Okay, we now have a half-assed plan for allowing very short, very restricted visits. Hooray! Now what about all of our other needs? When will we see our activities return? When will they allow us to interact with one another? When will communal dining resume? Will we have to wait another 6 months?
The DOH thinks, just because they have been so magnanimous in throwing us this very lean bone, they can go back to being their usual complacent selves content to let us wallow in this mire for as long as needed to clear their consciences of past wrongdoings. I know a big steaming pile of anal-retentive crap when I smell it.
By allowing visits, the state has essentially neutralized the only support we (residents) had. Nobody else will put themselves out to get us what we really need. As long as our friends and relatives got their 30 minutes of “guilt” visits and can see for themselves that mom hasn’t shriveled away to nothing and that dad isn’t walking around talking to himself than, as far as they are concerned, everything is just hunky dory. They either don’t know or don’t care that visitations may be the least of what we need. And because we will never make our needs known, they will continue to keep us in limbo, hovering in the twilight between safety and imprisonment.
The governor and his henchman, the NY State Health Commissioner, couldn't care less about our emotional condition. As along as the death toll doesn’t surge into the stratosphere like it did in March and April, it’s okay if we are locked-in and locked down with nothing to do and no place to go. They think old people don’t know the difference. And if they do, they won’t make waves. So they are content to allow the status to remain Quo until somebody says something or brings attention to the injustice they are imposing on the residents of over 500  ALFs in the state.
I have tried, through posts on this blog, Facebook and other social media sites to tell the story of what we are facing here and how the prospects for a speedy change or modification of our present state are dim to none. There is nothing in the pipeline. No evidence that they are even thinking of allowing us the simple rights afforded to practically everyone else in this country. It appears, “With liberty and justice for all’’ extends only as far as the front door of our building……..........................
Seniors are having second thoughts about where to live
By Judith Graham
Teresa Ignacio Gonzalvo and her husband, Jaime, both 68, chose to build a house rather than move into a continuing care retirement community when they relocate from Virginia Beach, Virginia, to Indianapolis later this year to be closer to their daughters.
Having heard about lockdowns around the country because of the coronavirus, Gonzalvo said, "We've realized we're not ready to lose our independence."
plan involves assisted living
A new “playbook” for public health officials shares three ways that federal and other efforts related to the development and distribution of a vaccine against COVID-19 will affect senior living: implementation, prioritization and provision of vaccination services.
The Centers for Disease Control and Prevention on Wednesday released a 57-page “COVID-19 Vaccination Program Interim Playbook for Jurisdiction Operations” to help state and local public health programs plan and operationalize their vaccination responses to COVID-19. The document will be updated with new information as needed, CDC director Robert R. Redfield, M.D., said on a call with members of the media.
The playbook recommends that state and local governments establish implementation committees to “enhance development of plans, reach of activities, and risk/crisis response communication messaging and delivery.” Such groups, the document notes, should include representation from long-term care facilities such as assisted living communities and nursing homes.
because of COVID pandemic
The coronavirus pandemic has spared very few in its impact in 2020. One in four baby boomers say they are delaying retirement due to the uncertainty surrounding their investment portfolio. Entering their final stage of life without a solid financial plan is unnerving for those nearing retirement. Independent financial planning advisor Mike Reeves of Strategic Wealth Designers says building a robust, safe financial plan is imperative to navigate the recession that investors are facing.
“Unfortunately, right now a lot of people are flying a plane without landing gear. Their investments are a hodge-podge of assets accumulated of 20 or 30 years but their really isn’t a sound financial planning strategy in place,” Reeves says. “We see clients all the time who come in with a bunch of statements but they really don’t know if their investments are working together and what kind of safety nets are in place to protect against the huge crash like we saw in early March.”
For one in four baby boomers to feel like they must push off retirement, typically means they haven’t worked with a financial professional or the advice they have been given has not protected their assets in a manner that gives them a peace of mind to be able to retire. Many are concerned that not only are their investments volatile but having a full Social Security benefit will not be available to them either. Reeves says build a financial plan that makes Social Security an add-on bonus and not a significant need for everyday life.
Medicare value-based reimbursement
By Jeff Lagasse
Clinicians who were affiliated with health systems had better performance scores and received fewer payment penalties and more payment bonuses under the Medicare merit-based incentive payment system than clinicians not affiliated with health systems, found a team led by Kenton Johnston, an associate professor of health management and policy at Saint Louis University's College for Public Health and Social Justice.
The investigation of the association between health system affiliations of clinicians and their performance scores and payments under Medicare value-based reimbursement was published online in the Journal of the American Medical Association.
Outpatient physicians' payments from Medicare will be increasingly tied to their performance under MIPS, with the authors estimating that payment penalties and bonuses will hit 9% of total Medicare reimbursement by 2022. Maximizing success in MIPS, they found, will require the management, administration and technological infrastructure to report performance measures to the Centers for Medicare and Medicaid Services.
Will They Make Him a One-Term President?
By Jim Newell
When You Move to Another State?
If you plan to move states, can you take your Medicare or Medicaid plans with you? The answer depends on whether you have original Medicare, Medicare Advantage, or Medicaid.
If you have original Medicare (Plans A and B), you can move anywhere in the country and you should still be covered. Medicare is a federal program, run by the federal government, so it doesn’t matter what state you are in as long as your provider accepts Medicare. Your Medigap plan should also continue to cover you in the new state, but your premiums may change when you move. The exception is if you move to Massachusetts, Minnesota, or Wisconsin because those states have their own specific Medigap plans.
Both Medicare Part D (prescription drug coverage) and Medicare Advantage plans have defined service areas, which may or may not cover more than one state. If you have Part D or Medicare Advantage, you will need to determine if your new address falls within the plan’s service area. When you move to a new service area, you have a special enrollment period in which to change plans outside of the annual open enrollment period (which runs October 15th through December 7th). If you tell your current plan before you move, your special enrollment period begins the month before you move and continues for two full months after you move. If you tell your plan after you move, your chance to switch plans begins the month you tell your plan, plus two more full months.
NEXT BLOG TUESDAY SEPT. 22ND 2020
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Social Security recipients are likely to get a 1.3 percent cost of living adjustment (COLA) in 2021, making it the second lowest ever paid, according to The Senior Citizens League (TSCL). “Our forecast is based on CPI data through August, and there is still one more month of consumer price data to come in before we get the official announcement in October," says Mary Johnson, Social Security policy analyst for The Senior Citizens League.
Based on historic trends, there’s only a 5 percent chance that the COLA could rise above 1.3 percent and a 15 percent chance that it could be lower. "Although the inflation rate during May through August suggests the COLA could go up to 1.4 percent, the more recent three - month rate from June through August, and a new downward trend in gasoline prices seem to indicate it will probably be 1.3 percent,” Johnson says.
Should the forecast prove to be correct, this would make the 5th time since 2010 that there will be an extremely low, or even no, annual inflation adjustment. “This is more evidence that our system to adjust benefits for inflation, is broken,” Johnson says.
Under Phase IV, indoor gatherings are limited to 75% capacity and gatherings of 500 people or more will need approval from local public health directors. But all other state-imposed mandates are dropped in favor of voluntary guidelines for masks and social distancing.
State officials indicated they made the decision based on the availability of hospital beds and ventilators.
More than two-thirds of Medicare beneficiaries find their insurance confusing and difficult to understand, according to a recent survey by MedicareAdvantage.com, which also revealed that many don't grasp basic insurance terminology.
The study sample included 1,000 respondents enrolled in Medicare and took place from August 17 to 19. Participants were quizzed about topics ranging from Medicare enrollment and benefits to insurance terms and definitions.
Less than half of the respondents could correctly define deductible or coinsurance. Just over half (52%) could describe what a premium is.
The aging process for humans can really be a sad thing.
As time goes by the human body starts to break down and condition(s) develop.
Unfortunately, it’s a reality that cannot be overcome.
Getting older can be a tough thing to navigate for many people.
The aches and pains are a constant reminder that Father Time is undefeated.
Getting adequate sleep is particularly tough for many senior citizens for a multitude of reasons, not the least of which is side effects from pharmaceutical prescriptions.
Anyone who has looked at a seniors’ medicine cabinet will be quick to point out that the number of prescriptions adds up with age....
As of 2020, 33 states have legalized at least one form of cannabis; its use is spreading across all age ranges of adults. Several studies have shown surprisingly strong uptake by senior citizens across the country, increasing each year. As many as 1 in 20 senior citizens in America are exploring marijuana products. Let's take a look at how they’re using them and why.
Why Is Marijuana Use Increasing?
Cannabis, the plant from which marijuana is refined, may help ease symptoms of some conditions such as chronic pain and insomnia. Acceptance among the general public and some in the medical community has been growing in recent years. Even AARP, one of the most trusted resources for seniors, now supports medicinal use in states where it is legal.
Medical professionals consulted by AARP were optimistic. Peter Grinspoon, MD, a Harvard Medical School professor, explained, “It makes sense to try cannabis when you consider the track record of other medications a lot of older adults take, especially for pain, sleep and anxiety…. Cannabis can be as effective as anything.” Daniel Reingold, CEO of RiverSpring Health in Riverdale, NY, had high praise after a pilot program was completed at this Hebrew Home facility: “The benefits are nothing short of amazing and should be more widely available to residents of long-term care facilities."
Among the categories of professionals that Donald Trump seems intent on obliterating, one is Republican political strategists. The figures who guided his political rise in 2016 have been much diminished, because of criminal indictment (Steve Bannon), criminal prosecution (Roger Stone), incompetence (Brad Parscale), or domestic ruptures (Kellyanne Conway). Trump’s campaign does not have many strategists, nor, it has often seemed, much strategy. At the Republican National Convention, the idea of a second Trump term remained so undefined that the Party did not even offer a formal platform. Asked by the Times’ Peter Baker what he meant to do with a second term, Trump said, “I think it would be very, very, I think we’d have a very, very solid, we would continue what we’re doing, we’d solidify what we’ve done, and we have other things on our plate that we want to get done.” The President has long succeeded by creating an environment of constant chaos; now his campaign seems to be drowning in it.
The professionals who remain at Trump re-election headquarters are, with fewer than sixty days until the election, faced with a challenging set of statistics. For months, Joe Biden has led in national polls by at least seven percentage points. In order to win the Electoral College, Trump would need to beat Biden in about half of six swing states: Michigan, Pennsylvania, Wisconsin, North Carolina, Florida, and Arizona. He trails Biden in all of them, though the margin in North Carolina and Florida is under two per cent. About forty-two per cent of Americans approve of the job he has done as President, a number that has remained fairly constant throughout his Presidency, but fifty-four per cent now disapprove, which puts him behind the ratings of Barack Obama, George W. Bush, Bill Clinton, and Ronald Reagan at similar points in their reëlection campaigns—though well ahead of George H. W. Bush and Jimmy Carter. In other words, Trump looks likely to be either the least popular incumbent to win reëlection in the modern polling era or the most popular one to lose it.
Adaptive clothing is a type of garment that’s available for seniors, the disabled, and other people who are in need of a convenient, easy way to get dressed independently each day.
The purpose of adaptive clothing is to provide simple and straightforward style choices that are comfortable to wear and easy to put on and take off. Adaptive clothing is often made to address certain health-related issues such as for the prevention of pressure sores or clothing that’s not restrictive for Parkinson’s patients.
For seniors and the disabled, getting dressed can sometimes be challenging, and for certain individuals, it’s a task that requires assistance. Adaptive clothing options are designed to offer a clothing solution that makes it possible for seniors and the disabled to get dressed easily with little to no help from caretakers.
Adaptive clothing items are equipped with special features that make them particularly easy to wear. Plus, they’re made to be extremely comfortable! Here are some of the most important defining features of adaptive clothing:
Trump knew Covid-19 was deadlier than the flu before it hit the country but wanted to play down the crisis.Trump is quoted as saying the virus was "deadly stuff" before the first US death was confirmed.Trump indicated that he knew more about the severity of the illness than he had said publicly.Later that month, Trump promised the virus was "very much under control", and that the case count would soon be close to zero. He also publicly implied the flu was more dangerous than Covid-19.Nine days later, after the White House declared the pandemic a national emergency, the president told Woodward: "I wanted to always play it down. I still like playing it down.He said he had wanted to avoid causing public panic."We want to show confidence, we want to show strength." 
“RNC chairwoman says history will vindicate Trump's coronavirus handlingRonna McDaniel defended Trump after revelations that he purposely downplayed the pandemic in the early weeks, saying that the president sought to keep Americans "calm."In an interview with “Meet the Press,” McDaniel maintained that "20/20 vision is, in hindsight, perfect,” and insisted that Trump acted “calm and steady and methodical” as he handled the pandemic, pointing to early steps he took like cancelling travel from China and creating the coronavirus task force.”
NY Eases Restrictions on Visits at Assisted Living Homes
New York is now allowing visitors to see loved ones at assisted living homes that are COVID-free for 14 days, up from 28 days under previous guidance.
Family members and friends of residents at the state’s nursing homes and assisted living homes have been urging the state for months to ease its March 13 ban on most visits. The state’s guidance has allowed visits for medically necessary or end-of life services.
New York announced July 10 that it would begin allowing restricted visits at nursing homes and assisted living facilities that haven’t had a COVID-19 case among residents or staffers for 28 days.
Visits are limited to outdoor areas with weather permitting, though visits of no more than 10 individuals in a well-ventilated space can be allowed in “certain limited circumstances.”
Medicare Coverage Determinations
On September 1, 2020, the Centers for Medicare & Medicaid Services (“CMS”) published a proposed rule that would, for the first time, establish formal criteria to define the “reasonable and necessary” standard for Medicare coverage, and would make Medicare coverage available immediately for medical devices deemed to be breakthrough devices by the Food and Drug Administration (“FDA”). If the proposed rule becomes final, it would be a significant expansion of the scope of Medicare coverage. CMS has solicited comments on several important aspects of the proposal, and interested parties should submit comments to CMS by November 2, 2020.
Defining the “Reasonable and Necessary” Standard for Medicare Coverage
Since its inception in 1965, the Medicare program has covered those items and services deemed to be “reasonable and necessary for the diagnosis or treatment of illness or injury or to improve the functioning of a malformed body member.” However, that phrase was never defined in any statute or regulation; this gave CMS and Medicare Administrative Contractors (“MACs”) wide discretion, but often left health care providers, suppliers, and manufacturers to guess about the availability of Medicare coverage. The proposed rule would not establish a bright-line test for Medicare coverage; instead, it would adopt the criteria currently in the Medicare Program Integrity Manual, which is an interpretive guideline for MACs. While this provides a degree of clarity, CMS and the MACs retain a large measure of discretion. In order to meet the “reasonable and necessary” threshold, an item or service must meet the following three criteria:
Living Providers Closer to Financial Crises
By Tim Regan
The financial burdens of the coronavirus pandemic have squeezed senior living margins for months — but some providers are now openly wondering how much longer they can operate normally without an even greater level of federal support.
The federal government has pledged to offer some support to the private-pay sector, both in the form of additional funding and Covid-19 antigen tests. But as the pressure continues and the pandemic shows no sign of letting up, some providers say it’s not nearly enough, especially during a time when many of their peers fear imminent financial failure.
Morningside Ministries, a San Antonio, Texas-based non-profit provider with two life plan communities, expects to spend between $30,000 and $60,000 per week on Covid-19 testing for residents and staff in the weeks ahead. But that is simply not sustainable in the long-term without some kind of outside assistance, according to Patrick Crump, the organization’s president and CEO.
Associated with Improved Quality of Life
The use of medical cannabis by those over the age of 60 is positively associated with self-reported improvements in subjects’ health-related quality of life (HRQL), according to data published in the journal Clinical Gerontologist.
A team of researchers affiliated with the University of Illinois and the University of Iowa surveyed seniors regarding their use of medical cannabis and self-reported outcome changes over a one-year period.
Investigators reported a “strong positive association” between subjects’ frequency of cannabis use and self-reported improvements in pain, health-care utilization, and overall health-related quality of life. Participants failed to report any statistically significant association between medical cannabis use and adverse events.
By Tew Garry A, Ward Lesley,
What you need to know
Exercise programmes that involve balance and functional exercises are effective at preventing falls in older people living in the community
Yoga provides small to moderate improvement in balance and mobility in this population, but there is lack of evidence on effect of yoga on falls
Health professionals can recommend yoga to older people to promote physical function and mental wellbeing if there are no clinical contraindications, but there is currently insufficient evidence to recommend yoga specifically for preventing falls
Nearly a third of people aged over 65 years and over half of people older than 80 have a fall at least once a year.123 Falls and fall related injuries can be life changing and may result in chronic disability, admission to assisted living, or death. A fall can also precipitate a fear of falling, which may lead to restriction of activity and hence physical deconditioning. This in turn increases the risk of future falls.45
according to one doctor
By Herb Scribner
Dr. Miriam Alexander, with LifeBridge Health, recently told WBAL-TV 11 that October might be the best month for a flu vaccine since the flu strains often last for six months — from October to March.
“The reason for that is the flu shot seems to only work for about six months and we always have quite a lot of flu in our communities in March. We want to make sure people are protected against the flu in March.”
Alexander said there should be increased urgency from Americans to say safe from the flu in 2020 because of the novel coronavirus.
Continue reading >> https://www.deseret.com/u-s-world/2020/9/8/21427086/coronavirus-flu-shot-when-to-get
Mail Voting Bad For GOP
By Sarah Rumpf
House Republican Leader Kevin McCarthy (R-CA) is highly concerned President Donald Trump’s opposition to mail-in voting could hurt both Trump and down-ballot Republicans’ chances for victory during the November elections, according to a new report from Axios.
Axios White House Reporter Alayna Treene interviewed McCarthy last week and discussed Trump’s recent comments criticizing mail-in voting as presenting a high risk for fraud. The White House has sought to distinguish universal voting-by-mail from absentee ballots — which Trump himself has frequently used — and insisted, without evidence, that mail-in voting was plagued by fraud.
Treene traveled with McCarthy to campaign and fundraising stops in Oregon and Utah, and reported that she witnessed McCarthy telling Republicans to “vote by any means necessary” at each stop, clearly not following the president’s messaging on the topic.
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NEXT BLOG MONDAY SEPT. 14TH 2020
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Cognitive empathy, also known as ‘perspective-taking’ is not really what most of us would think of as empathy at all.Cognitive empathy is basically being able to put yourself into someone else’s place, and see their perspective.Effectively, cognitive empathy is ‘empathy by thought’, rather than by feeling.Compassionate Empathy is what we usually understand by empathy: feeling someone’s pain, and taking action to help.Emotional empathy is when you quite literally feel the other person’s emotions alongside them, as if you had ‘caught’ the emotions.Emotional empathy is also known as ‘personal distress’ or ‘emotional contagion’. This is closer to the usual understanding of the word ‘empathy’, but more emotional.
Seniors e-Guides – Questions to Ask SeriesAging in Place and Assistive TechnologyCare Options for Developmentally Disabled SeniorsAn Overview of Senior Resources and ServicesResources for Low to Moderate Income Independent SeniorsWhen Selecting Active Independent Living & Retirement CommunitiesWhen Selecting Assisted Living & Higher Levels of CareWhen Selecting In-Home Care & Companions or Home Health Agency Services
I’m sure there are not too many of us old-timers that can remember a worse spring/summer than this.
Unlike other regions of our country that enjoy summer-like weather all year around, we Northerners must endure frigid, bleak wet and frozen winters just to enjoy only a brief few weeks of mild temperatures, sunny days and soft nights. And we take advantage of this time with a passion rarely seen anywhere else.
Some of the world’s best beaches are in this part of the country. Unfortunately, we can only take full advantage of them for two or three months before the icy winds turn white sand to snow
As a kid, growing up in Brooklyn, places like Coney Island, Rockaway beach and Riis Park were our Malibu, Miami and French Riviera. And, if your folks were fortunate enough to own a car, the list of places to get your feet wet were limitless. All of Long Island (Jones beach and Long Beach) and the magical Jersey Shore were just a short drive away.
There were summers I remember when I went to the beach almost every day, living off of the “cuisine” one could only find at the shore, on the boardwalk.
New York in the 1950s and 60s was a fast-food desert. If you wanted a burger or pizza  you had to go to a restaurant and sit a table. Only at the beach could you walk up to a stand in your bathing suit and get a hamburger, fries or a slice of pizza or a hot dog. Or, if you were adventurous, a dozen Little Neck clams on the half shell.
For us, in NYC, summer started the last Friday in June when school let out and lasted until a day or two after Labor Day. It didn’t matter what the weather was like. When you returned to the classroom, summer was over. Soon it would be back to work and to heavy winter coats, boots, scarves and hats with earflaps.
Forward to 2020. If it weren’t for the weather, it was hardly a summer at all.
Perhaps you were among the select few allowed to sit on a public beach. And it’s not like you didn’t have the time. You didn't have a job to go to which would have given you that extended vacation you always wanted. Of course, you couldn’t go anywhere. They restricted travel, as were most summer activities.
Amusement parks were mostly off-limits, as were movies, museums, libraries and other cultural venues. It seems as if everything we like to do with our well-deserved leisure time has been taken from us. It’s almost like they have made us the object of some cruel celestial joke that’s still being played out with no end in sight.
While summer may be a kid’s favorite season, as an adult, fall has become my favorite time of the year. I love fall, not just for its mild temperatures and crisp, clean air, but for its complexities. Only fall exhibits nature in all its glory. The changing colors, the falling leaves and the cooler weather signals that winter is on its way continuing the cycle of life we have known all of our lives. But this fall, and I expect winter, will be like no other. There is no reason to believe that a miracle will come along and wipe this virus away before next spring. Even if there were a 100% effective vaccine available by November, it would take months to administer it to every person on the globe. Which means the virus will be around for a long time.
Forward to 2020. If it weren’t for the weather, it was hardly a summer at all. Only a truncated version of what we remember as summer
If you were lucky, you were among the select few allowed to sit on a public beach. And it’s not like you didn’t have the time. The chances you had no job to go to would have afforded you that extended vacation you always wanted. Of course, you couldn’t go anywhere. They restricted travel, as were most summer activities.
Amusement parks were mostly off-limits, as were movies, museums, libraries and other cultural venues. It seems as if everything we like to do with our well-deserved leisure time has been taken from us. It’s almost like they have made us the object of some cruel celestial joke that’s still being played out with no end in sight.
We only hope that as human beings, we will have the good sense to realize that the only way to prevent us from having to endure another summer of restrictions, illness and death is to comply with what we know stops the spread of the virus. And that’s listening to the doctors and scientists when they tell us to wash our hands, stay away from crowds and wear a mask.
I’m 75-years-old. I don’t know how many more summers I have left. I don’t want to spend them as a prisoner in my home.
We'll be back Monday (Labor Day) with a virtual bar-b-que……………………………….
 I had my first slice of pizza at a stand at Rockaway beach. I must have been 7 or 8. It only took one bite of the hot, gooey, garlicky concoction and I was hooked.
Before decluttering …I always thought something new would change my life.I thought I deserved things because I worked so hard.I felt like I needed to own certain things to keep up.I thought shopping reduced stress.I spent a bunch of money, time, attention, and energy on my stuff.
After decluttering …
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These days if you are a senior and don’t have a credit card, you’re in trouble.
Unless you want to physically enter a store, market or eatery and follow all the safety procedures and occupancy limits not to mention the very real chance of contracting the virus, the only way to get the goods and services you need is to order by phone or online. And the only way to do that is by using a credit card to pay for those purchases.
Amazon, Walmart, and grocery delivery services all require you to enter your credit card number before you can check out.
I do all of my shopping online using a credit card. I haven’t paid cash for anything since March. And I’m not alone.
“The average credit card holder has at least four cards. On average, each household with a credit card carries $8,398 in credit card debt. Total U.S. consumer debt is at $13.86 trillion. That includes mortgages, auto loans, credit cards and student loans.”[any2010, 
While I could not find figures on what part of that debt is owned by seniors, there is this…
“According to the Survey of Consumer Finances, the percentage of households headed by an adult aged 65 or older with any debt increased from 41.5% in 1992 to 51.9% in 2010 to 60% in 2016.” 
And back in 2010 when that survey was taken, I was one of those seniors who owed money. Lots of it.
When I took ill in 2009 and was institutionalized (hospitals, nursing homes and rehab facilities) my credit was shot to hell.
Not only was I too ill and incapacitated to even care about my credit or finances, Any money I would have used to pay off that debt went to paying uninsured medical expenses like doctors and the $13,000 per month nursing home bills.
When I finally left my last nursing home (there were three all told) and entered the facility I now call home, my entire net worth was less than $1700. And much of that was from a stipend given to all nursing home patients by the state. The chances of paying off any credit card debt and uninsured medical bills were slim to none.
The only silver lining in that cloud was, because I had no money, they allowed me to enter this facility and have most of the room and board subsidized by Medicaid and the rest by my only source of income. Social Security.
But that didn’t help to pay down my debt.
I owed Chase Visa a few hundred dollars and American Express a lot more. I hadn’t paid either for months.
There was close to $10,000 in medical bills that hadn’t been paid and had been turned over for collection.
I knew I had to rectify that situation as soon as possible or I could never have even the bare minimum trappings necessary for today’s lifestyle. TV, Laptop, cell phone, Chinese food delivery.
I would need a credit card and to do that, I would need to get rid of the debt.
At first I thought it could not be done. At least not quickly. But necessity is the mother of invention, and, to use another cliche, “there’s more than one way to skin a cat.” And it all began with a phone call.
For that, you’ll have to wait for Monday………………………………………
 Each nursing home patient is given $50 a month by the State. I received close to $1200 during my nearly two years in nursing homes and rehab recuperating.
“As they age to 100, centenarians are generally healthier than nonsurviving members of their cohort, and a number of individuals who become centenarians reach 100 with no self-reported diseases or functional impairments. About 23% of centenarians reached age 100 with no major chronic disease and approximately the same number had no disability (18%). Over half (55%) reached 100 without cognitive impairment. Disease and functioning trajectories of centenarians differ by sex, education, and marital status.While some centenarians have poor health and functioning upon reaching age 100, others are able to achieve exceptional longevity in relatively good health and without loss of functioning. This study underscores the importance of examining variation in the growing centenarian population.”
“In the first significant announcement from Calico Labs since it was formed, researchers Rochelle Buffenstein, Megan Smith, and J. Graham Ruby have announced that the naked mole rat is a “non-aging mammal.”
Completely bald and with wrinkly skin, the naked mole rat is one of the ugliest creatures around but lives an exceptionally long life for a small mammal. It rarely develops the chronic diseases of aging, such as cancer, and lives 10 times longer than regular rats.The researchers followed the naked mole rats–housed at the Buck Institute–over a three-decade-long study period. They found that these creatures show hardly any signs of aging, such as problems with their metabolism, heart, or bones. Females do not go through menopause and continue to reproduce into their 30s, which is an amazing feat for an animal that lives at least 30 years of age in captivity. Even the cells in their bodies have a remarkable resistance to oxidative damage caused by free radicals. Small rodents the size of the naked mole rat live for no more than six years.”
“Some argue it’s unsafe and irresponsible to provide residents alcohol, while others argue that it’s unkind, unnecessary and belittling to deny residents the pleasures and benefits of a drink.”“The foremost duty of assisted living communities is to keep their residents safe. Alcohol can be dangerous to people of any age who misuse it, but seniors can be vulnerable to problems from alcohol even when they consume only modest amounts. A lot of the negative aspects of alcohol are exaggerated for assisted living residents.· Alcohol affects the aged brain different, causing more pronounced intoxication.· Assisted living residents frequently take medicines that can have unpredictable or dangerous side effects when mixed with alcohol.· Older residents often have mobility problems, and for obvious reasons alcohol could increase the fall risk.· Seniors with memory impairment can also react unpredictably to alcohol. They may become disoriented or confused, or possibly even act or become disruptive.”“A 2012 study published in Research on Aging found that 70% of assisted living residents consume alcohol, which indicates that if even it’s not served at the community, residents will just acquire it other ways (on shopping outings or as gifts).”
“One could argue that if residents are drinking, they should do so a social setting where they are served by the community, such as a weekly happy hour. This allows staff to assure that residents are not abusing alcohol (through the prevention of over-serving), and allows the alcohol consumption to take place in a setting that’s both social and supervised.” 
What’s The Matter With Kids Today?
I don't know what's wrong with these kids today!
Who can understand anything they say?
They a disobedient, disrespectful oafs!
Noisy, crazy, dirty, lazy, loafers!
While we're on the subject:
You can talk and talk till your face is blue!
But they still just do what they want to do!
Why can't they be like we were,
Perfect in every way?
What's the matter with kids today?”
From the Broadway Musical By, By Birdie
Charles Strouse & Lee Adams
I am not one of those Gen-X, Millennial bashing old codgers who hate the young and think the “old days” were better than today.
To be truthful, except because my parents, brother and many of my friends were still alive, the old days sucked.
We drank, smoked, drove gas guzzling soon-to-be rust bucket cars which ruined much of our environment.
We were politically naïve, blindly patriotic and, whether we knew it, overtly racist.
And we rarely questioned authority which, as it turns out, may not have been a bad thing considering what we are witnessing today
There is no doubt in my mind that if this pandemic had happened in the 1940s or 1950s, all of us would wear masks without question. And we would have done it because the president of the U.S.A. told us to, no matter what his political affiliation.
Having just come out of the most devastating war in the history of mankind victorious and with our patriotism at the highest point it’s ever been, would have made going mask-less tantamount to waving a Nazi flag.
Maybe it’s because we had no-nonsense, genuine leaders in Eisenhower and Kennedy. Real heroes who knew how to give orders and take them and could bring two opposing parties together and come up with a compromise for all.
And there were others too who we respected. Our parents, for one and our teachers for the other.
If you brought home, a note from the teacher describing an incident that involved you. Your mom didn’t question the teacher. It was “What have you done now?” followed by the appropriate punishment
For better or worse, things are different now.
We bombard kids today with so much more information, so many opposing views and more peer pressure from social media than ever that knowing the right thing to do is not as clear as it was back when we were teens and young adults.
Our instant and easily available communications in the form of mobile phones and the internet can quickly bring together groups set on being antisocial.
Beach parties, house parties, dorm room parties, raves, crowded bars and festivals are all part of a new alienated behavior by youths who either don’t know or just don’t care about the harm and suffering they cause as a result of their dangerous behavior.
And the stats don’t lie…
More Than 6,600 Coronavirus Cases Have Been Linked to U.S. Colleges 
"As college students and professors decide whether to head back to class, and as universities weigh how and whether to reopen, the coronavirus is already on campus.
A New York Times survey of every public four-year college in the country, as well as every private institution that competes in Division I sports or is a member of an elite group of research universities, revealed at least 6,600 cases tied to about 270 colleges over the course of the pandemic. And the new academic year has not even begun at most schools.
Confirmed coronavirus cases on college campuses
Outbreaks have emerged on Greek Row this summer at the University of Washington, where at least 136 residents were infected, and at Harris-Stowe State University in St. Louis, where administrators were re-evaluating their plans for fall after eight administrative workers tested positive.
The virus has turned up in a science building at Western Carolina, on the football team at Clemson and among employees at the University of Denver.
At Appalachian State in North Carolina, at least 41 construction workers have tested positive while working on campus buildings. The Times has identified at least 14 coronavirus-related deaths at colleges."
And it’s only recently that many colleges and universities have made this unabashed party-going a punishable offense which may cause suspension or expulsion. Much to the dismay of those students who say “That’s why we came to school in the first place” or, “That’s just part of the college experience.”
Yes. We protested with sit-ins and draft card burning and anti-war demonstrations. And yes, there was some violence. But never did our actions put the lives of thousands of individuals in danger.
I don’t like to say it, but I’m beginning to hate these spoiled brats who think they are entitled to infect the planet because they want to parrtayy.
Unfortunately, there’s not much we can do about it.
We can hand out summonses, but we can’t put them in jail because to do so would only exacerbate the situation and spread the virus even farther.
We have gotten ourselves into a very sticky situation. One, I am afraid, will only diminish with the unnecessary deaths of thousands more Americans.
No. We weren’t “perfect in every way.” But we sure weren’t as stupid either………………. .
 source:https://www.nytimes.com/interactive/2020/07/28/us/covid-19-colleges-universities.html as of July 28t
Lean poultry and meatSeafoodEggs, beans, and nuts (preferably unsalted)Whole grainsLow- or non-fat dairy (milk, yogurt, kefir)VegetablesFruits
Prepare meatless entrees (use plant-based options)Use whole wheat pastaTry ancient grains, quinoa, faro, barley, etc.Use lower sodium broth for soupsUse fresh herbs whenever possible
Article 1, Section 8 says that [The Congress shall have the power] to establish Post Offices and Post Roads.
- .... I was born in Brooklyn.
- Louis DeJoy received a Business degree from an “okay” college.
- ........I received a BBA degree from an okay college, too.
- Mr. DeJoy was a CEO of a business. ....Guess what? So was I.
- Like him, I had never worked in a post office and have no clue how the system works.
“In 2016, according to exit polling, Trump beat Hillary Clinton by seven points with voters 65 years old and up. Now polls show him trailing Biden by at least that much with those voters.”
By Julie Halpert
Shelter-in-place orders have hit those who live alone particularly hard.
Afia Ofori-Mensa, 39, has lived alone for 16 years. For nine of those years she taught at Oberlin College in rural Ohio, where she had a limited social network. Last August, she moved to New Jersey to become director of Princeton University’s presidential scholars program — which provides resources to help undergraduates, including those from populations underrepresented in academia, pursue Ph.D.s. She said she was finally hitting her social stride, reconnecting with Oberlin alumni and family members in the area and routinely hopping on the train to attend events in neighboring cities. But then the coronavirus hit and it brought her feelings of isolation into sharp focus.
“The moments that are most difficult are when I think about not knowing when I’ll be able to touch another human being again,” she said. As someone with no pets, no partner — not even a plant — she said she felt profoundly lonely. “Sometimes I feel like I’m disappearing,” she said.
Julianne Holt-Lunstad, a professor of psychology and neuroscience at Brigham Young University who has studied loneliness extensively, says social connection is something we biologically crave. “We’re social beings and our bodies respond when we lack the proximity to others,” she said. So the new normal prompted by Covid-19 “is a difficult kind of situation where we need to try to still remain socially connected while being physically distant,” she said.
could threaten Social Security
By Laura Cassels
With billions of dollars of Social Security benefits flowing into Florida yearly, seniors are concerned about a presidential order to suspend payroll taxes that fund the social program.
Dave Bruns, a spokesman for AARP Florida, said he has taken many calls in the last two days from seniors worried about the long-term viability of Social Security if President Donald Trump suspends payroll taxes for now but then eliminates them, as he has long advocated.
“This is critical for Florida,” Bruns said. “It’s a very serious concern for older people. They know perfectly well what funds Social Security and that cutting the payroll tax is a threat to their livelihood.”
Continue reading >> https://www.floridaphoenix.com/2020/08/11/fl-seniors-fear-trumps-payroll-tax-cut-could-threaten-social-security/
senior citizen protections to Victims of Crime Act
Oklahoma Attorney General Mike Hunter is asking congressional leaders to amend a law to add protections for senior citizens.
On Monday, Hunter sent a letter to congressional leadership, asking them to amend the 1984 Victims of Crime Act to include senior citizens victimized by fraud as eligible for reimbursement by the Crime Victims Fund.
Reimbursements from the fund are usually reserved for victims of violent crime, not financial or white-collar crimes.
Edith’s Bill, or the Edith Shorougian Senior Victims of Fraud Compensation Act, would direct penalties and fines from deferred prosecution and non-prosecution agreements into the Crime Victims Fund, and the money would be used to compensate seniors who are victimized by fraud.
By Michael B. Sauter
One of the reasons that many Americans get up and go to work every day is to put some money away for retirement. While Social Security payments can be a helpful financial foundation in retirement, it is often not enough to cover anything but the most basic expenditures, especially in the uncertain financial times wrought by the coronavirus pandemic.
Based on average annual spending for American seniors and the national average life expectancy at age 65 of 19.4 years, the average American will spend about $987,000 from retirement age on. And those hoping for a more comfortable and financially secure retirement should plan on saving a little more.
Of course, both cost of living and life expectancy vary considerably by state — and so, too, does the cost of retirement. Using the average annual spending of Americans 65 and older — adjusted at the state level for cost of living and life expectancy — 24/7 Wall St. calculated what it will cost to retire comfortably in each state. All data used in the ranking came from the Bureau of Economic Analysis, the Bureau of Labor Statistics, and the Institute for Health Metrics and Evaluation, an independent global health research center at the University of Washington.
Democratic Colleagues About the USPS
House Speaker Nancy Pelosi (D-CA) on Sunday sent a letter to the Democratic Caucus, letting them know she will be calling the House back in session. She also wants the Democrats to hold a PR stunt outside of the post offices in their district.
Below is the letter ...
Dear Democratic Colleague,
The Postal Service is a pillar of our democracy, enshrined in the Constitution and essential for providing critical services: delivering prescriptions, Social Security checks, paychecks, tax returns and absentee ballots to millions of Americans, including in our most remote communities.
Alarmingly, across the nation, we see the devastating effects of the President’s campaign to sabotage the election by manipulating the Postal Service to disenfranchise voters. Postmaster General Louis DeJoy, one of the top Trump mega-donors, has proven a complicit crony as he continues to push forward sweeping new operational changes that degrade postal service, delay the mail, and – according to the Postal Service itself – threaten to deny the ability of eligible Americans to cast their votes through the mail in the upcoming elections in a timely fashion. These delays also threaten the health and economic security of the American people by delaying delivery of life-saving medicines and payments. In 2019, 1.2 billion prescriptions were delivered through the Postal Services, including almost 100 percent from the VA to veterans.
Dealing with Debt | USAGov
Learn about common debt problems, including filing for bankruptcy.
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Commercial passenger Jets.The Russians put a satellite (Sputnik) in orbit.The first Catholic president elected (JFK) and his subsequent assassination. And the murder of the suspected assassin on live TV.U. S. Puts man on the moon.Color TV, Videotape and FM Stereo radio.Push button Telephones.The Vietnam war which took the lives of 50,000 young men and women my age.President Johnson signs the Civil Rights Act.Robert Kennedy assassinated.Martin Luther King assassinated.Watergate.A U.S. President (Nixon) resigns.An actor elected president (Reagan). And another assassination attempt.The Berlin Wall comes down. Germany re-united.The fall of the Soviet Union.The digital age: The Internet, Home computers, CDs, MP3 players, Social Media.Cell phones.The attack on The World Trade Center and Pentagon kills over 3000 (9-11).International terrorism. Increased security.First African American Elected President (Barack Obama)
- A reality TV host elected president (Trump), ruins nation.
- Pandemic kills 160,000 American (and counting).
- First Black/Asian women candidate for Vice President.