How to avoid fraudsters when you are in financial distress

Photo: RDNE Stock/PEXELS

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StatePoint - Although fraudsters will prey on anyone, many tactics specifically target those facing financial hardship in the wake of a natural disaster.

To help you avoid becoming a victim when you’re most vulnerable, Freddie Mac is providing these tips and insights:

Watch Out for Common Disaster-Related Scams

As the intensity of severe weather events increases, understanding common disaster-related scams can help you avoid them. These include:

High-Interest Loans for Repairs: In this scam, someone may offer to loan you money for home repairs, often at a high interest rate, while you wait for your insurance money. In return, they ask for a post-dated check, your auto title or your tax refund. Although this may provide short-term relief, it’s an example of predatory lending because the high interest rates could end up costing you more in the long term. Read any contract before signing it, and make sure you understand the total cost of the loan, including its terms and fees.

Repair Contractor Prepayment: In this scam, your home repair contractor may ask you to sign a “direction to pay form” that allows your insurance company to pay the contractor directly, even before the repair work is completed. This can leave you vulnerable to incomplete or poor quality work. To avoid this scam, read your contract carefully and do not authorize the full payment amount until you are satisfied with the final product.

Requests for Financial Information: In this scam, a person claiming to be a government employee or disaster relief professional may request financial information, saying they need it to help you recover from a crisis. Protect yourself by never giving anyone your personally identifiable information by phone, email, text or in person without confirming their identity. For example, ask for identification and independently call the entity the person claims to work for.

If You’re Struggling to Pay Your Mortgage, Beware of Fraudsters

If you’re struggling to pay your mortgage after a natural disaster or due to other circumstances and you are facing foreclosure, be on the lookout for two common types of fraud.

Foreclosure Rescue Fraud: In such a scheme, someone may falsely promise to be able to save your home from foreclosure. The fraudster will commonly:

• Require you to sign the title to your home over to them.
• Ask you to sign unfamiliar documents.
• Ask you to share personal information.
• Charge you rent to stay in your home.
• Offer to pay your delinquent mortgage by purchasing your home.
• Promise that you can repurchase your home when your financial situation improves.

Fraudsters orchestrating these schemes pose as professionals and promise to stop foreclosure, often at a high price. However, they don’t deliver on their promises. As a result, you could lose the title to your home and be at risk of foreclosure.

Loan Modification Scams: Loan modification scams may operate similarly to foreclosure rescue fraud. In these scams, fraudsters collect an upfront fee and promise to work with your loan servicer on your behalf. They claim that they can obtain a loan modification that reduces your payments.

If someone other than your loan servicer (the company listed on your mortgage statement) offers you mortgage assistance, don’t provide your information.

If you are struggling with your mortgage payment, contact your lender, a certified HUD housing counselor or a housing finance agency. These trustworthy resources can present you with real options to help avoid foreclosure.

Unfortunately, fraudsters have made it their business to prey on pain. With the right knowledge, you can help ensure that no one takes advantage of you when you’re down on your luck.

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Low-level Laser Therapy: A safer alternative to weight-loss drugs

Stress-free Thanksgiving tips for those short on time this holiday season

StatePoint - While gathering for Thanksgiving is intended to be a joyous occasion, everyone who has hosted the feast knows it can also come with a lot of stress, and expenses.

The good news is that whether you’re a Gen Z-er hosting your first Friendsgiving on a budget or you’re a busy family preparing for guests, there is a lot to be thankful for this year.

That’s because this holiday season, Sam’s Club’s private brand Member’s Mark is unveiling an innovative pre-cooked Thanksgiving meal that is ready to serve in under two hours, priced under $100 for up to 10 people and available to be delivered. Crafted with mindfully made premium ingredients, the meal offers convenience without compromising quality, ensuring a stress-free, memorable and delicious Thanksgiving. Here are the traditional Thanksgiving favorites that the meal includes:

• Member’s Mark Smoked Turkey

• Member’s Mark Yukon Gold Mashed Potatoes

• Member’s Mark Pumpkin Pie

• Member’s Mark Sweet Potato Mash

• Member’s Mark Brussels Sprouts

• Member’s Mark Yeast Dinner Rolls

• Member’s Mark Macaroni and Cheese

• Member’s Mark Cranberry Crunch Salad

Along with purchasing a convenient Thanksgiving meal, here are a few additional ways to eliminate stress around holiday prep:

1. Start Early: Get your shopping and other hosting tasks done in advance. For example, don’t wait until Thanksgiving Day to tidy up your home. Doing a deep clean in advance can help ensure your kitchen is organized and ready for the big day, and that guests feel comfortable and welcomed. Set the table and do any decorating you have planned the evening beforehand.

2. Save on Festive Flair: You can further reduce costs by going DIY with items like centerpieces and seasonal wreaths, or by shopping with retailers offering great value, such as Sam’s Club, which provides solutions for flowers, décor, wine and other hosting essentials.

3. Rely on Friends and Family: Even if you have the main meal covered, it’s still nice to get a little help from guests, who will likely ask if they can bring something. Don’t be shy about asking them to contribute an appetizer or beverage.

For more information on the Member’s Mark Holiday Meal, visit samsclub.com.

By eliminating holiday hassles, you can focus on what really matters, giving thanks and spending time with the people you care about.

Scenic Kentucky, perfect for a quick fall getaway trip

Photo: Rafik Wahba/Unsplash

No visit to Kentucky is complete without a stop at the Cumberland Falls. It is the second largest waterfall east of the Rocky Mountains. Sometimes called the Little Niagra, the first recorded landowners of the falls were Matthew Walton and Adam Shepard in 1800. Today, the waterfall and land around it is located in the Cumberland Falls State Resort Park and managed by the Office of Kentucky Nature Preserves.

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StatePoint Media - Anyone who loves fall weather should make plans to come to Kentucky. When October and November roll around in the Bluegrass State, native Kentuckians and visitors alike have their eyes on the tree line, waiting for the first hints of autumn colors. And while the anticipation might seem almost too much to bear, the breathtaking sight of fall foliage in Kentucky is so worth the wait.

If the leaves are turning, no matter where a traveler happens to be in the Commonwealth, they are in for a veritable fireworks show of vibrant fall colors. There are so many ways to get an amazing view of the foliage, from nature trails for those who like hiking to country roads for those who enjoy nature from the inside of the car.

The Old Frankfort Pike is a National Scenic Byway that runs through Woodford County in central Kentucky and passes by some of the most charming and beautiful landscapes in the entire country. The pike is 15 miles long, including a two-mile stretch of road that features centuries-old limestone fences, pastures, barns and a tunnel-like oak tree canopy on either side of the road. Those lucky enough to drive it during the fall experience a view that’s truly special.

Sixty miles southeast of Lexington is a nature lover’s paradise, the Daniel Boone National Forest. Driving any one of the state routes that passes through the preserve would satisfy most leaf peepers. However, for those who insist on getting out of the car and into the woods, hiking the trails in and around Slade will provide all the leaf colors desired, not to mention jaw-dropping views of Red River Gorge, Natural Bridge and Chimney Top Trail.

To find colors and educational opportunities, head to the Bernheim Forest and Arboretum, located just outside Clermont. Not only does it contain 16,137 acres worth of arboretum, forest and nature preserve, but it has nature and science programming, dozens of folk art installations and playgrounds for children of all ages.

Pushing to the western part of the state, don’t miss out on the Woodlands Trace Scenic Byway. This road starts at Grand Rivers and takes travelers through the Land Between the Lakes National Recreation Area and into Tennessee. Along the way, sightseers will be surrounded by all the autumn splendor Kentucky has to offer.

Beyond fall foliage, Kentucky is the place to be for autumn fun -- from haunted mansions and ghost walks to u-pick offerings at farms all across the state. For more information visit www.kentuckytourism.com.

The Bluegrass State has amazing things to do and see regardless of the time of year, but Kentucky in the fall is hard to beat.

Struggling to pay your rent? A couple tips to keep the roof over your head

Approaching your property manager can be intimidating. Before your conversation, consider seeking advice from a HUD-certified housing counselor or your local tenant union.

Photo: Sam Jotham Sutharson/PEXELS

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StatePoint Media - Upfront and ongoing renting costs can put financial stress on any monthly budget. But whether you are experiencing financial hardship or just need a little extra help to make ends meet, you may have options by working with your property manager.

If you’re struggling to meet either of the two largest financial responsibilities of your lease — your security deposit or rent — here’s what you can do, according to Freddie Mac:

Alternative Security Deposits

The upfront cost of a security deposit can be a challenge for some renters. However, some property managers offer alternatives that decrease the amount due at signing. Common options include:

• Recoupment: You agree to pay the property manager for any damages up to a pre-approved amount. If you fail to pay for damages at move out, a deposit company will bill you the amount owed.
• Insurance: You pay monthly premiums for an insurance policy, up to a certain limit, to cover any damages you cause.
• Installments: Rather than paying the full deposit at move-in, you’ll pay in smaller installments, typically monthly.

It’s important to know the different implications of each option. While these alternatives may seem attractive at lease signing, the cumulative out-of-pocket costs may be more than the amount of the traditional security deposit in the long run. Furthermore, depending on the option you choose, you may also still be liable for costs associated with damages to your unit. Make sure your agreed-upon terms are documented and that you fully understand them.

Rent Flexibility

Talk to your property manager about the flexibility they can provide on your rent payments. There are several common arrangements that they may be willing to offer you, which include:

• Personalizing your payment dates: Most rent payments are due on the first of the month, and many properties typically offer a grace period. However, depending on your pay day, this timing still may not be ideal. Speak to your property manager about changing your payment due date to better align with your pay cycle.
• Paying in installments: You may find it difficult to cover your full monthly rent in one payment. If this is the case, your property manager may be willing to work out an alternative schedule that allows you to make multiple smaller payments throughout the month.
• Receiving a waiver for late fees or penalties: Late fees and penalties are intended to discourage repeated late payments — but sometimes, unexpected things happen. If you’re facing a temporary setback but are otherwise in good standing with your property manager, you may be able to negotiate a one-time exception for late fees or penalties.

Navigating the Conversation

Approaching your property manager can be intimidating. Before your conversation, consider seeking advice from a HUD-certified housing counselor to help you understand your rights and options, and to prepare any relevant information you may need. As you negotiate with your property manager, keep written documentation of any agreements made. And of course, keep the lines of communication open so that both parties are holding up their end of the agreement.

If you need assistance, reach out to a Renter Resource Organization, which can provide financial planning advice, educate you on your rights and responsibilities as a renter, offer mediation in landlord-tenant disputes, provide legal advice and more. Visit myhome.freddiemac.com/rros to find an organization servicing your region or call Freddie Mac’s Renter Helpline at 800-404-3097 to speak to a HUD-certified housing counselor.

If you’re struggling as a renter, actively communicating by asking questions or asking for assistance can relieve financial pressure and help you avoid eviction.

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Firearm safety begins at home

Photo: Joachim Hillsund/Pixabay

StatePoint Media - Firearm violence has become the leading killer of children and young adults under 24, surpassing deaths from vehicle collisions since 2017. And while daily headlines emphasize news of mass shootings, most firearms-related deaths and injuries are preventable and occur in a familiar place -- at home.

The American Academy of Pediatrics (AAP) is not only calling attention to the sobering statistics, but is also offering tools for families, communities and governmental entities to help prevent gun violence. Parents can learn more at HealthyChildren.org.

Approximately 40% of U.S. households with children have firearms, of which 15% stored at least one firearm loaded and unlocked, the storage method with the highest risk.

“Firearms are pervasive in America, but we do have reason for hope,” said Dr. Lois K. Lee, a pediatric emergency medicine physician who specializes in injury prevention. “Research has revealed effective ways to prevent or reduce the risks of harm, just as our country did to improve motor vehicle safety. This is a public health epidemic that we can do something about, through a combination of regulation, legislation, education and individual steps like securely storing firearms in the home.”

Pediatric practitioners are encouraged to counsel families, offer mental health screenings and promote secure firearm storage as part of routine visits. As with other consumer products, the AAP supports regulating firearms for safety and notes that national requirements could be established for safe storage, training, licensing, insurance coverage and registration.

State extreme risk protection order laws, also known as “red flag laws,” which prohibit individuals at risk of harming themselves or others from purchasing or owning a firearm by a court order, are also becoming more common.

Evidence shows that the risk of injury or death is greatly reduced when firearms are securely stored, unloaded and locked, with the ammunition locked in a separate place that youth can’t access.

Unfortunately, 40% of U.S. households with children have firearms, of which 15% are stored in the least secure way. One study demonstrated that if 20% of parents who currently store their firearms unlocked instead stored their firearms and ammunition locked away separately, there would be an estimated decrease of up to 122 pediatric firearm-related fatalities and 201 injuries annually nationwide.

Because having firearms at home substantially increases the risk of suicide, homicide and unintentional shootings, the AAP also suggests that families consider storing firearms outside the home completely.

“Even when they’ve been trained not to touch firearms, we know that young children are curious and will often pick up a firearm–and even pull the trigger–if they find it,” Dr. Lee said. “Make sure, wherever your child is going this summer for playdates and vacation–including the homes of relatives–that you ask about how firearms are secured in the home.

“You can frame this as a safety conversation and talk about food allergies and car seats, and then ask about how firearms are stored. But also think about other options if you have concerns–perhaps offer to meet at a park or museum, or invite their child over to your home to play.”

Between 2015 and 2022, there were at least 2,802 unintentional shootings by children age 17 and younger. These resulted in 1,083 deaths and 1,815 nonfatal firearm injuries, nearly all among other kids. And at least 895 preschoolers and toddlers found a firearm and unintentionally shot themselves or someone else during this time.

“Ultimately, we will need a multipronged approach to substantially decrease firearm injuries and deaths among U.S. youth,” Dr. Lee said. “This is a public health epidemic that requires urgent, deliberative action. We must do better–our children deserve it.”

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A few things that families with college-bound students should know

If you are going to college this fall, now is a good time to have your parents teach you financial skills like budgeting and bill paying. Learn now will make life on campus away from home much easier.

JeffStateCollege/Pixabay

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StatePoint - Perhaps even more nerve-wracking than waiting for your child’s college acceptance letters is learning whether they’ve been awarded financial aid. Recent changes to the Free Application for Federal Student Aid (FAFSA) designed to simplify the process have led to unforeseen hiccups and technical glitches, causing academic institutions to delay sending out financial aid award letters. However, once you finally get the results, it can give your family a better idea of what to do next.

“Our research shows that for a majority of parents, figuring out how to pay for college was the ‘road to college’ activity that caused them the most stress. By making a financial plan and prioritizing it, you can be well prepared to avoid the most common bumps in the road,” explains Angela Colatriano, chief marketing officer, College Ave.

Colatriano recommends using the spring to teach your child these valuable financial skills: how to set up a budget, how to pay bills and how to manage credit. If your family will potentially be borrowing to finance college, students should also gain an understanding of how loans work, and how the different terms of the loan will affect their monthly payments and overall loan cost.

Speaking of budget, you should set a realistic budget for yourself. A recent College Ave survey found that in addition to helping pay for tuition and housing costs, parents also contribute to their child’s phone bill (65%), health insurance (61%), food and groceries (42%), cable and internet bill (35%) and transportation (32%). Be realistic about which expenses you can afford and where you want to ask your child to chip in.

Decode Award Letters

Financial aid award letters can look different for each school. Familiarize yourself with their components so that when they arrive, you’ll be ready to decipher them. Here’s what to look for:

1. Free money: The award letter will list whether your student is eligible for scholarships and grants (sometimes called Merit or Gift Aid). This is money you typically don’t need to pay back.

2. Federal Work-Study: Your child might be eligible for Federal Work-Study jobs. While jobs aren’t guaranteed, they can be a good opportunity to help cover educational expenses.

3. Student Loans: Schools will list any federal loans your child is eligible to receive. Helpful hint: They may be grouped with scholarships and grants. You should also note whether the loan is subsidized or unsubsidized. Because unsubsidized loans accrue interest while your student is enrolled and during deferment periods, this will affect the overall loan cost.

4. Other factors: Check if awards being offered are for all four years and understand what your child will need to do to continue being eligible for them, year-to-year.

To get an apples-to-apples look at the offers, calculate the net direct cost of each school by subtracting offered scholarships and grants from the cost of attendance (tuition, room, board, textbooks and fees). If applicable, you can subtract work-study aid too. You should also factor in expected increases in tuition, room, board and other fees.

Fill in the Gaps

If after doing the math, you find you have a financial gap to cover, look into private scholarships. One easy one to enter on a monthly basis is College Ave’s $1,000 Scholarship Monthly Sweepstakes.

You may also want to consider a private student loan or parent loan. Look for a lender with great rates, flexible repayment terms, and the opportunity to customize the loan to fit your budget. For example, College Ave offers student loan calculators, a pre-qualification tool that offers quick answers without affecting your credit score, and other helpful tools and resources. To learn more, visit CollegeAve.com.

“The important thing is not to panic. If you filled out the FAFSA, financial aid award letters are on the way. And once you receive them, you and your student can get to the fun part of planning for the future,” says Colatriano.

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Here's a few reasons why you should avoid DIY dental trends

StatePoint - DIY activities, like swapping a lighting fixture or painting your living room, are popular ways to accomplish your to-do list. But as anyone who has tackled too big of a project knows, some jobs are best left to the professionals. That includes your dental health.

Photo: Gustavo Fring/PEXELS

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You may have already seen DIY dentistry products, such as at-home whitening kits, mouthguards or teeth aligners. These often guarantee fast, easy ways to solve your oral health issues without the involvement of a dentist or an orthodontist (a dentist who specializes in the bite and alignment of your teeth).

“Dental products are never one-size-fits-all,” said American Dental Association (ADA) president, Linda Edgar, D.D.S. “No two mouths are alike, which is why it’s important to work directly with an ADA dentist or orthodontist to determine the precise care that your body needs.”

Skipping the dentist chair and “fixing” your teeth at home can lead to bigger, sometimes irreversible problems. For some people with more complex dental health needs, using an at-home aligner may cause bone loss, lost teeth, receding gums, bite problems, jaw pain and other damaging and permanent issues. You might also not be aware of other dental issues that should be addressed before you start moving teeth.

“Patients are understandably drawn to these DIY treatments because they might struggle to fit a dentist appointment into their schedule or they assume at-home care will cost less,” Dr. Edgar said. “But when these products cause major issues, patients end up spending more time and more money trying to reverse that damage. Instead, trained ADA dentists and orthodontists can talk through patients’ budget concerns and offer them a wider variety of dependable, approved treatment options.”

In between dental checkups, look for products with the ADA Seal of Acceptance. These have been independently evaluated by experts and recognized to be both safe and effective. When you choose one of these options, you can be assured that your care is backed by evidence-based research and generations of scientific knowledge.

Whether it’s teeth grinding or a toothache, talk to your dentist before trying to solve your dental problems on your own. A dentist can help you find a personalized treatment plan that’s right for you, monitor your progress and make recommendations on how to manage your oral health outside of the office.

To look for an ADA dentist in your area, visit findadentist.ada.org.

“The ADA’s primary concerns with DIY dentistry are, and always have been, patient safety and quality care,” Dr. Edgar said. “Our job as dentists is to put patient health first.”

Cut costs, not your connection: How to get home internet for less

Photo: Andrea Piacquadio/PEXELS

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StatePoint - If you’re struggling with access to reliable and affordable wireless home internet, you’re not alone. In fact, more than 20% of Americans living in rural areas and nearly 30% of Americans living in Tribal lands lack internet access, compared to only 1.5% of those living in urban areas. To make matters worse, the average American shells out about $75 each month for internet service, with over a third saying that cost is one of the biggest hurdles in getting their hands on home internet.

As internet usage increases, the United States faces even more of a nationwide digital divide, but federal government agencies are stepping in to help bridge the gap. In December 2021, the FCC launched a $14 billion initiative to provide people across the United States with affordable internet access through the Affordable Connectivity Program (ACP). Eligible participants can receive up to a $30 discount per month on fixed or wireless internet access, or up to $75 per month on Tribal lands.

So far, the program has provided discounted internet service to more than 20 million households across the country. Here’s how it works:

• Find out if you qualify through your household income and participation in government assisted programs by visiting fcc.gov/acp.

• If you qualify, apply for discounted service by visiting getinternet.gov/apply. If you’re unable to apply online, print the application or call (877) 384-2575 to have one mailed to your home address.

• Once approved, select an internet provider. Metro by T-Mobile is one provider helping bring awareness to the program. In fact, a recent study found that half of eligible households are unaware of the program’s existence or didn’t know anything about it. Metro is out to change that, offering 5G home internet for just $20 a month with Autopay for qualifying ACP households. It’s easy to sign up with no contracts, credit checks or hidden fees. New customers can visit their nearest Metro store to purchase the internet gateway and a Metro phone line to add home internet to their account. Visit metrobyt-mobile.com/acp to learn more about how Metro is helping to bridge the digital divide.

If you’re not eligible for ACP, there are other ways to save a few dollars when shopping around for home internet.

• Take Advantage of Free Trials: Some internet providers offer free trials or money-back guarantees to test out their internet in your home for a certain timeframe.

• Bundle Services: Check what other services you can bundle to save, like your phone plan, cable television and more.

• Autopay Discounts: Wireless companies often offer discounts for those accounts that sign up for autopay billing.

• Internet Connection Type: The type of internet you purchase matters. Fiber and traditional broadband connected through a cable in the wall tends to be more expensive than 5G wireless internet services that use a wireless connection.

Staying plugged into our increasingly digital world on your terms and budget is totally achievable! Get savvy with your shopping and cash in on initiatives and perks to keep your wallet happy while staying connected.

Major leaps made in Alzheimer's research, three FDA approved treatments slows mental decline

Illustration: StatePoint

StatePoint Media - 2023 was a landmark year for Alzheimer’s disease research, including advancements in treatment, risk factors and diagnosis. Here are five significant discoveries made this year:

There are three new approved treatments for Alzheimer’s, with a fourth on the way

In July, the U.S. Food and Drug Administration (FDA) granted traditional approval for Leqembi for mild cognitive impairment due to Alzheimer’s and mild Alzheimer’s dementia. This treatment slows cognitive decline and can help people with early Alzheimer’s maintain their independence.

In June 2021, the FDA granted accelerated approval to Aduhelm for the same purpose. At the Alzheimer’s Association International Conference (AAIC) in July 2023, Lilly reported positive results for a third similar treatment: donanemab. The company expects FDA action in early 2024.

In May, the FDA approved the first treatment for agitation in people with Alzheimer’s — brexpiprazole.

Hearing aids could slow cognitive decline for at-risk older adults

In the largest clinical trial to investigate whether a hearing loss treatment can reduce risk of cognitive decline, researchers found that older adults with hearing loss cut their cognitive decline in half by using hearing aids for three years.

The intervention included hearing aids, a hearing “toolkit,” and ongoing instruction and counseling. Though the positive results were in a subgroup of the total study population, they are encouraging and merit further investigation.

Blood tests for Alzheimer’s are coming soon.

Blood tests show promise for improving how Alzheimer’s is diagnosed. Advancements reported for the first time at AAIC 2023 demonstrate the simplicity and value to doctors of blood-based markers for Alzheimer’s.

Blood tests are already being implemented in Alzheimer’s drug trials. And they are incorporated into proposed new diagnostic criteria for the disease. Blood tests — once verified and approved by the FDA — would offer a noninvasive and cost-effective option for identifying the disease.

First-ever U.S. county-level Alzheimer’s prevalence estimates

The first-ever county-level estimates of the prevalence of Alzheimer’s dementia — in all 3,142 U.S. counties — were reported at AAIC 2023. For counties with a population of more than 10,000 people age 65 and older, the highest Alzheimer’s prevalence rates are in:

• Miami-Dade County, Fla. (16.6%)

• Baltimore City, Md. (16.6%)

• Bronx County, N.Y. (16.6%)

• Prince George’s County, Md. (16.1%)

• Hinds County, Miss. (15.5%)

Certain characteristics of these counties may explain the higher prevalence, including older age and a higher percentage of Black and Hispanic residents, which are communities disproportionately impacted by Alzheimer’s disease. According to the Alzheimer’s Association, these statistics can help officials determine the burden on the health care system, and pinpoint areas for culturally-sensitive caregiver training.

Chronic constipation is associated with poor cognitive function

Approximately 16% of the world’s population struggles with constipation. This year, researchers reported that less frequent bowel movements were associated with significantly worse cognitive function.

People in the study with bowel movements every three days or more had worse memory and thinking equal to three years of cognitive aging. These results stress the importance of clinicians discussing gut health with their older patients.

To learn more about Alzheimer’s and dementia research, plus available care and support — and to join the cause or make a donation — visit the Alzheimer’s Association at www.alz.org.

While there is still much to learn about Alzheimer’s, 2023 was a year of discovery, giving researchers and families impacted by the disease hope for the year ahead.

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Navigating dementia during the holidays

Holidays can be a wonderful time of year when families get together and catch up on each other’s busy lives. All too often is also the time that you may find that things aren’t quite the same with our aging family members.

Those twenty-minute calls once or twice a month made everything seem a okay with the parents or grandparents. But now, you have noticed the signs and symptoms of dementia are starting to show.

Read more ...

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Making Alzheimer's just a memory: An in-depth look and the work to find a cure

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Living nightmare; moving scams are the worst

Photo: StatePoint

During initial contact with the landlord or a rental company, ask questions about the leasing process. Before signing that new lease, you should read it thoroughly. If something seems off, clarify it beforehand or walkaway from the rental.

StatePoint Media - In difficult economic times, fraudulent housing schemes become more prevalent, impacting homeowners and renters alike. To help you avoid becoming a victim of fraud, Freddie Mac is sharing the following insights and tips about the most common tactics and scams.

Predatory Lending

Previous financial disasters have led to more robust consumer protection laws. Nevertheless, you should remain vigilant about predatory lending. Look for warning signs, such as pressure tactics, incomplete, confusing or contradictory loan terms, and high rates and fees, including penalties for paying your loan off early. Additionally, lenders should not suggest you take out more credit than you need or suggest a monthly loan payment that does not cover the interest due on your loan. It’s important to work with someone you trust. If you’re hesitant to move forward with a lender, consult a HUD-certified housing counselor or lawyer to gain a better understanding of the loan terms.

Foreclosure Rescue Fraud

Fraudsters often target those in distress. During times of financial hardship, be especially aware of foreclosure rescue fraud, where someone falsely promises to be able to save your home from foreclosure. Common elements of this scheme include the fraudster requiring you to sign over the title to your home, asking you to sign unfamiliar documents or share personal information, and charging you rent to stay in your home. They may also offer to pay your delinquent mortgage by purchasing your home with the promise that you can repurchase it when your financial situation improves. If you’re struggling with mortgage payments, don’t deal with unknown entities. Directly contact your loan servicer, a HUD-certified housing counselor or a Housing Finance Agency for legitimate options to help avoid foreclosure.

Fraudulent Leases and Units

Millions of Americans have lost money due to fraudulent rental listings. You can avoid becoming a victim of this scam by always seeing a unit in person or over video conference before renting it, and by never paying a security deposit until you have signed a lease. Be sure to read your lease thoroughly before you sign it, asking questions about any concerning details early in the process. When rental unit hunting, be wary of red flags such as prices that are too good to be true, listings riddled with grammatical errors and property managers asking for personal information before you’ve seen a unit.

Moving Fraud

Typically, moving fraud occurs when scammers who act like legitimate movers provide a low estimate and, once you move, demand a higher price and withhold your belongings until you pay. To avoid this scam, research the company to ensure it is legitimate, insured and has good reviews. You should also know that reputable moving companies never require advance payments or use high-pressure sales tactics.

Report Scams Immediately

If you believe you’ve been a victim of a scam, take the following actions:

• If a criminal has your identification information, call your creditors to cancel your credit cards. Review your transactions to make sure you recognize them. You can also request that creditors receive your written consent before changing your mailing address or sending a replacement credit card. Your creditors may advise additional precautions.

• Contact the credit bureaus to freeze your credit reports so that there’s no activity on your reports unless you approve it.

• Report the scam to one or more of the following entities: the Federal Trade Commission, the Consumer Financial Protection Bureau, HUD’s Office of the Inspector General Hotline, and the U.S. Department of Justice.

To access Freddie Mac’s collection of fraud prevention resources, visit myhome.freddiemac.com.

Whether you’re a prospective homebuyer or seasoned renter, a scam could potentially impact you. Familiarizing yourself with common tactics can help you identify a scam before it’s too late.

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Social isolation among seniors is not only linked to numerous negative health consequences like depression and cardiovascular disease, but it’s also a primary contributing factor in financial exploitation and scams. Estimated to affect one in 10 older adults and cost billions annually, the threat of elder financial fraud is pervasive, and especially so right now.

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Heating things up; five tips to buying the right stove for your kitchen

StatePoint Media - Choosing the right slide-in range, (AKA “stove”) is essential for any home chef, and yours should not only cater to your cooking needs, but also complement your kitchen design. With the holiday season quickly approaching, now might be a good time to buy for delivery and installation after the new year.

“Navigating the many slide-in range options available today can feel daunting. That’s why it’s important to identify your must-have features before making a purchase,” says Peter Weedfald, senior vice president of sales and marketing at Sharp Home Electronics Company of America.

Not sure where to start? This range-purchasing guide offers five important factors to consider:

1. Size. A standard 30-inch slide-in range is a great option for most homes. If you’re looking for more cooking surface however, scale up to a 36-inch model. There are also 24-inch options for compact kitchens. Before making any purchase, measure the space to ensure the unit will fit, and that you can open the door.

2. Cooktop Surface and Fuel Source. There are three main cooktop surfaces to choose from: gas, radiant (electric) and induction. This decision can be influenced by the power source supply in your kitchen. If you have a gas line, you could choose any of the three, as long as there is also electric connectivity. If you don’t, consider a radiant or induction slide-in range. If you love the power from the open flame of a gas cooktop but desire the cooking capabilities of electric ovens, you can narrow your search to dual ovens. Helpful Hint: The cooking power measurement will indicate whether you’re dealing with gas or electricity. Gas ranges use BTUs (British Thermal Units) and electric ranges measure power output in watts.

3. Capacity. The interior capacity is the space within the range’s cavity. This is the oven. Knowing your cooking habits can help guide you in the right direction. While a standard slide-in range often offers enough capacity for an average-sized family, if you’re prone to entertaining crowds, a larger capacity like 6.1 or 6.3 cubic feet may better suit you. If you find yourself often preparing food at two different temperatures and cooking times, a dual oven may be your best bet.

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4. Finish. Whether you’re curating your kitchen piece by piece or all at once, choose an exterior finish that fits your vision. Check out the oven’s interior cavity as well. You can make a statement with an unexpected pop of color here! The Sharp 30-inch Electric Convection Slide-in Range with Air Fry (SSR3065JS) offers a sleek edge-to-edge black glass exterior paired with a cobalt blue interior. If you prefer a more neutral, toned-down feel, keep it classic with a black or gray cavity.

5. Oven Features. When prioritizing features, consider your cooking habits and needs. If counter space is a priority, the Sharp SSG3065JS is a family-size air fryer, so that is one less thing to take up your precious space.

The Sharp SSG3065JS has 34,500 BTUs of cooking power and a variety of cooking modes, including Pizza, Convection Bake/Roast, and Air Fry. The Sharp Slide-In Ranges SSG3065JS and SSR3065JS can help take the guesswork out of cooking meat. Both ranges have built-in precision probe thermometers that automatically turn off the oven when the internal food temperature reaches the programmed setting.

Learn more about slide-in range cooking features and design choices by visiting shop.sharpusa.com/products/ranges.

“When curating your dream kitchen, the ultimate goal is finding a range that looks great in your space and can help you bring your culinary creations to life,” recommends Weedfald.

A few things you might want to know about fentanyl and treatment

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StatePoint Media - The overwhelming majority of opioid overdose deaths are due to illicitly manufactured fentanyl. Here’s what physicians at the American Medical Association (AMA) want you to know as the drug overdose and death epidemic continues to devastate communities nationwide:

• Opioid use disorder (OUD) is a treatable, chronic disease: Two-thirds of U.S. adults say either they or a family member have been addicted to alcohol or drugs, experienced homelessness due to addiction, or experienced a drug overdose leading to an emergency room visit, hospitalization or death, according to a KFF Tracking Poll. “Despite their prevalence, drug use disorders are the most stigmatized health conditions worldwide, impacting treatment and policy, and even individuals’ willingness to seek treatment,” says Bobby Mukkamala, MD, chair of the AMA Substance Use and Pain Care Task Force.

• Prescriptions are down, overdoses are up: The 2022 AMA Overdose Epidemic Report shows a 46.4% decrease in opioid prescribing nationwide in the past decade, in large part due to physician efforts to ensure appropriate prescribing, but also state laws and health insurer and pharmacy policies that deny opioid therapy to patients, even those that need it. Nevertheless, the nation’s drug overdose and death epidemic continues to worsen. According to the Food and Drug Administration (FDA), in the 12-month period that ended in February 2023, more than 105,000 people died from fatal overdoses that were primarily driven by synthetic opioids, like illicit fentanyl.

• Deaths are preventable: Centers for Disease Control and Prevention (CDC) data indicates that nearly 40% of all overdose deaths occur with a bystander present. For this reason, increasing the availability of opioid-related overdose-reversal medications will save lives. Thanks to advocacy from the AMA and other public health leaders, the FDA approved the first-ever over-the-counter naloxone product, and now pharmacies, supermarkets, convenience stores and gas stations are able to sell this safe, effective treatment. The AMA is urging retailers to price the medication responsibly and stock naloxone in prominent places. The AMA continues to urge health insurance companies to cover opioid overdose reversal medications at low- or no-cost.

• Preparation saves lives: Consider having naloxone or another overdose reversal medication on hand in case you witness someone overdosing. If you come across someone slumped over and showing signs of possible overdose, an overdose reversal medication is as easy to use as inserting it into the person’s nose and depressing the plunger. Don’t hesitate -- whether they’ve taken fentanyl or not, there’s no downside to giving naloxone when an overdose is suspected.

• Young people are dying: Among 14-18-year-olds, overdose deaths increased 94% from 2019 to 2020 and 20% from 2020 to 2021, according to the CDC. Physicians urge parents to talk to their children about alcohol, drugs and other substances.

“Making opioid overdose reversal medications widely available in educational settings can save young lives,” says Dr. Mukkamala.

The AMA urges schools and universities to stock the medications and let students know it’s available if necessary.

• Treatment works: Opioid use disorder is a treatable, chronic disease that can help individuals lead long, productive lives.

“Having an opioid use disorder requires medical help just like any other chronic disease,” says Dr. Mukkamala, who advises checking with your primary care provider if you have concerns or questions about how to get help. You also will need to talk with your insurance provider about coverage requirements and restrictions, which continue to be a barrier for many with an OUD.

• Risk can be reduced: If you receive opioid therapy or have an acute injury, talk with your physicians about the expected level of pain and optimal strategies for pain control. Safely and securely store your medications and remove unused and unwanted opioids and other medications from your home.

“We have to be honest that in order to truly reverse the overdose epidemic, much more work will need to be done to reduce stigmas and increase access to life-saving drugs,” says Dr. Mukkamala. “There is a way forward, and it requires a cooperative effort from all of us.”