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Showing posts with label resources. Show all posts
Showing posts with label resources. Show all posts

Tuesday, June 27, 2023

SEEING THE UNSEEABLE: UNHOMED ELDERS

 


I was surprised to see a woman slumped behind the wheel of the car. My regular walk takes me down a dirt road to a wildlife sanctuary overlooking vast stretches of marsh not far from where this photo was taken. It’s a beautiful, out-of-the-way spot where I’ve discovered artists capturing angled light during the Golden Hour, bird watchers, and dog walkers. It’s a wonderful place to soothe yourself in quiet and privacy.

Finding a car parked there wasn’t unusual. Finding a motionless older woman was.

The small, late-model SUV had out-of-state plates and was chock full of clothes and boxes holding papers, pictures, and other seemingly cherished items. I approached slowly and absorbed whatever details I could. The passenger seat had stacks of food in various states of consumption. Clothes—good quality ones with designer names I recognized—hung on a rod suspended over the back seat. Heavy winter coats hung next to summery blouses. The woman’s gray chin-length hair was held back with a neat headband. She had a thick cardigan pulled up over her shoulders.

Her chest rose and fell in a rhythm of sound sleep.

I relaxed. All these details created a picture for me. Here was an older woman taking a road trip by herself and stopped in a gorgeous place to have a power nap before finding another adventure on the road.

I have to say, I was kind of jealous of my conjured image. She fought the stereotype of the older woman who barely leaves home alone. I imagined a healthy woman doing something fun. She looked to have the means to grab whatever gusto life has to offer. I didn’t feel a need to tap on her window to disturb her nap with nosey questions or to call the police to check on her wellbeing. The power of MYOB was strong. I convinced myself that she was fine.

But why was her car filled to the brim? Why did she have so much food with her? Why pack household goods for a road trip? Why was she so exhausted in the middle of the day?

I didn’t think much about these questions until another woman on the same road made the local papers. Police came across the woman in the same spot. They asked if she needed help. She responded she was fine, that she was on her way home, and had taken a wrong turn. A wrong turn that veered off a well-marked and paved street and went over a mile down a bumpy dirt road.

This time, it wasn’t a sunny afternoon. It was midnight. And cold. It seems the police were concerned enough about her “wrong turn” excuse to relay her information to the next town’s police. Her home, the woman said, was just a few towns away. They followed her to the town line, no doubt feeling that helping her was as big an event they would have in their sleepy community that night.

An hour later she was found dead in her burning car on the other side of town. An investigation quickly discovered that she no longer lived at the address she had given. In fact, she no longer lived anywhere.

A pit formed in my stomach. I didn’t see these women as being unrelated to the other. I saw them as horrible examples of a growing, yet invisible, epidemic.

Another woman bravely tried to give voice to what I was seeing. She had become homeless because she could no longer afford her home. She packed everything she owned into her car and posted videos of what it was like to be an older person without money or support. Resourceful, she found safe places to sleep in her car. She recorded what cemeteries had working spigots where she could get water and somewhat bathe. She talked about the struggles that brought her to homelessness and the struggles to get out of it.

In my cluster of coastal towns, images of the perfect life fill the landscape. It was these images that blinded me to what the reality most likely was for the first woman I saw. We are blinded by our bias that homelessness is not supposed to happen to our older adults. We default to ideals. Families step up. Neighbors help neighbors. Communities have resources to swoop in and prevent a life’s worth of memories from filling a shoebox stored in the trunk of a car. I have learned that in my rural oasis, over eighty older adults, men and women, are at risk of or have lost their home because of financial fraud.

It is a number that staggered me.

There is a profound amount of shame that prevents awareness of this increasing problem. Shame stems from a variety of reasons and is most potent when partnered with denial. The older adults feel shame because they weren’t strong enough to hold on to the brass ring of the American Dream and it slipped from their grasp. Or they trusted the wrong person and was conned out of their money. Or their child was too needy and took without asking. Or they were too frail or afraid to say no. Or they didn’t see the theft until it was too late.

Each of these reasons shames people into silence. The older adult is embarrassed into silence and then lies to the outside world to stay wrapped in their carefully crafted facade. The family is in a state of dysfunction because one child took, another needs, or another sees but isn’t believed. The older person doesn’t want to get anyone into trouble and remains increasingly isolated in silence and fear. They just want the bad to stop but watch helplessly as siblings war or neighbors disappear. Communities unwittingly enable the abuse by denying that homelessness happens within their borders.

I was in my own denial when I came across that first woman. I chastise myself for not knocking on her window to see if she was okay or needed anything. I should have known better.

I, too, am watching a beloved elder be defrauded by her own child. I, too, am cornered into silence for too many reasons to count. She’s afraid and filled with shame, so she lies. Her lies help her keep face even as her world dissolves.

Laws protecting elders from financial peril exist, but enforcement is complex, expensive, and completely impotent when shame and denial cow the victim into lying. Change needs to happen but can only happen when we stop denying what we see.

Resources:

National Council on Aging: https://www.ncoa.org/

National Clearinghouse on Elder Abuse: https://ncea.acl.gov/


Tuesday, June 15, 2021

5. Fear, Shame, and Love: The Hidden Epidemic of Elder Financial Exploitation Part Five: Resources

[This is the final of a series of articles leading up to World Elder Abuse Awareness Day, June 15, 2021] 

Part Five: Resources

Today, June 15, marks World Elder Abuse Awareness Day. Started in conjunction with the United Nations and the World Health Organization, WEAAD seeks to increase understanding and awareness of the “cultural, social, economic, and demographic processes affecting elder abuse and neglect. . . [while] acknowledging the significance of elder abuse as a public health and human rights issue. WEAAD serves as a call-to-action for individuals, organizations, and communities to raise awareness about elder abuse, neglect, and exploitation.”

Abuse can be physical, emotional, sexual, or financial. Neglect and abandonment are also recognized forms of abuse. State and federal laws seek to protect elders and vulnerable adults by codifying criminality and identifying illegal acts. This series of articles has focused on the insidious and vastly underreported crime of financial exploitation and abuse against elders. The crime is equally as damaging as other abuses. Most victims are unaware that they have legal protections due to their medical vulnerabilities or simply age. Many states define “elder” as anyone over 60.

Unlike other abuses that may have visible signs of harm like bruises or poor hygiene, financial abuse has few outward signs. The predator may physically or emotionally isolate the elder from supportive friends or family, so clues may go unnoticed. Friends may be reluctant to question changes to wills or financial documents fearing overstepping into private matters. Behavior changes like anxiety, depression, and evasiveness may not trigger an inquiry into the root cause.

Contrary to popular assumptions, financial exploitation is not a problem only of the wealthy. Elders may receive Social Security benefits or enjoy savings or a pension plan that other family members do not have. Because elders may be the only family members with a steady stream of income, experts fear a hidden epidemic of financial abuse as the impact of COVID is fully realized. Victimization occurs through unpaid loans, theft, coerced or fraudulently signed documents like home deeds, wills, or Powers of Attorney. Family dynamics and embarrassment add to the reluctance of an elder to report a crime. Saving face and not wanting “to get anyone in trouble” contribute to financial exploitation is a hidden epidemic. With Baby Boomers reaching retirement age at the rate of over 10,000 per day, the impacted class of potential victims is burgeoning and becoming what experts in the field refer to as an “incoming tsunami of disaster.”

Most predators don’t see themselves or have others see them, as evil people. They are the sons, spouses, daughters, grandchild, close neighbor, landlord, or trusted professional. Bad actors come in all shapes and sizes. They feel entitled to overrule the elder’s wishes for inheritance or money flow for a variety of reasons. Many do not see replacing the elder’s decisions with their own as criminal. The elder’s wealth is “owed” to them because of perceived past sleights or current needs. Predators discount the elder’s wishes to treat siblings equally. Estate and financial plans and the powers that they provide are prime targets for abusive acts.

The most common profile of a predator is a family member in distress. They may have substance abuse issues, but most likely have financial stresses. They may view themselves as being entitled to the assets of the elders by either birthright or proximity; they are the person “on deck” handling the elder’s day-to-day needs while remaining oblivious that their actions may have directly contributed to that elder’s isolation from outside supports.

The elders themselves become the perfect victims. A parent may hide the crime out of a need to protect their child from legal consequences, or a tenant may not complain in fear of eviction from a landlord. The victim feels shame that they “allowed” a family member or close friend to take advantage of them. They don’t want anyone to get into trouble. They just want the actions to stop. The elder victim will often blur the truth to investigators–the very people who are trying to help stop the financial drain. A toxic mix of co-dependency with the abuser and embarrassment contribute to the invisibility of the crime.

How can you protect yourself or another from harm? Good estate and financial planning are essential as well as communicating your wishes to others who do not have a financial or emotional stake in the outcome. Changes to estate documents are a common ploy to alter an inheritance plan. Having a will, trust documents, healthcare proxy, living will, Powers of Attorney are your first line of defense. Sticking to the plan and withstanding pressure to change documents is the second. For many, this is easier said than done.

If you know of a vulnerable adult or someone over 60 years of age whom you suspect to be a victim of financial exploitation, there are resources to help you understand the crime as well as to help the person. Search “(State’s Name) Elder Abuse” to further the process of understanding how you can help. Many states have adult protective services agencies that will listen to your concerns on a confidential basis and conduct an investigation if warranted. Your state attorney general’s office will have a group dedicated to all forms of elder abuse.

National organizations often have referral links to your state’s agencies.

 

National Center of Elder Abuse

https://ncea.acl.gov/WEAAD.aspx

 

American Association of Retired Persons (AARP) Information on Fraud Types and Prevention

https://www.aarp.org/aarp-foundation/our-work/income/info-2015/fraud-prevention.html

 

National Institute of Health/National Institute on Aging

https://www.nia.nih.gov/health/elder-abuse

 

National Guardianship Association

https://www.guardianship.org/

 

National Institute of Justice

https://nij.ojp.gov/topics/articles/financial-exploitation-elderly

 

National Academy of Elder Law Attorneys

https://www.naela.org.

###


 Part One: The Crime 

Part Two: Predators

Part Three: The Perfect Victims

Part Four: Bad Actors

Part Five: Resources

 

Elder abuse is a crime that can be physical, medical, financial, or emotional/behavioral in nature. Neglect and abandonment of an elder can be crimes as well. If you or a loved one is the subject of suspected abuse, call your local adult protective services to speak confidentially with a knowledgeable expert.

=============


 


Monday, November 12, 2018

NEW BOOK: TORY ROOF by Jill C. Baker



Technology Can Be an Author’s Best Friend           
Jill C. Baker

Welcome to Jill Baker to the author community! Bringing a new book into the world has twists and turns that puts many plots to shame. Jill shares a few of her experiences here and an introduction to her new book below. Read on!

~~~

As a long-time writer, but first-time author, getting a book out of my head and into someone’s shopping cart seemed a daunting task. I talked with numerous authors in various genres, including the accomplished thriller author, Connie Johnson Hambley*.
I did know something about publishing, have been a media marketer for years, but the book world was different.  I realized that habits for book consumption were changing and that competition for self-publishers was brutal. I did learn, however, that technology can be an author’s best friend.

(1)    Several people pointed out that there’s no need to work exclusively with Amazon in offering a Kindle format. Nor is there reason to distribute alone.  Publish Drive, which drew attention at the Frankfurt Book Fair a couple years back, offers an online distribution platform, strictly digital, that disseminates your ePub file to dozens of online bookstores, per your selection, in one fell swoop. No money up front. 10% of royalties which vary by outlet. Customer support, real-time and archived analytics, monthly sales report with disbursement options, best practices, direct links for social sharing, webcasts, newsletter – let’s just say, I’m a fan.

(2)    There are also new ways to sample books without going through a bookstore. (Full disclosure: I used to work for the person who created this platform.) Text CafĂ© offers an HTML solution that can be found in Search, embedded in an email, used in social media or on a website. The benefit is that it can attract casual prospects and convert them – with one click, from within the sample—to buyers. Ditto for sharing. In my case, the entirety of Chapter 1 is included, but that’s up to the author. Readers may also customize brightness, font size, and color scheme for optimal viewing. https://textcafe.co/books/vYRGVM/?1541456417023#/

Of course, there are many more tech avenues to try:  podcasts, webcasts, online chats. I ran into someone who was doing ‘book signings’ on Twitter. “How does that work?” I asked the author who goes by the handle, “Tea Pain.” He replied:
“Tea will take dedications by Direct Message (he follows you now) and he'll email you a copy of the first page of his book with your signed dedication you can print out and slip into your paperback. Tea Pain digitally signed almost a 1000 of his first book last year.”

Clearly, sky’s the limit.

For another post by Jill, click here.

About Jill's first book, TORY ROOF:


Sarah Sutherland didn’t go looking for the adventure that engulfed her. She was a modern woman -- a mom and real estate agent, who accepted her routine life -- until she encountered a fiery Revolutionary War agitator in a vintage home she was selling.
Rather than fear him, she was drawn to him physically and emotionally. Soon she found herself embroiled in the fight for independence with a passion she had long forgotten. Parallel story lines unfold, autumn to autumn, interweaving 1765 with the present day.

As Sarah struggles to co-exist in both realms, she learns that the people around her are not as they seem and that her life is in danger. In time, she discovers why she was chosen for an escape most women could only imagine.

Bio:



Jill C. Baker grew up in a small town in New York state where, as a teenager, she wrote a weekly newspaper column and reviewed summer stock theater. She pursued her interest in media and writing at Boston University’s College of Communication. Upon graduation, she moved to Southern California to work in the film industry. With a relocation to San Francisco and eventually back to Boston, she returned to her newspaper roots, serving as a copywriter and promotion manager for leading publishers such as Hearst and Harte-Hanks. Following a detour into the non-profit sector, she became Director of Marketing for a digital publishing provider in the magazine sector. Constantly facing deadlines and rigorous commutes, she often wondered what it would be like to simply disappear and do something else -- thus the motivation for the Sutherland Series. She and her husband live in New England where they’ve raised two sons and several cats. The rich historic setting provides valuable inspiration.


Author Website   jillcbakerauthor.com shows how Jill is "an author and purveyor of guilt-free escape."

Facebook: Sutherland Series   https://www.facebook.com/jill.baker.7393
Twitter:  SarahSutherlandBookSeries @SeriesSarah


*Connie's note: Thank you, Jill, for being my guest today. I'm so glad our chats in person and online have been helpful. 

Dear Readers: Are you an aspiring author? Are you an author looking to leverage your books into a larger audience? DM me on Facebook or Twitter and I'll help however I can!

Monday, November 5, 2018

Gotta Love That Writing Research

Writers of all stripes know the fine line between hyperbole and solid facts. (No, I'm not going to go there in this post.) From writing a term paper in high school to creating good fiction, writers need to know the solid facts before they put their spin into the words.


To write great suspense, authors know they have to play with their readers' trust. Readers must believe we are writing about the world just outside of their door, one they could walk into at any moment if they were as brave or as foolish as our main characters. I often say that we cajole readers into walking the plank with us, and at a certain point we pull the plank away, leaving them suspended in our fictional bubble. If we've done our research right, time will slip away and the only reality readers will experience will be the one we've recreated. 

Great research can structure an entire story. Whole plots of traditional mysteries with amateur sleuths or crime procedurals hang on sound investigative techniques. The sleuth or cop may decide to throw protocol out the window, but the reader and the character know what the price could be for going rogue. 

Other research can be on a point that might seem inconsequential. Maybe the character enjoyed a meal at a Five Star restaurant. The meal is not the point, but the texture added to the story of describing a mouth-watering Indian curry adds to the reader's enjoyment while deepening the understanding of who our character is.

I've often heard authors talk about hours spent researching a certain point only to have the result be a sentence or two of text or dialog. Details matter when it comes to getting and keeping our readers' trust. After our bond is sealed, our story grows in our readers' imaginations.

So, when my WIP needed an American oligarch enjoying a scotch, what kind of scotch would he imbibe? What booze would he stock in the bar of his mega yacht? Oh, yes. You want to know. I gotta say, this is the kind of research I love.

And a bottle of Macallan won. Never heard of it? Me neither, but when I learned that a bottle of 1946 Macallan sold at auction for $460,000, I knew I had a winner. As for stocking the bar? First off, only a Luddite would call crystal bottles of fine spirits booze. Secondly, the showier the better, and a swarovski crystal-encrusted bottle of Oval vodka (at about $6K per bottle) would definitely be on the shelf.

As for making sure I fully understood the difference between my usual plonk and a finer quality spirit? Hmm. Maybe this is where I let your imagination roam.


Monday, October 29, 2018

The Ups and Downs of Writing

You haven't heard from me in a while. Oh, I've posted a few things here, but I haven't written to you directly. I've been ghosting my own blog.

It's not like I haven't been working every single day on my writing. Fall arrives with its events, both family and professional. I'll confess to having brain space issues as some family matters have demanded the lion's share of my processing capacity. Some days, I feel as if I've been shot out of a canon.

Between trips to New York and throughout New England, I've been diligently working on my fourth novel. An author's deep secret is that we often prefer the solace of our work to real life. We can kill a character or two, or cry at our keyboards as we concoct gut-wrenching situations. The hours spent shaping and refining scenes are some of the most rewarding.

But they are lonely hours, and days can blur together. Finding a way to mark progress and feel accomplished is sometimes hard to do, but I discovered a method.

While writing the first draft, I marked progress by noting my word count. Each time I sat down, I noted the prior day's date and the total word count in my WIP in a separate document. Since I'm a pantser, to get back into the flow, I would revise the prior day's work. Sometimes the word count plummeted as I hacked out sections. (I do have a "Dumped Passages" document, so work is not lost forever.) Once buffed, I advance the story. 

During the first draft phase, I keep my butt parked until I reached the day's goal, typically a net gain of 500 words. A good day was over 1000. Yes, I've had 5000 word days, but not as a norm. The word count inched upwards. I marked each 10K with a colored highlight and a glass of wine.

According to seasoned agents, the sweet spot for the total word target for my genre, suspense/thriller, is between 90K. It can be up to 100K if the author knocks it out of the park. Find Cally's first draft was completed at 91,286 words. 

The first draft is the raw clump of clay on the wheel. Revisions shape and add clarity. I needed to add clarity without adding words. My word count inched up.

This is where the fun part began and I sharpened my skill as a story-teller. By keeping focused on the number of words, I made hard decisions about what advanced the story forward or what passages acted like a sea anchor and slowed my story down. I consolidated dialog and streamlined action. 

My editor weighed in. I added two chapters. My count today is 91,281.

I have agents who have requested a full manuscript of Find Cally. I'm confident I'm presenting the best darned product I can within the target word count that will make their hearts pitter patter. 

And the long wait of the submission process begins, and I'll be counting days and not words. 

I'll be far from idle. You'll find me speaking at libraries and bookstores in New England. I'm muddling through ideas for my fifth novel and I'm thrilled to have sold a short story to Mystery Weekly magazine. 

Oh. It's almost Halloween. No more ghosting. Promise.

6/11/2018               74,219
6/12/2018               75,159
6/13/2018               75,848
6/14/2018               77,150
6/15/2018               78,177
6/17/2018               78,379
6/18/2018               79,489
6/19/2018               80,739
6/21/2018               80,801
6/22/2018               82,043
6/23/2018               83,346
6/24/2018               84,706
6/25/2018               86,222
6/26/2018               89,493
6/27/2018               91,296 First draft Done!!!whoo hoo! Yippee!
7/25/2018               91,836
7/27/2018               91,311
7/30/2018               91,642 first revision minus Dak scene!
8/2/2018                 92,974 – insert of redone Dak interview scene
8/3/2018                 92,486
8/4/2018                 91,984
8/5/2018                 91,711
8/6/2018                 91,404 second revision! Yahoo! It’s BETA time!
8/30/2018               91,410
9/3/2018                 91,390
9/4/2018                 91,884 After V-Day rework
9/5/2018                 91,720 after Mother Love to C4
9/25/2018               91,708
9/26/2018               91,558 after day 1 revision
9/27/2018               91,524
10/1/2018               91,461
10/7/2018               91,257
10/11/2018             91,233
10/14/2018             91,232
10/18/2108             91,273
10/20/2018             91,297

10.29/2018             91,281

Thursday, June 30, 2016

Writing Resource Links


A good writer is always a student. We study how people walk and wonder how to describe the hitch in their stride or a particular luminous shade of green in the scene. We read and re-read our favorite authors trying to dissect exactly how did they manage to make me feel/see/hear/smell the action in a spice-filled marketplace or ice-glazed forest.

A host of books and posts support the writer in their quest for perfection.

A recent post by Kate Flora gave some terrific behind the scenes insights on how sharpening description sharpens our story. Four of Kate's go-to resources are:

If an author has over 200 books to his name with millions sold, I admit to pressing my nose against the glass to see if I can catch a glimpse of what goes in to their secret sauce. Jerry Jenkins posted eleven of his writing bibleswhile the Center for Fiction provides this list of essential booksPoets & Writers kept me busy with their list.

I surveyed a number of resources for this post and wasn't surprised that three of my go-to books were frequently cited.


Do you write mysteries? Then read Hallie Ephron's book, Writing and Selling Your Mystery Novel. This book is exactly what you need to help you through the maze of creating great characters, sharp settings, and twisty plots. This book is structured with Do It Yourself exercises to sharpen the lessons in each chapter.

Finding what works for you is important. You know your work's strengths and weaknesses. Not all advice will resonate regardless of how lofty the expert is who expounds it and you can run yourself ragged if you try to do everything each expert suggests. For me, I find taking a step back and rewriting a troublesome passage using Lamott's technique of looking through a one in picture frame helps me break down the action into clear and concise points.

But, hey. Don't take my word for it. Check out editionguard.com for more great books for writers.

Oh, and reading writing advice books is a legitimate way to stall from doing our real work. Writing a blog about it is even better. And reading such a blog means you're clicking around the Internet and not doing one damned productive thing.

Okay. Enough procrastingating. Get back to work!