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President

Ron Dworitz 488-4363

1st Vice-President Gaye Wood

2nd Vice-President Carolyn Fisher Co-Secretarys Martha Gohring

Marjorie Knieriem Treasurer

Judith Croce Communications Kathleen Houser

Insurance Don Houser

Membership Susan Hammond

952-8668

Roger Pelz 745-3733

rdpelz932@gmail.com

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Division 75

Website http://div75.calrta.org

Calendar Luncheon

Monday, April. 18, 2017

Board Meeting

Thursday, May. 4, 2017

MARCH - APRIL 2017

President’s Corner

CALIFORNIA RETIRED TEACHERS ASSOCIATION OBJECTIVES To promote, protect and advocate for the interests of retired public California educators.

To safeguard the State Teachers Retirement System. To study and promote or oppose state and national legislation affecting the interest of retired educators.

To promote and safeguard public education systems.

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Monday, May, 8

At our February luncheon we were honored to have Nicole Naditz who was the National Language Teacher of the year in 2015. It was such a pleasure to hear her emphasize that students need to become proficient in various world languages and different cultures. I am quite sure that all of you who attended the luncheon will agree that it was a sheer pleasure to listen to such an enthusiastic and knowledgeable teacher. As you all know, CalRTA and our division in particular, is making every effort to attract new members. On March 30th division 75 and other divisions will be holding a gala event at the Mark Powell Event Center (2003 Howe Ave., Sacramento) from 1:30 until 4:00. Over 900 post cards have been sent out to people who have retired within the last few years. We would love to have as many current members as possible come to this event. Another matter that must be addressed is finding a volunteer to be responsible for developing our programs in the following year. Gaye Wood has prepared excellent information for the person who undertakes this position. If anyone is interested please call me at 916-488-4363 or email me at dworitz@ yahoo.com. I would like to add that our board is constantly working to ensure that our funds are used as efficiently as possible. One way is to use email to receive the Express. The money saved would be used for other worthwhile expenses. Finally, it is incumbent upon your beneficiary to notify CalSTRS that you have passed away. Once this occurs, the beneficiary will receive a one time financial benefit. I am looking forward to seeing all of you at our next luncheon on April 18, 2017. Sincerely, Ron Dworitz

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THANK REPRESENTATIVE RODNEY DAVIS (R-IL) For introducing the Social Security Fairness Act of 2017 (H. R. 1205) which fully repeals the Government Pension Offset (GPO) and Windfall Elimination Provision (WEP)!

His address to thank him is:

Congressman Rodney Davis 1740 Longworth House Office Building

Washington, D. C. 20515

Are YOU affected by the Windfall Elimination Provision

or

The Government Pension Offset???

I will be in Washington, D. C. on April 26th, lobbying congress on your behalf. I would like to present personal stories from our members on how the WEP/GPO has impacted YOU!

Please send me YOUR personal story.

You may email me at sandy-edwards@comcast.net or

Write me at Sandy Edwards, 4225 Stollwood Drive, Carmichael, CA 95608

IT IS VITALLY IMPORTANT

THAT I RECEIVE YOUR PERSONAL STORY!

Thank you so much!

Sandy Edwards Legislative Chairman, Division 75, CalRTA

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Lessons from the Classroom of Life Donald F. Houser, CLU, ChFC, FLMI, Insurance Chair

‘Tis the Season to Be Jolly!

“Hackers” love this time of year because there’s a good chance they’ll be able to get their hands on that tax refund you were expecting.

In fact, tax refund fraud is the fastest growing form of identity theft.

All a thief needs is your name, date of birth and Social Security number to steal your identity. To steal your tax refund, crooks will also have to have your tax filing status, your adjusted gross income and the amount of your refund. If you or your preparer are not careful when you file, they can grab this info too.

It seems like almost every day there is news of another big company or state or federal agency which has had all the personal information of their clients and/or their employees stolen from their databases.

Do you remember the recent news about Yahoo, the big internet search engine and huge email provider which has had all of the addresses, passwords and other information of over two billion users stolen!

Fraud is a huge problem for taxpayers. Thieves possibly already have what they need to file a claim for your income tax refund.

Income Tax Fraud is a huge problem for the IRS. Last year, over 250,000 tax payers reported to the IRS that they were the victims of Identity theft. Moreover the Internal Revenue Service confirmed that over three quarters of a million returns in 2016 were the victims of identity theft, with more than $4 billion stolen.

Identity Theft is a huge problem for all Americans. Norton Symantec, the Anti-Virus and Security Suite provider, reported that for the year 2016, a total of 106.6 million consumers (38.5% of all Americans) were affected by cybercrime at a total financial cost of $20.3 billion.

What can you do to protect yourself?

Change your Passwords. If you haven’t changed the password for your email and other online accounts, or if you didn’t make

them very complex, please be warned that thieves today are using sophisticated programs accessing hundreds of common password combinations to quickly probe and acquire the personal information of those who haven’t taken necessary precautions.

File your returns as early in the tax filing season as you can. The longer you wait to file, the more likely you are to make a mistake and the more likely it becomes that the IRS will be too busy to notice that a claim for your tax refund is fraudulent.

The IRS does not telephone taxpayers. If you get such a call, it’s a scam. If you owe the IRS money, you’ll receive a bill in the mail. Before you pay it, verify that it is legit, by calling the IRS at (800) 829-1040.

The IRS does not text, tweet or e-mail you. They only use snail mail. If you feel that your identity has been compromised in a recent breech, phone the IRS Identity Protection Specialized Unit at (800) 908-4490. You can also request an identity protection PIN, a six digit number given to eligible taxpayers to help prevent the misuse of your Social Security number on fraudulent income tax returns.

When filing your taxes electronically, use a secure network. Over 80% (128 million) of all income tax returns are e-filed. Do not use a publicly available Wi-Fi hotspot. If you file electronically using a secure network, you’ll get an immediate confirmation that your return was received, and you’ll probably get your refund quicker. Tax filing software also protects against mistakes. According to the IRS, approximately 20% of paper returns have an error compared with only 1% of electronic returns.

It’s a jungle out there. Don’t become a victim of identity theft this tax season – or anytime!

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OUR SCIENCE GUY

Born amid the skyscrapers and the entertainment industry of Los Angeles, Leonard Thomas went to school in Hollywood, Calif. Asked if he knew any celebrities as a child, he responded, “I attended school with one of the Nelson boys”…… (You know their T.V. parents as Ozzie and Harriet Nelson). While attending High School and observing some great teachers, Leonard thought, “I could do that!” After attending one semester at Valley College, he transferred to UCLA. He also participated as a member of the UCLA CREW ROWING TEAM. One evening Leonard attended a dance at the London Club in L.A. and met his lovely wife, Beverly. On their first date they went to a museum and on the second date they went on a hike. Love blossomed and they were married in L.A. in 1958. Leonard graduated that same year with a BA in Psychology. He also was drafted by the Army and stationed at the Sacramento Signal Depot. In 1960 he was discharged from the Army and entered the Teacher Credential Program at Sac State. Upon completion he took a position teaching science at Rio Linda Jr. and Sr. High School. In 1966 Leonard received a National Science Foundation Grant to Michigan State University to earn his Master’s Degree in science. He

completed that program in one year and took a job teaching Biology and Physiology in San Diego. Leonard also worked in the private business sector as a School Energy Consultant returning to teaching after four years. The year 2001 was a special year for the Thomas family. Beverly graduated from San Diego State with a degree in history

after 35 years as a Registered Nurse; two of their four children received their Master’s Degrees; and their first grandchild was born in September. After retirement, as a member of CalRTA, Leonard was Division 75’s Legislative Chair. He traveled twice to Washington D.C. to advocate for Social Security Fairness for teachers. Even though he no longer holds that office, Leonard continues to keep our membership informed (by E-Mail) about critical legislation and issues affecting retired teachers. He and Beverly love to travel (especially in Europe) attend musical concerts, the theater and the opera. Leonard loves the camaraderie with other teachers in CalRTA. This is involved, generous and supportive Leonard Thomas, your Spotlight Member for the month of April. Written by: Kathy Houser, Communications Chair

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SPOTLIGHT ON A MEMBER

Leonard Thomas

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More Lessons from the Classroom of Life Donald F. Houser 2

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What Did You Say? 4

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An estimated 48 million Americans have some degree of hearing impairment. Experts say it is most often age related, beginning in one’s 50’s. However, loud music, noisy machinery, gun fire, and even medications can cause hearing impairment in the young as well as those who are older. Troublesome medications that can affect hearing include certain antibiotics, diuretics, salicylates, nonsteroidal anti-inflammatory drugs (NASIDs), narcotics and chemotherapy drugs. Check with your doctor to see if any medications that you take might have an adverse effect on your hearing. In addition, smoking, obesity, high blood pressure, and diabetes have also been linked to a higher risk of hearing loss. Apparently, any and all of the above conditions can cause the hair cells in your inner ear that pick up sound waves to become damaged or die, and since the cells do not regenerate, this type of hearing loss cannot be reversed. Common signs of hearing loss include having trouble hearing conversations in restaurants, in group situations, during lectures, while watching television or movies, when talking on the phone, or when talking with children. If you have hearing loss, it can be an annoyance for your family and friends, but the most serious consequence is the social isolation that it causes. Those with hearing loss tend to withdraw from social events, or avoid situations where crowds are present, or even shy away from conversations altogether. Besides the problems caused by this disengagement, those with hearing loss are more likely to fall or to have experienced a fall.

Those with a hearing impairment can also experience anxiety or depression and some medical professions think that there might be a correlation between hearing loss and dementia and Alzheimer’s. Being able to hear well is a key component to healthy cognitive functioning. Given all of the problems associated with not being able to hear, one would think that being fitted for hearing aids would be the obvious answer. But in a recent study of older adults who have been diagnosed with hearing loss, only 59% actually had gotten some kind of hearing aids or other kinds of personal sound amplification (PSA) products. The relatively high costs (averaging about $4,700 a pair) and vanity seem to be the primary reasons for not trying to hear well. Audiologists state that most patients tend to wait about 7 years after diagnosis before purchasing hearing aids. I need to make a confession here. I waited twice that long before finally getting my first pair of hearing aids this past February. And the question I keep asking myself is, “why did I wait so long?” Modern hearing aids are smaller and are marvels of digitalization, better at amplifying sounds specifically in the frequencies where the wearer most needs them. I can even adjust the amplification levels through my “smart phone”, take phone calls through my hearing aids, and even stream music. And they are now so small and discreet that unless I tell people that I am wearing them, they never notice. So take it from this self-confessed hearing aid procrastinator, do your loved ones and yourself a favor, and get your hearing tested, and if there is an impairment, get fitted for hearing aids. It will be money well spent.

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CalRTA Division 75 Volunteers Are Awesome! 5

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THANK YOU VOLUNTEERS FOR YOUR GENEROUS DONATIONS OF TIME, EFFORT AND LOVE. THANK YOU 7 FOR TURNING IN YOUR VOLUNTEER FORMS. COME TO THE DIVISION 75 GENERAL MEETING IN APRIL AND 8 FIND OUT IF WE BROKE ANY OF OUR RECORDS FROM LAST YEAR. IF WE HAVE INADVERTENTLY LEFT ANY 9 ONE OFF OF OUR LIST, WE APOLOGIZE. PLEASE LET ME KNOW AND WE WILL CORRECT THE ERROR 10 IMMEDIATELY. 11

WE APPRECIATE YOU ALL!............Kathy Houser, Communications Chair 12 13

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200 TO 299 HOURS Gerry Banicevich Ronda Biondi Linda Farris Dorothy Jo Fuqua Dick Houk Gwen Houk Nancy Orr Gloria D. Phinney Debbie Watson

300 TO 399 HOURS Georgene Cooper Beth Daniels Mary Deos Kathie Hanna Ralphene Lee Estelle Maynard Jim Maynard Kathy Osegueda

400 TO 499 HOURS Joanne Arellanes Sandra Edwards Katherine Galli Leora Matranga Alice Salvatore

500 TO 599 HOURS Cathie Agostinelli Delores Bousliman Pat Burden Linda Chaix Judy Croce LaDawn Erickson Diane Hansen Patricia Speere Grace Thomas

600 TO 699 HOURS Jeanie Campbell Sharon Carl Pat Boyd Susan S. Hammond

700 TO 799 HOURS Allan Graber Barbara Smilanich

800 TO 899 HOURS Eras Cochran Billie Hamilton Linda Hansen Gayle Hooper

900 TO 999 HOURS Mary Groesbeck Kathy Michaels Kathy Wymore

1,000 TO 1,199 HOURS Francie Axtell Bob Bastian Carolyn Dicks Mary Pat Friar William Hooper Donald Houser Kathy Houser Chris Jones Roberta Kassis Marcia LeDoux Eva Teilmann Kathy Cooper Patty Zollner

2,000 TO 2,199 HOURS Ron Dworitz Joanne Lawlor

ABOVE 7,000 HOURS Luanne Clayton

ABOVE 8,000 HOURS Norma Kato

UP TO 99 HOURS

Patricia Storms Cattell Bob Churchill Gust A. Dames Jr. Judy Dickman Dora Dodson Jeane Dunham Jeanette L. Erwin Dolores Faul Sharla Freeman Evelyn Fedler Jola Jones Donna Kincannon Kathryn McCann Janet McWilliams Doretha Moriguchi Caryl Myers Noreen Rademacher Arninne Rautio Mary Reilley Marian T. Schultz Judy Syftestad Leonard Thomas

100 TO 199 HOURS Mary Ann Baer Alice Davidson Sue Galvez Alfonso Gomez Shirley Hall Pat Sayer Handley Doris Lighty Marie Lofgren Cathy Maffei Mary Pavan Irene Potter Sabina Raab Toni Raney Marian Schultz Rosemary Taplin Alison Taylor Beverly Thomas Gaye Wood

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Division 75’s Scholarship Foundation 17

It’s Fantasy Tea Time! 18

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Help a Student Succeed! Please Send in your Donation Today! 22

You Make It Happen, Division 75!!! 23 24

The Retired Teachers Scholarship Foundation 25

Established by CalRTA Division 75 26 Please remember that memorials, birthdays, honorariums, and outstanding service can be honored with donations to the 27 Scholarship Foundation. All donations are acknowledged in writing. Recipient or Next of kin will be notified of your gift 28 but the amount will not be disclosed. If you feel you would like to do something special today, write us a check! 29

Make checks payable to: 30

The Retired Teachers Scholarship Foundation Inc. 31 Mail to: RTSF, Inc., PO Box 1451, Fair Oaks, CA 95628 32

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Donor’s Name _________________________________________ Date ______________ 34

Address _________________________________________________________________ 35

Enclosed is my contribution to the above scholarship fund in the amount of $ ____________________ 36

In Honor / Memory of: Name _________________________________________________ 37

__ As a Memorial __ Special Recognition __ As a Bequest __ Birthday __ Other 38 Please send an acknowledgement of this contribution to: ___ Person being honored! ___ Next of Kin 39

Honoree / Next of Kin Name: ____________________________________________________ 40

Address: __________________________________________________________________ 41 42

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Did You Know??? 46

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It costs Division 75 approximately $1.00 per person or $5.00 a year (5 issues a year) 48

to send this Express Newsletter to a member by postal mail. 49

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Do you have a computer and use it to send emails? If you do (which means you have an email 51

address) would you be willing to have the Express Newsletter sent to you by email? 52

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We could add hundreds of dollars to the Division 75 budget, which supports Scholarships and 54

Teacher Grants among a number of other worthy projects, just by emailing you this Newsletter. 55

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If you would be willing to have the Express Newsletter emailed to you - - - just send the Editor an 57

Email at rdpelz932@gmail.com. That will give him your email address and he can start sending your 58

Express Newsletter to you by email with the next issue. Thanks for your help – in advance!!! 59

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WELCOME! NEW MEMBERS

KATHLYNE ADAMS

6112 SUMMERSET LN CITRUS HEIGHTS, CA

95621-3573 (707) 357-6047

DENNIS DEMMER 3215 BOOTH CT

EL DORADO HILLS, CA 95762-4301

(916) 933-9429 MARILYN GOODFELLOW

3959 HILLGROVE WAY CARMICHAEL CA 95608-

2803 (916) 944-3778

NONNIE MUELENHAUPT 6855 ANT HILL RD

SOMERSET CA 95684-9260 (530) 306-5666

JULIE F OVERHOLT 20868 5TH AVE W

SUMMERLAND KEY FL 33042

(916) 803-1096 JANI METCALF PARKS 4947 BROOKGLEN WY

CARMICHAEL, CA 95608-0984

(916) 961-1503 BONNIE WILLIAMSON

105 CATLIN CT FOLSOM CA 95630-4934

(916) 351-1912

CalRTA MEMBERSHIP DRIVE

Any member who recruits another person

to join CalRTA will receive a FREE

luncheon!

MEMBERSHIP DITTY Sung to the tune of “Sailing, Sailing”

Members, members who can you invite? We're giving away a free lunch to everyone who signs . . . A new member, new member Bring them all this year! We're eager to meet new members And give you a luncheon free!

Gale Hooper needs to hear from you

if you know someone who needs:

A Card

A Cheery Note

Caring Remembrance

CALL - 916.988.6880

IN MEMORIAM MARGARET CALLAHAN

KATHRYN CARTER MILDRED COLLISON DORIS CROSSFIELD

DONALD DAY MAGGIE DEFEVERE

ANN HAKOLA EVA JOHNSON

ELINOR KELLEER GAYLE KERNICK

ALLEN SPAHR KYOKO TURNBOUGH

PATRICIA UNDERWOOD

ROSTER CHANGES

MATHILDA LYNN BELL

160 12TH ST SEAL BEACH, CA 90740-6429

(916) 965-3512 RUTH CONNALLY

258 MCBEAN PKWY APT 208 VALENCIA, CA 90740-6429

(916) 771-3705 ELIANE EISNER

919 COMMONS DR SACRAMENTO, CA 95825-6651

(916) 564-4864 BARBARA GRANUM

P.O. BOX 1128 CARMICHAEL, CA 95609-1128

NO PHONE KATHRYN HANNA

141 N. GRANT LN FOLSOM, CA 95630-2135

(916) 743-8910 BILLIE JUNE HASH

(916) 944-1618 MARYLU KOST

2440 GARFIELD AVE. APT B78 CARMICHAEL, CA 95608-7610

NO PHONE BETTY JOY MAGAS

40164 STOWE RD TEMECULA, CA 92591-7610

(760) 918-9516 BENJAMIN MATZ

NO ADDRESS WILMA MAE MILLER

7030 SPICER DR FAIR OAKS CA 95628

NO PHONE CHRIS PAGE

NO ADDRESS BERYL M SPAHR

8685 GREENBACK LN APT 208 ORANGEVALE CA 95662

(916) 990-0531 GEORGIA STARNS

7693 WHEATLAND RD N #134 KEIZER OR 97303-3456

NO PHONE ELIZABETH J WADE

2161 GAZEBO ST IDAHO FALLS ID 83402-2428

NO PHONE

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DIVISION 75 SWEETHEARTS----“THE BEST OF THE BEST”

Division 75 introduced seven Honorary Sweethearts at the February General Meeting.

We honored Medora Allen, Pauline Anderson, Dick Baron, Jeaniece Chapman,

LaVohn LeValley, Marie Lofgren and Ruth Moorhouse We bought lunch for the Sweethearts, presented them with a gift and a Certificate of Appreciation for their service. They were also featured in another chapter of our “SWEETHEARTS OF THE ROUND TABLE” storybook. The Sweethearts spoke of their classroom experiences with much love. Most continue to be active in the community with volunteer work.

CONGRATULATIONS SWEETHEARTS!

Kathy Houser, Communications Chair

Luncheon Program

Great Women of Jazz

A Tribute Featuring the Jazz Generation Band

The Jazz Generation band will perform songs representative of some of the greatest women jazz vocalists like Billie Holiday, Nia Simone, Shirley Horn, Blossom Dearie and Annie Ross. The Jazz Generation band was established as a multi-ethnic, multi-generational band in 2003. Twelve CDs and two musical stage shows are the result. In addition, the band specializes in performing music of specific decades drawn from their extensive repertoire in diverse musical genres, including R&B, pop, Latin, folk and country, as well as a variety of jazz styles. A classy, professional, versatile, entertaining, East Coast style group, the Jazz Generation have performed together for more than a dozen years, giving them a tight, close-knit sound.

Come join us at the April Luncheon for a morning of wonderful music and good food.

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APRIL LUNCHEON

Tuesday, April 18, 2017

North Ridge Country Club Ballroom 7600 Madison Ave., Fair Oaks, CA 95628

9:30 am Social Time 10:00 am Meeting

11:00 am Program 12:00 noon Lunch

Jitney transport from parking lot

Entrees

– Grilled Salmon, Whipped Potatoes, Seasonal Vegetables

– Portabella Mushroom Ravioli, Whole Grilled Vegetables

Dessert is Vanilla Ice Cream with Blueberry Sauce

Entrees include: Coffee, Tea & Rolls

Mail to: CalRTA Division 75 - 5917 Via Casitas - Carmichael, CA 95608-6539

RSVP by Tuesday, April 11, 2017

*** Reservations postmarked after April 11th will be $30.00 ***

(no phone orders)

Entree Number (See Above)

Name ____________________________________________________________________

Name __________________________________________________________

Are you a NEW MEMBER or FIRST TIME ATTENDEE to this meeting? Please check here:

Make Checks to: CalRTA Division 75

$25.00 per entree

After the 11th : $30.00 per entrée

Amount Enclosed: $_______

Note: Luncheon dates are intended to be on a regular day of the week each year. However, North

Ridge reserves the right to schedule events as needed so some future dates may have to change.

JAZZ GENERATION BAND

“WOMEN OF JAZZ”

Mail reservations to: CalRTA Division 75 5917 Via Casitas Carmichael, CA 95608-6539

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HOW TO PRINT THE LUNCHEON RESERVATION FORM

Starting with this issue the members receiving the Newsletter by email will not, also get it by postal mail (as has been the situation for some time). If the emailed member wants to go to the Luncheon then the Reservation Form will have to be printed. In the event some members do not know how to print a specific page of the Newsletter here are the steps you take to make that happen:

1. Left Click somewhere on the Luncheon Reservation Form page.

2. Left Click on the word “File” in the upper left corner of the page. The words “Edit”, “View”, “Window”

and “Help” are on the same line to the Right of the word “File” as you view the page.

3. A box will appear with Printing selections. Select the printer you want to use from “Printers” box ( top

left of the Printer Selections area).

4. Below that is the “Pages to Print” area.

6 Left Click on “Current Page” (or you can Left Click on “Pages and then delete anything in the white box

and type in the page number of the Luncheon Reservation Form page). Either choice will work.

7 Left click on the word “Print” in the lower right corner of the page.

1. Jeane Dunham and Deloris Bousliman smiling for the camera while arranging table decorations for the luncheon. 2. Hedda Smithson, Gloria Yost and Joan Hammond are enjoying the camaraderie at this

President's Day luncheon. 3. Division 75 Sweetheart for 2016-2017, LaVohn LeValley with her daughters,

Sandy Yates, Nancy O'Hara and Patty Stillman. 4. Mary Reilly and Pat Burden helping to promote the

Scholarship Foundation's raffle to help American River College students. 5. Carolyn Dicks and Marcia Le

Doux enjoying a good time at the luncheon . 6. Jan Parks with Division 75's Sweetheart for 2016-2017, Dick

Baron.

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Travel Corner 2017 News By Marti Gohring

916-709-1346

Our trip to Costa Rica was a huge success. We had an excellent tour and saw beautiful wildlife. Costa Rica has no army and practice Pura Vida which is pure life. Next, Marti Gohring is escorting a Baltic Cruise. Limited space is available. See some information below. Baltic Cruise: July 30-Aug. 11, 2017 sails roundtrip from Amsterdam. We will visit, Germany, Estonia, St. Petersburg, Russia, Sweden, Finland and Denmark during the 12 day cruise. Economy air has been pricing between $932 and $1050 roundtrip. Cruise prices are from $1749 per person based on availability and stateroom category. Call Marti at 916-709-1346. ColletteTour of Scotland and Ireland: This is a land tour from Aug. 13-25, 2017. It includes the Military Tattoo at Edinburgh Castle. The Tattoo is a bucket list experience! Price $3599 per person. Collette 13 day Tour of Spain and the Portuguese Riviera departing Sept. 21, 2017. (See attached Flyer). Land only $2999 per person double occupancy, single occupancy is $3699 land only. Early booking price including air is $4499 per person double occupancy or $5149 single occupancy. Call Marti Gohring at 916-709-1346 for travel information and to book.

California Retired Teachers Association Sacramento Northeast Division 75 5316 Terrace Oak Circle Fair Oaks, CA 95628

Non-Profit Org US Postage Paid

Permit #1745 Sacramento, CA