Three Shots This Fall? What to Know About Getting the RSV, Flu and COVID Vaccines

This fall, many older adults will be encouraged to get not one, not two, but three vaccines to protect against three common respiratory viruses that sicken millions of Americans each year and become increasingly dangerous with age.  

Most are familiar with the annual flu shot — roughly half of adults rolled up their sleeves for one last year. The same can be said for the COVID-19 booster, which is once again getting an update in time for fall.

New to the menu this year, however, is a vaccine for RSV, or respiratory syncytial virus, which is often associated with young kids, but sends as many as 160,000 adults 65 and older to the hospital each year, and kills as many as 10,000.

“We have learned over the last 20 years that year in and year out, [RSV] probably causes as much illness as influenza,” says William Schaffner, M.D., who is with the National Foundation for Infectious Diseases and is a professor of preventive medicine and infectious diseases at Vanderbilt University School of Medicine.

RSV hit the U.S. especially hard last fall — right around the same time COVID-19 and flu cases gained steam. (Early estimates show the flu killed as many as 58,000 Americans in the 2022-2023 season; meanwhile, COVID-19 sent tens of thousands of people to the hospital each week during the fall of 2022.) This led some to dub the viral convergence a tripledemic.

“It was definitely really, really concerning to watch,” says Rachel Presti, M.D, an associate professor of medicine at Washington University School of Medicine in St. Louis.

This year, though, there’s a new tool to help fight back: a vaccine for RSV — the first ever. 

Two versions were approved by the Food and Drug Administration (FDA) in May and are expected to be available by the fall; both are for adults 60 and older.

When should you get the RSV vaccine?

Health officials are encouraging older adults to talk to their doctor to see whether the RSV vaccine is right for them. If that answer is yes, Presti says, there’s no need to delay.

The RSV season generally starts in the fall and peaks in the winter, but last year’s struck a bit early. “So, my recommendation would be to get the RSV vaccine as soon as it’s locally available,” Presti says. 

Pfizer, the manufacturer of one of the RSV vaccines, expects its shot will be available in the late summer or early fall; GlaxoSmithKline, the manufacturer of the other, is working on a similar timeline. (And there’s little difference between the two approved shots, Presti adds, so again, it comes down to what’s on hand.) 

One thing you will want to consider is spacing the RSV vaccine out from your flu and COVID vaccines. For one, Schaffner says, “I don’t think there are too many people who want to get three [shots] at the same time.”

And in studies, the influenza antibody response was better when the flu and RSV vaccines were given separately, Schaffner explains, though more information on RSV vaccine co-administration is expected soon.  That said, the COVID-19 boosters and flu shots can be given together — and last year, often were — so there’s no need to make separate trips for the clinic or pharmacy for those.

How often will you need the three vaccines?

The influenza vaccine is one you need every year, ideally by the end of October, the Centers for Disease Control and Prevention (CDC) says. And remember: Adults 65 and older should get the high-dose version for stronger protection. (The CDC estimates that 70 to 85 percent of flu-related deaths occur among adults 65 and older.)

The COVID-19 vaccine schedule is still in flux, though many experts are in favor of moving to an annual shot in the fall as the virus settles into a more seasonal pattern. For now, older adults should pay attention to recommendations from health officials and stay up to date on their boosters. The CDC recently gave the OK for adults 65 and older to go back for a second dose of the bivalent booster.

As for RSV, Schaffner says the duration of protection from the vaccine has yet to be determined. “Early data indicate that the protection may extend beyond one year,” he said, meaning an annual shot might not be necessary. “That said, stay tuned for further developments.”

If getting three shots this fall seems like a lot, consider the alternative, Presti says. A vaccine is “a whole lot less of a stress on your immune system” than getting infected and seriously ill from one, or all, of these common viruses. “I understand that people are tired of it, but it’s sort of something we should think about getting used to as just a way of preventing disease and keeping ourselves healthy.”

Reprinted from aarp.

Natural Disaster Season Is Here and So Are Scammers

Whether it’s tornadoes or floods, wildfires or hurricanes, it seems like it’s always natural disaster season—which means it’s always a good time for scammers to try and rip people off. Following extreme weather events, dubious contractors and outright scammers descend on affected communities, offering quick, cheap fixes. While some reputable contractors solicit door-to-door, many knockers are running scams. Here’s how to be sure you avoid the damage to your wallet these criminals can cause.
How It Works•
Someone claiming to be a contractor arrives on your doorstep and explains he’s just finished a job fixing storm damage on a neighbor’s property.•Since he’s here already, he’ll say he can handle your needed repairs at a steep discount.•He’ll more than likely ask for payment upfront or try to convince you to sign over payment from your insurance company.
What You Should Know•
Shady contractors and outright scammers flood (no pun intended) areas hit by extreme weather events in search of “work” that they may or may not even attempt to do.•Many will specifically target older homeowners who they perceive as more trusting, more likely to have savings and—they think—may be experiencing cognitive decline.
What You Should Do•
As convenient and as compelling as it may seem, avoid reactively agreeing to repair work at your doorstep; rather, proactively seek out contractors that you can research.•Get written estimates and compare bids from multiple contractors before starting any work.•Ask contractors for references—and check them.•Pay no more than a third of the total cost prior to the work beginning—and then only when materials arrive.
 
Reprinted from AARP Fraud Watch Network

5 Ways Walking Can Boost Your Brain Health

It turns out there’s a mountain of scientific evidence that indicates walking — especially walking outdoors — is powerful medicine for your brain. Here’s what the data shows.

1. Walking may help you grow new brain cells.

Moderately paced walks stimulate the release of a protein called brain-derived neurotrophic factor, or BDNF, that is key to the survival of existing brain neurons and the generation of new ones. “Perhaps the most exciting finding is that aerobic forms of exercise [including walking] likely help facilitate the growth of new neurons,” says Patrick Smith, associate professor of psychiatry at the University of North Carolina at Chapel Hill.

2. Walking may boost your creativity.

Walking increases the flow of oxygen and nutrients to the brain, which can open the gates to enhanced creativity. The brain uses “about three times as much oxygen for healthy neuron function as muscles do” and is extremely sensitive to decreases in oxygen levels, according to Advanced Neurotherapy, a neurofeedback wellness clinic in Needham, Massachusetts. Creativity is a cognitive skill that is part of problem-solving. Studies show that the simple act of getting up from your desk and taking a short walk can help trigger ideas. A Stanford University study found “creative output increased 60 percent when participants were walking,” even on a treadmill facing a blank wall.

3. Walking may enhance your mood.

When you walk, increased blood flow to the brain initiates a “cascade of changes,” says Marie Pasinski, M.D., assistant professor of neurology at Harvard Medical School. “A cocktail of feel-good neurotransmitters — serotonin, dopamine, endorphins — is released.” Forty-two percent of American adults suffer a vitamin D deficiency. Our bodies manufacture vitamin D when exposed to sunlight, furthering the production of serotonin, a hormone benefiting memory and mood. Even on a cloudy day, “exposure to light elevates the mood,” says John Ratey, M.D., associate clinical professor of psychiatry at Harvard Medical School.

4. Walking may reduce the risk of cognitive decline.

Participants who walked more than 4,000 steps per day had healthier brain tissue in the area responsible for memory, learning and cognitive function than those who did not, one study found. That brain region, called the hippocampus, typically begins to shrink in late adulthood, leading not only to impaired memory but also an increased risk of dementia. The research revealed that aerobic exercise increases the size of the hippocampus

5. Walking may decrease brain-damaging stress.

Repeated exposure to stressful situations impairs memory, ­attention and cognitive flexibility. Walking in nature has been shown to be particularly effective at reducing stress levels. The impact of being outdoors may have to do with “optic flow” — the perception that objects are moving past us as we walk, which ­quiets the circuits responsible for stress, says Andrew Huberman, a neuroscientist in the Department of Neurobiology at Stanford Medicine.

“Self-generated optic flow — by walking, running or cycling — shifts the brain into a state of relaxation that’s not seen when you’re stationary,” he says. Scientists have seen walking reduce levels of cortisol, which surges during fight-or-flight situations. Elevated cortisol levels may damage cognition and contribute to Alzheimer’s disease, according to a 2019 ­review of studies in Frontiers in Aging Neuroscience. Just a 20-minute walk has been shown to reduce stress.

Reprinted from AARP.

AI Brings a New Twist to Fraud

One of the reasons fraud criminals remain relevant is their use of technology. They embrace emerging technologies because they know it’s a new way to steal money and information. These days that is happening in the world of artificial intelligence—commonly known as AI. While this raises the fraud threat to new heights, we can bring our defenses to new heights, too.
How They Work•
You get a call from a child or grandchild who is in urgent trouble and needs money right away. Normally you might be skeptical, but the voice you hear is that of your loved one.
•An email arrives alerting you to suspicious charges on your bank account. You are used to getting scam emails like this that typically have terrible grammar, but this one is written perfectly.
•You see an online ad promoting ways you can access AI tools for your work or personal life. The ad directs you to a website where you can download the software for free.
What You Should Know•
With only a few seconds of someone’s voice, often captured on social media videos, criminals can use AI voice-cloning to create a computer-generated version of a person’s voice that can say anything.
•AI “chatbots” can clean up many of the grammar errors that are common to scam emails or texts. This removes a typical red flag that consumers have gotten good at spotting.
•Downloading AI software to test out for yourself can also be dangerous. The Federal Trade Commission warns that criminals are using online ads to drive people to fake websites that download malware onto their devices.
What You Should Do•
Remember that however convincing they might be, these scams are always going to ask with urgency for money or sensitive information. That fear, or panic, or excitement that comes from an out-of-the-blue message is your signal to disengage.
•If you get an urgent call from a loved one who needs money, hang up. Call them at the number you know to be theirs or check with another family member to make sure they are okay.
•We can no longer trust links in emails or text messages—nor can we trust clicking on online ads. Always type in the destination website yourself to ensure you aren’t sent to a fake version of the site.
 
Reprinted from AARP Fraud Watch Network

Don’t Lose Money to Weight Loss Scams

Summer has finally arrived, but the beginning of beach season inevitably brings weight loss scams with it. Criminals take advantage of the season to offer bogus solutions for losing weight or getting in shape.
How It Works•
A web search on weight loss pulls up legitimate-looking websites.•These sites may contain articles claiming celebrities have achieved amazing results from their weight loss program.•Other times, you’ll see a social media post promoting new ways to lose weight.
What You Should Know•
Diet and weight loss programs often encourage you to sign up for a free trial—which, if you read the tiny print, opts you in to getting charged for regular orders or additional products.•Weight loss products touted as “natural” or “herbal” don’t necessarily mean safe or wholesome. Some herbal ingredients are even toxic in certain doses.•Engage your inner skeptic. Ask yourself if the promised outcomes seem to match up with what the program offers.
What You Should Do•

Seek advice from a trustworthy source, such as your doctor or a dietitian, before you commit to a weight loss regimen.•Be skeptical about a product or program promising you’ll lose a specific amount of weight per day, week or month, or of ads that tout weight loss products that are a “miracle,” “revolutionary” or a “scientific breakthrough.”•If a product claims to be backed by scientific studies, look up those studies to independently verify that they exist and are credible.•Check out a weight loss company’s reputation by searching with the Better Business Bureau.
reprinted from AARP Fraud Watch Network

Elder Financial Fraud

Experts estimate that more than 369,000 incidents of financial abuse targeting older adults are reported to authorities in the U.S. each year, causing an estimated $4.8 billion in losses. And those numbers probably understate the problem by a considerable amount. However, as we approach World Elder Abuse Awareness Day on June 15th, it’s good to remember that there are things we can do to help prevent elder financial exploitation.
What to Look For
Elder financial exploitation comes in many forms, including embezzlement, falsifying records, coerced property transfers and denying the victim access to their own assets. Here are signs that may indicate foul play:
•A caregiver or relative seeking access to your loved one’s accounts or possessions.
•Changes in their financial practices, such as new credit cards or unopened bank statements.
•A financial agent who isn’t following your loved one’s wishes.
•Sudden mood changes in your loved one.
How to Protect Your Loved One
Experts recommend taking these steps to help protect a loved one from financial exploitation.
•Encourage your loved one to designate someone they trust to help them with financial decisions. The federal government’s Eldercare Locator can help you find free or low-cost legal assistance
.•Suggest they add a trusted contact for their financial institutions if they are unreachable or if questionable activity is detected. A trusted contact is not able to make transactions, but the financial institution can disclose some account information to them. Social isolation is one of the greatest risk factors for elder financial exploitation. Maintain close contact with older loved ones through regular visits, phone and video calls, emails and texts. Encourage them to stay involved with others through a shared-interest community, volunteer activities or other social groups.
•Watch out for someone—even someone you thought you or your loved one could trust—who discourages contact with family and friends, exerts pressure on financial decisions or asks for large sums of money.
What to Do When You Suspect Fraud
Like other forms of financial fraud, elder financial exploitation is vastly underreported. Here are resources in case you suspect your loved one is a victim of abuse:
•Contact Adult Protective Services, an important line of defense for vulnerable adults. The National Adult Protective Services Association has a state-‍by-‍state directory.
•Financial exploitation is a crime and should be reported to your local police or sheriff or even to 911.
•You may want the services of a lawyer or legal aid programs in your area.

Reprinted from AARP Fraud Watch Network 

10 Things You Should Not Keep in Your Wallet

FIRST STEPS

Take everything out of your wallet and sort it all, with an eye to paring it way back. Remove old receipts, shopping lists, business cards, single-store credit cards that rarely get used, coffee shop punch cards that you’ll likely never fill up, and so on. If it’s not something you’ll need often or in an emergency, keep it at home.

Create a safe and secure storage system at home for the occasional wallet items you’ve removed. You can put extra cash there, too. Grab cards or items when needed, and when done with your errand, return the cards to their secure spot.

Consumer advocates advise making photocopies (or taking smartphone photos) of the front and back of all your cards, so you know whom to contact if they go missing.

THINGS YOU SHOULDN’T KEEP IN YOUR WALLET

Here are the 10 things you should remove from your wallet and store in a safe place, depending on how often you need to access them:

  • Social Security card. You do not need it for daily use, and criminals could use it to open lines of credit in your name or sell it to another criminal.
  • Multiple credit cards and credit card receipts. Choose one credit card and one debit card you wish to use the most, and leave the others at home. Multiple credit cards are a gold mine for criminals. They can easily charge items online or send runners to different stores.
  • Checkbook, or even one blank check. The days when you might need one for a purchase are mostly in the past.
  • Work ID card.
  • Passport or passport card.
  • List of your passwords.
  • Gift card not fully redeemed.
  • Birth certificate.
  • Library card. It sounds benign, but a crook can always check out lots of books and sell them for a buck or two apiece, Clay warns. 
  • House key. Thieves could find your address from the contents of a stolen wallet.

Reprinted from AARP.

Navigating the Gift Card Minefield

Gift cards have become a standard part of the modern shopping experience. But inside that colorful card kiosk could be a minefield. Here’s what you need to know before purchasing one.Gift card sales rose from $130 billion in 2015 to $173 billion in 2021, and while they are popular with consumers, they are also popular with criminals because they can be purchased anonymously and redeemed remotely.There are two typical scams involving gift cards: someone buys a gift card only to later find that it has no balance on it; and someone is instructed to purchase gift cards and share the numbers as a form of payment.
Zero-Balance Gift Cards
Criminals have several ways of draining gift card balances. In fact, a 2022 AARP survey found that one in four adults said they had given or received a gift card that turned out to have no value on it.To combat these scams:
•Purchase cards online directly from the business that issues them. Cards on store racks can be tampered with.
•Carefully examine cards at a physical store for signs of tampering. It’s safer to buy from places that keep gift cards behind the counter or near the checkout where watchful eyes may discourage criminals.
•Register your card with the retailer if that option is offered. This makes it easier to track and quickly report any issues.

Gift Card Payment ScamsGift cards as a form of payment in scams has been a popular tactic for the last five or so years. According to data from the Federal Trade Commission, reports of this fraud are down 25% in 2022 compared to the prior year. However, reported losses were roughly the same, suggesting that per-card losses were higher in 2022.Here’s what you should know:
•If you are confronted by someone directing you to buy gift cards to pay for something or send money, it is a scam—full stop.
•Disengage immediately and report it to the Federal Trade Commission at reportfraud.ftc.gov. The reports are used to identify trends and build cases against criminals.
•If you have lost money to this act of fraud, report it to your local police and insist they take your report. Some police lack awareness that scams are a crime and resist taking a report. Be persistent—it may help you recoup losses if the criminals are brought to justice down the road.

Reprinted from AARP Fraud Watch Network.

 

Portland Social Security Office Moves
The Portland Social Security office will relocate to its new location at 312 Fore St, Portland, ME 04101, on Monday, May 1, 2023. Business operations at 1355 Congress St., Portland, ME, 04102, will end at close of business on Tuesday, April 25, 2023. Social Security office hours are from 9:00 a.m. until 4:00 p.m., Monday thru Friday. (read more)

If it’s Tax Season, it’s IRS Imposter Season

According to the Federal Trade Commission, consumers reported losing $2.6 billion to impostor scams in 2022. One of the longest running impostor scams involves the IRS, so tax time is a good time to draw attention to it.
How It Works
You receive a phone call, text or email that claims to be from the IRS saying you owe back taxes and must make immediate payment or face arrest.•The communication will include a request to pay your supposed obligation by wire transfer or by purchasing gift cards and sharing the numbers off the back.•Or it’s good news from the IRS: You have a refund coming to you which you can claim by clicking a link and sharing information.
What You Should Know•
Most IRS impostor scams begin as a robocall with the message directing you either to press a number on your keypad to talk with a live agent or to call back using the number provided.•Scammers can alter caller ID to make it appear a call is coming from anywhere they choose, even the IRS.•The real IRS initiates communication by mail, including in cases of delinquent taxes. The agency may contact you by phone only after you have received and not responded to multiple written notices.•The IRS never initiates communication by email or text.•No federal agency accepts payment for any obligation by wire transfer or gift card. In 100% of these scenarios, it is a scam.
What You Should Do•
If you get a call claiming to be from the IRS, hang up—or better yet, don’t pick up the call to begin with.•If you think you may owe taxes, call the IRS at 800‍-‍829‍-‍1040 or visit irs.gov/balancedue.•Know that beyond IRS impostors, tax ID fraud is still a problem.
Consider obtaining an IRS identity protection PIN. The IP PIN is known only to you and the IRS, and your return cannot be processed without it.
Reprinted from AARP