The November program, led by Libby Edwards-Allbaugh, Owner of the Tax Ladies, and Jason Statuta, Managing Director of Petrichor Wealth, gave the audience an opportunity to learn strategies to assist with keeping their taxes in check.  Year-end tax and investment planning is essential to keeping more of what people earn.  Tax planning involves analyzing your financial situation to ensure that all elements work together to enable you to pay the lowest taxes possible, avoid penalties and enhance your overall financial health.

The tax planning ideas that Libby and Jason focused on were understanding 2024 tax laws- both now and in the future, maximizing retirement plan contributions for those still in the workplace or self-employed; managing your Required Minimum Distributions (RMD’s) for those over the age of 70 1/2  through the use of Qualified charitable distributions (QCD’s); considering greater charitable giving in higher income years or using Donor Advised Funds (DAF) for highly appreciated assets when there is a windfall within a tax year; tax loss harvesting to capture the losses which can offset some or all capital gains in your taxable portfolios or the use of direct indexing funds- an investment vehicle that can provide enhanced tax benefits for some investors.

For individuals and small business owners, the advantages are clear.  Reducing their tax burden, integrating tax strategies with broader financial goals and minimizing the risk of audits and penalties are all ways that integrated tax planning benefits the well prepared taxpayer.

Sue Liberman, President of Senior Statesman of Virginia (SSV), emphasized the importance of seniors being informed and engaged in the upcoming election.  The purpose of today’s meeting was to provide information and resources to help members feel confident about voting.

Jim Nix, SSV Board member and Treasure, and member of the Charlottesville Electoral Board, reviewed key election dates and deadlines, including:

· October 15th – Last day to register to vote
· October 25th – Last day to request an absentee ballot
· November 2nd – Last day for early voting. Jim stressed the importance of not waiting until the last minute to request and return absentee ballots due to postal service delays.

Jim introduced speakers Lauren Eddy, Albemarle County Registrar, and Taylor Yowell, City of Charlottesville Registrar.  The registrars provided an overview of the various voting options and procedures, including:

· In-person early voting at their offices
· Requesting and returning absentee ballots by mail or drop box
· Voting provisionally if issues arise (e.g. lost/misplaced absentee ballot, same-day registration)

They emphasized the importance of voters checking their registration status and polling place; both noting that there are no major changes to voting procedures from previous elections.

The registrars discussed the security measures in place to protect the integrity of the election, including:

· Backup power and contingency plans for technical issues
· Bipartisan observation and oversight of all election processes
· Coordination with emergency management and law enforcement to ensure voter and election official safety

They assured the group that voting will continue no matter what, even in the event of power outages or other disruptions.

President Liberman closed the meeting by encouraging everyone to exercise their right to vote and have their voice heard. She also provided an overview of upcoming Senior Statesman events, including tax preparation tips in November and the annual meeting meeting in December…with a celebration and program focus on
Health, Wellness and Sexuality for the Senior!!

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More than 100 civic-minded seniors attended the 5th Congressional District Candidate Forum on September 11th at The Center.  Senior Statesmen of Virginia (SSV), The Center and the League of Women Voters Charlottesville Area jointly hosted the Forum. The League provided voter registration services and voting information.

President Sue Liberman welcomed everyone and noted the events of 9-11-2001 as we remembered the solemn anniversary.  She also paid tribute to the brave men and women on Flight 93.  Their collective action avoided additional attacks on our democracy. President Sue encouraged everyone to take action and vote on November 5th…to again prevent an attack on our Democracy.

Gloria Witt, the Democratic candidate for the 5th District, and John A McGuire, Republican candidate, were invited to participate in the Forum.  Gloria Witt accepted.  Senior Statesmen member Bob Beard moderated.

Candidate Witt shared her background, noting she spent a long career in procurement, enhancing her negotiation and collaboration skills.  She is successful in helping people with different, even competing, views find common ground and agreement. She believes a “no” is an opportunity to learn more, and that listening to other points of view can open up discussion and lead to consensus.

Candidate Witt stated that she has several family members who are teachers, and thus believes in the power of excellent schools; restoring a woman’s right to control her own body; changes in access to health care is needed; and changes in gun control to allow background checks and safety requirements.  She believes climate change is real and deserves policy attention.

More than a dozen questions were asked, spanning additional topics such as the economy, inflation, Project 2025, Ukraine war with invading Russia, Gaza conflict among Hamas/Israel/Palestine, and more.

Candidate Witt encouraged everyone to vote and invited anyone interested to volunteer!

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To open our “Optimizing Brain Health” program, Dr Kathleen Fuchs of the UVA Memory and Aging Care Clinic (MACC) shared definitions, including cognitive changes in normal aging: slowed information processing, reduced mental flexibility, slowed learning, mild inefficiency in retrieval and words/names. Plasticity offers hope for older brains…it is new brain connections in response to life experiences.  New thoughts and skills carve out new memory pathways.  Repetition and practice strengthen these pathways. Animal studies show improved cognitive performance with:  1) enriched environment; 2) exercise; and 3) increased social interaction.

Cognitive reserve provides persons with higher lifetime intellectual enrichment the ability to withstand neurological disease progression without suffering cognitive impairment or dementia. Education (early and lifelong learning), cognitively challenging work, cognitive leisure activities, social activities and aerobic exercise are contributors to Cognitive Reserve.

#1 brain health activity:  exercise. Exercise 3-4 times per week.  Build up to 30 minutes. Increase your heart rate.  Be sure to check with your doctor before starting, if you don’t currently exercise.  Walking and talking double benefit.

Follow a Mediterranean diet.  Watch sleep quantity/quality.  Check hearing.  Monitor your mood.  Seek socialization.

IF interested in participating in research, contact Colleen Webber, UVA Memory Disorders Division, 243-5898 phone.

The Center’s Executive Director Melanie Benjamin shared literally hundreds of ways to improve plasticity and cognitive reserve at The Center, including exercise/fitness, painting/art, Spanish/Italian/French,  crocheting,  gardening, cooking, quilting, dancing, support groups (Parkinson’s, Womens, Cancer, Mental Health, ADHD, Grief, Retirement, Aging in Place, etc.), education (Pride Series, DEI Series, Brain Health, Cell Phone tutorial, Architecture, Good Life series, Funerals, Medicare, Vietnam, WWII, Money, Navigating Senior Living Options and more), luncheons, music performances, movies, documentaries, beer and bingo, book clubs, health services (flu clinic) AND MORE !!

Maintain your brain….you have the power.

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Following the program, the SSV held a reception welcoming everyone back to The Center at Belvedere:

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Dr. Jean Runyon and Dr. Brie Gertler

Dr. Jean Runyon, President of PVCC, and Dr. Brie Gertler, Vice Provost of UVA, provided an informative overview of each institution’s focus and impact.  They shared the many ways that the two institutions of higher education collaborate …both in educational and economic initiatives to the benefit of all citizens!  

Dr. Runyon shared how new programs are created and was asked if a tourism program might be in the future.  Dr. Gertler was asked how the University is adapting to support adult learners.  She noted that the College of Professional Studies is geared specifically for adult students returning to college in pursuit of their bachelor’s degree.  

Both leaders shared how their institutions are supporting educational opportunities for incarcerated students.  In addition, both leaders detailed how they are working to educate and support faculty around the appropriate uses of Artificial Intelligence (AI) in higher education.  Both leaders shared the growing national interest college students have in STEM (Science, Technology, Engineering and Math) majors, with computer science #1.  And, despite the decreasing college student interest in humanities/social sciences majors, the humanities and social sciences are and will be part of the general education requirements.  Learning how to think, analyze, and communicate will remain important components of higher education.

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The SSV will return to The Center at Belvedere for programming in August.  The SSV Board extends its sincere appreciation to the staff of the Westminster-Canterbury of the Blue Ridge for their support in hosting meetings during this past year:

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Delegate Amy Laufer, Senator Creigh Deeds and Delegate Katrina Callsen

Another standing-room-only crowd listened intently and asked great questions as our two VA Delegates and VA Senator shared a General Assembly Update…an annual benefit for SSV members.

Delegate Katrina Callsen (54th House District, all of City and small part of Albemarle County in urban ring) serves on Courts, Finance, and Local Government Committees; introduced 14 bills. She is very proud of the Kinship For Foster Care legislation she authored. Katrina was named the “Freshman Delegate of the Year,” by the 34 first-time delegates. She continues to work on probation reform, residual marijuana possession reform (from felony to misdemeanor) and removing guns from college campuses.

Delegate Amy Laufer (55th House District, remainder of Albemarle County) serves on Finance, Education and Agriculture/Chesapeake/Natural Resources Committees. She is most proud of her work on women’s health issues and agriculture. She continues to work on safe gun controls and agriculture issues, as well as disability issues.

Senator Creigh Deeds (11th Senate District, serves all of Albemarle County and the City of Charlottesville). He is the second longest-serving member of the VA Senate and serves on the Budget Conference Committee, as well as Commerce and Labor (chair), Courts of Justice, Finance/Appropriations, and Privileges/Elections/Rules Committees. He counts the appointment of two new State Corporation Commission members (with 3 members total) as a major accomplishment. He continues to work on the Budget, safe gun controls, and mental health issues.

All three shared their support for increased higher education funding and increased health care workers funding in the budget; both included higher salaries. All three noted that working with the Governor’s office has been challenging, as this Governor has vetoed 153 bills of 1,046, amended 116 bills of 1,046, and signed 777 bills of 1,046. He then added 242 more amendments to the first budget bill which was passed with significant bi-partisan support. Rather than address the 242 amendments, the VA House and Senate decided to create a second budget bill, which will be addressed at a Special General Assembly session on May 13th.

They agreed that it is imperative that the budget not be vetoed, as that would cause VA to lose its AAA bond rating. Thus, the General Assembly decided to create an entirely new budget for General Assembly passage and forwarding to the Governor for signature.

All three closed by expressing appreciation for those who attended and the importance of communicating citizen views and concerns with them. All three have newsletters available to constituents. They look forward to hearing from YOU.

Delegate Callsen also provided this selection of bills passed that have direct impact on senior citizens:
• A bill to create the Virginia Memory Center to collect information and provide assistance with Alzheimer’s disease and their families. (HB1455 Carr) – Passed
• A new law to fight financial exploitation of seniors by allowing banks to train staff on how and report suspected cases of financial abuse. The law also allows financial institutions to list trusted persons who may be contacted in cases of suspected elder abuse. (HB692 Mald) – Passed
• Legislation to improve the continuity of health care for patients by prohibiting insurance retroactively denying a previously approved authorization when a patient is switching insurance policies. (HB1134 Willett) – Passed
• Legislation to require more training for firefighters and first responders in helping those w/Alzheimer’s disease or dementia. (HB933 LeVere Bolling) – Passed
Two bills that did not pass and may be of interest:
• A bill to create a Drug Price Affordability Board which would have the authority to set up limits on certain prescription medications. (HB570 Delaney) – Vetoed
• A bill to allow IDs issued by senior living facilities be used for voting. Many people living in senior communities or group homes no longer have a need for a Driver’s License so this would allow residents to use their community ID for voting. (HB26 Reid) – Vetoed

With a standing-room-only crowd, Dr. Philip E Bourne, founding dean of the School of Data Science at UVA, shared an overview of “Artificial Intelligence – Good or Bad?” Dr. Bourne brings trailblazing experience from business (launched four companies), biomedical/data science  research (published 300+ papers and 5 books), academia (University of California-San Diego), and government (first Director of Data Science for the National Institutes of Health) to Senior Statesmen of Virginia and UVA! He also founded the group ‘Deans on Bikes.’

Dr. Bourne shared a primary question to start the discussion: How Disruptive will AI be? He traced the history of Artificial Intelligence, noting it first appeared in the 1970’s. He shared how the data that affects society has changed and grown. Dr. Bourne shared a graph with which we can view and track the AI innovation; on the vertical axis, we have Volume, Velocity and Variety. On the horizontal axis, we have the six stages of innovation: Digitization (did we know that data doubles every TWO years now?), Disruption, Demonetization, Dematerialization and Democratization (what happens when AI models, like quantum computing, reach human capacity? Will this happen?)

Dr. Bourne noted that UVA students accept AI for what it is and look at future growth and uses. For higher education, he suggested that learning modalities will change…. Robotics? Will a job market shift then happen? Will decisionmaking bias develop? Will privacy be eroded? How can we mitigate/eliminate misuse? Virtual reality — will it allow students from farflung geographic locations to ‘be in the same room.’

Many questions were asked and generated discussion and more questions. AI will continue to be a hot topic!

Bethanie Constant, CFRE, VP for Mission at Westminster Canterbury of the Blue Ridge (WCBR), presented a thought-provoking and informative presentation on “Aging, Ageism and Ableism—Beliefs, Myths, Research and Action”. SSV is focused on learning about current issues and how we can have a voice! This presentation fit the bill!

In addition to her WCBR position and expertise, Bethanie is in the middle of her Master of Science degree in Gerontology at Virginia Commonwealth University. The presentation reviewed the following topics:
Consciousness Raising; Finding Commonality; Looking at the Landscape; Understanding Key Terms; Dispelling Myths, Highlighting Research; Transforming Our Perspective; and Sharing Resources

To see Bethanie’s PowerPoint, click here.

–We began by participating in a discussion around four questions.
–We learned that the United States is an aging nation…77 million 65+ in 2034, 94 million in 2060!
–We reviewed implicit bias…..attitudes and stereotypes we associate with other people that exist without our conscious knowledge!!
–We learned the definition of Ageism….which impacts how we think (stereotypes), how we feel (prejudice) and how we act (discrimination) towards others or oneself based on age.   From the World Health Organization!
–We gained knowledge of terms to avoid and suggested alternatives…..from “the elderly” to “older adults”
–We learned the six myths of old age: 1) that it is a disaster; 2) that we are mindless; 3) that we are sexless; 4) that we are useless; 5) that we are powerless; and 6) that we are all alike; and so much more.

The program was moderated by SSV Board Member Sue Liberman.

Libby Jones – Charlottesville Albemarle SPCA  Executive Director

SSV members and guests were welcomed to the January 2024 program meeting by Outgoing President Sue Friedman.  Newly elected officers and Board members were introduced and can be found on our ‘About Us‘ page.

Libby Jones has an impressive career spanning over a decade in animal welfare, veterinary medicine, and zoology, including pivotal leadership roles at influential organizations such as the Humane Society of Charlotte, Guilford County, and her most recent position as Chief Operations Officer at Seattle Humane, Jones brings a wealth of invaluable experience to her new role.

Libby shared an overview of CASPCA noting that the staff members are fully engaged and excited by their work.  She shared that she entered this field for the animals, and now works to support the staff who care for the animals.

Audience questions included:

—With efforts to clear out the kennels, how much care is taken to be sure the pet is going to a safe and happy home so the pet is a higher priority than clearing the kennels? Response: CASPCA uses a nationally recognized program called “Adopters Welcome,” that encourages conversation between the potential adopters and the CASPCA Staff.  They want the adoption to be the right fit for both the animal and the adopter…the animal can happily fit into the adopter’s life.  

—What is the process to become a CASPCA volunteer? Response: The process and application are on the CASPCA website.  There are many ways to volunteer and support CASPCA, plus not all of them involve coming to the Shelter.  For example, food and treat drives in the community are a great way to support CASPCA, and provide volunteer support.

—When taking pets from other areas/shelters, does CASPCA take into consideration how few vet offices there are to take care of the pets once they are adopted in our community? Response: There is a veterinary shortage here and most everywhere in the country.  Veterinary medicine is expensive to pursue and has challenges as pet owners and the public are often critical of veterinary care.  Libby indicated that enrollment in veterinary medicine programs has decreased, as the veterinarian is often not receiving the respect they deserve from their pet owners nor community. The CASPCA is building partnerships and relationships with veterinarians, and looking to expand veterinarian care available through CASPCA, to address the growing shortage as the CASPCA does want to provide adoption opportunities to rescue groups and other shelters.  If these often young and very adoptable animals are not provided opportunities through CASPCA, they are likely to be euthanized simply for space.

—Are all adopted animals microchipped? Response: “Absolutely.”

—Can you provide basic facts, a snapshot, for CASPCA. Response: Libby noted that the budget is about $5 million a year.  More than 3000 animals were rehomed (returned to owner) or adopted last year.  CASPCA has 60 employees, with budget for 65.  

Libby encouraged anyone to contact her (ljones@caspca.org) and visit the website for much more information on CASPCA.

SSV Board Member Sue Liberman introduced our November speaker, Doris Gelbman, and she shared a most informative presentation on “Avoiding Scams.” Attorney Gelbman practices elder law exclusively, and is a member of the National Academy of Elder Law Attorneys.  

 Frauds and scams are crimes, she emphasized, and should be addressed as such.  All of these crimes should be reported! 

Contact Adult Protective Services or APS: 888-832-3858. Also report to Elder Fraud Hotline: 833-372-8311 and report to the FBI: 800-677-1116. The local FBI office can be reached at 293-4283. Reporting these crimes helps authorities connect criminal activities as most of the fraud/scam crimes are part of a larger network.

 Three tips: 1) Never answer a phone caller with “yes” if asked “Hello, is this **your first name** ” Your “yes” can be recorded and used to sign you up for purchases, etc. 2) If a caller says “your grandson is in trouble,” do not say your grandson’s name.  For example, don’t say ” Oh, no, what’s happened to Michael?”  Then, the caller knows your grandson’s name. 3) Do not believe everything you read on Facebook or Google or the Internet.  It is VERY easy to paste a photo over someone else’s Facebook page .. and pretend to be that person. It is VERY easy to create a dummy link to “mayo clinic” or “nih-national institutes of health” …and then capture your computer’s address.  And gain access to your computer contents and passwords.

 Your bank…The IRS…The Courts…Medicare…Social Security… NONE of these call people.  So a phone call pretending to be from them is trouble.

 Attorney Gelbman encouraged everyone to be skeptical and question: BEFORE you click on an attachment or link on the computer; BEFORE you ever give any information over the phone; BEFORE you share any financial information with anyone. And you can call Doris Gelbman if you have a problem!