50 lifestyles metro 4 18 issuu

Spring 2018 Metro Edition • Vol. 43 #1

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Baby Boomers & Seniors

I.D Theft Adressed with New Medicare Cards Coming This Summer

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edicare has been asking doctors to play a new video in their waiting rooms to remind patients that the federal government will begin mailing them new identification cards next month. The video gives beneficiaries a glimpse at what the new card will look like and explains why and how it was modified.

Instead of a Social Security number, the cards will display an 11-digit Medicare beneficiary identifier, and they will no longer include gender and a signature.

Eliminating the personal details, Centers for Medicare and Medicaid Services (CMS) officials say, will better protect an (Continued on page 13)

and much more...

The Biggest Myths About Reverse Mortgages ................................ page 2 Varicose Veins - What You Need To Know....................... page 8 3 Top Falling Myths Debunked..............page 10 How to get the most out of attending a no-cost Medicare Seminar .............................. page 12 Quieting the Noise 5 Ways to Reduce the Effects of Ringing in the Ears...............page 15 Buying Tires For Your Car? What To Consider . .............................page 18 Join Us For Our

✓ NO OBLIGATION, JUST INFORMATION ✓ TAX FREE FUNDS FOR ANY PURPOSE ✓ BAD CREDIT - NO CREDIT - NO PROBLEM Registered mortgage broker NYS Department of Financial Services #60526. Loans arranged thru third party providers.

With a reverse mortgage homeowners may still be responsible for real estate taxes and homeowners insurance payments.

MEET THE EXPERTS FROM PERRI-FUNDING FOR A COMPLIMENTARY BREAKFAST

RSVP 516-526-4041 www.PerriFunding.com 300 Bedford Avenue, Suite 201 Bellmore, NY

LOCAL SEMINAR See Page 2 for Locations, Dates, Times.

April Metro Edition Sponsored by

Call 347-625-3955 • www.usaveinclinics.com

Spring 2018 Metro Edition • Vol. 43 #1

50plusNY.com Serving

Baby Boomers & Seniors

I.D Theft Adressed with New Medicare Cards Coming This Summer

Visit the ALL-NEW 50plusNY.com

Since 1975 • 50plusny.com

• Events • Articles • Video • Polls

M

edicare has been asking doctors to play a new video in their waiting rooms to remind patients that the federal government will begin mailing them new identification cards next month. The video gives beneficiaries a glimpse at what the new card will look like and explains why and how it was modified.

Instead of a Social Security number, the cards will display an 11-digit Medicare beneficiary identifier, and they will no longer include gender and a signature.

Eliminating the personal details, Centers for Medicare and Medicaid Services (CMS) officials say, will better protect an (Continued on page 13)

and much more...

The Biggest Myths About Reverse Mortgages ................................ page 2 Varicose Veins - What You Need To Know....................... page 8 3 Top Falling Myths Debunked..............page 10 How to get the most out of attending a no-cost Medicare Seminar .............................. page 12 Quieting the Noise 5 Ways to Reduce the Effects of Ringing in the Ears...............page 15 Buying Tires For Your Car? What To Consider . .............................page 18 Join Us For Our

✓ NO OBLIGATION, JUST INFORMATION ✓ TAX FREE FUNDS FOR ANY PURPOSE ✓ BAD CREDIT - NO CREDIT - NO PROBLEM Registered mortgage broker NYS Department of Financial Services #60526. Loans arranged thru third party providers.

With a reverse mortgage homeowners may still be responsible for real estate taxes and homeowners insurance payments.

MEET THE EXPERTS FROM PERRI-FUNDING FOR A COMPLIMENTARY BREAKFAST

RSVP 516-526-4041 www.PerriFunding.com 300 Bedford Avenue, Suite 201 Bellmore, NY

LOCAL SEMINAR See Page 2 for Locations, Dates, Times.

2

The Biggest Myths About Reverse Mortgages

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he reverse mortgage was created in 1961, and has been through many changes, but today is one of the safest financial tools available for seniors. Its purpose was to make life easier for those age 62 and older to stay in their home without the burden of a mortgage and to have the necessary money in the form of a line of credit or lump sum to use for an emergency, or other purposes. There are number of misconceptions that have sprung about Reverse Mortgages that give rise to many seniors not taking the time to evaluate a program that might be an important resource to supplement limited Social Security and dwindling investments.

Myth #1 – The bank becomes the owner of the property. False! Lenders are not in the business of owning home.

The homeowner keeps title to the home in their name. The lender is merely added to the title as a lien, just like a mortgage, so that should title ever be transferred they will eventually get paid back. The difference between a Reverse Mortgage and a conventional mortgage is that with a reverse mortgage you are not required to make a payment. You can’t go into foreclosure. You continue to maintain your home so long as you pay taxes and insurance. If you were pass away with

50+ LifeStyles Spring 2018 Metro Edition • www.50PlusNY.com

a balance, title would pass just the same way as any other mortgage product on the home. In fact the FHA will allow the estate anywhere from six months to one year for heirs to refinance, repay the balance, or sell the home.

Myth #2 – Reverse Mortgages are expensive and have no additional benefits.

False! Many seniors cannot qualif y for many types of conventional mortgages and are either forced because of rising cost of living, medicine, taxes, etc., to supplement social security or pension just to get by. The choice is to downsize or figure out how to supplement their income.

The government’s answer was the reverse mortgage and interest rates have been set low so they can be paid off by a senior or loved one who inherits the property without undue hardship. One of the principle benefits of a reverse mortgage is that a senior on a fixed income, even with poor credit, can obtain financing so long as the own their home with sufficient equity. Best of all, the process is less involved and can be completed in as little as three to four weeks.

Every case can be slightly different. For personal consultation call Perri Funding Corp (MLO#59513) at 516-661-9300; www.perrifunding. They are located at 300 Bedford Ave., Suite 201, Bellmore, NY 11710.

3 May 1 Spring Computer Classes. Bayside Library, 718-229-1834. 10 to 11:30 a.m. Registration is required/space is limited. Register at least a week before the scheduled dates by calling or coming to the library.

May 3 Senior Game Day. At the Kew Gardens Hills Library. 718-261-6654; 12:15 to 1:45 p.m. Join us for our weekly sessions of Senior Game Day. Bingo, chess, mahjong.

Beginning Ukulele Lessons. Glen Oaks Library, Glen Oaks. 718-831-8636; 2:30 to 4:30 p.m.

Registration by phone or in person. For beginning students. Bring your own Ukulele or use one on site. Teaching artist Nancy Hinchliffe leads this nine-session course. For Older Adults 50+. Registration is limited to 15 students.

May 5 Pathway to US Citizenship. Becoming A US Citizen and Building Your Civic Knowledge. At the Lefferts Library, Richmond Hill. 718-8435950; 2:30 to 4:30 p.m. Sessions are in English and include a workshop and basic civics education.

May 8 Origami for Adults. At the Hillcrest Library, Flushing. 718-454-2786; 3:30 to 4:30 p.m. We will be making a different project each session.

May 9 Music for The Soul. At the East Flushing Library, Flushing. 718-357-6643; 3 to 4 p.m. Sean Condron, born in Queens to Irish parents, is a modern day bard whose repertoire spans the length and breadth of American music.

May 12 Mexican Marimba Music. At the Ozone Park Library, Ozone Park. 718-845-3127; 2 to 3 p.m.

Jackson Heights-based musical ensemble Percussia presents a program of traditional marimba music from Mexico.

May 15,17 Reverse Mortgage Seminar. Learn the facts.

Hosted by Perri Funding. See ads on page 2.

May 15-Brooklyn Diner, 10:00 am. May 17- USA Diner, 10:00 am.

May 17 Annual Bike the Branches. Brooklyn Public Library (BPL), one-day bike ride through BPL’s 60 neighborhood libraries. Featuring 12 unique

(Send event info to Frank@50plusny.com.

Deadline 15th of the month)

bike routes, and a range of special events featuring prizes, music, and entertainment. All proceeds will go towards library services. Free helmet fittings. May 8 from 4-6:30 p.m. at BPL’s Kensington Branch at 4201 18th Avenue. May 13 from 4- 6:30 p.m. at BPL’s Central Branch at 10 Grand Army Plaza. More info at: www.bklynlibrary.org/media/press/brooklyn-public-library’sannual-“bike-branches”-event-saturday-may-17 May 20 Stargazing Club: The Full Moon. Alley Pond Park Adventure Center, Union Tpk. 718-362-1769; 8 to 9:30 p.m. Discuss the science, history and folklore of the universe. Featuring the use of telescopes and binoculars to observe specific astronomical events. The Full Moon will be on full display for viewing through a telescope.

May 21 African-American History Book Talks. At the Rochdale Village Library. 718-723-4440; 6 to 7:30 p.m. Learn about new books and delve into (Continued on page 6)

50+ LifeStyles Spring 2018 Metro Edition • www.50PlusNY.com

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E-mail your resume to frank@50plusny.com.

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50+ LifeStyles Spring 2018 Metro Edition • www.50PlusNY.com

LifeStyles Sudoku Solution from page 19

6 (Continued from page 3) discussions about African-American history.

Bring a fiction or non-fiction book related to the month’s topic and share with the group. Meets the third Monday of each month. Register online or by calling the library.

May 21 Chess Workshop. At the Coney Island Library, Brooklyn. 718-265-3220; 4 to 6 p.m. Learn chess with instructor Vladimir Mazo! Open to all ages.

May 28 Memorial Day Field Masses. Hosted by Catholic Cemeteries. See ad on page 14. 9:00 Holy Trinity Parish Church, Brooklyn. 10:30 am - St. Mary Star of the Sea Cemetery, Lawrence.

June 2 What A Wonderful World. Queens Library in Jackson Heights. 718-899-2500; 3 to 4:30 p.m.

The Queens Library celebrates the 50th Anniversary of Louis Armstrong’s original recording of the iconic song ‘What a Wonderful World.’

June 3 Native American Festival. 16th Annual

Drums Along the Hudson features traditional dance, drumming, crafts, and foods at Inwood Hill Park, plus performers representing other cultures. Free. Inwood Hill Park - 218th Street and Indian Road (four blocks west of Broadway); 11 a.m. to 6 p.m., rain or shine.

June 11-29 Opera in the Park. The Summer Recital Series by the Metropolitan Opera features opera performances in various parks. Free. For locations, go to: www.broadwayworld.com/bwwopera/article/Metropolitan-Operas-2018-Summer-RecitalSeries-Offers-Six-Free-Concerts-Featuring-RisingOpera-Stars-20180418.

June 14 Flamenco Meets Pop. At the Far Rockaway Library, Far Rockaway; 718-327-2549; 6:30 to 7:30 p.m. Recording artist/singer/guitarist Edwin Vazquez.

June 14 Your Life Story: A Memoir Writing Workshop for Adults. At the Maspeth Library, 69-70 Grand Avenue, Maspeth; 718-639-5228; 2:30 to 3:30 p.m. Registration: Not required.

50+ LifeStyles Spring 2018 Metro Edition • www.50PlusNY.com

June 15 Board Games for Adults. Lefrak City Library, Corona; 718-592-7677; 1 to 2 p.m. Scrabble, Monopoly, Sodoku, Mancala, checkers, chess June 16 Adventures NYC. At the Central Park, the Bandshell Area (enter at 72nd Street); 11 a.m. to 4 p.m. Free event, rain or shine. Get ready to bike, climb, race, and glide at Adventures NYC! Join NYC Parks in Central Park to celebrate the great outdoors and enjoy a day of adventure—for free! www.nycgovparks.org/highlights/festivals/adventures-nyc.

June 17 The Amazing Father's Day Scavenger Hunt. A series of clues leads you around the city performing physical and mental challenges along the way. The hunt takes three hours. Please wear comfortable shoes and bring a Metrocard.

One member of the team should have a smart phone (either Android or I-Phone). The hunt is run through an app called ScanQuest. Please download that before you come to the event.

Start at Slattery's Midtown Pub, 8 East 36th Street, NYC; 1:30 p.m. Fee: $39 per person. 50+

8

Varicose Veins - What You Need To Know

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o your legs feel heavy and swollen? Do they ache, itch, burn, or tingle? Are they restless and steal sleep from you at night? If you experience these symptoms regularly, then it may be a good time to see a vascular specialist. For the majority of Americans, these symptoms are not just the result of eating too much salt or being overweight—they usually stem from venous insufficiency.

Venous insufficiency means there is inadequate blood flow in the veins due to malfunctioning valves. The valves are meant to keep the blood moving toward the heart. When the valves fail, the blood moves backward and pools in the legs. When the blood cannot circulate back to the heart, it cannot be cleaned and oxygenated properly. These veins also get backed up with higher than normal pressure, which can cause them to swell and bulge to the surface, as well as cause significant amounts of leg pain and fatigue.

Venous insufficiency is the most common cause of swelling and discomfort in the legs. It is also the most easily treated. Do not dismiss the possibility that you have venous insufficiency simply because you do not see varicose veins. Not all people have both venous insufficiency and varicose veins. That is why it is important to be aware of how long you have suffered from the aching and swelling, and get a consultation and assessment from a trained vascular surgeon.

What you see on the surface of your legs does not always reveal what is going on beneath. For example, spider veins that appear toward the bottom of your leg could be caused by hidden veins toward the top of your leg. If you are experiencing any of the following symptoms, do not delay treatment. If left untreated, these symptoms can progress to more serious complications, including blood clots, thrombosis, and skin ulcers.

• Dull aches and pains • Soreness • Itching and burning • Heaviness and swelling of the legs • Tingling and numbness • Skin color changes or discoloration (brown and blue) • Restless legs • Dry, scaly skin • Thickening and hardening of the skin on the legs and ankles • Redness of the legs and ankles • Ulcers on the legs and ankles If you suffer from venous insufficiency, we offer non-surgical, outpatient procedures that can relieve your pain and improve your leg health.

One such treatment to treat varicose veins, is endovenous laser therapy (EVLT). EVLT is the gold standard in venous insufficiency treatment. During the treatment, a very thin laser fiber is inserted into the diseased vein, and heat from laser energy is used to seal it, allowing the healthy veins around it to take over circulation. The procedure takes about 15 minutes, and you may resume your normal activities afterward.

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50+ LifeStyles Spring 2018 Metro Edition • www.50PlusNY.com

Another treatment we offer is called sclerotherapy, which is used to treat spider veins, reticular veins, and small varicose veins. This treatment utilizes ultrasound technology to find the precise location of the diseased vein. A tiny needle is used to administer a series of injections containing a salt solution. The solution causes the vein to swell and seal. The vein will become scar tissue and be reabsorbed into the body, and healthy veins will take over. Sclerotherapy takes about 30 minutes, and, after the procedure, you will be able to go about your daily business.

We want you to have healthy legs all year round, especially during the busy, warm summer months. Call to schedule a vein treatment consultation with one of our vascular specialists today. (847) 897-5024. Since venous insufficiency is a serious medical condition, treatment of varicose veins are covered by Medicare, most insurance plans, and Medicaid. Visit our website for more information regarding our services, doctors, and locations. www.usaveinclinics.com

10

I

A MyNotifi Memo: 3 Top Fall Myths Debunked gnorance isn’t bliss when it comes to your health and safety. It’s important that you remain informed about falls and fall risks. You’d be surprised how many people fall for these common myths.

Myth: Falling is not a big deal.

Fact: Even though some falls are not serious, many are and can have long-lasting effects. In fact, falls are the leading cause of non-fatal and fatal injuries for Americans over 65.

Myth: Limiting my activity will prevent falls.

Fact: This is absolutely false. Lack of activity and strength actually puts you at greater risk of falling. Exercise is one of the best ways to prevent falls, especially if it helps improve lower body strength, flexibility, range of motion, and balance.

Myth: Once you’ve lost muscle tone and flexibility, they’re gone.

Fact: Fortunately, this is just not true. It’s never too late to start getting the benefits of exercise.

Unfortunately, many believe that they can avoid falling by being home and avoiding vigorous activities. Ironically, doing this actually puts you at

50+ LifeStyles Spring 2018 Metro Edition • www.50PlusNY.com

greater risk of failing. Falling is serious business, but don’t let the fear of falling keep you from living your life.

Instead, get some exercise, and get a MyNotifi fall detection device.

Worn on the wrist or clipped to your belt, it goes with you wherever you go. If your MyNotifi detects that you’ve fallen, it uses an app on your smartphone to notify a list you’ve created of friends, families or neighbors, to let them know you may need help. And MyNotifi does more than fall detection. It also helps with fall prevention. The MyNotifi app comes preset with 38 certified physical therapy exercises to help you develop lower body strength, flexibility, balance, and range of motion.

Don’t let the fear of falling stop you. Stay active.

Stay independent. And stay safe.

Get your exclusive and limited $25.00 off Discount today using code LIFESTYLENY. For more information about MyNotifi wristband or MyNotifi clip, check out mynotifi.com or call or email 1- 800-541-1420 | info@mynotifi

11

Alzheimer’s Foundation Of America Names Anna Diehl Of Brooklyn An AFA Excellence In Care Specialist

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he Alzheimer’s Foundation of America (AFA) announced that Anna Diehl of Brooklyn, New York, has been named as its most recent AFA Excellence in Care (EIC) specialist.

AFA’s EIC specialists are highly trained professionals—possessing a particular expertise in dementia care at health care settings. AFA’s EIC specialists assess and provide guidance to care settings around the country to ensure that these organizations provide best practice in dementia care to individuals, families and care professionals according to AFA’s national standard of excellence.

“We congratulate Anna on her achievements and for joining the rank of AFA EIC specialist. Anna’s extensive expertise and interest in evidencebased sensory programs to support engagement and cognition — along with her overall commitment to caring for individuals with Alzheimer’s disease — will serve her well in this new role as she helps dementia care settings to achieve the highest level of standards,” said Charles J. Fuschillo, Jr., AFA’s president and CEO. A founder of Awaken Seniors LLC — Anna was inspired to create ways to provide comfort to and connect with seniors when visiting with family and elderly friends, and from her role as a hospice volunteer. Awaken Seniors provides sensory programs to engage seniors by way of the five senses. Professionals interested in becoming an AFA EIC specialist can visit www.alzfdn.org or call 866-232-8484 for more information. 50+

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12

How to get the most out of attending a no-cost Medicare Seminar

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or those turning 65, there are various health care coverage options to explore, from Original Medicare to a Medicare Advantage Plan. Many health insurance plans offers Medicare educational seminars to help you navigate your enrollment options and choose health care coverage that supports healthy living.

AgeWell New York suggests a few important items to keep in mind, to help you get the most out of attending a Medicare seminar.

• Enrollment periods and late penalties. Enrollment period for Medicare is up to 3 months prior to turning 65, and 3 months after turning 65, but there are a few special enrollment op-

• Health and Wellness Benefits: Many plans offer health and wellness benefits over and above what is provided by Original Medicare, including dental, vision, hearing, transportation, alternative medicine, and fitness programs. Ask about what benefits the plan covers and how you can access it.

• Original Medicare vs. Medicare Advantage Plans. What’s the difference?

What are the pros and cons? You should have all your questions answered and know all your options before making a decision.

• Medicare, and or Medicaid eligibility. Some plans offer options for those with varying levels of Medicare and those with Medicare and Medicaid. Talk to advisors about your eligibility and what plan options are best for you.

• Provider Network: Health plans are continually expanding and/or modifying their provider networks. Find out if your doctors or specialists are in the plan’s network. If not, ask about how they can be invited to participate.

portunities that you could qualif y for. Learn about your options.

50+ LifeStyles Spring 2018 Metro Edition • www.50PlusNY.com

• Drugs in Formulary: Be aware of the plan’s formulary and if the drugs your physician is prescribing are included. Ask the plan about the process to request consideration that your drugs be included.

AgeWell New York offers Medicare Advantage Prescription Drug Plans for Medicare beneficiaries in the New York Metropolitan area. Call about attending one of our no-cost seminars at 866-586-8044 or agewellnewyork.com

13 Cover Story - New Medicare Cards

enrollee’s identity and guard against fraud.

The Social Security Administration (SSA) urges Medicare enrollees to make sure the agency has their correct address on file. You can go to socialsecurity.gov/myaccount or call 800-772-1213 to update your address.

Scammers with various ploys have already started to target the 58 million individuals who will be getting new cards.

The Federal Trade Commission (FTC) reports that con artists are calling beneficiaries and pretending to be from Medicare, then trying to talk

them into paying for the revised card. Medicare will never call and ask for any personal identification or money for the new cards. The cards are free and will be mailed to members’ homes.

Medicare beneficiaries in Delaware, the District of Columbia, Maryland, Pennsylvania, Virginia and West Virginia will be the first enrollees to receive the replacement cards.

The mailings will continue through 2019. To see the video go to www.50plusny.com and click on “New SS Cards.” 50+

14

AARP Survey Finds Risk of Falling for a Medicare Card-Replacement Scam High

By Dena Bunis, A ARP

A

ccording to a new A ARP survey (www.aarp.org/research/topics/economics/info-2018/2018-medicarescams/?CMP=RDRCT-PRI-FRAUD-040518.html) more than three-quarters of Americans over age 65 know little or nothing about the federal government’s initiative to replace their Medicare cards. And that makes them susceptible to scammers intent on taking advantage of the confusion.

Individuals new to Medicare are receiving the updated card, which displays a unique combination of 11 letters and numbers rather than a beneficiary’s Social Security number (SSN). Current beneficiaries will begin receiving their replacement cards next month.

A ARP found that 60 percent of those surveyed mistakenly believe they might have to pay for the revamped cards. The new cards are free. And more than half of respondents said they might not be suspicious if they received a call — supposedly from Medicare — asking them to verify their SSNs as a prerequisite to getting a new card.

Medicare officials have emphasized that they will never call beneficiaries about the cards, which are being mailed out by the Social Security Administration.

“The new Medicare cards are a step forward for fraud prevention, but con artists are working overtime on new ways to scam seniors,” says Nancy LeaMond, A ARP’s chief advocacy and engagement officer.

Sixty percent of those surveyed mistakenly believe they might have to pay for the revamped Medicare ID cards, making them vulnerable to scammers.

Scammers posing as Medicare representatives have been calling beneficiaries demanding a processing fee. Other fraudsters are telling beneficiaries that they are owed a refund from transactions on their old card and asking for bank account info to process the reimbursement.

Medicare will never ask an enrollee for a bank account number, and no refunds are owed.

50+ LifeStyles Spring 2018 Metro Edition • www.50PlusNY.com

A ARP’s phone survey reached 800 respondents and has a margin of error of plus or minus 3.5%. A ARP’s Fraud Watch Network provides more prevention tips and advice on card-replacement and other types of scams. Consumers can also sign up for “Watchdog Alert” emails to get regular updates on new scams. 50+

15

Quieting the Noise 5 Ways to Reduce the Effects of Ringing in the Ears

By Dr. Leisa Lyles-DeLeon

T

innitus refers to the perception of sound when no external sounds are actually present. Often described as a constant “ringing in the ears,” tinnitus can present itself as a variation of different types of sounds. Common causes of tinnitus include: Auditory trauma Exposure to loud noises can trigger tinnitus. Think construction workers, landscapers, or musicians. Workers in these fields can regularly face noise decimals upwards of 95+. Hearing is put in harm’s way when constant exposure over 85 decimals occurs.

Age-related hearing loss Age is the strongest predictor of hearing loss among adults aged 20-69, with the greatest amount of hearing loss in the 60 - 69 age group. Tinnitus can result directly from hearing loss.

Earwax build-up Excessive wax in the ear can cause tinnitus. The earwax helps clean, protect and lubricate our ears. However, when too much wax builds in our ears, our eardrums can become irritated and/or hearing loss may occur, which can lead to tinnitus.

If you’re experiencing noise in your ears that extends for a period of time you should consider the following: While less common, tinnitus can be an early indicator of a serious medical condition. It is best to receive a full check up by your physician to eliminate more serious concerns.

Particularly for those also suffering from hearing loss, hearing aids can reduce the impact of tinnitus. When improving your actual hearing, your tinnitus may become less noticeable.

If you’re not suffering from hearing loss, an audiologist can fit you with a tinnitus masker. This device looks like a hearing aid, but instead produces sounds that “mask” tinnitus. These sounds make the tinnitus more tolerable.

White noise, such as the steady whir of a fan, can help mask tinnitus.

The same is true for pink noise, which refers to a balanced mix of high and low frequencies (e.g. waves crashing or leaves rustling). These devices can be particularly helpful at night while sleeping and can be found for as low as $20. There are also apps that can be streamed on your phone or tablet for as little as $2.

Tinnitus retraining therapy can be a more costly option (it’s typically not covered by insurance), tinnitus retraining therapy has shown positive results for those suffering from tinnitus. It uses a combination of sound therapy and counseling to try and reduce a patient’s focus on tinnitus.

The objective is to disassociate tinnitus with negative occurrences and associate it with positive occurrences. This can help reduce stress often associated with tinnitus, which can make it worse. 50+

Dr. Leisa Lyles-DeLeon earned her Doctorate Degree in Audiology from the Arizona School of Health Sciences and a Bachelor’s Degree in Speech-Language Pathology & Audiology from the George Washington University.

50+ LifeStyles Spring 2018 Metro Edition • www.50PlusNY.com

16

VeteransNews Irish Veterans Medal of Honor Museum Needs Your Help On March 10, 2018, a small museum will open in Kinsale, County Cork, Ireland. It will be the first Medal of Honor Museum outside the United States.

The display will be centred around the Medal of Honor (MoH) received

by Michael Gibbons, born and raised in County Mayo. He emigrated, joined the US Navy and was decorated for heroism under fire off the coast of Cuba during the Spanish-American War. Amazingly, a fellow Mayo-man, a US Marine named Philip Gaughan, was in the same small boat during the action, and he also received the Medal of Honor.

It is unprecedented that a genuine MoH will be displayed outside the US, and it is highly appropriate that this will be in Ireland. Internationallyrenowned historian and author Damian Shiels will be the Museum Manager/Curator.

Irish Veterans are seeking help and support to get the Museum up and running, and have a LOT of work to do, including painting, lighting, flooring, creating display cases and boards, security measures, advertising, etc.

We are asking you to consider if your company, yourself, or any colleagues or friends can help us with getting the Museum doors opened on March 10.

Grandparents Raising Grandchildren Bill Unanimously Passes HELP Committee .S. Senate Special Committee on Aging Chairman Susan Collins (R-ME) and Ranking Member Bob Casey (D-PA) applauded the Senate Health, Education, Labor, and Pensions (HELP) Committee’s unanimous passage of the Supporting Grandparents Raising Grandchildren Act, which would create a federal task force charged with supporting grandparents raising grandchildren as the opioid epidemic increases their numbers. The senators urge swift action on the Senate floor to make this important bill law.

Approximately 2.6 million children are being raised in grandfamilies, and experts say this number is rising as the opioid epidemic devastates communities across the country. Senators Collins and Casey, who are both members of the Senate HELP Committee, introduced the Supporting Grandparents Raising Grandchildren Act last year after an Aging Committee hearing during which witnesses testified about the need for grandparents to have easy access to information about resources available to assist them.

“Throughout history, grandparents have stepped in to provide safe and secure homes to their grandchildren, replacing traumatic pasts with loving and hopeful futures. As a result of the current opioid crisis, more and more grandparents are taking on this role. It is essential that we do all that we can to help these families,” said Senator Collins.

U

The group of donors will be known as “The Protectors,” in honor of SEAL Lieutenant Michael Murphy (MoH), for whom our first Chapter is named, and whose family roots are in County Cork. He was nicknamed ”The Protector” for fighting off bullies who picked on smaller kids during his school days, and that mindset never left him.

Murphy gave his life for his men in 2005, during a savage firefight in the mountains of Afghanistan (documented in the film Lone Survivor).

We hope you will consider joining us in this endeavour – and please do spread the word. We need all the help we can get to give these men and their stories the recognition they so richly deserve, having been forgotten

by Ireland for so long.

To become a Protector, please e-mail admin@irishveterans.org; declan@irishveterans.org; or call +353 86 4066 448. Memberships are available at www.irishveterans.org. 50+

“I am pleased that the Supporting Grandparents Raising Grandchildren Act unanimously passed out of the HELP Committee. I coauthored this bill to respond to the needs expressed by families throughout Pennsylvania and across the country who need our help to find resources and supports to raise their grandchildren,” said Senator Casey. “The number of older Americans who are stepping in to care for their grandchildren is on the rise due to the opioid crisis. I urge my Senate colleagues to pass this legislation swiftly so that grandfamilies will know where to go to access the information they need.”

The Supporting Grandparents Raising Grandchildren Act would create a federal task force charged with identifying and disseminating information designed to help grandparents raising grandchildren navigate the school system, plan for their families’ future, address mental health issues for themselves and their grandchildren, and build social and support networks. 50+

17

AICPA Survey: Tax Time is the Right Time for Americans to Plan for Their Future

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he stress of the 2017 tax-year filing deadline has passed and, though many Americans may be eager to put away their financial records, now is the perfect time to plan for the future. Instead of filing and forgetting it, the American Institute of CPAs (AICPA) encourages Americans to use the information in their tax return to develop a plan that will put them on the path to reach their financial goals.

According to a survey of 507 affluent Americans (either $250,000 in investable assets or more than $200,000 household income) conducted online by The Harris Poll for the AICPA before the new tax law passed, nearly eight in 10 affluent Americans (78 percent) said they are likely to use the information on their tax return to guide their financial plan.

“By not taking advantage of various tax planning strategies, Americans could be leaving money on the table every year that could have gone towards their children’s education, their family’s healthcare savings, or towards retirement,” said Andrea Millar, CPA/PFS, director – financial planning, Association of International Certified Professional Accountants. “In today’s dynamic tax environment, taking some time after tax season to ensure your financial plan is

in synch with the current law will allow you to feel more confident you’re on track to meet your financial goals.”

With tax-filing season having just concluded, CPA financial planners suggest Americans review their returns and see if any the following opportunities make sense for them: 1. Make your 2018 contributions as early as possible: Taxpayers should make their contributions to tax-advantaged accounts, such as IRAs, 529s, and workplace retirement plans, as early in the year as possible. By making these contributions earlier rather than later, taxpayers will benefit from additional tax-free compounding growth, which can be substantial over time.

2. 529 College Savings Plan for education expenses: For families with kids going to private elementary or high school, take advantage of the new 529 provision that allows you to pay $10,000 per year, per child, from a 529.

3. Participate in employer 401(k): If your company has a matching program and you're not participating in it, then you're missing out on an opportunity to reduce your tax burden while you save for retirement.

4. Review employee benefits: Tax time can be a good opportunity to review your employee

benefits and determine if any changes need to be made during the next open enrollment period.

5. Review investments: An annual investment review is always recommended to ensure that your goals and life circumstances have not changed, which will have an impact on your asset allocation. Moreover, you should determine if you need to re-balance your investments to maintain your desired level of risk.

6. Consider bunching medical expenses into 2018: If you have been putting off a procedure or visiting a medical specialist, now may be the best time to schedule that appointment. Under the new law, the 7.5 percent of income medical deduction threshold will be in place only for the 2017 and 2018 tax years. After that, the threshold reverts back to 10 percent of income. For what is and isn’t deductible, visit the IRS website.

The AICPA’s Personal Financial Planning (PFP) Section is the premier provider of information, tools, advocacy, and guidance for CPAs and other professionals who specialize in providing estate, tax, retirement, risk management, and investment planning advice to individuals, families, and business owners. 50+

50+ LifeStyles Spring 2018 Metro Edition • www.50PlusNY.com

18

Buying Tires f r Y ur Car? What t C nsider

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he experts at Cooper Tires are offering easy ways to identify when you need new tires, as well as tips on buying new tires.

The Penny Test Tire tread should be more than 2/32 of an inch deep. Check by inserting a U.S. penny into the tread with Lincoln’s head facing down. If the top of Lincoln’s head is covered by tread, there’s at least a minimum acceptable amount of tread.

If the top of his head is visible at any point, it’s time to replace your tires.

Even before tread is worn, regularly inspect tires for cuts, cracks, splits, punctures, bulges and uneven wear patterns. Also, replace all tires, (including full-size spares) that are 10 or more years older than their date of manufacture, or follow the vehicle manufacturer’s recommendations.

Know the Right Size As with shoes, buying the proper tire size is critical. Consult the information placard found on the driver’s side doorjamb, glove box, fuel door or vehicle manufacturer’s manual, which also contains technical specifications relating to your tire, including load carrying capacity, speed

rating and recommended inflation pressures. For maximum safety and performance, follow these recommendations carefully.

If you don’t have this information handy, consult a tire professional to have all your questions answered, and check out the three-step tire guide from Cooper Tires, which can help you narrow down the choices by car/minivan, SUV/CUV or truck. You can find this guide at us.coopertire.com.

Other Considerations There are many factors to consider when selecting tires to fit your needs, including: • Do you need dedicated winter tires, dedicated summer tires or all-season tires? Think about where you travel over the course of the year.

• Do you have a long commute or take long road trips? Consider expected mileage, ride comfort, fuel efficiency and if the tires are quiet.

• Do you have a sports car or do a lot of spirited driving? You may need tires that focus on handling and are developed for high-performance cars.

• Do you drive in rain? Consider the tires’ wet

50+ LifeStyles Spring 2018 Metro Edition • www.50PlusNY.com

braking distance.

• If you spend a significant amount of time on mud tackling adventures, dedicated off-road tires may be your best bet.

At the Store Be sure to ask what services are included in the quoted price. And remember, if your selected tires are not immediately available, you can often have them ordered. It may be helpful to call ahead if you know what you need. To find a retailer near you, visit us.coopertire.com/find-astore.

Final Thoughts Not all tire damage that can lead to tire failure is outwardly visible. Used tires, should be considered dangerous. Buy and install only new tires. Whenever possible, replace all tires at the same time. However, if you can only purchase two, the new pair should always be installed on the rear axle.

Your tires are the only parts of your car that connect to the road. Select tires carefully, then maintain and inspect them over time. 50+ - StatePoint

19

CROSSWORDS

(Solution on page 5)

ACROSS 1. Beliefs 5. Morose 8. Incapacitate with electricity 12. Record of sum owed 13. Dutch/Scot saint 14. Boat backs 15. It holds a coffin 16. Delaware has one 18. Tomorrow (Sp.) 20. Old age or high speed 21. NY transport agency (init.)

23. Baltic or Aral 24. Contemplate 28. Fastener 31. Simile words

32. A plus 34. Imperfect clothes mark 35. A short message 37. Surreptitiously 39. A summer concern 41. River-named state 42. Second largest continent 45. Substitute with 49. NYC district 51. Somali-American model 52. Mouse-like rodent 53. Squirrel food growth 54. Helper (abbr.)

55. A loch or a Fed 56. ER staffers 57. Disagree (with “say”)

DOWN

(Solution on page 5)

50+ LifeStyles Spring 2018 Metro Edition • www.50PlusNY.com

1. Missiles 2. Branch of Islam 3. A person’s manner 4. Tie-downs 5. A not very nice farmer?

6. Tooth fairy org.?

7. Go out 8. A verb or store name 9. Pashtun are some 10. Medical-ese for now.

11. Spot 17. It’ll keep your Jagermeister cold 19. Name of an old Mexican skeleton 22. Opposing answers 24. Fire (sl.)

25. Bear (Sp.)

26. Rolls of 7 or 11 27. Mulls over again 29. An address 30. Attempt 33. Wafery 36. Formal requests of presence by computer 38. Shaped by the wind 40. NY State Police div. (init.)

42. Good Morning, Vietnam station 43. Arctic sight 44. Ex-Yankee nickname 46. Pointer Sisters song with “excited” 47. Direction 48. Part of the Golden Rule 50. A seat in a shell