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Wellness Wednesday

4/16/2025 Cybersecurity & Identity Theft

Technological advancements make life easier but they can come at a cost. Every day it seems as if a data breach story hits the news. As individuals and families use more technology, there is a lot at stake when it comes to protecting ourselves online. 

Here is a booklet that addresses identity theft: Identity Theft Booklet from FTC.

If you are the victim of identity theft, use this resource to start your recovery plan: https://www.identitytheft.gov/.



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Have computer security programs running and regularly updated to look for the latest threats. Install anti-virus software to protect against malware (malicious software) that can steal information such as account numbers and passwords, and use a firewall to prevent unauthorized access to your computer.

Be smart about where and how you connect to the internet for banking or other communications involving sensitive personal information. Public Wi-Fi networks and computers in public places such as libraries or hotel business centers can be risky if they don’t have up-to-date security software.

Ignore unsolicited emails asking you to open an attachment or click on a link if you don’t know who sent it or why. Cybercriminals are good at creating fake emails that look legitimate, but can install malware. Your best bet is to either ignore unsolicited requests to open attachments or files or to independently verify that the supposed source actually sent the email to you by making contact using a published email address or telephone number.

Be suspicious if someone contacts you unexpectedly online and asks for your personal information. A safe strategy is to ignore unsolicited requests for information, no matter how legitimate they appear, especially if they ask for information such as a Social Security number, bank account numbers and passwords.

Use the most secure process you can when logging into financial accounts. Create “strong” passwords that could be easy for you to remember and difficult for others to guess.  The National Institute of Standards and Technology has suggested passwords that are at least 12 characters in length and include multiple character sets, such as a mix of uppercase and lowercase letters, numbers and keyboard symbols. A good example is “1Banana+1Pineapple.” Change passwords  regularly, and try not to use the same passwords or PINs (personal identification numbers) for several accounts.

Be discreet when using social networking sites. Criminals comb those sites looking for information such as someone’s place of birth, mother’s maiden name or a pet’s name, in case those details can help them guess or reset passwords for online accounts or figure out answers to security questions that some sites use.

Be careful when using smartphones and tablets. Don’t leave your mobile device unattended and use a device password or other method to control access if it’s stolen or lost.


IRS Planning 2/19/2025

Tax Day April 15

Everyone knows the significance of the date, April 15.  Today we are going to offer up some tips on how to deescalate the stress of filing your income taxes. It is not a fun task to do, but a necessary one.

1. Gather all your documents. Here are a few common forms to look for:

  • W-2 for employment earnings
  • 1099-DIV for dividends
  • 1099-INT for interest received
  • 1099-NEC for non-employee compensation
  • 1099-R for distributions from 401(k), IRA or pension plans
  • Form 1098 for mortgage interest paid
  • Form 5498 for IRA, SEP-IRA and SIMPLE contributions

Make a folder on your home computer as well, to keep digital tax forms, online receipts, year-end account statements and other relevant documents. For security's sake, you may want to encrypt and password protect tax-related documents on your computer. Store paper documents in a safe place for at least three years after you file your taxes, along with your completed tax returns.

2. Know your filing status. Not sure what your status is? It's based on your marital status on the last day of the year.

  • Single: You are unmarried, divorced or legally separated.
  • Head of household: You are single and pay more than half of your living expenses for yourself and a qualifying dependent.
  • Married filing jointly: You are married or your spouse passed away during the year, and you are filing only one tax return.
  • Married filing separately: You are married and don't wish to file jointly. In some cases, filing separately may save you money.
  • Qualifying surviving spouse: Your spouse died within the past two years and you have one or more dependent children.

The IRS has an interactive tax assistant to help you figure out which filing status fits you and, if there's more than one option, which saves you the most money.

3. Do you have life changes?

home computer as 

4. Be aware of tax scams.

 

Scammers posing as the IRS may go after your personal information or demand payment; fraudsters posing as you may attempt to file taxes in your name.

  • Report phishing scams to the IRS. If you receive a suspicious email or text pretending to be from the IRS, report it. The IRS does not make unscheduled phone calls or send unsolicited email or texts requesting personal identifying information or immediate payment.
  • Watch out for tax identity theft. A scammer also may use your identity to file a fake tax return and collect a refund. Notify the IRS if you can't e-file your tax return because a return has already been filed under your Social Security or tax identification number.

5. Get help by phone or in person.  Here's how to start:

  • Call the IRS at their toll-free IRS helpline.
  • IRS Taxpayer Assistance Centers (TAS) are available nationwide to provide in-person service for 2025. Many offer extended hours.
  • Get volunteer help with tax preparation. Volunteer Income Tax Assistance (VITA) provides free tax prep assistance for taxpayers who have lower incomes, disabilities or limited English-speaking skills. Tax Counseling for the Elderly (TCE) offers free tax advice for taxpayers ages 60 and older. Find a VITA or TCE site near you using the VITA Locator Tool.
  • Access expert help with difficult cases. Contact the TAS if you have an unresolved issue with the IRS that involves financial hardship, systemic problems (such as lengthy delays) and issues related to fairness and equity.

6. File an Accurate Return.  Inaccuracies on your tax return are a potential trigger for an IRS audit. When you file your taxes, the IRS checks the information in it against W-2 forms from your employer; 1099s from clients, banks or investment companies; and its own record of payments you've made. If your tax return differs from what the IRS has on file, it may be flagged for a manual review, which could delay your refund.

To be extra safe, check your return for accuracy against the information the IRS has on file. You can get a free digital copy of your tax transcript by visiting the IRS's Get Your Tax Record site.

Here's the best advice we can give!

Start early and file on time. This makes the tax preparation process much less stressful. The sooner you can start, the better. Do everything you can to file on time so you can avoid penalties and interest. Your taxes don't get easier to do the longer you wait to do them. Good luck! 🤞

2/5/2025 Cardiac Arrest v. Heart Attack

February is American Heart Month

Do you know the difference between a cardiac arrest and a heart attack?

Causes of cardiac arrests

Certain heart conditions and health factors can increase your risk of cardiac arrest, including coronary heart disease. Other factors that aren’t always known could also put you at risk such as:

  • an enlarged heart
  • irregularly shaped heart valves
  • congenital (hereditary) disease
  • electrical impulse problems
  • smoking
  • family history of heart disease
  • a previous heart attack
  • substance misuse


 

Causes of heart attacks
 

Heart attacks are usually caused by coronary heart disease, which starves your heart of oxygen. Most of the time, people know they’re at risk of a heart attack because they’re being treated for heart disease.

Risk Factors for a heart attack can include

  • an unhealthy diet
  • lack of exercise
  • smoking
  • high cholesterol
  • high blood pressure
  • diabetes
  • being overweight

1-15-25 Caregiving

hands on top of each other

Many of us are providing caregiver services to family and friends. This can be a daunting task. We want to make you aware of a new publication that can provide valuable information to caregivers and their families.  Connect Senior Resource Guide is a booklet, courtesy of Ageways, a nonprofit organization that serves as the Area Agency on Aging for a six-county region that includes Livingston, Macomb, Monroe, Oakland, St. Clair and Washtenaw counties.

Although the resource guide does not include Wayne County, the guide has useful articles and guides for

  • caregiving from a distance
  • figuring out how to get around if you’re no longer driving,
  • making your home injury-proof,
  • finding the right in-home aide

For Wayne County families, caregivers can find the phone numbers of resources available at The Senior Alliance. The phone number for Wayne County's Area of Aging Agency is 734-722-2830.

To download a copy of Connect Senior Resource Guide: Connect Senior Resource Guide.

If you are a caregiver, here are some tips:

Practice the following to reduce your stress:


 

11/6/2024 Illnesses Due to Weather Changes

Can a sudden shift in the weather trigger certain illnesses? Absolutely. In fact, climate change is one of the environmental risk factors most doctors consider when assessing their patients for certain conditions.


 

Recently Channel 4 in Detroit did a news story of what illnesses are going around in metro Detroit counties: What’s Going Around: viral illnesses, pneumonia, upper respiratory infections, asthma & allergies

Changes in weather can challenge our immune system and musculoskeletal system because our bodies get used to a certain climate, and when those things change suddenly, our body has to try to adapt. Unfortunately, sometimes our bodies have a difficult time adjusting, which can trigger an illness.

Here are six health conditions that a sudden change in the weather can trigger:

1. Infections and illnesses of the upper respiratory tract

Not dressing for the weather, whether it be too many layers or not enough, can affect the body's immune response and possibly trigger an upper respiratory infection.

When temperatures are fluctuating, doctors recommend dressing in light layers to add or shed depending on the weather.

2. Chronic sinus and throat issues

Heating and air systems struggle to keep up with fluctuating temperatures, and rapidly alternating heating and cooling systems can dehumidify air.

Dehumidified air filled with pollen, dust, mold and mildew is a perfect storm for severe and chronic sinus and throat issues. So it’s important to change heating and air filters every six months.

A humidifier can also help to add moisture to the air.

3. Seasonal asthma and bronchitis triggered by cold air

Cold air can trigger seasonal asthma or bronchitis. People who have these conditions should be prepared to use an inhaler seasonally to avoid severe and chronic coughing episodes.

There is a physiological response to cold air that can cause your airways to close down and tighten up if you have asthma, which can be dangerous if not treated.

4. Seasonal allergies from pollen

Plants get just as confused as people do with the changing weather patterns, which means flowers bloom early and release pollen, which can aggravate people with seasonal allergies.

5. Cold and flu outbreaks

As the weather temporarily improves, it is common for families, co-workers, and school children to gather for group activities. If one person is sick with a cold or the flu, you may see a minor “outbreak” of illness following those gatherings.

Doctors say hand hygiene and cleaning shared spaces can help control the spread of infections.

These foods can help you recover from the flu: What to Eat and Avoid to Recover From the Flu.

6. Muscle and joint injuries

When the weather warms up, people are eager to head outdoors. But being extremely active on muscles and joints that have been hibernating during the cold winter months can lead to injuries.

A good rule to remember before jumping into those fun physical activities is to start low and go slow, at least initially.


 

10/30/2024 Alzheimer's Assistance

Today we are sharing information that was presented to our retirees at their chapter meeting in October. This information comes from The Alzheimer's Association, which has a local chapter in southeast Michigan.

Metro Detroit Office - Chapter Headquarters

25200 Telegraph Rd., Suite 100
Southfield, MI 48033
248.351.0280
Open: Monday-Thursday 9 a.m.-5 p.m.

You can also seek help by calling 800.272.3900, email helplinegmc@alz.org, or visit their website https://www.alz.org/gmc.

Worldwide, 55 million people are living with Alzheimer's and other dementias. 6 million live in the United States.  Alzheimer’s disease is a degenerative brain disease and the most common cause of dementia. Dementia is not a specific disease. It's an overall term that describes a group of symptoms.

 

 


 

There are 10 warning signs of Alzheimer's and this 45 second video names them: 10 Warning Signs of Alzheimer's & Dementia.

The following tips are for everyone!

 


 

10/16/2024 Audiology Awareness

audiology Awareness month

National Audiology Awareness Month is an annual designation observed in October. This time of year is prime for stimulating our senses: smelling pumpkin spice,  tasting apple cider, seeing the leaves turning colors, and feeling the weather as it changes. What about what we hear? Although it's something many of us take for granted, our ability to hear and listen is one of the senses we rely on the most.

           The thing about hearing loss is that no one can see it. --actress Marion Ross

We live in a noisy world, so get those ears checked!

Listen as these professionals explain in this 1:15 clip about How Audiologists Can Help Video.

hearing loss third most common health problem for older adults

9/18/24 Prostate & Gynecological Cancer Awareness

Prostate & Gynecological Cancer Awareness

Just a few decades ago, little was known about cancer, and when someone was diagnosed with the disease, their chance for survival was slim. Today, however, we know much more including how to diagnose it earlier, treat it more effectively and, most importantly, help prevent it from occurring in the first place. --Dr. Matthew Gall

Prostate cancer is the most common type of cancer (other than non-melanoma skin cancer) diagnosed in men in the United States. Furthermore, it’s the second leading cause of cancer deaths in men, after lung cancer, in the United States. Click here to read more: What is Prostate Cancer?


More than 108,000 women in the United States are expected to be diagnosed with a gynecological cancer in 2024. Furthermore, about 32,000 will die from one. Each gynecological cancer has different signs and symptoms, as well as different risk factors. As with most cancer, the risk of developing a gynecologic cancer increases with age. Click here to read fact sheets about the 4 types of gynecological cancer: What is Gynecological Cancer?


 

What is Cholesterol?

Cholesterol is a waxy substance found in your blood, essential for building cells, hormones, and vitamins. There are two types of cholesterol.

The Risks of High Cholesterol

High LDL cholesterol can lead to atherosclerosis, where plaques form in your arteries, restricting blood flow and increasing the risk of heart attack and stroke. According to the CDC, individuals with high cholesterol are twice as likely to develop heart disease.

Causes of High Cholesterol

Unhealthy lifestyle choices, such as poor diet, lack of exercise, smoking, and excessive alcohol consumption, are

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Happiness Happens Day: August 7, 2024

Happiness Happens Day

For every minute you are angry you lose sixty seconds of happiness. Ralph Waldo Emerso

August 8th is National Happiness Happens Day. (This is good advice for every day of the year, in fact.)

What is Happiness Happens Day?

  • It promotes the idea of spreading joy and positivity.
  • The day encourages people to embrace happiness and share it with others.
  • It's an opportunity to focus on the little things that bring happiness to our lives.
  • Join the movement to create a happier world by spreading smiles and positive vibes!

Looking for some ideas on how to Foster Happiness in Your Life. This article has 14 tips, all simple ideas to incorporate.