Report: Most Working Americans Not Saving for Retirement by Herb Weiss Retirement After a Lifetime of Work Now for Senior Digest Is a Middle-Class Nightmare

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Volume 15, No. 2 February 2019 Report: Most Working Americans Not Saving for Retirement By Herb Weiss retirement after a lifetime of work now For Senior Digest is a middle-class nightmare. Even among workers who have accumulated savings in Less than four months ago, a research retirement accounts, the typical worker had report released by the Washington, D.C.- a low account balance of $40,000. This is based National Institute on Retirement far off-track from the savings levels Amer- Security (NIRS), using an analysis of U.S. icans need if they hope to sustain their stan- Census data, found that even with the na- dard of living in retirement.” tion’s economic recovery, savings levels of American’s Not Prepared for working age Americans are inadequate for Financially Surviving Retirement Years America’s retirees to rely on. Findings in NIRS’s 32-page research re- The NIRS report provides analyzes the port, “Retirement in America: Out of Reach U.S. Census Bureau’s Survey of Income for Most Americans?,” released on Sep- and Program Participation data released in tember 18, finds that more than 100- mil 2016 and 2017. Researchers took a look at lion working age individuals (57 percent) workplace retirement plan coverage, retire- do not own any retirement account assets, ment account ownership, and retirement whether in an employer-sponsored 401(k)- savings as a percentage of income, and type plan or an IRA nor are they covered estimates the share of workers that meet by defined benefit plans. Researchers say Stock photo financial industry recommended bench- the data indicated that “those who do own marks for retirement savings. retirement accounts have, on average, more these individual only had a modest account age and income-levels based on working “The facts and data are clear. Retirement than three times the annual income of in- balance of $40,000. “Furthermore, some until age 67 even after counting an individ- is in peril for most working-class Ameri- dividuals who do not own retirement ac- 68 percent of individuals age 55 to 64 have uals’ entire net worth. “Due to a long-term cans,” says Diane Oakley, the report author counts.” retirement savings equal to less than one trend toward income and wealth inequality and NIRS executive director in a state- According to the research findings, the times their annual income, which is far be- that only worsened during the recent eco- ment. “When all working individuals are typical working age American has no re- low what they will need to maintain their nomic recovery, a large majority of the bot- considered — not just the minority with tirement savings. When including all standard of living over their expected years tom half of Americans cannot meet even a retirement accounts — the typical working working individuals —not just individuals in retirement,” say the NIRS’s research re- substantially reduced savings target,” says American has zero, zilch, nothing saved for with retirement accounts—the median report. the NIRS report. retirement,” she says. tirement account balance is $0 among all The research study findings indicate that The researchers say that federal and state Oakley added, “What this report means working individuals. For the typical work- 77 percent of Americans can not meet con- is that the American dream of a modest ers who have retirement savings accounts, servative retirement savings goals for their See Saving, page 6

Credit Unions Sound the Alarm on Elder Financial Exploitation By Walter Laskos arrested and carted off to jail. (Please know, For Senior Digest the IRS will not call you on the telephone if you owe money.) Unless you live in isolation, you certain- One of the most pitiful scam tactics I have ly are aware of all the financial scams being heard involves a phone call from a grand- committed against seniors today. They can child who has been arrested and needs you be committed by an aid, a caregiver or even to send money. It goes something like this. a family member. They can arrive with a Using Facebook or another social media knock on the front door or the ring of the platform, scammers learn the name of, let’s telephone. Sadly, everyone is becoming say, your grandson. An imposter will then vulnerable, but most especially seniors. telephone you and identify himself using Chances are, you have already been tar- your grandson’s name and even sounds a geted by scammers with an annoying and lot like your loved one. But he is speaking unsolicited phone call. in a quick and panicky voice, asking for It’s no secret, scammers will go to great your help. He confesses he’s been drinking lengths to trick you to part with your mon- and was in a car accident. Now, he’s been ey, posing as the IRS and alarming seniors arrested and wants you to know a lawyer with an automated voice message that says Credit Unions of Rhode Island join with Lt. Governor Dan McKee at a Lunch & Learn about you owe money. If you don’t pay, you’ll be See Exploitation, page 4 Elder Financial Exploitation at the Johnston Senior Center.

Quick-fix “Ask the “The most serious charge which can Winter Lawyer” be brought against New England is Meals - page 3 not Puritanism but February.” - page 19 - Joseph Wood Krutch 2 February 2019 • Senior Digest Embracing a New (Driving) Normal An occupational hazard small wide-angle mirrors much, much more. It was old car ranked #2 on that want cruise control to au- of being someone dispens- attached to my outside mir- all a bit much. What was list. Using a helpful online tomatically slow me down ing advice about aging is rors. But now my system the difference between lane search site www.truecar. if I neared another car or following my own advice, wasn’t working so well. departure warning and lane com, I bought a new model turn that feature off?). It however difficult that might What had changed? keeping warning? I turned with many safety features. was worth it. While I am be. I’ve written about how I had to absolve Rhode to Consumer Reports’ July There was one more step- continuing to learn the fin- aging requires adapting to Island drivers from blame. er points of my new driver a new normal. As my sev- During my commute most assistance technology, the enty-fourth birthday ap- drivers were very accom- “If we’re willing to learn blind-spot warning has al- proached, my new normal modating about letting me ready proven tremendously for driving was becoming over if they had the time helpful. more frequent near misses and space. There was no to use new technology, For many of us who ar- when I started to turn into way around it, I was the en’t near a bus line, driving an adjoining lane and found problem and needed help. I think many of us should as long as we can is the best another car there in my My new normal required a way to remain indepen- “blind spot”. new car, and fortunately I dent. Self-driving cars may could afford it. be able to extend our be decades away. If we’re For the past five years my Since I had bought my willing to learn to use new Senior Digest daily commute home from current car thirteen years technology, I think many of 21 Industrial Court Providence has involved ago, it had been highly re- years behind the wheel.” us should be able to extend Seekonk, MA 02771 merging onto a very busy liable and I became very our years behind the wheel. Route 10 southbound, and attached to it. But as a Email then needing to cross two reader of car magazines, 2017 edition article about --living up to another of my William F. Flynn Jr. is [email protected] Telephone lanes of traffic going up to I knew a lot of new safety “The Top 25 New Cars for aging mantras--- you can executive director of the 508.336.6633 50 miles an hour. I have technology had been added Senior Drivers.” It gave teach an old dog new tricks. Senior Agenda Coalition. Web Site to watch for two things at to cars since 2006. I began heavy weight to four safe- I began working my way Contact him at seniora- www.seniordigestnews.com once—a slowdown by the my research, and was in- ty features: backup cam- through a 99-page own- [email protected]. car straight ahead as well undated with options for era, automatic emergency er’s manual on driver as- PUBLISHED as an opening in the lane driver assistance: forward braking, forward collision sist technology. It required MONTHLY to my left---very excit- collision warning, auto- warning and blind spot understanding different ing I had been checking matic emergency braking, warning (aha!). Best of all, features, and in some cas- Published by my blind spot with two adaptive cruise control, and the latest version of my es making choices (did I Senior Digest

Graphic Design/Layout: TCI Press Inc. In Rhode Island Printed by TCI Press Inc. If a Senior is not safe at home call: Contributors: Paul A. Brule, EDITOR’S DEADLINE Department of Elderly Affairs: Deborah L. Burton, MS, AllAll materials materials for for the the August March 20172019 issue 401-462-0555 or 462-3000 Elizabeth Carroll, are due by: Kathleen S. Connell, For Neglect or Abuse in a facility call: Eric Creamer, the week of July 16th Department of Health Facilities Regulation: Harriet Edleson, February 11th, 2019 William F. Flynn Jr., Please include name and telephone number in case we have questions. 401-222-5200 James R. Healey, WRITERS:WRITERS: Please Please email e-mail copy tocopy [email protected] to seniordigest [email protected] RI Attorney General Patient Abuse or Neglect, Kathleen Heren, Medicaid Fraud & Drug Diversion Unit: Walter Laskos, ADVERTISERS: Please contact Tom Rei ly at 508-3 36 - 66 33 ext. 337 Portia Little, 401-222-2566 or 274-4400 x2269 Jim Miller, For best reproduction, all ads and photographs Lisa M. Petsche, should be high resolution (300dpi) PDFs, tifs or jpgs. RI Long Term Care Ombudsman: and 401-785-3340 Herb Weiss In Massachusetts Subscription rates are $21 per year. Senior Digest Statewide Elder Abuse Hotline: assumes subscriptions are 1-800-922-2275 continuous unless notified to the contrary in writing. Senior Digest assumes no financial responsibili- ty for typographical errors in advertisements but will reprint that portion of the advertisement in which the typographical error occurs. Advertisers will please no- tify the management immediately of any error that may occur. Senior Digest reserves the right to reject advertising submitted for publication. Letters to the editor represent the opinions of the writers, not the editors, and must be signed and include the letter writer’s telephone number for verification. Senior Digest • February 2019 3 Thank You in Advance During the course of my with a professional. I am ing Trust. However, where an individual is their case loads. So, rather than getting a practice, I happen to come told by many mechanics in need of such a legal solution, the advan- thank you on their behalf from me, it might across a number of individ- that changing the brakes on tages of a trust can greatly surpass the other be far better to restructure your assets and uals who own real estate a vehicle is quite easy, but probate avoidance techniques. Again, this get a thank you from your children or oth- in their name alone. Other I am very glad no one ex- is not an area which you should attempt to er intended beneficiaries for being able to times, I come across indi- pects me to change brakes navigate on your own. As they say on tele- avoid the whole probate process. viduals that own financial on their vehicle. While vision, “do not attempt this at home”. assets in their name alone, there are other ways of So, in conclusion, if you still insist on Paul A. Brule is an attorney with the firm without any named benefi- avoiding probate during owning real estate or financial assets in your of Walsh, Brule & Nault, P.C., in Cumber- ciaries. In both instances, I lifetime, powers of attor- name alone, without named beneficiaries, I land. He can be reached at (401) 334-4545. thank them, in advance, on neys are an important and would like to remind you that the probate behalf of Probate attorneys often times comprehensive courts and the probate attorneys will still everywhere. solution to the problem. get along quite fine without your adding to This will also catch peo- Avoiding probate at ple by surprise, wondering one’s passing away can be why is it that I am thanking accomplished in a num- them in advance. This al- ber of different ways. By lows me to explain that, as far, the most common a Probate attorney myself, I recognize that approach is to have assets jointly held or in the event of their disability or passing structure the assets with designated or away, that real estate or those financial as- listed beneficiaries. These beneficiary- ar sets will in all likelihood have to be admin- rangements sometimes don’t use the word istered by the Probate Court. “beneficiary”. In the stock brokerage/ More realistically, I explain to them that financial advisory area, we instead often probate of real estate and financial assets times see the phrase “Transfer on Death”, can be easily avoided, without the risk of often times abbreviated simply as “TOD”. giving up control of those assets. As an In the banking and credit union area, the additional bonus, at least in Rhode Island, same concept is generally expressed with probate avoidance can often times mean the words “Payable on Death”, which itself saving of a home from risk of loss for pay- is often times known solely by the initials ment of nursing home expenses. “POD”. How probate is avoided depends upon For assets which an individual does not whether one is focusing on probate during want to give up control over to possible one’s lifetime or probate after one has joint owners or for assets that cannot be passed away. Focusing on avoiding pro- structured with beneficiary designations, bate while alive, one easy solution is the which is often times the case for peoples’ implementation of powers of attorneys. I real estate, the preferred solution is a Revo- say “easy” keeping in mind that, like all cable Living Trust. Contrary to popular be- other legal documents, you should consult lief, not everyone needs a Revocable Liv- 4 February 2019 • Senior Digest Exploitation Continued from page 1

will be calling who can know the amount is even higher Rhode Island are using to protect seniors. $40 billion-dollar-a-year scamming indus- help him from going to because a lot of seniors don’t re- In addition to radio commercials and in- try. jail. “Please do what port falling victim to a financial the lawyer asks and scam. They are too embarrassed please don’t tell Mom to do so. However, if left un- and Dad,” the imposter challenged, new scams will be “Elder financial exploitation pleads. concocted and even more seniors Then comes the will lose their money at a time is a travesty that must phone call from the in their life when they can least fake and conniving afford to have their savings evap- lawyer who basically orate. not go unchallenged.” outlines his demands— This is why the Credit Unions what you need to do of Rhode Island, together with to keep little Johnny their colleague-credit unions in terviews used to raise greater awareness of And finally, you may wonder why credit By out of jail. Go quickly Massachusetts, New Hampshire elder financial exploitation, credit unions unions are taking up the fight? to your bank or credit Walter Laskos and Delaware—all members of a are also visiting community senior centers By continuing efforts to educate seniors union and withdraw a trade group called the Coopera- where they host a Lunch & Learn program, and caregivers on ways to stay safe and sizable sum of money, tive Credit Union Association— bringing together seniors, caregivers, law by working to raise greater awareness of usually $5,000 or more, from your check- have banded together to create CU Senior enforcement, credit union representatives, financial exploitation of the elderly, cred- ing or savings accounts. Then go to a Tar- Safeguard, an online training program of- and lawmakers to talk about different types it unions remain faithful to the values and get or Walmart and purchase gift cards to- fering education on ways to recognize the of scams, where one can turn for help and principles that distinguish them as financial taling the same amount. After you purchase signs of elder financial exploitation and what seniors can do to protect and defend cooperatives in today’s banking market- the cards, call the lawyer back for more in- what can be done in response. themselves. place. structions. CU Senior Safeguard comes in two ver- Elder financial exploitation is a traves- Most important, you are to do this as sions; one credit unions use to educate their ty that must not go unchallenged. Today, Walter Laskos is senior vice president of quickly as possible, and not explain to any- staff and provide them with certification on through the efforts of the Credit Unions of Strategic Communications at the Cooper- one why you are withdrawing the money the topic. A second version is designed es- Rhode Island, their credit union colleagues, ative Credit Union Association. He can be and buying all those gift cards otherwise pecially for seniors, their family members and community agencies and lawmakers reached at [email protected]. it will complicate the plan and prevent the and caregivers, so they, too, can recognize partnering with credit unions on this initia- lawyer from helping Johnny. the signs, learn about different ways scam- tive, plus programs like CU Senior Safe- Please, if you ever get a phone call like mers work, and become more aware of all guard, help is on the way to combat this this, HANG UP IMMEDIATELY! And, the resources available when a scam does don’t ever talk to that fake lawyer. Instead, occur or is suspected. call little Johnny to verify where he is and CU Senior Safeguard is free! Find it on- if he is OK. You will be surprised to dis- line at www.BetterValuesBetterBanking. cover that he is fine, and you were just the com along with a variety of recorded radio target of a financial telephone scam. and television interviews, podcasts, and Today, financial scams are ripping off se- links to local and state resources. niors to the tune of more than $40-billion The online training program is, however, dollars a year. That’s big business and we one of several tools the Credit Unions of

Expert-Curated Online Resource for Rhode Island Seniors, Caregivers and Professionals Awarded $2,000 Rhode Island – Deborah Burton, found- professional networks. er of Aging Easily, LLC, and creator of RI- The $2,000 award will be used to in- ElderInfo.com, an innovative online tool crease visibility of the RI Elder Info web- for senior care resources, was awarded a site to engage the more than 350,000 Se- $2,000 Award sponsored by Delta Dental niors, Caregivers and Aging Professionals of RI at the Social Enterprise Greenhouse in Rhode Island with particular emphasis (SEG) Health and Wellness Accelerator on underserved communities. Pitch Event on December 6. Deborah Visit RIElderInfo.com to learn more Burton is a gerontologist with over 30 about the resources available to Rhode years of experience helping Rhode Is- Island Seniors, Caregivers, and Profes- landers navigate the healthcare system. sionals. To learn more about Aging Eas- Burton participated in SEG’s 2018 Health ily, LLC, or to have individual questions and Wellness Accelerator, a three month answered, contact Deborah Burton direct- intensive business development program, ly at [email protected] or by calling to scale her business which aims to enable 401-585-0509. seniors to age safely at home and within the community of those that they love and care for. The SEG Accelerator award is given to high potential social entrepre- neurs that achieve significant milestones during the program and that demonstrate leadership in supporting fellow entrepre- neurs in the program. Aging Easily LLC launched RIEld- erInfo.com, the only expert-curated online resource for Rhode Island Seniors, Caregivers and Professionals. The site is tailored to the user and features specific resources for all 39 cities and towns and can be searched by topic. There is an Event Calendar of fun, educational or interesting things to do for Seniors and Caregivers–because aging isn’t just flu shots and Bingo! The Event Calendar for Professionals contains educational opportunities as well as opportunities to expand Senior Digest • February 2019 5 6 February 2019 • Senior Digest Saving Continued from page 1 Euer, Conley Introduce policies can assist American’s in accumu- called on the Rhode Island General Assem- Bill to Protect Federal lating retirement income by strengthen- bly to support state legislation to create a ing the nation’s Social Security program, basic, ready-to-go, privately-managed re- by states expanding access to low-cost, tirement plan for employees. The majority Workers from high quality retirement plans, and helping of small business owners who participated low-income workers save. “States across in the AARP Rhode Island survey agree Foreclosure, Default the nation are taking key steps to expand that state lawmakers should support a plan access to workplace retirement savings, to make it easier for small business owners with enrollment in state-based programs to offer their employees a way to save for During Shutdown this year starting in Oregon, Washington retirement. and Illinois. Other proposals to expand In 2016, the Rhode Island General As- STATE HOUSE – Sen. William J. paid because of the shutdown from long- coverage are on the national agenda but sembly considered AARP Rhode Island’s Conley Jr. and Sen. Dawn Euer have in- term financial consequences,” said Senator universal retirement plan coverage has so-called Work & Save legislation to assist troduced legislation to provide financial Euer (D-Dist. 13, Newport, Jamestown). not become a national priority. Finally, ex- working Rhode Islanders save for their protections to Rhode Islanders who have Senator Conley’s bill would serve as en- panding the Saver’s Credit and making it retirement years by establishing a Private gone unpaid as a result of the federal gov- abling legislation allowing municipalities refundable could help boost the retirement Employer IRA Program. But, with spi- ernment shutdown. in the state to pass their own savings of lower-income families,” notes raling state deficits and the administrative The bills are intended ordinances to provide the NIRS report. costs of the program, the legislation was to prevent federal relief from local Assisting Rhode Islanders to held for “further study” immediately kill- employees in the tax obligation Save for Retirement ing the legislation. state from loan for furloughed In 2016, AARP Rhode Island release a With America’s aging population, with foreclosure federal survey of 459 Rhode Island small busi- many not having adequate retirement and default workers. It ness owners (with up to 100 employee) to savings, Congress must move to strength- as a result provides determine their thoughts about employee en the Social Security program. But, the of unpaid broad lee- retirement benefits. Overwhelming, these Rhode Island General Assembly must look wages. way for business owners see a need for lawmakers for ways to expand access to workplace Sena- cities and to create a program to help working Rhode retirement savings through a state-based tor Eu- towns to Islanders to save for their retirement years. program. Not doing so may ultimately er’s bill choose According to the AARP telephone poll increase the state’s role in providing as- would the sort of findings of the small businesses, 76 percent sistance to an increasing percentage of allow sev- relief they say Rhode Islanders need a lot, some more low-income older Rhode Island. eral protec- wish to pro- encouragement to save for retirement. A tions for fed- vide and its whopping 82 percent agree that state law- Herb Weiss, LRI’12, is a Pawtucket writ- eral employees extent. makers should support small business er covering aging, healthcare and medical who are fur- “Third-quarter owners to offer employees a way to save. issues. To purchase Taking Charge: Col- loughed as a result of tax payments are Seventy six percent of the respondents lected Stories on Aging Boldly, a collec- a government shutdown, coming up, and hun- agree to being able to offer a voluntary, tion of 79 of his weekly commentaries, go suspending their obligations to dreds of Rhode Islanders are portable, retirement plans will provide to www.herbweiss.com make payments on credit accounts, mort- without the pay they expected. Fortunate- them with a competitive edge to attract or gages or rents for their primary residences, ly, there are many people in our communi- retain employees, notes the poll’s findings. and installment contracts such as for vehi- ties who want to help them. This bill would Most small business owner respondents cles or insurance premiums. It would also allow cities and towns around the state to provide them a stay or postponement of all do just that, in whatever way works best civil proceedings in civil or district court. for them, whether that’s a grace period, “Nobody should lose their home or their waiving penalties or something else. Our car or go into default on their student loans communities have reached out to us asking as a result of this shutdown. Employees what they can do, and this will give them are either locked out or have been working the flexibility to help in the way that they without pay, and this financial hardship is determine suits their needs,” said Senator no fault of theirs. Just as we afford similar Conley (D-Dist. 18, East Providence, Paw- protections to deployed service members, tucket). we should protect those who are going un-

SENIOR DIGEST RESTAURANT GUIDE

Call us at 508-336-6633, ext. 337 to reserve your space Senior Digest • February 2019 7 Rep. McNamara Introduces Algiere Reform Bills Would Legislation to Mandate the Institute Line-item Veto, Creation of a Text-to-911 Create Inspector General STATE HOUSE – With the cospon- amendment to the state constitution giving Emergency System sorship of the entire Senate Republican the governor line-item veto authority. Caucus, Senate Minority Leader Dennis “Allowing the governor a line-item veto STATE HOUSE — Rep. Joseph M. Mc- “Situations where texting would be pref- L. Algiere has once again proposed two provides a way to remove objectionable Namara (D-Dist. 19, Warwick, Cranston) erable to calling include individuals who measures aimed at government reform: items from the budget without the reper- has introduced legislation that would al- are alone and choking, or those having an the line-item veto and the establishment cussions of having to veto the entire state low Rhode Islanders to text emergencies allergic reaction who are unable to speak,” of an inspector general to identify waste budget bill. Just having it there is a deter- to 9-1-1. said Representative McNamara. “Victims and fraud. rent that will prevent questionable spend- The bill (2019-H 5045) would direct of home invasions, store clerks threat- “The people of Rhode Island deserve ing proposals in the first place, and will the E-911 Uniform Emergency ened by robbers, or students effective government, one that strengthen our budget process,” Telephone Number Divi- or staff who are quietly is responsible with their tax said Minority Whip Elaine J. sion to establish a sin- hiding from an active dollars. Both the inspec- Morgan (R-Dist. 34, Hop- gle central state- shooter — these tor general and the kinton, Charlestown, wide text-to-911 are all reason- line-item veto would Exeter, Richmond, emergency able scenarios be tools to identify West Greenwich). system com- where tex- and prevent im- The second bill patible with ting would proper govern- would create the the present be prefera- ment spending, Office of Inspector emergency ble.” raising the integri- General, charged telephone The leg- ty of Rhode Island with preventing and number sys- islation, government. These detecting fraud, waste, tem. which is reforms would be sig- abuse and mismanage- “It’s hard cosponsored nificant progress toward ment in the expenditure of to believe by Repre- making our government one public funds. that this service sentatives that deserves the public’s con- The legislation would grant the in- doesn’t already Christopher T. fidence,” said Minority Leader Algiere spector general the authority to examine exist,” said Repre- Millea (D-Dist. 16, (R-Dist. 38, Westerly, Charlestown, South the procurement of supplies, services or sentative McNamara, Cranston), Mia Acker- Kingstown). construction by state government entities who chairs the House man (D-Dist. 45, Cumber- Currently, Rhode Island is one of only in Rhode Island. The inspector general Health, Education and Welfare Com- land, Lincoln), James B. Jackson six states that does not grant its govern- would be appointed by a majority vote of mittee. “There are many scenarios where (D-Dist. 26, West Warwick, Coventry ment line-item veto power, which allows the governor, attorney general and general people cannot talk or are unable to talk Warwick) and George Nardone (R-Dist. him or her to veto only a portion of a bill treasurer for a five-year term and would be either due to disability or where silence is 28, Coventry), has been referred to the without vetoing the entire piece of legisla- selected without regard for political affili- imperative in an emergency situation.” House Committee on Health, Education tion. Line-item veto power is often used by ation. The individual would have to have a The bill would require the system to be and Welfare. governors to eliminate specific programs demonstrated ability in accounting, audit- developed and commence operation by or spending measures within budget bills. Jan. 1, 2020. The bill would ask voters to approve an See Reform, page 10 8 February 2019 • Senior Digest

How to Drive Safely on Winter Roads

By James R. Healey, AARP Stop properly common on most cars, helps, but it can’t prevent all slick- Your car or truck probably has antilock brakes (ABS). road skids. Winter roads can be an unsafe, slippery mess. Even if They keep the wheels from skidding under hard braking. Pack heat you live in a warm spot, you benefit from knowing how to That lets you keep steering while stopping. If you were Blankets or small candles in containers can warm the drive safely on winter roads for the times you visit friends taught to pump the brakes, forget that with ABS. Safety inside of the car if you’re stranded. If you use candles, or family who do inhabit four-season states. folks preach, “Stomp, stay, steer.” Stomp, hard, on the open a window slightly because candles consume oxygen Here are some basics to keep you safe when the roads brake pedal. Stay on the pedal, hard, despite vibrations or and emit poisonous carbon dioxide. If you keep the engine aren’t. kickback. Steer around the danger instead of crashing into running to stay warm, also open a couple of windows a bit Check it. Not intuitive, perhaps, so practice at low speeds in an for fresh air in case there’s an exhaust-system leak — also Batteries weaken in cold. After three winters, yours empty parking lot or on a long driveway. poison — that could seep into the car’s interior. might need replacing. Turn on the headlights, then start the Avoid skid row engine. If the lights brighten when the engine is running, If the back end of the car or truck begins to slide side- your battery’s weak. Make sure windshield washer fluid ways on a slippery surface, turn the steering wheel the and engine antifreeze levels are full. same direction as the back end is moving. If it’s dancing Be ready out to the left, turn the wheel to the left; if right, turn right. Winter gear should include battery jumper cables, snow Otherwise you’ll turn the skid into a spin. Antiskid control, brush/ice scraper, cat litter or sand to put under slipping wheels if you’re stuck, small shovel, flashlight and batteries, phone charger, drinking water and snacks. Consider taking a container for bathroom use in case you get stuck inside the car. Keep plenty of fuel in the tank in case you must run the engine to stay warm during delays. All-season tires will handle light snow. For heavier snow, use snow tires or tire chains. See Clean the inside and outside of the windshield and rear window. Defrost and deice the windshield before you drive instead of hoping the defroster will handle it as you drive. Wipe snow and slush off your headlights. Be seen Keep your brake lights and turn signals as snow-free as possible. Use your headlights in daytime to make your vehicle stand out from the drab winter background. Have reflective triangles and/or a reflective vest to wear if you get stuck and need to exit the car for help. Go gently Trying to start too quickly, even with all-wheel drive or traction control, can leave you stuck in place. Abruptly changing speeds — up or down — can cause the tires to slip and spin. Safe driving on slick, wintery roads requires concentration. Photo courtesy ISTOCK. Senior Digest • February 2019 9

We Just Keep Working Everywhere I go I see line resources at aarp.org. I want to tell you about the lat- low- to moderate-income taxpayers at 5,000 locations in people our age still work- est. If you are looking for a job – a job that is truly right neighborhood libraries, malls, banks, community centers ing. Some, I’m guessing, for you – this can help whether it’s a new job or switching and senior centers nationwide. There’s no fee, and AARP are working part-time to positions. membership is not required. supplement retirement. Re- “Resume writing is crucial as more and more older- In Rhode Island, our volunteers prepared some 7,000 retirement isn’t what it used to workers stay in the workforce, often looking for new jobs, turns year at 35 sites. be. Here’s some information or even new careers,” says Susan Weinstock, AARP Vice “AARP Foundation Tax-Aide provides free tax assis- I would like to share. President for Financial Resilience Programs. “This excit- tanceto those who need it most,” says AARP Foundation The truth is, older working new service is a big step forward for those making a Vice President of Tax-Aide Lynnette Lee-Villanueva. “For ers are rocking the work- job change. Older workers can face unique challenges the past 50 years, Tax-Aide has provided help to millions force. According to a new in the employment market, and part of our mission is to of low- and moderate-income taxpayers. This worthwhile Bureau of Labor Statistics help them successfully navigate those obstacles and find program helps older adults by building economic opportu- survey, Americans 55 and rewarding work.” nity and social connections and enables them to preserve older make up slightly less The service, AARP Resume AdvisorSM, is powered by as much of their income as possible.” than a quarter of the nation’s TopResume, the largest resume-writing service in the Tax-Aide volunteers are trained and IRS-certified each labor force, but they filled world. It is available at https://www.aarp.org/work/re- year to ensure they know about and understand the latest almost half (49 percent) of sume-advisor It offers a free expert resume review. Job changes to the U.S. Tax Code. In 2017, the program’s vol- the 2.9 million jobs gained seekers will receive objective feedback on how effectively unteers helped 2.5 million people navigate complicated tax in 2018 — the biggest share of any age group. their resume communicates their skills and expertise, and codes, ensure proper credits and deductions, and file their Conversely, workers in the 25-54 age group, who make personalized recommendations to make it stand out from federal and state tax returns. Taxpayers who used Tax-Aide up nearly two-thirds of the workforce landed just 45 per- the competition. received $1.37 billion in income tax refunds and more than cent of the jobs gained. A report in USA Today reports that Additionally, AARP.org registered users and AARP $222 million in Earned Income Tax Credits (EITCs). They 39.2 percent of people 55 and older were working in De- members seeking in-depth assistance with their resume, also avoided tax preparation fees and pitches for high-in- cember 2018, the highest level since 1961. cover letter or LinkedIn profile can access preferred pric- terest tax credit or refund loans. There is a labor shortage right now and the need for ing to work with specialized experts who cater attention to To find an AARP Foundation Tax-Aide site or more in- experienced workers is at a high. Let’s get this straight: the needs of 50 and older job searchers, including ways to formation, including which documents to bring to the tax “Experienced” is not merely the politically correct word age-proof their resumes. site, visit aarpfoundation.org/taxaide or call 1-888-AARP- forcalling someone old. It means, well, experienced. For Whether you worked or not in 2018 it will soon be time NOW (1-888-227-7669). AARP Foundation Tax-Aide is employers, hiring someone with knowledge, skills and a to file your tax return. So it is timely that I remind you offered in conjunction with the IRS. long track record of reliable performance is like striking that now through April 17, AARP Foundation is providing gold. free tax assistance and preparation through its Tax-Aide Kathleen Connell is State Director of AARP Rhode Is- And I’m not talking about jobs no one wants. Some 40 program. AARP Foundation Tax-Aide, celebrating its 50th land. Find helpful resources for caregivers and their fam- percent of older Americans are in management or profes- year, is the nation’s largest free tax assistance and prepa- ilies at www.aarp.org/RICaregiving. sional roles. And workers 65 and older with management ration service. Since its inception, the program has served experience and qualifying for Medicare (saving employee more than 50 million taxpayers. benefits costs) can be platinum. Tax-Aide started in 1968 with just four volunteers work- Where is AARP on this? We have a broad range of on- ing at one site. Today, nearly 35,000 volunteers serve Ignorance is not Bliss Letter Each and every day we prescription drugs before their catastroph- are inundated with the con- ic coverage kicks in. So, while we become stant chaos in Washington. saturated with the other nonsense we are to the At times there does not too tired to pay attention to the real issues. seem any way to escape it I am certain that pay cuts did not affect Editor in newspaper articles, mag- any senators or representatives during the azines and the media. In shutdown. It was very heroic for some of the midst of this confusion them to say they were not taking a salary About the BOLD Act seniors and their caregiv- or donating the salary to charity. Seniors ers have to stay focused on living on fixed incomes would not have The Alzheimer’s Association estimates there are more than five mil- what is really happening the luxury of donating their monthly in- lion Americans living with Alzheimer’s disease and more than 16 million behind the scenes. Last year come. It is also a fact that few of them in Alzheimer’s caregivers. As an Alzheimer’s advocate, it is my honor to Congress passed their tax office made the sacrifice of risking their represent them. law, adding $1.9 trillion to lives in wars so that this country could re- Congress just passed the Building Our Largest Dementia (BOLD) In- By frastructure for Alzheimer’s Act with a strong bipartisan vote/the Build- the Federal deficit over the Kathleen Heren main free, yet the elderly are the first ones next ten (10) years. The along with the disabled and the poor that ing Our Largest Dementia (BOLD) Infrastructure for Alzheimer’s Act is old worn-out song is the become targets of cut benefits. now law, and I want to thank our members of Congress for championing tax cuts will pay for them- The National Council on Aging con- this meaningful legislation. The BOLD Act will allow effective Alzhei- selves. No, they won’t. What will happen in the ducted a survey on Americans age 60 and over, mer’s public health interventions to be implemented across the country. coming year is Congress will attempt to even the along with various professionals who work with Thanks to Congress’ support for the BOLD Infrastructure for Alzhei- deficit by asking for massive spending cuts in so- the elderly to address the concerns and needs of mer’s Act, we will now be better able to fight this devastating disease as cial service programs. The programs that serve the this aging population. It is no surprise that the fol- we continue to work towards our vision of a world without Alzheimer’s poor, the disabled, the homeless, and last but nev- lowing concerns were maintaining good health, – and we look forward to seeing our Congressmen continue to prioritize er least, seniors. You have already seen the cost staying at home, giving up driving, financial se- this disease as a public health crisis that must be addressed. of living raise given to Social Security recipients curity, increase in living costs, and social support. Every 65 seconds someone develops Alzheimer’s disease – which is is only going to go to the increased amount se- It is of the highest priority to help them achieve why Congress must remain committed to action on this devastating dis- niors received in their Medicare rate. Drastic cost these goals. Become as involved as you can in ease. According to the Alzheimer’s Association 2018 Alzheimer’s Dis- raises for older and low income families causing making your voice heard whether it’s for yourself ease Facts and Figures, by 2050, the total cost of care for Alzheimer’s is millions of Americans to become uninsured. Ul- or loved ones receiving long term care. A Thom- projected to increase to more than $1.1 trillion. The report also revealed timately, the cuts to Medicaid will fall on seniors as Jefferson quote should remain in your mind: that Alzheimer’s-related costs have soared to $277 billion in the last year, receiving long term care services. Let’s also not “The care of human life and not its destruction is including $186 billion in costs to Medicare and Medicaid. forget out-of-pocket costs on seniors for services. the first and only legitimate object of good gov- Passage of the BOLD Infrastructure for Alzheimer’s Act underscores The plan some congressmen have in mind does ernment.” Ask yourself: Does this apply to our how elected officials are working together to address Alzheimer’s as a nothing to address the route-causes of high health seniors? “Most certainly.” public health crisis – not just from a funding standpoint, but also from a care costs like price gouging by pharmaceutical caregiver standpoint. companies. You can see how well the drug com- Kathleen Heren is executive director of the By applying a public health approach to reduce risk, detect early panies listened to the president. The moment he Rhode Island Long-Term Care State Ombudsman symptoms, and advance care, representatives in Washington are helping complained about rising drug costs, some com- Office. Contact her at (401) 785-3340 or 888- to change the trajectory of this devastating disease. panies raised the prices again. Another budget 351-0808. cut that is being considered is to cut $59 billion - Eric Creamer dollars from requiring beneficiaries in the Part D coverage gap to pay higher out-of-pocket for their 10 February 2019 • Senior Digest Bring Comfort to an Ill Friend When someone you doctor visits, or to pick up needed items). telephone or send cards or notes to show support. know is diagnosed with a Taking Instrumental Help Final Thoughts serious illness, you may Care Assist in practical ways to help your friend concentrate Remember that emotional support and time are the two want to reach out to that on treatment and ensure needed rest. Walk the dog, run most valuable gifts you can give a friend who is grappling individual but feel unsure errands, perform household chores or drive him or her to with a major health problem. of what to say or do. This appointments or on errands. Offer to get information about People who are ill don’t expect friends to provide an- uncertainty can keep you community resources that may be of assistance. swers to difficult questions such as, “Why did this happen away at the time when your Maintaining The Relationship to me?” or to take away their pain. help is needed the most. The Keep in mind that you may have to be the one who What they do want and need is the comfort of knowing following are some ways to makes most of the effort in terms of staying connected. they are not alone. show that you care. When planning a visit, call ahead to determine the best day Emotional Support and time to come over. Be sensitive to signs of fatigue in Lisa M. Petsche is a social worker and a freelance writ- Don’t agonize over what By your friend that signal you should conclude the visit. er specializing in boomer and senior health matters. to say. Keep it simple and Lisa M. Petsche Treat your friend the way you always have. Don’t hesi- heartfelt — for example, tate to smile or tell a joke. Be yourself. “I’m here for you.” Don’t be Listen non-judgmentally, demonstrate compassion and afraid to share your emotions. Remember, too, that a touch don’t give unsolicited advice. Instead, provide words of of the hand, a pat on the shoulder or a hug can often convey support and encouragement. support and caring better than words. Encourage your friend to take one day at a time and to Educate yourself about the disease to understand the trust that he or she will be able to cope with whatever lies challenges your friend faces. ahead. Allow him or her to express emotions freely. Serious ill- Don’t underestimate the pain — physical, emotion- ness affects people physically, mentally, emotionally and al and spiritual — your friend may be experiencing and spiritually. But although there may be similarities, no two don’t discourage tears or urge him or her to “be strong.” people experience it the same way. Feelings may include Don’t withhold your own tears, either — they are a sign shock, anxiety, fear, anger, guilt, sadness, loneliness and that you care. hopelessness. Take cues from your friend as to how he or she wishes Recognize and accept that people cope with illness in to deal with the illness; don’t make assumptions. different ways. Some may alter their priorities and life- Encourage your friend to practice self-care, including style while others may choose to carry on as usual. Some proper nutrition, exercise (if appropriate), getting ade- may use humor as a coping mechanism while others may quate rest and avoiding unnecessary stress. Also encour- become introspective or more spiritual. Don’t take bad age him or her to keep medical appointments and offer to moods or uncharacteristic behavior personally. come along for emotional support. Spiritual Support Help a female friend feel good about her appearance. If you are praying for your friend, let him or her know Offer to style her hair or do her nails, or bring her an at- this. Offer to pray together if you think your friend would tractive new accessory, such as a scarf or costume jewelry. be receptive. Bring a surprise gift, such as flowers or a favorite movie, If your friend is connected with a faith community, offer magazine or food treat. to look into available social ministries, such as telephone Invite your friend on an outing, if feasible, keeping in support, friendly visiting and transportation (to church or mind any energy limitations. If the person declines visits,

VA Suspends Changes to Caregiver Program

Did you sign up for a gym membership Check YouTube on the Internet. Sample The Department of Veterans Affairs or more activities of daily living. Current- as a way to fulfill your New Year’s resolu- types of exercise you’ve never tried. Yoga recently asked for public comment about ly the eligibility date is injury on or after tion to get fit? If so, good for you. If not, comes in many varieties. Tai chi and qi proposed changes to the Family Caregiv- Sept. 11, 2001. also good for you. gong are similar but not the same. Look er program, and many of you must have The proposed changes to the caregiver A gym membership is only as good as for workouts with hand weights or seated replied because it has now program would take place your determination to use it, and there are exercises. Google “seniors exercising at issued a press release. over two years. The many reasons not to sign up. At the first home” for ideas. Officials de- clock starts when of the year you’ll be one of many who Opt to have a few pieces of equipment at clared a mora- the VA proves to joined, and the gym might be crowded. If home and alternate days with walking, ei- torium on its Congress that it you get on a schedule of going on certain ther outdoors or at an indoor facility like a practice of has implement- days, something likely will come up to mall on days when you need to run errands discharging ed the required break your routine, possibly bad weather. anyway. Ask your doctor to suggest a few or decreas- information If you’ve signed a contract, that money is pieces of equipment. ing caregiv- technology sys- coming out of your account every month Working out at home is free, private, ers, citing the tem upgrades. no matter what. You’ll likely need to drive with no waiting for equipment and no “inconsistent Changes also to the gym, and you might feel like you driving to the gym. application include expand- need to buy workout clothes or a gym bag. If you still want to join a gym, wait a few of eligibility ing the caregiv- On the other hand, if you’re determined months. Most of the people who signed up requirements er program to to exercise and don’t want to spend money as a resolution will be gone. by VA med- include veter- on a gym membership that you might not ical centers.” ans from World use, there are ways to work out at home. (c) 2019 King Features Synd., Inc. Meanwhile, the War II, Korea and VA will continue the Vietnam era. processing applica- A new addition to the tions for caregivers based on current eli- program will include veterans who need Reform gibility criteria. regular or extensive instruction or super- Continued from page 7 Since 2011, the caregiver program has vision to be able to function in daily life. assisted more 38,000 family members, Another proposal would expand services ing, financial analysis, law, management bolstering the public’s faith in govern- mostly wives and mothers, who receive for financial planning and legal services analysis, public administration, investiga- ment,” said Senior Deputy Minority Lead- a monthly stipend ranging from $600 to for injured veterans and their caregivers. tion, or criminal justice administration. er Thomas J. Paolino (R-Dist. 17, Lincoln, $2,600, depending on what assistance the Go online to www.caregiver.va.gov and “Taxpayers are entitled to complete North Providence, North Smithfield). veteran needs and where they live. click around to find more information and accountability for the billions of dol- In addition to Leader Algiere, Minority Are you eligible for caregiver services? to download an application. You also can lars of their money that our state spends. Whip Morgan and Senior Deputy Minori- You might qualify if you have a serious learn about qualifying as a caregiver. Each An inspector general would be able to ty Leader Paolino, the Senate Republican injury (for example, loss of limbs, psy- veteran can have one primary and two sec- stop waste, identify mismanagement and Caucus includes Sen. Jessica de la Cruz chological trauma, mental disorder, trau- ondary caregivers as backup. crime, and prevent opportunities for mis- (R-Dist. 23, North Smithfield, Burrillville, matic brain injury) suffered in the line of use of public funds. This proposal is an Glocester) and Sen. Gordon E. Rogers duty and you need personal care for one (c) 2019 King Features Synd., Inc. investment that would save money while (R-Dist. 21, Foster, Coventry, Scituate). Senior Digest • February 2019 11

Veterans’ Experiences in Art and Words A Call for Art - Deadline March 15, 2019 Every member of the U.S. Armed Forces and their fam- exhibits, classes, workshops, monthly lectures and demon- Association is dedicated to educating, encouraging and ily members embark on a journey of experiences that are strations. Ranked as the #7 fine art festival in the country inspiring artists and art lovers throughout the community. both shared by many, and specific to each individual. Those by Sunshine Artist Magazine, WAA produces the annual Wickford Art Association hours are Tuesday through experiences can be complex and enduring - perhaps life- Wickford Art Festival featuring 200 plus fine art artists Saturday from 11:00 AM - 3:00 PM and Sunday noon long. Their impact and intensity may be hard to grasp for from around the world. The Festival was voted “Best to 3:00 PM. Admission to the gallery is free, open to the those outside the Armed Forces community. The Journeys Of” by Rhode Island Monthly Magazine and ranked #1 public, handicap accessible with free parking. For more in- Onward exhibit of 2D and 3D artworks, accompanied by in New England. As part of its community involvement, formation, contact Wickford Art Association at (401) 294- the artists’ written words, reflects the military experiences WAA hosts an annual scholarship competition and awards 6840 or visit http://www.wickfordart.org of veterans - retired or currently serving - or their family $3,000 to three of Rhode Island’s top public high school members. The exhibit creates an opportunity and forum seniors accepted into an art college. Exhibits and opening for artists to share their past experiences and their journeys receptions are free and open to the public. Wickford Art onward. Many veterans and their families want to tell their stories, but starting the dialogue can be difficult. Often, art can offer a common ground for those conversations to start. Communication is what this exhibit is all about. The Journeys Onward Call for Art is open to current or past members of the U.S. Armed Forces (i.e. Army, Navy, Marine Corps, Air Force, and Coast Guard), the Reserve Corps of the U.S. Armed Forces, or the National Guard; or a member of the immediate family (i.e. a parent, sibling, child (by blood, adoption, or marriage), spouse, grandpar- ent, or grandchild) of a current or past member of the U.S. Armed Forces (i.e. Army, Navy, Marine Corps, Air Force, and Coast Guard), the Reserve Corps of the U.S. Armed Missing Peace #10 by Paul Bouchard (veteran). Photo Forces, or the National Guard. All 2D and 3D media are courtesy the artist and Wickford Art Association. accepted and the exhibit is juried. Artists should reflect in their respective medium some aspect of the veteran experience. Please visit www.wickfordart.org to read the Jour- neys Onward prospectus then apply online. The deadline to apply is Friday, March 15, 2019 at 11:59 PM MST. Continuing its tradition of melding innovative art with community relevancy, the Wickford Art Association brings Journeys Onward to those who have participated in the military experience and those who have an interest in understanding that experience. With an opening reception on Sunday, May 19, 2019 from 1 to 3 PM, the exhibit runs May 17th through June 16th with related events including the screening of award-winning films and related presen- tations. Since 1962, the Wickford Art Association (WAA), a World Upside Down by Robin Beckwith (military family). Night Rescue by Cynthia Donato (military family). Photo non-profit arts organization, has hosted numerous fine art Photo courtesy the artist and Wickford Art Association. courtesy the artist and Wickford Art Association. 12 February 2019 • Senior Digest

Top Up and Coming Vacation Destinations If you’re thinking about a different vaca- Iceland, is known for its hot springs and snorkeling at the Ang Thong National Ma- dining, nightlife and local crafts. Accom- tion experience beyond the hiking trails. Take a tour rine Park and take a cooking class at the modations in Tahiti include overwater bun- usual destinations, consid- from Reykjavik to see the Samui Institute of Thai Culinary Arts. galows, with a staircase that will take you er some of the places that northern lights, with Sep- The South American country of Peru is right to the ocean. travel advisors have picked tember to April the optimal a natural destination for travelers interest- For help planning a trip to an up-and- as the top up-and-coming months for this dazzling ed in ancient history. You’ll want to visit coming destination, contact your travel international destinations. nighttime display. Summer- the spectacular ruins of Machu Picchu, a agent. Iceland is the top up- time, from April to Septem- 15th-century citadel built by the Incas high and-coming spot in Europe, ber, is the best time for a in the Andes Mountains. In Lima, the cap- Lucie Giguere is an agent and office according to the results of whale-watching voyage off ital, learn about Peru’s history by visiting manager of Travel Leaders/Travel Ad- a survey of 1,000 North of Iceland’s coast. Museo Larco, with its collection of pre-Co- visors International at 500 Mendon Rd., American travel advisors conducted by Thailand draws travelers with its trop- lumbian artifacts. Spend some time in the Unit 1B, in Cumberland. Contact her at Travel Leaders Group as part of its annual ical beaches, ornate temples and ancient upscale Miraflores District, home to shops, (401) 725-1234 or [email protected]. trends survey. Peru topped the list for loca- ruins. In Bangkok, the Wat Pho temple bars and restaurants. Take a walk along the tions in Central and South America, with complex is known for its large collection Parque del Amor, known for its colorful Thailand number one for Asia/Southeast of Buddhist images. You can spend all day mosaics, flowers and gorgeous views of the Asia and Tahiti coming in at the top for the browsing at the Chatuchak Weekend Mar- Pacific Ocean. Pacific region. ket, with thousands of booths selling items Tahiti is the largest island in French For travelers who want to explore na- from all over the country. The 18th-century Polynesia, offering visitors both a relaxing ture, Iceland offers a breathtaking land- Grand Palace complex, in the heart of the beach vacation and plenty of water-based scape of mountains and glaciers, waterfalls city, is a must for any first-time visitor. Af- activities. You can relax and bask in the and black-sand beaches. Enjoy a relaxing ter a few days in Bangkok, head to one of sunshine as well as enjoy swimming, snor- dip in the waters of the Blue Lagoon, a Thailand’s beach resorts. Koh Samui, Thai- keling and surfing. Head to La Plage de geothermal spa that’s just 40 minutes away land’s second-largest island, offers lots to Maui, on the island’s southern shore, for from the lively capital of Reykjavik. Land- do in addition to sunbathing. Walk through soft white-sand beaches and calm, clear mannalaugar National Park, in southern the night market at Fisherman’s Village, go water. Papeete, the capital, is a center for Macchu Picchu. Photo courtesy fodors.com

The Blue Lagoon. Photo courtesy Reykjavik and the mountains beyond. Wat Pho and the Grand Palace complex. The Papeete waterfront. Photo courtesy iamreykjavik.com Photo courtesy iamreykjavik.com Photo courtesy getyourguide.com tahiti.com Senior Digest • February 2019 13

Trinity Rep Presents Modern Retelling of Shakespeare Drama Macbeth Thrilling and Suspenseful Production Runs January 31 - March 3 Providence, RI: Trinity Rep will continue its 2018-19 on Friday, February 11 at 6:00 pm at Butler Hospital’s Ray Season with the electrifying tale of Macbeth – a Shake- Conference Center in Providence. At this free event, pan- spearean thriller that bursts at breakneck speed with more elists from the community will discuss a topic surrounding suspense, murder, and madness than a blockbuster film. the show. Christina Bevilacqua, Trinity Rep’s conversa- Directed by Curt Columbus, who was most recently at the tionalist-in-residence will moderate the discussion. helm of last spring’s Ragtime, this contemporary telling This production of Macbeth is part of Shakespeare in of the famously-cursed play will include a live DJ and American Communities, a program of the National En- elements of magic. Featuring resident acting company dowment for the Arts. Trinity Rep is one of 40 professional member Mauro Hantman as the future King of Scotland, theater companies selected to participate in bringing the Macbeth runs January 31 – March 3 with press opening on finest productions of Shakespeare to middle and high- Monday, February 4 at 7:30 pm. Tickets start at $25. More school students in communities across the United States. information can be found at www.trinityrep.com/macbeth. Executive Director Tom Parrish said, “The Shakespeare Tempted by the eerie visions of three mysterious witch- production is often an important centerpiece of our edu- es and pushed by his ruthless wife, Macbeth is determined cational offerings, and this year is no exception. Through to grab what he wants — the throne of Scotland. Un- Project Discovery, Trinity Rep’s signature education pro- checked greed and ambition fuel his bloody rise to power, gram, over 3,000 students will experience this production, but his ego ultimately brings about his brutal end, while along with comprehensive standards-based study guides, Lady Macbeth’s guilt and paranoia lead to one of theater’s classroom residencies, workshops, and post-performance most riveting descents into madness. discussions with the actors and artistic team. Since its in- The Arthur P. Solomon and Sally E. Lapides Artistic ception in 1966, Project Discovery has introduced over 1.4 Director, and director of Macbeth, Curt Columbus, said: million young people to the power of live theater.” “I’ve been thinking a lot about why we continue to pro- The production is supported by Shakespeare in Amer- duce William Shakespeare in the 21st century, how it can ican Communities: National Endowment for the Arts in have meaning for our audiences, what 400-year-old texts partnership with Arts Midwest. The media sponsor is The can have to say in the digital content age. Our production Providence Journal. The 2018-19 Season Sponsors are of Macbeth only happened because I feel that there is an Photo courtesy trinityrep.com Ocean State Job Lot and Rhode Island Council on the Arts. urgent need to tell this story, today. I believe we need sto- Southwest is the official airline of Trinity Rep. ries about the cost of blind ambition in our culture right Sullivan, Jr., as Ross, Rachael Warren as Lennox, and Trinity Repertory Company now and about the triumph of honor over that ambition. Stephen Berenson, Janice Duclos, and Phyllis Kay as The Rhode Island’s Tony Award-winning theater, Trinity Macbeth is a vivid telling of that very tale, with some of Witches. Brown/Trinity Rep MFA students Aman Soni ’19 Rep has created unparalleled professional theater for and the most beautiful, clear language available in any Shake- will play Malcolm and Viraj Ghandi ‘19 will play Donal- with its community since its founding in 1963. Trinity Rep speare play, as well as a thrilling opportunity for a sexy, bain with alumna Julia Atwood ’17 as Lady Macbeth and strives to facilitate human connection and has been a driv- haunting staging. It was the first Shakespeare I encoun- guest artist and Trinity Rep conservatory graduate Alex ing force behind the creativity that fuels and defines the tered at the age of twelve, and it has remained a story that Platt ‘02 as MacDuff. region for more than 50 years. speaks to me over forty years later. I can’t wait to share it Community Partnerships and Special Events Trinity Rep is committed to reinventing the public with Trinity Rep’s audience.” for Macbeth square and inspiring dialogue by creating emotional- Cast and Creative Team Continuing Trinity Rep’s tradition of offering affordable ly-stimulating live productions that range from classical to Director Curt Columbus has been Trinity Rep’s artistic tickets for all, the theater will have discounted previews contemporary and innovative education programs for all director since 2006. His Trinity Rep directing credits in- of Macbeth. Thursday, January 31 is a Pay What You Can ages and abilities. Its annual production of A Christmas clude last season’s transformative musical Ragtime. In ad- performance. Pay What You Can tickets go on sale at 6:30 Carol has brought families together for 41 years and made dition to directing more than a dozen other productions at pm that evening, and are limited to one per person. memories for over a million audience members. Trinity Rep, he is also an accomplished playwright, trans- Other special performances for Macbeth include an The 2018-19 Season includes Pride & Prejudice by Kate lator, and adaptor. He directed his translation of Uncle Van- Open Captioned performance for the show on Sunday, Hamill, black odyssey by Marcus Gardley, a special lim- ya at the Gamm Theater in 2018. February 3 at 2:00 pm and Wednesday, February 13 at 2:00 ited-engagement of An Iliad by Lisa Peterson and Denis Columbus will be working alongside Michael McGarty and 7:30 pm. The Next Generation Night will be held on O’Hare, Macbeth by William Shakespeare, The Song of (set design), Andrew Jean (costume design), Oona Curley Thursday, February 7 and includes a pre-show reception Summer by Lauren Yee, Little Shop of Horrors with book (lighting design), and Peter Sasha Hurowitz (sound design) for the next generation of theater-goers. The Teens Talk and lyrics by Howard Ashman and music by Alan Menken, with Nate Dendy (Magic Design) and Viraj Ghandi (DJ). performance will be held on Friday, February 8, which and José Rivera’s Marisol. The cast of this production features resident company features Trinity Rep’s Teen Ambassadors discussing their For more information on our 2018-19 Season, call the members Mauro Hantman as the ill-fated Macbeth, Ste- perspective on the show following the 7:30 performance. box office at (401) 351-4242 or visit Trinity Rep’s website phen Thorne as Banquo, Timothy Crowe as Duncan, Fred A Context & Conversation panel discussion will be held at www.TrinityRep.com.

The Community Players Present Almost Maine, the Mystical Love Story We All Need This Winter Welcome to Almost, Maine, a place that’s so far north, and hilarious ways. Knees are bruised. Hearts are broken. entered into a drawing for a chance to go home with a it’s almost not in the United States. It’s almost in Canada. But the bruises heal, and the hearts mend almost in this special prize! Performances are February 22, 23, 24 and And it’s not quite a town, because its residents never got delightful midwinter night’s dream. March 1, 2, 3. Fridays and Saturdays at 7:30 pm and Sun- around to getting organized. So, it almost doesn’t exist. Directed by Valerie Remillard, this romantic comedy days at 2:00 pm, Tickets are $18 for adults and $12 for One cold, clear, winter night, as the northern lights hover written by John Cariani, is the perfect excuse to escape students. Purchase e-tickets online and print at home (and in the star-filled sky above, the residents of Almost, Maine the winter doldrums for an evening or afternoon at the the- avoid the line!) at www.thecommunityplayers.net, or re- find themselves falling in and out of love in unexpected atre. Audience members attending opening night will be serve at (401) 726-6860.

Photos courtesy thecommunityplayers.net 14 February 2019 • Senior Digest How to Save Money on Your Medication Dear Savvy Senior, plan offers preferred phar- ance. For example, chains like Target and I take several medica- macies or offers a mail-order Walmart offer discount-drug programs that tions for multiple health service. Buying your meds sell generics for as little as $4 for a 30-day conditions and the prices from these sources can save supply and $10 for a 90-day supply if you keep going up, even with you some money too. pay out-of-pocket. While some insurance insurance. Can you recom- Talk to your doctor: companies charge a $10 copay for a 30-day mend any tips that can help Ask your doctor if any of supply. me save? the medications you’re cur- Also ask your pharmacy if they offer a - Price-Gouged Patty rently taking can be reduced drug discount card program and compare Dear Patty, or stopped. And, find out if costs with your insurance plan. You can The rising cost of pre- the ones you are taking are also find free drug discount cards online scription drugs is a prob- available in generic form. at sites like NeedyMeds.org, which can be lem that stings millions of About 80 percent of all pre- used at most U.S. pharmacies. Americans. While there’s mium drugs on the market Shop online: You can also save by us- no one solution, there are today have a lower-cost al- ing an online pharmacy like HealthWare- some different strategies ternative. Switching could house.com but be sure to use an online re- and resources that can help save you between 20 and 90 tailer that operates within the U.S. and is reduce your drug costs, so By Jim Miller percent. licensed. The site should display the VIPPS you can afford what you Ask for a three-month symbol, which shows it’s a Verified Inter- need. Here are several to prescription: This can be net Pharmacy Practice Site. consider. significantly cheaper for drugs you take Search for drug assistance programs: If you have insurance, know your drug long-term. If you use insurance, you’ll pay If your income is limited, you can probably formulary: Most drug plans today have one co-pay rather than three. get help through drug assistance programs formularies (a list of medications they cov- Split your pills: Ask your doctor if the offered through pharmaceutical compa- er) that place drugs into different “tiers.” pills you’re taking can be cut in half. Pill nies, government agencies and charitable Drugs in each tier have a different cost. A splitting allows you to get two months’ organizations. To find these types of - pro drug in a lower tier will generally cost you worth of medicine for the price of one. If grams use sites like BenefitsCheckUp.org, less than a drug in a higher tier, and higher you do this, you’ll need to get a prescrip- PatientAdvocate.org, RxAssist.org and tier drugs may require you to get permis- tion from your doctor for twice the dosage NeedyMeds.org. sion or try another medication first before you need. you can use it. Find and use online discounts: Start by Send your senior questions to: Savvy Se- To get a copy of your plan’s formulary, trying GoodRx.com, BlinkHealth.com or nior, P.O. Box 5443, Norman, OK 73070, visit your drug plan’s website or call the WeRx.org. They will ask for the name of or visit SavvySenior.org. Jim Miller is a 800 number on the back of your insur- the drug, the dose, the number of pills, and contributor to the NBC Today show and ance card. Once you have this information, where you live. Then they will show you author of “The Savvy Senior” book. share it with your doctor so, if possible, he what you can expect to pay at various phar- or she can prescribe you medications in the macies if you use their discount coupons or lower-cost tiers. Or, they can help you get vouchers, which you can print out or down- coverage approval from your insurer if you load to your phone to show a pharmacist. need a more expensive drug. Pay cash: Most generic medications You also need to find out if your drug cost less if you don’t use your insur- Senior Digest • February 2019 15 Rep. Vella-Wilkinson Trinity Rep Call Hosting Capitol Television for 2019 Rhode Island Program Called Pell Award Nominations Veterans Front and Center June 3rd Gala to Honor STATE HOUSE — Rep. Camille F.J. preserve our military history. It’s a more Local Artists for Excellence Vella-Wilkinson (D-Dist. 21, Warwick) productive method of showing respect for has begun cohosting a monthly veter- our Defenders of Freedom than just wear- Providence, RI: Trinity Repertory Com- landmark legislation that established the ans program on Capitol Television called ing a yellow ribbon.” pany invites the public to nominate out- National Endowments for the Arts and Hu- Veterans Front and Center with The first episode, which aired standing local artists for the 2019 Rhode manities in 1965, and chaired the Senate Capitol TV Director Margie on Wednesday, Jan. 30, at 8 Island Pell Awards for Excellence in the Education and Arts subcommittee. Pro- O’Brien. p.m., focused on hous- Arts. The Pell Awards’ criteria include dis- ceeds from the Pell Awards Gala support The program high- ing opportunities for tinction in the artist’s chosen field, work artistic programming at Trinity Rep. lights military veter- veterans, along with that significantly advances the art form Past Rhode Island Pell Award winners ans’ issues as well alternative therapy and contribution to the betterment of the for Excellence in the Arts include last as share “war sto- programs for U.S. community, and the world at large through year’s 2018 winner, Morris Nathanson, as ries” about Rhode military veterans artistic presence and community service. well as John Benson, Howard BenTré, Dan Island veterans. and their fami- Awards will Butterworth, The idea for the lies struggling be presented Len Cabral, show came from with emotional at the the- Charlene the House Veterans challenges such as ater’s gala Carpenzano, Advisory Commit- post-traumatic stress event on John Chan, tee, which wanted the disorder, anxiety, de- Monday, June Bob Colon- general public to be better pression, military sexu- 3, 2019 at the na, Robert informed about the state’s role al trauma and mild traumatic WaterFire Arts Center in Providence. Coover, Umberto “Bert” Crenca, Richard in national defense as well as matters of brain injury. Nominations are due by 11:59 pm on Cumming, Ruth Frisch Dealy, Tony Estrel- importance to veterans and their families. Veterans Front and Center is being Sunday, February 3, 2019. Nominations la, Richard Fleischner, Peter Geisser, Mal- “I sincerely hope members of our vet- broadcast on Capitol Television, which require the artist’s name, contact informa- colm Grear, Michael Harper, Bunny Har- eran community will reach out to me to can be seen on Channel 61 by Cox Com- tion, and a brief description of their work vey, Dorothy Jungels & the Everett Dance share their ideas and stories,” said Repre- munications, Channel 1061 by Cox HD and the contributions that they have made Theatre, George Kent, Eugene Lee, David sentative Vella-Wilkinson, a retired naval customers, Channel 34 by Verizon viewers to Rhode Island. Complete the online form Macaulay, Salvatore Mancini, Dave McK- officer. “My goal is to use this venue as and Channel 15 for Full Channel subscrib- at www.trinityrep.com/pell, or mail nomi- enna, Barbara Meek, Denny Moers, Tim- a bridge to the Library of Congress’ Vet- ers. It is also streamed at www.rilegisla- nations to: RI Pell Awards Selection Com- othy Philbrick, Ricardo Pitts-Wiley, Duke erans History Project. Let’s chronicle and ture.gov/CapTV. mittee, Trinity Rep, 201 Washington St., Robillard, Thomas Sgouros, Sr., Consuelo Providence, RI 02903. Recipients will be Sherba, Gretchen Dow Simpson, Maria announced in March. Spacagna, Judith Lynn Stillman, Chris Van The Pell Awards were established in Allsburg, Paula Vogel, Keith and Rosmarie 1997 to honor Senator Claiborne Pell and Waldrop, William Warner, Rose Weaver, recognize artistic excellence in Rhode Steven Weinberg, and Toots Zynsky. Island, the New England region and na- For more information or to purchase tionally. Throughout his life, Senator Pell tickets, sponsorships or ads for the 2019 worked to support the arts and provide new Pell Awards Gala, visit www.trinityrep. East Bay Community Action Program is a private, non-profit 501 opportunities for artists. He sponsored the com/pell. (c) (3) corporation that provides a wide array of health and human services to the residents of Rhode Island’s East Bay, including the municipalities of East Providence, Barrington, Warren, Bristol, Little Compton, Tiverton, Portsmouth, Middletown, Newport, and Jamestown. February 2019 • Senior Digest King Features Weekly Service 16 February 29, 2016

1. GAMES: 1.How GEOGRAPHY: much do youWhat have river flowsto pay if you land CLUES ACROSS through the Grand Canyon? on the “Income2. Tax”MUSIC: space Who in sang Monopoly? the pop hit 1. -- about (spread the “School’s Out”? 2. LANGUAGE:3. LANGUAGE: What does What the is the Greek subject prefix “poly” word) mean in English?studied in zythology? 4. MOVIES: In “Ace Ventura: Pet 6. Utters 3. GEOGRAPHY:Detective,” What what kindis the of creaturecapital was of the island of Jim Carrey looking for? 12. Grads Fiji? 5. ANIMAL KINGDOM: What is a group of ants called? 13. Recluse 4. FOOD &6. DRINK: MATH: What What is theis namethe substanceof an in chili peppers that makesangle that the is moretongue than burn? 90 degrees but 14. Gymnosophist’s practice less than 180 degrees? 5. SCIENCE:7. WhatHISTORY: does Which the acronym country gave DNA stand for? 15. Incompetent the Statue of Liberty to the United 6. MATH: WhatStates? is the top number of a fraction called? 16. Vicinity 7. U.S. PRESIDENTS:8. INVENTIONS: What Who was invented the the Secret Service mercury thermometer? 17. Sicilian spouter code word for 9.first CHEMISTRY: lady Michelle What element Obama? does the Br symbol stand for? 19. Tier 8. LAW: What10. isANCIENT the 10th WORLD: Amendment Which keyto the U.S. Con- stitution about?figure in the Trojan War was described 20. Onetime NYC mayor in literature as having “the face that 9. ANATOMY:launched What a thousand is the ships”?rarest blood type in human 22. Writer Buscaglia beings? Answers 1. Colorado 24. Sternward 10. MUSIC:2. The Alice film Cooper “Rhapsody in Blue” was about 3. Beer and beer making 27. Near the treasure the life of which4. A composer? dolphin 5. Colony 29. “Thin Man” dog 6. Obtuse Solutions on page 22

7. France King Features Weekly Service 32. Just one thing after 8. Gabriel Fahrenheit February 1, 2016 9. Bromine another? 10. Helen of Troy © 2016 King Features Synd., Inc. 35. Deserve 36. Arp’s movement 37. Poehler or Grant By Samantha Weaver CLUES DOWN 12. Literary collection 39. Back street 38. Panasonic competitor * It was Vladimir• It was AmericanIlyich Lenin, journalist communist and poet revolutionary and 1. Unclear view 18. Menaces 41. Disney pachyderm 40. Incline the first leaderMax Eastmanof the Soviet who madeUnion, the whofollow made- the following 2. Discourteous 21. Possess 42. Wild party sage observation:ing sage “One observation: fool can ask “People more questionswho in a minute demand neutrality in any situation are 42. Slithery squeezer than 12 wise men can answer in an hour.” 3. Eskimo boat 23. Chow down 43. Never again? usually not neutral but in favor of the 44. Not so much * Back instatus 1893, quo.” when the zipper was invented, the device 4. Officeholders 24. Expert 45. 41-Down’s “wings” was intended to be used for fastening shoes. 46. Radius neighbor • When you were in school, you may 5. It gets punched 25. Govt. lender 47. Noisy * When thehave TV had sitcom to memorize “The Addams the names Family” of was being cast 50. German Chancellor in the earlyall 1960s, 50 states. actor JohnYou Astinprobably came weren’t in to audition for the 6. Avoid 26. Seasoning herb 48. Schnozz role of Lurch,taught, the though,cadaverous that fully butler. half He of wasthose immediately re- Merkel names are derived from the languages 7. Punishment-related 28. Guaranteed 49. Illustrations jected for theof thepart. continent’s As he was native leaving peoples. the room, though, the pro- 52. Raise the anchor ducer spotted him, pulled him aside, and immediately offered 8. Geological time 30. Male turkey 51. Blunder • The declarations that the physical 54. Successful player him the rolebook of Gomezis dead have-- the been lead. overstated All he had (as to do was grow 9. Food of the gods 31. One or more 53. Neither mate 56. Eight English kings a mustache.I’ve always maintained). In a recent 10. Narc’s measure 33. Business abbr. * What dosurvey the wordsof college “obscene,” students, “tranquil,” 72 per- “mediate,” “ca- 57. Wear away tastrophe,” cent“dire,” of respondents “critical,” “vast”made known and “apostrophe” their have in 11. Crockpot creation 34. Hoosegow Solution on page 22 preference for print textbooks over common? Allebooks; of them only appeared 27 percent in ofprint this for youth the- first time in the works of Williamful, tech-savvy Shakespeare. demographic said they * As the preferredBlack Plague the electronic was sweeping version. Europe during the Mid- HOROSCOPES FOR FEBRUARY 2019 dle Ages, some• Those people, who forstudy reasons such things surpassing report understanding, believed thatthat plague beloved victims British could author cure themselvesCharles by smelling ARIES (March 21-April 20) LEO (July 23-Aug. 23) SAGITTARIUS human waste.Dickens was adamant that he always Your ability to talk circles Make plans to do the things sleep with his head pointing north. (Nov. 23-Dec. 21) * The UnitedHe even States carried isn’t a compassthe only withcountry him that has an ac- around your colleagues will you enjoy. A quiet restful day You can get ahead if you colade to recognizeeverywhere excellence to ensure proper in the position film industry.- Here the help you forge ahead in the work- just staying in bed or catching up are willing to take a partner. This is awards are ing.known as the Oscars, but other nations have their force. You will have to be careful on reading will be your best bet. Be a wonderful day to look into courses own names for• If you’rethe awards: a fan ofIn James Canada Bond, they’re you known as Ge- not to fall into traps set by jealous sure to get involved in self improve- or hobbies that interest you. This will nies, in Francemay they’rebe surprised Cesars, to in learn Russia that they’re Ian called Nikas, in Mexico Fleming,they’re Golden the creator Ariels, of inthat Spain notori they’re- known as colleagues. Someone may be trying ment programs that will bring you in not be the best day to make chang- ous character, also wrote the beloved to take advantage of you. Your cha- contact with interesting people. Your es or renovations to your residence. Goyas, andchildren’s in the United book Kingdom “Chitty-Chitty-Bang- they’re called Orange Brit- risma will no doubt attract a lot of tendency to overreact could get you Do not get involved in joint financial ish AcademyBang,” Film basedAwards. on bedtime stories the attention. into trouble. ventures. *** author made up for his young son. Thought for• If the you’re Day: traveling“The game in ofChina life isand the game of boo- propose a toast in someone’s honor, TAURUS VIRGO (Aug. 24-Sept. 22) CAPRICORN merangs. Our thoughts, deeds and words return to us sooner or later with astoundingbe sure you’re accuracy.” holding -- the Florence glass with Scovel Shin (April 21-May 21) Your ability to come up (Dec. 22-Jan. 20) both hands; only rude people — and You will do well in social with good solutions for prob- Rewards, gifts, or money (c) 2019 unenlightenedKing Features foreigners Synd., Inc. — use just settings, and new and interesting in- lems related to work will no doubt from investments or taxes can be ex- one hand. dividuals may spark a romantic curi- help you in getting a promotion. • Clyde Barrow was already a noto- pected. If you’re looking to do some- rious criminal when he wrote a letter osity. Look into ways to better your- Problems with your boss could lead thing worthwhile, consider volunteer Funto Henry By Ford The in 1934 complimenting Numbers self through improving your dietary to unemployment. Deception is prob- work. Uncertain changes regard- him on the “dandy” automobile he’d Like puzzles? Then you’ll love Sudoku. This habits and daily routines.Get busy able if you don’t use discrimination. made. The Ford V-8 was Barrow’s pre- ing your personal life are evident. mind-bending puzzle will have you hooked from the mo- on those home improvement proj- Don’t press your luck with your ferred getaway car. Just a month later, Get into fitness programs to keep in ment you squareBonnie andoff, Clyde so sharpen were killed your in pencil a sto- and put your ects that you’ve been procrastinating loved ones. shape. Your ambitious mood may not Sudoku savvylen Ford to the Deluxe test! V-8 in a shootout with about. Put your efforts into physi- go over well with loved ones. police. cal fitness programs or competitive LIBRA (Sept. 23-Oct. 23) *** sports. You may have a problem AQUARIUS Thought for the Day: “The with someone you live with (Jan. 21-Feb. 18) most potent weapon in the hands of the oppressor is the mind of the GEMINI (May 22-June 21) if you don’t include them in your Your attitudes at work will oppressed.” — Steve Biko You may interest some gathering. Investments that deal with open new avenues for you. You can © 2016 King Features Synd., Inc. of them in a service you have property will pay off but could cause make professional changes and di- to offer. Entertainment could conflict with some family members. rect your energy into making all the cost you more than you expect. This Curb or cut out that bad habit you’ve right moves. Go after your goals. You will not be the best day to make been meaning to do something about. can get into weight loss programs or changes or renovations to your resi- Partnerships may be strained if one go out and change your image with dence. Accommodate others but not of you has been erratic and hard to a new look in clothing, hairstyle, before you do your own thing. Do deal with. and attitude. Tempers will mount if the proper safety checks before you you’re too pushy at work or at home. go out. SCORPIO (Oct. 24-Nov. 22) Don’t let friends convince PISCES (Feb. 19-March 20) CANCER you that you should contribute Opportunities to learn im- (June 22-July 22) to something you don’t believe in. portant information will sur- Make changes to your Expect problems with settlements face through discussions with peers Here’s How It Works: row, column and box. You home that will be pleasing to ev- that you are trying to resolve. You or seminars you attend. Don’t invest Sudoku puzzles are for- can figure out the order in eryone involved. Get motivated and have to let go of your past if you wish too much of your own money. You matted as a 9x9 grid, bro- which the numbers will ap- follow up on some self-improvement to get out of any sentimental mood can get ahead if you work diligently ken down into nine 3x3 pear by using the numeric resolutions. You can make changes that might be hanging over your behind the scenes. Travel opportuni- boxes. To solve a Sudoku, clues already provided in that will enhance your appearance. head. You’ll communicate easily and ties must be taken advantage of. the numbers 1 through 9 the boxes. The more num- Try not to take others for granted. develop new friendships. must fill each row, column bers you name, the easier it Tempers could get out of hand this and box. Each number can gets to solve the puzzle! month. appear only once in each Solutions on page 22 Senior Digest • February 2019 17 IRS Gives a Small Break This Year to Those Who Underpay Taxes It’s not tax amnesty, but it is some meaningful leeway if your estimates were off for 2018 By Harriet Edleson, AARP have taxes withheld from your paychecks or pension, or, if you are self-employed or In the first year the new tax law is in ef- have earnings other than a salary, you make fect, the Internal Revenue Service is giving estimated quarterly tax payments. taxpayers a break if they inadvertently un- Some tax experts praised the IRS deci- derpaid their taxes some during 2018. sion but said it doesn’t go far enough. If you’ve paid at least 85 percent of the “It’s a great first step,” said Edward S. taxes you owe for 2018, the IRS is waiving Karl, vice president of taxation for the the estimated tax penalty the agency would American Institute of CPAs, who noted usually charge. In the past, you could avoid he would like more taxpayers to be able to the penalty if you paid 90 percent of what avoid the underpayment penalty. If some- you owed for the year. one has paid 80 percent of their taxes, for Because the 2018 tax year is the first instance, the IRS should waive the tax pen- affected by the Tax Cuts and Jobs Act of alty, he said. “There is enough uncertainty 2017, figuring out the correct withholding emanating out of tax reform,” he noted, for your salaried income, your quarterly es- with enough changes in the tax law for timated tax payments or a combination of 2018, that taxpayers could have inadver- the two can be difficult. tently paid less than they owe. GETTY IMAGES “We realize there were many changes In an interview, Karl said that while that affected people last year, and this pen- he would like to see the IRS make more with an adjusted gross income of less than To avoid not paying enough tax in the fu- alty waiver will help taxpayers who inad- changes to relieve the “burden on taxpay- $150,000. Karl suggested that percentage ture, taxpayers can use an updated version vertently didn’t have enough tax withheld,” ers,” there are things you can do, too, to be lowered to 80. of the agency’s online withholding calcula- IRS Commissioner Chuck Rettig said in a avoid getting dinged. He noted that safe Similarly, at present, a taxpayer with tor, available on IRS.gov, to calculate how statement. “We urge people to check their harbor estimated tax payments, paying an adjusted gross income of more than much to withhold or pay in quarterly pay- withholding again this year to make sure more than you estimate you owe, for in- $150,000 can avoid an underpayment pen- ments. they are having the right amount of tax stance, will help tax filers avoid an under- alty if he or she paid 110 percent of the tax To learn more about tax reform, read IRS withheld for 2019.” payment penalty. owed for the previous year, in this case, Publication 5307, Tax Reform: Basics for The U.S. tax system is pay-as-you-go, so At present, the IRS will not charge an 2017 (Karl would like 110 to become 100 Individuals and Families. taxpayers are required by law to pay most underpayment penalty if you paid 100 per- percent.) of what they owe during the year rather cent of the tax you owed for the previous If you are anticipating a tax bill for 2018, than at year’s end. This means you either year, in this case tax year 2017, for those check your withholding for 2019 now. Winter Safety Tips for Alzheimer’s Caregivers Now that winter is here, Prevent wandering. Enroll in the MedicAlert®- + Alz- those caring for a loved Living with heimer’s Association Safe Return® - a 24-hour nationwide one with Alzheimer’s or Alzheimer’s emergency response service for individuals with Alzhei- another dementia should be mer’s or other dementias who wander or have a medical cautiously aware that snow, emergency. extremely cold temperatures Ask for help. Request assistance with snow removal or and early darkness present ice removal, grocery shopping or other errands. a multitude of challenges. For other concerns or questions, representatives of the Caregivers may be unsure Alzheimer’s Association are always willing and able to how to best prepare for help. The Alzheimer’s Association is available 24/7 by these conditions when car- telephone at 800.272.3900. For additional information and ing for someone with Alz- resources visit alz.org/RI. heimer’s disease. However, About the Alzheimer’s Association the Alzheimer’s Association The Alzheimer’s Association® is the leading voluntary offers a few safety tips for health organization in Alzheimer’s care, support and re- navigating winter as a care- search. Our mission is to eliminate Alzheimer’s disease Congratulations giver. These are several tips By through advancement of research; to provide and enhance that caregivers can use: Eric Creamer care and support for all affected; and to reduce the risk Be Prepared. Check of dementia through the promotion of brain health. Our weather conditions regularly and have emergency plans in vision is a world without Alzheimer’s. Visit alz.org/ri or In recognition of place. call 800.272.3900. Bundle up. It is best to assist a loved one with Alzhei- unparalleled quality mer’s whom may not be able to dress appropriately for Eric Creamer is the Director of Public Policy and Media ® winter weather conditions. Relations for the Alzheimer’s Association Rhode Island care, the Avoid slips and falls. Assume all surfaces are slick and Chapter. He may be reached by phone at (401) 859-2334, take precautionary measures. ext. 9705 or (800) 272-3900 or by email at ecreamer@ Centers for Medicare Winter brings decreased sunlight. Make daylight last alz.org. by turning on indoor lights earlier, opening curtains and & Medicaid Services drapes or installing motion detector lights. Trusted by RI families since 1977 has awarded its highest possible score of five stars to

Cherry Hill Manor! 2 Cherry Hill Rd Johnston, RI 401-231-3102

Cherry Hill Manor 2 Cherry Hill Road • Johnston, RI 401-231-3102 18 February 2019 • Senior Digest

THE SEASONS ASSISTED LIVING The Seasons East Experience the Greenwich is a Non-Profit Difference non-profit assisted living community committed to up- holding the highest standards of care. As we celebrate 15 years of excellence, we are pleased to have earned a reputation as a premier communi- Traditional & Memory Care ty offering both traditional and memory care neighborhoods. As a non-profit organization, we are not Neighborhoods Available driven by the daily pressures to increase the “bottom P R O G R A M S F O R Q U A L I F I E D V E T E R A N S line” for owners, investors and shareholders. Our fo- & SHORT-TERM STAYS cus is on the quality of care and programs we offer to engage seniors. All resources are reinvested into our community to increase staffing, improve facilities and enhance services and amenities. We invite you to visit The Seasons and experience the warmth and traditional charm of our community for yourself.

Five Saint Elizabeth Way 5 Saint Elizabeth Way, East Greenwich, RI 02818 East Greenwich, RI 401.884.9099 phone: 401-884-9099 www.theseasons.org web: theseasons.org A joint venture of Scandinavian Home and fax: 401-884-7439 Steere House Nursing and Rehabilitation Senior Digest • February 2019 19 Use Rotisserie Chicken for Quick-fix Winter Meals We’re taking it easy in the kitchen in February, trying Chicken & Cranberry Hash to keep warm and enjoy some simple-prep meals. We’ve found that store-bought rotisserie chicken is not only bud- 2 1/2 cups frozen, cubed, hashbrown potatoes (about 10 ounces) get-friendly but also handy to use in dishes from soups to 1 1/2 cups diced cooked chicken stir-fries, to hash, to a quiche-type pie with broccoli. 1 cup thinly sliced green onions Dried cranberries add a delightful tang to a hash dish 1/2 cup dried cranberries that’s made with cooked chicken and frozen hash brown 1/3 cup half-and-half potatoes. Crunchy veggies enhance a sweet and savory 1 teaspoon crumbled dried sage leaves quick entrée that’s a snap to stir-fry with bottled teriya- Salt and pepper ki sauce. And frozen broccoli is a flavorful addition to a 2 tablespoons vegetable oil chicken pie that can be made ahead and kept in the fridge before baking the next day. Combine potatoes, chicken, Of course, in a pinch you can also use equal amounts of green onions, cranberries, half- canned chunk chicken, or leftover roast chicken in any of and-half and sage in large bowl; these recipes. toss to blend well. Season with Chicken & Broccoli Pie salt and pepper. Heat oil in heavy skillet over 2 cups frozen broccoli cuts, thawed, drained medium heat. Add hash mixture 1 1/2 cups shredded Cheddar cheese (6 ounces) and spread to even thickness. 1 cup cut-up cooked rotisserie chicken Cover skillet and cook 15 min- 1 medium onion, chopped (1/2 cup) utes, stirring hash every 5 min- 1/2 cup baking mix (such as Bisquick) utes. Uncover skillet, increase 1 cup milk (low-fat is fine) heat to high and cook until hash Photo courtesy epicurious.com 1/4 teaspoon each salt and pepper is golden brown and crusty, stir- 2 eggs ring occasionally, about 10 minutes. 4 servings. Heat oven to 400 degrees F. Spray 9-inch glass pie plate with cooking spray. Sprinkle Portia Little is the author of theme gift cookbooks including Bread Pudding Bliss; New broccoli, 1 cup cheese, chicken, and onion into pie plate. In medium bowl, stir remaining England Seashore Recipes & Rhyme; The Easy Vegetarian; Cooking with Coffee; and ingredients with wire whisk or fork until blended. Pour into pie plate. Lusty Limericks & Luscious Desserts. Visit her website: www.portialittle.com Bake 35 to 38 minutes or until knife inserted in center comes out clean. Sprinkle with remaining 1/2 cup cheese. Bake 1 to 2 minutes longer or until cheese is melted. Let stand 5 minutes before serving. 4 to 6 servings. Note: This pie can be covered and refrigerated up to 24 hours before baking. Leave at room tem- perature before baking in a glass pie plate. It may take a bit longer to bake than the recipe directs since you’ll be starting with a cold Photo courtesy bettycrocker.com pie. Watch carefully for doneness.

Chicken Teriayaki Stir-Fry

2 tablespoons olive oil 1 cup carrots, chopped 1 cup frozen peas 3 green onions, chopped 1 cup rotisserie chicken (store-bought, shredded) 1/2 cup bottled teriyaki sauce 2 cups cooked brown rice

In a 4-quart, non-stick skillet, heat olive oil over medium until shimmering, about 2 minutes. Add carrots, peas, and onion; sauté until lightly browned and slight- Stock photo ly softened, 3 to 5 minutes. Fold in shredded rotisserie chicken, teriyaki sauce, and cooked brown rice; continue sautéing over medium heat until warmed through, 4 to 6 minutes, stirring as needed. Serve immediately or allow to cool. Cover and refrigerate for up to 3 days.

Easy Chicken Curry

1 tablespoon extra-virgin olive oil 1/4 cup green curry paste 1 1/2 teaspoons freshly grated ginger 1/2 teaspoon finely grated lime zest 1 medium onion, sliced into 1/4-inch strips Photo courtesy epicurious.com 1 teaspoon salt 1 red bell pepper, sliced 1 cup low-sodium chicken broth 4 cups cubed cooked chicken (from rotisserie chicken) 1/2 pound sugar snap peas, trimmed (about 2 1/2 cups) 1 (14-ounce) can coconut milk 1/4 cup basil leaves 1 tablespoon fresh lime juice

Heat oil in pot over medium heat. Cook curry paste, ginger, and lime zest, stirring, until heated through, about 1 minute. Add onion and salt and cook, stirring, until onion is soft, To Advertise in about 3 minutes. Add bell pepper and stir to combine. Add chicken stock and bring to a boil. Reduce heat to low and simmer until pepper is crisp-tender, about 3 minutes. Add chicken, snap peas, and coconut milk. Cook over medium, being careful not to boil, until warmed through, about 5 minutes. Stir in basil and lime juice. Serve with rice or rice noodles. Please Contact Tom Reily at 508-336-6633, ext. 337 20 February 2019 • Senior Digest Scandinavian Communities Appoints New Executive Director The Board of Directors of Scandinavian care to the older adult population, will open Colette assumed her duties as Executive Communities is extremely pleased and up many new opportunities for our organi- Director on January 1, 2019 and has al- honored to announce the recent appoint- zation. ready been busy getting to know our board ment of Ms. Colette Silverman to be its Previously, Colette served as the Chief members, leadership team, key staff mem- new Executive Director. Administrative Officer for the Visiting bers and Friends of The Corporation, as Colette is a highly-accomplished exec- Nurse Association of Cape Cod and, in well as our residents and their families. She utive with strong leadership skills in cor- conjunction with that role, was Director is enthusiastically committed to Scandina- porate healthcare, home health services, of Corporate Quality for all of the VNA of vian Communities’ vision: acute care hospitals and hospice care. She Cape Cod / Cape Cod Healthcare (CCHC) “To be the destination of choice for well- possesses a stellar reputation for providing family. She possesses a B.A. in Speech Pa- ness and eldercare”. strategic leadership in the areas of Quali- thology from Valparaiso University and a ty and Process Improvement, Outcomes Masters in Speech Pathology from Western Management and Quality-based incentive Michigan University. programs, including value-based purchas- ing and readmission reduction. Her diverse knowledge of the healthcare industry and skill at building business relationships with hospitals, home care agencies and phy- sician practices, as well as, experience in developing and evaluating new and inno- Colette Silverman. Photo courtesy vative programs for providing high-quality Scandinavian Communities Council on Aging and Auditor General Releases The Commons in Lincoln, Results of Fiscal 2018 MA Join Forces to Help Employees’ Retirement Prevent Homelessness System of the State of The Lincoln Council on Aging (COA) dren. For some, homelessness or the risk of and The Commons in Lincoln, a Bench- homelessness is their main concern, while Rhode Island Audit mark Senior Living Community, are for others it is only one of many inter-re- pleased to announce a new collaboration lated issues. to benefit Lincoln residents who are home- “The Commons in Lincoln is invest- less or at serious risk of homelessness. ed in the community and this partnership The Staying at Home in Lincoln proj- with the COA is an example of that com- State House – Net position of the Em- June 30, 2018. The majority of defined ect will enable Lincoln residents who are mitment. We want to help Lincoln and its ployees’ Retirement System of the State of contribution plan assets (91 percent) are homeless or at risk of becoming homeless residents to work to stem homelessness,” Rhode Island (the retirement system) in- held in target date retirement fund invest- to stay in appropriate temporary, emergen- said Reynaldo LeBlanc, campus executive creased by $425 million during fiscal 2018 ments. cy housing while social services staff from director at The Commons. to $9.2 billion at June 30, 2018. The accounting measures of the net pen- the Town of Lincoln work to arrange per- Tim Higgins, Lincoln’s Town Adminis- The financial statements of the retire- sion liability (GASB Statement No. 67) manent housing as well as any services and trator, agreed. ment system for the fiscal year ended June used for financial reporting differ from the benefits required to ensure that the resident “We are fortunate in Lincoln to have 30, 2018, and the independent auditor’s measures used to determine actuarially de- will be successful in their new home. This amazingly dedicated volunteers, staff and report thereon are included in an audit re- termined contribution amounts for funding temporary, emergency housing could in- private partners who have taken the initia- port issued by Auditor General Dennis E. purposes. Employers participating in the clude area hotels or motels, assisted living tive to address a whole host of increasing Hoyle and released on January 15 by the system’s plans report the net pension lia- facilities, or other supportive housing. The social services needs. This new partner- Joint Committee on Legislative Services. bility (asset), or their proportionate share, Commons in Lincoln will provide funding ship with the Commons is further evidence The auditors concluded that the financial on their government-wide financial state- for the proj- of our com- statements of the retirement system pres- ments as required by GASB Statement No. ect. Both the munity’s ent fairly, in all material respects, the fidu- 68 — Accounting and Financial Reporting COA and The determina- ciary net position of the plans as of June for Pensions. Commons in tion to help 30, 2018, and the changes in fiduciary net Each plan’s fiduciary net position as a Lincoln will people in position for the year then ended in confor- percentage of the total pension liability is work togeth- need and to mity with accounting principles generally shown below: er to craft the be resource- accepted in the United States of America. ERS – State employees 52.5 percent program mod- ful in the The audit encompassed (1) the seven ERS – teachers 54.3 percent el and offer effort. On defined benefit pension plans administered Teachers’ Survivors Benefits their unique expertise to ensure the proj- behalf of the Selectmen and myself, thank by the retirement system — i.e., separate 137.4 percent ect’s success. you to all involved in this effort,” he said. plans for state employees and teachers, SPRBT- State police 83.6 percent The Project was developed by the COA About the Council on Aging the teachers’ survivors benefit program, JRBT- Judges 92.8 percent and The Commons in Lincoln to address The COA is the municipal department two plans covering state police, two plans RIJRFT – Judges 3.8 percent a growing number of residents who are that serves Lincoln residents 60 and older covering judges, and participating munic- SPRFT- State Police 9.5 percent homeless or at risk of becoming homeless. and their families so that older residents ipal employees, and (2) the defined con- MERS – general employees While the COA and the St. Vincent de Paul may remain safely and independently in tribution plan. The defined benefit plans 79.6 percent Society have over many years offered rent- our community. In addition, the COA as- covered more than 70,000 members (more MERS – police and fire 76.2 percent al assistance to residents at risk of eviction sists Lincoln residents of all ages in finan- than 36,000 of these members also partici- The Teachers’ Survivors Benefit Plan because of the inability to pay rent due to cial emergencies and helps develop and pated in the defined contribution plan). (TSB) has a net pension asset since plan some extraordinary circumstance, more coordinate human services for all residents The time weighted rate of return during net position exceeds the total pension lia- recently the COA and The Commons in in great need. the fiscal year was 8.03 percent (compared bility. Lincoln have seen an increase in residents About The Commons in Lincoln to 11.62 percent during the prior fiscal The pension liability for all plans ex- who are homeless or close to being home- The Commons in Lincoln is a Bench- year), and net investment income was cept the RIJRFT was determined using the less for other reasons. These could include mark Senior Living Community in Lin- $633 million (compared to a net invest- system’s investment return assumption of domestic violence and elder abuse, mental coln, Mass., offering independent liv- ment income of $867 million during fiscal 7 percent. The RIJRFT used a municipal illness or physical disabilities, natural di- ing, assisted living, memory care, skilled year 2017). bond index rate of 3.62 percent. saster, or other extreme situations. nursing and rehabilitation with the style, Pension benefits paid to retirees and Consistent with the GASB 67 account- Residents who are homeless or are at service and luxury expected from a five- beneficiaries from the defined benefit plans ing requirements, the system’s fiscal 2018 risk of being homeless are of all ages. star destination. The Commons features during fiscal 2018 totaled $953 million, financial statements include disclosures Some have lived in Lincoln for decades exceptional maintenance-free senior hous- and distributions from the defined con- and required supplementary information while others are new to Lincoln. Some ing, a wide variety of premium services tribution plan totaled $16.2 million. Em- related to the money-weighted return on have been highly paid professionals while and amenities, a full continuum of on-site ployee and employer contributions totaled investments for each plan, the components others have never had the advantages that health care and is a Lifecare community. more than $595 million to all the defined of the change in the net pension liability have allowed them to earn a living wage. For more information, visit www.thecom- benefit plans. (asset), and the sensitivity of the determi- Some are single and alone while others monsinlincoln.com. Amounts accumulated in the defined are the heads of families with small chil- contribution plan totaled $856 million at See Audit, page 21 Senior Digest • February 2019 21 Elvis, Air Guitar and the Face in the Mirror Aging isn’t one of those ring to use the soap dish things that happens over- to hold on to. The soap night. You don’t go to bed dish, mounted with tile young and wake up old. grout, is not designed to When we look at the face in hold our weight. It will rip the mirror, we see the face off the wall and leave us that swooned at Elvis, the on the floor, cold and wet, hands that played air gui- waiting for someone to tar right along with Chuck come help us. Grab bars Berry or Pete Townshend, empower us to be able to or the feet that danced the shower independently. Mashed Potato and did the Perhaps we notice that Twist. By Deborah L. we just don’t have the We mark our life mile- Burton, MS “oomph” we need to get stones, marriage, children, out of the chair. There is grandchildren, sometimes divorce, and equipment that can be used in the chair to eventually retirement. Someplace be- give the added push to get us to our feet. tween caring for our own family, and A grab bar that slips under the chair, or work, we care for our aging parents. Ar- couch, or bed can allow us to pull ourself guments with our parents to be careful, up. There are even swivel disks we can stay safe, and wait for help become more sit on to make it easier to get into and out frequent. They chafe against these admo- of the car. nitions. We see THEM getting older, but If we want to maintain our indepen- ourselves? No. We still turn up the music dence, we must have an honest conver- when Blue Suede Shoes comes on, we sation with the face in the mirror. Making dance in our living room, and play air good choices enables us to continue to do guitar. the Twist while playing our air guitar at And then one day both of our par- home. ents are gone and suddenly WE are the If you need help exploring ways to CAPITAL CITY CAFÉ LOCATIONS grownups, the elder of the family. Wait! maintain your independence, you can al- A person is eligible for the Café program if he/she When did this happen? ways schedule a consultation with me to is 60 years of age or older. Handicapped or disabled It is a normal part of aging to want to review your options. maintain our independence for as long as individuals under the age of 60 are eligible if they reside in possible. Being able to make decisions Deborah Burton, MS is the founder of a housing facility where a café site is located. and do things for ourselves is an import- Aging, Easily, LLC. Senior’s Choice Con- Advance reservations are required. ant part of being who we are. Parts of our sulting and RIElderInfo.com are its first life are private (how often do you put ventures. Reach her at DeborahLBur- Aaron Briggs Manor Grace Apartments your socks on in front of other people?). [email protected] or 401-585-0509. (401) 331-2832 (401) 861-7524 Some of our routines are secret-not even 301 Cranston St., 280 Washington St., thought of by us as we go through the mo- Providence 02903 Providence 02903 tions. Consider something simple-do you put on sock/sock, shoe/shoe or sock/shoe, Meals served at 11:30 a.m., Meals served at 11:30 a.m., sock/shoe? Which foot do you start with? Mon & Fri Tue & Thu It’s a secret, unless someone has to do it for you. Carroll Towers LGBT Café (401) Too often we think of aging as a loss of independence. The truth is, we have (401) 751-6400 351-6700 A LOT of control over our experience of 243 Smith St., located at the aging, IF we are willing to be honest with Providence 02908 Church of the Transfiguration ourself. Our bodies do change as we age. We can choose to make choices that max- Meals served at 11:30 a.m. 1665 Broad St., imize our independence or risk losing it. Mon - Fri Cranston 02905 The bathroom is where most accidents Meals served at noon happen. We definitely don’t want to do Center for Southeast Asians every 3rd Friday the Twist and Shout in the shower. We can choose to have grab bars installed in the (CSEA) shower and near the toilet. We may not (401) 247-8811 St. Elizabeth Place want to have grab bars installed, prefer- 270 Elmwood Ave., (401) 273-1090 Providence 02907 700 Westminster St., Meals served at noon, Providence 02903 Audit Wed - Thu - Fri Meals served at noon, Continued from page 20 Mon - Fri Federal Hill House nation of the net pension liability (asset) by from reporting certain investment income a change in investment return assumption and related expenses on a net of fees ba- (401) 421-4722 St. Martin DePorres of +1/-1 percent. The real return assump- sis to reporting all material investment 9 Courtland St., (401) 274-6783 tion for each asset class within the pooled expenses on a gross fee basis to enhance Providence 02909 160 Cranston St., investment trust is disclosed as support for transparency of all investment related ex- Meals served at 11:30 a.m., Providence 02907 the system’s overall investment return as- penses. The system reported total invest- sumption of 7 percent. ment expenses of $79 million for fiscal Mon – Fri Meals served at 11:30 a.m., During fiscal 2018, participating- em 2018. The auditors reported that the sys- Mon – Fri ployers in the plans administered by the tem needs to improve its control proce- Fox Point Manor system made 100 percent of the required dures over the accumulation and reporting (401) 751-7372 actuarially determined contributions ex- of investment expenses by the investment cept for the RIJRFT plan covering 7 custodian to ensure the reliability of such 575 Wickenden St., judges. The state is not contributing on amounts for inclusion in the system’s an- Providence 02903 an advance funded basis to the RIJRFT nual financial statements. Meals served at noon, plan. The auditors highlighted that plan The audit report is available on the Of- net position represents only 3.8 percent of fice of the Auditor General’s website, oag. Wed & Fri the total pension liability and additional ri.gov, at http://www.oag.ri.gov/reports/ For more information about these programs, to view menus or related employer contributions will be required to Retire2018.pdf. A summary is available provide benefits to plan members. at http://www.oag.ri.gov/reports/Re- volunteer opportunities, please visit our website at www.rimeals.org The system changed its method of re- tire2018_Summary.pdf. or call (401) 351-6700 and ask for Nutrition Services. porting investment expenses in fiscal 2018

22 February 2019 • Senior Digest

10. George Gershwin George 10.

9. AB negative (less than 1 percent) 1 than (less negative AB 9.

8. Rights retained by the states the by retained Rights 8.

7. Renaissance 7.

6. The numerator The 6.

5. Deoxyribonucleic Acid Deoxyribonucleic 5.

4. Capcaicin 4.

3. Suva 3.

2. Many 2.

1. 10 percent of your assets or $200 or assets your of percent 10 1. Answers:

SUDOKU SOLUTION Senior Digest • February 2019 23 Don’t Be a Victim of a Scam Wingate Residences on the East Side Pam* is in her late seven- There are a few things to Named to SeniorAdvisor.com ties, a widow, and a retired note: Best of 2019 Awards Rhode Island public school The IRS NEVER calls teacher of over 30 years. to demand immediate pay- Providence, R.I. — Wingate Residenc- winners in the top two to three percent of She’s smart, loves to read, ment. They first mail a no- es on the East Side was selected as a 2019 senior care providers across the United and enjoys getting togeth- tice to any taxpayer who Best of Assisted Living Award Winner on States and Canada. er with close friends. She owes taxes. The taxpayer SeniorAdvisor.com, the largest ratings and Located on the historic east side of could be your next-door then has an opportunity reviews site for senior care and services Providence, Wingate Residences on the neighbor, and yet, Pam was to question or appeal the in North America and Canada. The annu- East Side provides assisted living and a victim of an IRS scam the amount they say he/she al award recognizes outstanding senior memory care. The community overlooks week before Christmas. owes. Also, the IRS does living and home care providers who have the Seekonk River and is just blocks from A man called Pam on not threaten to bring in lo- received consistently high ratings from Brown University. Wingate Residences her cell phone stating that cal police or other law-en- residents and their families. Wingate Resi- on the East Side is operated by Wingate he was an IRS agent and forcement officers to have dences on the East Side received the award Healthcare, which has been family-owned she owed the IRS $3,800. By the taxpayer arrested for not in 2018 as well. and-operated for more than three decades. He gave her his name, IRS Elizabeth paying. “We’re excited to be recognized as a top For more information about Wingate badge number, and her case Carroll If someone requests you assisted living community by Senior Ad- Residences on the East Side, contact Beth file number. He knew her to make a payment by pur- visor for the second year in a row,” said McCrae at 401-275-0682. name and where she lived. chasing a prepaid gift card, Vincent Messina, executive director of the About Wingate Residences Pam panicked. She believed it is a scam. Hang up! community. “Our team works hard to pro- on the East Side that the caller was from the IRS because What to do if you are a victim of a scam: vide excellent care for our residents and (wingatehealthcare.com) she did owe the IRS money for past taxes, 1. Report the scam to authorities. their families, and this award is a testament Located at One Butler Ave., Wingate but was on a payment plan and was up to 2. Share your story with family and to their hard work.” Residences on the East Side provides tradi- date on her payments. friends to help prevent another scam. To qualify for inclusion in the Best of tional assisted living and a special program The caller instructed Pam to pay the How to prevent being a victim of a fi- 2019 Awards, care providers must have for individuals with memory care needs. amount immediately or her house and auto- nancial scam: maintained an average overall rating of at mobile would be taken away and the police 1. Do not give out personal banking in- least 4.5 stars while receiving four or more would come and take her to jail. He sound- formation, credit card number, social secu- new reviews in 2019. The award places ed legitimate and also somewhat sympa- rity number, or other personal information thetic. He said if she paid $2,000 of her to someone you didn’t contact. debt immediately, he would make the case 2. Shred anything containing personal to his supervisor to write off the remainder. information. Do you know that He instructed Pam to go to a convenience 3. Resist high-pressure sales tactics: store in her town and purchase prepaid gift always ask for time to make a decision. cards and read him the numbers. He also Criminals want you to make a bad decision Orchard View Manor advised her not to tell anyone. Pam did as quickly. the caller instructed and thought the issue Financial elder abuse is taking money or Accepts VA Patients? was resolved. The next day, the man called property from a senior without their per- again and said his supervisor demanded mission. Identity thieves and other crimi- Do you know of a veteran in need of Short- the balance must be paid in full. Pam went nals target the elderly and the money they to a gas station and again purchased pre- have saved for retirement. The criminals Term Rehabilitation, Hospice Care, Respite Care paid gift cards and read the account num- pose as trusted individuals and persuade or Long-Term Care? Orchard View Manor is the bers to the caller. That afternoon, the man the senior to give away their money, prop- only facility in East Providence that has a con- called for a third time and now demand- erty, or valuable personal financial infor- ed payment for an out of court restitution mation. Be safe and be alert and protect tract with the Veterans Administration. Depend- certificate, legal fees, and an arrest warrant yourself from becoming a victim of a fi- ing upon the percentage of service connectivi- cancellation charge. For the first time, Pam nancial scam. felt suspicious. She told him that she need- *Pam’s name was changed to protect ty, veterans may be eligible for care at Orchard ed more time. He called her back a number her privacy. View Manor. To determine eligibility veterans of times that day and the next day, but Pam did not answer his calls. In the meantime, Beth Carroll is a CPA and a daily mon- should contact their assigned social worker at Pam confided in her family and trusted ey manager. Her company, Cornerstone the VA. If you are interested in a private tour of advisors. She notified her bank, the local Money Management, LLC, helps seniors police, the Consumer Protection Unit at in their homes with billpay, financial orga- our facility, please contact the Admissions De- the RI Attorney General’s Office and the nization and cash flow management. You partment at 401.438.2250. We offer tours seven Federal Trade Commission. Unfortunately, may reach her at beth@cornerstonemon- days a week. Pam was a victim of a scam. Her money eymgmt.com or 401-323-4895. was gone, with very little chance that the Orchard View Manor is located at 135 Tripps thief would be found or her money recov- Lane, East Providence, Rhode Island and is ered. Managed by Athena Health Care Systems. For more information please visit our website at ath- enanh.com/orchardviewmanor.

To Advertise in

Please Contact Tom Reily at 508-336-6633, ext. 337 24 February 2019 • Senior Digest