Expanding and strengthening their team and service

SYNERGY HomeCare proudly opened their doors over 5 years ago in Edmond, Oklahoma. Weama Kassem, CEO and President of SYNERGY HomeCare, has always dreamt of having a business that centered around caring for others; specifically, our aging community. Weama has been fortunate enough to attract a team of professionals with the same heartfelt drive and talent. The people Weama has assembled have accomplished some incredible things by always putting their clients’ needs and happiness first. The SYNERGY HomeCare team always refers to each other as “SYNERGY Family” and they work together to create an atmosphere of care and respect for each other and for their clients and families.
Weama opened her second office in December 2016 in Norman, Oklahoma. This enabled the company to reach and connect a larger clientele and reaching beyond Edmond and Oklahoma City. One of the most essential guidelines in opening the new location has been to duplicate their high standard of care. SYNERGY HomeCare does not use contracted caregivers, all are employees who must completed in-house training, along with continued monthly and quarterly training programs. This ensures the caregivers are not only qualified, but it strengthens the support and bonds within the company itself. Each caregiver is a Certified Nursing Assistant and/or a Certified Home Health Aide. They are each insured and bonded by SYNERGY HomeCare and strive to provide excellent care and support to both clients and their families.
SYNERGY HomeCare is very pleased to announce that Jeff Aynes has joined the SYNERGY Home Care Team as our Director of Sales and Marketing. Jeff has been a strong advocate for health care in Oklahoma for many years and will make a great leader on our team. Jeff is a father of two beautiful ladies and grandfather of two beautiful girls. He went to the University of Central Oklahoma and Oklahoma State University where he studied Marketing, Public Relations, and Broadcasting. Jeff is a Past President of Marketing Plus for Healthcare and currently serves as Secretary. He is currently serving as President of the Northside Marketing Alliance, as well as, Secretary. He has served in the community for many years as a member of the Shriner’s, Scottish Rite, Eastern Star, Amaranth, and Masons where he is a Past Master. He has been volunteering with Muscular Dystrophy, Cerebral Palsy Association, and Make Promises Happen Camp for over 25 years. His passion outside of Sales and Marketing is music. He has owned Jammin’ Jeff Entertainment for over 25 years and has performed over 1,800 events. Jeff joins the SYNERGY staff from AllianceHealth Midwest where he served as Director of Marketing for the Behavioral Health Program. Prior to going to AHM, Jeff served for over 5 years at Absolute Senior Care of Oklahoma City and A Premier Senior Home Care of Tulsa as their Director. We are beyond thrilled and honored that Jeff has chosen to join our team and know he is truly a valuable asset that will provide wonderful support to our growing company.
Together, Weama and Jeff, will be able to provide assistance to our aging community, education to our referral partners, knowledge to our team of growing caregivers, and a bright and smiling face to see each time you encounter them. Serving people is what SYNERGY HomeCare does every day and it is truly the drive and passion of both Weama and Jeff. With over 100 caregivers and five years in business, the SYNERGY HomeCare team stands ready to answer specific questions about care.
Whether you are a senior living on your own, with an aging spouse, or you have an aging parent – there are some key things to keep in mind when selecting a home care company. First, is the home care company licensed in the state? Companies are reviewed annually to determine their eligibility, and this is a perfectly normal question to ask a potential company. Ask to see a copy of their business license. Second, ask if the caregivers are employed by the company instead of being contract labor employees. It may seem beneficial to contract our work, but actually you can face many liability and scheduling issues down the road. Ask the provider to include client AND their family members in developing the plan of care. SYNERGY HomeCare has full-time RNS on staff to specifically build a plan of care for each new client and they spend the time you need to sort out every little detail. Lastly, ask for a list of references so you can check in on who you are considering to employ! We are all use to providing references when applying for a job. SYNERGY HomeCare is happy to answer questions like these anytime.
SYNERGY HomeCare is a group of Oklahomans that you can trust. Weama, Jeff, and the whole team are honored to provide care to this amazing community and welcome your call anytime, day or night!

SYNERGY HomeCare is located at 13720 N Bryant Ave. Edmond, OK 73013 405-254-3046
www.synergyhomecareedmond.com

The holiday season is approaching, and the Oklahoma City Fire Department has a few safety tips for your family and friends. A small fire can double in size every 30-60 seconds. Following these safety messages will provide a safer winter and holiday season. The holiday season is approaching, and the Oklahoma City Fire Department has a few safety tips for your family and friends. A small fire can double in size every 30-60 seconds. Following these safety messages will provide a safer winter and holiday season. Smoke Alarms· Working smoke alarms should be placed inside and outside each bedroom and sleeping area. Install smoke alarms on every level of the home including basements. The Oklahoma City Fire Department has a “Project Life” smoke alarm program. Firefighters will install smoke alarms at no charge for qualifying residents of Oklahoma City. Contact information 405-316-2337, www.smokealarmsokc.com or www.Gratisalarmasokc.com.  Residents outside of Oklahoma City can contact your local fire department or Red Cross. · Test smoke alarms once a month while practicing your escape plan. Practice your escape plan based on your mobility and always have a meeting place outside the home. · Replace batteries once a year. When replacing the 9-volt battery consider upgrading to a 10-year lithium battery smoke alarm.· Replace all smoke alarms after 10 years or before expiration date located on the backside. · People with hearing impairment can contact the Oklahoma Assistive Technology Foundation (OkAT), 888-885-5588 or email abletech@okstate.edu.     OkAT will install smoke alarms with strobe lights and bed shaker for qualifying Oklahoma residents. Apply at www.okabletech.okstate.edu. * According to the National Fire Protection Association (NFPA), “3 out of 5 fire deaths happen in homes with no smoke alarms or the alarms are not working.”Heating Safety·Keep space heaters a minimum of 3-feet away from anything that can burn. The 3-foot clearance must include people and pets. Never use extension cords with space heaters. Plug them directly into the outlet and ensure the space heater is the only item plugged into the outlet. Turn off and unplug when not in use or going to bed. ·Heating systems and chimneys should be inspected and cleaned every year by a qualified professional. Schedule your inspection and cleaning before use.  ·Keep metal fireplace screens or heat-tempered glass secured and in the correct position when in use. Discard cool ashes from the fireplace into a metal container. Keep the metal container at least 10-feet from your home.  ·Never use ovens, stove top, or open burning to heat your home. Open flame heat sources should have a venting system. The use of alternative heating sources inside your home could have deadly consequences caused by carbon monoxide poisoning or fire. ·Always follow the manufacturer’s instruction. ·Install Carbon Monoxide (CO) alarms outside each sleeping area and on every level of the home.      *According to NFPA, “Half of home heating fires are reported during the months of December, January, and February.”Holiday Safety·Don’t block exits with decorations. ·Follow manufacturer’s instruction and do not overload extension cords. ·Keep candles away from children and pets. ·Ask smokers to smoke outside. Wet all cigarette butts before discarding. ·Never leave food cooking on the stovetop unattended. Make sure you are alert when cooking. ·Cut 2 inches off the base of a live Christmas tree before placing in the stand. Add water to your tree stand daily. Don’t put heating sources or candles near the Christmas tree. Always turn off Christmas tree lights before leaving home or going to bed. ·Immediately remove the Christmas tree from inside your home after the holidays or when it is dry.  *According to NFPA, “Two of every five home decoration fires are started by candles.”Additional fire safety information is available at www.nfpa.org/Public-Education.
This is the first of a series of safetey articles provided by  Oklahoma City Fire Department, Oklahoma County Sheriff Department and the Oklahoma City Police Department.

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.”

by Bobby Anderson, Staff Writer

To say Mike Isaac’s resume is extensive would be an understatement.
EMT, police officer, detective, SWAT team member – all of it has combined into Isaac’s RN Nurse Manager role at JD McCarty Center for Children with Developmental Disabilities in Norman.
And for the past six years now, Isaac has been a nurse. But his past is almost as interesting as his present.
Fellow nurse manager Suanne Livingston likes working alongside Isaac and is constantly amazed by his background.
“He’s very organized and he’s very respected,” Livingston said. “He does a great job with staff. When he was a staff nurse he was a great staff nurse. I kind of defer to him as far as how he handles things employee-wise because he’s a little more hard-nosed than I am.”
“I learn a lot from him and I kind of watch and learn how he handles situations.”
Isaac worked in emergency rooms at night to help put him through college. He applied for PA school and quickly found it wasn’t a career track he wanted to pursue.
He spent some time in medical research and a couple other jobs before signing on with the Norman Police Department as an EMT for the ambulance service.
He attended the prerequisite police academy and later pursued his master’s degree. The only problem was working those 24-hour EMT shifts really took a toll on his studies.
So he decided to become a police officer instead.
“I said I would just transfer over and I did,” Isaac said. “I did really well and got promoted quickly and did a bunch of really good stuff but I got really interested in things involving mental health.”
A detective and eventually a supervisor, Isaac helped craft Norman’s policy on dealing with mental health subjects. His plans were carried over into department’s across the nation during his 27 years with Norman PD.
Isaac’s reputation earned him a spot helping craft officer-involved shooting policy.
“They weren’t getting the help they needed post-shooting,” Isaac said. “There were a lot of trauma victims involved with homicide and rape – two of the things I was assigned to – that weren’t getting follow-up care to prevent and treat post traumatic stress.”
Working with the FBI’s Behavioral Science unit in Quantico, Va., he helped craft policy to protect all involved.
“You didn’t take their gun right after a shooting. You took it as evidence but you replaced it,” Isaac said. “You didn’t put them on a desk job and treat them like they were unable to do work. Basically we wrote it so they would get a return to work slip.”
The process helped officers work through the ensuing mental and physical issues while protecting their personal health information. Inservice training was given and officers qualified again at the shooting range before easing back into their duties while riding with a supervisor.
“That was actually taken to Quantico for the national FBI academy that all law enforcement agencies around the world send people to.
“Our policy is still given out there.”
A friend mentioned he would be a perfect fit for nursing school.
“They sold me on this BADNAP program,” Isaac said of Oklahoma City Community College’s accelerated nursing program. “It was a great program. I wouldn’t do it again but it was a great way to get in and get employed and get out. I had a couple jobs before I even graduated.”
EMT, policeman, mental health advocate – you would think it all prepared him for nursing school.
“It did, but the pace was a great equalizer. It was just so fast. I don’t know how some of those people did it,” Isaac said. “I don’t know how some of those people did it, single heads of households with children to take to soccer games and other things.
“They were my heroes throughout. It was a great experience.”
Day and night, Isaac completed his ADN in eight months.
“It was tough but it was good. They don’t cut any corners,” Isaac said.
Assessment, investigation, report writing and observation – all skills Isaac honed in his former life have prepared him for a nursing career.
Nursing care plans are still vital. Different disciplines are heavily involved such as dietary and physical therapy.
He laughs when he admits his experience as Norman’s chief hostage negotiator still comes in handy.
But most days he doesn’t need it.
“The opportunity to see mostly the direct care staff grow in professionalism and responsibility so they can take ownership,” Isaac said of his greatest reward. “I always tell them when I interview it’s not a nursing home for kids.”

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.

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.”

With the installation of a twenty-four foot Blue Light Centerpiece this week, the Oklahoma Law Enforcement Memorial added the final piece to the newly repaired and renovated memorial plaza. The Oklahoma Law Enforcement Memorial is the oldest state law enforcement memorial in the United States, dedicated on May 15, 1969. A few years ago it was discovered the memorial was sinking after almost fifty years of withstanding Oklahoma weather and rain water flowing over and apparently under it. Donations were made and the work to repair and renovate the memorial started on December 15th of last year when the memorial stones were taken up and stored. The renovated memorial was for the most part completed and was rededicated during the Fiftieth Annual Memorial Service on May 18th of this year. The center piece was the only part not ready by the service.
This Sunday, November 4th at 5:30 p.m. during the Oklahoma Chapter of the Concerns of Police Survivor’s Annual Blue Light Ceremony the perpetual Blue Light Center Piece will officially be turned on as a constant reminder of the service and sacrifices of our law enforcement officers. The memorial is located on the west grounds of the Oklahoma Department of Public Safety Headquarters, 3600 M. L. King Avenue in Oklahoma City. The public is encouraged to attend.
The names of over eight hundred officers who have died in the line of duty in Oklahoma, both before and after statehood, are engraved on the memorial. See the memorial’s web site at www.oklemem.com for more information on the memorial and Oklahoma’s fallen officers.

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.

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.