Male, J.D., 7 months old, and female, Rukai, 8 months old, are now on public view

The Oklahoma City Zoo and Botanical Garden is pleased to announce the arrival of two clouded leopard cubs: seven-month-old male, J.D., and eight-month-old female, Rukai. The duo were paired at the Pittsburgh Zoo, Rukai’s birthplace, in October and have spent the past two months bonding. J.D. was born at the Nashville Zoo in late April. The hope is that Rukai and J.D. will one day grow up to have their own cubs together and in clouded leopards, breeding is more successful when future mates grow up together. The method of introducing juvenile, genetically valuable male and female clouded leopards began about a decade ago when the clouded leopard population began to drastically decline.
“The Zoo is so excited to welcome these beautiful, gregarious clouded leopard cubs,” said Tyler Boyd, curator of carnivores. “In addition to serving as ambassadors for their species – educating Zoo guests about their plight in the wild and the need for wildlife conservation – J.D. and Rukai’s potential offspring will help ensure the species continues to thrive for generations.”
The cubs are located in the Cat Forest habitat between the Tiger and Small Cat Interpretive Centers. The carnivore and maintenance teams have added elevated perching opportunities to better suit the arboreal tendencies of this species and afford guests more opportunities for viewing. The Zoo is also home to 15-year-old male clouded leopard, Luke, who will not share a habitat with J.D. and Rukai.
Rukai and J.D.’s relocation to the OKC Zoo was a Species Survival Plan® (SSP) recommendation. The mission of an Association of Zoos and Aquariums (AZA) cooperatively managed SSP Program is to oversee the population management of select species, including the clouded leopard, within AZA member institutions like the OKC Zoo and to enhance conservation of this species in the wild. Each SSP Program coordinates the individual activities of participating member institutions through a variety of species conservation, research, husbandry, management and educational initiatives.
Clouded leopards are native to Nepal and Bangladesh. They are the world’s strongest climbing cats, which gives them an advantage over the other big cats sharing their territory. The species is listed by the IUCN as vulnerable to extinction due to deforestation, poaching and the pet trade. Clouded leopards are protected in most range countries although enforcement in many areas is weak. Precise data on clouded leopard population numbers is not known (they are among the most elusive cat species) but researchers estimate there are around 10,000 clouded leopards in the wild.
Every cloud(ed) leopard has a silver lining – you can CAT-ch them at the OKC Zoo’s Cat Forest habitat! Located at the crossroads of I-44 and I-35, the Zoo is a proud member of the Association of Zoos and Aquariums, the American Alliance of Museums, Oklahoma City’s Adventure District and an Adventure Road partner. Hours of operation are 9 a.m. to 5 p.m. daily. Regular admission is $11 for adults and $8 for children ages 3-11 and seniors ages 65 and over. Children two and under are admitted free. Stay up-to-date with the Zoo on Facebook, Twitter and Instagram and by visiting Our Stories. Zoo fans can support the OKC Zoo by becoming Oklahoma Zoological Society members at ZOOfriends.org or in-person at the Zoo! To learn more about these and other happenings, call (405) 424-3344 or visit okczoo.org.

Quite a bit to a Senior

Story by Darl DeVault

Central Oklahoma’s fastest growing recreational sport, pickleball, has everything going for it—universal design and appeal with senior-led visionary organizers. It is being widely embraced by seniors for its great health outcomes.
Pickleball is a recreational paddle sport for all ages and skill levels that is growing rapidly, providing more venues even now as winter weather sets in. The sport’s growth comes from its universal appeal wherein even grandparents who welcome the opportunity to try new fitness outlets can play with their grandkids to stay active.
Senior leaders have guided the Greater Oklahoma City Pickleball (GOPB) Club to average 32 percent growth for the last four years, after beginning in 2009 with several players. Currently, 750 members play and socialize at 18 venues around the metro area.
Brad Merritt, 63, president of the GOPB Club, says that pickleball is a draw for people of all ages and skill levels. “A major attraction of this sport is that strategy, placement and patience are greater assets than strength, size and speed,” Merritt said last week. “Older players and those with a less athletic background can really enjoy the game, while some play at a more competitive level.”
Merritt, as outgoing president after two years, is displaying that visionary zeal for the sport by beginning important negotiations with the city Edmond. Improved court availability could take place in the metro area once the newly built Edmond Tennis Center opens in early summer of 2020.
He and other club leaders seek to take advantage of that project, built by the City of Edmond and the Edmond Public Schools.
Merritt began talks two weeks ago to request that Edmonds’ previous facility, the Kickingbird Tennis Center, become a full-time pickleball venue.
The group is excited about this opportunity to have a full time pickleball facility locally.
As one of larger pickleball clubs in America, the GOPB Club has fostered pickleball as a way of life for its best players. Several professional players and impressive national title holders serve as role models to players of every age and talent level. They are traveling the globe to bring home gold, silver, and bronze medals from state and national tournaments and world cups.
The sports’ odd name is murky. Some say it is based on a dog named ‘Pickles’ who chased the ball as the three dads invented a game that young and old could play together 55 years ago. Joel Pritchard, Bill Bell, and Barney McCallum played the first games with solid wood paddles and a whiffle ball. They played near Seattle on a badminton court with the net lowered just past tennis height.
Played as singles and doubles, players only need the ability to move to get started in pickleball. The game is played on either indoor or outdoor courts that are usually scaled down tennis courts. There is serving, volleying and running in short bursts. There is sweating, bending, and stretching. Doubles games often brings spouses and children onto the same court.
Little is required to play, as only comfortable clothes and court shoes are needed to get started. The club furnishes paddles for beginners to use and will provide any partners needed. The club is full of friendly and helpful pickleball players always eager to welcome the curious to the court.
Club members offer lessons for beginners and help players develop their game through round robins, shootouts, leagues and novice-only tournaments. Better players attend tournaments in neighboring cities and states that happen all year long.
Each year, the club’s volunteers provide a free demonstration court for the full run of the Oklahoma State Fair, attracting many new players. The State Games of Oklahoma will host almost 500 players from across the nation here in Oklahoma City this month. Whether someone is just looking for a way to exercise or want to be challenged at a competitive level, there is a place in the pickleball community through this club’s activities.
You can get involved in the sport quickly by going to the national associations’ web site, www.places2play, and put in your zip code. That search brings up those venues in your local area along with times of play and contact information.
Through this club’s efforts and those of others there are places to play every day throughout Oklahoma with indoor and outdoor courts. They invite your interest at www.greaterokcpickleballclub.wildapricot.org
“It’s an exciting time for the sport and the local club with a new board assuming leadership roles this January,” said Merritt. “We expect a lot of new faces in the new year and the GOPB Club invites you to join them on the courts.”

By MC1 Jeffrey Hanshaw, SurgeMain Public Affairs

Assistant Secretary of the Navy for Manpower and Reserve Affairs Greg Slavonic visited Pearl Harbor Dec. 7, to speak personally with shipyard workers at an all-hands call and make public remarks at the USS Oklahoma Memorial on the anniversary of the World War II bombing.
Slavonic’s visit is in the wake of the deaths of two Pearl Harbor Naval Shipyard & Intermediate Maintenance Facility workers Dec. 5.
“The Pearl Harbor Naval Shipyard proved its tremendous spirit and resilience in the second World War when it responded to the tragic bombing,” Slavonic said. “In a mighty and skillful effort, USS Oklahoma was righted and refloated. Sadly, tragedy is upon us again—and we are here to remember the fallen from the past and from the recent present.”
Slavonic is responsible for the overall supervision and oversight of manpower and reserve component affairs of the department of the Navy including the development of programs and policy related to active, reserve, retired military personnel, their family members, and the civilian workforce; the tracking of the contractor workforce, and, the oversight of human resources systems within the department.
With the recent deaths fresh in everyone’s mind, Secretary Slavonic addressed a crowd of USS Oklahoma family members, World War II veterans and others, speaking on how the heroes of Pearl Harbor, both past and present, have always showed great resolve in the face of trials. “It’s hard to imagine what that day was like,” he said, referring to the attack on Pearl Harbor, an event that thrust the United States into World War II.
A retired U.S. Navy rear admiral and Oklahoma native, Slavonic enlisted as a signalman, eventually entered the Navy Reserve, and then retired after serving 34 years. He acknowledged the presence of another Sailor and World War II veteran in attendance at the ceremony: Signalman 2nd Class Burke Waldron. “I met a young man who is 96 years young and we have something in common,” Slavonic said, denoting their shared rating of signalman. “It was the bright spot of a difficult day.”
The memorial he stood before contains the names of those lost on the USS Oklahoma with each Sailor and Marine who perished represented by a marble pillar. Slavonic served on the committee that led the effort to build the memorial. He went on to describe how it is a visual representation of Sailors manning the rails, referring to how the erect marble pillars mirror sailors lining the deck of a ship to salute and render honors. “The greatest generation is recognized by this memorial,” he said, gesturing to the pillars.
“The men and women today, in uniform and out,” he said in closing, “embody the proud heritage and fighting spirit of the crew of Oklahoma and those who were determined to make her stand upright again. Their legacy lives on, their story will not die.”

This Christmas, Claire Phillips is leaving the bright lights of Hollywood for a road trip back to her native Oklahoma. The young actress is on her way to spend the holidays with family and friends, and hopefully watch the Oklahoma City Thunder play on New Year’s Eve.
Phillips graduated from Oklahoma City University in 2013 with a degree in Theatre Performance and Music. She headed for the West Coast and landed some lucrative roles in shows like ABC’s “Speechless,” “Fresh off the Boat,” and HBO’s “Togetherness.”
But shortly after moving to Los Angeles, life threw her a curve ball.
“When I was 24, I was diagnosed with breast cancer,” Phillips said. “Luckily it had not spread throughout my body yet. It was aggressive though, and the doctors moved very quickly.”
Phillips said she had no family history, so her diagnosis came as quite a shock.
“Honestly, I had a three-week scare leading up to my diagnosis, and deep down I knew I had cancer,” she said. “Once they started doing the tests, I had this gut feeling something was wrong. So, by the time they told me the results of my biopsy I had already accepted it in a way. I didn’t cry, I was just numb. Two of my best friends held my hand and my parents were on speaker phone when they told me, then I went straight into fight mode.”
She leaned on the resources of the American Cancer Society, and through her doctors at UCLA, Phillips began her journey attacking cancer.
“The American Cancer Society has always been an amazing resource for fighters to help take a small amount of the stress away during their battle,” she said. “Whether it’s a free wig, a ride to treatment, the 24-hour hotline, the research—the American Cancer Society is a valuable partner to have on your side.”
Phillips chose a team of doctors at UCLA, then had a double mastectomy with full reconstruction, followed by chemotherapy.
Today, besides her work on TV and film, she is an advocate for ACS and cancer patients everywhere.
“I was so excited to hear about the beginning phase of Oklahoma’s Hope Lodge,” Phillips said. “Providing those who have limited funds a place to stay free of charge when traveling for treatment will be such an impactful way to give back where it is needed. I was lucky enough to live in a major metropolitan city with some of the best doctors in the country when I was diagnosed, and I didn’t have to travel far from home. But I know that is not always the case for all fighters. I am very happy Oklahoma is providing Hope Lodge as another resource to those who are battling cancer.”
Last October, Phillips passed the five-year mark, and says she feels great.
“My doctors are still staying diligent in my check-ups, scans and bloodwork,” she said. “And we are keeping an eye on my little sister and my mother.
“Life is good,” she added. “I live in Los Angeles with my wonderful boyfriend and new puppy, I have great family, friends and doctors, as well as resources like the American Cancer Society I rely on. So, this Christmas, there’s much to celebrate!”

http://www.cremation-okc.com/

by Greg Schwem

Excuse me, random female, may I borrow your purse?
I will return it momentarily; I just want to know how it feels to carry whatever you want throughout the day and evening without an unsightly protrusion in your back pocket; one that could easily cause your pants to drift south at inopportune moments.
It’s what we men face when we carry a wallet.
I know, ladies, you look at wallets with jealousy. “Imagine,” you say to yourselves, “being able to fit everything in that 5-by-4-inch bi-folded area and then hide it. No need to worry about whether the exterior matches our outfit and which hand feels more comfortable to carry it everywhere we go.”
It’s similar to my wife lamenting that I can be ready for an evening out in the time it takes to run a comb through my hair, while she spends an hour in front of the bathroom mirror surrounded by an army of tubes, brushes and powders.
“Men have it so easy,” she’ll say, while I tap my foot and look at my watch, signaling we are already 15 minutes late.
But when it comes to the purse versus wallet choice, girls, YOU have it easy. You don’t have to prioritize. Need to carry an extra credit card? The purse has room. A secondary form of identification? You could shove a passport into its inner confines, and nobody would know. If I’m asked to show anything other than a driver’s license to the bank teller, the airport security employee or the hotel front desk clerk, I’m screwed.
Internet retailers seem well aware of my dilemma; each year around the holidays, I get bombarded with online ads from companies determined to solve my space issue. This year the winner was the Ridge, makers of a wallet it claims holds up to 12 cards and oodles of bills. The website also touts the most puzzling feature I’ve ever heard: “Expands to remain slim.”
I fail to see how anything can expand yet remain slim. It certainly didn’t happen to my body following Thanksgiving dinner, and I see little hope during the season of Christmas eating.
Still I excitedly forwarded the Ridge link to my wife, telling her I would like it under the tree this Christmas.
“I finished shopping for you months ago,” she replied. “And haven’t you tried these things before? You always go back to a regular wallet.”
She’s right. As I peer in my wallet now, I see 15 cards — three over the “expands to remain slim” Ridge wallet limit — and wonder how I could part with any of them. Sure, I could carry one credit card; but what if it gets declined while I’m Christmas shopping? That has already happened once, but an angry call to my credit card issuer proved the error was theirs, not mine.
My ATM card? It’s a must, for I’m of the generation that occasionally prefers cash, as opposed to whipping out a credit card for a 99-cent cup of coffee. Then there’s my transit card and my health insurance card. Sure, I could forego the latter but what if, while taking the subway, I get mugged and require medical attention? See the dilemma?
Before long, I’ve convinced myself I’m not an ideal candidate for anything other than an old-fashioned wallet that includes plastic sleeves for inserting pictures of children. I’m proud to say all those photos have been moved to my iPhone. Just give me a minute while I feverishly swipe through my photos app to find a decent shot of my kids.
So, women, hand me your purses. Unlike wallets, they come in all shapes, sizes, colors and patterns. I’ll pick one and will spend my time wondering what to carry, as opposed to what not to carry, when I leave the house each morning. I’ll confidently march down the subway stairs knowing I have everything for the ride, including a transit card, my phone and maybe even a hard cover book to pass the time.
Plus, if need be, I’ll have a weapon to swing at a subway mugger.
You’ve enjoyed reading, and laughing at, Greg Schwem’s weekly humor columns in Senior Living News. But did you know Greg is also a nationally touring stand-up comedian? And he loves to make audiences laugh about the joys, and frustrations, of growing older. Watch the clip and, if you’d like Greg to perform at your senior center or senior event, contact him through his website at www.gregschwem.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

Game Warden Nathan Erdman has been promoted to Chief of the Law Enforcement Division. Erdman previously served as Assistant Chief of the division since 2016.
The Law Enforcement Division is responsible for upholding the laws and regulations that protect Oklahoma’s wildlife resources. Game wardens are public servants sworn to protect wildlife and the public’s interests in the outdoors. These certified peace officers have statewide jurisdiction to act on any law violation. They check licenses and bag limits of hunters and anglers. Oftentimes wardens may have to wait, day or night, for long periods in concealed locations to nab the poachers who are stealing fish and game.
As Chief, Erdman oversees the division of about 120 people, the largest of the Department’s five divisions. Employees consist of Game Wardens, Game Warden Supervisors and eight District Chiefs. Headquarters staff includes an Assistant Chief, an Operations Manager and Training Supervisor, and a secretary.
“I’m just lucky I’ve got 117 of the finest employees that I could ever want,” he said. “I’m up here to work for them; trying to make sure that they have everything that they need to get their job done and get it done more efficiently.”
Erdman said he knew early in his life that he wanted to work as a game warden. “I grew up in the country, hunting and fishing.” He recalls asking his college adviser what classes would be required to become a game warden.
Erdman earned a fish and wildlife management degree at Northeastern State University, and was hired as a game warden shortly after he graduated. His first assignment was in Beaver County in the Panhandle, where he spent 13 years. He then transferred to his home Okfuskee County in 2007. A year later, he was promoted to Supervisor in District 4, where he worked until becoming assistant chief in 2016. He has worked for the Wildlife Department for 24 years.
He said becoming Chief has been somewhat surreal. “I grew up in the small town of Okemah, and graduated with 43 kids. To go from small town to being Chief of enforcement for all of Oklahoma’s Game Wardens is something you would never imagine.”
Game wardens must do their job well, as they are constantly in the public eye. They are expected to know all there is to know about hunting, fishing, wildlife laws, wildlife management, camping and other outdoor activities as well as general information about their county.
Game wardens often spend time visiting landowners in their county, encouraging them to allow ethical hunters and anglers on their land to harvest the surplus wildlife. They may assist the landowner with poaching problems or give them information about stocking fish in a pond.
Game wardens frequently help teach hunter education courses and fishing clinics. And they often help operate events for students involved in the Department’s Archery in the Schools and Shooting Sports programs. They occasionally visit with sportsmen’s clubs, schools, Scout groups and civic groups. They may speak about new laws and regulations, or about some topic directly related to hunting or fishing. They may also pass along printed information published by the Wildlife Department.

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

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.