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

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 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.

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 Bobby Anderson, Staff Writer

Throughout Glenn Boyer’s life he’s had a knack for being in the right place at the right time.
Even after retirement – living life the way he wants to – little has changed.
“I’ve been blessed with a lot of things,” Boyer said. “Most of these things I didn’t choose, they chose me.”
Being a man of firsts, Boyer has filled his life with love, laughter and a passion for his profession.
His home for the past year, Grand Tapestry at Quail Springs, has helped him continue living life the way he wants.
“It’s great,” Boyer said of his Northwest Oklahoma City apartment. “You meet a lot of people here. I don’t want three meals a day or babysitting. I want to do what I want to do. You choose what you want and you do it.”
By 7:30 each morning you’ll find Boyer in the workout room or he might be taking a few laps in the heated salt water exercise pool.
Some days he’ll invite his men’s bible study over for a catered four-course meal.
In the evenings you might see him in the billiards room teaching a friend’s granddaughter how to play pool.
“Things like that just make it home,” Boyer said.
Being one of the inaugural Grand Tapestry residents is just another in a long line of firsts for Boyer.
In college, he was a shooting guard for Wichita State University’s basketball team. He’s a member of the first Shocker postseason tournament team.
An ROTC cadet, Boyer was drafted out of college and sent to Ft. Bliss
“Little did I know from then on it would be my career,” he said.
The math major was assigned to the computer, missile and radar fields. He spent two years of his four years in the service on a missile site.
He applied for a job as a coach and teacher on the outskirts of Kansas City. The offer was $4,000 a year.
At the same time, Bendix Corporation offered him $12,000 a year as a computer programmer – a first for him.
“That was in 1961 when there were very few computers,” Boyer said. “I’ve been in the field ever since.”
He came to Oklahoma City in 1969.
In 1972 he started Applied Computer Systems, a business he still runs today with son Glenn Jr. at 3509 N. Classen Blvd.
Boyer enjoyed 65 years with his wife before she passed.
“I didn’t know what I wanted but I knew I didn’t want to live by myself in my house,” said Boyer, who lived at Ski Island for 44 years.
His daughter brought him to Grand Tapestry.
It’s a story told time and again.
“I just gave it a try and it turned out to be a good fit,” said retired psychiatrist Liliana Schechter. “It’s very cozy, very nice and we all help each other.”
She definitely didn’t expect to meet a fellow resident whose mother was also from Poland.
Schechter’s Polish mother survived the Auschwitz concentration camp and the Holocaust.
The conversation between the instant friends just flowed.
“We go to the synagogue (together),” Schechter said. “It was truly a miracle.”
Gwyn Walters watches the sun rise each day from her third floor apartment.
“Most of us would say the people,” Walters said of what drew her to become a founding member. “And we have some really fun things to do. The educational offerings have been great, too.”
From listening to University of Oklahoma Football Coach Bud Wilkinson’s story told by his own son, Jay, to learning more about current topics, Walters has been able to experience it all in the comfort of her home.
She enjoys greeting visitors each day.
“I think this place is great,” Walters said. “It’s comfortable. That’s one of the big things I feel here is comfortable and safe.”
“I didn’t feel this safe in my own house.”
A new and vibrant place to call home, Grand Tapestry at Quail Springs is tailored to active adults age 55 and better, centrally located in the Quail Springs area of Oklahoma City.
Here, residents like Boyer chase their passions, enjoy their hobbies and seek out new adventures.
The architecture and interiors were designed to create comfort and convenience in a caring, maintenance-free setting. From the theatre offering an exclusive cinematic experience with reclining lounge chairs, to an outdoor kitchen equipped with grills, a fire pit and water feature, to the raised-bed garden, Grand Tapestry offers a social environment for everyone.
Residents also take advantage of concierge-style services and enjoy the community beyond Grand Tapestry at a variety of dining, shopping and entertainment options within steps of the front door.

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.

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.

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.

My work is important to me because I can still do it. And I love all kinds of sports. Glenn Boyer

Music and art. My family was full of musicians. Liliana Schechter

Believe it or not it’s the sunrise I get to watch every morning. Gwyn Walters

The fact I have a washer and dryer in my apartment. I’m easy to please. Sandy Dolan