Dear Savvy Senior,

A couple months back I read that the IRS will be offering a new senior-friendly tax form this tax season that will be easier to use. What can you tell me about this? Paper Filer

Dear Filer,
It’s true. The Internal Revenue Service (IRS) has created a new federal income-tax form specifically designed for senior taxpayers, age 65 and older, that should make filing a little easier this year, particularly those who don’t file electronically. Here’s what you should know.
Form 1040-SR
Created by the 2018 Bipartisan Budget Act, the new two-page simplified federal income tax form is called the 1040-SR. Similar in style to the old 1040-EZ form that the IRS discontinued last year, the new 1040-SR has larger print and better color contrast that makes it easier to read.
In addition, it also includes a chart to help older taxpayers calculate their standard deduction, which may help ensure that fewer seniors neglect to take the additional standard deduction that they are entitled to. For 2019, the additional deduction for those 65 or older or the blind is $1,300.
The 1040-SR form also has specific lines for retirement income streams such as Social Security benefits, IRA distributions, pensions and annuities, along with earned income from work wages and tips. And, it allows a child tax credit for seniors who are still taking care of a dependent child or grandchild.
You can also report capital gains and losses, as well as interest and dividends on this new form. Any of the tax schedules available to those using the standard form 1040 may also be used with the 1040-SR.
You should also know that the 1040-SR doesn’t put a limit on interest, dividends, or capital gains, nor does it cap overall income like the old 1040-EZ form did. But, if you have to itemize because of state and local taxes or charitable giving, then you will not be able to use the new Form 1040-SR.
Paper Filing Advantage
Seniors who use tax-preparation software to file their taxes will be able to generate a 1040-SR, but the new form will provide the most significant benefit to taxpayers who still fill out and file their returns on paper.
Last year, about 88 percent of the 153 million individual federal tax returns filed to the IRS were filed electronically. About 5 percent were prepared using tax software, then printed out and mailed to the agency, while about 7 percent were prepared on paper.
To use the new 1040-SR tax form for the 2019 filing year, taxpayers, including both spouses if filing jointly, must be at least age 65 before Jan. 1, 2020. You also don’t have to be retired to use the form – older workers can use it too. But early retirees (younger than 65) cannot use 1040-SR.
To see the 2019 draft version of the new 1040-SR form, go to IRS.gov/pub/irs-dft/f1040s–dft.pdf.
Tax Preparation Help
If you need help filing your tax returns this year, consider contacting the Tax Counseling for the Elderly (or TCE) program. Sponsored by the IRS, TEC provides free tax preparation and counseling to middle and low-income taxpayers, age 60 and older. Call 800-906-9887 or visit IRS.treasury.gov/freetaxprep to locate a service near you.
Also check with AARP, a participant in the TCE program that provides free tax preparation at more than 4,800 sites nationwide. To locate an AARP Tax-Aide site call 888-227-7669 or visit AARP.org/findtaxhelp. You don’t have to be an AARP member to use this service.

Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

The trauma center at OU Medicine has been re-verified as a Level 1 Trauma Center by the American College of Surgeons.
In 2001, the Trauma One Center, at both OU Medical Center and The Children’s Hospital, was designated as Oklahoma’s only Level 1 Trauma Center, the highest national ranking a trauma center can receive. The verification process by the American College of Surgeons validates that trauma centers have all resources necessary for any type of trauma care.
“Earning verification from the American College of Surgeons is gratifying because it reflects the commitment and hard work that our healthcare professionals deliver day in and day out,” said OU Medical Center President Kris Gose. “The process validates that we have all resources in place to provide optimal trauma care at any time.”
As a Level 1 Trauma Center, Trauma One offers comprehensive care that can handle the most critical emergencies. Trauma One provides 24-hour coverage by general surgeons, and quick availability of care in specialties such as orthopedic surgery, neurosurgery, anesthesiology, emergency medicine, radiology, internal medicine, plastic surgery, oral and maxillofacial surgery and more.
Operating rooms and trauma surgeons are available 365 days a year, and the air ambulance Medi Flight can be dispatched in minutes to airlift patients to Trauma One. A multidisciplinary team of physicians, nurses, specialists and other health care professionals are always on site, using advanced technology to treat the most severe and critical injuries. Level 1 Trauma Centers provide total care for every aspect of injury, from prevention through rehabilitation.
In addition to serving people across Oklahoma, Trauma One, because of its location in the geographic center of the state, is ideally positioned for regional access as well. An injured person’s best chance for survival is when treatment occurs within an hour of the event. Paramedics, ambulance systems and other hospitals across the state play key roles in transporting patients to Trauma One within an hour.
“The Trauma One Center has been able to save countless lives in its nearly 20-year existence,” said Roxie Albrecht, M.D., medical director of Trauma One. “As part of a tertiary care center, it is important that we participate in continuous assessment of our program. Our aim is to always provide the highest level of care to people when they need it the most.”
The verification of Trauma One was conducted by the Verification Review Committee, a subcommittee of the Committee on Trauma of the American College of Surgeons. Verified trauma centers must meet the essential criteria that ensure trauma care capability and institutional performance, as outlined by the American College of Surgeons’ Committee on Trauma in its manual Resources for Optimal Care of the Injured Patient. There are five categories of verification in the program. In addition to submitting documentation, Trauma One had an on-site review by a team of experienced site reviewers.
Level 1 Trauma Centers like OU’s Trauma One also provide public education and prevention information to people across the state. OU’s primary areas of advocacy are: ATV Ride Safe Oklahoma, which provides classes to increase awareness of ATV safety guidelines; Stop the Bleed, a course that teaches how to save someone’s life by controlling bleeding; and concussion education for coaches, game officials, athletes and parents about the nature of concussion and head injury.

When you hear the word “malnutrition,” you probably think of people in impoverished countries, but the fact is, one in every two older adults is at risk of becoming malnourished.
An elderly Oklahoma City woman was that one in two. Sharon Gibson said she was wasting away. Doctors had given up hope and so had she.
“It was just all overwhelming and I was to the point where I didn’t care whether I lived or died,” the 74-year-old said.
Malnutrition in older adults is a hidden and growing epidemic and a costly one. The estimated price tag of the increased health care costs for disease-associated malnutrition in older U.S. adults tops $51 Billion a year. Hunger is not the sole cause. Sometimes it’s about eating the wrong foods and sometimes medical conditions like cancer, diabetes and Alzheimer’s are to blame.
Gibson had been diagnosed with Chronic Obstructive Pulmonary Disease, which left her constantly out of breath. She also had digestive issues that impacted her ability to eat, as well as trouble standing, which made it difficult to cook.
“I was very sick physically, emotionally. I couldn’t eat. My digestive system was shot. My lungs were shot – my whole bone structure. I couldn’t even stand up straight,” she explained. That was before Gibson found Valir Pace, a non-profit program that provides all-inclusive care to older adults.
“A lot of participants have come to me when I’m doing their initial assessment and they say, ‘you know, sometimes I have to pay my medicine, you know, pay for medicine and sometimes I have to decide if I want to eat or what I’m going to buy to eat and that’s so heartbreaking,” said Zella Classen, MA, RD/LD, director of Food and Nutrition at Valir Pace.
At Pace, Classen and the entire nutrition team spend their days preparing, serving and packing meals for delivery to participants. They know malnutrition in older adults can lead to a variety of health problems. These include:
• An increased risk of infection due to a weak immune system
• Poor wound healing
• Muscle weakness and decreased bone mass, which increases the risk of falls and fractures
• A higher risk of hospitalization and death
“A lot of times someone will come to me and they may not have been educated on an appropriate diet for them. And remember, as we are get older, we may develop a chronic disease like diabetes or heart disease, and things like that; and they may not have been educated on that. Or if they have been, they really struggle on getting the right foods for that diet because of their limited income. So, we try to work with them on educating and then trying to help solve that problem on getting them the appropriate foods,” Classen said.
Today thanks to Valir Pace, participants have access to two meals a day, as well as delivery of specially prepared meals and groceries to their homes. It’s not just providing food, though. Classen said it is about providing the right food and the right nutritional supplements to optimize health.
Today, Gibson has a very different outlook on life.
“Nutrition is the basis of everything. If you’re not eating, your body isn’t functioning. You can’t do anything else. So, Zella interviewed me and asked really good questions. They got to the root of my digestive problems and set up a plan with me and, slow but sure, I gathered strength,” she said.
Gibson pays nothing for the program – a program she says has literally saved her life.
“They’ve turned my life around. I’m living again. I’m not just existing. I’m not waiting to die. I’m living and enjoying each day,” she said.
To find out if you or a loved one qualifies for the program, visit www.valirpace.org

By Joshua Vascil, OU Medicine

When it comes to healthy and effective exercise habits, the amount of time and effort you can put in to the workouts is the key. However, an OU Medicine internal medicine provider says there are some helpful options for those who don’t have much time to work out.
According to the Journal of the American Medical Association, adults should spend 150 to 300 minutes per week of moderate-intensity, or 75 to 150 minutes a week of vigorous-intensity aerobic physical activity. The Journal also recommends adults perform muscle-strengthening activities that involve all major muscle groups two or more days a week.
Joanne Skaggs, M.D., OU Medicine internal medicine physician, says time does matter when it comes to your workout habits, however, if you don’t have much time, she recommends High Intensity Interval Training or HIIT work-outs or simply limiting idle time throughout the day.
“Weight-bearing exercise is key for metabolism and losing weight just as much as aerobic physical activity is,” Skaggs said. “You always want to do a combination.”
Maintaining a routine to ensure that you get the most out of your exercise habits is important, Skaggs said. She recommends marking time for exercise on a calendar. “It forces it to become part of your schedule so that it’s harder to ignore, or at least there is some guilt. Group fitness is also a good way to motivate and become socially engaged in your community.”
For those who can’t find time or can’t make it to a fitness facility or gym regularly, Skaggs suggests trying to limit idle time by incorporating some of these activities in your day:
· Move more
· Sit less
· Park at the back of the parking lot
· Take the stairs when you can
· Incorporate physical activity into family time
· Look for fitness videos online, even if it’s only a 10 minute workout
“I always recommend the rule of 3’s,” Skaggs said. “Three minutes for three days in a row. Increase by three minutes every three days until you are able to reach 30 minutes. It’s much more doable this way.”
Skaggs warns that it’s always important everyone knows their limits and not push too hard, to avoid injury. “Do not go out and try and lift excessively or over exert yourself. Know your body. Do what you can, gradually pushing yourself to maintain a steady, healthy exercise pattern. And, you need to realize that physical fitness and health takes time. You’re not going to lose 50 pounds overnight.”
Before starting a new exercise and fitness regimen, it is important to check with your doctor.
OU Medicine has primary care physicians available at many locations across the Oklahoma City metro. For more information, go to: https://www.oumedicine.com/oumedicine/primary-care

Ensemble performs woman composer Libby Larsen with Mozart, Weber, Schoenberg

Guest pianist Stephen Buck joins the Brightmusic Chamber Ensemble in this season’s third concert, “Rustic Gardens,” Tuesday, January 21, 7:30 p.m at St. Paul’s Cathedral. Brightmusic continues the season featuring female composers with “Barn Dances” by Grammy Award winner Libby Larsen, in addition to works by Weber, Mozart, and Schoenberg. Buck serves on the academic faculty of State University of New York (SUNY) Purchase Conservatory of Music and champions new music.
Cowboy dances inspired American Libby Larsen (b. 1950) to write “Barn Dances” for flute, clarinet, and piano. Larsen named each movement for a dance step “to take a flight of fancy in each movement and to create the musical equivalent of a calendar drawing.” The second movement, Divide the Ring, pays homage to country singer Gene Autry.
“Rustic Gardens” continues with the Quintet for Clarinet and Strings in B-flat major (Op. 34) by German composer Carl Maria von Weber (1786-1826) and the Quartet No. 1 for Flute and Strings in D major (K. 285) by Wolfgang Amadeus Mozart (1756-1791). Weber had his friend, clarinet virtuoso Heinrich Baermann, in mind, with rich technical and melodic passages for the soloist. Mozart likewise wrote his quartet for Dutch surgeon and flutist Ferdinand Dejean. The quartet charms with clear form and texture.
In contrast is the harmonically complex Chamber Symphony No. 1 by Austrian Arnold Schoenberg (1874-1951). The piece marks the end of his conventional (post-Romantic) period and anticipates his evolution to a twelve-tone technique, giving equal emphasis to all notes.
Musicians appearing in this concert are: Stephen Buck (piano), Gregory Lee and Katrin Stamatis (violin), Mark Neumann (viola), Jonathan Ruck (cello), Parthena Owens, (flute), and Chad Burrow (clarinet).
Admission is $20 at the door and free for children, active-duty military, and students with ID.
Brightmusic Chamber Ensemble, Oklahoma City’s own chamber ensemble, presents fine classical chamber music in acoustically-rich St. Paul’s Cathedral at NW 7th and Robinson near downtown Oklahoma City. Free parking is available south of the cathedral. For more information about the ensemble and upcoming concerts, visit www.brightmusic.org

Photography and Text by Terry “Travels with Terry” Zinn t4z@aol.com

Any time of year is a good time to look toward the future while examining the past. Over my more than twenty-five years of professional travel writing and photography I find some of my most carefree experiences had been aboard a ship traveling to unknown destinations.
Over the years I have cruised aboard Regent, Royal Viking (twice), Holland American, MS Egypt, Sunline, Blount, Princess, Seabourn, The American Heritage Windjammer, and a Fantom ship to Cuba, among others. These personal experiences add credibility to my evaluations of the cruise experience. I often tell my friends that on the whole I find the cruise ship experience so good that I’d do it every week, if it weren’t for the single supplement penalty. Paying for two while I’m a single traveler is not appealing. Some cruise lines will try and pair you with a compatible stranger to negate the double charge, but that uncertainly is not for me.
There is a never-ending assortment of cruises ships, small to mega sized, all with advantages and disadvantages. Large mega ships offer a wider range of dining options, some with elite specialty pre reserved dinning rooms with up charges, but often worth the upscale food selections and air of luxury. Of course, when you share your leisure experiences with two or three thousand of your best strangers, with or without children and other walkers, can be a roadblock to carefree cruising. While the ships try their best not to have log jams during tour disembarkations, and final disembarkation, the wait is a challenger for impatient passengers. Larger ocean-going ships promise and offer a smoother sailing with the weather is not cooperating.
Smaller ships are more at prey to unwieldy seas, but most captains will steer away from such irritations if possible. The key is if possible, as the Captain is in charge of your safety as well as your enjoyment or frustrations, despite your wishes, as some planned on ports of call have to be substituted without notice. Other less offered options are historical lectures and smaller entertainment options as well as less shopping and casino. I can do without casinos, but some find it a must for evening entertainment.
You still have lots of options when exploring the ship your wish to book, including dining times, cabin locations, beverage packages, and optional upscale booking venues such as spas, relaxation areas, and on deck venues.
I find on cruises you get what you pay for. On an upcoming cruise with Celebrity I booked the aqua class ocean view cabin with concierge service and a beverage package and even room service which is so welcomed early in the morning. This is a regular size cabin with small veranda and is not the next class up a suite. The difference in price from a non Aqua class deck to a lower deck, same size room and veranda, was nominal. For the perks of the higher class, it made good sense to spend a little more and get a lot more luxury. I find this true on other cruise lines as well.
In our internet age, there are many cruise ship’s tours and reviews on line. Just put in the name of the cruise line or specified ship and you might be surprised at the honest and informative evaluations, some with cruise ship video tours.
Don’t let all these prepaid and prereserved options daunt you. It does take up your time and mental energies but that can be part of the cruise enjoyment. I have always found there are three levels of travel enjoyment. One is the pre-trip, planning and looking forward to an adventure. Two is the trip or destination itself. And three is reflecting, some time for years on your travel experience. All three levels amplify your benefits from travel.
It is well known that a prime advantage of a cruise is arrive, unpack once, and your basic needs, including food and entertainment, is taken care. Just as in any hotel, large or small, upscale or not, the noise irritation of door slamming from your “neighbors” is inevitable.
It this does not fit your disposition, maybe leisure travel is not for you. Travel is a risk, from a secure home base, but if you never challenge yourself to get out into the world, you become only an armchair traveler watching travel shows on TV. If health allows go as soon as you can as the world and its challenges are always increasing, and besides, I don’t think we are getting any younger or more mobile. But with an adventurous spirit and not expecting too much, travel can be a reward for your spirit and your pocketbook.

For your consideration: https://okveterannews.com/031215/travel-entertainment-reflections-on-a-visit-to-cuba-part-two-getting-there

Mr. Terry Zinn – Travel Editor
Past President: International Food Wine and Travel Writers Association
3110 N.W. 15 Street – Oklahoma City, OK 73107
https://realtraveladventures.com/?s=terry+zinn
https://realtraveladventures.com/?s=zinn
http://new.okveterannews.com/?s=TERRY+ZINN
www.martinitravels.com

by Dr. C.V Ramana

Metabolic syndrome is a combination of risk factors that increase the likelihood of developing heart disease, diabetes, and stroke. These risk factors include high blood pressure, high blood sugar levels, excess body fat (particularly around the waist), high triglyceride levels and low levels of good cholesterol. Having only one of these risk factors does not mean that you have metabolic syndrome, however, having one will increase the possibly of developing cardiovascular disease. Having three or more will likely result in a diagnosis of metabolic syndrome. The two critical risk factors for diagnosing metabolic syndrome is excess central body fat and insulin resistance.
The American Heart Association reports that approximately 25 percent of the American population has metabolic syndrome. To diagnose metabolic syndrome your primary care provider will perform tests to look for signs of the disorder. These tests may include a baseline blood pressure measurement, waist circumference measurement, a fasting lipid panel, and a fasting glucose level. Complications of metabolic syndrome include hardening of the arteries, peripheral artery disease, cardiovascular disease, diabetes, heart attack, kidney disease and stroke.
If you think you are at risk for metabolic syndrome, see your primary care provider for an examination and screening. Metabolic syndrome is treatable and the poor outcomes related to living with the disorder for many years are avoidable. Your primary care provider can provide support and encouragement for decreasing your overall body fat by making lifestyle changes. He or she can prescribe medications to reduce high blood pressure, high blood sugar and even high cholesterol. Preventing poor outcomes from metabolic syndrome is certainly possible. Establishing a primary care provider and having regular check ups is the first step in taking control of your health and leading a healthier lifestyle.
You are also welcome to call our Vascular Center to schedule a prompt and free consultation. You can contact us at 405-608-8884. We are a specialized center staffed with highly experienced professionals, including a Vascular/Interventional physician, dedicated to treating vascular disease on an outpatient basis using the latest proven technology to combat this epidemic.
Dr. C.V Ramana is a vascular and interventional radiologist with more than 20 years of practice experience. He has expertise in all areas of vascular and interventional radiology. Dr. Ramana has a Ph.D from Yale University and MD from CWRU in Cleveland, Ohio where he subsequently completed his fellowship in Vascular and Interventional Radiology at the Cleveland Clinic.
Visit Naadi Health at 1 NW 64th Street in Oklahoma City or call (405)-608-8884. www.naadihealthcare.com

Linda Rakett and her fellow Blue Star Mothers of Chapter 6 love supporting the military and veterans. Rakett is a volunteer with Blue Star Mothers through RSVP of Central Oklahoma. The national organization, made up of mothers who have children serving in the military or who have served and have been honorably discharged, started in 1942 during World War II.
“Our mission is to serve and help active duty military and veterans,” said Rakett, who became a Blue Star Mother when her son joined the Army right out of high school in 2003. “We send deployment boxes to the ones serving around the world, and we try to help the veterans who are at the Veterans Administration hospital or VA Centers.”
During the Christmas season, Linda and the other mothers contact nursing homes in the area and find out how many veterans are residents. They prepare gift bags that contain socks, candy, tissues, personal greeting cards, and snacks for each veteran to share with them for Christmas. They also participate in the Marines Toys for Tots drive, help out at the Military Welcome Center at Will Rogers World Airport, and participate in Veterans Day parades.
“We do whatever we can do to help,” Rakett said. “We love helping our military and our veterans.”
To learn more about Blue Star Mothers and volunteering with RSVP of Central Oklahoma, call Laura McPheeters at 405-605-3110 or email lmcpheeters@rsvpokc.org.
Since 1973, RSVP of Central Oklahoma has helped senior adults continue to live with purpose and meaning by connecting them with rewarding community volunteer opportunities, including RSVP’s Provide-A-Ride Senior Transportation Program. RSVP is a partner of Senior Corps and the United Way of Central Oklahoma. To learn more about becoming a volunteer, call Laura McPheeters at 405.605.3110 or visit rsvpokc.org. You can also follow RSVP on Facebook at facebook.com/RSVPokc.