Fraud Watch- Medicare Open Enrollment Scams

MSG Communications Resources Logo
Reprinted with permission from AARP’s Fraud Watch Network.

October marks the start of Medicare open enrollment, and unfortunately, the peak season for Medicare fraud. From October 15 to December 7, eligible beneficiaries can review options and make changes to their Medicare health and Part D prescription drug plans. But not every offer is what it seems.

Each year, criminals take advantage of open enrollment season by posing as insurance providers. They may call, email or show up offering free gifts or limited-time offers, all designed to steal your money, Medicare information, or even your identity.

At the same time, advances in modern medical technology create new opportunities for fraud criminals. Medicare beneficiaries should be cautious of devices advertised as medical monitors or promoted for uses they weren’t designed for. To stay safe, rely only on equipment prescribed by your doctor.

To protect yourself from Medicare schemes, avoid sharing personal information with anyone who contacts you unexpectedly about Medicare. Legitimate plans can only reach out if you’ve requested information or already have an existing relationship with them. Beneficiaries can safely compare legitimate plans and change enrollment by going to medicare.gov or by calling 800-633-4227.


Report scams to local law enforcement. For help from AARP, call 1-877-908-3360 or visit the AARP Fraud Watch Network at aarp.org/fraudwatchnetwork.

AARP Fraud Watch Network

Need a scam prevention speaker for your group? Click the link to fill out the AARP online form or email me@aarp.org.

Communication Shorts 9-28-2025

By Walter Boomsma,
MSG Communications Director
207 343-1842

Communication Shorts are brief (short) but important items posted for your information and use. Please send us your ideas and thoughts!

October Bulletin

Yes, there will be an October Bulletin, although with the State Session, the mailing of the physical copy may be delayed a bit. The deadline for submission is October 14th. Recent issues of the Bulletin can be found on the Program Books and Information Page in the communications section.

National Grange Website Links

Some recent changes to the National Grange Website have resulted in some links not working. If you encounter broken links on the Maine State Grange website, please report them to Walter. If you encounter them on the National Grange website, report them to National Grange.

Dates and Deadlines

With the start of another Grange Fiscal Year, essential dates and deadlines abound!

Annual Purge Continues

We’re removing dated information from the website. This includes documents, posts, and photos. While some things are considered timeless, a general policy is to remove items that are more than two years old. One of the significant challenges this time of year is updating online directories. Please make sure we have your current information!

Think About This!

“Autumn is a second spring when every leaf is a flower.”

Albert Camus

An Idea for Your Grange

At Valley Grange, we schedule meetings a full year in advance and assign “Grange Bees” – individuals responsible for tasks such as ensuring the hall is open and ready, as well as maintaining a supply of staples for potluck meals. It may not be a one-person job, but we want to be clear on who is responsible!

Subscribe!

Remember, we don’t share your email address with anyone, and you get a weekly summary of what’s been posted. Subscribe here! Share that link with your members!

Online Directories Available 24-7

Thanks to those who help us keep these directories current by letting us know of changes!

  • The Directory of Granges features all Granges in the state with a contact person. Please make sure your listing is correct! Visitors to the site frequently consult these directories.
  • The ODD Directory features all state officers, directors, and deputies, along with their contact information.

Fraud Watch- Steps to Protect Agains ID Theft

MSG Communications Resources Logo
Reprinted with permission from AARP’s Fraud Watch Network.

Identity fraud and scams are a massive and growing problem, but there are things each of us can do to protect against identity fraud, even if our data has been exposed.

One way to help safeguard your personal information is to enable automatic updates on your device’s operating system and antivirus software. These updates often fix known security vulnerabilities that criminals could exploit.[JP1] 

Another way to stay protected is to be cautious of unsolicited calls, texts, emails and social media messages. Criminals spoof phone numbers and impersonate trusted sources to appear legitimate. Avoid clicking on links in emails, texts or online ads. Rather, type the web address of the company whose site you want to visit directly into you web browser. Let your voicemail or answering machine handle unfamiliar calls. If the call is important, the person will likely leave a message, and you can verify the number and information before calling back.

Despite the rise of online threats, criminals still rely on traditional methods like dumpster diving to steal personal information. Shred anything containing sensitive information that you don’t need to keep for specific purposes. For example, shred credit card statements, sales receipts, medical statements and credit offers that you no longer need. AARP offers free document shredding and other fraud-related events across the country. To see if one is planned near you, visit aarp.org/local


Report scams to local law enforcement. For help from AARP, call 1-877-908-3360 or visit the AARP Fraud Watch Network at aarp.org/fraudwatchnetwork.

AARP Fraud Watch Network

Need a scam prevention speaker for your group? Click the link to fill out the AARP online form or email me@aarp.org.

Fraud Watch- Peer-to-Peer Payment Systems

MSG Communications Resources Logo
Reprinted with permission from AARP’s Fraud Watch Network.

Peer-to-peer (P2P) payment apps like Venmo, Zelle, and Cash App have made sending money between family and friends easier than ever. But consumers beware: while these apps make exchanging money fast and convenient, they also make it quick and seamless for criminals to steal your money through a variety of tactics.

You might get a message that appears to be from a loved one in trouble who needs you to send money quick through a P2P app. Or you may see a “discount” for an online marketplace product if you make the payment through a P2P app, only to discover the seller is a scammer.

Another common scam involves someone “accidentally” sending you money via a P2P service and then asking you to return it. However, their initial payment will later bounce like a bad check, leaving you responsible for any funds you sent back.

It’s best to use P2P apps to send money to friends, family, and other people you know and trust. These apps do not have the same consumer protections as credit cards. Transactions are like paying cash — instantaneous and usually irreversible. If you receive an unexpected payment, don’t accept it and report it to the app provider.

Report scams to local law enforcement. For help from AARP, call 1-877-908-3360 or visit the AARP Fraud Watch Network at aarp.org/fraudwatchnetwork.

AARP Fraud Watch Network

Need a scam prevention speaker for your group? Click the link to fill out the AARP online form or email me@aarp.org.

Communication Shorts 9-15-2025

By Walter Boomsma,
MSG Communications Director
207 343-1842

Communication Shorts are brief (short) but important items posted for your information and use. Please send us your ideas and thoughts!

September Bulletin

The September Bulletin is now available for download and printing. Recent issues of the Bulletin can be found on the Program Books and Information Page in the communications section.

An Annual Report?

It’s the end of the Grange Year. Certain State Officers and Directors are expected to file an annual report of their activities and accomplishments. (We’ll be publishing them on the site as they are received.) Have you considered putting one together for your Grange? You can think of your communities as your stockholders. Let them know what you have done this year!

Dates and Deadlines

Fall is coming. Some might say it’s already here. With the start of another Grange Fiscal Year, essential dates and deadlines abound! ODDs Note: Annual Reports are due today and Program Books by October 1, 2025!

Annual Purge Continues

We’re removing dated information from the website. This includes documents, posts, and photos. While some things are considered timeless, a general policy is to remove items that are more than two years old.

Think About This!

“A dull truth will not be looked at. An exciting lie will. That is what good, sincere people must understand. They must make their truth exciting and new, or their good works will be born dead.”

Bill Bernbach

An Idea for Your Grange

Last call! We’re almost finished with the BEB (Books Exchange Box) and LFL (Little Free Library) Resource Page. If your Grange has one or is interested in participating, please let us know.

Subscribe!

Remember, we don’t share your email address with anyone, and you get a weekly summary of what’s been posted. Subscribe here! Share that link with your members!

Online Directories Available 24-7

Thanks to those who help us keep these directories current by letting us know of changes!

  • The Directory of Granges features all Granges in the state with a contact person. Please make sure your listing is correct! Visitors to the site frequently consult these directories.
  • The ODD Directory features all state officers, directors, and deputies, along with their contact information.

Fraud Watch- Taking on AI Banking Scams

MSG Communications Resources Logo
Reprinted with permission from AARP’s Fraud Watch Network.

Artificial intelligence (AI) is making it even easier for criminals to steal people’s money, and American’s anxiety is rising. Concern is especially high around financial services, where scammers can use deepfake technology — AI-generated audio and video — to impersonate people and hack into bank accounts.

To help tackle the problem, AARP endorsed the Senate’s bipartisan Preventing Deep Fakes Scams Act and a companion bipartisan bill in the House. The bill would establish a dedicated federal task force to examine the positive and negative impacts of AI on the financial services industry.

The panel would include industry representatives, AI experts, and others. It would be charged with examining how criminals use AI in financial scams and how the industry can leverage the technology to better detect fraud and stay ahead of scammers. The bill would also require the task force to explore the use of AI in the financial sector to detect fraud and to work on interagency solutions.

Report scams to local law enforcement. For help from AARP, call 1-877-908-3360 or visit the AARP Fraud Watch Network at aarp.org/fraudwatchnetwork.

AARP Fraud Watch Network

Need a scam prevention speaker for your group? Click the link to fill out the AARP online form or email me@aarp.org.

Communications Column – September 2025

By Walter Boomsma
207 343-1842
Communications Director

Can we “c” this?

The recent reminders of the Grange’s “non-partisan” policy are timely, as it has become increasingly difficult to comply with for at least two reasons. First, many people have become quite intense over their political affiliation. Second, political issues are increasingly seen as party issues.

Pick a “hot” issue–it almost doesn’t matter what the issue is. Gun control? Education? The environment? Can we discuss it without becoming partisan? The odds are good the discussion will quickly devolve into “choosing sides.” Of itself, that’s not a bad thing until the “side” becomes the issue. Often, labels take the place of the actual issue. It’s tempting to ban political discussions in the interest of maintaining harmony.

Have you noticed that the words “party” (or partisan) and “political” are being used almost interchangeably? If the Grange is non-partisan, must it be non-political? What happens to our legislative interests and efforts? How do we write and then discuss resolutions without stumbling over the line?

Years ago, I worked with a guy who often noted that people like to talk about things, but they rarely talk about HOW they are going to talk about those things. So, if the Grange is to remain “non-partisan” but not abandon our interest (and original purpose!) in legislative matters, how do we do that? (That, in and of itself, is an interesting topic. I am tempted to digress into the point that practice is ultimately policy. What we do communicates our values as an organization far more than what we say.)

In all our discussions and deliberations, we need to “c” some things about the purpose of communication. Here’s a partial list:

  • compassion,
  • cordiality,
  • concern,
  • consideration,
  • cooperation,
  • collaboration,
  • charity.

In essentials, unity; In non-essentials, liberty; In all things, charity.

The Grange Motto

Too often, we communicate to convince. Can we, instead, communicate to explore? Can we, in all sincerity, ask another with whom we might initially disagree, “Help me understand…” It’s a great question. Let’s communicate to understand. Understanding does not have to equate to agreement.

Within the Grange, we aim to reaffirm (and hopefully agree on) the essentials of community building, education, and non-partisan grassroots advocacy. We succeed when we allow personal freedom and respect for diverse opinions that are not crucial to the organization’s core mission. The wisdom of the founders is evident in the fraternal nature of the Grange.

The order of our motto is critical. First and foremost, let’s focus on the essentials. (The Declaration of Purpose is a good place to start.) We allow–maybe even encourage–personal freedom of choice. And we practice the “c’s” in the interest of achieving the essentials.

Let us be quiet, peaceful citizens…”

If things start to get out of hand during a Grange meeting, the master might do well to bang the gavel and declare loudly, “Let us be quiet, peaceful citizens,” not because we’re about to “separate and go our separate ways,” but because one essential thing we’ve agreed to is simply that. We will be quiet (but not silent), peaceful citizens. And we’re going to help each other understand what that means while we explore.

We’re Grangers; we help each other.

► FACT: The Communications Department’s Annual Report has been released and is available on the Program Books and Information Page.


Fraud Watch- Three Things to Know About Scams

MSG Communications Resources Logo
Reprinted with permission from AARP’s Fraud Watch Network.

Here are three important things to know about fraud right now.

First, most scams today are often run by highly organized international criminal networks, not  individuals acting alone. These mafia-style organizations use stolen money to fund abusive criminal activity around the world, including Southeast Asian fraud compounds that rely on human trafficking, forced labor, and torture. Fighting scams isn’t just about protecting your life savings, it’s also about cutting off funding to these inhumane and violent organizations.

Second, just as you take steps to protect your health or home, you can take steps to safeguard your finances. This means taking actions like blocking unknown callers, using strong and unique passwords for every account, enabling two-factor authentication on your online accounts freezing your credit, checking your credit report regularly, and shredding documents that contain personal information.

Third, if you do fall victim, report the crime, as fraud is notoriously underreported. Reporting isn’t just about helping authorities catch criminals. It also helps expose the true scale of the problem and the need for fraud-fighting resources. The AARP Fraud Watch Network recommends reporting to your local police to create an official record and to the FBI’s Internet Crime Complaint Center at IC3.gov.

Report scams to local law enforcement. For help from AARP, call 1-877-908-3360 or visit the AARP Fraud Watch Network at aarp.org/fraudwatchnetwork.

AARP Fraud Watch Network

Need a scam prevention speaker for your group? Click the link to fill out the AARP online form or email me@aarp.org.

By the Book —   a message from Chris Hamp, National President

I want to remind each of you and ask that you make it a priority to remind your membership of our long-standing and unwavering non-partisan policy, which has been part of our Order since day one. Our Constitution, Declaration of Purposes, and Bylaws clearly state that the Grange is not, and must never become, a partisan or party organization and this must be reflected in all we do. This applies to every publication at every level, oral reports at Grange meetings, social media posts made in the name of the Grange, and any other communication. I ask that you carefully review and ensure that all communications are free of partisan comments, endorsements, or implications. When we drift into comments about people and parties rather than focusing on issues, we erode the very bonds of unity built by our non-partisan approach. Our strength lies in being a trusted, non-partisan voice for rural America, and it is vital that we preserve that trust through our words and actions. That unity is what makes the Grange one of the few remaining places where civil dialogue across differences can thrive – and it is essential we protect it.

CHAPTER I – CONSTITUTION OF THE ORDER OF PATRONS OF HUSBANDRY

1.12.1 Denominational religious or partisan political matters shall not be the subject of discussions in the work of the Order, and no religious or political tests for membership shall be applied.

CHAPTER II – DECLARATION OF PURPOSES OF THE NATIONAL GRANGE OF THE ORDER OF PATRONS OF HUSBANDRY

2.5.1 We emphatically and sincerely assert the oft-repeated truth taught in our Constitutional Law, that the Grange — National, State, Pomona or Subordinate — is not a partisan or party organization.

CHAPTER X – CODE OF ALL GRANGES 10.1.4 No Grange of the various divisions of the Order shall use or allow to be used any name, insignia or mark of the Order in a manner which could indicate support, approval or opposition of any candidate for political office or any partisan political position.

MSG President Sherry requested that we post and publish this important message!

President’s Perspective – September 2025

By Sherry Harriman,
Maine State Grange President/Master
207 490-1029

The full election of officers for the Maine State Grange will take place on Saturday, October 18.

Any Grange member in good standing may be elected to a State Office. Your dues must be paid up to date in your own Subordinate Grange and Pomona Grange.

During the election process, one of the voting delegates must present the name of the prospective person for that particular office. You may not present your own name, and there will be no speeches or campaigning. The voting delegates then vote on their choice, by written ballot, from the names presented, or by writing another name on the ballot; the majority of the ballots cast elects the officer. If your name is presented for an office, you may decline without giving a reason if you choose to.

Who may vote at the Annual State Grange Session?

The Delegates are those members selected by the vote of their Subordinate or Pomona Granges to represent their Grange and vote on issues and elections. The Grange dues must be paid up to date at the time of the State session in order for your delegates to be entitled to vote. Each Grange may send two members as delegates and may select two alternates as well. The names of the two delegates and two alternates must be registered with the State Grange Secretary on a form provided. No other persons may be substituted to vote as delegates if they are not on the registration form. (Emergency changes may be made by phone or email prior to opening of the session.) A member may only represent one Subordinate Grange and/or one Pomona Grange.

Custodial Accounts held by Maine State Grange

We are holding funds for several Granges with our State Grange accounts. Also, several Granges have merged over the past few years, and the NET proceeds from the sale of the closed property are held in a “Custodial Account” on behalf of the consolidated Grange for their use for repairs and upgrades to their present hall and property. To get these funds for use, you must submit written estimates from a contractor, on their letterhead or billing invoice: describing the work to be done, listing materials, estimated hours, and terms of the contract – including deposit amount, payment expectations, and expected work dates, etc. This written estimate and information must be sent to the Maine State Grange office, either by email or standard mail, for my review and acceptance. Then it will be passed on to the State Treasurer for issue of the check(s). The check(s) will be made out to the contractor and mailed to the Secretary of the Grange or other designated person of the Grange. Upon completion of the work, the payment request must go through the Maine State Grange in the same manner. Each time you need more funds for repairs or work to be done, the same process must be followed. If these funds are in a CD, there may be a fee to withdraw funds before the maturity date of the CD.    Net Proceeds: After the sale of property there are charges taken out of the gross or total sale price: Realtor Commission(s) vary according to the contract; State closing costs; Attorney fees for deed transfers and other pertinent paperwork; State Corporation fees; insurance coverage; utilities, if applicable and any other costs associated with the property before and after the final sale. The Maine State Grange does not use your money except as it is associated with the property. Maine State Grange does not charge a custodial fee – even though we could. We are not trying to keep you from your funds, but ensuring they are used as intended and in accordance with the By-Laws of the National and State Granges.