FRHS Class of 1962

Classmate Connection

Unfortunately, some of the nicest weather and foliage during the year is accompanied by an onslaught of allergens. As pollen fills the air, people afflicted by seasonal allergies begin to groan.

Like millions of Americans, seniors are not exempt from bothersome allergy symptoms. However, seniors often have complicating factors such as chronic diseases that can make it difficult to manage and treat their watery eyes and stuffy noses.

Christopher Randolph, MD, a member of the American Academy of Allergy, Asthma, and Immunology’s Asthma & Allergic Diseases in the Elderly Committee, offers the following suggestions to help caregivers make allergy season more bearable for their loved ones:

  1. Look for the signs. Allergies don’t discriminate between the young and the old. Dr. Randolph says that people falsely assume the elderly do not get seasonal allergies when they are just as likely as anyone else to be affected when spring blooms begin to appear. In fact, adult-onset allergies are not unusual. Caregivers should be on the lookout for the traditional signs like sneezing, a runny nose and itchy eyes so they can nip them in the bud.
  2. Inform their doctor. Dr. Randolph points out that it can be difficult for a physician to diagnose allergies in older individuals, especially when they’re focused on catching and managing larger health issues. Allergy symptoms can easily take a backseat to more weighty symptoms, like pain, depression and changes in memory. Patients with Alzheimer’s disease or other types of dementia may not be able to articulate their discomfort either. If you suspect that your loved one may have allergies, definitely inform the doctor of your concerns.
  3. Be aggressive. “Allergies have a larger impact on the lives and health of the elderly,” explains Dr. Randolph. It makes sense; allergy symptoms, such as a nasal congestion and an irritated throat can be extremely dangerous for seniors with pre-existing cardiovascular problems or lung disease. This is why Dr. Randolph feels that allergies in the elderly should be treated as rapidly and aggressively as possible.
  4. Avoid traditional antihistamines. Antihistamines, the class of drug most commonly prescribed to treat allergies, can be dangerous to seniors. Potential side effects from these medications, especially older varieties, include confusion, drowsiness, urine retention, dry mouth and eyes, and dizziness. In addition to these symptoms being irritating, they can contribute to dangerous falls and even urinary tract infections (UTIs). Furthermore, Dr. Randolph says that antihistamines can potentially cause changes in mood or behavior in the elderly and may lead to dangerous interactions with other commonly prescribed medications.  Instead of reaching for an over-the-counter antihistamine, speak with your loved one’s doctor or pharmacist about alternative allergy treatments. They will likely recommend a nasal steroid or some form of topical medication.
  5. Try drug-free solutions. Seasonal allergies are triggered by increases of pollen and mold in the environment. Minimizing exposure to these allergens is an obvious way to avoid bothersome reactions. This is not always easy, but  a few lifestyle changes can help.  Getting outside to breathe in the fresh air, exercise and soak up a little sun is very important for seniors, but doing so during allergy season can leave them feeling worse afterwards. Weather forecasts these days typically include a pollen count or allergy forecast. Use this to your advantage and try to avoid planning outdoor activities for when outdoor allergens are particularly high. If you and your loved one must go outside, remember to wear sunglasses to avoid eye irritation. As soon as you come home, make a point of washing your hands, showering and changing into fresh clothes to avoid introducing allergens into the house. If you and your loved one enjoy opening the windows for fresh air, try to do so only on low pollen days as well.  Make sure that your air conditioning unit is serviced regularly and equipped with a High Efficiency Particulate Air (HEPA) filter that can remove allergens from outside air to keep them from entering and circulating around the house. If your loved one also has indoor allergies to things like dust and pets, they may benefit from using an air purifier.      




This message is being posted in an effort to determine whether the FRHS website should be discontinued. 

At this point, this website is due to expire at the end of the current year.  There are fees required in order to maintain the required "license" to continue.  So, the question is whether the costs to operate the website are justified.  The approximate cost is $150 to $175 every 2 years.  To date, the Class of '62 has been supporting the website.

At the present time, usage of the features on this site has been minimal.  Most viewers do not post messages or images to share.  Most viewers simply "check in" to view the site without taking advantage of the available options.  If you feel this website should be continued, please let us know.  Otherwise, this site will shutdown in December of this year.

Please respond on this site or by email to and let us know what you think.


Pastoral Notice from St. Peter’s Church, Freehold, NJ

On behalf of Nancy and Don Ollwerther, we sadly share that Nancy's sister, Cheryl Read Vota, died following a long illness.  Her family and loved ones were with her at time of passing. 

Cheryl was a life-long member of St. Peter's and was heavily involved in the greater Freehold community.  She will be missed by all who knew her.

Cheryl's funeral service will be conducted at St. Peter's on Saturday, March 9, 2019 at 10 AM. 

Visitation will be held Friday, March 8, from 5 pm - 8 pm, at Freeman's Funeral Home located at 47 East Main St, Freehold, NJ.

More Sad News                                   February 25, 2019

Ronald Udy Woodstown, N.J. Ronald Udy, age 84 of Woodstown, died Tuesday, February 19, 2019, in his home with his family by his side. Born and raised in Trenton, son of the late F. Edgar & Helen Walsh Udy, Ron had lived in Woodstown for over 41 years. He earned his Bachelor's degree in Education from the NJ State Teacher's College in 1957 and his Masters of Arts degree from Trenton State College in 1968. He began his career as a Physical Education teacher and coach at Freehold High School, and he worked as Physical Education teacher, coach, and Assistant Principal of Lawrence High School, as Principal of Woodstown High School, as School Superintendent of Woodstown-Pilesgrove School District, and as Interim School Superintendent at Cumberland Regional School District, Greenback Township School District, and Shiloh School District. He served on the Woodstown-Pilesgrove Regional Board of Education, served as an Educational Consultant for the DuPont Partners in Science program, as the Director of the Salem County Health Department, as a committee member of the Middle States Association of Colleges and Schools, and as a Sergeant at Arms for the New Jersey General Assembly. He was a member and Elder at Woodstown Presbyterian Church, a member of the Woodstown Rotary, of the NJ Education Association and NJ Schools Administrators Association, and of the Phi Delta Kappa Fraternity. Ron is survived by his wife of over 61 years, Sally (nee Musson); his daughter, Sharon Udy-Januczuk; his son & daughter-in-law, Brian & Lisa Udy; his son, Kevin Udy; eleven grandchildren and two great-grandchildren. In addition to his parents, he was predeceased by his brothers, Leonard, David, and E. Norman. A memorial service will be held at 11 AM on Saturday, February 23rd in the Woodstown Presbyterian Church, 46 Auburn St. in Woodstown. Guests will have the opportunity to greet his family immediately after the service in the fellowship hall. In lieu of flowers, please make donations in honor of Ronald Udy to the Alzheimer's Association via or send checks to: 399 Market St., Suite 102, Philadelphia, PA, 19106, or make donations in his honor to The Woodstown Rotary Foundation, P.O. Box 431, Woodstown, NJ 08098. Please visit to leave a note of condolence to his family. Arrangements are by the H.T. Layton Funeral Home & Cremation Service. H.T. Layton Funeral Home & Cremation Services 102 S. Main St. Woodstown, NJ 08098 856-769-1515

Sad News                                     February 25, 2019

It is with sadness we share this post from classmate William Levin:                         
                                                                                                                                             Obituary for Richard Allen Bartel, Sr. Surrounded by his family, Richard Bartel, Sr. passed away on February 5th, 2019. Richard was a native of New Jersey and last lived in Chesapeake, VA. Richard was the son of the late Angelo Bortolametti and Olliean Bortolametti. He earned his Master of Education degree from Monmouth College. He was a Math and Science teacher until he retired. Left to cherish his memory are his wife Barbara Bartel of 50 years, his brother Jack and sister-in-law Martha, his children Melissa, Whitney, and Richard Jr., and his grandchildren Andrew, Waylen, Trevor, and Nicholas.

We extend our heartfelt condolences to Richard's family and loved ones.

The FRHS Class of 1962

Agree With Me Or, I Will Hurt You!  February 23, 2019

OK, I admit it. I am not opposed to guns. I own guns, but I am not compelled to possess more of them than the local National Guard unit. I like to shoot, but I don’t hunt. I belong to the NRA, but I don’t always vote for the political candidates they endorse. So, I guess I’m kind of a moderate when it comes to the whole gun thing. However, I do have a comment in response to the arguments I hear on the news networks following every incident involving a gun. I am baffled as to why so many of the so-called experts would rather debate the use or, misuse of guns rather than the underlying issues in our society. The logic they seem to employ is the kind that would suggest it’s the pencil’s fault every time someone misspells a word. Only a very few of these experts even mention what should be their greater concern and that is our culture’s repeated displays of and fascination with violence. It seems a more pervasive issue than the guns themselves.

Violence is born out of ignorance and intolerance and, I believe, it comes in many different forms. Most often, violence is thought of as that kind of behavior which results in physical harm such as that which is perpetrated with guns. It’s the kind of behavior that takes place between individuals, or between groups of individuals, or between groups and individuals, or, in the worst case, between nations. However, there are other forms of violent behavior which can be just as harmful and are utilized at least as often as the physical kind.

Intellectual violence, for example. When one individual, group or nation uses intellectual capacity to inflict harm on others by withholding information or, giving intentionally misleading information to gain some perceived advantage might be considered a form of intellectual violence. Similarly, when an individual or a group of individuals uses an elitist influence such as that frequently found in academia to achieve their own purposes might also be considered intellectual violence on their naive victims. I doubt I am the only one who recognizes this kind of violence.

Then there’s the question of emotional violence. This form occurs when one individual manipulates the emotions of another to gain some advantage as is often seen in situations described as domestic violence. Sadly, when that doesn't work to the perpetrator's satisfaction, it is typically combined with a physical assault of some kind to get the effect desired. It's probably a safe bet that each one of us knows at least one person who has been victimized in this manner. That is, if you're not a victim yourself.

Equally frightening and perhaps more damaging than emotional violence is spiritual violence. This occurs when an individual or individuals use another person's or group's theology against them as a weapon to influence and overpower them for purposes of satisfying their own personal agendas and/or needs. Many of my Catholic friends are wrestling with feelings around this kind of abuse of late.

What about the bigger picture, you say? What about violence in its totality? Still don’t see a problem? Then just turn on your television. It won’t take you more than five minutes to find someone talking about a recent shooting, stabbing, domestic altercation, rape, kidnapping, murder, robbery, or some other malfeasance both public and private. Is there anyone who’s never heard of “Live PD”? If those topics don’t satisfy your base desire to be a “bystander” to someone else’s misery, try watching or listening to the “news networks”. They seem to thrive on the most violent of behaviors not just in our neighbors, but in that which can be found in nations around the globe. Even those channels which portend to be about history or science seem to have a propensity for the more violent periods in our past like wars and revolutions or, the most dangerous of the planet’s exotic creatures or, the most devastating global natural events. Even “prime time” television hours are populated with fictionalized stories utilizing violence as entertainment in case you get tired of the “real thing”. And, we all watch if for no other reason than to be able to say, “Gee, I’m glad it wasn’t me.”

What we should be talking about are the root causes of the problem. Things like “diversity” which, in its extreme, may be a big part of the problem. Diversity in its purest form breeds distrust, even hatred, among individuals, groups, and even nations. When diversity takes control, compromise and understanding are near absent. Diversity thrives on ignorance and intolerance, the same menu as that of violence. Astonishingly, many considered part of an elite class in this country seem to be promoting even greater class separatism under the guise of diversity by arguing for the elimination of national borders. And, yes, I know this country was built by diverse groups who came here as immigrants. However, the distinction being, those who came earlier, like my grandparents who never heard about diversity, came with the understanding they were to adopt a common language, common values, and share in a “unified” allegiance to this country. Not the fallacy being promoted today.

If we are to believe we can gain control of violence, we must confront our own individual ignorance and intolerance. We need to re-evaluate those morals and values we are supposed to be teaching our children, especially immigrant children. As more diverse, single-parent, mixed parent, same-sex parent, and no-parent households parade in lock-step with those among our nation's population who are marching toward becoming a more secular society, the teaching of self-respect and respect for others seems to wane. Too many of our children are being taught to isolate rather than integrate. And, the more they isolate, the more they adopt a kind of narcissistic view of the(ir) world. Consequently, what doesn’t please them becomes a focus of their dislike, even hatred, and, more often than not, they respond in the only way they’ve been socialized to respond – alone and with violence. If you doubt this, remind yourself of how many “mass shootings” or multiple-victim stabbings you’ve read, seen or heard about over the past six months. And, in most cases, the perpetrator was probably described as being “such a nice quiet guy who kept to himself.”

The gradual erosion of morals and values, the instability of the “family unit”, the devaluation of our Judeo-Christian concepts combined with a broadening emphasis on diversity at all levels of our social system are causing many to feel isolated and distrusting of anyone not part of their own diverse group. When diversity takes this form, it breeds ignorance and intolerance. It’s not much of a leap from there to that place where violence becomes a “tool” for the expression of this distorted reality – “Agree with me or, I will hurt you."

So, will more rules work when it comes to guns? Probably not. If we continue to avoid confronting the roots of our inherent violence, it will persist, but only as a symptom of the greater malignancy growing deep within our culture.

Just sayin'...


Comments welcomed.

It's That Time of Year Again!      February 25, 2019

If crooks (“scammers”) reach out to you during this current tax season, it will likely be through one of these two avenues – phone calls or emails. It’s important for you to know the following about each potential attack.


Fake Phone Calls

First, scammers will fraudulently alter their “Caller-ID” so it reflects an IRS phone number and not the actual number they are using. Next, they will falsify their names and titles, in an attempt fool you by attempting to create some sort of legitimacy to their fraudulent identity. Then, they will do one of two things: (1) they will claim you have an outstanding debt with the IRS which must be paid immediately over the phone, or, (2) they will claim to have a refund for you that wasn’t properly distributed and they need your personal information to process the refund.  Neither of these claims is true.


“Phishing” Emails

At the same time, scammers have found sending malicious phishing (a neologism created as a homophone of “fishing” due to the similarity of using a bait in an attempt to catch a victim) emails to the masses is a much faster payday than individually calling people. These emails have one primary goal — to generate urgency for the reader to act. This action may be clicking on a link, calling a phone number, or downloading an attachment. The email will likely make similar claims as the phone scams, either the victim “owes” funds, or is getting “refund”. Regardless — it is fake.


Don’t Fall for This

It is important users understand, the IRS will never reach out to you via telephone or email. If you legitimately owe the IRS money, or are privy to an additional refund, they will reach out to you via the United States Postal Service, either through standard or certified mail.  Also, the IRS will never require you to make a payment through a certain payment method, like a prepaid credit card. Nor will they threaten to notify local authorities if you fail to pay. If you receive a bogus phone call, please let them know you’re aware it is a scam. This should get them to remove the phone number from their list, since they know it’s a waste of time. If you receive a phishing email, send it to and then promptly delete it.  Do not open any “links” inside the email!


If you’d like confirmation regarding your tax refund or clarification regarding any past-due taxes, you may reach a legitimate IRS staffer at (800) 829-1040. Or, if you are certain you don’t owe taxes and don’t have any tax problems, report the phone call scam to the Treasury Inspector General for Tax Administration at (800) 366-4484.



SENIOR DISCOUNTS                  February 23, 2019

Are You Getting Your Money’s Worth?


The following is a brief list of popular retail shops and services offering discounts to seniors.  Be sure to take advantage of them.  If you know of other discounts and roll-backs not listed here, let us know by commenting on this post!


Cell phone services:

AT&T offers a special Senior Nation Plan for account holders 65 or older for $29.99/mo. It has 200 Anytime Minutes, Mobile to Mobile Minutes, and Nights and Weekends, without roaming and long-distance charges.

Verizon Wireless: Verizon Wireless offers a special 55 plus nationwide unlimited talk and text service plan to customers who are 55 or older. Check to see if your location offer this with Verizon.

Consumer Cellular: Consumer Cellular offers AARP members who are 50 or older exclusive savings on monthly service charges in addition to discounts on accessories.


Grocery stores:

American Discount Stores: 10% off every Monday (62+)

Fred Meyer: Senior Discount: 10% – 15%, depending on dept., first Tuesday of each month (55+)

New Seasons: 10% off every Wednesday most items (65+), 10% off every Tuesday for military


Entertainment venues:

Regal Entertainment Group: Regal Entertainment Group offers up to 30% discount off the regular adult ticket price for ages 60+ (Check your local theatre)

AMC Theaters: AMC Theatres offers discounted ticket prices to customers who are 60 or older with valid photo identification.

Marcus Theaters: Every Friday Marcus Theatres has special admission prices for anyone age 60 and over. Come and enjoy a movie at any Marcus Theatres with our Young at Heart special – only $6.00 for any show that starts before 5:30 PM. Additional charges apply for 3D features. Young at Heart program valid for patrons age 60 and over. Additional charge for 3D, 4DX, UltraScreen DLX, SuperScreen DLX and IMAX. Admission and concession specials available for Friday showtimes before 5:30pm.

Showcase Cinemas: For our patrons, age 60 and older, we offer Senior Wednesdays. Discounted admission is $7.50. Plus enjoy a popcorn & soda for only $4.50

Landmark Theaters: Senior's Day Monday: Seniors enjoy 20% off the posted Senior's admission price and to sweeten the deal, receive 20% off their concession purchase too! So, make Mondays your Movie Day because a great deal never gets old. Check your favorite Landmark Cinemas for showtimes and pricing.


Hotel chains:

Best Western: up to 15% off for 55 and over

Choice Hotels: 10% off for 60 and over (or AARP members)

Hampton: 10% off for AARP members

Holiday Inn: discounts to 62 and over

Marriott: 15% off to 62 and over

Red Roof: 10% off for 59 and over

Motel 6: 10% off to 60 and over

Super 8: discounts for 60 and over


Travel and transportation:

Greyhound: 5% off for 62 and over

Amtrak: 10% off for 65 and over

National Parks Service: discounted senior pass for $80 for 62 and over

Carnival: savings on cruises for 55 and over

Royal Caribbean: reduced prices for 55 and over

Hertz Car Rental: various discounts to those 50 and over

Avis: up to 30% off to AARP members

Payless Car Rental: various discounts to AARP members

Southwest Airlines: various discounts for 65 and over

United Airlines: various discounts for 65 and over

Uber: two free trips on the first day of every month


Popular restaurants:

Applebees: 10% discount

Burger King: 10% discount and discounts on drink items

Chick-fil-A: 20% off during breakfast hours and 10% off during lunch/dinner hours

Denny's: senior menu with discounted prices

IHOP: senior menu as well as 10% off

Sonic: 10% discount

Golden Corral: discounted menu prices for 60 and over

Subway: 10% discount

Wendy's: free drink (or 10% at some locations)

Outback Steakhouse: 10% off for AARP members

White Castle: 10% off for 55 and over



Goodwill: 10% off for 60 and over on Tuesdays

Michaels: 10% off for 55 and over

Hy-Vee: 5% off every Wednesday for 55 and over

Jo-Ann: a senior discount day that included 20% off for 55 and over

Kohl's: 15% discount for 60 and over on Wednesdays

Rite Aid: various discounts for 65 and over including 20% on the first Wednesday of each month

Walgreens: discounts for 55 and over or AARP members

Habitat for Humanity Restore: 20% off on Thursday for 55 and over


Health & beauty:

Great Clips: Great Clips offers various discounts for seniors

YMCA: YMCA offers discounted membership fees for 65 and over


Auto service:

Pep Boys: 10% off for 55 and over

Jiffy Lube: 10% off for 55 and over

Yet Another "Scam Alert"!             February 18, 2019

Hackers have used several different platforms to spread their scams. These have ranged from fraudulent “tech support” websites, malicious social media “posts”, and scam phone calls. In addition, there have been tax scams spread through phone calls and/or fake emails. The options are unlimited — so why would we be surprised that they are now sending text messages claiming you need to call now?

The message shown in the image above was recently sent to an unsuspecting individual. The recipient’s initial reaction was to call the number shown. Fortunately, no call was made and this proved to be a hoax message. The sender hopes to get people to respond and, once engaged, convince them to reveal confidential information which helps the scammer gain access to personal and financial information.

So, beware of these kinds of fake messages. When these “suspicious email activity” alerts are legitimate, they never offer a phone number for you to call to remediate the situation. If you get a message like this, do yourself a favor and delete it immediately.

Independent Living:  A Definition       February 4, 2019


Independent living, in the context of eldercare, is seen as just one step in the continuum of care.  Senior independent living refers to housing communities for senior citizens between the ages of 55 and 65+. People who live in these communities are normally healthy and need minimal support and/or medical help.

Independent living communities are apartments, cottages or condominiums which offer residents the freedom to come and go as they please. Another bonus to independent living is that the communities are strictly set up for senior citizens, so residents are with others in the same age groups. Most independent living communities offer a variety of community and shared programs such as shopping and casino trips. Depending on the independent living community, residents can enjoy a variety of meal plan options, housekeeping services, both inside and outside maintenance and landscaping, assistance with laundry, and other services of convenience. Seniors usually pay for independent living out of their own assets, and, if eligible, veteran benefits may offer some assistance as well.

Retirement homes, retirement centers and senior apartments are other terms used for independent living.  The physical structures of facilities that qualify as independent living residences are very diverse. Planned communities may consist of single-family or attached homes, mobile or manufactured homes, high-rise or low-rise apartments, cluster housing, standard subdivisions, or any other structure and layout that works for elderly residents. Congregate housing and senior apartments generally consist of converted private homes or apartment complexes. In general, facilities may offer any number of designs and layouts.

A high percentage of retirement communities and independent living facilities provide common areas for meals and socializing. In larger planned communities, common areas may consist of a full community center designed as a separate structure or wing of the facility. In smaller facilities, common areas may simply consist of a community dining room, an open sitting area or any other space dedicated to multipurpose use for groups of residents. A portion of the facility cost often reflects the amount of community space that is provided.

Recreational and social activities in retirement communities and independent living facilities vary as much as the facilities themselves. Some communities have full-time directors for these services, while others offer only informal activities arranged by residents themselves. Depending upon the age and resources of residents, activity calendars may range from plentiful to sparse.

Medical and personal care services generally do not vary quite as much as other kinds of services in retirement communities and independent living facilities. Virtually all facilities in the latter category require that any medical or personal care services to be provided by local visiting nurse and/or homecare agencies. Some facilities, especially those advertised as congregate living or senior apartments, may have a social worker on staff to assist residents to contact such agencies. In other communities, administrators may provide such help when there is no social worker available.

By comparison, nursing home and assisted living facilities are set up in more hospital-like surroundings with around-the-clock medical care available. These facilities are for senior citizens who need constant care and cannot function independently.  While some independent living facilities may have a nurse on staff that can help with small medical needs, they are not equipped to care for residents who need excessive medical attention and support.

Senior citizens today are living longer lives and enjoying better health than any generation that came before them. Today's seniors don't automatically turn to nursing homes when they start to need extra assistance. They look to other, less restrictive options, like independent living and assisted living facilities.

Independent living is for seniors who do not need assistance with their activities of daily living (ADLs) such as bathing, dressing, managing medications and going to the bathroom.  If a person in independent living becomes unable to manage his or her own ADLs, that individual must eventually transition to an assisted living or, other care facility which offers the needed support and services.

Typically, a retirement community or independent living facility may be suitable for an individual if:

  1. The person is generally healthy, such that any daily medical or personal care assistance can be provided by visiting nurses or minimal visits by a home health aide;
  2. The person is capable of keeping in touch with doctors or other caregivers as needed, possibly with the help of family or friends but, without assistance from staff on site;
  3. The person has the means to pay for it; or
  4. If the resident’s financial means are limited, he/she must be able to accept the inherent limitations in the lifestyle imposed by those limited resources if the resident chooses a subsidized facility.

The cost of retirement communities and independent living facilities is extremely variable. At the low end are subsidized housing, congregate living and senior apartments, most of which charge a percentage of the residents' income.  Subsidies to make up the true cost of the facility are provided by public or private charities.

At the high end are planned retirement communities that require the purchase of a separate home, unit or cooperative share as a price of admission. The cost to “buy in” is reflected by the local real estate market for housing of similar location and quality, plus the cost of physical amenities provided by the facility or the community management.  In the U.S., these entrance costs can range between $100,000 and $1 million.  Once the buy-in costs are satisfied, the typical monthly cost for these planned communities can be anywhere from $1,500 to $6,000 which pays for taxes, common utilities and services provided to residents.

In between low- and high-end facilities are the retirement communities and independent living facilities which operate strictly on a rental basis, plus a monthly charge for services, but without the requirement of a “buy in”.  Rent and service fees tend to reflect the cost of luxury housing in the local community. Fees in the urban Northeast, for example, can be substantially higher per month than the national average for a comfortable facility and a service package that includes meals, housekeeping and linens.  In general, average monthly costs can range from $1,500 to $6,000 per month for an independent living facility.

Because of the wide variations in facility types, their design, services and costs associated with living in a retirement community or independent living facility, a thoughtful plan should be developed before making a final decision.  Visits to as many facilities as possible to learn the details of each one is strongly suggested in order to make an informed choice.




Old Scam Gains More Traction    February 4, 2019


Almost a year ago, hackers were running a scam offering refunds from companies that were allegedly “going out of business”.  The truth of the matter was that none of these companies were really shutting down.  Instead, hackers were using this claim as an excuse to gain the personal banking information of their victims, so they could “process” the unexpected refund.


Today, this “refund scam” has resurfaced and one business the scammers claim to represent in particular is your “antivirus provider”.  The scammers know, with our ever-growing dependency on technology, most people have a computer or mobile device that probably has antivirus protection on it.  Scammers are exploiting this fact by calling unsuspecting victims claiming to represent their “antivirus company”, which they then claim is “going out of business”.  Their comments remain vague, being careful not to disclose a company or product name.  Instead, they wait for the victim to respond with something like “Oh, PC Matic?”.  And just like that, they have the information they need.  Often, the victim doesn’t think twice that they’ve just given the hackers the information they needed to appear to be legitimately from their security company.


This is exactly what happened recently to a 67-year-old Arkansas resident.  After naively providing her banking information for the “refund” to go into her bank account, the scammer called back saying an error had occurred and the wrong amount was transferred to her account. He then said she would need to transfer back thousands of dollars to correct the error.  It was then, she realized it was a scam.  She immediately hung up and froze her bank accounts.


First, let your common sense prevail.  Companies are not going to call every customer offering a refund if they should be forced to go out of business.  Instead, they would likely do a major press release and/or send out a letter or email confirming the company’s doors are closing.  Taking the time to notify each customer by phone is not realistic.  If you receive a call like this, you’re encouraged to tell them you know it’s a scam.  They will likely hang up, and not call again.  By the way, the number which appears on your caller ID is almost certainly not the scammer’s real number so, it’s probably pointless to try reporting it to the authorities.


Also, do your due diligence and share this information with your friends and family.  The more people know the less likely they are to fall victim.


Stay safe out there!


Microsoft has released plans to end support for Windows 7 on January 14, 2020.


The end of life (EOL) of Windows 7 means Microsoft will no longer provide security patches, software updates, or customer support to Windows 7 users.  Fortunately, users have plenty of time to update their systems to Windows 10.  For many home users, updating to Windows 10 will not be a major issue.  Businesses, however, may face larger complications.


Moving a business over to an entirely new operating systems can lead to major complications.  This is due to outdated systems that aren’t compatible with Windows 10, training new employees on a new system, ensuring qualified tech staff is available for the transition, and the cost associated with all the above.  In addition, some of the recent Windows 10 updates have created more problems than benefits.  This in and of itself has left businesses in no rush to migrate to this particular operating system.  Unfortunately, there are few options available for businesses running Windows 7.


For all users, it’s important to know that just because Microsoft is no longer supporting the OS, doesn’t mean it will stop working.  Therefore, users can continue running the OS, but at their own risk.  The lack of support means security patches and updates will not be available.  Therefore, all known security vulnerabilities that are typically patched by Microsoft, will be left exposed, creating potential security risks.


If users opt to keep Windows 7, their best line of defense will be to use an application called a “whitelist” as their primary method of malware detection.  A whitelist will not patch the known security holes but will prevent all malicious entities from running on your device.  Therefore, if a hacker attempts to exploit these known security gaps by installing malware — the whitelist will not allow it to run, as it is not a known safe program.


The second option is for users to pay for extended Microsoft support.  To determine the cost associated with this, users are encouraged to contact Microsoft directly.


Lastly, users can develop and implement a plan to transition their PCs from Windows 7 to Windows 10.  Even if this option is chosen, an application whitelist security solution should still be implemented to effectively thwart malware attacks and keep data and endpoints secure.

Veterans Beware!  Scam Alert!   January 16, 2019

The Veterans Affairs Department and U.S. Postal Inspection Service have issued warnings to veterans regarding two kinds of scams which are specifically targeting former service members.  The first involves fake charities posing as legitimate organizations offering benefits to the needy veteran population.  The second fraudulent scam claims to be a service that offers pension buyouts to veterans.  Both are becoming more prevalent and dangerous to the veteran community, VA spokespersons said recently.


The U.S. Postal Inspection Service and the non-profit AARP say they are noticing more fake charities using names that sound very real and authentic as a ploy to convince veterans to donate money. These fraudulent organizations attempt to appeal to a veteran’s sense of duty and honor when soliciting donations.  Most of these “charities” are pocketing the donations for themselves, the agencies said. One scammer operated two fake charities and pocketed the veterans’ donations, then used the personal information written on the checks to steal donor identifies and take even more cash, according to the VA.


Before donating to a charity, veterans should verify the organization’s name and do some research about their mission and reputation, the U.S. Postal Inspection Service said.  In addition, veterans should understand where their donations will go and who will benefit from them specifically.  The Postal Inspection Service and VA recommend “CharityWatch” as a resource, which reviews charities’ financial statements and gives organizations a rating based on their transparency and spending.


Still other scammers are attempting to go after veteran pensions.  For most veterans, their VA pensions are critical to their financial situations.  But the Postal Inspection Service said some fraudulent companies are offering veterans a “pension advance” or “buyout”. In these situations, a company offers a veteran who may be experiencing a short-term financial hardship a lump sum in exchange for a piece of all future pension payments.  Those veterans may see this as an attractive option, especially if they are looking for fast cash.  However, VA and the Postal Inspection Service say these schemes are typically a bust, because these companies often charge very high interest rates. The Consumer Financial Protection Bureau has seen some interest rates as high as 106 percent, the agencies said.  The Postal Inspection Service suggested veterans avoid high fees and interest rates, and that they should never sign over control of their benefits.  Again, these organizations often have patriotic-sounding names and logos and sometimes claim they have been endorsed by the VA.


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FACEBOOK FAILS AGAIN        December 31, 2018

Yet Another Facebook "Bug" Leads to Leaked Information

Many of us have done it — we upload a picture to Facebook, and then, for whatever reason, decide not to hit “Post”. We then think the image has been removed from any potential exposure. What most don’t know is that the Facebook platform keeps a copy of the picture we didn’t publish. What they do with it, or why they need it remains unclear. As a result, and due to a flaw in the Facebook photo application program interface (API), the “non-posted” images for approximately 7 million users have been leaked into the internet unknown. Company officials reported approximately 1,500 third-party applications may have had access to these non-shared images because users granted them permission, either knowingly or unknowingly, to access their Facebook account photos. How many active “users” are registered with each of these third-party applications who would have access to the leaked images is unknown at this time.

Facebook execs confirmed this “bug” in their photo management application (API) was active in its systems for approximately a week during the month of September in 2018. Facebook finally identified the security breech on September 25th and was able to exterminate the “bug” that day. In other words, it only took one week to expose almost 7 million “users”. It’s difficult to imagine how many of us would have been compromised if the system had remained broken for, say, a month or more.

It’s been a rough year for the social media giant. This is far from the first security concern facing Facebook this year. In March there were numerous reports regarding concerns of “Cambridge Analytica” using data on Facebook users to influence the 2016 presidential election. Just months later, the company went public with another security breach that impacted 50 million users. Now, as 2018 comes to a close, Facebook stuck this photo security feather into its increasingly worn privacy hat.

Let’s hope for the sake of the millions of users around the globe, company executives will take security measures and our privacy more seriously going forward than they apparently have thus far. Should they fail at this, the numbers of users abandoning the platform will continue to increase dramatically.

OK, Which One Is Yours?                                       December 29, 2018


Here is a list of passwords which were compiled from millions of user accounts that were “hacked” this past year.  It suggests plenty of people aren’t making much effort to create secure passwords. The top five passwords don’t vary much from year to year… which means people keep using the same predictable passwords, which make it that much easier for anyone to get into their accounts.


Here are this year’s top worst 25 passwords:


  1. 123456 (unchanged)
  2. password (unchanged)
  3. 123456789 (up 3)
  4. 12345678 (down 1)
  5. 12345 (unchanged)
  6. 111111 (new)
  7. 1234567 (up 1)
  8. sunshine (new)
  9. qwerty (down 5)
  10. iloveyou (unchanged)
  11. princess (new)
  12. admin (down 1)
  13. welcome (down 1)
  14. 666666 (new)
  15. abc123 (unchanged)
  16. football (down 7)
  17. 123123 (unchanged)
  18. Monkey (down 5)
  19. 654321 (new)
  20. !@#$%^&* (new)
  21. Charlie (new)
  22. aa123456 (new)
  23. donald (new)
  24. password1 (new)
  25. qwerty123 (new)

Even if you aren’t a security pro, you can probably see a problem here. Seven of those passwords are simply a straight row of characters across the keyboard (presumably to whatever number of characters a particular password requires). And they aren’t the only patterns on the list: “111111” and “666666” are even lazier. Then there’s the perennial “password,” which is certainly easy to remember — but, it’s also the first password any hacker will try. A variation on this basic password is also inevitably on the worst passwords list: “password1” may be a little more complicated than the simple “password,” but it isn’t much better. If “password” is a hacker’s first guess, this will be the second.


Even worse, “123456” and “password” have made the top two spots on the worst passwords list for six years in a row! That implies that not only are these lousy passwords getting used, but they keep getting used.


New to the list this year was “donald,” debuting in the #23 slot. And while it’s a bit better than “password,” setting your password to the name of the president still isn’t very secure.


So how can you keep your online accounts — and thus your personal information — safe? The first step is making sure none of your none of your password are on SplashData's worst passwords of the year list. If you are, you should log on and change them immediately. Then make sure you’re creating a strong password. A good password needs to:


  1. Have least 8 characters.
  2. Include capital letters, numbers, and ASCII characters.
  3. Not follow any pattern, like “123456” or “121212.”
  4. Not use a dictionary word, common phrase, a movie name or anything similar. (Sorry, Star Wars fans, but you shouldn’t express your enthusiasm in your password.)
  5. Not include your name or significant dates, like your birthday or anniversary. Names are a common feature on the worst password list and using this kind of personal information makes your password very easy to guess.
  6. Never be used across multiple sites, which means that when one site is hacked, all your passwords are compromised.


Alone With My Grief?                                                 December 26, 2018

The holidays to which we looked forward with such anticipation are here. Despite all the planning and celebration, this time of year can be particularly stressful, especially if it closely follows the death of a loved one. Friends and family members may be unsure how to act or what to say to support the bereaved during the holidays. More importantly, those who are grieving may not know how to talk with their family and friends let alone what to tell them about how they feel.

In general, the best way to help those who are grieving during the holidays is to simply let them know you care. They need to know they are not alone, and they need to know the one who died is remembered as well. You should never be afraid of saying or doing the “wrong thing” because just making an effort and showing your concern will be much appreciated.

It’s important to remember that grief is a normal response to and process for loss. It is sometimes referred to as “the price we all pay for having loved someone”. There is no time limit on the grief process. Each of us needs and should take all the time necessary to do our individual grief work. And, each of us will do our grief work differently and in ways unique to our own needs.

During the holidays, it’s most important to recognize that it’s still OK to have a “good time”. If we should catch ourselves having fun with the children or, feeling good about being with our friends at the dinner table, it’s not something about which you should feel guilty. Above all, it’s important to know all the feelings and emotions that emerge during this time of grief are normal.

Some tips for the holidays shared by those in grief include, but are not limited to the following:

 °        Be supportive of the way in which your grieving friend chooses to celebrate the holidays. Some may wish to follow traditions; others may choose to change their rituals.

°        Offer to help with tangible tasks such as baking, cleaning, or decorating. For those dealing with grief, simple tasks can be overwhelming and a little help can go a long way.

°        Invite a grieving friend to attend a religious service with you and your family, but don’t be discouraged if you are turned down. Suggest taking a walk or perhaps bringing a lunch to your friend or loved one after church service would be appreciated instead.

 °        Offer to help with holiday shopping or share your favorite catalogs or on-line shopping sites. Picking up a package at the post office or store might be appreciated.

°        Invite your friend to your home for the holidays.

°        Inquire if your friend or loved one is interested in volunteering with you during the holidays. Doing something for someone else, such as helping at a “soup kitchen” or working with children may help your friend feel better about the holidays.

°        Make a donation in memory of your friend’s loved one, as a reminder that his or her special person in not forgotten.

°        Never tell anyone in grief that he or she should be “over it”; grief is an individual process with its own timeline and there are no “right or wrong” ways to grieve.

°        If your friend wants to talk about the deceased loved one or their feelings about the loss, LISTEN, but do not judge. Don’t worry about being conversational or knowing all the answers…just listen.

°        Remind your friend that you are thinking of him or her and the loved one who died. Sympathy or friendship cards, telephone calls, and visits are all great ways to stay in touch.

°        Keep in mind, rituals help us to remember. Simple expressions of love such as lighting a candle on special occasions; looking at old photographs together and sharing fond memories; writing letters to the deceased; visiting the grave-site; making a special holiday ornament with the loved one’s picture on it; or simply talking about the loved one are all good ways to “give voice” to grief.

It is important for each of us to remember that grief is a process, that it can be worked through and, that seeking and accepting support from others as we do our grief work, is both healthy and self-affirming. Expertise can be found in support groups and through expert counseling. Community hospice programs are a valuable resource for those who struggling with grief and loss. If you recognize a need to talk with someone about a loss and your own grief process, or your loved one asks you to help, contact your local hospice organization to inquire about support groups and/or counseling.

Resources used in the preparation of this material include:

On Grief and Grieving – Finding the Meaning of Grief through the Five Stages of Loss, Elisabeth Kübler-Ross and David Kessler, Scribner, New York, 2005.

Grief’s Courageous Journey – A Workbook, Sandi Kaplan and Gordon Lang, New Harbinger Publications, Oakland, California, 1996.

Don’t Ask for the Dead Man’s Golf ClubsWhat to Do and Say (and What Not to) When a Friend Loses a Loved One, Lynn Kelly, Workman Publishing, New York, 2000.

Many Worked There/Everyone Shopped There            January 18, 2018

A few classmates had inquired about the PowerPoint presentations that were shown during our 50th and 55th Reunion dinner/dance events.  For those who have Microsoft Office PowerPoint capability on your computers, the following link will run the presentation for you.  For those who don't have MS Office, it may run using a generic application.  Good luck!  

Class of 1962rev.pptx


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