St. Anthony Hospital opened its new Pavilion on Wednesday, June 22. The Pavilion, located on the east side of the campus and accessible from its Walker Avenue entrance, houses a new 36 bed emergency department, two 24 bed intensive care units, and a 24 bed progressive care unit. The 111,000 square foot, four-story facility project represents the crowning point of the hospital’s $220 million campus expansion plan announced in 2004 after it affirmed its decision to stay in Midtown. The emergency room is the first department to open in the new facility on June 22, followed by the opening of the new progressive care unit and the two new intensive care units over the next two weeks.
“We are excited about the Pavilion completion, as it represents significant enhancements for the benefit of our patients,” stated Tammy Powell, president, St. Anthony Hospital. “Our new emergency room, intensive care units and progressive care unit expand our capacity to accommodate the growth of patients seeking care through our state-wide rural affiliate network and four St. Anthony Healthplex campuses in Oklahoma City. The facility features many medical care advancements to improve upon the exceptional care we provide as well as improve the patient and visitor experience.”
The Pavilion expands the St. Anthony Emergency Room to 34 exam rooms and increases the hospital inpatient beds by 72. St. Anthony Hospital’s total inpatient licensed beds with the new expansion is 774 beds.
In 2003, St. Anthony Hospital announced it was contemplating a move because the Midtown area was in significant decline. Dilapidated buildings were common place in Midtown, and very little business investment was occurring outside of the hospital complex. In 2004, after collaborating with community and civic leaders, the hospital made the decision to stay in its 100+ year home. St. Anthony revealed an aggressive redevelopment plan for its campus. The City of Oklahoma City committed to provide assistance with streetscapes and traffic flow improvements. Over the past 12 years, the hospital invested in upgrades of patient care and common areas, redesigned and expanded its east entrance, opened a new medical office building, rehabilitation unit and $30 million surgery center, and completed numerous campus beautification projects.
City improvements in the area included the construction of two roundabouts as well as numerous streetscape projects. The City also offered assistance with the removal of dilapidated buildings. As improvements in the area were made, Midtown became an attractive area for developers. Today, Midtown is vibrant as a walkable community with restaurants, entertainment, housing and retail growth.
Rees and Associates were the architects for the $53 million project, and Turner Construction Company was the general contractor.
ST. ANTHONY HOSPITAL OPENS PAVILION

What would be the first thing you would do when elected president?
What would be the first thing you would do when elected president?
If I was elected president I would try to meet with all the countries having problems with Al-Qaeda and figure out how to live on the planet together. Glenda Nash
The first thing would be to make sure all the elderly had their benefits and make sure everyone had insurance. Ronald Haywood
Lower taxes for everybody. Anthony Hudspeth
I’m going to say ensure equal rights for everybody. Ronnie Pruiett
Fraud Advisory: Social Security Inspector General Warns Public About Email Phishing Scheme
The Acting Inspector General of Social Security, Gale Stallworth Stone, is warning citizens about a suspicious email “phishing” scheme that recently surfaced. The Office of the Inspector General (OIG) received reports that several hundred employees of a private company, with offices across the country, recently received an email message that appears to be from the Social Security Administration (SSA). The message alerts a recipient of “unusual” activity with his or her Social Security number (SSN). The email subject line reads, “Review Your Social Security Activity”, and while the email sender displayed is “Social Security Administration,” the corresponding email address is ceriley@centurytel.net. The message includes a PDF attachment with the heading “Notification.” It advises the recipient, “We detected something unusual about a recent use of your SSN” and “to help keep you safe, we required an extra security challenge.” The message states that if the recipient did not recently use his or her SSN, then a “malicious user” might have misused the recipient’s number. It asks the recipient to review recent activity via an embedded link, which links to a suspicious SSA-like site. Further, to appear legitimate, the notice includes SSA’s official seal and the words “Social Security Administrator, United States Of America” in the signature. This type of phishing scheme could lead to identity theft or Social Security benefit theft. Therefore, Acting Inspector General Stone urges all citizens to be extremely cautious when receiving requests to provide personal information over the internet or the telephone. “Don’t provide your Social Security number, bank account numbers, or other personal information, including account passwords, over the internet or by telephone unless you know and trust the source requesting it,” Stone said. “You should be extremely confident that the source is a legitimate entity, and that your information will be secure after you provide it.” Before clicking an embedded email link, try to verify the source. One method of verifying the true source is to hover over the linked text, without clicking, to reveal the destination address. For instance, in the email described above, the attachment includes the text “Review your activity,” which links to www.ssa.gov.kerodun.net/activity. While ssa.gov appears in the destination address, the “kerodun.net/activity” portion of the address is suspicious; users should be vigilant of similar questionable web addresses. If a person has questions about any communication—email, letter, text, or phone call—that claims to be from SSA, Stone recommends contacting a local Social Security office, or calling Social Security’s toll-free customer service number at 1-800-772-1213, 7 a.m. to 7 p.m., Monday through Friday, to verify its Fraud Advisory legitimacy. (Those who are deaf or hard-of-hearing can call Social Security’s TTY number at 1-800-325-0778.) Individuals may report suspicious activity involving Social Security programs and operations to the Social Security Fraud Hotline at https://oig.ssa.gov/report, or by phone at 1-800-269-0271, 10 a.m. to 4 p.m., Eastern Time, Monday through Friday. (Those who are deaf or hard-of-hearing can call the OIG TTY number at 1-866-501-2101.) For more information, please contact Andrew Cannarsa, the OIG’s Acting Communications Director, at (410) 965-2671.
AllianceHealth Midwest invests in care

by Bobby Anderson
Staff Writer
With mental health services in our state disappearing at an alarming rate AllianceHealth Midwest has doubled its commitment to helping patients.
The hospital has opened a new mental health unit featuring 32 patient rooms, large community rooms, a group therapy room and occupational therapy room. The hospital now has 72 beds and has a special focus for seniors.
In behavioral health for 25 years, James Hutchison was brought in by the health system to open the new unit.
“They needed experienced leadership from the psychiatric perspective,” Hutchison said. “They needed someone to grow them through the expansion. I fix things.”
Hutchison said for the last year the hospital was forced to turn away 75 seniors and 25 adults each month due to space restrictions.
The hospital applied to the state for a certificate of need in order to begin building.
Judy Anderson, RN, has been a nurse for 37 years now. She said the new facility is a blessing for all involved.
“This is going to be really nice for seniors, it’s state of the art, it’s something for them,” Anderson said. “I think people tend to push seniors back and we’re pushing seniors forward and that’s what I think is so important. A lot of people will instead of dealing with someone with Alzheimer’s or dementia they’ll put them in a nursing home and just not deal with them.”
DEALING WITH THE PROBLEM
Anderson understands that just because someone begins to show signs of dementia or Alzheimer’s doesn’t mean that they immediately need to be in a long-term care facility.
“If we have them here sometimes we can get them on the right medication and they can go home and live successfully there for years,” she said.
Anderson said many times when you begin seeing a change in your loved one it can be spurred by treatable medical conditions sometimes as simple as a urinary tract infection.
“If we can get them in here early enough and address their medical problems … early onset dementia can be stopped with (medication) and they can go home and lead a normal life for a long time. We just have to get the public aware there are other alternatives.”
“People don’t live it until their parents have it.”
Gloria Ceballos, RN, PhD, serves AllianceHealth Midwest as the chief nursing officer. She said the hospital has a special focus on senior adults.
“It’s a commitment because our community needs it,” Ceballos said. “This unit will never cure anybody. This unit is here to address the crisis. We do know how to treat them with medications or trying some other treatment and incorporating the family.”
Hutchison said having a facility like this in place not only helps the patients and their families but the community as a whole.
When an untreated mental health patient acts out often times law enforcement is called.
“They pick up people with mental health issues and they don’t have any place to take them,” Hutchison said. “They take them to the emergency department because that’s their only option. There emergency department holds them one to two hours or one to two days. If that person is under arrest the officer has to stay with them that whole time which takes them off the street for hours.”
Once the patient leaves the hospital, Hutchison said they will often commit a crime whether intentionally or unintentionally.
“We’ve had a lot of patients say they don’t know what else to do. They do this because they don’t have any place to live or get medicine,” Hutchison said. “It causes a huge problem for law enforcement and the community because there is no place for them to go.”
The new facility will serve as a stabilization and treatment point at a time when providers are leaving the mental health arena.
“This hospital has basically invested a huge amount of money at a time when a lot of other places are closing,” Hutchison said. “Everybody knows about the legislative issues with funding so at a time when everyone is scaling back we spent a fortune on this floor.”
Providing a safe transition point is the focus and Anderson says AllianceHealth Midwest nurses are there to serve seniors in whatever capacity they need.
“I think one of the most important things we do here is not medication it’s listening, listening to the family about the problems and listening to the patient to find out what’s really going on,” Anderson said.
Wellness program reels in senior men


by Bobby Anderson, Staff Writer
The fishing line hit the water at Lake Hefner and a Lisa Sydnor teared up.
The senior programs manager for The Salvation Army Central Oklahoma couldn’t help but getting a little misty-eyed watching the collection of senior men fishing from the docks on a picturesque June morning.
“It makes me cry,” Sydnor said. “The people that we are serving the majority of them live on virtually nothing. Can you imagine living on $750 a month? For them to be able to do something that they can enjoy and relax and they don’t have to worry about how much it costs …”
The Salvation Army Central Oklahoma recently received an $11,600 grant from the Oklahoma City Community Foundation and its Wellness Initiative grant program.
The grant will be used to assist in funding senior men’s activity programs, which will allow The Salvation Army to increase its level of service to men at their five senior centers.
On this morning everything was paid for and all the men had to do was reel in the striped bass.
The Salvation Army received the funding the third week of June and by the end of the month Oklahoma City seniors were already dipping their lines into Lake Hefner and pulling out fish.
Sydnor said The Salvation Army received a similar elder grant last year that centered around dance instruction.
“Lots of ladies enjoyed that. We had a great time and a great turnout but the guys didn’t participate,” she said. “They don’t really participate (overall). The focus of this grant was to identify things men would enjoy.”
The funding has helped purchase all needed fishing gear and tackle plus the cost of permits.
“We wanted to find things our seniors could participate in and enjoy and get out. The more you’re out and the more you do the better your are, the better you feel and the better your health is. Our goal is to get our men up and moving.”
Leatherworking and woodworking classes are planned for July and August.
“As we evaluated our activities at the senior centers, we discovered the men’s interest and participation was significantly lower than the women’s,” Sydnor said. “We are so pleased to receive this grant as it will allow us to provide the activities our senior men have told us they want.”
The Wellness Initiative grant will fund wood and leather craft kits; sports equipment for pool, darts, indoor golf and horseshoes; fishing equipment; and, tickets to sporting events. By providing these activities, The Salvation Army strives to increase participation of both men and women in their senior programs.
The Salvation Army Central Oklahoma operates five senior centers throughout the Oklahoma City metro. The centers are open every weekday to seniors ages 55 and older. Seniors have the opportunity to socialize, enjoy lunch and participate in numerous activities that include Bible study, exercise classes, crafts, dancing and much more.
Sydnor said the program is available at no charge to seniors.
Approximately 139,000 Oklahomans receive assistance from The Salvation Army Central Oklahoma Area Command each year through the broadest array of social services that range from providing food for the hungry, relief for disaster victims, assistance for the disabled, outreach to the elderly and ill, clothing and shelter to the homeless and opportunities for underprivileged children.
For more information on the programs and services at The Salvation Army Central Oklahoma, please visit www.salvationarmyokcac.org.
If you would like more information on the centers or other programs you can contact Sydnor at her office at 405-246-1120.
Centers are open 8 a.m. to 3 p.m. Monday through Thursday. On Fridays the centers are open 8 a.m. until noon. Coffee and snacks are served each morning with lunch at 11:30.
“The best way to plug into a center is just to call us. We can tell you where all the centers are,” Sydnor said.
Senior Helpers Opens Doors in Oklahoma City

Local In-home Senior Care Company to Bring 50 New Jobs to the Area
Senior Helpers, the nation’s premier provider of in-home senior care, today announced the official opening of its Greater Oklahoma City North location, to be managed and operated by husband and wife team John and Laurie Stansbury together with their partner, Sharon Johnson MSN, RN, CNE, who will serve as president and chief nursing officer. The new franchise will serve senior citizens and their families throughout the Greater Oklahoma City area, which includes Edmond, Deer Creek, Piedmont, Warr Acres, Bethany, Yukon, Mustang, Midwest City, Del City, Moore-Norman, and Guthrie. It hopes to bring more than 50 new jobs to the region over the next year. Senior Helpers’ professionally trained caregivers will help local seniors continue to enjoy the comfort of their own home despite age-related illnesses and mobility challenges.
“All three of us have personal experience caring for a family member living with early onset Alzheimer’s, and we understand profoundly how challenging it can be without the proper care,” said Laurie. “Through Senior Helpers, we’re providing a valuable resource by helping to alleviate this stress and ensure a better quality of life for families in our community through personalized in-home senior care.” Sharon adds, “Over the years, Senior Helpers has established itself as the best option for navigating the challenges of in-home senior care today, and we are proud to be a part of this company.”
Founded in 2001, Senior Helpers operates with a vision to be the leading home care company in each community it serves. Its caregivers in Oklahoma City are fully trained and certified to offer the highest level of care possible based on the company’s Senior Gems® Alzheimer’s and Dementia care program. As the gold standard for excellence in personalized in-home senior care, the program was developed in conjunction with nationally recognized dementia care expert Teepa Snow and is endorsed by the Alzheimer’s Foundation of America and the American Society on Aging. Local residents will also benefit from the company’s new Parkinson’s Care Program, a specialized training and certification program created in conjunction with leading experts from the National Parkinson Foundation’s Center of Excellence.
“We’re pleased to welcome Laurie, John and Sharon to our team as the newest Senior Helpers franchise owners,” said Chris Buitron, vice president of marketing for Senior Helpers. “This amazing triobrings a passion for their community and an acute understanding of in-home senior care to their new roles. This will serve them well and also will be rewarding for seniors and families living in Oklahoma City and the surrounding area.”
Senior Helpers is the nation’s largest premier in-home senior care company in the U.S. with over 270 franchised businesses operating across the country. Founded in 2001 with a vision to help seniors who wish to remain in their homes despite age-related illnesses and mobility challenges, Senior Helpers has now cared for tens of thousands of seniors with a pledge to provide “care and comfort at a moment’s notice.” Senior Helpers offers a wide range of personal care and companion services, including trained Alzheimer’s, dementia and Parkinson’s care, to assist seniors who wish to live independently. Learn more by visiting http://www.seniorhelpers.com.
HIT A HOME RUN WITH SOCIAL SECURITY
By Jose M. Olivero Social Security Public Affairs Specialist in Oklahoma
A home run is a highlight of any baseball game. The fans cheer with excitement to see a player rocket the ball into the stands. So, what are you doing to prepare for your retirement home run? Your goal should be to get past 1st, 2nd & 3rd base and make it home with a hefty plate of savings. Social Security has many tools to help you achieve financial security. Take the first step and visit www.socialsecurity.gov/myaccount. The benefit of having a my Social Security account is that it gives you access to your personal Social Security Statement, verification of correct earnings, and an estimate of your early retirement benefits at age 62, full retirement age of 66, and delayed age at 70. We protect your information by using security features and strict identity verification to detect fraud. In several states including the newly added Idaho, Mississippi, and North Dakota, you can request a replacement Social Security card online. Find out if your state offers the service at www.socialsecurity.gov/ssnumber. In addition to using your personal my Social Security account to prepare for a comfortable retirement, you can visit www.myra.gov. At myRA, you can access new retirement savings options from the Department of the Treasury. This service is designed for the millions of Americans who struggle with saving for retirement — it’s an easy and safe way to help you take control of your future. myRA is designed for people who don’t have a retirement savings plan through their employer, or are limited from other savings options. If your employer provides a retirement savings plan, such as a 401(k), learn more about that plan’s potential for matching contributions or other benefits. Since myRA isn’t connected to any employer, it allows workers to hold on to it when they move to different jobs. myRA makes your money grow faster than a traditional savings account. Having both my Social Security and myRA accounts in place, you’re guaranteed to hit a home run in successfully planning for your future. Learn more about all of your choices at www.socialsecurity.gov.
TRAVEL/ ENTERTAINMENT: Drive Australia’s Great Ocean Road, Victoria, Australia

Take a stroll through one of these VirtualTourist recommended City parks.
Central Park, New York City, N.Y.
New ork City’s Central Park is perhaps an obvious choice, but hard to beat. Central Park was the first public park built in America, and was constructed in the middle of the 19th century to create a breathing space for the 500,000 people then living in New York City. It occupies 843 acres of prime real estate between Fifth and Eighth Avenues, stretching from 59th Street south to 110th Street north. On any given day you will find New Yorkers and tourists there in numbers, making full use of this wonderful green oasis in an otherwise manic city. Whether walking, jogging, running, exercising dogs or themselves, boating on the lake, playing ball, catching up with friends on one of the many benches or simply lying in the sun — there are so many ways in which to enjoy Central Park. VirtualTourist members say one of their favorite things is to take a walk in the part of the park known as the Ramble, a protected ecosystem that feels more like the woods than a park, and then relax for a while on a bench watching the rowers on the lake. Other activities include a visit to Central Park Zoo, a ride on the carousel and a walking tour.
St. James Park, London, England
St. James Park, the oldest Royal Park in London, is surrounded by three palaces — Westminster, the oldest, and now the Houses of Parliament, St James’ and, of course, Buckingham Palace. While VirtualTourist members say that all the London parks provide a welcome green oasis, St. James has the edge. Perhaps it’s the lovely lake with so many beautiful water birds, or maybe the great views to be had from its bridge. Stand there for a while and look toward Whitehall — the domes and copulas will make you think you are somewhere far more exotic than London. Then turn to look the other way and you’ll see one of the city’s most famous buildings, Buckingham Palace, which some say looks better from this distance than close up. This is also a great park for picnics, and for people-watching. So linger a while on the benches — or why not follow a great London parks’ tradition and hire a deck chair? And if you’re looking for refreshments, the park has an excellent restaurant and several snack kiosks. VT Tip: The famous resident pelicans are fed every day at 2:30 p.m.
Kings Park, Perth, Western Australia
One of the world’s largest and most beautiful inner-city parks, Kings Park in Perth has Aboriginal and European history, wonderful views of the city and the most spectacular Western Australian Botanic Garden, which displays more than 3,000 species of the state’s unique flora. There are sculptures, water gardens, a treetop walk, a gift shop, cafes and restaurants, wildlife and much more. One of the most moving experiences is the Memorial Walking Trail (1 mile). Along the war memorial path, you will pass the Flame of Remembrance whose flame never goes out. A look at it and you can see four torches, each one represents one of these forces — Navy, Air Force, Army and Women’s Services. It is a place to come and stand in silence, remembering the Western Australians who served in the wars and lost their lives. Around the walls are the names of all the major battlefields and there are plaques with the names of the Victorian Cross and the George Cross recipients from Western Australia.
Deukmejian Wilderness Park, Glendale, Calf.
Not many small- or medium-size cities can boast of three mountain ranges within its border, but Glendale, California, does. Stretching east and north from the San Fernando Valley, the city takes in substantial parts of the San Rafael Hills and the Verdugo Mountains, plus a small slice of the San Gabriel Mountains at the city’s northern extremity. At this northernmost spot in Glendale, overlooking the foothill communities of La Crescenta and Tujunga, lies Deukmejian Wilderness Park, named after former California Governor George Deukmejian. The 709-acre wilderness park features a picnic area, amphitheater, miles of hiking trails and plenty of parking. It is home to the historic Le Mesnager Barn, built in 1914, which the city is committed to turning into an interpretive center in the not-too-distant future. It is also home to the city’s robust volunteer Trails and Open Space program, which provides the community with opportunities for habitat restoration, interpretive programs, trail maintenance and trail safety patrols. The park is open from 6 a.m. until one hour after sundown and entrance is always free. VirtualTourist members say one of their favorite things here is the amazing views of Los Angeles, stretching as far as Santa Monica and Catalina Island on a clear day; as well as the animal spotting. Keep an eye out for numerous species of mammals, including coyote, mule deer, gray fox, bobcat and mountain lion, as well as a vast array of common lizards, snakes and 23 species of birds, including California quail, northern flicker, scrub jay, Nuttall’s woodpecker, American kestrel and Cooper’s, red-tailed and red-shouldered hawks. Golden eagles and California black bears have also been spotted!
Kandawgyi Park, Yangon (Rangoon), Myanmar
If the bustle of downtown Yangon is getting to you, you may want to go for a relaxing stroll in the Kandawgy Park, which translates as Royal Lake. There are plenty of shaded areas and it is very peaceful. The centerpiece of the park is the large Karaweik (Royal Barge). This is not an ancient monument, but a modern construction that houses a function hall amongst other things. As well as the Karaweik, there is a small children’s zoo and play area and various food outlets. The park also serves as a venue for pop concerts on the weekends. Somewhat incongruously, you may spot a fully camouflaged tank nestled amongst the bushes and there is a bevy of black swans on the lake making the entire scene quite beautiful. There is an admission charge for foreigners, about $2 USD.
(c) 2016 Virtualtourist.com, Distributed by Tribune Content Agency, LLC
22nd Annual Art Show at INTEGRIS Cancer Institute
It is the distinct pleasure of the Troy and Dollie Smith Wellness Center at the INTEGRIS Cancer Institute to invite you to our 22nd annual art exhibit dedicated to the curative powers of creativity and to all whose lives have been affected by cancer. This will be our biggest show yet, with more than 200 pieces of art.
Artists of all ages wishing to express how their lives have been affected by cancer will have their work on display. The pieces are individual or collaborative, done by professionals as well as first-time artists. The exhibit showcases all forms of art including fiber, graphics, oil, watercolor, mixed media, photography, pottery, sculpture, writing and poetry. Pieces will be displayed from July 29 through Sept. 9, 2016.
OPENING RECEPTION Artists, cancer survivors, families and friends will be recognized at the 22nd annual Celebration of Life Art Show and Opening Reception on Friday, July 29, 2016, from 5:30 to 7:30 p.m. at the INTEGRIS Cancer Institute, 5911 W. Memorial Road, Oklahoma City, OK 73142. To RSVP for the event, please call 405-951-2277.
SAVVY SENIOR: 10 Ways Seniors Can Avoid Identity Theft
Dear Savvy Senior, What can seniors do to protect themselves from identity theft? My brother-in-law, who’s 77, recently had his identity stolen and I want to make sure it doesn’t happen to me. 10 Ways Seniors Can Avoid Identity Theft
Dear Worried,
Great question! Each year around 17 million people fall victim to identity theft, which happens when someone gets access to your Social Security number, bank or credit card account number, or other identifying information and uses it to steal from you. Here are some free steps you can take to reduce your risks.
Guard your personal information: Never give your Social Security number, credit card number, checking or savings account numbers to anyone unless you initiate the contact. Also, do not carry your Social Security card around in your wallet or purse, and don’t carry around your Medicare card either unless you’re going to the doctor.
Get off mailing lists: Put a stop to preapproved credit-card offers, which is a gold mine for ID thieves. To do this visit optoutprescreen.com or call 888-567-8688 – they will ask for your Social Security number and date of birth. You can stop other junk mail at dmachoice.org, and reduce telemarketing calls at donotcall.gov.
Use strong passwords: To safeguard your personal data on your smartphone or tablet don’t use a password that’s easy to hack, like 1234 or 0000. Also, make your computer passwords more than 8 characters long, with uppercase and lowercase letters, numbers, and symbols like # and %, and use different passwords on different accounts. If it’s hard to remember them, try a password manager service like dashlane.com, truekey.com or lastpass.com.
Be wary of unknown emails: Never click on links in emails from strangers, or those that claim to be from the Social Security Administration, IRS or other government agencies, or from your bank, phone or credit card company warning of a “problem.” This can result in identity-stealing malware being installed on your computer. To protect your computer from malware, install antivirus software (see avg.com and avast.com for free options) and set up automatic security updates and full weekly scans.
Secure your mail: Empty your home mailbox quickly or buy a locked mailbox to deter thieves. And mail outgoing payments from a U.S. Postal Service mailbox or the post office, not from your more vulnerable home mailbox.
Get safer credit cards: If you don’t already have one, get an EMV chip credit card from your credit card provider. They’re much more difficult for fraudsters to hack than magnetic strip cards.
Shred unneeded documents: Buy a crosscut paper shredder so you can shred all unneeded records, receipts, statements, preapproved credit offers or other papers you throw out that has your financial or personal information.
Monitor your accounts: Review your monthly bank and credit card statements carefully, and see if your bank or credit card issuer offers free alerts that will warn you of suspicious activity as soon as it’s detected. If they do, sign up for them or use eversafe.com, which will do it for you for a small fee.
Watch your credit: Check your credit report at annualcreditreport.com or call 877-322-8228. You can receive one free report a year from each of the three major credit bureaus (Equifax, Experian and TransUnion), so consider staggering your request so you can get one free copy every four months.
Set up security freezes: If you don’t plan to apply for new credit, loans, insurance or utility services, freeze your credit reports so crooks can’t open up new accounts in your name. Rules vary by state, but the $5 to $20 fee is waived if you’re 65 or older, or show proof of past ID theft. Security freezes are set up at all three credit bureaus at equifax.com, experian.com and transunion.com.
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.





