How to Avoid Financial Exploitation in Seniors

Donna Nichols • March 3, 2023
An elderly woman is talking on a phone while holding a credit card.

I have written a blog on this topic before, but think it is extremely important and keeps coming to light. We must protect our elderly from the scammers out there!!!


What is financial exploitation in seniors? This occurs when people try to take the seniors money or assets. They know every trick in the book and will pull them to get whatever they can from the senior. Seniors are the most vulnerable because they have a lot of time on their hands and are generally very trusting. When a senior is online searching for things, they sometimes they don’t know they clicked on a potentially harmful link, (this happens to all of us), but they are more vulnerable because they sometimes click without thinking. Something may look enticing and they click on it and BOOM they clicked on a scammers link.


Online isn’t the only way these scammers can get your information, they can get it through phone calls, any receipts or bank statements you have lying around, or a credit card. Make sure all these things are put away when someone comes to your house. If you have a caregiver, lock these things up where the caregiver does not have access. Most caregivers are trustworthy, but situations can take a change and you never know someone’s circumstances.


The first thing a senior needs is a financial advisor or an advocate, someone trustworthy who will look out for them. Make sure you know this person well and can trust them with everything. If you are mentally able, go over everything with your advocate and know where all your money and assets are.


Get a copy of your credit report at least once a year and go through it thoroughly to ensure everything is up-to-date and correct. Make sure no new accounts have been opened or the balance on your credit cards haven’t gone up instead of down. Also, check your report to ensure your credit score hasn’t dropped and there have been no new inquiries against your social security number.


Shred any bank statements, receipts, and expired credit cards; anything with your pertinent information on it. You know how we all get those unwanted credit card offers? Make sure you shred those too. There may not be enough information on them for a hacker, but why chance it. Shredders are not too expensive and can save you a lot of headaches down the road.


The IRS and Social Security will NOT call you and ask for your social security number!! Do NOT give this number out to ANYONE over the phone!!! Do NOT give your bank information out to ANYONE over the telephone. There shouldn’t be anyone calling you and asking for any kind of personal information whatsoever. Do NOT give out this information!!


You may be like me or a million other people and play sweepstakes or lotto online, but if you get an email or phone call saying you won but have you pay them so much money to claim your winnings, DON’T pay it!! This is a scam!!! Once they have your information, they will take all the money you have and not only did you not win the lotto, you also lost every penny you worked so hard for.


Should you need to hire someone to do work for you, check their references and NEVER pay them in advance! Also, pay them with a check if possible. If you must pay with cash, make sure you get a receipt and make sure the receipt has what the money was for and any terms and conditions.

NEVER sign any agreement you don’t understand, feel pressured into, or are uncomfortable with. It’s okay to say no and request to have someone else read and explain the document to you. If the person asking you to sign the document isn’t agreeable to this, it is more than likely a scam. Trust your instincts, if it doesn’t feel right, don’t do it.



Lastly, if you feel you have been exploited, or feel someone is trying to take control of your money, please reach out to Adult Protective Services. You can file a complaint online at myflfamilies.com/services/abuse/adult-protective-services or call them at 1-800-962-2873, option 2.

An elderly woman is talking on a cell phone while looking out of a window.

Why Are Seniors Always So Cold?

By Donna Nichols • March 9, 2026
If you’ve ever walked into a room full of older adults and noticed the sweaters, shawls, and space heaters humming in the corner, you’re not imagining it — many seniors really do feel colder than everyone else. And it’s not just a quirk. There are real, physical reasons behind it, and understanding them can make daily life a lot more comfortable. 1. Our Internal Thermostat Changes Over Time As we age, the body becomes less efficient at regulating temperature. The internal “thermostat” in the brain doesn’t respond as quickly to cold, so seniors may feel chilly even when the room is warm enough for others. 2. Less Muscle = Less Heat Muscle mass naturally decreases with age, and muscle is what helps generate body heat. With less of it, the body simply produces less warmth. Even active seniors may notice they get cold more easily than they used to. 3. Thinner Skin and Reduced Circulation Skin becomes thinner over time, offering less insulation. On top of that, circulation often slows, meaning warm blood takes longer to reach hands, feet, and other extremities. This is why fingers and toes are often the first to feel icy. 4. Medications Can Play a Role Many common medications — including those for blood pressure, thyroid issues, or depression — can affect how warm or cold someone feels. It’s not always the medication itself, but how it interacts with the body’s temperature signals. 5. Underlying Health Conditions Conditions like anemia, diabetes, thyroid disorders, or poor circulation can all contribute to feeling cold. Sometimes, persistent chilliness is the body’s way of asking for a check-in with a healthcare provider. 6. Hydration and Nutrition Matter More Than You Think Dehydration and low-calorie intake can both make the body feel colder. Seniors who don’t drink enough water or who eat lightly may notice they’re chilly more often. Simple Ways to Stay Warm and Comfortable • Layer up with breathable fabrics • Keep moving — even gentle stretching boosts circulation • Warm beverages throughout the day • Use blankets or heated throws safely • Check room drafts and adjust thermostat settings • Talk with a doctor if coldness is new or worsening A Warm Note to Close Feeling cold isn’t a sign of weakness — it’s a natural part of aging. With a few small adjustments and a little awareness, seniors can stay cozy, comfortable, and confident all year long.

How the Spring Season Helps Us Heal

By Donna Nichols • March 3, 2026
Spring has a way of softening the world. The air warms, the light lingers, and suddenly the small things — a bird call, a new bloom, a gentle breeze — feel like invitations to breathe a little deeper. For many seniors, especially those carrying grief, stress, or the weight of a long winter, March can feel like a quiet turning point. Here’s why spring so often brings emotional renewal, no matter your age. 1. Light Returns, and So Does Energy Longer days naturally lift mood. More sunlight helps regulate sleep, boosts energy, and gently nudges the body out of winter’s heaviness. Even a few minutes outside can shift the way the day feels. 2. Nature Models Healing Spring is a season of second chances. Trees bud again, flowers push through the soil, and the world rebuilds itself without rushing. For seniors navigating loss or change, this slow, steady renewal can feel reassuring — a reminder that healing isn’t linear, but it is possible. 3. Movement Feels More Natural Warmer weather encourages small steps: a walk to the mailbox, a few minutes on the porch, tending to a plant. These simple movements help ease stiffness, improve mood, and reconnect the body with the world around it. 4. Social Life Blossoms Too As the weather improves, people naturally come out of hibernation. Neighbors chat outside, community events pick up, and families gather more often. Even brief interactions can brighten a day and reduce feelings of isolation. 5. Spring Encourages Reflection — and Release There’s something about fresh air and open windows that invites a mental reset. Many seniors find themselves sorting through memories, letting go of what no longer serves them, and making space for what’s next. A Season That Meets You Where You Are Spring doesn’t demand big changes. It simply offers gentle reminders: you’re still growing, still healing, still here. Whether you’re grieving, rebuilding, or simply ready for a lighter season, March brings a quiet kind of hope — one that arrives softly and stays.
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Winter Wellness: Staying Safe and Steady in February

By Donna Nichols • February 5, 2026
February may not bring snow to Florida, but it still carries its own kind of winter — cooler mornings, shorter days, and a natural pull toward staying indoors. For older adults, this season is a gentle reminder to slow down, stay steady, and take good care of body and spirit. A Season for Paying Attention Winter has a way of making us less aware of our bodies. We move a little slower. We drink less water. We stay inside longer. These small shifts can affect balance, energy, and overall well‑being. The good news is that a few simple habits can make February feel safer, brighter, and more comfortable. Keep Your Space Safe and Well‑Lit Falls often happen not because of weakness, but because of poor lighting or clutter. A few small adjustments can make a big difference. • Turn on the lights before walking into a room • Keep pathways clear of shoes, bags, or small rugs • Use nightlights in hallways and bathrooms • Make sure frequently used items are within easy reach A safe home is a confident home. Supportive Shoes — Even Indoors Many seniors prefer slippers or socks inside, but these can be slippery or unstable. Supportive shoes with a good grip help prevent falls and maintain strong posture. Think of them as your indoor “winter boots” — steady, comfortable, and protective. Hydration Matters, Even When It’s Cool When the weather isn’t hot, it’s easy to forget to drink water. But hydration affects everything: energy, digestion, mood, and even balance. Try keeping a glass of water near your favorite chair or sipping warm herbal tea throughout the day. Your body will feel the difference. Stay Organized with Medications Winter is a good time to check in with your medication routine. • Are your pill organizers easy to open • Do you have refills ready • Are your medications stored in a visible, convenient place A little organization prevents missed doses and reduces stress. Connection Keeps the Cold Away Even in sunny Florida, winter can feel isolating. Shorter days and quieter routines can make anyone feel a bit lonely. Reach out to someone this month — a friend, a neighbor, a family member. A five‑minute conversation can warm the whole day. If you’re part of a senior community or church group, February is a wonderful time to join an activity, attend a luncheon, or simply sit with others. Human connection is one of the best wellness tools we have. Gentle Movement Keeps You Strong You don’t need a gym or a long walk to stay active. Try: • Light stretching in the morning • Standing up and sitting down a few times to strengthen your legs • A slow walk around the house or yard • Simple balance exercises while holding onto a counter Movement keeps joints flexible, muscles strong, and spirits lifted. A Month for Self‑Kindness February invites us to be gentle with ourselves. To rest when we need to. To move when we can. To reach out when we feel alone. To take small steps that help us feel safe, steady, and cared for. Winter won’t last forever — but the habits you build now can support you all year long.