FPA Feb 2023

WWII veteran celebrates 101 years of memories page 10

Providing help and hope

Waltham organization supports struggling Ukrainians as war with Russia drags on

By Sharon Longo ContriButing Writer

WALTHAM - Almost 5,000 miles away from Massachusetts, people in Ukraine are sheltering in basements, living amongst the ruins of their homes, while fighting against the Russian invasion and protecting their beloved country. In Waltham, an organization called Action for Post-Soviet Jewry (Action-PSJ) is taking action to help.

A long history of advocacy

Action for Post-Soviet Jewry began informally in 1974, becoming a 501(c)(3) non-profit in 1975. The purpose was to help Jewish people who were stuck in the Soviet Union so they could emigrate to the U.S. and Israel. When the Soviet Union fell in 1990, the organization decided to work to help support the smaller Jewish communities outside of the cities in Ukraine, Eastern Europe, and other former Soviet states.

By providing food, clothing, medicine, and other forms of help to these

Above: Food, toiletries, and hand warmers to ward off winter’s chill are among the items Action-PSJ are sending to Ukraine.

Below: Debbie Kardon, executive director of Action-PSJ

AARP Massachusetts continues to fight for you

By Mike FeSta, State DireCtor aarP MaSSaChuSettS

AARPMassachusetts is constantly working to ensure your voice is heard in the halls of the Massachusetts State House. Most recently, we successfully advocated for increases in home and community-based care, nursing home reforms and expansion of voting options. This year, we will be advocating on issues including supporting family caregivers, making further improvements to nursing homes, and increasing the availability of retirement savings and property tax deferrals.

setts is supporting changes to the current laws on senior property tax deferrals—removing the 10-year Massachusetts residency requirement and eliminating the stipulation that owners must live in the home for the five years preceding the deferral.

Also, AARP Massachusetts will be pushing for a bill that will increase the opportunity for workers to save for retirement by expanding the state’s CORE retirement plan to all employees of nonprofit and for-profit companies that do not currently provide retirement savings plans.

Mike Festa

Recalling that more than 5,000 residents of Massachusetts nursing homes have died of COVID-19 since the start of the pandemic, we must never forget the lessons learned from these tragedies. That is why improving the care delivered in nursing homes and other long term care facilities will be among the top priorities for AARP Massachusetts on Beacon Hill this year. These changes—including better training for nursing home employees and enhancing the state’s preparedness and response to infectious disease outbreaks—are all to ensure nursing homes and all long-term care are safe, affordable, and accessible to all.

Additionally, AARP Massachu-

Finally, we are urging the Commonwealth to increase the funding and the availability of programs that support the over 840,000 caregivers and home care providers that allow for residents to age with dignity in their own homes. Caregivers do so much for their loved ones and are an essential part of the Massachusetts healthcare system. Family caregivers spend about $7,000 each year on out-of-pocket costs. To help, AARP Massachusetts is backing the Family Caregiving Tax Credit, a bill that provides a state tax credit of up to $1,500 to eligible caregivers to assist in covering expenses like transportation and home health care aides.

If you are interested in supporting our efforts, please consider becoming an advocacy volunteer, attending our Advocacy Day in April, or by signing-up for Advocacy text alerts: text JOIN to 2277. For more information, go to aarp.org/AdvocacyMA.

Your caregiving journey can be challenging in all kinds of ways.

You never know where it might lead you next.

At AARP Family Caregiving, we're here to help you get answers, connect with other family caregivers and find resources online and close to home. So you can take care of what matters most

To learn more, visit aarp.org/caregiving.

GET THE FAMILY CAREGIVING SUPPORT YOU NEED, WHEN YOU NEED IT. .

Ice castles are an enchanting winter destination for the entire family

By SanDi Barrett ContriButing Writer

REGION - Tucked away in North Woodstock, N.H., is a frozen fairytale castle perfect for a family gathering. From toddlers to grandparents, everyone will love the magical ice sculptures that come together to form an ever-changing, crystal-like design. The castle is built and designed by ingenious ice artisans who then give up control to the temperature, wind, and water allowing them to hone the icy abode.

Childhood inspiration

Backyard ice and snow forts were the inspiration for Brent Christensen’s epic Ice Castles. As you wander through and around the castles, you encounter an ever-changing view of the sparkling walls of ice shimmering with colored backlighting.

The ice castles are open-air structures that envelop you in frozen beauty. It’s difficult to remember you are outside wandering around enormous piles of ice and snow. Proper outerwear is necessary.

The New Hampshire night-time temperatures can drop significantly below freezing, and it can become ex-

tremely cold once the sun goes down. When visiting the Ice Castles plan on dressing warmly. From the young to the young at heart, snow boots, snow pants, a warm jacket, hat, and gloves are a must. You will be wandering around outside on ice and snow―cozy wool socks and warm boots will make your visit much more pleasant.

Best time to go

The Ice Castles are beautiful to visit before sunset. The White Mountains’ winter sun sparkles off the glittering, ice-coated surface. After dark, the Ice Castles literally glow. They are lit internally with LED lights, making the walls a canvas for the colorful rainbow of ice.

In addition to the stunning castle of ice, you can enjoy a winter hike―a quarter-mile trail through the woods― where you will find beautifully lit winter wonderland tableaus. Trees with twinkling lights and curtains of hanging snowflakes light the hard-packed, snow-covered path. Be sure to stop by the icicle growing garden where icicles used to craft the castles hang, dripping slightly, from metal frames.

The little ones will love crawling through the ice tubes and slipping Ice castles | 7

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They’re medical devices, so they should be fitted by a professional to ensure comfort and safety.

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Trees with twinkling lights and curtains of hanging snowflakes light the hard-packed, snow-covered path in the woods at New Hampshire Ice Castles.

PHOTO/SANDI BARRETT

skiing

By Brett Peruzzi Managing eDitor

REGION - Some people dread the cold and snow of winter, but for avid cross-country skiers it’s a season they look forward to with anticipation. It’s great aerobic exercise, gentler on the joints than many other activities, and less hazardous than downhill skiing. And it’s relatively low cost. There’s no need to travel long distances and pay for pricy lift tickets―you can do it anywhere there’s snow.

Getting started

As with any new exercise program, it’s best to check with your doctor first if you have any serious health conditions or symptoms that might indicate that you have one.

You can buy a complete cross-country ski package, including skis, poles, and boots for about $300. Most cross-country ski centers with their own trail network rent skis if you want to try before you buy. Remember to dress in layers that you can peel off easily as you warm up and pack your sunglasses as the sun’s glare off the snow can be very bright. Bring water

and snacks, and a cell phone is always a good idea if you get lost or otherwise need help.

“I would recommend that new skiers start at a cross-country ski center with groomed trails,” said John Kilborn of Winchester, who has been cross-country skiing for over 40 years.

“Take a lesson or two to learn the ba-

sics. I started in high school, and there was something about it that grabbed me,” he explained. “I was a downhill skier, but cross-country skiing gave me a different sense of freedom, of being in nature.”

You might also learn the basics by tagging along with a friend who’s an experienced skier. And yes, there’s always

YouTube how-to videos.

Carla Schwartz has also been cross-country skiing for at least four decades. “I live in Carlisle, which is ideal for cross-country skiing, and prior to that I lived in Framingham, which is also pretty nice in terms of having accessible trails,” she noted. “I love being able to slap on my skis and boots and go out and ski, be outdoors, get warm, and get great exercise.”

Where to go

Every cross-country skier has their favorite places to ski, whether it’s right out their back door or all the way up north in New Hampshire, Maine, or Vermont. “The Middlesex Fells is one of my favorite destinations, because I can walk to the reservation from my house,” said Kilborn. “I also like to ski at Ward Reservation in Andover. You can see Boston from the top of Holt Hill. There’s also some nice ponds to ski by as well.”

“Right now one of my favorite spots to ski is Malcolm Preserve,” said Schwartz. “It’s a Trustees of Reservations property which connects with Estabrook Woods. But if I need to get some exercise easily and I don’t trust the snow

Cross-country | 13

“I love being able to slap on my skis and boots and go out and ski, be outdoors, get warm, and get great exercise,” says Carlisle resident Carla Schwartz.

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Jewish individuals, it works to galvanize and mobilize people here so they may help people there. Today it mostly helps in Ukraine.

When Action for Post-Soviet Jewry’s executive director retired after 40 years, it had to consider whether to close, but after receiving a small bequest, it decided to hire a replacement.

COVID was first big challenge

Debbie Kardon is the executive director of Action-PSJ, establishing new programs, while also raising funds for their implementation. She graduated from Syracuse University and Hebrew Union College with degrees in social work and Jewish education.

Kardon worked part-time while she was in college, teaching at a local congregation and then started her career helping teens who were at-risk and unhoused. She also worked in the Jewish community, eventually taking on leadership roles in Jewish non-profits.

When Kardon was hired for the position of executive director for Action-PSJ, she hoped to transform the legacy organization while modernizing it and envisioning its potential.

Only two weeks into her new leadership role, Kardon had to deal with the COVID pandemic as it changed

that vision. Working to continually provide humanitarian assistance to meet the needs of the people in the former Soviet states, mostly Ukraine, it became necessary to pivot while rearranging the logistics of how to accomplish this goal. The difficulty became figuring out how to send aid to

Ukraine: how to travel there and then navigate once they arrived.

New types of necessities such as medical supplies and PPE needed to be sent, and as the world began to “reopen,” it was necessary to plan for what life would look like as the world moved forward. “Work that was always so important and stable went into crisis mode for the last few years,” said Kardon. Then the war exploded in Ukraine.

Changing needs

Like COVID, no one could anticipate how long the war in Ukraine would last. As the war continues and changes, so do the needs of the people. “The needs are large and lifesaving and small and lifesaving,” Kardon explained. “We were asked to send EMT medical kits for the military and civilians. With bombs going off in the streets, a tourniquet can save a life while waiting for an ambulance to arrive.”

She continued, “We were also

Action-PSJ | 7

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The needs are large and lifesaving and small and lifesaving. We were asked to send EMT medical kits for the military and civilians. With bombs going off in the streets, a tourniquet can save a life while waiting for an ambulance to arrive.

— Debbie Kardon

Waltham organization supports struggling Ukrainians as war with Russia drags on

Action-PSJ | from page 6

asked to send reflective gear. Most of Ukraine is in the dark without electricity for long periods of time. There are no streetlights or lights from buildings, and the people tend to dress in dark clothes,” Kardon noted. “The reflective gear could help them to be seen at night if they were to go out to the store or to visit an elderly person.”

Kardon praised the colleagues who work to support Ukraine in the area; one a project coordinator, as well as others throughout the country in various locations, some who have been displaced. “These are some of the most resilient and optimistic people I’ve ever met,” she said emphatically. “Someone told me I have a front-row seat to history unfolding. If I have a front-row seat, my colleagues are on stage. They are the foot soldiers helping people to survive as best they can. Work has become more intense but more meaningful.”

As Kardon described Action-PSJ and the work it does, she stated, “It’s very much a people-to-people organization. We know where our aid goes and who it goes to. We also have lots of partner organizations in Ukraine,” she explained. “The ripple effect is great. Ours is special because as many organizations meet the needs and provide large structural services such as food, we can provide help quickly and

right away. That’s not to say that one organization is better than the other. We all weave the help together.”

How to help

When asked what people can do to help, Kardon’s answer was simple. “Send money. We use that to provide stipends to pay for food and meds. We also buy what’s needed in the moment. Now it is being used to buy lamps and heaters in Ukraine,” she noted. “We’ve also been collecting and sending hand and feet warmers, glow-in-the-dark crafts for kids so they have something to do in the dark, flashlights and camp lights, incontinence supplies like Depends, protein bars, and over-the-counter medications like Motrin and vitamins.” She also mentioned that the lists of what’s needed are updated on their website monthly. Kardon has one plea. “Please don’t forget. From the crisis at the beginning, through the long unending war, people don’t always keep focused on this,” she observed. “We all have to balance things in our lives, but we also need to keep a little space in our lives for others because the humanitarian crisis that might come out of that area is huge, and we have to keep shining a light there.”

For more information or to make a donation, go to https://www.actionpsj.org.

Ice castles are an enchanting winter destination

Ice castles | from page 3 down the ice slide. Grab a mat and release your inner child as you enjoy the ultimate slip and slide through the ice tunnel. At the finish, the gridded rubber flooring will put the brakes on quickly, and you may hear a few chuckles from onlookers in-the-know as you tumble off your mat.

You can also enjoy a horse-drawn sleigh ride through a New Hampshire winter wonderland of white. Snuggle up close to someone special and enjoy the clip-clopping of hooves tromping across the sleigh path as the bells jingle a merry tune.

Getting the most out of your visit

This family-fun adventure is perfect for date night, a multi-generational outing, or exploring with your friends. Watching children light up as they explore the unique ice castles is a heart-warming experience. Their natural wonderment is a joy to behold. A small sled is the best transportation option for little ones. It drags through the ice and snow easier than a stroller and you know those little legs will get super tired running around in all the required winter outerwear.

When you’re ready for some hot chocolate, snag a spot at the fire pit or one of the ice tables where you can warm up while enjoying the lights and a glowing winter wonderland.

In this picture-perfect setting, you will want to snap lots of frozen photos. A drop in temperature is good for the ice, but not for operating your camera. A pair of gloves with touch screen tips makes for a warmer photography experience.

Shake off a little bit of cabin fever and enjoy the drive north to explore this awe inspiring, only-in-winter treat. You can pre-purchase your tickets at https://icecastles.com/new-hampshire/.

By nanCe eBert ContriButing Writer

REGION - Maximizing home fire safety is crucial for anyone but can be extremely challenging for older adults. Those living independently at home or in an assisted residential setting should be mindful of fire safety tips and how they can be implemented.

Being prepared ahead of time with an exit strategy can make a world of difference and in some extreme instances, the difference between life and death. “More people are injured or die in fires at home than anywhere else,” said Jake Wark, public information officer for the Mass. Department of Fire Services. “Older adults face a disproportionate risk, especially when they’re living in a family home with smoke alarms that haven’t been maintained in many years.”

Ensure detectors work and are up-to-date

First, it is important to have functioning smoke detectors installed on every level of your home and in bedrooms. “Modern alarms have a manufacturing date printed on the back,”

Wark explained. “Smoke alarms should be replaced after ten years and carbon monoxide alarms should be replaced after five to seven years, depending on the model. If the alarm is still in its useful lifespan and takes alkaline batteries, change the batteries twice a year when you change your clocks.”

“If it’s time for a new alarm, choose one with a sealed, long-life battery and a hush feature,” Wark added. “You

won’t have to change the batteries for ten years and you can silence the alarm if you burn toast. Whatever type of alarms you have, test them every month to be sure you’re protected.”

The task of replacing these important, life-saving measures can be daunting for an older person. Many fire departments, including the town of Hudson, can help through their Senior SAFE programs.

It is also a good idea to have a fire extinguisher as well as an escape ladder readily accessible if a second story of the home exists. Practicing an escape route ahead of time when things are calm and you can think clearly will help give a sense of confidence to safely escape in the event that a real fire is present.

Kitchen safety

Since many house fires start in the kitchen, being mindful not to leave food cooking on the stove when you are going to another part of the home is important. The kitchen is the perfect place to keep a fire extinguisher on hand and make sure to read the instructions after purchasing it and not in the heat of the moment, (literally) once a real fire is present.

Any older appliances with fraying cords or damaged plugs should be replaced. This will help to avoid shocks or any sparks that can occur. Many people love the convenience of using a slow cooker or crockpot, however, it’s recommended that you be present in the home while this appliance is plugged in. In the event of a mishap, it can be addressed quickly.

Josephine L. Veglia, Esq.

It’s important to have functioning smoke detectors installed on every level of your home and in bedrooms.

During the winter months, the risk of fire tends to escalate. This might be due to the fact that people are using decorative candles, smoking indoors, adding extra space heaters for additional warmth, and using fireplaces. Flameless candles are a great option for those looking to bring a warm glow to a room without the risk of fire.

Considerations for older people

The Department of Fire Services offers materials to seniors about fire safety tips at home and how to plan for emergencies through its website.

“The fire and injury risks we face change as we age and it is important to adapt our homes so we can stay independent and safe,” Wark noted. “A fall, a burn or a fire can be devastating. As our skin ages, it thins, and burns can be more damaging more quickly.”

“People facing mobility issues may need to revise their home escape plan to accommodate that, by perhaps moving a bedroom to the first floor,” he added. “People with hearing issues may want to get a bed shaker connect-

ed to their smoke alarm.”

If there is someone in the dwelling who needs immediate assistance, it is a good idea to place a large, visible sticker in that window. This helps to alert firefighters in case of an emergency. This can include rooms that children or older adults occupy or someone who might be physically challenged.

The National Fire Protection Association has a wealth of information and online resources on fire, electrical and related hazards on its website. It also has short video clips that are very informative.

“We go on many calls for fire alarms in a senior-specific building and the residents don’t know what it is and they stay inside the building rather than evacuate,” said Brian Sleeper, Hudson’s Deputy Fire Chief and Assistant Emergency Management Director. “If they can at least get to a safer location, that can make a huge difference with the outcome. It’s when people become complacent that we end up having a tragedy.”

For more information:

https://www.mass.gov/orgs/department-of-fire-services

https://www.nfpa.org

Tough build masonry and

WWII veteran celebrates 101 years of memories at American Heritage Museum

By Maureen Sullivan

Contributing Writer

HUDSON - Russell Phipps is 101 years old. He’s hard of hearing and needs a cane to move around.

But he can still recall details on how to arm and load bombs. He can still shoot a firearm (including muzzle loaders), and he still knows his way around a sawmill.

On Dec. 29, the day after his birthday, the World War II veteran and longtime Hopkinton resident visited the American Heritage Museum with family and friends.

Phipps’ daughter, Marcia Caporizzo, said her father is a remarkable man.

“He’s the kindest, most accommodating man around,” she said. “We take rides around, and we come to a place, and he tells a story about him and his father.”

“He’s ever so grateful for everything in life,” she added.

Hunter Cheney, left, director of marketing and communication for the American Heritage Museum in Hudson, escorts 101-year-old WWII veteran Russell Phipps.

Hunter Cheney, left, director of marketing and communication for the American Heritage Museum in Hudson, chats with Russell Phipps, who served with the Army Air Corps during World War II. Phipps turned 101 on Dec. 28.

About his service

Phipps volunteered for service on Aug. 14, 1942. He became part of the Army Air Corps, rising to the rank of sergeant. Because of his skill with a firearm (“I had already done a lot of shooting with my father,” he recalled), Phipps became an instructor at a base in Colorado, where he stayed for 18 months.

After that, he was sent to the Pacific Theater. He remembered landing at Pearl Harbor and seeing the wreck of the USS Arizona.

“It was quite a sight for us,” he said. “It was awful.”

Sent to the island of Tinian, Phipps worked on the Enola Gay, the plane that would drop one of the atomic bombs on Japan in August 1945. Japan surrendered soon afterward.

“We were thanking [President] Harry S. Truman for ending the war,” he said.

He recalled the preparations being made to invade Japan at the time the bombs were dropped.

“It was going to be hand-tohand, house-to-house … they were thinking there’d be one million casualties, including civilians,” said Phipps.

After the war

Phipps came home one cold night in February. He had arrived at Worcester’s Union Station, where he saw his Model A Ford with his wife,

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— Russell Phipps

Doris, inside with a little bundle wrapped in a blanket—his infant son, Rusty.

The new family stayed in Natick briefly before moving to Framingham. They lived in a wall tent purchased from Sears Roebuck for a few months, and then they found an apartment in the former barracks at the muster field.

Phipps purchased a piece of land in the Woodville section of Hopkinton; the family moved there, built a house, and has been there ever since.

He runs a sawmill on the property, which itself is 100 years old.

A time for reflection

At the museum, Phipps got to see one of the museum’s newest exhibits—a SBD Dauntless aircraft, which was the primary carrier-based dive bomber used by the U.S. Navy during WWII.

Robert Collings, president of the Collings Foundation, showed Phipps the aircraft, which is on loan from the U.S. Navy. It was recently salvaged from Lake Michigan and brought to the museum; the dive bomber will become part of the museum’s Pacific Theater exhibit.

“I’m no hero,” Phipps said. “I was one of the lucky ones.”

Phipps often thinks of his friends, including his brother-in-law, who didn’t make it home.

“We looked forward to the end of the war,” he said.

Unfortunately, many people believe that there is only one type of 30-year fixed loan with the same lending guidelines. This results in people believing that they can’t own a home or be able to refinance to obtain desired cash to pay off bills or fund other desires. Below is a very short sample of various loan programs that the “banks” do not offer. Each program has unique features so please call for a more in-depth explanation and to learn more about other loan options.

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Robert Collings, left, president of the Collings Foundation, shows Russell Phipps, who served in the Army Air Corps during World War II, a SBD Dauntless aircraft recently pulled out of Lake Michigan. The plane will become part of the American Heritage Museum’s Pacific Theater exhibit.

I’m no hero. I was one of the lucky ones.

Grandparents who serve as part-time caregivers of grandchildren also benefit

By CoLin MCCanDLeSS ContriButing Writer

REGION - It’s no secret that child care is expensive. But the issue is especially acute in Massachusetts, where the average annual cost of infant care totals $20,913, or $1,743 a month, according to the Economic Policy Institute.

Cost is primary driver

The state ranks second out of 50 in most expensive infant care, costing residents slightly over 30 percent more than average rent. Massachusetts also bears the dubious distinction of being the most expensive state to have a baby when factoring in all expenses associated with childbirth.

There has even been a push among child care advocates for the state to address the issue through the funding of universal early childhood education from birth to age five. Policymakers drafted proposed legislation known as the Common Start Bill in 2021-22 that could be up for discussion in the legislature this year.

Many Massachusetts’ families can’t afford daycare and missing work isn’t a viable option either. But they still need someone to look after their young children. So they often must turn to the

grandparents for help with part-time caregiving duties of grandchildren.

Grandparents benefit as well

Although the reason that grandparents must become part-time caretakers of grandchildren is generally related to the prohibitive costs of child care or difficulty in finding day care openings, there is a silver lining to being a parttime caretaker as an older adult.

One research study has shown that grandparents who take care of grandkids part-time tend to live longer than those who don’t. Known as the Ber-

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lin Aging Study, it examined data from more than 500 people aged 70 and older and found that grandparents who served as a part-time caretaker in some capacity, whether providing support to grandchildren or others, had a reduced risk of death over a 20-year time span compared to those who did not.

Researchers who analyzed the study noted the link between part-time caregiving to grandchildren and lower stress levels, which can positively impact an individual’s longevity. Part-time caretakers are also typically more active physically, which can contribute to aging well. The study did not, however, examine full-time caregivers of grandchildren, which can be a more stressful situation for grandparents that can adversely affect the aging process.

Realtor relishes her caregiver role

Charlene Frary is one such individual whose part-time caregiving role has kept her active and energetic. Frary, who lives in MetroWest, the suburban area west of Boston, still occasionally serves as a part-time caregiver of her granddaughter, now eight, and 10-yearold grandson. From the period when they were newborns up to when they entered kindergarten, Frary would have each child separately for a full day ev-

ery week. During the overlap years, she would look after one child every Monday and the other every Friday.

Her help was requested primarily because of the job schedules of her daughter and son-in-law, who were both working full-time, and, like many Massachusetts families still needed assistance with the cost of child care. Frary was working as a real estate agent at the time and had a flexible schedule, so she stepped in to juggle part-time caretaker responsibilities.

“It was fabulous. I loved every minute of it,” recalled Frary of that period. Her grandchildren caregiving duties now mostly involve school vacations, other miscellaneous “noschool” days and some summer weeks when her daughter and son-in-law are working. She also fills in as needed in emergencies.

For Frary, her personal experience as part-time caregiver has been very fulfilling. She has taken her grandchildren on excursions to places such as the community organic farm and on road trips to places like Boston.

“I really enjoy having them. It’s a great experience,” said Frary. “We’ve done some fun things that I’m not sure I would have done on my own without having young children with me.”

“I really enjoy having them. It’s a great experience,” says MetroWest realtor Charlene Frary, of her time spent caring for her grandchildren.

Noisy Neighbors

Good fences make good neighbors.

— Robert Frost

Cross-country skiing is great winter outdoor exercise

By Marianne DeLorey, Ph.D.

Stanley moved in below Lucy about a month ago. He heard fairly regular noises from above, but he gave her the benefit of the doubt as long as he could. The banging grew more frequent; Stanley started thinking she was intentionally making noise to upset him. The last time it woke him up in the middle of the night. Having lost sleep, he snapped at her when he saw her near the mailboxes the next day. At this point, Lucy had no idea that Stanley was bothered, but Stanley was at his wits’ end.

This is often how it starts. Another variant of the same problem is when Stanley goes directly to management without having spoken to the neighbor. If a conversation between neighbors can be had calmly, more details often help them figure out the problem noises together. Getting a landlord involved from the get-go often feels aggressive and puts people on the defense.

However, at the end of the day, sometimes landlords have to get involved. Often, a simple solution exists—put a rug under that chair, oil a squeaky hinge, or limit a problematic activity to non-sleeping hours. Landlords often can and do help mediate noise issues very successfully. But what happens when a noise problem is repeated, prolonged, and not easily solved?

Let’s look at two scenarios. In the first, Stanley lived in his own home for 50 years. He liked to read but could not concentrate if there was noise. But Stanley’s expectations were not reasonable. The person above him was allowed to live their life. She could talk on the phone, watch tv, and take a shower just like he would. So long as the “quiet hours” were observed with more care, the daytime noise complaints were not actionable. Yes, Stanley might be bothered, but the onus was on him to learn coping

strategies for living in a community —use a white noise machine, read at the library, meditate, etc.

In the second scenario, Lucy is the problem. Stanley’s right to peaceful enjoyment is seriously altered when he cannot sleep because she is awake all night on the phone or singing along with her favorite music. When approached, Lucy cannot see reason and will not even talk to the landlord about ways she can reduce the noise level.

There is good and bad news for people looking for help from their landlord. The good news is that most leases contain a paragraph that outlines expectations: Your behavior is problematic when it interferes with the quiet enjoyment of the facility by other residents or when it interferes with the management of the property.

Cross-country | from page 4 in the woods, I just go to Foss Farm,” she explained. “You can both ski along the Concord River and in wide-open fields.” Another popular destination for many in Carlisle is Great Brook Ski Touring Center, which offers groomed trails and equipment rentals.

If you’d like to take a day or overnight trip outside of Massachusetts, choices abound in the states to our north, and the snow is much more reliable. “While cross-country skiing is a great solitary activity, it’s also a fun social activity,” said Kilborn. “I’ve taken trips with a group of friends to Maine nearly every year. We’ve made several visits to Maine Huts & Trails, where you can ski on an extensive trail network and stay overnight at backcountry huts that are heated and even have hot showers.”

— Louise Beal

The bad news is that landlords are only given one tool—the lease. When a lease is broken, the landlord can try to talk to the tenant, but sometimes they have to go to court to resolve the issue. And court takes time. Often a lot of time. Sometimes, it is 6 months or longer between the first report of problematic behavior and a court date. Many neighbors, at this point, get very frustrated with us.

Robert Frost was right that good fences make good neighbors. However, in multifamily housing, families are closer than the property lines of country homes. In our case, I would revise the quote to say, “Respecting boundaries makes good neighbors.” If you can’t have the neighbor you want, be the neighbor you want and the landlord will straighten out the rest.

Schwartz has also ventured frequently to northern New England to ski. “I did the Appalachian Mountain Club leadership training program, and for many years I led trips to Craftsbury, Vermont, and also Bretton Woods in New Hampshire. I still make a yearly trip to Craftsbury Outdoor Center, which is usually pretty dependable in terms of snow.”

The Weston Ski Track in Weston, which makes its own snow, is a good alternative when nature isn’t producing enough for cross-country skiing.

What if there’s no snow?

With warmer winters with less snow being more common, cross-country skiing in eastern and central Massachusetts can sometimes be hit-or-miss. But there is a solution, right near Boston.

“Our season runs from mid-December through mid-March, weather permitting,” said Deb Laufer, general manager of Weston Ski Track, which has a few miles of trails that are also lighted for night skiing on the Leo Martin Golf Course in Weston. “We make snow so skiing is pretty reliable in January and February for us.”

Weston offers senior discounts for anyone 62 or older, equipment rentals, and lessons.

“People over 50 are probably at least half of our customers,” said Laufer. “Our kids programming is popular, but when it comes to adults, it’s a lot of seniors. Cross-country skiing is fairly low impact, much better on your joints than running or even walking on pavement,” she noted. “Falling is at slower speeds which leads to significantly lower possibility for injury compared to downhill skiing or other sports.”

Love thy neighbor as yourself but choose your neighborhood.

When a relative turns 100

By JaniCe LinDSay ContriButing Writer

Youdon’t often have a chance to wish a family member a happy 100th birthday. The occasion is cause for contemplation.

My greataunt Evelyn, my grandmother’s sister, was one of only two people I’ve known who passed that milestone, though many relatives have come close.

The other was her mother who died at 101.

So I wanted to be there. My parents, my sister, and others gathered in our Rhode Island hometown to visit the nursing home where Aunt Evelyn had moved after recovering from a head injury sustained in a fall at home.

When I grew up, “nursing home” was a place you didn’t want to be. It

suggested unhappiness, loneliness, and neglect.

Aunt Evelyn was having the time of her life.

“They wait on me,” she said. “I love it.”

She attended all the entertainment, took every excursion. She told friends that if they wanted to visit, they should phone first because she might be out. She refused only one event. As she approached 100, she was invited to attend a celebratory luncheon for centenarians from various nursing homes. She said she had no wish to hang around with all those old people.

On the day we visited, other residents were being entertained by a belly dancer. I’m sure she would have been there if she wasn’t occupied with us.

Aunt Evelyn was profoundly deaf, even with hearing aids. People communicated by yelling into one ear or by writing notes on her ever-present notepad. She could see just fine after cataract surgery and read voraciously. And she remembered. She thanked

me for flowers I had sent, which had arrived the day before.

On the day we were there, she had already been celebrating. Her big family party, with her own children, grandchildren, and great-grandchildren, had been a couple of days before. Friends had come to visit, leaving gifts and flowers. She had been busy, and was maybe a little tired. She joked, “This hundredth birthday is going to kill me!”

It didn’t. When Aunt Evelyn turned 102, she said that this was old enough and she was tired. She stopped eating, and complained that she was taking too long to die.

I marvel. And I question.

How is it that some people sail gaily into a second century, while others slip slowly away, sinking into dementia or physical infirmity? Is it genes? Undoubtedly they have something to do with it. Positive attitude? Probably that helps. Rich social network? That probably helps, too. Healthy lifestyle? Those who try to stay healthy like to think so, but there’s no guarantee. Absence of

SUPER CROSSWORD PUZZLE

stress? Everybody experiences heartbreak and loss. Just plain luck? Possibly. Maybe all of those things, maybe a combination.

Scientists study very old people. They would like to solve the riddle of healthy longevity. So would I. I can see myself on that horizon. I want to know what I should do now to prepare, in case I actually sail that far.

Seeing a relative turn 100 also makes you realize how small time really is. A century seems like a long time. But when I was young, I knew my great-grandfather, George, Aunt Evelyn’s father. When he was young, he knew his grandfather, Seril. Seril’s father was born in 1776, during the Revolutionary War. That’s a direct, personal connection of people who knew each other, only two people between me and someone born twoand-a-half centuries ago.

What does all this mean? I wish I knew. These are just questions you contemplate when a relative turns 100.

Contact jlindsay@tidewater.net.

Answers on page 19

Don’t fall for tech support scams

By nanCe eBert ContriButing Writer

REGION - There are many innocent victims of tech support scams, especially during the hectic holiday season when people are often stressed and distracted. Older people in particular are often exploited by these criminals. For this age group, the loss can be devastating.

How it happens

These scams often involve a very savvy individual or group of individuals who prey on unsuspecting victims who are simply using their computer. A common tech support scam is when you see a pop-up window on your screen warning you that you have a virus that needs to be remedied immediately. You might also get a call from a toll-free number where the individual on the phone might try to gain access to your computer remotely. He or she might also try to sell you some type of a repair service subscription or offer a fake promotion. They simply want your credit card information as well as personal information. They are trying to get you to pay them to fix a problem that does not exist. Don’t fall for this fraud!

According to the FBI Internet Crime Report, written by Mallory Sofastaii in April 2022, “losses from tech support scams more than doubled in one year. Americans reported losing more than $347 million dollars in 2021.”

Avoid becoming a victim

It is important to remember that if you see a security warning on your computer screen that asks you to click on a link or call a given phone number, don’t do it. A link like that will likely install malware, which allows these crooks to see exactly what is on your computer. You should simply update your computer security software and tell someone you trust, immediately.

If there is no family member or friend nearby, you can always go to your nearest Apple store for their expert assistance if you use Apple products. Scott Radcliffe, a member of Apple Support referenced some of their tips. “If you believe that your Apple ID has been compromised, or if you might have entered your password or other personal information on a scam website, change your Apple ID password immediately,” he emphasized. “Never share personal information like credit card numbers, unless you can verify the recipient is who they claim to be.”

“Protect your Apple ID by using a two-factor authentication. Always

keep your contact information secure and up to date and never share your Apple ID password or verification codes with anyone,” said Radcliffe. “Apple never asks for this information to provide support.”

Legitimate companies will not contact you via text message, e-mail or telephone. If you ever get a call from a recognizable company like Apple, Microsoft, or Google, it is likely a scam with someone simply pretending to be a representative. These phone numbers are not typically traceable and are changed and disconnected often. However, be mindful and ask for a contact number that you can include when you report it to the Federal Trade Commission at ReportFraud.ftc. gov.

You should regularly change your passwords, and use strong ones, for your accounts to keep them secure. Don’t use the same password for all of your accounts, either. You can maintain a special notebook for all accounts and passwords or use a password manager app as they can become quite confusing to remember.

If you get scammed

Even if you follow these tips, it is still possible to get scammed. It happens to many of us, even when we are forewarned and trying to be careful. The scammers are well versed in their goal and sometimes their tactics use fear, even threatening to delete files or otherwise damage your device. It is important to note that if this does happen to you, there are things you can do to help rectify the situation.

“I knew I clicked on something that wasn’t right and immediately panicked,” said Carol Stamm of Northborough. “A ‘pop up’ came up quickly

via our security and asked if I wanted to continue. I clicked ‘no.’ Thank goodness, a problem was averted. Since then, I have become very vigilant with this type of scam. It is so easy to get caught up without paying attention.”

Never share personal information like credit card numbers.

— Scott Radcliffe

If you have been scammed, which can happen very quickly, and you paid with your credit card, simply contact your credit card company immediately and request that they stop the transaction. If a gift card was used, you can contact the company that issued this card and explain that you just got scammed and ask them for a refund. The Federal Trade Commission plays a big part in trying to eliminate scams like this that happen all too often.

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Tech support scammers are trying to get you to pay them to fix a problem that does not exist.

business spotlight:

Patients experience innovative treatment and quick response at Associated Foot Specialists

By kathryn aCCiari ContriButing Writer

HOLDEN - Podiatrist Dr. Anthony Tickner is committed to supporting the health of the community. With three offices in Central Massachusetts, he and his team at Associated Foot Specialists are able to provide quick, convenient care to patients with foot problems.

While many podiatrists focus on one specialty area, Tickner prefers to serve as a generalist for any type of foot problem.

“We treat every age of patient, from infants and children to adults and senior citizens,” said Tickner. “Our patient base includes athletes, executives, and people with specific health problems, like diabetes. Quite often, we see the weekend warriors, such as dads who think they can still slam dunk a basketball but end up injuring their foot.”

Patients at Associated Foot Specialists receive special insights into treatment when they see Tickner and his team. They

get to hear about new developments in the treatment of foot issues.

One up-and-coming procedure that Tickner offers is Lapiplasty, a form of bunion correction that stabilizes the affected joint of the toe.

“Usually, bunion treatments are 5070% successful, but with Lapiplasty we are seeing over a 95% improvement,” said Tickner. “The patient is able to return to normal activity much faster than with traditional bunion treatment.”

Another non-traditional treatment involves the use of medical grade honey. Originally used by the Egyptians and Mesopotamians, medical grade honey prevents bacteria from growing on wounds and bedsores.

“We were able to save a diabetic patient’s leg through the aggressive use of medical grade honey,” said Tickner. “She was in danger of amputation, but treatment with Medihoney saved the leg. She regained function with the treatment of

Podiatrist Dr. Anthony Tickner and his team at Associated Foot Specialists provide quick, convenient care to patients with foot problems.

PHOTO/KATHRYN ACCIARI

honey and long-term therapy.”

Tickner sees new skin graft science emerging that involves the use of synthetic dressings that contain glass particles. This creates a structure similar to scaffolding that supports the skin and helps to heal wounds faster. Fish skin grafts are in development and are showing promise for wound healing and pain relief. Another innovation is the development of 3-D printing to reconstruct replacement parts in the body. Tickner hopes to see this applied to foot reconstruction at some point in the future.

In addition to his practice at Associated Foot Specialists, Tickner serves as Medical Director of the St. Vincent Hospital Wound Care Center. In this role, he oversees the treatment of patients who suffer from chronic, non-healing wounds. “The advances in wound care are impressive,” said Tickner. “We successfully treat diabetics as well as cancer patients who have suffered skin damage from radiation therapy.”

Tickner’s team at Associated Foot Specialists treats most foot ailments, including plantar fasciitis, hammer toes, arthritis, warts, and flat feet. Each patient undergoes gait analysis, vascular testing, and a biomechanical examination. The practice has its own digital x-ray machine so that patients can stay on-site for x-rays. Tickner often recommends shoe inserts for diabetic patients and offers a

HOMES FOR HEROES

custom molded shoe program.

Associated Foot Specialists is known for its attentiveness to its patients. The practice sets itself apart with its standard of responding to patient calls within 48 hours. Tickner said, “Quite often, when you call a medical office as a new patient, you are given an appointment several weeks out. We don’t make people wait; we make it a priority to set an appointment as quickly as possible.”

The team at Associated Foot Specialists takes a holistic approach to treating its podiatry patients. “We communicate with each patient’s other care providers, so that their medical conditions are considered in conjunction with our recommended treatments,” said Tickner.

Associated Foot Specialists now has offices in Hudson, Holden, and Worcester in order to conveniently serve its patient population. Tickner intends to continue to seek innovative treatments for his patients.

“My patients amaze me every day,” said Tickner. “We pride ourselves on getting our patients back to the way they want to live. That makes my work all the more rewarding.”

Visit masspodiatrists.com for more information about Associated Foot Specialists.

Business Profiles are advertising features designed to provide information and background about Fifty Plus Advocate advertisers.

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— Dr. Anthony Tickner

My patients amaze me every day. We pride ourselves on getting our patients back to the way they want to live. That makes my work all the more rewarding.

Properly managing student loan debt is even more important for older borrowers

By nanCe eBert ContriButing Writer

REGION - Student loan debt is a heavy burden for people of all ages. But did you know that borrowers over the age of fifty make up almost a quarter of the current debt owed?

Because student debts are not generally forgiven by the federal government once you are in your fifties and sixties, there are some important things to be mindful of. There are, however, certain student loan forgiveness programs available to older people if you work in public service for an eligible not-for-profit organization or as a teacher.

Why student debt is so prevalent

Older Americans took out debt for a variety of reasons. These might include going back to school for a career change or extra degree to result in a pay raise or paying for their children’s education by taking out a bunch of Parent Plus loans with the Department of Education.

“Over the past three decades, the cost of attending a four-year college has more than doubled, even after adjust-

ing for inflation, as state and local funding for higher education per student has decreased,” said Jo Ann Jenkins,

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CEO of AARP. “Family incomes haven’t come close to matching that increase.”

Types of repayment plans

There are many different types of repayment plans and criteria for each one. It’s not a “one-size fits-all” type of solution. These include a Standard Repayment Plan, a Graduated Repayment Plan, an Extended Repayment Plan, a Revised Pay As You Earn Repayment Plan (REPAYE), Income Based Repayment Plan (IBR), Income Contingent Repayment Plan (ICR) and Income Sensitive Repayment Plan. Some have different monthly payments and time frames for when the loan is paid off. In addition, there are certain restrictions for who is considered to be an eligible borrower.

In a Standard Payment Plan, all borrowers are eligible. The payments are a fixed amount to ensure that the loan will be paid off within 10 years and up to 30 years for Consolidation Loans. In a Graduated Repayment Plan, payments are lower at first and then increased, typically every two

are permanently disabled.

“Refinancing your student loans can make a big difference in your monthly budget,” says Chris Ebeling, head of student lending at Citizens Bank in Westwood.

“Depending on the situation and the rate environment, we may recommend refinancing with another product, like a home equity line of credit,” says Cindy Shogry-Raimer, Greylock Federal Credit Union’s director of community development.

years. In the Extended Payment Plan, the payments may be fixed or graduated and will ensure that the loan is paid off in 25 years. In the REPAYE Plan, your monthly payments will be 10 percent of discretionary income. These payments are recalculated on a yearly basis. Any outstanding balance on your loan will be forgiven if you have

not paid off this loan after 20 years. In the IBR, your monthly payments will be either 10 or 15 percent of discretionary income. Payments are recalculated on a yearly basis and any outstanding balance on your loan will be forgiven if you haven’t repaid your loan in full after 20 to 25 years. In the ICR, your monthly payment will be no

more than 20 percent of discretionary income. In the Income Sensitive Repayment Plan, your monthly payment is based on your annual income, but your loan will be paid in full within 15 years.

Advice from financial institutions

“As a credit union, we encourage members to meet with our financial coaches,” said Cindy Shogry-Raimer, Greylock Federal Credit Union’s director of community development. “We assist folks with consolidation and, depending on the situation and the rate environment, we may recommend refinancing with another product, like a home equity line of credit.” She added, “We also focus on budgeting and the member’s ability to make the payments. There are no silver bullets but through a series of budgeting tips and careful consideration of interest rates of other lending options, we help our members make the best decision for their circumstance.”

To qualify for the Public Service Loan Forgiveness plan, known as PSLF, you must be employed by the United States federal, or a state, local or tribal government or not-for-profit organization. This also includes U.S. military service. You must also work full-time for that organization or agency, make 120 qualifying payments, have Direct Loans (or have your federal student

loans consolidated into a Direct Loan) and repay your loans under an income driven repayment plan.

Chris Ebeling, head of student lending at Citizens Bank in Westwood, has some tips. “Refinancing your student loans can make a big difference in your monthly budget,” said Ebeling. “Becoming debt-free before retirement is a worthwhile goal that can increase your financial stability and leave you with personal peace of mind. Lastly, consider working with a financial advisor,” he added. “They can help you get the most out of your money by setting up a plan with you and your goals at the center.”

than doubled…. Family incomes haven’t come close to matching that increase.

— Jo Ann Jenkins

Subsidized senior housing with a meal program option that makes us different!

Colony Retirement Home III is congregate housing for seniors. Enjoy nutritious “Home Cooked Meals,” served in our attractive dining room with your neighbors and friends.

At Colony we let you choose!

All apartments at Colony Retirement Homes receive rental assistance through the HUD section 8 program. Rent is 30% of your adjusted monthly income. Rent includes all utilities except phone and cable TV. Call Monday thru Friday, 9am to 5 pm for more information.

Affordable Living at its Best

Income Guidelines: $ 41,500 single / $47,400 couple

Now accepting Applications for 62 years of age and older and those that are under 62 years of age and are permanently disabled.

• Heat and hot water included

• Qualified Applicants pay 30% of adjusted income

• 24 hour emergency maintenance

• Non-Smoking Community

• Monthly activities include: exercise classes, birthday parties, book mobile, blood pressure screens and podiatry

• Manicured walking paths with garden plots

• Ideally located in Natick residential bus route

• Pets okay under 20 lbs.

Relax in Park-like setting

Colony Retirement Homes I are garden style studio apartments, located in a country-like setting. A short walk takes you to shopping centers, banks, restaurants and the bus line. A little bit of the country adjacent to the city.