Sunday, December 28, 2025

Unlock more benefits from Tricare for Life

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Steve Sibley is a native Oklahoman and Native American. He is also a retired, disabled veteran of both the Air Force and Army, and holds an MBA in Healthcare Administration.

By Steven Sibley, E7 RET/DAV, MBA Healthcare Admin Licensed and Appointed Health Insurance Agent

As a Military Retiree we enjoy many great benefits, affordable healthcare is one of them. As a civilian now working in the senior health insurance industry, I appreciate that value even more. I’ve discovered that Tricare for Life (TFL), is not just a healthcare benefit, it’s also a financial benefit. Unfortunately, many veterans don’t fully understand what Tricare for Life is or how it works. What they do know is when they need healthcare their copays are low or non-existent. As a professional in the industry, and someone on TFL, I’d like to shed some light on TFL.
TFL is a benefit that works with Original Medicare Parts A & B. Part A is for Hospital/Inpatient Care and Part B is for Primary/Outpatient Care. For retirees, TFL starts when they become eligible for Original Medicare at age 65. The big surprise comes when they discover that they are going on Medicare and that it has a much higher cost than the low premiums they had for Tricare Prime or Select. The new premium for 2023, which is for Medicare Part B, will be about $165.00 per month for most people with an average income.
Original Medicare generally only pays for 80% of the cost of care, so the remaining 20% is the responsibility of the patient. Plus, it does not cover prescription drugs, dental, or vision. The solution for many civilian retirees is to add a supplement and a drug plan. Together those premiums can cost about $200 per month and adding Vision and Dental plans will increase their monthly cost. Then they find out their plan’s premiums can increase every year.
During your 20 plus years of retirement, they’ll pay as much as $80,000 or more for each person on Medicare. Here’s why TFL is a financial benefit, there is no premium. Technically, TFL is called a “Medicare Wrap Around benefit”, practically it acts like a premium free supplement and drug plan. So, a retired military member and their spouse are not going to be spending hundreds of thousands of dollars of their retirement income on insurance premiums. It gets even better.
What most veterans on TFL don’t know is, they can access even more benefits from the Medicare part of their TFL by choosing to have it administered by a commercial healthcare company. These are called Part C plans, aka Medicare Advantage, and they must cover everything that Original Medicare does. These plans can bundle additional healthcare and wellness benefits, which may even include a Prescription Drug Plan. However, Military retirees can use special Part C plans that do not offer a drug plan, since their prescriptions are covered by TFL through Express Scripts. I am on such a plan, I pay ZERO dollars for it, and significantly reduces my Part B premium payment. It also covers Vision and Dental, so there’s no need to pay FEDVIP extra for those benefits. It also offers a host of other benefits worth hundreds of dollars a month. Using a Medicare Part C plan with TFL is like turbo- charging your benefits. These plans will also work for most Medicare eligible Veterans who use the VA for their prescription drugs. Less cost, more benefits, and money back is what we’ve earned and deserve as Veterans. Find out more and get your questions answered by giving me a call. Steven Sibley, E7 RET/DAV, 405-850-1569.

https://www.sibleyinsures.com/

Required disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

SPECIAL TO SNL: Holiday Tips For Seniors

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Joyce Clark, Executive Director of Saint Ann Retirement Center in Oklahoma City.

Story by Joyce Clark, Executive Director – Saint Ann Retirement Center

When asked what is the most significant thing that makes an elder feel loved and included in the Thanksgiving & Christmas season, most people say they desire to spend time with family. Residents of Saint Ann Independent Living were asked for ideas to help make holidays for seniors more joyful and festive. Most replies indicated seniors simply want to spend time with loved ones doing just about anything. Ideas for activities families and seniors can do together are outlined below.

THINGS TO DO TOGETHER TO BRIGHTEN HOLIDAY SEASON FOR YOUR ELDER LOVED ONES

  • Attend a Christmas ballet or theatre show
  • Hold a virtual get-together using Facetime, Zoom, Skype, or Google Meet
  • For those who have difficulty getting around or need personal assistance, hire an aide to transport & assist her at a family event.
  • Play Dirty Santa or other games
  • Take a drive to view Christmas lights
  • Enjoy a spa day
  • Write Christmas cards
  • Include the elder in meal & event planning
  • Cook favorite items in a festive setting
  • Assist with gift wrapping
  • Help decorate the senior’s home. Also, help take down & store decorations.
  • Go gift shopping with a stop for brunch
  • Play holiday music & sit by a fire while visiting
  • Assemble a holiday or family photo album or scrapbook
  • Bake cookies
  • Make holiday cards or crafts
  • Watch Christmas or home movies
  • Create a cookbook with recipes from all family members
  • Organize old photographs & share memories about them
  • If it is difficult for the senior to get out of the home, take a small festive family party to her residence.
  • Attend church or Mass on Christmas Eve or Christmas Day
  • Go caroling or have a sing-along
  • Help the senior primp for a special event or get ready together. Manicure nails, style hair, do makeup, trim long hair in nose, ear, or eyebrows, and get dressed in fancy clothes. The senior may need to rest before going to an event or some primping could be done in advance.
Saint Ann Independent Living residents agreed it is wonderful to have people stop by for a visit all year and not just during the holidays. Folks who are hard of hearing prefer personal visits over telephone calls or video chat. The residents also suggested some gift ideas for seniors:

GIFT IDEAS FOR YOUR FAVORITE SENIOR

  • Help out by shopping, running errands, picking up gifts, mailing package or cards
  • Arrange for a beautician or masseuse to go to the senior’s home
  • Postage stamps
  • Cup holder for walker or wheelchair
  • Gift card for a local grocery store, restaurant, favorite brand, Walmart, coffee, manicure, etc…
  • Crossword, Sudoku or jigsaw puzzles
  • Basket of fruit, snacks, or groceries
  • Latest book from a favorite author
  • Night lights or motion sensor lights for hallway, bedroom, bathroom
  • Coupon redeemable for running errands a few times a year
  • Note offering to do chores around the house
  • Monthly subscription for a gift box, flowers, or magazine
  • Warm & snuggly throw
  • Bidet
  • Easy-to-use mobile phone or tablet that can be used to video chat
  • Smart picture frame that allows people to upload pics, video call, or send notes
  • Amazon Echo with voice calling
  • Custom photo puzzle or calendar
  • Medical alert system
  • Memory foam or gel seat cushion
  • Adaptive devises like a long handled shoe horn
  • Large print playing cards
  • Succulents
  • Shari’s Berries
  • Bird feeder & seed
  • Wall mounted magnifying mirror
  • Fall-resistant slippers
  • Wine
  • Assortment of birthday & greeting cards with stamps
Another suggestion is to simplify traditions and routines to reduce stress and accommodate the elder’s physical or mental needs. Sometimes it is more about the people and simple things than celebrating exactly as done in previous years.
Holidays can be particularly sad for some folks. Pictures or memories may bring up tears or grief. This can be a healthy way to release normal feelings and should not be shamed. Share a safe space to remember and celebrate lost loved ones.
Joyce Clark is the Campus Director of Saint Ann Retirement Center, which offers independent and assisted living. She says watching people regain their strength, balance, and health is one of her team’s greatest rewards.
Clark encourages people to be extra careful at home getting in and out of the bathtub, where many people tend to fall. Call Lisa at Saint Ann Retirement Center, (405) 721-0747 Ext #322, if you would like more tips and helpful information. https://www.saintannretirementcenter.com/

A reminder that it’s time to get some tattoos

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Nationally syndicated comedy columnist Greg Schwem.
September 11, 2022, Blue Bell, Pennsylvania, USA: Pennsylvania Democratic Senate candidate Lt. Governor John Fetterman greets supporters before the start of the Women for Fetterman Rally. (Credit Image: © Sue Dorfman/ZUMA Press Wire)

by Greg Schwem

At last check, the time spenI recently turned 60, a milestone accompanied by physicians telling me my various aches and pains are most likely the result of…existing.
Pain in the top of my left foot recently sent me to a doctor who diagnosed a partial stress fracture.
“What caused that?” I asked, struggling to put my shoes on. “What did I do?”
“You don’t have to do anything” he replied, as if his last 20 patients had asked the same question. “These things can just happen to someone your age.”
Ouch. Literally and figuratively, ouch!
Sensing my confusion, he offered a partial explanation.
“Stress fractures are often the result of active lifestyles.”
Fellow sexagenerians, take note. Pain and suffering are your rewards for trying to stay healthy. Now go lay on the couch immediately and crack that fourth beer. Doctor’s orders.
I also am struggling with memory, an affliction that comes with age but one I will remedy with the help of Pennsylvania senate candidate John Fetterman.
One of the most hotly contested, and entertaining, races this November pits Fetterman, the Keystone State’s lieutenant governor, against (loudly clear throat) DOCTOR Mehmet Oz. The latter was hilariously mocked on social media recently after airing an ad blaming President Biden for the rising price of crudites (aka little carrots). Fetterman, meanwhile, suffered a stroke mid-campaign, raising questions about his health and fitness for the job.
Fetterman’s forearms also have become a source of scrutiny, specifically, his multiple tattoos. Fox windbag Tucker Carlson called them “silly” and “a costume” while former House Speaker Newt Gingrich, (R – Yeah, he’s still alive), seized on Fetterman’s no longer visible “I Will Make You Hurt” tattoo. Gingrich somehow equated the phrase to heroin and the notorious Crips street gang in another comical tweet.
Seeking to put his ink to rest, Fetterman explained the meaning behind his tattoos in various media outlets. Most, he said, are calendar dates marking the day someone died violently while Fetterman was mayor of Braddock, Pennsylvania. Fetterman said the dates are reminders of the crime-ridden country he hopes to change if elected senator.
Thankfully, I don’t personally know of anyone who met a violent death. But I could use a permanent cheat sheet on my body. So, in the event I summon the nerve to visit a tattoo parlor, I am compiling a list of “reminders” I can refer to in moments of confusion:
My computer login password. True, I don’t have the body space to list ALL of my passwords. But this one at least gets me initial entry into the system that holds the rest of them.
11-27-93. I won’t divulge the exact meaning behind the date, but I was wearing a rented tux that day and a minister was involved. Also, my wife could become angry if I ever forget it.
24-12-36. It’s my first junior high locker combination and a reminder that, while I struggle to remember the date I was married, I still proudly recall inane information like this.
The name of my first pet. No longer will I get locked out of my online bank account after five failed attempts.
My bank’s phone number. You never know.
The warranty expiration dates on every major household appliance I own. When somebody points to it and says, “What does that one mean?” I can say, “It means it’s time to buy a new refrigerator!” Then I can easily log into my bank account and determine if I have the funds to afford one.
Finally, “Elton John, 1976,” a reminder of the first concert I ever attended. Considering the 75-year-old Rocket Man just performed at the White House and will continue packing stadiums until calling it quits later this year, it’s a testament to doing what you love for as long as you feel like it. I plan to do the same with my current career.
After that, maybe I’ll retire and continue to live an active, healthy lifestyle.
I had better leave some space on my arm for a crudite tattoo.
(Greg Schwem is a corporate stand-up comedian and author of two books: “Text Me If You’re Breathing: Observations, Frustrations and Life Lessons From a Low-Tech Dad” and the recently released “The Road To Success Goes Through the Salad Bar: A Pile of BS From a Corporate Comedian,” available at Amazon.com. Visit Greg on the web at www.gregschwem.com.
You’ve enjoyed reading, and laughing at, Greg Schwem’s monthly humor columns in Senior Living News. But did you know Greg is also a nationally touring stand-up comedian? And he loves to make audiences laugh about the joys, and frustrations, of growing older. Watch the clip and, if you’d like Greg to perform at your senior center or senior event, contact him through his website at www.gregschwem.com)

TACKLING THE STRUGGLES OF AGING BY REVOLUTIONIZING

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Imagine having to choose between paying your electric bill or paying for your life-sustaining medications or food. For many seniors living on a fixed income, that is a difficult reality.
The price of medications continues soaring — over the last decade, research shows many of the top-selling, brand name medications have increased more than 50-percent, with more than half of them doubling in price, that’s according to the National Library of Medicine.
The cost of medications alone can leave them facing difficult choices every month.
“We never want a patient to have to make that decision of am I going to eat this week, am I going to have air conditioning this week, or am I going to pay for that blood pressure medication,” said Justin Henson, a nurse practitioner at Valir PACE in Oklahoma City.
September is National PACE Awareness Month. PACE stands for Program of All Inclusive Care for the Elderly. It is an approach that aims to bundle. It is a relatively new model of care that is gaining momentum across the United States. Valir is one of the first to implement the model in Oklahoma
The goal is to help more seniors, who otherwise would require nursing home care, continue to live independently in their own homes. It does that by bundling their medications, meals, transportation, physician visits, and therapy needs under one umbrella care plan, that also provides opportunities to socialize and be a part of the community.
The results are impressive – reducing hospitalizations and improving quality of life.
PACE participants, like Nick Felix, say the program has helped them to enjoy the life, despite the issues that come with aging. For Felix, heart issues top that list.
“My heart fibrillates whenever it wants to. It’s like dancing a Cha-Cha to a Waltz. You know you’re not in sync at all,” said Felix, a 90-year-old former dance teacher and movie choreographer, who still enjoys dancing at his favorite studio.
Henson has worked closely with Felix, helping him manage his health and medications to stay healthy and active.
“He’s had a very complicated cardiac history,” Henson said. “But he is a guy who will wake up every single morning doing his push-ups. He loves to go out and walk, he loves to go dancing every week.”
Managing the challenges of a complicated regimen of medications without the worry of cost is one aspect of PACE Felix likes best.
“Well, it’s lifesaving. I mean you’re talking about my heart medicine, my joint medicine, I’ve got all kinds of arthritic conditions — and they tell me when to take it, what to take and how much to take,” he remarked.
Medications are packaged and labeled for each day, and time of day for each participant and
Valir PACE provides those medications — helping eliminate the financial pressure off of rising drug costs for seniors.
“We do get a lot of patients who want to join our services and we note as they’re coming onto services that they have been without their medications for three months, four months,” Henson said. “Diving into why they have been without these medications, often it is they’re trying to pay for electricity or they’re trying to pay for food.”
Henson added ensuring seniors have their medications and take them as correctly can lead to better health outcomes and a better quality of life.
“If you have a medical condition, even if it’s a small medical condition, but it’s not treated, it can grow into a large medical condition,” he said. “Taking medications as prescribed, when prescribed is going to be the best way to keep you as healthy as possible, and as young as possible as long as possible.”
Valir PACE is located at 721 NW 6th Street in the heart of downtown and has just opened an Alternative Care setting at 2411 Main Street in Choctaw, expanding services to seniors living in that more rural part of the metro. To learn more, visit ValirPACE.org or the National PACE Association at NPAonline.org.

https://scissortaildermatology.com/

IN RECOGNITION: USS Oklahoma 1916-1946 – Battleship # 37, later BB-37 – attacked on 7 December 1941

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USS Oklahoma (BB-37) Passing Alcatraz prison, San Francisco Bay, California, during the 1930s. Hand-colored photograph. Courtesy of the USS Oklahoma Association, 1975. Collection of Irvin Barrett. U.S. Naval History and Heritage Command Photograph.
Rescue teams at work on the capsized hull of USS Oklahoma (BB-37), seeking crew members trapped inside, 7 December 1941. The starboard bilge keel is visible at the top of the upturned hull. Officers’ Motor Boats from Oklahoma and USS Argonne (AG-31) are in the foreground. USS Maryland (BB-46) is in the background. Official U.S. Navy Photograph, now in the collections of the National Archives.

Courtesy Naval History and Heritage Command

USS Oklahoma, a 27,500-ton Nevada class battleship, was built at Camden, New Jersey. She was commissioned in May 1916 and generally operated in the Atlantic over the next five years. In mid-1918, Oklahoma went to European waters to help protect convoys. Late in that year and in June 1919 she escorted President Wilson during his voyages to and from France. In 1921, the battleship moved to the Pacific, visiting the west coast of South America prior to joining the Pacific Fleet. During most of the rest of the decade, Oklahoma served with the Battle Fleet during its many exercises, drills and Fleet Problems. She participated in the Fleet’s trans-Pacific cruise to Australia and New Zealand in mid-1925. In the summer of 1927, she transported Naval Academy Midshipmen from the east to the west coast during their annual training cruise.
Oklahoma was modernized at the Philadelphia Navy Yard in 1927-29, emerging with a greatly altered appearance and notably improved battleworthiness. After brief service with the Scouting Fleet, she returned to the Pacific in mid-1930, and renewed her participation in the Battle Fleet’s activities. In July 1936, Oklahoma was sent to Europe to help evacuate U.S. citizens and others during the Spanish Civil War. She rejoined the Battle Fleet in the Pacific later in the year.
In 1940, Oklahoma’s base was shifted from the U.S. west coast to Pearl Harbor, Hawaii. She was at Pearl Harbor when the Japanese attacked on 7 December 1941. Moored outboard of USS Maryland (BB-46), she was hit by a great number of Japanese Type 91 aerial torpedoes. With her port side torn open over much of its length, Oklahoma rapidly rolled over and sank to the harbor bottom, with the loss of over 400 of her crew. Many of the men trapped in her upturned hull were cut free through the intense efforts of Sailors and civilian Navy Yard employees.
During 1943, Oklahoma was the subject of a massive salvage undertaking, involving turning her upright, patching her damages and refloating her. She was drydocked late in the year to be stripped of guns and other equipment and repaired sufficiently to make her relatively watertight. Too old and badly damaged to be worth returning to service, Oklahoma was formally decommissioned in September 1944. She was sold for scrapping in December 1946, but sank while under tow from Hawaii to California in May 1947.

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SNL – CENTENARIANS OF OK

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Helen Grace Olson

Helen Grace Olson of Bethany was born & grew up in Weeping Water, NB. She has traveled to 43 states as an RVer, was always very active in the Nazarene church, loves fried chicken, holidays and family reunions. Her words of wisdom: Never go to bed angry with your spouse. And follow the words of Proverbs 3:5-6: Trust in the Lord with all thine heart; and lean not unto thine own understanding. In all thy ways acknowledge him, and HE shall direct thy paths.

Frances Lovena Weger

Frances Weger was 100 in January and we’re still celebrating in Luther. She and her husband were residents of Lawton for 73 years and traveled with Campaigns for Christ on two trips to Germany and all over the U.S. She made baby quilts and wedding quilts for each of her eleven grandchildren. In her later years, she visited nursing homes, taking banana bread to the “elderly,” although she was in her 80s.

Doyle H. Clenney

World War II Army Air Corp Veteran Doyle Clenney will be 100 tomorrow, October 30! An ordained minister with the Assembly of God Church, Doyle had the special honor to preach at the historic St. Paul’s Episcopal Church in Norfolk, Virginia. Doyle’s words of wisdom are the bible verse “Trust in the LORD with all your heart and lean not on your own understanding.” (Proverbs 3:5). Happy 100th Doyle!

KNOW A CENTENARIAN?
If you know of a Centenarian you would like to honor, please visit
http://centenariansok.com/ and download, complete and submit our form. One of our team members will contact you directly with the next steps.

https://www.cremation-okc.com/

Senior helps Salvation Army create animal shelter

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Chuck Musgrave helped fund the Salvation Army’s new dog shelter to help further the Army’s outreach.

Story and photos by Bobby Anderson, Staff Writer

This winter is about to be a little warmer for a few homeless four-legged friends thanks to Chuck Musgrave and the Salvation Army of Central Oklahoma.
Musgrave helped cut the ribbon on the Army’s new dog shelter recently just as the temperatures began to fall.
Musgrave first learned of the project at his Edmond Rotary Club meeting a while back.
The Salvation Army was making a presentation on the variety of services the group offered to Oklahomans.
It wasn’t until after the meeting when he approached a Salvation Army member and asked a question that he got involved.
“I asked them ‘what do you really need? What is it that’s not in your budget that you really need,’” Musgrave recalled. “They explained to me that this was really a pretty vital project of the services that needed to be provided and the people that needed to be served.
“It interested me.”
Salvation Army Advisory Board Chairman Ryan Frace grew up with a father who was a veterinarian. He understands the bond that exists between people and animals and this project was a reminder of that.
“This is an extension of the Salvation Army’s reach here in Central Oklahoma to help individuals and to help their families as well,” Frace said. “I’m honored today to welcome you to the opening of this new kennel for guests that are staying at the shelter that also need support for their family member which happens to be a four-legged family member.”
Every Thursday night a group of Salvation Army volunteers drives into sections of OKC reaching out to the homeless population through Night Watch to serve with compassion, and provide food, blankets, clothing, or toiletries.
Frace has been on those missions and noticed something each time out.
“I know how important pets are in everybody’s lives,” Frace said. “We would go out and it was so prevalent how often people would have an animal with them as a companion as protection and they would make the choice to stay on the streets – sometimes in extremely harsh, inclement weather and dangerous environments to stay with their pets rather than have nowhere for the pet to go and them to come into a shelter.”
Frace said the Salvation Army is breaking new ground in terms of solving the issue that so many face when it comes to deciding between their safety and the safety of their pets.
The shelter itself is fully plumbed with heating and cooling allowing dogs to safely avoid inclement weather less than 100 yards from where their humans will be staying for the night.
Musgrave already was familiar with the Salvation Army and the good it does. He’s routinely worked with the Buck$ 4 Bikes program where the Women’s Auxiliary and its community partners work to raise funds to provide a bike to every child who asks for one during The Salvation Army’s Angel Tree Program.
Oklahoma Bicycle Society generously donates a new bike helmet for each bike. Last Christmas, Buck$ 4 Bikes was able to provide 594 Christmas wishes to Angel Tree children who requested bikes.
Musgrave is now retired but formerly served as president of Sunbelt Industries, a recycler of aluminum oxide abrasives.
“The thing that called to me was the real need was there but nobody had the capacity to meet the need and the Salvation Army was trying to step up,” said Musgrave, a lifelong dog owner. “The thing about doing business with the Salvation Army is you know the money is not going to be wasted and is going to be meeting the critical needs of people. That makes it a real safe place to participate.”
Musgrave also works with the local Pet Food Pantry so the pet connection was natural for him.
“What I learned at the Pantry was there are people that will feed their pets rather than feed themselves,” he said. “When you think about when you’re alone and don’t have a community support system then your pet is your support system. They think of them like their brother, their sister, or their baby and they’re not going to leave them out.”
Approximately 30 million Americans receive assistance from the Salvation Army each year through a range of social services including outreach to the elderly and ill.
The Salvation Army uses 82 cents of every dollar donated to support those services in 5,000 communities nationwide.

Findusonfacebook: https://www.facebook.com/TheChateausinMoore/

SAVVY SENIOR: Daily Money Managers Can Help Seniors with Financial Chores

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Dear Savvy Senior, Can you recommend any services that can help my elderly mother with her financial chores? My dad always used to handle the bill paying and paperwork, but he passed away last year, and mom struggles to keep on top of things. And I don’t live close enough to help her on a regular basis. — Concerned Daughter

Dear Concerned,
It sounds like your mom could use a good daily money manager (or DMM). These are financial savvy professionals that can help older adults who have difficulty managing their own day to day personal financial affairs.
The types of services they provide typically includes paying bills, maintaining financial records, balancing checkbooks and negotiating with creditors. DMMs can also prepare checks for clients to sign, help older people organize bank and financial records, prepare and deliver bank deposits, gather and organize documents for tax returns, help decipher medical bills, and review bank statements in order to detect potential financial abuse or fraud.
Where to Find DMMs
Depending on where your mom lives, DMM services may be available through private non-profit elder assistance organizations or government agencies. These agencies often use volunteers to provide basic DMM tasks, such as bill paying at no cost. To find out if this is available in your mom’s area contact her Area Aging Agency. Visit ElderCare.acl.gov or call 800-677-1116 for contact information.
In addition to the non-profit DMMs, an increasing number of individuals and private for-profit companies have started offering DMM services for a fee. Cost for these services varies by region but it often ranges between $25 and $100 per hour. Most clients need approximately four hours of services per month, but this too varies according to the complexity of the person’s financial situation.
The best place to look for a professional DMM in your mom’s area is through the American Association of Daily Money Managers (AADMM.com), which offers an online directory that lets you search by ZIP code. All the pros listed there have signed the group’s code of ethics. Some have passed a certification exam to earn the designation of Certified Daily Money Manager.
Before hiring a daily money manager, however, get references from two or more of their clients and check them. Also, find out what they charge and what type of insurance coverage they have. Keep in mind that neither federal nor state governments regulate the DMM industry, so there is little oversight of these services. So before turning over your mom’s bills, make certain it’s someone you can trust.
One other highly rated bill-paying service you should know about that’s specifically designed for older adults and caregivers is SilverBills (SilverBills.com). Available nationwide, this is a secure concierge bill management service that will manage your mom’s bills and pay them on her behalf, on-time and correctly, for a flat fee of $50 per month.
If you opt for this service, your mom will be paired with an account manager who will communicate and work with her over the phone, or through email, text or mail (her preference) – no computer is required. SilverBills also reviews all bills for errors and fraud and provides monthly statements showing the date, amount and manner of each payment.
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.

https://www.facebook.com/belinda.gray.986

Nursing Professor Celebrates 48 Years of Teaching UCO Students

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Nelda Fister, M.S., R.N. serves as Assistant Professor for the Department of Nursing at the University of Central Oklahoma. She started a “worry envelope” for students to privately share their school/personal worries.

Story and photo by Van Mitchell. Staff Writer

Nelda Fister, M.S., R.N. was born into nursing, and she continues that path today at age 80, as Assistant Professor for the Department of Nursing at the University of Central Oklahoma.
She is serving in her 48th year of teaching at UCO, where she works with 150-170 students each semester.
“I always wanted to be in nursing,” she said. “I grew up on a farm and there were a lot of good doctors/farm families/role models that helped me look at that road.”
Fister was the only member of her family to go to college. She graduated from Oklahoma Baptist University in 1965.
“College was never not going to be an option,” she said. “Neither of my parents completed high school. My mother quit school when her mother died so she could stay home and care for her younger siblings. My father served in World War I, and was preparing to prepare for duty for World War II, when he was notified, the war had ended. Following my parents’ marriage, they settled in the Oklahoma Panhandle and began a hard life of farming during the Depression. It was important to them that their daughter receive a good education, as they believed it would bring opportunities they did not have. They (parents) were going to make it work and they did.”
Fister said her parents’ faith helped shape her desire to help others.
“My parents’ belief in God guided their life, and I learned at an early age that the development of a strong value system, and caring for others was important,” she said. “I was very lucky to have a stable home that provided positive guidance as I navigated the developmental tasks of childhood.”
Prior to beginning her teaching career, she was pediatric supervisor at Wesley Hospital in Oklahoma City. She joined UCO after several years on the faculty at Oklahoma Baptist University.
“I have seen a lot of changes,” she said. “I have worked under six presidents at UCO, and have (taught) thousands of students.”
Fister serves on multiple committees as well as the UCO Faculty Senate.
Her focus on the importance of community involvement was pronounced through helping establish pediatric triage following the April 19, 1995 Alfred P. Murrah bombing.
She has served as Mace Bearer for UCO Commencement Ceremonies, and has multiple honors including the first Excellence in Education Award for Sigma Theta Tau Beta-Delta-Chapter-At-Large. She received the Neely Annual Excellence in Teaching Award in 2019.
The first nursing class from the nursing department at the University of Central Oklahoma graduated in 1972. Since that time, more than 3,500 graduate nurses have entered the workforce.
Students interested in earning a nursing degree from the University of Central Oklahoma now have multiple options for their education. Students may obtain their BS through the Traditional Track Bachelor of Science in Nursing, the Fast Track B.S. in Nursing and the Online R.N. to B.S. track. UCO also offers a two-year Master of Science in Nursing degree.
Fister said success in and out of the classroom requires hard work and dedication.
“Success in the nursing program and later in the profession requires a high degree of responsibility,” she said. “Success in the professional domain is the final outcome of this education. “My goal has been to provide students with an intentional direction to develop study methods that will ensure success as they expand their knowledge base, think critically about concepts, and apply knowledge in a variety of settings. I want them (nursing students) to grow academically, but I also want them to grow professionally.”
Fister’s care for her students reached a new peak this year with the implantation of a “worry envelope” that is posted on a bulletin board outside of her office.
She said it allows students to write down their worries in private.
“They write down their concerns, and if they want me to, I will pray for them,” she said.
Fister said she isn’t sure if this will be her last year teaching at UCO, but adds she has plenty of outside interests including cooking and sewing that would keep her busy.
“I think I am making a difference,” she said. “I keep saying this is going to be my last year, and then I have students send me a note that says you made such a difference. That is what keeps me here. This place has been so much a part of my life. I don’t know what I am going to do, but I have a lot of interests, so I will be okay.”

Nancy Olson Livingston had a front-row seat to entertainment history

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Nancy Olson, as she was credited, and William Holden publicity still - Paramount Pictures
Cover of Olson Livingston’s book.

By Nick Thomas

Aside from the songwriters, imagine being the first person on the planet to enjoy the words and music of some of the greatest classic songs to ever appear in Broadway and Hollywood productions.
Nancy Olson Livingston did not have to imagine. As she writes in her new November autobiography, “A Front Row Seat,” her lyricist husband Alan J. Lerner and composer partner Frederick “Fritz” Loewe would regularly serenade her with their latest compositions throughout the 1950s.
“We were living in New York and I remember one time being awoken at three in the morning by Alan and Fritz who were shaking the bed saying, ‘Nancy, Nancy, you have to get up!’” recalled Olson Livingston from her home in Beverly Hills.
A bitterly cold night in the midst of a New England blizzard, the wildly excited songwriters forced her into a heavy coat, galoshes, and scarf as Lerner led his sleepy wife across the snow-covered road to their studio.
“You have to listen to something,” they insisted, depositing her in an armchair near the piano.
 The pair began acting out scenes from their new play and then performed “The Rain in Spain” to their wide-eyed solo audience. The song was one of over a dozen Lerner/Lowe classics that would be used to score the 1956 Broadway debut of “My Fair Lady” with Rex Harrison and Julie Andrews, then 8 years later on the big screen soundtrack featuring Harrison and Audrey Hepburn.
Whereas the original Broadway production continued into the early 1960s, the marriage to Lerner did not. The pair remained together from 1950 to 1957 when Lerner co-wrote songs for “Brigadoon” and “Paint Your Wagon.” But by the time audiences were enjoying his hits in “Gigi” and “Camelot,” the couple had divorced.
Fortunately for Nancy, she married Alan Livingston several years later, a union that lasted 47 years until his death in 2009. Livingston was another giant in the music world, an entertainment executive who eventually became president of Capitol Records in the early 60s. He signed an aging Frank Sinatra to a record deal, produced Don McLean’s “American Pie,” and was instrumental in bringing the Beatles to the U.S. He even co-wrote the novelty song “I Taut I Taw a Puddy Tat” and created the character of Bozo the Clown.
Unlike her first Alan, Alan number two was a faithful and devoted husband and the love of Nancy’s life. At 94, she still lives in the same house the couple built in 1965.
While certainly a dutiful hostess who supported the careers and social demands of both spouses, she also enjoyed success as an actress. Credited as Nancy Olson in film and television roles, she is often best remembered for her appearance in 1950’s “Sunset Blvd” playing the ingénue role with William Holden and Gloria Swanson. She went on to work with Holden in several more films.
“We formed a lasting friendship,” she said. “One time Alan (Livingston) and I were flying to London and were at Kennedy airport when I heard a voice calling from the other end of the hallway – it was Bill (Holden). We ran to each other and hugged which was very emotional. All of a sudden, a stranger walked up and taps us both on the shoulder and said, ‘excuse me, but this is better than watching an old movie!’”
Many more stories outlining her movie career, extensive charity work, and life married to two extraordinarily talented men are described in Olson Livingston’s book, which she divided into over 100 easy-to-read chapters.
“I could have written many more,” she says, “but each one in the book represents important moments in my life.”
Nick Thomas teaches at Auburn University at Montgomery, in Alabama, and has written features, columns, and interviews for numerous magazines and newspapers.  See www.getnickt.org.

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