Attention All Baby Boomers Who Love Old School Music Living Near Newark NJ

If you are a baby boomer who loves “Old School” music you don’t want to miss this event. Read the note below I just got in the mail.

The UMDNJ – African American Heritage Committee has tickets for its annual “Evening of Creative Expressions” to be held on Friday, December 7th at The Priory, Newark, NJ at 6 p.m.   Please feel free to share with others and let us know via e-mail if you are interested in attending.  Donations from the event will support scholarships to UMDNJ students and to the Clinton Dozier Scholarship Fund.

I hope you can support this event! We have tickets and can answer your questions.  For information you may email:  Avril Lecky leckyal@umdnj.edu; Winston Watson watsonwi@umdnj.edu or Carl Chase chasecg@umdnj.edu .

Thank you for your support and hoping to see you there.

Also, there will be two artists exhibiting, Derek Dent and Ray Horner.

So, if you want to have a great time and support some worthy scholarship funds please consider attending. Also, if you come please tell them that Baby Boomer Rosie sent ya.

6 Tips to Help Make Cyper-Monday or Any Day a Safer Buying Adventure

Online shopping during the holidays is a convenient, green, inexpensive way to share the joy of the season. Cyber Monday is typically one busiest online spending days of the year. But as you gear up for the holidays don’t forget to take simple precautions to keep your credit card, banking and identity information safe.

ProtectMyID  has a few simply but very important steps to take to protect your identity online this holiday season:

1.   Never Shop on a Public Wi-Fi Connection – Although you may trust the baristas at your local coffee shop, you can’t always trust the person sitting next to you. Hackers can easily tap into Wi-Fi connections at public hot spots to steal your identity information. This can be especially dangerous when you are making purchases with your credit card on unsecured connections. Options: surf at home or set up Internet Tethering between your smartphone and laptop or tablet so that you are always surfing on an encrypted connect.

2.  Monitor Your Accounts – While you are doing a lot of shopping – online and in the store – it is good to keep an eye on your bank and credit card accounts. Match your receipts up to your statement to make sure that they are correct and there are no fraudulent charges. Keep an eye out for small charges, sometimes that is how crooks test to make sure they have a good card. For convenience, set up credit card account alerts that automatically email or text you every time you make a purchase. It makes detecting fraud a snap.

3.   Only Shop on Trusted Websites – Don’t just let the search engine pick the site for you, make sure you are using a trusted and well-known website. Type in the direct web address for the stores you are familiar with, and don’t shop on price alone.

4.   Read the Reviews – When shopping online for gifts this season, read the reviews of the actual seller, if available. While the site may be credited with security, purchasers may have had problems in the past that you want to know about before you buy from them.

5.   Look for Signs Shopping Sites are Protecting Your Data – On the web page where you enter your credit card or other personal information, look for an “s” after http in the Web address of that page and a secured padlock (https://). Encryption is a security measure that scrambles data as it travels through the Internet.

6.   Keep Your Web Browser Updated – The latest versions of the most popular browsers (FireFox, Safari, Internet Explorer) provide another layer of protection with web sites that use Extended Validation (EV) Secure Sockets Layer (SSL) Certificates. The address bar turns green and has both https and the closed padlock. Make sure that when your computer is asking you to update your software you don’t ignore the requests.

Remember, the faster you detect identity theft, the easier it is to clean it up. Always be aware of what is on your credit report and your bank statements, as crooks rely on our lackadaisical attitude to continue their crooked ways.

Eldercare Locator Announces Holiday Campaign to Help Prevent Financial Exploitation of Older Adults

Please help spread the word about this critical campaign against financial elder abuse.

Washington, DC — As financial exploitation targeting older adults continues to become more prevalent in the United States, the national Eldercare Locator announced today that it has launched a campaign to encourage older adults and their families to address this critical issue and to get informed about the warning signs and resources available to help prevent exploitation.  Research shows that as many as 5 million older adults are victims of elder abuse each year and financial exploitation costs seniors an estimated $3 billion annually.

The National Center on Elder Abuse has partnered with the Eldercare Locator to produce a consumer guide that is now available to help inform this discussion.  Click this link to get a copy of the guide.

“Financial exploitation of older adults can take many forms and can come in many guises including telemarketing scams, identity theft, fake check scams, home repair fraud, and even “sweetheart scams” whereby a con artist befriends or romances an isolated lonely older adult to gain control over their finances.  Unfortunately, financial exploitation can  often be committed by a person you know and trust—a friend, caregiver or even a family member, which makes it even more difficult,” said Sandy Markwood, CEO, n4a.

“There are steps older adults and their families can take and resources available to help identify and remedy this serious problem.  To ensure your safety and the safety and security of your finances, it is critical for you to assess your financial situation on a regular basis.  We are seeing more and more financial abuse across the country which is why this holiday season, we hope families will check in with their older relatives to be sure that their finances are in good order and in good hands.”

Signs of Financial Exploitation

There are several signs of financial exploitation for families to look out for, including-

Financial activity that is inconsistent with an older adults past financial history;

Multiple withdrawals within a short time period;

Inconsistent signatures on documents;

Confusion about recent financial arrangements;

New names added to accounts or other changes to key documents that have not been authorized;

A caregiver or beneficiary who refuses to use designated funds for necessary care and treatment of an older adult and

An older adult who feels uncomfortable or even threatened by a caregiver or another individual who is seeking to control their finances.

Families that are concerned about financial exploitation should report the issue to state agencies that deal with protecting the safety and well-being of older adults.  The campaign, which encourages older adults and their families to plan and be cautious, released tips to help prevent financial exploitation, some of which include:

Learn how to avoid fraud and scams 

–Consult with a trusted person before making any large purchases or investments.

–Do not provide personal information (i.e. Social Security number, credit card, ATM PIN number) over the phone unless you placed the call and know with whom you are speaking.

–If you hire someone to help you in your home, ensure that they have been properly screened with criminal background checks completed.  Ask for certifications when appropriate.

–Talk with an attorney about creating a durable power of attorney for asset management; a living will; a revocable, or living, trust; and health care advance directives.

“Financial Exploitation can be prevented if people know the right questions to ask and where to turn for help, said Mary Twomey, Director, National Center on Elder Abuse.  “Although it is a sensitive issue and one that can be difficult to broach, it is critical for families to address it, and there are many useful resources available to guide them through the process.”

About Eldercare Locator

The Eldercare Locator is the first step to finding resources for older adults in any U.S. community and a free national service of the U.S. Administration on Aging (AoA) that is administered by the National Association of Area Agencies on Aging (n4a). Contact the Eldercare Locator at 800.677.1116 or the website Eldercare Locator.

November 2012 marks the 20th Anniversary of the Eldercare Locator, which has received more than 2.3 million calls since it launched in 1992 and assisted millions of older adults and caregivers connect with local aging resources.