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Town of Saugus CURBSIDE LEAF PICK-UP
October 23, 2017 (7:00 am)

PUMPKIN PATCH Pumpkin Sale
October 23, 2017 (9:00 am)

CANDIDATES NIGHT sponsored by SAVE
October 23, 2017 (7:00 pm)

Town of Saugus CURBSIDE LEAF PICK-UP
October 24, 2017 (7:00 am)

PUMPKIN PATCH Pumpkin Sale
October 24, 2017 (9:00 am)

Town of Saugus CURBSIDE LEAF PICK-UP
October 25, 2017 (7:00 am)

PUMPKIN PATCH Pumpkin Sale
October 25, 2017 (9:00 am)

STRETCH & STRENGTH EXERCISE CLASS at Saugus Public Library
October 25, 2017 (12:00 pm)

"PRAYING FOR OUR ADULT CHILDREN" SERIES at First Congregational Church UCC
October 25, 2017 (7:00 pm)

Town of Saugus CURBSIDE LEAF PICK-UP
October 26, 2017 (7:00 am)

PUMPKIN PATCH Pumpkin Sale
October 26, 2017 (9:00 am)

FUN WITH 3D PENS & LITTLEBITS TECH KITS at Saugus Public Library
October 26, 2017 (3:00 pm)

JACK THE RIPPER - THE WHITECHAPEL MUSICAL presented by Theatre Company of Saugus
October 26, 2017 (8:00 pm)

PUMPKIN PATCH Pumpkin Sale
October 27, 2017 (9:00 am)

"NIGHTMARE" HAUNTED HOUSE at M.E.G. Building
October 27, 2017 (6:00 pm)

JACK THE RIPPER - THE WHITECHAPEL MUSICAL presented by Theatre Company of Saugus
October 27, 2017 (8:00 pm)

PUMPKIN PATCH Pumpkin Sale
October 28, 2017 (9:00 am)

PIE SOCIAL at First Congregational Church Pumpkin Patch
October 28, 2017 (3:00 pm)

PUMPKIN PATCH Pumpkin Sale
October 29, 2017 (9:00 am)

PUMPKIN PATCH Pumpkin Sale
October 30, 2017 (9:00 am)

View Full Calendar
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Week 41 8 9 10 11 12 13 14
Week 42 15 16 17 18 19 20 21
Week 43 22 23 24 25 26 27 28
Week 44 29 30 31



 
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Saugus Senior Center

466 Central Street, Saugus, MA 01906       (781) 231 - 4178

Fax: (781) 231- 4048 

www.SaugusSeniorCenter.org
                   www.SaugusSC.org 

Joanne Olsen, Director
 
  


Open all year  -  8:00 am to 3:15 pm - Monday through Friday

CENTER CLOSED  -  Columbus Day – Monday, October 9


Newsletter  -  October 2017
click here
 


Activities Calendar  -  October 2017
click here
 


Lunch Menu  -  October 2017
click here
 



TRIPS 2017 & 2018
click here 


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The Senior Center is open to all area citizens age 55+
to visit for FREE

Monday through Friday   8:00 am to 3:15 pm
 


INCLEMENT WEATHER 
when there is inclement weather and the Saugus schools are closed,
the Saugus Senior Center will also be closed.


There is NO fee, NO application, NO registration required to visit the Senior Center.

Many of the events and activities are free to attend, some of them have a small fee.

Visitors are encouraged to come to the center and not be shy about utilizing the services
and activities because they aren't sure just how to perceive the concept of "Senior".   

You do NOT have to be a Saugus resident to use the center.

The Senior Center itself is basically a drop-in center. The staff will offer visitors a
Senior Center Card that is scanned when one enters the building and registers
information the Center uses for administrative purposes such as what activities are
being participated in, how many lunches are served, how many people have visited the
Center that day, etc.   You are NOT required to have a card to come to the Center.

You can drop into the Center any time that it is open, and even bring a friend or
two and play cards, have coffee, socialize, volunteer, etc.

Several senior groups such as the Senior Association, the Knitting Club,  
and the Quilters Guild hold their meetings and other events at the Senior Center.
These clubs may have registration and yearly membership dues.

The Center offers lunch Monday thru Friday at 11:30 am for a $2.00 donation.

A continental breakfast is offered Monday thru Friday from 8:30 to 10:00 am   $1.75


If you have any questions, please feel free to call Joanne (781) 231 - 4178



BULLETIN BOARD

Check out our Bulletin Board as you come in the front door.
A list of the day's events are posted each day.



VISIT OUR BEAUTIFUL GIFT SHOP

Thanks to Charlie Pinksten our Gift Shop has had a reformation. 
New curtains, new mirrored shelves,  and all around make-over. 
Many beautiful items are on consignment - Jewelry, Scarves, China,
Lenox, Vases, Pocket books, Pictures, Cards, something for everyone. 
So, come in and browse.     Our Gift Shop is open to the public.



BOUTIQUE
The boutique is in need of greeting cards.  
All titles are needed except birthday and Christmas cards. 
We appreciate your continued support.



There are many ongoing activities at the Saugus Senior Center
Some of them are free and others have a small fee. 
Please call the Center for more information  (781) 231 – 4178



Some of the activities offered at the Saugus Senior Center are: 
Quilting, Line Dancing, Mah Jong, Cards & Chess, 
Yoga, Weight Lifting, Knit & Crochet, Exercise,
Bingo, Whist, Bible Study, Poker Game, and Oil Painting.



BILLIARDS / POOL TABLE

We now have a pool table at the center.  It was purchased with money
donated to the “Friends of the Saugus Senior Center” specifically for
this purpose.  It is located down the hall in our Day Care area.
Billiard playing is ongoing when the room is available.
Thank you to those who donated.



EXERCISE…EXERCISE!!!
  
EXERCISE room is open Monday - Friday from 8:00 am to 3:00 pm 
2 treadmills, 2 exercise bikes, a rowing machine, weights, & a 42” flat screen TV.

Thanks to a Grant through Greater Lynn Senior Services.
Come check it out!!!

There is no fee for use of this equipment.

To use these machines you must obtain a note from your doctor,
informing us that you are fit to use an exercise bike and a treadmill.
You must call for an appointment to be trained on machines before using.
You must sign in and have a staff member open the room for you.

We would like to “Thank” those who made donations to the
“Friends of the Saugus Senior Center” including the G.E. Gift Foundation
matching funds that were made to purchase this equipment.
And thanks to Greater Lynn Senior Services for the grant that purchased
a flat screen TV and rowing machine for the exercise room.



CONTINENTAL BREAKFAST
Served Monday thru Friday from 8:30 to 10:00 am

You can choose from French Toast, Bagel/Cream Cheese,
Cereal, or English Muffin. 
All come with fruit or juice and coffee.  All for only $1.75




LUNCH AT THE SENIOR CENTER

Served Monday through Friday  at 11:30 am 
The suggested lunch donation is $2.00   However, no one will be refused lunch due
to inability to make a donation.  If you are not able to make a donation, please see
Joanne in the office, arrangements will be made for you to be served a lunch.  
We do ask that you scan your free membership card when signing up for lunch. 
This will give us an accurate count for our daily meals. 
If you do not have a membership card, please give the front desk your information
and a card will be assigned to you.

NEEDED…

We need volunteers to help clean up and wash tables after our lunch program.


ATTENTION - Rules and Regulations
All food must be consumed on premises.
Congregate food is budgeted per person forecasted.
For example: please do not take extra milks; one meal per person. 



TRANSPORTATION 
For appointments and details call Mary  (781) 231-4179

The Saugus Senior Center offers rides for Saugus residents who are Senior Citizen’s
to come to the center for lunch Monday through Friday. 
$1.00 round trip

We offer trips to Stop & Shop or to the mall Thursday mornings only. 
$3.00 round trip


Medical rides to Saugus, Lynn, Lynnfield, Salem, Stoneham, Melrose, and Peabody. 
$4.00 each way



PHONE CHARGING STATION
We now have a new phone charging station located against the wall,
outside of the back offices.
This phone charging station will allow you to charge your cell phone
here at the Senior Center in the event that your phone battery dies or is getting low.
This charging station sponsored by Partners in Rehabilitation, LLC Physical Therapy,
880 Broadway, RT 1 North, in Saugus.



MEDICAL EQUIPMENT LOAN PROGRAM

For seniors in need of a walker, wheelchair, canes, shower chair, transfer bench,

commode, etc., our Senior Center can provide the item on loan at no charge,
BASED ON AVAILABILITY.

Please call the Senior Center (781) 231-4181 to check on availability.



BOOKS AND DVD’S ABOUT  CAREGIVING, ALZHEIMER’S DISEASE
AND RELATED DEMENTIAS –  AVAILABLE IN THE BACK OFFICE

Anyone interested in borrowing a book or DVD
can sign it out in the back office.



INCLEMENT WEATHER
Just a reminder . . .
when there is inclement weather and the Saugus schools are closed,
the Saugus Senior Center will also be closed.



* * * CLARIFICATION Regarding The Saugus Senior Association * * * 
The Senior Association is a group of seniors that formed a club years ago, and
hold their monthly meetings at the Senior Center.  Members pay club dues.
There are NO dues to pay to be a member of the Saugus Senior Center.
. 
So please do not be afraid to come into our Center, 
you are a member of the Senior Center the minute you walk through the door.

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SAUGUS PUBLIC LIBRARY HOME DELIVERY
The Saugus Public Library is pleased to offer home delivery of library materials
to any Saugus resident who is unable to come to the library in person.
Whether the reason is short- or long- term the library is happy to provide you
with the books, DVDs, Books on CD or other materials that you need.
Simply call the Library at (781) 231 - 4168 ext. 11 to make arrangements.
The home delivery program is assisted by volunteers and new volunteers are
always welcome.  Please call the library if you’re interested in helping out.



MUSEUM  PASSES  AVAILABLE  AT  THE  SAUGUS PUBLIC LIBRARY 

Just a reminder that the library has reduced-admission passes available
for the Boston Science Museum, The Children's Museum in Boston,
and the Museum of Fine Arts in Boston. 
 
One pass for each day, available on a first-come, first-served basis. 
 
Please call if you're interested and you know what date you'd like to go.  
The Science and Children's museum passes are good for four people;  the MFA for 2.
Call the Library and they can explain the discounts  (781) 231- 4168
The passes are generously funded by the Saugus Public Library Foundation.

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VETERAN SERVICES -  Doug LeShane, Veteran Services Officer,
Saugus (781) 231-4010



Veterans and Veteran Family Members you may be eligible for financial assistance
through Chapter 115, a town program that provides a financial and medical
assistance for
fixed income veterans, spouses, and widows.
Qualifying veterans and their dependents receive financial assistance for food,
shelter, clothing, fuel, and medical care.
Contact our office for more information (781) 231 - 4010

The next Veteran Mobile Food Market  October 18 
at the Saugus Senior Center  from 11:00 am to 12:30 pm
The program provides nutritional supplements to our veteran community,
and is specially designed for veterans and their family members only.  
We require that you pick up from our distribution center at Saugus Senior Center,
If you cannot physically attend,
a friend or family member may pick up for you.

The program is specially designed for veterans and their family members only.
This market will take place on the third Wednesday of every month.
Interested Saugus veterans can sign up for the Veterans Mobile Food Market
by calling Douglas LeShane (781) 231-4010.


If you have any questions, please call our office 
(781) 231- 4010

Veterans looking for more assistance are also encouraged to stop by
the
United Parish Food Pantry located in the basement of the
Cliftondale Congregational Church, 50 Essex St. Saugus. 
Open Thursdays  from 5:00 to 6:00 pm and Fridays from 9:30 to 11:00 am


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CENTER CLOSED  -  Columbus Day – Monday, October 9



FROM THE DEPARTMENT OF ELDER AFFAIRS

Executive Office of Health and Human Services (EOHHS)
Connections to services for elders and individuals with disabilities
 - simplified –
Call toll free -  1 (800) 422-6277  or visit 
www.MassOptions.org




BLOOD PRESSURE

1st  Tuesday -  2nd Wednesday - 3rd  Thursday  -  4th  Monday  of the Month
Tuesday      October   3  at 9:30 am
Wednesday October 11  at 9:00 am
Thursday     October 19  at 9:00 am
Monday       October 23  at 9:00 am



GRANDPARENT PLAYGROUP – AT THE SAUGUS SENIOR CENTER
Thursdays  from 10:00 to 11:00 am  through November 16
Children ages 3, 4, or 5

Are you a grandparent raising your grandchild?  
Or are you their caregiver during the day?  Are you looking to meet other
grandparents and their grandchildren?  Then stop by our playgroup!  
This playgroup will give you and your grandchild an opportunity to meet
new peers all while learning developmental approaches to playing effectively. 
This program is funded by the Massachusetts Department
of Early Education and Care and www.SaugusCFCE.com 
(Coordinated Family and Community Engagement)




BOOK SALE 
at Saugus Senior Center October 2 – 6

Our Book Sale will start on Monday, October 2 
Stop in and browse.  You are sure to find many books of your interest.
Paperback 10 for $1.00 Hardcover 2 for $1.00



SENIOR ASSOCIATION MEETING -  Thursday  October 12  at 12:30 pm
Membership information -  contact Delores Venetsanakas (781) 595-2673



FREE HEARING CLINIC  -  Friday  October 13  - 10:00 am to 12:00 noon
Mary Marino of Mary's Affordable Hearing Aids will be doing a hearing clinic. 
Mary is a true professional in her field with 13 years of experience
in the hearing industry.   If you have any questions about your hearing,
would like your existing hearing aids checked, or would like a screening,
please stop in to see her.
 
Call (781) 249-5330 to make an in-home appointment.



TRIAD – Meeting  Monday  October 16  at 9:30

TRIAD SCAM ALERT  -  Beware of the “Medicare Back Brace Scam”.
Scammers are calling from “Medicare” claiming to have your new back brace.
You answer the phone, and a “Medicare representative” (scammer) has two typical
patterns. 1 is an offer -
 the scammer will offer you a back brace through Medicare,
or 2 a claim - that a caregiver previously called about receiving a back brace from
Medicare.
  If you show interest in the brace, the scammer will start asking for
personal information, such as your Social Security number or a Medicare number
to access the benefits.
DON’T FALL FOR THESE PHONY SCAMS,
EVEN IF THE CALLS ARE PERSISTENT!
Protect yourself.
  Never share your Medicare number with an unsolicited caller.
Treat your number like your credit card info or other personal numbers.



VETERANS MOBILE FOOD MARKET
Wednesday  October 18 
at the Saugus Senior Center from 11:00 am to 12:30 pm
The purpose of the program is to provide nutritional supplements to our veteran community.
The program is specially designed for veterans and their family members only.
This market will take place on the third Wednesday of every month.
Interested Saugus veterans can sign up for the Veterans Mobile Food Market
by calling Douglas LeShane, Veteran Services Officer Town of Saugus
If you have any questions, please call our office.  (781) 231-4010



♫♫ EVENING DANCE & PIZZA PARTY – WITH PETE SARAN ♫♫
Thursday  October 19  at 5:30 pm

We will be serving 2 slices of  pizza, salad, and soda.
Special Apple Cider and Donuts, and many special give-a-ways.
Serving will begin at 5:30 pm followed by dancing to the music of Pete Saran.
Bring some friends!  It’s lots of fun!  
Obtain your ticket in the back office in advance.  
Due to the fact that the cost of pizza has gone up,
we will now be charging $10.00 a ticket. 
ATTENTION:  Please call and sign up in advance if you plan
on coming, so that we can order pizza accordingly.



VETERANS’ COFFEE HOUR  - 
Wednesday  October 25   from  1:00 to 2:00 pm
The group meets every fourth Wednesday of each month.
Join Tom Moran, Veteran Liaison with Compassionate Care Hospice, to have
coffee and to converse about years in the service.  Tom was in the Army
and was in the National Guard for 13 1/2 years.   All are welcome.  
The group meets every 4th Wednesday of the month.



HALLOWEEN LUNCHEON AND DANCE – Thursday October 26 at Noon
It’s that time of year again, for all the goblins, witches, and ghosts
to show their faces….and it’s time for you to dress up in your favorite costume
and have some fun with us at the Saugus Senior Center.  Costumes optional…. 
We will celebrate Halloween with Harrow’s famous chicken pot pie for lunch
and continue with dancing to D.J. Alan LaBella….An afternoon of raffles,
prizes for best costume, fun and laughter. 
Cost:  $8.00  
Menu:  Harrow’s Vegetable Chicken Pot Pie, Cranberry Sauce,
Roll, and Blueberry Pie
Thank you to Harrow’s in Saugus for co-sponsoring our Luncheon
Thank you to West Revere Health Center for sponsoring our DJ Alan LaBella
Thank you to Chestnut Woods Rehab & Healthcare Center for donation of raffles.



SAUGUS YOUTH & RECREATION CHILDREN’S HALLOWEEN PARTY
Friday  October 27  from 3:30 to 5:00 pm  at the Saugus Senior Center

The event will be free of charge for all Saugus children in grades 1-5. 
There will be dancing, games, a costume parade, and of course, FUN!
                             


OCTOBER IS DOMESTIC VIOLENCE AWARENESS MONTH
Greater Lynn Senior Services, Inc. (GLSS) has special programs to help those
adults (women & men) who are 50 years of age and older, who live in the
North Shore area and who are, or have been abused by an intimate partner,
adult child or grandchild.  Our free services include education, support, advocacy,
one-on-one confidential counseling, group counseling, legal assistance and other
services to help you live independently and safely in the community.    
You are not alone.  Let us help.
Please call the Program Director, Katie Galenius, LICSW (781) 586-8668



MEDICARE OPEN ENTROLLMENT  -  DEADLINE IS HERE

SHINE CAN MAKE HELP SENIORS MAKE SENSE OF IT ALL
Do NOT Ignore Your Medicare Mail…it’s that time of year again! 
If you have a Medicare Prescription Drug Plan or a Medicare Advantage Plan
(HMO, PPO), you should be receiving information from your plan.
 
Please read this guide -- it explains changes in your plan for 2018.
During the annual Medicare Open Enrollment, October 15 - December 7,
you will have a chance to CHANGE your plan for next year.

We can help make sense of the information.
Trained SHINE (Serving the Health Insurance Needs of Everyone ) counselors
can help you understand your plan changes as well as other available options.
 
Be sure you have coverage that best meets your needs! 
SHINE counselors are in every community and there are appointments available.
Sign up soon!

Call your senior center to get a SHINE appointment during Open Enrollment
or call 1-800-AGE-INFO (1-800-243-4636), then press or say 3. 
More info:  www.800ageinfo.com

YOU’RE GETTING A NEW MEDICARE CARD!
CARDS WILL BE MAILED BETWEEN APRIL 2018 – APRIL 2019
You asked, and we listened.  You’re getting a new Medicare card!
Between April 2018 and April 2019, we’ll be removing Social Security numbers
from Medicare cards and mailing each person a new card.
 This will help keep
your information more secure and help protect your identity. 
You’ll get a new Medicare Number that’s unique to you, and it will only be
used for your Medicare coverage.
 The new card won’t change your coverage
or benefits.  You’ll get more info from Medicare when your new card is mailed.
Here’s how you can get ready:
          Make sure your mailing address is up to date.  If your address needs
             to be corrected, contact Social Security at www.ssa.gov/myaccount  
            
or call 1-800-772-1213. TTY users can call 1-800-325-0778.
          Beware of anyone who contacts you about your new Medicare card.
             We’ll never ask you to give us personal or private information to get
             your new Medicare Number and card.
          Understand that mailing everyone a new card will take some time.
             Your card might arrive at a different time than a friend’s or neighbor’s.


BOUTIQUE
The boutique is in need of greeting cards, especially “Get Well” and “Sympathy”. 
We appreciate your continued support.


GLSS Continues Its Commitment
to Creating a “Dementia Friendly” Community in Saugus
  
BOOKS AND DVD’S ABOUT  CAREGIVING, ALZHEIMER’S DISEASE
AND RELATED DEMENTIAS -
The books and DVDs about caregiving, Alzheimer’s disease, and related
dementias are available at the Senior Center.  Anyone interested in borrowing
a book or DVD can sign it out in the back office.



MEDICARE COVEREAGE OF DIABETES SUPPLIES
Some diabetic supplies are covered under Medicare Part B (Medical Insurance)
rather than Medicare Part D (Drug Plans).
  These include: blood sugar (glucose)
test strips and testing monitors, lancets and lancet devices, insulin pumps and
glucose control solutions for checking the accuracy of testing equipment and
test strips. These products are covered under Part B as durable medical equipment

and must be purchased with a doctor’s prescription from a Medicare-approved
supplier or pharmacy.  Not all pharmacies realize these supplies should be billed
to Medicare Part B.
Some pharmacies, especially those not part of a large retail chain, may not participate
in Medicare Part B and therefore cannot bill the purchases to Medicare Part B.
  Always
ask if your pharmacy participates in Medicare Part B before purchasing diabetes supplies.
For further questions regarding Medicare Part B coverage of diabetes supplies, please
contact your local SHINE program (781) 388-4845. 
To make an appointment with the Saugus Senior Center Shine Representative
contact our Outreach Coordinator, Cheryl Roberto at (781) 231- 4180




OUTREACH LEO – FUEL ASSISTANCE
This federal fuel assistance program is open to all eligible resident households
of Lynn,   Lynnfield, Nahant, Saugus, Swampscott and Wakefield.  Eligibility is
based on family size and income of the entire household.  Tenants with heat
included in their rent may be eligible for benefits depending upon the household
income and are encouraged to apply.  (Households with heat included in their
rent and who are in public housing or private subsidized housing where rent is
limited to a low percentage of their income may not be eligible for fuel assistance
benefits but may be eligible for utility discounts.)
LEO intake workers will be at the Saugus Senior Center to take applications
for new and returning clients.  If you received an application in the mail, please
bring it with you for the LEO staff to check. 
Please see Cheryl for the list of documents you should bring when you apply.




SHINE REPRESENTATIVE  -  Tuesdays from 10:00 am to 2:00 pm
by appointment
 only
(Serving the Health Insurance Needs of Everyone…on Medicare)
Jean Mulhern is our SHINE counselor here at the Saugus Senior Center. 
She is here to help with any Medicare insurance questions you may have. 
Call Cheryl Roberto at (781) 231- 4180 for an appointment.


MESSAGE FROM SHINE….
Trained SHINE counselors offer free, confidential counseling on all aspects
of Medicare and related health insurance programs.    
You may also call the Regional SHINE office at Mystic Valley Elder Services
at
(781) 388-4845
or if you live on the North Shore, please call our satellite office
at North Shore Elder Services at (978) 750-4540



YOGA  –  Mondays at 1:00 pm



LINE DANCE CLASSES
Mondays, Thursdays, & Fridays 10:00 to 11:00 am

Mondays  -  Line Dancing with Cindy
Thursdays  -  Line Dancing with Kris  
Fridays  -  Line Dancing with Charlotte



CHAIR YOGA with CINDY GRAY – Mondays & Thursdays at 1:00 pm
If you are interested in receiving the health benefits of yoga but
the idea of getting onto the floor and moving around seems arduous,
don’t give up just yet on experiencing this ancient healing practice.
 
Chair Yoga, in which you perform your entire yoga set while sitting
or standing using a chair for support might be the solution for you
  
Cost:  $5.00 per class




WEIGHTLIFTING  –  Tuesdays at 9:30 am



CAREGIVER’S SUPPORT GROUP  meets at the Saugus Senior Center
2nd and 4th Tuesday of the month at 12:30 pm 



FURNITURE REFINISHING AND RESTORING WITH CHAIR CANING
Tuesdays from 10:00 am to 12:00 pm
  
 Come Join Us…Beginning our 25th year! 
In the shop at Saugus High School.

For more information call Carmine Moschella  (781) 233-0367



SENIOR KNITIZEN’S – Knit & Crochet Group Tuesdays  at 12:15 pm
In the past 15 years the group has grown rapidly. 
Thanks to all who come Tuesdays and volunteer your time and effort
by knitting and crocheting for our troops overseas.
This year, the group put in a total of 11,787 hours of their dedicated time to make
1300 Hats, 281 Slippers, 70 Gators, 96 Afghans, 14 Scarfs, and 266 Cool Ties
Thanks again for representing the Saugus Senior Center in such a special way.

New members are always welcome!



TUESDAY AFTERNOON ART GROUP  -  12:30 pm
If you like to paint and are looking to pick up that paint brush again,
join our Tuesday afternoon group.  Draw, paint, sketch whatever your
heart desires, while having friendly conversation and making new friends. 
FREE (No instructor in this group)    




PIANO PLAYING AND SING-A-LONG
Tuesday Afternoons at 1:00 pm
Tuesdays sing-a-long to piano playing led by Lourdes and Ben Lagman.
P
iano playing by Norman Daly on Thursdays.  
A lively group sits around the piano, having fun singing along.
They welcome you to join them.
Whether you want to sing along or just listen, you will surely enjoy the afternoon.
 



SEAMSTRESS – Wednesdays  from 10:00 to 11:00 am
Diane Maruzzi will be at the Center to perform alterations. 
Any questions, you may call Diane at (781) 233-4654



NEW BLOOD PRESSURE DAY  -  2nd Wednesday of the month 9:00 to 11:00 am
WELCOME DIANNE BUZDEREWIC, RN
Dianne is a registered nurse and she will perform blood pressure screenings for us.



BINGO – Wednesdays at 1:00 pm   -   VOLUNTEERS NEEDED
The Saugus Senior Center is looking for Bingo Volunteers to help
with calling of numbers.   If you are interested in volunteering,
please stop by any Wednesday and ask for Carl Tedder.
  

* ATTENTION BINGO PLAYERS *
Wednesday’s Bingo at the Saugus Senior Center starts at 12:45 pm ! 
No cards will be sold after 1:15 pm 

Because we have such a large crowd at our lunch program on Bingo day,
we are also looking for volunteers to help clean-up after lunch on Wednesdays.



PUBLIC HEALTH  NURSE at the Senior Center on Thursdays
Mary McKenzie, RN, EdM, MS, Saugus Board of Health nurse, has
permanently moved her office from Laurel Towers to the Senior Center. 
Mary will be here every Thursday to answer any questions you may have. 
She will perform blood pressure screenings
every 3rd Thursday 9:00 to 11:00 am




BIBLE STUDY -  Thursdays   10:00 to 11:00 am



NEW WEIGHT LIFTING CLASS  -  Fridays from 10:00 to 11:00 am
Valarie Costello will instruct a Weight Lifting Class
Cost is $5.00 per class.



FREE MOVIE DAY AT THE CENTER  - Fridays at 12:15 pm
Our movies are now played on a Big Screen with our new DVD / VCR Projector
that was bought with the generous donation of an anonymous donor to our
“Friends of the Senior Center”. Thank You anonymous donor!

If you have DVD movies that you would like to donate,
it would be greatly appreciated.



MULTIMEDIA ART CLASSES  -  Fridays from 12:30 to 3:00 pm
We are pleased to welcome Steve Grecco, Art Instructor, who will teach
beginners or advanced students a variety of techniques in drawing,
oil painting, acrylics, or pastels. Cost is $10.00 per class




IN MEMORIAM

Gifts in loving memory of the following people have been made to the Living Memorial.

BARBARA GALVIN  from Betty Frongillo
MARY PHIPPS from Joanne and Jerry Pressman, Doreen and Leonard Morrison Jr.
and  Annette and Richard Stewart
LEONA VERRENGIA from Judy Hoffman
THOMAS MCGANN from Inez M. Taatjes and Jan McGann
CLAIRE MARSHALL from Inez M. Taatjes and Jan McGann
RICHARD ANDERSON from Mr. & Mrs. A. Rodenhiser
PETER BOGDAN from George Sullivan
In Honor of JOSEPHINE “JOSIE” STELLA from Judy Hoffman 
In honor of  THOMAS MCGANN JR. & THOMAS MCGANN SR. birthdays from Jan McGann


Sincere thanks to all our friends for their generous contributions to the Living Memorial Fund.


Astrid Napolitano & Betty Frongillo,  Living Memorial Chairpersons

click here to print the Living Memorial Gift Form



TRIPS  TRIPS  TRIPS  -  All trips are open to the public.  No Age Limit.
ALL Trips will require payment at the time of sign up.
Refunds for all DAY trips will only be granted if cancelled at least five (5) days in advance.

You will be issued your seating assignment at the time you sign up for any trip.

A deposit for an overnight trip, and full payment for a day trip
must be made in order to receive issued seating.

The doors will open 1/2 hour before the bus is scheduled to arrive at our center.       

for a list of  exciting TRIPS scheduled for 2017
& 2018
click here
  



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Helpful Contacts:

1-800-Age-Info  (1-800-243-4636)

Executive Office of Elder Affairs:  (617) 727-7750

MA  AARP:  (866) 448-3621


Saugus Council on Aging

Chairman, Richard J. Barry

Vice Chairmen, Lawrence Donavan
Treasurer, James Nicholl
Secretary, Phyllis M. O'Hearn

Members:
Mary Dunlop
Eleanor Gallo
Elizabeth Kingsley
Margaret Joyce
Carmine C. Moschella
Loretta Nicolo
Robert Tremblay
Leona Verrengia


FRIENDS OF THE SAUGUS SENIOR CENTER


President:  Attorney Ronald Surabian
Vice President:       Beverly Snowdon
Secretary:                     Louise D’Eon
Treasurer:                George Wentzell

Directors:
Dottie Bockus (Living Memorial)
Margaret Berkowitch
Nelson Chang
Eugene Decareau
Janette Fasano
Marie Poitras
Ellen Proodian
Carl Tedder
Edward Walsh
Caroline Walsh (Honor)
Margaret Wentzell (Honor)




TREE OF LIFE
A good way to support the Senior Center is to buy a leaf on the Tree of Life.
Donations of $250.00 or more to the Saugus Senior Center will provide a beautifully
scripted leaf on the Tree of Life, showing the name of the person who makes the
donation, or if in memory, the name of the person that is being memorialized.
What a beautiful gift, and a very easy way to support your Senior Center.


New at the Saugus Senior Center – STOCK TRANSFERS
Other than cash donations, we are setup to accept stock transfer donations.


GE MATCHING GIFT PROGRAM

The Friends of the Saugus Senior Center have been accepted by the
GE Matching Gift program. Your gift of $25 or more may be matched dollar for dollar!
This program is for current GE employees, retirees of the GE and spouses of deceased
GE retirees. We encourage GE people to help us out. Your donation is tax deductible.

Eligible donors should make their checks payable to: Friends of the Saugus Senior Center
and mark it “Eligible for GE Foundation Match” under memo.

Send to: Friends of the Saugus Senior Center, 466 Central Street, Saugus, MA 01906

Report your contribution to: The GE Foundation Matching Gift Center at 1-800-305-0669.
When you call you will need to have the following information ready. Your SS number,
zip code of the Senior Center 01906, the amount of your gift, and the date of your gift.



OUTREACH –  Cheryl Roberto, Outreach Coordinator (781) 231- 4180


MEDICARE APPEALS
If you disagree with a decision made by Medicare, you have the right to appeal. 
All steps in the appeal process have specific time frames and other requirements. 
It is very important to pay attention to the time limits for appeals!

Some appealable situations are:
Medicare denies your request for a health care service, supply, or prescription
Medicare denies payment for health care that you  have already received
Medicare stops covering services that you are receiving
Medicare pays a different amount than you believe it should

For assistance with appeals, the Medicare Advocacy Project (MAP)
provides free advice and legal representation.
MAP can assist anyone with Original Medicare or a Medicare Advantage Plan,
regardless of income.  For assistance from MAP, call the Massachusetts
Senior Legal Helpline 1-866-778-0939


PROTECTION FOR YOU AND YOUR HOME
Lock Boxes - Allow access to your home in the event of an accident, sudden illness
or emergency call to your home.  A house key is stored in a small locked box that
is secured to your house in a discreet location; only Saugus Fire Department
personnel have access. 
Call the Saugus Fire Department (781) 941-1170 for more Information.


FILE OF LIFE
The File of Life is a red magnet pouch that is placed on your refrigerator with your
most updated medical information placed in it.  This provides police, firemen, and
EMS with essential information for securing the most accurate medical treatment
in the event of an emergency in your home.  First responders are aware to first
look on your refrigerator for this information.  File of Life magnets are available at
the Saugus Senior Center.  Please call Cheryl Roberto at (781) 231- 4180 for more
information, or help filling out or updating your file of life card.


HOUSE NUMBERING  BY-LAW  -  SECTION 6.9 TOWN OF SAUGUS
Every property owner shall display the house number, as assigned by the Town
Assessor’s Office, using only numeric digits that are not less than four (4) inches tall.  
Affix numbers not less than four (4) feet and not more than five (5) feet above
the door sill.   The house numbers shall be in contrast with the color of the house. 
If the house sits 50 feet or more from the street or way, the number shall be affixed
to a post at a point at least 4 feet above ground level, at the entrance to the property.

Attention – Saugus Residents – The Importance of House Numbers
House numbers are not only convenient for finding addresses, but necessary for
emergency responders to locate those in need.  If the numbers on your house are
not visible or easy to read, it will take emergency personnel longer to reach you. 
Those extra minutes spent trying to locate a property can mean the difference
between life and death, so take the time now to be sure your house numbers are
able to be seen from the street to help emergency responders find you faster. 
Call Cheryl at (781) 231- 4180


EMERGENCY KIT CHECKLIST -  DISASTER PREPAREDNESS
The likelihood that you will recover from an emergency tomorrow
often depends on the planning and preparation done today.   

This list may help you get through the first 3 days after a disaster.

-
3 days of nonperishable / non-cook food
-
Water (1 gallon per day per person)
-
Medication
-
Flashlight, battery operated radio, extra batteries
-
First Aid kit
-
Cash
-
Cell Phone and Charger
-
ID cards, information:  (Doctor, medications, allergies)
-
Family / friends contacts
-
Toothbrush/paste
-
Clothes, blanket, and washcloth
-
Pet supplies if you need them
This is a starting point, as individual needs and circumstances vary.   
For additional information, visit; 
www.Ready.gov  &  www.mass.gov/mema/ready 



A message from the SHINE program:


MEDICARE FRAUD AND ABUSE…DID YOU KNOW…?
Over the past year, Medicare paid for health services for approximately 51 million
individuals at a cost of about $604 billion. The
Centers for Medicare & Medicaid
Services (CMS)
estimated that improper payments, some of which may be
fraudulent, were almost $50 billion.   
Fraud, waste, and abuse contribute to rising
health care costs. Taxpayer dollars lost to fraud, waste, and abuse affect all of us.

You can help stop fraud and abuse by reviewing your Medicare statement
(Medicare Summary Notice – MSN) or Part D Explanation of Benefits (EOB) to
make sure Medicare is not charged for items or services you did not receive. 
If you have a concern regarding a Medicare claim, you should first discuss it
directly with your physician, provider, or supplier that provided the service.

Assistance is also available through the Massachusetts Senior Medicare Patrol
(SMP), which is a group of trained volunteers who teach Medicare beneficiaries
how to protect their personal information, identify and report errors on their health
care statements and report fraud and abuse to the proper authorities. Contact:
MA SMP program at Elder Services of the Merrimack Valley at 1-800-892-0890


For further assistance with any Medicare issue, contact the SHINE Program.
Trained SHINE counselors offer free, confidential counseling on all aspects of
Medicare and related health insurance programs. 
To make an appointment with
the SHINE counselor here, please contact Cheryl Roberto (781) 231-4180.
You may also call the Regional SHINE office at Mystic Valley Elder Services in
Malden at (781) 388-4845.
Please leave a message and a counselor will return your call within 2 business days.


SAUGUS POLICE – SAFE WATCH PROGRAM
For more information, please contact Sgt. Paul Van Steensburg
(781) 233-1740 ext. 3006  or  


Saugus Police Department  (781) 941-1160



PRESCRIPTION DROP-OFF KIOSK AT THE SAUGUS POLICE STATION
Thanks to a grant-funded kiosk at the Saugus Police Station, you can now
drop off prescription drugs you may not want 24 hours a day as well.
This provides residents with the proper way to dispose of prescription medications.
It prevents environmental pollution. The prescription drug disposal kiosk looks like
a street mailbox and is located just inside the doors of the Saugus Police Station.
Residents can drop off medications, medication samples, over-the-counter
medications, vitamins, syrups and ointments, inhalers.

If you are dropping off medications, please remove the label or
black-out the patient’s name to protect your personal information.

For those who want to drop-off “sharps” such as syringes,
there is a collection box across the street at Town Hall.




Do You Need a Ride?
THE RIDE application has changed. 
New or recertifying applications to the Ride must apply for or renew
their eligibility by appearing in person for an interview with a Mobility Coordinator,
located at 500 Rutherford Avenue, Boston (Charlestown) MA. 
You must call the Ride Eligibility Center (617) 337-2727 for an appointment.
Free Transportation will be provided to and from the interview
for the applicant and one other person.  



*  *  *  *  *  *  *  *  *  *

SAUGUS FIRE DEPARTMENT KEY BOX PROGRAM
Allow Emergency-Only Entrance to Your Home

The Saugus Fire Department along with the Saugus Fire Relief Association
(S.F.R.A.) and the Saugus TRIAD Program have initiated an
“Open Door Key Keeper” Program for residents of Saugus.

This specially designed key box is used to store an emergency home key, under lock-safe
conditions, for emergency personnel to access your home in the event of an accident,
sudden illness or emergency call to your home.  This allows emergency personnel to enter
without having to force entry and do costly damage to your home.
Quickly installed in seconds, over most outside doors, the “Open Door Key Keeper”
is accessed by a master key entrusted to the Fire Department of Saugus.
This program is most helpful and recommended for the elderly, handicapped, or
anyone concerned about the well being of their home when they are away.

YOUR BENEFITS
- No need to distribute personal home keys to anyone
- Saves critical time when emergency personnel need to enter your home
- Protects elderly and handicapped in case of health or home emergency
- Allows emergency access when you’re traveling or away from home
- Eliminates destruction of property if emergency entrance is needed
- The Key Keeper is easily position above your primary door entrance and
securely placed to be non-removable.

The one-time charge for the “Key Keeper” has been reduced
from $40.00 to $20.00 and your money is refunded when box
is no longer needed and returned.
Call Now to Order Your “Open Door Key Keeper” –
Saugus Fire Department Fire Prevention (781) 941-1170
Sponsored by the Saugus Business Partnership



FROM THE DEPARTMENT OF ELDER AFFAIRS

Are you at least 60 and having problem  with in-home care-giving services?
Do you know someone who does?  If so, please call us!
1-800-243-4636   (1-800-AGE-INFO)



A NOTE FROM OUR TROOPS TO OUR KNIT AND CROCHET GROUP

E-mails come in from our troops, thanking our Knit & Crochet group,
for taking part in “The Ships Project” by making caps, slippers and scarves
for our troops overseas.  We would like to share one with you…
“We just opened a box from “The Ships Project” aboard the USS Rushmore.
I just wanted to take a moment to thank you for the generosity and support
shown to our service members.  It means more than you can imagine, to
know that people “back home” are thinking of us while we are away,
“under way”.   As I look at the craftsmanship of my new beanie, I pray that
God will bless the hands that made it, just as each knit and pearl was a
prayer for our safe return home.”



BUYING PRESCRIPTION DRUGS . . .

Follow these 3 steps to be certain you have done all that you can to reduce
the cost of medications for you and your household.

STEP 1:  Make a list of all the medications you are taking; include
the retail price for each one and reason you are taking each one.

STEP 2:  Call or meet with your doctor and talk about each medication.
Make sure you still need all the medications that you are currently taking.
Discuss the use of other brand name drugs or generic drugs that may
cost less. At any time you should feel free to discuss cost-saving
alternatives to your medication regimen with your physician or pharmacist.

STEP 3:  Call the state’s pharmacy counseling program, “MassMedLine”
at 1-866-633-1617, to find out about less costly medication alternatives
or to get help enrolling in the best program for you.

MassMedLine will evaluate your situation and work with your doctor to
complete any applications necessary to obtain your medications.



TRIAD
Things to do in an emergency situation -

Information from a law enforcement official.
 
*  If a robber demands your wallet or purse, do not hand it to him. 
Toss it away from you.  Chances are that he is more interested in
the wallet than you and he will go after it.
RUN LIKE MAD IN THE OTHER DIRECTION.

*  If you are ever thrown into the trunk of a  car, kick out the back tail lights
and stick your arm out the holes and start waiving like crazy.  The driver
won’t see you, but everybody else will.  This has saved lives.

*  Women have a tendency to get into their cars after shopping and just sit -
doing their check books, checking their lists, etc.  Don’t do this! 
The predator may be watching you, and this is the perfect opportunity
for him to get in on the passenger side.
AS SOON AS YOU GET INTO YOUR CAR, LOCK THE DOORS AND LEAVE.

*  Always take the elevator instead of the stairs.  Especially at night!
Stairwells are horrible places to be alone and the perfect crime spot. 

*  If a predator has a gun and you are not under his control, ALWAYS RUN! 
The predator will only hit you (a running target) 4 in 100 times, and even then,
it most likely WILL NOT be a vital organ.  RUN, preferably in a “zig-zag pattern.



* * * * * TRIAD SCAM ALERTS * * * * * *

Courier Service Scam
You receive a phone call from a courier service. They ask if you will be home because
they have a package for you requiring a signature. They say the delivery will arrive in
roughly an hour. Sure enough, about an hour later, a uniformed delivery man turns up
with a beautiful basket of flowers and a bottle of wine. You inquire as to who the sender
was. The courier replies he doesn’t know, he only delivers the package and said that
a card would arrive separately. He tells you that because the gift contained alcohol,
there was a $3.50 delivery charge, and that the company requires payment to be
made by credit or debit card only, thus helping to keep a legal record of the transaction.
He said that couriers don’t carry cash. This sounds completely logical and you hand him
your debit card. He swipes the card on a small mobile card machine, and you are asked
to enter your PIN number and a receipt was printed out. All is good says the courier.
UNFORTUNATELY FOR YOU, YOUR MONEY HAS BEEN WITHDRAWN FROM
YOUR ACCOUNT AT VARIOUS ATM MACHINES. You were scammed!!
 
Be wary of accepting packages which you never ordered.



Phishing
Beware of Phishing:  phishing seeks to obtain usernames, passwords, bank
and other financial accounts,
and credit card details for malicious reasons. 
Phishers pretend to be trustworthy via electronic email and text messages. 
Older and vulnerable adults can be subject to fraud and financial abuse.  
Phishers include links in their email to lure you to fake sites in order to steal
your log in credentials or to infect your computer with a virus.
 
Phishers may also ask you to respond to an email with sensitive personal
identification information that would allow them access your financial accounts. 
Before you click on a link or respond to an email check to make sure you are
familiar with the company or sender’s name.
  If not, delete the email or text!




Credit vs. Debit Cards:  
According to Frank Abagnale, fraud expert, the worst financial tool
out there are debit cards.  Did you know that you might be responsible for the first $50 of
fraudulent charges on your credit card, no matter how much gets fraudulently charged? 
But with a debit, you could be responsible for up to $500 unless you report the fraudulent
activity within two days.
  If you don’t spot the fraud for more than 60 days, you could be
responsible for the total amount fraudulently charged.  Some of the highest risk places to
use a debit card are gas stations, restaurants, retail stores and online, whichare popular
places for scammers to install “skimmers”.
  These devices read your card and allow the
scanners to clone your card to access your account.  If you are going to use your card for
a “big ticket” item, opt for a credit card.  Many credit card companies offer extra protection,
like extended warranties orprotection against theft, breakage or loss.  Plus, if you dispute
the charge, the credit card company may withhold payment until the dispute is cleared up. 
An alternative to using a debit card is to set aside a credit card that you designate for daily
expenses, the kind of expenses that you would otherwise use your debit card for.
  Pay the
balance monthly to avoid interest charges. 



A new telephone scam is being used to target victims and facilitate fraudulent charges.
The caller asks the victim, “Can you hear me?” and then records the consumer’s “yes” response
and obtains a voice signature.
 The signature can later be used by scammers to authorize
fraudulent charges over the phone, acting as the victim.  Scammers are always coming up with
new ways to target people and this is the latest method they are using to con victims.  
The best thing to do if you get a call from a number you don’t recognize is not to answer it.



In December 2016, police in a local town were called to a major department store.
The staff reported that a woman, who had purchased $3,000 in gift cards earlier in
the day, had returned to buy an additional $3,500 in gift cards.
 The woman told the
store clerk the cards were for a relative in the hospital.  The store called the local
police.  The police said later that the woman had received a call from a man claiming
to be her grandson, requesting $3,000 in gift cards for Christmas.  The generous
woman dutifully went to the department store, bought the gift cards as he requested
and provided the man the card’s serial numbers over the phone.
 The police advised
her not to buy any more gift cards for someone requesting them on the phone.  
She had been SCAMMED.


Have you received this phone call lately? “This is your final notice.
The IRS is filing a law suit against you if you do not pay them immediately”.
Saugus residents have been receiving this telephone call.  It is a SCAM!  
Do not fall prey to these people. The IRS will never phone or e-mail you!!
If you should receive such a call just hang up!!!


Protect your “PIN” by being aware of “shoulder surfers”.

Be suspicious of anyone lurking around an ATM or watching over your shoulder
while you use your card.  Some thieves even are putting a device over the
card slot of an ATM to read the magnetic strip and record your PIN.  
This is known as skimming.
If you suspect criminal activity walk away and use a different ATM.  
The same thing applies when using your debit card.  Stay ALERT
and always be AWARE of what is happening around you.



Phone call:  Person on the other end says they are the manufacturer
of your alarm system.  You respond by saying that you do not have an
alarm system.  This informs them that there is no alarm system at your
house and it would be an easy break-in.  Do not answer them… Hang up.



We have received notice that the MA Department of Public Utilities (DPU)
is warning customers/consumers about a phony “solar developer” scam. 

On your caller ID system, the caller will appear to be from the MA DPU
main phone number (617-305-3500)
The caller may inform you that you owe money to the DPU (or other entity)
this is a phone scam.  You are advised not to provide the caller with any
personal information and immediately HANG-UP.

You are encouraged to report the scam to the DPU’s Consumer Division
at (617) 737-2836 or call toll free 1 (877) 886-5066


Some people leave their cars in long-term parking while away.
The possibility exists that someone could break into it. This happened recently.
The thieves used the information on the car’s registration which was in the glove
compartment.  They drove the car to the owner’s home and robbed it!
If you are going to use long-term parking do NOT leave the registration/insurance
cards in it.  Also, remove your remote garage opener, too.
This gives us something to think about with all our new electronic technology.



Many Seniors find themselves frequently receiving unsolicited and unwanted mail,
merchandise and emails.  If you believe that you’re a victim of fraud related to the
U.S.  Mail, including mailed sweepstakes, lotteries, on-line auctions, work-at-home
scams or chain letter. Report your concern to the U.S. Postal Inspection Service
as mail fraud.  The U.S. Postal Inspectors investigate any crime in which the
U.S. Mail is used to further a scheme - whether it originated in the mail, by telephone,
or on the internet.  The use of the U.S. Mail is what makes it mail fraud. 
Call the U.S.  Postal Inspection Service:  1-877-876-2455  then press “4”
Or contact them online at http://ehome.uspis.gov/fcsexternal


E-Z PASS SCAM  - 
Consumer advocates and law enforcement officials are issuing new warnings
about a scam that targets E-Z pass users.  Here’s how it works:

You get an e-mail that flags you for having an unpaid toll or fine.  You’re then
baited to provide credit card numbers and other personal information, sometimes
by clicking on a link in the e-mail. Some of the scams are quite convincing. 
They come with the official logo of E-Z pass and a message saying that you owe
money and that you had better pay it.  For anyone who gets one of these messages
and has a question about its validity simply contact the issuer of your E-Z pass to
see whether you actually owe anything.  If you get one of these e-mails and fall
victim to the scam, contact the FBI’s Internet Crime Complaint Center
at 
www.ic3.gov/default.aspx



Phone Scam   -   Do Not Press 90# for Anyone!
A senior received a telephone call from an individual identifying himself as an
AT&T Service Technician who was conducting a test on the telephone lines.
He asked the senior to touch nine (9) zero (0), the pound sign (#), then hang up.
The senior was suspicious and refused.  Upon contacting the telephone company,
she was informed that by pushing 90# you give the requesting individual full
access to your telephone line, which enables them to place long distance calls
billed to your home phone number.  She was further informed that this scam has
been originating from many local jails and prisons.
DO NOT PRESS 90# FOR ANYONE.



   The following e-mail was received from a friend of a Saugus senior.
“Good morning, how are you doing? My regrets for this sudden request.  On our trip
to Istanbul my family and I got mugged and all of our belongings, cash, cell phones,
and credit cards were stolen at gun point. It is such a traumatic experience for me.
We need your help flying back home as I am trying to raise some money.
The embassy has issued me a temporary passport but I have to pay for a ticket and
settle my hotel bill. I have made contact with my bank but it would take 3-5 working
days to access funds in my account. The bad news is my flight, it will be leaving
very soon and I am having problems settling the hotel bills. The hotel manager
won’t let me leave until I settle the bills. I only have access to the internet. I need
your help financially and I promise to make the refund once I get back home.
You are my last resort and hope. Please let me know if I can count on you.”

The Saugus senior called this friend at home and found out that it was all a hoax
and a scam.  Somehow the scammers got their email addresses.


Lottery and Sweepstakes Scam

The scammers inform the senior that they have won a lottery or sweepstakes and
need to make some sort of payment to obtain the supposed “prize”. After the
payment is made, the senior is often sent a check that they can deposit in their
bank account. The scammers know that while the deposit shows up immediately
in the senior’s account, it will take a few days before the fake check is rejected.
During this time the scammers (criminals) will have quickly pocketed the money
you sent for the “prize”. The senior has the “prize money” removed from his/her
account as soon as the check bounces.
NEVER SEND MONEY TO COLLECT A PRIZE !!!


Wiring Money Scam 
Keep in mind that wiring money is like sending cash:
once it is gone you can’t get it back. Con artist often insist that people wire money,
especially overseas, because it is nearly impossible to reverse the transaction or
trace the money.  Don’t wire money to strangers, to sellers who insist on wire
transfers for payment, or to someone who claims to be a relative in an emergency
(and wants to keep the transaction a secret).



“The Grandparent Scam”

The Grandparent Scam is so simple and devious because it uses one of older adults’
most reliable assets, their hearts. Scammers will place a call to an older person and
when the senior answers the phone, they will say something along the lines of,
“Hi Grandma, do you know who this is?” When the grandparent guesses the name
of the grandchild the scammer most sounds like, the scammer has established a
fake identity without having done a lick of background work. Once “in” the fake
grandchild will usually ask for money to solve unexpected financial problems
(overdue rent, payment for car repairs, etc.) to be paid via Western Union Money
Gram, which don’t always require identification to collect. At the same time, the
scammer will beg the grandparent, “please don’t tell my parents, they would kill me.”
Unless you are 100% sure that you are speaking to your grandchild, Do Not
Forward money by electronic means.



Tip-Offs to Rip-Offs: 
If you hear these - or similar-“lines” - from a telephone salesperson,
just say, “No thank you,” and hang up the phone.
“You’ve been specially selected to hear this offer.”
“You’ll get a wonderful free bonus if you buy our product.”
“You’ve won one of five valuable prizes.
“You’ve won big money in a foreign lottery.”
“You must send money right away.”


Don’t play a foreign lottery.
It’s easy to be tempted by messages that boast enticing odds in a foreign lottery,
or messages that claim you’ve won.   Inevitably you’ll be asked to pay “taxes”,
“fees” or “customer duties” to collect your prize.   If you send money you won’t
get it back, regardless of the promises.   Also, it is illegal to play foreign lotteries.



Guard Your Personal Information
If someone requests your personal information, always verify their identity before
providing it to them. Ask for their name, address, phone number and what organization
they are representing. Confirm their information through an outside source, such as the
company’s website or a telephone directory. You may be contacted by credit card
companies or banks if they notice unusual transactions or suspect someone else of
using your account, but in these cases financial institutions will never request account
numbers or other identifying information.  They already have them.  Rather they will
only inquire about specific usage.


Parking Lot Safety
When you look into the rearview mirror to back out of a parking space,
you notice a piece of paper stuck in the middle of the rear window.
 
So, you shift into park, unlock your doors, and get out of your car
to remove the paper (or whatever it is) that is obstructing your view.
 
When you reach the back of your car, the carjackers appear out of nowhere,
jump into your car and take off. 

They practically mow you down as they speed off with your car. 
And guess what ladies?   Your purse is still in the car. 

So now the carjacker has your car, your home address, your money and your keys. 
Your home and your identity have been compromised!

Beware of this new Scheme.   
If you see a piece of paper on your back window, just drive away and remove it later.








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