Adaptive Clothing Takes the Stress Out of Dressing

What kinds of clothing options are available to individuals who have a difficult time dressing?

The chore of dressing and undressing in traditional clothing can be difficult, time-consuming and even painful for millions of people with certain health and mobility difficulties. Fortunately, there is a wide variety of special clothing, known as "adaptive clothing," that can help with most dressing challenges. Here are some of the many types of adaptive clothing options that could help.

What is Adaptive Clothing?

Adaptive clothing is specially designed garments for people with mobility issues, disabilities and cognitive challenges who have a difficult time getting dressed. Adaptive clothing incorporates discreet design features to make dressing and undressing easier, while still having the outward appearance of typical clothing.

For self-dressing individuals who may have impacted dexterity, there are pants, shirts, dresses and outerwear made with Velcro or magnetic closures. Alternate clothing closures can be easier to fasten and unfasten than buttons and zippers. Be aware that magnetic closures are not suitable for those who have pacemakers.

In addition, there are adaptive pants with zippers or snaps on both sides of the pants that are easier to put on. A wide range of rear closure shirts, tops and dresses with Velcro or snap fasteners in the back are available and are helpful for individuals who cannot raise their arms over their head.

For wheelchair users there are higher back and elastic waistband pants that help prevent the garments from slipping down. Pants with fabric overlaps at the seat to allow for easier toileting access are also available.

For people with tactile sensitivity, you can purchase garments that have soft and stretchy fabrics without tags. Some garments are sewn with flat seams to help prevent chafing or sensitivity. There are one-piece jumpsuits that have back-zipper access to prevent the wearer from disrobing inappropriately, which may be useful if the individual suffers from cognitive challenges.

Where to Shop?

Because each person's dressing needs and style is so specific, finding appropriate adaptive clothing can be difficult. Recently, mainstream clothing stores have started offering a line of adaptive clothing for adults that combines fashion and functionality. However, in-store options are often limited. To get a bigger selection, visit a store's website and type in "adaptive clothing" in their search engine.

You can also find a large selection at online stores that specialize in adaptive clothing. Some companies have been selling adaptive clothing for decades and offer a wide variety of garments to accommodate almost any need, condition or style, for independent self-dressers and for individuals who need help. Some other adaptive clothing sites sell clothing primarily designed for wheelchair users.

Velcro fastening shoes, instead of shoelaces, have long been a popular option and can be found in most local shoe stores. Some other new lines of adaptive shoes make fashionable sneakers and comfortable walking shoes that slip on hands-free. Some brands also make uniquely designed zip-on shoes.

Savvy Living is written by Jim Miller, a regular contributor to the NBC Today Show and author of "The Savvy Living" book. Any links in this article are offered as a service and there is no endorsement of any product. These articles are offered as a helpful and informative service to our friends and may not always reflect this organization's official position on some topics. Jim invites you to send your senior questions to: Savvy Living, P.O. Box 5443, Norman, OK 73070.

Published June 17, 2022

How to Hire an In-Home Helper for Parents

I would like to hire an in-home helper for my 82-year-old parent to assist with household chores. However, they do not require personal/physical caregiving, nor do they require any home medical care. Any tips to help us find someone?

Getting parents help at home to handle some of the day-to-day chores is a smart idea that can make a big difference in keeping them independent for a longer period. Here are some tips to help you find someone reliable.

In-Home Help

For seniors who could use some help at home but do not require a caregiving aide for personal care, there are homemakers/home helpers for hire that can help make life a little easier.

Most in-home helpers can assist with any number of things such as shopping, running errands, transportation, light housekeeping, laundry, meal preparation, arranging services (home maintenance, lawn care, etc.) and other household chores, along with providing companionship and support. If your parent gets to the point of requiring personal/physical care such as bathing or dressing, many home helpers can assist with this too.

Most home helpers are part time workers who work either a few hours a day or a few days per week. You should note that while Medicare does cover home health care services if a doctor orders it, they do not cover in-home homemaker/helper services.

There are two ways in which you can go about hiring homemakers/home helpers. You can either go through a home care agency, or you can hire someone directly on your own.

Home Care Agency

Hiring a home helper through a non-medical home care, or non-medical companion care agency is the easiest, but most expensive option of the two. Costs typically run anywhere from $15 to $25 an hour depending on where you live.

How it works is you pay the company, and they handle everything including assigning appropriately trained and pre-screened staff to care for your parent and finding a fill-in on days a helper cannot come.

However, some of the drawbacks include not having much input into the selection of the aide and helpers may change or alternate, which can cause a disruption.

To find a home care agency in your area, use your preferred online search engine and type in "non-medical home care" followed by the city and state your parent lives in. Or you can use Medicare's home health services search tool at Medicare.gov/care-compare – click on "home health services." Most home health agencies offer some form of non-medical home care services too. You can also check your local yellow pages under "home health services."

Hiring Directly

Hiring a personal assistant/home helper on your own is the other, less expensive option. Costs typically range between $12 and $20 per hour. Hiring directly also gives you more control over who you hire so you can choose someone who you feel is right for your parent.

Be aware that if you hire someone on your own, you become the employer so there is no agency support to fall back on if a problem occurs or if the assistant does not show up. You are also responsible for paying payroll taxes and any worker-related injuries that may happen. If you choose this option, make sure you check the person's references thoroughly and do a criminal background check.

Savvy Living is written by Jim Miller, a regular contributor to the NBC Today Show and author of "The Savvy Living" book. Any links in this article are offered as a service and there is no endorsement of any product. These articles are offered as a helpful and informative service to our friends and may not always reflect this organization's official position on some topics. Jim invites you to send your senior questions to: Savvy Living, P.O. Box 5443, Norman, OK 73070.

How to Get COVID Funeral Assistance Funds

I lost my 78-year-old parent to COVID-19 in 2021 and want to find out if I am still eligible for the government funeral assistance program. What can you tell me about this?

The government program you are referring to is the COVID-19 Funeral Assistance Program administered by the Federal Emergency Management Agency (FEMA). This program is part of the American Rescue Plan, a stimulus package passed in 2021 in an effort to help the country financially manage amid the pandemic.

This program, which currently has no termination date, offers up to $9,000 to cover the cost of a funeral for someone who passed away due to COVID-19 as far back as January 2020.

Unfortunately, less than half the people believed to be eligible for funeral assistance have actually applied for it. Here is what you should know about the program's requirements and how to apply.

Where to Start?

To apply for COVID-19 funeral assistance, you must call FEMA at 844-684-6333, Monday through Friday, from 9 a.m. to 9 p.m. Eastern Time. The application process takes about 20 minutes.

After you apply, FEMA will provide you an application number, which you may use to create an online account at DisasterAssistance.gov.

You will then need to submit supporting documents, including a death certificate for your parent, but it must state that the death "may have been caused by" or "was likely the result of" COVID-19 or COVID-19-like symptoms. The death must also have occurred in the U.S. on or after Jan. 20, 2020.

If you do not have this, you will not be eligible for funeral assistance.

You will also need to submit proof of funeral expenses, such as itemized receipts, invoices or funeral home contracts.

These supporting documents can be submitted either online (through your DisasterAssistance.gov account), by mail (P.O. Box 10001, Hyattsville, MD 20782) or via fax (855-261-3452).

After the paperwork is received, it takes FEMA approximately 45 days to make an eligibility decision.

Families who had multiple deaths due to COVID-19 can also apply. One family can receive up to $35,000 across multiple funerals.

Reimbursements can be used to cover any portion of funeral expenses including burial plots, caskets, preparation of the body, cremation, urns, clergy, services and headstones as well as costs related to state or local ordinances and producing death certificates.

Please be aware that pre-paid funerals are not eligible for reimbursements. Any payment made specifically for a funeral prior to death is considered a duplication and is not eligible.

If FEMA approves your application, the funds will either be deposited into your bank account or sent by mail via check, usually within a few days of approval.

If, however, you receive a letter from FEMA saying you are ineligible, or if the amount awarded is not enough, you have the right to appeal within 60 days of FEMA's decision letter.

For more information on the COVID Funeral Assistance program, visit FEMA.gov/disaster/coronavirus/economic/funeral-assistance.

Savvy Living is written by Jim Miller, a regular contributor to the NBC Today Show and author of "The Savvy Living" book. Any links in this article are offered as a service and there is no endorsement of any product. These articles are offered as a helpful and informative service to our friends and may not always reflect this organization's official position on some topics. Jim invites you to send your senior questions to: Savvy Living, P.O. Box 5443, Norman, OK 73070.

Published June 24, 2022

How to Choose a Medicare Supplemental Policy

I plan to enroll in original Medicare in a few months and have been told I probably need to get a Medicare supplemental policy too. Can you offer any tips on selecting one?

If you are enrolling in original Medicare, getting a supplemental policy ("Medigap insurance") is a smart decision because it will help pay for things that are not covered by Medicare. Medigap insurance policies may cover copayments, coinsurance and the Part A deductible. Here are some tips to help you choose an appropriate plan.

Medigap Plans

In all but three states (Massachusetts, Minnesota, and Wisconsin), Medigap plans, which are sold by private health insurers, are available to new enrollees in eight different standardized plans. These plans are labeled with the letters A, B, D, G, K, L, M and N, with two more, C and F, which are only available to those eligible for Medicare before 2020.

Plan G is the most popular policy among new enrollees because it is the most comprehensive range of coverage. Monthly premiums for Plan G typically range between $100 and $300, depending on your age and the state you reside in. If that is more than you are willing to pay, there are also high-deductible plans that have lower premiums but impose higher out-of-pocket costs.

For more information on the different types of plans and coverage details, including Medigap options in Massachusetts, Minnesota, and Wisconsin, go to Medicare.gov/publications and type in "choosing a medigap policy" in the keyword box, and download their 2022 guide. You can also call 1-800-MEDICARE and ask them to mail you a copy.

How to Choose

To pick a Medigap policy that works best for you, consider your health, family medical history and your budget. The differences among plans can be small and rather confusing.

To help you choose, visit Medicare.gov/medigap-supplemental-insurance-plans and type in your ZIP code. This will give you a list of the plans available in your area, including the price range, name and contact information of companies that sell them. To get specific pricing information, you will need to contact the carriers directly or call your State Health Insurance Assistance Program.

It is required by law that Medigap policies with the same letter must cover the exact same benefits, you should shop for the cheapest policy.

You will get the best price if you sign up within six months after enrolling in Medicare Part B. During this open-enrollment period, an insurer cannot refuse to sell you a policy or charge you more because of your health.

Medigap policies are usually sold as either: "community-rated" where everyone in an area is charged the same premium regardless of age; "issue-age-rated" that is based on your age when you buy the policy, but will only increase due to inflation, not age and "attained-age-rated," that starts with low premium but increase as you age. Community-rate and issue-age-rated policies are the best options because they will save you money in the end. You can buy the plan directly from an insurance company or you can work with a reputable insurance broker.

Drug Coverage

You should also be aware that Medigap policies do not cover prescription drugs, so if you do not have drug coverage, you will need to buy a separate Medicare Part D drug plan too. See Medicare.gov/plan-compare to compare plans. Also, note that Medigap plans do not cover vision, dental care, hearing aids or long-term care.

Alternative Option

Instead of getting original Medicare, plus a Medigap policy and a separate Part D drug plan, you may want to consider a Medicare Advantage plan (see medicare.gov/plan-compare) that provides all-in-one coverage. These plans, which are sold by insurance companies, are generally available through HMOs and PPOs that require you to get your care within a network of doctors.

Savvy Living is written by Jim Miller, a regular contributor to the NBC Today Show and author of "The Savvy Living" book. Any links in this article are offered as a service and there is no endorsement of any product. These articles are offered as a helpful and informative service to our friends and may not always reflect this organization's official position on some topics. Jim invites you to send your senior questions to: Savvy Living, P.O. Box 5443, Norman, OK 73070.

Published June 10, 2022

WCCF Offers Non-Profit Board Training

Washington County Community Foundation realizes that board training for small non-profit organizations can be difficult to schedule or plan for on a tight budget. We also recognize that a great Board of Directors is critical to a nonprofit organization’s success. We want you and your organization to be successful. Therefore, we are offering a great opportunity for you and your Board of Directors to receive high quality board training right here in Washington County through the Community Foundation Research and Training Institute.

Members of Boards of Directors are invited to the training event on September 16, 2022, at the Community Learning Center at 1707 N. Shelby Street in Salem. Our guest presenter is David Bennett. David served as the Executive Director of the Community Foundation of Greater Fort Wayne for 22 years. During his tenure, the assets of the Community Foundation grew from $28 million to over $150 million, and he helped position the Foundation as a trusted community leader.

David formed the Community Foundation Research and Training Institute (CFRTI) in 2017. CFRTI provides a variety of training opportunities for community foundations and nonprofit organizations, along with strategic planning facilitation and the preparation of organizational risk assessments.

Aside from overseeing the strategic planning process several times in Fort Wayne, he has served as the facilitator of the strategic planning process at the Parke County Community Foundation and the Johnson County Community Foundation. David also serves as a trainer for the Community Foundation Boot Camp course through the Indiana Philanthropy Alliance, and as an instructor for the Finance Course offered through the Council on Foundations.

David is a life-long Hoosier. He earned his bachelor’s degree in Economics from Williams College, and a Master’s in Public Affairs from Princeton University. He currently resides in Grabill, Indiana. David has been recognized as a Paul Harris Fellow.

This training is not mandatory; however, during our Spring and Fall competitive grant cycles, preference may be given to organizations that have had at least one board member attend the training.

The cost to attend a session is $100.00 per person. However, this fee will be refunded if the Board Member attends the entire session. If a Board Member leaves early or does not show up, the registration fee will be retained by the Washington County Community Foundation.

Registration deadline is September 3, 2022. Register by calling 812-883-7334.

Washington County Community Foundation is a nonprofit public charity established in 1993 to serve donors, award grants, and provide leadership to improve Washington County forever

End

Is Skin Cancer Hereditary?

Is skin cancer hereditary? My 63-year-old sibling passed away from melanoma last year and I am wondering if I am at higher risk.

While long-term sun exposure and sunburns are the biggest risk factors for melanoma – the deadliest form of skin cancer – having a sibling or parent with melanoma does indeed increase your risk, according to the Skin Cancer Foundation.

Each year, around 100,000 Americans are diagnosed with melanoma and about 7,500 people will die from it. While anyone can get melanoma, those most often diagnosed are age 50 and older and of Caucasian descent. High-risk individuals include people with red or blond hair, blue or green eyes, fair skin, freckles, moles, a family history of skin cancer and those who had blistering sunburns in their youth.

Skin Exams

The best way to guard against melanoma and other skin cancers, such as basal and squamous cell carcinomas, is to protect yourself from the sun. Additionally, if you are over the age of 50, it is best to get a yearly, full-body skin exam done by a dermatologist, especially if you are high risk.

Self-examinations done every month or so may help detect early problems. Using mirrors check the front and backside of your entire body, including the tops and undersides of your arms, hands, between your toes, the soles of your feet, your neck, scalp and buttocks.

Be on the lookout for new growths, moles that have changed, or sores that do not heal, and follow the ABCDE rule when examining suspicious moles:

Asymmetry: One half of a mole doesn't match the other.
Border: The border is blurred or ragged.
Color: The mole has uneven colors, often shades of brown, tan or black, with patches of pink, red, white or blue.
Diameter: The lesion is new or at least a quarter inch in diameter.
Evolving: The mole is changing in size, shape or color.

For more self-examination tips and pictures of what to look for, you can use your favorite search engine or use a skin cancer detection app. In the spring and summer, there are also a variety of places that offer free skin cancer screenings performed by volunteer dermatologists across the U.S.

Sun Protection

Although you cannot change your skin or family history, there are some proven strategies that can help protect against melanoma.

For starters, when you go outside, apply broad-spectrum SPF 30 or higher, water-resistant sunscreen on both sunny and cloudy days. Check with your healthcare provider for the best type for your skin. Additionally, seek the shade when rays are most intense – generally between 10 a.m. and 2 p.m.

You can also protect your skin by wearing a wide-brimmed hat, long sleeves and pants when possible. The best clothing options are tightly woven fabrics that help prevent the sun's rays from reaching your skin. You can wash your clothes in a laundry additive to provide invisible shield sun protection. You can buy a variety of lightweight clothing and hats that offer maximum UV protection in their fabric. Use your favorite search engine to look for these types of products.

Treatments

If caught early, melanoma is curable. However, if it is not caught early, the cancer can advance and spread to other parts of the body where it becomes hard to treat and can be fatal. Standard early treatment for melanoma is surgical removal. In advanced cases, however, immunotherapies and targeted therapies have shown positive results, as well as chemotherapy and radiation.

Savvy Living is written by Jim Miller, a regular contributor to the NBC Today Show and author of "The Savvy Living" book. Any links in this article are offered as a service and there is no endorsement of any product. These articles are offered as a helpful and informative service to our friends and may not always reflect this organization's official position on some topics. Jim invites you to send your senior questions to: Savvy Living, P.O. Box 5443, Norman, OK 73070.

Published June 3, 2022

How to Start a Walking Program and Stay Motivated

My doctor recently suggested I start a walking program to help get my weight and blood pressure under control. I do not exercise much, can you recommend helpful tips for staying active?

You should follow your doctor's orders. This column is not medical advice. It is an educational overview of the benefits of walking. Years of research have shown that walking may be one of the best exercises to improve your health as you age. It burns calories, which may help you lose weight, build endurance and enhance muscle tone. Walking is less likely to aggravate your joints as compared to other forms of exercise. It also helps improve or prevent many age-related health problems, including high blood pressure, diabetes, heart disease, arthritis, osteoporosis, dementia and even depression.

Walking is one of the easiest and most convenient exercises and can be completely free. All you need is a good pair of walking shoes that fit well and a little motivation. Here are some things you should know to help get you started and stay motivated.

Getting Started

Start out slow. For many people this means head out the door, walk for five to ten minutes and walk back. Do it every day for a week. When that seems easy, add five minutes to your walks the next week and keep adding five minutes until you are walking as long as you desire. It is also a smart idea to start and finish your walk with a few simple warm up and cool down stretches. Stretching may make you feel better and help prevent injury.

Most fitness professionals recommend walking about 30 minutes, five or more days a week. For optimal health benefits aim for 10,000 steps per day, which is the equivalent of about five miles.

Your walking pace is also important. Strolling around the park or neighborhood at an easy pace is good for you. You may find that a brisker pace, which may look like an elevated heart rate while still being able to carry on a conversation, provides better health, fitness and weight loss benefits.

Staying Motivated

While starting a walking program takes initiative, sticking with it takes commitment. Here are some tips to help you stay motivated.

Find a walking buddy: Having a friend to walk with can provide motivation and support along with companionship.

Wear a fitness tracker or pedometer: Tracker devices can measure how far you have walked in steps and miles. It may provide motivation by spurring you to meet a particular goal and showing you how close you are to meeting it. If you use a smartphone there are free pedometer apps you can download.

Join a walking club: To find a walking club in your community, call your nearby medical center, mall, health club, senior center, running shoe stores or Area Agency on Aging to see if they sponsor or know of any clubs or groups. You can also use your favorite search engine to search for non-competitive walking clubs in your area. If you are not having any luck, you may want to start a walking club.

Keep a journal: Use a journal to keep track of your walking minutes, steps, or mileage and total it up at the end of each week to see your progress. There are free apps that use GPS to map your walk and measure your distance and time, which can be fun and motivating to see your end of week values and compare walking times.

Have a backup plan: Bad weather, allergies or other factors may limit your outdoor walking. It is wise to have a backup plan like walking at your local mall, buying a home treadmill or joining a health club.

Savvy Living is written by Jim Miller, a regular contributor to the NBC Today Show and author of "The Savvy Living" book. Any links in this article are offered as a service and there is no endorsement of any product. These articles are offered as a helpful and informative service to our friends and may not always reflect this organization's official position on some topics. Jim invites you to send your senior questions to: Savvy Living, P.O. Box 5443, Norman, OK 73070.

Published May 27, 2022

Grand Opening for Heritage Park!

Join Washington County Community Foundation, Regional Opportunity Initiative, IU Center for Rural Engagement, IU ServeDesign Center, Adrienne Brooke Salon, the City of Salem and Hoosier Uplands at the grand opening celebration for Heritage Park! This event will be held at the park on June 2, 2022 from 4-5:30 in the evening. Heritage Park is located on South High St. by City Hall in Salem. There will be a short program beginning at 4:30 pm with light refreshments being served. We look forward to celebrating this beautiful park and all of the hard work that went into making it a great success for our community!

The mission of the Washington County Community Foundation is to engage people, build resources and strengthen our community. Visit the website at www.wccf.biz and like the Foundation on Facebook.

Heritage Park Receives Regional and National Acclaim!

Thanks to the Washington County Community Foundation donors, Regional Opportunities Initiative, IU ServeDesign Center and Hoosier Uplands, construction of Heritage Park was recently completed.

This journey, just a little over two years in the making, has had its challenges, most notably dealing with a global pandemic. However, leaders of the project persevered and the park is complete.

The park boasts a large mural featuring six significant women in the history of Washington County. Spanning two centuries, these women’s stories inspire and educate us all in the power of perseverance.

Heritage Park has garnered regional and national attention. Here are a few articles that may interest you:

Heritage Park featured in May 2022 Landscape Architecture Magazine (wccf.biz)

https://eskenazi.indiana.edu/news/2022/2022-05-11-cre-conference.html

https://www.archpaper.com/2022/01/laa-office-downtown-salem-indiana-heritage-park/

https://regionalopportunityinc.org/2022/02/08/salem-heritage-park/

A huge thank you to all our donors and the following organizations for partnering with our community to make Heritage Park a reality: Regional Opportunity Initiatives, Indiana University Center for Rural Engagement, Indiana University ServeDesign Center, Washington County Community Foundation, Hoosier Uplands, City of Salem, Washington County Historical Society, Washington County Chamber of Commerce, Washington County Tourism, Washington County Family YMCA, Adrienne Brooke Salon, Lisa Fleming.

Project Credits:

Design: LAA Office

Design Team: Daniel Luis Martinez, NOMA (co-founder), Lulu Loquidis Martinez, PLA, ASLA,

(co-founder), Jess Novitski, Priscilla Rocha, Stacy Hardy, Shorf Afza, Alyssa Bullock

Muralist (AB Salon Building): Rafael Blanco

Construction: Tovey Perry Co.

Travel Discount Tips for Seniors

What are some of the best travel discounts available to seniors? My spouse and I are about to retire and are interested in traveling more but live on a tight budget.

There are hundreds of different travel-related discounts available to senior travelers that can save you hundreds of dollars on your next trip. To qualify, you will need to meet the age requirement, which varies by business. Some discounts may be available as soon as you turn 50, but most do not kick in until later ages. Here is a rundown of top travel discounts, along with some extra tips to help you save.

Ways to Save

The first thing to know is that most businesses do not advertise senior discounts, but many give them if you ask.

You should also be aware that the "senior discount," if available, may not always be the best deal. For example, hotels, resorts, airlines and cruise lines offer advanced bookings along with special deals and promotions from time to time that may be at a lower rate than the senior discount. Before you book, always ask about the lowest possible rate and the best deal available.

Another way you can save is by being flexible when you travel. Last minute travel deals can offer huge savings, as does traveling during off-season or off-peak times and avoiding holidays.

Club memberships can also garner you a wide variety of travel bargains. They offer dozens of travel discounts on hotels, rental cars, cruises, vacation packages and more. Some membership clubs provide some great travel discounts to members at any age.

Types of Discounts

Here are of some of the best senior travel discounts available in 2022:

Airline: You should check for club membership discounts, as well as senior discounts. Typically, passenger must be age 65 to take advantage of the benefits. Not all airlines offer senior discounts, but some may offer veterans discounts.

Train: Travelers ages 65 and older may ask for a senior discount on domestic travel, up to a 10% discount. For cross-border services passengers typically must be age 60 to obtain the senior discount.

Rental Car: Certain club members may receive up to 30% off for senior discounts. Some rental car companies offer senior discounts as early as age 50.

Hotels: Certain hotel chains offer discounted rates for seniors usually ranging between 10% and 15% off but may vary by location. There may be additional discounts for club memberships as well.

Restaurants: Many restaurant chains offer senior discounts such as free drinks, discounted senior menus and discounts off your total order. Senior discounts may only be available on certain days of the week or at certain locations.

Cruises: Cruise lines may offer discount rates to cruisers age 55 and older on select cruises. It is best to call before booking to inquire.

Entertainment and Attractions: Most museums, zoos, aquariums, movie theaters, public golf courses and even ski slopes provide reduced admission to seniors over age 60 or 65. And for those 62 or older, one of the best deals available is the America the Beautiful Senior Pass ($20 for an annual senior pass, or $80 for a lifetime pass) which provides admittance to more than 2,000 national parks and recreation sites.

Savvy Living is written by Jim Miller, a regular contributor to the NBC Today Show and author of "The Savvy Living" book. Any links in this article are offered as a service and there is no endorsement of any product. These articles are offered as a helpful and informative service to our friends and may not always reflect this organization's official position on some topics. Jim invites you to send your senior questions to: Savvy Living, P.O. Box 5443, Norman, OK 73070.

Published May 20, 2022