Dear Savvy Senior,

Love read that many car insurance companies offer a variety of discounts to older drivers when they retire or reach a certain age. What can you tell me about this? Discount Seeker

Dear Looking,
Most auto insurance companies offer policyholders a wide variety of discounts, many of which can benefit retirees. Auto insurers love older drivers because they’re experienced behind the wheel and they drive less than younger age groups, which makes them a lower risk for accidents and a safer bet for insurance companies.
While discounts will vary by insurer, many of these benefits can reduce your overall premium by 15 to 20 percent or more, and you are usually allowed to combine discounts to increase your savings, though total discounts are often capped at around 25 percent.
To find out what discounts may be available to you, contact your auto insurer and inquire about these benefits, and any others that may benefit you.
Age discount: Many auto insurance companies offer a general “senior” discount that will reduce your premium just because you’ve reached a specific age. The actual name and amount of the discount will vary by insurer.
Allstate, for example, provides a “senior adult discount” of up to 10 percent to drivers who are at least 55 years old and aren’t actively looking for full-time work. And Liberty Mutual offers a “newly retired discount” to drivers who reach that employment milestone, regardless of age.
Low mileage discount: Most insurers offer discounts to customers who drive limited miles each year, which is often beneficial to retirees who drive less because they don’t commute to work every day. The fewer miles you drive, the lower your odds of getting into an accident.
The parameters of low mileage differ by insurer, but generally about a 10 percent discount is available for driving less than 5,000 to 8,000 miles each year, although smaller discounts may also be available to seniors who drive more than this but less than 15,000.
Drivers Ed discount: Many states require insurance companies to offer “defensive-driving” discounts to drivers who take a refresher course to brush up on their safety skills. The discounts vary usually ranging between 5 and 15 percent.
Driver safety courses are inexpensive, usually costing around $20 to $30 and can often be taken in a classroom or online. To locate a class contact your local AAA (aaa.com), which operates a Driver Improvement Course for seniors, or AARP (aarp.org/driversafety, 888-227-7669), which offers the Smart Driver Course to members and non-members.
Club member discount: Insurers offer discounts to members of clubs and associations with which they have partnered. These could include professional associations, workers’ unions, large employers or membership organizations such as AAA, the National Active and Retired Federal Employees Association, the Seniors Coalition, AARP, etc. You could even qualify for savings based on the college you attended or the fraternity or sorority you belonged to decades ago.
Safe driving discount: Many insurance providers now offer discounts based on how and when you use your car. To do this, they would place a diagnostic device in your car that transmits wireless data on how you drive (including how fast you’re going and how hard you’re braking), when you drive and how much you drive. Drivers are rewarded for safe driving, low mileage and for not driving late at night.
In addition, many insurance providers also offer discounts to drivers who do not have any violations or accidents for three or more years.
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.

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

An undiscovered intellectual and hands on treat is the Sam Nobel Museum of Natural History in Norman, Oklahoma.
Recently it was recognized for excellence by receiving the 2014 National Medal by the Institute of Museum and Library Services, the nation’s highest honor conferred on museums and libraries for services to their community. This honor was only awarded to five museums out of 17.500, and five libraries nationwide.
The honor was given in a ceremony at the White House where first Lady Michelle Obama said, “The work that you do in the summers and throughout the year is filling a crucial role n our country as we strive to give our young people a world-class education.”
Later O.U. President David L. Boren agreed, “This prestigious national award confirms that our museum is one of the most important university-based natural history museums in our nation and indeed in the world.”
As an example of the museums outreach is the ExplorOlogy program which involves promising students from schools across Oklahoma to get a hands on experience with experts in different scientific disciplines. One ExplorOlogy program took place in the high planes of Oklahoma in the Black Mesa area located in the states panhandle.
The Sam Noble Museum offers a variety of educational programming designed to engage and challenge students as they unlock the past, observe the present and consider the future though natural and cultural history. Jess Cole, head of education, says, “We are really fortunate to be a complement and supplement for Oklahoma schools with their science education.”
More information on the museum and their educational programs can be found at www.SamNobleMuseum.org. For your visit to the museum you may take in the “Be the Dinosaur!” exhibit running through June 12th, 2016. The exhibit is based on the fossils found in the Hell Creek Formations of Montana, North Dakota, South Dakota and Wyoming. You can guide a Tyrannosaurus Rex in a search for food or learn the behaviors of the Triceratops as it ambles through the Late Cretaceous from a video console. The highlight of a visit might be the video simulated pods which allow visitors to become dinosaurs.
Another attraction is the “Through the Eyes of the Lynx: Galileo and the Microscope” through August 31st. On March 10 at 7 pm, is the free “Galileo’s World Lecture Series and Sky Watch” hosted by the O.U. Observatory.
The museum is available for catered events and banquets.
Located at 2401 Chautauqua Avenue, the Sam Noble Museum is easily accessible near the O.U. Campus, and provides an educational and entertaining experience for all ages.

Mr. Terry Zinn – Travel Editor
Past President: International Food Wine and Travel Writers Association
http://realtraveladventures.com/author/zinn/
http://www.examiner.com/travel-in-oklahoma-city/terry-zinn
www.new.okveterannews.com – www.martinitravels.com

by Bobby Anderson, Staff Writer

Only a few days remain before the April 15 filing deadline and there are a few items Oklahoma City Certified Public Accountant Lynne Van Blake says seniors need to look out for.
“Seniors need to be aware that they may need to file a tax return if they have income from other than Social Security,” Van Blake said. “Filing a return does not mean they will owe taxes.”
Founded in 1984, Van Blakes, is a family-owned CPA firm providing year-round accounting, tax preparation, incorporation, and other financial consulting, as well as planning services and advice—helping clients achieve their financial goals while maintaining legal and statutory compliance.
As the clock ticks down, Van Blake says it’s important that seniors pay attention to changes that will affect them.
“Seniors older than 70 may earn unlimited amounts without affecting their Social Security income,” Van Blake said. “Under age 70, a portion of their Social Security is reduced if their wages or net self employment are above certain limits. Seniors over age 70 may owe taxes on their earnings.
Van Blakes seeks to assist individuals, families, and businesses with tax preparation and accounting services that ensure they are fairly represented to tax agencies and financial institutions, while also developing long-term relationships built on cooperation and trust.
Van Blake said seniors need to pay particular attention to the special limits they have access to when it comes to padding their retirement accounts.
Seniors age 55 and older are able to add an additional $1,000 to bring total contributions to IRA’s to $6,500. These contributions can be left to heirs as part of an inheritance.
Contributions to a Roth IRA do not require minimum distributions at age 70 1/2. That, too, can be a tax planning tool.
The IRS offers this advice to seniors:
– If you do not itemize your deductions, you can get a higher standard deduction amount if you and/or your spouse are 65 years old or older. You can get an even higher standard deduction amount if either you or your spouse is blind.
– You must file using Form 1040 or Form 1040A to receive the Credit for the Elderly or Disabled. You cannot get the Credit for the Elderly or Disabled if you file using Form 1040EZ. Be sure to apply for the Credit if you qualify.
– IRS-sponsored volunteer tax assistance programs offer free tax help to seniors and to low- to moderate-income people who cannot prepare their own tax returns.
– Also see Publications 524 (Credit for the Elderly or Disabled); and 554 (Tax Guide for Seniors).
Van Blake also warns people to be cautious with their information.
Aggressive and threatening phone calls by criminals impersonating IRS agents remain a major threat to taxpayers, but now the IRS is receiving new reports of scammers calling under the guise of verifying tax return information over the phone.
The latest variation being seen in the last few weeks tries to play off the current tax season. Scam artists call saying they have your tax return, and they just need to verify a few details to process your return. The scam tries to get you to give up personal information such as a Social Security number or personal financial information, such as bank numbers or credit cards.
“These schemes continue to adapt and evolve in an attempt to catch people off guard just as they are preparing their tax returns,” said IRS Commissioner John Koskinen. “Don’t be fooled. The IRS won’t be calling you out of the blue asking you to verify your personal tax information or aggressively threatening you to make an immediate payment.”
The IRS reminds taxpayers to guard against all sorts of con games that continually change. The IRS, the states and the tax industry came together in 2015 and launched a public awareness campaign called Taxes. Security. Together. to help educate taxpayers about the need to maintain security online and to recognize and avoid “phishing” and other schemes.
The IRS continues to hear reports of phone scams as well as e-mail phishing schemes across the country.
“These schemes touch people in every part of the country and in every walk of life. It’s a growing list of people who’ve encountered these. I’ve even gotten these calls myself,” Koskinen said.
This January, the Treasury Inspector General for Tax Administration (TIGTA) announced they have received reports of roughly 896,000 phone scam contacts since October 2013 and have become aware of over 5,000 victims who have collectively paid over $26.5 million as a result of the scam. Just this year, the IRS has seen a 400 percent increase in phishing schemes.

Senior finds new life behind silver screen

by Bobby Anderson, Staff Writer

After several health issues including a heart attack, stroke and a multiple sclerosis diagnosis, Martin Evans’ doctors term him a “walking miracle.”
So at age 63 it shouldn’t come to anyone’s surprise that the man with a background in food service, construction and ministry has combined all three and opened up Norman’s newest discount theatre.
Three months and bucket fulls of sweat equity later, Evans wouldn’t trade the experience for the world and movie goers continue to line up day after day for a unique entertainment experience.
“It’s a family-oriented business,” Evans says. “Our prices are reflective of value.”
The theatre features $1 tickets on Tuesdays. All other days shows before 4 p.m. are $2. After 4 p.m. the price goes to $3.
The value continues at the concession stand where you can get a large popcorn, large drink and candy for less than $10. Soda refills are just a quarter.
Evans admits he couldn’t do it without his wife of nearly 35 years, Pam.
Three sons and a daughter – nearly half of the Evans family – plus a nephew all work at the theatre.
Evans has nine children.
“Everyone of them rolled up their sleeves when it was still building in progress and my brother-in-law came out for a couple months and did most of the painting for us,” Evans said. “(Having a family business) most days it’s great. Some days we’re on opposite ends of the building so we don’t scream at each other.”
Evans has a long history in customer service.
He managed Sambo’s restaurants years ago as well as a string of fast-food restaurants in California and Southern Oregon.
A few years back, son Josh opened a theatre with partners in Waterbury, Connecticut. Hurricane Sandy struck and three months later a major nor’easter all but deflated Josh’s chances at operating a successful movie theatre.
“Things kept piling up so they closed it but he always wanted to get back in,” Evans said.
So it was no surprise that Josh came to his parents for a serious talk.
“He said he really wanted to do something with us,” Martin said. “He told us we weren’t going to make a living on Social Security and he wanted to get us in a position where we could make a living and not have to work.”
There’s been plenty of work lately, but Evans has a vision of duplicating his theatre success in other markets.
“I’m 63 and for the first time in my life I was able to go to a car lot and buy a brand new car,” Evans said. “A week later I went back and bought another one for the company.”
The public has responded.
“We’re having a ball. We love it and we love the community,” Evans said. “I can’t think of a better place to live and start your business than Norman.”
Before the front doors were even unlocked Christmas Eve 2015 more than 5,000 people had liked the theatre’s Facebook page.
A crowdfunding campaign yielded nearly $30,000 with people purchasing discount admission cards and on-screen advertising.
Schools from as far away as Paul’s Valley are bringing 200 students at a time for reward days.
Movies like Goonies, Back to the Future, Gone with the Wind, Sound of Music, Singing in the Rain, Indiana Jones and Jaws are back up on the big screen for those who
“A lot of kids will get to see a movie that they’ve maybe seen on TV but not on the big screen,” Evans said. “We cater to the kids and cater to the families. We see everything from grandparents bringing their kids for their first movie experience to large families on a tight budget. We’re starting to see more college kids.
“Really we’re widespread but we have a lot of seniors.”
The Red Hat ladies come once a week to enjoy the newly-renovated digs. Upgraded sound, seating and carpet await theatre goers with a new 3D experience coming later this summer.
A family of five can come to the theatre and spend less than $50 including tickets and food.
Evans even offers a special line of all-beef hot dogs.
The nacho dog has cheese, chips and jalapenos. The namesake Marty Dog weighs in with white queso, bacon, guacamole and pico de gallo.
Fresh-baked pizza and boneless wings make an appearance after noon.
Evans credits a very aggressive film booker in getting the theatre its releases.
“It’s the same process. We have a booker who negotiates the film and the studio tells us the special things we have to do,” Evans said.
When you walk into Evans Theatres you can tell it’s a different type of theatre.
Pam Evans knows why.
“We believe everyone that walks through that door is family – family that we like,” Pam says with a chuckle.
Evans Theatres Robinson Crossing 6 is located at 1300 N Interstate Drive in Norman and opens at opens at 10:00 AM.

Diverse excellence sets the standard for Newby Vance Mobility Sale

by Jason Chandler, Staff Writer

It is the business model of Newby Vance Mobility Sales in Guthrie that is unique in meeting the needs of persons living with a disability, said Jim Seeger-Newby, of Newby Vance Mobility Sales. Newby Vance Mobility Sales is the only Ford, General Motors, Chrysler dealership franchise in the United States, Newby said.
“It’s also a full-fledged comprehensive mobility dealer,” Newby said.
The business model is designed to allow people who have a family member with a special transportation need to come to a single location, Newby said. Their individual vehicle needs will be identified at the same time their mobility needs are evaluated.
“It allows people to be treated like anyone else and not have to go to a car dealership and purchase a vehicle and then have to take their vehicle to a handicapped store to have it adapted,” he said. “That is not a very user-friendly way to have their needs met.”
The Newby Vance Mobility Sales business model allows people to bring their vehicle here for its service work and body shop work to be taken care of at a single location.
“That is the strength of our business model,” he said. “So what we offer is a comprehensive mobility/automotive business model that allows people to have their entire set of automotive, transportation mobility needs met in a single location.”
The business was founded 20 years ago and with a lot of hard work became one of the largest 15 mobility dealers in the United States. He runs the business with his son, Marcus Newby. Its success is not only due to its business model but also by the way Newby Vance Mobility Sales treats customers with individualized service. Newby Vance Mobility Sales dwells on the relationships it cultivates with every customer.
“Once you do business with us, unless you move away or unless I move away, we’re probably going to know each other for the rest of our lives,” Newby said. “Because you’re going to be contacting us and bringing your vehicle in for special service, special care when the equipment or adaptions require special service or repair.”
Customers bring their needs back to where they have a trusted relationship at Newby Vance Mobility Sales. Relationships have been developed with more than 7,000 customers, Newby said. So reoccurring business is common.
Although Newby Vance Mobility Sales is located at an automobile dealership, it is important for customers and potential customers to function on a scheduled basis. The company serves clients from all across the state.
People go to typical car dealership stores sometimes on a whim, but 95 percent of Newby Vance Mobility Sales meeting with customers is on a scheduled basis, he said.
“When you come, one of the things we help you do is to identify what your short-term or long-term needs are,” Newby continued. “And that takes time to do. It’s not much fun to try to do that when you have people walking in and out on an unscheduled basis.”
The location is west of the 153 exit on Interstate 35, making it an easy to find business in central Oklahoma at the northern edge of the Oklahoma City metroplex.
“We’re right on the I-35 artery, and so it’s real easy to get to us no matter what direction you’re coming from,” Newby said. “You don’t have to suffer if you will congested city street driving to get to us. We’re a little bit farther for some people but it’s actually an easier drive for the majority of people who come to us.”
The BraunAbility manufactures a conversion that is installed on several different mini vans. This conversion lowers the floor of a vehicle to provide adequate head room for those people entering the vehicle in a wheel chair.
“The conversion also consists of a ramp that can operate electrically or manually,” he said
A person can literally push a button for the ramp to deploy and bring the person into the vehicle while they are in their chair. The flexibility of the product allows a person to drive from a wheelchair, ride in their wheelchair or transfer from their wheelchair.
“Not all people need a special mini van. It’s very individualized,” he said. “It’s what a person’s needs are and how you can help them determine what is in their best interest.”

For more than 20 years, many frail, elderly and disabled Oklahomans with limited means have relied on the ADvantage Waiver Program to receive at-home care. Without a line item in the next state budget, funding for these services may be cut, putting the lives of these Medicaid beneficiaries in jeopardy.
The ADvantage Waiver Program enables more than 23,000 Oklahomans to retain their independence and stay at home as long as possible, instead of being institutionalized. Under the program, qualified Oklahomans receive assistance that includes:
· Picking up groceries and medicine
· Assisting with bathing and grooming
· Providing housekeeping to maintain a clean, safe environment
· Giving respite care for other caregivers
“The ADvantage Program has been a vital part of my life, and I truly believe I would not have lived without it,” said Sarah Hadyn Smith of Norman. “It has given me a life worth living in a difficult time of serious illness.”
Funding cuts to the ADvantage Waiver Program could be devastating. Frail and elderly Oklahomans would be forced into institutions at greatly increased cost. More than 10,000 employees will struggle to deliver quality care and Oklahoma businesses will leave the program. In addition, these employees may have their wages cut or lose their jobs and turn to other state services.
“Many of our members do not have family to care for them and just need a little extra help to remain in their home. Under this program, providers deliver needed care at a much more affordable rate than nursing homes,” said Steve Goforth, president and founder of Tulsa-based Oxford HealthCare and legislative officer for the Home and Community Based Services Council (HCBSC).
“Preserving the ADvantage Waiver Program is the financially conservative and responsible choice. It prevents overuse of the emergency room and unnecessary institutionalization,” said Lola Edwards, president of HCBSC. “Cuts will create serious health and safety risks to the most vulnerable Oklahomans and cost the state more in the long run.”
The Council will hand-deliver over 500 member letters of support to legislators at the capitol on March 30.
HCBSC is asking the Oklahoma Legislature to sustain current funding to the ADvantage Waiver Program through a line item in the state budget.
About the Home and Community Based Services Council-
The Council is comprised of 10 provider agencies delivering services to Oklahoma’s elderly and disabled in 38 communities. The agencies represent 80 percent of all services delivered in the ADvantage Waiver Program and State Plan Personal Care Program.