LIFE's Vintage Newsmagazine - January 2019

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TABLE OF CONTENTS

Vol. 33, No. 7

14 Retirement Planning 101

It’s the season for taking stock, for evaluating our goals and our plans to achieve them. For those in their 50s and 60s, this is an ideal time to consider and review plans for retirement. If you’re not sure where to start, we offer a few steps to help get you on your way.

16 A Look at Long-Term Care Insurance

When faced with declining health and self-care abilities, the concern arises, “How long can I stay in my own home?” Faced with that challenge, the costs can seem prohibitive, to put it mildly.

Long-term care insurance can help make staying at home as you age a reality.

LIFE Senior Services, Inc. Publisher Laura Kenny President and Chief Executive Officer Kelly Kirchhoff Senior Director of Communications and Development Erin Shackelford Managing Editor editor@LIFEseniorservices.org Emily Fox Associate Editor efox@LIFEseniorservices.org Bernie Dornblaser Advertising Director bdornblaser@LIFEseniorservices.org Leah Weigle Graphic Designer and Photographer Carol Carter Copy Editor

18 End-of-Life Planning Toolkit

Nearly every day across America you will find nervous looking families and caretakers huddled with lawyers in the hallway outside the courtroom where emergency guardianships are handled.

It’s an expensive, nerve-racking, time-consuming undertaking lacking a concrete and certain outcome, but it can be avoided.

20 Cracking Into Your Retirement Nest Egg: Smart Investment Strategies for Seniors Investing in your 60s is different than it was when you focused mostly on growing your retirement funds. Like so many things that change in retirement, your investment strategy requires a new approach.

Carrie Henderson Bowen Circulation Coordinator cbowen@LIFEseniorservices.org dick mccandless Esteban Valencia Community Distribution

LIFE’s Vintage Newsmagazine is published monthly by LIFE Senior Services (a Tulsa Area United Way nonprofit) and helps fulfill LIFE Senior Services’ mission to promote and preserve independence for seniors.

This publication is printed and mailed at no charge. Donations of any amount are appreciated and will help offset LIFE Senior Services’ production costs.

A donation of $25 per year is suggested.

22 Savvy Saving Seniors

It’s never fun to sit down and take inventory of your finances; in fact, for some seniors, it can be downright scary. There are many reasons that can contribute to feelings of anxiety about money, but luckily there are also many ways to get back in control and start saving.

6 Letter from the Publisher 8 Looking Back 10 Caregiver Corner Helping a Loved One Manage Money: Responsibilities and Conundrums 12 Medicare & You Free Tax Help from LIFE Senior Services 24 Legacy Tower 4

28 The Dinner Belle

The Vault: Unique Downtown Dining The Vault is a place you’ll want to take-out-oftown guests to wow them. The atmosphere is unlike any other restaurant in Tulsa – a transformed iconic mid-century modern bank.

And the food is original, tasty and offers a variety of health-conscious options.

26 Healthy Aging Operate at Peak Performance 30 Mindbender & Puzzles 31 Business Directory 32 Noteworthy 33 Share Your Time & Talent 34 Calendar 35 LIFE EDU 36 People & Places 37 Classifieds 39 Vintage Friends

LIFE’s Vintage Newsmagazine | January 2019

To make a donation, visit www.LIFEseniorservices.org/VintageDonate or call (918) 664-9000.

LIFE’s Vintage Newsmagazine accepts advertising to defray the cost of production and distribution, and appreciates the support of its advertisers.

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Reproduction without consent of the publisher is prohibited.

Volume 33, Issue 7, January 2019 LIFE’s Vintage Newsmagazine (ISSN 2168-8494) (USPS 18320) is published monthly by LIFE Senior Services, 5950 E. 31st St., Tulsa, OK 74135. Periodicals postage paid at Tulsa, OK. POSTMASTER: Send address changes to LIFE’s Vintage Newsmagazine, 5950 E. 31st St., Tulsa, OK 74135-5114.

www.LIFEseniorservices.org

letter from the “Fulfilling our mission to promote and preserve independence for seniors – today – tomorrow – always, LIFE Senior Services is proud to bring you LIFE’s Vintage Newsmagazine.”

publisher

O

ftentimes, the New Year brings resolutions for health and wellness.

While eating better and exercising more are certainly worthwhile and admirable goals, financial fitness is an important one as well.

Planning for retirement and keeping your financial house in order are essential as you age. This month, we dedicate LIFE’s Vintage Newsmagazine to helping you get and stay financially fit!

While some of our readers may be past peak savingfor-retirement years, others in their 50s and 60s may be hitting their stride. On page 14, we take a look at how you can best evaluate your goals and plan for your retirement. Regardless of your age, there are likely some helpful tips to glean.

There is a lot of information floating around about long-term care insurance. On page 16, we delve into the pros and cons of long-term care coverage with the Oklahoma Department of Insurance's Michael Rhoads.

Like any insurance policy, it’s best to evaluate all of your options, consider all the pitfalls and enter into an agreement with caution.

Laura Kenny President and CEO of LIFE Senior Services, LIFE’s Vintage Housing and LIFE PACE

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According to a study conducted in 2017 by the journal “Health Affairs,” only one in three adults complete any type of advance directive or other documentation for end-of-life care. To put it another way, 66 percent of adults do not have the documents in order to keep their family and friends from having to find a lawyer and go through court proceedings if they become incapacitated. Find out which documents you need to have in place before an emergency on page 18.

LIFE’s Vintage Newsmagazine | January 2019

Investing in your 60s is different than it was when you focused mostly on growing your retirement funds.

Like so many things that change in retirement, your investment strategy requires a new approach. On page 20, discover some smart investment strategies from Todd Lang at Raymond James & Associates.

Unfortunately, many seniors have to worry about money because of fixed incomes or limited resources.

Given the many reasons to stress over finances, the National Council on Aging put together a program called “Savvy Saving Seniors.” On page 22, find an introduction to the program and details about an upcoming presentation that will highlight all of the savvy saving tips and tricks.

Also in this issue, you will find a list of important screenings, vaccinations and more you should start planning to take care of in 2019, as well as a restaurant review on the unique and funky downtown restaurant The Vault.

Finally, LIFE Senior Services is excited to announce that some of our services, including case management, finance, marketing, development and human resources, have moved into the Legacy Plaza. Learn more about this amazing gift to the community and local nonprofits, as well as more information about our move, on page 24.

As always, we hope you enjoy this month’s issue of LIFE’s Vintage Newsmagazine! We wish you health and happiness in the New Year!

www.LIFEseniorservices.org

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See why Oklahomans love our benefits.

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Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract and a contract with the State Medicaid program. Enrollment in the plan depends on the plan’s contract renewal with Medicare. This plan is available to anyone who has both Medical Assistance from the State and Medicare. This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premium and/ or copayments/coinsurance may change on January 1 of each year. You must continue to pay your Medicare Part B premium, if not otherwise paid for under Medicaid or by another third party. Premiums, copays, coinsurance, and deductibles may vary based on the level of Extra Help you receive. Please contact the plan for further details.

CST23742

LOOKING BACK

Banking and Finance in Tulsa Tulsa Historical Society & Museum • 2445 S. Peoria Ave., Tulsa

Three clerks pose behind their customer windows inside Tulsa Banking Company, 1906.

Producers National Bank on west 3rd Street between Main Street and Boulder Avenue.

The bank was designed by architect George Winkler, 1916.

National Bank of Commerce, 10 E. 3rd St., c. 1930.

Want More?

See additional pictures in the digital edition of January's LIFE’s Vintage Newsmagazine at www.LIFEseniorservices.org.

Joe Brown deposits his money at Home Federal Savings & Loan, 1950.

this month in history January 1, 1958: Inmate Merle Haggard heard Johnny Cash play Johnny Cash played his first-ever prison concert on January 1, 1958, at San Quentin State Prison outside of San Francisco. One of the inmates was Merle Haggard, then a 20-year-old serving a sentence for a burglary charge, who later credited Cash with giving him the inspiration to launch a career after prison. Haggard went on to have 38 number one hits on the country charts.

January 5, 1972: Nixon launched space shuttle program Richard Nixon signed a bill authorizing $5.5 million in funding to develop a space shuttle. Designed to function more like a cost-efficient “reusable” airplane than a one-use-only rocket-launched capsule, the shuttle afforded NASA pilots and scientists more time in space with which to conduct space-related research. NASA launched Columbia – the first space shuttle – in 1981.

January 9, 1493: Columbus mistook manatees for mermaids Italian explorer Christopher Columbus, sailing near the Dominican Republic, saw three “mermaids” (really manatees) and described them as “not half as beautiful as they are painted.” Mermaid sightings by sailors, when they weren’t made up, were most likely manatees, dugongs or Steller’s sea cows (which became extinct by the 1760s due to overhunting). Manatees are slow-moving aquatic mammals with human-like eyes, bulbous faces and paddle-like tails.

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LIFE’s Vintage Newsmagazine | January 2019

A large piggy bank sits atop an armored truck. The sign reads, “Ye Olde Brinks Express.”

January 15, 2009: Sullenberger performed "Miracle on the Hudson" A potential disaster turned into a heroic display of skill and composure when Captain Chesley Burnett Sullenberger III safely landed the plane he was piloting on New York City’s Hudson River after a bird strike caused its engines to fail. Sullenberger, a former fighter pilot with decades of flying experience, received many honors for his actions, including an invitation to Barack Obama’s presidential inauguration and resolutions of praise from the U.S. Congress.

January 22, 1998: Kaczynski pleaded guilty to bombings In a Sacramento, California, courtroom, Theodore J. Kaczynski pleaded guilty to all federal charges against him, acknowledging his responsibility for a 17-year campaign of package bombings attributed to the “Unabomber.” Kaczynski accepted a sentence of life in prison without the possibility of parole in return for a plea of guilty to all federal charges.

January 28, 1986: Challenger disaster At 11:38 a.m. EST, the space shuttle Challenger lifted off from Cape Canaveral, Florida, and Christa McAuliffe was on her way to becoming the first ordinary U.S. civilian to travel into space. Seventy-three seconds later, hundreds on the ground, including McAuliffe’s family, stared in disbelief as the shuttle broke up in a forking plume of smoke and fire.

Millions more watched the wrenching tragedy unfold on live television.

There were no survivors. © The History Channel www.LIFEseniorservices.org

hard to describe excitementI felt I feltasasaayoungster youngsterover over new new fallen fallen snow. the icicles glistening It’s It’s hard to describe thethe excitement snow. II remember rememberwaking wakingup upand andseeing seeing the icicles glistening near my bedroom window.

The white, snowy background made it easy to spot the red birds flitting here and there.

Even the rabbits came near my bedroom window. The white, snowy background made it easy to spot the red birds flitting here and there. Even the rabbits came out from wherever they lived, leaving an easy trail to follow. out from wherever they lived, leaving an easy trail to follow.

I grew up in the country, and the wind had plenty of room to blow and blow and made huge puffy snow drifts. I didn’t want anyone or I grew up in the country, and the wind had plenty of room to blow and blow and made huge puffy snow drifts. I didn’t want anyone or anything to walk across our perfectly smooth, snowy-white front yard. anything to walk across our perfectly smooth, snowy-white front yard.

My dad would harness our buckskin horse, Tony, so he could pull our large wooden sleigh. With a “giddy up,” off they would go. My dad My dad stand wouldand harness ourhimself buckskin horse, Tony, sounderstood he could pull large wooden sleigh.

With my a “giddy off they would go.were My dad would balance in the middle.

Tony justour how to “whoa,” never causing dad toup,” stumble or fall.

They would stand and balance himself in the middle.

Tony understood just how to “whoa,” never causing my dad to stumble or fall.

They were quite a pair - perfectly in sync. quite a pair - perfectly in sync.

They had WORK to do! They would deliver hay to the cattle. Then, shoot a “U,” go by the pond and break the ice. Sometimes, I rode They WORKmy tohands do! They would to along. the cattle.

Then, “U,” go bythis thefun pond break the ice. Sometimes, I rode alonghad dangling in the snowdeliver as we hay glided Work?

Howshoot couldasomething be and work? along dangling my hands in the snow as we glided along. Work? How could something this fun be work?

Of course, I had my responsibilities back then - like building a snowman! Snow falling into my galoshes, Ofwet course, I had my responsibilities - like building a snowman!

Snow feet, cold hands, chapped lips - back it wasthen miserable and wonderful all at the samefalling time. into my galoshes, wet feet, cold hands, chapped lips - it was miserable and wonderful all at the same time.

Mother made snow ice cream every now and then. But, for sure, I could count on hot chocolate as snow I warmed my backside theand fireplace.

Tonyfor and the cattle puton in hot the chocobarn Mother made ice cream every at now then. But, sure, I couldwere count night. Our Shep, Pedro, their quilt andput warm quarters latefor asthe I warmed mycollie, backside at and the terrier, fireplace.

Tonyhad and theown cattle were in the barn for Me? I was in my flannel hoping had that their school would closed thequarters next day. the too. night.

Our collie, Shep, andpajamas terrier, Pedro, own quiltbeand warm too.

Me? I was in my flannel pajamas hoping that school would be closed the next day.

The snow was magic then, for sure, and so was childhood. Sometimes, I wish we could was just ...

Let It then, Snow,for Let It Snow The snow magic sure, and ... soagain! was childhood. Sometimes, I wish we could just ... Let It Snow, Let It Snow ... again!

Hometown Girl Hometown Girl

I took a resume on a fella the other day. I was hoping you could help me locate him. First name: Frosty. Last name: The Snowman. Transportation: Going I took a resume on a fella the other day. I was hoping you could help me thumpity, thump thump over the hills of snow. His eyes were dark as coal with a locate him.

Last name: Snowman. nose thatFirst wasname: button Frosty. sized. He was a jolly,The happy soul andTransportation: wore a magical Going top hat. thumpity, thump thump over Hisquick! eyesHe were dark as with a I tried to find him before hethe left,hills but of hesnow. was too grabbed hiscoal broomstick nose that button sized. a jolly, happythe soul and he wore a magical topifhat. and as was he was going here He andwas there all around square said, “Catch me I tried to find him before he left, but he was too quick!

He grabbed his broomstick you can!” and as he was going here and there all around the square he said, “Catch me if you can!”

CAREGIVER CORNER

Responsibilities and Conundrums

C

aregivers take on many responsibilities for the people they love. One of the more difficult tasks is money management.

Each family has its own dynamics, so the topic can come easily or it can be taboo. Regardless, money eventually must be discussed and managed for loved ones with waning abilities and capacities. Below are some responsibilities and concerns to consider when helping someone with their money.

First and foremost, if a caregiver is taking on the responsibility of managing a loved one’s money, each and every penny must be spent on the loved one for their comfort and care.

Consider this example. Susan started to assist her mother-in-law June with her finances when June indicated that her credit card bills didn’t make sense to her. What started as a few calls to credit card companies became an almost weekly bookkeeping responsibility. Susan was granted a power of attorney with fiduciary language to help June.

The term “fiduciary” is important because it dictates that June’s money could only be used for June. Any purchases not associated with June’s well-being were not only inappropriate, but illegal.

Purchases made by Susan to support June included all things associated with housing such

as taxes, insurance, repairs, utilities, maintenance, etc. Susan also managed June's healthcare expenses, vehicle maintenance, clothing, food and fun. Fun for June included lunches with friends, art supplies, museum memberships and other charitable giving that was demonstrated through previous behaviors. Susan also purchased holiday and other gifts for family and friends. The gifts purchased were in line with June’s previous spending behaviors and at June’s request.

agreeing to be the “money person.” A consultation with an attorney or money manager can be beneficial.

However, say that June says to Susan, “I appreciate you so much, why don’t you go buy yourself something nice?” What should Susan do? A component of being a fiduciary is that the person cannot benefit from the relationship.

Susan has a responsibility to NOT purchase something for herself.

Some families may balk at the idea of paying for these services and consider the utilization of help with bills unnecessary, but the protections offered may be worth it. If a caregiver is alleged to have misappropriated funds or mishandled finances, the legal bills may be higher than any fees paid to professionals.

So how can a family member help their loved one manage money and protect themselves?

Staying true to the mission of support is key.

Another option is to maintain full transparency with another family member, attorney, money manager or other person. Also, it is recommended to keep receipts and bank records for cross-reference should they be needed. In Oklahoma, persons who have limited resources can get help. The Department of Human Services will look at bank records going five years back, so spending records are important should state assistance be needed. It is also important to have a full understanding of the responsibilities before

For persons who are considering asking a family member to help with finances, make sure the power of attorney includes the fiduciary language.

For help finding the proper documents, seniors can reach out to the Oklahoma Department of Human Services' SPLASH (Sixty-Plus Legal Aid Senior’s Helpline) program or their preferred attorney. Often financial institutions will have someone available for guidance as well.

Another option for many families is to outsource financial obligations. There are organizations (like Volunteers of America), financial institutions, attorneys and money managers who will help with bill paying for a small fee.

by Mickey Hinds, LIFE's Education Coordinator

Join Tulsa attorney Jamie Miller to learn about the documents that help families care for and manage the needs of their loved ones.

Documents discussed will include the Oklahoma advance directive, powers of attorney, wills, trusts and estate planning options, including those that help avoid probate.

Thursday, January 22 • 1:30 – 3 p.m.

Legacy Plaza 5330 E. 31st St., Tulsa Free • RSVP • (918) 664-9000 www.LIFEseniorservices.org

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LIFE’s Vintage Newsmagazine | January 2019

www.LIFEseniorservices.org

ATTENTION SENIOR CITIZENS! The Department of Housing and Urban Development (HUD) has changed the household median income in Tulsa County and Osage, Creek, Rogers, and Wagoner Counties. This change will impact senior citizens’ ability to qualify for a Property Valuation Limitation for Ad Valorem tax purposes. For 2019, the new maximum annual gross household income is now $67,100. Seniors who are qualified are not required to re-file.

To be approved for year 2019, you must be 65 years of age or over as of January 1, 2019 and have a gross household income of $67,100 or less during 2018. You must file between January 1st and March 15th or within 30 days from the issue date of Notice of Increase in Valuation of Real Property. To file you will need to bring proof of income from 2018, such as Social Security, 1099 and W2 forms from all income sources.

Please contact the County Assessor’s office in the county you live in to see if you qualify and apply for this benefit.

Assessor: Assessor: Assessor: Assessor: Assessor:

John A. Wright, Tulsa County Ed Quinton, Jr., Osage County JaNell Enlow, Creek County Scott Marsh, Rogers County Sandy Hodges, Wagoner County

(918) 596-5100 (918) 287-3448 (918) 224-4508 (918) 923-4795 (918) 485-2367

GET YOUR COPY OF LIFE’S VINTAGE GUIDE TO HOUSING & SERVICES Northeast Oklahoma’s Most Comprehensive Senior Living and Resource Guide Pick up your copy at LIFE Senior Services, 5950 E. 31st St., or at any Tulsa City-County Library!

FIND A DIGITAL VERSION AT WWW.LIFESENIORSERVICES.ORG

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LIFE’s Vintage Newsmagazine | January 2019

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MEDICARE & YOU

Medicare

LATE ENROLLMENT PENALTIES

F ree Ta x Help from

LIFE Senior Services

T

ax season is almost here, and the IRS is reminding taxpayers that they may qualify for free tax help. Low-income taxpayers can get help filing their returns for free by visiting community-based tax help sites staffed by volunteers that participate in the Volunteer Income Tax Assistance (VITA) and Tax Counseling for the Elderly (TCE) programs. Many taxpayers qualify for this free and easy option, and LIFE Senior Services is pleased to again offer assistance through our TCE program site.

From February 5 until April 11, trained and IRS-certified volunteers will be available at our site to help seniors age 60 and older, generally making $55,000 or less annually with free, basic income tax preparation with electronic filing. Appointments are required and will be held throughout the filing season.

After Scheduling Your Appointment First, make sure you gather all required documents and information and bring them with you to your appointment. You will need to have: • Proof of identification (photo ID) • Social Security cards for you, your spouse and dependents • An Individual Taxpayer Identification Number (ITIN) assignment letter may be substituted if you do not have a Social Security number • Wage and earning statements (forms W-2, W-2G, 1099-R, 1099-Misc) from all employers • Interest and dividend statements from banks (form 1099) • Copy of last year’s federal and state returns • Proof of bank account routing and account numbers for direct deposit • Health Insurance Exemption Certificate, if received • Forms 1095-A, B and C health coverage statements Note that to file taxes electronically on a married filing joint tax return, both spouses must be present to sign the required forms When you arrive for your appointment, you will fill out an intake form and your picture ID and other information will be checked. When you meet with the tax preparer, they will go over the form with you to make sure it is complete and give you an opportunity to ask questions. The tax preparer will then start to enter your information into a tax preparation computer program.

After completing your tax return, a second person will verify your information is reported correctly. This ensures you are receiving the highest quality service.

The final step is to print out your tax return. The tax preparer will again review it with you. It is important to know that you are ultimately responsible for the tax return having correct information. If you are satisfied the tax return is correct, you will sign a form giving the site permission to electronically file your tax return with the IRS.

by Cindy Loftin, LIFE's Medicare Assistance Program Coordinator To schedule your appointment, contact LIFE Senior Services at (918) 664-9000 and ask to be connected to the tax assistance appointment reservation line.

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LIFE’s Vintage Newsmagazine | January 2019

Whether you’re new to Medicare, getting ready to turn 65 or preparing to retire, you’ll need to make several important decisions about your health coverage. For example, there are only certain times when people can enroll in Medicare. The first time you can enroll is during your Initial Enrollment Period, which is when you turn 65. If you choose not to enroll in Medicare, not only will you have a gap in coverage, you may also have to pay penalties.

Part A (Hospital Insurance) Late Enrollment Penalty Most people don’t pay a monthly premium for Part A because they paid Medicare taxes while working. If you did not pay Medicare taxes while working and you are age 65 or older, you may be able to buy Part A. However, if you aren't eligible for premium-free Part A and you don't buy it when you're first eligible, your monthly premium may go up 10 percent.

You'll have to pay the higher premium for twice the number of years you could have had Part A, but didn't sign up.

Part B (Medical Insurance) Late Enrollment Penalty In most cases, if you don't sign up for Part B when you're first eligible, you'll have to pay a late enrollment penalty when you do enroll. You'll have to pay this penalty for as long as you have Part B. Your monthly premium for Part B may go up 10 percent for each full 12-month period that you could have had Part B, but didn't sign up for it. Also, you may have to wait until the General Enrollment Period (from January 1 to March 31) to enroll in Part B. Coverage will start July 1 of that year.

Usually, you don't pay a late enrollment penalty if you meet certain conditions that allow you to sign up for Part B during a Special Enrollment Period.

Part D (Prescription Drug Coverage) Late Enrollment Penalty You may owe a late enrollment penalty if you go without creditable prescription drug coverage for any continuous period of 63 days or more after your Initial Enrollment Period ends.

The cost of the late enrollment penalty depends on how long you went without Part D or creditable prescription drug coverage. Medicare calculates the penalty by multiplying 1 percent of the "national base beneficiary premium” ($33.19 in 2019) times the number of full, uncovered months you didn't have Part D or creditable coverage. The monthly premium is rounded to the nearest $.10 and added to your monthly Part D premium.

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Looking for Answers?

Call LIFE’s SeniorLine (918) 664-9000

Woodland Manor woodlandmanorapt.com

918.461.1929

Located 2 blocks east of Memorial on 61st Street 8641 E. 61st Street Tulsa, OK

TULSA’S FINEST APARTMENT HOMES FOR ACTIVE SENIORS 55+

WONDERFUL AMENITIES ALSO AVAILABLE Two Bedroom Two Bath One Bedroom One Bath

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Two Bedroom One Bath

Courtesy Van Exercise Room 2 Saltwater Pools Garages Available Limited Access Gate Clothes Care Center Clubhouse Onsite Beauty Salon

Washer/Dryer Connections Weekly Activities Dishwasher/Disposals Self Cleaning Ovens Ponds With Fountains Outdoor Gazebo Patios/Balconies with Storage Room

LIFE’s Vintage Newsmagazine | January 2019

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It’s the season for taking stock, for evaluating our goals and our plans to achieve them. For those in their 50s and 60s, this is an ideal time to consider and review plans for retirement.

If you’re not sure where to start, here are a few steps to help get you on your way.

Think about your retirement lifestyle.

Do you like to travel? Or do you prefer tinkering around the house or working in the yard? Now is the time to dream and plan, and more importantly, understand how to budget realistically for those retirement activities. Thinking about how you want to spend your retirement years will help you determine how much you need to finance them.

Thinking about how you want to spend your retirement years will help you determine how much you need to finance them.

Consider consulting with a financial advisor as you work on and execute your retirement plan.

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Top off your retirement tank while you’re still employed.

If you’re working, make use of taxadvantaged savings opportunities. If you have an employer match on your 401(k), be certain you’re putting in as much as necessary to get the full match. Don’t leave that money on the table. If you’re eligible for a Roth IRA account, contribute the maximum amount possible. If you’re 50 or older, you can start making additional “catch up” contributions to your 401(k), 403(b) or IRA. This is the time to continue to accumulate the net worth that will generate your retirement income. If you’re still falling short of the savings you need, consider working longer before you retire or think about taking a part-time job in retirement to supplement your income.

Optimize Social Security benefits.

Your Social Security benefits are determined by a combination of your earnings over your career and the age at which you choose to begin receiving your payments. The longer you delay retirement,

LIFE’s Vintage Newsmagazine | January 2019

the more your benefits increase. You can begin receiving payments as early as 62, and you can delay until you reach 70. Although it’s best not to rely entirely on Social Security benefits to fund your retirement, it makes sense to maximize your pay out if possible. Visit www.ssa.gov to calculate your benefits at different retirement ages. You can also create an account that allows you to view your estimated benefits.

Plan for long-term care.

Although it may seem a ways off, this is a good time to assess long-term care needs as well. Options from home care to assisted living facilities all come with a price tag.

You may also want to explore the pros and cons of long-term care insurance. Learn more about long-term care insurance on page 16. If you’re a veteran, there may be the possibility of long-term care support through the Veteran’s Administration.

You’re eligible to apply for Medicare coverage in the three months leading up to your 65th birthday, and it’s important that you do so. Part A and Part B premiums may increase if you don’t enroll when your initial eligibility period begins, and delays in enrollment that cause you to be uninsured can invoke a tax penalty. For more information, visit www.medicare.gov or contact the Medicare Assistance Program at LIFE Senior Services at (918) 664-9000.

Revisit or create your estate plan.

If you haven’t done any estate planning, do so now. Meet with a lawyer to help you draft the documents you need. If you have a plan in place, this is a good time to review and/ www.LIFEseniorservices.org

or update your legal documents to make sure they still represent your wishes and reflect current legislation. Find more about critical end-oflife and estate planning documents you should have in place on page 18.

Consult professionals.

Consider consulting with a financial advisor as you work on and execute your retirement plan. A “fee only” professional is paid on an hourly or ongoing basis, rather than through the commissions from the products they steer you toward. Visit the National Association for Personal Financial Advisors at www.napfa.org for more information.

Beyond Dollars and Cents

Having your finances in order is obviously very important as you approach retirement, but, according to wealth management and financial planning specialist Jane Mudgett, it’s just one piece of the planning for this chapter in your life.

“I really think that part of the self-assessment we need to go through in our 50s and 60s is not just about money,” says Mudgett. “People want to focus on money, but the reality is that many of us are astute enough to know we need to save more than we think we do and spend less than we earn.”

Mudgett, who has extensive experience in the financial services industry, is a partner at Exceptional Leaders Lab, a leadership development business that coaches professionals through speakers, conferences and webinars. Mudgett believes we need to change the culture of longevity, and she’s created a program called “5 Alive,” which focuses on positive behaviors in the five key areas of food, fitness, finance, fun and friends.

“You do need to look at your finances and your budgeting and what you’ll need long term, but you also need to start developing some hobbies and some interests and things that pique your curiosity because this is something you need for your long-term brain and body health, and it’s also the easiest way to build new relationships,” she notes. “All the research shows that the most significant element of healthy, wellbalanced longevity is having people in your life that you love and that care for you.”

Through her holistic approach, Mudgett encourages individuals to make positive changes in these specific areas to enhance their quality of life as they age.

“It’s not about living to 100 or anything like that. That’s not what I mean,” Mudgett explains. “I mean really enjoying your life and being healthy with your life and having gratitude.”

According to Mudgett, simple things like eating more nutritionally dense, less-processed food, building muscle strength, finding engaging hobbies, nurturing relationships and reducing stress go a long way toward ensuring happiness and health as we age. Mudgett offers advice on how to start.

“I ask people to write down the experiences they’ve had in the last 10 years or 20 years, then I ask them to start from today and think about the experiences they want to have in the next 20 years,” she says. “You start really thinking about that, and then that leads you to some other activities, and you get out and get going.”

As you welcome 2019, set aside some time to take stock of your retirement plans. When you assess your fiscal health, don’t forget to consider your emotional and physical well-being as well. Remember, the Golden Years aren’t all about the gold. A solid, well-funded financial plan is important, but so are your health and happiness.

by Julie Wenger Watson www.LIFEseniorservices.org

LIFE’s Vintage Newsmagazine | January 2019

15

A LOOK AT Long-Term Care Insurance When faced with declining health and self-care abilities, the concern arises, “How long can I stay in my own home?”

Faced with that challenge, the costs can seem prohibitive, to put it mildly.

Long-term care insurance (LTC) can help make staying at home as you age a reality.

LTC insurance covers six activities of daily living (ADLs):

1. BATHING

2. DRESSING

3. FEEDING

4. TOILETING

5. TRANSFERRING

6. CONTINENCE

LTC insurance covers costs for vital assistance for these roles that fall outside of a treatable medical condition or structured rehab, although ADLs often run concurrent with traditionally recognized medical challenges. Cognitive impairment can also trigger qualification, as its progression affects ADLs. Unlike traditional insurance coverage, these expenses can include a variety of settings, but predominantly cover home-based care.

“That’s the gold standard for LTC insurance – activities of daily living. You qualify once you get a physician’s letter that says you need assistance getting up, going to the bathroom, bathing,” explains Michael Rhoads, deputy commissioner for the Oklahoma Department of Insurance.

Rhoads emphasizes the importance of staying in your home for as long as possible, and LTC insurance is a key component in making that happen. Depending on your policy, LTC insurance covers home health, adult day care, assisted living and nursing home care.s ing home care.

Long-Term Care Costs So why is such a policy so important?

Essentially, the coverage helps defray some or all of the costs of these services, which get pricey fast. Rhoads elaborated on the median numbers for monthly long-term care costs in the state of Oklahoma.

“Median monthly home healthcare ranges around $4,100 for home health

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LIFE’s Vintage Newsmagazine | January 2019

aides. Adult day health care runs about $1,300 per month. If you have to go into assisted living, that will cost about $3,300 a month. Nursing home care can run between $4,600 and $5,300 per month.”

The financial benefits of having a LTC insurance policy are obvious, but the decision of how and when to insure remains a question. Rhoads explains that the sooner the better. In fact, he obtained insurance for himself and his wife at age 50.

“Thinking ahead, those premiums were low. The cost is dramatically higher when you go in at 65 or even 70. Sometimes they are so cost prohibitive they don’t make sense if you have assets.”

Purchasing Long-Term Care insurance Like many insurance products, the sticker shock can be a deterrent. Rhoads describes several potential options, beginning with ideas for those still in the workforce or retired from specific jobs.

“Your employer may offer group LTC insurance plans or an individual policy at a group discount very similar to an individual policy you can buy from an agent. Advantages with an employer group plan might be that it does not have to meet medical requirements or screening processes may be more relaxed. You get the discount, and you don’t have as rigid www.LIFEseniorservices.org

underwriting as a traditional policy,” he offers, also citing that federal employees such as U.S. postal workers or retired service members are eligible to apply for a federal LTC insurance program if actively employed or an annuitant.

Rhoads states that sales of LTC insurance have decreased in the last few decades. Insurance companies have in turn developed new policies to address the need, including “hybrids” called life/LTC policy, linked benefit or combination policy. These policies offer an add-on rider at an extra cost to pay for LTC insurance. Like a standard LTC policy, the activating conditions must be met.

“In some of these life insurance products, there is an accelerated death benefit that can be used to pay for LTC services. The policy advances money, then pays the residual upon death. If you activate by qualifying, you can use those funds, but they will reduce death benefits after you die,” he explains.

Another less prevalent, but still present option exists as well. According to Rhoads, some of the continuing care retirement communities, like multilevel communities offering independent, assisted and nursing care on one campus, are also offering LTC policies – an insurance underwritten product by an insurance company with certain medical requirements to purchase.

Sometimes those entities offer a broad range of services and levels of care.

However, Rhoads emphasizes the need to inquire before you become a resident since it might be too expensive if you’ve already moved in. It’s something to look into, not a guarantee, but perhaps an alternative.

Given the costs, you have to gauge how much you really need. AARP suggests considering the following factors when looking into LTC insurance: • Your income now and projected for the future.

• Your premiums and how they will fit your budget over time.

• Your support system to determine amount of need.

• Your savings and investments.

• Your tax deduction options for your claim awards.

“Typically, these policies provide a limited number of years that are available. On average, a person goes into a nursing home and stays approximately two to three years. People who buy lifetime policies are perhaps overspending. But indeed, there are many cases where individuals stay in a nursing home or assisted living facility well beyond that two to three years. At the end of that period, benefits stop unless you have a lifetime provision,” Rhoads elaborates.

Like any insurance, you want it to be there when you need it. Rhoads sums up the rationale. “When we talk to consumers about this, just remember you may never use this insurance. You may die before you have the need for your LTC insurance. But that’s what insurance is – you are insuring against a risk in the future when you will need this coverage.”

by Kelsey Holder

www.LIFEseniorservices.org

LIFE’s Vintage Newsmagazine | January 2019

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It’s an expensive, nerve-racking, timeconsuming undertaking lacking a concrete and certain outcome. It’s not fun for anybody involved.

Nearly every day in courthouses across America you will find clusters of nervous looking families and caretakers huddled with lawyers in the hallway outside the courtroom where emergency guardianships are handled. They are waiting their turn to go in front of a judge to explain why they should be allowed to make medical and financial decisions on behalf of a loved one who is no longer able to make those decisions for themselves.

Here’s some good news: It’s a situation that is easily avoidable with a little bit of planning. However, according to a study conducted in 2017 by the journal “Health Affairs,” only one in three adults complete any type of advance directive or other documentation for end-of-life care. To put that another way, 66 percent of adults do not have the documents necessary to keep their family and friends from having to find a lawyer and rush down to the courthouse on a moment’s notice when incapacity strikes.

What follows are some of the most commonly used end-of-life legal documents and strategies. As you read about these different documents, keep in mind that each fills strategic gaps left by the others and that the primary purpose of each overlaps with all the other documents to some extent.

Advance Directive for HealthCare

An advance directive for healthcare or living will is an essential legal document that addresses end-of-life issues. In part, an advance directive can: • Instruct physicians and other healthcare providers whether you want lifesustaining treatment or not under certain circumstances.

• Direct when to withdraw treatment and stop artificially administered nutrition (food and water).

• Give medical directions that directly relate to end-of-life situations, like the use of sedatives to minimize pain in the dying process. ● • Appoint somebody to make medical decisions for you in the event you are unable to do so for yourself, much like a medical power of attorney (discussed below).

There can be a lot of moving parts in an advance directive, but a well-crafted advance directive that addresses multiple end-of-life scenarios and complies with your wishes is an essential document to have.

Medical Power of Attorney (MPOA)

A MPOA is a legal document that allows you to appoint somebody to be able to make medical decisions for you. That person is called your “attorney-in-fact,” “agent,” “healthcare proxy,” or maybe “healthcare surrogate.” The document explains how the assigned person can make medical decisions for you.

The MPOA can give your proxy broad discretion or narrow and detailed directions concerning any medical situation that you can imagine.

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LIFE’s Vintage Newsmagazine | January 2019

Physician Orders for LifeSustaining Treatment (POLST)

POLST is as much a process and method as it is a legal document. You can think of it as a conversation between a patient with little time to live and the patient’s doctor, nurse or physician’s assistant.

With the help and input of medical professionals, the patient makes an informed decision about care under certain circumstances. Those decisions are made into an official physician’s order authorized by the law.

The National POLST website describes a POLST order as a form "for when you become seriously ill or frail, and its purpose is to provide medical orders to emergency personnel based on your current medical situation."

Typically, it tells medical professionals to what extent you wish to be resuscitated by CPR, if at all. And it mandates whether you would want emergency personnel to transport you to a medical facility to be put on a breathing machine or if you would rather remain where you are located and be made as comfortable as possible.

If time is limited and a patient is extremely frail and ill, a conversation about POLST with a qualified medical professional is in order.

The important thing is that an MPOA can be individually tailored to you and your health concerns.

An MPOA can be drafted in one of two ways concerning incapacity. It can be "springing." That is to say, it can go in effect when you are rendered unable to make decisions for yourself, but not before then. Or it can be "durable" and give your proxy the assigned powers to make decisions for you even though you are capable of making decisions for yourself. Both springing and durable MPOAs have their place and purpose.

www.LIFEseniorservices.org

Financial Power of Attorney

A financial power of attorney allows you to appoint somebody you trust to handle all of your money matters for you. Most commonly, financial powers of attorney will give your “attorney-in-fact” the authority to take care of all the business you have with banks, credit unions and mortgage companies.

As with the MPOA, there are two kinds of financial powers of attorney – springing and durable. Also, like an MPOA, if you don't have one and you become incapacitated and your accounts are not joint accounts, things are going to get costly and complicated. To gain access to your finances and use your resources for your benefit, somebody is going to have to go to the courthouse and get an order from a judge.

Do-Not-Resuscitate (DNR) Orders

One other form you should give some serious thought to having in your end-of-life toolkit is the DNR consent form.

It does what it sounds like. It is a request for limited healthcare in the event that any resuscitation effort is only going to prolong suffering in the face of certain death.

By signing a DNR order, you are telling medical providers, "If my heart stops beating or if I stop breathing, no medical procedure to restore breathing or heart function will be instituted." That is not a declaration that you should make lightly or even on your own.

Luckily, there is a wealth of resources you can access to help you figure out what’s the best way to go about it all.

End-of-life planning starts with a conversation. “There needs to be an awakening, awareness and acknowledgment leading to a conversation that provides a reasonable plan with [individuals’] priorities, goals and wishes all addressed,” says Ashlie Casey, LCSW, ACHP-SW, director of clinical operations at Hospice of Green Country.

Casey would advise that everybody have all the documents discussed in their end-of-life toolkit, as they help ensure individuals are able to communicate their wishes.

“I am an advocate for completion of these documents, but also discussing them with loved ones.” Casey further stresses that people are not alone. There are many professionals like Casey who are available to facilitate a conversation about how best to approach and implement a personalized end-of-life plan.

“It is never too early to have the conversation, but it can be too late,” says Casey.

by Collin Hinds

For help finding resources for end-of-life planning or counseling, call LIFE's SeniorLine (918) 664-9000.

www.LIFEseniorservices.org

LIFE’s Vintage Newsmagazine | January 2019

19

When you die, your family members may qualify for survivor benefits based on your earnings record. These family members include: our widow(er) or ex-spouse age 60 or older Y (or age 50 or older if disabled) Your widow(er) or ex-spouse at any age, if caring for your child who is under 16 or disabled Your children under 18, if unmarried Your children under age 19, if full-time students (through grade 12) or disabled Your children older than 18, if severely disabled Your parents, if they depended on you for at least half of their support Your widow(er) or children may also receive a one-time $255 death benefit immediately after you die.

Smart Investment Strategies for Seniors

I

nvesting in your 60s is different than it was when you focused mostly on growing your retirement funds. Like so many things that change in retirement, your investment strategy requires a new approach. Tulsa’s Raymond James & Associates’ Branch Manager, Vice President of Investments and Chartered Retirement Plans Specialist Todd Lang, CRPS®, offers some pointers for smart investing strategies in your 60s and beyond.

1. Understanding Social Security According to "Fast Facts and Figures About Social Security," approximately 67 million people today receive some form of Social Security benefits, including retirement, disability, survivor and family benefits.

The Social Security system is based on a simple premise: Throughout your career, you pay a portion of your earnings into a trust fund by paying Social Security or self-employment taxes. Your employer, if any, contributes an equal amount. In return, you receive certain benefits that can provide income to you when you need it most – at retirement or when you become disabled, for instance. Your family members can receive benefits based on your earnings record too. The amount of benefits that you and your family members receive depends on several factors, including your average lifetime earnings, your date of birth and the type of benefit that you're applying for.

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If you become disabled, you may be eligible for Social Security disability benefits. The Social Security Administration defines disability as a physical or mental condition severe enough to prevent a person from performing substantial work of any kind for at least a year. This is a strict definition of disability, so if you're only temporarily disabled, don't expect to receive Social Security disability benefits. Benefits won't begin until the sixth full month after the onset of your disability. And because processing your claim may take some time, apply for disability benefits as soon as you realize that your disability will be long term.

If you begin receiving retirement or disability benefits, your family members might also be eligible to receive benefits based on your earnings record. Eligible family members may include: our spouse age 62 or older, if married at Y least one year Your former spouse age 62 or older, if you were married at least 10 years Your spouse or former spouse at any age, if caring for your child who is under age 16 or disabled Your children under age 18, if unmarried Your children under age 19, if full-time students (through grade 12) or disabled Your children older than 18, if severely disabled

LIFE’s Vintage Newsmagazine | January 2019

The Social Security Administration recommends applying for benefits online at the Social Security website, but you can also apply by calling (800) 772-1213 or by making an appointment at your local Social Security office.

It is suggested that you apply for benefits three months before you want your benefits to start. If you're applying for disability or survivor benefits, apply as soon as you are eligible.

2. Tapping the Equity in Your Home Over time, the value of your home has grown and your mortgage balance has been reduced (or even eliminated). The equity (the property's value minus any liens against it) you now have in your home is a reservoir of funding potential.

Home equity financing (which may be set up as either a loan or a line of credit) is secured by the equity you've built up in your home. This type of financing has several advantages compared to other forms of personal loans: Higher borrowing limits Favorable interest rates Tax-deductible interest – If you itemize your deductions on your federal income tax return, you may be able to deduct the interest on up to $100,000 ($50,000 if married filing separately) of home equity debt.

There can be drawbacks, however: You may have to pay closing costs and other fees.

If you sell your home, you'll have to repay the outstanding balance.

Since your home is collateral securing the debt, you run the risk of foreclosure if you can't make your payments.

Home Equity Loans: Often referred to as a second mortgage, a home equity loan generally allows you to borrow a fixed amount of money (typically up to 80 percent of your equity) at a fixed rate of interest. The total amount you www.LIFEseniorservices.org

borrow is advanced to you when you sign for the loan. You'll repay the loan with equal monthly payments over a fixed term.

Home Equity Lines of Credit: When you arrange a home equity line of credit, your lender establishes a revolving credit limit determined in part by the amount of your equity. You then borrow only what you need (up to the maximum allowed) only when you need it (subject to any time limit on the borrowing period). You can access the funds either by writing a check or using a credit card associated with the account.

The interest rate for a home equity line of credit is generally a variable rate tied to an index.

Your monthly payments may vary, depending on your outstanding balance and the prevailing interest rate. You may have the option of making interest-only payments over the course of the repayment period (e.g., 10 years), or minimum payments that cover a portion of the principal plus accrued interest, coupled with a balloon payment of principal at the end of the loan's term.

3. Bypassing Probate You may have heard about the horrors of probate, but in truth, probate has gotten an undeservedly bad reputation, especially in recent years. If you bypass probate, your estate will go to your beneficiaries without any court proceeding, and you may save a certain amount of time and expenses. However, there is usually little reason for most people to avoid probate today. States continue to revise their probate laws, making them more consumer friendly, particularly for small estates. For most modestly sized estates, the probate process now costs little.

In fact, there are some good reasons to distribute your property by will. Decisions are binding and have legal finality once your will is probated.

Creditors who fail to file claims against your estate within a specific amount of time – usually six months after receiving notice – are out of luck.

However, some major drawbacks to probate do exist, including the time it can take. The process averages six to nine months to complete, but may take up to two years or more for some complex estates, tying up the assets that your family may need immediately. Also, for a larger estate, the cost may be as high as 5 percent of the estate's value.

If you feel that the size and complexity of your estate warrant exploring alternatives to probate, you may want to consider one or more of the following:

Transfer Your Assets to a Revocable Living Trust: A trust is like a basket that holds your assets. A revocable living trust (also known as an inter vivos trust) is flexible enough to include almost any asset that you own. Trusts require a significant amount of paperwork, are costly to create and maintain, and usually require a lawyer to draw up the trust documents. Also, a revocable living trust does not shield your estate from your creditors, creditors of your estate or estate taxes.

Own Property as Joint Tenancy with Rights of Survivorship: Assets owned as joint tenancy with rights of survivorship pass automatically to the surviving joint owner(s) at your death.

This costs little and usually does not require a lawyer. Some drawbacks are that the joint owner has immediate access to your property, and your joint owner's creditors may reach the jointly held property.

Designate Beneficiaries: Assets pass outside of probate if you establish payable-on-death provisions for your savings accounts and CDs. Ask your agent to set up transfer-on-death provisions for brokerage accounts containing stocks, bonds or mutual funds. Your retirement accounts, such as profit-sharing plans, 401(k)s and IRAs, can also pass along to designated beneficiaries.

Finally, life insurance death proceeds will avoid probate, provided you name a beneficiary other than your estate.

Make Lifetime Gifts: Another way to avoid probate is to simply give away your property to your beneficiaries while you are living. Carefully planned gifting can also free those assets from gift and estate taxes.

4. Organizing Your Finances When Your Spouse Has Died Losing a spouse is a stressful transition. And the added pressure of having to settle the estate and organize finances can be overwhelming.

Fortunately, there are steps you can take to make dealing with these matters less difficult.

applications for Social Security and veterans benefits. Your life insurance agent can assist you with the claims process, or you can contact the company's policyholder service department directly. You may also wish to consult with a financial professional, accountant or tax advisor to help you organize your finances.

Before you can begin to settle your spouse's estate or apply for insurance proceeds or government benefits, you'll need to locate important documents and financial records (e.g., birth certificates, marriage certificates, life insurance policies). Keep in mind that you may need to obtain certified copies of certain documents. For example, you'll need a certified copy of your spouse's death certificate to apply for life insurance proceeds. And to apply for Social Security benefits, you'll need to provide birth, marriage and death certificates.

Evaluate short-term income and expenses.

When your spouse dies, you may have some immediate expenses to take care of, such as funeral costs and any outstanding debts that your spouse may have incurred (e.g., credit cards, car loan). Even if you are expecting money from an insurance or estate settlement, you may lack the funds to pay for those expenses right away. If that is the case, don't panic – you have several options.

If your spouse had a life insurance policy that named you as the beneficiary, you may be able to get the life insurance proceeds within a few days after you file. And you can always ask the insurance company if they'll give you an advance.

In the meantime, you can use credit cards for certain expenses. Or, if you need the cash, you can take out a cash advance against a credit card. Also, you can try to negotiate with creditors to allow you to postpone payment of certain debts for 30 days or more, if necessary.

When your spouse dies, your first step should be to contact anyone who is close to you and your spouse, and anyone who may help you with funeral preparations. Next, you should contact your attorney and other financial professionals.

You'll also want to contact life insurance companies, government agencies and your spouse's employer for information on how you can file for benefits.

Avoid hasty decisions: Don't think about moving from your current home until you can make a decision based on reason rather than emotion.

Don't spend money impulsively. When you're grieving, you may be especially vulnerable to pressure from salespeople.

Don't cave in to pressure to sell or give away your spouse's possessions. Wait until you can make clear-headed decisions.

D on't give or loan money to others without reviewing your finances first, taking into account your present and future needs and obligations.

Getting expert advice when you need it is essential. An attorney can help you go over your spouse's will and start estate settlement procedures. Your funeral director can also be an excellent source of information and may help you obtain copies of the death certificate and

While your investment strategies change in your 60s, you aren’t on your own. Contact your financial professional to help you navigate these new waters.

by Karen Szabo Source: Broadridge Financial Services

This material is being provided for information purposes only and is not a complete description, nor is it a recommendation. Opinions expressed are those of the author and are not necessarily those of Raymond James. All opinions are as of this date and are subject to change without notice. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Raymond James & Associates, Inc. Member NYSE/SIPC Southern Hills Tower, 2431 E. 61st Street, Suite 260, Tulsa, (918) 932-1010.

www.LIFEseniorservices.org

LIFE’s Vintage Newsmagazine | January 2019

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It’s never fun to sit down and take inventory of your finances; in fact, for some seniors, it can be downright scary. There are many reasons that can contribute to feelings of anxiety about money, but luckily there are also many ways to get back in control and start saving, even if you think there’s no wiggle room to save left in your budget. through a Medicare program called Extra Help.

Even if you don’t qualify for the Extra Help, you may be able to get help from the pharmaceutical company that manufactures the drugs you take. Contact the company to see if they offer a pharmaceutical assistance program. For more information about Extra Help, contact the Medicare Assistance Program at LIFE Senior Services at (918) 664-9000.

4. Property Taxes: You may be able to legally cut down your annual tax bill by receiving help from local abatement, circuit rider or workoff programs. You could be saving anywhere from $500 to $2,000 annually. Tulsa County offers a Senior Tax Freeze. Contact the Tulsa County Assessor at (918) 596-5100 or www.assessor.tulsacounty.org for more information and qualifying details.

“S

eniors worry about money because of fixed incomes and limited or dwindling resources – house, car, savings, IRA, CDs, retirement, etc.,” says Mickey Hinds, education coordinator for LIFE Senior Services. “They also have growing health expenses, and Medicare is not inexpensive.”

Another possible contributing factor to financial anxiety is the death of a spouse who may have handled the finances, leaving the other to suddenly sort out a hazy money maze of bills without any previous money management skills.

With so many reasons to stress over finances, Hinds and LIFE have stepped in to fill in the gaps of uncertainty and worry by hosting a class called Savvy Saving Seniors. “It was developed by the National Council on Aging,” says Hinds.

“We host the class a couple times a year, and also include input from financial institutions, foundations and nonprofits for other financial wellness education.”

The Savvy Saving Seniors class will help you to identify where you are weakest in your spending and saving habits, and then provide ways to empower you to save more. Here are nine takeaways from the class that can pad your budget and help you to breathe a little easier.

1. Current Expenses: No longer working and making new money can present a lot of financial worry. Make a list of all of your financial obligations (supplemental health insurance, prescription drug insurance, life insurance, etc.), and make sure all of your plans are the most cost-effective available. You will want to speak with a trusted financial advisor/confidant before terminating or starting any new plans.

Also consider reaching out to your local Senior Health Insurance Counseling Program (SHIP).

Oklahoma’s SHIP can be reached at (800) 763-2828.

2. Health Insurance: If you are enrolled in Medicare, make sure you are taking full advantage of the benefits offered, including medical services and supplies, preventive services and preventive screenings. You should also review your Medicare coverage each year during Medicare’s Open Enrollment Period to make sure that you are in the most cost-effective plan for your needs. For more information about Medicare, contact the Medicare Assistance Program at LIFE Senior Services at (918) 664-9000.

3. Prescription Drugs: If you have limited income and resources, you may qualify for help in paying your prescription drug costs

5. Phones: It may be worth considering switching from a landline phone to a mobile phone, because in many states individuals over a certain age qualify for a free cell phone plan. For persons with low income, Lifeline phone program offers very low fees for either landline or cell service. For more information, contact cellular providers directly or the Oklahoma Corporation Commission Public Utility Division at (918) 581-2296.

6. Using Your Home to Stay at Home: Learn more about timely and appropriate ways to leverage your home equity to stay independent. Reverse mortgages offer this ability, but entering into a reverse mortgage should be done cautiously and after counseling.

7. Senior Discounts: Take full advantage of the senior discounts that may be all around you.

For example, many retailers offer older customers discounts on certain days of the week. Check with places you frequent about discounts.

8. Estate Planning: There are certain legal documents you need to have in place when it comes to estate planning: a will for property distribution, a living will for healthcare decisions and a durable power of attorney to designate a personal representative in the event of incapacity.

For more information about these planning documents, see page 18.

The Savvy Saving Seniors class will help you to identify where you are weakest in your spending and saving habits, and then provide ways to empower you to save more.

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LIFE’s Vintage Newsmagazine | January 2019

www.LIFEseniorservices.org

9. More Help: Visit www.benefitscheckup.org or call the Eldercare Locator at (800) 677-1116 to see what other public benefits you could qualify for.

Estate Planning Wills • Trusts Probate

Just like there are things to consider that may help pad your budget, there are also major budget busters to avoid. These include the following: • ATM/Bank Fees: Choose ATMs associated with your bank to reduce or eliminate fees.

• Misusing Balance Transfers: Zero percent interest on credit cards will revert to full interest at the end of the grace period, leaving card users more in debt.

• Retail Store Credit Cards: These credit cards tend to have high interest and are oftentimes more difficult to pay off since they don’t offer online or phone app payment processing.

• Late Payments: Fees for late payments are often more than the minimum balance. Practicing credit protection by avoiding late fees can keep the situation from spiraling.

• Procrastinating on an Emergency Fund: Learn some tips and tricks for building an emergency fund from Better Money Habits at http:/go.bofa.com/uxapf.

• Handouts: Even though it’s difficult in the moment, sometimes tough love is the way to go when a family member asks for money. There are considerable issues with gifts if the giver needs to apply for Medicaid or aid from the state. Keep in mind that there is a five year look-back for Medicaid applications and any monetary, real property or other substantial gifts will have to be repaid in order to qualify for assistance.

There are also tax liabilities for the gift giver if the gift is over a certain amount ($15,000 per person for 2018).

• Financial Scams: Don’t answer phone calls or respond to emails from people that you don’t know. There are so many tele-scammers out there that it’s possible to receive multiple calls a day from unfamiliar numbers trying to prey on innocent victims. Scammers will often spoof numbers and email addresses you may know, so be wary of anything that seems fishy. Report phishing emails and texts to the Federal Trade Commission at www.consumer.ftc.gov.

• Poor Credit Rating: Credit card fraud is rampant these days. If your wallet is lost or stolen, make sure to contact all banking institutions and these four credit bureaus to report your stolen credit card: • Equifax: (800) 525-6285 • Experian: (888) 397-3742 • Trans Union: (800) 680-7289 • Social Security Administration’s Fraud Line: (800) 269-0271 • Fast Food: Cutting down on drive-thru visits and cooking from home can help you stop leaking money like a sieve. Visit the U.S. Department of Agriculture’s website for recipe ideas at www.whatscooking.fns.usda.gov.

“It’s never too late to save, and there are resources that can help,” says Hinds.

Consider taking some of these tips and tricks to heart and allowing them to empower you to start saving big.

by Tiffany Duncan

Planning for Life & Loved Ones

Ann H. Morris, PC, Attorney at Law

(918) 742-5004

www.AnnMorrisLaw.com 2021 South Lewis, Suite 450 • Tulsa, OK 74104

Glenwood Apartments 10221 E. 34TH ST. • TULSA, OK

GLENWOODAPT.TULSA@ATT.NET

(918) 663-7797 Retirement Living for Seniors Age 62+ & Adults with Disabilities

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All Bills Paid 24-hour On-site Staff Laundry Facilities Library & Computer Room Planned Activities & Bingo Emergency Pull Cords On-site Beauty Salon

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Medical Staffing & Home Care Specialists

SERVICES INCLUDE:

Nurses - RNs, LPNs • Home Health Aides Companions • RN Supervision Intermittent Visits or Hourly Care Home IV Therapy • Sitter Service Call us. We can help.

I’m Amazing!

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ENJOY LIFE

This course will empower and inform you about how to budget your money, how to stretch your income, easy ways to save, how to set financial goals and whether you might qualify for benefits to help you pay your bills. Bring a sack lunch if you want. Part two of the Financial Wellness series is on January 31.

www.LIFEseniorservices.org

(918) 665-1011 www.My-FirstCall.com

All employees are screened, fidelity bonded, liability insured, and drug tested.

Financial Wellness Two-Part Series: Savvy Saving Seniors

Thursday, January 24 • 11:30 a.m. – 1 p.m.

Legacy Plaza • 5330 E. 31st St., Tulsa Free • RSVP • (918) 664-9000

24 Hour Service 7 Days a Week

To find out how you can volunteer with LIFE Senior Services, call LIFE’s SeniorLine.

(918) 664-9000 or visit www.LIFEseniorservices.org

become a

VOLUNTEER

LIFE’s Vintage Newsmagazine | January 2019

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LIFE SENIOR SERVICES' PROGRAMS 5950 E. 31st St. • Tulsa eniorLine Information and S Resource Counseling Medicare Assistance Program Tax Assistance Program Volunteer Program

Adult Day Health LIFE PACE Alternative Care Site LIFE’s Vintage Newsmagazine Community Pick-up

Copies of LIFE’s Vintage Newsmagazine and LIFE’s Vintage Guide to Housing & Services will continue to be available for pick up at the 5950 E. 31st St. location.

LIFE's Business Center Now located in the newly renovated Legacy Plaza

5330 E. 31st St. • Tulsa

In 2016, plans for the future home of Legacy Plaza were announced. The plans included a $60 million renovation and repurposing of the former Dollar Thrifty Plaza by local philanthropic organization the Anne and Henry Zarrow Foundation. Space in the east tower was gifted to local nonprofits, including LIFE Senior Services. The building also includes a training center and conference center for all the nonprofits to share on the ground level.

On December 10, 2018

LIFE Senior Services moved its administrative services to Legacy Plaza.

BUSINESS services include: Human Resources Finance Adult Day Health, LIFE PACE, Vintage Housing and ADvantage Case Management Senior Center locations can be found by visiting Development www.LIFEseniorservices.org/locations or by calling (918) 664-9000.

Marketing

Looking for Answers?

• Affordable Burial Spaces • Family Estates • Private Mausoleums • Cremation Burial Gardens • Columbarium Niches • Permanent Memorial Bronze Markers

Call LIFE’s SeniorLine LIFE’s SeniorLine is the first place to call for information and assistance.

(918) 664-9000

• Upright Granite Monuments • Affordable Lawn-level Granite Markers •Low Monthly Payments for Advance Pre-planning Purchases

CONNECT WITH LIFE FOLLOW US ON

LIFE’S SENIOR CENTERS Stay active this winter by engaging your body, mind and spirit at one of LIFE’s two Senior centers. www.LIFEseniorservices.org LIFE’s SeniorLine (918) 664-9000

www.LIFEseniorservices.org

LIFE’s Vintage Newsmagazine | January 2019

25

HEALTHY AGING

We all know to function at their best vehicles and homes must be maintained.

Our bodies are much the same way. If we don’t maintain them correctly, they will not function well. January is the perfect time to start thinking about your body’s maintenance schedule.

General Wellness Physical If you’re over 65 and in good health, a oncea-year physical wellness exam is a minimum.

Some people set this to happen around their birthday, so it’s not missed. These annual physicals help both you and your healthcare providers track and catch subtle changes that could lead to potentially more severe issues. If you are on Medicare, Part B will cover many of the preventive screenings your doctor will request.

A routine doctor’s visit should include measuring your height and weight, checking blood pressure and reviewing your medicines. You should bring a list including any over-the-counter medications and vitamin/herbal supplements. A review of these non-prescription medications will help assess whether there is a potential for negative interactions between them and any prescriptions you may be given.

Preventive Screenings Depending on your personal risk factors, periodically your physician will suggest additional testing through blood work to detect diabetes, thyroid function and blood electrolyte counts for kidney or heart problems. An EKG, fecal occult blood test and perhaps a colonoscopy may also be beneficial to detect potential issues. Some additional screenings may be recommended

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LIFE’s Vintage Newsmagazine | January 2019

based on your sex such as prostate or pelvic exams. It is now recommended that men as well as women have mammograms, a review of moles or skin anomalies and other tests toward detection of any cancers or other problems. Regular bone density tests for osteoporosis are also recommended because fractured bones can be debilitating or even life threatening.

Vaccinations Vaccines are important for older adults because as we age, our immune systems become less effective. The CDC recommends several vaccines for seniors: • An annual flu shot.

•A tetanus booster every 10 years. This is especially important considering as we age our skin becomes thinner and more susceptible to infections from cuts or bites.

•T DAP vaccine against pertussis (whooping cough), diphtheria and tetanus, especially if you will be around newborns.

• Two pneumonia vaccines, one year apart.

• A shingles vaccine. Even if you received the previous Zostavax, it’s recommended you also get the new and improved Shingrix vaccine.

www.LIFEseniorservices.org

Vision The American Optometric Association recommends annual eye examinations for everyone over age 60. Many eye diseases have no early warning signs. Glaucoma and cataracts can be silent and progress relatively quickly. Seniors are more susceptible to these conditions, which can cause permanent vision damage. Additionally, an optometrist can detect health problems that affect other parts of your body, such as: • Type 2 diabetes – One of the first signs is a small amount of bleeding in the retina.

• Multiple sclerosis, a degenerative disease of the nervous system – Inflammation of an optic nerve can be an early sign.

• Rheumatoid arthritis often causes dry eye issues – Painful inflammation of the iris over a period of time could be an indicator.

• Brain tumors, breast cancer and even lung cancer – Certain types of bleeding in the retina can signal leukemia.

Hearing One in three older adults between the ages of 65 and 74 experience hearing loss. Unfortunately, many seniors wait until their hearing loss affects their lives before they request testing. Hearing disorders also often affect balance in the inner ear, which can result in a potentially serious fall. The National Campaign for Better Hearing encourages everyone to get a baseline hearing test at 60 and to be retested annually.

Sexual If you’re sexually active, you should discuss screening for sexually transmitted diseases such as HIV with your doctor.

LIFE PACE Convenient. Supportive. Smart.

“The LIFE PACE program is a true BLESSING to seniors who are on a fixed income and cannot afford most basic necessities like personal care products, transportation to and from doctor’s visits, medications and so much more.

My mother has been in the PACE program now for almost a year and if it wasn’t for the wonderful people who work tirelessly to help meet her needs then my mom wouldn’t be able to afford what this program provides.

This program is not just a blessing to the seniors but also their families!”

Tina, daughter of LIFE PACE participant

Dental Gum disease can be an important indicator of your overall health. You should have regular exams of your teeth, gums, mouth and throat.

Mental Feeling grumpy, tired, confused or having memory problems may not be dementia or Alzheimer’s disease, but rather a sign of depression. If your doctor diagnoses depression, medication may help, but cognitive behavioral therapy might be a better first step. Some research suggests that exercise and seeking out social activities can help improve brain function. Maintaining heart health may also contribute to brain health.

by Karen J. O’Brien

www.LIFEseniorservices.org

To learn more, call LIFE PACE at (918) 949-9969 or visit www.LIFEPACE.org.

Recognized as a Medicare & Medicaid program.

LIFE’s Vintage Newsmagazine | January 2019

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THE DINNER BELLE

Grilled Cheese and Tomato Bisque

T

he Vault is a place you’ll want to take out-of-town guests to wow them. The atmosphere is unlike any other restaurant in Tulsa – a transformed iconic mid-century modern bank. And the food is original, tasty and offers a variety of health-conscious options.

One cocktail fitting for the environment is The Banker’s Ex-Wife – Svedka vodka, orgeat, lemon juice and seltzer. I always enjoy a good Moscow Mule, and The Vault’s take – the Irish Mule – has a nice kick to it and includes Jameson Whiskey, housemade ginger beer and lime juice.

The Vault, formerly the First National Auto Bank, is unique, memorable, not overpriced and situated in the always impressive Cathedral District of downtown Tulsa.

Chef-proprietor Libby Billings opened The Vault in September 2012. Billings also owns Elote Café and Roppongi Ramen – both located in downtown Tulsa.

In the late ‘50s, the First National Auto Bank was the world’s largest auto bank with six drive-through lanes. The bank also hosted a private conference room named The Tom Tom Room that was said to have held over 350 meetings a year.

Veggie Wrap

The Tom Tom Room – accessed by riding an authentic, bright teal 1950’s elevator – is an iconic part of The Vault and serves as a nighttime hang out, overflow dining and a private dining room. The views of downtown from the balcony of The Tom Tom Room are great, and you may even temporarily forget what decade you’re in.

The Vault serves classic American food and craft cocktails. They focus on quality food made from scratch and in season.

Their craft cocktails are made to order using freshly squeezed juices, housemade syrups and fine quality liquors.

Baked Brie Flat Bread

620 S. Cincinnati Ave. • Tulsa (918) 948-6761 • www.vaultulsa.com

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LIFE’s Vintage Newsmagazine | January 2019

The Vault has a great selection of $8 lunch specials called No. 8 lunches. My favorite is the half sandwich and cup of soup combo. I usually choose the grilled cheese with sharp cheddar, smoked provolone, red onion, green apple and basil on Farrell Bakery sourdough paired with a cup of tomato bisque.

Other lunch selections include the buffalo cauliflower wrap – vegetarian “wings,” avocado, lettuce, local cherry tomatoes and vegan Green Goddess dressing in a spinach tortilla – a BLT, a vegan BLT (made with smoky eggplant) and a chicken salad wrap.

In March, The Vault started offering a brunch on Saturdays and Sundays from 10 a.m. to 3 p.m. Some of the mouthwatering selections include the Salmon Sammy (house-cured salmon, lemon goat cheese whip, red onion, capers and

Monday - Tuesday • 11 a.m. - 9 p.m.

Wednesday - Friday • 11 a.m. - 10 p.m.

Saturday • 10 a.m. - 3 p.m. Brunch • 4 p.m. - 10 p.m.

Sunday • 10 a.m. - 3 p.m. Brunch

www.LIFEseniorservices.org

Chicken Caesar Wrap

spinach on a croissant), the Farmer’s Brunch (cage-free eggs on breakfast potatoes, roasted red bell pepper rouille, sautéed zucchini, squash, spinach and mushrooms) and French toast three ways (croissant, cream cheese frosting and strawberries; sourdough, lemon curd and blueberries; and chocolate bread pudding, candied pecans and caramel).

Of course, the brunch menu also features a few brunch-appropriate adult beverages, including mimosas, Bloody Marys and St. Croix Coffee – dark rum, Luxardo, coconut cream and chilled coffee.

The Vault’s brunch menu ranges from $4.99 for pancakes to $21.99 for the Top Shelf Benny, which features a four-ounce filet and crab claw.

In addition to regular pancakes and vegan pancakes, The Vault also offers a pancake of the day. Some of these have included strawberry and pineapple upside-down cake.

The Vault’s dinner menu has many original selections. Appetizers include crab dip, polenta cakes and baked brie flat bread. For the main course, you can choose from something casual like chicken and waffles, grilled cheese, a BLT, a burger or something more formal, like potato crusted salmon, rainbow trout or a rib eye.

On all of The Vault’s menus, there are plenty of vegan and vegetarian options. Since Billings and her family are vegetarians, she has several meatless recipes up her sleeves, such as pan fried Portobello, a red lentil burger and vegan pasta. It’s a great place to go if you’re on a special diet or just looking to eat healthy and plant based.

For dinner, prices range from $9 for a salad or sandwich to $29 for a steak filet.

LIFE’S ADULT DAY HEALTH LIFE’s Adult Day Health can make any day a great one! Programs and activities are designed to increase and maintain physical skills and abilities, as well as provide an environment of engagement and fun for all participants.

FREE VISIT DAYS AVAILABLE Call LIFE’s SeniorLine

(918) 664-9000 or visit www.LIFEseniorservices.org

The Vault also hosts private events in The Tom Tom Room, main dining room and even rents out the rooftop parking deck for a unique outdoor downtown event.

Interestingly, more than two-thirds of the building actually lies underground, beneath what is now The Vault’s parking lot. Featured underground, which is not open to the public, is one of the largest bank vaults in Tulsa – a walk-through room with huge steel doors and intricate locks at both ends.

by Lindsay Morris

www.LIFEseniorservices.org

LIFE’s Vintage Newsmagazine | January 2019

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MINDBENDER & PUZZLES

Word search: Finance

Hink Pinks

Find and circle all of the words.

Appreciation Assets Bank Bonds Capitalize Commerce

Credit Currency Debt Diversification Earnings Economy

Equity Expense Financial Fraud Interest Investment

Liability Liquidation Loan Loss Overdraft Portfolios

Principal Profit Recession Refinance Retirement Revenue

Hink Pinks are fun rhyming word riddles.

The answer to the riddle is a pair of words that rhyme with each other. For example: Large Feline would be Fat Cat. These will make you think! Answers on page 39.

Risk Stocks Strategy Trader Trustee Yield

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Sudoku

wuzzles

A wuzzle is a saying/phrase that is made up of a display of words, in an interesting way. The object is to try to figure out the well-known saying, person, place, or thing that each wuzzle is meant to represent.

There are six wuzzles below. Answers on page 39.

A politician who has died ______________________________________

Difficulty Level: 1 2 3 4 5 Answers on page 39.

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LIFE’s Vintage Newsmagazine | January 2019

www.LIFEseniorservices.org

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Licensed Home Care Agency (No. 7926)

Buy a raffle ticket for your chance to win a trip for two including airfare.

CHOOSE AN EXCITING DESTINATION: Kentucky Distillery Tours

Broadway Weekend in New York

Napa Valley Wine Experience

Sonoma Wine Experience

Call (918) 664-9000 or visit www.LIFEseniorservices.org for more information and to purchase tickets.

Thank You for Supporting LIFE Senior Services

www.LIFEseniorservices.org

LIFE’s Vintage Newsmagazine | January 2019

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Noteworthy Celebrate LIFE Raffle offers chance for amazing trip Celebrate LIFE 2019, LIFE Senior Services' annual fundraising gala, includes a raffle which will send the winner on the trip of a lifetime. Previously known as Puttin’ on the Dog, Celebrate LIFE not only changed its name for 2019, but also added exciting new activities, decorations, entertainment and more. Thanks to our new co-chairs – Kevin and Melanie Burdick and Scott and Laura Shepherd – our annual gala is really mixing things up this year.

Raffle tickets are being sold leading up to the event on March 7, which will entitle the winner to a trip for two full of memorable moments. Raffle tickets are $25 each or five for $100. They may be purchased online or by calling (918) 664-9000.

The winner of the raffle may choose from the following trip options: • Kentucky Distillery Tours – Winners will tour and taste at Stitzel-Weller, Maker’s Mark and Jim Beam. Airfare to Louisville, threenight hotel stay, transportation in a luxury SUV and lunch in Bardstown round out the experience.

• Broadway Weekend in New York – Two tickets to a Broadway show of your choice, $200 gift card for dining at one of four participating restaurants, airfare for two and three-night hotel accommodations make this trip to the Big Apple unique.

• Napa Valley Wine Experience – Hands-on cooking class with Julie Logue-Riordan from “Cooking with Julie” and tour of Oxbow Market is followed by three-course lunch and wine pairings. The trip also includes a threehour gourmet dinner on the Napa Valley Wine Train, private tour and tasting at Talcott Olive Oil Estate, three-night stay at Meritage Resort and Spa in Napa Valley and round-trip airfare to San Francisco or Oakland.

• Sonoma Wine Experience – This trip includes a private VIP tour, tasting and picnic lunch at Benzinger Family Winery, private VIP tour and tasting at Imagery Estate Winery and six consecutive hours of chauffeured luxury sedan service. Winners will enjoy a three-night stay at Fairmont Sonoma Mission 32

Events to Inspire, Educate and Motivate!

Inn & Spa, including daily breakfast. The experience also includes round-trip airfare into either San Francisco or Oakland.

The Celebrate LIFE event fuels LIFE’s mission of promoting and preserving independence for seniors today – tomorrow – always. Individual tickets to the gala are $150 each, and sponsorships are available. For more information, visit our website at www.LIFEseniorservices.org.

Gilcrease Exhibits Provide Unique Perspective on History Two exhibits now featured at Gilcrease Museum provide an interesting perspective on our history and race relations. “Albert Bierstadt: Witness to a Changing World" showcases 75 artworks by the master known as a premier western landscape artist. And “The Chisolm Kid: Lone Fighter for Justice for All” portrays a heroic black cowboy driving longhorns on the famous Chisolm Trail.

“Albert Bierstadt: Witness to a Changing World” – Exhibit Open Through February 2019 Well-known for his lush western landscapes, Bierstadt also tried to convey a moral message through his works of art. He attempted to honor the Native peoples of the west in his work.

And a popular subject for his paintings – the bison – resounded with him, and he tried to inspire empathy for remnant herds of bison in Yellowstone National Park as the iconic American species neared extinction. The exhibition will also look at Native Americans and how they have historically been treated by American people and by the U.S. government in art.

“The Chisolm Kid: Lone Fighter for Justice for All” – Exhibit Open Through March 2019 The Chisolm Kid was a color comic strip that ran in the early 1950s in the Pittsburgh Courier. It paid homage to the years after the Civil War when many freedmen found work as cowboys. It’s estimated that as many as 25 percent of the cowboys driving longhorns from Texas through Indian Territory and into Kansas were African-American. During the early 1950s, the depiction of The Chisolm Kid as a force for good was unique. The positive image of the heroic Kid elevated his status to equal that of his contemporaries: Hopalong Cassidy and The Lone Ranger. The Chisolm Kid was also ahead of his time since he enjoyed total empowerment and civil rights well before the start of that movement in the 1960s. He personified Dr. Martin Luther King Jr.’s dream of being judged based on character rather than skin color.

LIFE’s Vintage Newsmagazine | January 2019

Gilcrease Museum, 1400 N. Gilcrease Road, Tulsa, is open Tuesday through Sunday from 10 a.m. to 5 p.m. Admission is $8 for adults, or $6 for seniors and members of the military.

Chamber Music Tulsa Concert Special If you thought the gift giving was over, you were wrong! You can buy tickets to three Sunday afternoon concerts from Chamber Music Tulsa for only $60. Normal ticket costs are $25 per concert in advance or $35 at the door. All ticket purchases are subject to box office fees, which are not part of the listed prices.

The three concerts providing entertainment throughout the first quarter of 2019 explore the diversity possible in chamber music. Concerts include: • Kenari Saxophone Quartet, January 27, 2019 – This group was formed at the Indiana University School of Music and has been winning recognition and awards for their creative programs and compelling stage presence. Their Sunday afternoon program will include “Escaich: Tango Virtuoso,” “Mellits: Ex Machina,” “Gershwin: Rhapsody in Blue,” “Piazolla: Adios Nonino” and more.

• Gryphon Trio, March 3, 2019 – This trio exemplifies chamber music as a living tradition. Their program pays tribute to the classics while embracing the work of new, contemporary composers. Their program will include “Clarke: Trio in E-flat Major,” “Wijeratne: Love Triangle,” and “Ravel: Trio in A Minor.”

• Carpe Diem String Quartet, April 28, 2019 – This quartet is known for boundary-breaking performances that are redefining chamber music today. A favorite among their repertoire is the “Fiddle Suite Montana,” which was composed by the group’s violist to reflect the unique sound that comes from combining her Japanese heritage and mountain fiddling background. Their program includes “Shostakovich: Quartet in F Minor,” “Nytch: Seize the Sun: Fantasy on Icarus,” “Fujiwara: Fiddle Suite Montana” and more.

Sunday afternoon concerts from Chamber Music Tulsa feature full-length performances in the relaxed atmosphere of the Williams Theatre at the Tulsa Performing Arts Center, 110 E. 2nd St. in Tulsa. Concerts start at 3 p.m., but music lovers are encouraged to arrive early for a 2:15 p.m. pre-concert lecture about the music to be played during the performance. Ticket information is available at www.chambermusictulsa.org or by calling (918) 587-3802. www.LIFEseniorservices.org

Share To submit a volunteer opportunity, contact Associate Editor Emily Fox at efox@LIFEseniorservices.org or (918) 664-9000.

LIFE Senior Services' Tax Assistance Program is looking for people to help others in our community by becoming a volunteer with the Tax Counseling for the Elderly (TCE) Program at LIFE Senior Services.

Volunteer roles range from basic office support to assisting low or moderately low income seniors age 60 and older file their taxes for free. All volunteers receive training. For more information, call (918) 664-9000.

LIFE Senior Services and LIFE’s Vintage Housing need a volunteer to bring food deliveries from the Community Food Bank of Eastern Oklahoma, 1304 Kenosha Ave., Tulsa, to Cornerstone Village, 1045 N. Yale Ave., Tulsa. The volunteer helps the first and third Monday of every month from 8:45 to 11 a.m. The volunteer would be required to lift potato and onion bags (among other items), organize produce and help seniors back to their apartments with groceries. Training is provided. For more information, call (918) 664-9000.

Laureate Psychiatric Clinic and Hospital is recruiting volunteers for several positions. Current openings include front desk/outpatient clinic, inpatient units, eating disorders program and visitor check-in. For more information, contact Susan Jennemann at (918) 491-3778.

The Coffee Bunker encourages everyone to start the New Year by helping a veteran! The Coffee Bunker offers a place of safety and support for local veterans. The Bunker is open every holiday, so event volunteers are welcome and daily volunteers are essential. Exciting and rewarding volunteer opportunities are available Monday through Saturday. For more information, contact Joni at (918) 637-3878 or joni@coffeebunker.org.

Tulsa County Courthouse needs data entry operators or volunteers with data entry skills who can input court records into a database two or three times a week. The hours are during normal office hours, weekdays, from 8 a.m. to 5 p.m. The location is the Tulsa County Courthouse at 500 S. Denver Ave. Volunteers provide a vital public service as timely input of data allows judges to act more quickly. For more information, contact Annette at (918) 280-8656 or annette@rsvptulsa.org.

Family Safety Center needs volunteers to greet clients and offer general support and guidance to new clients who have often come straight from the hospital, shelter or police station. Volunteers typically work a four-hour shift Monday through Friday, between 8 a.m. and 5 p.m. Volunteers receive training on relationship violence and trauma. The Family Safety Center is located at 600 Civic Center on the first floor of the Tulsa Police Department, next to the Cox Business Center. Volunteers receive free parking in the Civic Center parking garage. A background check is required. For more information, contact Sherry at (918) 280-8656 or sherry@rsvptulsa.org.

Oklahoma Center for Community and Justice (OCCJ) volunteers are needed in various Tulsa county elementary schools to help students identify, talk about and prevent prejudice. As OCCJ facilitators, you will be provided with materials and training. Teaching tools range from videos, picture books and class discussions for grades first through third. The education focuses www.LIFEseniorservices.org

Our most valuable possessions are those which can be shared without lessening - those which, when shared, multiply. Our least valuable possessions, on the other hand, are those which, when divided, are diminished.

– William H. Danforth

on stereotyping, speaking different languages, interracial friendships and standing up against prejudice. Each session lasts about 35 minutes, and the course includes six weekly sessions. As volunteers are recruited, they will be matched to a school that fits their schedule and will then schedule the educational programming on an individual basis. Volunteers are also needed to facilitate interactive workshops for 7th and 8th grade students. The “Middletown” program was developed to provide students with tools and skills needed to reduce stereotyping and bullying in their schools. Programs are provided during regular school hours and can be adapted to meet your schedule. OCCJ provides training and materials to roll the program out to all middle schools in Tulsa County. For more information, contact Annette at (918) 280-8656 or annette@rsvptulsa.org.

American Red Cross volunteers are needed in several areas: • Blood Service Transportation volunteers deliver blood to area hospitals. Deliveries are made on a routine basis with a standard, scheduled shift each week. Most deliveries are done during normal weekday business hours, but night and weekend volunteer opportunities also exist.

• Disaster Action Team Member volunteers work with other team members to respond to area disasters and assist families impacted by fires, severe weather and other disasters. Volunteers respond to disasters as needed and may be involved in offering assistance to victims or providing canteens and support for first responders at the scene.

• Preparedness Educator volunteers teach others how to prepare for disasters. Volunteers are fully trained and then establish connections in the community to identify opportunities for education.

For more information, contact Annette at (918) 280-8656 or annette@rsvptulsa.org.

Tulsa Area United Way (TAUW) – VITA Program needs volunteers to assist with the Volunteer Income Tax Assistance (VITA) Program.

This program provides free income tax prep to low income Tulsans. No experience needed. Volunteers receive free, IRS-sponsored learning that is both online and in a classroom setting. The assistance is offered at five sites around Tulsa from the first week in February to April 15. The greatest need is during the daytime on weekdays, but there will be some evening and weekend sessions. Volunteers choose the site and time commitment that works best for them. Volunteer training starts in January. For more information, contact Annette at (918) 280-8656 or annette@rsvptulsa.org.

Power Up! Plus+ needs volunteers to teach the latest computer skills to justice-involved individuals working with Community Service Council Tulsa/Tulsa Reentry One-Stop. Classes are held Thursdays from 9:30 to 11:30 a.m. at 533 E. 36th St. N in Tulsa. Curriculum includes email, internet searches, creating Word documents and other basic computer skills.

Volunteers receive on-the-job training from a lead instructor onsite. For more information, contact Sherry at (918) 280-8656 or sherry@rsvptulsa.org.

LIFE’s Vintage Newsmagazine | January 2019

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CALENDAR Festivals Events Rose Bowl/Football New Year’s Party

Popcorn, pretzels, root beer floats, friends & fun January 1 • 5:30 p.m. • Free Broadmoor Retirement Community 8205 E. 22nd St. • Tulsa (918) 622-2151 • RSVP Rose District Ice Skating

Outdoor ice skating Through January 6 • Hours vary $12 (with skates) Rose District Pavilion 418 S. Main St. • Broken Arrow www.rosedistrict.com/icerink Tulsa Symphony Presents Classic Concert Series

January 5 • 7:30 p.m. • $15 – $70 Tulsa Performing Arts Center 110 E. 2nd St. • Tulsa (918) 584-3645 Golden Globes Watch Party

Join us at 6 p.m. for red-carpet arrivals, trivia & snacks January 6 • 7 p.m. • $5 Free for members Circle Cinema • 10 S. Lewis Ave. • Tulsa (918) 592-3456 • www.circlecinema.com Second Saturday Silents

“Ella Cinders” (1926) January 12 • 11 a.m. • $5 Circle Cinema • 10 S. Lewis Ave. • Tulsa (918) 592-3456 • www.circlecinema.com Western Hills Winter Blue Grass Festival

To submit a calendar item, contact Associate Editor Emily Fox at efox@LIFEseniorservices.org or (918) 664-9000.

Mighty 90s Celebration

Monthly Meeting & Program

Honoring Broadmoor residents & friends who are 90+ January 24 • 2:30 p.m. • Free Broadmoor Retirement Community 8205 E. 22nd St. • Tulsa (918) 622-2151 • RSVP by January 22

Presented by Sons of Union Veterans of the Civil War, Indian Nation Camp January 24 • 6:30 p.m. • Free Herman & Kate Kaiser Library 5202 S. Hudson Ave. • Tulsa (918) 663-1228

Green Country Home & Garden Show

LOUD for LIFE

January 25 – 27 • Times vary • Free Expo Square • 4145 E. 21st St. • Tulsa (918) 523-2003 Tulsa Boat, Sport & Travel Show

January 28 – February 3 • Times vary $10 • River Spirit Expo at Expo Square 4145 E. 21st St. • Tulsa (918) 519-1210

Classes, Meetings Seminars Diabetes Empowerment Education Program

Offered by Ability Resources January 4 – February 15 • 10:30 a.m. • Free Woodland Manor • 8641 E. 61st St. • Tulsa (918) 592-1235 • RSVP requested Roy Clark: Hee Haw – Yesterday When I Was Young

Speaker Cleo Justice, Tulsa Public Library ambassador January 8 • 6:15 p.m. • Free Broadmoor Retirement Community 8205 E. 22nd St. • Tulsa (918) 622-2151 • RSVP Gilcrease Presents: Frederic Sackrider Remington/Charles Marion Russell

January 17 – 19 • Times vary • Prices vary The Lodge at Sequoyah State Park 17131 Park 10 • Wagoner (405) 272-8578 • (405) 535-9179

Speaker Dana Simon January 17 • 2 p.m. • Free Broadmoor Retirement Community 8205 E. 22nd St. • Tulsa (918) 622-2151 • RSVP

Eagle Tour & Loon Watch

Art Focus

January 19 & 26 9 a.m. • Eagle Tour • Sequoyah National Wildlife Refuge 2 p.m. • Loon Watch • Tenkiller State Park Driftwood Nature Center Vian • (918) 489-5641 Martin Luther King Jr. Parade

January 21 • 11 a.m. • Free Detroit & John Hope Franklin Blvd. • Tulsa (918) 492-9495

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For individuals with early stage Alzheimer’s and their caregivers.

Presented in partnership with the Alzheimer’s Association of Oklahoma January 15 • 10 a.m. – noon • Free Philbrook Museum Villa 2727 S. Rockford Rd. • Tulsa (918) 748-5325 Tulsa Genealogical Society

January 21 • 6 p.m. • Free Hardesty Regional Library 8316 E. 93rd St. • Tulsa (918) 836-1329 • www.tulsagenealogy.org

LIFE’s Vintage Newsmagazine | January 2019

Parkinsons voice maintenance class Tuesdays • 12 – 1 p.m. • Free Swallowing & Neurological Rehabilitation, LLC 2121 S. Columbia Ave. • Tulsa (918) 928-4700 www.tulsasnr.com I Can’t Hang Art with Ahha Tulsa

January 28 • Noon – 12:45 p.m. • Free McKeon Center for Creativity 910 S. Boston Ave. • Tulsa (918) 595-7339 www.tulsacc.edu/centerforcreativity Single Seniors 55+

Join for lunch, visiting & cards Wednesdays • 11 a.m.

Buffet Palace • 10934 E. 21st St. • Tulsa (918) 272-1049

Support Groups

LIFE’s Caregiver Support Groups

Sponsored by the Alzheimer's Association 24/7 Helpline • (800) 272-3900 LIFE Senior Services • (918) 664-9000 Respite provided • Free LIFE’s Adult Day Health at Broken Arrow January 10 • 3 – 4:30 p.m. • Free 3106 S. Juniper Ave. • Broken Arrow LIFE’s Adult Day Health at Central January 3 • 6 – 7:30 p.m. • Free January 17 • 3 – 4:30 p.m. • Free 5950 E. 31st St. • Tulsa LIFE’s Adult Day Health at North January 15 • 4 – 5 p.m. • Free 902 E. Pine St. • Tulsa Support Group for Progressive Supranuclear Palsy & Related Brain Diseases

For patients & family members January 2 • 2 – 3:30 p.m. • Free Warren Clinic, Conference Room 6600 S. Yale Ave. • Tulsa (918) 557-8784 Alzheimer’s Support Group Share & Care

January 2 • 3:30 – 4:30 p.m. • Free Heritage Point of Tulsa 9494 E. 101st St. S • Tulsa (918) 940-1800 • RSVP

Pillars Caregiver Support Group Sponsored by Saint Francis Cancer Center January 3 • 5:30 – 7 p.m. • Free Saint Francis Cancer Center 11212 E. 48th St. •Tulsa (918) 556-3000 OK Parkinson’s Disease Support Group

January 8 • 1 – 2:30 p.m. • Free PAM Rehabilitation Hospital 10020 E. 91st St. • Tulsa (918) 977-1100 Caregiving Coffee & Conversation

Sponsored by Morton Comprehensive Health Services January 8 & 22 • 9 a.m. • Free Christ United Methodist Church 3515 S. Harvard Ave. • Tulsa (918) 295-6154 Tulsa Hearing Helpers Support Group

Speaker Ana Covey on Assist2Hear (hearing loops) January 10 • 10 – 11:30 a.m. • Free Total Source for Hearing-Loss and Access 8740 E. 11th St. • Tulsa (918) 832-8742 • www.tsha.cc Grandparents Raising Grandchildren Support Group

Free childcare for children under 12 January 15 • 6:30 p.m. • Free Asbury Methodist Church 6767 S. Mingo Rd. • Tulsa (918) 381-1931 • RSVP Primary Progressive Aphasia (PPA) Support Group

January 15 • 6 – 7 p.m. • Free Swallowing & Neurological Rehabilitation, Inc. 2121 S. Columbia Ave. • Tulsa (918) 928-4700 • www.tulsasnr.com OK Parkinson’s Disease Support Group

January 23 • 2 p.m. • Free Central Tech in Sapulpa 1720 S. Main St. • Sapulpa (918) 747-3747 OK Parkinson’s Disease Support Group

January 24 • 1 – 2 p.m. • Free Owasso Community Center 301 S. Cedar St. • Owasso (918) 272-3903 • (918) 417-9363

www.LIFEseniorservices.org

Tulsa Ostomy Support Group

Tai Chi

January 24 • 6:45 p.m. • Free University Village 8555 S. Lewis Ave. • Tulsa (918) 446-8542

Mondays, Wednesdays & Fridays 9:30 a.m. • Free for members LIFE’s Senior Center at East Side 1427 S. Indianapolis Ave. • Tulsa (918) 744-6760

Alzheimer’s Caregiver Support Group

For Saint Simeon’s families & those who have loved ones with dementia January 24 • 6 – 7:30 p.m. • Free Saint Simeon’s Smith Conference Room 3701 MLK Jr. Blvd. • Tulsa (918) 794-1945 • RSVP by January 21 Caregiver Support Group

January 28 • 2 – 3 p.m. • Free Owasso Community Center 301 S. Cedar St. • Owasso (918) 274-8154 • (918) 978-7103

Dancing

Lake Keystone Squares

January 4 & 18 • 7:30 p.m. • $4 Memorial Drive United Methodist Church 7903 E. 15th St. • Tulsa (918) 740-5419 Belles & Beaus Square Dance Club

January 14 & 28 • $4 Workshop 7 p.m. • Dance 7:30 p.m.

St. Marks Methodist Church 10513 E. Admiral Pl. • Tulsa (918) 437-7277 Tulsa Elks Lodge Dance Lessons

Mondays • 7 p.m. East Coast Swing Wednesdays • 7 p.m. West Coast Swing Free Elks members • $5 nonmembers Tulsa Elks Lodge 5335 S. Harvard Ave. • Tulsa (918) 557-1699 Learn to Line Dance Class

Tuesdays & Thursdays 1:30 – 2:30 p.m. • Free Owasso Community Center 301 S. Cedar St. • Owasso (918) 272-3903 Saturday Night Dances

Live bands, large dance floor; nonsmoking Saturdays • 7:30 p.m. $6 members • $8 nonmembers Moose Lodge 862 • 11106 E. 7th St. • Tulsa (918) 437-8850

Fitness

Exercise for Seniors

Mondays, Wednesdays & Fridays 8:30 – 9:20 a.m. • 9:30 – 10:20 a.m.

Owasso Community Center 301 S. Cedar St. • Owasso (918) 272-3903 • Free Zumba with Ariane Betancourt

First class free with Vintage Newsmagazine Mondays & Wednesdays • 6 p.m.

Saturdays • 10 a.m. • $7 Total Blast Zumba Tulsa 2607 S. Memorial Dr. • Tulsa (918) 812-5691 www.arianebetancort.zumba.com Rock Steady Boxing

For people with Parkinson’s Mondays, Wednesdays & Fridays 1 – 2 p.m. • $15 per class/$85 a month Impact Fitness, The Farm Shopping Center 6570 E. 51st St., Ste. A • Tulsa (918) 516-8482 • www.tulsa.rsbaffiliate.com Advanced Pickle Ball

Tuesdays & Thursdays • 12:30 p.m.

Free for members LIFE’s Senior Center at Southminster 3500 S. Peoria Ave. • Tulsa (918) 749-2623 Tai Chi: Moving for Better Balance

Presented by Creek County Health Dept. & Creek County Literacy Program Tuesdays • 10 – 11 a.m. • Free Creek County Literacy Program 15 N. Poplar St. • Sapulpa (918) 224-9647 Tai Chi for Arthritis & Fall Prevention

Presented by Ability Resources; call for location near you Various locations & times • Free (918) 592-1235

www.LIFEseniorservices.org

Senior & Caregiver Community Education Laughter Yoga

Interested in feeling better? Looking for low impact exercise? Laughter Yoga is a fun way to exercise that’s new and exciting. Try it for improved physical and mental health or out of curiosity. No yoga mat required.

Wednesdays, January 9 & 23 • 1 – 2 p.m.

LaFortune Community Center • 5202 S. Hudson Ave. • Tulsa Free • Reservations Requested • (918) 664-9000

Diabetes Education and Empowerment Program (DEEP)

This six-week interactive series is designed for people with diabetes, prediabetes and those caring for someone with the disease. Topics include risk factors, nutrition, physical activity, monitoring, working with a care team, accessing community services and handling complications.

Thursdays, January 17, 24 and 31 & February 7, 14 and 21 • 3 – 5 p.m.

Legacy Plaza • 5330 E. 31st St. • Tulsa Free • Reservations Requested • (918) 664-9000

Legal Documents FOR Advance Planning

Join Tulsa attorney Jamie Miller to learn about the documents that help families care for and manage the needs of their loved ones. Documents discussed will include the Oklahoma advance directive, powers of attorney, wills, trusts and estate planning options, including those that help avoid probate.

Tuesday, January 22 • 1:30 – 3 p.m.

Legacy Plaza • 5330 E. 31st St. • Tulsa Free • Reservations Requested • (918) 664-9000

Resilience: Strength and Caring after Trauma

Trauma-related stress, especially stressors from childhood, follow us throughout our lives. Learn about research on trauma and how resources to build resiliency can mean a better future for families and our community. The must-see short documentary film, “Resilience,” will be shown.

Friday, January 25 • 10 a.m. – Noon Tulsa Health Department North Regional Health & Wellness Center 5635 N. MLK Jr. Blvd. • Tulsa Free • Reservations Requested • (918) 664-9000

Seated Yoga with Lucy Weberling

Wednesdays • 9:30 – 10:15 a.m. $15/session • $50/month Ramona Senior Center 4th St. & Cherokee Ave. • Ramona (918) 633-8890

Parkinson’s Swim

For individuals with Parkinson’s & their loved ones January 22 • 3 – 4 p.m. • Free Saint Simeon’s Wellness Center 3701 Martin Luther King Jr. Blvd. • Tulsa (918) 794-1925 • RSVP by January 18

LIFE EDU

Dealing with Dementia

This four-part program for caregivers of persons with dementia offers insight into the caregiving experience, provides an easily understood explanation of dementia, shares best practices in dementia caregiving, problem solving around dementia behaviors and tips for caregiver self-care.

Tuesdays, January 29, February 5, 12 & 19 • 5:30 – 7 p.m.

Creek County Literacy Program • 15 N. Poplar St. • Sapulpa Free • Reservations Requested • (918) 664-9000

LIFE leaves denote programs that are offered by LIFE Senior Services.

LIFE’S SENIOR CENTERS With two locations in midtown Tulsa, LIFE’s Senior Centers offer a variety of activities for adults age 50 and older. To discover all that LIFE has to offer, call LIFE’s SeniorLine at (918) 664-9000 or visit www.LIFEseniorservices.org/seniorcenters.

LIFE’s Vintage Newsmagazine | January 2019

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PEOPLE & PLACES

Ben enjoyed picking out peaches at the Peach Barn. He couldn’t wait to get back to Woodland Terrace and share them with his friends.

Bill and Santa at Oxford Glen Memory Care in Owasso.

The staff at Oxford Glen helped Marie S. celebrate her 103rd birthday with a “Roaring 20s” party.

Residents from Country Club at Woodland Hills enjoyed a night of John Williams’ music at the TCC Signature Symphony.

Oklahoma Caring Award winners were announced at an event benefitting A group at Heritage Point of Tulsa Hospitality House of Tulsa. Winners included Shannon Wilburn, LeRon participated in their own Walk to End West, Collective Church, Switchgear Search and Recruiting, Bob Hurley Auto Alzheimer's.

Families and Crossover Health Services.

Erwin and Marie, residents at Woodland Terrace, enjoyed a fun trip to the Tulsa Air and Space Museum to celebrate National Aviation Day.

Will Rogers Memorial Museum Ropers Martha Swartz and Leona Holden at the 82nd Annual Will Rogers Memorial Rodeo Parade.

Another docent, Dexter Bolin, was in the pickup pulling the wagon.

Melissa Stallcup, Mac Stallcup, Phyllis Anderson, Steve Anderson, Barbara Turner, Nancy Mason, Tom Mason, John Turner and Lisa and Tom Schooley at Western Days 2018, Saint Simeon’s annual fundraiser.

Send Us Your Pictures

We Want To See Seniors Smiling & Active

Whether it is your traveling group, tennis buddies or a night on the town, we want your pictures!

Submit high-resolution photos to editor@LIFEseniorservices.org by the 1st of every month.

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LIFE’s Vintage Newsmagazine | January 2019

www.LIFEseniorservices.org

CLASSIFIEDS

LIFE’s Vintage Newsmagazine does not endorse advertiser products or services. The publisher reserves the right to refuse any advertising.

AUTO REPAIR

Strickland Automotive Strickland Automotive is locallyowned and - operated with over 40 years of auto repair experience.

We perform all types of vehicle repair, from computer and electrical problems to engine and transmission overhauls. ASE Certified mechanics. Open six days a week, with towing provided.

Call Gary. (918) 832-7072.

CARPET CLEANING

ALL PRO Carpet Cleaning Senior and caregiver discounts.

Carpet, furniture, rug cleaning.

Pet odor removed and Teflon protectant available. Emergency water extraction. Residential and commercial services. Professional truck mount steam cleaning. Carpet repairs and restretching. Prompt, professional, quality service at a fair price. Certified, insured. Veteran owned and operated. Call Thomas Fink, owner/technician, for free estimate (918) 636-6303.

COMPUTER SERVICES

Computer and Electronic Assistance Are you stuck and need Help with your computer or any electronic device. Price and Son Computer and Technology Services, LLC will be glad to assist you in your home.

Call James or Jared at (918) 236-6010 or email us at office@pricestechhelp.com to schedule an appointment.

Does Technology Frustrate You? Honest, patient, ethical help with your pc, router, wifi, cell phone, email, streaming, camera, password recovery, etc. 30 years of IT experience in Tulsa. Special rates for seniors. References available.

Call or email Carmen Armstrong.

Carmstrongva@gmail.com (918) 688-7453.

DAYTIME CARE

Daytime care for older loved ones LIFE’s Adult Day Health offers convenient, affordable daytime CEMETERY LOTS care at three locations in Tulsa 4 Lots – Garden of Prayer and Broken Arrow. For more Floral Haven Cemetery. 4 burial plots information, call LIFE’s Adult Day in Garden of Prayer. Value $4,900 Health at (918) 664-9000. each. Asking $2,300 each or OBO. ESTATE SALES May verify in Floral Haven office.

Call John or Judy at (918) 781-9498. 2MS Estate Sales ...Tulsa’s Finest!

Faith Section in Floral Haven Downsizing? Estate Liquidation?

Two spaces in Lot 177-C Faith Let us take the worry away and section, spaces 3 & 4. Value for each Maximize your return. No out of space $3,400, will take $2,100 each pocket expense. We specialize space. Buyers pay transfer fee. in senor transitions, with over 20 Also, Faith section Lot 177-A, years in the senior housing market.

1 space with second burial right.

My team includes realtors, moving Value $5,100 will take $3,450. company, senior housing and Call (405) 380-2779. attorneys if needed. Please contact Michelle Reed (918) 691-5893 or Green Acres – Reasonably Atulsa@aol.com also Facebook Priced 2MSestatesalestulsa for a Free Green Acres Memorial Gardens consultation. offers reasonably priced spaces, markers and opening and closing.

My Estate Sale Spaces start at $650.00. We have Looking for someone to conduct payment plans for pre-need. If your Estate Sale? We have over you need our service please call 50 years combined experience in (918) 492-4005 Monday thru our crew in both marketing and Friday 9:30-2:30. appraisals. Our appraiser works with a broad range of antiques and Memorial Park Cemetery Lots collectibles for probate, divorce or Memorial Park Cemetery lots for home owners insurance. Tulsa sale in Valley Glen West. Spaces and surrounding areas. Call 1, 4, 5, 6, 7, 8 in lot 59 section 33.

(918) 388-7410.

Lots located close to road, south end on Memorial side. Will sell FINANCIAL/INSURANCE lots separately. Call Sally for more Investor Wanted information (918) 625-4635.

Established business owner would like to borrow $20,000 at Memorial Park – Great Value 12% interest will pay $200 month Memorial Park lots close to Bob interest only payments then a Wills, in garden of Chrustas. balloon payment of $20,000 Valued at $2,145.00 each selling December of 2020. Guaranteed for $1,100.00 each. Contact Carl at (918) 381-9634.

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www.LIFEseniorservices.org

two ways. References available. Serious inquiries only. (918) 625-1770.

Medicare Assistance Program The Medicare Assistance Program (MAP) at LIFE Senior Services provides accurate information, counseling and assistance relating to Medicare benefits for Medicare beneficiaries, their representatives and persons soon to be eligible for Medicare. Call MAP at LIFE Senior Services (918) 664-9000 or toll-free (866) 664-9009.

Green Touch Lawn and Landscaping Mowing, leaf removal, tree trimming or removal, shrub trimming, gutter cleaning, Fall/Spring cleanups and flower bed reconditioning. For the perfect manicured lawn, call Green Touch Lawn and Landscaping.

(918) 404-1719.

Kimble Davis Tree Company Family-owned and operated.

Specializing in all aspects of tree care: restoration, pruning/thinning, removal, stump grinding, hedge trimming, firewood available.

Serving Tulsa for 25 years.

References. Member BBB. Insured.

ISA certified arborist. Check us out at www.kdtreeco.com.

Call Kimble at (918) 853-5383.

Need A New Medicare Plan?

The Medicare Supplement Store at Promenade Mall is your “One-StopShop” for Medicare Supplements, Advantage Plans, & Drug Plans.

We can give you a quote from HOME REPAIR/REMODELING top-rated carriers like: Aetna, Blue Cross, Humana, GlobalHealth, UnitedHealthCare, Mutual of Omaha A Handy Helping Hand Professional home maintenance, and others. For information, call painting, and improvements.

Bob Archer today (918) 814-5550.

Whether you’re making overdue GARDENING/LAWN SERVICES repairs, sprucing up your home and garden, or optimizing your AAA Lawns & More home’s “sale-ability” potential, call Leaf removal and snow removal.

Joe Surowiak with A Handy Total lawn care. Lawn Mowing.

Helping Hand. Professional results.

Rototilling. Gutter clean-up.

Competitive rates. (918) 520-0333.

Specialist in fence/property line lawn clean-up. Stump grinding Allen’s Handyman Services and small tree work. Dedicated of Tulsa to making your lawn look its best.

“Your Home Improvement and Insured, honest, experienced and Repair Specialist.” 19th year dependable. Veteran-owned. We are a small company with personal serving Tulsa seniors. “One call can do it all.” 10% senior discount. service. References available.

Insured. All work guaranteed FREE ESTIMATES. Call Larry. in writing. No pay until job is (918) 361-1299. completed. Plumbing, drain A New Season Lawn Care & cleaning, grab bars, electrical, Landscape carpentry, painting, seamless Full service. Time for Fall Cleanguttering installation/repair/ up!! Weed control, fertilization, and cleaning. Dryer vent cleaning. pre-emergent. Mowing, trimming, Roof, tile and drywall repair. Wood leaf removal, hedge trimming, lawn siding/trim replacement. Deck aeration. Small tree trimming. repair, power washing, staining.

Insect control of all kinds. We Tree trimming. No job too small. offer weekly, bi-weekly & year For free estimate, call Allen at round services. Privacy fence (918) 630-0394. installation and repair. Best rates, senior discounts. Free Estimates.

Big C’s Plumbing Services Accepting new customers!!

Your one stop Plumbing Shop!

Call Todd (918) 639-2262.

Call us and I guarantee you will www.newseasonlawncaretulsa.com never have to call another plumbing company. Licensed, bonded and Green Hibiscus Lawn & insured for your protection....Call Garden Services (918) 855-9216, tell us you saw Scheduled garden maintenance us in the Vintage Newsmagazine (weeding, planting, mulching). receive an automatic 10% Garden bed design and installation. discount....call us now.

Hedge & shrub trimming. Tree pruning & removal. Leaf clean up.

Bumgartner Plumbing Hauling green debris. Call Charles Licensed, with over 30 years of (918) 636-0298. experience. Rates are low and based on the job, not the hour.

No service call fee or travel time charge. Senior and caregiver discount. Plumbing service and repair our specialty. Honest, Continued

LIFE’s Vintage Newsmagazine | January 2019

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CLASSIFIEDS professional service you can count on. Lic. # 82750. (918) 355-4747.

Burton Painting Specializing in all aspects of exterior and interior home painting.

Staining, sealing, and painting faux finishes. Decks, fences, cabinets and floors. Free estimates. 30+ years of experience. Reliable, courteous, professional service.

Fully insured. (918) 378-2858.

Dave’s Heat and Air, Inc. Licensed, insured, and bonded.

Honest and reliable service for over 30 years. Competitive rates.

Specializing in heating and air conditioning service and repair. All makes and models. Residential and light commercial. Tulsa metro area.

Family-owned and operated.

(918) 437-8101.

Free Roof Inspection Honest and ethical storm inspection for your home. Small roof repairs free for seniors.

Emergency storm repair. Free home remodel estimates.

Insurance specialists. Licensed.

Locally owned, located on Main in Broken Arrow, right next to the senior center. Proof Construction, 1802 South Main St. Broken Arrow, OK. Call Carmen (918) 688-7453 G.C., P.M. Handyman & Construction Services 30 Years Experience! All Handicap Accessories - grab bars, handicap access abilities; Framing, Drywall, Tape & Bed; Texture & Paint, Plumbing, Electrical, Tile, Laminate & Wood Floors. Free Estimates, Competitive Rates, Professional Service. Call Craig (918) 892-4168.

Same Day Services Light Hauling /Light Moving - help you rearrange room furniture, lawns-grass mowing/small paint jobs/cleanup/ fence repair/light construction/sheet rock tile repair - We are honest dependable.

References. Call (918) 313-5230.

Scrap Metal Haul Off Free haul off/pick up of appliances such as washers, dryers, refrigerators, air conditioners, hot water tanks and any scrap metal.

Call John at (918) 313-4405.

LEGAL

Full Service Estate Planning Law Firm Trusts, Wills, Gift and Tax Planning, Powers of Attorneys and more! With offices in Sand Springs and Tulsa. Discount to Veterans and Retired Teachers. Willing to meet you in your place for no extra charge! Call Penni of the Skillern Law Firm at (918) 805-2511. www.skillernlaw.com 38

MOVERS

Tulsa Movers Dependable Movers! Low Rates.

Free Estimates. Senior Discounts.

Call (918) 734-2181.

OIL AND GAS

Mineral, Oil/Gas Interests Want to purchase minerals and oil/ gas interests. Send details to P.O. Box 13557, Denver, CO, 80201 PERSONAL ASSISTANCE

Bobbi and Bob’s Personal & Business Assistance Run errands, grocery and personal shopping, beauty shop transportation, take to medical and health-related appointments, coordinate healthcare/medical insurance tasks, airport transportation, wait for deliveries/ repair services, organize home/ office, handle secretarial and administrative tasks. Call Bobbi at (918) 852-5302 or Bob Warshaw at (918) 852-5301. Email: bobbi. warshaw@att.net Financial Organizer/Liaison Do you or a loved one need help keeping up with mail, balancing a checkbook, paying bills, making phone calls, organizing or preparing for tax time? I can help! I will work with you or act as a liaison between family members. Call or email me to discuss options. Essential Strategy Consulting, LLC. Gwen Stevens (918)557-5259, esc9315@gmail.com Joy’s Girl Friday – Senior Concierge Help where and when you need it.

Errands, home help, conversation, companionship, pickup and deliveries, write letters, pay bills, pet care, shop for groceries or gifts, or organize your home. If you don’t see it – Just ask! Free consultation – Joy Williams (918) 809-3087.

Ladybug Helping Hand Services Affordable-Dependable Services tailored to your needs.

In home, non-medical services such as senior/adult day care, grocery shopping, errands, pet care, transportation to/from Doctor and other appointments. Other Services: House and Pet Sitting.

Free consultation-References Affordable-Dependable-Experienced Carlene (918) 740-7750.

PERSONAL SAFETY

EARS Emergency Alert Response Systems. Enjoy living at home while we listen for your safety with our quality personal medical alarm and monitoring service. Affordable with

LIFE’s Vintage Newsmagazine | January 2019

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no long-term commitment. Locally owned and operated (918) 298-0500 or toll-free (877) 885-3277.

HALO Medical Alarms HALO provides emergency response throughout Oklahoma with an office inTulsa. Let a HALO medical alarm provide you with the confidence and security to live independently in your own home, where you are most comfortable. Call (918) 392-0566 or (877) 747-HALO (4256). www.halomedicalalarms.com PERSONAL SERVICES

Affordable Hairstyling In-Home or Shop Transportation and home service available for your hairstyling needs.

I will come to you at the hospital, rehab or nursing home. A Mane Event hairstyling is for the entire family. 35 years experience. Senior specials for haircuts, perms and color. In-shop special: Haircut $7 for first time customers in shop ONLY. Perms are $45. Tuesday through Saturday. Near 11th and Yale at 937 South Canton Ave. Call Mary Wilkinson at (918) 834-2686.

Helping Hands for Seniors Diane Argue will help with grocery shopping, taxi service in town, pharmacy pick-up and delivery, light meals and light housekeeping.

Rhema graduate and ordained minister. Reasonable Rates. Please call (918) 282-5305.

In-Home Beauty Services of Tulsa We provide beauty services to our clients who are unable to leave their home, disabled, hospice care or independent living. We offer full beauty service for men and women in Tulsa and surrounding areas.

Our services include: shampoo & sets, haircuts, perms, manicures. pedicures. Licensed and Insured.

Visit our website at www.inhomebeautyservicesoftulsa. com. Call (918) 630-6274.

Quality Care Provided Quality care provided for you or your loved ones. Errands, Companionship, Light Housekeeping and Cooking, Doctors Appointments and Grocery Shopping. Will also sit at hospital or nursing facility. Over 25 years’ experience. Reasonable Rates. Call Fran at (918) 382-9985.

Sherry’s In Home Care Need someone to do errands for you? Grocery store, pharmacy pick-up, companion to talk with. Will do light housekeeping and minimal meal preparation. Will furnish good references. Experienced.

Dependable. Honest.

Call (918) 430-4153.

PET CARE

Home Veterinary Care Experience Tulsa’s most convenient veterinary service in the comfort of your own home. Our goal is to develop a personal relationship with each of our clients and patients.

Contact us today to schedule your house call appointment.

Call (918) 892-9382 or email DrFielstra@gmail.com or visit us at www.homevetcaretulsa.com.

REAL ESTATE

Ready to Downsize Specialized Real Estate Consultant Services Team for senior adults contemplating selling their home, downsizing or retirement living.

Over 25 years experience serving the senior market. Free home evaluation and consultation.

Receive a free copy of “Making the Move” workbook. No obligation.

Cindy Johnson @ (918) 619-5919, Waterstone Realty Inc. SOCIAL/SUPPORT GROUP

Single Seniors (55+) Are you over 55, single, divorced or widowed? We are a fun loving group of single seniors over 55. We meet every Wednesday,11:15 a.m. – 4 p.m. at the Buffet Palace, 10934 East 21st Street. We eat at 11:15 have a short meeting and then play cards. Join us for great fun and fellowship. Questions, call Beverly at (918) 272-1049.

TRANSPORTATION

HealthRide Transportation Services Let us take you where you need to go. Our Wheelchair Accessible Vans can get you to Dr. Appointments, Church Events or anywhere you desire. HealthRide provides wheelchair transportation for Tulsa and surrounding communities. Quality service at a lower cost. Call (918) 404-0038.

Website: www.healthridetulsa.org Email: healthride1@gmail.com.

My Driver Transportation Service Let me do the driving. To and from work, airport, shopping, errands, post office, appointments. Also, LIFT VAN transportation available.

Able to assist getting to and from bed. Senior sitting. Also, small breed dog boarding. 20 years experience. CLEET certified and licensed. References. Member, Better Business Bureau.

(918) 491-9929.

VOLUNTEER OPPORTUNITIES

JUST DO IT! If you've been looking for a way you can make a difference, consider joining the Millennium Continued

www.LIFEseniorservices.org

Hospice team as a volunteer.

Caregiver relief is so important during this difficult time. Volunteers provide that by sitting with patients for an hour or so. Training is provided.

Contact Brittney Young (918) 740-0244.

Vintage Friends

SUBSCRIBE TODAY

Looking for a Fun Volunteer Opportunity?

Sophisticated Seconds is an upscale resale store near 41st & Yale benefiting Hospice of Green Country.

We need more volunteers! Previous retail experience preferred, but training includes customer service, sorting, merchandising, steaming, pricing, and learning our easy-to-use point of sale system! To get involved, cgoldstein@hospiceofgreencountry. org or (539) 664-5177. www.sophisticatedseconds.org

In appreciation of contributions to LIFE Senior Services received in November 2018.

We sincerely apologize for any error or omission. If there is an error, please call Carrie Bowen at (918) 664-9000.

Anonymous Phil and Marlene Buker Doris M. Cheney Paul and Virginia Churchill Gary and Yolanda Crooms Deniese Dillon Herbert and Dorothy Elias Essendant Charitable Foundation The Sharna and Irvin Frank Foundation Joyce Gold Patsy Hair Jim H. Hale Reba M. Harvey Gayle Hawley Kenneth R. Hoit William R. Horkey Mike and Linda Huey Jeff Ivers Ron and Myra Jeffris Suzanne J. Kacmarcik Andrea K. Laceby Angela Larson Patricia A. Lloyd Nancy L. Neal Vanessa Neal Donald and Vivian Palmer J. R. and Morgan Phillips Jodi L. Pruitt Roy F. Reid Maxine Richard George and Elsie Ridgley Bill and Mary Russell Martha L. Scales Debbie Smith Church of St. Mary Charles and Alice Stanford Tom and Marilyn Steward Melanie Stewart Goldman James R. Vanderbeek Carmella Warburton Jerry White Larry Wilcox John and Deborah Willis Richard and Barbara Wollmershauser

FREE SUBSCRIPTION! Name:

Full Address:

Phone Number: Email Address:

Cut out and mail to LIFE Senior Services, 5950 E. 31st St., Tulsa, OK 74135 SUBSCRIBE ONLINE:

www.LIFEseniorservices.org

In Honor of

In Honor of LeRoy Fore Vashi and Betsy Mahtani In Honor of Cindy Loftin and the Medicare Part D Volunteers Donald and Patricia Hardin

In Memory of

In Memory of Charles Bell John and Iva Reynolds In Memory of Calen Thomas Boone In Memory of Dana Sue Doll Teresa Pax In Memory of Margaret Mary Donnelly Elizabeth May Le Leux In Memory of Alfonso Ferrantino Francis Ferrantino In Memory of Theresa Ann Finck Theresa M. Finck and Mary Ann Finck In Memory of Richard Holland Sybil P. Holland In Memory of John E. McCleary Joan McCleary In Memory of Our Parents Gregory and Pam Petzet In Memory of Elizabeth A. Thomason Donna Thomason In Memory of Don Tolleson Norma Hollaway About LIFE Senior Services LIFE Senior Services is a recognized leader in aging services and an acknowledged voice on aging issues and is proud to be a nonprofit United Way organization. If you would like to make a donation in support of LIFE Senior Services, please mail your contribution to: LIFE Senior Services 5950 E. 31st St. • Tulsa, OK 74135-5114 Make your donation securely online: www.LIFEseniorservices.org

January Answers

For puzzles, see page 30.

CLASSIFIEDS TO ADVERTISE, CONTACT: Bernie Dornblaser (918) 664-9000 or bdornblaser@LIFEseniorservices.org

WUZZLE 1. Two by four 2. Getting up in the morning 3. Tennis match 4. No time for you

5. The eyes are bigger than the stomach 6. Just in case

HINK PINKS 1.

2.

3.

4.

5.

3 6 4 1 2 8 9 5 7

www.LIFEseniorservices.org

Fine nine Red bed Neat street Dead fed Cool rule

5 9 8 7 4 6 2 3 1

7 1 2 9 5 3 6 4 8

8 3 7 2 6 4 5 1 9

6. Big rig 7. Beef thief 8. Zoom broom 9. Hot spot 10. Club Sub

2 5 1 3 8 9 7 6 4

6 4 9 5 1 7 8 2 3

1 8 3 6 7 5 4 9 2

4 2 5 8 9 1 3 7 6

9 7 6 4 3 2 1 8 5

BE A LIFESAVER Every dollar invested stays local to fuel LIFE Senior Services’ mission-related initiatives of promoting and preserving independence for seniors.

Today – Tomorrow – Always.

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Donate now by visiting www.LIFEseniorservices.org/donate LIFE’s Vintage Newsmagazine | January 2019

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