Tuesday, May 22, 2007

Protecting Elders from Fraud

by Zac Bissonnette

A piece in the Sunday New York Times tells the sad story of Richard Guthrie, a 92-year-old man who was defrauded of his life savings through an elaborate scheme perpetrated by criminals posing as telemarketers. These evil people take advantage of elders like Mr. Guthrie, who are particularly susceptible to fraud because they may be too trusting or lonely, and in dire financial straits. In Guthrie's case, he was living on the $800 per month he receives from Social Security. He passed the time since his wife passed away by entering sweepstakes contests, and the promoters frequently, and knowingly, sold his personal information to unscrupulous people.

Elder fraud strikes me as the most evil of white-collar crimes, and I did some looking around on the internet for resources for understanding and preventing the financial abuse of the elderly.

I have a copy of ex-con turned private investigator Barry Minkow's Frauds Gone Wild: Protecting Yourself from Elder Abuse. The DVD provides an entertaining look at the psychology of this crime, as well as offering an acronym that provides some suggestions for how to avoid being taken. While it strikes me as expensive at $17.99, it's a must for senior centers or church groups. Watch it with friends.

Fraud.org also has a nice section on elder fraud and telemarketing fraud, as well as Five Tips for Protecting Elders from Telemarketing Fraud. The Department of Justice also has a piece on why seniors are so vulnerable to fraud, and how to prevent it.

If you have elderly parents, or perhaps a neighbor, I strongly recommend reading through these materials, and discussing these issues with them. I had a nice talk about it with my grandmother today.

Email Internet Scams

Hello My Dear,

Complement Of The Season,

This is to thank you for your effort.I understand that your hands were tied.Not to worry. I have succeeded,the money has been transfered into the account provided by a newly found friend of mine in Australia.

To compensate for your past assistance and commitments,i have dropped an International Certifie Bank Draft of the sum of(US$950,000.00) for you.
I am in London with my family presently.I do intend to establish some business concerns here,and possibly buy some properties.Contact my Secretary in BENIN-Republic, Mr Frank Oji on(frankoji00@yahoo.fr )
Tel:+229-9301-7559 Forward my mail to him,then ask him to send the cheque to you.

Take good care of your self.
Regards,
Dr Andy West.

That's very kind of you Mr. West to have dropped that check for me , of course there will be small handling fee that will cover the cost of your secretary mailing me the check, I wonder how many people fall for these scams, obviously some people make a living scamming elders who are trusting and suceptible, especially if they have never heard of these types of scams.

Daycare Still Open with Three (3) Pages worth of Complaints!


(Columbia ) - Friends of the infant who died from hyperthermia question what happened Friday at Ritters Day Care Center.

The owner, 63-year-old Willie Ritter, now faces homicide by child abuse, but friends of the family say that's no consolation.

Nowell wonders who was on the family's side. "The person that you're suppose to trust the most, you're leaving your child in this person's hand!"

At 7 a.m. Friday, 11-month-old Javon was in Willie Ritter's hands. Police say the owner picked the child up, drove him to the daycare, and forgot to take him out of a minivan.

At last check, the daycare was still open but Nowell still questions them. "What were they still doing open with 3 pages of complaints?"

That answer will have to come from The Department of Social Services, who couldn't be reached Saturday.


Related Stories

(Related Resource: How Hot Can a Car Get in the Summer Heat?)

(Columbia) - Department of Social Services officials confirmed Monday that a daycare where a child died Friday had a bad history with their agency.(Related Story: Court Documents Reveal Multiple Suits Against Daycare Owner)

Note: W.E. Ritter Daycare was shut down Monday until further notice by DSS officials.

We really need some reform in this area, we would like the authorities in charge of protecting or most vulnerable citizens to take action when the first warning signs are given, not after the damage has been done!

Bill Aims to Curb Elder Exploitation

Bangor Daily News (Maine) Revised 5-21-07

Elderly victims of financial abuse are almost always harmed by family members and caregivers, not by predatory telemarketers and strangers, an official from the state Department of Health and Human Services said Friday.


About 90 percent of people who demand or steal money from an elderly person are family members, caregivers and "trusted loved ones," said Ricker Hamilton, protective program administrator for DHHS' Bureau of Elder and Adult Services. The remaining 10 percent are telephone and mail scams, Hamilton said.

"Elderly victims of financial exploitation are dying at three times the rate of nonvictims. That's what we see here. It's the last part of family violence that we don't talk about," Hamilton said.

"Increasingly, Maine seniors are finding themselves the target of financial exploitation because they have liquid assets and good credit," Rowe said.

Bank tellers and other "frontline" employees would be trained to notice the "red flags of financial exploitation," Rowe said.

For the most part, financial abuse of the elderly goes unreported, Hamilton said. Victims are often embarrassed or afraid their loved one will be arrested, he said.

"Oftentimes the victims are coming to us when the money's all gone," Hamilton said. "This bill would stop the abuse before it's too late."

Hamilton was unable to say what percentage of Maine's 260,000 people over the age of 60 experience some form of financial abuse. He did say that although seniors account for only about 14 percent of Maine's population, they represent more than one-third of the victims of financial fraud. And 40 percent of all reported elder abuse cases involve financial exploitation, he said.

"The number of people 60-plus is doubling across the country. That means the victims are doubling as well," Hamilton said.

Presently, DHHS relies on victims and members of their community to report signs of financial abuse. Elderly victims of financial exploitation lose an average of $39,000, Hamilton said.

"Unfortunately, a lot of the perpetrators are family members or caregivers that are taking advantage of the persons they have pledged to assist," Hamilton said.

Monday, May 21, 2007

Stem Cells Fulfilling Promise

By Ruth Kava, Ph.D., R.D.

New research has brought us one step closer to demonstrating the value for human health of embryonic stem cells (ESC) -- not merely adult stem cells, which some politicians have touted as a sufficient substitute. This has been one of the most bitterly debated and divisive topics of recent years. Opponents of ESC use argue that the potential benefits of ESC are just that -- mere potential ones yet to be demonstrated. This is substantially correct, as the science is still in its infancy. But progress is definitely being made.

According to a recent report, researchers from a biotech company in California, Geron, in cooperation with Canadian colleagues, have succeeded in producing insulin-secreting cells from human ESC. The cells they produced were similar to human pancreatic cells -- the ones that produce insulin and several other hormones. Even more impressive, the cells responded by producing insulin when the glucose level in their lab dishes was increased. This is exactly what the intact human pancreas does, and what the pancreases of diabetic humans cannot do.

While these cells are a long way from being "the cure" for type 1 diabetes (they will have to be tested in animals before they can be used in humans), they are an important step in that direction. It's possible to foresee a time when people with diabetes will be free of the necessity of injecting insulin or worrying about the sugars in the foods they consume. Slowly but surely, the promise of ESC is being fulfilled.

Related Posts

Stem cell research shot in arm for Geron Treatment shows promise easing type 1 diabetes

Geron Corp.'s scientists turned human embryonic stem cells into clusters of cells that responded to sugar by making insulin, a step in developing a diabetes treatment. The company's shares rose the most in five months.

Patient Suffering from Parkinson's Travels Outside U.S. to get Stem Cell Treatment


Manipal Hospital, Bangalore claimed of having discovered stem cells that help in recovery of a patient suffering from Parkinson's Disease (PD). Manipal used the benefits of stem cell research and helped US national Andrew Kisana get a new hope.

Andrew, who was suffering from PD for more than 15 years, came to Manipal Hospital as a last resort after having undergone treatment in US hospitals. After stem cell therapy last year, Andrew has shown remarkable recovery in his symptom as he has started walking without support, there has been significant reduction in the tremors and above all, he has a feeling of well being and personal comfort. His medication for PD has been withdrawn since the last months. This successful recovery of Andrew, will give new hope to many others suffering from debilitating Parkinson's disease.

Abridged >>

Elder Abuse on the Rise

Savannah, Georgia. Senior citizens are the county's fastest growing population. Unfortunately crimes against the elderly are also on the rise.

"It could happen to me, it could happen to her, it could happen to any of the men or women in this room," said Yvonne Clark.

Clark is one of 200 senior citizens who attended a program organized by local senior organizations, Savannah Chatham Metropolitan Police and Chatham County prosecutors. It's called the SALT Council. SALT stands for Seniors and Law Enforcement Together. It was a record crowd for this annual event.

Abridged >>

Saturday, May 19, 2007

Transvision 2007


Cross posted from, Sam on Friday, 18 May 2007

William Shatner will appear along with world renown visionaries and futurists such as Raymond Kurzweil, Peter Diamondis, Marvin Minsky and Aubrey de Grey at TransVision 2007 a global summit on grand challenges, July 23-26th at the Fairmont Hotel, Chicago, Illinois (USA). Bill will be this year’s keynote speaker.

The World Transhumanist Association (WTA) is a global non-profit member organization dedicated to the ethical use of technology to expand human capacities. The WTA supports the development of and access to new technologies that enable everyone to enjoy better minds, better bodies and better lives. This philosophy would be negligent without considering a better environment and a better planet in which to live. How can we live better than well if we don’t take action now to solve the greatest challenges facing our world?

The theme of TransVision 2007 (TV07) will be “Transhumanity Saving Humanity: Inner Space to Outer Space,” and will feature three full days of compelling dialogue with the greatest minds of today about creating the civilizations of tomorrow. TV07 brings extraordinary people from across the globe together with more than 30 distinguished speakers, entertainers and visionaries, such as those listed above.

Here is just a short sampling of what will be discussed:

Day One: Inner space: Transforming Ourselves
Longevity, Life Extension, Nanotech, Nanomedicine, Bionics, Biotech, SENS, Cryonics
Day Two: Meta space: Transforming Humanity
Environment, Global Warming, Sustainable Housing, Alternative Energy, AI, Robotics, Virtual Reality
Day Three: Outer space: Beyond the Planet
Future Humans, Colonizing Outer space, Space Tourism, Future Civilizations
---------------------------------------------------
Shat fans can register online at the Transvision 2007 Website. Enter the code: Enterprise for a 30% conference discount!

Attendees can also purchase flights on the Zero-G to experience zero gravity just like Stephen Hawking did this past April!

The Man in the Beans !




by Laurie Borguss

Doctors have concluded that if you find the man in the coffee beans in 3 seconds, your right half of your brain is better developed than most people. If you find the man between 3 seconds and 1 minute, your right half of the brain is developed normally. If you find the man between 1 minute and 3 minutes, then the right half of your brain is functioning slowly and you need to eat more protein. If you have not found the man after 3 minutes, the advice is to look for more of this type of exercise to make that part of the brain stronger!!!

And, yes, the man is really there!!!

P.S. After spending 4 min. looking for "the man" (like I have nothing better to do!), I finally called the person who sent it to me and she kiddingly told me to eat more protein and call her back later!!!!
Scroll down and I will be nicer to you and give you the answer -

----------------------------------------

O.K. Bottom left, 2nd row, about a third into the picture. Sure, after you see it.........so easy!!

Gift byFour Brothers -

Four brothers left home for college, and they became successful doctors and lawyers and prospered. Some years later, they chatted after having dinner together. They discussed the gifts they were able to give their elderly mother who lived far away in another city.

The first said, "I had a big house built for Mama."

The second said, "I had a hundred thousand dollar theater built in the house."

The third said, "I had my Mercedes dealer deliver an SL600 to her."

The fourth said, "You know how Mama loved reading the Bible and you know she can't read anymore because she can't see very well. I met this preacher who told me about a parrot that can recite the entire Bible. It took twenty preachers 12 years to teach him. I had to pledge to contribute $100,000 a year for twenty years to the church, but it was worth it. Mama just has to name the chapter and verse and the parrot will recite it."

The other brothers were impressed. After the holidays Mom sent out her thank you notes.

"She wrote: "Milton, the house you built is so huge. I live in only one room, but I have to clean the whole house. Thanks anyway."

"Marvin, I am too old to travel. I stay home, I have my groceries delivered, so I never use the Mercedes. The thought was good. Thanks."

"Michael, you gave me an expensive theater with Dolby sound, it could hold 50 people, but all my friends are dead, I've lost my hearing and I'm nearly blind. I'll never use it. Thank you for the gesture just the same."

"Dearest Melvin, you were the only son to have the good sense to give little thought to your gift. The chicken was delicious. Thank you."

Being Brothers : What is About ?

Pedro and his brother Armando what being brothers is all about, friends may come and friends may go, but your family will always be your family. When you bring suffering or abuse to your family you are only hurting yourself.

Something Needs to be Done to Protect My Grandmother !


Jenny Rodriguez said...

Something needs to be done to protect our elderly from abuse/exploitation. A few years ago, my grandmother was approached by her son with some papers. My grandmother, who has Alzheimer's and doesn’t read or speak English, unknowingly signed a Quit Claim Deed handing over her house to a corporation whose President, Vice-President, and Secretary are my uncle’s three children.

Of course, no one in the family was aware of this until my mother tried looking for cheaper house insurance for my grandparents when she learned that my grandmother and grandfather no longer owned the house. Since then, this has been a never ending battle in court.

Elder Affairs was contacted many years ago. They sent a case manager out to the house, yet nothing was done. My mother paid over $10,000 dollars to one attorney who didn’t do anything to resolve this case. This case was referred to Comprehensive Care who hasn’t done anything to settle this case. Worse yet, they recently asked the judge that they no longer want to represent my grandmother because they are having a difficult time reaching my uncle and his attorney.

How could this be happening? This has been in and out of court since 9/22/04. My grandmother is 90 years old and her memory has deteriorated greatly. What recourse do we have? What can we do when our legal system seems to be failing us? When my mom went to court yesterday, the judge did not have the case file, no longer remembered the case, and was pleased to hear that my uncle doesn’t mind my grandmother living in the house, “her own home!” Why hasn’t anyone been able to void the quick claim deed?

I hope that you will continue to write about this problem. We need to fight to protect our elderly from abuse/exploitation from strangers, family members, and the legal system. I have contacted my state representatives, and I will continue to write until something gets done.

Thank you for you time,

Jenny Rodriguez
JenJor1316@aol.com

--------------------------------------------------------------------------

Dear Jenny;

I really feel for what you are going through, this is one of those things that is supposed to happen to 'other people' until you become a victim yourself. Elder Financial Abuse is being called the Crime of the 21st Century.

I am very well acquainted with the never ending battles in court Defense Lawyers Often Try to Delay Trial of Elder Abuse and Exploitation cases until the Victim is too Disabled to Testify, Experts Say

The reason you haven't been able to reverse the Quit Claim Deed gained by trickery is because you haven't paid the Legal Ramson in the way of Legal fees. $100,000.00 seems to be the going number for most of these type of cases that we at E.A. have heard about.

Elder abuse justice is for the rich! 85% to 96% of Elder Financial Abuse goes un reported , perhaps now you know why!

When Clara started getting Dementia, she wanted to sign the house,CD's, assets over to us, however we are old fashioned and we told her "No all those assets are yours until you die, you might need them, we are not here for that." As her mental abilities declined a group of opportunists saw the door swing wide enough for them to get control and vacate her trust of anything of value, including some unique personal jewelry, which Clara was wearing on the day she was taken and is un accounted for.

So until laws are changed to benefit the victims and their families, all I can say is when you notice someone in your family starting to get old and senile, you better transfer all their assets over 'pronto' because once the 'opportunists' get their foot through the door, you will never be able to shake them. After all they have nothing to lose and everything to gain, so if you end up spending all of your grandmother's assets in legal fees, that just fine with them as they have a 'Scorched Earth' mentality.

It seems that when it comes to our elders that possession is 9/10ths of the law, once the opportunists,elder abusers,lowlifes, what ever you want to call them get their greedy hands on your immediate family assets all they have to do to get off is accuse you of the same thing you are accusing them, this is usually good enough to throw up a smokescreen and confuse the investigators.

"Individuals 65 and older control over 70 percent of the nation's wealth," As Willie Sutton is famously known to have said, when explaining why he robbed banks: "That’s where the money is." It seems that a number of individuals, and some organized gangs, have realized that many single elderly persons have that in common with banks: they have money, and it is all too often available for the taking.As baby boomers begin to retire and their parents pass away, Americans are about to witness the largest transfer of wealth in the nation's history.

I suggest that you keep writing your congressman, although you are highly unlikely to get any sympathy from people who have never experienced Elder Abuse firsthand.
If you press the issue like we have , they are likely to tell you that your grandmother has the right to give her house to whomever she wants, and give the old 'shoulder shrug'.

The way (some) authorities thinks your grandmother is old and she is probably going to die anyways, what does she need a house, money for ? It's very kind that your uncle will allow her to live in her house, even the judge told you so .

Well my brother wasn't so kind and he put my mother, Clara Fernandez in 3 nursing homes totaling 5 addresses changes shortly after he executed a series of Quit Claim Deeds under similarly questionable circumstances .

Emergency Medicare Transport was used to keep Clara secreted from her family and during one of those shuffles and under what Dr. J. Aguinaga M.D. calls, " A dosis in excess of what is common for a person her age" , she was left alone in a hotel room, fell and struck her head
she was taken to Baptist Hospital for Emergency Neurosurgery and had been in wheelchair ever since , this incident triggered a downward spiral leading to loss of independence, a serious complicating illness and further falls.

Those of us who have experienced Elder Abuse first hand have a sneaking suspicion that
Who Are Public Agency Investigators Protecting: The Neglected Elder Or The Perpetrator of The Neglect?

Sorry I don't have better news for you, or the thousands of elders that are abused on a daily basis in Massachusetts alone , 43 new incidents of alleged elder abuse are reported each day. , the outlook for victims of elder abuse is pretty grim until people say , enough is enough and start demanding reform ,we as an aging population face an uphill battle.

Ray Fernandez