Sunday, November 30, 2025

If you could get away to anywhere in the world for a Spring Break where would it be? NRHS Auxiliary – Tealridge Retirement Community

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Hawaii and just enjoy the atmosphere. Janice Hanna

I was going to say Hawaii, too. Just lay on a beach and stare at the sky. Melanie Wright

Probably Ireland because I’ve never been. Janet Gatlin

The Carolina Coast. Lots of beach and lots of food. Connie Bailey

 

Digital Publishing Enables Senior Writers

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Barbara Lewis guides a couple through the process of selecting and training their service dog.
An adjunct U.S. history teacher at OSU-OKC, Floyd takes a special interest in helping authors of historical manuscripts see their works in book format.

Seniors Can Treat Life Experiences in Book Format

Story and photos by Darl DeVault

After decades of work and life experience, many seniors and retirees have the concept of writing a worthwhile book in their heads. But the challenge of finding a traditional publisher willing to accept their book idea as viable usually discourages many of these would-be authors.
Their struggle is understandable. Traditional publishers make their decision to publish based on whether the proposed manuscript can be turned into a page-turner. They are looking for minimum sales of nearly 10,000 books. This means many worthwhile ideas and manuscripts are rejected, and many good books are never even attempted.
The Digital Age presents seniors with a modern solution to this problem. Print-on-demand publishers enable new authors to bring their book ideas to market with a minimum of concern. Some of these non-traditional publishers—some call their business model “subsidized publishing”—offer to publish a print-ready publication for a one-time setup fee of only a few hundred dollars. The author-client can then purchase these digitally printed books at wholesale prices in lots as small as 50.
Moreover, subsidized publishers link with booksellers like Amazon to leverage their investment in these digitally published works. Combining the author setup fees and purchases with the revenues from outside book sellers like Amazon enables publishers to realize a profit for books without best-seller status.
“I was able to get my manual for training service dogs published last year without the long search for a traditional publisher,” said Barbara Lewis, longtime dog trainer and retired head of New Leash on Life in Norman, Okla. “This was a much-needed book that has helped a lot of people in Oklahoma and outside the state.”
Lewis spent decades training dogs and managing the nonprofit 501(c)3 organization that specializes in the training of dogs that assist people with daily living skills. She was able to capture her life experience in Successful Working Dogs, a 90-page illustrated dog training manual. The book helps people who need working dogs to better choose and use these animals in their daily lives.
Many aspiring authors need help with editing and designing their books before approaching a subsidized publisher. To minimize extra charges from of a subsidized publisher, aspiring authors should submit their books in a version as close to printable as possible. This often requires the services of a professional editor and designer with the skills to polish and format the final version of the book.
One Oklahoma City go-between for authors and subsidized publishers is Larry Floyd, 67, who helped Lewis get her book into print. He offers his services under the business name of TurnKey Communications. A longtime journalist and author living in Surrey Hills, Yukon, Floyd provides editing and publishing consulting for numerous authors.
His services can be as in-depth as ghostwriting the book, or as minimal as formatting the finished product for the publisher.
“When I talk to people about what I do,” Floyd said. “I’m always surprised by the number of people who say they have an idea for a book. Sometimes it’s related to their profession, sometimes it’s an idea for a children’s book. I guess there’s a book idea somewhere inside almost every adult.”
Floyd, who also teaches U.S. history part-time at OSU-OKC, says he gets great satisfaction from helping someone with unique skills or experiences share their story as an author. “There is a wealth of knowledge and experience out there, especially among retirees,” he said. “Many of them spent busy decades honing an expertise in a particular field without the extra time to share that knowledge in a publication. In retirement, they now have the time and with digital publishing the means.”
The subsidized publishing costs can often be recouped by authors by selling anywhere from 300 to 500 copies of the book they purchase wholesale from the publisher. These sales can come from signings by the authors at bookstores and appearances at professional meetings. Social media like Facebook can also play a key role in the new authors’ sales.
In addition to individual authors, businesses and nonprofits often have a marketing need for a book about their organization or services, but these kinds of books have little attraction to a traditional publisher. Subsidized publishing offers an ideal solution for these kinds of business or organizational needs.
Floyd recommends would-be authors approach subsidized publishers with caution as some of these businesses are infamous for rip-offs and deception. Aspiring authors new to the publishing world are often flattered and talked into spending much more than necessary to see their book in print.
At TurnKey Communications, Floyd says he helps steer first-time authors through many of the complexities of the publishing world, both subsidized and traditional. He also helps these authors market and sell their books through his online sales and fulfillment service.
For additional information or a free consult on how to get a book idea into print, contact Floyd at info@TurnKeyCommo.com or call (405) 373-3467.

https://www.mcmmedicare.com/

Former Sen. Tom Coburn Dies At 72

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Former Oklahoma Sen. Tom Coburn, whose inflexible support of conservative policies placed him at the heart of many major congressional battles, has died at the age of 72. His former communications director, John Hart, confirmed that Coburn died Saturday morning “after a long battle with prostate cancer.”
Coburn’s former colleague, fellow Republican Sen. James Lankford of Oklahoma, remembered the senator as a “friend and a leader.”
The state “has lost a tremendous leader,” Lankford tweeted, “and I lost a great friend today. Dr. Coburn was an inspiration to many in our state and our nation. He was unwavering in his conservative values, but he had deep & meaningful friendships with people from all political & personal backgrounds.”
Coburn served his state in Congress for two decades — first as a representative in the House, then, after a three-year spell out of office, as a senator during the administrations of George W. Bush and Barack Obama. Coburn rarely hesitated to spar with the latter over policy, despite his close personal friendship with the Democrat.
By the time he announced his early departure from the Senate in 2014, citing a fifth bout with cancer, the obstetrician-turned-congressional fiscal hawk had earned a reputation for obstinacy in pursuit of a slimmer federal budget — and a fitting nickname to go along with it: “Dr. No.”
Perhaps few of his works were more emblematic of his time in Congress than his annual “Wastebook,” a regular compilation of examples of what he deemed to be flagrantly unnecessary government spending.
His obstinacy could be felt on both sides of the aisle too, as in a 2008 op-ed he wrote taking his GOP colleagues to task for suffering from “paralysis and denial.”
“Regaining our brand is not about messaging. It’s about action. It’s about courage. It’s about priorities,” he wrote at the time.
“Most of all, it’s about being willing to give up our political careers so our grandkids don’t have to grow up in a debtor’s prison, or a world in which other nations can tell a weakened and bankrupt America where we can and can’t defend liberty, pursue terrorists, or show compassion.”
Vice President Mike Pence mourned Coburn in a tweet Saturday.
“Senator Tom Coburn was a great conservative voice in the United States Congress and American physician whose legacy will live on,” Pence said. “Karen and I send our deepest sympathies and prayers to his family during this tough time.”
Coburn is survived by his wife Carolyn and daughters Callie, Katie and Sarah.

https://www.belmontcove.com/

TRAVEL / ENTERTAINMENT: A Celebrity Equinox Cruise: Part Two

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

You may think it odd that I would be telling you about the virtues and short falls of a cruise line, in an atmosphere of distrust and downright boycott of any cruise at this time of health issues. And I agree. However in recent memory Celebrity Cruises has not had any mass ship borne infection with its passengers as had other lines in the news.. Maybe due to luck, maybe due to good hygiene, as on my January cruise there was hand sanitizer at every turn of the corner and at every group gathering.
Lets face it: travel comes with risks. In most cases the risk is out weighted by the rewards of comforting destinations, emotional and intellectual satisfaction, and identifying with world wide humanity. The risk was there when I took my first international trip to Egypt and Greece in the early 1980s; as we traveled between the assassination of middle east leaders. Now the Cruise lines are suspended and booking now for the future of 6 to 9 months ahead is not available or even thinkable. We were so glad we had our Egypt adventure, as I’m sure you have had looking back on your completed trips.
The Celebrity Equinox has many extras that secured my vote and my deposit for a cruise in January, booked in September. In retrospect there were so many more pluses than minus to the cruise. It was a joy to board the ship. There was lots of walking from curbside to security, check in and off to the cabin which was available on time, not always available on other cruise lines. And in short time, the luggage arrived, there was ice, the pre-ordered flowers were delivered as was the shower bench and we were introduced to our cabin steward, Revlon, who throughout the cruise was quite efficient.
A short coming was the mini non insulated ice bucket. While there are ample drink stations on many floors, none on mine, as it’s nice to take a soft drink from the nicely stocked mini fridge ($3/soft drink) for a quick pick me up or beverage enjoying the view from your own veranda. Yes a small inconvenience, but hey, it’s your cruise and should be without bumps that could be corrected.
All of my prepaid tours, events and dining extras were executed without exception, and it was easier than I thought, to add more once boarded. I have been on cruises where if you did not book your most wanted extras, there were sold out upon boarding, not so with Celebrity.
The tours offered on line before the cruise were minimal, but plentiful in the brochure on board. We had a most delightful three stop food and beverage tasting in St. Thomas. There was a trek over uneven streets to arrive at the 3 locales, but once there each were atmospherically and deliciously different. One was a tasting of local foods in an historic family owned and operated restaurant. The second was beverage making in a quaint bar, and the third a make shift banana fosters show and tasting. Each locale was near, but off the beaten track, and if you didn’t know it was there, you could miss it, which made the tour mysterious and inviting. It was a pleasant tour, and only disappointing in that on that tour, was that we were not driven to the photo sight so often seen in brochure that looked down upon the white sand St. Thomas crescent beach.
I had heard from other cruise veterans that Santa Domingo was a beautiful tropical place, so I was looking forward to my tour. There were several choices but most sounded too strenuous for this cane carrying senior, so I picked one that was on a small bus to three spots of interest. I just knew one would be a local beach from a resort or such, and I could just take in the lux surroundings with a tropical view with beverage in hand. As the saying goes,”Expectations are the road to disappointment.”
I was not happy with the non destination our small bus of cruisers were taken. One was a long drive to a large parking lot where off in the distance a sunken dilapidated wooden pier could be seen. The history, if there was some, was lost on me. Next was a park with a small bandstand where costumed dancers were waiting for the recorded music to start. Most got off the bus to see this local amateur folkloric dance-dozen swooshed their skirts and stomped there feet. Next was a primitive open air eating place, where the driver had his dinner of rice and such. The rest of us, could buy bottle coca cola and such and wondered what was next on this tour. It was a stop at a gentrified and not yet completed colorfully painted strip mail of sorts, where over priced souvenirs could be purchased before returning to the ship. Needless to say this was no beautiful, tropical enchanting tour. I’m sure other tours which included hikes and snorkeling were well received. I gave this one a 1 on a scale of 10 as high, on the subsequent emailed evaluation.
The Equinox has many venues for entertainment. The top deck boasts a real live green grass lawn where bowling can be enjoyed or sitting in chairs and watch an outdoor movie after sunset. I preferred the more structured performance by the exceptional talent displayed at three different jute box musical in the main theater. There really were no bad seats and if you got there early you can order soft drinks and the like. The production shows usually had well known songs sung live with an array of costumes and a thin story line. I was not always thrilled with the content but the execution ans energy of the performances were without equal.
Besides memories of near gourmet meals in the premium based specialty restaurants, the Hot Art Glass blowing experience was fun and offered a real home grown – your breath – take away souvenir. I had done this on a limited basis before, but there is nothing like putting your lips on the end of blow pipe where on the other end was a glob of glass at 2,000 degrees. Scheduling this event can be tricky as the on line booking App does not register your exact reservation time, and you must sign up for a time in person. This was one of their prepaid options I made at home before the cruise.
You may think I was hard on my Equinox evaluations, but as stated before, I got no compensation from the cruise line and my honest, picky evaluation, might prepare you in your booking. I heartily endorse Celebrity Equinox, as the highest compliment, is that I look forward to booking again.
Celebrity offers at; (www.celebritycruises.com) and 1-888-751-7804)

 

OMRF donates 25,000 gloves to Integris, joins testing effort

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Joel Guthridge, Oklahoma Medical Research Foundation.
Lijun Xia, M.D., Ph.D., and Hendra Setiadi, Ph.D., with the laboratory gloves the Oklahoma Medical Research Foundation donated to Integris Baptist Medical Center for use during the COVID-19 coronavirus pandemic. March 2020

 

The Oklahoma Medical Research Foundation has donated more than 25,000 protective gloves to the Integris Baptist Medical Center. The donation came after Integris officials put out a call for personal protective equipment, or PPE.
Across the state and nation, shortages of PPE have heightened concerns that first responders and medical workers might be at higher risk of contracting the COVID-19 coronavirus and passing it on to patients.
OMRF has suspended most biomedical research during the pandemic. So, researchers joined together to gather spare laboratory supplies, which also included masks and other PPE desperately needed in hospitals, clinics and testing facilities.
“Our scientists reacted immediately to the request,” said OMRF’s Lijun Xia, M.D., Ph.D., who helped spearhead the effort.
“As a medical scientist, I knew that it was essential to get Integris staff sufficiently equipped so they could help patients in Oklahoma,” said Xia. “When I heard their supplies were running low, I was really concerned and wanted to contribute as quickly and as much as possible.”
OMRF healthcare providers continue to treat patients in the foundation’s rheumatology and multiple sclerosis centers. “So, it’s vital that we still retain adequate supplies to protect caregivers and patients when they visit,” said OMRF President Stephen Prescott, M.D. “But this is a crisis, and if we can help other medical professionals who are risking their lives by sharing part of our inventory, we will.”
In addition to the PPE donation, OMRF scientists are teaming with the University of Oklahoma Health Sciences Center in an emergency effort to process COVID-19 tests. Led by Joel Guthridge, Ph.D., a team of OMRF scientists is temporarily relocating to OU Medicine, where they will operate a high-speed polymerase chain reaction system OMRF has moved there temporarily, as well as a new robot OMRF has purchased to help accelerate testing.
The goal of the effort is to increase the state’s testing capacity. When fully operational, OMRF and OUHSC scientists hope the facility will be able to process up to several thousand tests a day.
“Experts say Oklahoma’s numbers will increase dramatically when more testing becomes available,” said Prescott, a physician and medical researcher. “The sooner we can get our arms around the true magnitude of this health crisis, the better we’ll be able to fight it.”
Testing will also help those worrying about whether they’ve contracted COVID-19. “Knowing whether you have the virus could improve your chances of recovery,” said Prescott, “and aggressive quarantine measures can save others from contracting it.”

First Lady, Girl Scouts, OSMA Team Up to Provide Cookies for Courage

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Oklahomans Urged to Send Cookies to Frontline Health Care Workers

First Lady Sarah Stitt, Girl Scouts Western Oklahoma (GSWESTOK), and the Oklahoma State Medical Association have launched Cookies for Courage, a program that allows Oklahomans to purchase a box of Girl Scout Cookies for medical professionals fighting COVID-19.
“Cookies for Courage is a great way for Oklahomans to let our health care workers know we are thinking of them during this very difficult time,” Stitt said. “Oklahomans always pull together in tough times, and this is a very sweet, very simple way to support our medical community as they work to protect us all.”
Cookies can be purchased online for $5 per box or $60 for a case at www.gswestok.org/cookiesforcourage. The cookies will be distributed to health care workers and others on the frontline. Proceeds from the program will support leadership opportunities for young girls through the Girl Scouts.
“Oklahoma’s physicians, nurses and other providers are working extended hours to keep our community safe during this health crisis. We are grateful to the Girl Scouts of Western Oklahoma and its members for providing this opportunity to say ‘thank you’ to those on the front lines of patient care,” said Oklahoma State Medical Association President Larry Bookman, M.D.
Girl Scout cookie season was set to run through March 22, but due to COVID-19, in-person sales have been paused. Individual Girl Scout troops have the option of returning their unsold cookies to GSWESTOK or continuing sales online through their individual Digital Cookie websites.
“Oklahomans always set the standard for how we care for our people,” said Shannon Evers, CEO of Girl Scouts Western Oklahoma. “Cookie season was cut short this year because of coronavirus, and while that’s disappointing for our girls, they recognize that there’s an opportunity here to show love for people who are fighting this pandemic on the front lines.”

https://www.safesolutionswalkintubs.com/

Carl Reiner says keeping busy keeps him going

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Carl-Reiner with Betty-White who appear in If You’re Not in the Obit Eat Breakfast. Courtesy of HBO

by Nick Thomas

Turning 97 in March, Carl Reiner shows no sign of slowing down. “I wake up with ideas!” the veteran actor, writer, director and producer says from Los Angeles says.
One of those ideas was to colorize episodes of his crown television jewel, “The Dick Van Dyke Show.” Two color episodes were produced in 2017 and last year Reiner selected a couple more favorites, with plots loosely based on his family’s experience, which aired on CBS over the holiday season.
“I’ve done a lot in my life but have to say that show is what I’m most proud of,” Reiner says. “We couldn’t afford to shoot it originally in color and make a profit, but I’m so pleased with the colorized episodes – they look fantastic.”
In “Where Did I Come From?” young Richie (Larry Matthews) questions his parents about his birth, much like Reiner’s own children did, while in “Never Bathe on Saturday,” Laura (Mary Tyler Moore) gets stuck in a hotel bathtub, ruining a vacation for hubby Rob (Dick Van Dyke).
“I wrote that based on the time my wife and I were away, and she noticed the faucet dripping while taking a bath and wanted to get a plumber,” Reiner recalls.
Reiner says it was important to produce colorized versions close to the originals.
“Luckily some enterprising photographers were on hand during the original filming and took color photos of the set and actors,” he notes. “So some colors are very accurate, like the rooms. Colorization has come a long way and I wish we could do all 158 episodes, but it’s very expensive.”
Reiner’s 2017 HBO documentary “If You’re Not in the Obit, Eat Breakfast,” in which he narrates a series of interviews with active nonagenarians, was also recently released on DVD.
“In my opening section, I’m reading the newspaper obituary section and remark if I’m not in it, I’ll have breakfast,” he says. “They thought that would make a good title.”
The documentary features 90-plus-year-old guests still active in areas such as sports, fashion, music, comedy and acting such as Dick Van Dyke, Kirk Douglas and Reiner’s longtime cohort in comedy, Mel Brooks. “Truly a collection of remarkable people,” Reiner says.
But of all the people Reiner has known, he has the highest praise for his late wife, Estelle, to whom he was married for 65 years.
“While you do live in your memories as you get older and especially after losing a spouse, if you’ve had a good marriage it sustains you,” he says. “She was perhaps the most extraordinary woman I ever met and could do everything better than anyone else. I think about her every night I go to bed, so she’s still alive in me, no question.”
A prominent comedy writer throughout his career, Reiner also continues to work on new book projects this year.
“If you have something to do every day, you’ll hang around,” he says.

4 Things to Know about Coronavirus (COVID -19)

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This undated photo provided by U.S. Centers for Disease Control and Prevention shows CDC’s laboratory test kit for the new coronavirus. (CDC via AP)

There has been a lot of information out about COVID-19 novel coronavirus, and it’s important to decipher through to find accurate information that can help you and your family be as safe as possible. Here are four things you need to know about COVID-19 from experts at INTEGRIS Health.
1. Practice the Centers for Disease Control (CDC) COVID-19 Safe Guidelines
* Hand Hygiene. Protect yourself by frequently washing your hands with soap and warm water for at least 20 seconds. If soap and water are not available, then use a 60% alcohol-based hand sanitizer. Make sure that hand sanitizer is not replacing thorough handwashing if available.
* Face. Also avoid touching your eyes, mouth and face as much as possible. If you cough or sneeze, don’t do so into your hands. Cough and sneeze into your elbow or upper sleeve.
* Social Distancing. Stay away from public gatherings of more than 10 people. Put a six-foot distance between yourself and other people where possible. If you can, work from home and limit time spent in crowded public spaces.
2. Signs and Symptoms of COVID-19
* Fever, cough, muscle aches and shortness of breath.
* A runny nose or a sore throat, these are not common symptoms of the COVID-19.
3. How, When and Where to Get Care for COVID-19
Most people with COVID-19 will not need to come to a doctor office, ER or hospital for care.
The following are places you can get care if you have COVID-19 symptoms:
* At Home Care. There is no treatment to cure COVID-19 at this time. Staying home and letting the illness run its course is what most people will need to do.
* Call Ahead or Use TeleHealth. To limit exposure to others, if you feel you need additional help beyond your home care, please seek care in the following ways:
– E-visits with your provider – visit www.INTEGRISandMe.com
– INTEGRIS Virtual Visits. Using INTEGRIS Virtual Visits allows clinical experts to conduct an initial screening for COVID-19.
You can download the app for iPhone and Android, or use on your computer at www.integrisvirtualvisit.com
Emergency Room (ER). Only come to the ER for COVID-19 if you are experiencing difficulty breathing or shortness of breath, persistent pain or pressure in the chest, new confusion or inability to arouse and bluish lips or face.
4. The Need for Testing
* World-wide Shortages. COVID-19 testing kits and personal protective equipment (mask, gowns, etc.) are in short supply due to the worldwide demand.
* Testing appropriateness. The treatment for COVID-19 is not different for confirmed versus suspected COVID-19 patients. Because of the short supply, basic COVID-19 symptoms will not be tested.
* Testing Centers. As COVID-19 testing kits and personal protective equipment become more available, a drive through testing center will be created.

Commissioner Glen Mulready Comments on the Passing of Sen. Tom Coburn

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Commissioner Mulready released the following statement on the passing of former U.S. Senator Tom Coburn:
“Tom Coburn was a friend, statesman and supporter of mine who will be greatly missed. Dr. Coburn was a fierce public policy leader and someone who wouldn’t shy away from working across the aisle to solve our state and national issues. When I was campaigning for Insurance Commissioner, I called Dr. Coburn and asked him to meet with me to discuss some healthcare and health insurance issues. He agreed to meet and graciously sat with me in his home for over an hour.”
“He also stepped out and provided support to me during my 2012 re-election campaign. He acknowledged and supported my efforts to address the challenges with our state’s healthcare and health insurance policies at a time when many of his supporters would not.”
“He will be greatly missed. Sally and I extend our heartfelt condolences and prayers to his family during this difficult time.”

www.caresuitesokc.com

SAVVY SENIOR: Beware of Coronavirus Scams

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Dear Savvy Senior, Amid all the troubling coronavirus news, I’ve also read that there are various coronavirus scams going around right now taking advantage of innocent people who are afraid of getting sick or are worried about those that have. What can you tell me about coronavirus scams and what can I do to protect myself? Scared Senior

Dear Scared,
Unfortunately, coronavirus scams are spreading nearly as fast as the virus itself, and seniors are often the most vulnerable.
These con artists are setting up websites to sell bogus products, and using spoofed phone calls, emails, texts, and social media posts as a ruse to take your money and get your personal information.
The emails and posts may be promoting awareness and prevention tips, and fake information about cases in your community. They also may be asking you to donate to victims, offering advice on unproven treatments, or contain malicious email attachments.
Here are some tips to help you keep the scammers at bay.
Click carefully: Don’t click on coronavirus-related links from sources you don’t know in an email or text message. The same goes for unfamiliar websites. When you click on an email or download a file, you could get a program on your computer that could either use your computer’s internet connection to spread malware or dig into your personal files looking for passwords and other information.
Ignore bogus product offers: Ignore online offers for coronavirus vaccinations or miracle cures. There are currently no vaccines, pills, potions, lotions, lozenges, or other prescription or over-the-counter products available to treat or cure coronavirus online or in stores. If you see or receive ads touting prevention, treatment, or cure claims for the coronavirus, ignore them because they’re not legitimate.
Beware of CDC spoofing: Be wary of emails, text messages or phone calls claiming to come from the Centers for Disease Control and Prevention (CDC) and/or the World Health Organization (WHO). These scams could take several forms – such as fake health agency warnings about infections in your local area, vaccine and treatment offers, medical test results, health insurance cancellation, alerts about critical supply shortages, and more.
For the most up-to-date information about the coronavirus, visit CDC.gov/covid19.
Beware of fundraising scams: Be wary of emails or phone calls asking you to donate to a charity or crowdfunding campaign for coronavirus victims or for disease research. To verify a charity’s legitimacy use CharityNavigator.org. But, if you’re asked for donations in cash, by prepaid credit card or gift card, or by wiring money, don’t do it because it’s probably a scam.
Beware of stock scams: The U.S. Securities and Exchange Commission (SEC) is warning people about phone calls and online promotions, including on social media, touting stocks of companies with products that supposedly can prevent, detect or cure coronavirus. Buy those stocks now, they say, and they will soar in price.
But the con artists have already bought the stocks, which typically sell for a dollar or less. As the hype grows and the stock price increases, the con men dump the stock, saddling other investors with big losses. It’s a classic penny-stock fraud called “pump and dump.” Making matters worse: you may not be able to sell your shares if trading is suspended.
When investing in any company, including companies that claim to focus on coronavirus-related products and services, carefully research the investment and keep in mind that investment scam artists often exploit the latest crisis to line their own pockets.

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.

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