Senior educates generations

by Bobby Anderson,
Staff Writer

The sounds of children’s playful voices float through Southwinds Montessori Preschool in Norman.
Inside, the classrooms are a flurry of activity with 45 smiling faces whirring around from activity to activity.
In the background, Carol Zerboni smiles a big, beautiful proud smile.
It’s been that way more than 40 years now for Zerboni, who operates the private Montessori school along Highway 9.
And she laughs at the time when running a school and teaching children was the farthest thing from her mind.
“I just wanted a paycheck – a little extra money to have to spend,” Zerboni said of looking for a job as a young art major at the University of Oklahoma.
“I asked if they needed an art teacher and she hired me immediately.”
“I didn’t have a clue what Montessori was. Being Italian, I thought for sure I’d figure it out.”
When Zerboni figured out the Montessori philosophy hailed from Italy she was intrigued.
When she found out what it could do for young children she was hooked.
“I watched and looked at the materials and equipment and the way they were learning and it was different than anything I’d ever seen,” Zerboni said. “The materials were just incredible – beautiful. There was a purpose for everything.”
She switched her major to elementary education and then went on to Oklahoma City University to complete her Montessori training.
The textbook definition of Montessori discusses an emphasis on independence, freedom within limits, and respect for a child’s natural psychological, physical, and social development.
For Zerboni – and literally millions of children through the years – it just seems natural.
THE MONTESSORI CONCEPT
The education system originated in Italy with Dr. Maria Montessori, the second female doctor in the country’s history.
With compulsory education beginning at age seven, the streets of Rome were filled with young children with plenty of time on their hands.
With the idea that children learned 80 percent of their knowledge from birth to four, the pediatrician set up the first Montessori, Casa dei Bambini.
The program was a success, so much so that Prime Minister Benito Mussolini appointed her chairwoman of education for the country.
But during World War II she called the dictator “a fascist pig” and was booted from the country.
“She was so ahead of her time and really bright and really understood the child,” Zerboni said of her icon.
Landing in India, Montessori continued her curriculum development, carrying it all the way through high school.
To this day, Zerboni still gets questioned about what Montessori is all about.
“I tell them it’s a method of education where the teacher’s role is totally different,” Zerboni said. “It’s not teacher-driven. Your job as a teacher is to create the environment to be inviting so that the kids can go in it and move. They need to move and they need to have meaningful work … and for them to make their own choices and create independence.”
That’s why the halls at Southwinds are often a flurry of activity. To some it may seem like a classroom run amuck.
But spend a few moments observing and you’ll see children discovering the world around them through all five senses.
And they’re enjoying it as the same time.
Zerboni will tell you Montessori school kids read earlier than those in traditional school. Phonic sounds are taught at age three but it’s not done with them sitting in a hard-plastic chair for six hours a day.
“Freedom of movement is one of the biggest things that’s different from public school,” Zerboni said. “I really think sticking children that are young in desks is really not fair to the child. It is unnatural. They can’t sit. They’re not absorbing anything at all.”
Absorption is key to knowledge. Children aren’t just taught things in Montessori they experience them and store them with emotion and memory that will carry the information with them for the rest of their days.
Zerboni things a lot of that is missing in today’s schools.
“I think what we’re losing out on is we’re waiting too long to get our kids involved in Math, Reading, Science and all the basics,” she said. “They’re ready for it. They get it.”
Zerboni took her 40 years of experience and passion and poured them into her own line of instructional books.
Zeb Books was born nearly a decade ago – named after the family pet. “I’ve done the thinking about this and about what works and what doesn’t,” Zerboni said. “I’m not sure I have the only way but I know my way works because I’ve got kids reading up a storm.”
“That’s one reason people send their kids here.” And the fact that they’re having fun while learning doesn’t hurt either.

The seventh annual Cross Family Benefit for the Oklahoma Medical Research Foundation will be held on May 7 in Kingfisher. Cowboys from across the country will saddle up to raise money for cancer research and also to honor the life of Floyd Cross.
Cross battled – and defeated – recurring bouts of colon and liver cancer for 12 years before passing away in 2016. The Cross family continues to fight the disease in his honor by raising funds to support cancer research at OMRF.
“The Cross family is a great example of how Oklahomans can do something meaningful to help combat diseases like cancer,” said OMRF Vice President of Development Penny Voss. “Grassroots efforts like this one make a big difference in giving momentum to the world-class research happening right here in Oklahoma City.” In addition to the steer wrestling competition and t-shirt sales, raffle tickets will be sold for $1 or six for $5 for a wide variety of prizes. A weekend getaway to Red River, New Mexico, will be up for auction. The event will be held at 1 p.m. at the Kingfisher Rodeo Roundup Club Arena. To enter or for more information, call Sherrie Cross at (405) 375-4872 or (405) 313-1776. The books are open from 10 a.m. until noon on May 7. Admission is free.

by Sheila Kennedy-Stewart, MSN, RN, CMSRN & Melodie Hopkins, BSN, RN

The hospitalist movement has arrived and it has transformed the care of hospitalized patients and the collaboration among healthcare professionals. For Integris Southwest Medical Center (ISMC) nurses and members of the Clinical Practice Council (CPC), having a close, professional relationship with our hospitalists is a must to improve the value of inpatient care. In the fifteen years since the hospitalist movement and quality movement began, our nurses have supported the initiative for 24/7 hospitalists in the hospital for a safer health care system. The engagement of collaboration is mutual between our nurses and hospitalists. Melodie Hopkins, Intermediate Care Team Lead for Integris Southwest Medical says, “The Hospitalist Group have respect for the nurses’ judgement and recommendations in patient care. We feel we now have a voice that is being heard.” ISMC’s Clinical Practice Council is instrumental in supporting nurses by introducing LEAN projects to curtail hospital costs, supporting evidence-based practice for maintaining the highest standard of patient care and raising funds for the celebration of the annual ‘Nurses Week’. This time of year, the CPC would normally be organizing a fund raiser for the special week’s celebration. But ISMC is about to transition to EPIC computer system and all the nurses are busy with extra educational classes. When the hospitalists became aware that this year’s nursing week might not be well celebrated due to lack of funds, they jumped into action.
Our hospitalists organized and are sponsoring the “Brushes and Bubbly.” This event will be a painting fun-raiser. The event is to be held May 25th, 2017 at Nosh Restaurant in Moore. Tickets for the event are $35.00 and all proceeds will go to the Clinical Practice Council. The Nurses of ISMC are grateful for the comradery of our wonderful hospitalists and we salute you: Mobolagi Olulade, M.D., Carolyn Pimsler, D.O., Jeanette Kelley, D.O., Nicole Dodson, D.O., Adrian Scaunasu, M.D., Abie John, M.D., Emenike Uba, M.D., Shiedeh Khodadadian, D.O., Ryan Morgan, D.O., Siddhartha Rangineni, M.D., Matthew Kallenberger, D.O, Mahdi Mussa, M.D., Ralph Shadid, M.D., Magesh Sathaiah, M.D., Dubari Ashraf, M.D., Susan Mathew, D.O., Paragkumar Patel, M.D.

Dear Savvy Senior,

What types of products can you recommend to help people with hearing problems? My 65-year-old husband has some hearing issues, but doesn’t think he needs a hearing aid, so I’m looking for some alternative devices that can help.

Loud Talker

Dear Loud,
If your husband feels he’s not ready for a hearing aid but needs some hearing help, there are dozens of “assistive listening devices” on the market today that can make a big difference.
Assistive listening devices are over-the-counter electronic products (they are not FDA approved hearing aid devices) that can amplify and improve sound to help your husband in different listening situations. It’s also important to know that these products are best suited for people with mild to moderate hearing impairment, and they usually aren’t covered by insurance or Medicare.
Here’s a breakdown of some of the different devices that can help.
Personal amplifiers: For better hearing, especially in noisy environments, there are personal sound amplification products that can be worn in the ear like a hearing aid, and are designed to amplify sound while reducing background noise. Two top rated products to consider that were recently recommended by Consumer Reports are the SoundWorld Solutions CS50+ and the Etymotic Bean.
The CS50+, which costs $350, looks like a Bluetooth cell phone headset, and has customizable settings that can be programed with a smartphone. The Etymotic Bean, which costs $399 a pair or $214 for one, is ready to use right out of the box and is best suited for those with high-frequency hearing loss.
If these are too pricy, there are also a number of small hand-held or body-worn amplifiers – like the Williams Sound Pocketalker ($139) and Bellman & Symfon Mino Personal Amplifier ($188) – that have a microphone and headphones or earbuds that are very effective too.
TV amplifiers: To hear the television better, there are TV listening devices that will let your husband increase the volume and adjust the tone to meet his needs, without blasting you out of the room.
Some of the best options include wireless infrared, radio frequency or Bluetooth devices that come with standard or stethoscope headphones. Sennheiser makes a variety of quality products with prices running between $130 and $450. Or, for a more affordable solution, consider the Serene Innovations TV Sound Box for $120. This is a wireless amplified TV speaker that would sit near your husband, and provide clear stereo sound from the TV without the need for headsets.
Amplified telephones: To have clearer phone conversations, there are a wide variety of amplified telephones that offer enhanced volume and tone adjustments, and they usually come with extra loud ringers and flashing ring indicators to alert him when a call is coming in.
Some top makers of these products are Clarity, ClearSounds and Serene Innovations, and a top seller today is the Clarity XLC2+ Amplified Phone ($144), which is a cordless phone that provides three tone settings and 50 decibels of amplification.
Alerting devices: There are also a variety of alerting devices that can help people who have trouble hearing the doorbell, phone, alarm clock, smoke detector or even weather radio. These products use flashing lights, multi-tone ringers or vibrating devices as a means to alert you.
Some popular products in this category include: The Bellman & Symfon Care Home Alerting Solution that provides door and phone notification with a flashing alert ($198); the Silent Call Weather Alert Radio with strobe and bed shaker ($165); and the all-in-one Serene Innovations CentralAlert CA-360 Clock/Receiver Notification System, which provides alarm clock, doorbell, phone, motion and storm warning alerts ($180).
To locate these and any other hearing loss products visit Harris Communications (HarrisComm.com, or call 866-476-9579), which offers more than 2,000 assistive devices and provides customer support services to assist you.
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.

By John D. Doak, Oklahoma Insurance Commissioner

Retirement can be a new beginning for us, but planning for your golden years can be daunting. This week is National Retirement Planning Week© (NRPW). The goal of NRPW is to promote the importance of comprehensive retirement planning.
While retirement planning was once thought of as an issue for older people, the truth is that you must start preparing for a secure future as soon as you enter the work force.
Check out this retirement checklist to help you plan for a comfortable and secure retirement.
Review Your Finances
If your workplace offers a 401(k), 403(b), ESOP, profit sharing plan, IRA or Roth IRA, you should take advantage of their plan. Many employers will match contributions up to a certain amount. The sooner you start saving, the more money you’ll have for retirement. Consider at least contributing the amount needed to obtain the employer match.
Review your finances to see how financially prepared you are for retirement. Track down and value your assets including cash, investments and anything else you can exchange for cash such as your house, savings bonds and even fine jewelry. Find the retirement accounts you have put money into throughout your career. You might want to think about consolidating some accounts so your money is easier to manage. If you decide to consolidate retirement accounts, seek advice on how to implement a rollover to avoid immediate taxation of your funds.
Assess Your Life Situation
Life insurance, like retirement, is something to consider at the beginning of your working years. Life insurance policies can provide benefits throughout life including whole life policies that build cash value. Whole life policies also allow you to take a loan, or borrow from them, but doing so does reduce the amount your beneficiaries will receive if you haven’t repaid the loan. Please note: you will pay interest on the amount you borrow. Do your research carefully to determine if such a policy is right for you at your current life stage.
Also, review your specific needs for health insurance and long-term care insurance. Your need for various coverages will change throughout your life. Insurance can help provide financial security in your retirement years if a catastrophe happens.
Annuities
An annuity is a contract or policy between you, the policyholder, and an insurance company. An annuity pays a periodic (monthly, quarterly, semiannual or annual) income benefit for the life of a person (known as the annuitant). Annuities can also be purchased for a specified time period. Annuities can play an integral role in a financially secure retirement. There are four main types of annuities:
*Variable annuities with guaranteed lifetime withdrawal benefits: Long-term, tax-deferred insurance products that contain investment and insurance components with optional guaranteed withdrawal benefits.
*Fixed and fixed-indexed annuities: Long-term, tax-deferred insurance vehicles which offer a guaranteed minimum interest rate.
*Single premium immediate annuities products: Provide a guaranteed income for life or a specified period in exchange for a one-time lump sum payment.
*Deferred income annuities: Provide for guaranteed income but don’t begin until a specified age, such as 80 or 85.
Please note that annuities are not for everyone. Research your options thoroughly before purchasing one. Also, consider the costs associated with the annuity, such as the broker commissions.
Grow Your Nest Egg
Having a clear financial plan is important. A rule of thumb: 80 percent of your current annual income is a good amount to save up for retirement. Consider if you’ll receive a pension and Social Security and subtract that amount from your annual income. Use that number to calculate a financial plan running out to age 100 for how much you’ll need every year based on the year you retire.
Learn about investing and consider paying a certified financial planner for help. You might be keeping your money in accounts that have low rates of return and could earn more simply by moving the money.
A professional can help you invest your money for the best rate of return.
It is possible to retire on your own terms if comprehensive retirement plans are properly developed and managed. Visit www.RetireOnYourTerms.org for retirement resources such as a retirement calculator, basics on investing and information on how to find the right financial advisor.
For insurance information, contact the Oklahoma Insurance Department at 1-800-522-0071 or visit our website at www.oid.ok.gov.

Seniors needed in vaccine debate

story and photos by Bobby Anderson, Staff Writer

Whooping cough, polio, measles and rubella.
Anyone over the age of 50 remembers hearing horror stories about the diseases that plagued previous generations.
For the much of the current generation the above are simply footnotes in history with no real meaning.
But that may be changing.
From January 1 to March 25, 2017, 28 people from 10 states (California, Colorado, Florida, Michigan, Nebraska, New Jersey, New York, Pennsylvania, Utah, and Washington) were reported to have measles.
Those numbers are alarming for Norman Pediatrician Dr. Thomas Kuhls, so alarming that for the first time in his life he’s entered politics.
“I’ve never done anything political in my life. I don’t think I even ran for student council in middle school,” Kuhls laughed.
Then two things happened. Kuhls read that an immunization bill by Sen. Ervin Yen would not be heard in the 2016 session.
“Senator Yen’s bill would strengthen immunizations because rates are dropping,” Kuhls said. “More importantly, at the end of the legislative year when the anti-vaccine bill was passed by an overwhelming majority and went to the Governor.” Thank God Gov. Fallin vetoed it but what scared me was when the Republicans tried to override their own governor and came just 13 votes short.
“It was clear the majority of those legislators … even with my ignorance I knew there weren’t that many people that didn’t have their kids vaccinated. It had to do more with misinformation and misunderstanding and not really truly understanding vaccines.”
That’s why Kuhls is supporting the non-profit political action group Vaccinate Oklahoma.
Kuhls taught vaccines at the University of Oklahoma for years. His background is in immunology and pediatric infectious diseases.
Kuhls still has his smallpox scar.
“In my generation and in my parents’ they all knew the importance of vaccines because many of those era have seen polio,” Kuhls said. “Back in my era vaccines were always important.”
WHAT’S AT STAKE
“I think people don’t realize what’s at stake,” Kuhls said. “Our personal exemption rate is increasing yearly in this state. Other states when their rates go up have had outbreaks of diseases like in California.”
“When the population isn’t immunized it sets us up for a disaster, an outbreak.”
Before the middle of the last century, diseases like whooping cough, polio, measles, Haemophilus influenzae, and rubella struck hundreds of thousands of infants, children and adults in the U.S.. Thousands died every year from them. As vaccines were developed and became widely used, rates of these diseases declined until today most of them are nearly gone from our country.
Statistics from the CDC paint an interesting picture.
*Nearly everyone in the U.S. got measles before there was a vaccine, and hundreds died from it each year. Today, most doctors have never seen a case of measles.
*More than 15,000 Americans died from diphtheria in 1921, before there was a vaccine. Only two cases of diphtheria have been reported to CDC between 2004 and 2014.
*An epidemic of rubella (German measles) in 1964-65 infected 12½ million Americans, killed 2,000 babies, and caused 11,000 miscarriages. Since 2012, 15 cases of rubella were reported to CDC.
Kuhls says the United States has very low rates of vaccine-preventable diseases, but this isn’t true everywhere in the world.
Only one disease — smallpox — has been totally erased from the planet. Polio is close to being eliminated, but still exists in several countries.
More than 350,000 cases of measles were reported from around the world in 2011, with outbreaks in the Pacific, Asia, Africa, and Europe.
In that same year, 90% of measles cases in the U.S. were associated with cases imported from another country. Only the fact that most Americans are vaccinated against measles prevented these clusters of cases from becoming epidemics.
Kuhls said one of the major drivers of non-compliance is public schools making it easier for parents to sign exemption forms rather than instructing parents to have their children vaccinated.
“I think anybody my age understands the importance of vaccines and have watched diseases go away,” Kuhls said. “Your readers need to tell their grandkids these diseases are real and they’ve lived through them and they are the vaccines that made them go away.”
“It’s the grandparents that have seen that and have been through that.”

Can I Inherit My Parent’s Debt?

Dear Savvy Senior,

What happens to a person’s debt after they die? My mother has taken on a lot of medical and credit card over the past few years and I’m worried that my brother and I will be responsible for it when she dies. What can you tell me?

Worried Daughter

Dear Worried,
In most cases when a person with debt dies, it’s their estate, not their kids, that is legally responsible. Here’s how it works.
When your mom dies, her estate – which consists of the stuff she owns while she’s alive (home, car, cash, etc.) – will be responsible for paying her debts. If she doesn’t have enough cash to pay her debts, you’ll have to sell her assets and pay off her creditors with the proceeds.
Whatever is left over is passed along to her heirs as dictated by the terms of her will, if she has one. If she doesn’t have a will, the intestacy laws of the state she resides in will determine how her estate will be distributed.
If, however, she dies broke, or there isn’t enough money left over to pay her “unsecured debts” – credit cards, medical bills, personal loans – then her estate is declared insolvent, and her creditors will have to eat the loss.
“Secured debts” – loans attached to an asset such as a house or a car – are a different story. If she has a mortgage or car loan when she dies, those monthly payments will need to be made by her estate or heirs, or the lender can seize the property.
There are, however, a couple of exceptions that would make you legally responsible for her debt after she passes away. One is if you are a joint holder on a credit card account that she owes on. And the other is if you co-signed a loan with her.
NOTE TO SPOUSES: These same debt inheritance rules apply to surviving spouses too, unless you live in a community property state – Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington or Wisconsin. In these states, any debts that one spouse acquires after the start of a marriage belongs to the other spouse too. Therefore, spouses in community property states are usually responsible for their deceased spouses debts.
Protected Assets
If your mom has any IRAs, 401(k)s, brokerage accounts, life insurance policies or employer-based pension plans, these are assets that creditors usually cannot get access to. That’s because these accounts typically have designated beneficiaries, and the money goes directly to those people without passing through the estate.
Settling Her Estate
You also need to be aware that if your mom dies with debt, and she has no assets, settling her estate should be fairly simple. Her executor will need to send out letters to her creditors explaining the situation, including a copy of her death certificate, and that will probably take care of it. But, you and your brother may still have to deal with aggressive debt collectors who try to guilt you into paying.
If your mom has some assets, but not enough to pay all her debts, her state’s probate court has a distinct list of what bills get priority. The details vary by state, but generally estate administrating fees, funeral expenses, taxes and last illness medical bills get paid first, followed by secured debts and lastly, credit card debts.
Need Help?
If you have questions regarding your situation, you should consult with a consumer law attorney or probate attorney. Or, if you just need a question or two answered, call your state’s legal hotline if available (see LegalHotlines.org), or legal services provider.

If you’re heading north out of Tulsa and don’t know what to look for, you could pass right by R & G Family Farm and never know it. However, nestled back in the woods off of State Highway 11 you can often find Katie Plohocky gardening, feeding the livestock and organizing her latest proposal to bring agriculture and food to the communities around her.
Born on a 400 acre centennial farm in Croswell, Michigan, Katie Plohocky has been playing in the dirt since she could crawl. Upon graduating high school Katie headed for the business world. She earned a bachelor’s degree in business leadership from Baker College as well as a master’s and MBA from University of Phoenix. Already a well-seasoned commercial real estate agent, in 2000 she moved to Oklahoma to continue her career. It wasn’t until she got involved with the Indian Healthcare Resource Center’s ‘Food for Life’ in 2008 that she realized the food scarcity that many Oklahomans face.
“We are in a food desert,” she said. “People in this area have to travel several miles to access food. We grow more than enough food in the state, but access and distribution of that food is a different story. Seventeen percent of households in this area do not have transportation, so food access is a problem. We help with community gardens, help people grow in their backyards and assist mobile farmers markets.”
In addition to her selfless attitude, Plohocky’s entrepreneurial spirit and work ethic set her apart. The projects and service organizations she has developed did not come with an instruction manual, nor were they a guaranteed success. One thing that is guaranteed, however, is that when Katie recognizes a need with Oklahoma food and agriculture she takes action. Take for example her mobile grocery store.
Founded in 2010, R & G Family Farm’s mobile grocery store was just the first of many different ways Plohocky is striving to increase access to food and having a lasting impact on agriculture in Oklahoma. The mobile grocery store served over 10,000 people in only its second year of operation.
“We started a mobile grocery store to serve food deserts about four years ago,” she said. “We converted a nine-horse trailer into a grocery store that we can transport to different neighborhoods each day. We have 16 acres that consist of chickens, goats, aquaponics, fruit trees and vegetables that we stock the store with. We also have partner farms that grow produce for us as well as let us utilize the food they do not sell. Our customer base continues to expand significantly each year.”
With a portfolio which shows over 100 percent growth in food sales each year, her selfless attitude and entrepreneurial mindset is working well to benefit others. It is easy to see how her volunteer base is growing with individuals that want to give back.
In 2015 R&G Family Farm started ‘Hands to Harvest”, which redirects unsold produce to those who need it most. With this program, Plohocky takes volunteers to partner farms, grocery stores and restaurants to harvest unwanted food and leftover food waste. This food is either distributed through R&G Family Grocers’ mobile store, Food on the Move, Food Bank of Eastern Oklahoma, or taken back to their commercial kitchen for preservation. Between her farm, gardens, mobile grocery store and volunteering it can be hard to see how Plohocky has any free time to do anything else. However, Plohocky understands the importance of educating people across Oklahoma on our food needs at both the local and regulatory level.
Don’t be surprised if you see Plohocky out of her work clothes on the steps of the state capitol building. She has become a resounding voice for Oklahoma food security and has traveled to the state capitol several times to discuss policy related to food growth and distribution. Each year she coordinates the Oklahoma Food Security Summit which brings together national, state, tribal, and local food policy experts and community members to discuss food insecurity and develop solutions to take action. On the local level, she began the “Cooking for Health” program which teaches people how to grow and prepare fresh, healthy food all the while reducing food waste.
“We currently work with Tulsa Food Security Council, Lacy Park Community Center, Tulsa City-County Health Department, OSU Health Sciences, Tulsa Public Schools, Tulsa Community College, and many others to provide community classes around healthy food,” she said.
Listening to Plohocky describe all of the different facets of food and agriculture with which she’s involved can be challenging to keep up with. However, she claims it’s all more than worth it at the end of every day.
“By doing what we do, we hope to change lives for the better. Healthy diets can only be possible through diverse farming systems that ensure everyone has adequate access to local foods. Any day we get to do that is a day well spent,” Plohocky said.

Oklahoma’s seniors are the perfect target for con artists. Many of them have a “nest egg,” own their own home and have excellent credit. This summer the Oklahoma Insurance Department is arming seniors with the tools they need to protect themselves from fraud.
“Scam artists exploit the very traits in our older citizens that we love so much,” Oklahoma Insurance Commissioner John D. Doak said. “Seniors were taught to be polite and trusting. But we’re teaching them techniques and giving real-life examples to help them be mindful of the risks involving insurance and many other interactions and decisions.”
A panel of experts will fan out across the state to share information and advice in seven different cities in June and July. These Senior Fraud Conferences include topics on insurance fraud, Medicare fraud, investment fraud, banking fraud and current senior scams.
Some red flags that attendees will learn about include:
· Unrequested calls from Medicare or Social Security. Fraudsters claim to be with these offices asking for financial or other personal information to get beneficiaries a new card or better benefits. These are almost always a scam.
· Pressure to act quickly. If an offer is legitimate, it will still be there tomorrow.
· Unsolicited offers for free money or fast cash. A promise of lottery winnings and guaranteed returns from an unknown inheritance are likely scams.
· If it seems too good to be true, it probably is. Scam artists have a knack for making people believe they’ll be better off if they take the deal.
Each seminar is free for seniors and includes breakfast. Insurance professionals can attend a conference for four hours of Continuing Education (CE) credit. The cost for CE credit is $30.
The conferences are partially funded by the Administration on Community Living’s Senior Medicare Patrol grant. To attend, please RSVP by registering online at map.oid.ok.gov or by calling 800-763-2828.

June 1 – Pauls Valley
Donald W. Reynolds Recreation Center
1005 N. Willow
Pauls Valley, OK 73075

June 6 – Altus
Privett Event Center
1320 North Forrest
Altus, OK 73521

June 15 – Oklahoma City
Tower Hotel
3233 N.W. Expressway
Oklahoma City, OK 73112

June 27 – Tulsa
Marriott Tulsa Hotel Southern Hills
1902 E. 71st St.
Tulsa, OK 74136
June 28 – Grove
Grand Lake Event Center
26301 S. 655 Rd.
Grove, OK 74344
(Next to Grand Lake Casino Lodge and 1.5 miles south of Grand Lake Casino on Highway 10)

July 20 – Elk City
Western Technology Center
301 Western Dr., Rooms 103 & 104
Elk City, OK 73644

July 26 – Tahlequah
Go Ye Village
1201 W. 4th St.
Tahlequah, OK 74464