THE GOOD LIFE
14
Mountain Views News Saturday, October 20, 2012
SENIOR HAPPENINGS
DIRECT DEPOSIT OPTIONS FOR SOCIAL SECURITY RECIPIENTS
Dear Savvy Senior:
I have received my Social Security check in the mail every month for more than 25 years, and now I’m
told I have to switch to direct deposit. Do I have any options? Suspicious Senior
Dear Suspicious,
If you’re over age of 90, or live in a remote area you
may still have the option of receiving your Social
Security checks in the mail if you want. Otherwise,
you have until March 1, 2013 to switch from paper
benefit checks to direct deposit. Here’s what you
should know.
Mandatory Direct Deposit
The reason the U.S. Department of Treasury is phasing out paper Social Security checks and replacing
them with electronic delivery is because it’s cheaper, safer and more reliable. About 93 percent
of federal benefit recipients already receive their payments via direct deposit. Switching most of the
remaining 7 percent to paperless payments is expected to save Social Security around $600 million
over the next 10 years in postage, paper and printing costs. The switch will also eliminate the potential
problem of checks that get lost in the mail or stolen.
Therefore, anyone who is currently receiving their Social Security, SSI, veterans, railroad retirement
or federal civil servant retirement benefits in the mail, will need to switch to direct deposit either into
a bank account or credit union of their choice, or a Direct Express Debit MasterCard by March 1,
2013.
The only exceptions are for elderly seniors born before March 1, 1923, mentally impaired people and
recipients who live in remote rural areas. They will still have the option of receiving their government
benefits via paper check if they wish.
Debit Card Option
If you don’t want your government benefits direct deposited in your bank account, or if you don’t
have a bank account that your payments can be deposited into, you’ll need to get a Direct Express
Debit MasterCard. This is a prepaid debit card that was introduced by the Treasury Department back
in 2008.
With a Direct Express Debit MasterCard your Social Security and/or other government benefits will
automatically be deposited to your card’s account on your payment day each month. Your card can
then be used to get cash from ATMs, banks or credit unions tellers, pay bills online and over the
phone, make purchases at stores or locations that accept Debit MasterCard and get cash back when
you make those purchases, and purchase money orders at the U.S. Post Office. The money you spend
or withdraw is automatically deducted from your account. And you can check your balance any time
by phone, online or at ATMs.
There’s also no cost to sign up for the card, no monthly fees and no overdraft charges. There are, however,
a few small fees for optional services you need to be aware of, like multiple ATM withdrawals.
Currently, cardholders get one free ATM withdrawal per month, but additional monthly withdrawals
cost 90 cents each not including a surcharge if you use a non-network ATM.
Another important feature is security. Your card is PIN-protected, the money in your account is
FDIC-insured, and if the card gets lost or stolen it will be replaced with consumer protections if it’s
reported promptly.
How to Switch
To sign up for direct deposit into a bank or credit union, or to sign up for the Direct Express Debit
MasterCard, call Go Direct at 800-333-1795 or visit godirect.org.
You also need to be aware that if you don’t sign up for direct bank deposit or get a Direct Express card
by the March 1, 2013 deadline, the government will automatically issue you a Direct Express card and
mail it to you, and your benefits will be deposited on your card’s account thereafter.
Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.
org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.
By Pat Birdsall
FYI: I’m in a quandary…I’ve asked myself if the top portion of this column should be done weekly,
bi-monthly, or just once a month? There are so many topics that I’d like to address that affect seniors
that weekly sounds good to me at this juncture. I think I’ll just play it by ear and please bear with me. I
want to look into serious subjects such as home protection; running the gamut from fire safety devices
and techniques to how to thwart home break-ins; to the not so serious… like entertainment. How is
this for a segue? Speaking of entertainment...I went to the Senior Movie Program on Wednesday,
October 10, for the first time and saw the 2012 Academy Award winning film, The Artist. I thoroughly
enjoyed it! The movies are shown on the second and fourth Wednesdays of each month. One movie
is contemporary and the other is archival. All are chosen by the audience members themselves. The
price of admission is manageable, it’s FREE! Added bonus: We are now able to bring our own water
AND popcorn! I’m looking forward to seeing the next presentation on Wednesday, October 24. It’s
Laura, a suspenseful murder mystery from 1944, starring Gene Tierney and Dana Andrews and
Clifton Webb. The American Film Institute ranks it as the 4th best film of all time in the mystery
genre.
The time: 1:00 PM- 3:00 PM. The place: Sierra Madre Council Chambers, 232 W. Sierra Madre
Blvd. Sierra Madre.
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~ Helpful Hint~
A TV Dusting tip... After cleaning your TV take a fabric softener sheet that has been used in your
laundry and rub it all around the area that you don’t want to dust anymore. Instead of attracting
dust, your TV will now repel it!
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For Your Funny Bone
A tourist in Maine paid an emergency visit to a veterinarian’s office when his dog got the short end
of a brawl with a porcupine. After the dog was de-quilled, the man went to pay, but was shocked
when the receptionist handed him a bill for $450.00. “Four hundred and fifty dollars!” he shouted
indignantly. “What do you Mainers do when all the tourists are gone?” “Raise porcupines,” said the
receptionist, as she took his check.
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HAPPY BIRTHDAY!
Sole Krieg, Margit Johnson, Ann Tyler, Pat Birdsall, Dick Anderson, Barbara Cline, Mary
Jane Baker, Cathleen Cremins, Alma Mays, Eva Poet, Dixie Coutant, Angela Stella, Darlene Traxler,
Darlene Crook, Gloria Giersbach, Susan Gallagher, Maggie Ellis, Elva Johnson, Ellen O’Leary, Jenny
Piangenti, Gail-Ann Skiles, Anita Thompson, Adie Marshall, Lillias Eubanks. AND, add to that stellar
list: A very special man! On October 5th, George Maurer turned 90! He is the gold standard when it
comes to community service…our community. He so tirelessly lends a hand wherever it is needed:
whether it is family or the community at large, he’s always there to lend a helping hand. Happy
Birthday my friend! (To add your name to this ever-burgeoning list and to see your name in print,
please call the paper at 626.355.2737.) Year of birth NOT required .
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*Quote: Youth is a disease from which we all recover. ~ Dorothy Fulheim~
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ACTIVITIES: Unless listed differently, all activities are at the Hart Park
House (Senior Center) 222 W. Sierra Madre Blvd., Sierra Madre
YWCA San Gabriel Valley Intervale Senior Café:
Monday-Friday at 12:00 Noon (participants are urged to arrive no later than 11:45 A.M.)
All seniors 60 and up can take part in the lunch program. There is a suggested donation of $2.00
for those 60 and over and $3.75 for non-senior guests. Daily reservations are necessary as space is
limited. Please call 24 hours in advance…626.355.0256
Free Blood Pressure Testing: On the 2nd Tuesday of the month a nurse from Methodist Hospital,
Arcadia volunteers to do the readings.11:00 am-12:00 pm-No appointment is necessary.
Bingo: Every Tuesday afternoon from 1:00 PM- 3:00PM. Cards are only .25c each!
Free Chair Yoga: Every Wednesday morning from 11:00 AM-11:45 AM volunteer Teryl Willis
offers this class focused on senior yoga techniques. It is geared toward gentle movements, breathing
techniques and balance improvement. No reservations are necessary.
Free Legal Consultation: Pasadena attorney Geoffrey Chin volunteers on the 2nd Wednesday of
the month. He focuses on estate planning, trusts, wills, probate, conservatorships and business law.*
Appointments are a must. Please call Adam Matsumoto at 626.355.7394 to make yours. *Conflicting
court schedules can occasionally cause cancellations.
Birthday Celebrations: The 2nd Thursday of the month the Senior Center celebrates the birthdays
of our patrons at 12:30 PM. Please join us for free cake and ice cream and “celebration.” (The cakes are
provided due to a generous donation from the Sierra Madre Civic Club.)
Game Day: Every Thursday at 1:00 PM. Poker is usually the game of choice, or should I say chance?
Board games and other card games are also available. There is also a spectacular, one-of-a kind chess
table on the patio that is just waiting for some action!
Free Strength Training Class: Every Friday from 1:00 PM- 1:45 PM. Conducted by long-time
volunteer Lisa Brandley. The class utilizes light weights for low-impact resistance training. Weights
are provided by the Sierra Madre Senior Center. It’s a great way to stay in shape and to socialize with
your peers.
EXCURSIONS:
GRABER OLIVE HOUSE TOUR IN ONTARIO, CA.
Friday, October 26th: Departure at 9:30 am from the Hart Park House.
Lunch & activities: 10:30 am- 2:00 pm
Return: To the Park House at 3:30 pm
Cost: $10.00 (does not include lunch)
Graber Olive House tour highlights the tradition of grading, curing and canning of Graber Olives.
After the tour, lunch will be at Molly’s Souper, a wonderful brunch restaurant in Upland. (All
participants are required to eat at the same restaurant.) For more information on the Graber Olive
House visit www.graberolives.com
Registration deadline is Monday, October 22nd Call the Hart Park House at 626.355.7394 to make
reservations or to get more information.
“NEW”- Senior Movie Program: Movies are shown on the 2nd and
4th Wednesday of the month. The films are chosen by the seniors
themselves and will be shown in Council Chambers (222 W.
Sierra Madre Blvd.) at 1:00 pm. The price of admission - FREE!
LAURA October 24th City Council Chambers @ 1:00pm
Detective Mark McPherson investigates the killing of Laura, found
dead on her apartment floor before the movie starts. McPherson
builds a mental picture of the dead girl from the suspects whom
he interviews. He is helped by the striking painting of the late
lamented Laura hanging on her apartment wall. But who would
have wanted to kill a girl with whom every man she met seemed
to fall in love? To make matters worse, McPherson finds himself
falling under her spell too. Then one night, halfway through his investigations, something
seriously bizarre happens to make him re-think the whole case.
The “Senior Moments” newsletter is available for you to receive either by mail (USPS)
or e-mail. Please contact Adam Matsumoto to be put on either list at 626.355.7394.
We still SEE you...!
You’ve got a little over a week to scrape together
a good Halloween costume. I’ve never been great
at dressing up for these occasions. For cheap stiffs
like me, it’s hard to rationalize spending more than
ten bucks on a get-up I’ll probably never wear again.
Each year brings a plethora of new costumes ideas. (I hear some
people are going as iPads.) But when it comes to disguises, there’s
nothing new under the sun.
Ever since Adam and Eve got caught, humans have been trying
to cover up their bodies. And rightly so. I’m not advocating nudist
societies! Not all bodies are created equal. Some people are just blessed
with classically perfect proportions. (I personally know approximately
two people in this category.)
But the rest of us usually have some body flaw we’d rather not
emphasize. It may be flabby arms or a muffin top that’s creeping over
your waistband. Whatever it is, I totally understand if you want to
conceal it beneath billowy sleeves or a loose-fitting top. What strikes
me as silly, however, is when people use artificial means to make their
less-desirable features appear more glamorous than they really are.
Some are content with mild things, like wearing fake lashes and hair
extensions. Others resort to drastic measures, such as plastic surgery
and other augmentations. Somewhere between these extremes is a
“trick” as old as original sin --optical illusion.
We all know that vertical stripes make you look thinner, and horizontal stripes make you look...
broader. “Optical illusion” dresses are based on this principle. Even my own limited fashion sense
tells me that these contrasting color outfits with geometric shapes are not the most aesthetically
appealing. I suppose they might be considered “artsy,” in an angular kind of way.
Since they’re touted as making the wearer look more shapely, it’s no surprise that Hollywood stars
and other socialites have embraced a new generation of slimming dresses. They remind me of those
tee shirts that have the neck and torso of a muscle man or bikini babe --as if by wearing it the person
is fooling anyone. It’s all fine and good to try to look younger, fitter, or healthier than you actually
are. But it’s a whole other thing to blatantly admit that you are doing so! By wearing something that’s
obviously an “optical illusion,” you’re proclaiming your negative body issues. It’s like wearing Spanx
shapewear to a party and gushing to everyone, “I absolutely love this Spanx leotard! It’s a little hard
to breath, but I couldn’t fit into this dress without it!”
If you’re going to try to deceive us, at least be more discrete about it! I’m glad I don’t have to worry
about looking like a million bucks at my job, or in any other setting for that matter. Unlike members
of Hollywood’s “A” List, no one’s concerned with whether my waist looks five centimeters larger or
smaller than it did the last time they saw me. It’s comforting to know that my family, friends, and
coworkers probably wouldn’t notice whether or not I have a huge zit or toilet paper stuck to my shoe.
It may take some creativity for me to come up with a Halloween costume, but I’m glad this is the only
time of year I have to try to pretend to be something I’m not!
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