Friday, December 12, 2025

HIT A HOME RUN WITH SOCIAL SECURITY

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By Jose M. Olivero
Social Security Public Affairs Specialist in Oklahoma

A home run is a highlight of any baseball game. The fans cheer with excitement to see a player rocket the ball into the stands. So, what are you doing to prepare for your retirement home run? Your goal should be to get past 1st, 2nd & 3rd base and make it home with a hefty plate of savings.
Social Security has many tools to help you achieve financial security. 
Take the first step and visit www.socialsecurity.gov/myaccount. The benefit of having a my Social Security account is that it gives you access to your personal Social Security Statement, verification of correct earnings, and an estimate of your early retirement benefits at age 62, full retirement age of 66, and delayed age at 70. 
We protect your information by using security features and strict identity verification to detect fraud. In several states including the newly added Idaho, Mississippi, and North Dakota, you can request a replacement Social Security card online. Find out if your state offers the service at www.socialsecurity.gov/ssnumber.
In addition to using your personal my Social Security account to prepare for a comfortable retirement, you can visit www.myra.gov. At myRA, you can access new retirement savings options from the Department of the Treasury. This service is designed for the millions of Americans who struggle with saving for retirement — it’s an easy and safe way to help you take control of your future.  
myRA is designed for people who don’t have a retirement savings plan through their employer, or are limited from other savings options. If your employer provides a retirement savings plan, such as a 401(k), learn more about that plan’s potential for matching contributions or other benefits.
Since myRA isn’t connected to any employer, it allows workers to hold on to it when they move to different jobs. myRA makes your money grow faster than a traditional savings account. 
Having both my Social Security and myRA accounts in place, you’re guaranteed to hit a home run in successfully planning for your future. Learn more about all of your choices at www.socialsecurity.gov.

NOMINATIONS OPEN FOR LAURA CHOATE RESILIENCE AWARD

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Award to be Presented at Oklahoma Kids Count Conference

 

Nominations are now open for the 2016 Laura Choate Resilience Award.
The Laura Choate Resilience Award will be presented in November at the 2016 Oklahoma Kids Count Conference, sponsored by the Oklahoma Institute for Child Advocacy (OICA) and Sunbeam Family Services.
The award was created to celebrate individuals who have been significantly impacted by adverse childhood experiences but have overcome obstacles, made a lasting contribution to the lives of young people, exhibit bravery and demonstrate dedication to fostering resilience in youth by exhibiting the characteristics of the “7 Cs of Resilience:” competence, confidence, connection, character, contribution, coping and control.
This award is named for Laura Choate who has served as a lifelong advocate for Oklahoma children and was the first recipient of the Resilience Award. Choate has worked with the OICA to reform the state’s child welfare and juvenile justice system to better serve and protect Oklahoma children. As a youth, Choate served as a plaintiff in a class-action lawsuit that resulted in dramatic changes to Oklahoma’s juvenile justice system and was used as a model by many other states to establish higher standards.
Last year’s Resilience Award was presented to Treba Shyers, an advocate for children in the foster care system who serves as adjudication and post adjudication review board coordinator for the Tulsa County Juvenile Bureau.
Nominations are due July 29 at 5 p.m. and can be made online at http://oica.org/laura-choate-resilience-award/.
The Oklahoma Kids Count Conference is the state’s premier event providing training to improve the lives of Oklahoma children and discuss issues impacting children in the state. Topics for discussion at this year’s conference include: foster parent training, early childhood development, mental health, substance abuse, family preservation and poverty. The conference will be hosted November 2-3 at the University of Central Oklahoma.

Fraud Advisory: Social Security Inspector General Warns Public About Email Phishing Scheme

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The Acting Inspector General of Social Security, Gale Stallworth Stone, is warning citizens about a suspicious email “phishing” scheme that recently surfaced. The Office of the Inspector General (OIG) received reports that several hundred employees of a private company, with offices across the country, recently received an email message that appears to be from the Social Security Administration (SSA). The message alerts a recipient of “unusual” activity with his or her Social Security number (SSN).
The email subject line reads, “Review Your Social Security Activity”, and while the email sender displayed is “Social Security Administration,” the corresponding email address is ceriley@centurytel.net. The message includes a PDF attachment with the heading “Notification.” It advises the recipient, “We detected something unusual about a recent use of your SSN” and “to help keep you safe, we required an extra security challenge.” The message states that if the recipient did not recently use his or her SSN, then a “malicious user” might have misused the recipient’s number. It asks the recipient to review recent activity via an embedded link, which links to a suspicious SSA-like site. Further, to appear legitimate, the notice includes SSA’s official seal and the words “Social Security Administrator, United States Of America” in the signature.
This type of phishing scheme could lead to identity theft or Social Security benefit theft. Therefore, Acting Inspector General Stone urges all citizens to be extremely cautious when receiving requests to provide personal information over the internet or the telephone. “Don’t provide your Social Security number, bank account numbers, or other personal information, including account passwords, over the internet or by telephone unless you know and trust the source requesting it,” Stone said. “You should be extremely confident that the source is a legitimate entity, and that your information will be secure after you provide it.”
Before clicking an embedded email link, try to verify the source. One method of verifying the true source is to hover over the linked text, without clicking, to reveal the destination address. For instance, in the email described above, the attachment includes the text “Review your activity,” which links to www.ssa.gov.kerodun.net/activity. While ssa.gov appears in the destination address, the “kerodun.net/activity” portion of the address is suspicious; users should be vigilant of similar questionable web addresses.
If a person has questions about any communication—email, letter, text, or phone call—that claims to be from SSA, Stone recommends contacting a local Social Security office, or calling Social Security’s toll-free customer service number at 1-800-772-1213, 7 a.m. to 7 p.m., Monday through Friday, to verify its
Fraud Advisory
legitimacy. (Those who are deaf or hard-of-hearing can call Social Security’s TTY number at 1-800-325-0778.)
Individuals may report suspicious activity involving Social Security programs and operations to the Social Security Fraud Hotline at https://oig.ssa.gov/report, or by phone at 1-800-269-0271, 10 a.m. to 4 p.m., Eastern Time, Monday through Friday. (Those who are deaf or hard-of-hearing can call the OIG TTY number at 1-866-501-2101.)
For more information, please contact Andrew Cannarsa, the OIG’s Acting Communications Director, at (410) 965-2671.

Local non-profit organization celebrates 25 years

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http://okchearingloss.publishpath.com/

By Ron Hendricks

Hearing Loss Association of America Central Oklahoma Chapter (HLAA) celebrates 25 years of service to Oklahomans.
HLAA is a 501(c)(3) group that exists to support those who have a hearing loss. HLAA is a support group, but is so much more. HLAA educates people with hearing loss to help them learn to live successfully in a hearing world. HLAA lobbies locally and nationally for Medicare and insurance support for hearing aids. Hearing loss is a disability protected by the Americans with Disabilities Act of 1990. HLAA offers information on listening assistive devices thru the Faye Donalson Hearing Helpers Room. HLAA gives scholarships to students desiring a higher education.
Hearing Loss Association exists for the purpose of creating a safe place for those with hearing loss and those who love ‘em to gather and talk about hearing loss and many other subjects of interest. We offer a safe place for our members to learn to get along in a hearing world. Our national association, Hearing Loss Association of America is a major lobbying organization. They have worked; to get our Congress to enact legislation to include hearing aids in insurance policies; to get movies and TV to caption their products; to reach out to the military to assist returning GIs; create awareness among the general population of the needs of the hearing impaired; to the professionals in the hearing industry; to business & local governments to create hearing friendly environments for people with hearing loss and on and on and on. Our local group is an extension of all that.
An ice cream social will mark HLA’s 25th Anniversary. The social will be held on August 6th, 2-4PM, at the Lakeside Methodist Church, 2925 NW 66, OKC., Oklahoma City and is open to the public at no admission charge. At that time HLAA will also recognize the two scholarship winners, Ashton Darling attending Oklahoma State University and Shaun Bainter who will be attending Oklahoma University.
There was recently a cartoon published where a husband and wife were sitting on the couch. He said to her, “Turn on the light, please, so I can hear you.” She responded, “I know what you mean, I can’t hear you without my glasses.” It would be funny if it weren’t for the fact that something like one million Oklahomans live with a hearing loss. Many Oklahomans with hearing loss will augment what hearing they have by reading lips. So do your friends a favor by not covering your mouth when you speak, and look at them when you talk, that is only a common courtesy any way.
Summer is fast approaching and activities loom on the horizon — concerts, plays, lake and pool activities, and many more. But, imagine that you can only partially hear the music, the laughter of friends, or that you miss out on family conversations around the dinner table. Hearing loss is a major, and invisible, problem. Hearing loss is no respecter of age, race, or sex. Hearing Loss Association of America Central Oklahoma Chapter (HLAA) has been working for 25 years to help those with a hearing loss live in a hearing world.
May was good hearing month so HLAA asks, “What have you done to protect your hearing?” Our hearing is assaulted daily by damaging sounds. The sound of a lawn mower is enough to cause hearing damage. Imagine what loud music introduced directly into the ear with ear buds might so. Concerts, motors, even driving with the windows down create enough noise to harm your ears. There are several ways to protect your hearing; move away from the sound, turn down the volume, or wear some hearing protection are just a few.
Many ignore the fact that they are having problems hearing. Do you find that you often ask others to repeat themselves? Do people tell you that you have the TV turned too loud? Does everyone mumble? May be it is time to admit that your hearing is getting weak. HLAA encourages you to see a hearing professional. HLAA can assist if you have questions. Yes hearing aids are expensive and in most cases health insurance is no help. HLAA is working to encourage insurance companies to cover the cost of hearing exams and hearing aids.
Hearing loss will continue to grow in the future with thousands of our finest young men and women returning from active military duty. Hearing loss the most prevalent injury among returning veterans so HLAA is very actively developing programs to assist the veteran.
The annual national HLAA convention is held each June to highlight and inform members of technical and medical advancements in the hearing industry. Nationally known speakers, workshops, and Continuing Education Units are a major part of the convention. The Central Oklahoma Chapter is proud to announce that one of our members, Wanda Evans, received an award for Spirit of HLAA at the most recent convention. HLAA offers 17 awards nationally and our local chapter regularly brings home awards.
Central Oklahoma Chapter of HLAA is extremely proud of our Faye Donalson Hearing Helper’s Room. The Hearing Helper’s Room (HHR) displays many assistive listening devices and is staffed entirely by volunteers. We think this is the only facility like it in the entire country. Yes there are other places where you can see and buy items but these ‘stores’ are normally operated as a business or governmental agency and have a paid staff. Our HHR is a demonstration room only. You cannot buy anything here. You may take an item home for a trial at your leisure. If you have questions the volunteers are extremely knowledgeable and are able to direct you to a professional for assistance. The HHR was established 18 years ago by our member, Faye Donalson and we are proud to have her name on our door.
The Mission Statement of Hearing Loss Association of America states that our goal is to open the world of communication to people with hearing loss by providing information, education, support and advocacy. HLAA’s primary purpose is to educate ourselves, our families, friends, coworkers, teachers, hearing health care providers, industry, government, and others about hearing loss. And we advocate for communication access in the workplace, hotels, schools, court systems, medical, and entertainment facilities. We invite you to be a part of HLAA. Visit our website at www.OKCHearingLoss.org

SAVVY SENIOR: Who’s Eligible for Social Security Survivor Benefits?

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Dear Savvy Senior, Who all is eligible for Social Security survivor benefits? My ex-husband died last year at the age of 59, and I would like to find out if me, or my two kids – ages 13 and 16 – that we had together are eligible for anything?  Divorced Widow

Dear Divorced,
If your ex-husband worked and paid Social Security taxes, both you and your kids may very well be eligible for survivor benefits, but you need to act quickly because benefits are generally retroactive only up to six months. Here’s what you should know.
Under Social Security law, when a person who has worked and paid Social Security taxes dies, certain members of that person’s family may be eligible for survivor benefits including spouses, former spouses and dependents. Here’s a breakdown of who may be eligible.
Widow(er)’s and divorced widow(er)’s: Surviving spouses are eligible to collect a monthly survivor benefit as early as age 60 (50 if disabled). Divorced surviving spouses are also eligible at this same age, if you were married at least 10 years and did not remarry before age 60 (50 if disabled), unless the marriage ends.
How much you’ll receive will depend on how much money (earnings that were subject to Social Security taxes) your spouse or ex-spouse made over their lifetime, and the age in which you apply for survivors benefits.
If you wait until your full retirement age (which is 66 for people born in 1945-1956 and will gradually increase to age 67 for people born in 1962 or later), you’ll receive 100 of your deceased spouses or ex-spouses benefit amount. But if you apply between age 60 and your full retirement age, your benefit will be somewhere between 71.5 – 99 percent of their benefit.
To find out what percentage you can get under full retirement age visit ssa.gov/survivorplan/survivorchartred.htm.
There is, however, one exception. Surviving spouses and ex-spouses that are caring for a child (or children) of the deceased worker, and they are under age 16 or disabled, are eligible to receive 75 percent of the worker’s benefit amount at any age.
Unmarried children: Surviving unmarried children under age 18, or up to age 19 if they’re still attending high school, are eligible for survivor benefits too. Benefits can also be paid to children at any age if they were disabled before age 22 and remain disabled. Both biological and adoptive children are eligible, as well as kids born out of wedlock. Dependent stepchildren and grandchildren may also qualify. Children’s benefits are 75 percent of the workers benefit.
Dependent parents: Benefits can also be paid to dependent parent(s) who are age 62 and older. For parents to qualify as dependents, the deceased worker would have had to provide at least one-half of the parent’s financial support.
But be aware that Social Security has limits on how much a family can receive in monthly survivors benefits – usually 150 to 180 percent of the workers benefit.
You also need to know that in addition to survivor benefits, surviving spouses or children are also eligible to receive a one-time death benefit of $255.
Social Security also provides surviving spouses and ex-spouses some nice strategies that can help boost your benefits. For example, you could take a reduced survivor benefit at age 60, and could switch to your own retirement benefit based on your earnings – between 62 and 70 – if it offers a higher payment.
Or, if you’re already receiving retirement benefits on your work record, you could switch to survivors benefits if it offers a higher payment. You cannot, however, receive both benefits.
You also need to know that if you collect a survivor benefit while working, and are under full retirement age, your benefits may be reduced depending on your earnings.
For more information, visit ssa.gov/survivorplan or call 800-772-1213.

Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

ST. ANTHONY HOSPITAL OPENS PAVILION

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The recently opened St. Anthony Pavillion was designed by Rees and Associates and constructed at a cost of $53 million with Turner Construction Company as general contractor.

St. Anthony Hospital opened its new Pavilion on Wednesday, June 22. The Pavilion, located on the east side of the campus and accessible from its Walker Avenue entrance, houses a new 36 bed emergency department, two 24 bed intensive care units, and a 24 bed progressive care unit. The 111,000 square foot, four-story facility project represents the crowning point of the hospital’s $220 million campus expansion plan announced in 2004 after it affirmed its decision to stay in Midtown. The emergency room is the first department to open in the new facility on June 22, followed by the opening of the new progressive care unit and the two new intensive care units over the next two weeks.
“We are excited about the Pavilion completion, as it represents significant enhancements for the benefit of our patients,” stated Tammy Powell, president, St. Anthony Hospital. “Our new emergency room, intensive care units and progressive care unit expand our capacity to accommodate the growth of patients seeking care through our state-wide rural affiliate network and four St. Anthony Healthplex campuses in Oklahoma City. The facility features many medical care advancements to improve upon the exceptional care we provide as well as improve the patient and visitor experience.”
The Pavilion expands the St. Anthony Emergency Room to 34 exam rooms and increases the hospital inpatient beds by 72. St. Anthony Hospital’s total inpatient licensed beds with the new expansion is 774 beds.
In 2003, St. Anthony Hospital announced it was contemplating a move because the Midtown area was in significant decline. Dilapidated buildings were common place in Midtown, and very little business investment was occurring outside of the hospital complex. In 2004, after collaborating with community and civic leaders, the hospital made the decision to stay in its 100+ year home. St. Anthony revealed an aggressive redevelopment plan for its campus. The City of Oklahoma City committed to provide assistance with streetscapes and traffic flow improvements. Over the past 12 years, the hospital invested in upgrades of patient care and common areas, redesigned and expanded its east entrance, opened a new medical office building, rehabilitation unit and $30 million surgery center, and completed numerous campus beautification projects.
City improvements in the area included the construction of two roundabouts as well as numerous streetscape projects. The City also offered assistance with the removal of dilapidated buildings. As improvements in the area were made, Midtown became an attractive area for developers. Today, Midtown is vibrant as a walkable community with restaurants, entertainment, housing and retail growth.
Rees and Associates were the architects for the $53 million project, and Turner Construction Company was the general contractor.

July AARP Drivers Safety Classes

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Date/ Day/ Location/ Time/ Registration #/ Instructor
July 7/ Thursday/ Okla. City/ 9:30 am – 4 pm/ 951-2277/ Edwards
Integris 3rd Age Center – 5100 N. Brookline suite 100
July 8/ Friday/ Okla. City/ 9 am – 3:30 pm/ 951-2277/ Edwards
S.W. Medical Center -4200 S. Douglas, Suite B-10
July 12/ Tuesday/ Midwest City/ 9 am – 3:30 pm/ 691-4091/ Palinsky
Rose State, Professional Tng. & Ed. Ctr. – 1720 Hudiberg Drive
July 15/ Friday/ Okla. City/ 9 am – 3:30 pm/ 297-1455/ Palinsky
Will Rogers Senior Center – 3501 Pat Murphy Drive
July 19/ Tuesday/ Edmond/ 9 am – 3:30 pm/ 210-6798/ Palinsky
AARP State Office – 126 N. Bryant
July 22/ Friday/ Okla. City/ 9 am – 3:30 pm/ 752-3600 478-4587/ Reffner
Mercy Hospital – 4300 W.Memorial Rd.
July 25/ Monday/ Shawnee/ 9 am – 3:30 pm/818-2916/ Brase
Shawnee Senior Center – 401 N. Bell St.
Aug 4/ Thursday/ Okla. City/ 9:30 am – 4 pm/ 951-2277/ Palinsky
Integris 3rd Age Life Center – 5100 N. Brookline, Suite 100
Aug 16/ Tuesday/ Norman/ 9 am – 3:30 pm/ 307-3176/ Palinsky
Norman Regiional Hospital – 901 N. Porter
Aug 19/ Friday/ Okla. City/ 9 am – 3:30 pm/ 376-1297/ Palinsky
Woodson Park Senior Center – 3401 S. May Ave.
Sept 1/ Thursday/ Okla. City/ 9:30 am – 4 pm/ 951-2277/ Edwards
Integris 3rd Age Life Center – 5100 N. Brookline, Suite 100
Sept 7/ Wednesday/ Norman/ 9 am – 3:30 pm/ 307-3176/ Palinsky
Fowler Toyota – 4050 Interstate Drive
The prices for the classes are: $15 for AARP members and $20 for Non-AARP. Call John Palinsky, zone coordinator for the Oklahoma City area at 405-691-4091 or send mail to: johnpalinsky@sbcglobal.net

Prescription Drug Abuse Threatens Lives of Oklahomans

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It is no secret that prescription drug abuse is Oklahoma’s largest drug problem, taking a toll on too many Oklahomans and their families. Of the more than 5,300 unintentional poisoning deaths in Oklahoma from 2007 to 2014, about 80 percent involved at least one prescription drug and nearly 90 percent of those deaths involved prescription painkillers (opioids).
In recent years, the numbers of unintentional poisoning deaths have surpassed deaths from motor vehicle crashes. More unintentional poisoning deaths involve hydrocodone or oxycodone, both prescription painkillers, than alcohol and all illicit drugs combined. Adults ages 35-54 years have the highest death rate of any age group for prescription overdoses.
The Oklahoma State Department of Health (OSDH) offers the following suggestions for preventing prescription drug overdoses: * Tell your healthcare provider about all medications and supplements you are taking. Opioids, in combination with other depressants such as sleep aids, anti-anxiety medications, or cold medicine, can be dangerous. * Only take medications as prescribed and never more than the recommended dosage. Use special caution with opioid painkillers. * Never share or sell prescription drugs. * Dispose of unused, unneeded, or expired prescription drugs at approved drug disposal sites. * Call 211 for help finding treatment referrals. * Keep all pain medications in a secure place to avoid theft and access to children. * Keep medicines in their original bottles or containers. * Never drink alcohol while taking medication. * Put the Poison Control number, 1-800-222-1222, on or near every home telephone and cell phone for 24/7 access. * If you suspect someone is experiencing an overdose, call 911 immediately.
For more information on prescription drug overdose prevention, contact the OSDH Injury Prevention Service at (405) 271-3430 or visit http://poison.health.ok.gov. For help finding treatment referrals, call 211. To report illegal distribution or diversion of prescription drugs, call the Oklahoma Bureau of Narcotics and Dangerous Drugs Control at 1-800-522-8031.

Battle at the scale: How your body fights to regain lost weight

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A regular exercise regimen appears to be the best hope for those who have lost weight to maintain that new body weight. Here, Oklahoma Medical Research Foundation employees Anne Zike, Kelie Ashley and Jonathan Myers attend a Tabata class.

Losing weight is hard. But as anyone who has dropped a few pants sizes can tell you, keeping it off can be every bit as challenging.
It turns out, though, that it likely takes more than just staying committed to a maintenance diet once you reach your goals. Scientists believe your body might actually be fighting to get back to where it was previously in a phenomenon called the ‘set point’ theory.
The idea is that, for some reason, your body has an idea of what weight it wants you to be, said Oklahoma Medical Research Foundation President Stephen Prescott, M.D. So whether you’ve lost 40 pounds or gained 15, your hormones will adjust in an effort to get you back to a particular point.
“A person’s weight may not always go all the way back to the original weight, but there appears to be some kind of intrinsic desire on the body’s part to get back to a certain weight and stay there,” said Prescott. “It’s not been proven scientifically, but there is increasing evidence to support it.”
The set-point theory isn’t new, but it has been re-popularized because of a recent study by scientists at the National Institute of Diabetes and Digestive and Kidney Diseases, who tracked the progress of contestants from the reality television show “The Biggest Loser.” For six years, they followed contestants after they shed massive amounts of weight for the popular competition.
The researchers’ discoveries gave the set-point theory a lot of ammunition, as the former contestants packed the pounds back on regardless of how strictly they adhered to their diets. Some even gained to a point higher than their original weight.
“It was a really dramatic, attention-grabbing example of the theory as it had previously been described,” said Prescott. “It also shows that there are mysteries we don’t quite fully understand, and you can’t just blame people for getting fat again. Some may not follow their diets as closely as they should, but it appears likely that people also end up fighting their own biology.”
Prescott said the study’s findings point to resting metabolism, or basal metabolic rate, which determines how many calories your body burns at rest.
Our bodies burn energy just keeping us alive. Prescott said somewhere around 70 percent of the calories you use each day are going to get burned no matter what, even if you’re just sitting on the couch or at your desk.
Your age, muscle mass, fitness level and height all contribute to how many calories your body burns. But the findings presented a paradox: The people who gained the weight back appear to have lower metabolic rates than expected based on these factors.
“It’s thought that this could be a result of a complex interplay between hormones that regulate how our bodies burn energy,” said Prescott. “These people were not burning as many calories as you would think based on their height, weight or age. They were gaining weight even on what would be considered a maintenance diet.”
In other words, if you should be burning around 2,000 calories on a maintenance diet based on your personal combination of factors but you have recently lost 20-30 pounds, your actual metabolic rate might have dropped to somewhere around 1,700 or so.
So if your body is determined to gain the weight back even after all your hard work to lose it, does this mean it’s time to throw in the towel and raid the freezer for that pint of rocky road?
“That’s a little too dramatic,” said Prescott. “There may be a tendency to do that, but I think there is hope that there are things you can do to alter or reset your set point.”
To influence this process in your favor, the best solution may rely on an old standby—the gym.
“An exercise regimen often leads to more success in maintaining a new, lower weight,” said Prescott. “Maintaining your new weight may tough, but increased understanding can help you start to rebuild your behavior and habits around a new number for better long-term outcomes.”

SAVVY SENIOR: 10 Ways Seniors Can Avoid Identity Theft

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Dear Savvy Senior, What can seniors do to protect themselves from identity theft? My brother-in-law, who’s 77, recently had his identity stolen and I want to make sure it doesn’t happen to me. 10 Ways Seniors Can Avoid Identity Theft

Dear Worried,
Great question! Each year around 17 million people fall victim to identity theft, which happens when someone gets access to your Social Security number, bank or credit card account number, or other identifying information and uses it to steal from you. Here are some free steps you can take to reduce your risks.
Guard your personal information: Never give your Social Security number, credit card number, checking or savings account numbers to anyone unless you initiate the contact. Also, do not carry your Social Security card around in your wallet or purse, and don’t carry around your Medicare card either unless you’re going to the doctor.
Get off mailing lists: Put a stop to preapproved credit-card offers, which is a gold mine for ID thieves. To do this visit optoutprescreen.com or call 888-567-8688 – they will ask for your Social Security number and date of birth. You can stop other junk mail at dmachoice.org, and reduce telemarketing calls at donotcall.gov.
Use strong passwords: To safeguard your personal data on your smartphone or tablet don’t use a password that’s easy to hack, like 1234 or 0000. Also, make your computer passwords more than 8 characters long, with uppercase and lowercase letters, numbers, and symbols like # and %, and use different passwords on different accounts. If it’s hard to remember them, try a password manager service like dashlane.com, truekey.com or lastpass.com.
Be wary of unknown emails: Never click on links in emails from strangers, or those that claim to be from the Social Security Administration, IRS or other government agencies, or from your bank, phone or credit card company warning of a “problem.” This can result in identity-stealing malware being installed on your computer. To protect your computer from malware, install antivirus software (see avg.com and avast.com for free options) and set up automatic security updates and full weekly scans.
Secure your mail: Empty your home mailbox quickly or buy a locked mailbox to deter thieves. And mail outgoing payments from a U.S. Postal Service mailbox or the post office, not from your more vulnerable home mailbox.
Get safer credit cards: If you don’t already have one, get an EMV chip credit card from your credit card provider. They’re much more difficult for fraudsters to hack than magnetic strip cards.
Shred unneeded documents: Buy a crosscut paper shredder so you can shred all unneeded records, receipts, statements, preapproved credit offers or other papers you throw out that has your financial or personal information.
Monitor your accounts: Review your monthly bank and credit card statements carefully, and see if your bank or credit card issuer offers free alerts that will warn you of suspicious activity as soon as it’s detected. If they do, sign up for them or use eversafe.com, which will do it for you for a small fee.
Watch your credit: Check your credit report at annualcreditreport.com or call 877-322-8228. You can receive one free report a year from each of the three major credit bureaus (Equifax, Experian and TransUnion), so consider staggering your request so you can get one free copy every four months.
Set up security freezes: If you don’t plan to apply for new credit, loans, insurance or utility services, freeze your credit reports so crooks can’t open up new accounts in your name. Rules vary by state, but the $5 to $20 fee is waived if you’re 65 or older, or show proof of past ID theft. Security freezes are set up at all three credit bureaus at equifax.com, experian.com and transunion.com.

Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

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