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 Darlene Franklin

God’s love never fails. At all. We can’t climb over, dig under or detour around His love. It fills every crook of the known and the unknown.  (Ephesians 3:19, Romans 8:39, NIV))God’s love never fails. At all. We can’t climb over, dig under or detour around His love. It fills every crook of the known and the unknown.  (Ephesians 3:19, Romans 8:39, NIV))However, our experience with His care works more like a magic trick. Imagine a heaven-sized jug filled with milk-colored love:An empty cup sits next to thefull container of God’s love.God’s no-matter-what love showers creation nature with times, seasons, and beauty. His written word shouts it in glorious prose. We read about babies held in the arms of barren women, of David dancing before the ark on the way to Jerusalem. The Living Word, Jesus, spelled it out in flesh, demonstrating how we should love one another.I feel more like Helen Keller, who lived in a void absent of sight, sound, or speech. She said, “I cried because I had no shoes until I saw a man who had no feet.” I don’t recognize its abundance until I see someone in greater need. We refuse the provided cup but instead use a self-made cone, which fails.God protected the Israelites for forty years. He provided for every need, but they still didn’t believe in His faithfulness When a spring didn’t appear to quench their thirst, they begged for Moses’s help. He fashioned a drinking cup of his own design when he struck the rock with his staff. Because He didn’t speak to the rock as God had instructed, the Lord was greatly displeased. For reasons I confess I don’t completely understand, God denied him entrance into the promised land. My daughter had Borderline Personality Disorder (BPD). I described the experience as traveling through a black hole that ate my flesh and spat out dry bones. BPD couldn’t be healed, but a person with the illness could adapt, survive, and even thrive. Whether we suffer from some form of short-term mental illness, a disorder, or just the highs and lows of life, many people have experienced a dark place. We seek God, begging for His love, and instead it seems like He is hiding. (Isaiah 64:7)Push the magic another step in your imagination: Suppose both the cup and the jug appear empty.Like the milk in the magic trick, God’s love hasn’t disappeared. But sometimes it’s invisible to the human eye. Roman philosopher Seneca pointed out that every new beginning comes from other beginning’s end. Joseph understood that. He became Pharaoh’s second-in-command only after he had been both a slave and a prisoner. Only after I accept the fact that no amount of effort can make my sixty-year-old body do the work of a young adult does the murk that’s been hiding God’s glory wash away. God rubs His hands together. “I’ve been waiting for you to join Me. Let go and watch Me go to work.”Light-bulb inventor Thomas Edison is famous for saying he found 10,000 ways that didn’t work.  Failure to see God’s love doesn’t mean it’s not there.Back to the full jug and empty cup.Milk is poured into the glass so that milk appears in both the jug and the cup.Ebenezer Scrooge’s cup was worse than empty. Generations have celebrated the transformation of the king of “bah humbug” to the man who vowed to honor Christmas in his heart.During my Bible college years, I wrote a term paper on God’s love. I had no idea how necessary the verses, theories and patterns I uncovered would be throughout my life.My cup has appeared empty many times. * Studied piano for twelve years before being told I wasn’t good enough. * Married for life-divorced after twelve years.* Trained for missionary service-kicked out of two churches.I thought I reached rock bottom when my son was taken from the home as a teenager. Instead, God’s love pulsed within that my frozen core and kept me going when I felt hopeless. Those years trained me for my daughter’s death. I felt numb, but not unloved. Love poured over me through the gifts of countless friends from around the world. When I couldn’t see God’s care in my drinking cup, He kept me alive and healed me.The promise is no illusion. God’s love is real, and it will never fail.Even if it took me 10,000 tries for me to see His brilliance.

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.

The Stacie Daniel Success Story

Hunting is Stacie Daniel’s passion. She loves being outdoors surrounded by nature, the thrill of the hunt and truly living off the land. But Stacie was born with cystic fibrosis, a disease that not only threatened to end to her hunting days – but also her life.
“I remember my mom being in tears when I was diagnosed at six years old,” says Daniel. “They told her to love me while she could and pretty much wrap me in a bubble because the life expectancy at that time for someone with CF was 10 to 12 years.”
As a child, Stacie’s issues were mainly digestive. She didn’t start experiencing lung problems until she was a teenager. That’s when her disease started to progress. By the time she was 25, her lungs were only functioning at 30 percent capacity.
“I would get up every morning and start coughing,” remembers Daniel. “I’d have coughing fits that would last 45 minutes to an hour. If I got excited or laughed, or anything really, I would start coughing. It was miserable.”
Despite her deteriorating condition, Stacie did her best to live life to the fullest. She would try to go hunting as often as she could. “I wanted to enjoy life. I wanted to go out and have fun. I wanted to hunt and fish and be active and travel and see things. So I did.”
“Today, people with my disease are living well into their 30s,” adds Daniel. “Growing up with cystic fibrosis you know it’s coming – eventually. You just hope it’s later than sooner.”
At 29, Daniel was listed on the transplant list. She would wait nine months before getting ‘the call.’ “When you get the call, its earth shattering. It’s an answered prayer, it really is. But at the same time you know another family is now grieving. That part is hard to take.”
In August 2017, Daniel received a double lung transplant at the Nazih Zuhdi Transplant Institute at INTEGRIS Baptist Medical Center. Doctors say her new set of lungs is as close to a perfect match as possible. “Stacie is an ideal patient. Complaint and full of drive and dreams,” says Mark Rolfe, M.D. “She is the kind of patient that every transplant pulmonologist loves because she is so easy to take care of and takes advantage of the transplant to live life to its fullest.”
“I’m able to walk as long as my little legs will carry me, I don’t cough anymore and I can actually breathe. My energy is back and I feel great,” she declares. “But the best part is, I can hunt as much as I want to. In fact, I was out there opening morning of hunting season this year, which is amazing to me considering that it was only five weeks after my surgery.” Daniel shot a 9-point deer on the three month anniversary of her transplant.
In November, Stacie celebrated her 31st birthday … and thanks to the miracle of transplantation she no longer fears the inevitable. “I am not cured, I will always have CF and the sinus and digestive issues that go along with it. But the disease cannot get into my new lungs and it’s the respiratory issues that are the most fatal. So my prognosis is great and because of my donor and the generosity of his or her family, I truly have been given a second chance at life.”
Daniel hasn’t been in contact with them yet, but would like to someday. In the meantime, she will continue to share her story in hopes of saving even more lives. “In the last moments of your life, the best thing you can give is life. Check the little green box on your driver’s license and become an organ donor.”

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!”

SYNERGY HomeCare provides hope and help to seniors and their families

by Traci Chapman

Kassem always knew she had a calling to serve – it was a calling that became a beacon of light for seniors and their families who needed help.
“Caring for people and providing hospitality are my natural passions, and part of my culture is to care for seniors,” Kassem said.
Kassem’s passion lit the beacon that became SYNERGY HomeCare, a flame that began to burn in 2011.
It was in 2011 Kassem graduated with an MBA from University of Central Oklahoma. That graduation marked a turning point for her – Kassem said she saw a void when it came to compassionate senior care and was determined to do something about it.
Kassem had a unique approach – fusing her drive to care for people with her love for hospitality, she did extensive research on senior care franchises. When she found SYNERGY, Kassem knew exactly where she was meant to be, she said.
“My heart just connected with the mission and values of SYNERGY HomeCare,” she said.
Kassem’s philosophy quickly took hold, spurring growth for the local franchise. Today, Kassem’s SYNERGY operation includes two offices – the original in Edmond and a second location, opened in December 2016 in Norman – employing 10 staff members and more than 100 caregivers. The company has a 5-mile service area and also provides referrals to clients in other locales, Kassem said.
“Although the metro area is geographically widespread, the small-town culture naturally evolved into relationships extending southward down the Interstae-35 corridor, allowing SYNERGY to begin penetrating the Moore/Norman market,” Kassem said.
While about five percent of Kassem’s caregivers provide live-in care, most do not, offering services to clients that take anywhere from an hour and up to 24 hours, at any given time, she said. Those caregivers tend to a myriad of needs, from the most personal – like bathing and dressing, feeding, dealing with incontinence and other issues – to companionship, coordinating outside appointments and services, meal planning and preparation, transportation, light housekeeping and running errands.
Those, of course, are necessities and things seniors need assistance with every day. But, there is so much more to it – and, that’s where post-hospitalization care comes in, Kassem said.
“It’s difficult for anyone to come home after a hospital stay, but for seniors it can be much more challenging – they might suffer from memory loss, their health depends on remembering and following hospital discharge instructions, keeping follow-up doctor’s appointments and other matters,” she said. “They also face trying to take care of day-to-day tasks while they’re recuperating.”
According to the Agency for Healthcare Research and Quality, almost a quarter of seniors hospitalized are readmitted within 30 days of discharge, many times for conditions unrelated to the initial illness or injury. That’s one reason why SYNERGY moves beyond daily assistance, with coworkers providing medical and emotional issue care, including care management, recovery assistance, difficult behavior management and more. Caregivers provide help, and hope, not only to senior clients, but may also provide relief for family members who need respite from taking care of a loved one, Kassem said. It’s assistance that can mean all the difference to everyone involved, she said.
All Kassem SYNERGY caregivers are employees, not contract labor – something somewhat unusual in the senior home care industry, and management is always a phone call away, including on-staff supervising registered nurses, she said. Care assessments are always provided on a complimentary basis, Kassem said.
Veterans are an integral part of SYNERGY’s mission – in fact, she said the organization is one of the largest veteran home care providers in the state.
“Veterans call us directly, and we can even help get them through the paperwork process,” Kassem said. “At times we work with the VA Center in Norman and with the Dale K. Graham Foundation in Norman.”
As SYNERGY continues to grow, Kassem said she hopes to provide even more services, including expanding a program started in 2017 – Dine & Discuss, an event hosted at SYNERGY’s Edmond location, which also served as an Alzheimer’s Association fundraiser.
“We partnered with the Alzheimer’s Association, where we provided complimentary dinner and two free hours of respite care while the topic was discussed,” she said. “The topics change each month, and the speaker also varies – we hope to create the same opportunity to the public going into 2018, but working towards creating a calendar of speakers further in advance and promoting it more so the word is spread.”

More information is available by calling or reviewing SYNERGY HomeCare’s websites, both for its Edmond and Norman locations:
SYNERGY HomeCare Edmond
13720 N Bryant Ave
Edmond, Oklahoma 73013
405-254-3046
www.synergyhomecareedmond.com
SYNERGY HomeCareNorman
1272 N Interstate Drive
Norman, Oklahoma 73072
405-701-0791
www.synergyhomecarenorman.com

by Traci Chapman
Staff Writer

For Karen McKeever, nursing is about helping the most vulnerable, those who might struggle with getting the help they need.
It’s a philosophy that’s led her to treat thousands of patients and help spearhead an ever-expanding effort to lead patients having difficulty finding their to way discover the right path.
“It just seemed like the people who might need help the most are often overlooked – it’s the people without insurance or who are struggling not only with physical issues, but also mental health challenges,” McKeever said. “They need someone who can be there for them in their corner, to let them know they’re not facing this all alone.”
That kind of nurturing spirit comes easy to McKeever, a mother of six who now has nine grandchildren – and a nurse who worked in pediatrics and as a Yukon Public Schools nurse, concentrating on severely disabled students. Looking out not only for the young, but also the disabled and those who might not have an advocate became McKeever’s life work, a passion that led to an organization aimed at doing just that.
It was originally Canadian County Health Access Network, started in 2011 by McKeever and fellow nurse Rosemary Klepper.
“So many Sooner Care patients don’t know where to go or how to best address their health issues – you see many going to the emergency room when there are better avenues available, and you find families that are dealing with problems that go far beyond basic health or physical disease or distress,” McKeever said.
“There was just a huge gap in service, a real need for these patients and for their families, who were not being taken care of or served,” she said. “We knew how important it was for them to have someone they could turn to – as nurses, we needed to be there not only to treat them but to guide them and help with whatever challenges they were facing.”
It wasn’t long, however, before McKeever and Klepper’s philosophy caught on, and patients beyond El Reno, Yukon, Mustang and other area communities began to ask for assistance. That’s why CC-HAN’s “CC” soon transitioned from Canadian County to , Central Communities, with co-founder and care manager McKeever and fellow care manager Rhonda Chronister now available to SoonerCare patients and their families across south central Oklahoma, working to improve their health and healthcare options and much more.
“Rosemary (Klepper) decided it was time to retire, to explore other things, but my heart is here, I didn’t want to walk away,” McKeever said. “That’s when Rhonda came onboard, and it’s been a great arrangement.”
For her part, Chronister said she views McKeever not only as a co-worker, fellow care manager and nurse, but also as a mentor who has spurred on Chronister’s own love of nursing and helping patients far beyond regular nursing duties.
“Karen is an amazing person and an amazing nurse, and it’s a remarkable opportunity to work with her and learn from her,” Chronister said. “Her capacity for love and how she gives of herself is inspirational to everyone who knows her, particularly the people we serve.”
McKeever has always envisioned something bigger for CC-HAN, which led to the agency helping patients not only locate the right caregiver and treatment, but also issues that might aggravate physical ailments. That’s why CC-HAN provides care management to patients not only facing financial constraints that can limit their ability to get the medical treatment they might need, but also those who deal with complex health issues, as well as providing a proactive approach – guiding patients to the right resources for well child examinations and care, injury and accident prevention, diet and nutrition and accessible medical and dental care.
“What the patient might need at any particular moment might not be ‘nursing’ services, but rather they might not have gas money to get to an appointment or they might not have any food in the cupboards – and that disrupts the treatment they need,” McKeever said. “That’s the bottom line – making sure they are healthy and able to live their lives and do what they need to do, because someone who’s dealing with a mental health issue can have a ripple effect on their entire family, and that family might need guidance in how to help and to make sure it doesn’t negatively impact others, either mentally or physically.”
It’s a philosophy that’s not only challenging and fulfilling, but also always interesting, McKeever said. She never knows what she might face in any given day – whether it will be assisting patients with medical care options, educating families about CC-HAN’s resources or even delivering food to someone who is hungry and doesn’t know where to turn.
“What we do is everything that’s the best of nursing – helping people who truly need it and giving that care, that guidance – as a nurse, it’s so fulfilling and inspirational, and to me it’s what our profession is all about,” McKeever said. “To me, if you’re a nurse, you’re always a nurse – it’s not something you do, it’s something you are.”
For more information about Central Communities Health Access Network, its services or philosophy, look online at www.cc-han.com.

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.”

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