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NOVEMBER 2015 FREE NEWS FOR BOOMERS AND BEYOND INSIDE: Event Calendar • Loneliness Lottery Scams • Living Will Vs. Durable Power Veterans Advocate Rick Patton assists Fond du Lac County veterans and their dependents in obtaining benefits

Experience - November 2015

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Page 1: Experience - November 2015

NOVEMBER 2015 FREE NEWS FOR BOOMERS AND BEYOND

INSIDE: Event Calendar • Loneliness • Lottery Scams • Living Will Vs. Durable Power

VeteransAdvocateRick Patton assists

Fond du Lac County veterans and their

dependents in obtaining benefi ts

Page 2: Experience - November 2015

2 | EXPERIENCE ACTION PUBLICATIONS | NOVEMBER 2015

Although not a true native of Fond du Lac, Rick Patton feels very comfortable work-

ing in his office at 50 N. Portland St., where he serves as Fond du Lac County Veterans Service Officer.

Friendly, approachable and welcoming would be a good way to describe Patton, age 53, who has held this position since July 5, 2011. He sits in the chair formerly occupied by predecessor John Wertschnig.

At that time, he and his wife, Karen, moved to Fond du Lac to be closer to his family.

Born in Merrill, Wis., Patton moved to Waupun with his family at the age of six months. It was there that he grew up, and graduated from Waupun High School in 1980. It was during his junior year at high school that he joined the National Guard on a part-time basis.

He then attended the University of Wisconsin-Milwaukee for one year, followed by a stint at Cardinal Stritch College. During the interim, Patton was engaged in different lines of work. Then in 1988, he attended college for another year in Edinboro, Penn.

In 1990, Patton joined the U.S. Army and actively served his country until he received an honorable discharge in 2002. Patton had brief stints of selling insur-ance and even driving a school bus for seven and a half years.

H o w e v e r , Patton decided his formal education was not complete and returned to school through the Veterans Rehabilitation program. His next steps were online courses from New York Institute of Technology where he received a bachelor’s of science in 2008, in psychology and other pertinent courses.

Patton then started to work on

Making a difference in the lives of veterans

his master’s degree thru George Washington University and ulti-mately in 2011, he graduated from there with a M.A. degree in Voc. Rehab Counseling.While study-ing for his master’s degree, he was hired to be a County Veteran Service Officer in Taylor County, a position he held for a little over a year.

“Working with veterans tears at my heart strings because of a personal experience … I wanted to help veterans,” Patton said.

When the Fond du Lac position opened up, he applied, was hired and moved to Fond du Lac. The most rewarding part of Patton’s job here is to help veterans receive the benefits they are entitled

to. At the time of a veteran’s death, he also works with the surviving spouse/family members.

Patton says there are somewhere between 8,000 and 9,000 veterans just in Fond du Lac County. His office staff consists of one full time and one part time staff besides himself.

“Between the three of us we assist about 1,500 veterans in one form or another, directly with veterans bene-

“Working with veterans tears at my heart strings because of a personal experience … I wanted to help veterans.”

— Rick Patton

fits and to family members in a year, to assist them with benefits they are entitled to after their veteran dies,” Patton said.

The County Veterans Service Office provides approximately 6,500 to 7,000 small flags to be placed on veterans graves in area cemeteries annually.

Patton says one of his goals is to be able to retire as County Veterans Service Officer with twenty years under his belt. Patton and his wife, Karen, were married in 2001. Willow, a rescue dog, joined the Pattons when he was about one and a half years old, and has shared their home for the last five and a half years.

Both are active members of the Edgewood Community Church and attend Bible studies whenever they can. They both enjoy biking and walking Willow, and hiking the Kettle Moraine Trail/Ice Age Trails.

STORY BY LOIS A. PfLum | PHOTOS BY DOug RAfLIk/ACTION REPORTER mEDIA

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Page 3: Experience - November 2015

EXPERIENCE | 3NOVEMBER 2015 | ACTION PUBLICATIONS

fits and to family members in a year, to assist them with benefits they are entitled to after their veteran dies,” Patton said.

The County Veterans Service Office provides approximately 6,500 to 7,000 small flags to be placed on veterans graves in area cemeteries annually.

Patton says one of his goals is to be able to retire as County Veterans Service Officer with twenty years under his belt. Patton and his wife, Karen, were married in 2001. Willow, a rescue dog, joined the Pattons when he was about one and a half years old, and has shared their home for the last five and a half years.

Both are active members of the Edgewood Community Church and attend Bible studies whenever they can. They both enjoy biking and walking Willow, and hiking the Kettle Moraine Trail/Ice Age Trails.

STORY BY LOIS A. PfLum | PHOTOS BY DOug RAfLIk/ACTION REPORTER mEDIA

EXPERIENCE is published by Gannett Wisconsin Custom Publishing. Contents of the section are for Action Reporter Media. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by means, electronic, mechanical, photocopying, recording or otherwise, without prior consent of Gannett Wisconsin Custom Publishing. For information, contact Heather Bradwin-Haseman at 920-979-3615 or [email protected].

EDITOR / MARK BARNAADvERTIsING sALEs MANAGER / HEATHER BRADWIN-HASEMAN

GRAPHIC ARTIsT / JAMES HOSLET

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Page 4: Experience - November 2015

4 | EXPERIENCE ACTION PUBLICATIONS | NOVEMBER 2015

November CalendarBrat fry — Sunday, Nov. 1, at the Little Farmer LLC, N9438 U.S. 151, Malone. Grilling will be done by the Social Work Club of Fond du Lac. Visit mytlf.com or call 920-921-4784.Chili and soup supper — 4 to 7 p.m. Sunday, Nov. 1, at Salem-Eldorado UMC, W7910 Church Road, Eldorado.flavors of WisConsin Gift fair — 11 a.m. to 2 p.m. Sunday, Nov. 1, at Fond du Lac Public Library, 32 Sheboygan St. Featuring locally-produced food products from across the state. fall play "rash aCts" — Sunday, Nov. 1, UW-Fond du Lac, 400 University Drive. "Rash Acts" is a collection of short plays: unique comedies, nightmares and quirky dramatic portraits. It will be directed by Richard Gustin.foot of the lake poetry readinG series: niCk demske — 7 p.m. Tuesday, Nov. 3, in Café 1906, Thelma Sadoff Center for the Arts, 51 Sheboygan St. Free event includes guest writer, open mic, cash bar.holiday Wonder art and Craft expo — 9 a.m. to 3 p.m. Saturday, Nov. 7, at the Fond du Lac County Fairgrounds Recreation Center, 520 Fond du Lac Ave.sam BroWn & the Brink — 8 p.m. to midnight, Saturday, Nov. 7 at Big Al Capone’s, corner of U.S. 151 and County W in Pipe (Malone).Wade house hearthside dinner — 11 a.m. to 3 p.m. Saturday, Nov. 7, at Wade House Historic Site, W7965 State 23, Greenbush. A 19th-century hearth-cooked meal prepared with your own hands in the stagecoach hotel. Reservations required. paCkers party — 11 a.m. doors, event start at noon Sunday, Nov. 8, at the Knights of Columbus Hall, 795 Fond du Lac Ave. Admission includes beer, soda, chili, hot dogs, snacks, desserts, big screen TV, games, raffles, door prizes.Blood drive — noon to 6 p.m. Monday, Nov. 6, at Trinity United Methodist Church, 300 Church St., Lomira. For an appointment call

laclarefarm.com.ChiCaGo shoppinG trip — 6:30 a.m. to 8:30 p.m. Saturday, Nov. 14. Organized by the Fond du Lac Recreation Department. Explore Chicago’s skyline, Magnificent Mile and the Sears Tower. Visit fdlrecd-ept.com.holiday Wine event — 5 to 7:30 p.m. Saturday, Nov. 14 at Fox Valley Savings Bank, 51 E. First St. Proceeds benefit New Beginnings & 1,000 Books Before Kindergarten. A Riedel glass is included in the ticket price. Taste wine, chocolate, cheese and more.russ drezdenC — 8 p.m. to midnight, Saturday, Nov. 14 at Big Al Capone’s, corner of U.S. 151 and Fond du Lac County W in Pipe (Malone).Wade house hearthside dinner — 11 a.m. to 3 p.m. Saturday, Nov.

800-733-2767 or visit redcrossblood.org.Books BetWeen Bites: “handy andy, the andy pafko story,” By Joe niese — 12:10 to 12:50 p.m. Tuesday, Nov. 10, at Salem United Methodist Church, 120 Sheboygan St. Reviewer Marty Paulsen.meet the produCer dinner — 6:30 p.m. Thursday, Nov. 12, at LaClare Farms, W2994 Fond du Lac County HH, Pipe. LaClare’s Chef Jim creates a multi-course meal using locally sourced ingredients, paired with a local brewery or winery. For information, visit laclarefarm.com.Cheese pairinG — 3 p.m. Saturday, Nov. 14, at LaClare Farms, W2994 Fond du Lac County HH, Pipe. Includes three types of cheese paired with three different types of wine or beer. For information, visit

Compiled by the Fond du Lac Area Convention & Visitors Bureau. For detailed information visit fdl.com or call (920) 923-3010.

14 at the Wade House Historic Site, W7965 State 23, Greenbush. Enjoy a delicious hearth-cooked meal, prepared with your own hands in the historic Wade House stagecoach hotel. Limited seating; reserva-tions required. Private Hearthside Dinners may be arranged.symphoniC Band Cathedral ConCert — 3 p.m. Sunday, Nov. 15, at St. Paul’s Cathedral Church, 51 W. Division St. A concert of sacred and classical music. fall harvest festival and Craft shoW — 10 a.m. to 6 p.m. Wednesday, Nov. 18, at Lutheran Homes and Health Services, 244 N. Macy St. Vendors include homemade crafts, jewelry, make-up/skin care products and more. Profit from food, basket raffle and resident art work sale will go back to the residents.

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Page 5: Experience - November 2015

EXPERIENCE | 5NOVEMBER 2015 | ACTION PUBLICATIONS

14 at the Wade House Historic Site, W7965 State 23, Greenbush. Enjoy a delicious hearth-cooked meal, prepared with your own hands in the historic Wade House stagecoach hotel. Limited seating; reserva-tions required. Private Hearthside Dinners may be arranged.Symphonic Band cathedral concert — 3 p.m. Sunday, Nov. 15, at St. Paul’s Cathedral Church, 51 W. Division St. A concert of sacred and classical music. Fall harveSt FeStival and craFt Show — 10 a.m. to 6 p.m. Wednesday, Nov. 18, at Lutheran Homes and Health Services, 244 N. Macy St. Vendors include homemade crafts, jewelry, make-up/skin care products and more. Profit from food, basket raffle and resident art work sale will go back to the residents.

Searl pickett chamBer muSic SerieS — 7:30 p.m. Thursday, Nov. 19, at the former St. Patrick’s Chruch, 41 E. Follett St. Pianist Eli Kalman, professor of music at UW-Oshkosh and cellist Parry Karp, artist in residence at UW-Madison School of Music to perform.printmakerS — Opening reception to be held from 5 to 8 p.m. Friday, Nov. 20 at Share Fine Art Galleries, 228 S. Military Road. Share Fine Art Galleries is bringing local printmak-ers together for this featured exhibit Open 1 to 8 p.m. Thursday through Saturdays, 1 to 5 p.m. Sundays. tour the town art walk — 5 to 8 p.m. Friday, Nov. 20. All manner of artists available. Visit tourthe-townfdl.com.JeneratorS — 8 p.m. to midnight, Saturday, Nov. 21 at Big Al Capone’s, corner of U.S. 151 and Fond du Lac County W in Pipe (Malone).Sigma holiday houSe — 9 a.m. to 3 p.m. Saturday, Nov. 21, at the Fond du Lac County Fairgrounds Expo Center, 520 Fond du Lac Ave. More than 70 juried artisans offering a

variety of collectibles, gifts, original crafts, clothing and arts. Raffle and silent auction. goBBleFeSt — 6:30 p.m. Wednesday, Nov. 25 at The Shack Sports Bar, W4786 State 23. Performance by Boogie and the Yo-Yo’s. For informa-tion, call 920-238-5587.FeStival FoodS turkey trot — 8 a.m. Thursday, Nov. 26 at Fond du Lac High School, 800 Campus Drive. A five-mile chip-timed run and a two-mile untimed run/walk. Visit festival-foodsturkeytrot.com/fond-du-lac.cheeSe pairing — 3 p.m. Saturday, Nov. 28, at LaClare Farms, W2994 Fond du Lac County HH, Pipe. Includes three types of cheese paired with three different types of wine or beer. Visit laclarefarm.com.eric diamond — 8 p.m. to midnight, Saturday, Nov. 28 at Big Al Capone’s, corner of U.S. 151 and Fond du Lac County W in Pipe (Malone). Small BuSineSS Saturday — all day Nov. 28, in downtown Fond du Lac. Participating businesses will feature special sales, free product samples, food and more.

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NOVEMBER 2Chop Steak in Burg.,Mushroom Sauce,Mashed Potatoes, Mixed Vegetables,

Peach Slices, Frosted Cake*, Sliced Bread

NOVEMBER 3Chicken, Broccoli & Rice Casserole,

Tossed Salad, Chocolate Pudding, PlumHalves*, Dinner Roll

NOVEMBER 4Roast Pork Loin, Mashed Potatoes, RedCabbage, Applesauce, Ice Cream Cup*,

Sliced Bread

NOVEMBER 5Teriyaki Chicken Breast, Baked Potato,Carrots, Birthday Cake, Pear Slices*,

Dinner Roll

NOVEMBER 6Salmon Loaf, Escalloped Potatoes,Broccoli Cuts, Petite Banana, Fudge

Brownie*, Sliced Bread

NOVEMBER 9Glazed Ham, Sweet Potato Bake,

Health Slaw, Pineapple Tidbits, Cookie*,Cantaloupe Slice, Frosted Cake*, Dinner

Roll

NOVEMBER 10Meatballs in Honey, Mustard Sauce, BabyRed Potatoes, Peas and Carrots, Alexander

Torte, Seedless Grapes*, Dinner Roll

NOVEMBER 11Baked Chicken, Twice Bk Style Pot.,Pickled Beet Salad, Fruit Cocktail,Cinnamon Roll*, Sliced Bread

NOVEMBER 12Beef Stroganoff, Casserole, Spinach Saladwith, Rasp. Vinaigrette, Cantaloupe Slice,

Frosted Cake*, Dinner Roll

NOVEMBER 13Mushroom Pork Cutlet,Mashed Potatoes,

Corn, Applesauce Cake, PineappleTidbits*, Sliced Bread

NOVEMBER 16Beef Bologna, Baked Potato, SummerBlend Veg., Fruited Gelatin, Rainbow

Sherbet*, Sliced Bread

NOVEMBER 17Lasagna Casserole, Mixed Italian Salad,Cream Sicle Torte, Honeydew Melon*,

French Bread

NOVEMBER 18Pork Jaegerschnitzel, Mashed Potatoes,Swiss Spinach, Applesauce, Cookie*,

Sliced Bread

NOVEMBER 19Pepper Steak, Baby Red Potatoes, ChineseRamen Sal., Sugar Cookie, Pear Slices ,

Dinner Roll

NOVEMBER 20Chicken Breast, Mashed Potatoes, GreenBeans, Apple Slices, Fudge Brownie*,

Sliced Bread

NOVEMBER 23Meatloaf, Sour Cream and Chive Potatoes,Winter Blend Veg., Ice Cream Cup, Plum

Halves*, Sliced Bread

NOVEMBER 24Beef Stew, Maple Brussel Sprouts, PeachSlices, Frosted Cake*, Cheddar Biscuit

NOVEMBER 25Roast Turkey, Mashed Potatoes,

Escalloped Corn, Pumpkin Pie, CranberryGelatin*, Sliced Bread

NOVEMBER 26Thanksgiving

NOVEMBER 27Closed to observe the Thanksgiving

Holiday

NOVEMBER 30Swedish Meatballs, Mashed Potatoes,

Peas and Carrots, Butterscotch Pud., FruitCocktail*, Sliced Bread

Meal Sites: FOND DU LAC – Riverview Apartments, 101 Western Ave., Mon-Fri 11:45am; Westnor Apartments, 653 W Arndt St. noon; Portland Square Apartments, 55 N.Portland, 11:45am; Senior Center, 151 E. First St. Mon-Thurs 11:45am; NORTH FOND DU LAC – Northgate, 350Winnebago St., noon; RIPON – Russell Manor, 504 RussellDr., 11:45am; Willowbrook Apartments, 615 W. Oshkosh St., noon; WAUPUN – Senior Center, 301 E. Main St., noon.Eligibility & Nutrition: All persons or married to someone 60 years or older are eligible for the Fond du Lac County Elderly Nutrition Program. Each meal contains 1/3 of thecurrent daily Recommended Dietary Allowance (RDA) established by the Food and Nutrition Board of the National Academy of Sciences.Registration: Preregister at least one day in advance by 1pm, by signing up at a meal site or calling Fond du Lac Courthouse, 929-3937; Waupun SeniorCenter, 324-7930. For cancellations call the Department of Senior Service at 929-3937 before 1pm the business day prior to the meal.Donations: There is a suggested donation of $3 for those 60 years of age or older or married to someone 60+. Mobile Meals donation of $3.50.Volunteers: Volunteers are needed for the Senior Dining Program of the Fond du Lac County Dept. of Senior Services. Call 929-3114 for more information. W

I-5001860

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Fond du Lac County Senior Dining Menu

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Page 6: Experience - November 2015

6 | EXPERIENCE ACTION PUBLICATIONS | NOVEMBER 2015

ISABELL M. MUELLER, ATTORNEY

In the State of Wisconsin there are two separate health care advance directives: the Durable Power of Attorney for Health Care and the

Declaration to Physicians (commonly called the Living Will). As advance directives, both are designed to provide direction regarding your health care and treatment in the event that you are no longer able to make your wishes known. Beyond that, however, the two are very different documents.

The Living Will informs your physician what your preferences are regarding “life-sustaining”

Living Will vs. Durable Power of Attorney for Health Caremeasures. These life-sustaining measures may include treatment or machines that will keep your heart and lungs functioning if they are no longer able to do so on their own. The document requires you to indicate whether or not you would like specifi c forms of life-sustaining measures to be used. The Living Will, however, only comes into use in the event that your physician has reached the conclusion that you are unable to make your own decisions and you are either terminally ill and near death, or you are in a persistent vegetative state. Further, the Living Will falls short in preventing the need for a guardianship because it does not allow you to delegate to another individual the authority to make these

medical decisions for you. The Durable Power of Attorney for Health

Care actually allows you to appoint an “agent”, as well as an alternate agent, to make decisions for you in the event that you are no longer able to do so yourself. Once two physicians have stated in writing that you are incapacitated, your health care power of attorney has been activated. From this point forward, your agent has the legal authority to make the necessary decisions about your care. The document requires that you make some specifi c choices about your care, but also contains a section wherein you can add more personal instructions or guidelines for your agent. The topics most commonly addressed in this section are: religious preferences and nursing home placement, as well as life support or end of life decisions.

Because the Durable Power of Attorney for Health Care addresses any situation in which you may become incapacitated, not just the specifi c ones addressed by the Living Will, and also because it appoints an actual agent to make decisions for you, it is the more comprehensive document. Although Living Will may have a place in your estate plan, the Durable Power of Attorney for Health Care is the essential document that every adult should have.

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FUNERAL & ESTATE PLANNING

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2015 Transportation ServicesFond du Lac County Department of Senior Services

Service Type Priorities CostElderly

Walk-on vans Medical, Employment, Nutrition $2.50 each way60+ years of age Personal Business, $2.50 each way

Education/Training, $2.50 each waySocial/Recreation $2.50 each way

EscortFrail; physician certified Medical, Therapy, Dental Within FdL County $2.50 each way

Outside FdL County $6.00 each way

Handi-VanWheelchair use or No prioritiesmobility impaired 6:00 a.m. - 5:30 p.m. (Mon-Fri) Fee $3.00 each wayNo age restrictions

Senior Service Transportation Service Phone Numbers

ELDERLY VAN: 60+ years of age ......................................................... 929-3936HANDI-VAN: Wheelchair or mobility impaired, no age restriction....... 929-3110ESCORT: Frail, no age restriction ......................................................... 929-3936

Senior Dining & Mobile Meals (60+ years of age) 929-3937

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Page 7: Experience - November 2015

EXPERIENCE | 7NOVEMBER 2015 | ACTION PUBLICATIONS

BRANDPOINT MEDIA

While Americans tend to associate the holidays with togetherness, joyful occasions and feelings of warmth and

happiness, the season can also worsen feelings of loneliness and isolation for some people — especially older adults. Loneliness is not only bad for seniors’ mental health, it can affect their physical wellbeing as well.

“The holidays can present families with an opportunity to spot signs of loneliness in their older family members and take steps to do some-thing about it,” says Dr. Kevin O’Neil, chief medi-cal offi cer of Brookdale Senior Living.

Research illustrates the link between loneliness and the advancement of dementia, deteriora-tion of physical health and shortened lifespans. Conversely, multiple studies show feeling connected and happy is good for your health and can lead to a longer lifespan.

“Social connections are vital for people of all ages,” O’Neil says. “Emotional ties are even more important for seniors, yet they are also more vulnerable to losing those bonds through the

death of a spouse, grown children busy with their own lives or the relocation of a long-time friend who moves closer to be near their own family.”

Signs of loneliness or isolation:● Your loved one has suffered a loss, either

the death of a spouse or friend, or relocation of a long-time cohort.● Verbal cues such as complaining they have no

friends, feel confi ned to the home, no one to talk to or severely miss a long-deceased companion.● Exhibit signs of depression, including trouble

falling asleep, irritability, loss of appetite and disinterest in activities that used to excite them.● Their eating habits have changed. Seniors

who are feeling isolated and depressed may lose their appetite, or engage in comfort eating.● Personality or behavioral changes are evident.

Your normally stoic loved one has become tearful, a chatty person becomes quiet, or an out-going personality is now withdrawn.● They become “clingy,” holding a handshake or

hug longer than normal, and becoming upset when it’s time for a visit to end.● They complain of pain or health issues that the

doctor can’t explain. In some cases, the “illness”

LonelinessThe most treatable serious senior health issue:

may be an attempt to get attention. In other cases, it can be a physical response to loneliness.● A person who was once capable may begin to

have diffi culty managing daily tasks or fi nances.

Tactics to combat loneliness:● Physical exercise increases the body’s level

of “feel good” hormones, and can contribute to improved sleep, as well as fewer aches and pains. Seniors should get 30 minutes of moderately intense exercise per day.● Watch a funny movie or TV show together.

Laughter’s positive effects on the mind and body are well documented.● Make new connections. Sit with someone at

lunch whom you don’t know well. Ask a neighbor to go for a walk. Join a club or social organization.● Volunteering has many positive effects on

mental health. You’ll feel good about helping others and also expand your opportunities to meet new people.● Learn something new. It’s not only good for

cognitive health, it gives you the chance to make new connections with other students. Take a craft class, go to a personal fi nance seminar or take a cooking class.

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Warmest Regards,Donald “Don” Kurki

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Page 8: Experience - November 2015

8 | EXPERIENCE ACTION PUBLICATIONS | NOVEMBER 2015

Seven tips to avoid lottery scams BRaNdPoINt MEdIa

An email or letter has arrived informing you that you’ve just won the lottery. The com-munication states all you have to do is pay

the processing fees or taxes and provide proof of your identity — then the money will be yours. It seems too good to be true. That’s because it is.

What you are looking at is a lottery scam, intent not on giving you the money it promises, but instead on taking as much of your money as pos-sible. Thousands of people each year fall victim to scams such as these. The good news is there are some things you can do to help protect yourself from falling victim to a scam.

Never provide personal informationIf the correspondence starts asking for personal

information, this should be your first clue that it might be a scam. And never provide banking in-formation to people or businesses you don’t know.

Look for that personal touchIf the letter, email or text claims you’re a

winner, then they should know who you are. Look for the personal touch in the correspondence. How does the communication start? Is your name

included? Is it spelled correctly? Or does the mes-sage begin with a more general ‘Hello’ or ‘Dear Valued Customer.’ If the header is general like this, it is because it has been sent other people, too, promising each that they have won as well.

Look for unprofessionalismMany scammers give themselves away if the

message contains poorly-written sentences and typos — the red flags of a scam.

Never send money to a strangerYou can be at risk of becoming a victim of fraud

if you do not know the person.

Remember the rules of the lottery Many scams can be spotted immediately be-

cause they do not clearly disclose the terms and conditions, including the rules and how to claim your winnings. You will never have to pay money in advance if you’ve won a legitimate lottery. If you received a check with the lottery letter and deposited it into your bank account, never send funds from the deposited check until it officially clears, this can take weeks. Under federal law,

financial institutions have to make the funds avail-able to account holders within days. Just because the money is available in your account, doesn’t mean the check is good. Remember that in order to win a lottery, you must enter in the first place.

Avoid foreign lotteriesMany lottery scams offer high-dollar winnings

to the recipient from a foreign lottery. This is most likely a scam. Furthermore, playing legiti-mate foreign lotteries via the mail or over the telephone is illegal under federal law.

Call for helpIf you fear you have been scammed — take

action immediately. If you believe you have been a victim of fraud using Western Union, call Western Union’s fraud hotline at 800-448-1492. Additionally, contact authorities and other ap-plicable financial institutions and notify them you think you’ve been the victim of a scam. If you sent a money transfer through Western Union and it has not been paid, you can generally receive a refund. Once the scammer picks up the funds — the money is gone.

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