Dear Savvy Senior,

What are some financial factors to consider when retiring abroad? My husband and I will be retiring in a few years and are interested in living in a foreign country that’s cheaper than the U.S.

Frugal Couple

Dear Frugal,

Retiring abroad has become a growing trend for millions of U.S. retirees who are looking to stretch their retirement savings. Here are some tips and resources to consider that can help you prepare.
Researching Tools
For starters, you can find lots of information and articles on the countries and cities you’re interested in retiring to at websites like InternationalLiving.com and EscapeArtist.com.
Another good tip is to talk or network with some expatriates who have already made the move you’re thinking about making. They can give you tips and suggestions on many issues, as well as the advantages and disadvantages and day-to-day reality of living in a particular country. Some popular sites for finding expat resources are ExpatExchange.com and ExpatForum.com.
But before committing to location, most experts recommend that you visit multiple times during different seasons to see whether you can envision yourself living there and not just exploring the place as a tourist. Also, consider these financial factors:
Cost of living: Retiring abroad used to be seen as a surefire way to live beyond your means, and for some countries it still is. But the U.S. dollar isn’t what it used to be, so your money may not stretch as far as you think. See Numbeo.com for a country-by-country cost of living comparison.
Taxes: No matter what foreign country you decide to retire in, as long as you’re a U.S. citizen you must file an annual tax return reporting all income above certain minimums, not matter where it’s earned. For details see the IRS publication 54, “Tax Guide for U.S. Citizens and Resident Aliens Abroad” at IRS.gov/pub/irs-pdf/p54.pdf.
Health care: Most U.S. health insurance companies do not provide coverage outside the U.S., nor does Medicare. Check with the embassy (see USembassy.state.gov) of your destination country to see how you can be covered as a foreign resident. Many countries provide government-sponsored health care that’s inexpensive, accessible and just as good as what you get in the states, or you may want to buy a policy through Medibroker (Medibroker.com) or Bupa Global (BupaGlobal.com).
Also know that most people who retire abroad eventually return to the U.S., so you should consider paying your Medicare Part B premiums. If you drop and resume Part B, or delay initial enrollment, you’ll pay a 10 percent premium penalty for every 12-month period in which you could have been enrolled.
Banking: Opening or maintaining a bank account abroad has become more difficult because of the Foreign Account Tax Compliance Act, a U.S. law designed to prevent Americans from hiding assets abroad. So, you may have to establish a savings and checking account with an institution that has international reach like Citibank. And/or consider maintaining your U.S. bank account that you can access online, and get U.S. credit and debit cards that don’t charge foreign transaction fees.
Rent versus buy: Buying a home in a foreign country can be complicated, so it’s usually cheaper and simpler to rent, unless you know you’re going to live there for a long time.
Social Security: You can receive your monthly Social Security benefits almost anywhere you live around the world (see SSA.gov/international/payments.html). Your benefits can be deposited into your bank account either in the U.S. or in your new home country, but there are some exceptions.
The U.S. State Department offers a handy checklist that can help you think through all the issues on retiring abroad. To access it visit Travel.state.gov and search for “retirement abroad.”
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.

by Mary Waller

In many cultures the tree is a symbol of life, of a fresh start, of good health or a bright future. For these reasons, the tree has become a central figure for Cancer Treatment Centers of America (CTCA) and its 22nd annual Celebrate Life event which honors cancer survivors for their personal triumphs over cancer, five years after first receiving treatment at the Tulsa hospital. To honor these survivors, the hospital plants a tree through the Arbor Day Foundation in their name.
This year, almost 50 cancer celebrants made the trip to Tulsa for event at CTCA in northeastern Oklahoma. The honorees journeyed from all over the country – from Colorado to Florida. Many brought friends with their relatives, surrounding themselves with the caregivers, prayer warriors, best friends, spouses, parents, children and grandchildren who had been with them each step of their treatment and recovery. During the uplifting event, CTCA nurses, doctors, administrators, staff, and of course family, cheered as each name was called and as white doves were released.
Reaching the five-year survival mark is a huge milestone for most patients who have experienced the cancer journey. And not just for the patients and family, but also for the hospital’s team members, especially the nurses. The special celebration is a time for many nurses to see patients once more for who they have cared, counseled, served and often come to know incredibly well.
“We are all always thrilled to share this special and uplifting day in our patients’ lives,” said Tammi Holden, chief nursing officer and vice president of oncology patient services at CTCA in Tulsa on behalf of the staff. “When a patient comes to our hospital, our entire team – from medical oncologists and registered nurses to physical therapists and licensed dietitians – works together with the individual and their caregivers toward the goal of not just surviving, but thriving.
“This event is an important tradition that commemorates their incredible story and every single new day they enjoy,” added Holden. And for every survivor, CTCA commits to planting a tree in their honor.
In addition to returning to Tulsa for the event, the Celebrate Life honorees are given the opportunity to add their names on brass leaves to the “Tree of Life” in the hospital’s entrance. In addition, an Interactive Survivor Tree, which includes a kiosk and large electronic wall screen near the lobby fireplace, allows visitors to select a specific person’s leaf and hear more about their cancer story. After participating in activities such as a group photo opportunity, “Camp Thrive Survivorship Fair,” and a luncheon, many survivors often seek out a beloved nurse, favorite doctor or special staff member for a hug or to introduce them to a family member.
This year CTCA celebrated 27 years in Tulsa serving, caring for, treating and helping patients. Over the years, the hospital has recognized more than 1,500 Celebrate Life five-year survivors and this year added a second “Tree of Life” in the hospital’s gallery to hold all of the honoree’s names.
Holden added, “The forest continues to grow, and that’s a good thing!”

What do you hope the new year has in store for you? Cleveland County Habitat for Humanity

Health, health and more good health. Eileen Checorski

For Habitat I want us to build three houses and complete five mortgages. Tambra Gowin

That I don’t lose my sanity along the way. Susan Pearson

To deepen my relationship with Habitat through raising money to build more homes. Andrea Marler

Jeanne Kleinschmidt, a resident at The Fountains at Canterbury in Oklahoma City, earned a featured space in a national art calendar competition hosted by Watermark Retirement Communities.
The Watermark Expressions art calendar, created by Watermark Retirement Communities which manages The Fountains at Canterbury, is designed to be a source of inspiration for all those who receive it. Pieces of art submitted for the competition included sculpture, needlepoint, oil and watercolor paintings and mixed-media. Each month features a beautiful work of art and a brief background story detailing the artist’s background, personal history, artistic training and inspiration. The calendar is distributed nationwide.
Kleinschmidt’s oil painting, ‘Serenity,’ was selected as one of 12 features for the 2018 Watermark Expressions art calendar out of entries from Watermark communities located coast to coast. The work was inspired by Colorado scenery.
“The annual Watermark Expressions calendar competition is an opportunity to showcase the abundant creativity being cultivated in our community, as well as the many exceptional artists residing at The Fountains at Canterbury,” said Becky Strong, director of community life at The Fountains at Canterbury. “Jeanne is a brilliant artist and we are excited to see her honored with national recognition for her skills and passion.”
The piece was first judged as part of a local competition among residents at The Fountains at Canterbury. Three local experts narrowed down the pieces and sent the five best on to the national competition. Final selections to be featured in the calendar were made at the Watermark Retirement Communities’ national resource center in Tucson, Arizona.
Please call (405) 381-8165 today to receive a 2018 calendar at no cost while supplies last.
The Fountains at Canterbury is dedicated to being the first choice in senior living, providing a continuum of care including independent living, assisted living, memory care, innovative rehabilitation therapies and skilled care. The Fountains at Canterbury is managed by Watermark Retirement Communities and is committed to creating an extraordinary community where people thrive. To learn more, please call (405) 381-8165 or go online to www.watermarkcommunities.com.

story and photos by Betty Thompson

Pawnee – It has been said that a picture is worth a thousand words. The framed photo of young Virginia Norris Rogers sitting horseback, dressed in her boots, jeans, button up and cowboy hat, is no exception. The photo is a mere glimpse of the woman she would become, strongly rooted in agriculture.
“I tell people my outfit never changed, I just buy bigger sizes,” laughs Rogers.
Rogers said she began working on the ranch at a very young age with her father and their long-time ranch hand Albert. She even had a horse before she was born, which she later named “Chicken,” because of his yellow color.
“I was out at the crack of dawn getting cattle in,” Rogers recalled. “We would work until noon or so, and then my dad would go off to auction.”
Her father, Cecil “Whitey” Norris, started trading cattle at the age of 16 and became an auctioneer at age 23. Rogers said he went to an auction just about everyday.
After marrying Avis, Rogers’ mother, in 1933, Cecil bought 160 acres of land and used every opportunity from trading and auctions to buy more land. Together, they built a ranch of nearly 5,000 acres with horses and Hereford cattle.
Rogers is proud to be a fourth-generation farmer in Pawnee County and deeply rooted in agriculture. Family photos and keepsakes fill her walls and shelves, including her parents’ spurs, which hang above the front door. Her grandfather’s brand was the first brand ever registered in the state of Oklahoma and is still used today by her cousin John Henry.
“I think it’s [agriculture] been more fulfilling than shaping,” said Rogers. “It’s hard to describe what’s in your blood. You don’t know anything else.”
Rogers was no stranger to the hardships that ranch life brought: drought, cattle prices, finding reliable help, and more, but her love for ranching never faltered. After marrying her husband Olin, she said “it was just natural” for them to start their own ranching operation, Rogers Ranches, LLC, and have been running the operation ever since.
Rogers and Olin have been married for 42 years and have been running their commercial Angus herd on the farm Olin grew up on since 1986.
“It’s not a lot, but it’s enough to keep us busy,” laughed Rogers.
Busy is an understatement.
Not long after marrying, they bought an insurance agency which they worked while running their cattle operation, and only just sold it in November 2011.
Rogers was also very active in Oklahoma Extension Homemakers, now known as Oklahoma Home and Community Educators, a service designed to provide homemakers with resources similar to the resources farmers receive from the extension service. Rogers served as the county secretary/treasurer under Martha Waters, who was the first woman to be a director of an Oklahoma county extension.
A few years later, she was appointed to serve on the Pawnee County Health Department Board.
Like her father, Rogers and Olin have always been active in the Pawnee County Cattlemen’s Association (PCCA). Olin served as PCCA president in the early 1970s, and Rogers served as president from 2009 to 2011. During Rogers’ time as PCCA president, PCCA became a unified county under the Oklahoma Cattlemen’s Association (OCA). Rogers went on to serve for three years as a district director for the OCA before being elected as the North Central District vice president, putting her on the Executive Board of Directors. She also makes it a priority to be involved in the Oklahoma Cattlewomen’s Association as well.
“It has been very rewarding,” Rogers said. “I love it. Olin and I both enjoy meeting other people and learning about ranches across Oklahoma.”
Rogers was recently appointed to serve as the president of the Pawnee County Economic Development Foundation by the chairman of the Pawnee County Commissioners. The Foundation is actively involved in trying to bring new businesses to the community, and recently awarded a $75,000 grant to the city of Pawnee to refurbish an old building.
In addition to her leadership positions, Rogers writes a column for the local newspaper addressing concerns for farmers and ranchers.
“I just had this wild hair idea one day to start writing about issues in the cattle industry,” Rogers said. “Every now and then I throw in a column about my upbringing, experiences on the ranch as a child, or encourage membership and participation in the OCA.”
If you think she cannot make time for any other commitments, think again.
Rogers also serves as Chairman of the Board for her church, as well as staying busy with four grandchildren and two great-grandchildren.
She attributes this desire to give back to her upbringing.
“I learned early from my family that caring for people was important,” Rogers said. “You have to do what you can for others. I hope to relate to others that agriculture is vital to our state.”
Another important lesson she learned on the ranch is that you can be caring and giving, but also a tough fighter.
Rogers laughed recalling that she woke up to her father saying “Get up boys!” even though it was only her sister and her. Perhaps that oftentimes hard upbringing is what made her so strong when she was diagnosed four years ago with breast cancer.
However, cancer picked the wrong cowgirl. Today, she is cancer-free and proud to be called a survivor.
“I never had a ‘straight path’ in life,” Rogers said, “but I love doing what I am doing now—trying to be one of the best representatives for agriculture I can be.”

by Bobby Anderson, Staff Writer

Linda Ardray worked in health care for more than 30 years.
Approaching retirement after working as an MRI tech, Ardray wondered what she would do with the rest of her life.
She knew she had a lot of free time ahead of her. And she didn’t have any big plans to travel the globe.
Sitting at home all day didn’t seem too appealing either.
“My dad was an accountant and he always said you have to start your own business, that’s the only way you’re going to make it,” she said with a laugh.
So she took a deep long look at where her passions lied.
Turns out they were lying at her feet under the kitchen table.
“My dog is my kid and I wanted to get her really good food,” Ardray said of the beginning of her business plan. “I went online to see what I really needed to look for.”
She went to one of the big box stores for pets. Up and down the aisles she went, eventually leaving without what she was looking for.
“That’s why I thought we needed this in Moore,” she said. “I like that I’m right here and that I’m a little neighborhood store.
That’s how The Dusty Paw was born.
Just east of the Cleveland County Health Department’s Moore location, The Dusty Paw serves pet owners looking to make informed decisions about what they feed their animals.
“Unfortunately, the pet food industry is not very transparent,” she said. “There’s groups out there trying to change legislation on the wording of pet food. Instead of pet food a lot of it is pet feed.
“Once I started this store and really delved into it I thought ‘Oh, my God.’”
She noticed immediate changes from both her dog and her cat when she switched their food to one with purer ingredients.
A reduction in shedding was one of the first benefits.
Ardray has a miniature Australian Shepherd. Now 13, her dog still acts like a pup.
“She just runs circles in the backyard,” Ardray said. “When I changed her over I saw the biggest difference.”
Getting up every morning to go to work and then coming home at night, Ardray discovered that after 30 years she didn’t truly know the community she lived in.
Now, every day is an opportunity to bond with someone new.
“The customers are happy when they come in. The dogs are happy when they come in,” she said. “I’ve made a lot of friends here.”
She opened The Dusty Paw in February 2016, shifting from health care to entrepreneur.
“I had more time when I had a job,” she said, only half joking. “But it’s been fun. It’s been very rewarding.
And some things still remain the same. She’s still taking care of people on a daily basis.
Owning a business has allowed her to express her creative side. Often people come to The Dusty Paw in search of quality pet food but they fall in love with Ardray’s hand-made vests and leashes.
Pets are welcome to browse with their owners and most often leave with either a new treat, toy or article of clothing.
“I want them to know that they can come in here and if I can’t answer their questions about nutrition I’ll find out,” she said. “I have a nutritionist I can call for answers. I just want it to feel welcome here, not just a store.”
Ardray remains active in the community, raising funds for various causes, most of them animal related. In December she’s offering an opportunity for owners to bring their pets for photos with Santa. All proceeds benefit the Moore Animal Shelter.
She has a drop box for Pet Food Pantry, which currently serves over 8,000 lbs of dry food & over 2,500 cans of wet food each month to cats and dogs belonging to the homeless, elderly and veterans in Oklahoma.
The pantry also gets her expired food.
With Blake Shelton playing on the radio in the background, Ardray describes herself as a “wanna-be country girl.”
Her down-to-earth demeanor makes it easy for people to ask for advice. She’s researched the ins and outs of all things pet food related.
She warns customers to make sure they know where their food is sourced from.
“You can put Made in the USA on something and it can still be sourced from overseas,” she said.
You can be sure Ardray knows where everything in her store is coming from.
It’s now her passion in life.

by Traci Chapman
Staff Writer

As Russell-Murray Hospice prepares to commemorate its 30th year in business, those associated with it are celebrating a new home and new levels of care to those who need it most.
“It’s appropriate we are here today, holding our board of directors and annual advisory board meeting, in our new building,” RMH Executive Director – and the organization’s first RN – Vicki Myers said. “It’s peaceful, it’s efficient, it’s just perfect for everything, and if Russell-Murray is here for 30 more years, this building is perfect for us.”
Myers made her remarks during the Nov. 15 annual meeting of the two boards at Russell-Murray’s new home, located at 2001 Park View Drive in El Reno. The new building, recently purchased by the longtime hospice care organization, is more than triple the space of its previous offices, located in historic downtown El Reno, Myers said.
“As we’ve grown, the staff really has had to try to work in a situation that just wasn’t feasible,” she said. “They were just crammed in with each other, and while everyone handled it very well, it just wasn’t working the way we wanted it to.”
That meant when a former medical office building located adjacent to Mercy Hospital El Reno came on the market, the organization jumped at it. The space meant not only plenty of room for a growing staff, but also room to grow and a more prominent location, headquartered not only near the hospital, but also other medical providers. That’s good news for the staff, but also for Russell-Murray’s patients, said Melodie Duff, RN, patient care coordinator. As RMH closes out the year and heads into 2018 – its 30th anniversary – Duff said staff and those associated with its success have a lot to be proud of, including 4,440 patients who have been treated and cared for by the organization’s nurses and caregivers.
“We currently have patients from infants days old to patients over 100,” Duff said. “We serve without care about their ability to pay, and we’re always there for them, no matter what.”
That’s something unique in Oklahoma hospice – and elsewhere – Russell-Murray Clinical Supervisor Missy Ellard said.
“If a patient qualifies and desires hospice care, we do not turn patients away based on their reimbursement status,” she said. “Many hospices, even not for profit hospices, have a ‘quota’ of non-reimbursable patients and will decline patients if they don’t have a payer source – RMH has never done that.”
That assistance totaled about $400,000 last year, Administrator Christina Ketter said. With $3.8 million in revenues and a $2.6 million payroll, Russell-Murray saw a jump in helping those who could not afford it.
“It might be younger people who lost their job and didn’t have insurance and, of course, the seniors who might not have access to Medicare or something like that,” Ketter said. “To me, our charity care, the way we look at our patients and how we treatment them shows what kind of an organization, what kind of people we are.” Russell-Murray’s approach has worked – from its roots as a small El Reno hospice care provider to an organization with offices also located in Kingfisher, Weatherford and Oklahoma City. In October, those sites combined served 118 patients through the work of 25 full-time RNs and LPNs, as well as several per diem PRN nurses, across RMH’s four offices.
“We serve approximately 75-mile radius surrounding each of the four offices,” Myers said. Even before the move, Russell-Murray was working to expand its services, not only to patients, but also their families. In March, the organization celebrated the opening of the Virginia E. Olds Resource Library, coordinated originally by Carol Russell Davis and Evan Davis and Vicky Joyner. When RMH began looking at moving, Carol Davis undertook the transfer of the library’s books to the new site, while Sue Pennington-Unsell is director of bereavement. Named for retired University of Oklahoma School of Social Work professor and longtime Russell-Murray counselor Virginia Olds, the library is unique among hospice organizations, Myers said – and is something that can help not only patients and their families, but also nurses who deal daily with end-of-life care and the emotional toll it can take. “We wanted to accumulate information related to social issues involved in bereavement, emotional and psychological resources, coping with these kinds of illnesses and more,” Myers said. “It’s important to remember that the patient isn’t the only person who suffers through an end-of-life illness – it’s incredibly difficult and stressful for their family, their friends and their caregivers.”
Those caregivers are the backbone of Russell-Murray’s nearly 30-year success, and they make those who work with them proud every day, Duff said.
“I can’t tell you how many thank you cards and calls we get, talking about how our staff treats their patients, and particularly those who can’t afford it,” she said. “We hear all the time that our nurses never judge and are always there to do everything they possibly can do – and that’s an accomplishment in itself.”

The Robert Glenn Rapp Foundation has awarded the Oklahoma Medical Research Foundation a four-year, $400,000 grant.
The grant will help two new scientists establish laboratories at OMRF. In their labs, they will study the cellular processes that lead to cancer, as well as diseases of neurodegenerative conditions such as Alzheimer’s and Parkinson’s diseases.
“Our family is pleased to play a small role in the important work underway in OMRF’s cancer research laboratories,” said Jilene Boghetich, managing trustee of the Rapp Foundation. “Cancer seems to strike almost every family in some way, and our goal is to help OMRF’s scientists discover new methods to detect and treat the disease.”
Founded in 1951, the Rapp Foundation distributes funds to a wide variety of charitable projects throughout the U.S. This new grant to OMRF represents the latest in a long line of gifts that have helped the Oklahoma City-based nonprofit strengthen its scientific infrastructure.
The new funds will help support the recruitment of a pair of new scientists, Wan Hee Yoon, Ph.D., and Jiang Li, Ph.D.
Yoon joins OMRF from the Baylor College of Medicine in Houston, and his research uses fruit flies to understand the processes of cellular decline that lead to diseases such as cancer and Alzheimer’s. Li also studies the basic cellular mechanisms underlying cancer and neurodegeneration, and he comes to OMRF from Northwestern University in Chicago.
The grant will provide funding for the purchase of sophisticated laboratory equipment and supplies for the new researchers. It will also help support salaries of personnel working in their labs.
“It’s hard to imagine OMRF as it is today without the enduring generosity of the Rapp Foundation through the years,” said OMRF Vice President of Development Penny Voss. “They’ve been true friends to OMRF and to medical research in Oklahoma, and they’ve invested in visionary projects that will benefit us all.”