Cutting-edge, non-surgical treatment at OU Medicine targets chronic stuffy nose
An Oklahoma woman is one of the first patients outside of a clinical trial to experience the benefits of a new, non-surgical treatment for her chronic stuffy nose.
Most of us have experienced a head cold so bad that it leaves you so stuffed up you can no longer breathe through your nose. For Denise Crozier, 56, it wasn’t a cold causing her chronic stuffed up nose or the pain and pressure that accompanied it. The Oklahoma City woman suffered from nasal polyps, soft, non-cancerous growths on the lining of the nose or sinuses.
“When you get a lot of inflammation, the lining of the nose becomes very swollen and redundant, and it forms a round structure that basically fills the nasal cavity,” explained Dr. Kibwei McKinney, an ear, nose and throat specialist with OU Medicine.
Surgery had been the first line of defense for patients like Crozier for whom treatment with oral steroids has failed.
“I had four surgeries in Seattle before moving to Oklahoma, and then since I have been here, I’ve had three,” Crozier said.
Each time, the surgery would initially bring relief, but before she knew it, the polyps would be back.
“Each time, she got some temporary relief, but almost like clockwork, it would come back and she would have a return of her symptoms,” McKinney said.
This time, though, McKinney returned from a recent conference with a new treatment option for Crozier a newly-approved, non-surgical treatment. It utilizes a tiny sinus implant. He explained to her that it could be placed without pain during a visit to his office at OU Medicine.
The implant is a small teardrop-shaped device that when deployed appears a bit like a badminton birdie. It’s placed under the guidance of an endoscope.
“I actually have a camera and scope that I look through to see the anatomical structures and then I place the splint with minimal discomfort,” McKinney said. “It basically stints open the cavity and then over time it treats the surrounding tissue with steroids, which are very effective at controlling polyp growth. As the steroid is leached out, the polyps occupying the space begin to melt away and the pressure associated with them also goes away.”
As a nurse, Crozier did her homework and quickly realized that this treatment could offer relief and save her from another trip to the operating room.
“Anything to keep me out of the OR is fantastic,” she remarked.
The device was placed quickly and without pain during an office visit with McKinney.
“They numbed me up, so I really didn’t feel a thing,” Crozier said.
After several months, she returned to McKinney’s office to have the device removed; and just as it had gone into place under endoscopic guidance, it also was removed that way in just a matter of seconds.
Crozier’s eyes watered just a bit, but she said there was no pain and the relief she has experienced has been incredible.
“It’s wide open in there. There are no polyps or anything. It works. It’s great,” she exclaimed, adding that she would easily recommend the procedure to anyone else facing the same battle she has faced with nasal polyps.
Specialists at OU Medicine say the new treatment provides a valuable option for patients unable to take oral steroids, as well as for those who are not good candidates for surgery or for whom repeated surgeries have failed to bring relief.

story and photo by Bobby Anderson, Staff Writer

A cough. A sniffle.
You feel something coming on. But what next?
You can call your doctor and hopefully get an appointment sometime in the next couple weeks.
Or you can get in your car and head to the local urgent care clinic and wait with 20 or 30 others doing the same thing.
What if there was a better way?
That’s what Dr. Mark Prather thought in 2013 when he came up with a unique service model that would eventually become DispatchHealth.
“Really anything you can think of you would get in your car and go to urgent care for but more,” Dispatch Community Engagement Manager Tiffany Traxler said, explaining the service that has recently expanded into the metro.
DispatchHealth is bringing back the house call with a modern technology twist. DispatchHealth gives patients ways to access convenient, high-quality acute care in the comfort of their home at the time of need.
DispatchHealth is redefining the healthcare landscape as an extension of a patient’s healthcare team and offering solutions for simple to complex medical problems all from the comfort of your home.
The concept dates back to 2013 when Prather was running the emergency department in Denver for Centura Health.
“They asked Dr. Prather if he could come up with a system that could be delivered safely in the home for patients who go to the emergency room with urgent needs but not emergent,” Traxler explained. “He knew the need and he knew how to make things mobile.”
“He started going out on calls.”
Working with the ambulance service through the 911 system, Prather helped more than 400 patients in 18 months in the comfort of their own homes.
The total cost savings to the health system was more than $1 million.
But saving patients the time, expense and hassle of an ER visit was priceless.
The model has spread like wildfire to Colorado Springs, Richmond, Phoenix, Las Vegas, Houston, Oklahoma City, Tacoma, Dallas and Springfield.
Blue Cross and Blue Shield – one of Oklahoma’s largest insurers – quickly saw the value.
“Blue Cross and Blue Shield saw what we were doing and the impact we were making,” Traxler said. “For the 65-and-under patient if you have Blue Cross and Blue Shield it’s an urgent care co-pay. For 65 and up all Medicare, Medicaid and Medicare Advantage plans … we bill as an urgent care.”
For some that can mean an urgent care visit in their home for less than $50.
Services include testing such as: blood tests on-site, strep test, flu swab, urinalysis, urine cultures, stool culture, test for blood in stool, pregnancy test, lactate, 12-lead EKG, PT/INR, rapid infectious disease testing and more.
Dispatch also provides medications such as: anti-inflammatories, IV antibiotics, IV fluids, prednisone, lasix, antiemetics, flu medications, laxatives, stool softeners, heartburn prevention, glucose gel, anesthetics, migraine cocktail, antihistamines and more.
IVs can be placed and fluids begun all in your home.
Breathing treatments can also be administered.
AVOID THE BUG
Last year’s influenza outbreak was one of the worst in nearly a decade and the severity of the outbreak was extreme. In fact, The Center for Disease Control and Prevention (CDC) recorded over 20,000 positive flu tests per week at the height of the outbreak.
While most seek treatment at an emergency room (ER) or urgent care clinic, when leaving one’s home the virus can be immediately exposed to others and cause further spread of the flu. Also, ERs and clinics can easily become overwhelmed with a high number of sick patients during flu season, leading to overcrowding, lengthy wait times and even physician burnout.
Adults can infect others one day before their flu symptoms even develop and can pass on the virus up to a full week after becoming sick.
“Flu comes on very, very quickly. If it’s 2 p.m. and you realize you don’t feel well you’re not going to get into your (doctor’s office),” DispatchHealth Market Director Amy Evans said. “With flu if you can get those anti-virals within that first day or two it cuts down on the length of flu.”
“When you’re talking about the elderly population and people with compromised immune systems that 12 hours means something.” To request on-demand urgent care brought to you call 405-213-0190

Oklahoma State Department of Health (OSDH) Interim Commissioner Tom Bates has appointed Dr. Edd Rhoades as Chief Medical Officer for the agency. Dr. Rhoades has been with the agency for 40 years and is currently serving as the Medical Director for Family Health Services.
“Dr. Rhoades has served the state and this agency with integrity in a number of key positions over the years and it is appropriate that he should be the first person to fill this important role,” said Commissioner Bates. “The establishment of a Chief Medical Officer aligns with the public health structure of many other states and will provide guidance to our core mission.”
The Oklahoma State Board of Health approved creation of the position at their Sept. 14 meeting, following a recommendation that was included in a corrective action plan provided to the legislature in January. The Chief Medical Officer will advise agency leadership on medical and public health issues and provide medical oversight and consultation to agency service areas and county health departments. Under the current organizational structure, the Office of the Commissioner continues to focus on improving the financial operation and organization of the agency to ensure efficient delivery of core services.
A graduate of the University of Oklahoma School of Medicine, Dr. Rhoades also holds a Masters of Public Health in Health Administration from the University of Oklahoma College of Public Health. He is a Diplomate of the American Board of Pediatrics and has received numerous awards for his work in maternal and child health and environmental protection. Among his honors are the Joan K. Leavitt, M.D. Award from the Oklahoma Public Health Association and the Mike Synar Environmental Excellence Award.
“I’m looking forward to working with Commissioner Bates and the senior leadership team to provide guidance for the agency as we continue to focus on issues that will improve the health of all Oklahomans,” said Dr. Rhoades. “I’m honored to have this opportunity to share my experiences and promote the great work being done by all of our public health professionals.

story and photos by Bryan Painter

GRANT – The cliche is that time flies.
Cattlewoman Brenda Schulz, who ranches near Grant in southeastern Oklahoma’s Choctaw County, won’t argue that point.
However, two 100-year floods in 25 years is more like time sprinting rather than just marching on.
“Some of our toughest times have come from floods,” Schulz said. “Along with the wonderful aspects of having your farm and ranch in the fertile ground of the Red River comes the possibility of flooding. Curt and I have survived not one, but two, of the so called ‘100 year floods.’”
Guess what Schulz thanks for making it through those two experiences? Her cows.
Thanks to the cows
The first of those two floods Schulz is referring to came in 1990.
The May Monthly Summary that year from the Oklahoma Climatological Survey reported that the agricultural-related floods losses exceeded $57 million.
“We had leased farm ground that completely flooded,” Schulz said. “We survived, mainly due to the diversification our cattle provided. Our cattle pastures were up on the prairies around Soper, Oklahoma at this time.”
Then came the floods of 2015.
Gary McManus, state climatologist with the Oklahoma Climatological Survey, said that after being really dry for the first four months of the year, 2015’s “Super El Nino” ended up inundating far southeastern Oklahoma in May and June, and then again in November and December.
“That area near Grant in Choctaw County ended with their wettest year on record, with most of that rain falling within a select few weeks during those four months,” McManus said. “In other words, it was way too much water, concentrated into very short time frames, for the local rivers and reservoirs to handle.”
Schulz said the Red River overflowed its banks and half of their ranch flooded in May. She’s lived in Oklahoma long enough to have seen droughts turn dreams to powder. So she doesn’t curse the rains, she just respects them.
“After the water receded enough to flow within its banks again, areas north and west of us received a lot more rain and the Red River overflowed its banks once again in June,” she said. “We were not able to grow grain crops on our farm ground that year, it was too late in the season and the cows needed it for pasture. The cows have helped us survive those trying times.”
A small world
Schulz witnessed/experienced agriculture from a lot of different geographical viewpoints before landing in Oklahoma in 1984.
Not only did she grow up in North Dakota, she studied animal science at the University of Minnesota and worked with a veterinarian in Colorado where she met her husband Curt. They married in 1983 and a year later moved to Choctaw County, where his parents Delvin and Delores Schulz farmed and ranched.
“We started a beef cow herd as soon as we could,” Brenda Schulz said. “I loved being back around cows and horses. Curtis was custom farming and spraying. We rented farm ground and raised corn and soybeans.”
That was the start.
Today, 34 years after settling down in Choctaw County, they raise Angus cattle, corn, small grains, hay and pecans on 1,500 acres along the banks and in the bottoms of the Red River, south of Grant.
Schulz believes it was meant for her to live here, farm here and ranch here. Why?
Even though she was raised in North Dakota, Choctaw County is within 45 miles of her father Tom Secrest’s birthplace. Her grandfather was a sharecropper cotton farmer around Deport, Texas.
“He decided to settle his young family in east Texas when my grandparents’ wagon broke down, crossing Red River slate shoals,” she said. “These shoals are within 10 miles to the east of Stoneybroke Ranch, which is Curtis’ and my farm and ranch. It’s really a small world. I believe I have come back to my roots.”
Those roots are extending as daughter Kylee and son-in-law Keith Edge (superintendent of Boswell Schools), along with grandsons Kollin, 16, Kamden, 14 and Kolson, 12, take care of their cow/calf operation. They also help out at Stoneybroke Ranch with projects ranging from laying water lines to checking cattle.
Listen close
Cattle and horses aren’t something Schulz just tends to, she cares for them. That was evident as a child when she was around her parents breeding operation of Paints and Quarter Horses. It was evident in what she studied in college and then in the job she took working for the veterinarian. It was evident in how she gives credit to cattle bringing their operation through the floods.
It’s still evident today, especially if you listen real close during certain times of the year.
“In the spring, the cows are calving and all the babies are testing their legs, running and playing,” she said, adding that they tag and vaccinate every calf within 24 hours of birth. “I get to talk to and check the cows for new calves.”
Yes, “talk to.” What do you say?
Schulz said she would softly say something like, “You sure had a pretty baby, didn’t you? Good Mama!”
It is an enjoyable experience like that, that makes time fly at a comfortable pace.

David Kallenberger, M.D., and Crysten Cheatwood, D.O., are physician partners who practice obstetrics and gynecology at INTEGRIS Baptist Medical Center in Oklahoma City. But what makes their partnership so extraordinary, is that they share a professional and personal bond very few will ever experience.
Cheatwood has known Kallenberger her entire life – literally. In fact, he was the one who physically brought her into this world, as the physician who delivered her as a newborn. “I could not have imagined 33 years ago when I delivered Crysten that she one day would be working with me,” admits Kallenberger. “This is indeed a full circle moment for me.”
“He was my grandmother’s OBGYN then he was my mother’s doctor, so I was familiar with his name and reputation very early on,” says Cheatwood. “I can remember being young enough that my mom would make me stay in the changing room during her exams.”
“I also saw Dr. Kallenberger at all of my mom’s prenatal visits when she was pregnant with my sister. He could tell I was curious so he was always asking me questions and volunteering information regarding my mom’s pregnancy. He made it a point to include me in all of the conversations.”
Kallenberger was equally impressed with young Cheatwood. “She made an impression on me at a very young age. She would ask questions that were very inquisitive and profound for a 12 year old. She was always probing for more information.”
Cheatwood remembers being fascinated by medicine and almost obsessed with her mother’s pregnancy. “I attended every doctor’s appointment. I even read the “What to Expect When You’re Expecting” book with my mom. I was completely invested.”
The day her sister, Hannah, was born, Cheatwood was in the delivery room. That is when her fate was sealed. “I was standing with my dad at the head of the bed when Dr. K walked into the room. He said, ‘Crissy… do you want to deliver this baby?’ Wondering if he was actually serious, I nodded my head yes. He said, ‘go over to the sink and wash up to your elbows, we’ll help you with some gloves.’ He told me where to put my hands and then put his hands over mine. And then he talked me through the whole thing!”
From that moment on, Cheatwood knew exactly what she wanted to be when she grew up. She wanted to be an OBGYN just like her newfound idol, “Dr. K.”
“She was a natural,” says Kallenberger recalling her sister’s birth. “She was not shocked, she just jumped right in without question and working with my hands literally delivered her sister. It was an amazing experience. In a way, a doctor was also born that day.”
Cheatwood shadowed Kallenberger several times during high school, college and medical school. She did a couple rotations with him again during her residency training. Now, with her medical degree in hand, she is Kallenberger’s newest partner.
Cheatwood remembers the moment he made her the offer to come work with him. “I was speechless initially, again wondering if he was actually serious. And then I nodded my head yes. It was wildly similar to the reaction I had when he asked if I wanted to deliver my sister all those years ago.”
“I feel like I’ve been shadowing him for 22 years,” laughs Cheatwood. “He has afforded me a tremendous amount of encouragement and exposure. He is a phenomenal teacher and an exceptional physician. I hope to continue following in his footsteps.”
Kallenberger has no doubt that Cheatwood will tread her own path, and is beyond proud of the physician she has become. “It is somewhat surreal working with her but I have worked with her so many times over the years as a mentor or as faculty that it feels natural.”
“I don’t know that this is necessarily a passing of the torch,” continues Kallenberger. “But I do want to groom her to be able to take over my practice one day when I decide to retire. It is comforting to know that someone with her compassion and skill set will be available to take care of my patients in the same way that I have tried to do over the last 42 years.”
Kallenberger estimates that he has delivered more than 15,000 babies in his lifetime. While he says some of them have grown up to be doctors, he says Cheatwood is the first he’s ever had the privilege to call partner.
“The transition we’ve made from student/teacher to colleagues has been interesting and entertaining,” Cheatwood jokes. “A few days after I started here, he told me to call him David now. I still can’t do it without laughing a little bit. I’ve heard people talk about their “work wife” or “work husband.” We definitely have a “work father/daughter” relationship. I have so much respect for him. He’s been such an advocate for me as a new physician. Even though I’m working beside him now, I will always look up to him.”

Just a few years ago Nancy Hughes could lift mountains of paperwork, rearrange office furniture and stand on her feet for hours at a time. As executive assistant at the Oklahoma Public Employees Association, the petite fiery redhead put in long hours at her job helping give state employees a voice in government.
Back in 2003, Nancy learned she had breast cancer. She underwent a mastectomy, rounds of chemotherapy and the cancer went into remission. In 2014, however, it came back with a vengeance.
“I first noticed something was wrong when I bent over to pick up something,” she said. “I felt something pull, and had trouble walking. After about a month I went to a chiropractor about my back. He took x-rays, and they showed either severe osteoporosis or the cancer was back and in my bones.”
A trip to her oncologist revealed the cancer had indeed spread.
“I had no idea breast cancer could come back like that,” Nancy said. “This time I was scared. During the time I was cancer-free, I had been participating in the Oklahoma American Cancer Society’s Making Strides Against Breast Cancer walk, and the Relay For Life. I liked being a beacon of hope for others that this disease could be beat.”
So once again she began the treatments, hoping for a positive result.
“This time it was radiation to my hip, spine and right arm,” she said. “It helped with the pain I was having but I do not remember much about that time. I lost control of my body functions, could barely walk and did not eat much. My employer offered me six months of leave to keep my insurance and then social security kicked in, so I took it. I could no longer do my job and was actually a liability to them.”
More than four years after her cancer re-occurrence, the disease has been relentless.
“When it came back, it had spread throughout my bones,” Nancy said. “My right arm fractured, and I had to wear a brace for two years to keep it stable. The bone was almost clear and looked like Swiss cheese. I had the option of getting surgery to put a rod in to stabilize it, but there was a possibility I could lose all the use of that arm. Even having limited use was better than losing it all, so I chose to not have the surgery.”
Using the services offered at the Oklahoma American Cancer Society has been a godsend, Nancy says. The organization offers wigs, scarves, and turbans, all free of charge to cancer patients. They also provide free rides to and from treatment in the Road to Recovery Program.
“Helping people like Nancy is at the heart of what we do every day,” said Jennifer Redman, OKACS program manager. “Not only do we have an entire wig room, but transportation is consistently named as one of the top needs for cancer patients. Our volunteer driver program ensures patients complete their treatment and we can increase the number of cancer survivors. We always need more volunteer drivers and have our own fleet of vehicles. So if you have some time to volunteer, we can always use the help.”
While each day is a struggle, Nancy refuses to let the disease dampen the positive attitude that has carried her through life.
“When I wake up every morning, it is a gift of life,” she said. “I could choose to wallow in pity and feel sorry for myself, but what does that do? I choose to enjoy each day and hope a cure will be found in my lifetime. Sometimes the dark side will come through. Like a day or so ago I realized once my hair is gone this time, I will most likely be bald the rest of my life. That sucks. But I must play the cards I am dealt, so I will save a few bucks on shampoo and conditioner! It’s all about re-framing the negatives and finding the positives.”
Nancy says her family is her foundation. Her husband Mike, their two daughters and four grandsons all pitch in to make life as normal as possible. And throughout her journey, she continually finds new ways to reinvent herself and help others.
“Sharing my story with the Oklahoma American Cancer Society and others is so important,” Nancy said. “I want everyone to know the big ‘C’ word is not always a death sentence. It does not always return like it did for me. Stay hopeful, happy and enjoy what you can. Don’t dwell on the horrible parts, just try to look for the good in everything. Believe me, it is there.”

The March of Dimes Oklahoma Chapter recently honored an OU Medicine nurse at its annual Nurse of the Year awards. Mandy Nelson, APRN in the medicine specialty unit at OU Medical Center, was named Nurse of the Year in the Advanced Practice category.
The Oct. 4 event celebrated nurses in more than a dozen categories, all of which were nominated by colleagues, supervisors or families they have served, according to the March of Dimes website. A selection committee of health care professionals selects the most outstanding nurse in each category.
Two additional OU Medicine nurses, Callie Tkach, RN in the NICU at The Children’s Hospital, and Susie Jones, APRN and Vice President of Quality/Safety and Nursing Practice at OU Medicine, were finalists in the Neonatal/Pediatric and Advanced Practice categories, respectively.
“Mandy and our finalists, Callie and Susie, are incredibly deserving of this honor,” said Cathy Pierce, Chief Nurse Executive at OU Medicine. “Our nurses work tirelessly to improve the lives of our patients and families. They truly represent the best in their fields and the best of OU Medicine.”

Scientists at the Oklahoma Medical Research Foundation have broken new ground in understanding how the lymphatic system works, potentially opening the door for future therapies.
The lymphatic system is a network of vessels and lymph nodes that spans the entire body. It is critical for good health and for the body to function properly. Defects in lymphatic vessels cause lymphedema, a disease characterized by dramatic and painful swelling in the limbs that often leads to infections.
Lymphedema can result from congenital mutations, surgery, radiation treatment for cancer or infection, and there is currently no cure. In addition to lymphedema, defects in the lymphatic system have been linked to a wide range of health consequences: cancer, atherosclerosis, Alzheimer’s disease and obesity.
Sathish Srinivasan, Ph.D., and Boksik Cha, Ph.D., at OMRF previously discovered that a particular pathway—known as the Wnt signaling pathway—regulates the development of the human lymphatic vascular system. In new research, published in the journal Cell Reports, they’ve found “the nuts and bolts of this important pathway.”
“We have identified the signaling molecules that activate this pathway,” said Srinivasan. “We also have learned which cells produce the signaling molecules, how they are sensed by the cells and how they are used in lymphatic development.”
Srinivasan was recruited to OMRF from St. Jude’s Children’s Research Hospital in 2013. His lab at OMRF has already identified several target genes for lymphedema. Srinivasan said that, after further study, this new information could eventually help researchers develop better therapeutic options for lymphedema and associated disorders.
“This signaling pathway has proved difficult to study, because it is complex and so little is known about how it functions normally, let alone when it goes wrong,” said Srinivasan. “Wnt signaling is aggravated and increased in breast cancer and colon cancer, but it is deregulated in diseases like Alzheimer’s and lymphedema.”
Srinivasan said drug companies are interested in finding molecules that can be targeted, either to promote or inhibit Wnt signaling, depending on the disease. “Our goal is to find whether such drugs could be used to treat humans with lymphedema and see if their disease can be managed, made less severe or even cured,” he said.
Other OMRF researchers who contributed to this research were Xin Geng, Ph.D., Riaj Mahamud, Lijuan Chen and Lorin Olson, Ph.D.

Dear Savvy Senior, Can you provide some tips on how to choose a good estate sale company who can sell all the leftover items in my mother’s house?  Inquiring Daughter

Dear Inquiring,
The estate sale business has become a huge industry over the past decade. There are roughly 22,000 estate sale companies that currently operate in the U.S., up nearly 60 percent from just 10 years ago. But not all estate sale companies are alike.
Unlike appraisal, auction and real estate companies, estate sale operators are largely unregulated, with no licensing or standard educational requirements. That leaves the door open for inexperienced, unethical or even illegal operators. Therefore, it’s up to you to decipher a good reputable company from a bad one. Here are some tips to help you choose.
Make a list: Start by asking friends, your real estate agent or attorney for recommendations. You can also search online. Websites like EstateSales.net and EstateSales.org let you find estate sale companies in your area.
Check their reviews: After you find a few companies, check them out on the Better Business Bureau (BBB.org), Angie’s List (AngiesList.com), Yelp (Yelp.com) and other online review sites to eliminate ones with legitimately negative reviews.
Call some companies: Once you identify some estate sale companies, select a few to interview over the phone. Ask them how long they’ve been in business and how many estate sales they conduct each month. Also find out about their staff, the services they provide, if they are insured and bonded and if they charge a flat fee or commission. The national average commission for an estate sale is around 35 percent, but commissions vary by city and region.
You may also want to ask them about visiting their next sale to get a better feel for how they operate. And be sure to get a list of references of their past clients and call them.
Schedule appointments: Set up two or three face-to-face interviews with the companies you felt provided you with satisfactory answers during the phone interviews.
During their visit, show the estate liquidator through the property. Point out any items that will not be included in the sale, and if you have any items where price is a concern, discuss it with them at that time. Many estate companies will give you a quote, after a quick walk through the home.
You also need to ask about their pricing (how do they research prices and is every item priced), how they track what items sell for, what credit cards do they accept, and how and where will they promote and market your sale. EstateSales.net is a leading site used to advertise sales, so check advertising approaches there.
Additionally, ask how many days will it take them to set up for the sale, how long will the sale last, and will they take care of getting any necessary permits to have the sale.
You also need to find out how and when you will be paid, and what types of services they provide when the sale is over. Will they clean up the house and dispose of the unsold items, and is there’s an extra charge for that? Also, make sure you get a copy of their contract and review it carefully before you sign it.
For more information on choosing an estate sale company, see National Estate Sales Association online guide at NESA-USA.com, and click on “Consumer Education” then on “Find the Right Company.

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.