Time to Clean out Your Wallet

Donna Nichols • June 7, 2023
A brown wallet filled with money and credit cards.

I was perusing the latest AARP bulletin and found so many great articles for blogs. This article is titled Wallet Audit and has some great ideas to keep your identity safe. Amy Nofziger is the author and has served as AARP’s director of fraud victim support for nearly two decades.


Amy says your wallet should be slim, light and contain very little. Most of the information we carry in our wallets is on our phones now, so we can clean those wallets out and have less for the crooks to take. Here are some suggestions to make your wallet lighter and safer.


Take only as much cash as you will need. No one carries a lot of cash anymore and you shouldn’t either. If you will be using cash for purchases, take only what you think you will need and perhaps a little bit more in case of an emergency.


Leave your Medicare card at home. Only carry your Medicare card when you have a doctor’s appointment that may require it. Should someone get a hold of your number, it may be used for any number of scams, including filing for false claims.


Never carry a blank check in your wallet. There isn’t much use for checks these days, so why leave yourself open to the possibility of someone getting your bank account information?


Carry one credit and one debit card ONLY. Leave any other cards at home. You shouldn’t need any more than one credit card or one debit card for anything you are buying. Imagine if you’re a crook and you found a wallet with five or so credit cards in it! WOO HOO! Jackpot! Don’t risk it!


Do NOT carry a house key in your wallet. If someone does get your wallet, they also have your address and can show up at your house at any time.


Copy the front and back of all the health and credit cards you choose to carry with you and store them in a safe place. This will ensure you have all the correct numbers in case your wallet does get stolen.


Remove any photos you may have in your wallet also. Why let the crooks have access to find out about your family or standard of living? Best to leave the photos on your phone.


Probably the most important! Remove your social security card! How many times have you needed to show your social security card? Your entire identity can be stolen if a crook gets your social security number, why risk it? Leave the card at home in a secure place.


It’s sad that we must continuously write blogs on scams and how to protect yourself. Even ten years ago it wasn’t as bad as it is now. I guess the crooks were learning new ways to scam and perfecting their ways. It’s such a sad world these days. That people would take advantage of our seniors is just despicable.



Please take care of our most vulnerable population and watch out for them! It takes all of us working together to help them thrive!

A person is holding a wallet full of credit cards.

What can a Senior Advisor do for you?

By Donna Nichols • July 17, 2025
A senior advisor is a personal guide or advocate for older adults and their families. Here’s what they can do for you: Help Navigate Options They can explain the differences between independent living, assisted living, memory care, nursing homes, and in-home care, and recommend the best option for a person's health, lifestyle, and budget. Find the Right Community or Services They often have knowledge of (and connections with) local senior living communities or services. They’ll: Match your needs to suitable options Setting up tours Even help ask the right questions Assist with Financial Planning Some advisors can help figure out how to pay for care: Understanding long-term care insurance Veterans’ benefits Medicaid/Medicare guidance Budget planning Guide Legal and Paperwork Stuff They can refer you to elder law attorneys, help with advance directives, or even help you understand contracts from senior living facilities. Support for Families They can act as a neutral third party when families struggle with decisions, easing tension and helping everyone feel informed and involved. Assist with Movers and Downsizers Some advisors have connections with movers, downsizers, and other people who can make your transition smooth.  If you believe a senior advisor can assist you, please call us today to schedule your complimentary consultation at 386-847-2322 . Our services are 100% FREE to you! What have you got to lose?

Beating the Florida Summer Heat

By Donna Nichols • July 7, 2025
Florida summers come in three flavors: hot, hotter, and what fresh hell is this? Whether you're a lifelong local or newly initiated into the Sunshine Sweat Fest, you know it’s more survival sport than season. So, how do we stay cool without losing our cool? Here’s your sun-savvy guide to getting through it. Make hydration a hobby Not just water, electrolytes are your best friends when you're sweaty. Coconut water, cucumber-mint spritzers, watermelon slices. If your drink doesn’t sparkle, chill, or drip condensation like a rom-com montage, it’s not summer-ready. Dress for success and summertime Loose, light, breathable fabrics. Cotton, linen, or the holy grail: moisture-wicking. Bonus points for sun hats and SPF clothing that make you look like a beach detective on vacation. Fans ARE your best friends Table fans, ceiling fans, handheld fans—the whole rotation. Keep them oscillating like your thoughts during a political debate. And if you’ve got a cooling towel? You’re royalty. Avoid the “Roasting Hours” From 11 AM to 4 PM, Florida turns into a convection oven. Errands, walks, and yard work? Schedule them early or late. Unless you’re trying to get baked like a Publix cookie—then by all means. Sunscreen is a lifestyle Apply, reapply, then pretend  you're an influencer and do it again. Because nothing says “I’m melting” like a shoulder burn shaped like your purse strap. Eat lightly Cold meals can be your best friend—salads, chilled pasta, and fruit-forward lunches are all options. Bonus points if you serve them on plates fresh from the fridge like the true champion you are. Rest, reset, repeat If the heat’s making you crankier than a mosquito at a citronella convention, take breaks: shade, air conditioning, quiet corners. Recharge without guilt—you’re surviving a sauna with its own zip code. Florida heat might be relentless, but so are we. With humor, hydration, and a healthy dose of stubborn grace, we ride the wave and keep the ice cubes coming. Stay cool out there, friends. You’ve got this.

Honoring Independence Day with Grace

By Donna Nichols • July 2, 2025
Not every 4th of July needs to burst with fireworks. For many older adults, especially those with tender hearing, health challenges, or a fondness for quieter joys, Independence Day can be just as meaningful in a slower rhythm. It’s the scent of something delicious simmering nearby, the comfort of a cool seat and a cherished show, and the simple dignity of being remembered; of having made it this far, with stories to tell and wisdom that still glows brighter than any sparkler. Caregiver Tips for a Thoughtful 4th: Keep things soft and soothing. Loud sounds can be jarring for seniors with sensory sensitivities, dementia, or PTSD. Choose instrumental patriotic music or old-time radio shows that bring joy without overwhelming them. Build a gentle plate. Soft, easy-to-eat favorites like tender pulled chicken, mashed potatoes, or a festive red, white, and blue parfait (layered Greek yogurt, mashed berries, and crushed graham crackers) keep things celebratory without strain. Spark memories, not stress. Bring out family photo albums, classic Americana films, or even music from their youth. Columbo, The Andy Griffith Show, or golden-age musicals can be a comforting trip down memory lane. Create rest-friendly spaces. A cozy chair near the window, a shaded seat outside, or even a reclined viewing spot for a live TV broadcast of fireworks can help them feel included without fatigue. Let them lead the conversation. Ask about what Independence Day meant to them growing up. You might discover tales of ration books, war bonds, or dancing at VFW halls. These stories are treasures wrapped in the quiet of the day.  In the end, Independence Day is about honoring resilience—the kind that’s quieter, often overlooked, but profoundly enduring. Whether you’re caring for someone, being cared for, or simply holding space for reflection, there’s beauty in choosing peace over spectacle. This Fourth of July, let’s celebrate not just the freedom of a nation but also the freedom to adapt, to rest, and to cherish those we love in the way that suits them best.