With the proliferation of smartphones, tablets, notebooks and computers along with online education for young students during COVID-19, many youths are now at risk. Children use computers and smartphones at home for school, online shopping and social media. Because many young individuals do not understand cybersecurity risks, they may share personal information that will unknowingly be used by scammers and fraudsters.

The Security Summit highlights five tips for online security. Parents should share these concepts with youth and teens and urge them to protect personal data.

1. Recognize and Avoid Scams — Each year, there are billions of phishing emails, phone calls and texts from thieves. Many of the identity thieves claim to be from the IRS, police, DMV or other organizations. Individuals should not click on links or download attachments in emails if they do not know the identity of the sender. The downloaded attachment will install malware on your computer and may give the thief access to your personal data.
2. Security is Important — Parents should caution children and teens to be careful not to reveal their personal information. They should not disclose birth dates, home addresses, age or financial information. Young individuals should be cautioned to protect Social Security numbers and bank or savings account information.
3. Public Wi-Fi Networks — Many coffee shops, restaurants or malls offer a free Wi-Fi connection. However, there is no certainty that this connection is secure. Many cybercriminals monitor the information on these public Wi-Fi networks. Youth and teens should be cautioned not to send emails and personal information over public Wi-Fi networks. They also may consider using a virtual public network (VPN) in order to connect with public Wi-Fi.
4. Security Software with Firewall and Anti-Virus Protection — All computers should have security software with automatic updates. Most antivirus software will be updated on a daily basis. If a file is sensitive, it can be encrypted or protected through passwords. The best solution is to avoid placing sensitive data in the public arena. Social media sites and email are potentially accessible to large numbers of bad actors.
5. Passwords — Youth and teens should be encouraged to use strong passwords. A strong password includes a variation of upper and lowercase letters, numbers and special characters. The password should not include information that is easily connected with the young individual, such as his or her name, address, or city.

Editor's Note: Students routinely use online platforms as part of their education. As a result, there is widespread use of electronic devices by individuals in grade school, middle school and high school. Parents should educate students about the importance of cybersecurity.

Studies have shown that patients who are able to provide important health information and are prepared for a doctor’s appointment tend to receive better care than patients who do not. Here are a few steps to take to make the most of your next doctor’s visit.

Before Appointments

Gathering and organizing your health information before your appointment is key to ensuring a productive meeting with your doctor. This is especially important if you are seeing multiple doctors or meeting with a new physician. Here is what you should do before your next appointment:

1. Get your test results: If you are seeing a new doctor, make sure he or she has copies of your latest X-ray, MRI or any other tests or recent lab results, including reports from other doctors. In most cases, you will need to handle the groundwork on your own. This may require that you make a phone call to your previous doctor, or you may need to pick up your lab results in person.
2. List your medications: Make a list of all the medications and dosages you are currently taking, including prescription medications, over-the-counter drugs and herbal supplements. Alternatively, collect all your pill bottles and take them with you to your appointment.
3. Know your health history: Sharing any previous medical problems and procedures can help make an office visit much more efficient. If your health history is complicated, it would be best to write it down. Genetics matter too, so knowing your family’s health history may also be helpful.
4. Prepare a list of questions: Make a written list of the top three or four issues you want to discuss with your doctor. This can help you stay on track during your appointment and ensure you address your most pressing concerns first. If you are in for a diagnostic visit, you should prepare a detailed description of your symptoms.

During Appointments

When you meet with your doctor, it is important to be direct and concise to explain why you are there. Be honest and specific when recounting your symptoms or expressing your concerns. Many patients may be reluctant to talk about their symptoms, which makes the doctor’s job much more difficult. You may want to bring along a family member or friend to your appointment if your doctor’s office permits it. They can help you ask questions, listen to what the doctor is telling you and provide you support.

Consider taking notes or asking the doctor if you can record the session for later review. If you do not understand what the doctor is telling you, ask him or her to explain it in simple terms so you can understand. If you run out of time and do not get your questions answered, ask if you can follow up by phone or email, make another appointment or seek help from a nurse.

For more information, the National Institute on Aging offers a booklet called “Talking with Your Doctor: A Guide for Older Adults” that can help you prepare for an appointment and become a more informed patient. To get a free copy mailed to you, call 800-222-2225 or visit order.nia.nih.gov and search for the guide.

Savvy Living is written by Jim Miller, a regular contributor to the NBC Today Show and author of "The Savvy Living” book. Any links in this article are offered as a service and there is no endorsement of any product. These articles are offered as a helpful and informative service to our friends and may not always reflect this organization’s official position on some topics. Jim invites you to send your senior questions to: Savvy Living, P.O. Box 5443, Norman, OK 73070.

Pill boxes, or pill organizers, can play an important role in maintaining good health as they help you stay on top of your medication regimen. While there are many options, here are a few tips to help you choose.

Identify Your Needs

When choosing an appropriate pill box, ask yourself a few questions, such as:

• What is the number and size of pills you take? If you take only a few medications, a smaller pill box may be sufficient. If you are taking multiple medications and large vitamin supplements, you will want to get a large compartment pill box. Pill boxes often come with different color patterns, allowing users to assign specific colors to particular medications or times of day.
• Do you take your pills once a day or multiple times a day? If you take medications only once a day, a simple pill box with one compartment is practical. If you require medications multiple times a day, a pill box with multiple compartments for each day of the week will work best.
• Do you have trouble remembering to take your medications? Some organizers have built-in alarms and reminder features. Alternatively, there are free smartphone applications that can help set up a schedule for reminders.
• Do you have a difficult time opening your medication containers? There are easy-to-open pill boxes or automated medication dispensers that are ideal for those with dexterity challenges.
• Do you need a portable pill box for travel? Compact portable pill boxes are designed for travel, some of which include sealed cases that prevent moisture and dust from entering.

High-Tech Pill Organizers

If you need more help keeping up with your medication regimen, smart pill boxes will organize your pills, remind you to take them, track your progress and text or email caregivers if the pills are not taken. If you need additional help, consider an automated medication dispenser which is comprehensive, Wi-Fi connected and app-based that reminds you when to take your pills and dispenses them to you. Search for these pill boxes online using key words like “smart pill box.”

Medication Reminding Apps

If you are interested in a medication reminder app, there are free apps that you can download in the Apple or Google Play app stores that will send you timely notifications to take your pills and reminders to refill your prescriptions. A simple solution is to create a daily alarm in the clock app with a reminder to take medications.

Savvy Living is written by Jim Miller, a regular contributor to the NBC Today Show and author of "The Savvy Living” book. Any links in this article are offered as a service and there is no endorsement of any product. These articles are offered as a helpful and informative service to our friends and may not always reflect this organization’s official position on some topics. Jim invites you to send your senior questions to: Savvy Living, P.O. Box 5443, Norman, OK 73070.

In addition, traditional IRA owners who are age 73 or older have a required minimum distribution (RMD). The RMD starts at approximately 3.8% and increases each year as the IRA owner becomes older. The QCD from an IRA will count towards a taxpayer’s RMD.

To qualify as a QCD, the distribution must be sent directly to a qualified charity. Some IRA custodians will send a check to the IRA owner for distribution to the charity, however, the check must be payable only to a qualified exempt organization. Because it may take time for some custodians to process the request, the IRS urges IRA owners to initiate the QCD process by early December. This ensures sufficient time to make certain that the transaction has been completed by December 31, 2024.

The maximum QCD, which is indexed each year for inflation, is $105,000 in 2024. If a married couple are both over age 70½, they could potentially contribute double the limit to charity, up to $210,000.

For IRA owners who are planning for next year, the IRS has released the inflation-adjusted number for 2025. In 2025, individuals will be able to transfer $108,000 from an IRA to charity as a QCD.

If the IRA custodian does make a transfer to a charity, the IRA owner will receive IRS Form 1099-R, Distributions From Pensions, Annuities, Retirement or Profit-Sharing Plans. The IRS Form 1040 for tax year 2024 will require the IRA distribution to be reported on Line 4a. If the full distribution is a QCD, the taxpayer will enter "0" on Line 4b of his or her tax return.

A charity must send the donor a written acknowledgment of the IRA contribution. This is not a receipt because the gift is not included in the donor’s income and is not deductible. However, the written acknowledgment from the charity must state that "no goods or services were received" in return for the IRA gift.

IRS Publication 526, Charitable Contributions and IRS Publication 590-B, Distributions from Individual Retirement Arrangements (IRAs) have additional information on the procedures for substantiating a gift from your IRA.