Did you know that Identity theft is an increasing threat to all Americans, including senior citizens? Unfortunately, the numbers of people that are victimized by identity theft continue to increase each year. Older adults are particularly vulnerable and deeply concerned about this threat to their financial assets.
Below is a summary of how Identity Theft happens, the warnings signs to watch out for, how to protect yourself and what to do in the event it happens to you.
How Does Identity Theft Happen?
* Opportunistic – e.g., stolen or lost wallets or purses, misappropriated credit or debit cards, re-approved credit applications that you’ve discarded
* Intentional schemes – e.g., asking for personal information in emails, calls or letters (called phishing), pretending to be you to use your benefits, applying for loans in your name
Warning Signs of Identity Theft
* ATM or bank withdrawals you didn’t make
* Credit card charges you don’t recognize
* Bills from medical offices you haven’t visited
* Mail you’re expecting that doesn’t arrive
* Calls from debt collectors
* Notices from the IRS about unreported income or multiple tax returns
Protect Your Identity
* Don’t share personal or account information on social media or emails
* Shred documents others could steal
* Check your credit reports routinely
* Report any suspicious financial transactions immediately to limit losses
What to Do If Your Identity Is Stolen
* Don’t be embarrassed—act!
* Call your bank and credit card issuers immediately so they can close your accounts
* Put a fraud alert on your credit reports to prevent opening of new accounts
* File reports with police and Federal Trade Commission
* Follow up with the IRS, Social Security Administration, and the Centers for Medicare & Medicaid Service for theft of benefits
* Keep a record of who you contacted and when
For more information, visit aba.com/Seniors

Mozart: From Salzburg to Vienna

The Brightmusic Chamber Ensemble will present its fifth and final regular-season concert, Mozart: From Salzburg to Vienna, Tuesday, April 16, at 7:30 p.m. This all-Mozart evening will feature his most popular work, Eine kleine Nachtmusik.
Mozart’s String Duo No. 1 in G (K. 423) for violin and viola was written when the child-genius was only 17 to help out a colleague—Joseph Haydn’s brother, Michael—who was unable to complete a commissioned work due to illness. By this time, Mozart had been composing for over a decade so, though it is a youthful work, it does not lack maturity. Like Eine kleine Nachtmusik, the Quintet for Clarinet and Strings in B-flat (K. Anh. 91), for two violins, viola, cello and clarinet, was published after the composer’s death at the early age of 35. The quintet, like a number of Mozart’s later works, was finished by another, in this case, the renowned Mozart scholar R.D. Levin. The program will include Mozart’s enchanting violin sonata No. 24 in B-flat (K. 378/317d), transcribed for clarinet quartet (violin, viola, cello and clarinet).
Capping the evening is a work that has long been considered Mozart’s best loved, his serenade Eine kleine Nachtmusik—literally “A Little Night Music” (K. 525) for two violins, viola, cello and double bass. This work was among a bundle of manuscripts that Mozart’s young widow took to a publisher hoping to generate some badly-needed cash. Though it is thought to be missing a movement, there is plenty of charm in the surviving four movements.
Musicians appearing in this concert are: Gregory Lee and Katrin Stamatis (violin), Samuel Formicola (viola), Meredith Blecha-Wells (cello), George Speed (double bass) and Chad Burrow (clarinet).
Brightmusic Chamber Ensemble, Oklahoma City’s own chamber ensemble, presents fine classical chamber music in the beautiful and acoustically-rich St. Paul’s Cathedral at 7th and N. Robinson near downtown Oklahoma City. Tickets are $20 at the door. Children, students and active-duty military personnel admitted free with ID. Free parking south of the cathedral. For more information, visit us at www.brightmusic.org

by Bobby Anderson, Staff Writer

Like many people, Patti Neuhold never saw the next big thing in her life coming.
But as the dust began to settle and spring had finally sprung, Neuhold was getting her head wrapped around the fact later this summer she would become the next president of the 16,000-student University of Central Oklahoma.
“I’m excited about it. Every day I realize more is going to come my way and opportunities I’ll get to be a part of and it’s exciting,” said Neuhold.
Earlier this year, the Regional University System of Oklahoma announced Neuhold will become UCO’s 21st president following the June retirement of current President Don Betz.
Neuhold is the Vice President for Finance and Chief Financial Officer for the University of Central Oklahoma. She has a deep knowledge of UCO, having served in leadership in finance and budget, administrative and professional development departments, joining the university in 2007.
With two degrees earned and a third almost completed Neuhold is a proud product of education.
“I would not be where I’m at today without education and that’s a fact,” Neuhold said. “It is, in my opinion, a life changer. Education equals freedom for so many people. It can change the trajectory of an entire family for generations to come.”
“For me, to be able to open that door is so rewarding. I want to make sure other people have the opportunity to grow and shape their destiny the way I have.”
Neuhold balanced UCO’s $187 million budget through years of the most significant declines in state support and declining enrollment. She facilitated business process reviews that resulted in savings, higher retention of faculty and new leadership development opportunities.
“Patti Neuhold has the leadership experience, and vision for the university that will help prepare our students to contribute ideas, innovation and solutions to the marketplace,” said Mark Stansberry, RUSO regent chair. “Her blend of financial acumen, organizational development and understanding of what industry needs will help UCO continue to lead in education and workforce development.”
Neuhold was approved by the board of regents after a national search.
“This is not something I had been working towards,” Neuhold said. “This really wasn’t on my radar for some time.”
But when President Betz announced his retirement last year the wheels started turning. And Betz had already been preparing her.
“He was always very encouraging and helpful in helping me see the possibilities that were ahead of me,” she said.
These are challenging times for higher education in Oklahoma.
“It’s no secret the State of Oklahoma has withdrawn its financial support from higher education across our state,” Neuhold said. “I – like all the other presidents in the state – will be dealing with our allocation from the state and building a relationship with legislators where they understand where we are coming from and what we’re trying to do.”
“Society in general is pushing back against higher education and really forcing all of us to justify our existence, which seems counterintuitive for many of us. I think we’ll be dealing with changing our stories and making sure people understand what is going on behind the curtain and doing everything we can with what we have.”
From its main campus in Edmond and facilities throughout the metro area, UCO is recognized nationally as a military-friendly school and for its high student engagement through service-learning and volunteerism and its workplace environment.
“I hope that No. 1 we can pair our innovative thinking with innovative action. I really want to see UCO move ahead,” she said. “We have so many great problem solvers on our campus – so many innovative thinkers – and I would love to see all of that paired with action.”
“I want UCO to be marked by progress, and potential and possibility.”
She stood out in the selection process but Betz already knew she would.
“Patti has been a key member of the university cabinet for several years, and has exercised significant leadership on a number of highly relevant issues to the university,” Betz said. “I believe that Patti will serve the UCO community, the metro and the state with energy, insight and distinction. I will work closely with her throughout the transition. I am delighted, and I sincerely look forward to the successful future of the university under her leadership.”

Norman, Oklahoma. Full Circle Adult Day Care Center dedicated its new facility on March 26th with a ribbon cutting ceremony and an open house. The new location is 4223 28th Avenue NW, Norman, Oklahoma, in the Franklin Business Park. Established in 1995 out of an urgent and growing need for adult day services in the Norman community and surrounding areas, Full Circle provides person-centered care. Our Program Coordinator plans and implements a variety of stimulating activities based on our members’ interests and abilities. The comprehensive program addresses all areas of wellness including intellectual, physical, emotional, vocational, spiritual, and social health, through both group and individual activities such as pet visits, community outings, an intergenerational program, art classes, cooking groups, entertainment, holiday celebrations, special events, and more. Nutritious meals are provided and special diet needs are met by the kitchen staff. Costs are kept as low as possible and we accept DHS, Advantage, VA benefits, and private pay. Scholarships are also available to those who qualify. Our new facility is state of the art, with families as our top priority.
Our Licensed Professional Nurse (LPN) monitors dietary and health needs of our members. Certified Nurses Assistants (CNAs) provide assistance with activities of daily living and personal care needs. Medication is administered by our LPN or a Medication Administration Tech (MAT) as directed per physician’s orders. Any concerns regarding the wellness and care of our members are communicated to the family and physician.
Full Circle has been referred to as the “missing piece” for caregivers struggling to keep loved ones at home as long as possible and a respite for those caregivers needing a welcome break to look after their own health and wellbeing. Full Circle would like to extend a warm invitation to everyone in the community to come see what we have accomplished and what we have to offer. For more information, please call us at 405-447-2955 or visit us at www.fullcircleok.org.

by Bobby Anderson, Staff Writer

Walking into Willowood you’re bound to see someone sitting at the piano playing a tune or relaxing on one of the couches in the grand entryway reading a book.
There’s a feeling of home inside Willowood that Executive Director Nancy Klepac, LPN, Certified Dementia Practitioner, and her staff work hard to foster.
Care and comfort combine at Willowood, which will undergo a facelift this year thanks to a new owner.
Klepac is excited about the plans guided by Heart Living Centers for the community that has enjoyed a long history in the wonderful and quaint city of Mustang.
“In the next few months I know Heart Living Centers will be diligently working to get our permits and reconstruction underway and I’m looking forward to the residents seeing the new construction and feeling the new construction,” Klepac said. “It will give everyone a breath of fresh air and give Willowood the distinction it deserves.”
Situated along State Highway 152 Willowood’s stately columns hint at what waits inside.
Details have been carefully thought out to meet resident needs.
Klepac has spent a quarter century caring for seniors and their details.
“We offer a variety of services and we have a very high bar of care that is exemplary for our residents that are living here,” said Klepac, whose innate calling has always been caring for elderly people.
Heart Living Centers represents new beginnings for Willowood with renovations and many updates to come.
Meeting with new ownership was a satisfying feeling for Klepac.
“It was very exciting,” Klepac said of partnering with Heart Living Centers. “This home has a long history and has been in need of a few things. It’s ready for its updates so it’s exciting to see what Heart Living Centers with their resources and progressive experience in the industry can do.”
Klepac’s experience with senior living runs the gamut from nursing to leadership.
From a very young age, Klepac began caring for family. She became a nurse aide at 14. “This is a calling for me,” Klepac said. “I knew that when I was six years old and so did my family that my innate calling was for the caring of elderly people. When I became a nurse I didn’t work in any other field other than long term care.”
She was eventually drawn to Willowood, starting as the director of wellness.
“I believe our care is something we do very well,” Klepac said. “We are also very respectful of residents and allowing our residents to do what they would like to do as long as it is same for them.”
“I’m very strong on residents making their own decisions about their care.”
That’s near and dear to Klepac’s nurse heart.
You’ll see her in scrubs on some days helping out where she is needed.
“Scrubs wash easily,” Klepac laughs, recounting the times she’s pitched in to help wherever a resident might need her.
“My nursing foundation is probably the most important thing to me in serving as the executive director,” she said. “And I do believe it’s a service. It allows me to look at things clinically as well as from the business aspect in the community.”
It’s also why she’s looking to help Willowood expand its reach to potential residents with chronic illnesses that are often underserved by traditional senior living communities.
In the coming months Klepac said you’ll see Willowood offer services for chronic disease management not typically seen.
And she won’t do it alone.
Her staff is her extension throughout the building.
“I have a very strong team here at Willowood. They care for our residents. They put our residents first, which in this day and time is a hard thing to find in our industry,” Klepac said. “They are on-call 24 hours a day, seven days a week without exceptions to all of our residents and their families.”
“All of of our residents have our personal telephone numbers, myself and all my department heads.”
That means availability for Willowood residents. Whether it’s something that doesn’t work in the middle of the night or the middle of the day, residents have the ability to reach out.
And even if they don’t need anything, Klepac and her staff are their to love on them.
“The care I see them provide to the residents and their families is just exemplary,” Klepac continued. “In this industry it can be draining to give all day long and then go home to their families, yet my team never seems to be short on the ability to give.”

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

Just mentioning Palm Springs brings up the cliché thoughts of well to do celebrities, escaping Hollywood to a retreat oasis out of the lime light and adoring fans, with incomparable warm weather never to disappoint. While that is true, today, Palm Springs is a tourist’s mecca with many festivals and events that may make the town over crowded where reservations for a mid-day lunch is mandatory.
I visited there for four short days in Mid-February in the midst of the popular mid century architectural festival. There seems to be something commercially happening in Palm Springs most weekends, if not at least once a month, making an enjoyable, leisure stay a challenge. With this information in hand you can find your way to the preferences that fulfills your holiday wish list.
Having visited Palm Springs off and on for over thirty years, I have seen it change and my preferences have also changed. I still like the romantic idea of passing by the places where celebrities lived, and the remains of their houses through a formalized celebrity house bus tour. This was accomplished surprising well with Celebrity Tours, with their office and pick up point in neighboring Cathedral City.
www.PalmSpringsCelebrityTours.com
Your bus driver narration is the key to your enjoyment and my Jeff, could not have been more informative or entertaining. Many of the houses in the Movie Colony Section are surrounded by high fences and vegetation, making it difficult to even get a peek at the property. The Las Palmas area houses are much easier to view. Some of the celebrity houses and stories that are seen and lives told about included celebrities of old: Liberace, Elvis, Frank Sinatra, Ava Gardner, Debbie Reynolds, Bob Hope among others, and contemporaries like Cher and Matt Damon. The brief history of some of these celebrities are told with humor, but the ending of their lives gives one pause with a touch of sadness. Many of the houses viewed today have fallen into disrepair or are smaller and less glamorous than you would expect.
The reason Palm Springs became a Hollywood oasis was during a time when the actors were under contract to movie studios. Back then using film, some of the scenes would need to be re shot on short notice to the actors. Their contract read that they must be able to show up on a twenty-four-hour notice, and Palms Springs was close enough to allow such.
After sightseeing or shopping your thoughts and stomach might turn to dining. I found all my pre-reserved dining options to surpass expectations. You might think in fine upscale dining establishment that you might want to order something experiential or exotic. I prefer to test restaurants with some of the staples of dining. If they can knock my socks off with comfort food, then they can do anything.
What’s more comforting than meatloaf, which happens to be the specialty of TRIO, https://triopalmsprings.com. I started with their batter artichoke hearts with Caper Aioli dipping sauce. The homemade meatloaf entree with red wine reduction and caramelized onions near sour cream mashed potatoes, was quickly served and the combinations of meat flavors were excellent, living up to its reputation. I ordered my traditional extra cold martini and it arrive so cold it was bubbling! Asked how this was accomplished was told there was a special machine that deep froze the bottom of the glass and when the Vodka was added, it bubbled like dry ice. The visual was stunning although it made the beverage a bit bitter – but enjoyable just the same. Located on the very popular Canyon Drive, it can often be over crowed and noisy, which might add to your celebrity watching.
Also on North Palm Canyon Drive, is Copley’s (https://www.copleyspalmsprings.com) with its welcomed Valet parking. It is situated in a long ranch house style compound once owned by Cary Grant. With expansive patio seating and fire pit prime for outdoor dining, I preferred inside from the cool night air where elegant tables invite you to step away from the intimate popular bar area and begin your culinary adventure. One of my comfort staples is a lemony Cesar Salad, which I ordered and was delighted to see it was served with smoked bacon, Padano cheese and roasted pineapple as a crouton substitute. Extraordinary as the citrus added that zest, I usually get with lemon. The dressing was just enough, and the diced lettuce easily satisfied. What goes well with Cesar but a prime grilled filet in port wine reduction, which I had prepared Medium Plus – another test for any fine dining establishment. Again perfection and with one more beverage with blue cheese olives for dessert, I topped off a posh evening.
If your appetite has been teased, be sure and see next months issue with more dining suggestions, as I end my Palm Springs comfort food foray. Until then check out, www.greaterpalmsprings.com.

Mr. Terry Zinn – Travel Editor
Past President: International Food Wine and Travel Writers Association
http://realtraveladventures.com/author/zinn

JOIN US FOR SENIOR DAY AT CROSSINGS COMMUNITY CHURCH MAY 10TH

Key Note Speakers including Elaine Dodd, Oklahoma Banking Association and Berry Tramel, Sports Editor Daily Oklahoman PM. Do you understand Social Security or how to choose a retirement community? Have you researched Alzheimer’s’ caregivers, Veterans benefits, or the million-dollar business in Oklahoma called Medicare? Senior Day is designed for those who are interested in diving deeper into these specific issues. There will be a selection of break out classes with topics like these for attendees to select and a very special Key Note speaker at lunch, Sports Editor Berry Tramel with the Daily Oklahoman.
This year there will be a raffle for “DUDE’S NIGHT OUT WITH BERRY TRAMEL, the host will be Lance Ward Pastoral Staff Crossings. Raffle tickets will be available at registration. Elaine Dodd, Oklahoma Banking Association will also present on how to limit elder fraud. Elaine worked with the OSBI for over twenty years and is well trained on how to identify and stop bank fraud for Seniors. Kim Lopez, TRIAD Director Oklahoma County Sherriff’s Office, will share how to shop safely in a mall or grocery store. We have a new presentation this year- how to Use your I Phone! Mia Munnerlyn, Media Director for Well Preserved, will share some easy to follow tips for the I Phone. Ray Walker, Director Medicare Assistance Program will be thoroughly explaining Medicare. Jose’ Olivero, Public Affairs Specialist with Social Security, will share your options on Social Security.
We are very excited to have Blair Schoeb, Director of Area Wide Aging for Oklahoma, Canadian, Logan and Cleveland County. Area Wide serves over 25,000 seniors a year. Blair recently returned from the National Association of Area Agencies in Washington, DC. There will be classes on downsizing your home. Nikki Higgins Lifestyle Realty will conduct a panel for an easy transition for a Senior home owner. How to choose a retirement community, presented by Jill Huff with Spanish Cove. Who needs Memory Care? Presented by Keri Dennis with Stone Creek Assisted Living in Edmond. What is Adult day care? Presented by Brian Rush, Director of the Daily Living centers. Daily Living Centers have four locations in the metro and Edmond. Kathy Logsdon will share the amazing story of Epworth Villa. There will also be Vendor displays for attendees to find out information from business that support Seniors in the Metro Area.
Last year the Crossings 4th Quarter event donated $2900.00 to RSVP. RSVP is a volunteer organization that serves 130 nonprofits in the Metro. This year, proceeds will be donated to non-profits that serve seniors in the metro area. Our thanks to the Title Sponsors Quail Creek Bank, Epworth Villa, Lifestyle Realty, Spanish Cove & Well Preserved Advisory Group,
Those topics plus many more will be explained on May 10th. If you are a Senior and want to come and learn—- JOIN us for SENIOR DAY at Crossings Church, 14600 N Portland, OKC – on May 10, 2019. Registration will begin at 8:30AM. This will be an all day event and will finish at 4:30. Registration is only $12.00 and that includes lunch.
To register go to CROSSINGS.CHURCH/SENIOR-DAY or call 848-5790 for more information.

Dear Savvy Senior, Since retiring a few years ago, my husband has become increasingly irritable and apathetic. I’m concerned that he’s depressed, even though he may not admit it. Where can we turn to get help with this, and what, if anything, does Medicare pay for?  Concerned Spouse

Dear Concerned,
Depression is unfortunately a widespread problem among older Americans, affecting approximately 15 percent of the 65-and-older population. Here’s what you should know, along with some tips and resources for screening and treatments, and how Medicare covers it.
Identifying Depression
Everyone feels sad or gets the blues now and then, but when these feelings linger more than a few weeks, it may be depression. Depression is a real illness that affects mood, feelings, behavior and physical health, and contrary to what many people believe, it’s not a normal part of aging or a personal weakness, but it is very treatable.
It’s also important to know that depression is not just sadness. In many seniors it can manifest as apathy, irritability, or problems with memory or concentration without the depressed mood.
To help you get a handle on the seriousness of your husband’s problem, a good first step is for him to take an online depression-screening test.
He can do this for free at Mental Health America, a national nonprofit organization that offers a variety of online mental health screening tools at MentalHealthAmerica.net – click on “Take a Screen” in the menu bar. Or at HelpYourselfHelpOthers.org, which is offered by Screening for Mental Health, Inc.
Both of these tests are anonymous and confidential, they take less that 10 minutes to complete, and they can help you determine the severity of your husband’s problem.
Get Help
If you find that he is suffering from depressive symptoms, he needs to see his doctor for a medical evaluation to rule out possible medical causes. Some medications, for example, can produce side effects that mimic depressive symptoms – pain and sleeping meds are common culprits. It’s also important to distinguish between depression and dementia, which can share some of the same symptoms.
If he’s diagnosed with depression, there are a variety of treatment options including talk therapy, antidepressant medications or a combination of both.
Cognitive behavioral therapy (CBT) is a particularly effective type of talk therapy, which helps patients recognize and change destructive thinking patterns that leads to negative feelings.
For help finding a therapist who’s trained in CBT, ask your doctor for a referral, check your local yellow pages under “counseling” or “psychologists,” or check with the Association for Behavioral and Cognitive Therapies (FindCBT.org), or the Academy of Cognitive Therapy (AcademyofCT.org).
And to search for therapists that accept Medicare, use Medicare’s Physician Compare tool. Go to Medicare.gov/physiciancompare and type in your zip code, or city and state, then type in the type of profession you want locate, like “psychiatry” or “clinical psychologist” in the “What are you searching for?” box.
Medicare Coverage
You’ll be happy to know that original Medicare currently covers 100 percent for annual depression screenings that are done in a doctor’s office or other primary care clinic. They also pay 80 percent of its approved amount for outpatient mental health services like counseling and therapy services, and will cover almost all medications used to treat depression under the Part D prescription drug benefit.
If you and your husband get your Medicare benefits through a private Medicare Advantage plan, they too must cover the same services as original Medicare but they will likely require him to see an in-network provider. You’ll need to contact your plan directly for the details.
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.