Tag Archives for Leon Mathieu Senior Center

Raimondo Rolls out Educational Initiative to Financially Empower Rhode Islanders

Published in the Pawtucket Times, August 2, 2013

Everybody has been hit hard over the years with the economic downturn in the Ocean State. The statistics are startling about the impact on Rhode Islander’s pocketbooks. According to the Office of the General Treasurer, two-thirds of Rhode Islanders reported some difficulty in covering their expenses and paying bills. Startling the average borrow in our state has $13,221 in credit card debt, the 5th highest amount in the nation. Almost 47% of the Ocean State’s homeowners are “cost burdened,” that is home ownership costs more than 30 percent of their income.

During her first term, overcoming strong opposition of union groups, Rhode Island General Treasurer Gina M. Raimondo, working with Governor Chafee and leadership in the General Assembly, successfully redesigned Rhode Island’s state-administered public employee pension system. Now the Smithfield native, and mother of two, who graduated from LaSalle Academy, Harvard University and Yale Law School, who became a Rhode Scholar at Oxford University, goes into full gear to financially empower the state’s residents to make informed disciplined choices to achieve their financial goals.

Raimondo’s interest in financial empowerment came from her memories of growing up in a modest-income family, and a house with three kids and her grandfather. “My family had to become very smart about saving and budgeting,” she noted. By financial juggling and hard work, she was able along with her two siblings to attend college. According to Raimndo, getting a good college education allowed her to climb up the career ladder and eventually run for General Treasurer.

Building a Prosperous Financial Future

Recognizing that everyone could use a little free help understanding and managing their finances, last October, Raimondo, in partnership with the Providence-based Capital Good Fund, kicked off their financial empowerment initiative to provide guidance, though the Rhode Island Financial Coaching Corps, to provide free financial help to Rhode Islanders balance their home budgets, managing debt, building up credit and plan for their retirement.

According to Raimondo, becoming financially secure and taking care of your family can become tricky with the huge number of financial products available today. One can become confused with the different types of mortgage and banking products available, especially the proliferation of pay day loans, credit cards and reverse mortgages, she says. “If people are not careful they can be hit hard by hidden fees or hidden risks by choosing the wrong product,” she says.

Recently, Raimondo took her Smart Money Tour out on the road visiting local libraries, farmers markets and senior centers, “right into the community,” she says, noting that it might become a permanent initiative if it proves to be successful. At these locations treasury staff, through an online computer data base, (treasury.ri.gov/unclaimed) also helps people locate their lost or abandoned property for free. Unclaimed property includes items such as long forgotten bank accounts, stocks and dividends and life insurance claims. During the last fiscal year, Treasury returned more than $8 million to over 8,000 Rhode Islanders.

Supporting Common Goals

According to Executive Director Andy Posner, of the Providence-based Capital Good Fund, he met Raimondo during her campaign for Treasurer and found a kindred soul. She had similar interests in bringing financial literacy to Rhode Islanders and a desire to fight predatory practices (pay day loans that have interest rates of 260 percent and rent-to-own centers where consumers ultimately pay more than the product is worth).

Capital Good Fund trains volunteers, for the Empower RI initiative, in financial coaching techniques and provides them with curricula to use either in one-to-one sessions with employees at companies who contract for the service or to those interested in getting help, learning about this assistance at community events or through newspaper coverage or social service agencies.

Since the inception of the program over 200 Rhode Islanders have been helped, says Posner. Currently, the Financial Service Corps, has 17 active volunteers, he added.

Joining the Financial Coaching Corps

Jerry Leveille, a Burrillville resident, jumped at being a volunteer with the Financial Coaching Corps after reading the mission of Empower RI, “Moving Rhode Island forward – one person at a time – through financial empowerment.” The 68-year old retired banker, who served as a senior vice president and lending officer, had worked for over 51 years at Warwick-based Greenwood Credit Union.

Filling out the application at the Capital Good Fund, he was accepted, trained and now has worked with two clients.

In one case, Leveille stated that 83-year-old widow learned the art of balancing her checkbook after the death of her husband, who had managed the family’s household account, paying the bills for over 58 years. The woman still coping with the recent death of her husband only needed a couple of sessions to learn this financial skill.

Meanwhile, Leveille says that a 62-year old woman who worked for a large Rhode Island company for over 30 years made a personal decision to retire. She would later learn that this financial decision would reduce her income by a whopping 40 percent. This was combined with mortgage problems. The single older woman owed more on her family homestead than its market value. She could not get her out of state mortgage company to lower the eight percent interest rate or allow her to extend payments.

Before coming to Leveille “her only choice was to walk away from the mortgage or continue to work,” he said, noting that if this occurred the lender would most likely suffer a $60,000 loss. “As a volunteer I was not going to talk her out of retirement, it was not my role to do this. Ultimately, the Financial Coaching Corps. volunteer would refer his client to Rhode Island Housing who is in the process of negotiating a lower interest rate on her behalf.

“We must be very nonjudgmental when we work with our clients,” says Leveille, noting that humans do make mistakes they regret when making bad financial decisions. “We are there to be helpful. It is what it is and we try to find the appropriate solution,” he says when counseling client.

Cumberland resident, Randy Sacilotto, who serves as Navigant’s vice president of business and community development, joined Raimondo’s effort to ratchet up the state’s financial literacy knowledge. Sacilotto, with 21 years working for the credit union, also brings to his clients the expertise he gained from training to become a certified financial counselor, accredited by the National Credit Union Foundation.

Sacilotto, 52, has met with two individuals and one couple, teaching them how a household budget works and another couple on tips on refinancing their home.

Working on budgeting, Sacilotto told his clients to track the spending of “every penny,” for two to four weeks. Write everything down, he says, because you will learn where your money is spent.

“We don’t always actually know what we spend on things,” he says, and if you track your results, cutting spending on things you don’t need can allow you to put your money into more important things, like saving for a house,” notes Sacilotto.

Finding Satisfaction in Financial Problem Solving

Emerson Gardner, a retired manager of the New York-based Bank of America’s International Banking Office, brought this experience and working in the City’s AARP Money Management Program, to the Ocean State in 2010. Two years later he would join Raimondo’s Financial Coaching Corps.

One of the original volunteers, Gardner is already working on his fifth client (their ages range from early 30s to their 50s). “Any time you help a person get their credit rating up or confront their debt problems it begins with creating a budget,” he says, noting that people need to learn how to live within their incomes.

While Gardner’s clients profit from his expertise gleaned from his banking days and a Masters of Business Administration received from Harvard University, he benefits, too. “I get satisfaction in helping clients solve their problems.” The retiree likes the flexibility of the program, allowing him to decide who to take and when to schedule the counseling session.

“For a person who has financial skills and the time to give because they are retiring, it is a great thing to do,” quips Gardner.

Those interested in volunteering for the Financial Coaching Corps, or meeting with a financial coach should visit http://www.fcCorpss.org.

Pawtucket’s Smart Money Tour is scheduled for August 30, 2013, from 1:00 p.m. to 2:00 p.m. at the City’s Leon Mathieu Senior Center, 420 Main Street, Pawtucket RI.

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

Barbara Rayner Leaves Legacy of Support

Published in Senior Digest on August 2004

Barbara Ann Rayner was a tireless advocate for Rhode Island seniors and community-based services for the past 20 years, according to her peers who looked back at her life. They knew her as a dedicated professional with a great sense of humor.

Rayner, who served as Coventry’s human resource director, the first director of the community’s senior citizens center and later as director of Coventry Human Services, died last month after a long illness.

For five years, she served as director of the state’s Department of Elderly Affairs (DEA) being replaced by the then newly-elected Gov. Donald Carcieri.

She served on the Kent County Coalition of Nonprofit Executives and was a Rhode Island delegate for the White House Conference on Aging. She was appointed by the governor to sit on the Advisory Council on Health, the Commission on Care and Safety of the Elderly and the state’s Para-transit Task Force.

As a former director of the Rhode Island Association of Senior Programs and a founding member of CHOICES, a coalition of community-based care providers, Rayner fought to adequately fund services to keep Rhode Island seniors in their homes and independent.

At the national level, Rayner served as the immediate past chair of the National Institute of Senior Centers, a constituent union of the National Council on Aging (NCOA). She was also a contributing author of the revised Senior Center Standards & Guidelines, and was actively involved in NCOA’s policy agenda and international affairs initiatives.

Rayner was recognized nationally for her advocacy’s efforts when she received the Founders Award from NCOA in 1998, and was recognized on the state-level in 1999 with the Thomas A. Lamb Home Care Award.

Maureen Maigret, director of public policy for Lt. Governor Charles Fogarty, remember that Rayner was “very sensitive to the needs of the elderly and to ageism.”

The former DEA director was a passionate, dedicated professional, says Maigret, who noted that Rayner always knew the importance of laughter and having fund.

Under the DEA tenure of Rayner, home and community-based services greatly expanded in the state,” noted Maigret, saying that she recognized the value of the state providing family support services.

Rick Ryan, director of senior services for South Kingstown, worked closely with Rayner for more than 25 years. “We were very close friends and this grew out of our professional life,” he said.

Ryan says that Rayner was fund to be with and had a tremendous sense of human. She was willing to let her hair down, making her very approachable and real to her colleagues, according to Ryan. As a seasoned professional, she even mentored dozens of others in the aging network both locally and nationally over her 25-year career, he said.

At the national level, Rayner and Ryan, who served on NCOA’s Public Policy Committee were successful in changing the language in the federally enacted Older America’s Act. “Provisions noting that ‘states shall’ were changed to ‘states will’.” This strengthened the act and actually put teeth in it, he said.

Paula Parker, executive director of the Rhode Island Partnership for Home Care, remembers Rayner as “being passionate and committed to community based services.”

The members of CHOICES were very pleased to see her appointed as DEA director and then see her translate this passion for home and community based services through her leadership to creating state programming and policy supporting this level of care,” she says.

Joan Crawley, director of the Pawtucket-based Leon Mathieu Senior Center, notes that Rhode Island’s senior centers network owes Rayner “a debt of gratitude.” Under her leadership as director of DEA, support for Rhode Island’s senior centers grew by leaps and bounds,” Crawley observed, noting that new programs and services and initiatives were dramatically increased under her rein.

“It was her vision to see Rhode Island senior centers nationally accredited,” notes Crawley. “To this end, she not only found money to fund this project but she also worked with each of the 14 senior center directors, giving technical support and encouragement for them to successfully prepare for accreditation, Carwly says.

Crawley says that Rayner wanted no senior center left behind. “I can still remember her proud smile as each of us stepped up to the podium during NCOA’s national conference in Colorado to receive the prestigious recognition of accreditation for our senior centers,” Crawley noted.

Barbara Ann Rayner left behind a lengthy list of accomplishments that benefited senior centers and those who work for and with the elderly. She will be missed.

Aging Advocates Call for Override of Governor’s Veto

Published in Pawtucket Times on July 14, 2003

The General Assembly is poised to override  Gov. Don Carcieri’s veto Tuesday.

The political rhetoric has intensified as the governor picks apart the 2004 budget, which was recently passed by the Democratic-controlled legislature, forcing Democratic Majority Leader William J. Murphy and Senate President William V. Irons to explain how they shaped the budget.

Carcieri has called the General Assembly’s 2004 budget flawed because lawmakers have “missed opportunities” to stop the legislature’s habit of deficit spending.

The governor’s media blitz, beginning last week, is intended to build support for his efforts to defeat the legislature’s attempt to override his veto. Carcieri has called for the elimination of subsidies for greyhound kennel owners [also supported by this writer] and the reining in public-employee personnel costs.

Carcieri also opposes the spending of $ 52 million in federal Medicaid expenditure relief funds and the one percent restaurant sales tax.

When the dust settles after Tuesday’s legislative session to override Carcieri’s veto, aging advocates hope for an override. The 2004 budget crafted by the Democratic-controlled General Assembly puts increased state funding into senior programs and services.  Both provider groups and senior advocacy groups expressed disappointment when Carcieri’s budget proposal did not allocate funding for new aging-related initiatives. Moreover, his fiscal blueprint for state spending made cuts to existing senior programs and services.

“Once again, senior advocates have looked to the General Assembly to provide essential programs and services for the state’s growing senior population,” says Susan Sweet, a long-time aging advocate and consultant to nonprofit groups who also serves as a consumer representative to the state’s Long-Term Care Coordinating Council.

“We have not been disappointed,” Sweet said, in reference to the passage of the General Assembly’s 2004 budget.  “It’s sad that the Carcieri administration does not recognize the improvements the General Assembly has made to the budget and the lives of older Rhode Islander.”

Joan Crawley, executive director of Pawtucket’s Leon Mathieu Senior Center, added, “Although I can appreciate Carcieri’s frustration with trying to balance the state budget, as a senior advocate, I applaud the legislators for making the very difficult decision to fund legislative grants on behalf of the state’s  senior centers,” she said.

“At the Pawtucket town meeting, gubernatorial candidate Carcieri assured us that seniors would be a top priority of his administration should he be elected governor. He even distributed a brochure outlining his senior initiatives. So far, he has failed to address any of those initiatives in is budget, Crawley says.

So, what’s in the General Assembly’s 2004 budget that will improve the quality of life of Rhode Island seniors?

The budget will allocate new state funds totaling $ 300,000 to pay for nursing facility care of legal immigrant Rhode Island seniors who are not eligible for Medicaid.

The budget will also allocate $ 50,000 to support the efforts of the Ocean State Adult Immunization Coalition to get the word out about the importance of seniors getting influenza and pneumococcal vaccinations.

Meanwhile, lawmakers have allocated state monies for community grants. Initially, senior centers (in Carcieri’s budget ) were targeted with a 10 precent cut. To the relief of senior center providers, lawmakers passed the 2004 budget with no cuts

As previously reported to All About Seniors, an 18-month study by B.D.O. Seidman, a consulting firm hired by the state Department of Human Services, found Rhode Island was underpaying its nursing facilities in excess of $ 30 million annually.

It seems that the Rhode Island General Assembly agrees with the report’s assessment, because lawmakers made a partial allocation of new Medicaid dollars to overhaul the state’s ailing Medicaid system.

With passage of the budget, nursing facilities will receive a total of $ 18.8 million in state and federal dollars – a three-year phase-in will bring the total federal and state dollars up to $ 30 million.

Finally, the recently passed 2004 state budget has allocated $ 50,000 to provide dental services to nursing facility residents.

The 2003 budget that was supposed to expire June 30 stays in effect until Carcieri signs the 2004 budget into law. Until that time, new programs, policies, or program appropriations will be effectively put on hold.

An override of Carcieri’s veto will result in many new senior programs and services being funded in the 2004 state budget.

If the popular Republican governor is able to rally is troops – both Republican lawmakers and Carcieri Democrats – to support his veto, then lawmakers must begin their efforts to hammer out another budget.

….

As noted in last week’s All About Seniors column, not one dime in state funding was allocated in the state’s 2004 budget to beef up the state Department of Health’s regulatory oversight. Providers, aging advocates, and even state officials have called for new state dollars to fill one full-time surveyor position (a nurse) to ensure that assisted living residences across Rhode Island are inspected on a timelier basis.

The General Assembly has put laws on the books to protect frail Rhode Island seniors who received assisted-living services. Yet, Carcieri and lawmakers have failed to allocate the necessary funding in the 2004 state budget to allow Health Department regulators to comply with    their legislative oversight duties to inspect the state’s 72 assisted-living facilities and 155 assisted-living bed in nursing facilities on a timely basis.

That’s not all.  According to the state’s Department of Health, another seven assisted-living projects are expected to be up and running over the next 18 months.

Meanwhile, at Tuesday’s veto override, lawmakers will also take up legislative issues were not addressed in their haste to adjourn two weeks ago.  Maybe the state Health Department’s urgent need for more funding to adequately perform its oversight duties of assisted-living facilities will be acted on by lawmakers in both chambers.

Carcieri can become the white knight and save the day. He can choose to move forward and fix this policy flaw by either using contingency funds in his office budget or to take administrative action to hire one more full-time assisted living inspector.

Acting decisively to fix tis identified policy glitch is sound public policy that will ultimately protect the health and well-being of 1,700 assisted-living residents. Even with Carcieri’s calls for balancing the budget, taxpayers especially seniors won’t oppose allocated tax dollars to protect older Rhode Islander.