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My Journals (28)

 

The Most Dangerous Piece of Mail You’ll Get
All Year is For a Free Lunch
New AARP Survey Shows High Level of Concern About Impact of
Financial Scams Among 55+ Population
 
Washington, DC More than three-quarters of older Americans are concerned that financial scams will damage their retirement nest eggs or those of someone they know, AARP and North American Securities Administrators Association (NASAA) said today.
 
In a survey released today by AARP, entitled Protecting Older Investors: 2009 Free Lunch Seminar Report, 78 percent of Americans age 55 and over surveyed indicated that they are very or somewhat concerned about financial scams affecting them or someone they know.  A common setting for fraudsters to engage with their victims is by offering a free lunch or dinner, by which an older individual near retirement age is solicited to attend and learn more about investing in retirement.
 
For attendees of these free seminars, the potential cost can be quite high. Of those who attended a seminar, more than three out of four (78 percent) expected that the free financial seminar would center on opportunities to learn more about financial issues. However, once at the seminar, half of seminar attendees said the presenter asked them for personal information, such as their contact information or information about their finances and 46 percent reported that presenter attempted to make a follow-up appointment at their home.  Nearly 40 percent reported that the presenter tried to sell them financial products either during or after the seminar.
 
“This survey illustrates the lesson that nothing is truly free when it comes to your financial security. Often times, those who attend free lunch seminars have no idea that they are potential targets of financial fraud,” said Jean Setzfand, Director of Financial Security at AARP. “Many people go to these seminars hoping to learn about ways to create a more secure retirement, but instead are pitched financial products that are fraudulent or unsuitable for them.”
 
Nearly 6 million Americans age 55 and older have attended a free lunch or dinner in the past three years, with mail as the most common method of solicitation (63 percent). Over a quarter of invitees (27 percent) have received ten or more invitations.
 
In response to such solicitations, AARP launched the Free Lunch Monitor program in collaboration with North American Securities Administrators Association (NASAA) in October 2008. The purpose of the national program is to raise public awareness about the possible dangers of attending free lunch seminars, empower investors of all ages with the tools to decipher fraudulent educational presentations, and share a tool to report suspicious activity—the Free Lunch Monitor Checklist.
 
Setzfand added, “AARP’s creation of the Free Lunch Monitor program with NASAA reflects the commitment we have made to provide our members, their families, and older Americans the best information about how to protect their savings. AARP encourages more people to get involved with our programs to help root out fraud that threatens your long-term financial security.” 
 
To learn more about the Free Lunch Monitor program or to become a monitor, visit www.aarp.org/nofreelunch.
 
For more information about the survey and volunteer findings, please visit www.aarp.org/freelunchreport.
 
 
Added: November 12, 2009
Views: 18 | Comments: 1 | Bookmarks: 0

The prevalence of diabetes more than doubled over two decades from 1986 to 2006, making diabetes the fifth deadliest disease in the nation. Families with a member who has diabetes not only shoulder the emotional burden of caring for a sick loved one, but also the economic burden of the growing cost for treatment.

INTRODUCTION

Skyrocketing health care costs leave an increasing number of Americans uninsured or with less meaningful coverage than they need and deserve—especially the 24 million Americans with diabetes.1 The results of a recent survey found that 72 million, or 41 percent, of nonelderly adults have accumulated medical debt or experienced difficulty paying medical bills in the past year – 61 percent of whom had insurance.2 Any medical event, like the diagnosis of diabetes, could place a person at risk for potentially devastating financial costs, even if they have health insurance.

The prevalence of diabetes more than doubled over two decades from 1986 to 2006,3 making diabetes the fifth deadliest disease in the nation.4 And its prevalence is expected to continue to grow in the coming years, as risk factors such as obesity, high cholesterol, and high blood pressure continue to rise.

Families with a member who has diabetes not only shoulder the emotional burden of caring for a sick loved one, but also the economic burden of the growing cost for treatment. Diabetes cost the United States $174 billion in 2007, an increase of $8 billion per year over the last 5 years. The total cost is a combination of $116 billion in direct costs of treatment and $58.3 billion in indirect costs of lost productivity.5

Americans diagnosed with diabetes, whether insured or not, face significant and sometimes devastating hurdles to receiving timely, affordable treatment in our health care system.  Health insurance reform seeks to eliminate these hurdles to ensure that people with diabetes, along with all other Americans, get the quality, affordable health care they deserve.

Read the full report here:  http://www.healthreform.gov/reports/diabetes/index.html

Added: November 12, 2009
Views: 13 | Comments: 1 | Bookmarks: 0

 

 
 
Experts say the worst is over. We’re no longer in economic freefall; instead, the national economy has begun a slow recovery. While that’s good news, there’s no telling when American households will actually feel the impact of recovery in their own communities. Therefore, it’s no surprise that people of every age and background stand in need of help.
 
Employers continue to cut staff and budgets to stay afloat, so the threat of layoffs and the challenges associated with finding new jobs remain very real. Job loss has slowed, but substantial employment gains are not expected any time soon. And the unemployment rate for African Americans still outpaces the rate for all other groups at 15.4 percent, as of September, compared to 9.8 percent for all workers.
 
Times are tough in the black community. A recent AARP survey shows that over the past 12 months, African Americans experienced a significant loss of health care insurance (16%), and had trouble paying rent or mortgage (26%) and utility bills (38%), as well as paying for food, at a rate more than twice that of whites. This Great Recession is causing hardships on a scale that only our elders have witnessed before.
 
As people struggle through these hardships, many are looking for help, but resources are often scattered, hard to find, and sometimes difficult to navigate. So AARP created www.AARP.org/realrelief, a website to connect people to programs and services. This one-stop online portal offers tools and programs to help individuals and families manage their pressing financial obligations. The information and materials on the site are updated regularly, including interactive opportunities, like the webinar offered earlier this month by the Partnership for Public Service on the ins and outs of applying for a federal job.
 
Through Real Relief, you’ll find help preparing for job searches, developing skills to tackle career changes, examining education and training opportunities, and even help using assessment tools to identify different areas of work that might be a good fit. There’s also information on companies known to value older workers.
 
Additionally, there are a variety of suggestions for cutting back on household expenses and tips for protecting yourself and your money from fraud and scams. Remember, even during the worst crises, unscrupulous individuals are working to dupe you out of your money, your home, your identity or whatever they can get away with – so stay alert.
 
For men and women close to retiring, the site provides tools to help figure out retirement options, such as how to position yourself for retirement or whether retirement is really the best choice in the midst of a recession. And anyone looking for help with everyday expenses such as food, utilities, and clothing, will find resources to help them determine their eligibility for a range of public benefits.
 
Times are tough. Quite suddenly, we’ve found ourselves facing challenges most Americans today have never experienced. Getting through them calls for using every resource available, like www.AARP.org/realrelief, to help safeguard the future for ourselves and our loved ones.
Added: October 26, 2009
Views: 28 | Comments: 0 | Bookmarks: 0

 

 

With the arrival of the novel H1N1 (“swine flu”), many people are understandably confused about how to protect themselves against the flu this year. AARP is working with the National Foundation for Infectious Diseases (NFID) to encourage older Americans to protect themselves and those in their care by getting vaccinated. 

 

 
Experts say that, this year, a seasonal flu vaccination for people 50 and over is as important as ever. Even before novel H1N1 became a threat, flu claimed an average of 36,000 lives and hospitalized more than 200,000 Americans every year. Health authorities have long recommended that people 50 and over get a seasonal flu vaccine each year.
 
Experts also recommend people 65 and older get a pneumococcal vaccination, which they can get at the same time as their seasonal flu vaccination. Pneumococcus is a bacteria that can cause a range of conditions, including pneumococcal pneumonia, blood infection, and meningitis. Young children and people over 65 are the hardest hit.
 
Both pneumococcal and seasonal flu vaccines are available now. Have you gotten yours?
 
According to the Centers for Disease Control and Prevention (CDC), older Americans are less likely to get sick from novel H1N1, perhaps due to exposure to a similar virus many years ago. However, they are more likely to suffer serious complications – and even death – from seasonal flu. Vaccination is the first line of defense, but good hygiene habits, like frequent hand washing and covering your mouth when you cough are also important. If you get sick, antiviral medications are also available to help treat the flu.
 
“We must not get distracted by H1N1 – we must remember our annual seasonal flu vaccination,” said Dr. Susan J. Rehm, Medical Director of NFID. “Pneumococcal vaccination is also important, and now is a great time to get both vaccines.”
 
Last year in Rhode Island, 80%of adults 65+ got vaccinated for influenza.
 
 
70.5%  ofadults 65+ have received the pneumococcal vaccine.
 
“Vaccination will help more Americans stay healthy this fall and winter, so that we can keep moving – at home and at work,” said Kathleen S. Connell, AARP-RI State President
 
 
Influenza and pneumococcal vaccines are free for anyone in Medicare and are available now at doctor’s offices, pharmacies, and health departments in our area. For more information, speak with your healthcare provider or visit www.aarp.org/flu or www.nfid.org. For up-to-date information on flu activity in Rhode Island , visit: http://www.cdc.gov/flu/weekly/usmap.htm .
 


Added: October 26, 2009
Views: 16 | Comments: 0 | Bookmarks: 0

 

Do You Need Help With Your Prescriptions?

 

  • See if you qualify for Medicare Rx Extra Help—you can pay even less for your drugs:
  • Use meds wisely— download or order a personal medication record to keep track of your medicines, including over-the-counter medication and dietary supplements:

www.aarp.org/ medicationrecord

Added: October 14, 2009
Views: 40 | Comments: 0 | Bookmarks: 0

 

 

 

The Rhode Island Department of Health and the Rhode Island Emergency Management Agency (RIEMA) have developed this registry as a service to Rhode Island adults and children with chronic conditions, disabilities and special healthcare needs, such as people who:

Use life support systems such as oxygen, respirator, ventilator, dialysis, pacemaker or are insulin dependent;

• Have mobility disabilities and use a wheelchair, scooter, walker,cane or other mobility devices;

• Are visually impaired, blind, hard of hearing or Deaf;

• Have speech, cognitive, developmental or mentalhealth disabilities; or

• Use assistive animals.

 

Help us help you by completing a registry form for yourself

or any member of your household with special needs.

The information you provide will be shared with state

and local emergency responders, such as your town/city

emergency management, police, ambulance and fire

departments. These responders will be more prepared

to meet your needs during an emergency.

 

Easy Registration Process

Complete the Special Needs Emergency Registry Form

and submit the information online or by mail.

Online

You may register online by completing the registry form found at

www.health.ri.gov/emregistry

Call RIEMA at 401-946-9996 / RI Relay 711 (TTY) to request the registry form. You can also download the form at the

HEALTH website www.health.ri.gov

When the form is completed, mail it to:

RIEMA, Dat45 New London Avanston, RI 02920

Updating Your Information

HEALTH will generate letters twice a year to request updated information from all enrollees. Enrollees can also update information anytime at www.health.ri.gov/registry

The registry form is available in English, Spanish, Portuguese, French, Vietnamese, Chinese, Hmong, Cambodian and Lao.  

Alternative Formats: To obtain copies of the Special Needs Emergency Registry Form in alternative formats contact 401.222.4616 (v) RI Relay 711 (TTY).

 You can find more information on our website:  

http://www.health.state.ri.us/family/specialneeds/emergency/registry.php

 

 

 

 

 

Added: August 18, 2009
Views: 106 | Comments: 0 | Bookmarks: 0

Message from A. Barry Rand, AARP CEO

 

For over fifty years, AARP's mission has been educating and engaging in the issues most important to you, our members. With over 40 million members we understand the importance of debate. Even when some members don't agree with our advocacy positions, it is critical that we make sure those differences of opinion are based on facts, not myths designed to derail a long overdue effort to fix what's wrong in our health care system.


Doing nothing is not an option. But any reform must not get between a patient and their doctor. It must not cut Medicare benefits. It must not allow insurers to continue to line their pockets by covering only the healthiest and the youngest.


AARP is committed to making sure health care reform will do the following for our members:


Lower Drug Costs and Strengthen Medicare: Close the Medicare Part D "doughnut hole," ensure patients' access to their doctors, and crack down on fraud and wasteful spending;


Protect Your Health Care Choices: Make sure you can choose your doctor, your health insurance plan and where to receive care;


End Discrimination by Insurance Companies: Prevent insurance companies from denying you coverage because of a pre-existing condition or using age to price Americans age 50-64 out of affordable, quality health insurance; and


Guarantee Stable, Affordable Coverage: Ensure you have the security of knowing that if you lose or change jobs, you will be able to get affordable, quality health insurance.


Since July 1st, when we started seeing a rise in phone calls and emails here at AARP as a result of the health care debate, we have lost approximately 50,000-60,000 members. While we are encouraged that almost 1.8 million people have either joined AARP or renewed their memberships over that same time span, we take the loss of any member seriously. ?We don't want to see you, our members, leave for any reason, and understand that even when we all have the facts reasonable people may agree to disagree on the proposals being put forth by Congress.


AARP's strength has always been our members, and we're working hard to represent them as best we can. Each of our policy positions have been carefully considered and are set by our all-member volunteer board of directors based on input from our members.


We're also working to dispel several of the myths and lies that have warped the health care reform debate, targeting older Americans in particular with horror stories about euthanasia and rationed care. We believe that, at a time when a lot of the information about health reform surfacing on the Internet, cable news and talk radio simply isn't true, it's important that each of our members are armed with all the facts about this very important debate.


As we continue to fight on your behalf and work to fix our health care system, we are bound to have different opinions among our members. We respect each opinion and choice you make, and will do our best to represent the individuals who have, with their membership, shown that the collective voice of 40 million members working together have the power to make our health care system better - for themselves and for generations to come.


Sincerely,
A. Barry Rand

 

 

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Added: August 18, 2009
Views: 76 | Comments: 0 | Bookmarks: 0

President Obama again took his appeal for health care reform directly to the American people Tuesday, this time at a telephone town hall meeting at AARP’s Washington headquarters where he answered questions from older men and women concerned about how proposed changes to the current health system would affect them.

“Nobody’s trying to change what does work in the system,” Obama told the estimated 180,000 listeners. “We are trying to change what doesn’t work in the system.”

In the face of growing public skepticism and congressional delay, the president used his 75-minute town hall to address the concerns of callers from across the country and to answer recurring questions—including the bizarre charge that every five years government bureaucrats would visit all older Americans to counsel them on ending their lives early. Will care be rationed? Is America heading toward socialized medicine and a system like Canada’s? Will Medicare benefits be cut?

“Nobody is talking about cutting Medicare benefits. I just want to make that absolutely clear,” he said emphatically.

Seated on a stool in front of the small studio audience, Obama appeared relaxed and confident, sometimes using kitchen table analogies to explain knotty health care proposals and to untangle some of the myths now widely circulating on the Internet.

Introducing Obama, AARP CEO A. Barry Rand said: “There’s a lot of misinformation about health care reform—even on what AARP stands for, and what AARP supports. This town hall is part of our ongoing effort to debunk myths and provide accurate information.”

He added: “I want to make it clear that AARP has not endorsed any particular bill or any of the bills being debated in Congress today. We continue to work with members of Congress on both sides of the aisle and with the administration to achieve what is right for health care reform.”

AARP president Jennie Chin Hansen also cited confusion expressed in questions that have come from thousands of members who have participated in previous AARP town halls. “Like, will the government tell my doctor how to practice medicine?”

Obama said he understands that overhauling the health care system is not easy. “I know there are folks who will oppose any kind of reform because they profit from the way the system is right now. They’ll run all sorts of ads that will make people scared.”

But, he added, this has all happened before. “Back when President Kennedy and then President Johnson were trying to pass Medicare, opponents claimed it was socialized medicine,” he said. “When you look at the Medicare debate, it is almost exactly the same as the debate we’re having right now. Everybody who was in favor of the status quo was trying to scare the American people saying that government is going to take over your health care, you won’t be able to choose your own doctor, they’re going to ration care.” Obama added: “You know what? Medicare has been extraordinarily popular. It has worked. It has made people a lot healthier, given them security. And we can do the same this time.”

Added: August 18, 2009
Views: 78 | Comments: 1 | Bookmarks: 0

 

Throughout the debate on how to fix what’s broken about our health care system, AARP pledges to help you cut through the noise and find the facts about what health care reform means for you and your family.  When we see special interests using scare tactics, we’ll make sure you’re given the facts so you can make informed decisions about health care reform. Check out AARP’s blog this week, which is highlighting some of the most common myths being spread about health care reform and the facts that prove them wrong.
 
Added: August 3, 2009
Views: 122 | Comments: 1 | Bookmarks: 0

Share the Road with Bicyclists 

Under RI law, a bicycle is considered a vehicle with equal rights and responsibilities as cars and other vehicles on the road. When bicyclists or automobile drivers do not understand or obey the law, confusion or accidents
can result.

Potholes, puddles, poor road conditions,

Dogs and other animals, railroad tracks,
manhole covers or grates, broken glass
and other debris: all these obstacles
can seriously hinder bicyclists’ safety
on the road.

The Greenways Alliance of Rhode Island, Narragansett Bay Wheelmen,
Providence Bicycle Coalition, RI Chapter  of the Sierra Club, and U.S. Open Cycling Foundation created this brochure to explain what motorists need to know so that everyone can use our roads safely.

Greenways Alliance of Rhode Island

www.rigreenways.org
www.bikeprovidence.org www.nbwclub.org
This brochure was published with funds
from the NBW/GARI grant program.
http://rhodeisland.sierraclub.org/index.html
www.usopencycling.com
Some graphics courtesy of Bicycle
Coalition of Maine www.bikemaine.org

Rhode Island Cyclists and Motorists Let’s Share the Road

Share the Road with Bicyclists

If automobile drivers and bicyclists follow common safety practices and respect the rights of others we can all “Sharethe Road”
 

1• When passing cyclists leave adequate space and be aware of road surface conditions like potholes, puddlesor debris which may force cyclists to move further left 3' than usual.

• Don’t blast your horn as you approach a cyclist as the loud noise can startle them and cause them to swerve.
 

• Avoid talking on a cell phone, text messaging, or being otherwise distracted when approaching or passing a bicyclist.
 

• Avoid driving or swerving into bicycle lanes.
 

2• When approaching or passing a bicycle be prepared to stop suddenly if the person enters the driver’s lane. 
• In bad weather give bicyclists extra trailing and passing room like you would give other motorists.
 

3• When a road is too narrow for cars and bicycles to travel safely side by side, be prepared to slow down or stop when the bicyclist ahead of you “takes the travel lane,”, i.e., proceeds in the center of the road.


4• Do not pass bicyclists if oncoming traffic is near. Wait until there are nooncoming automobiles before you pass.
• After you have passed a bicyclist, do not slow down or stop quickly directly in front of them.

5• When turning left at an intersection yield toncoming bicyclists just as you would to an oncoming motorist.

6• Before turning right at an intersection or drivewaycheck for bicyclists on your right or behind you whoare continuing straight ahead.


7• Look behind you for a cyclist approaching your parked car before you open the door into a traffic lane.

Watch for Children on Bicycles
Children cannot see things out of the corner of their eyes as well as adults, andcannot judge the speed and distance of oncoming vehicles. They lack a sense of danger and believe adults will look out for them.
 

8• Always reduce speed and use extra caution when children are in the vicinity, particularly in school zones.
• Check for bicyclists in the street or on the sidewalks at intersections. Rhode Island law
“Every person operating a bicycle upon a roadway shall ride as near to the right side of the roadway as practicable, exercising due care when passing a standing vehicle or one proceeding in the same direction except where official traffic control devices (signs or pavement markings)

To learn more about bicycling resources in Rhode Island, visit The Rhode Island
Department of Transportation web site: http://www.dot.ri.gov/bikeri/
specifically direct bicyclists to do otherwise.”


RIGL § 31-19-6 Bicycles to right of road


 

 

Added: July 20, 2009
Views: 86 | Comments: 0 | Bookmarks: 0