Tampa Bay Florida, Fall 2025

As Florida continues to attract retirees with its warm weather and vibrant communities, many seniors find themselves grappling with the financial burdens that come with homeownership, particularly property taxes. The good news is that there are movements to eliminate property taxes, particularly for seniors, which could significantly ease the financial strain on homeowners. With discussions around reform and proposals to abolish these taxes entirely, it’s essential to understand why this change could be particularly beneficial for Florida’s senior population.

The Burden of Property Taxes

For many seniors, fixed incomes pose a challenge, especially when it comes to covering essential expenses. Property taxes can consume a significant portion of a homeowner’s income, especially in areas where they see rising property values. Despite the existence of the Homestead Exemption, which offers some relief by reducing the taxable value of primary residences, the reality is that many seniors still struggle with these payments. Each year, the tax burden can increase, making it more difficult for long-term residents to afford their homes.

Eliminating Property Taxes: A Game Changer

The prospect of eliminating property taxes in Florida could change the lives of countless seniors. By removing this financial obligation, homeowners would have more disposable income to allocate to healthcare, travel, hobbies, and other vital aspects of retirement.
In addition to easing financial stress, abolishing property taxes could also help stabilize the housing market in Florida. Homeownership would become more accessible, allowing seniors to remain in their homes without the fear of ever-increasing taxes. This stability could prevent the displacement of long-term residents, preserving community bonds and ensuring that neighborhoods remain vibrant and interconnected.

Supporting Legislation and Initiatives

Several organizations and community leaders are advocating for the elimination of property taxes in Florida, particularly for seniors. Legislative proposals are emerging that outline potential frameworks for funding local services without relying on property taxes. For instance, reallocating funds from other sources or implementing alternative taxes could create a sustainable solution.

By uniting as a community, seniors can support these initiatives through petitions, attendance at town hall meetings, and direct outreach to elected representatives. Engaging with local leaders and advocating for senior interests can amplify voices and drive change. Additionally, forming coalitions with other demographic groups may help in garnering widespread support for these crucial reforms.

No More Rent for Homeowners

Alongside the elimination of property taxes, there’s also an emerging conversation around providing financial relief to seniors who own their homes by preventing them from ever being forced into renting. Many retirees face the prospect of downsizing or relocating due to financial pressures, which can lead to higher costs or even homelessness. Keeping our seniors in their homes not only preserves their quality of life but also adds stability to the housing market.

Through collaborative efforts between municipalities, state governments, and community organizations, creative solutions can be developed that ensure the homeowners are safeguarded against financial pitfalls associated with property taxes.

1. Abolition of property in land and application of all rents of land to public purposes. Doesn’t that sound exactly the direction we have been going? This is why there will be huge propaganda from politicians, cities, counties and local municipalities not to get rid of property taxes. Ever wonder why all these political groups are advocating against it and where is all that money going?

Conclusion: A Path to Financial Security

Florida’s seniors deserve a comfortable and secure retirement, free from the looming burden of property taxes. The elimination of these taxes would pave the way for a more secure financial future and allow seniors to enjoy the fruits of their hard work without the worry of losing their homes.

As discussions continue and proposals gain momentum, it’s a critical time for seniors in Florida to get involved. By advocating for changes that prioritize their needs, seniors can work towards finalizing a future where homeownership is not just a dream but an attainable reality without the stress of rental payments or property tax obligations. Yes, no more property taxes for homestead exemptions, and don’t believe all of the hoopla they are putting out there that it will defund everything! Hello Seniors, it’s time to stand up and vote to get rid of property taxes in Florida! For more information, visit rohn.us.com

My father has passed away! My mother is in the fifth stage of Parkinson’s. She’s unable to speak, move, or do anything other than express distress. She’s imprisoned within her own body, a situation some of you might grasp. I was informed by the assisted living center, where my parents had resided for a number of years, about my father’s passing. The sole purpose for contacting me was the outstanding bills. Their priority was financial, showing no concern for my father’s death, focusing solely on receiving their payment. This initial issue of unpaid bills is highly relevant to the forthcoming praise. I encourage you to continue reading, despite its length, as it might relate to your current experiences or offer insights into the future of your parents’ and your own lives.

With the bills remaining unpaid, my father’s last will transferred everything to my mother. Nevertheless, she’s unable to communicate her wishes or designate someone to manage her affairs. There’s no appointed guardian, medical surrogate, or financial representative. I needed to start researching the applicable laws. Luckily, I had a prior connection with my mother’s lawyer, enabling me to seek his advice. However, he was no longer in active practice, limiting his ability to assist with the full scope of legal requirements that surfaced as I began exploring the necessary steps to care for my mother. For clarification, I am the son, the oldest among my siblings.

The lawyer directed me to an organization known as OurSeniors. This referral proved to be a stroke of luck, as I was unaware of the extent of their future support for my mother and me. I will strive to concisely convey the magnitude of OurSeniors’ assistance, both past and present, as they have been an incredible blessing. The initial action taken by the OurSeniors Team was connecting me with the law firm of Chiumento, Dwyer, Hertel and Grant. After explaining the situation, they assigned a guardianship lawyer to handle the preparation of required documents, secure an emergency guardianship for my mother, and later facilitate the acquisition of permanent guardianship.

Next, I tried to find out about my mom’s condition, her medical care, overall health, and general well-being. I was completely lost about where to begin or who to speak with since the facility she was staying in was solely interested in financial gain. This should serve as an early indication of a problem with your relatives’ health, your partner, a sibling, or possibly even your husband or wife. The reason I mention this is because it is crucial to fully comprehend the experiences of your relatives or those you care for. In my particular circumstance, I came to the realization that things were progressing quite negatively. My mom had a strong desire to reside in this specific assisted living facility due to the fact that both my grandfather and grandmother were also residents there. At one time, this place was a perfect assisted living community, but that is no longer accurate. It was purchased by a new owner, and the designation of “Not for Profit” is no longer applicable. I was accompanied by the OurSeniors Team, and I was extremely grateful for their presence. The situation I witnessed stirred up a lot of emotion in me. If they had not been there to support me, I’m not sure how I would have handled it.

Following my discovery of the lack of adequate care she was receiving and what she was going through, I needed to move her somewhere else, but I was unsure of the destination. Given that I live 1500 miles away, I was completely unfamiliar with the local options. The OurSeniors Team, however, possessed the necessary knowledge and began the process of researching and locating a facility capable of meeting her specific requirements. Bear in mind that she has no ability to walk, speak, or even move a finger. She needs assistance with feeding, bathing, dressing, and all other tasks, which require the help of at least two people at any given time.

The OurSeniors Team was successful in identifying a number of potential locations. We assessed them, and they evaluated my mom. It requires a specialized setting to provide care for someone with stage 5 Parkinson’s disease. My intention was to find a place that would genuinely care for her, as opposed to simply medicating her. I wanted a place where she would receive nutritious meals, regular baths, opportunities to spend time outdoors, companionship, and attentive supervision. OurSeniors Team was able to locate the ideal match and they can be reached at 386 516-3969 Ext. 5.

This privately owned facility, with its semi-private setup (accommodating only two residents, ensuring that my mom would receive nearly undivided attention), had trained caregivers and medical professionals knowledgeable about her condition. The OurSeniors Team examined the facility, then they brought me to see it and I also examined it. Following that, the facility assessed and screened Mom. She was accepted there.

Mom is now in an ideal setting! I am indebted to OurSeniors, and particularly to Julian Cantillo. Julian’s actions warrant recognition of the highest order. But at the very least, if that is not possible, I can inform anyone in search of assistance for their mother, father, and/or other senior loved ones that Julian from the OurSeniors Team is the person to contact.

As we navigate through life, we often come across causes that ignite our passion and inspire us to make a difference. One such cause is supporting our senior citizens, who have contributed to society in countless ways throughout their lives. At OurSeniors.org, we are dedicated to enhancing the lives of seniors by providing essential resources and support. With your help, we can continue to have a significant impact on their lives. Here are compelling reasons why you should consider supporting and donating to OurSeniors.org.

A Growing Need

As our population ages, the number of seniors continues to rise. It is projected that by 2030, one in five Americans will be 65 years or older. This demographic shift brings with it complex challenges, including areas of health care, social engagement, and financial security. OurSeniors.org understands these challenges and aims to address them head-on. By contributing to our mission, you’re investing in a workforce dedicated to improving the quality of life for seniors in your community and beyond.

Comprehensive Resources

OurSeniors.org provides a wide range of resources designed to meet the diverse needs of seniors. From educational materials about health and wellness to assistance with navigating social services, our organization acts as a one-stop-shop for seniors and their families. When you donate, you help us maintain and expand these resources, empowering seniors to live their lives to the fullest. Our mission is to reduce isolation, offer companionship, and ensure that seniors are well-equipped to face the challenges that may arise as they age.

Community Engagement

One of the unique aspects of OurSeniors.org is our commitment to building a sense of community among seniors. Isolation is a significant concern for older adults; many struggle with loneliness and disconnection from their families and communities. By supporting OurSeniors.org, you help fund programs and activities that promote social interaction, encourage friendships, and foster a sense of belonging. Whether it’s through workshops, social gatherings, or volunteer opportunities, your donation helps strengthen the social fabric that is vital for the emotional and mental well-being of seniors.

Advocacy and Awareness

Donating to OurSeniors.org also helps amplify the voices of seniors who often go unheard. We are strong advocates for policies that support the rights and well-being of older adults. Your contribution enables us to participate in grassroots campaigns, engage in educational outreach, and inform the public about the issues seniors face today. By raising awareness and fostering dialogue, we work to create an environment where seniors can thrive.

Transparency and Accountability

When you decide to donate, it’s important to ensure that your contributions are put to good use. At OurSeniors.org, we take transparency seriously. We are committed to maintaining open lines of communication with our donors and the community. Regular updates on our activities, financial transparency, and detailed reports on how donations are utilized are all part of our promise to you. When you support us, you can rest assured that your contributions will have a direct impact on the lives of seniors. You can also get updated information on this charity from the State of Florida on this website: https://csapp.fdacs.gov/CSPublicApp/CheckACharity/CheckACharity.aspx You may also donate by phone by calling 386 516-3969 Ext 1.

Every Donation Counts

Whether you choose to donate a one-time gift, set up a recurring donation, or volunteer your time, every contribution helps. Your support is instrumental in furthering our mission and enhancing the lives of seniors. Together, we can create a future where seniors are valued, supported, and celebrated for their lifetime of contributions.

Join Us in Making a Difference

The phrase “giving while living” was popularized and exemplified by Chuck Feeney through his foundation, The Atlantic Philanthropies, although the concept has deep roots in religious texts like the Islamic Hadith, which states, “It is better for a man to give a dirham as sadaqah (charity) during his lifetime, than to give a hundred at the time of his death”. Feeney’s approach was to donate his fortune to causes he believed in while alive, rather than waiting to leave a legacy in his will. All he had left was a rented two-bedroom apartment, a $15 watch, and a lifetime full of good deeds. He showed all of us what it means to live a truly meaningful life. Perhaps we should learn something from this great example.

Yes, Charles Dickens was a Christian who deeply believed in God and the moral teachings of Christ, though his specific beliefs and practices may not align with traditional Christian orthodoxy. His faith is evident in The Life of Our Lord, a book written for his children to teach them about Jesus, and in his novels, which often showcase characters embodying Christ-like humility, charity, and forgiveness. He believed in the importance of doing good and in the Golden Rule, reflecting his deep sense of responsibility to guide readers toward moral goodness through his work.

The decision to support OurSeniors.org is more than just a donation; it’s an investment in the lives, dignity, and well-being of our aging population. With your help, we can continue to provide crucial resources, advocate for seniors’ rights, and build a strong sense of community. Join us in making a meaningful difference in the lives of those who have given so much. Together, we can ensure that every senior can live with grace, support, and joy. Donate today and be a part of this vital mission, by just visiting https://www.ourseniors.org/donate/

We’re referring to the extra coverage obtained through companies like Humana, United Health, or Blue Cross. If you have never reviewed it, it is a great time to begin. You’ll soon be getting lots of Medicare Open Enrollment reminders in the mail and on TV. Open Enrollment happens annually, running from October 15 through December 7. It’s smart to consider all available options before the enrollment period begins.

But why should you think about changing your current policies?

The biggest reason is often because you yourself have changed. Actually, this is almost guaranteed to happen! You likely enrolled in Medicare when you were younger, around age 65. Ideally, you were healthy, needed only basic medical care beyond regular check-ups, and had healthy habits. However, that could have been many years in the past, and your situation may be different now.

By the time you reach 75 or 80 years old, you might require different medical specialists, new prescriptions, medical equipment, or services such as physical therapy. What worked well for a healthy 65-year-old might not be adequate anymore. The creators of Medicare were aware of this possibility and planned accordingly, knowing that some seniors would want to make adjustments each year. Open Enrollment gives an easy chance to make changes.

Please remember- You can make adjustments outside the Open Enrollment timeframe, but only if you are eligible for a SEP (Special Enrollment Period).

To qualify, you’ll need to meet certain criteria, such as moving from your current plan’s area, losing your current coverage, or experiencing a change in Medicaid status. This requirement allows insurance providers to plan for a consistent number of enrollees in the upcoming year.

What steps should you take before Open Enrollment starts?

Spend some time assessing your healthcare needs and evaluating how well your insurance plan is meeting them. How well does the current plan work for you? A structured method simplifies the process of finding the best choice for you.

Start with a list of all your healthcare providers. This includes doctors, labs, hospitals, pharmacies, and services like physical therapy. Does your current plan cover all these services, providers and medications? If it does not, you may want to consider a different plan.

Next, determine how much you actually paid yourself for those services during the past year. “Out-of-pocket” costs include deductibles, co-pays, out-of-network fees, etc. Many seniors are shocked by the expense of these uncovered costs in a plan they had considered to be a great deal. The existing plan might look affordable initially, but it might become an expensive mistake once all the additional costs are factored in.

Vision, hearing, and dental care represent a significant category of uncovered healthcare needs. Individuals who initially enrolled in Original Medicare alongside a Part D Prescription Drug plan most likely lack coverage for vision or dental services. Conversely, “Advantage plans” often include some form of vision and dental coverage. This additional coverage could potentially encourage you to switch over to an Advantage plan. When compared to Original Medicare, these plans frequently offer opportunities for reducing your out-of-pocket expenses.

It’s important to be aware of the allowable changes you can implement during the Open Enrollment period. You have the option to transition from Original Medicare to an Advantage plan, switch between different Advantage plans, or revert from an Advantage Plan back to Original Medicare coupled with a Part D drug plan. Should you make this decision, obtaining a Medigap Supplemental plan will likely be necessary. Furthermore, you have the flexibility to change between Part D plans.

It’s an appropriate moment to contemplate this matter. Commencing in early October, senior citizens will be exposed to a deluge of advertisements via television and postal mail, all urging them to select a specific plan. At best, these advertisements generate confusion. At worst, they have the potential to be deceptive. They might employ appealing phrases like “absolutely no additional premiums,” while omitting any mention of limitations on coverage or provider options. Senior citizens should maintain a critical perspective and thoroughly research the specifics of each plan under consideration. You are welcome to contact Brandi Hardy from Florida Legacy Advisors at 386-299-7317 at any time.

Medicare’s Five Star Quality Rating System for Medicare Advantage plans serves as a reliable source of information. Medicare releases an annual directory of Advantage plans, assessing their effectiveness in fulfilling the needs of their subscribers. These evaluations are typically made public in early October, before the commencement of Open Enrollment. OurSeniors.net will provide ongoing updates regarding these ratings and demonstrate how to effectively utilize them.

We encourage you to regularly visit OurSeniors.Net to obtain the kind of information that enables you to make well-informed decisions. As your preferred senior living magazine and online senior living magazine, we pledge to keep you updated on subjects such as news related to senior housing, lifestyle in Florida, matters concerning Social Security, and choices within Medicare.

The family is a fundamental social institution that has functioned as the primary unit of society from the beginning with Adam and Eve. It provides basic emotional, social, sentimental and physical support to the individual, it improves economic stability, and it is overall the means for reproduction and survival of the human race.

Families have always played a crucial role in transmitting cultural values, ensuring societal continuity, and addressing individual and social needs. The Institution of Family is the primary unit of society, well in advance of church, school and government. The family is the first and most influential agent of socialization, shaping an individual’s values, beliefs, and behaviors from early childhood. Families do indeed teach children cultural norms, values, language, and social expectations, which are passed down from one generation to the next. Families provide a firm foundation on which their members stand, offering emotional security, love, compassion, care, and practical support. The family, as already stated, is the fundamental unit for procreation, ensuring the continuation of the human population and the transfer of cultural knowledge and wisdom. Families often provide financial support, distribute resources, and participate in household labor, fulfilling essential economic roles within society.

Yet, these noble and essential traits were the very reason why a war has been waged against the family in the past century. While the phenomenon of generational gap existed in previous societies for millennia, the vastness of the gap had never reached such an alarming point. The premeditated and contrived widening of the generational gap has delivered a death blow to family harmony. The root cause of this deep divide is much more spiritual than social, cultural or else.

It is the responsibility and even the obligation of each human being to learn about his Maker, to know His attributes, to investigate the truth about His nature, to understand His will, and then to trust and obey. The One and only true God revealed Himself in the Holy Scriptures. That is the sole reliable source of truth about Him.

Hebrews 1:1-4
God, who at various times and in various ways spoke in time past to the fathers by the prophets, 2 has in these last days spoken to us by His Son, whom He has appointed heir of all things, through whom also He made the worlds; 3 who being the brightness of His glory and the express image of His person, and upholding all things by the word of His power, when He had by Himself purged our sins, sat down at the right hand of the Majesty on high, 4 having become so much better than the angels, as He has by inheritance obtained a more excellent name than they.

If knowing God were left for each individual’s imagination without a unique universal source of truth, without a direct revelation from God Himself for all of humankind, that would result in the existence of eight billion gods. That’s why it is so crucial to read, listen and study the Bible, the Written Word of God which has the exclusive ability to introduce and lead to the knowledge of the Living Word of God, the Lord Jesus Christ.

We are witnessing the accomplishment of two prophecies of the New Testament concerning the last days. The first was uttered by the Lord Jesus Christ, and the second came from the pen of the apostle Paul.

Matthew 24:12
And because lawlessness will abound, the love of many will grow cold.

2 Timothy 3:1-5
But know this, that in the last days, perilous times will come: 2 For men will be lovers of themselves, lovers of money, boasters, proud, blasphemers, disobedient to parents, unthankful, unholy, unloving, 3 unforgiving, slanderers, without self-control, brutal, despisers of good, 4 traitors, headstrong, haughty, lovers of pleasure rather than lovers of God, 5 having a form of godliness but denying its power. And from such people turn away!

The family must remain the heart and soul of human society, if we are to survive. Family, as God intended, ought to be the place of love, intimacy, and joy. It is the unique place where great memories don’t die; the place where the fear of God is first introduced to the soul, and where morality takes shape. It ought to be the most secure place of all, where confidence is built, where both tears and laughter are embraced with hugs, and where sadness and happiness are shared openly and sincerely.

Why has the institution of the family faced so many seemingly insurmountable and unsolvable problems for the past sixty years? Why has our post-modern society, along with so many family experts, sociologists, psychologists, and counselors have been incapable of slowing down the process of the disintegration of human relationships?

– They have all been looking at the wrong place!

Let this quote from a related article on the Master’s Edu website, https://www.masters.edu/thinking_blog/the-destruction-of-the-family/ have the last word:

Most people look forward to retirement to enjoy much needed rest, however, please do not become a couch potato. Excessive resting will lead to the body wanting more rest, decreasing energy levels, causing weakness and muscle loss just to name a few of its negative consequences.

Sitting in front of the television or electronic devices for hours is detrimental to your health; certainly, retirement is a time for rest and relaxation, hobbies, vacations, family time and the opportunity to experience endless activities, but the key to a healthy retirement is to stay active both physically and mentally.

A simple lifestyle change that will significantly improve and maintain health is walking. As we age walking offers numerous health benefits including:

Improved Cardiovascular Health: Regular walking helps lower blood pressure, improve circulation, and reduce the risk of heart disease and stroke.
Enhanced Mobility and Balance: Walking strengthens muscles and joints, improving balance and coordination, which helps prevent falls.
Weight Management: Walking burns calories and helps maintain a healthy weight, reducing the risk of obesity-related conditions.
Stronger Bones and Joints: Weight-bearing exercise like walking promotes bone density, helping to prevent osteoporosis and arthritis.
Better Mental Health: Walking can reduce symptoms of anxiety and depression, improve mood, and boost overall mental well-being.
Improved Cognitive Function: Regular aerobic activity like walking is linked to a lower risk of cognitive decline and improved memory.
Increased Energy Levels: Walking improves circulation and oxygen flow, helping combat fatigue and increase stamina.
Social Engagement: Walking with friends or in groups encourages social interaction, which benefits emotional health.
Better Sleep Quality: Daily walking can help regulate sleep patterns and improve sleep quality.
Improved Digestion and Immune Function: Gentle movement supports digestion and strengthens the immune system.

Overall, daily walking is a simple, low-impact exercise that promotes healthy aging and increases longevity. Aim for at least 30 minutes a day, most days of the week. You can also download Mobile Apps that can keep track of how many steps and calories you are achieving every day. I know some of the content was a little tough for the men, but yes, its time to Live a Healthier Life!

Here are some best practices to help protect your Debit and Credit Cards from Fraud and Theft.

Monitor your accounts

Make sure that you are regularly checking your statements and online banking activity for suspicious or unauthorized transactions.
Review bank and credit card statements regularly and look for any unauthorized charges or suspicious activity.
Report your unauthorized transactions as soon as you notice them to your bank or credit card company.
Set up alerts to be notified of activity each time you use your card.
Add the telephone numbers to your banks and credit card fraud departments to your contact list. This can be a valuable tool when a credit card company or your bank calls to verify suspicious transactions.
Lock your card when not in use. Many Credit Card companies and Banks have this option through their online portal.

Safeguard your physical cards

Always keep your cards in a secure location and avoid leaving them unattended.
Memorize your PIN number and NEVER share it with anyone nor write it down.
Protect your wallet and cards with RFID (Radio-Frequency Identification) blocking cards or card sleeves.
Only keep those debit or credit cards in your wallet or purse, that you plan to use that day. Make sure your other cards are stored in a safe place with your other valuables when not in use.

Practice safety habits when using online sources

Be sure that you only shop on secure websites. URL’s beginning with https:// and a padlock icon confirms a secure connection.
There are many ads on Facebook, Instagram etc., that are not valid links. If you feel that you have clicked on a link that is not secure, close the app, shut down and restart your phone.
Avoid clicking on suspicious links in emails, messages, or social media posts.
Do not save card details on websites or online retailers, even if offered, unless you are using secure payment portals like PayPal or Google Pay.

Other important tips

Keep your devices updated with the latest antivirus software and security patches.
Consider using a digital wallet like Apple Pay, Google Pay, or Samsung Pay. These offer enhanced security methods to encrypt your card information during transactions.
Report any suspected fraud immediately to your bank or credit card company. Be sure to follow their instructions.
Listen to your gut. Take an additional moment to ask yourself is this purchase safe and secure.

Sunrise Bank is your local Community Bank, here to help you sort through your financial needs. Our years of banking experience, working with many businesses throughout the community can bring you a wealth of knowledge and assistance. Sunrise Bank is located at 299 W Granada Blvd, Suite C, Ormond Beach FL 32174. Contact us at 386-676-2222. Stay Safe, Informed and Alert Always!

Unfortunately, we may someday be faced with a situation in which a loved one no longer has capacity, and we need to step in to protect our loved one from himself or herself or from someone else taking advantage of your loved one. Hopefully, your loved one has engaged in estate planning including a Durable Power of Attorney, Health Care Surrogate, and Preneed Guardian. However, many individuals keep putting off preparing those documents until it is too late. In that situation, a Guardianship of the Person and/or Property becomes necessary. In some instances, the situation may be urgent, and an Emergency Temporary Guardianship may be the only way to protect your loved one.

1) Understand the Process

Emergency Temporary Guardianship is intended for a situation in which one can’t wait for permanent guardianship. Emergency Temporary Guardianship allows the guardian to handle the individual’s personal, financial, and/or medical issues while the permanent guardianship is being processed. Your duties are specifically determined by the Court’s Letters of Emergency Temporary Guardianship and focus on what exactly the alleged incapacitated person needs during that temporary period. At the same time an Emergency Temporary Guardianship is sought, a permanent Guardianship is also sought.

In order to qualify for an Emergency Guardianship, the proposed Emergency Guardian must show that the alleged incapacitated person’s property and/or person are at immediate and serious risk. The Court must find that there is imminent danger of physical or mental harm, or that the person’s property is at risk of being wasted, lost, or misappropriated. The Court appoints an attorney to represent the alleged incapacitated person to ensure the due process rights of the alleged incapacitated person are protected.

2) Know Your Rights and Responsibilities

If you are willing and able to serve as a Temporary Emergency Guardian, you must be able to handle the responsibilities included in the Order of Emergency Temporary Guardianship. You are required to file with the Court an initial plan outlining how you plan on caring for the alleged incapacitated person. In addition, you would be required to file an initial inventory of assets and a final accounting once the Temporary Emergency Guardianship ends, and the permanent Guardianship begins.

The Temporary Emergency Guardianship is in place for up to 90 days. Either before or during the period of the Emergency Temporary Guardianship, the Court appoints an Examining Committee made up of three individuals from a list of approved professionals in that particular judicial circuit. At least one of the members of the Examining Committee must be a medical doctor with the other members being individuals with a great deal of experience dealing with incapacitated persons such as registered nurses, nurse practitioners, psychologists, and professional guardians.

3) Learn How to Protect Elderly Relatives

Emergency Temporary Guardianship can be instrumental in allowing the Guardians to make major care decisions, including:
living arrangements
medical care
financial considerations (including bill payment)
record-keeping
end-of-life decisions

In addition, if someone else files for guardianship of your loved one, you have the right to object to that person. The Court will always choose a guardian based on the person who is best able to fulfill the requirements of a guardianship.

4) Get Advice and Assistance from Experienced Attorneys

Having to deal with possible guardianship issues can be stressful and seem overpowering. The good news is that when you partner with skilled and qualified legal professionals, you benefit from expert advice that will help you make sense of even the most complicated situation.

Mara Law, P.A. offers over 15 years of experience in guardianship. Contact us at 386-672-8081 to schedule your consultation today at one of our offices in DeLand, Daytona Beach, Ormond Beach, or Palm Coast.

The information in this article is not intended to be legal advice. You should consult an attorney for advice regarding your individual situation.

Don White, a native of Daytona Beach, graduated from Mainland High School in 1969, then went to Notre Dame on a four-year Army ROTC scholarship where he saw snow for the first time his freshman year and made a big deal out of it…much to the amusement of classmates. Funny that some years later, snow skiing would become a life-long passion and that his travels with the Army allowed opportunities to ski all over the world, including Korea and eight years in Europe.

Wife, Linda, grew up in snowy Minnesota and when she saw opportunity, decided she wanted no part of the snow and cold. To this day, Don jokes that this was one of the reasons “…she latched onto me” and she quickly became a Florida resident as soon as they were…legal.

Linda had her own fulfilling military career, separating after her first enlistment, but then going back to school on the GI Bill and graduating from the University of Louisville and becoming an Operations Research Analyst as an Army civilian. This led to her serving on the staff of General Colin Powell in Europe where she did computer wargaming simulations and earned a master’s degree from the University of Southern California in Information Systems Management.

“It may sound corny to some, but ours is a love that will truly never die” says Don. Pretty crazy considering that one of my first impressions of my beloved was “This chick (inappropriate word today, I know, but not for my 24-year-old male brain at that time) is really weird.” More than fifty years later and pushing fifty years of marriage, the whole thing still seems crazy. But that’s what you get when you have the right one. And she was definitely the right one, still the best thing in my life, the love of my life…as I like to call her. Because God put us together as she tells me every morning and every night as we embrace and she tells me how she thanks God every day for doing so.

I had spotted her in traffic on several occasions on our way home when we were both young, in the Army and stationed at Ft. Carson, Colorado. It wasn’t hard to do: as soon as she got in her distinctive Mazda RX-4 and dropped her long blonde hair from the tight bun that regulations required, she was easy to spot. Then one day as I pulled in to the driveway of the apartment complex where I lived, there was her car and she was walking down the sidewalk from the office. She had just put down a deposit. I couldn’t believe it. I pulled into my parking space, jumped out of my car and bolted to the driver’s side of hers and began tapping on the window. She hadn’t seen any of this as she fastened her seatbelt and was actually looking over her right shoulder to clear herself so she could back out. Startled, she turned her head to be more startled yet because I was in my flight suit, a first lieutenant, and there she sat in fatigues, a sergeant. I think she even said, “Can I help you, Sir?”

I stood there jabbering away for about 45 minutes, telling her how I had seen her in traffic multiple times. And then it started to rain and I kept jabbering until she said something about me getting all wet. So…I invited her up to my apartment. Now any normal woman would have thrown it in gear and skedaddled away, right? But with no hesitation, she said OK and up we went! To this day she acclaims, “Oh, I was so naïve!” Yes, she probably was but what a good thing because here we are, more than fifty years and growing old together. You can’t beat it when you have the right one!

The common definition of a scammer is a person who commits fraud or participates in a dishonest scheme. The legal definition of a scammer is someone who intentionally deceives others to gain money or property. Rarely does the average citizen envision scamming as a business enterprise. In reality, when you look at the dark web it resembles a department store bulletin board chuck-full of bits and pieces of personal information on sale for a fee. Types of data cybercriminals sell include social security, driver license, and credit and debit card numbers. According to a June 22, 2024 blog by Reza Rafati “Types of Data Cybercriminals Sell on the Dark Web (https://threatintelligencelab.com/blog/types-of-data-cybercriminals-sell-on-the-dark-web/) discusses in some detail how the dark web is a bustling marketplace for purloined data.

Pulling this info theft selling thread even further, according to a December 6, 2017 blog by Brian Stack “Here’s How Much Your Personal Information is Selling for on the Dark Web” (https://www.experian.com/blogs/ask-experian/how-much-your-information-is-selling-for-on-the-dark-web/), the 10 most common pieces of information sold on the dark web includes: social security numbers for $1.00, on-line payment services login info $20- $200, Credit / Debit Card info $5.00-$110, Driver’s License info $20.00, Loyalty Accounts $20.00, General Non-Financial Institution login info $1.00, Diplomas $100-$400, Passports $1000 -$2000, Subscription Services $1.00-$10.00, Medical Records $1.00-$1000.

This blog goes on to mention that there are three main ways that personal information is bought and sold on the dark web.
Purchases can be a one-off acquisition
Purchases can be bought in bulk batches consisting of the same types of information
Purchases can be bought in bundles – often termed “premium packaging” which often include various types of bundled info.

According to a 2020 study, (quora.com/how-much-money-is-made-through-the-darknet-dark-web), it is estimated that the annual revenue generated from these markets could be in the range of 500m to 1 billion.

What drives the cost of personal information on the dark web?
Similar to all standard business models, both supply and demand play a large role in the cost of personal data.

How is Data Valuated?
High Value Data: Credit card details, online banking logins, passport information, social security numbers
Medium Value Data: Email addresses, phone numbers, social media logins
Low Value Data: Basic personal details like name and address (unless combined with other sensitive information)

According to a Knowb4.com Security Awareness Training Blog by Stu Sjouwerman (https://blog.knowbe4.com/1170-is-how-much-youre-worth-on-the-dark-web), the dark web market price index released by the independent VPN review site ‘Top10VPN” alleges that a person’s entire online identity (full package) can be purchased for approximately $1,170 – essentially since enough of our relevant information is already out there. The blog goes on to mention that a full package includes: basic proof of identity, credit and debit accounts, online banking data, login info for everything from your bank and social media accounts to store reward data.

Two dozen preventative strategies to keep your personal information secure might include:
Keeping a watchful eye on your credit reports
Failing to dispute erroneous information in your credit report
Placing fraud alerts and credit freezes on credit reports when fraudulent activity is uncovered
Closing accounts that have been compromised
Searching for the “S” or closed lock symbol on web addresses
Resisting foolishly opening suspicious links
Drafting strong passwords
Modifying passwords on a regular basis
Refraining from automatically storing and saving passwords for future speedy access
Purchasing identity theft protection monitoring services
Keeping abreast of data breaches
Enrolling in multi factor 2-step authentication programming
Shredding sensitive information
Securing chipped cards in RFID protected wallets and handbags
Keeping track of incoming invoices
Refraining from shopping or sharing information on public WIFI sites
Removing credit card receipts from vending machines
Checking U.S. Mail pickup schedules prior to mailing letters and packages in street side mailboxes
Leaving personal mail in residential mailboxes and raising the mail retrieval flag hours before the mail is scheduled to be picked up
Resisting the temptation from unsubscribing from incoming emails
Abstaining from trashing old computer equipment without removing hard drives and sim cards
Failing to use a gel tip pen when writing checks
Filing fraud complaints if victimized
Rejecting the urge of clicking on a link too quickly – ‘DON’T BE QUICK TO CLICK”!

Conclusion

Hacktivists are out there making big bucks, and it is up to us to protect ourselves. The Journey to better data protection begins and ends with us learning two valuable lessons 1) ALWAYS FOLLOW YOUR INSTINCTS, 2) DON’T BE QUICK TO CLICK AND ALLOW HACKTIVISTS ACCESS INTO YOUR PERSONAL DATA”!

About the authors
Dr. Luizzo is a retired NYPD detective and an investigative sleuth and lecturer with the Seniors vs Crime Project – a special program of the Florida Attorney General’s Office
Philip Luizzo is the Chief Operating Officer at Vault Verify LLC.