization responsible for taking care of those assets. They manage the trust for the beneﬁt of the person or group receiving the assets.Beneﬁciary: This is the individual or organization that ultimately receives the assets from the trust.Trusts can serve many purposes, such as:- Giving assets to family members or charities - Helping to lower taxes - Protecting property from legal claims or during a divorce - Providing a steady income for a particular time frame There are two main types of trusts:1. Revocable Trust: Also known as a living trust, the grantor can change or end this type of trust while they are still alive.2. Irrevocable Trust: Once this trust is set up, it cannot be changed or canceled.Setting up a trust involves ongoing management. This includes putting assets into the trust, picking a trustee, and making updates to the trust agreement as needed.Establishing a trust can offer several advantages, such as:Avoiding Probate: Trusts often help skip the probate process, which is the legal procedure for distributing assets and can be time-consuming and public. This enables quicker and more private transfers of property.Asset Protection: Trusts can shield assets from creditors and legal challenges. Reducing Estate Taxes: Putting assets into an irrevocable trust means they are no longer counted as part of your estate, which can lower taxes owed after you pass away.Flexibility: Trusts can offer more options than a will. For instance, a grantor can modify a revocable trust while they are alive.Privacy: Trusts help keep your ﬁnancial situation conﬁdential by allowing you to control your property and how it is passed on to beneﬁciaries.Control: Trusts give you the ability to decide how and when beneﬁciaries receive their share of the assets, such as specifying an age requirement.Charitable Legacy: You can create a lasting impact by setting up a charitable trust to support causes important to you.Overall, trusts are powerful tools for managing and protecting your assets both during your life and after you’re gone.Understanding what is a trust.A trust is a legal arrangement that involves three key players: the grantor, the trustee, and the beneﬁciaryThe 4th District Chronicle/Winter 202524

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What is an Annuity?By Brother Jason B. Ward 4th District Director of Public RelationsIndexed Annuities: These annuities oﬀer a mix of security and growth potential. They tie your investment to the performance of stock market indexes, similar to how the stock market does. They often provide a guaranteed minimum payout, like ﬁxed annuities, but there may be limits on how much you can earn if the market does really well.Immediate Annuities: Perfect for those who want to start receiving payments right away, immediate annuities allow you to get payouts shortly after making a signiﬁcant initial payment. This is ideal for people needing a quick source of income.Deferred Annuities: Unlike immediate annuities, deferred annuities let you save money for a while before taking any payouts. Your money grows without being taxed during this waiting period, and you can contribute either a single large sum or a series of smaller payments.An annuity is a type of ﬁnancial product provided by insurance companies, intended to give people a steady income, especially when they retire. You can think of an annuity like a personal pension plan that helps you save and manage your money for the future. One of the great things about annuities is that there are diﬀerent types, allowing you to choose the one that best meets your needs and goals.Diﬀerent Types of AnnuitiesFixed Annuities: These are a good option for those who want a stable and predictable income. Fixed annuities promise a set payout and provide a ﬁxed interest rate, which means they are not aﬀected by the ups and downs of the stock market. Depending on your plan, you can get your money all at once or in scheduled payments over several years.Variable Annuities: If you don’t mind market changes, variable annuities let you invest your money in diﬀerent portfolios. The payout you receive can vary based on how well these investments perform. If they do well, you could see bigger payouts; if not, your payouts might be smaller.The 4th District Chronicle/Winter 2025CONTINUED ON NEXT PAGE25

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What are MUTUAL FUNDS?A fund's success relies heavily on its managers, such as Adam Benjamin for FSPTX, who make key investment decisions. Mutual funds are open-ended, available for trading at any time, and usually come in dierent share classes:Class A Shares: Front-end load shares with priority for dividends.Class B Shares: Back-end load shares that charge a fee upon selling, decreasing over time.Class C Shares: Level-load shares with minimal sales charges, but carrying ongoing fees.A mutual fund is a security oered by an Open-End Investment Company and is popular among investors for its diversiﬁcation, aordability, liquidity, and professional management. The SEC mandates that mutual funds have a deﬁned investment objective, which can only change with a majority shareholder vote.Investors buy shares in mutual funds, allowing them to indirectly invest in multiple companies within a sector, unlike purchasing individual company stocks. This diversiﬁcation helps manage risk, as dierent stocks within the fund may perform variably.For instance, the Fidelity Select Technology Portfolio (FSPTX) has a market size of $15.917 billion and includes companies like Nvidia, Apple, and Microsoft, with a share price of $37.70. A well-composed fund can mitigate risks and enhance value, especially if one or more companies signiﬁcantly outperform expectations.The 4th District Chronicle/Winter 2025By Brother Christtopher Cooper JrCONTINUED ON NEXT PAGE27

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There are various types of mutual funds for investors, including index funds and target date funds. Many 401(k) providers oer these options to help build wealth for retirement and other goals. Index funds track speciﬁc market indices like the S&P 500, providing diversiﬁcation by spreading investments across all companies in that index. Conversely, target date funds adjust their asset allocation over time, becoming more conservative as the retirement date approaches.Employees often invest part of their paycheck in an index fund matching their expected retirement year. For example, a new employee in 2024 might select a “Target Date 2054” fund, which shifts to a more cautious approach as the date nears, combining stocks and bonds for stability.Both fund types allow for fractional investments, enabling systematic contributions that start working immediately. Mutual fund shares are key to an investment portfolio and are best held for the long term, usually experiencing modest growth without drastic ﬂuctuations.Investors often buy mutual funds with the aim of selling later at higher prices, ideally years down the line. A common strategy is Dollar Cost Averaging (DCA), where a ﬁxed amount is invested regularly, helping to smooth out price volatility and reduce the average cost per share over time.In conclusion, mutual funds serve as a valuable investment vehicle for individuals seeking to diversify their portfolios while beneﬁting from professional management and liquidity. With various types available, including index and target date funds, investors can tailor their choices to align with their ﬁnancial goals and risk tolerance. The ability to invest steadily through methods like Dollar Cost Averaging further enhances the potential for long-term growth. By understanding mutual fund structures and strategies, investors can harness their advantages and work toward building a robust ﬁnancial future.What are MUTUAL FUNDS?The 4th District Chronicle/Winter 2025Brother Christopher Cooper Jr(614) 746-355728

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When is the Right Time to Withdraw From Your Retirement Account?Determining the optimal time to withdraw funds from your retirement account is a crucial decision that hinges on several factors, including your ﬁnancial needs, tax consequences, and personal circumstances related to age and retirement planning.Typically, individuals can begin making penalty-free withdrawals from their retirement accounts at age 59½. However, postponing withdrawals until at least age 70½, or 73 for those born in 1960 or later is often advantageous. This delay allows your investments to grow further through the power of compound interest, which can signiﬁcantly enhance your overall retirement savings.It's essential to be aware of Required Minimum Distributions (RMDs), which are mandatory withdrawals that must commence at a speciﬁed age, usually 72 years. Failing to take these distributions can result in severe penalties, often amounting to 50% of the amount that should have been withdrawn. Therefore, planning for RMDs is critical to avoid unexpected tax burdens.When considering withdrawals, you should evaluate various factors. These include your current income needs, as accessing your retirement funds could impact your lifestyle and ﬁnancial security. Additionally, closely monitor the performance of your investments within the retirement account; withdrawing during a market downturn may not be prudent if it can diminish your long-term growth potential.Tax strategy is another vital consideration. Withdrawals from retirement accounts can be taxed as ordinary income, so understanding how this will impact your tax bracket is essential for eective ﬁnancial planning. For instance, large withdrawals in a particular year may push you into a higher tax bracket, resulting in increased tax liability.In light of these complexities, consulting a ﬁnancial advisor is highly recommended. A professional can help you devise a withdrawal strategy that aligns with your overall ﬁnancial goals, optimizes tax implications, and enables you to preserve your hard-earned savings for the long term. Through careful planning and professional guidance, you can make informed decisions that support your retirement lifestyle while ensuring the longevity of your retirement resources.By Brother Dr. Odell A GravesThe 4th District Chronicle/Winter 2025Brother Dr. Odell A. GravesInvestment Advisor RepresentativePrimerica(513) 550-1683 Ograves@primerica.com29

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Saving vs InvestingKnow the DifferenceRonald Jackson rjackson1@ft.newyorklife.com 937-416-9406Saving and investing are both important concepts for building a sound ﬁnancial foundation, but they’re not the same thing. While both can help you achieve a more comfortable ﬁnancial future, consumers need to know the differences and when it’s best to save compared to when it’s best to invest.The biggest difference between savings and investing is the level of risk taken. Savings typically result in you earning a lower return with basically no risk. In contrast, investing allows you the opportunity to earn a higher return, but you take on the risk of loss in order to do so.How are savings and investing different?“When you use the words saving and investing, people — really 90-some percent of people — think it’s exactly the same thing,” says Ronald Jackson, Financial Services Professional at NYLife Securities LLC & New York Life.When you think of saving, think of bank products such as savings accounts, money markets, and CDs — or certiﬁcates of deposit. And when you think of investing, think of stocks, ETFs, bonds, and mutual funds, Jackson says.Factors to Consider When Deciding to Save or InvestBoth saving and investing involve setting aside money now for a future goal or expense. However, the time horizon, level of risk, and your most pertinent ﬁnancial goals vary depending on whether you are looking at saving or investing your money.One of the biggest considerations when deciding whether to save or invest is the time horizon of your ﬁnancial goals. Some goals have a limited scope or a deﬁnite endpoint. In these cases, it may make the most sense to keep your money easily accessible in a savings account (preferred when the time horizon for liquidity is 12 months or less) or similar vehicle, as you will not hold the money long enough for it to grow signiﬁcantly in an investment (open ended or signiﬁcant)setting .Another key factor when deciding about saving or investing is your risk tolerance. Risk tolerance refers to the degree of risk that you are willing to take on given the potential volatility of a ﬁnancial decision.Lastly, laying out clear ﬁnancial goals will help you to decide when it is appropriate to save or invest—or a combination of both. Financial goals may be large, such as preparing for a down payment on a home, a new vehicle, college tuition, or planning for retirement. They may also be more modest, such as saving for a small purchase or a short weekend trip.While they are different, they both can be valuable in creating a sound ﬁnancial plan. By Brother Ronald Jackson30The 4th District Chronicle/Winter 2025

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HISTORY OF OPPFFCUBy Brother Daniel B. Jones, Sr.Omega Psi Phi Fraternity Federal Credit UnionTreasurerIn December 1984 at the Louisville Conclave Meeting, a discussion between Jim Elam and Ken Taylor evolved into what is now known as the Omega Psi Phi Credit Union. On January 31, 1986, the National Credit Union Administration (NCUA) issued the Approval of Organization Certiﬁcate and Certiﬁcation of Insurance to OMEGA PSI PHI FRATERNAL FEDERAL CREDIT UNION (OPPFFCU). The Credit Union was the ﬁrst international fraternal credit union in the world. The charter was signed by ten of the original 18 members of the Credit Union. The original members were Walt Amprey, Ed Braynon, Kenny Brown, Charles Chambliss, Arnold Eagle, Jim Elam, Ted Greer, Rob Howard, Milt Johnson, Charlie Maker, Adam McKee, Moses Norman, Frankie Patterson, Ken Taylor, Mel Washington, Walt Wrenn, 2nd District and the 4th DistrictOPPFFCU was started by two $5,000 donations, one from Jim Elam, and another from the Second District. The Second District Representative was Andrew Ray. The original oﬃcers were Kenneth Taylor - President, Theodore Greer - 1st Vice President, Arnold Eagle - 2nd Vice President, Frank Patterson - Secretary, and Charles Maker - Treasurer. Former Presidents/Chairman of the Board were: Ken Taylor, Ted Greer, Arnold Eagle, Curtis Baylor, Walt Wrenn, Jim Elam, Staﬀord Thompson, Derrick Hostler, and Norris Middleton. The current President and Chairman is, Derrick Lowery who was elected in July 2024. Current and former Board members have been inﬂuential in the advancement and growth of the Credit Union: Barnie Barnwell, Joe Briggs, Connie Brown, Charles Bruce, Dyrren Davis, Ken Dollar, Mike Horsey, Daniel Jones, Bennie Lowder, Derrick Lowery, Bennie Marable, Walter Martin, Gerry McCants, Walter Munnings, Adam McKee, Neil Phillips, Mike Seals, Ken Terrell, Clinton Vaughn, Kermit Wardell, Walt Watkins, Garvey Wright, and Ken Younger. It should be noted that Board Members attend monthly meetings, perform other duties, and provide services without compensation. .The Omega Psi Phi Fraternity Federal Credit Union continues to provide ﬁnancial avenues for the fraternity’s members, families and employees. With an excellent team of dedicated members of the Board, and Committees, we have a competitive, and a ﬁnancially secure credit union. The Credit Union has grown to assets totaling over $5.0 million and provides full services to more than 2,200 members. In 1990, the credit union established Loans for Life, a program where brothers could borrow money for their Life Membership. This program has signiﬁcantly contributed to the growth of Life Membership, which is now over 30,000 members. In addition to Life Memberships loans, we provide checking, savings, debt ﬁnancial services, credit report review, student loan coaching, debt and budget coaching and journey to wealth webinar series. On the horizon are debit cards and credit cards projected for this summer. The Credit Union ﬁeld of membership extends to fraternity members, family members of fraternity brothers, employees of the credit union and fraternity, and related organizations and businesses. We encourage you to join, save, borrow, and take advantage of all the services available to you. Omega Psi Phi Fraternity Federal Credit Union – Since 1986 Phone: 1-800-42-Omega. The 4th District Chronicle/Winter 202531

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The Rule of 72: Why Savings Accounts Keep You BrokeBy Brother DR Odell GravesBrother Dr. Odell A. GravesInvestment Advisor RepresentativePrimerica(513) 550-1683Ograves@primerica.comAs an Army officer, one of my roles was financial training for my soldiers, which caused me to learn it myself. A rule I was introduced to by my financial advisor was the Rule of 72, which I then used in all my training, and now as a financial professional myself. As I tell my clients, you cannot win in the financial game, if you don’t know the rules, and most bankers are not going to tell you the rules. Understanding the Rule of 72 is vital for navigating various aspects of personal finance, including investing, managing debt, and optimizing savings. The Rule of 72, attributed to Luca Pacioli, the 15th-century Italian mathematician and "Father of Accounting," is a simple formula that estimates the time it takes for an investment to double (Pacioli, 1494). Dividing 72 by the annual interest rate provides the doubling time in years. While invaluable for understanding growth, this principle also exposes the inadequacy of relying on traditional savings accounts.For Savings AccountsIn the context of savings, the Rule of 72 illustrates how long it will take for savings to double based on the interest rate. As of December 16, 2024, the national average interest rate for savings accounts is a mere 0.42% (FDIC, 2024). Using the Rule of 72, money in such an account would take approximately 171 years to double (72 ÷ 0.42 ≈ 171). Even savings in a bank or credit union that offers 2% or 5% annual interest rate, savings will double in 36 (72 ÷ 2 = 36) or 14.4 (72 ÷ 5 = 14.4) years respectively. This glaringly slow growth underscores why savings accounts, while secure, fail to build wealth effectively.For InvestorsThe Rule of 72 highlights the benefits of higher-yield investments like stocks or bonds, where annual returns can range from 6-8%. At these rates, money doubles in 9-12 years, demonstrating the exponential advantage of compounding over time.For Debt ManagementThe rule also warns of the rapid growth of high-interest debt. A credit card with a 20% annual rate will see the balance double in just 3.6 years (72 ÷ 20 = 3.6). This emphasizes the urgency of reducing debt to prevent financial strain.Understanding the Rule of 72 empowers smarter financial decisions, whether avoiding stagnant savings or managing investments and debt effectively.The 4th District Chronicle/Winter 202532

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Ronald Jackson rjackson1@ft.newyorklife.com 937-416-9406For an overwhelming majority of retirees, Social Security represents more than just a monthly check. It serves as a financial foundation for those who can no longer provide for themselves.For more than two decades, Gallup has been conducting an annual poll that questions retirees regarding their reliance on Social Security. Between 80% and 90% of respondents -- including 88% in April 2024 -- have noted that theirSocial Security benefitis a "major" or "minor" source of income. In other words, close to 9 out of 10 seniors would financially struggle if this program didn't exist.But despite being vital to the financial well-being of our nation's aging workforce, this nearly 90-year-old program is in trouble. Every year since the first retired worker benefit check was mailed in January 1940, the Social Security Board of Trustees has issued a report that examines the current financial health of America's leading retirement program. More importantly, it takes into account changing demographic factors, as well as shifts in fiscal and monetary policy, to predict how financially sound Social Security will be over the long term, which encompasses the 75 years following the release of a report.By Brother Ronald JacksonSocial Security and What’s At StakeIn the 2024 Trustees Report, it was estimated that Social Security is facing a $23.2 trillion funding obligation shortfall through 2098. This was up $800 billion from the estimated long-term funding deficit in the 2023 report, and it's a figure that's been climbing fairly steadily since the mid-1980s.To make one thing clear, Social Security is inabsolutely no danger of disappearing or becoming insolvent. The lion's share of the income that funds this program comes from the 12.4% payroll tax on earned income (wages and salary, but not investment income). As long as people continue to work and pay their taxes, there will always be money to disburse to eligible beneficiaries.But what is at stake is the current payout schedule,including cost-of-living adjustments (COLAs), if these funding obligation shortfalls persist. According to the latest Trustees Report, the Old-Age and Survivor's Insurance Trust Fund (OASI) is projected to exhaust itsasset reserves -- the excess cash built up since inception that's invested, by law, into ultra-safe, interest-bearing government bonds -- by 2033. If the OASI's asset reserves deplete in nine years, as forecast,sweeping benefit cuts of up to 21% may be necessary for retired workers and survivor beneficiaries.In 1983, Social Security's asset reserves were rapidly headed for exhaustion, which would have necessitated benefit cuts. The Social Security Amendments of 1983, which represent the last major bipartisan overhaul of the program, thwarted the need to cut benefits. It gradually raised the payroll tax on working Americans, as well as increased thefull retirement age. Most importantly, it introduced the taxation of Social Security benefits.In conclusion, the future of Social Security poses significant challenges that demand attention and action. With nearly 90% of retirees relying on this program as a crucial source of income, the potential funding shortfall of $23.2 trillion through 2098 could lead to drastic benefit cuts if proactive measures are not taken. While the program itself is not in immediate danger of disappearing, preserving the current payout and ensuring that beneficiaries continue to receive the support they need is paramount. Historical precedents show that bipartisan cooperation can yield effective solutions, as demonstrated in the 1983 amendments. As we move forward, it will be essential for policymakers to address these looming issues with the urgency they deserve, protecting the financial security and dignity of millions of Americans who depend on Social Security for their well-being in retirement.The 4th District Chronicle/Winter 202533

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In today’s housing market, the age-old question of whether to buy or rent has taken center stage. is decision is not merely about nances; it encompasses lifestyle choices, stability, and long-term goals. Let’s delve into the pros and cons of both options to help you make an informed decision.To Buy or Not to Buy e Renting vs. Buying DilemmaBy Brother Dannel ShepardWhen you buy a home, you’re investing in your future. Every mortgage payment builds equity, setting you on a path to nancial security. Owning a home also provides stability; you have the freedom to personalize your living space without landlord restrictions. Plus, as property values rise, so does your investment.Yet, buying a home comes with its own set of responsibilities. From maintenance costs to property taxes and market uctuations, potential homeowners must assess their readiness. A good rule of thumb is to ensure housing costs don’t exceed 30% of your monthly income.For more information contact Brother Dannel Shepard (513) 703-0370Renting oﬀers a level of exibility that homeownership simply can’t match. Whether you’re starting a new job, moving for personal reasons, or just not ready to commit, renting allows you to adapt without the burdens of a mortgage. Maintenance costs typically fall to the landlord, relieving renters of unexpected expenses when appliances break down or roofs leak.However, renting has its drawbacks. Monthly rent payments can increase, and most importantly, these payments do not build equity. Instead, they contribute to someone else’s investment. If you’re looking to secure a stable nancial future, this is a critical consideration.Consider your lifestyle when deciding between renting and buying. Renting often allows you to live in desirable neighborhoods without the hefty price tag of homeownership. If you seek a transient lifestyle or aren’t ready to settle down, renting could be the best option for you.Conversely, if you envision starting a family or planting roots, buying may provide the stability you desire. ink about your long-term goals: do you want a garden, a space for family gatherings, or the freedom to renovate?Ultimately, the decision to buy or rent is deeply personal and should align with your nancial and lifestyle aspirations. Whether you choose to rent or purchase, ensure that you fully understand the implications of your choice. As your local expert, I’m here to help you navigate this process and nd the best solution for your needs.If you have any questions or want to explore your options further, don’t hesitate to reach out. Together, we can unlock the secrets to your next home.e Case For RentingWeighing Lifestyle Factorse Advantages of BuyingThe 4th District Chronicle/Winter 2025Brother Dannel Shepard Realtor/ Broker(513) 703-0370drs@yourhouseiskey.com35

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Understanding Closing Costs A Key Step in the Home-Buying JourneyWHAT ARE CLOSING COST?What Do Closing Costs Typically Include?HOW MUCH SHOULD YOU BUDGET FOR CLOSING COSTS?PREPARING FOR CLOSING COSTS?Why Work with a Local Real Estate Expert?Final ThoughtsWhen you’re ready to buy a home, you've probably heard about the importance of saving for a down payment. However, there’s another crucial cost you’ll need to consider: closing costs. Understanding these fees is essential for a smooth transaction and to avoid any last-minute surprises. Let’s break down what closing costs entail, how they’re calculated, and why having a real estate professional by your side can make all the difference.As explained by Bankrate, “Closing costs are the fees and expenses you must pay before becoming the legal owner of a house, condo, or townhome.” In simple terms, they are additional charges associated with ﬁnalizing your home purchase. These costs are unavoidable and vary based on the property’s purchase price and your ﬁnancing terms. Closing costs often feel like the last hurdle before you can ofﬁcially call a place "home," so being well-prepared is essential.Closing costs usually range between 2% and 5% of your home’s total purchase price. For example, on a median-priced home of $384,500, you might expect to pay between $7,690 and $19,225 in closing costs. While these numbers provide a general range, your closing fees could be higher or lower based on the home price and speciﬁcs of your loan.Freddie Mac advises homebuyers to get a complete picture of all expected expenses, from the down payment to closing fees. Partnering with an experienced team of real estate professionals is an excellent way to stay prepared and get the insights you need. Working with a trusted realtor ensures you know exactly what to expect every step of the way, from budget planning to negotiating the best terms on your closing costs.Navigating closing costs and the entire home-buying process becomes much simpler with an experienced guide by your side. As your dedicated Cincinnati and Northern Kentucky realtor, I’m committed to providing expert guidance to every client, helping you stay informed and conﬁdent from day one to closing day.When buying a home, closing costs are a signiﬁcant part of the equation. By planning ahead and working with a knowledgeable realtor, you can ensure that these costs won’t be a surprise. Remember, with the right support, your dream home is closer than you think.If you have any questions or are ready to start your home-buying journey, feel free to reach out. Together, we can turn the key to your future.• According to Freddie Mac, while speciﬁc costs can vary, typical closing expenses may cover:• Government Recording Costs: Fees for legally recording the property sale.• Appraisal Fees: Charges for assessing the home’s value to ensure it aligns with the loan amount.• Credit Report Fees: Paid for pulling your credit report, which lenders review as part of your application.• Lender Origination Fees: Charges by your lender for processing your loan application.• Title Services: Fees related to verifying the title’s legal ownership and ensuring it's free of liens.• Tax Service Fees: Costs associated with managing and verifying property tax information.• Survey Fees: In some cases, fees for a property survey to conﬁrm boundary lines.• Attorney Fees: Some states require an attorney to review closing documents, which can incur additional costs.• Underwriting Fees: Charges for the lender’s ﬁnal loan approval process.By: Brother Danell ShepardThe 4th District Chronicle/Winter 2025Brother Dannel Shepard Realtor/ Broker(513) 703-0370drs@yourhouseiskey.com36

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Renancing Your MortgageBy Brother Dannel ShepardReﬁnancing your mortgage can be a powerful tool to lower monthly payments, reduce long-term interest, or access funds for major life goals. But how do you know when it’s the right time? Here’s a look at key factors to help you decide if reﬁnancing is the best move for your ﬁnancial future.1. Interest Rates: Keep an Eye on the MarketInterest rates are one of the primary drivers for reﬁnancing. If current rates are signiﬁcantly lower than the rate you’re paying on your mortgage, reﬁnancing could help you save on your monthly payment and reduce overall interest costs. Lowering your interest rate is like getting a pay raise for your home budget—it frees up money each month that you can use for other expenses or savings.2. Improved Credit Score? You May Qualify for Better RatesYour credit score plays a big role in your reﬁnancing rate. If your credit score has improved since you took out your original mortgage, it might make sense to reﬁnance to take advantage of better terms. Think of it as getting a chance to renegotiate based on a stronger ﬁnancial standing. A higher credit score can 3. Home Equity: Tapping into Your InvestmentBuilding equity in your home can open up options for cash-out reﬁnancing. With a cash-out reﬁnance, you can access part of your home’s equity, turning it into funds you can use now. This approach is especially useful if you’re planning home renovations, like putting in a pool, ﬁnishing your basement, or making other improvements that increase your home’s value and enjoyment. Renovations funded by home equity can be a smart way to reinvest in your property while beneﬁting from mortgage-level interest rates, which are often lower than other ﬁnancing options.4. Consolidate High-Interest DebtReﬁnancing can also help you tackle high-interest debts like credit cards or installment loans. By using your home’s equity to pay off these debts, you can roll them into your mortgage, beneﬁting from lower interest rates. This consolidation can make your ﬁnancial life simpler with a single monthly payment, 5. Adjusting Loan Terms to Match Your GoalsSometimes, it’s worth reﬁnancing just to adjust your loan term. Reﬁnancing to a shorter term, like switching from a 30-year mortgage to a 15-year, can help you pay off your home faster and save thousands on interest, though monthly payments may increase. On the other hand, if you’re looking to reduce monthly expenses, you could extend your term, lowering your payment to give you more ﬂexibility in your budget.6. Major Life Changes: Stability MattersA stable income and future plans are essential for reﬁnancing. If you’ve recently experienced a big life change, like a new job, marriage, or children, consider how this change affects your ﬁnances. Reﬁnancing can be a great option to stabilize or improve your ﬁnancial standing, but it’s important to ensure it aligns with your long-term goals.7. The Break-Even Point: When Savings Outweigh CostsFinally, consider the break-even point—the time it takes for the savings from your lower interest rate to cover the costs of reﬁnancing. If you plan to stay in your home beyond this point, reﬁnancing is often a smart choice. Make sure to calculate all costs, including appraisal fees, closing costs, and other fees associated with reﬁnancing.The Bottom Line: Is Reﬁnancing Right for You?Reﬁnancing can be a powerful tool for homeowners, but timing is everything. By assessing your interest rate, credit score, home equity, and long-term goals, you can decide if it’s right for you. Consulting with a real estate professional or ﬁnancial advisor can provide personalized advice and ensure that your reﬁnancing decision aligns with your unique ﬁnancial situation.If you have any questions or would like to discuss your reﬁnancing options, I’m here to help. Reach out anytime to explore how reﬁnancing could be a smart step toward achieving your ﬁnancial goals.The 4th District Chronicle/Winter 2025Brother Dannel Shepard Realtor/ Broker(513) 703-0370drs@yourhouseiskey.com37

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Thinking of Buying ACAR?Purchasing an automobile is one of the most fundamental and signiﬁcant decisions we make in our lives. Transportation plays a vital role in our daily routines, facilitating travel to work, school, recreational activities, and various other responsibilities. When it comes to selecting the right vehicle, the process often involves extensive research and multiple test drives at various dealerships, online sellers, or through private listings.Before making a purchase, it is crucial to conduct detailed research on potential car models. This includes examining online reviews that assess the quality and performance of vehicles from different manufacturers. When evaluating cars, consider factors such as brand reputation, speciﬁc features, reliability ratings, safety scores, and the overall cost of ownership, which encompasses fuel efﬁciency, maintenance costs, and insurance premiums. It’s also important to assess how well the vehicle aligns with your personal needs, lifestyle, and budget, including any potential family planning that may inﬂuence your vehicle choice in the coming years.Financing is another critical aspect of the car-buying process for most individuals. Many people opt to ﬁnance their vehicles, with numerous sources available for obtaining loans. Generally, interest rates tend to be lower for new cars compared to used ones. Manufacturers frequently offer enticing ﬁnancing options, including lower interest rates or rebates to encourage buyers to purchase new vehicles. Additionally, some manufacturers may provide incentives such as military discounts, loyalty programs, or special ﬁnancing for ﬁrst-time buyers or recent college graduates, which can lead to substantial savings. Researching these ﬁnancial incentives and understanding their applicability can greatly impact your ﬁnal purchase decision, as taking advantage of these offers can save you a signiﬁcant amount of money over the life of the loan.In today’s ﬁnancial landscape, credit unions have emerged as a favorable option for ﬁnancing due to their typically competitive interest rates, especially for new and slightly used vehicles. It is essential to compare rates and loan terms from different lending institutions to ensure you secure the best possible deal, as even small differences in interest rates can add up to considerable savings over time.Another vital element to consider is your credit and how you manage it. A strong credit score can facilitate access to lower interest rates, which, in turn, can reduce your overall ﬁnancial burden. Conversely, a lower credit score may not only lead to higher interest rates but could also prevent you from qualifying for a loan altogether. Financial institutions evaluate several factors before approving a loan. These factors include your credit score, income stability, length of employment, duration of residence, debt-to-income ratio, and your history with ﬁnancial obligations. Each loan application is assessed individually, and lenders typically base their decisions on your creditworthiness and ability to make payments on time.If necessary, a bank may allow you to secure a loan with a co-signer. A co-signer—often a close family member, relative, or trusted friend—agrees to share the responsibility of the loan, providing the lender with added security. This can be especially beneﬁcial for individuals with lower credit scores, as the co-signer's more robust credit proﬁle can improve the likelihood of loan approval and possibly secure a better interest rate. When purchasing a vehicle, it's also wise to consider whether to invest in an extended warranty or additional ﬁnancial products. These offerings can provide considerable peace of mind during the ownership period, especially if unexpected breakdowns or issues arise when the manufacturer’s warranty expires. Extended warranties can cover essential repairs, helping to mitigate the potential for costly out-of-pocket expenses in the future. In conclusion, buying a car is a multifaceted decision that requires careful consideration and research. By taking the time to evaluate your options—whether regarding the types of vehicles, ﬁnancing choices, or additional protections like warranties—you can ensure that you make an informed decision that aligns with your needs and ﬁnancial goals.The 4th District Chronicle/Winter 2025By Brother Floyd HowellBrother Floyd Howell Car Salesman(937) 219-5425Floydq1@icloud.com38

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ZETA OMEGABy Brother Damon ScottAn Impressive Career in Financial Services: Zeta Omega Brother Rufus HeardCONTINUED ON NEXT PAGECONTINUED ON NEXT PAGE39His father rose to a managerial position which required the family move to Columbus when Rufus was 11 years old. He spent the next seven years there before graduating from high school and being accepted as a freshman at Kent State University. In 1968, during his undergraduate matriculation, Rufus was one of nine young men who became charter members of Psi Gamma Chapter of Omega Psi Phi Fraternity, Inc. The chapter ofﬁcially received its charter on April 1, 1969.Upon his graduation from Kent State in 1970, Brother Heard’s father introduced him to a gentleman who was the ﬁrst Black vice president of a major bank in Cleveland. The gentleman was hired after the riots that took place in the Glenville neighborhood of the city in the late 1960s. One of his responsibilities was to ﬁnd qualiﬁed people of color for management, so he hired Brother Heard into the management trainee program. That decision, to accept the offer of employment, led to a career in ﬁnancial services for Brother Heard, which included tenure at the Cleveland Trust Company, Ameritrust, Society Bank, Key Bank, Fifth Third Bank, and Citizens Bank.Brother Rufus Dennis Heard is known in Omega for saying that “my friends call me ‘Fus’” when introducing himself. He is originally from Dayton, Ohio, where he was born and reared by his parents, Wilson and Mamie Dee Heard. His father worked in the insurance industry, for Supreme Life Insurance Company. And he did so in the 1950s and 1960s, back when insurance companies did not sell insurance to people of color. Young Rufus observed that his father wore a suit and tie to work every day, while every other father in his neighborhood wore some type of uniform. As a result, Mr. Wilson Heard was his son’s ﬁrst hero.The 4th District Chronicle/Winter 2025CONTINUED ON NEXT PAGE

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An Impressive Career in Financial Services: Zeta Omega Brother Rufus HeardOnce he relocated to Cleveland, Brother Heard decided to transfer his membership in Omega to Phi Sigma Chapter. In the 1970s, Omega still designated some chapters as intermediate; they were typically populated by younger brothers who had just graduated from undergraduate school, or were enrolled in graduate or professional school. One feature of intermediate chapters was their dues were usually less than those in a traditional graduate chapter. This was an effort to help younger brothers remain active with Omega after graduation, as they were just starting their professional careers and most likely had less disposable income.Three years later, Brother Heard then joined Zeta Omega Chapter, where he has maintained active membership ever since. There, he has served as chairman of the Achievement Week, Mardi Gras, and Boatride committees. He also was elected Keeper of Finance, Vice Basileus, and Basileus. Developing his organizational and leadership skills at the chapter level prepared Brother Heard for serving Omega at the District and International levels. He was appointed District Marshall on three separate occasions, elected Keeper of Finance for four terms, then First Vice District Representative, and ultimately elected as the 29th Fourth District Representative, from 2009-2011. Brother Heard served as the Deputy Grand Marshall and on the Registration Committee in 1994 when Zeta Omega hosted the 68th Grand Conclave in Cleveland. He also lent his ﬁnance skills to Omega as International Chairman of the Fiscal Management Committee.Brother Heard has been married twice, each time being blessed with a wonderful bride. He is the father of four daughters and also a grandfather of three. When not working hard for Omega, Brother Heard’s civic engagement has included serving on the board of directors for the Boy Scouts of America, and local community organizations such as the Eliza Bryant Village, and the Murtis H. Taylor Multi-Services Center. He also was a founding member and the ﬁrst treasurer of the Black Professional Association of Greater Cleveland, and was even named Citizen of the Year during Black History Month by his hometown Cleveland Cavaliers!After his retirement from the banking industry, Brother Heard then managed a chain of nursing home care facilities in the local Cleveland area. And his ﬁnal retirement was from the United States Army Reserves with the rank of Captain.Omega, the Fourth District, and Psi Gamma, Phi Sigma, and Zeta Omega Chapters all have beneﬁted from the service, and particularly the ﬁnancial expertise, of Brother Rufus Heard, known to his Friends, simply as “Fus.”The 4th District Chronicle/Winter 202540

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010203Term life insuranceWhole life insurance Indexed universal life insurance Choosing the right type of life insurance depends on your nancial goals, budget, and risk tolerance. A young professional with dependents might lean toward term life for its aﬀordability, while someone seeking both protection and investment potential may opt for IUL. Regardless of the type, having life insurance is a crucial step toward building a smart nancial foundation, and safeguarding your family’s future against uncertainty. Seek assistance from a licensed nancial professional or life insurance agent to identify the best option for you.Term life insurance is the simplest and most aﬀordable option, oﬀering coverage for a specic period, typically 10 to 30 years; 35 in the case of my company. It’s ideal for young families or individuals with temporary nancial obligations, like a mortgage or children’s education costs. e downside? Term policies have no cash value, so if you outlive the term, the premiums paid don’t result in any nancial returnWhole life insurance, on the other hand, provides lifetime coverage and includes a cash value component that grows over time. e premiums are higher than term life, but they remain xed, and the policy builds equity you can borrow against or use in later years. Whole life insurance is often chosen for its stability and the forced savings mechanism it oﬀers, making it suitable for those seeking a lifelong nancial safety net.Indexed universal life insurance (IUL) combines the best of both worlds, oﬀering lifetime coverage and cash value growth tied to a stock market index, such as the S&P 500. IUL policies provide the potential for higher returns compared to whole life, with the added benet of a oor to protect against market losses. is exibility makes IUL an attractive choice for those looking to build wealth while ensuring long-term nancial security.By Brother Dr Odell GravesBrother Dr. Odell A. GravesInvestment Advisor RepresentativePrimerica(513) 550-1683 Ograves@primerica.comWhen it comes to nancial planning, many people often think of investments and retirement accounts but fail to recognize the importance of life insurance. Or when times get hard nancially, it is the rst thing they may consider cancelling. However, life insurance is a cornerstone of any sound nancial plan, providing security and peace of mind for you and your loved ones. It ensures that nancial obligations are met in the event of unexpected loss, supporting everything from daily living expenses to long-term goals like education or retirement. Without it, the deceased is leaving the burial costs, averaging $8 - $10K in this area, more in other areas, as well as other debts and obligations to their surviving loved ones. Being a burden in death is not a memory anyone should want their loved ones to have of them. Among the various types of life insurance, whole life, term life, and indexed universal life (IUL) stand out as popular options, each serving unique needs and circumstances.The 4th District Chronicle/Winter 202541

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By Brother Ronald JacksonWhy Is Insurance Planning Necessary to Close the Wealth GapWorking individuals or those deemed less wealthy need to understand that life insurance is a bridge to closing the wealth gap. “I find that in the Black community, there is a disproportionate amount of life insurance purchased than in the White community, states Ronal Jackson Financial Services Professional with NYLife Securities LLC and New York Life.” He states that, when I was young in the business, a White colleague stated to me, “Your people look at life insurance differently than most of us. Your people look at life insurance as “death insurance”, we look at life insurance as “wealth insurance”. My colleague then stated to me that they don’t look at insurance as benefiting from someone’s death, but as a normal way to build generational wealth. He said that y’all just get enough to bury others. That was an eye-opener for me.Whatever the reason for not purchasing insurance should be the reason to purchase life insurance. You don’t want to leave your family destitute. You should want to leave a legacy to not only make them hold but to have an abundance so that their standard of living stays the same or they are put in an even better financial position. Whatever the goals and objectives for the family kids don’t have to get dismissed because there wasn’t enough. They should still be able to reach their goals and objectives with more left over.Life insurance is one tool that can help to close the “wealth gap”, you just need to know what type is needed. Look into the coverage that you have and then determine if more coverage is needed. Secondly, get help in determining whether a Term of Cash Value policy is for you or not.Since that time, I along with my Black colleagues have been on a mission to educate our community about the importance of life insurance and the many ways it can benefit a person and their family. For example, when you think of insurance planning, we look at a term called, “Human Life Value!” That is looking at how much a person makes and starting there to determine how much insurance is needed. Let’s say a husband makes an annual salary of $50,000 and is 40 years old. He plans on retiring at age 65 and has a wife and two(2) kids. Take the income of $50,000 and then multiply it by the number of years to retirement (65 – 40 = 20). That would be $50,000 (x) 20 which equals a $1,000,000 life insurance death benefit. Why is that? Because if the husband were to die at age 40, his family would be missing out on $50,000 worth of income for the next 20 years until he retired. There would be other costs to add to this that would increase the amount of coverage, but this is to get to the point. Most people are underinsuring themselves and not leaving enough for the ones they leave behind.A lot has been written in recent years about America’s so-called “wealth gap” and what can be done to narrow it. But new research indicates that when it comes to life insurance, the gap is even more significant.In a July 2021 paper for the National Bureau of Economic Research, two economists from the University of North Carolina took a deep dive into the economics of life insurance and reached a startling conclusion: wealthier people,even after adjusting for many variables, made more use of life insurance than the less wealthy.The duo looked at administrative data for more than 63,000 individuals over a four-year period. Just under half of those people had life insurance. Their working theory—which was contradicted by the research—was that wealthier people could be expected to buylessinsurance, simply because they could self-insure through savings instead.In fact, the opposite was true. The economists, Michael Gropper and Camelia Kuhnen, wrote that “Whether we measure wealth by the value of financial assets, or by the value of the homes individuals own, we find that life insurance coverage as well as property insurance coverage increases with wealth, controlling for the value of the insured asset.”2 By their estimate, for every $1 increase in someone’s financial wealth, there was a 68-cent increase in the amount of their term life insurance coverage limit.Ronald Jackson rjackson1@ft.newyorklife.com 937-416-9406The 4th District Chronicle/Winter 202542

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Daryl S. Cameron32nd Fourth District RepresentativeBro. Daryl S. Cameron, the 32nd Fourth District Representative, was initiated into this esteemed Fraternity on Saturday, March 26, 1988, through the Zeta Pi Chapter in the Second District. He was recruited as a defensive back to play football at Edinboro University of Pennsylvania. During his sophomore year, he switched positions to wide receiver, where he became a three-year starter and team captain in his senior year. Bro. Cameron graduated with a Bachelor of Science in Business Administration..After graduation, he relocated to Philadelphia, Pennsylvania, joined Omega Lambda Chapter, and was recruited by Eveready Battery Company. Bro. Cameron was later transferred to the company's plant in St. Albans, Vermont, where he served as an operations manager, responsible for production output for the entire plant.Bro. Cameron left Eveready Battery Company to start his career in banking with KeyBank National Bank. Throughout his tenure at KeyBank, he held several positions, including credit analyst, portfolio manager, and vice president of commercial banking. He then accepted a position at Wells Fargo National Bank as a Relationship Manager and Vice President of Commercial Banking, overseeing Middle Market companies with annual revenues ranging from ten million to ﬁve hundred million dollars. After that, he joined Huntington National Bank and was quickly promoted to Senior Vice President of Commercial Banking, managing a Middle Market portfolio of over one hundred ﬁfty million dollars, which included both privately and publicly traded companies with annual revenues of ﬁfty million dollars and above. Currently, Bro. Cameron works at Farmers National Bank as a Senior Vice President of Commercial Banking, focusing on growing the bank’s commercial division. He also serves on the Board of Directors for Summa Health.By Brother Dr Christopher K Welch31st 4th District RepresentativeWhile working for KeyBank, Bro. Cameron was transferred to Ohio, where he became a charter member of the Kappa Tau Chapter in Canton. He later relocated to Youngstown, Ohio, where he is a member of the Psi Omicron Chapter. He has held several positions within Omega, including Vice Basileus, Basileus of Psi Omicron Chapter, Fourth District CEF Chair, District Keeper of Finance, First Vice District Representative, and was elected the 32nd District Representative in 2015. Currently, he serves on the International Grand Tribunal for the fraternity.In addition to his fraternity commitments, Bro. Cameron has participated in various community boards, serving as Board Chair of Mercy Health Hospital, Board Chair of the Mercy Health Foundation Board, Vice Chair of Life Skills Chartered School in Youngstown, and Board Member of United Way of Youngstown. He is an active member of Union Baptist Church in Youngstown, where he serves as a Trustee and is part of the Brotherhood Ministry that mentors other Black men in the church.Bro. Cameron is married to Dr. Sherri Lovleace-Cameron, a retired chemistry professor at Youngstown State University and a member of Delta Sigma Theta Sorority. Dr. Lovleace-Cameron runs a company called STEM IS US, which introduces children to STEM (Science, Technology, Engineering, and Mathematics). Together, they have one daughter, Khala Cameron, who resides in Baltimore, Maryland, works in the medical ﬁeld, and is also a member of Delta Sigma Theta Sorority.The 4th District Chronicle/Winter 202543

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Juvenile life insurance: A unique option for securing yourchild’s/grandchild's financial future.Agency PrincipalMidwest Regional Insurance & Financial Services LLCAs a life insurance professional, I’d like to shed some light on the juvenile life insurance policy, a unique option for securing a child's financial future. A juvenile life insurance policy is a permanent life insurance policy purchased for a minor. It's an ideal way for parents or grandparents to provide lifelong coverage with premiums that remain fixed throughout the policy's duration. Let's break down its key features and the benefits they oﬀer to consumers.Low Cost: One of the primary advantages of juvenile life insurance is its aﬀordability.Premiums are generally lower compared to those for adults because young, healthy children present minimal risk to insurers. This means families can lock in a low rate early on, ensuring cost-eﬀective coverage for life.Guaranteed Insurability: Another critical feature is guaranteed insurability. This means that, regardless of any future health issues, the child will always have the option to purchase additional coverage without needing to undergo medical exams. It’s a powerful safeguardagainst unforeseen health changes that could make obtaining life insurance diﬀicult or expensive in the future.Accelerated Death Benefit: The policy may also include an accelerated death benefit rider. This allows a portion of the death benefit to be accessed early if the insured child is diagnosed with a terminal illness. It provides financial support during challenging times, helping to cover medical expenses or other urgent needs. 10-Pay Payment Option: Additionally, a 10-pay payment option allows the policyholder to pay oﬀ the entire premium in just 10 years. After this period, the policy remains in force without any additional payments required. This option is particularly appealing as it ensures lifelong coverage with a finite payment period, oﬀering peace of mind and long-termfinancial security.In conclusion, juvenile life insurance policies combine low cost, guaranteed insurability, and accelerated death benefits with flexible payment options, making them an excellent investment in a child's future.8055 Cincinnati Dayton RoadWest Chester, Ohio 45069T: (513) 825-3800F: (513) 825-3855By Brother Eric ThompsonEric S. Thompson SrThe 4th District Chronicle/Winter 202544

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Property and Casualty Insurance: A Safety Net for Your AssetsBy Brother Eric ThompsonWhen life throws unexpected challenges our way, property and casualty insurance steps in as the unsung hero, oﬀering ﬁnancial protection and peace of mind. As an insurance professional, I can attest to the importance of understanding these coverages and how they beneﬁt you, the consumer. Let's delve into the most common types of property and casualty insurance and explore their signiﬁcance in safeguarding your assets. Property Insurance:Property insurance is designed to protect your physical assets, such as your home, personal belongings, and business properties, from various risks. Here are the key coverages:1. Homeowners Insurance:Homeowners insurance is perhaps the most familiar type of property insurance. Itprovides coverage for damages to your home and personal property due to perils likeﬁre, theft, vandalism, and natural disasters (excluding ﬂoods and earthquakes, whichrequire separate policies). Additionally, it oﬀers liability protection in case someoneis injured on your property and decides to sue you. The beneﬁt to consumers is clear:homeowners insurance helps you rebuild or repair your home and replace lostbelongings, ensuring you aren't left ﬁnancially devastated after an unfortunate event.2. Renters Insurance:While renters don’t own their living space, their personal belongings still holdsigniﬁcant value. Renters insurance covers personal property within a rentedapartment or house against risks such as theft, ﬁre, and water damage. Additionally,it provides liability coverage if someone is injured in your rented space. Thisaﬀordable coverage ensures that renters can recover ﬁnancially from unforeseenlosses without breaking the bank.3. Commercial Property Insurance:For business owners, commercial property insurance is crucial. It covers the physicalassets of a business, including buildings, equipment, inventory, and furniture, againstrisks like ﬁre, theft, and vandalism. This coverage allows businesses to quicklyrecover and resume operations after a loss, minimizing downtime and ﬁnancialimpact. For consumers, this means businesses can maintain continuity and continueto provide products and services.The 4th District Chronicle/Winter 2025CONTINUED ON NEXT PAGE45

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Property and Casualty Insurance: A Safety Net for Your AssetsCasualty Insurance:Casualty insurance, on the other hand, focuses on liability coverage, protecting individuals and businesses from legal responsibility for injuries or property damage to others. Here are the key coverages:1. Auto Insurance:Auto insurance is mandatory in most states and includes several types of coverage. Liability coverage pays for damages and injuries you cause to others in an accident. Collision coverage pays for damage to your vehicle resulting from a collision, and comprehensive coverage protects against non-collision events like theft, vandalism, and natural disasters. For consumers, auto insurance ensures that you can cover the costs of accidents and repairs, protecting both your ﬁnances and your legal standing.2. General Liability Insurance:Businesses, large or small, need general liability insurance to protect against claims of bodily injury, property damage, and personal injury (such as slander or libel) that may arise from their operations. This coverage helps businesses cover legal fees, settlements, and medical expenses, allowing them to operate without fear of crippling lawsuits. For consumers, general liability insurance means businesses are more likely to take responsibility for accidents and injuries, promoting safety and accountability.3. Workers' Compensation Insurance:This coverage is essential for businesses with employees. It provides beneﬁts to employees who suﬀer work-related injuries or illnesses, covering medical expenses, lost wages, and rehabilitation costs. Workers' compensation insurance not only supports employees during recovery but also protects employers from costly lawsuits. Consumers beneﬁt from a more stable and supported workforce, which can lead to better products and services.In conclusion, property and casualty insurance serve as vital safety nets in our personal and professional lives. By understanding these coverages and their beneﬁts, consumers can make informed decisions to protect their assets, health, and ﬁnancial well-being. Whether it's your home, car, business, or personal liability, having the right insurance coverage in place ensures you can weather life's storms with conﬁdence and resilience.Eric S. Thompson, Agency PrincipalMidwest Regional Insurance & Financial Services8055 Cincinnati Dayton RoadWest Chester, Ohio 45069T: (513) 825-3800F: (513) 825-3855The 4th District Chronicle/Winter 202546

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UNDERSTANDING 529 PLANS AND COVERDELL EDUCATION SAVINGS ACCOUNTS (ESA)As a ﬁnancial professional, I often encounter clients seeking the most eﬀective ways to save for their children’s education. Two popular options are the 529 Plan and the Coverdell Education Savings Account (ESA). While both accounts oﬀer tax advantages and serve to facilitate education savings, they have distinct features that cater to diﬀerent needs.529 PlansA 529 Plan, named after Section 529 of the Internal Revenue Code, is a tax-advantaged savings plan designed to encourage saving for future education costs. There are two types of 529 plans: prepaid tuition plans and education savings plans. Prepaid tuition plans allow you to purchase credits at participating colleges and universities for future tuition expenses, essentially locking in current tuition rates. On the other hand, education savings plans are investment accounts that can be used for qualiﬁed education expenses, including tuition, room and board, and books, at most accredited institutions.Key Features and Beneﬁts:Tax Advantages: Contributions to a 529 plan are made with after-tax dollars, but the earnings grow tax-free. When the funds are withdrawn for qualiﬁed education expenses, they are not subject to federal income tax.High Contribution Limits: Unlike Coverdell ESAs, 529 plans have relatively high contribution limits, which vary by state but can exceed $300,000.State Tax Deductions: Many states oﬀer tax deductions or credits for contributions to a 529 plan.Flexibility: The beneﬁciary of a 529 plan can be changed to another qualifying family member if the original beneﬁciary does not need the funds.Control: The account owner maintains control over the funds, even after the beneﬁciary reaches legal age. These features make the 529 plan an excellent choice for families planning for substantial education costs, oﬀering both ﬂexibility and signiﬁcant tax advantages.By Brother Eric ThompsonThe 4th District Chronicle/Winter 2025CONTINUED ON NEXT PAGE47

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UNDERSTANDING 529 PLANS AND COVERDELL EDUCATION SAVINGS ACCOUNTS (ESA)Education Savings Accounts (ESAs)A Coverdell ESA is another tax-advantaged savings account designed speciﬁcally for educational expenses. It allows families to save for K-12 education expenses, as well as higher education costs,making it more versatile than a 529 plan, which typically focuses on post-secondary education.Key Features and Beneﬁts:Tax Advantages: Similar to 529 plans, contributions to a Coverdell ESA grow tax-free, andwithdrawals for qualiﬁed education expenses are also tax-free.Wide Range of Expenses: Coverdell ESAs can be used for a broader range of education expenses, including tuition, books, supplies, and even tutoring and special needs services.Contribution Limits: Contributions are limited to $2,000 per year per beneﬁciary, which is lower than 529 plans. However, this can be suﬃcient for many families, particularly those saving for K-12 education.Income Limits: There are income restrictions for contributors to a Coverdell ESA, which do not apply to 529 plans.Investment Flexibility: Coverdell ESAs often oﬀer more investment options compared to 529 plans, including stocks, bonds, and mutual funds.Key DiﬀerencesWhile both 529 plans and Coverdell ESAs oﬀer tax advantages for education savings, several key diﬀerences might inﬂuence a family's choice:Contribution Limits: 529 plans have higher contribution limits compared to the $2,000 annual limit for Coverdell ESAs.Usage Flexibility: Coverdell ESAs can be used for a broader range of educational expenses,including K-12, while 529 plans are more focused on post-secondary education.Income Limits: Only Coverdell ESAs impose income limits on contributors.State Tax Beneﬁts: 529 plans often provide state tax deductions or credits, which Coverdell ESAs do not.Ultimately, the choice between a 529 plan and a Coverdell ESA depends on the speciﬁc needs and ﬁnancial situation of the family. Understanding these options helps ensure that the chosen savings strategy aligns with their educational goals and ﬁnancial planning objectives.Eric S. Thompson, Agency PrincipalMidwest Regional Insurance & Financial Services8055 Cincinnati Dayton RoadWest Chester, Ohio 45069T: (513) 825-3800F: (513) 825-3855The 4th District Chronicle/Winter 202548

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ON THE YARDMy Journey of Public Service and GrowthAThe 4th District Chronicle/Winter 2025By Brother Miles Rice 51

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ON THE YARDEta Gamma chapter teams with the women of the Beta Xi chapter of Alpha Kappa Alpha Sorority, Inc.,to host an impactful V.R.E.M eventBy Brother Jonathon FosterOn October 20th, 2024, the men of the Eta Gamma chapter of the Omega Psi Phi Fraternity, Inc. teamed with the women of the Beta Xi chapter of Alpha Kappa Alpha Sorority, Inc., to host an impactful voter education and mobilization event on the campus of Central State University.The objective of this collaborative initiative was to inform students about signiﬁcant legislative matters with emphasis on a citizen initiated amendment to the Ohio Constitution to establish a Legislative Redistricting Commission, and a general assessment of the backgrounds of various candidates.In fostering understanding of the signiﬁcant role civic engagement plays in governance, greek organizations are committed to empowering individuals by educating them about their voting rights and responsibilities. The team emphasized the importance of being well-informed decision-makers rather than blindly endorsing speciﬁc candidates. By providing comprehensive facts and unbiased information, the team sought to foster a sense of agency among voters, enabling them to conﬁdently cast ballots.The brothers of Eta Gamma extend heartfelt gratitude to the ladies of Beta Xi for their enthusiastic support and collaboration in organizing this event. Additionally, Eta Gamma thanks all of the students who attended and contributed to the success of our e�forts. Their engagement and willingness to learn was instrumental in shaping a more informed and active electorate. We can make a di�ference in our communities through informed voting.The 4th District Chronicle/Winter 202552

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The 4th District Chronicle/Winter 2025CONTINUED ON NEXT PAGEON THE YARDThe Pearl LineZeta Sigma Fall 2024In September 2018, Omega Psi Phi had not been active in Southern West Virginia since the mid-1990s. During Concord University’s Homecoming, older brothers who had been initiated into the fraternity in Southern West Virginia gathered. Conversations during the festivities focused on reactivating the undergraduate chapter, Zeta Sigma. The brothers recognized the importance of reactivating the Chi Alpha Chapter, the graduate chapter located in Bluefield, West Virginia, to support and sustain Zeta Sigma.In November 2018, Chi Alpha was successfully reactivated as a virtual chapter with 13 members. Despite skepticism from brothers nationwide who believed the task was impossible, the initiative gained momentum, largely due to the confidence and support of Brother Elder Bobby Robinson, the 33rd 4th District Representative. United in purpose, the brothers celebrated their achievement in overcoming the odds. They noted, “It couldn’t be done,” but as they began to sing, they tackled the challenge and succeeded.By Fall 2020, Chi Alpha initiated its first member, Brother William King, a teacher at Bluefield Middle School. In Spring 2021, the chapter welcomed Brother Rod Howard, a football coach, and Brother Charles Turner-Cox, a football player, both from Bluefield University.May 16, 1936ZETA SIGMA Bluefield StateBluefield UniversityConcord University54

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The Pearl LineZeta Sigma Fall 2024The brothers initiated conversations with school administrators at Blueﬁeld State University, Blueﬁeld University, and Concord University, organizing "Meet the Men of Omega" events. The fraternity began to expand signiﬁcantly in Fall 2021, with three new members at Blueﬁeld University: Brother Darryl Patrick, Brother Marek Banks, and Brother Mykkel Banks. In Fall 2022, additional members joined, including Brother Kelly Thelusme and Brother George Payne at Blueﬁeld University, along with Brother Reggie Redman at Blueﬁeld State University. Fall 2023 saw a signiﬁcant inﬂux of new members, including Brother Renaldre Hodges, Brother Stacy Wilson, Brother Harold Griﬃn, and Brother Brendan Nunnally at Blueﬁeld University, as well as Brother TJ Gunter, Brother Leondre Johnson, and Brother Myles Rice at Blueﬁeld State University.Fall 2024 marked a milestone with The Pearl Line, which celebrated the initiation of 20 brothers since Zeta Sigma’s reactivation in 2021. This line included Brother Caleb Roofe, Brother Samba Jah, Brother Eric Tunstall, and Brother Joel Hutchinson from Blueﬁeld State University, along with Brother Jaquan Ebron and Brother Donavon Martin from Blueﬁeld University, and Brother TJ Finney from Concord University.The growth of Zeta Sigma has been impressive. This growth is evident not only in membership numbers but also in the contributions made on campus and within the Blueﬁeld community. Zeta Sigma is committed to pursuing growth and progress in the years to come.The 4th District Chronicle/Winter 202555

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Upsilon Week of Upli By Brother Tayshawn GainesON THE YARDBetween October 21 - October 24th The Brothers of Upsilon Chapter hosted their 2nd Omega Week. The week with their 2nd annual mental health awareness meeting. In attendance were fellow chapter brothers as well as students throughout Wilberforce University campus came and dwell in unity on Monday October 21, 2024. The topics of discussion for the event were “Mental Health Check” at mid semester, and “How are you Handling Stress and Anxiety”, and lastly, “How to Plan for Better Mental Health Awareness.” With Bro.Zach Green leading the discussion speaking on key points such as making better food choices to improve mental health. The event was successful with 25 male and female participants with different views of life undergoing the daily struggles or uplifting events in transition of a young adult pursuing a higher education. On Tuesday, October 22, 2023, the young men of Upsilon chapter hosted a ﬁnancial literacy workshop. In partnership with the ﬁnancial advisor of New York Life Insurance Company and Delta Alpha Dayton Graduate chapter Bro.Ronald Jackson as the guest speaker. He discussed his ﬁnancial journey with us from the time when he ﬁrst entered college to launching his ﬁrst venture into the entrepreneurial world. He encouraged young brothers to “take control of their ﬁnances now so it can work for you later”. Brother Jackson also highlighted the importance of instilling conﬁdence in your own capabilities and talents quoting “your conﬁdence is your brand.” Three key points that were discussed were budgeting money, relationship building, and ﬁnancial investment planning. Lastly, Bro Jackson left us with business cards for future networking and internship opportunities for young college students.On Wednesday, October 23, 2024. the young men from Upsilon chapter successfully completed the 2nd annual suit drive for college men achieved by soliciting donations of suits from Dayton Graduate chapter, Delta Alpha. The event was impactful due to the donation of men's suits jackets, dress pants/slacks, dress shoes, and shirts as well as belts. With this incredible support we were able to supply more than 10 young college students with professional and luxury dress clothes. Achieving those results, we are making an impact on student development and character enrichment in the classrooms every semester. On Thursday, October 24, 2024, Upsilon chapter hosted an Omega Bootcamp event focusing around the promotion of physical health and ﬁtness for students. The boot camp participants engage in exercises including cardio, core strength training, and endurance strengthening exercises. The brothers advised participants that staying aware of your body and overall physical health is vital in life-fostering health beneﬁts like healthy food choices, daily exercise activities, and overall self care of the body. With this Omega Bootcamp program, we were able to provide exercise sessions and daily health promotion to our fellow students and faculty, building the bridge to better health awareness in young adults. The 4th District Chronicle/Winter 202556

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The WeirKickz ProjectThe WeirKickz Project is something my father, Tommy Rice, and I created out of a shared desire to make a positive impact in our community. As the president, I oversee our efforts, while my dad, a 1988 initiate of Omega Psi Phi through the Kappa Beta chapter, serves as vice president. We wanted to give back to Weirton, West Virginia, where I grew up, and show that no matter your age, you can create change. Being an entrepreneur major and political science minor, public service is something I see myself doing for the rest of my life. This project was a great start for me at just 20 years old.In our first summer, we raised $500 through a t-shirt raffle, and we used that money to kick off several community-focused projects:• We did a park cleanup in downtown Weirton, where we collected five bags of trash and took time to landscape the area as well.• We donated four bags of pet food and toys to a local animal rescue shelter.• Our clothing drive was especially important to me because my dad is a disabled Marine who receives care at the Veterans Affairs hospital in Pittsburgh. We noticed a need for clothing, so we collected and donated approximately 12 bags filled with over 200 garments, shoes, and accessories.• We also saw a need for food, especially among students on my college campus. Our food drive collected 196 items to support those facing food insecurity.We’ve documented our efforts on social media through Instagram and Facebook to spread the word and encourage others to get involved. As my dad says, "Community service has always been a part of our family values. I’ve always believed in leading by example, and seeing Myles step up in this way makes me proud. WeirKickz is just the beginning."I couldn’t agree more. The WeirKickz Project isn’t just a summer initiative—it’s here to stay. We recently donated to hurricane relief efforts and are already planning for future events when I return home for winter break and next summer. I know that 2024 is going to be even bigger and better. A Legacy of ServiceOTYThe 4th District Chronicle/Winter 2025By Brother Miles Rice57

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Brother Lamar T. Cole, 34th Fourth District Representative, and current Vice President of Huntington National Bank. Brother Cole began his ascent in the ﬁnancial service world following his graduation from the University of Cincinnati, where he earned a Bachelor's Degree in Marketing and Management in 1994. Following graduation, Brother Cole was blessed to begin his career in the banking industry when he became an Assistant Vice President of KeyBank in Cleveland, Ohio. While working to climb the corporate ladder, Brother Cole knew the importance of standing out from the rest; hence, he pursued and earned a Master in Business Administration (MBA) specializing in Banking and Finance in 2008 from Case Western Reserve University. In 2013, Brother Cole accepted a position at Huntington National Bank and has remained there until the present.Brother Cole’s contributions to the Business Banking world have been paramount for the past 30 years. He shares the same expertise and relational care to his start-up clients, as he does to his multi-million dollar clients. Brother Cole understands everyone has to start somewhere, and he has the business acumen to strategically get clients to the next level. This goes to Brother Cole’s character. He is the epitome of, “lifting as we climb.” Which is how he has served Omega. From ﬁrst being appointed audit chair, then serving as North East Ohio Area Representative, was asked to work on the Brother Bobby McDowell Budget and Finance Committee (which Brother Cole now chairs), became Basileus of Zeta Omega Chapter, elected four times as District Keeper of Finance, elected First Vice District Representative twice (and was the best ever, though the author of this article is biased), and in 2019 was elected the 34th Fourth District Representative. LAMAR T. COLE 34th Fourth District Representative By Brother Edlder Bobby RobinsonBrother Cole was the intellect behind the Fourth District Investment Policy, the Fourth District Life Membership, and the international partnership with the AIDS Health Care Foundation. Brother Cole has taught countless Keeper of Finances throughout the Fourth District and the Fraternity. He is always looking for ways to enhance systems, make Brothers better, and uplift communities through strategic alliances.Brother Cole also lives by the ﬁnancial principles he has mastered and encourages others to have multiple streams of income. Brother Cole is a real estate investor and basketball and football referee. However, it would not be Brother Cole if he was not giving back; therefore, he coaches Little League sports as a volunteer. Brother Cole has impacted multitudes in a positive manner, he has changed the trajectory of businesses small and great, uplifted Chapters in Omega, catapulted the Fourth to a level of excellence as the baseline, and continues to be part of the ﬁnancial brain trust for Omega. With all of Brother Coles’ accomplishments and accolades; they all are in a distant second to his love for his cherished wife Lisa, and amazing son Tillman. Lamar understands being raised in a Christian home; you keep God ﬁrst, family second, then everything else will proverbially fall in place. Brother Cole: the ﬁnancial guru, banker extraordinaire, generational wealth creator, strategic alliance infopreneur, passionate community uplifter, outstanding husband, phenomenal father, and to all Omegas… an amazing friend! Keep Striving Brother Lamar T. Cole, we love and appreciate you.The 4th District Chronicle/Winter 202558

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Why Do I Need a Will?A will is a legal document that serves as your voice when you can no longer convey your wishes. It outlines the distribution of your assets and estate after your passing, providing clarity and security for both you and your loved ones. Here are several essential aspects of a will that highlight its importance and functionality:Prevents Disputes: One of the significant benefits of having a will is its potential to mitigate disputes among family members regarding the distribution of your assets. Without a will, your family could be left guessing about your final wishes, leading to disagreements and conflicts that could strain relationships. A clear and well-drafted will helps to uphold family harmony even after your passing.Key Benefits of Having a Will:Protects Your Loved Ones: A will plays a vital role in ensuring that your assets are distributed according to your personal wishes, rather than default state laws that may not align with what you intended. This personal oversight can significantly reduce financial burdens and complications that might arise for your heirs, allowing them to focus on grieving rather than navigating legal hurdles.Names Guardians for Dependents: If you have minor children, a will allows you to designate a guardian who will be responsible for their care in the unfortunate event that both you and the other parent pass away. This decision is critical and ensures that your children are cared for by someone you trust, potentially safeguarding their well-being and stability during a diﬀicult transition.Includes Funeral Arrangements: A will provides the opportunity to specify your preferences regarding funeral arrangements. Whether you wish for a simple ceremony or a larger celebration of life, outlining these desires can alleviate decision-making stress for your family during their time of grief.The Importance of Regularly Updating Your Will:Having a will is not a one-time task; it is essential to review and update it during significant life changes. Major events, such as marriage, divorce, childbirth, or purchasing a new home, often necessitate revisions to ensure that your will truly reflects your current circumstances and intentions. As you enter retirement or face health challenges, maintaining an up-to-date will becomes even more critical. It guarantees that your personal and financial aﬀairs are managed according to your wishes, minimizing potential complications for your loved ones.In summary, a will is much more than just a legal formality—it is a vital planning tool that oﬀers invaluable peace of mind for both you and your family. A well-structured will can provide security, clarity, and guidance in a time of uncertainty, ensuring that your loved ones are cared for and your wishes are honored. To navigate the complexities of creating a will, it is advisable to consult with a legal expert who can help craft a will that accurately reflects your current situation and desires. Taking this proactive step is an essential part of responsible financial planning and can profoundly impact the lives of those you leave behind.By Brothers Reg Adams and Jason Ward The 4th District Chronicle/Winter 202560

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Long-term care insurance is an important financial product that can significantly improve your quality of life in later years. As I care for my elderly grandfather, I have realized how essential it is to be prepared for future care needs. Here are a few key reasons to consider long-term care insurance for peace of mind and financial security:Protecting Your Life SavingsLong-term care can be exceptionally costly, with expenses that can quickly accumulate. Traditional health care coverage, such as Medicare, generally does not cover long-term care services. This gap in coverage means that without insurance, many individuals may find themselves depleting their hard-earned life savings to pay for necessary care. By having long-term care insurance, you can help ensure that you have the financial resources to pay for the care you need without risking your financial stability. This enables you to preserve your assets for your inheritance or other future financial goals. Maintaining Your IndependenceOne of the significant advantages of long-term care insurance is that it provides you with the flexibility to choose where you receive your care. Whether you prefer receiving assistance in the comfort of your own home or a specialized facility, having insurance coverage gives you more options and control over your living situation. This autonomy can significantly contribute to maintaining your sense of dignity and independence as you age. Reducing Financial Pressure on Family Members Long-term care can place a substantial financial burden on family members who might otherwise have to provide financial assistance or care. With long-term care insurance, you can alleviate this pressure by ensuring that your care needs are met through insurance coverage rather than relying on your loved ones. This not only protects your financial well-being but also helps preserve familial relationships by reducing stress and potential conflict over caregiving responsibilities.Complementing Other Financial Strategies Long-term care insurance is not meant to stand alone; it can be an integral part of a broader financial strategy. It can work alongside other financial instruments such as retirement savings accounts, Health Savings Accounts (HSAs), and even life insurance policies. By integrating these resources, you can develop a comprehensive plan that addresses various financial needs and goals as you age, helping to ensure greater financial security. Brother Jason Ward 4th Districtt Director of Public RelationsThe Importance of Long-Term Care InsuranceThe 4th District Chronicle/Winter 2025CONTINUED ON NEXT PAGE61

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Reducing Financial Pressure on Family Members Long-term care can place a substantial financial burden on family members who might otherwise have to provide financial assistance or care. With long-term care insurance, you can alleviate this pressure by ensuring that your care needs are met through insurance coverage rather than relying on your loved ones. This not only protects your financial well-being but also helps preserve familial relationships by reducing stress and potential conflict over caregiving responsibilities.Difficulty Managing Basic Needs: If you frequently struggle to cover fundamental expenses like utilities, food, and medicine, investing in long-term care insurance might exacerbate financial challenges rather than alleviate them.Health and Eligibility Concerns: Additionally, insurers can deny coverage or impose limitations on benefits for individuals with preexisting conditions or those who do not meet specific medical underwriting criteria. It’s crucial to assess your health status and discuss your options with a knowledgeable financial advisor or insurance broker.By weighing the benefits against your individual circumstances, you can make an informed decision about whether long-term care insurance is a prudent addition to your financial strategy.When Long-Term Care Insurance Might Not Be SuitableWhile long-term care insurance can be beneficial, it is not the right choice for everyone. Here are some circumstances where you may want to reconsider:Affordability of Premiums: If the premiums for long-term care insurance are not feasible within your budget, it may lead to financial strain. You should avoid committing to a policy that you cannot afford in the long term.Limited Assets: If your financial situation is constrained, or you have limited assets, the potential benefits of a long-term care insurance policy may not be justifiable, especially if you qualify for other forms of assistance.Dependence on Limited Income: Individuals who rely solely on Social Security or Supplemental Security Income (SSI) may find that the costs of long-term care insurance could be prohibitive, detracting from funds needed for everyday expenses.The Importance of Long-Term Care InsuranceThe 4th District Chronicle/Winter 202562

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FUNERALPREPLANNING YOURBY BROTHERS JASON LUCAS & JASON WARDThe 4th District Chronicle/Winter 2025Preparing for your funeral is an essential step that can have a profound impact on both your life and the lives of your loved ones. By planning ahead, you ensure that your wishes regarding your ﬁnal arrangements are clearly documented and understood. This proactive approach alleviates the emotional stress on your family during an already difﬁcult time and empowers them to focus on what truly matters: grieving and supporting each other.One of the primary beneﬁts of pre-planning your funeral is the reduction of family stress. When you outline your preferences for the service, burial, or cremation, your loved ones are relieved from making tough decisions while they navigate their grief. Instead of being burdened by uncertainty, they can honor your memory in a way that aligns with your wishes.Additionally, pre-planning can effectively minimize potential conﬂicts among family members. Funerals can be a time of heightened emotions, and disagreements can easily arise over details like service preferences or ﬁnancial responsibilities. By clearly expressing your wishes ahead of time, you help to mitigate any misunderstandings, ensuring that everyone is on the same page and can focus on celebrating your life.Furthermore, ﬁnancial planning plays a signiﬁcant role in the pre-planning process. By making your arrangements in advance, you can set aside funds for your funeral expenses, which can save your family money in the long run. This consideration helps ease the ﬁnancial burden that can accompany unexpected funeral costs, allowing your loved ones to focus on honoring your memory rather than worrying about ﬁnances.Ultimately, knowing that all aspects of your funeral are taken care of provides invaluable peace of mind. It brings comfort, allowing you to contemplate your legacy and the memories you leave behind. This sense of closure can be reassuring both for you and your family, knowing that your ﬁnal goodbye will be just as you envisioned it. By taking the time to prepare, you can ensure that your wishes are honored and that your loved ones are supported during a challenging time.63

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Delta Alpha Achievement Week 2024Gem City Ques Serving the Community and Celebrating MilestonesFounded in 1921, Achievement Week stands as the Omega Psi Phi Fraternity's original and enduring community service initiative. Celebrated annually during the November 17th Founders Day, Delta Alpha has thoughtfully crafted a series of programs to highlight the edict of service while making space for valuable fellowship amongst the brotherhood.On Friday, November 8th, DA kicked off the annual Achievement Week by making a special donation of 45 winter coats to Louise Troy Elementary School students in need. The school is led by Principal Bro. Chaney Goode 2-MX-98. This activity was part of the Coats for Kids initiative in which the brothers have set the goal of donating 500 coats to children in need across the Miami Valley.Also on November 8th, the brothers partnered with Goodwill Easter Seals in Trotwood, Ohio for the “All Club” programming where the brothers hosted a Hydraulic Lift STEM activity using Pascal’s theory to build a scissor lift. The brothers, led by Bro. Dr. Lionell Pittman, guided 10 students in the activity as part of the STEM initiatives led by the chapter. On Saturday, November 9th, Delta Alpha hosted the first Achievement Week Banquet in the Fourth District at Sinclair College in Dayton, Ohio. The event featured a keynote speech from Grand Keeper of Records and Seals, Bro. LTC “RET” Sherman Charles. The event was an overwhelming success.The 4th District Chronicle/Winter 2025By Brother Ashton HoodCONTINUED ON NEXT PAGE66

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Delta Alpha Achievement Week 2024Gem City Ques Serving the Community and Celebrating Milestoneshr@mildonilogisticsco.site.comMildonilogisticsco.site.comOn Sunday, November 10th, 2024, the Brothers attended an outstanding church service at Mt. Enon Missionary Baptist Church located in Dayton, OH, under the leadership of Pastor Cory J. Pruitt. DA brothers actively engaged in prayer and reflection during the service, fostering a strong sense of community, fellowship, and support. As part of their commitment to development, the Brothers presented a cash donation of $500.00 to Mt. Enon Baptist Church. Notable chapter award winners included Brother Jason Ward (Omega Man of the Year), Brother Brandon Hawthorne (BG. Charles Young Military Leadership Award), Brother Dr. Lionel Pittman (Superior Service Award), Brother Emmitt Orr (Founder’s Award), and Sister Jacqueline Gamblin (Citizen of the Year). The Achievement Week Banquet served as a memorable and inspiring celebration, reinforcing the values and achievements of Omega Psi Phi within the Delta Alpha chapter. On Monday, November 11th, Delta Alpha celebrated Past Basilei Night at the residence of Brother Eric Stephens. This event served as a reflective and celebratory occasion to honor and acknowledge the previous leaders of Delta Alpha. The event featured speeches and expressions of gratitude for the dedication and service of past DA leadership. It offered brothers an opportunity to connect with the organization's history, fostering a sense of continuity and unity within the chapter. Past Basilei Night is an annual tradition honoring the legacy and leadership of those who have guided the chapter to its present glory. The 4th District Chronicle/Winter 2025CONTINUED ON NEXT PAGE67

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Mu Chi Chapter Hosts Memorable Achievement Week BanquetWILBERFORCE OHBy Brother Dr Odell A GravesThe Mu Chi Chapter of Omega Psi Phi Fraternity, Inc. capped oﬀ a week of meaningful activities with its annual Achievement Week Banquet on November 16, 2024, at Hope Hotel and Conference Center in Fairborn, OH. This family-oriented event brought together chapter members, community leaders, and families to celebrate accomplishments and strengthen community bonds.The banquet was the culminating event of a week-long series of activities designed to promote fellowship, service, and reﬂection. The week included:• Opening Church Service at Restored Life Ministries in Springﬁeld, OH.• Brotherhood Night, fostering camaraderie among chapter members.• Basileus Night, celebrating leadership within the chapter.•A chapter party honoring Phyllis Salter, the chapter’s First Lady, on her birthday.The Achievement Week Banquet oﬀered a ﬁtting conclusion to the oﬃcial week ﬁlled with celebration, reﬂection, and community engagement, underscoring the chapter’s dedication to family, leadership, and service. Mu Chi Brothers and family members reconvened to celebrate Founders’ Day and church service on November 17, 2024, at Holy Trinity AME Church in Wilberforce, OH.The banquet served as a platform to honor outstanding individuals who have signiﬁcantly contributed to the fraternity and the broader community:• MX Omega Man of the Year: Brother Dr. Odell A. Graves, recognized for his exceptional service and dedication to the fraternity’s mission.• MX Educator of the Year: Mr. Justin Stone, a remarkable educator and one of the top four ﬁnalists for the State of Ohio Educator of the Year, noted for being the only male ﬁnalist. Mr. Stone was unable to make it and received his award at a later date.• MX Citizen of the Year: Dr. Michael Newsom, the County Fatherhood Director since 2010, celebrated for his enduring commitment to supporting families and fatherhood initiatives. Dr. Newsom was unable to attend and received his award at a later date.• MX Brotherhood Award: Brothers Don Jones and Roderic Morman were recognized for their dedication and service to the chapter.Brother Basileus Eric Salter speaks to the audience.Brother Roderic Morman receives the Brotherhood award.BrotherDr, Odell A Graves receives the MX Omega Man of the Year.Mr. Justin Stone receives the Educator of the year award.Dr. Michael Newsom received the Citizen of the year award.The 4th District Chronicle/Winter 202569

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The 4th District Chronicle/Winter 2025From The Sidney Daily News70The featured speaker was Daryl S. Cameron, Senior Vice President of Commercial Banking with Huntington National Bank in Youngstown. Cameron is also the 4th District Representative for the Omega Psi Phi Fraternity. The 4th District includes the states of Ohio and West Virginia.Cameron reminded the scholarship recipients that they would soon be leaving the comfort of their homes and that there would be both positive and negative influencers waiting. “You are going to interact with individuals from all walks of life,” Cameron stated. “Some will become your new best friends and be positive influences on your life.” “Others who you thought were your friends you will come to realize were nothing more than negative influences on your life. Their goal is to steer you in a different direction or knock you off course,” Cameron continued.The central theme of Cameron’s remarks was to remind those present that they had signed a contract. “When your parents, grandparents or guardian decided to bring you home from the hospital when you were born and stayed up all night because you wouldn’t go to sleep due to the fact that you were sick, hungry, or just wanted to be held, that initiated the contract between you, your parents, and the community,” Cameron explained. “They fed you, they clothed you, and provided a safe place to lay your head.”“So as you venture out into this sometimes cruel and unfair world, the contract requires you to represent your family and the communities from which you come in a positive light,” Cameron stated. “If it’s your desire to attend college, then the contract requires that you graduate. If it’s your desire to attend a trade school, then you are required under that same contract to master a particular trade. If it’s your desire to serve in the military, then once again, the contract requires that you serve with honor.”Cameron also told the parents, the community leaders, and the guests in attendance that they too, had contractual obligations. “You have an obligation under the contract to support and encourage these scholars,” Cameron stated. Sidney Mayor Mike Barhorst represented the respective mayors of each of the four cities, reading the proclamation he issued in recognition of Omega Psi Phi Day. In reading the proclamation, he Barhorst stated, “I join in welcoming Brother Daryl S. Cameron to the communities served by the Xi Iota Iota Chapter, and thank him for his tireless efforts to improve the quality of life in the communities he serves and for joining in the celebration of Xi Iota Iota’s Annual Achievement Week.” He then presented the copy of the proclamation to Cameron.Jarrett A. Thomas, Vice-Basileus of Xi Iota Iota Chapter, served as master of ceremonies for the event, a role he has played for more than three decades. The Xi Iota Iota Chapter was formed in 1991.The Xi Iota Iota Chapter of the Omega Psi Phi Fraternity held their annual Scholarship Awards Program at Edison State Community College. Founded in 1911 on the campus of Howard University, Omega Psi Phi Fraternity, Inc. was the first international fraternal organization founded on the campus of a historically black college or university. The Xi Iota Iota Chapter serves the cities of Lima, Piqua, Troy, and Sidney, Ohio. Students receiving recognition this year included Lima High School Senior Lloyd F. Grant, Jr., Piqua High School Senior Donavan Taylor, Troy High School Senior Jamauri Barker, and Sidney High School Senior Julius Spradling. Each student was given a $1,000.00 grant from the chapter. Spradling is the son of Jon and Stephanie Spradling and is a three-sport student athlete, playing football, basketball and track. He set a new record for the 400 meter run this past year, breaking a record that was set nearly a half-century ago.In addition, Edison State Dean of the School of Arts and Sciences Dr. Paul Heintz announced that each of the students would receive a full scholarship to the college. “In addition to tuition, the scholarship covers everything else,” Heintz stated, “including course fees, books, and any instruments or equipment required for your course work.”Xi Iota Iota Chapter Holds Annual Achievement Week Event

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Achievement Week Banquet: Honoring Excellence & Partnerships Recognizing Chapter Excellence ETA NU NUOn Friday, November 15, 2024, the Eta Nu Nu Chapter of the illustrious Omega Psi Phi Fraternity, Inc. hosted its Annual Achievement Week Banquet at The Boat House at Conﬂuence Park in Columbus, Ohio. With over 250 attendees, the event celebrated the Chapter’s outstanding achievements and acknowledged the vital partnerships that have fueled its success. Keynote speaker and Grand Counselor of our great fraternity Brother Clement Osimetha set the tone for the evening by delivering a message that featured friendship, dedication, and service. His inspiring words underscored the Chapter’s remarkable achievements since its chartering in 2020. Guests were also treated to a stirring performance by Antoine Lee, the Chapter’s 2024 Talent Hunt winner, leaving the audience in awe. The banquet highlighted the hard work and dedication of Eta Nu Nu’s members, whose eorts have set the standard for achievement and service. The Basileus Awards, which highlight exemplary leadership, were presented to Brothers Gregory Riggins, Antonio Caey, and Christopher Plummer. Their guidance and strategic vision have propelled the Chapter’s initiatives to new heights. Brotherhood Awards were presented to Brothers Leon Peacock, Judson L. Jeries, Melvin Robinson, Steve Hartley, and Tamaul Boston for fostering camaraderie and brotherhood. These honorees epitomize the fraternity’s ideal of forging strong bonds that drive collective success. The Unsung Hero Awards, celebrating those who work tirelessly behind the scenes, went to Brothers Stanley Phillips, Sr. and Ruben Green for their invaluable contributions to Chapter operations and programming. The Superior Service Award was presented to Brother Askia Shaheer for his dedication to enhancing the Chapter’s impact, while the prestigious Omega Man of the Year Award was bestowed upon Brother Jim Goshay, whose leadership and service embody the fraternity’s cardinal principles.Brother Cliord Jones received the Brigadier General Charles Young Military Leadership Award, recognizing his exemplary service and leadership within the fraternity and the broader community. Other signiﬁcant awards included the Founders Lifetime Achievement Award, presented to Brother Matthew Coleman for his enduring contributions to the fraternity and the Citizen of the Year Award, presented to Ms. Tei Street for her inspiring leadership and advocacy within the community. By Brother Judson L. Jeries, PhD, and Brother Antonio Caey The 4th District Chronicle/Winter 2025CONTINUED ON NEXT PAGE71

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The Chapter also recognized the incredible contributions of its community partners, whose support has been integral to the chapter’s success. Outstanding Community Partner Awards were presented to: • Loletia Davis, representing The Ohio State University Comprehensive Cancer Center – The James, for ﬁnancial resources and expertise that have advanced health initiatives. • Deborah Pickens, with the Kingdom Knowledge Foundation, for unwavering support in educational programming. • Christin Brown of LifeCare Alliance, for enhancing the Chapter’s outreach and health programs. • Erin McDaniel-Baccus from JP Morgan Chase, for strategic support and advocacy. • Laurise Johnson of Lifeline of Ohio, for her partnership in life-saving organ donation awareness. • Bishop James DeLaney and The SJCC Event Center, for their dedication and providing space for community events and supporting the Chapter’s programs. Humanitarian Awards Special Humanitarian Awards were presented to: • Bishop Timothy J. Clarke, of First Church of God, for his steadfast advocacy and ﬁnancial contributions to scholarship and performing arts programs. • De Lena Scales, from the City of Columbus Department of Neighborhoods, whose funding and partnership have sustained vital school-based programming and community uplift eorts. A Legacy of Achievement Since its chartering in 2020, Eta Nu Nu has rapidly become a cornerstone of service and uplift in Columbus, Ohio. The Chapter has awarded over $436,125 in scholarship monies to students and have worked with administrators, students and sta members across 35 schools, implementing innovative programs in health, education, and community empowerment. As the banquet concluded, attendees left inspired by the evening’s celebrations and the Chapter’s commitment to building a brighter future for the residents of Columbus, Ohio. The Eta Nu Nu Chapter remains dedicated to honoring its mission and deepening its impact, one days at a time.Honoring Community Partners The 4th District Chronicle/Winter 2025Eta Nu Nu Chapter’s Achievement Week Banquet: Honoring Excellence and Partnerships72

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ETA NU NUTransforming Lives Through ScholarshipBy Brother Antonio CaffeySince its chartering in 2020, the Eta Nu Nu Chapter of the illustrious Omega Psi Phi Fraternity, Inc. has been a beacon of hope and opportunity for students in the Greater Columbus area. Guided by our mission to enhance the life chances of young people, particularly in communities of color, the chapter has provided unparalleled support to deserving students through its robust scholarship program. To date, Eta Nu Nu has committed and awarded a grand total of $432,125 in scholarships to high-achieving students from 38 diﬀerent high schools. These scholarships have empowered high school seniors and college students to pursue their academic dreams while relieving their parents and loved ones of the ﬁnancial burdens associated with higher education.In an historic partnership with I Know I Can, Columbus’s only non-proﬁt organization focused on college and career readiness, Eta Nu Nu has made the largest-ever multi-year donation to the organization’s Founders’ Scholarship program. This program works with Columbus City Schools graduates who endeavor to attend Historically Black Colleges and Universities (HBCUs), but lackthe resources to do so. The Chapter recently voted to extend our partnership with I Know I Can bringing its total contribution to $140,000. This unprecedented donation will ease the ﬁnancial burden for multiple students each year throughout their college careers.“The generous gift from the Eta Nu Nu Chapter of Omega Psi Phi Fraternity, Inc. will ensure that multiple students have the resources to attend and graduate from their preferred HBCU,” said I Know I Can’s Director of Development and Public Relations, Patrick Lynch. “We are honored that the fraternity chose I Know I Can as a partner to provide the resources that students need to begin building successful careers.”Our scholarship program is deeply rooted in partnership and innovation. Through the Omega Educational Enrichment Program, we have integrated experiential learning opportunities and incentives, ensuring students not only succeed academically but are also exposed to transformative experiences. This holistic approach underscores our belief that education is the key to unlocking potential and changing lives.73The 4th District Chronicle/Winter 2025CONTINUED ON NEXT PAGE

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Transforming Lives Through Scholarship(555) 555-0145 | info@ermigalecommunitynews.site.com | ermigalecommunitynews.site.comAs we approach our ﬁve-year anniversary in November 2025, Eta Nu Nu has set an inspiring and ambitious goal: to reach $500,000 in scholarship contributions and pledges by this milestone. This target underscores our steadfast dedication to empowering the next generation by providing the ﬁnancial resources they need to thrive academically and beyond. Reaching this signiﬁcant milestone will depend on the continued support of our community partners, local businesses, and individual donors who share our commitment to fostering educational equity. We invite everyone who believes in the transformative power of education to join us in this mission. Together, we can break down ﬁnancial barriers and ensure that deserving students have the opportunity to reach their highest potential.Given that the U.S. Supreme Court has banned the use of race as a consideration in college admissions, it is our hope that the Divine 9 community, as well as other organizations that endeavor to make college attendance a reality for young people, follow our lead by increasing the size of their donations to this worthy cause. Eta Nu Nu’s dedication to scholarship is more than just a ﬁnancial commitment; it’s a promise to uplift, inspire, and empower.As we celebrate the successes of the past and look ahead to the future, we are reminded of the profound impact that education has on individuals and communities. Every dollar raised brings us closer to transforming lives and building a legacy of opportunity for generations to come. To support our scholarship program or learn more about Eta Nu Nu’s initiatives, visit our website at 614Ques.org or connect with us on social media. Together, we can make a diﬀerence.The 4th District Chronicle/Winter 202574

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The session, titled "The Science of Baking," introduced students to the chemistry and physics behind everyday culinary processes. Through three interactive stations, students explored the science of food transformation:• Churning Butter – A lesson in physical changes in food science.• Baking Bread in an Air Fryer – Understanding chemical reactions in baking.• Guest Speaker Segment – Led by the brothers of Beta Iota Chapter, where scientific principles were connected to real-world applications in baking.Brother Woods shared insights into the scientific aspects of baking, breaking down the chemical reactions involved and highlighting how STEM is incorporated into daily life. The goal was to inspire young minds by demonstrating how fundamental scientific concepts apply beyond the classroom.The event was a great success, with students actively engaging in experiments and asking thoughtful questions. The Brothers of Beta Iota Chapter remain dedicated to mentoring, educating, and providing access to new opportunities for young people in the Cincinnati area. The chapter extended its gratitude to the Gaskins Foundation for creating this opportunity for partnership. On January 4th, 2025, the Brothers of Beta Iota Chapter of Omega Psi Phi Fraternity, Inc. participated in the Gaskins Foundation’s STEMulating Saturdays program at the Digital Futures Building in Cincinnati, Ohio. This initiative engaged students in hands-on STEM activities, and the chapter contributed to this experience with Brother Darryl Woods leading a baking challenge for students in attendance.Brother Woods is the Owner of Cincy-Ville Cakes, a custom baker of cakes, cupcakes and cookies. Cincy-Ville has become well known in Louisville, Cincinnati and beyond for creating the perfect combination of amazing looking and delicious desserts for their customer’s special events. Youth at STEMulating SaturdaysBeta Iota The 4th District Chronicle/Winter 2025By Brother Toriano Franklin75

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Mu Chi Hosts Drone CompetitionOThe 4th District Chronicle/Winter 2025By Brother Dr Odell A. GravesInspiring the Next Generation of Science Technology, Engineering and Mathematics (STEM) Leaders76

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CHI ALPHAA Chirstmas Blessing The brothers give to those in need as a moral and ethical duty. This reﬂects the divine aributes of compassion, love, and stewardship. Through giving unselﬁshly, Chi Alpha aligns itself with the cardinal principle of upli, because giving is not merely a transacon but a powerful act that shapes character and spiritual growth.The Holiday Season serves as a me to honor Jesus as being the reason for the season, while also emphasizing the importance of family love and acts of kindness. This Christmas, the Chi Alpha Chapter reached out to assist a family in need. A young couple, who had recently married just a few months prior, encountered challenging circumstances that resulted in their reliance on a single income before the holiday season. This situaon caused considerable stress for the family. The Chi Alpha Chapter came together to provide a food donaon, ensuring the family could enjoy joyful meals over the holidays. Omega Psi Phi is a service fraternity and Chi Alpha Chapter is devoted to upliing and serving the community. Observance of Christmas celebrates the birth of Christ and emphasizes the importance of family love and acts of kindness. This Christmas, the Chi Alpha Chapter helped a recently married couple aer job loss resulted in their reliance on a single income. The brothers of Chi Alpha assembled a package of food that helped feed the family over the holidays. For Chi Alpha, helping the family was borne out of the spirit of giving purely as a selﬂess act. Unfortunately, there are many people in dire ﬁnancial straits that have forced them into living from hand to mouth. Although they work hard to provide for themselves, more than 50 million people in the U.S. sll rely on food assistance from organizaons like the Omega Psi Phi Fraternity.The 4th District Chronicle/Winter 2025By Brother Ronnie Walker78

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The Brothers of Beta Iota Chapter of Omega Psi Phi Fraternity, Inc. proudly participated in the WCPO 9 Toy Team 9 initiative, helping to spread holiday cheer to families in need. On December 7th, the brothers were on-site at the West Chester Walmart location, actively engaging with shoppers to encourage toy donations and assisting donors by collecting items directly from their vehicles to make the giving process as seamless as possible.Thanks to the generosity of the community and the collaborative eorts of volunteers, a total of 5,000 toys were collected for the Toys for Tots program. These toys were distributed for the Christmas season, during which parents had the opportunity to select a set number of toys for their children. This process allowed parents to take the gifts home and experience the joy of providing for their children themselves, witnessing the excitement and happiness on their faces when opening their presents.The Toy Team 9 initiative, led by WCPO 9, provided multiple opportunities for the community to give back, including text-to-give donations and in-person drop-os at nine Walmart locations across the Tri-State area. Beta Iota Chapter’s involvement highlights its ongoing commitment to community service and uplifting those in need.The fraternity extends its gratitude to WCPO 9 and all those who contributed to this impactful event. Through collective action and service, Beta Iota Chapter continues to make a meaningful dierence in the Cincinnati community.Beta Iota Chapter of Omega Psi Phi Fraternity, Inc.www.cincinnatiques.comSupports WCPO 9’s Toy Team 9 DriveBy Brother Jesse TurnerThe 4th District Chronicle/Winter 202579

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The brothers of Mu Iota are committed to continuing their support of Celebration of Survival. MI believes public awareness campaigns like Celebration of Survival raise awareness of domestic violence as a societal problem. Therefore, it is MI’s charge to work at changing public attitudes and norms that cultivate domestic violence. The brothers of Mu Iota provided household items to families that set up households after they escaped domestic violence. Mu Iota donated $3,500 in supplies and equipment to a program of the Young Women Christian Association (YWCA) program entitled “Celebration of Survival. The brothers delivered cleansers, disinfectants), hygiene products, mops, brooms, buckets, and sponges. In addition to providing household supplies, MI sponsored a luncheon. It preceded a panel discussion where panelists provided valuable advice on dealing with domestic violence and where they could find resources that would help families escape abusive situations. Mu Iota’s sponsorship of Celebration of Survival is an acknowledgment of “the large-scale and extensive consequences of the problem, various strategies and approaches have been used to prevent domestic violence. The brother reviewed examples of current best practices in the primary prevention of domestic violence including early childhood and family-based approaches; school-based approaches; public information and awareness campaigns; and structural and policy approaches. Celebration of SurvivalMU IOTAThe 4th District Chronicle/Winter 2025By Brother Reg Adams82

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By Brother Chris MacklinBeta Iota Chapter Empowers Community with CPR CertificationThe Brothers of Beta Iota Chapter of Omega Psi Phi Fraternity, Inc. remain committed to upli, service and empowerment through education of all types. In the month of November and in collaboration with local organizations, the chapter provided CPR certification opportunities to its members, young men attending the Brother, Youʼre on My Mind monthly sessions, and youth being mentored through the St. Monicaʼs Community Center in Lincoln Heights—one of the oldest and most historically significant Black neighborhoods in the country.CPR certification is an invaluable life-saving tool, equipping individuals with the knowledge and confidence to respond eﬀectively in emergencies. While this training benefits anyone, it is particularly crucial for new parents, caregivers, and those living in multigenerational households, where immediate action can make a critical diﬀerence in life-threatening situations.Beyond the emergency response element, CPR certification also creates opportunities for economic empowerment. With this certification, young people can pursue jobs as lifeguards or babysitters, providing them with a means to earn their own income while contributing to the safety and well-being of their communities.Through this initiative, the Brothers of Beta Iota reinforce the importance of being prepared but also of building skills that can open new doors. These sessions will continue to be oﬀered throughout the year in order to expose more people to the training. The 4th District Chronicle/Winter 202583

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85In a compelling interview, Reverend Paul Hobson Sadler, Sr., born and raised in Philadelphia, Pennsylvania, reflected on his upbringing, education, and journey through faith and leadership. Rev. Sadler, known for his community involvement and commitment to Omega Psi Phi Fraternity, shared his experiences of growing up in a segregated America and his path to becoming a respected ﬁgure in his community. From an early age, Rev. Sadler felt a strong calling to ministry. By the age of 12, he knew that preaching was his future, though he kept this revelation private for two years before sharing it with a close friend. His education and experiences at Howard University’s Divinity School solidiﬁed his path in ministry. “I was called to ministry at the age of 12,” Sadler reflected, recounting how the Black Pow Movement and his involvement in the Black Liberation Force in Philadelphia influenced his drive to serve his community. Rev. Sadler’s early life was marked by racial challenges. He grew up in West Philadelphia, attending schools that were racially segregated despite busing efforts. He shared how, as one of the ﬁrst 40 Black students bused to a white school in Philadelphia, he faced extreme discrimination. "We were sent to a school for developmentally delayed kids…they didn't want us to eat lunch with the white kids," Rev. Sadler recounted. His father's intervention played a pivotal role in ending that experiment. Rev. Sadler credited his education at Philadelphia’s Central High School, an institution known for its prestigious alumni, for shaping his academic and personal growth. Despite facing microaggressions and cultural pressures, he remained focused on excelling. His decision to attend Howard University was influenced by his aunt and uncle, both Howa alumni, and his exposure to the Black intellectual and cultural movement at the time. Exclusive Interview with Reverend Paul SadlerA Childhood in Segregated Philadelphia Answering the Call to Ministry A Journey of Faith, Education, & Leadership! ZETA KAPPA KAPPABy BrotherGaidi Nkruma CONTINUED ON NEXT PAGEThe 4th District Chronicle/Winter 2025

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www.zetakappakappa.org/Hello Salsa Soiree Family! This month, we’re excited to bring you news collecesdtions, exclusive promotions, and a peek.Rev. Sadler’s passion for Omega Psi Phi Fraternity was evident throughout the interview. He was drawn to Omega’s commitment to community upliftment, an ideal he had embraced since his youth. Despite not pledging during his undergraduate years due to ﬁnancial constraints and family obligations, he eventually joined Zeta Kappa Kappa Chapter later in life, fulﬁlling a lifelong dream.His leadership in the fraternity extended beyond membership. Rev. Sadler served as Basileus of his chapter, focusing on social action initiatives such as food giveaways and meal programs for the less fortunate. "We won the social action chapter twice," he proudly noted. Under his administration, the chapter gained signiﬁcant visibility through a robust social media presence, which he believes is critical for reaching young men today. As Rev. Sadler looks toward the future, both for himself and the fraternity, he is optimistic. He plans to continue working in the social media space, helping to spread Omega Psi Phi’s message to younger generations. “Social media is the wave of the present…Young people will see us and be drawn to Omega because of what they see,” he explained. Rev. Sadler concluded the interview with words of wisdom for future leaders, emphasizing the importance of character, visibility, and service to the community. "Men of character will see this and want to be a part," he said, echoing the ideals of Omega Psi Phi's founders. As he transitions from a position of leadership, Rev. Sadler remains committed to his fraternity and his community, eager to continue serving in any capacity. His story is one of resilience, leadership, and a lifelong dedication to faith and service. Commitment to Omega Psi Phi Looking Forward A Journey of Faith, Education, & Leadership! Brother George Whitehead & Brother Rev. Paul Sadler at Bro. Whitehead’s 102nd Birthday Celebration.The 4th District Chronicle/Winter 202586

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The United States Department of Veterans Affairs (VA) paid tribute to Brother George Washington Whitehead (1942 Iota Psi) for reaching an amazing milestone . . . his 102nd birthday! The VA also honored him for service to his country during World War II. And several brothers of Omega from the two Greater Cleveland area chapters with which Brother Whitehead has been afﬁliated were on hand to join the celebration for this stalwart Omega Man.Ms. Jill Dietrich Mellon, JD, MBA, who is the Executive Director and CEO for VA Northeast Ohio Health Care, presented Brother Whitehead with a plaque and a letter from U.S. Secretary of Veterans Affairs Denis McDonough, that read in part, “Our Nation honors your military service in the United States Army during WWII as well as a Purple Heart recipient. You are part of this country’s ‘Greatest Generation’ for your legacy of patriotism and honor. The sacriﬁces you have made, and the accomplishments of your military career are held in the highest esteem. Thank you for your commitment to your community as a longtime member of the Omega Psi Phi Fraternity to ﬁnd meaningful ways to be of service to others. You are an inspiration to those you have touched. We feel honored to serve you.”The 4th District Chronicle/Winter 2025CONTINUED ON NEXT PAGEHonors Brother George Whitehead's 102nd BirthdayCLEVELAND, OHU.S. Department of Veterans Aﬀairs The 4th District Chronicle/Winter 2025By Brother Damon Scott87

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Brother Whitehead also received the Secretary’s challenge coin, which is considered a high honor for our military veterans. He served in the U.S. Army from November 1942 until December 1945, just after the end of the war, playing a vital role in both Signal and Air Corps. The year 1942 must have been a very signiﬁcant one for Brother Whitehead. Not only did he begin service to his country at that time, but four months earlier, he had been initiated into Omega through Iota Psi Chapter while a student at Ohio State University. He has often shared with Brothers the story that during his freshman year, he and two close friends were interested in fraternity life. One of his friend’s father was an Omega. So the three of them decided to attend a smoker for the Alphas, the Kappas, and the Omegas. All three of them then made the decision they would all pledge the same fraternity. George was impressed with how the Omegas conducted themselves at the smoker, as they were all dressed in suits and ties and were known to be scholars on campus. Once he and his friends chose Omega, they were among 12 members of the Lampados Club in 1940, and young George was elected its President. After one year had passed, he did not have the $22 initiation fee, which he reminds anyone he tells, was a lot of money at that time! So the line went over in 1941, unfortunately without him. But he persevered and continued as the President of the Lampados Club for a second year; by then he had saved enough money for his fee and was ﬁnally initiated as a Son of Omega.After later graduating from law school, Brother Whitehead married and settled in Cleveland. There, he became an active member of Zeta Omega Chapter. Among his many contributions to the chapter was providing $500, along with several other brothers, toward the purchase of the chapter house in 1993. At the time, he was working for the State of Ohio Liquor Control Commission and his professional experience would come in handy when he helped the chapter acquire the state liquor license for the house. Brother Whitehead retired from a very successful law practice that included him becoming the ﬁrst African American lawyer to specialize in liquor law in Ohio. But Zeta Omega is not the only chapter where Brother Whitehead lent his talent and service. In 1995, he also became a charter member of Zeta Kappa Kappa Chapter in Beachwood, a suburb in the Greater Cleveland area. He is also a former Basileus of the chapter. So it was quite ﬁtting that Brothers from both chapters were on hand to celebrate his 102nd birthday and his service to our country.Those in attendance at the senior living facility where Brother Whitehead resides included Brother Ronald Adrine (1967 Eta Psi), a retired Cleveland Municipal Court Administrative and Presiding Judge and current Jurist-in-Residence at Cleveland State University College of Law. A private moment shared between them during the celebration reminded those in attendance of the brilliance of these two great legal minds. U.S. Department of Veterans Aﬀairs Honors Brother George Whitehead's 102nd BirthdayThe 4th District Chronicle/Winter 2025CONTINUED ON NEXT PAGE88

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And there were two former Fourth District Representatives, the 26th, Brother Rev. Mel McCray (1969 Eta Gamma), and the 35th, Brother Elder David Reliford (1976 Iota Psi), who presented his chapter brother with a Royal Purple and Old Gold sash bearing Brother Whitehead’s name, chapter and year of initiation, and “82 Years of Service” on it. Also present were Brothers Paul Saddler (2017 Zeta Kappa Kappa), who has a special connection to Brother Whitehead, serving as his pastor for several years; Basileus Herb Jones (2019 Zeta Omega), and fellow veterans, Kenneth West (2011 Zeta Omega) and Earl Lee (2017 Zeta Omega).As an Army veteran, it was Brother Lee’s idea to contact the VA to advocate for Brother Whitehead being honored for both his age and his military service. “He’s 102 years old! We don’t see many people live that long. And to have him as Son of Omega for 82 years, he’s someone for brothers to emulate” said Brother Lee. At the conclusion of the celebration, Zeta Omega brothers reﬂected on how revered this Omega Man is to them. Having been chartered in 1923, Zeta Omega Chapter commemorated its centennial anniversary in 2023. And now they had just honored the oldest living brother in the Fourth District and in Zeta Omega. Born in 1922, Brother George Whitehead is actually one year older than the chapter itself! What great Omega history!U.S. Department of Veterans Aﬀairs Honors Brother George Whitehead's 102nd BirthdayThe 4th District Chronicle/Winter 202589

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Omega Psi Phi Fraternity Leader Reflects on Brotherhood and CommunityServiceBy Brother Gaidi NkrumaZeta Kappa KappaFrom Member to LeaderIn an intimate interview, Brother John Crawford Jr., the Basileus (president) of the Zeta Kappa Kappa chapter of Omega Psi Phi Fraternity, shared personal insights into his journey, leadership, and the importance of community service within the organization. Born and raised in Cleveland, Ohio, Brother Crawford's roots are deeply embedded in the city. "I'm Cleveland through and through," he says, recalling his upbringing in Garfield Heights and the strong work ethic instilled in him by his parents. Both his mother and father were East Tech graduates, with his father serving in the Marines and his mother dedicating years to work at Mount Sinai Hospital.Crawford's leadership journey within Zeta Kappa Kappa has been marked by his desire to foster a sense of brotherhood and service. He served as Keeper of Records and Seal (KRS) before transitioning to Vice Basileus, and eventually, Basileus. His vision for the chapter is straightforward: “We’ve been growing financially and in terms of good members... I don’t want to wreck the Ferrari.” His goal is to maintain the chapter’s success while inspiring more activeinvolvement from its members. In addition to financial growth, Crawford hopes to increase active participation across the chapter, reminding members that Omega Psi Phi is a collective effort that transcends individual chapters. “It’s about brothers working together... It should be Omega Psi Phi first,” he says, urging fraternity members to unite beyond local chapter boundariesBrother Crawford’s introduction to Omega Psi Phi came during his college years, though his alma mater, Tiffin University, did not host any fraternities. His curiosity grew through encounters with fraternity life at other campuses, and the enthusiasm of a childhood friend, Brother Brian Forte, ignited his interest in the fraternity. Despite not being able to join Omega Psi Phi during his undergraduate years, Brother Crawford remained drawn to its values. He eventually found his way into the fraternity through its graduate chapter, Zeta Kappa Kappa, after being approached by fraternity members who admired his character and work ethic. "My wife wasn’t really feeling it at first," Crawford admitted, acknowledging some resistance due to her own college experiences. However, he persisted and found himself surrounded by fraternity brothers who encouraged him to join. Today, he is proud to be a part of Omega Psi Phi, a fraternity that, for him, represents more than just a social group. “It’s about doing community service and working,” he emphasizes, pointing out that true fraternity membership involves contributing to both the brotherhood and the communityA Legacy of Service and BrotherhoodThe 4th District Chronicle/Winter 2025CONTINUED ON NEXT PAGE90

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Community Engagement and Signature ProgramsLooking Forward: Brotherhood and Service Beyond ConvenienceOmega Psi Phi Fraternity Leader Reflects on Brotherhood and Community ServiceAmong the fraternity's various initiatives, Brother Crawford highlights several standout events that resonate with him. He points to Achievement Week, an annual celebration honoring fraternity members' accomplishments, and various community service programs that allow Omega Psi Phi to give back to the Cleveland area. “Just holding the door for someone whilewearing our letters can have a lasting impact,” he notes, underscoring how small gestures can reflect the fraternity’s values.Crawford also takes pride in the chapter’s Mother's Day Brunch, which honors the women in their lives and continues to grow in size and impact each year. “Without them, we wouldn’t be here,” he reflects, acknowledging the critical role mothers play in their lives.As the interview concluded, Brother Crawford shared parting words of advice not just for his chapter but for Omega Psi Phi members worldwide. “We stand on our first principle of manhood, but it’s also Christian manhood,” he reminds, urging fraternity members to extend help even when it’s inconvenient. He believes that true brotherhood is reflected in actions taken when it’s least expected. For Brother Crawford, the essence of Omega Psi Phi is clear: It’s about serving the community,supporting one another, and ensuring that the fraternity remains a force for good. His leadership within Zeta Kappa Kappa will continue to focus on these core values, ensuring that the chapter remains strong and united.The 4th District Chronicle/Winter 202591

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INSURANCE AGENTSBrother Eric Thompson Beta Iota(513) 825-3800Brother Ricardo Prude Zeta Omega (216) 283-1616Brother Vince Davis Xi Tauo(419) 780-2824c(419) 509-0326Brother Bryan Hayward Mu IotaHayward Group LLCDayton (937) 262-7370West Chester (513) 847-6456Columbus (614) 456-7272CAR SALESBrother Floyd Howell Delta AlphaVoss Toyota (937) 219-5425Brother Julius Henderson Psi Theta Jeff Wyler Kia Fairfield(513) 276-2548julius.henderson@jeffwyler.comBrother Wesley Baynes Zeta Kapp Kappa(216) 233-0464FUNERAL Brother Jason Lucas Zeta OmegaLucas Memorial Chapel Inc.(440) 735-3030LucasFuneralHome.comBANKING Brother Daryl S. Cameron Psi OmicronFarmers National Bank (330) 550-0149dcameron88@gmail.comBrother Reginald Temple Xi TauPremier Banko(419) 794-5017c(419) 346-8303RTemple@YourPremierBank.comBrother Lamar T. Cole Zeta OmegaAsst. Vice President Regional Banking Client MGR(216) 206-1771lamr.t.cole@hunting.comREAL ESTATE / BROKERSBrother Dannel Shepard Beta Iota(513) 703-0370srs@YourHouseIsKey.comBrother McKenzie Harmon Mu Iota(614) 743-9041Mharmon2@farmersagent.comBrother Wesley Baynes Zeta Kapp Kappa(216) 233-0464FINANCIAL/FINANCIER ADVISORSBrother Ronald Jackson Delta Alpha(937) 416-9406rjackson1@ft.newyorklife.comBrother Christopher Cooper Jr Delta Alpha(614) 746-3557gideonpac@aol.com Brother Dr Odell Graves Mu Chi(513) 550-1683Ograves@primerica.comThe 4th District Chronicle/Winter 202594 lamar.t.cole@huntington.com