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"And even then, half of the US population, at this point, is skeptical of even taking the vaccine," Osterholm said. "So, what we have right now is a major problem in messaging.".Someone tries to tell you there's a fee for the new Medicare card. There is no fee for the card. Never give out your credit card or bank account number to anyone..The coronavirus has caused a dramatic decline in home mortgage rates, but that doesn't necessarily mean it's a good time for everyone to refinance. The good news is that, in many areas of the country, lenders and states are making the process safer for your physical health. That said, refinancing in retirement is still a process that carries risk to your fiscal health..According to a report from the Senate Special Committee on Aging released this year, older Americans lose approximately billion each year to financial scams and abuse. It's appalling. It's offensive. It's unacceptable. And I'm working to do something about it..Here are three good books to help you get up to speed:.In last week's update we told you about the pending retirement of Senator Lamar Alexander, who has been a champion of legislation to end surprise medical billing. We feared the effort to end the practice would now be more difficult in Alexander's absence..Federal revenues are now expected to be .5 trillion less over the next decade. But, Uncle Sam still owes about .9 trillion in "interest" and the money needed to redeem the I.O.U.s held by the Social Security Trust Fund. Paying the interest and redeeming the bonds will necessitate greater borrowing, new revenues - or, benefits would have to be cut..Your answers to these surveys will help TSCL educate Members of Congress, the media and the public about the views, experiences, and challenges facing seniors as they relate to Medicare and Social Security..Medicare fraud, waste, and abuse costs about billion a year. What type of measures do you support to put a stop to this loss of Medicare finances?