Dear Savvy Senior,

Can you provide some tips on how to choose a good estate sale company who can sell all the leftover items in my mother’s house? Inquiring Daughter

Dear Inquiring,
The estate sale business has become a huge industry over the past decade. There are roughly 22,000 estate sale companies that currently operate in the U.S., up nearly 60 percent from just 10 years ago. But not all estate sale companies are alike.
Unlike appraisal, auction and real estate companies, estate sale operators are largely unregulated, with no licensing or standard educational requirements. That leaves the door open for inexperienced, unethical or even illegal operators. Therefore, it’s up to you to decipher a good reputable company from a bad one. Here are some tips to help you choose.
Make a list: Start by asking friends, your real estate agent or attorney for recommendations. You can also search online. Websites like EstateSales.net and EstateSales.org let you find estate sale companies in your area.
Check their reviews: After you find a few companies, check them out on the Better Business Bureau (BBB.org), Angie’s List (AngiesList.com), Yelp (Yelp.com) and other online review sites to eliminate ones with legitimately negative reviews.
Call some companies: Once you identify some estate sale companies, select a few to interview over the phone. Ask them how long they’ve been in business and how many estate sales they conduct each month. Also find out about their staff, the services they provide, if they are insured and bonded and if they charge a flat fee or commission. The national average commission for an estate sale is around 35 percent, but commissions vary by city and region.
You may also want to ask them about visiting their next sale to get a better feel for how they operate. And be sure to get a list of references of their past clients and call them.
Schedule appointments: Set up two or three face-to-face interviews with the companies you felt provided you with satisfactory answers during the phone interviews.
During their visit, show the estate liquidator through the property. Point out any items that will not be included in the sale, and if you have any items where price is a concern, discuss it with them at that time. Many estate companies will give you a quote, after a quick walk through the home.
You also need to ask about their pricing (how do they research prices and is every item priced), how they track what items sell for, what credit cards do they accept, and how and where will they promote and market your sale. EstateSales.net is a leading site used to advertise sales, so check advertising approaches there.
Additionally, ask how many days will it take them to set up for the sale, how long will the sale last, and will they take care of getting any necessary permits to have the sale.
You also need to find out how and when you will be paid, and what types of services they provide when the sale is over. Will they clean up the house and dispose of the unsold items, and is there’s an extra charge for that? Also, make sure you get a copy of their contract and review it carefully before you sign it.
For more information on choosing an estate sale company, see National Estate Sales Association online guide at NESA-USA.com, and click on “Consumer Education” then on “Find the Right Company.”
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.

Brightmusic Chamber Ensemble presents fine classical music in an intimate, family-friendly setting. All concerts will take place at 7:30 pm on Tuesday evenings at the beautiful and historic St. Paul’s Cathedral in downtown Oklahoma City at 127 NW 7th Street (at Robinson). Bright Music website, www.brightmusic.org, contains more detailed information about this concert, including the musicians who will be appearing. Season passes are available online, and individual tickets are available at the door for $20. Admission is free for children and students with student ID and for active-duty military service personnel with ID.
“Reeds-A-Plenty”
Experience the Richness
Tuesday, March 19, 2019, 7:30 pm at St. Paul’s Cathedral, 127 NW 7th Street (at Robinson).
Experience the exquisite richness of woodwinds as the Brightmusic Chamber Ensemble presents a diverse sampling of 18th- through 20th-century works for reeds in its fourth concert of the 2018-19 season Tuesday evening, March 19, 2019. On the program are worthy works by Saint-Saëns and Glinka, as well as three of the worthiest French composers and a Czech you’ve probably never heard of. This is a rare opportunity to hear these delightful but less frequently performed works, some by composers who are best known for their compositions for the wind ensemble. Plenty of charm! Plenty of delight! Plenty of reeds!
The works on the program are:
Francois Devienne, Trio No. 5 in B-flat Major (for flute, clarinet & bassoon), Mikhail Glinka, Trio Pathétique in D Minor (for clarinet, bassoon & piano), Florent Schmitt, A Tour d’Anches (“Reeds in Turn”) (for oboe, clarinet, bassoon & piano), Clemence de Grandval, Trio de Salon, op. 8 (for oboe, bassoon & piano), Lukasš Hurnik, Fusion Music for Oboe, Clarinet, Bassoon & Piano, and Camille Saint-Saens, Caprice on Danish and Russian Airs (for flute, oboe, clarinet & piano).
Musicians appearing:
Parthena Owens, Flute, Lisa Harvey-Reed, Oboe, Chad Burrow, Clarinet, Rodney Ackmann, Bassoon , Ruirui Ouyang, Piano and Sallie Pollack on the Piano.
The performance will take place at St. Paul’s Cathedral, 127 NW 7th Street (at Robinson). Individual concert admission is $20 per ticket. Children, students and active-duty military personnel are admitted free with ID. More information about this concert is available on Brightmusic’s website at http://www.brightmusic.org.

As new state leaders are sworn in today, John D. Doak reflects on his eight years as Oklahoma’s insurance commissioner. Doak was elected the state’s 12th insurance commissioner in 2010 and was re-elected for a second term in 2014.
“I’m honored that Oklahomans chose to elect me to represent them, both in terms of insurance company solvency and ensuring fair claims handling,” Doak said. “I’ve been privileged to witness the courage and resilience of Oklahomans in the face of difficult natural disasters. It’s also been a pleasure to work with our state Legislature and governor and to travel to every one of Oklahoma’s 77 counties, meeting and working with the people who live there.”
During his tenure, Doak has tirelessly worked to raise awareness of the Oklahoma Insurance Department (OID) and how it can help Oklahomans. He started a field representative program to reach every corner of the state. He also made it a mission to have boots on the ground as soon as possible after a disaster. Many times Doak himself would visit with storm victims to reassure them that his office was there to help, if needed.
Another issue Doak worked on during his time in office was lowering the rate of uninsured motorists. Oklahoma has one of the highest rates in the country. Just a few months ago, the OID announced it would host the Auto Insurance Verification System which allows law enforcement to verify a driver has insurance in real time.
“One of my proudest accomplishments is that, as I leave the OID, it is now being recognized as a global leader in insurance regulatory issues,” Doak said.
Doak’s recognition that government must be ready to accept new and innovative ideas and products has helped frame that thinking. His belief that the OID should not only to protect consumers but allow the free market process to bring new quality products to consumers is recognized by many leaders worldwide.
More of Doak’s accomplishments include:
*Recovering $27,675,828 for Oklahomans since 2011
*The passage of House Bill 2308 which allows the OID to construct and own an office building
*OID employees earning more than 160 professional designations
*Co-hosting the National Tornado Summit since 2011
*The passage of the Insurance Business Transfer law
*Developing an earthquake education requirement for insurance professionals
*Testifying before a U.S. Senate sub-committee about insurance fraud
*Helping launch the University of Tulsa Cyber District
“I wish the best to the new leaders of our state, Gov. Kevin Stitt, Lt. Gov. Matt Pinnell and Insurance Commissioner Glen Mulready,” Doak said. “Commissioner Mulready has already proven that he is a dedicated public servant with expertise in the insurance industry, and he will continue that tradition in this new role.”

WESTVILLE – A number of years ago, Terry and Pam Lamb began sharing a mustard recipe with friends and family. Now, they’ve created a business out of it.
“After being asked to bottle our lemon dill mustard so friends and family could share it with others, we decided to look into making it a business,” Terry Lamb said. “We had no experience in producing a food product. We looked to our local SCORE office for assistance. They suggested we market more than one product. We started playing with flavors and came up with over 10 we felt would be marketable and decided to start marketing three.”
Partnering with Pam’s mother, Vienna Willard, the Lambs converted their shop into a commercial kitchen. After approval from the Oklahoma State Department of Health, Tajour Specialty Products was ready for production.
“We currently manufacture three flavors of mustard,” Terry Lamb said. “Our flavors include lemon dill mustard, rosemary garlic mustard and cranberry orange mustard. We have a number of other flavors developed with the intention of introducing more flavors as our company grows.”
The Lambs chose to incorporate a Hand Up Program, in which they donate 2 percent of every sale to go into an account to help people in their community build local businesses and fight food insecurity.
“We also try to make our products versatile,” he said. “Our mustards can be spread on a cracker with cheese or used on a sandwich. They can also be used as an ingredient in recipes. Our favorite is to make a dressing out of our cranberry orange mustard by mixing it with equal amounts of honey and using it on a salad or as dip. Making deviled eggs using any of our mustards runs a close second.”
Lamb said the goal is to create flavorful, healthy products without added sugar, salt or fat. Tajour Specialty Products was established in November 2017 and started sales in December 2018. The owner is a member of the Cherokee Nation. Tajour Specialty Products recently joined the Made in Oklahoma Program. To learn more about the business, visit www.tajoursp.com, www.madeinoklahoma.net/products/tajour-specialty-products-llc/ or find them on Facebook.

by Major Lesley Norman, Risk Reduction Officer, Oklahoma City Fire Department

At the beginning of the year, we set goals to make positive improvements in your lives. Most people never consider improving safety around their residents. The Oklahoma City Fire Department (OKCFD) has a few safety suggestions for 2019. Ensure the following safety recommendations are completed to provide a safer year for you and your family at home.
Smoke alarms should be installed inside each bedroom/sleeping area and one outside those areas. Smoke alarms should also be installed on every level of the home including basements. The Oklahoma City Fire Department “Project Life” smoke alarm program allows Firefighters to install smoke alarms at no charge for qualifying residents of Oklahoma City. Contact 405-316-2337, www.smokealarmsokc.com or www.Gratisalarmasokc.com to request smoke alarms. Residents outside of Oklahoma City can contact your local fire department or Red Cross. The hearing impaired can contact the Oklahoma Assistive Technology Foundation (OkAT), 888-885-5588 or email [email protected]. OkAT will install smoke alarms with strobe lights and bed shaker for qualifying Oklahoma residents. Apply at www.okabletech.okstate.edu.
Carbon Monoxide alarms should be installed in a central location outside each sleeping area and on every level of the home according to the National Fire Protection Association (NFPA). Carbon Monoxide (CO) is an odorless, colorless, poisonous gas created from incomplete combustion of natural gas, propane, methane or gasoline. Running vehicles and generators also produce CO. Make sure gas appliances are professionally serviced every year to avoid possible CO leaks inside your home.
Fire extinguishers should be located in a kitchen, garage or both, ready to extinguish small fires. If there are smokers in the home, consider additional locations. Small “ABC” extinguishers can be purchased from the local department store and are disposable. Review the manufacturers’ recommendation for a disposal date. Always call 911 or have someone call 911 before extinguishing a fire. When using the extinguisher apply the PASS method for extinguishment, stand six to eight feet from the fire. P – pull the pin, A – aim low at the base of the fire, S – squeeze the lever slowly, S – sweep from side to side. An OKCFD training video is available at https://www.youtube.com/watch?v=w_ZYolzwMX4 or follow instructions provided with the extinguisher.
Fire drills should be practiced monthly while testing your smoke alarm. The OKCFD has a program called “EDITH,” Exit Drills In The Home. The EDITH program’s purpose is to inspire residents to develop an exit plan for their home. The exit plan should include two ways out of every bedroom, a meeting place outside the home, and practicing the fire drill. Practice your exit plan around your mobility and the plan should be shared with everyone sleeping in your home.
Fall prevention measures should include installing grab bars inside your home if you or other family members have a fall risk. Suggested location for grab bars is near toilets and bathtubs. Make sure you have a clear path to the restroom from your sleeping area. Use your walking aid or lift chair on those days you feel weaker than normal. Speak with your physician if your strength starts to fade. Begin this year making fire and fall safety improvements a priority in your life.
* According to the National Fire Protection Association (NFPA), “3 out of 5 fire deaths happen in homes with no smoke alarms or the alarms are not working.”
Additional fire safety information is available at www.nfpa.org/Public-Education.

WALK BY FAITH, By Lisa Sydnor

Volunteers are the life-blood of non-profits. They may serve as board or advisory council members, in janitorial or maintenance positions, clerical, fundraisin, communications or as stockers in a food pantry. In other words, any position within the organization. On April 19, 2018, the Independent Sector, in partnership with IMPLAN, announced that the latest value of a volunteer hour is $25.69 – up 2.2% from 2017. That figure, estimated from data collected in 2017, shows the incredible contributions volunteers make to our communities and our country. Currently, 63 million Americans volunteer about 8 billion hours of their time and talent to improve people’s lives and the natural world. With the new value of volunteer time, these Americans are contributing approximately $197.5 billion to our nation.
When someone says, “I am JUST as volunteer”, they are truly missing the significant impact they have on the nonprofit world.
RSVP – Retired and Senior Volunteer Program – has served Oklahoma County since 1973. In 2017, 130 nonprofits in Oklahoma County were the beneficiaries of 136,700 service hours from 707 volunteers; a financial impact of $2.9 million.
Beth Patterson, Executive Director of RSVP of Central Oklahoma, said that the need for more volunteers is critical to help local nonprofits meet their missions and the needs of their clients. RSVP recruits and trains senior volunteers for agencies, such as; American Red Cross, Ronald McDonald House, Project 66 in Edmond, City Care’s Whiz Kids (tutoring), Upward Transitions Travelers Aid at Will Rogers World Airport, and RSVP Provide-A-Ride.
In 1994, RSVP started Provide-A-Ride, a service providing low-income seniors free transportation to medical appointments. RSVP volunteer drivers, age 55 and older, utilize their own vehicles, choose their own schedules, select the geographic areas they want to serve, receive free supplemental accident and liability insurance, and mileage reimbursement. In 2017, 85 volunteer drivers provided 7,476 rides or 261,660 miles driven to medical appointments for 367 seniors.
Provide-A-Ride participants must be 60+ and schedule rides in advance. Maintaining their independence and dignity, being self-sufficient, keeping medical appointments and becoming friends with the drivers are a few of the benefits participants receive through the program. For the drivers, knowing that they performed a much needed and valued service for someone, ensuring that they get their prescriptions filled and alleviating often burdensome transportation costs is what it is all about.
This program is so successful because of the people; that personal touch. One example is RSVP volunteer driver Pat Nebgen, “I do this to give added meaning to my life; to give back; to share my day with someone. The smiles, hugs and lively conversations are added benefits.” Pat began volunteering at RSVP after the death of his wife of 47 years. And, because of Don Blanding, who began volunteering in January 2017; “I enjoy driving and love that I can help seniors live more independently. I greatly enjoy being a part of RSVP. The elderly seniors that we serve are truly dependent on someone else for transportation to their medical appointments. They are always so appreciative of the help they receive. It makes me feel good to see how thankful they are.”
Some participants have shared their thoughts and appreciation:
· Provide-A-Ride volunteers are angels on wheels. Thank you for your kindness in my time of need. Angie G.
· The volunteer drivers are so friendly and courteous. I feel like I’ve made new friends. Now I look forward to my appointments because of them. Mildred M.
· RSVP Provide-A-Ride has made all the difference in ensuring I get the proper care my doctors want me to have. Jerri B.
· I am 91 and have macular degeneration so I can’t drive anymore. Provide-A-Ride volunteer drivers are my eyes on the road now, and I am so grateful. Ida Jean K.
· Provide-A-Ride is a bright cheery ride for those of us who are not able to drive anymore. Nan G.
· I don’t know what I would do for rides to my doctors without Provide-A-Ride. Loretta A.
· If I didn’t have Provide-A-Ride I wouldn’t be able to go to my medical appointments. Deborah M.
· I’ve lost my husband and children, and I don’t have family close enough to help me. Bless you for caring for us! Billie B.
If you are struggling with having reliable and affordable transportation to medical appointments, call RSVP to learn of your options. If you are looking for an avenue by which to give back to the community, what better way than to provide reliable, free transportation for fellow seniors. This is truly a win/win situation and the bonus is making new friends.
RSVP will recognize approximately 300 volunteers at the Annual Volunteer Recognition Luncheon on April 17, 2019, at the Oklahoma State Fairgrounds Bennett Event Center. Sponsorships are available. To learn more about becoming a Provide-A-Ride participant, find out more about local volunteer opportunities with RSVP, or become a sponsor for the volunteer recognition, call 405-605-3106 or email [email protected].
RSVP is a part of the Corporation for National Service and a United Way of Central Oklahoma partner agency.

By Darlene Franklin

“Why should I be afraid?” Israel’s greatest warrior king, David, asked in Psalm 27.
These past few months, I could have given him a few reasons from the “disease that stalks you in darkness” (Psalm 91:6, NLT) category. It started with a pulmonary embolism that could have taken my life and progressed to a succession of less threatening but still uncomfortable and debilitating ailments, most recently the need for cataract surgery.
Given my propensity to anxiety, I decided to proactively arm myself with encouragements not to give in to fear. When I opened my Bible, I discovered that every time it tells me to not be afraid, it also gives a reason.
If often also gives additional instruments. “Just” do this instead. As I adjust my attitude, my fear level drops.
“Just stand still and watch the Lord rescue you today.” (Exodus 14:13 NLT bold face mine and also in the paragraphs below)
In the words of the Desiderata by Max Ehrmann, “No doubt the universe is unfolding exactly as it should.” Given time, most issues will resolve themselves.
Yes, there are times I’m supposed to get to work or even go on the offensive. But I start by standing still. I’m not in control, and why do I want to be? God is so much more powerful than I am on every level.
“The Lord himself will fight for you. Just stay calm.” (Exodus 14:14 NLT) The phrase “stay calm” follows on the heels of “standing still” in the Bible, suggests the two work hand in hand. “Stand” involves physical action, to maintain an upright position while on one’s feet, without wavering. In this case, “stay” works more like “to be.” I can stand still because I am calm.
“Still” implies calm. I am undisturbed by outside forces, not showing or even feeling strong emotion, e.g., fear.
“Just open your eyes and see how the wicked are punished.” (Psalm 91:8 NLT.)
Take a look at the larger picture. When the doctor told me, I had blood clots in my lungs—not one but two—I was unaware that that I had already passed the first test to survival. I hadn’t died in a heart attack as soon as they developed.
Recently, I spent eight hours in emergency room because of chest pain which turned out to be nothing worse than gastric difficulties. Over the long hours I spent watching the ER fill, empty, and fill again with new patients, I opened my eyes to those in much worse shape than me. I could afford to wait while newborn babies sick from pneumonia cried feebly and accident victims hovered on the brink of life and death.
“Just remember what the Lord your God did.” (Deuteronomy 7:18-21 NLT)
Remember the past. Was I frightened the last time I went through a similar experience? When the doctor warned me that the surgery was very serious, implying “and you could die.” Of course! I was afraid, but at peace—and I survived.
The more often something like that happens, the easier it becomes to remember God’s in control. Whether I live or die, I can trust him. The heart and mind connect what I’m learning from my Bible study and what’s happening in my life more clearly. Past experience increases my confidence that God has a purpose behind the current trial that’s tempting me to fear.
“Just have faith.” (Mark 5:36 NLT)
This guideline feels obvious—except the person who was told to have faith had every reason to doubt. Jairus, a leader in his synagogue, had come to Jesus when his daughter was deathly ill. Before they reached the house, he received word that his child had died.
Jesus’ response to the news? “Just have faith.” Minutes later He raised the girl from the dead. But if I had been Jairus in that moment, I would have felt like screaming, “I had faith. I came to you.” Undercurrent: You failed me.
Jesus encouraged Jairus to continue in the same faith he’d started out with. To trust God even in his bleakest moment. And sometimes I’ll be called on to trust in the face of massive disappointment, impossibility, and personal pain.
The next time fear comes knocking at the door, let’s remember these five principles so we can face those challenges with courage. God is on our side, and He’s always more powerful than what’s happening.

Glioblastoma is an aggressive form of brain cancer with no cure. Even with surgery and chemotherapy, patients typically live only 12-18 months after diagnosis.
But a new discovery from Oklahoma Medical Research Foundation scientist Rheal Towner, Ph.D., offers new hope in fighting this deadly cancer, which claimed the lives of Sens. John McCain and Ted Kennedy.
In pre-clinical experiments at OMRF, Towner discovered that a protein called ELTD1 is present in the most aggressive glioblastoma tumors. Towner then tested how the tumors would react to an antibody known to counteract the effects of ELTD1.
He found that the compound slowed the process of angiogenesis, the growth of new blood vessels, which is key to tumors’ ability to spread and kill.
“This drug seems just as promising, if not better than, what is currently considered the standard of care,” said Towner. “Few therapies exist for treating glioblastoma, but this could provide a step in the right direction.”
If proven effective in further trials, said Towner, “This could provide overall treatment with fewer side effects and better results than we see in current drugs.”
The new findings were published in the journal NeuroOncology.
Towner will continue to look for ways to use the new treatment in combination with other drugs to boost their effectiveness and better target tumors.
“One problem with drug treatments for tumors is that it’s hard to get the drug to the tumor site,” he said. “If we can regulate that process with targeting ELTD1, we might be able to use it to deliver other drugs directly to the tumor and, hopefully, eliminate it.”
If researchers succeed with this tumor-targeting method, Towner said they will begin testing it on other tumors associated with breast, pancreatic or other cancers.
Funding for this research was provided by National Institute of General Medical Sciences, grant number 5P20GM103636-02, and Institutional Development Award (IDeA) from the NIGMS, grant number 5P20GM103639. The NIGMS is part of the National Institutes of Health.