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Volume 27, Issue 6
Serving the residents of North Shore Towers since 1995
June 2022
2 • TOWER TIMES • June 2022
NST Bd. Election 2022 MEET THE CANDIDATES Fred Chernow
Stanley Goldsmith
Harry Greenberg
Building Three Jeff Canarick is a businessman and entrepreneur with 40 years of experience as a real estate and finance professional. His background includes being a commercial and residential real estate owner-operator and investor. He has also served on multiple profit and nonprofit boards. A full-time resident since 2017, Canarick has served on numerous committees, including Finance, Long-Term Planning, General Counsel Search, Mortgage, and Marketing. “I’ve noticed things around the property where there was room for improvement,” he said. “There was deferred maintenance, and now I have concerns about the direction that North Shore Towers is going.” Some areas Canarick said he would foContinued on Page 4
Building One Fred Chernow has served on the NST Bd. of Directors since 2013, including five months as President when the incumbent stepped down. During his tenure as Chairman of the Screening Committee, several procedural modifications attracted more diverse and active prospective shareholders. In 2014 as Chairman of Cultural Affairs, he brought the successful 92 Street Y Programs to NST. The program was so popular that he volunteered to do it twice, once at 4:30 pm and again at 7:30 pm. When the pandemic shut down gatherings at the co-op, he developed, with John Virga, a series of programs featuring popular entertainers that were broadcast on Channel 995 for residents to watch in their Continued on Page 4
Building One Stanley J. Goldsmith has been a Shareholder for 14 years, a Board Director for six, and served as Bd. President 2018-2019. As President, he negotiated a solution to the decades-old dispute between NST and the Sponsor concerning the recovery of hundreds of thousands of dollars of maintenance charges for parking spaces. As Chairman of the Country Club Committee, he resurrected the tennis program by making access to the tennis courts available to all residents, modified the basketball court to provide a Pickleball facility, and completed renovations of the outdoor pools. Dr. Goldsmith recently retired as Director of Nuclear Medicine at NY Presbyterian Hospital/Weill Cornell Medical Center. He earned a BA from Columbia College and Continued on Page 4
Building One Harry Greenberg believes that the Bd. of Directors needs a member with fresh ideas coupled with effective and professional leadership skills. His objectives include keeping shareholders well informed, updating the co-op facility, and enhancing community services. Greenberg promises to place shareholders’ interests first and ensure the co-op funds and resources are appropriately allocated. He also pledges to improve community engagement and expand transparency. Greenberg has extensive experience in labor negotiations, business law, personnel litigation, and contracts as an accomplished labor attorney. A current Legal Committee and Country Club Committee member, he is a fullContinued on Page 4
Steven Kirschner
Dan Nachmanoff
Ed Phelan
Cheryl Vollweiler
Building Three Steven Kirschner said he would bring his legal and administrative experience to the North Shore Towers Bd. of Directors. He has served as President of the Russell Gardens (Great Neck) Homeowners Association and was responsible for managing and creating the budget for the association’s facilities, including the pool, tennis courts, and park. He was also elected as trustee and served for 12 years as Mayor of The Village of Russell Gardens, Great Neck. As Mayor, he was responsible for creating and implementing the village budget, negotiating union contracts, and administering the day-to-day operation of the village. A graduate of Brooklyn Technical High School, and the State University at AlbaContinued on Page 4
Building One Dan Nachmanoff is currently serving as interim NST Board President. He has prioritized building consensus and approval from Board members and signed contracts for engineering garage repair, studying various building systems, Local 11 contract to repair building facades, and new vendor leases that had lain dormant. He also managed employee problems and shareholder complaints. Elected to the board in September 2020, Nachmanoff served as the Chairman of the House and Grounds Committee. He also served three terms as Mayor in Great Neck, and six years as Commissioner of Great Necks Parks District, where he oversaw 400 employees and a budget of $20 million. Nachmanoff was also a Nassau Continued on Page 4
Building Two Two-term president Edward Phelan has been a resident of North Shore Towers for eight years. He has served as Board President and vice-president and is currently the Chairman of the Country Club and the former Chairman of the Capital Improvements Committee. Some of his accomplishments as President include: •Initiated Channel 995 presentations during Covid. •Instrumental in the new kitchen in VIP Room renovation. •Stopped the parking area by the pool. •Stopped pond drainage. •Started an ad-hoc mortgage and finance committee. •Initiated the reserve study. •Assisted in the center park project. Continued on Page 5
Building One Cheryl Vollweiler has been an NST shareholder for 18 years. After growing up in West Hempstead and living in Manhattan and Bay Terrace, Vollweiler chose NST’s unique lifestyle because she recognized “the unparalleled benefits to an active professional with a broad range of interests.” She still loves the community but said that much work is needed to restore NST to its “true luster and vitality.” That’s why she said she is running for the Board. “NST is at a critical juncture,” according to Vollweiler. “Significant financial and age-related issues must be addressed promptly and properly to ensure its longterm health and prosperity.” Vollweiler has 30-plus years of experience as an attorney specializing in insurContinued on Page 5
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Jeff Canarick
Jeff Canarick
Continued from Page 3 cus on include the center plaza, boardwalk area by the pool, and the VIP Room. He believes a business plan is needed to make simple lifestyle improvements like dealing with front gate traffic and outdoor poolside shade. Canarick also stressed his concern about overspending and lack of searching for ways “we can tighten our belt and save money.” “We need to make North Shore Towers more user-friendly,” he said. “We haven’t been looking for the simple ways to improve NST.” Canarick concluded, “From my real estate experience, this is the best piece of real estate east of the east river.”
Fred Chernow Continued from Page 3 apartments. Chernow also produces the “Salute to Veterans” tribute each November and has launched Project Outreach in an attempt to reduce the number of empty apartments. Both of the co-op’s real estate brokers are inviting brokers from neighboring communities to come and see what the community has to offer their clients. Special events are also being scheduled where current resi-
dents can invite friends considering selling their homes to visit the co-op and witness the resort living amenities firsthand over wine and cheese or at a BBQ.
Stanley Goldsmith Continued from Page 3 MD from SUNY Downstate Medical Center. He is Board Certified in three medical specialties and was a research associate with Rosalyn Yalow [Nobel Prize, 1977]. He was awarded two Honorary Doctorate Degrees and was a US Army Captain in Germany during the Vietnam era. At Weill Cornell/NY-Presbyterian, Memorial Sloan-Kettering, and the Mt. Sinai Medical Center, he managed capital and operating budgets and recruited and supervised physicians, scientists, nurses, and support personnel. For 12 years at Mt. Sinai, he managed the center’s Capital Equipment and Construction Budgets. Goldsmith was President of a 15,000-member national and international medical and scientific organization, testified at Senate and House Investigation Committees, and has served as a consultant to Federal and State Commissions. He was a Director of the Specialty Board in Nuclear Medicine and editor-in-chief of a monthly medical-scientific journal. He said he is seeking re-election to sta-
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4 • TOWER TIMES • June 2022
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bilize and rebuild the country club dining facility and increase communication between the Board, management, and shareholders. “NST is a fiscally sound and well-managed organization, but the board has not communicated sufficiently with the shareholders and residents,” he said. “I plan to provide regular reports via the in-house channel and more frequent town hall access to the board and management.”
Harry Greenberg Continued from Page 3 time NST Resident and a former NYC Police Detective. He received his BS degree from John Jay College of Criminal Justice, his MSfrom Pace University–Industrial Labor Relations, and his JD from Touro Law School.
Steven Kirschner Continued from Page 3 ny and Brooklyn Law School, Kirschner served as Assistant District Attorney for four years, prosecuting predominantly narcotics and fraud matters immediately following admission to the bar. He has been in private practice for 42 years, specializing in criminal defense and labor law and representing the NYC Sanitation Workers
Union (6,000 members) for 40 years. “My background both as the Mayor/employer and as the representative of employees and my experience in handling complicated financial matters has resulted in my unique acquiring skills that would be valuable as a director of the board,” he said.
Dan Nachmanoff Continued from Page 3 County official during the Suozzi Administration for three years. Born in the Bronx, Nachmanoff attended the Bronx High School of Science, NYU, and NYU Dental school. He practiced dentistry for 40 years in Kew Gardens. A veteran, he spent three years as an oral surgeon at a general hospital in Germany. He has been married to Gloria for almost 65 years, and they raised three children in Great Neck. “I am an experienced leader with decades of service in government, who has built consensus on our board,” Nachmanoff said. I am honest and always apply common sense, who will work to facilitate change and advocate for all the shareholders.
Meet the Candidates Night: Tuesday, May 31st
Holocaust Tribute at Towers The tale of survival was published in his mother’s book, “The Girl in the Green Sweater–A Life in Holocaust’s Shadow.” In it, Krystyna Chiger shared her account of the 14 months she spent with her family in the underground sewers of Lviv, Poland. The book also describes the family’s unlikely savior, Leopold Socha, a Pol-
ish Catholic, and former thief. The green sweater she wore in the sewers was displayed at the U.S. Holocaust Museum in Washington, D.C., and the NST event. “It was a very well-received program and a very moving and unusual story,” said Eva Kessler, who moderated the program. “I felt like it was a privilege to meet them
since there are so few of those survivors left today.” The invocation was given by Rabbi Gordon Yaffe of the Oakdale-Little Neck Jewish Center. The candle lighting ceremony was led by Gloria Beck, who also lit a candle for the victims of the war in Ukraine.
Survivor Irene Greenwald.
Survivor Vera Eden lights a candle.
JACK SCHWARZ PHOTOS
The North Shore Towers community gathered for a Holocaust tribute on Wednesday, May 4th, at Towers on the Green. Guest speaker Dr. Doron Keren told the dramatic story of building three residents Kristine and Mariam Keren, his parents, with the help of a short video documentary.
Dr Doron Keren, son of Holocaust Survivor Krystyna Chiger
Ed Phelan
Grand Central Clean Up BEFORE
AFTER
Cheryl Vollweiler Continued from Page 3 ance coverage, risk assessment, evaluation, management, environmental (including underground storage tanks), premises liability, construction defect, and dispute resolution. Additionally, she prides herself on being a keen listener, communicator, and problem solver, “skills that are necessary to bridge gaps inside and outside the boardroom.” Vollweiler hopes to bring her analytical skills and business acumen to the board “to help restore NST’s competitive edge as a premier community.“ A graduate of Brandeis University and Hofstra University School of Law, she is a 4th generation Hadassah Life Member.
NST residents Sheila Harmon and Monroe Kaufmann have been working through Congressional candidate Josh Lafazan, and Councilperson Linda Lee to help clean-up debris along a one-mile stretch on the north side of the Grand Central Service Road, from Lakeville Road to 267th St. JUDITH SCHWAGER
TOWER TIMES • June 2022 • 5
Continued from Page 3 •Created walking and cart paths. Phelan served in the military as a Ranger and in Delta Force, and attended Duke University and Central Connecticut State University for a BA and MA 6th year degree. He worked as a guidance director and supervisor for the Bristol School System for 25 years. Entering the corporate world, he worked for RJS Associates, specializing as a consultant in architecture construction and engineering, and then became a partner and vice president. His responsibilities included monitoring competitive bids, supervising projects, and construction design. Phelan belongs to the American Institute of Architecture, Engineering Institute of Connecticut and is a Certified Personnel Consultant, CPC. “My experience is a lifetime of service and sacrifice both to my country and community,” Phelan said. “My experience in negotiations, overseeing engineering, and
construction projects is an asset. I will continue to demonstrate sound judgment, fiscal responsibility, full transparency, all with fierce independence. I have only one responsibility, and that is to you, my fellow shareholders. Experience counts.”
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TOWER TIMES • June 2022 • 7
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$61 Million NST Mortgage Refinancing By Richard Levine Capital Improvements Chairman
8 • TOWER TIMES • June 2022
I
n considering the refinancing of the underlying mortgage of a residential cooperative project such as North Shore Towers, board members must consider a number of elements. For purposes of this article, I concentrated on the elements that are unique to NST, although some could apply to other luxury properties located within the New York Metropolitan Area. You might recall that the NST board retained the Engineering firms of Kipcon and Cool Sys to prepare a Reserve Study to help identify the Capital Improvements that must be remediated or replaced over the next few years. The cost and timing of the work area will be addressed in the study. The funds necessary to accomplish the Capital Improvements can be provided from several sources: •A recast of the underlying fee mortgage, currently held by John Hancock Life
and maturing at the end of November 2022, in the approximate sum of $61 million. •Existing Reserve funds. •Excess funds, if any, from current and future cash flow. •A possible special assessment. •Some combination of the above four items. An important early step is the identification of several suitable lenders who can refinance the maturing loan balance and provide additional money under the best available terms and conditions to help cover the required cost of remediation and replacements. These include John Hancock Life and several other similar institutions with a history of lending to large, luxury, cooperative, residential buildings located within the New York Metropolitan Area. NST is a complex and unique property that requires a large staff and constant attention to the many physical components of the structures and its systems. We must never lose sight of our obligation to maintain this property to a standard befitting a luxury residence. Its physical condition can and will influence the marketability of its apartments and will affect unit prices.
Clearly, our objective is to keep NST competitive with current and future luxury cooperatives in our market. The most appropriate lender for NST is a large insurance company, whether it is John Hancock or one of its competitors. Those institutions have the appropriately structured balance sheets to issue large, long-term, fixed-rate loans to support and maintain the insurance policies, annuities, and pension funds that comprise a large part of their products. Over the years, they have developed the expertise and the contacts to originate, service, and maintain a substantial book of these loans. Typically they perform periodic inspections after they close the loan and communicate with the board and the property management during the life of the loan. After all, their book of loans supports their own financial health and their ability to effectively compete against other financial institutions. Supervisory governmental institutions closely regulate the insurance companies, and their book of loans is subject to review by those institutions. Their mission is to maximize the benefits to their policyhold-
ers and stockholders. In considering the amount of loan principal to borrow, the terms of the borrowing, and the necessary conditions that our shareholders can comfortably meet, we should consider the estimates revealed in the Reserve Study, which should be available within the next few weeks. In addition, Cool Sys is preparing a separate study of a problem dealing with negative air pressure inside the three residential towers. That condition must be abated to consider a large-scale program to replace apartment windows and sliding glass doors to the terraces and balconies. This study should be available shortly after receiving the Reserve Study. To date, a seven-person Mortgage Committee designated by NST’s Bd. of Directors has been meeting with several lenders, discussing potential loan terms offered by those institutions. The following are the essential categories that have been the focus of those discussions: •Required closing documentation. •Front-end fees. •Locks on the interest rates and the timContinued on Page 17
RE-ELECT STANLEY J. GOLDSMITH
North Shore Towers Board of Directors NST President 1 year; Board of Directors 3 years; Resident Shareholder 10 years
•Shareholder, 12 years; Board of Directors, 4 years; Past President, BOD. •Chairman: Country Club, Political Action, Community Affairs Committees. •Tennis: Opened Access for all Country Club Members. •Pickle Ball: Sited & Completed Construction of Court. •Parking Space Maintenance Lawsuit Resolved (eliminating legal costs). •VIP Room: Suspended unnecessary, costly expansion; Redesign. •50 years Management & Budget Experience. •Department Director, Leading NY Medical Centers. •Consultant & Advisor, National & International Corporations & Commissions. •Education: Columbia University; State University of New York. •Zoom Q & A Interviews of Political Candidates in recent Democratic Primary.
Leadership, Management & Budget Experience
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VOLLWEILER North Shore Towers Bd. of Directors 2022 COURAGE TO CHANGE! I bring a fresh view to examine the critical issues facing NST with honesty, integrity, and the knowledge that good decisionmaking requires protecting the interests of all shareholders alike. I have the analytical skills and business acumen to help restore NST’s competitive edge as a premiere community and ensure its long-term health and prosperity. I am a keen listener, communicator, and problem solver – skills needed to bridge gaps inside and outside the Boardroom. As the only woman running, I am not afraid to “ask for directions” to ensure that no one/nothing “gets lost”! A vote for me is a vote for strong leadership and change where it is needed.
QUALIFICATIONS
Consistently named as Super Lawyer since 2009
TOWER TIMES • June 2022 • 11
•18 year NST resident •30+ years experience as an attorney specializing in risk assessment/evaluation/ management and dispute resolution •NST Long-Term Planning & Marketing Committee member •Active NST Country Club Member •Extensive leadership and boardroom experience •Hadassah Life Member (4th Generation) •Subscriber and Patron – Jazz at Lincoln Center, New York Philharmonic, Roundabout Theater •B.A., Brandeis University •J.D., Hofstra University School of Law
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ELECT HARRY
GREENBERG Professional Background
harrygnst@gmail.com
•Private Law Practice since 1987 •Previously Asst. Director of Labor Relations and Assistant General Counsel NYC Office of Municipal Relations.
NST Experience
•Full-Time NST Resident •Country Club Committee •Law Firm Search Committee •Management Search Committee
VISION:
•Place Shareholders’ Interests First •Upgraded Facilities •Enhanced Community Services •Improved Communty Engagement •Better Board Collaboration •Short-Term & Long-Term Planning TOWER TIMES • June 2022 • 13
14 • TOWER TIMES • June 2022
Good Golly Miss Molly, We’re Back at the Jolly By Vicki Mazel
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he Women’s Club had a banner day on Wednesday, May 17th. It marked the return of our Spring Luncheon at the Jolly Fisherman Restaurant of Roslyn after a Covid hiatus for the last two years. The restaurant’s main room was filled with members, and even TV producer John Virga was there with his video camera to record the event. He was awarded an honorary membership in the Woman’s Club and is the first male to have this honor. A lovely luncheon was served, ending with Boston cream pie, and the diners heard remarks from Co-Presidents Gloria Beck and Chickie Kaufman. Vicki Mazel introduced the steering committee members by doing rap, and all had a good time. Cinema Club Update The next movie to be reviewed is “Tick, Tick, Boom” on Monday, June 27th at 4:00 p.m.on Channel 995. The Netflix film is a musical about Jonathan Larson, creator of the show “Rent,” and stars Andrew Garfield singing and playing the piano, a surprising
addition to his performing diversity. Taking place in the 1990s, Larson is an aspiring composer living in New York City. “Rent” has changed the face of Broadway musicals forever, and the film is semi-autobiographical. Living in Soho, Larson is approaching his 30th birthday and has been working on his show for several years. Having doubts about its acceptance by Broadway backers and professionals, Larson goes through these difficult times, sharing his doubts with his friends; young Village residents share his desire to do something different. As Larson, Garfield does an outstanding job portraying different elements of Larson’s personality, mainly on the piano and in song. The Netflix film has been described as a “breath of fresh air,” with a top-notch cast for the musical genre. Garfield, an award-winning actor, was nominated for an Oscar for the role. He has previously won Golden Globes and Critics Choice awards for his acting efforts; however, this is the first time he has shown his musical talents. The film also marks the Lin Mazel Miranda’s directorial debut. Netflix asked him to adapt the musical for the screen, and Miranda jumped at
the chance. Miranda and Larson’s careers run in many parallels, and the rock opera is also visually stunning. Garfield shows great versatility from “Spiderman” to “Hacksaw Ridge” and completely immerses himself in the Larson character. Women’s Club reviewers will do a complete analysis of the film. Vicki Mazel and Dr. Nurit Israeli hosts. Don’t miss it. Women’s Club Anniversary It’s Time to Re-Member (Or New Member) This July marks the seventh anniversary of the Women’s Club. Founded by Bobby Gould and Claire Levitan, with an assist from many other enthusiastic women, the club has been nurtured and supported to become its success today. Julie Weissman was the first Vice President, Gloria Beck became the program chairperson early on, and the events were off and running. She introduced speakers, museum trips, entertainment, and special programs to generate the energy that exists even more strongly today. Chickie Kaufman, the membership mentor, has been behind the club’s growth to almost 400 members this year and does an extraordinary service for our community. The tire-
less efforts of the steering committee and the program committee fill the equation of the club’s growth. July is the big month when membership begins for the calendar year, and dues are collected. To attend club functions and programs, you must be a paid-up member, with dues set at $25 for the year. All members in good standing are checked in at the entrance to the venues, and guests are not permitted. To renew your membership or sign up as a new member as of July 1st, give a $25 check made out to North Shore Towers Women’s Club to your concierges with the building representative’s name on the envelope. Include the following information in the envelope: address with apartment number, telephone number, cell phone number (Florida number if applicable), and email address. Building 1: Faith Wolitzer, 4Y. Building 2: Gloria Beck, 17G. Building 3: Chickie Kaufman, 1T (For information, call Chickie at (718) 8198176). A membership card will be made out for you, giving you admissions to programs and special discounts with vendors. Continued on Page 17
Men’s Club: Open Mic a Slam Dunk By Howard Arkin
T
necessary to contribute to the article. Others thought that the article should not have been published at all. Stewart Kampel, a New York Times editor for over 40 years who was seated next to me, found no impropriety in the story being published. I took the occasion to ask him why his former paper seems to have abandoned the coverage of New York’s sports. He agreed with me and told me that The Times’ hard copy local circulation is down to 800,000, but their digital operation, which is both national and worldwide, is the direction that the paper is going. Hershman closed the session with a sports topic. He wanted to know if anyone stayed up late enough to see the Mets come from seven runs behind to defeat the Phillies and if the Mets new manager Buck Showalter might be the reason behind their
success so far this year? A voice from the back of the room shouted out, “Let’s not forget the Yankees,” and the Men’s Club Open Mic meeting ended. Sau Fahti noted author and lecturer returns to the large card room on Thursday, June 9th at 7:30 pm. His topic will be Current International Affairs. Gary Darche and Harold Hershman will lead the Clubs Open Mike Forum in the Coleridge Room at 10:30 am on June 6th, 13th, 20th, and 27th. Men’s Club Bingo is called by Irwin Shanes in the Main Card Room on Saturday, June 25th at 7:30 pm. The outdoor pool is now open, and you can expect to meet and greet the large number of club members who gather there every season. For information on events, call Toby Horowitz at (718) 279-0082 or Jerry Siegel at (347) 235-4513.
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TOWER TIMES • June 2022 • 15
he Men’s Club had its usual great turnout on Monday, May 9th. As is usually the case, the men arrive about 20 minutes before the 10:30 starting time to get a good seat. Gary Darche and Harold Hershman’s topic was the leaked Supreme Court paper, which might lead to the overturning of Roe vs. Wade. Everyone seemed entrenched in their opinions. But most felt that the leaker must have done it thinking that it would aid the Democrats in the fall elections. Even though leaking is not necessarily illegal, I thought the feeling in the room was that it was immoral. The second topic asked is whether President Biden is not doing enough to counter the effects of the Supreme Court decision regarding Roe vs. Wade. The women’s rights group “We Testify” feels that he is doing nothing and should be more vocal. One person, that being me, disagreed strongly. This is a perfect example of why the Democrats are trailing badly in
the polls regarding the 2022 and 2024 elections. Everyone knows President Biden’s views on abortion, and with his low poll numbers, it might be best to let others do the speaking here–which they are. Alas, the next topic was one which is currently affecting all of us, that of course being inflation. Prices are up 6.6 percent so far this year. That is three times the 2 percent rate that the Federal Reserve aims for. Some of us felt that the lack of parts for products, the lockdown in China, and the war in Ukraine were major factors. At this point, none of us, including the pundits on cable TV, have not been able to come up with a solution. Ron Gold might have helped, but I think that he is still in Florida. Many of us are affected by the tremendous rise in the price of gasoline. I can still afford the $4.49 price at the pump, assuming I get there every six weeks, as I do. A late addition to the agenda was the five-page article in The New York Times in which former mayor Ed Koch’s sex life is gone into in great detail. Most of us felt that his homosexuality was pretty much assumed and who cares anyway. Others wondered why 10 years after his death, close friends would find it
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Elder Abuse Awareness June 15th World Elder Abuse Awareness Day By Susan Bartelstone
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hn March of 2011, a 90-year-old man testified before the US Senate Special Committee on Aging at the hearings on elder abuse. He told how his step-son had withheld food and medicine from him and his wife, interfered with their finances, yelled, threatened, and bullied them to the point they were trapped, scared, frustrated prisoners in their own home. And at the end of his testimony, he said, “If it happened to me, it could happen to anyone.” What is so shocking is that the man testifying was veteran actor Mickey Rooney, one of Hollywood’s top stars and still well respected at the time of the hearings. And he was right. The National Center on Elder Abuse Research estimates that as many as two million older Americans are victims of abuse and/or neglect. And many of them are too frail or mentally impaired to speak up for themselves like Mickey Rooney did. Abuse may be perpetrated by relatives, so-called friends, or professional caregivers (particularly if family members aren’t around to oversee the situation). Many victims suffer for years because they’re scared to speak out, don’t want family members to be arrested, or are afraid they’ll be “sent to an institution.” Many are too frail to speak out or mentally impaired. Here are five tips for keeping our older
adults safe: •Vigilance-Prevention. Keep in frequent contact with your older relatives (or older friends and neighbors). Ask questions, listen and take notes. •Be alert for the signs of abuse or neglect. Watch particularly for repeated, unexplained bruises or sores, slovenly, unkempt appearance, bills not getting paid, noticeable weight loss, depression, not taking medication or anything else that strikes you as suspicious. •Take action. Alert (uninvolved) family members who may not be aware of the situation; or report suspected mistreatment to your local adult protective services agency or law enforcement. Most reporting can be done anonymously. •Keep monitoring. Continue to speak out if you continue to see signs of abuse. Even if the situation has been investigated, keep monitoring it because cases often slip through the cracks. •Call 911! If you believe someone is in a life-threatening situation, contact 911 or the local police immediately and have them provide a wellness check. Types of abuse to look for: •Physical abuse: Use of force to threaten or physically injure a vulnerable person. •Emotional abuse: Verbal attacks, threats, rejection, isolation, or belittling acts that cause or could cause mental anguish, pain, or distress. •Sexual abuse: Sexual contact that is forced physically or obtained through trickery or threats, or otherwise coerced
upon a vulnerable person, particularly anyone unable to grant consent. •Financial Exploitation: Theft, fraud, misuse or neglect of authority, and use of undue influence as a lever to gain control over an older person’s money or property. •Neglect: Failure, or refusal, by a caretaker to provide for a vulnerable person’s safety, physical or emotional needs (e.g., denying food or medication, not keeping the person and/or the home clean, etc.). •Abandonment: Outright desertion of a
frail or vulnerable person by a relative or caretaker. •Self-neglect (perhaps due to diminished mental capacity) can lead to selfharm or endangerment. Susan Bartelstone is a nationally-recognized Crime Prevention and Personal Safety Specialist, an award-winning podcaster, and a prolific writer with thousands of articles and posts. She has more than 30 years of experience teaching people how to stay safe
Women’s Club at Jolly Fisherman Continued from Page 15 Towers Restaurant offers a 10 percent discount on a single check of $15 or more. It may be used once daily by Women’s Club members only and is not transferable. Car Wash: Goody will give a $5 discount at NST Car Spa when you present your card. Don’t forget your car! So What’s Coming Up? Calendar Monday, June 27th, 4:00 pm (please note that this program will be repeated after the initial showing). Movie review: “Tick, Tick, Boom,” Channel 995. Wednesday, June 28th, John Kenrick, Louella Parsons, and Hedda Hopper–The Feuding Gossip Columnists, Large Card Room, 7:15 pm. Wednesday, July 13th, Professor James Coll, The Constitution and Technology, Large Card Room. 7:15 pm. Stay tuned for information on the Lunch Bunch, Bingo Night and Supper, and other activities in the works. Only paid up members in good standing will be admitted to these programs. Verse by Vicki: Mask On? Is it time to allay our fears. To unmask and show floppy ears?
Is it time to take masks off, Even if we have a little cough? Our nostrils are forever pinched, Lines on cheeks make us wince. Nows the time or is it later? To stay masked upon the elevator? These things our thoughts invade, While walking through in the arcade. Passing shops make it weirder, Keeping masks on in the movie theater? I guess we do what we can, Haircuts and manicures at Pouran. Do we wear masks just for show, While we shop at Mister Oh? Need money - you know the place, Muffled mask voice while at Chase, One things worth a solid guess, You can’t mask up at the DDS. And here’s another thing to do, A no-brainer, think it through. An easy guess - sure no toughy, No mask while eating at Buffy’s!
$61 Million Mortgage Refinancing will remain very attractive to experienced lenders. This will place us in an excellent position in our negotiation to receive favorable terms. Some have expressed concern that we are in the midst of a rising interest rate cycle. While that certainly has been true for the last year, some historically significant indicators such as the forward interest curve show an inversion tendency that often suggests a recession, usually forcing down interest rates. Presently, the difference between the 10-year Treasury and the 15-year is not significant, suggesting that rates may be firming. Of course, with so many unpredictable events currently on the world stage, interest rate predictions are even more uncertain than during a period
of relative tranquility. With respect to locking in an interest rate on the mortgage loan replacement, the earliest that this would be possible to avoid a prepayment penalty would be September 2022. During the next several weeks, we should understand our financial needs for Capital Improvements. The board can then select the sources and uses of funds for the Capital Improvement program. Be assured that your board is ever mindful of the need to be prudent on both the expenditure side and the raising of the necessary funds. All Capital Improvement expenditures will be undertaken on a priority basis, emphasizing mandated requirements, concern for the safety, quality of life, and safety of our residents. At the
same time, we want to protect your investment in our property by quality property maintenance while keeping in mind that higher monthly maintenance bills could have an adverse effect on property values. It is the board’s intention to keep you apprised of the progress we make in planning and accomplishing Capital Improvements and the refinancing. Remember the ancient Chinese proverb, “Every great journey begins with the first step.” During the last 11 months, your board has undertaken a number of steps on the journey toward making a number of needed Capital Improvements. Thank you for your patience. We look forward to the various projects as they reach fruition.
TOWER TIMES • June 2022 • 17
Continued from Page 8 ing of those locks. •Available term of the loan. •Amortization of Loan Principal. •Possible future Principal Increases. •Recording Tax. •Computation of Loan Rate. •Maintaining the Loan on the lender’s books versus selling the loan. The Reserve Study draft, due at the end of May, should be revelatory in guiding the board to establish the principal amount needed in refinancing the maturing mortgage in an amount and at terms that best meet our community’s needs. We are fortunate that even a relatively large increase in loan principal would still result in a low loan to property value ratio, so our loan
18 • TOWER TIMES • June 2022
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