Dear Savvy Senior, I would like to make my last will and testament and would like to know if I can do it myself, or do I need to hire a lawyer?
Don’t Have Much

Dear Don’t,
Very good question! Almost everyone needs a will, but only around one-third of American have actually prepared one. Having a last will and testament is important because it ensures your money and property will be distributed to the people you want to receive it after your death.
If you die without a will (a.k.a. dying “intestate”), your estate will be settled in accordance with state law. Details vary by state, but assets typically are distributed using a hierarchy of survivors i.e., first to a spouse, then to children, then your siblings, and so on.
You also need to be aware that certain accounts take precedence over a will. If you jointly own a home or a bank account, for example, the house, and the funds in the account, will go to the joint holder, even if your will directs otherwise. Similarly, retirement accounts and life insurance policies are distributed to the beneficiaries you designate, so it is important to keep them up to date too.
Do You Need a Lawyer?
Not necessarily. Creating a will with a do-it-yourself software program may be acceptable in some cases, particularly if you have a simple, straightforward estate and an uncomplicated family situation. Otherwise, it’s best to seek professional advice. An experienced lawyer can make sure you cover all your bases, which can help avoid family confusion and squabbles after you’re gone.
If you need help finding someone the National Academy of Elder Law Attorneys (NAELA.org), the National Association of Estate Planners & Councils (NAEPC.org) and the American College of Trust and Estate Counsel (ACTEC.org) websites are good resources that have online directories to help you search.
Costs will vary depending on your location and the complexity of your situation, but you can expect to pay somewhere between $200 and $1,000 or more to get your will made. To help you save, shop around and get price quotes from several different firms. And before you meet with an attorney, make a detailed list of your assets and accounts to help make your visit more efficient.
If money is tight, check with your state’s bar association (see FindLegalHelp.org) to find low-cost legal help in your area. Or call the Eldercare Locater at 800-677-1116 for a referral.
If you are interested in a do-it-yourself will, some top options to consider are Nolo’s Quicken WillMaker & Trust (Nolo.com, $99) and Trust & Will (TrustandWill.com, $159). Or, if that’s more than you’re willing to pay, you can make your will for free at FreeWill.com or DoYourOwnWill.com.
It’s also recommended that if you do create your own will, have a lawyer review it to make sure it covers all the important bases.
Where to Store it?
Once your will is written, the best place to keep it is either in a fireproof safe or file cabinet at home, in a safe deposit box in your bank or online at sites like Everplans.com. But make sure your executor knows where it is and has access to it. Or, if a professional prepares your will, keep the original document at your lawyer’s office. Also, be sure to update your will if your family or financial circumstances change, or if you move to another state.

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.

Seaman Imoni Okine on the USS Nimitz

U.S. Navy Yeoman Seaman Imoni Okine, from Midwest City, Okla., left, and Yeoman 3rd Class Ruby Crystal Patino, from Los Angeles, review paperwork aboard the aircraft carrier USS Nimitz (CVN 68). Nimitz is in U.S. 7th Fleet conducting routine operations. 7th Fleet is the U.S. Navy’s largest forward-deployed numbered fleet, and routinely interacts and operates with allies and partners in preserving a free and open Indo-Pacific region.

The Oklahoma Medical Research Foundation is seeking applications for its 2023-24 Teen Leaders class. Applications are due May 15.
Now in its 11th year, the program is open to high school students entering sophomore, junior and senior years. OMRF’s Teen Leaders program provides group activities, panel discussions with foundation scientists and state civic leaders, and new in 2023, more time in the foundation’s labs.
Students leave with the leadership skills and tools to be change-makers in their communities. They also learn how to become advocates for medical research and improving human health.
“Nearly 400 of Oklahoma’s young leaders have passed through our doors as Teen Leaders,” said OMRF Development Director Caroline Allen, who coordinates the program. “In response to their feedback, we’ve updated the sessions to include more time with our scientists. We hope that with even more access to real-world research, they’ll be inspired to become greater advocates for medical research.”
Selected students also learn the fundamentals of nonprofit fundraising and development, board structure, networking and creating impactful social media content. Teens also work together on a special event to cap off program activities each spring.
Group sessions will begin in September and continue through the 2023-24 school year, generally on the second Tuesday of each month. Applicants must demonstrate good academic standing and attend school in Oklahoma. There is no cost to participate.

Story and photos by Darl DeVault, contributing editor

Karen Brown Tims, 70, an Arcadia businesswoman, was crowned Ms. Oklahoma Senior America 2023 at the 15th annual pageant on April 15 at the spacious Mustang Performing Arts Center with Miss Oklahoma 2022, Megan Gold, as mistress of ceremonies. Ms. Oklahoma Senior America 2022 Roxanne Parks crowned her after the judges’ selection.
This annual pageant honors ladies 60 and up who personify the “Age of Elegance” by competing to reign as 2023 Ms. Oklahoma Senior America.
With 15 contestants competing in Interview, Talent, Evening Gown and a presentation of their philosophy of life, hailing from Arcadia, Jones, Newcastle, Bethany, Oklahoma City, Sand Springs, Yukon, Nichols Hills, Mead, Del City and Edmond, Oklahoma was well represented.
“Life is not over past 60. Continue to strive and accomplish, Tims said in an interview. “Our purpose is great even yet! The young people need to hear what we have learned and our guidance is imperative. This pageant and ALL the people involved inspired me and made me oh so happy! I would shout out to all women who are interested in joining us in the fun and growing with courage and confidence. It is never too late!”
Contestants were Barbara Bryant-Waggoner, Jones, Trish Carr, Newcastle, Sharron Clifton, Bethany with Wonna Cornelson, Lynn Jones, Carla Joy, Doreen Miles Williams, Edie Thomas, all of Oklahoma City and Karen Brown Tims, Arcadia. The others were Debbie Hay, Sand Springs, Ellen Henson, Yukon, Pam Holzberger, Nichols Hills, Judy Jackson, Mead, Eileen Milles, Del City and Venessa Saunders, Edmond.
The judges’ selections that round out the court for the 2023 Ms. Oklahoma Senior Pageant are Barbara Bryant-Waggoner first runner up, Ellen Henson as second runner up, Lynn Jones third runner up and Sharron Clifton as fourth runner up.
The contestants displayed a hobby or talent within 2 minutes and 45 seconds, modeled a long evening gown, gave their philosophy of life within 35 seconds, and were interviewed by judges for 5 minutes.
Tims garnered the most applause for her spoken word talent presentation conveying the zest of the “Age of Elegance.” Here is her “Bending Time” presentation about how all the ladies competing were so happy verbatim:
Think with me for a moment, please, and with a show of hands, who, like me, has often wondered how to slow down time? My life seems to be flying by.
The truth is, we cannot change time; however, we can change our perception of time, and we all know our perception is our reality!
Remember when we were children and how slowly time seemed to go by? Seeming that summer and Christmas would never get here?
As children, we were spontaneous, and all our experiences were new. Remember going out for recess and how fun it was and how that time went by quickly? How often would we beg, “Oh, please, just five more minutes” while doing something really fun?
My research tells me that as adults, we have become less mindful of our experiences, causing time to fly by! So…Start noticing the wonder and amazement of everything!
Let’s make our day last longer by going to new places, meeting new people, trying new activities, and being spontaneous.
My research further tells me; time seems to slow down when we make drastic changes!
Break old habits! Change what you have for breakfast. Eat dinner in the dining room on China and not in front of the TV on paper.
Above all, be unpredictable; it will make your friends and, better yet, your children wonder what you are up to.
I entered this pageant!
And to prove my point, this is a two-minute timer, and in my perception, I have been speaking with you for 10 or 15 minutes. Woo Hoo! I just bent time in my life.
I leave you with this, as a mother and grandmother, I give you all permission to take more recesses, and YES, you may have five more minutes.
Tims is a busy entrepreneur running her three businesses, two of which she added since she was 60. She owns Bankers Insurance Group, CB Farms and a residential rental property firm. Her business exploits are scheduled to be featured in Forbes, Entrepreneur and Fortune magazines in the next few months as a part of a Women Business Leaders in Oklahoma article. She balances that with spending treasured time with her two granddaughters.
Her love of horses extends to cowboy mounted shooting, cutting horse contests and trail riding. She volunteers at a nonprofit horse therapy program that teaches troubled children to ride. She enjoys skeet shooting and bird hunting on her farms.
Her volunteer work includes the Oklahoma City Rescue Mission, National Cowboy Western Heritage Museum, Military Order of the Purple Heart, Oklahoma Foster Care Review Board, House of Healing, Healthy Living Center and her church.
Tims will be sponsored by the Ms. Senior Oklahoma Foundation to compete in October at the National Ms. Senior America Pageant in Atlantic City, New Jersey. The Foundation will pay her airfare, room and registration fee.
The national pageant is a nonprofit organization that honors senior women’s achievements and encourages them to use their full potential to share a positive outlook on life with others. Organizers say it is more than a “beauty pageant,” Senior America is a re-affirmation of life and self-worth, laughter and tears, inner beauty and outward charm.
This philosophy is based on the belief that seniors are the foundation of America and our most valuable treasure. Organizers say the younger generation has the opportunity to build a better society through seniors sharing of knowledge, experience and resources.
The Ms. Senior Oklahoma Foundation has been staging the pageant since 2008, now under the direction of State Administrator Carol Kallenberger and Directors Deborah Wedel and Dove Schmidt.
Kallenberger from Guthrie dedicates much of her time to this annual event. She says these elegant ladies reflect the grace, charm and fortitude that shines brightly throughout our state. “It was truly an amazing event with all the contestants displaying every aspect of the “Age of Elegance,” Kallenberger said. “I sincerely believe that a crown is not always made of rhinestones. It is made of discipline, determination, and courage. Thanks to everyone who helped make our 2023 Ms. Oklahoma Senior America Pageant a great success.”
For more information about Ms. Senior America, please visit
http://senioramerica.org.

The Antelope Party
by Eric John Meyer Directed by Jesse Jou October 12-22, 2023. “The Rust Belt Ponies Meet-Up Group for Adult Fans of My Little Pony: Friendship is Magic” gather weekly to visit Equestria—a land of enchantment aka Ben’s apartment in rural Pennsylvania.
Looking for Tiger Lily
Written and Performed by Anthony Hudson November 16-18, 2023. Starring Anthony Hudson – the human vessel for Portland’s premiere drag clown Carla Rossi – LOOKING FOR TIGER LILY utilizes song, dance, drag, and video to put a queer spin on the ancestral tradition of storytelling.
Under The Radar: On The Road
In Association with The Public Theater January 25-28, 2024. OKC Rep’s annual collaboration with The Public Theater in New York brings a show directly from the NYC festival to Oklahoma City.
Vietgone
by Qui Nguyen, Directed by Nikki DiLorento February 29 – March 9, 2024. An all-American love story about two very new Americans. It’s 1975. Saigon has fallen. He lost his wife. She lost her fiancé.
Of a Mind: Oklahoma City
Created by Kelly Kerwin, Emily Zemba, and Listen&Breathe, Movement Direction by Hui Cha Poos May 9 – June 2, 2024. Put on your headphones and join OKC Rep for a remount of OF A MIND: OKLAHOMA CITY, the audio-guided theatrical walking tour that originally delighted audiences in Spring 2022.
For more information visit: https://www.okcrep.org/season

Lois Boston, (TOP left) Lois Boston is a SUPER CENTENARIAN celebrating her 110th birthday on May 10! Lois will be celebrating her 110th Birthday on Wednesday, May 10th, 2023. Lois is the oldest living person in the State of Oklahoma as well as the oldest living person to attend OPSU College in Goodwell.

Ted Karner, (BOTTOM Left) Veteran Ted Karner of Claremore was born 100 years ago in Logan County, OK. His early education took place in a rural school. WWII changed the course of his life. He joined the Army Air Corps, which later became the U.S. Air Force, where he served for 30+ years, attaining the rank of Chief Master Sergent.

Jackie Robertson, (TOP Right) ackie Robertson celebrated her 100th birthday with family & friends in Sapulpa. She was “Outstanding Girl” of her 1941 Sapulpa graduating class. She went on to Tulsa Business College, worked in the insurance business, attended 1st Methodist Church & is past president of Tulsa Insurance Women. Her life advice is: “Treat others like you would like to be treated!”

Rutha Bryant, (BOTTOM Right) Rutha Bryant a graduate of Webster High School in Tulsa celebrated her 100th birthday on April 12! One of six children, she was born in Red Fork, one of Tulsa’s oldest communities. Happy Birthday, Rutha!

One of the things we enjoy most about Oak Haven is the feeling of being safe and secure. Oak Haven is gated and the residents are nice and hospitable people. The cottages are nice and very clean. There is some type of activity for everyone to enjoy. Margaret, the property manager, is friendly and professional in her job. David, the maintenance manager, is easy to work with on any problem you might have. They both give you a sense of wanting to help.
We enjoy Oak Haven
Mike and Ginger Pickard

VISIT OAK HAVEN AT https://www.oakhavenretire.com/

By Oklahoma Insurance Commissioner Glen Mulready

During the National Association of Insurance Commissioners’ (NAIC) Congressional DC Fly-In on April 26–27, Oklahoma Insurance Commissioner Glen Mulready joined his NAIC colleagues in advocating for federal reforms that would reinforce state-based insurance regulation and strengthen policyholder protections. Topics discussed with members of Congress included long-term reauthorization of the National Flood Insurance Program (NFIP), funding for State Health Insurance Assistance Programs (SHIPs), and returning authority to the states to oversee Medicare Advantage marketing.
“Coordinating with the federal government plays an essential role in our department’s work to protect consumers and keep insurance markets stable and secure in Oklahoma. I greatly enjoyed speaking with members of our federal delegation about issues that impact every Oklahoman, and I look forward to continuing to work together on their behalf,” said Commissioner Mulready.
The NAIC’s annual Congressional Fly-In offers chief state insurance regulators and senior staff the opportunity to meet with their congressional delegation, discuss efforts to assist constituents, brief lawmakers on regulatory developments in insurance, and advocate for state and NAIC priorities.
If you have insurance questions, please contact the Oklahoma Insurance Department at 1-800-522-0071 or visit our website at www.oid.ok.gov.

by Van Mitchell, Staff Writer

GetBak’d, located at 516 South Coltrane Road in Edmond is part of a locally owned and operated patient-driven group that has come together to provide an excellent experience and selection for the Oklahoma medical marijuana community.
The Edmond medical marijuana dispensary store opened in 2018, and its hours of operation are 10 a.m. to 8 p.m. Monday through Saturday and noon to 5 p.m. on Sundays.
Their mission is to provide the highest quality alternative treatment through a variety of cannabis and hemp-based products. They carry THC as well as CBD products to cover the patient seeking non-psychoactive treatment, to those seeking a stronger treatment through the use of high THC products.
“GetBak’d is the actual brick and mortar of the cannabis side of the of business,” said Marlon King, brand marketing manager. “When you think of a pot shop, you think are just going there to get high, and to get by. GetBak’d does offer THC, but we also offer a full CBD selection that offer no mental change while delivering relief. We offer flower, gummies, capsules, topicals, tinctures, vapes, oils, edibles and patches. We are a full holistic establishment.”
King said patients will need a doctor’s prescription recommendation to consume THC products, CBD and Delta 8 products are 100 percent legal under the 2018 federal Farm Bill and require no medical card.
He said GetBak’d has a monthly patient drive where patients can meet with on-site physician who can evaluate their qualifications for a medical marijuana card.
“We have a doctor on staff,” he said. “Patients can renew their (medical marijuana card) or get a new recommendation card at the monthly patient drive.”
A medical marijuana patient license allows someone with an approved application to legally buy, use and grow medical marijuana and medical marijuana products in Oklahoma. The license is in the form of an identification card that can be used to prove an individual is a license holder. The card contains the patient’s name, photo, date of birth, city and county of residence, the type of license, the date the license expires, and the patient’s unique medical marijuana license number.
King said there are misconceptions on how medical marijuana works. The most common use for medical marijuana in the United States is for pain control. The cannabinoids in marijuana may reduce pain by altering pain perception pathways in the brain.
“There are so many benefits it can have,” he said. “It does help relieve pain, anxiety, PTSD, helps with sleep, loss of appetite in cancer patients, neuropathy, or nerve problems. The biggest misconception is to get the relief that cannabis has, you have to feel high.”
King said another misconception about cannabis is the type of people that use medical marijuana products.
“We are all professionals, parents and productive people of society,” he said. “Just because we use cannabis as a natural alternative form to treat our life’s challenges we have, it doesn’t mean that we are the person getting high playing video games all day with no motivation. That is not it. We want to make sure that people understand that you can use cannabis with a purpose. That’s why identifying with a term is important Bak’d- the relief that comes from purposeful use/consumption of cannabis.”
For more information call (405) 438-2256 or email [email protected] or visit https://www.getbakd.com/.