Oklahoma City ballet dancers Valerie McDonald and Christina Wornick are the recipients of Watermark for Kids scholarship awards. The scholarships are presented by The Fountains at Canterbury and Watermark for Kids, a non-profit organization committed to empowering underserved kids, helping them pursue their passions and thrive. Watermark for Kids was founded by Watermark Retirement Communities, which manages The Fountains at Canterbury.
McDonald, a 17-year-old ballet dancer, will use the scholarship award to continue her Level 5 classes at the Dance Center of Oklahoma City Ballet. The school provides classical ballet technique instruction and prepares dancers for a professional role in the arts. McDonald hopes to pursue dance on the professional level after her formal training.
Wornick is a previous recipient of the scholarship award who has been dancing since the age of four. The 12-year-old dreams of becoming a famous ballerina. The Watermark for Kids scholarship will allow Wornick to continue her training at the Dance Center of Oklahoma City Ballet as a Level 4 student.
“Watermark for Kids is an amazing program that The Fountains of Canterbury is proud to facilitate in support of local students,” said Jim Story, liaison for Watermark for Kids at The Fountains at Canterbury. “Our community is passionate about Watermark for Kids because it provides children an opportunity to pursue their dreams. We are looking forward to watching our two recipients thrive while working towards their long-term goals.”
Residents and associates at The Fountains at Canterbury host fundraisers throughout the year to donate funds to the Watermark for Kids program.
For more information about Watermark for Kids visit www.watermarkforkids.org. To learn more about The Fountains at Canterbury please call (405) 381-8165 or go online to www.watermarkcommunities.com.

The Oklahoma Insurance Department is joining forces to spread a life-saving message to drivers: “Move over. It’s the law.” The message is part of an initiative by the Oklahoma Traffic Incident Management Steering (TIMS) Coalition. The Coalition also includes representatives from the Oklahoma Highway Patrol, Oklahoma Department of Transportation, Oklahoma Sheriffs Association, Oklahoma Emergency Management and many more.
“As the holidays approach and more people will be on the road, we’re asking Oklahoma drivers to be more mindful behind the wheel,” said Oklahoma Insurance Commissioner John D. Doak. “Not only is moving over the law, it will help save the lives of first responders and lower the number of costly traffic delays.”
According to the National Highway Traffic Safety Administration, 52 law enforcement officers were killed in traffic-related incidents last year. Oklahoma Highway Patrol Trooper Nicholas Dees was hit and killed last year along I-40. His mother is featured in a new public service announcement which began airing this month. It can also be viewed here.
“Half of me died because of one man that did not move over for emergency vehicles,” said Shelley Russell, Dees’ mother.
Oklahoma’s Move Over law requires drivers approaching a parked emergency vehicle with flashing lights, including wreckers, to move over to the next lane. If the driver cannot move over, he or she is required to slow down. Troopers suggest drivers reduce speed to 15-20 mph or slower. The penalty for failing to slow down or change lanes is a ticket with a fine of more than $200.
Another benefit of drivers abiding by the Move Over law is a reduction in the number of costly traffic delays. According to the Texas Transportation Institute, for each hour a vehicle is stuck in traffic $21 is wasted per vehicle in time and fuel.
One way to ease the burden of traffic is for drivers to move over if they are involved in a non-injury car accident. This allows drivers to safely exchange insurance information and not block the flow of traffic.
“Many drivers seem to think that moving over is just an optional courtesy when they see flashing lights or have a minor wreck,” Doak said. “It’s not optional. Move over. It’s the law.”

Tis the season for toy shopping, but Easter Seals Oklahoma has a request for special toys for their boys and girls. Therapeutic and sensory toys help students with disabilities work on hand-eye coordination, fine and gross motor skills and social interaction. It can also be used to help increase attention and focus during instructional time.
“Teaching a lesson while a child’s hand is actively engaged in a fidget has been shown to result in more information being retained by the child than if the same lesson were taught without the sensory element”, says Mia Dianda, Director of Medical Rehabilitation.
Easter Seals Oklahoma is accepting donations of therapeutic toys such as koosh balls, light up toys, and fidgets. Social and turn taking improvement items are also needed like: Twister, Chutes and Ladders, Mouse Trap, Head-band, toy cars, super heroes, baby dolls, and related items. Donations may be brought to 701 N.E. 13th Street, Oklahoma City, Ok 73104 between the hours of 8:00 a.m. -5:00 p.m. Monday through Friday or donate by calling 405-239-2525.
The Medical Rehabilitation Program at Easter Seals Oklahoma helps individuals with disabilities gain greater independence some thought to be unachievable. It is our goal to empower children with atypical development by helping to build their self-esteem and self-efficacy through therapy services.
For more than 90 years, Easter Seals Oklahoma has provided services to children and adults with disabilities and other special needs and support to their families. Services include an early learning and inclusion academy, adult day health center, medical rehabilitation, and financial assistance. For more information, please visit www.eastersealsok.org.

by Bobby Anderson, Staff Writer

More than two years of work and planning by multiple AllianceHealth Midwest departments culminated recently in a prestigious accolade that will benefit patients throughout the metro.
For the first time, the hospital received full Chest Pain Center with PCI (Percutaneous Coronary Intervention) Accreditation from the Society of Cardiovascular Patient Care.
To receive accreditation, AllianceHealth Midwest demonstrated its expertise and commitment to quality patient care by meeting or exceeding a wide set of stringent criteria and completing on-site evaluation by a SCPC review team.
AllianceHealth Midwest is the only hospital in the state of Oklahoma to receive this level of accreditation.
“This accreditation is another large step in our commitment to providing superior emergency and cardiac care to the residents of Midwest City and Eastern Oklahoma County” said Damon Brown, CEO, AllianceHealth Midwest. “This accreditation was made possible because of the dedicated work and commitment of a multi-disciplinary team that included employees, physicians and paramedics.”
Cardiology Director and Chest Pain Coordinator Mark Macklin, RN, BSN has spent the last 12 of his 22 years in nursing in cardiac care after an emergency medicine and trauma background.
“The most important reason to pursue this is it’s the right thing to do for patient care,” Macklin said. “It’s a standardized system for evaluating and treating patients from the lowest risk patients to the care and treatment of the STEMI patient.”
“It encompasses the entire gamut of cardiology and chest pain.”
It is estimated that over 60% of all cardiac arrests are directly caused from an acute myocardial infarction.
The addition of the Resuscitation designation to Chest Pain Center with PCI accreditation enhances outcomes because the facility will have initiated early strategies such as early recognition, CPR and defibrillation, early intervention with Primary PCI simultaneously with post arrest hypothermia treatment.
“It standardized our practice, making sure we used evidence-based practice, best practice protocols and we’re all doing it the same way, every time with no deviation,” said Amy Baden, RN, BSN, MBA, and AllianceHealth’s network director of cardiology services. “It’s our roadmap that every patient will be given the exact same care no matter who their cardiologist is.”
Baden said that resuscitation element is one all employees are trained in.
“Any type of employee is also educated in the signs and symptoms of an early heart attack,” Baden said. “From a kitchen worker to a nurse on the floor – even the valets – have all been educated. It’s a multi-faceted education process.”
That education has been introduced to the surrounding communities. AllianceHealth Oklahoma, in partnership with the American Heart Association, donated CPR kits to high schools throughout Oklahoma.
Locally, AllianceHealth Midwest donated one to the Mid-Del School District and one to the Choctaw school district.
Nurses are also going into the schools and educating students and teachers on how to properly perform CPR.
Macklin said each week the board room was filled with representatives for nearly all departments.
“We were empowered to do that,” Macklin said. “Our administration and the board signed off … and we went in there every Monday with a sense of empowerment that we need to get from here to there and who’s best to drive the bus to get there.”
“Some days it was our Chief Nursing Officer (Gloria Ceballos, PhD, RN) who could roll out to all of nursing what needed to be done. Sometimes it was the Chief Medical Officer (Dr. Rockey Talley) who needed to get our hospitalist team on board with the protocols we were rolling out. It changed from Monday to Monday to get from where we started to where we ended.”
“It really kind of brought our whole hospital around that table with a single focus.”
By achieving SCPC’s Chest Pain Center with Primary PCI with Resuscitation Accreditation status, AllianceHealth Midwest demonstrated expertise in the following areas and others:
– Integrating the emergency department with the local emergency medical system
– Effectively treating patients at low risk for acute coronary syndrome and no assignable cause for their symptoms
– Supporting community outreach programs that educate the public to promptly seek medical care if they display symptoms of a possible heart attack
Baden said with the help of AllianceHealth Midwest’s EMS service door-to-balloon intervention time has dramatically decreased.
“We’ve had STEMI’s that come directly to the cath lab,” she said. “There’s a lot of elements … and we’re trying to rule in these patients quicker. We’re decreasing the amount of damage and decreasing the length of stay.”
“Through this we’re all doing it the same way and the patients are happier. We’re all talking the same talk. Patient satisfaction scores in these units have elevated as well so we’re excited about that.”
The SCPC is the accreditation services arm of the American College of Cardiology.
AllianceHealth Midwest, located in Midwest City on the eastern edge of Oklahoma City, is a 255-bed acute care facility with nearly 300 primary care and specialty physicians.

Eric Olsen Executive Director HELPS nonprofit law firm. www.helpsishere.org

Sometimes seniors with lower incomes find themselves owing past due income taxes. Taxes they can’t afford to pay. As the Executive Director of HELPS, a 501 c nonprofit law firm that assist seniors with debt problems, I regularly talk with seniors distressed about past due taxes owed. Seniors want to pay their taxes, but sometimes there simply is insufficient income. Seniors need to know that laws and regulations have been enacted to assist persons with lower incomes to protect them from tax collection.
Most seniors don’t understand that social security, pensions, VA benefits and other forms of retirement income are protected by federal law. This income cannot be garnished for old debts such as credit cards or past due loans. An exception is the IRS occasionally will garnish 15% of a senior’s social security for past due taxes. However this will not happen without the senior being first notified. Steps can be taken to prevent a garnishment by the IRS.
For seniors that can afford to pay their taxes if the sum is less than $50,000 they can arrange for monthly payments over five years almost automatically. Lower income seniors can often be placed on uncollectable status with the IRS and pay nothing. An existing garnishment by the IRS can even be stopped. Seniors can apply for uncollectable status with the IRS over the phone or online. The IRS website provides budget guidelines to qualify for uncollectable status. These budget guidelines are not normally volunteered when applying for uncollectable status with the IRS. If you say you can pay something each month, the IRS will gladly take your money. Many lower income seniors underestimate their needs and pay a monthly payment they can’t afford to the IRS because they think they have to pay something. When according to IRS budget guidelines they could pay nothing.
Almost all seniors don’t realize that their local state tax collector cannot garnish social security and retirement income for past due state income taxes. Even when this money is deposited into a bank account, as long as it is traceable to social security and pension income it is exempt. If an account is garnished a claim of exemption can be filed for the money to be returned. State taxing agencies unfortunately will never tell seniors their income is protected. Instead they often will badger and intimidate in order to collect from seniors who don’t know their rights. If a state tax collector calls, a lower income senior can simply advise his income is federally protected social security, pension, VA benefits, or disability and they can’t afford to pay the tax.
Sometimes seniors are worried when they receive a “tax lien.” Language in the written lien notice makes them worry they are going to lose their home, car and other possessions. Tax collectors are not in the business of selling peoples homes. It just doesn’t happen in real life. Many seniors have little or no equity in a home for a lien to attach anyway. The taxing agency files the lien and hopes the tax gets paid if and when the home is sold. Tax collectors do not go after personal possessions, especially persons with lower incomes.
Bankruptcy is generally unnecessary for lower income seniors because their income is already protected. However taxes often can be eliminated through bankruptcy. The general rule is that the tax must be over three years old and have been assessed for at least two years in order to be eliminated through bankruptcy.
Certainly we should strive to pay our taxes. However laws and procedures are in place protecting lower income and poor seniors from tax collection. America wants seniors to have the food and medicines they need. If there is a choice between basics and paying taxes, seniors can take steps to stop tax collection action. Seniors income is in almost all instances protected and available for their needs.

by Bobby Anderson, Staff Writer

An eight-month executive search ended this month with the word “interim” removed from President and Chief Executive Officer Richie Splitt’s title.
The first weekend in November saw the Norman Regional Hospital Authority Board name Splitt, FACHE, to the position permanently after he took over for David Whitaker in March.
“Since his first day in 2013 and while serving as Norman Regional’s interim President and CEO, Richie’s dedication to this health system was evident,” said Tom Clote, chair of the Norman Regional Hospital Authority Board. “He is a visionary leader who empowers Norman Regional’s team of more than 3,000 employees to achieve superior quality patient care and operational excellence.”
Largely popular among staff and highly visible throughout the halls, Splitt served in the interim capacity through a nationwide candidate search as the hospital board brought a number of candidates in to interview.
Throughout the process he continued in his role helping the hospital re-open Norman Regional Moore, which was destroyed in the May 20, tornado, as well as overseeing the system’s re-accreditation in several high-volume service lines.
He guided the system’s major investment in its cardiothoracic and vascular surgery program, adding state of the art robotic surgery under vascular surgeon Dr. Jim Neel.
“It was extremely important to continue the good work of the great people already here,” Splitt said. “One constant in healthcare is change and I knew we could not stand still or we would lose ground. While it was an important and top priority for me to sustain those gains … I knew I was going to have to keep pushing for better results, better outcomes and all of those types of things.”
“Healthcare is changing every day and we have to change along with it or we get left behind.”
Before serving as the interim president and CEO, Splitt was the Chief Administrative Officer of the Norman Regional HealthPlex in Moore. He helped guide the rebuilding of Norman Regional Moore, after a tornado destroyed the former Moore Medical Center on May 20, 2013 and then expanded EMSSTAT, the health system’s ambulance service, to the City of Moore. He has led the expansion of both the robotic surgery and cardiovascular service programs for the Health System. Norman Regional recently celebrated 25 years of heart surgery and its 70th year of providing lifesaving care to the community with Splitt at its helm.
“There are tremendous pressures whether it’s declining reimbursements or unfunded mandates for technology or systems, data collection and submission – all of those things are high priorities for us and all the while we’re in a heroic industry and have that privilege of providing sacred care,” Splitt said. “We have to always remember our patients and at the same time be mindful of those requirements.”
Splitt has nearly 30 years of experience providing direct patient care, leading high growth operations in a multi-facility environment and driving operational integration and new business development. He earned his Master of Business Administration from Oklahoma City University. He earned both a Masters of Science in Health and Exercise Science and a Bachelor’s of Arts in Communication/Psychology from the University of Oklahoma. He is a fellow with the American College of Healthcare Executives. Splitt has served on the board of both the Moore and South Oklahoma City Chamber of Commerce.
“Hands-down are greatest strength is our people,” Splitt said. “At Norman Regional we call them healers. We have nearly 3,000 healers who make a difference every single day all in the name of great patient care. By far the greatest asset for our organization is our people.”
“I feel so empowered by the people because when we work together we can really achieve some big things.”
The last decade has seen tremendous growth for the health system, which has now grown to three campuses across Norman and Moore.
More recently, the hospital system finished its last fiscal year meeting nearly every one of the quality, patient satisfaction and financial benchmarks set by the Norman Regional Hospital Authority Board.
“I’d be remiss if I didn’t say what an honor and privilege it is for me to serve the great people of Norman Regional and I know our future is quite bright because I know the people,” Splitt said. “I know their commitment to our patients and the community. When we work together, align our mission and our vision then nothing will stop us.”

Whoever conceived of the idea for Norman Forward is to be commended. The Quality of Life projects are certainly important to our growing city. But at the same time, we should take time to reflect on Norman, backward though the years to the work accomplished by citizens who built our thriving community.
We need to show our appreciation to those citizens who got up every morning, went to work and paid their taxes to build roads, streets, schools, parks, a hospital and more that we use everyday. Many of those same people are retired, living in Norman, and they voted for Norman Forward with the expectation of a new senior center with space available to offer more activities than can be provided in the current center.
As Norman has grown, working people adapted to many changes in Norman, along with changes within their own families. Some lost spouses, family and friends, and with that, some lost badly needed contacts with people. A senior citizens’ center would be a perfect place to spend a few hours, meet new people, socialize and ward off depression which is prevalent in older citizens.
A forward-looking Norman should say thank you to earlier residents by opening the doors to a new center and making an extreme effort to contact and invite people to take part in the activities. Also, for their health’s sake, we must motivate these citizens to make new friends and remain vibrant.
Since recreation is the primary reason for the Quality of Life NF projects for younger people, city planners should extend the same criteria to seniors. Seniors need to move, too. Many NF projects will be delayed for the next 15 years, but the senior citizens’ project should not be one of them.
Nadine Jewell, Norman

story and photos by Bobby Anderson, Staff Writer

Mark Hamm knows that someday in the not-too-distant future, central Oklahoma will be one giant metroplex.
“In the next 20 years they’re projecting another 20,000 people moving to Moore,” the Moore City Councilman said. “They’re all brand new and they don’t know anything about this and it will just be forgotten.”
Hamm was referring to Moore’s history, which dates back before statehood.
And as he discussed the city’s constant progress he was standing on the porch of Myron January’s family home, built in 1895 and believed to be the oldest structure in Moore.
The town’s history – and Myron January’s childhood home – are something Hamm and community members want to preserve for all to see.
In November Moore voters approved the continuation of a quarter-cent sales tax. Part of that money will go the development of an Old Town park, similar to what Norman has near its train depot.
The vision is much bigger than the old January home.
An interactive trail, a sitting area and hopefully a visitor center located near the railroad tracks will spring up some day soon. City officials already have their eye on procuring the original train depot, which is currently being used as an office on Shields Boulevard in south Oklahoma City.
Right in the middle is expected to be the January house, which Myron is giving to the city.
“It’s great. I think it’s a miracle,” January said of home’s impending move. “It’s going to have to be done pretty soon because you can tell it’s getting in bad shape.
JURY AND JANUARY
When you look back in the annals of Moore history you’ll see a couple names stick out – Jury and January.
The Land Run led to the Jury family settling on 160 acres in what now is southeast Moore. Next door was the January family.
“Two Jurys and two Januarys married – two brothers and two sisters,” January said. “So the Januarys and the Jurys have been very close all their lives.”
So close in fact that the Jury home now sits on January property, at least until the City of Moore can get it moved and preserved.
Even though it’s bare wood and has an addition missing, January still navigates the 400-square-foot, two-room house like it was yesterday.
“It wasn’t a whole lot more than this … but you would come in a door here and this was the back porch where (his grandmother Artie) did the washing,” January said. “There was a wall here and a built-in cabinet there.”
Myron January moved to Moore at age three. He left home as a teenager when he got married at 17. He’s lived within two miles of the current house ever since, keeping cattle on the remaining 75 acres.
Things have changed, as subdivisions have sprang up all around.
A new Sam’s Club sits less than a mile away. Target, Home Depot, JC Penny’s, Lowe’s and the busiest IMAX theatre in the world are just across I-35.
“I’ve dreaded it for many years,” January said with a laugh. “That’s life. Progress.”
Just down the street dairy silos dating back to the 1940s still stand as Moore’s only skyscrapers.
At one time, 400 head of cattle were milked at the Mathesen Dairy, which dispatched trucks daily to grocery stores across the county delivering fresh milk with cream on the top.
WHEN MOORE WAS LESS
Moore was founded during the Land Run of 1889. The early settlers came on train, horseback, wagons, and some on foot.
According to local historians, the town’s original name was Verbeck as designated by the railroad company.
However, a railroad employee named Al Moore, reported to be either a conductor or a brakeman, lived in a boxcar at the camp and had difficulty receiving his mail.
He painted his name “Moore” on a board and nailed it on the boxcar.
When a postmaster was appointed, the name stuck and he continued to call the settlement Moore.
Hamm got into politics to preserve that small-town feel, even though the city is now the state’s seventh-largest.
“I like politics but I’ve always liked local politics more than national,” Hamm said. “It’s where things happen, people see their government working for them. You call me about a problem in Moore, hopefully, we can get it fixed before you get home.”
And Hamm knows the past should play a part in Moore’s future. That’s why the city and a team of volunteers have set out to preserve it.
One of the first efforts is inviting people to help document that story online at www.historyofmoore.com.
Currently, there’s lots of gaps and missing stories.
And it’s in need of more people like Myron January to help fill in the blanks.

The annual pecan harvest is shaking up orchards across Oklahoma. Nuts are falling from Miami to Idabel as orchard owners shake their trees and fire up their pecan shelling equipment. The state ranked sixth in the nation for pecan production in 2014 with a harvest of 12 million pounds.
Pecans grow naturally across central and eastern Oklahoma. The nuts are favored by wildlife and people alike. Pecans provide nutritional benefits in addition to edible enjoyment. They add protein and fiber to our diets and are low in cholesterol and sodium. Pecans are often recommended as a source of healthy fat. In a nutshell, pecans are a treat with their buttery, rich flavor.
Gift shops at pecan orchards have lots of creative ways to enjoy these health benefits. Bags of pecan halves or pieces are available for holiday recipes. Pecan oil is another gourmet option for cooking with heart healthy flavor. Irresistible sweets include chocolate-covered pecans, praline pecans and other flavors like jalapeno and pumpkin spice. Pecan honey butter and pecan brittle also make great gift options.
“There are many pecan orchards to visit in Oklahoma,” said agritourism coordinator Meriruth Cohenour. “Each one has a different selection of products and some will shell and crack your own pecans for you.”
Examples of the diverse pecan products available include whole pecans in the shell, papershell or native pecan halves, pecan oil, and gift tins of flavored pecans. For those who love grilling or smoking meat, pecan firewood and pecan smoking chunks are perfect choices.
The Oklahoma agritourism website, www.oklahomaagritourism.com, is an easy way to find a pecan orchard near you. An interactive map on the Specialty Crops page shows the locations of pecan orchards and links to their websites.

Dear Savvy Senior,

After a recent hospital stay, I have a stack of confusing medical bills at home I need to decipher. I’ve heard these bills frequently contain mistakes. How do I spot them to ensure I’m not paying more than I need to be? Cautious Carol

Dear Carol,
Medical billing errors and overcharging is not uncommon. According to the American Medical Association, 7 percent of medical bills in 2013 had errors, and other groups estimate that figure to be much higher. Unfortunately, untangling those mistakes is almost always up to you. Here are some tips and tools that can help.
Check For Errors
To help you get a grip on your medical bills and check for errors, you need to familiarize yourself with what your insurance does and doesn’t cover. Then you need to carefully review the explanation of benefits from your insurer, and the invoices you receive from your doctor, hospital and/or outpatient facility providers.
These invoices need to be itemized bills detailing the charges for every procedure, test, service and supply you received. If you didn’t receive an itemized invoice, request it from your health care providers. And if the invoices contain any confusing billing codes or abbreviations that you don’t understand, ask them for an explanation. You can also look up most medical billing codes online by going to any online search engine and typing in “CPT” followed by the code number.
Once you receive and decode the invoices, keep your eyes peeled for these mistakes:
· Typos: Incorrect billing codes, a misspelled name or a wrong policy number.
· Double billing: Being charged twice for the same services, drugs, or supplies.
· Canceled work: Charging for a test your doctor ordered, then canceled.
· Phantom services: Being charged for services, test or treatments that were never received.
· Up-coding: Inflated charges for medications and supplies.
· Incorrect length of stay: Most hospitals will charge for the admission day, but not for day of discharge. Be sure you’re not paying for both.
· Incorrect room charges: Being charged for a private room, even if you stayed in a semi-private room.
· Inflated operating room fees: Being billed for more time than was actually used. Compare the charge with your anesthesiologist’s records.
To make sure the charges on your bill are reasonably priced, your insurance provider may offer an online price transparency tool, or use the Healthcare Blue Book (healthcarebluebook.com) or Guroo (guroo.com). These are free resources that let you look up the going rate of many procedures, tests or services in your area.
Make Corrections
If you find errors or have questions about charges, contact your insurer and your health care provider’s billing office. When you call, be sure you write down the date, time and name of the person you speak to and a summary of the conversation, in case you need to refer back to it at a later time.
If there’s a billing code error or some other mistake that’s easily correctable, ask your health care provider to resubmit a corrected claim to your insurance company.
Get Help
If you aren’t able to resolve the dispute on your own, you may want to consider hiring a medical billing advocate to work on your behalf. To find someone, try sites like billadvocates.com or claims.org. Most advocates charge an hourly fee – somewhere between $50 and $200 per hour – for their services, or they may work on a contingency basis, earning a commission of 25 percent to 35 percent of the amount they save you.
If you’re a Medicare beneficiary, another resource is your State Health Insurance Assistance Program (SHIP). They provide free counseling and can help you understand your medical bills and Medicare coverage. To find a local SHIP counselor visit shiptacenter.org, or call 800-633-4227.
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.