Tag Archives for Kathleen Connell

AARP Report: Using Public Wireless Network Can Be Costly

Published in Woonsocket Call on August 2, 2015

This week Rhode Islanders learned about a secret NSA map obtained exclusively by NBC News detailing China’s cyber attack on all sectors of the U.S economy, including major firms like Google and Lockheed Martin, as well as the U.S. government and military.

But, they also learned that the stealing of personal and financial information isn’t just taking place nationally at federal agencies and Fortune 500 companies but throughout the state, too.  Internet users who put convenience ahead of protecting financial information stored on their laptops and mobile devices are becoming more susceptible to hackers, too, says a newly released 21 page AARP report.

Giving Hackers Easy Access to Your Personal Info

A new survey of internet users, ages 18 and over, released on July 29, 2015, shows that the freedom and convenience of public wireless networks may come at a cost. Nearly half failed a quiz about online and wireless safety, while tens-of-thousands admit to engaging in activity that could put them squarely in the sights of hackers looking to steal their personal information.

An AARP Fraud Watch Network report, “Convenience versus Security,” shows that among adults who access the Internet, a quarter (25%) use free public Wi-Fi once per week or more. “A free Wi-Fi network at an airport, hotel or coffee shop is convenient,” said Kathleen Connell, State Director of AARP Rhode Island. “But without a secure network, Americans risk over sharing, leaving themselves vulnerable to attacks by con artists and hackers.”

In response to these cyber threats recognizing the need for greater awareness of the risks of internet scams, the Washington, DC-based AARP is launching the “Watch Your Wi-Fi” campaign to educate Americans about the risks of free public Wi-Fi and how they can protect themselves.

Researchers identified a high incidence of risky online behaviors that might lead to financial theft and fraud.  According to the findings, among those who say they use free public Wi-Fi, more than a quarter of respondents (27%) say they have banked online via public Wi-Fi in the last three months.  Similarly, 27% of those who use free public Wi-Fi have purchased a product or service over public Wi-Fi using a credit card.

Additionally, the findings noted that 26% of the respondents who use smartphones do not use a pass code on their phones.  Sixty one percent do not have online access to all of their bank accounts.  Finally, among those who have set up access to all or some of their online banking accounts, almost half (45%) say they have not changed their online banking passwords in the past 90 days. Experts say that online bank account passwords should be changed every 90 days.

Ignorance Is Not Bliss

The researchers found that nearly half of survey respondents (45%) failed a quiz about online and wireless safety.  The findings also indicated that approximately 40% of respondents were not aware that it is not okay to use the same password on more than one site even if it contains a complex mix of letters, numbers and symbols.  Even if you are not using the Internet, if you’re in a location with a public Wi-Fi network, you should disable your wireless connection, say the researchers, adding that it is NOT safe to access websites with sensitive information, such as banking or credit cards, while using a public Wi-Fi network, even if the website is secured by https.

More than 8 in 10 (84%) people surveyed did not know that the most up-to-date security for a home Wi-Fi network is NOT WEP — Wired Equivalent Privacy.  Experts advise using at least WPA2 wireless encryption for better protection.

“The Fraud Watch Network’s “Watch Your Wi-Fi” campaign is giving Rhode Islanders the information they need to stay connected without sacrificing their personal security,” Connell added.

Protecting Yourself on Public Wi-Fi

A newly launched FWN cyber scam website features “Four Things Never to Do on Public Wi-Fi”   You can protect your financial data by following these website pointers.  First, “Don’t fall for a fake.”  Scam artists often set up unsecure networks with names similar to a legitimate business, coffee shop, hotel or other free Wi-Fi network.  Always “Mind your business.”  To reduce indentity theft and fraud, do not access your email, online bank or credit card accounts using public Wi-Fi.  Always “Watch your settings” too.  Keep your mobile device from automatically connecting to nearby Wi-Fi.  Finally, “Stick to your cell:” Don’t surf the internet by using an unknown public network if the website requires sensitive information – like online shopping.  Your cell phone network is safer to use. .

“The survey by AARP on Americans’ knowledge of how to protect themselves online is alarming.  With more people online than ever before, the public needs to be more aware of the dangers that lurk in cyberspace and take the necessary measures to protect to protect themselves from being a victim of cyber crimes and scams,” said Attorney General Peter F. Kilmartin, whose Consumer Protection Unit is often the first place consumers call when they have been victimized online.

Attorney General Kilmartin offers these pointers on how to protect yourself while cruising cyberspace:  When creating a password for an online account, the key to remember is to make it “long and strong,” with a minimum of eight characters and a mix of upper and lowercase letters, numbers, and symbols.  Always use dual verification and ask for protection beyond passwords based on information only you would know, like your first elementary school or the name of your first pet. Many account providers now offer additional ways for you verify who you are before you conduct business on that site.  Finally, use different passwords for different devices and different accounts.

According to Kilmartin, it may be easier to remember one simple password for all your accounts, but you make it easier for hackers to figure out your password and gain access to all your online accounts.  “I write down my passwords in a notebook which is kept in a safe place, separate from my electronic devices. This may seem like a cumbersome step, but trust me, it’s much easier than trying to reclaim your identity and clean up your credit if someone steals your identity,” he says.

Pawtucket Police Chief Paul King sees increase in identity theft and fraud in the City of Pawtucket.  It’s a national trend, he notes.

“In many incidences these crimes are perpetrated far beyond the borders of the United States,” says King, noting that Detective Hans Cute is assigned to the cyber and financial crimes beat.  Detective Cute has received specialized training and works very closely with the US Secret Service, US Postal Service, and other state and federal agencies when this type of crime occurs, he says.

Pawtucket residents can report a cyber and identity theft crime to Detective Cute at (401) 727-9100, Ext. 758.  For Woonsocket residents, call the Woonsocket Police Department at (401) 766-1212.

If you would like to schedule the Attorney General’s Office to visit your organization for a consumer protection presentation, please visit www.riag.ri.gov or call 401-274-4400 and ask for the Consumer Protection Unit.

Herb Weiss, LRI ’12 is a Pawtucket writer covering aging, health care and medical issues.  He can be reached at hweissri@aol.com.

AARP Pushes for Higher Standards When it Comes to Financial Advisors

Published in Woonsocket Call on June 28, 2015

AARP continues its efforts to push for a proposed U.S. Department of Labor (DOL) Fiduciary Rule that would require financial advisors to put their client’s interests first when giving retirement advice.  In advance of last weeks hearing, before the House Education and Workforce Committee, the nation’s largest aging advocacy group delivered nearly 60,000 petitions containing the signatures from every state to support a higher standard in financial advising to prevent conflicts of interest.    .

In a June 16 release, the Washington, D.C.-based AARP stated that the June 27th Congressional hearing only showcased financial firms and their concerns, but did not provide much of an opportunity to hear directly from consumers about how the new proposed rule would benefit them.  But, AARP’s petitions drive should send a powerful message to Congress, that the nonprofit group, representing 37 million older Americans, and 60,000 voters identified on those petitions want to have their voices heard by Congress on this very pressing retirement issue.

When Advising, Do No Harm

“While a number of investment advisers also support a rule requiring advice to be in the best interest of clients, some opponents have recently weighed in with comments that offer time worn code words for harming consumers,” said Nancy LeaMond, Chief Advocacy and Engagement Officer, AARP.  She says that the delivered petitions would ensure “that all, not just some, financial advisers put their clients’ interests first.”

“Many opponents of the proposed new rule, who are asking for delays or say the regulatory costs are too high, are simply looking to protect high fees at the expense of consumers.  But consumers deserve advice in their best interest, not advice that benefits the adviser,” says LeaMond.

In addition to forwarding petitions to the Department of Labor, AARP volunteers continue their efforts to call on Congress to prevent legislation that seeks to stop or slow an updated “best interest” standard.  According to the AARP, “each year hidden fees, unfair risk and bad investment advice rob Americans of $17 billion of retirement income.”

LeaMond says that AARP plans to submit comments to the DOL on the proposed rule in the weeks ahead. The nonprofit group’s petition delivery included over 33,000 signatures and follows an initial petition delivery last month that included over 26,000 signatures that support eliminating conflicts of interest in retirement advice.  “It is important that the Department hear from individuals who are negatively impacted by the current standard, not just financial firms who benefit from it,” she said.

AARP’s petition drive efforts followed President Obama’s February visit to AARP Headquarters where he used the opportunity to publicly support the proposed DOL rule, endorsed by a coalition of aging, labor and consumer groups that limits conflicts of interest, increases accountability, and strengthens protection for Americans receiving retirement investment advice.

At the AARP press event, Obama called for the updating of DOL rules and requirements that would mandate higher standards for financial advisors, requiring them to act solely in their client’s best interest when giving financial advice.

Obama noted that the existing rules governing retirement investments written over 40 years ago “outdated,” filled with “legal loopholes,” and just “fine print,” to be in need of an overhaul.  The existing rules governing retirement investments were written “at a time when most workers with a retirement plan had traditional pensions, and IRAs were brand new, and 401ks didn’t even exist,” said the President.

According to Megan Leonhardt, senior editor for WealthManagement.com, in a June 15th article, “New Coalition Pushes for DOL Fiduciary Rule,” DOL’s proposed rule has “been delayed multiple times since the agency first rolled it out in 2010.  It was expected to be released in August according to the agency’s regulatory agenda, but an update in May pushed back the date to January.”

“Industry lobbyists have mounted significant pushback. The Securities Industry and Financial Markets Association and the Financial Services Institute have argued a rule similar to the DOL’s initial proposal could limit the public’s access to quality financial advice,” says Leonhardt.

Acting in the Client’s Best Interest

“Rhode Island has been part of the national effort to move the Labor Department rule forward,” said AARP Rhode Island State Director Kathleen Connell. “We’ve talked to people who have been quite surprised to know that their savings could be at risk by having an adviser fail to act in their client’s best interest. The response to the petition campaign is a measure of the concern. Retirement planning is daunting for the vast majority of Rhode Islanders. There’s plenty to worry about. Having confidence that your financial adviser is working in your best interest would relieve some of the anxiety.  That’s why there seems to be overwhelming support for the rule change.”

Along with AARP, Rhode Island federal lawmakers are weighing in on this key retirement issue, seeing its importance to older Rhode Islanders.

Rep. David N. Cicilline (D-RI) says, “Protecting the financial well-being of our seniors is a top priority for me, and ensuring that they have access to complete and accurate information before making investment decisions is an essential component of that effort.  President Obama and Labor Secretary Perez are leading a good faith effort to protect consumers, including seniors and I look forward to evaluating the final rule after the public comment period ends and I have had the benefit of considering these comments.”

Adds, U.S. Senator Sheldon Whitehouse (D) “Investors should have the security of knowing that the advice they receive is in their best interest.  I applaud the Obama Administration for updating regulations on retirement investments and for working with a wide range of stakeholders to ensure the new rules help Americans save more for retirement.”

For this writer, hiring a financial advisor is like purchasing a used care, that is you always feel that you might have made the wrong decision.   New DOL requires that call for higher standards for financial advisors, who would be required to act solely in their client’s best interest when giving advice, just might give me peace of mind, when planning my retirement…and probably to millions of older Americans, too.

Herb Weiss, LRI ’12, is a Pawtucket-based writer covering aging, health care and medical issues.  He can be reached at hweissri@aol.com.

Palliative Care Can Provide Comfort to Dying Residents

Published in Woonsocket Call on May 10, 2015

           A recently published study, by Brown University researchers, takes a look at end-of-life care in America’s nursing facilities, seeking to answer the question, is knowledge and access to information on palliative associated with a reduced likelihood of aggressive end-of-life treatment?

Brown researchers say when a nursing facility resident is dying, oftentimes aggressive interventions like inserting a feeding tube or sending the patient to the emergency room can futilely worsen, rather than relieve, their distress. While palliative care can pull resources together in a facility to provide comfort at the end of a resident’s life, the knowledge of it varies among nursing directors.  A new large national study found that the more nursing directors knew about palliative care, the lower the likelihood that their patients would experience aggressive end-of-life care.

Susan C. Miller, professor (research) of health services, policy and practice in the Brown University School of Public Health and lead author of the study in the Journal of Palliative Medicine, published March 16, 2015, worked with colleagues to survey nursing directors at more than 1,900 nursing facilities across the nation between July 2009 and June 2010.  The researchers hoped to learn more about their knowledge of palliative care and their facility’s implementation of key palliative care practices.

Knowledge Is Power

According to the findings of the Brown study, the first nationally representative sample of palliative care familiarity at nursing homes, more than one in five of the surveyed directors had little or no basic palliative care knowledge, although 43 percent were fully versed.

“While the Institute of Medicine has called for greater access to skilled palliative care across settings, the fact that one in five U.S. nursing home directors of nursing had very limited palliative care knowledge demonstrates the magnitude of the challenge in many nursing homes,” Miller said. “Improvement is needed as are efforts to facilitate this improvement, including increased Medicare/Medicaid surveyor oversight of nursing home palliative care and quality indicators reflecting provision of high-quality palliative care,” she said, noting that besides quizzing the directors the researchers also analyzed Medicare data on the 58,876 residents who died during the period to identify the type of treatments they experienced when they were dying.

When researchers analyzed palliative care knowledge together with treatment at end of life, they found that the more directors knew about basic palliative care, the lower likelihood that nursing facility residents would experience feeding tube insertion, injections, restraints, suctioning, and emergency room or other hospital trips. Meanwhile, residents in higher-knowledge facilities also had a higher likelihood of having a documented six-month prognosis.

The study shows only an association between palliative care knowledge and less aggressive end-of-life care, the authors say, noting that knowledge leads to improved care, but it could also be that at nursing facilities with better care in general, there is also greater knowledge.  But if there is a causal relationship, then it could benefit thousands of nursing facilities residents every year for their nursing home caregivers to learn more about palliative care, the authors conclude.

Progress in Providing End-of-Life Care

Virginia M. Burke, J.D. President and CEO of the non-profit Rhode Island Health Care Association, said, “We were gratified that the authors found that most of the nursing directors who responded to their survey gave correct answers on all (43% of respondents) or most (36%of respondents) of the “knowledge” questions on palliative care.  We were also gratified to see that the number of hospitalizations during the last thirty days of life has declined significantly over the past ten years, as has the number of individuals who receive tube feedings during their last thirty days.  The need for continued progress is clear.”

Burke, representing three-quarters of Rhode Island’s skilled nursing and rehabilitation centers, adds, “It is not at all surprising that greater understanding of palliative care leads to better application of palliative care.”

The states’s nursing facilities are committed to providing person-centered end of life care, says Burke, noting that according to the National Palliative Care Research Center, Rhode Island’s hospitals are among the top performers for palliative care.  “We suspect that our state’s nursing facilities are as well.  We would be very interested in state specific results in order to see any areas where we can improve.”

Says spokesperson Director Michael Raia, of Rhode Island’s Health & Human Services Agency, “We need to provide the right care in the right place at the right time for all patients.”

When it comes to nursing facilities, Raia calls for reversing the payment incentives so that facilities are rewarded for providing better quality care and having better patient outcomes.  He notes that the Reinventing Medicaid Act of 2015 reinvests nursing home reimbursement rate savings into newly created incentive pools for nursing homes and long-term care providers that reward facilities for providing better quality care, including higher quality palliative care.

Bringing Resources to Families

With caregiving one of AARP’s most important issues, it’s no surprise that the organization provides a great deal of guidance on palliative care, stressing that “it involves organizations and professionals coming together to meet a person’s needs both in terms of pain management, along with emotional and spiritual perspectives,” said AARP State Director Kathleen Connell.

Connell says that “It’s is truly a team effort in which nursing home staff become key players. The resources are important to patient with chronic and terminal issues. Their families need help, too. So it is important any time we learn more about ways we can address this very important healthcare need.”

Adds Connell, “In Rhode Island, I’m confident that we have nursing homes that are dedicated to easing the difficulty of this particularly stressful stage of life. They give patients and their families enormous comfort. We certainly applaud their compassion and hope the report is helpful anywhere it identifies a need for improvement,” adds Connell.

AARP’s Caregiving Resource Center (http://www.aarp.org/home-family/caregiving/) includes an End of Life section. Check out a specific palliative care resource at  http://assets.aarp.org/external_sites/caregiving/multimedia/EG_PalliativeCare.html

To read the Brown Palliative Care Study go to http://online.liebertpub.com/doi/abs/10.1089/jpm.2014.0393.

Herb Weiss, LRI ’12 is a Pawtucket writer covering aging, health care and medical issues.  He can be reached at hweissri@aol.com.