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Do you or anyone you know has any sight or vision issues? Our next Lunch & Learn speaker is Kathy Searle Acevedo - Florida Bureau of Braille and Talking Books Library Services. Sign up here to reserve your spot today - https://ourseniors.net/contact-us/lunch-learn-reservation-form/
Happy 4th of July in 2024
OurSeniors Team wants to wish all a Happy 4th of July and hope everyone enjoys a safe and fun holiday weekend.
Happy 4th of July 2024 - Independence Day
OurSeniors Vendors, Readers, Subscribers, and Donors…Let’s Talk Independence
We know that you’re brimming with excitement as we approach a very special and universally well-known day in American history—Independence Day! You’ve probably already prepared for your upcoming cookouts, shopped for decor in patriotic colors, and bought flags in bulk but while we know the 4th of July is a popular day for the country, we want to make sure that you remember the true meaning of it.
The 4th is about more than barbecues, fireworks, parades, and baking cakes that look like our great flag. It signifies what happened on July 4, 1776…the passage of the Declaration of Independence by the Continental Congress.
This day represents separating the 13 North American colonies from Great Britain and celebrates the signing of the declaration that made this separation real. The declaration wasn’t signed on the 4th though. 12 out of 13 colonies voted in favor of the motion for independence made by Richard Henry Lee. The declaration itself was actually signed on August 2, 1776, and because of this fact, you might be asking yourself…why exactly do we celebrate this on the 4th? The reason that we do is because the 4th is when we ‘adopted’ the Declaration of Independence and since then the U.S. has been an independent nation.
Well, It’s Official!
You’ve heard correctly…the ‘Summer 2024’ edition of OurSeniors Magazine is officially released and we want to celebrate our team's hard work with you. We put a lot of effort into curating the perfect pages for this issue and our reward is when our readers enjoy what we take to print and what we release digitally. We’re sure that you already know this but you have the option to get both, a print and digital copy. The OurSeniors website allows you to easily view and share your favorite editions and what’s better is that you can stay on top of what we’re planning and what we release.
As always, we want to extend an open invitation for all of our readers and supporters to join us for our Lunch/Brunch and Learn events, our fundraisers, and events that our team gets excited about. What we hope to provide for seniors, we also want all of those involved with our initiative to have the same feeling of accomplishment, involvement, and joy that we do.
Also, we want to remind you that while you’re hosting family and friends and shopping for fireworks to honor the brave men and women who dedicated their lives to shaping the great nation we call home. Take a moment to remember their valor and express the gratitude you have for the sacrifices that many others have made for us today.
From OurSeniors Team
Check Out DB Pickles Summer Events!
Check out DB Pickles summer events. Every Tuesday, a variety of discounts are available for OurSeniors and veterans. On top of that, a portion of your patronage is donated on dates of July 19, August 16 & September 20 to OurSeniors.org so they can continue providing free reliable services to all of OurSeniors. Don't miss your chance to participate and mark your calendar today!
ATTENTION Floridians! IRS Issues Warning on Impersonation Scams
By The office of Senator Rick Scott
As a member of the United States Senate Special Committee on Aging, Senator Rick Scott is fighting to protect Florida's seniors from fraud and was proud to host a Senate Aging Hearing in the Villages with Florida Attorney General Ashley Moody on the growing risk of financial scams.
The Internal Revenue Service (IRS) issued a warning about the rising threat of impersonation scams.
These scams are targeting older adults by pretending to be government officials, aiming to steal sensitive personal information and money. By posing as representatives from agencies such as the IRS, or other government agencies, these fraudsters use fear and deceit to exploit their victims.
Key points to remember: Individuals should understand how and when the IRS contacts taxpayers. Remember the following:
The IRS will never demand immediate payment via prepaid debit cards, gift cards or wire transfers. Typically, if taxes are owed, the IRS will send a bill by mail first.
The IRS will never threaten to involve local police or other law enforcement agencies.
The IRS will never demand payment without allowing opportunities to dispute or appeal the amount owed.
The IRS will never request credit, debit, or gift card numbers over the phone.
If taxpayers are uncertain about the legitimacy of IRS communications, they can contact IRS customer service for verification at +1 (800) 829-1040, or for the hearing impaired, TTY/TDD +1 (800) 829-4059. To view details about an individual's tax account, they can set up or check their IRS individual online account on IRS.gov.
IR-2024-164: IRS warns against scams targeting seniors; joins other federal agencies to recognize special awareness day — has additional information, also available in Spanish.
Our Summer Edition will be on “Newsstands” soon!
Hi OurSeniors.net reader,
We are very excited to let you know that the Summer Edition will be in the mail soon to those who Donate, and will be at the Pick Up Locations by the 1st week in July. It will also be available Online here soon!
OurSeniors.Net Magazine has become recognized as the best senior-oriented publication in Florida. Each quarter, it brings entertainment, news, and encouragement to the senior community. The “Amazing Seniors” section features, the accomplishments and life stories of Amazing Seniors of The Greatest Generation. These are true stories of accomplishments, trials, endurance that encourage all of us. Read these stories here: https://ourseniors.net/editions/amazing-seniors/ Big Shout out to our latest Amazing Senior Dr. Benjamin Newman after serving our Military for 46 years!
BTW, we know that Seniors love Coupons and Discounts and we are excited to let you know that Every Tuesday you can now receive a Senior Discount, Veteran Discount and Senior/Veteran Discount at DB Pickles. Also the Culver's Coupons are back, but you need to get a print copy and bring it with you when you go visit them, with an empty belly of course!
Once you get a chance to read thru the Print or Online Version, let us know what you liked and what you would like to see more of in the upcoming Editions.
Thanks,
From OurSeniors Team
PS – Did you know that we have officially launched
OPERATION SUPPORT OUSENIORS.org Visit www.ourseniors.org/donate for more information!
Lunch & Learn in Summer Season 2024!
Don't miss out the free Lunch & Learn events in the summer season for 2024. Starring guest speakers like
Kathy Searle Acevedo
Robert Bud Murphy & Anthony Luizzo
Andrea Spencer
Seats are going fast, sign up here to reserve your spot today: https://ourseniors.net/contact-us/lunch-learn-reservation-form/
Join us today on Wednesday, June 26 at Red Robin in Port Orange. Yes anytime and they will donate 20% to OurSeniors. Just mention OurSeniors when you place the order!
Be Careful, the Scammers are Everywhere!
Building a backyard pool is expensive, but Diana Decker of Westlake had saved up for it. In 2020, she thought she gave her investment to a reputable company, Villa Pavers and Pools.
"It makes you not want to trust anybody anymore," said Decker in 2021.
A state investigation found that the company and its owner, Ricardo Villarroel Duerto, were not licensed and he was charged with racketeering and conspiracy to commit racketeering.
Villarroel is responsible for defrauding Decker and nearly 100 homeowners for pool work that was never done over the years across Florida, totaling more than $1 million in losses. The Florida Attorney General’s office prosecuted the case.
"The gentleman who’s responsible for taking your money is being sentenced to prison. It’s highly unlikely he’s going to be repaying you or be able to get a job to be able to repay you anytime soon," said Chris Castillo, a plaintiff’s attorney at Apex Law Firm in Tampa.
Villaroel defrauded three Tampa Bay area homeowners in Temple Terrace, Clearwater and Wesley Chapel. Castillo works on consumer cases, and he is not representing victims against Villarroel. He shared what you can watch for if you’re looking for contractor work.
"Research them online. Check out their Google reviews, check out their Better Business Bureau reviews. They have complaints on the Better Business Bureau and check out the official court records in your local county clerk’s office," said Castillo.
He recommends you always check for their license online, take your time looking over any contracts and get several estimates for the work. But if you think you’re not getting what you paid for, Castillo suggests taking action.
"I definitely recommend filing a complaint with the attorney general’s office. They have a consumer fraud protection wing," said Castillo.
Court documents show victims paid tens of thousands in down payments or toward the pool they never received, and it can be a journey to try to get that money returned. Villarroel targeted victims in Broward, Collier, Hendry, Hillsborough, Lake, Miami-Dade, Orange, Osceola, Palm Beach, Pasco, Pinellas and Seminole counties.
According to the Attorney General’s Office, the investigation uncovered that Villarroel teamed with licensed general contractor Luis Alvarez of Conquer Builders, who aided and abetted Villa Pavers and Pools to defraud homeowners throughout the state. The office said Alvarez sold the use of his general contractor license to Villa Pavers and Pools, an unlicensed contractor company, to present a contractor license to homeowners and obtain building permits.
Villarroel used the license repeatedly and hired two salespeople, Michael Borrego Fernandez and Laura Ballester Alpizar, to make deals, according to AG Ashley Moody. Alvarez, Borrego and Ballester are all in custody facing the same charges as Villarroel.
The Attorney General’s Office said Alvarez pled guilty to both charges with a sentence pending, and Borrego and Ballester are out on bond.
For more information on this story, visit: https://www.fox13news.com/news/pool-company-owner-sentenced-18-years-defrauding-nearly-100-florida-homeowners.amp
Walmart Golf Event This Week!
Walmart Golf Event – Summer 2024
Walmart 582 Golf Tournament to benefit Orlando Health Arnold Palmer Hospital for Children. Don't miss your chance to sign up: https://ourseniors.net/event/walmart-golf-event-summer-2024/
Ask Dr. Q - Summer 2024
“Ask Dr. Q.” gives OurSeniors readers a chance to get expert answers to specific senior-related health questions. Dr. Steven Quaning is Medical Director and Chief Physician at Metro Health, a network of medical practices dedicated to senior care. He is Board Certified in Geriatric Medicine, medical care specifically aimed at seniors. In our “Ask Dr. Q” feature, readers have an opportunity to get answers to specific senior medical questions. Here are some examples-
Q? How do APRNs benefit patients?
Answer. APRNs (Advanced Practice Registered Nurses) have completed extensive clinical training, making them well-qualified to provide basic medical care. There is a growing shortage of MDs, and these practitioners can fill the gap. Nurse practitioners are often more available than medical doctors, and you can typically get an appointment sooner. They often spend more time with you during your visit. This allows MDs to spend time dealing with more serious medical problems.
Treatment by APRNs gives the patient high-quality, lower cost, and quickly available medical care. MetroHealth is blessed to have a staff that includes both MDs and dedicated nurse practitioners.
Q? How important is better sleep to your health?
Answer. Few things are more important to good health than sleep. Prioritizing good sleep contributes significantly to your overall health and well-being. Insufficient or poor-quality sleep increases the risk of various health conditions, including heart disease, stroke, obesity, and dementia. Older adults still need the same amount of sleep, but unfortunately, sleep quality may decline with age. This makes it especially important for seniors to maintain good sleep habits. These habits include sticking to a consistent schedule (go to bed and get up at the same time each day.) Create a sleep-friendly environment by keeping your bedroom dark, quiet, and cool. Invest in a comfortable mattress and pillows. Avoid heavy meals and caffeine before going to bed. Limit nap time to 20 or 30 minutes a day and get sufficient exercise. Try to turn off TV and computer screens an hour before bedtime. The blue spectrum of light from these screens disrupts your day/night balance. There is room for variance, but most sleep experts say that 7 to 9 hours of sleep a night are needed. If you sleep more or less, or if you are still tired after sleeping, talk to your doctor. He or she can check for conditions like sleep apnea and help get you into a better sleep pattern.
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Disclaimer. The information provided in Ask Dr. Q or on our website is intended for informational purposes only. It should not be construed as a substitute for professional medical advice. Please note that not all questions submitted may be answered. Always consult your physician or healthcare provider for medical advice. For additional Disclaimer information please visit ourseniors.net/disclaimer/
Join us today on Wednesday, June 19 at Red Robin in Sanford. Yes anytime and they will donate 20% to OurSeniors. Just mention OurSeniors when you place the order!
OurSeniors.org launches Operation Support OurSeniors.org
OurSeniors.org organization announces the launch of Operation Support OurSeniors.org. Operation Support OurSeniors.org is a fundraising campaign intended to help defray the costs associated with the many valuable services these organizations provide. OurSeniors.org is a 501 C (3) charitable organization and has been providing those services without charge for years. These benefits have been an invaluable aid to seniors and their families.
For years, OurSeniors has produced and distributed its printed and online publication, OurSeniors.Net Magazine, free of charge to readers and viewers. Senior readers have found inspiration, entertainment, and helpful practical information in the pages of this fine quarterly publication. Founder and President Julian G. Cantillo states, “OurSeniors mission is and will continue to be to serve OurSeniors, family, friends and caretakers.”
OurSeniors Lunch and Learn Event series has provided seniors with an opportunity to acquire useful and practical knowledge while socializing with peers. This socialization opportunity is an important element of its service to seniors. Along with the OurSeniors visitation program, it is an important part of the services provided to seniors. OurSeniors volunteers visit nursing homes and assisted living facilities in a continuing effort to prevent the feelings of isolation that can damage the physical and mental health of seniors.
One of OurSeniors’ most important activities is the maintenance of its association of vetted businesses and professional service providers. These individuals or organizations agree to adhere to a strict set of standards in dealing with seniors. They provide not only products, but also professional services like legal and medical practice. All these Approved Vendors agree to the OurSeniors Code of Ethics, insuring honest and fair dealings with seniors.
The services provided also include free newsletters, podcasts, and special discounts for readers. The bottom line is that the OurSeniors organization is a 501 C (3) whose purpose is to serve the needs of seniors in any way possible. Because of the increasing costs of providing these services, OurSeniors will not be able to continue free services without outside help.
Operation Support OurSeniors.org is a fund-raising event intended to preserve those free services to seniors. Seniors are the fastest growing demographic in the United States, and they face unmet needs and social challenges. OurSeniors.org is a charitable organization that steps in and fills the gap between seniors’ needs and their resources. Of course, contributions to Operation Support OurSeniors.org are tax deductible. All proceeds go to ensuring that OurSeniors publications and resources are free to the seniors who need them.
That is why we make this appeal. Patrons can help keep OurSeniors a viable, useful and free service to the senior community! Please help us continue this mission. Of course, donations made to 501 C (3) organizations like OurSeniors are tax deductible for the donors. So, give while you live! Go to this website www.ourseniors.org/donate/ or call us at 386-267-6898 to help us help seniors!
Happy Father’s Day in 2024!
Happy Father’s Day to all Dads out there!
It's almost Father's Day and there's no better time to show our Father's appreciation for all that they do and have done. Whether you want to celebrate your father, someone else's, or someone who played the role of a father in your life, the day is meant to give thanks and to show appreciation to fathers and father figures in any way that you can think of.
Father’s Day Is Around the Corner
You might be at a loss about what to give as a gift or what you could do to show just how thankful you are for them. Here's the thing, anything that you do will always be enough and you shouldn't overthink it. Try a few of these ideas on for size:
Take Dad out Golfing and its all for Great Cause!
Visit for more information: https://ourseniors.net/event/walmart-golf-event-summer-2024/
Upcoming Lunch and Learn on June 26th take a look and Sign up!
Visit for more information: https://ourseniors.net/news-events/
Check out more details on how you can Volunteer and Donate!
Visit for more information: https://www.ourseniors.org/donate/
From OurSeniors Team
Dr. Benjamin Newman, A Truly Amazing Senior
People who go into medicine are generally motivated to help others. For the doctors and corpsmen of the U.S. Navy and Marines, this can be especially true. Often, they find themselves in dramatic situations where their aid can literally make the difference between life and death. During his 46 years of Navy service, Ben Newman was in several of those circumstances.
As a young man, Ben sometimes visited the Navy Yard in his native Philadelphia. Seeing those ships made him want to be a part of the team, and in 1962 he enlisted in the Navy as a medical student. Each summer, he spent 45 days on active duty as a medical officer in the Philadelphia Navy Hospital. After graduation, he joined Destroyer Squadron 2 on active duty and was soon on his way to D**g Ha Vietnam. It was the northernmost city in South Viet Nam, a focus of combat activity, and a rude awakening for a young doctor.
Nothing in his training had prepared Dr. Newman for this experience. He saw wounds from combat that would never be encountered in civilian practice. Early in his tour of duty, a young Marine who had stepped on a land mine arrived at the hospital. His foot, still in a boot, was held to his leg by just a piece of flesh. The attending doctor took it in hand, severed it with a knife, and threw it into a paper box.
Remembering the experience, Dr. Newman commented, “You are never the same after seeing something like that or someone dying. As the most junior guy there, I sometimes had to assign corpsmen to go out in the field with Marines. That was the worst job in the world because these guys might not come back. And a lot of them didn’t. You don’t forget that. I have a son who was a corpsman, and I am so proud.”
He quickly learned to respect and depend on the corpsmen at D**g Ha. Encountering combat, most people instinctively try to escape, but corpsmen run towards it. It is their job to be there when most needed, and many wounded soldiers owe their lives to these brave and skilled people.
In D**g Ha, his quarters were in a bunker, he ate only combat rations, and slept with his boots on, keeping one eye open for fear of being attacked during the night. He saw about 60 casualties every day. Duty hours were “as many hours as the job took.” Returning to the United States, Dr. Newman served stateside in Norfolk, VA at the Navy Clinic for one year.
Later, Ben separated from active duty but remained in the Navy Reserve. He opened a very successful private practice in Altamonte Springs, FL where he stayed for several years. He became associated with central Florida EMS and Emergency Rescue services, became a very competent helicopter pilot, and even got a commercial pilot’s license for fixed wing aircraft.
During that “quiet time,” he was called back to active duty in 1991 to participate in Operation Desert Storm, where he spent three months as the General Medical Officer for the Marines in Egypt and Kuwait. The oil fires were so thick that you could not see the sun. Many wounded Marines were treated in the field under the threat of Scud missile attack. The nights were bitterly cold, and the days were scorching hot.
That was a short duty tour, but in 1998 he left his Family Medicine Practice and returned to active duty, serving as the Senior Medical Officer with Navy Security Group Activity at Winter Harbor, Maine and then as Senior Medical Officer on the USS Bataan. Just hours after the September 11 attack, the Bataan deployed to the middle east to take part in Operation Enduring Freedom.
Following a seven-month deployment aboard the Bataan, Dr. Newman returned to the Portsmouth Navy Hospital and soon assumed the position of the Second Fleet Surgeon. He was responsible for overseeing the medical departments of approximately 126 ships and aircraft carriers. In 2007 he retired from the Navy, ushered out with a ceremony that included the Navy Marching Band. But his service was not quite over. On the day of his retirement party, he received a call from the Pentagon asking him to run the Navy Safe Harbor Program (later the Wounded Warriors Program) in Washington. In 2008, he had his second retirement after a lifetime of service to his country, the Navy and the countless soldiers and sailors he had helped.
This life story should inspire Americans young and old. Ben Newman could have spent his career in a safe, comfortable private medical practice. Instead, he chose a path that placed him in spots most of us would avoid. He was often deployed away from family for long periods and at considerable danger to himself. He goes out of his way to praise the skill, devotion, and courage of his corpsmen and fellow doctors.
After a 46-year career, CAPT Benjamin Newman, MD truly deserves the title, “Amazing Senior!” Thank you for your service, CAPT Newman.
Jesus’ Farewell Address
Provided by Andrew Wommack
Few moments in history carry as much weight and significance as Jesus’ final words to His disciples on the night of His arrest. As He faced the darkest hour of His earthly ministry and stood on the brink of His crucifixion, facing betrayal, agony, and death, His words to His disciples were filled with urgency and importance:
Let not your heart be troubled: ye believe in God, believe also in me.
John 14:1
Jesus knew the disciples were about to face the greatest crisis of their lives, and He wanted to prepare them for it. It’s evident from the scriptural account that the disciples didn’t understand the Resurrection, even though Jesus had told them fourteen different times that He would be crucified. And seven of those fourteen times, He included that He would rise again on the third day. Still, this was not in the forefront of their minds.
From their perspective, it seemed that all the hopes they had pinned on Jesus as the Messiah—the one who would redeem Israel and deliver them from Roman occupation—were completely shattered. Consequently, not only were they spiritually affected, but their lives were in danger merely by association. You know, Scripture highlights that after Jesus was arrested, Peter denied Him three times. But it wasn’t only Peter who fled—all of the disciples forsook Jesus.
Maybe you find yourself in a crisis as you read this. It might even be an extremely critical situation in your marriage, business, or finances. There are many different types of challenging circumstances we can all face in life, and they can really seem overwhelming. While I don’t want to diminish whatever you might be going through, I truly believe it doesn’t compare to the crisis these disciples were dealing with. I know that’s a bold statement, but I believe it to be true.
Remember, they had pinned all of their hopes on Jesus. They’d given up everything, and now it seemed as if everything they had believed was a lie. They had left families, homes, businesses—they forsook it all, and without a backup plan. So, when Jesus was arrested, it looked like total failure. And on top of all that, their very lives were now in jeopardy. This was a major crisis situation.
I believe Satan knows where we’re vulnerable. He sometimes sees our weaknesses better than we do. Being a spiritual creature, he doesn’t just perceive things in the natural realm. I believe he saw that these disciples were the ones Jesus was entrusting His entire kingdom to and that Jesus was depending on them. And because of that, I believe Satan was throwing everything he had at them—depression, discouragement, fear, anything he could use to try to s***f these guys out. After all, they were the ones who would carry on the message Jesus had left with them. So, they likely faced demonic opposition during this time that few of us have ever experienced.
I share all of that to provide some background. Imagine yourself in the shoes of Jesus’ disciples, your heart heavy with apprehension as you confront all the uncertainties amidst all these events. And the very first thing Jesus says is to not let your heart be troubled. I tell you, that is just phenomenal.
Love is not emotionless, but it is a choice and a commitment that you make. So, the answer isn’t suppressing or venting your emotions. What you need to do is cast your cares over on the Lord and let God come in and heal your heart.
Casting all your care upon him; for he careth for you.
1 Peter 5:7
There is an anointing on Jesus to heal broken hearts. We need to get to the place where even if we’re faced with death, we can’t help but praise God, knowing that heaven awaits.
If you enjoyed what I shared here, visit my website at awmi.net, where you’ll find additional free teachings and resources. If you need prayer, I encourage you to call my Helpline at 719-635-1111, where one of my trained prayer ministers would love to pray with you.
We love you,
Andrew and Jamie
Heads Up- Traditional Banks Are Going Away!
You have probably noticed that there are fewer and fewer bank branches. In fact, between 2017 and 2021, over 4,400 bank branches shut down permanently. At the height of the pandemic, many more were temporarily closed or offered only limited services. At some branches, it was necessary to make a special appointment to access a safe deposit box or conduct some other transactions.
The four-year period between 2017 and 2021 saw an acceleration in the branch closure trend that started in 2008. Most experts predict that this trend will continue in the coming years and neighborhood bank branches could all but disappear by 2034. Interestingly, Florida was the state with the largest number of bank closures in the last six years by a wide margin. Florida, a fast-growing market, lost 529 banks in that period, compared to runner up Illinois, a no-growth market, which lost 395. In many smaller communities, there is no physical bank at all.
This situation has a disproportionate effect on seniors, the demographic group whose members are most likely to have been sticking with the familiar banking practices of the past. Those habits are going to be more and more difficult to maintain as branches close. Even common transactions like a withdrawal, deposit or transfer are going to become harder if you are looking for an open branch or a human bank teller. Many branches are going to become simply drive-through lanes with sophisticated cash machines.
No one thinks that banks are going to completely go away, but the services they offer to individuals are going to be mainly “mobile,” “online” or “electronic.” This means that seniors must acquire the digital skills needed to navigate this new system. If you are going to remain in control of your personal affairs, this will become mandatory.
Younger seniors are likely to be prepared for this process. Today’s 60 or 65-year-old was a young adult at the dawn of the digital age. They began to use digital devices at work and in their personal lives years ago. However, for many seniors, the switch to online or mobile banking has seemed intimidating or frightening. A 2019 consumer study found that seniors aged 70 and older were far less likely to use these new banking services. While traditional banks or at least drive-through operations remained open, this was not a huge problem. The pandemic offered a preview of banking in the future; there will be fewer and fewer in-person contacts and help from human beings will be hard to find. Telephone helplines are often frustrating, operated by people in foreign countries who do not speak clearly.
The survey cited above found that seniors avoided digital banking for several reasons. These barriers included banking safety and security concerns, physical difficulty using mobile devices, a preference for in-person contact, and a lack of access to the internet. Real as these concerns are, seniors who want to stay in personal control of their financial affairs must overcome them.
Here are some tips to help seniors who are ready to take the leap into online and mobile banking-
First, be sure you have the right equipment. If you are having difficulty using cell phone keyboards or voice commands, look at computer tablets or good old-fashioned computers and laptops. They are easier to see and much easier to type with. Some seniors find dealing with the small screens and touch keys in cell phones difficult.
Start with a simple online or mobile task. Just establishing an online account with your bank is a good place to start. If this seems intimidating, have a friend guide you through the process. After this account is established, use it to do simple tasks like checking bank account balances. Repeat this several times before moving on to something like making transfers or paying a bill online. You do not have to jump in right away doing complicated things like investing online. Build familiarity one step at a time.
Use the educational resources available to you. All major banks offer online help, often in the form of videos that clearly explain how to do common transactions online. They may also offer information about taxes, rebates, financial literacy tools and ways to report suspected fraud immediately.
Last, don’t be afraid to ask for help. This should be rare, but if there is a problem that you just cannot solve, there is someone in a local branch who can help. Nowadays, it might require making an appointment in that branch, but it may be worth the trouble while branches are still open. Mastering online banking is about learning a new skill, something seniors should continue to do throughout life. Remember that everyone had to learn how to bank online at some point.
Thanks for reading our blog and patronizing our supporters. Come back to OurSeniors.Net frequently. We try hard to provide you with information that is both entertaining and useful.
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OurSeniors Radio host Julian G. Cantillo welcomes guest speaker from MetroHealth Team, Sam Dunlop DNP, NP-C. Samuel Dunlop is an advanced registered nurse practitioner at MetroHealth. He received his Doctor of Nursing Practice (DNP) degree from the University of Florida and is certified through the American Academy of Nurse Practitioners. With a bachelor's degree in nursing from Jacksonville University, he has a strong academic background in the field of nursing. Sam Dunlop is known for his expertise as a nurse practitioner, providing healthcare services to patients in the MetroHealth system. MetroHealth supports and loves OurSeniors.net Magazine, yes you can become one of OurSeniors. --- Services For more information: Want to learn more about OurSeniors.net Magazine and the services we provide, visit: https://ourseniors.net/ Need Coupons?: Check out the latest coupons for OurSeniors here: https://www.ourseniorsdiscounts.net/ Looking to Subscribe to begin receiving OurSeniors Magazine in the mail?: To ensuring our publications and resources are free to seniors that need them, please subscribe here: https://www.ourseniors.org/fundraiser/ Miss the last OurSeniors Radio show?: Check out all of our previous and current radio shows here: https://ourseniors.net/radio/ --- Vendors Looking for healthcare professionals that primarily focuses on OurSeniors? Look no further, MetroHealth and all there available locations, visit - https://ourseniors.net/services/category/medical/ There is nothing more painful then losing a loved one and being unprepared. Dignity Memorial is here to ease the transition. Visit here for more information: https://ourseniors.net/services/funeral-planning/united-states/florida/ormond-beach/volusia-memorial-park-and-funeral-home/ Need a reputable real-estate agent? Ducle Monahan is the agent for you, visit here: https://ourseniors.net/services/real-estate/united-states/florida/ormond-beach/adams-cameron-co-realtors/ Disability does not need t
OurSeniors Radio host Julian G. Cantillo welcomes guest speaker’s from K2 Medical Research - Christopher Galloway, MD & Santiago Santelis, MD, MS. Welcome to K2 Medical Research, a privately-owned clinical research facility in the greater Central Florida area. We specialize in conducting multiphasic clinical trials that promote the development of innovative and effective medical treatments while maintaining the safety and privacy of our participants. Here at K2, we are committed to fighting the diseases that plague our loved ones and ourselves. By harnessing the power of advanced clinical research and connecting our patients with the treatments of tomorrow, we can improve the health of our local communities, and by extent, the population of our world. --- Services For more information: Want to learn more about OurSeniors.net Magazine and the services we provide, visit: https://ourseniors.net/ Need Coupons?: Check out the latest coupons for OurSeniors here: https://www.ourseniorsdiscounts.net/ Looking to Subscribe to begin receiving OurSeniors Magazine in the mail?: To ensuring our publications and resources are free to seniors that need them, please subscribe here: https://www.ourseniors.org/fundraiser/ Miss the last OurSeniors Radio show?: Check out all of our previous and current radio shows here: https://ourseniors.net/radio/ --- Vendors Looking for healthcare professionals that primarily focuses on OurSeniors? Look no further, MetroHealth and all there available locations, visit - https://ourseniors.net/services/category/medical/ There is nothing more painful then losing a loved one and being unprepared. Dignity Memorial is here to ease the transition. Visit here for more information: https://ourseniors.net/services/funeral-planning/united-states/florida/ormond-beach/volusia-memorial-park-and-funeral-home/ Need a reputable real-estate agent? Ducle Monahan is the agent for you, visit here: https://ourseniors.net/services/real-estate/united-states/flori
OurSeniors Radio host Julian G. Cantillo welcomes guest speaker Anthony Luizzo, Volunteer for Seniors Vs Crime Program Volusia County. This segment of the radio show features Twenty- four Unconventional Scam Prevention Tips to help seniors stop scammers in their tracks before they can play their deadly trade. --- Services For more information: Want to learn more about OurSeniors.net Magazine and the services we provide, visit: https://ourseniors.net/ Need Coupons?: Check out the latest coupons for OurSeniors here: https://www.ourseniorsdiscounts.net/ Looking to Subscribe to begin receiving OurSeniors Magazine in the mail?: To ensuring our publications and resources are free to seniors that need them, please subscribe here: https://www.ourseniors.org/fundraiser/ Miss the last OurSeniors Radio show?: Check out all of our previous and current radio shows here: https://ourseniors.net/radio/ --- Vendors Looking for healthcare professionals that primarily focuses on OurSeniors? Look no further, MetroHealth and all there available locations, visit - https://ourseniors.net/services/category/medical/ There is nothing more painful then losing a loved one and being unprepared. Dignity Memorial is here to ease the transition. Visit here for more information: https://ourseniors.net/services/funeral-planning/united-states/florida/ormond-beach/volusia-memorial-park-and-funeral-home/ Need a reputable real-estate agent? Ducle Monahan is the agent for you, visit here: https://ourseniors.net/services/real-estate/united-states/florida/ormond-beach/adams-cameron-co-realtors/ Disability does not need to be a hinderance. Find all the help you need for FREE here: https://ourseniors.net/services/community-services/united-states/florida/daytona-beach/florida-bureau-of-braille-and-talking-book-library-services/ Hungry? Check out the delicious menu at Red Robin, visit: https://ourseniors.net/services/restaurants/united-states/florida/port-orange/red-robin-port-orange/ --- Events
OurSeniors Radio host Julian G. Cantillo welcomes guest speaker Dr. Stephen Quaning, M.D., CEO MetroHealth, Inc. "Ask Dr. Q" is a feature on OurSeniors.net Magazine where readers can ask senior-related health questions. Dr. Steven Quaning, who is Board Certified in Geriatric Medicine, serves as the Medical Director and Chief Physician at Metro Health, a network of medical practices focused on senior care. --- Services For more information: Want to learn more about OurSeniors.net Magazine and the services we provide, visit: https://ourseniors.net/ Need Coupons?: Check out the latest coupons for OurSeniors here: https://www.ourseniorsdiscounts.net/ Looking to Subscribe to begin receiving OurSeniors Magazine in the mail?: To ensuring our publications and resources are free to seniors that need them, please subscribe here: https://www.ourseniors.org/fundraiser/ Miss the last OurSeniors Radio show?: Check out all of our previous and current radio shows here: https://ourseniors.net/radio/ --- Vendors Looking for healthcare professionals that primarily focuses on OurSeniors? Look no further, MetroHealth and all there available locations, visit - https://ourseniors.net/services/category/medical/ There is nothing more painful then losing a loved one and being unprepared. Dignity Memorial is here to ease the transition. Visit here for more information: https://ourseniors.net/services/funeral-planning/united-states/florida/ormond-beach/volusia-memorial-park-and-funeral-home/ Need a reputable real-estate agent? Ducle Monahan is the agent for you, visit here: https://ourseniors.net/services/real-estate/united-states/florida/ormond-beach/adams-cameron-co-realtors/ Disability does not need to be a hinderance. Find all the help you need for FREE here: https://ourseniors.net/services/community-services/united-states/florida/daytona-beach/florida-bureau-of-braille-and-talking-book-library-services/ Hungry? Check out the delicious menu at Red Robin, visit: https://oursenior
OurSeniors Radio host Julian G. Cantillo is honored to have guest speaker Andrew C. Grant, J.D., LL.M., BCS Tax. My name is Andrew Grant. I've been a licensed attorney for 26 years and practicing in the Volusia/Flagler area for almost 23 of those. I am certified as a Tax Specialist by the Florida Bar. I currently work with Chiumento Law with offices in Ormond Beach and Palm Coast. My practice focuses on tax and estate planning. I was happy to talk with OurSeniors about the importance of estate planning for everyone, regardless of wealth, because everyone is likely to face the same issues as they get older. Those issues include the need to have someone named in your legal documents to make decisions for you when you can't, like making legal and financial decisions under a durable power of attorney, or making medical decisions for you under a designation of health care surrogate. Everyone should have a will, too, so that your heirs know your wishes regarding what happens upon your death; who gets what from your estate and how to handle your remains. Finally, if you want to make sure that when the time comes you are allowed to pass peacefully and not be hooked up to machines, then you need a living will stating that decision. There are many more aspects of estate planning, and not everyone needs the same things. That is why it's important to get at least some basic information out there to raise awareness and hopefully spur folks to seek professional help in making sure their estate plan meets their needs. --- Services For more information: Want to learn more about OurSeniors.net Magazine and the services we provide, visit: https://ourseniors.net/ Need Coupons?: Check out the latest coupons for OurSeniors here: https://www.ourseniorsdiscounts.net/ Looking to Subscribe to begin receiving OurSeniors Magazine in the mail?: To ensuring our publications and resources are free to seniors that need them, please subscribe here: https://www.ourseniors.org/fundr
OurSeniors Radio hosted by Julian G. Cantillo is honored to have Treasurer of the Daytona Halifax Area Lions Club – Mr. Richard Johnson. Richard Johnson, 70, was born in San Francisco, CA and raised there and in Minneapolis, MN and New York City. He is the Treasurer of the Daytona Halifax Area Lions Club, for whom he is directing a Children’s Early Vision Screening Initiative. Although his education and training is in Fine Arts Painting and Drawing Instruction and, though technically retired, his chief goal is to create an ongoing screening program for maintaining or improving the visual acuity of every kindergarten age student in Volusia County. In these pursuits, Richard is in step with every other Lion everywhere in the world. Lions have a long tradition of serving the blind and visually impaired – a commitment Lions expect to continue indefinitely. Most especially, Lions work to prevent avoidable blindness (which accounts for 75% of blindness), as well as to improve the quality of life for those who were blind or otherwise visually impaired at birth. Lions, with the support of Lions Club International Foundation (LCIF) are also working to reduce the prevalence of diabetes. Our approach begins with blood glucose screening and detection. By the time it’s diagnosed the majority have had the disease for five years. Obviously, the work is urgent. We serve. --- Services For more information: Want to learn more about OurSeniors.net Magazine and the services we provide, visit: https://ourseniors.net/ Need Coupons?: Check out the latest coupons for OurSeniors here: https://www.ourseniorsdiscounts.net/ Looking to Subscribe to begin receiving OurSeniors Magazine in the mail?: To ensuring our publications and resources are free to seniors that need them, please subscribe here: https://www.ourseniors.org/fundraiser/ Miss the last OurSeniors Radio show?: Check out all of our previous and current radio shows here: https://ourseniors.net/radio/ --- Vendors Loo
OurSeniors Radio hosted by Julian G. Cantillo is honored to have real-estate agent - Dulce Monahan CRS, SRES from Adams Cameron & CO. Realtors. The Real Market industry is ever changing with new laws and challenges. I am entering my 23rd year of service. Experience in handling situations that come up holds a lot of value. When a Senior makes the important decision to sell a home or condo that has been their residence for an extended amount of time there are many questions and concerns. My experience in helping families and individuals will allow me to guide through the entire process of selling. To better assist a Senior with their questions and worries, a Senior Real Estate Specialist can bring real solutions in handling their concerns. Often there may be family available to assist a Senior in this process. However, when the family is either too far away or not involved then more care in handling a Senior's real estate transaction will be necessary. I will be there from the beginning guiding you until we close. Anytime you have any questions, feel free to call. Even if you are not ready to sell. OurSeniors.net supports our Approved Vendors, check them out here: www.ourseniors.net/services/ --- Services For more information: Want to learn more about OurSeniors.net Magazine and the services we provide, visit: https://ourseniors.net/ Need Coupons?: Check out the latest coupons for OurSeniors here: https://www.ourseniorsdiscounts.net/ Looking to Subscribe to begin receiving OurSeniors Magazine in the mail?: To ensuring our publications and resources are free to seniors that need them, please subscribe here: https://www.ourseniors.org/fundraiser/ Miss the last OurSeniors Radio show?: Check out all of our previous and current radio shows here: https://ourseniors.net/radio/ --- Vendors Looking for healthcare professionals that primarily focuses on OurSeniors? Look no further, MetroHealth and all there available locations, visit - https://ourseniors.net/service
OurSeniors Radio welcomes guest speaker Stephanie Biscay, DNP, APRN, FNP-C, Geriatric Nurse Practitioner and host Julian G. Cantillo. MetroHealth of Central Florida is a network of primary care doctors and health professionals that caters specifically to seniors in Orange and Volusia County who are insured through Medicare. The organization follows a model reminiscent of the past, where primary care physicians collaborate with specialists to provide comprehensive medical care to patients. STEPHANIE BISCAY, DNP, APRN, FNP-C she is just one of many providers. Stephanie Biscay is a Florida native who grew up in Ormond Beach and graduated from Seabreeze High School. She obtained her Bachelor of Science in Nursing (BSN) degree at the University of South Carolina in Aiken, SC in 2015. Earning her Doctor of Nursing Practice (DNP) degree from the University of Florida in 2023, specializing as a Family Nurse Practitioner (FNP), and working as a nurse with complex patients prepared her to manage and care for patients with acute and chronic conditions. Her goal is to assist each patient with a better quality of life while improving health outcomes. --- Services For more information: Want to learn more about OurSeniors.net Magazine and the services we provide, visit: https://ourseniors.net/ Need Coupons?: Check out the latest coupons for OurSeniors here: https://www.ourseniorsdiscounts.net/ Looking to Subscribe to begin receiving OurSeniors Magazine in the mail?: To ensuring our publications and resources are free to seniors that need them, please subscribe here: https://www.ourseniors.org/fundraiser/ Miss the last OurSeniors Radio show?: Check out all of our previous and current radio shows here: https://ourseniors.net/radio/ --- Vendors Looking for healthcare professionals that primarily focuses on OurSeniors? Look no further, MetroHealth and all there available locations, visit - https://ourseniors.net/services/category/medical/ There is nothing more painful then
OurSeniors Radio welcomes special guest speaker from the Volusia Sheriff’s Office – Detective Devon Barrett and special host Julian G. Cantillo. OurSeniors Radio continues to have Special Guests on the Radio Show on the latest scams affecting seniors and how they can be on the lookout for it. My name is Detective Devon Barrett and I am currently assigned to the Deltona Detective’s Unit with the Volusia Sheriff’s Office. I have been employed with the Sheriff’s Office for approximately six years with three years of patrol experience and three years as a detective. During my time as a detective, I exclusively work crimes against people, which includes everything from fraud to attempted homicide. I was approached with the opportunity to discuss my experience and expertise in fraud trends throughout the community with a specification in the exploitation of the elderly. Subsequently, I compiled a list of growing trends we see, how people can protect their assets from fraud, and also provided some resources to reach out to in the event someone suspects they are the victim of fraud. The hope is that this information reaches the appropriate audience and helps prevent future victims of fraud. As fraudsters are consistently evolving with technological advances, it is imperative that law enforcement and citizens change their tactics and remain vigilant to defend their assets. This is exactly what OurSeniors focuses on, is making sure seniors stay informed and educated and how to avoid scams. --- Services For more information: Want to learn more about OurSeniors.net Magazine and the services we provide, visit: https://ourseniors.net/ Need Coupons?: Check out the latest coupons for OurSeniors here: https://www.ourseniorsdiscounts.net/ Looking to Subscribe to begin receiving OurSeniors Magazine in the mail?: To ensuring our publications and resources are free to seniors that need them, please subscribe here: https://www.ourseniors.org/fundraiser/ Miss the last
OurSeniors Radio is honored to welcome Anthony Luizzo, Volunteer for Seniors Vs Crime Program Volusia County and host Julian G. Cantillo. The Scam Prevention Clinic: • Seasonal scams • The dirty dozen scams to watch out for • Who to call if you get scammed? Seasonal Scams: SOME FRAUDS FOLLOW THE CALENDAR AND ARE OFTEN TERMED SEASONAL CRIMES. 1. Lost Parcel Scams: These scams are normally higher during the high-volume holiday shopping season – from black Friday through late January after all returns have been forwarded. 2. Healthcare Medicaid /Medicare Fraud: These scams are normally higher during annual transfer periods. 3. Roofing / Construction Scams include – roof patching / replacement / patio replacement / tree pruning, etc. - these scams are normally higher during the hurricane season. 4. Romance Scams include - sending money / gift cards / jewelry, etc. - these scams are normally higher around Valentine’s Day, Mother’s Day, birthdays, etc. 5. Cemetery Scams include flower sales, gravestone cleaning, etc. - these scams are normally higher during Veteran’s Day, Easter, Passover, Christmas, etc. Dirty Dozen Scams 1. Lost parcel scams 2. Healthcare scams 3. Roofing scams 4. Banking scams- credit card / check washing, ID theft 5. Construction scams 6. Solar scams 7. Moving company scams 8. Entrepreneurial scams 9. Romance scams 10. Family tragedy scams 11. Automobile dealer scams 12. Password reset scams. You can start by calling Seniors vs. Crime at 1-800-203-3099 Guest Anthony Luizzo Services For more information: Want to learn more about OurSeniors.net Magazine and the services we provide, visit: https://ourseniors.net/ Need Coupons?: Check out the latest coupons for OurSeniors here: https://www.ourseniorsdiscounts.net/ Looking to Subscribe to begin receiving OurSeniors Magazine in the mail?: To ensuring our publications and resources are free to seniors that need them, please subscribe here: https://www.ourseniors.org/fundraiser/
How do we keep OurSeniors safe from SCAMS? – January 20, 2024 OurSeniors Radio host Julian G. Cantillo is honored to welcome the Ormond Beach Police Department, Chief Jesse Godfrey, Officer Danielle Henderson and Officer Andrew Rossi. The Ormond Beach Police Department takes pride in protecting our community from frauds and scams. We believe the most important tool we offer is education. We have two full time community outreach officers who actively interact with our citizens to teach them the current fraud and scam trends that are seen in Ormond Beach. The Ormond Beach Police Department believes that there is power in knowledge, and we provide that knowledge with our educational classes, coffee with a cop session, community engagement activities, and educational pamphlets we provide to the community. In addition, we have a full time Victims Advocate who assists all victims restore their lives, and overcome unforeseen circumstances. --- Services For more information: Want to learn more about OurSeniors.net Magazine and the services we provide, visit: https://ourseniors.net/ Need Coupons?: Check out the latest coupons for OurSeniors here: https://www.ourseniorsdiscounts.net/ Looking to Subscribe to begin receiving OurSeniors Magazine in the mail?: To ensuring our publications and resources are free to seniors that need them, please subscribe here: https://www.ourseniors.org/fundraiser/ Miss the last OurSeniors Radio show?: Check out all of our previous and current radio shows here: https://ourseniors.net/radio/ --- Vendors Looking for healthcare professionals that primarily focuses on OurSeniors? Look no further, MetroHealth and all there available locations, visit - https://ourseniors.net/services/category/medical/ There is nothing more painful then losing a loved one and being unprepared. Dignity Memorial is here to ease the transition. Visit here for more information: https://ourseniors.net/services/funeral-planning/united-states/florida/ormond-beach/vol
Is Fraud and Scams affecting OurSeniors and how to protect yourself! OurSeniors Radio welcomes special guest speaker from the Volusia Sheriff’s Office – Detective David Mcintosh and special host Julian G. Cantillo. Fraud and scams targeting seniors have become a concerning issue with potentially devastating consequences. Criminals are increasingly using online scams and other deceptive tactics to target older adults, particularly those who are living alone. Here are some common frauds and scams that affect seniors: Government Impersonation Scams: Scammers may pose as government officials or agencies to trick seniors into providing personal information or money. They might claim to be from the Social Security Administration, Medicare, or the IRS, and demand immediate payment or threaten legal action. Sweepstakes and Lottery Scams: Seniors may receive phone calls, emails, or mail claiming they have won a lottery or sweepstakes prize but need to pay fees or taxes to claim the winnings. These scams often target the desire for financial security and can lead to significant financial losses. Robocall Scams: Seniors can receive automated phone calls offering fraudulent products, services, or investment opportunities. These calls often use scare tactics or promises of high returns to manipulate older adults into providing personal or financial information. Charity Scams: Scammers may exploit seniors’ generosity by posing as representatives of fake charities or disaster relief organizations. They use emotional appeals to convince seniors to donate money, but the funds end up in the scammers’ pockets instead. Internet Scams: Online fraudsters can trick seniors through various online platforms, including email, social media, and online shopping. Examples include phishing emails, fake websites selling counterfeit products, or romance scams where scammers develop relationships to exploit seniors emotionally and financially. It is essential for seniors, and their
OurSeniors Radio host Julian G. Cantillo welcomes guest speaker Kathy Searle Acevedo, Florida Braille and Talking Book Library Volunteer Services and Outreach, Mary Tyson and service dog, Jake. The Florida Braille and Talking Book Library is a free service for anyone unable to use regular print materials because of a disability. “I can download my materials or get them through the mail. Listening to audio books and reading braille has allowed me to enjoy reading as much as any other members of my family!” Mary Tyson, retired professional and Library user since the age of five. Mary recently visited the WNDB studio with her service dog, Jake, for an interview with OurSeniors Radio. Check it out, it is really informative. --- Services For more information: Want to learn more about OurSeniors.net Magazine and the services we provide, visit: https://ourseniors.net/ Need Coupons?: Check out the latest coupons for OurSeniors here: https://www.ourseniorsdiscounts.net/ Looking to Subscribe to begin receiving OurSeniors Magazine in the mail?: To ensuring our publications and resources are free to seniors that need them, please subscribe here: https://www.ourseniors.org/fundraiser/ Miss the last OurSeniors Radio show?: Check out all of our previous and current radio shows here: https://ourseniors.net/radio/ --- Vendors Looking for healthcare professionals that primarily focuses on OurSeniors? Look no further, MetroHealth and all there available locations, visit - https://ourseniors.net/services/category/medical/ There is nothing more painful then losing a loved one and being unprepared. Dignity Memorial is here to ease the transition. Visit here for more information: https://ourseniors.net/services/funeral-planning/united-states/florida/ormond-beach/volusia-memorial-park-and-funeral-home/ Need a reputable real-estate agent? Ducle Monahan is the agent for you, visit here: https://ourseniors.net/services/real-estate/united-states/florida/ormond-beach/adams-cam
Merry Christmas to all!
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