Connelly Law Offices, Ltd. has satellite offices in Eastern Connecticut and Oak Bluffs, Massachusetts for your convenience. Contact us at 855-724-9400

Volume 15, No. 7 July 2019 Student Loan Debt Takes a Huge Financial Toll on Seniors By Herb Weiss results that focus on the key role played For Senior Digest by age 50 and older Americans in helping “someone else pay for college and other As the 2020 presidential campaign heats post high school education.” up, Democratic candidates are zeroing in (The survey specifically included only on a key domestic issue for 44 million vot- those individuals who have not yet fully ers, carrying $1.5 trillion in student-loan paid off the debt or who have paid it off debt. Their proposals range from free-pub- within the past five years.) lic college for anybody, forgiveness of all Of those 50 and over who helped “some- college loans up to $50,000, free commu- one else,” 80 percent helped a child, com- nity college, to refinancing college loans. pared with 6 percent who helped a spouse With the national political spotlight put or partner; 8 percent, a grandchild and even on student-loan debt, many are assum- smaller percentages “who helped other rel- ing that this issue impacts only younger atives or friends.” Americans. That is not the case. A newly One interesting finding of the PPI report released AARP Public Policy report says was that the most common involvement by it’s a skyrocketing problem impacting mul- people aged 50 and older was cosigning a Photo courtesy dcourier.com tiple age groups. Over recent decades, the loan (45 percent), while a smaller percent- report highlights the important role that or partner; 8 percent, a grandchild, and es, such as for a home, their children’s ed- age (34 percent) ran a balance on a cred- older Americans play in financing college even smaller percentages ‘who helped oth- ucation or for their own retirement,” adds it card and 26 percent took out a Parent education for their children, grandchildren er relatives or friends.’ Trawinski, who warns that the long-term PLUS loan. and other family members. Student Loan Debit Hits Seniors financial security of seniors can be threat- Among those who co-signed a private Federal Reserve data show that Amer- Hard in their Pocketbooks ened by student loan debt. student loan, nearly 49 percent made a pay- icans owed $1.5 trillion in student loan “It is stunning that more families are tak- The researchers noted that most older ment on the loan, often because they want- debt as of December. An updated analy- ing on such sharply greater amounts of stu- borrowers hold loans taken out for their ed to proactively assist the student borrow- sis shows people aged 50 and older owed dent debt than in the past,” says Lori Traw- own education, and the percentage of bor- er. Twenty-five percent said they had to 20 percent of that total, or $289.5 billion, inski, director of Banking and Finance at rowers aged 50 and older in default is much make a payment after the student failed to a more than fivefold increase from $47.3 the AARP Public Policy Institute, in a May higher than for younger borrowers. Data do so. billion in 2004. 15 statement released with the report, “The also show that Parent PLUS (direct federal The survey asked the one quarter of According to the PPI findings, of those Student Loan Debt Threat: An Intergenera- loan) borrowers aged 65 and over are fac- survey respondents who had taken out a age 50 and over who helped pay for ‘some- tional Problem.” ing higher rates of default than younger age Parent PLUS federal loan, and who had one else,’ 80 percent helped a child, com- “For younger families, this burden im- groups, they say. pared with 6 percent who helped a spouse pedes their ability to save for other purpos- The 10-page PPI report includes survey See Debt, page 8 New Report Discourages Use of Dietary Supplements for Brain Health Experts Recommend Other Ways to Keep Your Brain Healthy, Including Exercise and Diet

Washington—On June 11th the Global Council on Brain “It’s tempting to think you can pop a pill and prevent Health (GCBH) released a new report that concludes di- dementia—but the science says that doesn’t work,” said etary supplements do not improve brain health or prevent Sarah Lenz Lock, AARP Senior Vice President for Policy cognitive decline, dementia or Alzheimer’s disease, and and Executive Director of the GCBH. “The good news is, recommends that most consumers not take supplements we know what will help to keep your brain healthy: exer- for this purpose. The GCBH reviewed the scientific evi- cise, a healthy diet, plenty of sleep, challenging your think- dence on various supplements and determined it could not ing skills, and connecting with others. Rather than buying endorse any ingredient, product or formulation designed a dietary supplement, spend your money on new walking by the Food and Drug Administration, dietary supplements for brain health. Instead, they recommend a healthy diet shoes or a salmon dinner.” are not considered medications—they can be sold without as a way for most people to get the nutrients they need to Many dietary supplements marketed to consumers as premarket review of their safety, efficacy or truthfulness benefit their brains. The GCBH is an independent organi- improving brain health have claims like “clinically shown of their claims. Brain health supplements generated $3 zation, created by AARP in collaboration with Age UK, to to help with mild memory problems associated with ag- billion in sales in 2016, and new research conducted by provide trusted information on how consumers can main- ing” and “scientifically proven nutrients for a healthier tain and improve their brain health. brain.” While all medications sold in the U.S. are regulated See Supplements, page 8

’Tis the Season “Ask the “Government of the people, by the people, for for Grilling Lawyer” the people, shall not perish from the earth.” - page 4 - page 19 - Abraham Lincoln 2 July 2019 • Senior Digest The Future We Don’t Like to Think About We have all heard some threat, like a hurricane that from Washington State that of payments, they would be also cover home food deliv- of the many statistics about could demolish my house, has just created a statewide able to access up to $100 eries and transportation to a growing crisis in being is so stressful that I “take social insurance program to a day to pay for assistance medical appointments. An able to afford home care as flight”--just look the other help pay for long-term care. with activities of daily liv- exception to the ten-year we age. If we have reached way. This despite the fact requirement would be that age 65, we have a 50% that there’s a much higher if someone suffered a cata- chance of making it to 85- probability of our needing “Half of 65 year-olds strophic health event like a --but also a 35% chance future care than having our severe stroke they could re- that we will need some paid house destroyed. A third ceive help after three years. care in our future. Unfor- bias is amnesia---we may today have less than In Washington state tunately, studies show that have seen a parent or older a broad-based coalition a great many of us haven’t relative experience serious worked hard for several saved nearly enough mon- health conditions as they $71,000 in non-real years to create this pro- ey to pay for that care. Half aged, but forget the pain gram. We will be following of 65 year-olds today have it caused. As he put it, “If estate assets. its progress closely, as we we remembered painful have relationships with sev- events, no one would ever eral long-term care experts Senior Digest less than $71,000 in non-re- learn to ride a bike or have Twenty-five percent there. Similar legislation is 21 Industrial Court al estate assets. Twenty-five a second child.” One more being considered in Cali- Seekonk, MA 02771 percent of us are relying ex- bias he describes as “herd fornia, Illinois and Michi- clusively on Social Securi- thinking”---no one else is of us are relying gan. Stay tuned. Email ty income to meet our daily planning for this either, so [email protected] Telephone needs. why should I? William F. Flynn Jr. is 508.336.6633 Why haven’t we prepared What can be done? Mey- exclusively on Social executive director of the Web Site for our futures? Robert er says fear tactics---such as Senior Agenda Coalition. www.seniordigestnews.com Meyer, a risk management ads portraying worst-case Contact him at seniora- expert, offered some expla- scenarios---won’t work. Security income to meet [email protected]. PUBLISHED nations in a recent journal They just invoke the fight MONTHLY article. He said we all have or flight response. He sug- our daily needs.” biases against planning gests designing programs Published by that people would have to Senior Digest for our future. One bias is optimism---that a bad fall opt-out of. Then our bias- Graphic Design/Layout: or Alzheimer’s will hap- es about not thinking about All residents would pay 58 ing, up to a lifetime total cap TCI Press Inc. pen to someone else, not the future could be positive cents on every $100 of in- of $36,500. The fund could me. There’s the “fight or effect---we would just go come into a state trust fund. also be used to help pay for Printed by TCI Press Inc. flight response”---thinking with the status quo. There’s This apparently would be home modifications like a about a really bad future promising news coming mandatory. After ten years wheelchair ramp. It would Contributors: Sarah Elizabeth Adler, Eric Bither, Paul A. Brule, Deborah L. Burton, MS, In Rhode Island Lisa M. Carcifero, Elizabeth Carroll, Stacey Colino, If a Senior is not safe at home call: Kathleen S. Connell, EDITOR’S DEADLINE Department of Elderly Affairs: Eric Creamer, AllAll materialsmaterials forfor thethe issueissue 401-462-0555 or 462-3000 Don Drake, LADC, AugustAugust 20172019 William F. Flynn Jr., are due by: For Neglect or Abuse in a facility call: Kathleen Heren, Department of Health Facilities Regulation: Portia Little, the Julyweek 15th, of July 2019 16th Jim Miller, Please include name and telephone number in case we have questions. 401-222-5200 Lisa M. Petsche, Katherine Skiba, WRITERS:WRITERS: Please Please email e-mail copy tocopy [email protected] to seniordigest [email protected] RI Attorney General Patient Abuse or Neglect, and Medicaid Fraud & Drug Diversion Unit: Herb Weiss ADVERTISERS: Please contact Tom Rei ly at 508-3 36 - 66 33 ext. 337 401-222-2566 or 274-4400 x2269 For best reproduction, all ads and photographs should be high resolution (300dpi) PDFs, tifs or jpgs. RI Long Term Care Ombudsman: Subscription rates are $21 401-785-3340 per year. Senior Digest assumes subscriptions are In Massachusetts continuous unless notified to the contrary in writing. Statewide Elder Abuse Hotline: Senior Digest assumes 1-800-922-2275 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 im- mediately of any error that may occur. Senior Digest reserves the right to reject advertising submitted for publication. Letters to the editor rep- resent the opinions of the writers, not the editors, and must be signed and include the letter writer’s telephone number for verification. Senior Digest • July 2019 3 No Morals, No Conscience; Financial Scammers Spare No One I was in Braintree, Mas- member and recognize the sachusetts, recently where sacrifice made by veterans Hanscom Federal Credit on behalf of all Americans, Union partnered with the I was quick to note just how Massachusetts Disabled awful scammers are in their American Veterans orga- quest to rob seniors of their nization and other credit life savings. unions across the state to Of course, I got all fired host a lunch & learn for vet- up, as I shared my knowl- erans, their caregivers and edge of this topic, groomed family members. As one of by more than a year of par- the event planners, I was ticipating in workgroups, delighted to welcome a di- meetings and workshops; verse representation of state By listening to victims share and community leaders to Walter Laskos their tales of loss; learning serve as a panel of experts from the experts and care- on the topic of elder finan- givers who attend to those Left to right: Paul Marotta, Walt Laskos, Michael Morrisey, Peter Gillis, Michael Festa, cial exploitation. victimized day in and day out; and hearing Paul Shastany, Francisco Urena, David Sprague, Joseph Sullivan, Joseph Canavan, Dan Heading up the group was Francisco countless credit union CEOs share their Stack, and Mila Mignosa. Photo courtesy Walter Laskos. Urena, Massachusetts Secretary of Vet- tales of trying to protect seniors from fall- The scenario gets even more disturbing times out of ten you’ll discover it’s a hoax. eran Services; Norfolk District Attorney ing victim to a financial scam or fraud. once you consider the fact that many of Verify! Call your son or daughter to ver- Michael Morrisey; Massachusetts AARP I told the group that these people call- the veterans targeted in the scope of these ify the story you were just told that your State Director Michael Festa; Hanscom ing you, claiming that they are from the scammers are suffering from PTS – Post grandson or granddaughter is in jail and Federal Credit Union President/CEO Da- IRS and going to arrest you, or saying Traumatic Stress Syndrome. One would needs to be bailed out. Never act out of vid Sprague; and Massachusetts DAV CEO your grandson is in jail and needs you to think, with all the pain and hardship they emotion or in haste. This is what the scam- Dan Stack. send money have no morals or sense of continue to endure, must we add the threat mers want. They want to capture you emo- Of course, no event in Braintree would conscience. Why you might ask; because of losing thousands in life savings to a fi- tionally, before you can think clearly, hop- be complete without having Mayor Jo- they have no limits to their debauchery. nancial scam? And, compound the grief ing that you’ll surrender your cash or bank seph Sullivan welcome attendees and pre- They are going after everyone! And, that even further as statistics clearly show that account number or social security number side over the proceedings. He, along with includes those who served in the military; a majority of scams are not associated with before you realize it’s a scam. Braintree Police Chief Paul Shastany and those who put their lives on the line in de- the everyday phone calls we all receive but Another safety tip is communication. Officer Peter Gillis, Joseph Canavan from fense of our freedom. rather perpetrated by family members, peo- Don’t be ashamed or embarrassed if you the Norfolk County Sheriff’s Office, and Stop for a moment and think about that. ple we trust. have been or feel you are the victim of a Ludmila Mignosa from the state’s Attorney These heroes have done so much, given so I have to say, if you’re like me, you have financial scam or fraud. Talk to your trust- General’s Office rounded out the group of much, sacrificed so much, yet they, too, are to get worked up hearing that family mem- ed friends; to several of them in fact. Ask experts. targets in an industry that collects more bers make up the majority of those out to them to weigh in, too. I served as moderator for the mid-day than $40 billion dollars a year from scam- defraud seniors. So before we go any fur- Sometimes in our loneliness and bore- gathering and after taking a moment to re- ming people. ther, let’s take a deep breath and calm our- dom, we convince ourselves that the per- selves down. son in the Philippines with whom we’ve Here are a few safety tips to follow so been exchanging a series of emails about you can protect yourself from becoming our love for one another is really that soul- victimized. I’m sure that all the disabled mate whom we have been searching for all American veterans in the DAV Hall in of our life. This explains why it is almost Braintree heard me when I loudly stated impossible to persuade a senior to under- the first safety tip; “Verify!” stand that wiring ten-thousand dollars to Never ever give out your money or the woman in the Philippines so she can fly make a donation until you verify who to the US and marry him is a scam. Think you are talking to and the legitimacy of I’m joking? Just ask the many credit union their request. Even the call from someone CEOs who have been called into the branch claiming to be a neighbor who’s collect- to speak with a member who is demanding ing for the funeral arrangements of a slain that the wire be sent. police officer or fire fighter must be veri- A final tip is to stay informed; stay ed- fied! Call the police or the fire station. Ask ucated on the topic of financial scams and them if a collection is being taken up. Nine See Scammers, page 19 4 July 2019 • Senior Digest Medicaid Acronyms You don’t have to work Are you ready? Here we insufficient to meet the MMMNA, income 70 1/2. The failure to take them if required for NASA or the IRS to ap- go: from Institutionalized Spouse can be di- results in a significant penalty. For people preciate a good acronym. In CSRA: Community verted to the Community Spouse. If that in a nursing home even before that age, fact, even a new recruit in Spouse Resource Allow- is insufficient, the Community Spouse Re- such distributions are usually recommend- the Army doesn’t have to ance. It is the amount that source Allowance can be increased. ed. ask where to go if he is or- is initially calculated that POCI: Point of Continuous Institutional- I hope the above is of some help to you. dered to HQ. the healthy spouse is able ization. It is the date by which a particular As always, if there are any questions or The whole world of Med- to keep for their own pur- patient is permanently placed in a health concerns, you should seek the advice of a icaid eligibility for nursing poses when the sick spouse care setting. The date is used in determin- professional. home care comes with its is institutionalized. For ing the Community Spouse Resource Al- own set of acronyms. When most of our clients, we are lowance. Paul A. Brule is an attorney with the firm we help people navigate the able to save all of the assets RMD: Required Minimum Distribution. of Walsh, Brule & Nault, P.C., in Cumber- maze of Medicaid regula- for the healthy spouse. Call The amount that must be distributed from land. He can be reached at (401) 334-4545. tions, we try to stay away us for details. certain retirement plans such as a tradition- from acronyms. CS: Community al IRA. These do not start until about age We understand that acro- Spouse. This is the healthy nyms are best used between professionals spouse, the one who is at home, as opposed who are familiar with the subject matter, to the Institutionalized Spouse, sometimes not with our clients who often times are en- referred to as the IS. countering this part of the law for the first DHS: Department of Human Services. time in their lives. In fact, we make a con- This the State agency that administers the centrated effort and are often congratulated Medicaid program, which pays for nurs- for the degree to which we can simplify ing home care for patients who qualify for and explain Medicaid laws in ways that ev- Medicaid. eryone can understand. EOHHS: Executive Office of Health and Nonetheless, if you are dealing with Human Services. Is the executive office of this area of the law and happen to run into which DHS is a part. health professionals, government officials IS: see CS, above. or other individuals, you can very well run MMMNA: Minimum Monthly Main- into a complex maze of acronyms. In light tenance Needs Allowance. The minimum of that, my thought for this month’s column monthly amount of income for a Commu- was to give you a glossary of at least some nity Spouse to use for their purposes. If the of the more common of these acronyms. Community Spouse’s monthly income is

To Advertise in

Please Contact Tom Reily at 508-336-6633, ext. 337 Senior Digest • July 2019 5 6 July 2019 • Senior Digest Assembly Approves Bill to Require Religious Organizations to Provide Pension Fund Updates Bill is response to the St. Joseph Pension Insolvency State House — With passage in the House on June 20th, nizations claim exemption from both ERISA and GASB The bill (2019-S 0431Aaa, 2019-H 5287Aaa) requires the General Assembly has approved legislation sponsored reporting standards. Members of these plans often have no that any nongovernmental pension plans that are not cov- by Senate President Dominick J. Ruggerio and House Ma- ability to access information regarding the financial health ered by ERISA and have 200 or more members must com- jority Leader K. Joseph Shekarchi to require pension plans of their pensions. Until they are required to provide this in- ply with ERISA’s reporting requirement. The bill now goes managed by religious organizations in Rhode Island to formation, there remains a risk that other church-run pen- to the governor. send regular updates on the financial health of the pensions sion plans could conceal vital financial information from The $85 million St. Joseph pension plan, which covers to their plan participants. plan members. about 2,700 current and former employees of Our Lady of “All Rhode Island workers and retirees deserve to know “This is common-sense legislation that provides mem- Fatima and Roger Williams hospitals, was left insolvent the truth about the health of their pension plan,” said bers of church-run retirement plans the same level of trans- when contributions to it ceased following the sale of Fati- Senate President Ruggerio (D-Dist. 4, North Providence, parency afforded to members of private pension plans, to ma and Roger Williams to Prospect Medical Holdings in Providence). “Too many hard-working caregivers and help them know how their pension funds are doing,” said 2014. A pending lawsuit filed on behalf of plan participants health professionals, who spent their careers serving their Majority Leader Shekarchi (D-Dist. 23, Warwick). “Dis- alleges that hospital operators conspired to conceal from communities, have been hurt by a lack of transparency. We closure will help ensure that members’ retirement sav- regulators and fund participants that they were vastly un- must ensure that this never happens again.” ings is not imperiled by mismanagement and that those in derfunding the pension fund for years. The federal Employee Retirement Income Security Act charge cannot easily obscure negligence or misconduct. The two legislative leaders submitted the bill in cooper- of 1974 (ERISA) requires most private pension plans to People making investments should be entitled to know ation with General Treasurer Seth Magaziner. send members a letter each year outlining the health of how their funds are doing, and this bill provides them that their plan. Pension plans administered by religious orga- information regularly.”

jacaranda blossoms delicate like snow purple snow that cannot melt crown dark branches leafless trees under which my soul has knelt under which my heart has heard hymns of beauty rare where I found divinity God in silent prayer

- Mocco Wollert

SENIOR DIGEST RESTAURANT GUIDE

Call us at 508-336-6633, ext. 337 to reserve your space Senior Digest • July 2019 7 Bankruptcy Protection and Financial Exploitation

By Eric Bither elder scams identified by the Federal Trade in order to keep up the relationship. They recovery against the perpetrator, filing for For Senior Digest Commission. The website has a feature that scammer usually requests that the elder bankruptcy protection may be a way to allows individuals that have been a victim send them money by wire transfer or in gift get back on track financially. Bankruptcy The National Counseling on Ageing es- of a financial scam to file a complaint with cards. The relationship continues until the gives provides the “honest but unfortu- timates that financial abuse and financial the Federal Trade Commission online. The money runs out, or the elder catches on. nate debtor” a fresh financial start. Filing fraud costs elders somewhere between website is a valuable resource that provides In many instances, it is next to impos- for bankruptcy protection, however, is not $2.9 billion and $35.5 billion every year. a wealth of information regarding elder sible to recover the money that has been a decision to be made lightly, and it is not Because many elders are embarrassed that scams and how to spot and avoid being a wrongfully taken. Family members disap- appropriate for everyone. It is best to seek they were financially abused or rely on the victim of a scam. pear or have no to repay the elder even if professional legal advice to determine if individual that financially exploited them One prevalent scam involves people they are sued in court and ordered to repay bankruptcy is the proper decision based on to remain in their homes, many elders do claiming that they work for the Internal the stolen funds. In other cases, the scam- individual circumstances. It is, however, not report that they were victims of finan- Revenue Service. The individual claims mers identity and location is impossible one tool that is available to those that have cial exploitation. Because many cases of that they need your social security num- to determine, and the wire transfers and been financially exploited and are -strug elder financial exploitation are unreported ber, which they can use to take out credit gift cards can’t be traced. Many times, the gling to regain their financial footing. it is difficult to calculate the true cost of el- in your name, and that the elder owes back scammers live outside of the United States, If you have questions regarding financial der financial abuse. taxes. Then, the scammer threatens that the and can’t be brought to justice. And often, scams and what to do if you are a victim Many elders are financially exploited elder will be arrested and go to jail if the the cost of litigation outweighs the amount or federal bankruptcy protection, you can by their family members. An elder may elder does not wire money to a certain ac- of money wrongfully taken. obtain additional information by calling the put their family member on a joint bank count or use gift cards to pay the alleged In situations where an elder has been Rhode Island Legal Services Elder Protec- account to ensure that if something hap- tax debt. The IRS does not call taxpayers, financially exploited and wracked up sub- tion Project at (401) 274-2652. pens to them, their bills will be paid. Then, and contacts individuals by mail if there is stantial debt, and there is no chance of their family member steals their money an issue. Moreover, the IRS already knows out of the elder’s account and uses it for a taxpayer’s social security number so their own purpose. In other instances, their there is no need to provide it to them. family member can abuse a power of at- There is a similar scam involving Medi- torney and fraudulently remove money care. A person calls an elder and claims to from the elder’s bank account or sells the be from the Medicare office. The scammer elder’s assets and retain the money. Fami- attempts to get your social security number ly members, in some instances, move into and other private information to sell on the an elder’s home under the guise of helping black market or open credit accounts in the maintain the home, but do not contribute elder’s name. financially to the home, which forces the There is also an uptick in romance elder to pay all the bills and purchase food scams. According to the FTC, this type of for the home. What’s worse, is that often scam cost Americans over $143 million in the elder is put in a position where they are 2018. Scammers are using online dating taking care of the family member instead of websites and dating apps to create fake pro- being the one receiving assistance. files and then lavish attention on their vic- There are also a number of common tim. The scammer starts asking for money. scams that are targeted at the elder pop- They may claim that the money is purchase ulation. The Federal Trade Commission a ticket to visit the elder, or claim that their maintains a website that regularly updates phone is broken and they need a new one Photo courtesy news.wttw.com 8 July 2019 • Senior Digest Debt Continued from page 1

made a payment over the prior five years, protecting consumers’ rights. It also re- whether they ever had any difficulty mak- quires student loan servicers register with “According to a press statement, ing payments. Nearly a third 32 percent did the state and allows state regulators to ex- have a problem with at least one payment. amine servicers’ business practices. Ad- more than 133,000 Rhode Islanders, The breakdown by race/ethnicity for those ditionally, the Senate bill allows both the having a problem with a payment was: Af- Attorney General and department of busi- including 16,000 senior citizens, rican-American/Blacks, 46 percent; His- ness Regulation to penalize servicers who panics, 49 percent and whites, 29 percent. violate borrow rights and to seek restitution have a combined $4.5 billion in Rhode Island Lawmakers Put on behalf of borrowers in Rhode Island. It Student Loan Debt on Radar Screen would also require better communication student loan debt.” Over a week ago, the Senate Finance from lenders to borrowers about any trans- Committee took testimony on S 0737, ti- fer of their loans to another institution and tled the Student Loan Bill of Rights. The about any alternative repayment or forgive- student loan process and prohibiting preda- ers have issues with their loans or loan legislative proposal, sponsored by Sen. ness program for which the borrower may tory practices,” he noted. servicers, this legislation provides them Dawn Euer (D), a lawyer representing parts qualify. Euer added, “The heavy burden of stu- with a place to go to address those issues. of Newport and Jamestown, would protect Borrowers in Rhode Island report being dent debt is challenging enough for the ma- While our primary focus will be on help- student loan borrowers and establish over- double-charged or incorrectly marked as jority of college graduates. Incompetent, ing Rhode, Islanders get the information sight of student loan services operating delinquent in payment, with loan servicers inefficient or even deceitful loan servicers they need to solve their student loan prob- in the Ocean State. House Health, Edu- taking months, or ever years, to correct should not be allowed to exacerbate their lems, my office will be ready, on behalf of cation and Welfare Chairman Joseph M. mistakes. Additionally, many student loan struggles. Student loan servicers must be mistreated borrowers, to investigate and McNamara has introduced the companion borrowers eligible for the national “Public held accountable to ensure that they are enforce violations of the student loan stan- measure (H 5936) in the lower chamber. Service Loan Forgiveness” program have providing honest, reliable information and dards outlined in this bill.” “The heavy burden of student debt is received incorrect and contradictory infor- services to their borrowers.” If Congress can’t tackle the student loan challenging enough for the majority of mation from their loan servicers, leading to Treasurer Magaziner threw in his two debt crisis, in a timely fashion, it is now college graduates. Incompetent, inefficient improper denials of loan forgiveness. cents. “Too many Rhode Islanders are vul- time for Rhode Island lawmakers to offer or even deceitful loan servicers should not Calling for Passage of Rhode Island’s nerable to deceptive and predatory prac- assistance to Rhode Islanders faced with be allowed to exacerbate their struggles. “Student Loan Bill of Rights” tices by their student loan servicers, who crippling student loan debt. The Rhode Student loan servicers must be held ac- Bill sponsors Euer and McNamara were make it hard for borrowers to keep their Island General Assembly should pass countable to ensure that they are providing joined by Treasurer Seth Magaziner, At- loan payments affordable.” He added, Euer and McNamara’s “Student Loan Bill honest, reliable information and services torney General Peter Neronha, Commis- “Too often, borrowers aren’t receiving ac- of Rights.” and the legislative proposals to their borrowers,” said Senator Euer sioner of Postsecondary Education Brenda curate information about their loan, which should not “be held for further study. It’s (D-District 13, Newport, Jamestown), in a Dann-Messier and department of business can result in higher interest, leave them in the right thing to do. Senate press release announcing the held Regulation Director Liz Tanner, on March debt longer, and make them more likely to Senate Committee hearing. 28 at the statehouse to push for legislative default. This legislation will hold student Herb Weiss, LRI ’12, is a Pawtucket writ- According to a press statement, more fix to protect Rhode Islanders who are loan servicers accountable and help Rhode er covering aging, health care and medical than 133,000 Rhode Islanders, including shouldering crushing student loan debt. Islanders choose the options that are best issues. To purchase Taking Charge: Col- 16,000 senior citizens, have a combined “By several measures, student loan debt for them.” lected Stories on Aging Boldly, a collection $4.5 billion in student loan debt. Over $470 has increased greatly in the last 10 years,” Finally, Attorney General Neronha tout- of 79 commentaries, go to herbweiss.com. million of Rhode Islanders’ student loan said McNamara at the news conference. “It ed the importance of passing the Student debt is delinquent. has surpassed the amount households owe Loan Bill of Rights. “If and when borrow- S 0733 would set standards for student on auto loans, home equity loans and credit loan serving, both prohibiting predatory cards. This legislation will help to address behavior and providing best practices for the crisis by establishing oversight of the Supplements Continued from page 1 Con artists AARP found that 26 percent of adults age gredients can be toxic at high levels. 50 and older in the U.S. take one or more • If it sounds too good to be true, it prob- supplements to improve or maintain their ably is. Beware if a supplement claims to don’t care brain health. improve brain health or memory, make The GCBH report highlights practical you smarter, or cure a disease. tips for individuals, including: The GCBH report recommends that • Discuss with your health provider any health providers routinely ask about pa- vitamins and supplements you are taking, tients’ use of dietary supplements, and how hard and their possible risks, benefits and inter- evaluate patients for potential vitamin and actions. Your health provider may recom- mineral deficiencies. It includes summa- mend a supplement if you are nutrient-de- ries of the current scientific research on ficient or are at risk of becoming so due to vitamins and selected supplements that are you worked. diet, lifestyle or other health issues. marketed for brain health. The full report • Before taking a supplement, ask your- and a new infographic are available at: self whether you are already getting enough www.GlobalCouncilonBrainHealth.org. They steal billions from Americans like you every year. nutrients through your diet or a multivita- To learn more about the actions consum- We’re fighting back with the AARP Fraud Watch Network. min. Are any claims about its benefits sup- ers can take to help maintain and improve It provides resources to help you spot and avoid identity theft ported by high quality research? their brain health, visit www.stayingsharp. and fraud so you can protect yourself and your family. • Remember that more is not always bet- org Come learn how to get watchdog alerts and stay up to date on ter—some vitamins, minerals and other in- con artists’ latest tricks. It’s free of charge for everyone— members, non-members and people of all ages. Because for SAVE YOUR MONEY, HONEY! over fifty years AARP has been committed to safeguarding The GCBH does not recommend any dietary supplement for brain health.* Americans’ financial futures.

6 Things to Consider Before You Buy a Supplement

related to your Beware of supplement claims Check for warnings that sound too good to be true. specific health conditions and for third-party quality assurance. Watchdog Alerts / Tips & Resources / Free for Everyone

Show your health care provider Think about whether you’re already what drugs & supplements you're getting enough of a nutrient through CLINICALLY PROVEN aarp.org/fraudwatchnetwork already taking. They may interact your diet before you buy. with each other. NATURAL INGREDIENTS THAT SUPPORT & Food is better than pills to get Make sure you don’t take more of MEMORY the nutrition you need to help a supplement than is recommended; FUNCTION your brain. more is not always better.

*Unless you are one of the relatively few people in the U.S. with a vitamin B12/folate deciency. It is estimated that 4.4% of US. adults 50+ are low on vitamin B12, but even fewer are low on folate. See Evatt, M.L. et al. (2010) ”Association between vitamin B12- containing supplement consumption and prevalence of biochemically dened B12 deciency in NHANES III (Third National Health and Nutrition Survey).” Public Health Nutr.: 13(1), 25–31. See also https://www.cdc.gov/nu- tritionreport/pdf/Second-Nutrition-Report-Overview-Factsheet.pdf

The Real Deal on Brain Health Supplements : GCBH Recommendations on Vitamins, Minerals, and Other Dietary Supplements GlobalCouncilonBrainHealth.org • Contact: [email protected] For more brain health tips see stayingsharp.org DOI: (https://doi.org/10.26419/pia.00094.002) Senior Digest • July 2019 9

Hang Up. Can You These Calls Hear Me Now?

I was very pleased to physician when the phy- Aren’t for You learn there is a Bill S-0142 sician is trying to explain that would increase the vital information on a car- A presenter at a recent press “1” or some other key cost of a hearing aid from diac medication he wants to conference I attended start- to be taken off a call list. $1,500.00 to $2,000.00. prescribe may go unheard. ed by asking, “Who answers • The message offers you Sadly it would only apply The elders won’t admit to their phone anymore?” goods or services for free or to the private insurance their physicians they can’t The question brought at a suspiciously deep dis- carriers, not Medicare. It hear them so the instruc- giggles and quips. “If it’s count. is however a start. Even tions for the medication important, they’ll leave a • The message says you if the bill is held until next are not understood. The message,” someone said. owe back taxes or unpaid legislative session, it’s there inner ear is responsible for But common was this reply: bills and face legal or finan- on record. It would not just balance in human beings. “I only answer if a name cial consequences if you apply to seniors, but any- Studies have shown seniors appears and it is someone I don’t pay immediately. one that requires a hearing with untreated hearing loss know. Which is most of the • The message says aid. Right now a hearing are three times more likely time.” you’ve won a big lottery or aid costs anywhere from By to suffer from falls which I Feels like most of the time sweepstakes prize and tells $3,000.00 to $4000.00. Kathleen Heren am certain you know can be it’s an annoying and brutally you to press a key or call a There are no payment plans; lethal. persistent call from nobody. number to claim it. either cash or credit card. The population As relatives, spouses or caregivers rec- That is, computer- gener- Do’s that can least afford to pay this type of ognize the signs for hearing loss: difficul- ated marketing calls, aka, • Hang up on illegal rob- money are seniors. The result is the senior ty hearing you over the telephone; hard to robocalls. The device that has changed the ocalls. has to adjust to the hearing loss. In the follow conversations when two people are world now seems indispensable. But as a • Add all your numbers to the Federal now age of baby boomers, the population talking; often ask people to repeat what phone, it has been compromised by mar- Trade Commission’s National Do Not Call of those with hearing loss will be all the they said; turning the television volume up keters and, too often, crooks out to rob us. Registry. It won’t stop fraudulent calls, but more significant. Along with hearing loss, so loud others in the room complain; ac- The most irritating new twist is called it will make them easier to spot because individuals experience a myriad of mental cuse others of mumbling; and finally, find ‘ID spoofing.’ This is the trick that- mar most legitimate telemarketers won’t call and emotional stress such as anger, depres- it harder especially to hear women when keters use to make you think, “Hmm. This numbers on the registry. sion, shame, loneliness, and eventual cog- they talk as opposed to men. In closing, isn’t an 800 number. It’s from Warwick. • Explore free and low-cost call-block- nitive decline. discourage people with hearing loss to buy Better answer. Could be someone I know ing options, such as apps and services that Seniors suffer in many cases from devices they see on television or in maga- or a business opportunity or a neighbor re- screen calls and weed out spam and scams. loneliness which only leads to more so- zine ads. These products are a scam, not porting my dog is loose.’ Ask your phone service provider if it offers cial isolation. Seniors become frustrated a quick fix. The senior should be encour- And it turns out to be a robocall. any such tools. with their efforts to hear and understand aged to see an audiologist or an ear, nose Something needs to be done. The top • Verify the caller. If the robocall claims in noisy environments. The result is they or throat physician. There are small things law enforcement officers across the coun- to be from, say, Social Security or your avoid activities, people, and places they that can be done--like a special device that try – including Rhode Island -- are going bank, hang up and look up the real number once enjoyed. I know of one woman who is placed on seniors’ telephones which to war to end automatic robocalling and ID for that entity. Call and ask if they contact- attends my church who refuses to purchase magnifies the sound; alarm systems that spoofing. ed you. a hearing aid. She says she will only lose vibrate or flash colors in order to warn the Attorneys General are urging the Feder- • Report scam calls to the local author- it. I think the real reason is the cost. Ev- person of danger. The devise can be adapt- al Communications Commission (FCC) to ities. Every report helps authorities piece ery week she blames the lecturers in the ed for smoke alarms, a door bell and alarm tighten rules against those practices. Rhode together a fuller picture of what scammers church, accusing them of mumbling or not clocks. Additionally, we should all remain Island AG Peter Neronha is one of them. are doing. speaking into the microphone. Unable to vigilant with our State and Washington “Telephone scams, robocalls, and spoof- • Review a company’s privacy policies blame it on her hearing loss, she blames delegation on the importance of afford- ing techniques that accompany them are before you give it permission to call you. it on other people. When conversing in a able hearing aids. For more information a serious concern for Rhode Islanders, You might be authorizing them to share group she cannot participate in a conversa- on hearing loss please contact the National especially for our older community mem- your contact information with others. tion and she repeats “what did you say?” Institute on Deafness and Other Commu- bers who are often targeted,” Neronha tells Don’ts We all find ourselves yelling so she can nication Disorders at 1-800-241-1044 toll ARRP. “I recently joined Attorneys Gen- • Don’t answer calls from unknown hear us. free, or www.nidcd.nih.gov. eral from 54 states and territories in sup- numbers. The FCC recommends letting It is unimaginable to me the frustration porting the TRACED Act, which will work them go to voicemail. persons with a hearing loss must feel when Kathleen Heren is executive director of to combat these predatory acts. Our Office • Don’t press any keys or say anything they can’t participate in the conversation the Rhode Island Long-Term Care State will continue to provide education, assis- in response to a prerecorded message. This around them. They just stay home. The Ombudsman Office. Contact her at (401) tance, and prevention efforts in this area lets scammers know yours is a working isolation is one thing, but hearing loss 785-3340 or 888-351-0808. going forward.” number and will lead to more spam calls. also interferes with personal safety. There According to an Ohio newspaper report, • Don’t follow instructions to “speak to a would be difficulty hearing alarms, sirens proposed new rules could expand existing live operator.” This will likely transfer you and telephones. A routine visit to their rules on spoofed caller ID calls to cover to a call center for an aggressive sales pitch companies outside the United States call- or a phishing expedition. ing American citizens as well as expand • Don’t judge a call by caller ID alone. the type of services that existing rules cov- Scammers mask their location by trick- er. ing your phone into displaying a legiti- The problem is enormous, with 18 bil- mate government or corporate number, or lion robocalls placed in 2018, which is one similar to your own (a practice called more than double from the previous year. “neighbor spoofing”). Many are scammers who cost consumers And here’s a final Do from me: Check an estimated $488 million last year. The out the AARP Fraud Watch Network most notorious scam is the fake IRS call (www.aarp.org/fraudwatch), a free service and its starts with a robocall. for members and non-members that pro- Don’t count on a fix anytime soon. vides information and alters to protect you The AARP Fraud Watch Network reports from scams and identity theft. You can’t be that illegal robocalls make up a fast-grow- too careful. ing share of phone traffic, making it all the more important to be on guard for au- Kathleen Connell is State Director of tomated scams. Please take a moment to AARP Rhode Island. Find helpful resourc- review what Fraud Watch advises. es for caregivers and their families at Warning Signs www.aarp.org/RICaregiving. • You receive an automated sales call from a company you have not given con- sent to contact you. • A prerecorded message tells you to 10 July 2019 • Senior Digest Summertime Can Be Stressful Here’s How to Keep Your Cool The mild temperatures reduce preparation time. • Cultivate a healthy sense of humor. and increased daylight of Taking • Order takeout once a week. • Stay connected to the important people in your life. summer can positively af- Care Housekeeping • Set aside quiet time each day; it nurtures your spiritu- fect people’s mood and al- • Concentrate cleaning and tidying efforts on rooms that ality and helps keep you grounded. low new opportunities for are used the most. • Find an outlet for expressing your thoughts and feel- enjoyment. • Do full loads of laundry whenever possible. Buy cloth- ings, such as talking with a friend or keeping a journal. On the flip side, summer ing that can be machine washed and dried and resists wrin- • Seek help from your primary physician or a counselor sun and heat can be harmful kles. if you continually feel sad, angry or overwhelmed. Depres- to older adults, especially Yard Maintenance sion is treatable. those whose health is al- • For gardening, stick to low-maintenance flowers and • Don’t forget that you can only take good care of your ready fragile. If you’re a shrubs. relative if you take good care of yourself. caregiver, you must be ex- • Get a mulching lawn mower so you don’t have to bag tra vigilant as temperatures grass. Or hire a neighborhood youth to cut the lawn. Lisa M. Petsche is a medical social worker and a free- lance writer specializing in boomer and senior health mat- soar. By Financial Management Perhaps, like the rela- Lisa M. Petsche • Arrange with the bank for direct deposit of pension ters. She has personal experience with elder care. tive you care for, you have checks and automatic withdrawal of bills. health conditions or take • Sign up for Internet banking so you can pay bills, trans- medications that increase your sensitivity to the sun or fer money and check balances from home. heat. In any case, if you’re not a fan of balmy weather, you Shopping and Errands may find yourself feeling not only physically uncomfort- • Shop by mail order. able but also irritable, especially during heat waves. • For gift giving occasions, purchase gift cards or give So how do you keep your cool emotionally during the cash. dog days of summer? Read on for a variety of suggestions. • Take advantage of stores and other services that offer General Tips home delivery. • Establish priorities and curb perfectionism. Not every • Research mobile services in your area, such as hair- thing needs to be done to a high standard. dressing and dog grooming. • Be flexible about plans and expectations. Take things • Coordinate errands and avoid peak use times of the one day at a time. day, week and month when visiting banks, government • Ask other family members to help out and be specific offices and other establishments. about what’s needed. Care for your Relative • Pay for help if you can afford it – for example, a dog • Find out about community support services, including walker or grounds keeping service. respite care options, and take advantage of them. Informa- • If you don’t have central air conditioning, get a win- tion can be obtained from the local office on aging. dow air conditioner or oscillating fan for the room(s) you • If finances permit, hire a personal support worker or use most. companion for your relative so you can get out more often. Meal Preparation Care for Yourself • Collect recipes for one-dish meals, such as main course • Look after your health: eat nutritious meals, get ade- salads. quate rest, exercise and schedule regular medical check- • Cook double batches of recipes and freeze half. ups. • Keep a supply of heat-and-serve entrees in the freezer. • Do something you enjoy every day: read, listen to mu- • Buy convenience foods, such as packaged salads, that sic or take up a hobby.

A Message From a Rescued Soldier

Were you in Binh Duong, South Viet- versary of the day you rescued him, he sent nam, in May 1969? Were you part of the a letter to a number of newspapers across The Next Exercise Fad? crew of a 1st Cav airmobile near Lai Khe? the country, hoping you would see it. He A study done in Brazil has concluded was the first study of its kind that linked Under fire, did you swoop in and pick up says, “I hope that you survived as well and that it’s muscle power, as opposed to mus- longevity to muscle power. two severely injured 1st Infantry soldiers have had the same happiness that you have cle strength, that can add years to life. I have concerns about this study, espe- and whisk them to safety? A truck given me to enjoy all these years.” Confusing, isn’t it? It sounds like they’re cially because I fear it’s going to become full of soldiers had rolled He knows and appreciates the same thing, but they’re not. A short the new exercise fad for seniors. Even over a land mine, kill- the risks you took to go example might be that having strength though the study participants were gener- ing five of them im- in and get him. means you can pick up a certain weight. ally older, I see the possibility of pulling mediately. My own father Power means you can pick it up quickly muscles and wrenching joints while at- Chances are was 1st Cav a number of times. It’s also called power tempting to lift weight too quickly. you made so back in the day, training. Beware. There are other things we can do to in- many rescues and he wore Researchers gathered participants be- crease our longevity. The DASH diet (Di- that you don’t the yellow in- tween the ages of 41 and 85 and gave etary Approach to Stopping Hypertension) remember. signia on his them tests involving upright rowing. They has been shown for years to cut the risk of And even if shoulder with would stand in front of a machine, pick stroke, kidney stones and more. And mod- you do re- the diagonal up the bar and pull it to chest level. Just erate exercise every day can help us avoid member pick- black stripe pulling it up was strength. Doing it quickly some serious health problems. ing up two se- and the horseh- multiple times was power. After determin- If you’re tempted to join this new exer- riously injured ead. Knowing ing how much weight each person could cise fad, run it by your doctor for advice. guys outside Lai what he was like, quickly pick up, they were divided into You might ask for other exercise ideas if Khe, things were I wasn’t at all sur- groups. At the end of six years, the sci- you’re looking for something new. moving so fast and furi- prised when I read that entists found that those who had the most ous that you didn’t catch their those who rescued Rich (and muscle power had a lower risk of death. It (c) 2019 King Features Synd., Inc. names. so many others during the war) were 1st But one of them definitely remembers Cavalry, one the Army’s most decorated you. And he has a message. combat divisions. That soldier -- his name is Rich New- If you were part of that airmobile crew combe -- thinks about you every day. Rich that rescued Rich, thank you ... and wel- made it to the hospital alive, thanks to you, come home. where he spent eight months. Since then he’s had a good life, finishing college, (c) 2019 King Features Synd., Inc. working and marrying. On the 50th anni- Senior Digest • July 2019 11 The Future of LGBTQ Life and Advocacy for Older Adults For the ‘fierce’ Stonewall generation, a new set of needs comes with age

By Sarah Elizabeth Adler, AARP dy,” because without strong family and so- cial support networks, older LGBTQ adults For the estimated 3 million LGBTQ are more reliant on outside care providers Americans age 50 and older, the past five as they age, but that same system of care is decades have brought triumphs that were not equipped to meet their needs. once unimaginable, from the birth of the A 2016 report from the organization pride movement to marriage equality. Justice in Aging, for example, notes that But now the so-called Stonewall genera- 78 percent of LGBTQ residents in nursing tion — those who came of age around the homes, assisted living facilities and long- 1969 uprising that galvanzied the modern term care facilities responded “No” or “Not gay rights movement — faces a new set sure” when asked if they felt comfortable of challenges when it comes to aging with being open about their sexual orientation or dignity. gender identity to facility staff. “Older LGBTQ people are two times Faria also points to Mary Walsh and Bev more likely to be single and three to four Nance, a Missouri couple whose housing times less likely to have kids,” says Lynn application at a local senior-living facility Faria, the chief officer for external affairs at was denied because of a cohabitation pol- SAGE, the country’s first and largest advo- icy that defined marriage as between one cacy group for older LGBTQ adults. man and one woman. They sued the facil- GETTY IMAGES The organization estimates that the num- ity, but their lawsuit was dismissed by a ber of LGBTQ adults age 50 and older will U.S. district judge in January. Advocates at the forefront of the push for LGBTQ-af- project was really envisioned to be a cen- reach 7 million by 2030. But a lack of so- like Faria say the couple’s case underscores firming housing and community programs tral hub of activities and services,” Skultety cial and familial support means that they the need for a federal nondiscrimination since its founding in 1998. The first build- says, “not just for the residents but for the are more likely to experience social isola- law that would protect LGBTQ people in ing in the organization’s two-residence 5,000-plus LGBTQ seniors who aren’t liv- tion or struggle to find a caregiver, which housing, employment and other situations. campus, which is run in partnership with ing here but see it as a community home.” can have profound consequences on physi- In the meantime, SAGE and other orga- affordable housing organization Mercy And when it comes to activities, Open- cal and mental health. nizations around the country are working Housing California, opened in 2016, and a house features something for everyone. According to AARP’s “2018 Maintain- to develop welcoming living communities, second residence is slated to open this fall. Visitors can participate in everything from ing Dignity Survey,” 76 percent of LGBTQ which combine affordable housing units “The idea somehow that discrimination language classes and art groups to lunch- adults age 45 and over worry about having with community centers open to the broad- or oppression is over is a false narrative,” es that bring together people with a shared adequate family and social support systems er public. SAGE is in the process of con- says Openhouse Executive Director Karyn identity, like the monthly TransGeneration- to fall back on as they grow older — and structing two such buildings in New York, Skultety. “Twenty-five percent of the- se al Luncheon, which is open to transgender, the majority worry about abuse, neglect and a similar project, the Anita May Rosen- niors we serve report being harrassed or genderqueer and nonbinary people of all and harassment in long-term care settings stein Campus in Los Angeles, is set to be being victims of violence in the past year.” ages. like assisted living or nursing home care. completed in 2020. That’s part of what makes Openhouse’s Faria calls this situation “double jeopar- In San Francisco, Openhouse has been community spaces so important. “This See LGBTQ, page 15

Rehabilitation and Wellness Center Our state-of-the-art, 1,800 square foot Largest of its kind in East rehabilitation suite for providing personalized Bay physical therapy and occupational therapy services to our residents features: NOW OPEN

• Modern therapy equipment • Walkway lane for ambulatory motion • Steps and treadmill • Kitchen, laundry and bathroom areas for independent living skills practice • Private therapy rooms for sensory work and relaxation

30 ALEXANDER AVENUE, EAST PROVIDENCE, RI 02914 | (401) 438-7210 | ALDERSBRIDGE.ORG 12 July 2019 • Senior Digest

Tips for Women Seeking Adventure Travel Today’s consumers are increasingly interested in the male artists and entrepreneurs and learn what daily life is growth — and fun — of going on an adventure involves types of experiences that adventure travel provides, wheth- like for local women whose experience may be far differ- getting out of your comfort zone. Remember that it’ll also er it’s exploring new cultures or eco-tourism or taking a ent from their own. On an eco-tourism vacation, they can be a new experience for many of your travel companions. trip to hike, cycle or go boating. explore the rainforest of Central and South America and Determine how full you want your daily itinerary to be. For female travelers, learn about efforts to preserve plant and animal life. Wom- Are you the type of traveler who likes to be on the go all women-only adventure en don’t have to go abroad, however. There are plenty of day, with activities preplanned, or would you rather take trips can be a great option. opportunities for adventure travel closer to home. It can be things more slowly, with some optional activities and free In fact, the Adventure a whitewater rafting trip on the Colorado River exploration time built in to your day? Travel Trade Association of Alaska’s Denali National Park on a backpacking trip. Keep in mind the type of accommodations, too. Are you named women-only itin- Some women also put together their own group of trav- comfortable “roughing it” in the outdoors, either camping eraries a top trend. eling companions – sorority sisters, cousins or BFFs -- who or staying in a basic cabin? Or, would you rather relax in While some women want to experience the joy of new places and new pursuits more luxurious surroundings after a day of activity? will feel safer traveling in in the company of women with whom they already enjoy For help planning an adventure travel vacation, contact a group — and certainly a bond. your travel advisor or connect with one through Travel there’s safety in numbers Whether as a solo traveler in search of a group, or wom- Leaders Network at www.travelleaders.com. — the reasons for choosing a women’s-only group experi- en ready to embark on a vacation together, a travel advisor ence go beyond safety. A women-only adventure trip can can help one sort through all the possibilities. Lucie Giguere is an agent and office manager of Travel be an empowering experience. In a small group, they’ll Here are some tips from Travel Leaders Network advi- Leaders/Travel Advisors International at 500 Mendon Rd., have a chance to meet new people and forge a deep bond sors to consider when exploring adventure travel options. Unit 1B, in Cumberland. Contact her at (401) 725-1234 or with their fellow travelers. They’ll have companions who Decide what type of adventure you want to have —­ one [email protected]. share their interests and passions. They’ll feel comfortable with lots of physical activity or one that focuses more on trying new foods, experiences or learning new skills, in a exploring a new culture, or one that combines both. safe and supportive, female-centric environment. Consider what you’re able to physically handle, but be For example, on a cultural trip they can meet with fe- open to trying something different. Part of the­ personal

Photo courtesy stockclip.com Photo courtesy womanandhome.com Photo courtesy aging.com Senior Digest • July 2019 13

Theatre By The Sea’s 86th Season Continues with Singin’ in the Rain Wakefield, RI – In celebration of 86 Years of Theatre as Franz in The Sound of Music (2012), will portray the By The Sea, owner and producer Bill Hanney is proud to role of R.F. Simpson, with Mychal Phillips, whose national present the joyous musical, Singin’ in the Rain, which will and international tour credits include Anything Goes, Le- be presented through July 13, 2019. gally Blonde, and Seussical as Lina Lamont, and TBTS “Having started my career as a movie theatre owner I’ve Associate Director, Thom Warren, who was nominated for always loved classic movies, so I’m sure it’s no surprise a BroadwayWorld Award for his portrayal of Maurice in that Singin’ in the Rain has always been a favorite show TBTS’s Beauty and the Beast (2017) in the role of Ros- of mine,” said Bill Hanney. “When I discovered it had not coe Dexter. Ellen Peterson, who TBTS audiences will been produced at Theatre By The Sea in over 20 years, I remember as Mrs. Potts in Beauty and the Beast, Sister just knew I had to do it!”. Mary Martin-of-Tours in Sister Act, Mrs. Pearce in My The “greatest movie musical of all time” has been faith- Fair Lady, and Mrs. Brill/Bird Woman in Mary Poppins, fully and lovingly adapted by Broadway legends Betty returns in the dual roles of Dora Bailey and Ms. Dinsmore. Comden and Adolph Green from their original award-win- Rounding out the cast are Maggie Bergman, Madi Beu- ning screenplay. In silent movies, Don Lockwood and Lina mee, Victoria Biro, Connor Coughlin, Craig First, Eliza- Lamont are a hot item but, behind the scenes, things ar- beth Flanagan, Jason Haggerty, Gabriel Kearns, Natalie en’t always as they appear on the big screen! Meanwhile, Livingston, Anthony Martinez, Liam McCarthy, Mallory Lina’s squeaky voice might be the end of her career in Noltin, Kate Rocchio, James Shultz, Michael Skrzek, Joey “talking pictures” without the help of a talented young Simon and Kaylee Verble. actress to do the talking and singing for her. Each unfor- The creative team includes resident scenic designer gettable scene, song and dance is accounted for, including Kyle Dixon and resident lighting designer Jose Santiago, the show-stopping title number, complete with an onstage along with David Cabral (Costume Coordinator), Joanna rainstorm! Hilarious situations, snappy dialogue and a Lynne Staub (Sound Design), Meg Kane (Wig and Hair hit-parade score of Hollywood standards including Make Design), Kate L. Ferdinandi (Production Stage Manager), ‘Em Laugh, Lucky Star, You Were Meant For Me, Broad- and James Kane (Assistant Stage Manager). Singin’ in the way Melody, and Good Morning, make Singin’ in the Rain Photo courtesy theatrebythesea.com Rain is being produced for Theatre By The Sea by Bill the perfect entertainment for any fan of the golden age of Hanney (Owner/Producer), Kevin P. Hill (Producing Ar- movie musicals. be appearing in the featured role of the girl in the green tistic Director), and Thom Warren (Associate Producer). Directed and choreographed by Kelli Barclay, whose dress, the cast includes Tim Falter as Don Lockwood, who Singin’ in the Rain will be presented through July 13. New York City credits include Himself and Nora, Pipe had the honor of performing the iconic role for Debbie Performances are scheduled for Tuesday through Saturday Dream, City Center’s 20 Years of Encores, Camelot in Reynolds, sitting front row center, Allsun O’Malley, who evenings at 8:00 pm, Thursdays at 2:00 pm, Saturdays at Concert and The Oscar Hammerstein Awards Saluting will be making her Theatre By The Sea debut in the role of 3:00 and Sundays at 5:00 pm, with special added matinee Carol Channing, with musical direction by Milton Grang- Kathy Selden, and Sean McGibbon, whose Broadway and performances on Tuesday July 2, Wednesday July 3 and er, who returns to TBTS having previously music directed 1st National Tour credits include Million Dollar Quartet Wednesday July 10 at 2:00 pm. The theatre is located at Cats, Mary Poppins, and My Fair Lady, and assistant di- and Singin’ in the Rain, in the role of Cosmo Brown. Curt rected and choreographed by Kelly Gleason, who will also Denham, who returns to the TBTS stage after appearing See Singin’, page 21

Steere House has a tradition of excellence in caring and restoring individuals to optimum health. An independent non-profit organization, we serve adults who require skilled, restorative and long-term care services within a secure and caring environment. Situated on the campus of Rhode Island Hospital, we offer comprehensive short-term care for patients following a hospital stay. Our licensed, professional Transitional Care Unit (TCU) staff encourages continuing recovery and seeks to restore independence to daily living.

Steere House is also dedicated to meeting the individual care needs and assuring the best quality of life for our long term residents. Our trained staff brings a special blend of expertise and compassion to support residents and their families dealing with Alzheimer’s disease and related dementia disorders.

Five Star rated by CMS, Steere House is committed to providing the exceptional health services that have become our hallmark.

100 Borden Street | Providence, RI (on the campus of Rhode Island Hospital) 401.454.7970 | www.steerehouse.org 14 July 2019 • Senior Digest Poppy Champlin and Doreen Collins to Host Late Night Cabaret at Theatre By The Sea Wakefield, RI – Theatre By The Sea produced her character driven comedy pi- Cabaret on alternating weekends at Bis- owner and producer Bill Hanney is lot called “News You Can’t Use.” Poppy tro By The Sea following evening perfor- thrilled to welcome two of Rhode Island’s can be seen performing her comedy in the mances at Theatre By The Sea on select comedy queens, Poppy Champlin and HBO Documentary “All Aboard Rosie’s Friday, Saturday and Sunday evenings Doreen Collins, as the new hosts of the Family Vacation” and traveling around beginning on June 28. Reservations are Late Night Cabaret, held at the theatre’s the country producing her own show strongly recommended for the cabaret on-site restaurant, Bistro By The Sea. called “The Queer Queens of Qomedy,” and for dinner, (Tuesday – Sunday eve- “This is the year for shaking things up now in its fifth year. nings) and can be made by calling (401) at Theatre By The Sea,” said Bill Han- Doreen Collins, a New York University 789-3030 after 3:00 pm. ney. “We opened the season with a World theater major and 40-year SAG-AFTRA Tickets are on sale at the box office Premiere, which has been lovingly em- member, is the first female to have been Monday through Saturday from 11:00 braced by our audiences, and now we’re inducted into the Rhode Island Comedy am – 6:00 pm and performance days welcoming not one, but two new cabaret Hall of Fame. This title inspired her to until curtain, online 24-hours-a-day at hosts to the Late Night Cabaret! I believe produce female comedy shows to support www.theatrebythesea.com and via tele- this is yet another first at our 86 year old and promote female comics. Her most phone during normal box office hours seaside theatre.” recent production, The Ladies Room, in- by calling (866) 811-4111 or (401) 782- Poppy Champlin is a graduate from cluded four comediennes, was sponsored TKTS (8587). URI, with a degree in Theatre, who went by two female-owned businesses, and a Poppy Champlin on to the famed Chicago Second City Im- female-based charity was the recipient of prov school. A powerful performer, who a portion of the ticket sales. Doreen pro- can glide between practiced patter and duced, directed and hosted the award-win- off the cuff insightful improvisations, ning late night comedy show, “Rhode Poppy’s experience with classic stand- Bytes” for WJAR NBC10, as well as up and improv gives her a double-bar- co-producing and hosting, “The UnReal reled flexibility that works particularly Deal,” also for WJAR NBC10. Doreen is well with her subjects of choice. Her a cast member of the long-running polit- stand-up pedigree is flawless; from her ical musical satire Charlie Hall’s Ocean Showtime special “Pride” and her Logo State Follies. You can also find her and special “One Night Stand-Up” to Oprah Charlie in their latest endeavor, Aging Winfrey, and a featured story on “Enter- Disgracefully, an amusing musical look tainment Tonight,” to being a winner on at getting older. Doreen’s proudest ac- “The Joan Rivers Show” and guest pan- complishments are her children, Devlin elist on “Comics Unleashed with Byron and Sean. She’s living happily ever after Allen.” Poppy has opened for such com- in RI with Frank and Al, (not as kinky as ics as Ray Romano, Denis Leary, Bill it sounds, Al’s their dog), since the turn of Maher, Bill Hicks and Rosie O’Donnell. the century. She was a staff writer for FOX’s “Show Poppy Champlin and Doreen Collins Me The Funny” and wrote, starred in and will be hosting the popular Late Night Doreen Collins. Photos courtesy theatrebythesea.com Senior Digest • July 2019 15 House Passes Ackerman LGBTQ Bill Granting Employee Continued from page 11 Health care is another realm in which that older LGBTQ adults themselves have Restroom Access to LGBTQ people are more likely to con- cross-cutting identities that can affect their tend with issues of access, says D Magrini, needs. Those with Medical Issues the assistant director of community com- AARP’s “Maintaining Dignity” survey mitment and training at Whitman-Walker found that black and Latino community State House — The House of Represen- leading to an embarrassing and public ac- Health, a nonprofit health center in Wash- members, for example, were far more like- tatives on June 19th passed a bill intro- cident. ington, D.C., that focuses on care for the ly than their white counterparts to worry duced by Rep. Mia Ackerman (D-Dist. 45, Eligible medical conditions would in- LGBTQ community and those living with that their racial or ethnic identity put them Cumberland, Lincoln) that would allow clude Crohn’s disease, ulcerative colitis, HIV/AIDS. That could be due to past ex- at risk of poor-quality care. And transgen- those who suffer from certain medical con- any other inflammatory bowel disease, periences of discrimination or financial in- der adults face what GLAAD calls “stag- ditions to use restrooms that are reserved irritable bowel syndrome, pregnancy, can- stability, since these adults are more likely gering” rates of poverty, violence and dis- for employees only. cer or any other medical condition that to be living in poverty than their hetero- crimination — including that which occurs The legislation (2019-H 6062A) would requires immediate access to a restroom sexual peers. within the broader LGBTQ community. require retail establishments with three or facility. As part of her job, Magrini trains med- Magrini says that, 50 years from now, more employees on the premises without During committee hearings, the legisla- ical providers and their staff to offer cul- she hopes her job doesn’t exist — not be- public restroom facilities to allow custom- tion was given strong support by the med- turally competent care, which, she says, is cause older LGBTQ adults will cease to ers suffering from eligible medical condi- ical community, including gastroenterol- “care that is aware of, and responsive to, be a vital and vibrant community with a tions access to their employee restrooms ogist Alyn Adrain, a past president of the the needs and situations of the populations unique set of needs, but because providers upon presentation of documentation issued American College of Gastroenterology. they serve.” will have been trained in cultural compe- by a licensed physician. “The Centers for Disease Control esti- Ideally, Magrini says, cultural compe- tence from the outset. In the meantime, the “It’s a shame that we sometimes have to mates that 1.3 percent of the adult popu- tency would be integrated at every stage in resilience of older LGBTQ adults remains legislate compassion,” said Representative lation suffers from inflammatory bowel the process — from seeing LGBTQ-friend- a guiding force for the policymakers, ad- Ackerman. “I understand that not every disease, including Crohn’s disease and ul- ly waiting-room materials, to intake forms vocates and providers working to improve business has public restrooms for various cerative colitis,” Doctor Adrain, said, tes- that are inclusive of sexual orientation and housing, health care and more. reasons. But refusing access to someone tifying in favor of the bill. “That translates gender identity, to physicians and care pro- “Our LGBTQ elder pioneers are fierce,” with a medical condition simply because to about 3 million Americans and over viders who are able to use LGBTQ termi- says Faria. “They’re the ones that lit the of store policy is just inhumane.” 13,000 Rhode Islanders. You would think nology in a way that is natural, not stilted. spark that ignited the modern LGBTQ Inflammatory bowel disease can cause that basic human kindness and empathy “Often, providers are not aware that they rights movement, and they’re the fighters the sudden and sometimes painful urge to would dictate that public businesses would should be aware when their clients are on the front lines today saying, ‘We refuse have a bowel movement — and this urge allow them access in their time of urgent LGBTQ and that this might have implica- to be treated this way; we refuse to be in- doesn’t always happen when a public re- need. I believe this bill would ease the bur- tions for health,” she says. And, Magrini visible.’ “ stroom is available. The issue was first den these people face, without unduly bur- stresses, cultural competence is a model brought to the attention of Representative dening the businesses in this state.” that can be used among other marginal- Ackerman by a constituent who suffers The measure now moves to the Senate ized groups — especially important given from cancer and was denied access to an for consideration. employee bathroom during an emergency,

All Taxpayers Should Plan for East Bay Community Action Program is a private, non-profit 501 (c) (3) corporation that provides a wide array of health and hu- Natural Disasters man services to the residents of Rhode Island’s East Bay, including the municipalities of East Providence, Barrington, Warren, Bristol, By Meg Chevalier Remember the IRS is ready to help. In the case of a federally declared Little Compton, Tiverton, Portsmouth, Middletown, Newport, and Floods, wildfires, hurricanes, torna- disaster, affected taxpayers can call the Jamestown. dos and other natural disasters happen IRS at 866-562-5227. The taxpayer can quickly and often with little warning. speak with an IRS specialist trained to No one can prevent these disasters from handle disaster-related issues. Taxpay- happening, but people can prepare for ers can request copies of previously filed them. tax returns and attachments by filing Here are some things taxpayers can Form 4506. They can also order tran- do to help protect their financial safe- scripts showing most line items through ty should a disaster occur. Taxpayers Get Transcript on IRS.gov. They can should: also call 800-908-9946 for transcripts. Update emergency plans. Know what tax relief is available in A disaster can strike any time. Per- disaster situations sonal and business situations are con- Taxpayers should be aware that the stantly evolving, so taxpayers should Tax Cuts and Jobs Acts modified the review their emergency plans annually. itemized deduction for casualty and Create electronic copies of docu- theft losses. After Dec. 31, 2017, net ments. personal casualty and theft losses are Taxpayers should keep documents in deductible only to the extent they’re a safe place. This includes bank state- attributable to a federally declared di- ments, tax returns and insurance poli- saster. Claims must include the FEMA cies. This is especially easy now since code assigned to the disaster. many financial institutions provide Additional IRS Resources: statements and documents electronical- • Publication 584-B, Business Casu- ly. If original documents are available alty, Disaster, and Theft Loss Workbook only on paper, taxpayers should scan • Publication 547, Casualties, Disas- them. They should save them on a DVD ters, and Thefts or CD, or store them in the cloud. • Publication 5307, Tax Reform Ba- Document valuables. sics for Individuals and Families It’s a good idea to photograph or • Publication 583, Starting a Business videotape the contents of any home. and Keeping Records This is especially true when it comes • National Weather Service website to items of value. Documenting these items ahead of time makes it easier to Meg Chevalier is a senior tax spe- claim insurance and tax benefits if a cialist in the Providence office of the disaster strikes. The IRS has a disaster Internal Revenue Service. To contact loss workbook on the irs.gov. Using this or ask her a question, e-mail migueli- workbook can help taxpayers compile a [email protected]. room-by-room list of belongings. July 2019 • Senior Digest King Features Weekly Service 16 February 29, 2016

1. MUSIC: 1.Which GEOGRAPHY: singer andWhat groupriver flows made the song through the Grand Canyon? “Rock Around2. the MUSIC: Clock” Who a hit sang in 1954?the pop hit CLUES ACROSS “School’s Out”? 2. GEOGRAPHY:3. LANGUAGE: What is What the capitalis the subject of Australia? 1. “Grand” 3. HISTORY:studied Which in zythology? three nations made up ANZUS, 4. MOVIES: In “Ace Ventura: Pet 5. Possessed the Pacific defenseDetective,” treaty what in kind the of 1950s?creature was 4. TELEVISION:Jim Carrey What looking was for? the name of the actor who 8. Notoriety 5. ANIMAL KINGDOM: What is a played the bassgroup guitar of ants player called? in “The Partridge Family”? 12. Perukes 6. MATH: What is the name of an 5. GENERALangle KNOWLEDGE: that is more than 90 degreesWhat isbut the site of the 13. Crib 2020 Summerless Olympics? than 180 degrees? 7. HISTORY: Which country gave 14. Addict 6. FAMOUSthe StatueQUOTATIONS: of Liberty to theWhich United 19th-century States? 15. Rodgers/Hammerstein poet once wrote,8. INVENTIONS: “And what isWho so invented rare as the a day in June? Then, if ever,mercury come perfectthermometer? days”? show 9. CHEMISTRY: What element does 17. Night light? 7. MOVIES:the Br How symbol many stand for? children were in the Von Trapp family in10. “The ANCIENT Sound WORLD: of Music”? Which key 18. Get a glimpse of figure in the Trojan War was described 8. ANIMALin literatureKINGDOM: as having What “the isface a groupthat of lizards 19. Type measures launched a thousand ships”? called? Answers 20. Chews away (at) 9. ADVERTISING:1. Colorado What product was promoted with 2. Alice Cooper 21. Sphere the ad slogan “the3. Beer pause and beer that making refreshes”? 10. BIBLE: 4.In A which dolphin two chapters of the Bible’s New 22. Method 5. Colony Testament do the6. Obtuse Beatitudes, or blessings, appear? 23. Podiatrist’s concerns 7. France 26. Porter’s burden 8. Gabriel Fahrenheit Solutions on page 22

9. Bromine King Features Weekly Service 30. Last write-up 10. Helen of Troy February 1, 2016 31. Boxer © 2016 King Features Synd., Inc. 32. Currier’s partner 33. Smoker’s gadget 35. “Lady and the --” By Samantha Weaver

36. Listener * It was •noted It was 20th-century American journalist American and poet playwright Arthur 37. Crony CLUES DOWN 16. Towel designation 34. “The Way” in China Miller whoMax made Eastman the following who made sage the observation: follow- “Maybe all one can do ingis hope sage to observation: end up with “Peoplethe right whoregrets.” 38. Aware of 1. Pairs 20. Joke 35. Poi base demand neutrality in any situation are 2. Trudge through the 21. Bernstein/Comden/ 37. Anorak * When usuallycreating not its neutral cocoon, but the in favorsilkworm of the spins a continu- 41. Paving gunk status quo.” woods Green show 38. Swine ous thread more than a thousand yards long, or 12,000 times 42. Pump up the volume the length of• its When own you body. were To in accomplish school, you amay comparable feat, a 45. Scandinavian city 3. Look lecherously 22. Joker 39. Capri, for one 6-foot-tall manhave wouldhad to havememorize to spin the a namesthread thatof stretched un- all 50 states. You probably weren’t 46. Rodgers/Hammerstein 4. G8 nation 23. Army rank (Abbr.) 40. Oxen’s burden broken for taught,15 miles. though, that fully half of those 5. Test ban subject 24. Japanese sash 41. Lacking slack * You maynames be surprisedare derived to from learn the that languages the onion is actually a show of the continent’s native peoples. 6. Intentions 25. 18-wheeler 42. Unrepaired lily, botanically speaking. 48. Radiate * In 2016,• MichiganThe declarations State University that the physical received a delivery of 7. Genetic stuff 26. Prickly plant part 43. Netting book is dead have been overstated (as 49. Diving bird inedible mayonnaiseI’ve always -- maintained).the mayo had In beena recent frozen and thawed 50. Soy paste 8. Styne/Merrill show 27. Actress Gardner 44. Tactic during transit,survey spoiling of college all 10,000 students, pounds 72 of per the- condiment. In- cent of respondents made known their 51. Stitched 9. Drifting 28. Jewel 46. Upper limit stead of justpreference throwing itfor out, print MSU textbooks decided overto put the bad mayo 52. Sch. org. 10. Cat call 29. Kreskin’s claim 47. Ms. Thurman to good use.ebooks; The campus only 27 already percent had of this an anaerobicyouth- digester -- a device that ful,decomposes tech-savvy organic demographic waste saidand theyconverts it to meth- 11. Sea flock 31. Apiece preferred the electronic version. 53. Wan Solution on page 22 ane -- so they poured in all 500 2.5-gallon tubs. • Those who study such things report * Guinness,that thatbeloved notoriously British darkauthor and Charles bitter brew, contains fewer caloriesDickens that skimwas adamant milk or orangethat he alwaysjuice. Stout for break- fast, anyone?sleep with his head pointing north. He even carried a compass with him HOROSCOPES FOR JULY 2019 * If someoneeverywhere were toto askensure you proper to name position the -sunniest spot on Earth, you ing.might be tempted to answer “the Sahara Desert” or ARIES (March 21-April 20) LEO (July 23-Aug. 23) SAGITTARIUS some other such• If you’re exotic a fanplace. of James You wouldBond, yoube wrong, though; Keep an open mind when Try to include friends and (Nov. 23-Dec. 21) that distinctionmay belongsbe surprised to a town to learn right herethat inIan America. Out of Fleming, the creator of that notori- listening to the opinions of relatives in your activities. It’s doubtful anyone will try the possibleous 4,456 character, daylight also hours wrote each the year,beloved the sun shines for others. Be courteous if you wish to You will find the perfect outfit if you to stand in your way or cut you off at an average children’sof 4,050 inbook Yuma, “Chitty-Chitty-Bang- Arizona. That means that there’s avoid major delays. Sudden changes shop this month. You can visit cli- the pass this month. Opportunities to cloud coverBang,” or rain based for only on aboutbedtime 10 storiespercent the of the time there. author made up for his young son. regarding work and colleagues are ents and make a big impression just make financial gains through invest- *** • If you’re traveling in China and apparent. You will be uncertain of by giving them some hands-on help. ments look promising. You must look Thought proposefor the Day:a toast “Whatever in someone’s a man honor, prays for, he prays your feelings. You will enjoy interaction with oth- into your options. If everyone wants for a miracle.be sureEvery you’re prayer holding reduces the glassitself withto this: Great God, ers this month. to do their own thing, let them. grant that twiceboth hands;two be onlynot four.” rude people-- Ivan —Turgenev and unenlightened foreigners — use just TAURUS one hand. (April 21-May 21) VIRGO (Aug. 24-Sept. 22) CAPRICORN (c) 2019 King• Clyde Features Barrow Synd., was alreadyInc. a noto- Do not let others exhaust Your tendency to dramatize (Dec. 22-Jan. 20) rious criminal when he wrote a letter you financially. Try to iron out any may be a little much for your You have a real need to be to Henry Ford in 1934 complimenting him on the “dandy” automobile he’d friction over money with your mate partner to take constantly. You’ll find vocal. Expect temper tantrums on the Funmade. By The Ford The V-8 was Barrow’sNumbers pre- or conflicts could prevail. Don’t it easy to deal with government agen- home front if you haven’t been let- ferred getaway car. Just a month later, bother complaining, do the work cies or large institutions. You can ac- ting someone have their way. You Like puzzles?Bonnie and Then Clyde wereyou’ll killed love in a sto -Sudoku. This mind-bendinglen Ford puzzle Deluxe will V-8 have in a shootoutyou hooked with from the mo- yourself. Communication must be complish a great deal. Find out exact- won’t have to look for the action. police. open, precise, and honest. ly what’s expected of you and you’ll Remember; talk to them, not at them. ment you square off, so sharpen your pencil and put your Sudoku savvy to the test!*** be surprised to find out how capable Thought for the Day: “The GEMINI (May 22-June 21) you are. AQUARIUS most potent weapon in the hands Someone may be trying (Jan. 21-Feb. 18) of the oppressor is the mind of the oppressed.” — Steve Biko to damage your reputation. LIBRA (Sept. 23-Oct. 23) You’ll have problems with author- © 2016 King Features Synd., Inc. You need to make changes that will New hair, new outfit, new ity figures if you don’t play by the raise your self esteem, such as a new you. You should sit down with rules. Courses dealing with psychol- hairstyle or a new image. Use some someone you trust and work out a ogy or health care will be of interest. diplomacy to get your point across budget that will enable you to save a Be careful not to divulge secret infor- delicately. Make changes regarding little extra. You may overspend if you mation this month. Do not expect too your friendships. travel this month; however, the trip much from others. will be one to remember. You could CANCER (June 22-July 22) have a change of heart if an old flame PISCES (Feb. 19-March 20) You must be careful not waltzes back into your life. Think twice before you to trust just anyone. Any contribu- agree to take on any new projects. tions you make to organizations will SCORPIO (Oct. 24-Nov. 22) Try to be reasonable. You must make enhance your reputation and bring You will have to put those them stand on their own two feet you offers. You should sit down with you live with in their place if regardless of how much you want someone you trust and work out a they try to interfere with your work. to make things better for them. You Here’s How It Works: row, column and box. You budget that will enable you to save Brunch, a long walk, or a quiet din- should be looking at ways to spoil Sudoku puzzles are for- can figure out the order in a little extra. You should not get in- ner will secure your position in the yourself. matted as a 9x9 grid, bro- which the numbers will ap- volved in joint ventures. relationship. You can make reason- ken down into nine 3x3 pear by using the numeric able bids on real estate or large items boxes. To solve a Sudoku, clues already provided in for your home. You will find that you the numbers 1 through 9 the boxes. The more num- can work progressively at improving must fill each row, column bers you name, the easier it yourself this month. and box. Each number can gets to solve the puzzle! appear only once in each Solutions on page 22 Senior Digest • July 2019 17 Hiring an In-Home Caregiver Dear Savvy Senior, clean, run errands or perhaps I need to locate a good bathe? Or does she need in-home caregiver for my more continuous care that 83-year-old mother. What’s requires daily visits or a full- the best way to find and hire time aide? one? After you determine her - Looking for Care needs, there are two ways in which you can go about hir- Dear Looking, ing someone. Either through Finding a good in-home an agency, or you can hire caregiver for an elderly someone directly on your parent can be challenging. own. How can you find one that’s Hiring Through an Agency reliable and trustworthy, as Hiring a personal care or well as someone your par- home health aide through ent likes and is comfortable an agency is the safest and with? Here are some tips easiest option, but it’s more Photo courtesy aginginplace.org that can help. By Jim Miller expensive. Costs typically Know Your Needs run anywhere between $14 health compare tool at Medicare.gov/ on if a problem occurs or if the aide doesn’t Before you start the task and $25 an hour depending HomeHealthCompare to help you find and show up. You’re also responsible for pay- of looking for an in-home caregiver, your on where you live and the qualification of compare home health care agencies. ing payroll taxes and any worker-related first step is to determine the level of care the aide. You also need to be aware that original injuries that may happen. If you choose your mom needs. This can pinpoint the How it works is you pay the agency, and Medicare does not cover in-home caregiv- this option make sure you check the aide’s type of help she’ll need. For example, if she they handle everything including an assess- ing services unless your mom is receiving references thoroughly, and do a criminal only needs help with daily living tasks like ment of your mom’s needs, assigning ap- doctor’s ordered skilled nursing or therapy background check, which you can do sites shopping, cooking, doing laundry, bathing propriately trained and pre-screened staff services at home too. But, if your mom is like eNannySource.com. or dressing, a “homemaker” or “personal to care for her, and finding a fill-in on days in a certain Medicare Advantage plan, or is To find someone, ask for referrals or try care aide” will do. her aide cannot come. low-income and qualifies for Medicaid, she eldercare-matching services like Care.com But, if she needs health care services, Some of the drawbacks, however, are may be eligible for some coverage. or CareLinx.com. Or, for a fee, an aging there are “home health aides” that may do that you may not have much input into the Hiring Directly life care expert (see AgingLifeCare.org) all the things a homemaker does, plus they selection of the caregiver, and the care- Hiring an independent caregiver on your can help you find someone. also have training in administering medica- givers may change or alternate, which can own is the other option, and it’s less expen- tions, changing wound dressings and other cause a disruption. sive. Costs typically range between $12 Send your senior questions to: Savvy Se- medically related duties. Home health aides To find a home-care agency in your and $20 per hour. Hiring directly also gives nior, P.O. Box 5443, Norman, OK 73070, often work under a nurse’s supervision. mom’s area ask for referrals through you more control over who you hire so you or visit SavvySenior.org. Jim Miller is a Once you settle on a level of care, you friends, family or doctor’s offices, or use can choose someone who you feel is right contributor to the NBC Today show and then need to decide how many hours of the Area Agency on Aging’s home-care for your mom. author of “The Savvy Senior” book. assistance she’ll need. For example, does locator service at PayingForSeniorCare. But, be aware that if you do hire some- your mom need someone to come in just com – click on “Find Quality, Affordable one on your own, you become the employ- a few mornings a week to help her cook, Care.” In addition, Medicare offers a home er so there’s no agency support to fall back There’s a June Was Alzheimer’s Doctor and Brain Awareness Month, in the So Here is What to Look For House! Dr Vincent Vacca Talking about cognitive early diagnosis can help everyone prepare long-term and Our full time, on-site physician and impairment is difficult, and Living with obtain the resources they need. knowing what to look for is Raising awareness is key, including learning and shar- nurse practitioner assure that you: Alzheimer’s • not always easy. We should ing the 10 warning signs of Alzheimer’s disease: See a physician more frequently be having positive conver- 1. Memory loss that disrupts daily life • Recover sooner sations about Alzheimer’s 2. Challenges in planning or solving problems • Reduce your risk of re-hospitalization with a family member or 3. difficulty completing familiar tasks friend who is exhibiting 4. Confusion with time or place Offering:  symptoms. A 2018 Alzhei- 5. Trouble understanding visual images and spatial re- 24/7 admissions Short and long-term care mer’s Association survey lationships In-house physical therapy, occupational, respiratory found a majority of Amer- 6. New problems with words or speaking or writing and speech therapies icans would be concerned 7. Misplacing things and being unable to trace steps Wound care, Stroke recovery, Parkinson treatment about offending a family 8. Decreased or poor judgement private and semi-private rooms member (76 percent) or ru- 9. Withdrawal from work or social activities  internet, phone and cable ining their relationship (69 10. Changes in Mood percent) if they were to ap- Anyone can find out more at alz.org/ri. proach that person about ob- By As a patient of Cherry Hill Manor you may request served signs of Alzheimer’s. Eric Creamer Eric Creamer is the Director of Public Policy and Me- ® Dr Vacca as your It is Rhode Island’s fifth dia Relations for the Alzheimer’s Association Rhode attending physician. leading cause of death, af- Island Chapter. He may be reached by phone at (401) Call for your tour fecting more than 23,000 residents and 53,000 caregiv- 859-2334, ext. 9705 or (800) 272-3900 or by email at 401.231.3102 ers. Despite Alzheimer’s growing impact, many families [email protected]. 2 cherry hill rd struggle with discussing the issue. johnston, ri Family and friends may be the first to recognize there may be memory loss, but they do not talk to their loved one about it. Having a conversation is vital because an 18 July 2019 • Senior Digest Volunteer Opportunities with Community VNA Check out the following volunteer opportunities to be a part of making a difference in the life of others.

5K Run/Walk to Remember: Our comprehensive, 20-hour, hospice Volunteer at the Center of Your Choice! Norwood Adult Day Health Center Multiple Opportunities training equips participants with the knowl- 595 Pleasant Street, Norwood, MA edge and insight to volunteer in end-of-life Harmony Adult Day Health Center 781.769.4495 Sunday, August 4 care and caregiver support. Volunteers can: 725A Myles Standish Blvd. [email protected] from 7:00 to 11:00 AM • visit a patient and/or family member to Taunton, MA North Attleboro Town Hall, provide companionship and support; 508.880.3000 43 South Washington Street, • support family members, loved-ones, [email protected] North Attleboro, MA or other caregivers, to provide respite care; Mansfield Adult Day Health Center • help a patient, or family member with Planning a successful road race takes 300 Branch Street, Mansfield, MA errands. careful organizing and most important- 508.339.2119 To apply by August 2nd, or for more in- ly, volunteers! This is a great opportunity [email protected] formation, contact: to contribute to the success of the event Carolyn Woodruff whether or not you are a runner, walker, or Volunteer Coordinator roller. Phone: 508.222.0118 Opportunities, include: [email protected] • Event set-up & break-down • Course spotters Program Support: • Registration assistant Adult Day Health Centers • Raffle sales With the exception of a minimum age Mondays through Fridays requirement for course spotters to be 18 from 9:00 AM to 3:00 PM or older, there are no other special require- Choose from one of our ments for volunteering. We simply seek 3 Center locations: your time, talent, and enthusiasm, and Mansfield, Taunton, Norwood you’re sure to have fun! Schedules vary depending on location. This opportunity is perfect for students in need of fulfilling service hour and/or We offer a number of volunteer opportu- graduation requirements. nities centered around assisting the elders For questions, contact: and disabled adults that we serve. Volun- Jeffrey LaValley teers can: Community Relations & • Assist with individuals or small groups Fund Development Manager • Aid activities staff with themed events 508.222.0118, ext.. 1303 • Help serve lunchtime meals [email protected] • Tend to landscaping & gardens • Engage in the fun — play checkers, Hospice Volunteer Training: This Fall paint, solve word puzzles, enjoy walks, of- Tuesdays & Thursdays, fer a manicure, or tell stories & have September 5 - 26 from 9:00 AM to Noon a conversation! Community VNA 10 Emory Street, Attleboro, MA THE SEASONS ASSISTED LIVING The Seasons East Greenwich is a Celebrate Life With Us non-profit assisted living community committed to up- holding the highest standards of care and amenities. We are pleased to have earned a repu- tation as a premier community offering both tradition- Traditional & Memory Care al and memory care neighborhoods. As a non-profit Neighborhoods Available organization, we are not driven by the daily pressures 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 to increase the “bottom line” for owners, investors and & SHORT-TERM STAYS shareholders. Our focus 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. Celebrate Life with us!

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 fax: 401-884-7439 A joint venture of Scandinavian Communities and web: theseasons.org Steere House Nursing and Rehabilitation Senior Digest • July 2019 19 ’Tis the Season for Grilling Summer’s arrived in New Grilled Shish Kabobs and refrigerate at least 30 minutes. Cut top and bottom off pineapple, peel, England and we’re ready to Preheat outdoor grill for medium-high and cut into 1/2-inch rings. Core out center fire up the grill. Kabobs: heat; lightly oil grate. of each ring. We checked out the spe- 2 pounds chicken or beef, Remove salmon from marinade. Shake Spray grill grate with cooking spray; pre- cials at the supermarket and cut into large cubes off excess. Discard remaining marinade. heat to medium. Grill pineapple, in 2 or 3 found some good-looking 8 mixed bell peppers, in Cook on grill until fish is opaque in center batches, 2 to 3 minutes per side, until nicely chicken breasts and drum- large chunks and flakes easily with fork, at least 4 min- brown and grill marks have appeared. For sticks, fresh salmon fillets, 1 pint cherry tomatoes utes per side. Serves 4. sauce, heat butter, brown sugar, and rum in top loin steak, and country 2 small red onions, in saucepan over low heat, stirring, until sugar style ribs. large chunks Grilled Pineapple with Rum Sauce dissolves and sauce thickens slightly, about The boneless chicken Marinade: 2 minutes. Remove from heat. breasts have been marinating 4 cloves garlic, crushed To serve, place pineapple ring on each in a wonderful sweet and sour 3/4 cup vegetable oil plate, scoop ice cream onto center of ring, marinade that’s easy to make 3/4 cup lemon juice and drizzle with sauce. with fresh garlic, lemon and 1/3 cup honey *(Note: you can also buy pre-sliced pine- lime juice, brown sugar, and 1/4 cup soy sauce apple slices) mustard. A side of potato sal- 1/2 teaspoon ground ad and some sweet corn will black pepper Portia Little is the author of theme gift finish off this mouth-water- 1 tablespoon cookbooks including Bread Pudding Bliss; Photo courtesy foodnetwork.com ing meal. powdered ginger New England Seashore Recipes & Rhyme; We’ve also packaged up some salmon 1 teaspoon salt The Easy Vegetarian; Cooking with Coffee; and beef kabobs to keep in the freezer for 1 tablespoon mustard powder 1 pineapple (3 to 4 pound)* and Lusty Limericks & Luscious Desserts. future grilling. An easy marinade goes well Cooking spray Visit her website: www.portialittle.com with chicken or beef, and you can finish Combine marinade ingredients. Reserve 2 teaspoons butter off the skewers by adding cherry tomatoes, about 1/2 cup marinade in separate contain- 1/4 cup brown sugar bell pepper chunks, and onions. And speak- er for basting. Add meat and marinate in 1/4 cup rum ing of vegetables, while you’re grilling fridge at least 2 hours or overnight. Thread Vanilla ice cream for serving your favorite meat or fish, why not just pop meat and veggies onto skewers and grill. some sliced zucchini, onions, mushrooms, Baste with reserved marinade while grill- and tomatoes onto the grill to cook at the ing. Serves 8. same time. No need to stop with protein and veg- etables, however. Fresh fruit slices such as pineapple are wonderful from the grill topped with a butter-rum sauce and vanilla ice cream. It doesn’t get much better than this.

Grilled Sweet and Sour Chicken Photo courtesy my heavenly recipes.com

1/4 cup cider vinegar Balsamic and Rosemary Grilled Salmon 3 tablespoons prepared coarse-ground mustard 3 cloves garlic, peeled and minced 1 lime, juiced 1/2 lemon, juiced 1/2 cup brown sugar 1 1/2 teaspoons salt Ground black pepper to taste 6 tablespoons olive oil Photo courtesy thedailymeal.com 6 skinless, boneless chicken breast halves 4 4-ounce salmon fillets In large glass or ceramic bowl, mix vine- Sea salt to taste gar, mustard, garlic, lime juice, lemon juice, 1 tablespoon balsamic vinegar brown sugar, salt, and pepper. Whisk in olive 3 tablespoons olive oil oil. Place chicken in mixture, cover and mar- 1/4 cup lemon juice inate in fridge 8 hours or overnight. 1 clove garlic, minced Preheat outdoor grill for high heat. Lightly 1 sprig fresh rosemary, minced oil grill plate. Place chicken on prepared grill; Season salmon to taste with salt. Place in cook 6 to 8 minutes per side or until juices glass or ceramic dish. Whisk together mar- run clear. Discard marinade. Serves 6. inade ingredients. Pour over salmon. Cover

Scammers Continued from page 3 fraud. There are a number of agencies and be shut-ins, deprived of the good fortune organizations that provide a wide variety of you enjoy. resources, from the AARP to credit unions; Be a good Samaritan and reach out to from the CFPB (the Consumer Financial them. Tell them what you have read and Protection Bureau) to the office of your learned about financial exploitation and all state’s attorney general; from your coun- the scams targeting seniors. Who knows? ty’s district attorney to its senior services You just might save them from losing their agencies. Visit www.BetterValuesBetter- life savings! Now wouldn’t that be an hon- Banking.com to tap links and articles from orable way to pay tribute to someone who To Advertise in many of these resources. has sacrificed so much for us and our free- As I concluded the Lunch & Learn in dom? Braintree, I asked all the veterans in the room along with their caregivers and fam- Walter Laskos is senior vice president of ily members to be a good Samaritan. Now, Strategic Communications at the Cooper- I ask the same of you. ative Credit Union Association. He can be There are many senior veterans who will reached at [email protected] Please Contact Tom Reily not read my column about financial -ex ploitation. There are many who do not re- at 508-336-6633, ext. 337 ceive the Senior Digest. Many others might 20 July 2019 • Senior Digest RI Reds Announce Meals on Wheels of RI 19th Annual Announces Appointment Reunion Plans of Megan Grady as Providence, RI - The Rhode Island Reds zation’s traditional reunion festivities at Heritage Society has announced plans for Goddard State Park in Warwick, hosting Executive Director its 19th annual weekend reunion, August 2, players and fans from all decades, past and Providence, R.I.— The board of direc- western University Kellogg School of 3 and 4. The three-day celebration this year present. th tors of Meals on Wheels of Rhode Island Management’s Center for Nonprofit Man- will salute the 70 anniversary of the of “Last year we had one of our strongest is pleased to announce the appointment of agement, the unique program is catered to old Rhode Island Reds’ American Hockey turnouts of players and fans ever at God- Meghan Grady as the agency’s executive highly motivated nonprofit professionals League Calder Cup championship season dard State Park,” O’Connor recalls. “We director. to grow their leadership capacity and have back in 1948-49. hosted 235 guests that included 30 former Grady, who most recently served as a greater impact on the sector. This year’s reunion chairman once again Reds’ players and other ex-pros. It’s early chief operating officer for YWCA Rhode In 2015, she was awarded a Hassenfeld will be Bill O’Connor, who has chaired all right now, but we already have signed up a Island for nearly eight years, began her Public Service Fellowship and completed 18 previous Reds’ reunions. O’Connor and number of fans and a dozen players.” new role on June 24. Harvard University Kennedy School of his committee have planned a trio of enter- The annual Goddard State Park event “Meghan’s vast experience in nonprofit Government’s Leadership Decision Mak- taining events for former Reds and other will feature on-stage introductions of for- leadership and passion for creating change ing executive education program. She ex-pros, plus young and older fans who mer Reds and other pros attending, presen- to better the lives of Rhode Islanders will also has won a Roger Williams University attend. tation of special annual awards, a delicious help Meals on Wheels of RI continue to Young Alumni of Achievement Award and Events will include a private “Meet & buffet luncheon, and music from the past. grow and prepare for a future where our serves on the United Way of Rhode Island Greet” face-off reception for players and Admission to the event at Goddard is services will be in even higher demand,” Board of Directors. sponsors on Friday (Aug. 2) at reunion $40 per person for adults, $15 for children said Kevin Millonzi, Meals on Wheels of Grady earned a master’s degree in pub- headquarters in the Hampton Inn & Suites ages 6-12, and no charge for ages 6 and un- RI Board Chair. “We are incredibly excited lic administration from Roger Williams on Post Road in Warwick. Saturday (Aug. der. For additional ticket info, folks should to have her lead our agency into its next University and a bachelor’s degree from 3) will mark the popular reunion din- contact Mal Goldenberg at 401-864-6191 chapter.” Merrimack College. ner-dance, this year to be held at the 12 or email [email protected]. No tickets will As YWCA RI’s She lives in Bar- Acres banquet facility in Smithfield, and be sold at the gate. COO, Grady was rington with her hus- Sunday (Aug. 4) will feature the organi- responsible for band, Eric P.W. Hall. day-to-day leader- The board of ship and internal directors thanks operations of the MOWRI Director organization, which of Operations Lauri has an annual bud- Kaplan and Finance get of $3.2 million & MIS Director Pa- and has locations in tricia Sullivan for Central Falls, Cov- serving as co-interim RI Reds Announce entry, Providence executive directors and Woonsocket. Her commitment to the during the search. Winner of the agency’s mission of empowering women About and eliminating racism has received wide- Meals on Wheels of Rhode Island spread recognition, including being named Since 1969, Meals on Wheels of Rhode Ray Ross Award a Providence Business News 40 under 40 Island has focused on meeting the nutri- Providence, RI - The Rhode Island Reds teams before getting his call to the NHL. and receiving a United Way of Rhode Is- tional and other special needs of the el- Heritage Society has announced that for- Among his career highlights, Brooks land Young Leaders Spark! Award, both in derly in order to help them maintain their mer Rhode Island Reds and Boston Bruins shared the Harry “Hap” Holmes Memori- 2016. independent lifestyles. Meals on Wheels goaltender Ross Brooks will receive the al Award for lowest goals against average Prior to her most recent role, she held of RI directly addresses the issues of nu- Ray Ross Perseverance Award on Sunday, in the AHL with teammate Dan Bouchard leadership positions within the City of trition, health and safety in our senior pop- August 4 as part of its 19th annual reunion in 1972. In the 72-73 NHL season, Brooks Providence during Mayor Angel Taveras’ ulation, impacting thousands across the weekend. matched an NHL record at the time, set by administration and at the American Heart state every year with our Home-Delivered The award is named after forward Ray Bruins’ goaltender Tiny Thompson way Association. Meal Program, the only nonprofit meal de- Ross, a Reds fan favorite from the 50’s and back in the 20’s for the longest consecutive “I am honored to be selected as Meals livery program of its kind in Rhode Island; 60s, who steadfastly toiled for 14 seasons winning streak by a goaltender, 14 games. on Wheels of RI’s next executive director, the Capital City Café Program and Senior (9 with the Reds) in minor league hockey Brooks played for the Bruins from 1972 and to build upon the 50 years of work the Restaurant Program, which offer commu- but unfortunately never got a call to the until 1975 and then a single season with agency, its dedicated staff and exceptional nity-based dining for more mobile seniors; NHL. On the other hand, Ross Brooks’ dil- the Rochester Americans before retiring. volunteers have done to improve the health an Emergency Meal Program; the Senior igence and persistence paid off after spend- Playing for a powerhouse team that regu- and lives of our most vulnerable seniors,” Wish Program, providing necessities for ing 9 seasons as backup goalie for the Reds larly finished around the top of the league Grady said. “The organization is doing seniors in need; and the Pet Food Program. and other minor league teams when he was standings, he compiled a career record of such incredibly important and vital work, Meals on Wheels of Rhode Island, a 501 finally given that elusive roster spot in the 37 wins with just seven losses and six ties and I look forward to leading efforts to in- (c) (3) organization, is not an affiliate of a NHL with the Boston Bruins at age 36. He with a goals-against average of 2.63. His crease its impact across the state.” national organization and relies on dona- became one of the oldest rookies in NHL career winning percentage is one of the In 2017, Grady was selected for the na- tions from individuals, corporate funding history after paying his minor league dues. highest recorded for goalies with 50 or tionally competitive Allstate Foundation and sponsorship and foundation grants. All His long career as a professional hockey more decisions. Greater Good Nonprofit Leaders Program. funding received directly provides services goaltender took him to six leagues and 14 “Ross is truly a most deserving person Developed in partnership with the North- for RI residents. to receive the Perseverance Award. He worked very long and very hard during his career to perfect his game and get to the Admission to the event at Goddard Park at the 12 Acres banquet facility in Smith- top,” said Buster Clegg, the Heritage Soci- is $40 for adults, $15 for children ages 6-12 field. Guest speaker will be Greg Bouris, ety’s founding president and former Reds’ and no charge for ages 6 and under. For ad- former communications director for the general manager for parts of Brooks tenure ditional ticket or event information, please New York Islanders and Florida Panthers with the Reds. contact Mal Goldenberg at mal@rmcri. and the MLB Players Association. Tickets Today Brooks, a resident of Lincoln, com or call 401-864-6191. No tickets will are $50 each and can also be reserved by remains active and regularly attends Reds be sold at the gate. contacting Mr. Goldenberg at the above. reunion weekends. Since retiring he has On August 3rd, the night preceding, the None will be sold at the gate. coached high school hockey, worked with Reds will also host its annual dinner-dance the Providence Bruins and served as a man- ager of operations at Providence College’s Schneider Arena. To Advertise in The annual Goddard State Park event Au- gust 4th will feature onstage introductions of former Reds and other ex-pro hockey players, presentations of special awards, a delicious buffet luncheon and memorable music from the good old days from Reds games at the Rhode Island Auditorium. Please Contact Tom Reily at Photo courtesy Rhode Island Reds Last year’s event drew 253 guests that in- Heritage Society cluded 30 former Reds and other ex-pros. 508-336-6633, ext. 337 Senior Digest • July 2019 21 Until Death CAPITAL CITY CAFÉ LOCATIONS A person is eligible for the Café program if he/she Do Us Part is 60 years of age or older. Handicapped or disabled June, the month of wed- your wedding vows by ask- individuals under the age of 60 are eligible if they reside in dings has passed. All of ing for, and accepting help a housing facility where a café site is located. the happy couples have in providing care. Advance reservations are required. returned from their sun- As some illnesses prog- drenched honeymoons. ress, such as dementia, MS, Aaron Briggs Manor Grace Apartments Now the work of build- ALS or after a stroke it may (401) 331-2832 (401) 861-7524 ing a life together begins. become impossible for you The children come (or not) to be able to provide all of the 301 Cranston St., 280 Washington St., and times flies though the care needed by your spouse. Providence 02903 Providence 02903 toddler phase and then the The 5 foot 2 inch 100 pound Meals served at 11:30 a.m., Meals served at 11:30 a.m., school years. The mortar wife will have trouble trans- Mon & Fri Tue & Thu boards and tassels are flung ferring her 6 foot 180 pound in the air and then the song By Deborah L. husband from the bed to a repeats itself. Each year Burton, MS wheelchair. A husband can Carroll Towers LGBT Café (401) passes faster and faster. not stay awake all day and (401) 751-6400 351-6700 We are aging slowly every day. As time night to care for his wife with dementia creeps up on us we give it a shrug and ad- who is set on “going home” right out the 243 Smith St., located at the just. I myself have found, as the years are door. Your role has changed. Providence 02908 Church of the Transfiguration slipping by, my arms are suddenly becom- A sudden onset illness-a heart attack or Meals served at 11:30 a.m. 1665 Broad St., ing shorter (-or is everything simply being stroke can change your role at a stunning Mon - Fri Cranston 02905 printed smaller?). The stuff on the top shelf speed. Your spouse is no longer able to now holds less interest as it becomes hard- return home-now what? Where does that Meals served at noon er to get it down. We see the grey creep leave you? Your vows-for better or worse, Center for Southeast Asians every 3rd Friday into our partners hair. The soft wrinkles in sickness and health drum beat in your (CSEA) around their eyes, the smile lines. head. Wedding vows are to stick together When the love of your life requires care (401) 247-8811 St. Elizabeth Place through richer and poorer, for better or beyond what you are able to provide, your 270 Elmwood Ave., (401) 273-1090 worse and in sickness and health -until role becomes one of being their advocate Providence 02907 700 Westminster St., death do us part. Until those times come and champion. It becomes your job to edu- Meals served at noon, Providence 02903 it’s hard to predict what to expect of your- cate staff on what your spouse has always self or your spouse. enjoyed and what they have disliked. Make Wed - Thu - Fri Meals served at noon, When you become a caregiver for your sure they are being cared for in a way that Mon - Fri spouse things change. The blushing young reflects who they are as an individual. Federal Hill House bride needs help in the shower. The strong- To love, honor and cherish, in sickness (401) 421-4722 St. Martin DePorres just-returned-from-service groom needs and in health, until death do us part also help getting dressed. Your marriage vows means loving your spouse enough to let go 9 Courtland St., (401) 274-6783 ring in your ears-in sickness and in health. and get the help you both need. Providence 02909 160 Cranston St., Are you nurse or spouse? It can be physi- Meals served at 11:30 a.m., Providence 02907 cally hard to provide care for another per- Deborah Burton, MS is the founder of son. It is definitely emotionally hard. It is a Senior’s Choice Consulting and Executive Mon – Fri Meals served at 11:30 a.m., task we do with love in our hearts but there Director of the RI Elder Info nonprofit. Mon – Fri are times that it is exhausting. Reach her at DeborahLBurtonMS@gmail. Fox Point Manor Caregiver burnout, is the physical, men- com or 401-585-0509. (401) 751-7372 tal and emotional exhaustion that changes the relationship from positive and caring to 575 Wickenden St., negative and uncaring. Loss of sleep, irri- Providence 02903 tability, change in appetite or weight and Meals served at noon, loss of interest in activities you used to en- joy are all signs of caregiver burnout. Wed & Fri Caregivers need to allow others to help. For more information about these programs, to view menus or related Hiring help is an option for some but not for all. A friend, or family member may volunteer opportunities, please visit our website at www.rimeals.org step in to give you a bit of time to take or call (401) 351-6700 and ask for Nutrition Services. care of your own needs. Letting go of the need to be in charge of everything all of the time can be hard. You are not betraying Singin’ Continued from page 13

364 Cards Pond Road, Wakefield. Tickets curtain, online 24-hours-a-day at www. are $54 - $77 for all performances (addi- theatrebythesea.com and via telephone tional fees may apply). Discount rates are during normal box office hours by call- available for groups of 10 or more by call- ing (866) 811-4111 or (401) 782-TKTS ing (401) 782-3800 x112. Tickets are on (8587). sale at the box office Monday through Located on Rhode Island’s South Shore, Saturday from 11:00 am – 6:00 pm and Theatre By The Sea celebrates 86 years of performance days from 11:00 am until summer theatre at its best!

22 July 2019 • Senior Digest

(c) 2019 King Features Synd., Inc. Synd., Features King 2019 (c)

10. Matthew and Luke and Matthew 10.

9. Coca-Cola 9.

8. A lounge A 8.

7. Seven 7.

6. James Russell Lowell Russell James 6.

5. Tokyo 5.

4. Danny Bonaduce Danny 4.

3. Australia, New Zealand and the United States United the and Zealand New Australia, 3.

2. Canberra 2.

1. Bill Haley & His Comets His & Haley Bill 1.

1. “Great Expectations” “Great 1. Answers:

SUDOKU SOLUTION SENIOR RESTAURANT PROGRAM

Meals on Wheels of Rhode Island is proud to offer a Restaurant Program designed for seniors on-the-go. Rhode Island seniors age 60 or older are eligible. For a suggested donation of $5.00 per voucher, the senior obtains a voucher to take to the participating restaurant of their choice in exchange for meal options provided by the restaurant. Choose from a select menu of choices including a protein, starch, vegetable and fruit. **Gratuity not included in the meal price.**

Participating Restaurant Locations Newport Creamery (All locations except Barrington, Newport & Middletown) Mon. - Sat. / 7:00 am to 8:00 pm Pizza J Restaurant 967 Westminster St., Providence, RI Mon. - Fri. / Noon to 4:00 pm Uncle Tony’s Pizza & Pasta Restaurant 1455 Oaklawn Ave., Cranston, RI 46 Putnam Pike, Johnston, RI Mon. - Fri. / 11:30 am to 4:00 pm

To learn more or to obtain a voucher, visit Meals on Wheels of RI at 70 Bath St., Providence, RI 02908 (401) 351-6700 Meals on Wheels of RI is a nonprofit organization funded in part by the U.S.Administration on Aging (AoA) & state funds through the RI Division of Elderly Affairs. Senior Digest • July 2019 23 When Can You Retire? People often ask, “How much money do I need to save first year of retirement and withdraw the same amount the next year, adjusted for inflation. before I can retire?” In addition, there are many retirement calculators online that can help you predict how Predicting how much you need depends on a number of much money you need to save for retirement and/or how much you can withdraw each factors, including how much you will spend each year, when year. you will stop working, and your sources of retirement in- If your projected savings will not be able to cover the difference between your retire- come. In addition, you need to know the growth rate of your ment expenses and your retirement income, you will have to aggressively save and/or cut savings and investments, the inflation rate, and an estimation living costs. The risks of not having enough money in retirement savings include a stock of how long you will live. Most of these variables can’t be market drop, higher inflation, a longer life expectancy, and spending too much too soon. predicted with certainty. However, you still should prepare a There are ways to address these risks, including spending less and saving more prior to plan and then reassess your plan each year. It is better to plan retiring, delaying retirement, working part-time during retirement, lowering your living ahead than risk outliving your money. and housing expenses, and adjusting your withdrawal rate. There are many ways to estimate how much you need to There is no magic number to answer the question, “How much money do I need to save save before you retire. FinancialMentor.com recommends before I can retire?” because of the many variables and assumptions. My advice is to make the following steps: saving for retirement a priority during your working years, monitor your actual spending • Estimate how much you will spend annually in retire- and savings during retirement, and make adjustments each year to ensure that you have ment (retirement expenses). Keep in mind that even though By enough money to last through your retirement. some of your expenses will decrease once you retire (com- Elizabeth Look out for next month’s article for ways to cut spending to help you save enough muting and work attire), other expenses will increase (trav- Carroll money to retire. el and potentially significant medical expenses). Common guidelines predict that you will spend 70%-80% of your Beth Carroll is a CPA and a Professional Daily Money Manager. Her company, Cor- pre-retirement income per year during retirement to maintain your standard of living; nerstone Money Management, LLC, helps seniors in their homes with billpay, financial because of the many variables noted above, I recommend using a percentage of 100% of organization and cash flow management. You may reach her at beth@cornerstonemon- your pre-retirement income to estimate your retirement expenses. eymgmt.com or 401-323-4895. • Estimate your retirement income including social security, pensions and annuities (retirement income). The Social Security website (ssa.gov) provides a good estimate of your benefits. • Subtract your retirement income from your retirement expenses. The difference is the amount that needs to be covered by your retirement and non-retirement investments (savings). • Estimate the growth rate of your savings and the rate of inflation. Please note that this estimate assumes a 30-year retirement and does not include the effect of income taxes. An example will hopefully make the preceding steps easier to understand. Assume your pre-retirement income is $75,000/year, your social security benefits and pension will be $25,000/year, you will earn a 7% investment return, and the rate of inflation will be 3%.: Income ($75,000) less Social Security and pensions ($25,000) equals $50,000, the amount that needs to be covered by your savings. $50,000 divided by 4% (investment return 7%-inflation 3%) equals $1,250,000, the size of your savings needed before you retire to cover your retirement expenses. There are other ways to estimate how much you need to save before you retire. The Rule of 25 estimates how much money you need in your retirement savings by multiply- ing your annual retirement expenses by 25. The 4% Rule estimates how much you should Photo courtesy patriotfinances.com withdraw from your retirement savings: withdraw 4% from your retirement savings in the Do you know that Orchard View Manor Accepts VA Patients? Do you know of a veteran in need of Short- Term Rehabilitation, Hospice Care, Respite Care or Long-Term Care? Orchard View Manor is the only facility in East Providence that has a con- tract with the Veterans Administration. Depend- ing upon the percentage of service connectivi- ty, veterans may be eligible for care at Orchard View Manor. To determine eligibility veterans should contact their assigned social worker at the VA. If you are interested in a private tour of our facility, please contact the Admissions De- partment at 401.438.2250. We offer tours seven days a week. Orchard View Manor is located at 135 Tripps Lane, East Providence, Rhode Island and is Managed by Athena Health Care Systems. For more information please visit our website at ath- enanh.com/orchardviewmanor. 24 July 2019 • Senior Digest