Category: Articles

  • Newborns & Social Security Numbers

    Getting a newborn a Social Security (SS) number is important for his or her future. Feel free to share this time-saving information with prospective parents.

    If the child is born in a hospital, the easiest way to apply for a SS number is right at the hospital. When information for the child’s birth certificate is given at the hospital, parents will also be asked whether they want to apply for a SS number for the child. If the parents say “yes,” they will be asked to provide both of their SS numbers, if possible. Even if the parents don’t know both of their SS numbers, they can still apply for a number for their child.

    There are many reasons why a child should have a SS number. For example, a SS number is needed to claim a child as a dependent on income tax returns. A child may also need a number if parents plan to do the following for the child:

    • Open a bank account.
    • Buy savings bonds.
    • Get medical coverage.
    • Apply for government services.

    Read Social Security Numbers for Children at www.ssa.gov/pubs/EN-05-10023.pdf.

    Applying at the hospital will allow parents to focus on the new family member.


    800-772-1213 (TTY 800-325-0778) M–F, 8 am–5 pm
    SSA Office Locator: www.socialsecurity.gov
    Advance Designation FAQ: www.ssa.gov/faq (Other Topics)
    Representative Payees Information: blog.ssa.gov

    Getting a newborn a Social Security (SS) number is important for his or her future. Feel free to share this time-saving information with prospective parents. If the child is born in a hospital, the easiest way to apply for a SS number is right at the hospital.

  • Help Protect Our Kūpuna Against Crime

    Every year, Hawai‘i residents are swindled out of money through many forms of crime. The Federal Trade Commission estimates that 2.4 billion robocalls made every month. Over 3,500,000 older adults are swindled out of nearly $5 billion in personal savings each year. The average loss is $34,200-plus for every senior who falls victim to a scam. More than $17 million per year are lost to internet crimes (2021) — and cases are expected to rise by 10 percent this year. During the first two years of the pandemic, the US Office of the Inspector General received over 1,500 COVID-related complaints. In addition, Medicare loses $70 billion per year to fraudulent claims.

    Senior Medicare Patrol (SMP) Hawaii aims to mitigate those losses through the help of volunteers who educate and empower kūpuna and their ‘ohana before they become victims of healthcare fraud or another scam.

    You can help protect our kūpuna by becoming a volunteer. You can choose to be a counselor, presenter, information distributor, fair exhibitor or provider of clerical support. Training is available and volunteers learn at their own pace.

    Gaining satisfaction from helping others without ever leaving home is just one of the benefits of becoming an SMP volunteer. Becoming a volunteer also offers the opportunity to stay informed of latest scams, such as phony government agencies, fake tech support, family or friends imposters, online shopping gimmicks,  romance scam artists… the list goes on. Volunteers can also sharpen their computer skills to become a tech savvy senior, and learn about Medicare and community resources while having fun and making new friends who also have an interest in championing a worthy cause.


    SENIOR MEDICARE PATROL (SMP) HAWAII
    Department of Health — Executive Office on Aging
    250 S. Hotel St., Ste. 406, Honolulu, HI 96813
    808-586-7281 | Toll Free: 1-800-296-9422
    info@smphawaii.org | smphawaii.org
    This project was supported in part by grant number 90MPPG0053 from the US Administration for Community Living (ACL), Department of Health and Human Services, Washington, DC, 20201. Grantees undertaking projects under government sponsorship are encouraged to express freely their findings and conclusions. Points of view or opinions do not, therefore, necessarily represent official ACL policy. *Sources: Star Advertiser, March 27, 2022; Consumer Affairs, Nov. 25, 2021; Comparitech, Jan. 11, 2022

    Every year, Hawai‘i residents are swindled out of money through many forms of crime. The Federal Trade Commission estimates that 2.4 billion robocalls made every month. Over 3,500,000 older adults are swindled out of nearly $5 billion in personal savings each year. The average loss is $34,200-plus for every senior who falls victim to a…

  • Talk Story: A Favorite Senior Pastime

    Elderly females talking and looking through magazine in cafeTalk story is a special and cherished activity among seniors at Roselani Place. Our activities  director conducts a talk story twice a month and I also offer them from time to time. Talking story with our residents allows us to not only engage with them, but also encourages them to reminisce about the good old days, and learn more about one another.

    Talk story — sharing history, ideas, opinions and the events of the day with others — is one of the great oral traditions in Hawai‘i. Ancient Hawaiians were known to be great storytellers. Formal storytelling would usually take place in the chief’s court, where renowned orators would perform. Talk story continues to culturally sustain us and keeps us connected with others.

    Talking story in today’s world entails getting together with old friends or new acquaintances to socialize. Small talk and pleasantries naturally develop into in-depth conversations in which treasures of the past are recalled and revealed. Through talk story, we can discover and share where we grew up, where we are from, what school we attended, who we know and who we are related to. The reservoir of topics is endless.

    And when I talk story with our residents, I realize just how memorable talk story can be.


    ROSELANI PLACE (501(c) 3 nonprofit)
    88 South Papa Ave., Kahului, Maui, HI 96732
    808-871-7720 | Toll Free: 800-554-9853
    info@roselaniplace.com | www.roselaniplace.com

    Talk story is a special and cherished activity among seniors at Roselani Place. Our activities  director conducts a talk story twice a month and I also offer them from time to time. Talking story with our residents allows us to not only engage with them, but also encourages them to reminisce about the good old…

  • Caregivers Must Ask Others for Help

    When it’s a family caregiver’s sole responsibility to manage the care of a loved one, there will come a time when stress will get to a level where the caregiver becomes unable to perform self-care or continue to provide for their loved one. Getting others involved to help the caregiver will bring much-needed relief. Family caregivers can feel emotionally and physically drained with the constant tasks that come up, sometimes unexpectedly. Here are some examples of unexpected events:

    FALLS: A loved one may be fragile enough to experience a fall that may result in some devastating outcomes, including head trauma, a broken hip or another broken bone. This would involve a trip to the emergency room and a call to the doctor to report the fall.

    SKIN TEARS: Open skin is a magnet for infections, which will only serve to complicate care. Skin tears need proper attention.

    URINARY TRACT INFECTIONS: UTIs are hard to recognize when caregivers are busy. A sudden change in behavior, more confusion than usual or hallucinations are among the first signs. Often, our kūpuna do not have strong immune systems that signal the presence of a UTI with a fever or other typical sign of infection.

    These challenges are common when caring for an elderly loved one and family caregivers need to be prepared to manage them and also allow others to step in to help as needed. Communicating the plan to others will make these problems seem less traumatic. Consider these recommendations for involving others when providing primary care for a loved one in need.

    • Allow family members/friends to manage others that may be dependent as well, such as children, grandchildren or siblings.

    • Seek out healthcare agencies that can provide respite and take over the family caregiver’s tasks a few times a week for a number of hours, or even a full day.

    • Ask friends to run errands, such as picking up prescriptions, food and supplies, etc.

    • Keep family members informed of all situations so they know when the tasks will increase as the loved one needs more advanced care. Plans can be altered to include other family members and friends.

    • Just because family lives far away does not mean they cannot contribute. Ask for funds to pay for services and supplies.

    • Consider support groups, including those online, to prevent feeling isolated. You may learn some new ways to feel more at peace.

    • Find something to be grateful for every day. Meditate on these before starting your caretaking day, so you have a centered heart.

    As the family caregiver takes on more tasks for their loved one, a wider circle of support should be available to routinely step in to provide ongoing respite. Don’t be afraid to ask for help! It will give both the caregiver and the loved one a better quality of life.


    ATTENTION PLUS CARE HOME HEALTHCARE
    Accredited by The Joint Commission
    1580 Makaloa St., Ste. 1060, Honolulu, HI 96814
    808-739-2811 | www.attentionplus.com
    AGING IN HAWAII EDUCATIONAL OUTREACH PROGRAM
    by Attention Plus Care — a program providing resources for seniors and their families, covering different aging topics each month. For class information and  upcoming topics, call 808-440-9356.

    When it’s a family caregiver’s sole responsibility to manage the care of a loved one, there will come a time when stress will get to a level where the caregiver becomes unable to perform self-care or continue to provide for their loved one. Getting others involved to help the caregiver will bring much-needed relief.

  • The Best Summer Drinks for Your Teeth

    Lemonade, iced tea, smoothies and juices all sound delicious during hot summer days. But beware of the sugar content, especially if you’re drinking more than one glass a day.

    You probably already guessed that the most important drink is water! It’s good for your body and teeth. Most flavored and carbonated drinks have high sugar content, dehydrating additives and other chemicals to enhance flavor, and make you feel like you’re quenching your thirst.

    Water helps cleanse your palate, dilute the acids in your mouth, and rinse away bacteria or food debris from your teeth and gums. Water also regulates your brain function and energy levels and helps fight dry mouth caused by some medications. Dry mouth isn’t only uncomfortable, it also raises your risk of gum disease and tooth decay. It’s best to keep a bottle of water nearby and sip from it throughout the day.

    If you must indulge in a sweet drink or food occasionally, be sure to rinse your mouth with water to flush out sugar and acids that can break down the enamel of your teeth. Also, be sure to brush your teeth twice a day, floss daily and see your dentist twice a year to live well and smile more at every age.


    HAWAII DENTAL SERVICE (501(c) 4 nonprofit)
    Kahala Howser, Wellness & Events Manager
    808-521-1431 | khowser@hawaiidentalservice.com
    www.HawaiiDentalService.com

    Lemonade, iced tea, smoothies and juices all sound delicious during hot summer days. But beware of the sugar content, especially if you’re drinking more than one glass a day. You probably already guessed that the most important drink is water! It’s good for your body and teeth.

  • Prevent Computer Vision Syndrome

    Work-from-home “virtual” employees must take precautions in order to preserve the health of their eyes.

    Computer vision syndrome (CVS) isn’t a specific set of symptoms — it’s an umbrella term to describe the varying eye discomfort and symptoms caused by screen-related issues. It is almost impossible to avoid progressive vision issues with regular computer use. Adding some basic tools to your home office is vital to help maintain your ability to work via a screen on a regular basis.

    Middle-aged businessman working at nightStudies have estimated that between 70 to 90 percent of workers worldwide who use computers regularly experience symptoms related to CVS. CVS, also known as digital eye strain, can occur from extensive use of any device with a digital screen. Symptoms include dry eyes, blurred vision, headaches, and neck and shoulder pain. Any combination of the following factors can lead to CVS: uncorrected refractive errors (nearsightedness, farsightedness and astigmatism), poor lighting, screen glare, and poor workstation setup for posture and viewing.

    Some experts believe daily computer use may be a contributing factor to the rise in nearsightedness and dry eye disease.

    The first step in protecting yourself from CVS is to correct any refractive error by visiting your eye care professional. Having the proper glasses, contact lenses or surgery to correct these issues will decrease any added strain on your eyes.

    Next, make sure to properly arrange your workstation by:

    • Positioning your monitor between 20 and 28 inches away from your eyes.
    • Adjusting your chair to allow you to view the screen’s center just below eye level at 15 to 20 degree downward angle.
    • Changing screen contrast and brightness to a level comparable to the surrounding light.
    • Using screen covers, lower lighting and curtains or blinds to reduce glare.

    Also, take regular breaks and blink frequently to rehydrate your eyes; every 20 minutes, focus on an object at least 20 feet away for 20 seconds (the 20/20/20 rule); and try over-the-counter lubricating eye drops.

    If CVS symptoms become chronic, speak with your eye care professional about computer glasses or treatment for dry eyes.


    HAWAIIAN EYE CENTER
    Steven Rhee, DO, Medical Director and Cornea Specialist
    Wahiawa 808-621-8448 | Waipahu 808-678-0622
    www.hawaiianeye.com

    Work-from-home “virtual” employees must take precautions in order to preserve the health of their eyes. Computer vision syndrome (CVS) isn’t a specific set of symptoms — it’s an umbrella term to describe the varying eye discomfort and symptoms caused by screen-related issues. It is almost impossible to avoid progressive vision issues with regular computer use.

  • The Brotherhood of Senior Softball

    Seniors take their sports seriously, but with perspective gained over years of competition, the element of fun has become paramount for most players. Although they have a passion for playing, winning isn’t everything. Camaraderie, reunion and ‘ohana, fitness and fun are the most important elements of a senior’s game plan.

    Baseball may be America’s pastime, but softball is the the No. 1 sport among seniors in Hawai‘i. There are a lot of fields and a lot of leagues. Each league has eight to 20 teams. There can be 20-plus players on a team roster. It can be played year-round, it doesn’t cost much to play and costs nothing to watch.

    Kūpuna softball has been played on O‘ahu for the past 46 years. The goal is to keep kūpuna healthy and active through an activity they enjoy.

    The seniors league runs year-round and is mainly played at the Patsy Mink Central O‘ahu Regional Park (CORP) in Waipahu. There is also a seniors league in Kohala, Manoa, Ala Wai and others that play on different days of the week at other fields. There is a league of some kind just about every day of the week. Over 400 seniors participate in leagues throughout the islands.

    Makua Ali‘i Softball League

    Fetuosasae “Fetu” Sua, 64, and Randy Madeiros, 69, have played together on teams and leagues in the past. Now, Fetu is the catcher and outfielder for Bad Company and Randy is the captain and pitcher for the Hawaiians.

    “I play on a Friday league for 50-and-over players,” says Randy, who has been playing softball since age 20 and in the senior league for 11 years. “I also play on a Saturday league at Kapi‘olani, which is an 18-and-over league. I’m the old guy out there in that league. I also play in a co-ed league on Sunday in Kailua. I play a lot.”

    Fetuosasae “Fetu” Sua, 64, and Randy Madeiros, 69, are looking forward to the 46th Annual Hawai‘i State Senior Tournament. PC: Jeffery Kimoto
    Fetuosasae “Fetu” Sua (left), 64, and Randy Madeiros, 69, are looking forward to the 46th Annual Hawai‘i State Senior Tournament. PC: Jeffery Kimoto

    But the name of the slow-pitch softball league he enjoys on Wednesdays is the Makua Ali‘i Softball League. There are 22 teams in the league on O‘ahu that play all year long. Three other islands participate in the statewide league in addition to O‘ahu: Kaua‘i, Maui and the Big Island. Each island has its own competition. Winning teams  on each island meet up at the annual tournament.

    Players must be 60 and over to participate in the league. Age brackets are 60 to 65, 65 to 70 and 70-plus. The older you are, the more age brackets you can play in. If you are a very competitive senior, you can play in a younger age group. But the younger players can’t play in an older age group.

    Each team is also allowed one 55 to 59 year old on the field. “The young whippersnappers want to hit it out of the ballpark — but consistency is the key,” says Randy, who was 58 when he joined the league as the “young guy.”

    “A player 55 to 59 years old is considered to be a young puppy,” says Randy. “There are many 70 and over players. We have a few players in their 80s. A retired fireman on the Firehouse team is still in the league at 87. Valued senior players are consistent and maybe place the ball over the second or third baseman’s head instead of trying to hit out of the park… just out of his reach.”

    “There are guys over 70 who will play on the 60 to 65 team because they are competitive,” says Fetu. “They may be 72 but they hit like they are 67,” Fetu laughs. “But age takes its toll after a while.” Fetu is in his third year in the Makua Ali‘i Senior Softball League.

    The Competition

    “The Makua Ali‘i Softball League can be a real competitive league,” says Fetu. “Although I want to compete at the highest level, I also want to have fun. And anyway, any team on any given day can be the worst or can be the best. It depends on who shows up to play. As for me, I get good respect when I step into the batter’s box. I am a pretty big individual.”

    “We’re not getting paid for this… it’s about bragging rights,” Fetu adds. “You are really lucky if you get a trophy, too.”

    Hawaiian team members include (L–R) Jacob Thomas, 59, shortstop; Warren Ho‘ohuli, second base/catcher; and John Iokia, 68, first base/third base. PC: Jeffery Kimoto
    Hawaiian team members include (L–R) Jacob Thomas, 59, shortstop; Warren Ho‘ohuli, second base/catcher; and John Iokia, 68, first base/third base. PC: Jeffery Kimoto

    ‘Ohana & Exercise

    “After a game, we talk about the game… the best hit you had, how fast you ran, great catches,” says Fetu. “The next thing you know, we are having a barbecue and a few beers and talking story until midnight.”

    “At this age, instead of sitting around in a rocking chair, it is really good exercise,” says Fetu. “We may not run as fast but we do try to run.”

    “The brotherhood of softball definitely requires some physical activity!” adds Randy. “At our ages, that’s a good thing.”

    For Love of the Game

    The competition level within each team depends on the team’s philosophy.

    “But the bottom line is, it’s all for fun,” says Randy. “When we unite together and play the game we love, it’s awesome! I look forward to Wednesdays. Yes, it’s mainly a fun thing, but then again, we don’t show up on Wednesdays to lose! We have fun and we try to win. I look forward to participating every week and being part of the brotherhood of softball — players my age — and having a fun time.”

    “Competing is important, but so is just having  fun,” says Fetu. “We just want to go out there and have a good game. We may win or lose, but we wish everybody the best — for nobody to get hurt and go home safely to their families.”

    The statewide tournament will be held Tuesday through Friday, Aug. 2 to 5, at CORP on O‘ahu. More than 60 teams may be participating.

    How to Get On a Team

    There are no tryouts for the Makua Ali‘i Softball League. If you fit the age requirement, let the individual team know you have been watching and let them know you want to play ball.


    SENIOR SOFTBALL USA HAWAI‘I
    Jeffrey Kimoto, Director
    808-212-5953 | JeffreyKimoto@gmail.com
    www.oahuseniorsoftball.org
    https://oahuseniorsoftball.org/docs/schedule.pdf
    * The C&C of Honolulu is starting a 60+ senior league on Thursdays.

    Seniors take their sports seriously, but with perspective gained over years of competition, the element of fun has become paramount for most players. Although they have a passion for playing, winning isn’t everything. Camaraderie, reunion and ‘ohana, fitness and fun are the most important elements of a senior’s game plan.

  • Clean Your Closet Like There’s No Tomorrow

    A happy senior couple moving boxes into or out of the back of their car. They are moving house, perhaps downsizing. They are looking at the camera, smiling.It’s shocking! How did I accumulate all this stuff? An embarrassment of riches may be a first-world problem — having too much of too many good things — but it is a reality for many of us, even those who don’t qualify as full-fledged hoarders. But even simple clutter has its own risks; for starters, the chronic and repeated stress caused by frantic and frustrated searching, and the risk of falling over precious possessions left in precarious places. In addition, clutter is distracting, saps time and energy, diminishes productivity and steals attention from more worthy endeavors. Overabundance can suck the pleasure right out of all this privilege.

    The reasons why we clutter are numerous, some rooted deep in the limbic system of the brain. What would happen if we ran out? And who hasn’t indulged in retail therapy to offset a bad day? It’s actually kind of patriotic to support our economy, right? Another good rationale is holding onto the past. Out of guilt or sentiment, you can collect trunks of useless gifts, for example. And if you don’t have a use for them, chances are very good that no one else will, either. But I think that if I dispose of something, I will need it, so there it sits, collecting dust and causing guilt.

    Whatever the reason for our lifelong accumulation of treasures, sadly, the burden of clutter doesn’t even end when we die. If you have ever been left with a loved one’s home full of belonging, you may realize the impact that a cluttered home can have on others after we are gone. The process of disposing of an estate at an already stressful time can be costly and time-consuming.

    Donation box with clothes isolated on whiteNo, Ingrid, you can’t take it with you.

    From the country that brought us an adult playground filled with budget-friendly, flat-packed DIY furniture comes a methodology that also exemplifies the sleek, stoic and sparse sensibilities of the Swedish lifestyle and hallmarks of Scandinavian minimalism.

    Döstädning (pronounced duo-stad-ning), or Swedish death cleaning, is a decluttering and organization method stemming from the Swedish words “dö” (death) and “städning,” (cleaning). As the name denotes, death cleaning is designed to help its practitioners prepare for death. But it isn’t as morbid as it sounds. It is simply a way to make the downsizing process efficient and uplifting rather than overwhelming and depressing.

    Döstädning is not about everyday dusting or mopping — it is about a permanent state of organization that makes your everyday life run more smoothly in the present, with an eye toward the future. The practical and pragmatic exercise involves getting rid of all the stuff you don’t need anymore so that no one else will be burdened with the task after you are gone. As it has often been described, it is meant to help you “clean your closet like there’s no tomorrow.”

    And no, you don’t have to be Swedish to do it. The task of clearing out unnecessary belongings can be undertaken at any stage of life. But the goal is to do it well before others must do it for you… Unburdened by baggage (emotional and actual), you may find yourself less stressed and more focused once you’re living in a clean,  organized space.

    So let go of what doesn’t matter. Dig deeper into what is important. By “cleaning up your act,” you will be doing yourself a favor as well as those who will survive you. And getting rid of items  can serve as a reminder that things don’t last forever, including us.

    A large cardboard box filled with Yard Sale or Tag Sale items to be sold at a discount in order to make room and make some money at the same time. Yard Sales are an important part of our economyHow Do You Start the Cleanse?

    There have been many recent books written on the subject. Just search the internet for “Swedish death cleaning” and you will come upon many books that capture this bit of Scandinavian wisdom, encouraging readers to embrace minimalism, put things in order and possibly even broach sensitive conversations. Some of them have step-by-step instructions in addition to a description of the philosophy behind the methodology. If you want to get going immediately, here is a starter from “The Gentle Art of Swedish Death Cleaning.” and “Swedish Death Cleaning: A Beginner’s Guide (with Tips & Things to Know).”

    Approach the project with this in mind: Which items will be of any value to others after you die?

    STEP 1: Once you have evaluated your intent and mindset, begin the process. Reach out to friends and family and gently inform them of what you are doing, assuring them that you are simply decluttering your home. Explain the philosophy behind this method — that this cleaning strategy is ultimately about decreasing their stress. Discuss which belongings they would be interested in preserving. Affirm that your feelings will not be hurt if they do not want a particular item.

    STEP 2: Deal with items with high sentimental value last as to avoid getting lost in reminiscence. Put these aside for later. Start with items that you cannot see — belongings stored in attics, closets and drawers that are generally of little sentimental value and easier to part with. Move on to bigger items, such as furniture, collectibles and books. Donate or sell everything that your friends and family members do not want.

    photo of a Box of memoriesSTEP 3: Next, organize your closets, clothes and shoes. Now is the time to get rid of all the things you have been holding on to “just in case.” The rule is, if you have not worn it within the last year, donate or sell it. Just like other possessions, if a certain clothing item has sentimental value to you, ask a loved one if it is something they would like to keep. If their answer is no, donate or sell it. Take comfort knowing that your favorite dress will “spark joy” for its new owner. Neatly organize your remaining clothes.

    STEP 4: Lastly, sort through sentimental items — photographs, heirlooms and letters. Again, discuss with loved ones which items they would like to keep; create a box for the rest. This box will contain those belongings  that are special to you but insignificant to others. Leave instructions stating what should be done with the box — even if that means throwing it away.

    Remember, if any of the items you are keeping have significant value, leave instructions for whoever will clear out your home. Remember, Swedish death cleaning is meant to be an invaluable gift that you can give your loved ones that simplifies their lives, as well as yours.

     

    It’s shocking! How did I accumulate all this stuff? An embarrassment of riches may be a first-world problem — having too much of too many good things — but it is a reality for many of us, even those who don’t qualify as full-fledged hoarders. But even simple clutter has its own risks; for starters,…

  • Is It Worth Switching to an Electric Car?

    Considering the rising costs of gasoline, is the initial price tag of an electric vehicle (EV) worth the extra money? EVs also impact the environmental less and offer other potential benefits, but what about hidden costs?

    If you are thinking about getting a new car, you have likely considered buying an EV. Whether or not to invest in an electric vehicle is a personal decision and one not to be made lightly, considering the cost of a car these days.

    An increasing number of them will be hitting the roads as the auto industry transforms from producing primarily internal combustion engine (ICE) vehicles to electric models. Zero-emission vehicles will account for 70 percent of new passenger vehicles globally by 2040.

    ICE engines generally cost less upfront, people are familiar with the operating systems, and refueling is fast and easy to access. On the other hand, EVs are better for the environment, cheaper to charge than fuel with gasoline and less expensive to maintain. But what are the real numbers?

    Maintenance: The US Department of Energy commissioned research that examined the maintenance costs of EVs versus gas-powered vehicles. After accounting for all aspects of service, the study found that light-duty gas vehicles cost 10.1 cents per mile to maintain, whereas similar battery electric vehicles could be serviced for 6.1 cents per mile. That is a difference of $8,000 if each car travels 200,000 miles, the average expected lifetime of a gas-fueled car. But EVs are made to last an average of 300,000 miles, putting the cost savings at $12,000.

    Fuel: Energy costs for gasoline, and especially electricity, vary from state to state. Currently, there is no gas tax for electric cars, although some states add a tax to EVs to replicate it. Since 2019, a special registration fee of $50 is assessed for plug-in EVs in Hawai‘i. According to AAA, the  average fuel cost for an EV is between 4 and 5 cents per mile. If gas is $3 a gallon and your ICE car gets 35 miles per gallon, then it costs 8.6 cents per mile to operate, or nearly double the EV fuel cost. As we have seen this summer, gas prices have risen much higher than that at over $5 per gallon, making the cost for a gas-powered vehicle over 14 cents per mile.

    Hidden costs associated with driving EVs

    • The cost of a home charger. It is always cheapest to charge your car at home. Level 1 home chargers cost between $300 and $600. It can take up to 20 hours to charge your car. A faster Level 2 charger runs $500 to $700. Add $1,200 to $2,000 for the installation charge.

    • Commercial charging. If you want to take your EV on road trips, if you travel more than about 100 miles from home or you forget to charge it, costs will rise significantly. Commercial charges cost three to four times that of residential rates; some charge a one-time fee to use them.

    • The EV tax. Some states currently charge an EV tax to make up for the losses of taxable gas vehicles. Currently, Hawai‘i does not assess this tax.

    • Deadhead miles. These are hours you may spend driving around, searching for a charger. The “EV Stations Hawaii” app utilizes the Hawai‘i State Energy Office’s database of publicly available EV charging stations, which is also available online at www.electricvehicle.hawaii.gov.

    Subsidies: Most EVs and plugin hybrids are eligible for up to a $7,500 federal subsidy on the purchase price. The amount you get will depend on factors like battery capacity. Unfortunately, most Teslas are no longer eligible for the credit. Once the company sold 200,000 vehicles, the credit phased out. The Build Back Better Act, if passed into law, would include significant refundable tax credits that include Teslas. Currently, Hawai‘i does not offer state tax credits or rebates.

    EV Fun Factor: Driving one can be thrilling; they can accelerate amazingly fast. They are also at the forefront of the self-driving car movement.

    Are EVs Really All That Green?

    The short answer is yes. But just because EVs have no exhaust emissions does not mean that there are no associated environmental impacts.

    Power plants that rely that rely on coal to generate electricity emit carbon pollution. Energy generated by renewable resources such as wind and solar have an extremely small carbon footprint.

    Cobalt and lithium are required in lithium-ion cells. Cobalt is mined largely in the Democratic Republic of Congo, where a large proportion of mines are unregulated. The mining produces waste that can leach into the environment. The smelting process can emit harmful air pollution. Lithium mining uses groundwater, reducing the amount available for farmers and herders in mining areas in Argentina, Bolivia and Chile.

    Spent batteries are difficult to reuse and recycle. While 99 percent of lead-acid batteries are recycled in the US, only 5 percent of lithium-ion batteries are recycled. Some 12 million tons of lithium-ion batteries are projected to retire between now and 2030.

    The Choice is Yours: Maybe you are convinced that EVs are the way to go. Or will you just sit back and hold onto the old SUV in your garage another year, watching as more and more EVs roll out? Before you make up your mind, take these variables and a plethora of others into account.


    CSA (Society of Certified Senior Advisors)
    1-800-653-1875 | www.csa.us
    Blog posting provided by Society of Certified Senior Advisors, Apr 13, 2022

    Considering the rising costs of gasoline, is the initial price tag of an electric vehicle (EV) worth the extra money? EVs also impact the environmental less and offer other potential benefits, but what about hidden costs?

  • The Rarified Air of Acceptance

    Kathleen and Susan were finally able to marry in 2019. Love won.
    Kathleen and Susan were finally able to marry in 2019. Love won.

    Our friends, old and new, are sweetly awed when we tell them our love story. We met in college in the mid-’70s. We fell in love. We knew beyond a doubt that we were meant to be together. Yet, as fate would have it, we met at the wrong place and the wrong time for our relationship to flourish. As time has told, those feelings between Kathleen and I (Susan) have now endured for decades. But it was a long road to gain respect, visibility and equality.

    The Stonewall Rebellion of 1969 marked the beginning of the gay rights movement’s bloody, sacred, defiant crusade of “enough is enough.” In the summer of 1991, West Hollywood’s City Council passed a resolution in support of same-sex marriage, becoming the first city in the US to publicly affirm why marriage matters for all Americans. But many incremental steps taken by waves of activists had to happen in our country before “love won” in the 21st century. It wasn’t until 2015 that the US Supreme Court Justices affirmed a constitutional right to marriage equality for same-sex couples.

    It would be an understatement to say that the passage of the landmark Marriage Equality Act was a cosmic transformation in the lives of bisexual and transgendered peoples, gay men and lesbians, including myself.

    Pre-MEA: Struggling to Belong

    Before the MEA became law, only Jude, my best, straight high school friend, would ask me about the status of my long-term, same-sex relationship. I’d ask her about Jim; she’d ask me about my then-partner “Bette.”

    Susan Miller and Kathleen O’Bryan first met in college in the mid-’70s.
    Susan Miller and Kathleen O’Bryan first met in college in the mid-’70s.

    Being “closeted” was filled with a constant, intense fear of “being outed”— found out. I feared the consequences, even in the diverse, ultraliberal, state of Hawai‘i. In a place that culturally revered the sacredness of mahu — those who embody both male and female spirit — gay men were routinely assaulted outside gay bars by straight men. Even here in paradise, homophobia reigned.

    And even though Hawai‘i offered legal protection against employment discrimination, other equal protections under the law were limited.

    In the late 1980s, “Bette” and I were raising her daughter, “Annie,” together in Honolulu. Every day was a social and emotional struggle to fit in. I had a job with a leading nonprofit committed to strengthening community by empowering young people, improving health and well-being and inspiring community. I worked fulltime in its at-risk youth drug prevention program, an innovative, cooperative partnership with middle schools, offered during school hours. Weekend group outings were also offered to kids in struggling family settings who were at risk for failure at school.

    After passing the probationary period, I was offered vacation, sick leave, and healthcare and dental benefits. All my coworkers’ families also enjoyed family benefit coverage. So filling out the paperwork for my new permanent position, I claimed “Bette” and “Annie” as my dependents, neither of whom had health or dental benefits.

    My supervisor, Tony, was my exact same age — born on the same day and year. We became good friends. So it was difficult for him to explain to me, sheepishly and apologetically, that the nonprofit’s administration had declined coverage for my dependents because we weren’t married.

    What may have been equally hurtful, if not more so, was that while my coworkers shared openly about their kids and spouses, there was never a mention about me, my feelings and my invisible family. They all knew I was gay; a lesbian with a family. But at workplace potlucks or before office meetings, nobody asked me, “How’s da family?” The void was filled by a deafening, awkward silence. I was there — but not there.

    It was back in the 1990s and domestic partnership and civil unions had yet to be recognized by the state. Eventually, benefits were extended to families of state employees, but it was still optional for private sector businesses. Even so, we persevered through decades of being a despised, oppressed minority because of who we are and who we love. Lawful marriage was beyond unthinkable.

    Freedom for All Americans

    When the freedom to marry became the law of our land, we were liberated. No longer immoral outcasts, we belonged, for real, in mainstream America. Before Kathleen and I got married, we were domestic partners, and because I was employed in the University of Hawai‘i system, my state employment benefits were extended to her.

    But it wasn’t until the federal right to marry was recognized in 2015 that the straight world became aware of the LGBTQ persons around them who were breathing their same air — and had loved ones and families and interesting and fascinating lives! The right to be married not only liberated LGBTQ people, but straight people, too.

    Kathleen now has rights to my federal employment entitlements. We don’t need wills or probate courts for either of us to keep our jointly owned belongings. Neither her family nor my family have rights to what we own together. But that wasn’t always so.

    The MEA extended close to 1,000 rights and benefits to LGBQT married couples — rights we didn’t even know we were missing until 1991, when University of Hawai‘i law students began to research all the benefits and entitlements enjoyed by opposite-sex married couples. The same-sex marriage battle in Hawai‘i lasted 23 years, and in the process, helped transform LGBTQ rights in the rest of America.

    I was among those in the same-sex marriage battlefield in Hawai‘i in the 1990s. We were the first state to mount a legal challenge that went to both the state and federal Supreme Courts. But it was New York that became the first state to grant same-sex couples the legal right to marry in 2015.

    A Well-Deserved Golden Age

    The first miracle for Kathleen and I was that we reunited in Hawai‘i in a future that accepted our love for each other.

    The second miracle was one we never dared to believe would happen in our lifetime. Forty years after we met, we could legally marry. We waited, we pondered and we talked before joining millions of LGBTQ couples who are now legally married.

    Although we had to endure 35 years of living apart before coming back to each other, we finally married and settled happily in Upcountry Maui. Now in our 70s, we live as newlyweds. We’re growing and discovering each and every day during our marriage journey.

    We’ve ignited a change in society and society has changed. Winning the freedom to marry, nationwide, we all rose together.

    Marriage equality gave us a new dignity. With societal shifts to more respected public identities came a plethora of socioeconomic benefits and legal protections codified in law — more social stability in our communities — a positive outcome.

    And while successful marriages in the heterosexual population are in decline, the number of same-sex married couples has increased. Looking back from whence we came, we’re living an American dream. And there’s no going back to those suffocating closeted lives — we’ve done too much and come so far.

    Our love moved all of us from objects of ridicule and scorn to dignity, now breathing the rarified air of acceptance — outside the closet forever, with our whole lives ahead of us.


     

    Our friends, old and new, are sweetly awed when we tell them our love story. We met in college in the mid-’70s. We fell in love. We knew beyond a doubt that we were meant to be together. Yet, as fate would have it, we met at the wrong place and the wrong time for…

  • Facing Age Discrimination

    Concept of accusation guilty businessman person. Side profile upset old man looking down many fingers pointing at him isolated grey office wall background. Human face expression emotion feelingAs we get older, what at first seems to be respectful and benign behavior begins to morph into microaggressions. “He is way too old to be trying that!” “Look what she is wearing — at her age!” “Production will slow down if we hire him.”

    A microaggression is a comment or action that negatively targets a marginalized group of people, including seniors. Whether intentional or accidental, it’s a form of discrimination. People who use microaggressions may mean no harm to a person or group, but it can still hurt.

    If we are honest,  it is easy to pinpoint our own feelings about aging. Aging does frequently result in restrictions and it often does impact our abilities. But just as with other forms of discrimination, the differences we note shouldn’t be our primary impression.

    Aging is natural. So, before you discover that old man or lady in the mirror looking back at you, learn how to relate to older individuals as individuals — not a silver tsunami, not a societal burden, not an obligation — as a person.


    THE CAREGIVER FOUNDATION (501(c) 3 nonprofit)
    926 3rd St., Pearl City, HI 96782
    808-625-3782 | info@thecaregiverfoundation.org
    www.thecaregiverfoundation.org

    While we are taught to treat those of a different race or religion equitably, seniors often face age discrimination. It first appears as an attempt to be helpful. Someone holds a door open for us. The bus waits a little longer for us to climb aboard. The bank teller smiles more as he hones his…

  • Follow the Medicare Road

    Not too long ago, my extended family enjoyed getting all the cousins together to watch “The Wizard of Oz” every year. We loved watching Dorothy follow the yellow brick road to Oz. It was a great bonding activity. Now those same family members are calling to ask for help with Medicare. Where did the time go?

    Recently, a relative called about a letter from his Medicare plan. It explained that a medication he takes regularly was covered as a courtesy but would not be filled again. My cousin was as shocked and disappointed as Dorothy was when she pulled the curtain back and found that Oz the Great and Powerful was not what she expected. My cousin blamed Medicare, the insurance plan and the sales agent. Here are the steps I offered.

    Step One: Call the plan to determine if the drug requires prior authorization, is subject to quantity limits or step therapy rules.

    Step Two: Contact the prescribing doctor’s office and have them call the plan to provide additional documentation based on the drug coverage rules.

    Step Three: Contact your plan to file an appeal and if necessary, ask for an expedited review.

    My cousin learned his medication was subject to prior authorization rules. The doctor contacted the insurance company and it will be covered.

    With a little help along the way, everyone should be able to follow the Medicare road and resolve any bumps along the way.


    GET2INSURANCE.COM FAMILY OFFICE
    1003 Bishop St., Ste. 2700, Honolulu, HI 96813
    800-226-3660 | martha@get2insurance.com
    www.Get2insurance.com

    Not too long ago, my extended family enjoyed getting all the cousins together to watch “The Wizard of Oz” every year. We loved watching Dorothy follow the yellow brick road to Oz. It was a great bonding activity. Now those same family members are calling to ask for help with Medicare. Where did the time…