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April 1st is the one day we all expect to be fooled. Scammers are counting on the other 364

Breaking News: Free Cruise for All Retirees! Congratulations!!! If you are reading this, you have just been chosen for a luxury Caribbean cruise, a $5,000 shopping spree, and a lifetime supply of… well, something vaguely exciting. All you need to do is: Click this link, enter your banking info, confirm your SIN, and maybe your childhood pet's name for good measure. Still reading?  Good. Because if that opening gave you even the tiniest thrill, the little flutter of wait, really? You've just experienced exactly what scammers are counting on. APRIL FOOL'S!!! And also: welcome to the world of phishing. Population: way too many of us. Phishing vs. Fishing: A Retirement Skill You Didn't Know You Needed There are two kinds of fishing in retirement.  One involves a dock, a thermos of good coffee, and no deadlines at all. The fish might or might not cooperate. That's fine. That's the whole point. The other scenario involves someone trying to steal your identity by congratulating you on a cruise you never booked, a prize you never won, and a windfall that demands your banking details, your SIN, and, just for fun, the name of your first pet. (Buttons. It's always Buttons.) Let's make sure you're fluent in the first kind and bulletproof against the second. Fraud Doesn't Just Happen to Fools Here's something important to say aloud before we proceed. Fraud isn't caused by people being careless, gullible, or old. It is orchestrated by professionals whose full-time job is to manipulate human behaviour under pressure. There is a clear difference between these two, and how we discuss fraud influences whether victims come forward or stay silent out of shame. This issue is more significant than most realize. Canadians lost over $638 million to fraud in 2024, an increase from $578 million the previous year, according to the Canadian Anti-Fraud Centre. However, that figure only tells part of the story. The CAFC estimates that just 5 to 10 percent of total fraud losses are ever reported. Think about that for a moment. The number we see is already staggering, and the real total is almost certainly ten times higher. Seniors make up a disproportionate share of those losses, especially in investment fraud, romance scams, and the grandparent scam. But here's the part the statistics don't show: fraud is improving at its craft. These aren't the poorly written emails of 2005. Today's scams are refined, patient, and psychologically targeted. They're designed to create urgency, confusion, and fear — aiming to override careful thinking precisely when it's needed most. So let's talk about what that actually looks like. A Very Personal Fraud Story That Will Stay With You A family reached out to me recently, after reading one of my earlier posts on fraud and seniors. Their father had been the victim of a prolonged scam, one that unfolded over months and caused significant financial damage. They only found out after he passed away. Three things about this story stopped me cold. First, their father kept meticulous records. He journaled every interaction, every step, every decision. There was essentially a play-by-play account of how he became entangled and how difficult it became to find a way out. Second, he was an intensely private person. Not a single family member knew any of it was happening while it was happening. Third, he was a chartered professional accountant. Decades of financial training, discipline, and experience. Someone who understood numbers, risk, and how money moves better than most people ever will. And still. Under the right conditions, with the right psychological pressure applied at the right moments, he was drawn in. That is not a story about a foolish man. That is a story about how sophisticated fraud has become. And it is a story that is playing out in living rooms and email inboxes across this country every single day. Why Seniors Are Targeted (And It's Not What You Think) Scammers don't just go after older adults because they think we're naive. They go after us because we have assets. Savings. Home equity. Good credit. Pension income that actually shows up every month. We're not easy targets; we're valuable ones. They also go after us because retirement can come with conditions that fraud is specifically designed to exploit: financial anxiety about making savings last, changes in how we process decisions under pressure, and, for many, reduced opportunities to run something by a trusted person before acting. Social isolation is not a character flaw. It is a vulnerability, and the people running these operations know exactly how to use it. The Scams You Actually Need to Know About The Grandparent Scam. You get a call. It's your grandchild. They're in trouble, arrested, in an accident, stranded, and they need money right now. Please don't tell Mom and Dad. The caller may not even sound exactly right, but panic has a way of filling in the gaps. Sometimes a fake lawyer or police officer jumps on the line to add credibility. The script is designed to bypass your rational brain and go straight for your heart. If this ever happens: hang up. Call your grandchild directly on a number you already have. Every time. The CRA Impersonation Call. This one is especially popular at tax time.  An official-sounding voice informs you that you owe back taxes and if you don't pay immediately via e-transfer or gift cards, a warrant will be issued for your arrest. The Canada Revenue Agency does not call you out of the blue demanding gift cards. Full stop. If you're ever unsure, hang up and call the CRA directly as 1-800-959-8281. The Romance Scam. Someone finds you online, charming, attentive, almost too good to be true. Weeks or months in, a crisis emerges. Could you help, just this once? These scams are emotionally brutal and financially devastating. If an online relationship moves unusually fast and a financial request follows, that's not love. That's a script. The Investment Opportunity. Guaranteed returns. Exclusive access. Limited time. These words belong together the way "healthy" and "deep-fried" don't. Legitimate investments don't come with countdown clocks. Phishing Emails and Texts. These mimic your bank, Canada Post, Service Canada, Amazon, and anything you'd recognize. They look almost right. The email address is a little off. The link goes somewhere slightly wrong. They want you to click, to enter information, to act now before something bad happens. The urgency is the tell. No Shame. Seriously. None.  If this has happened to you, or someone you love, please hear this: falling for a scam does not mean you are getting old, losing it, or slipping cognitively. It means you are human and were placed under carefully engineered psychological pressure by someone who practices this for a living. That is it. The end. And if you need a reminder that this crosses every age and profession, consider the case of a retired district court judge who lost the equivalent of over $100,000 to a digital arrest scam. Fraudsters called claiming his phone number was linked to a trafficking investigation. Despite decades on the bench watching deception unfold in real time, fear and intimidation did what all that professional knowledge could not protect against. A judge. Still got hooked. That is what these scams do when they are built well. (Source: Devdiscourse) RCMP Sergeant Guy Paul Larocque of the Canadian Anti-Fraud Centre puts it plainly: "Fraudsters are professional salespeople who work a target until they close the deal and get their money." That framing matters. You would not blame yourself for being sold something by a skilled salesperson operating under false pretenses. This is no different. The embarrassment is real and completely understandable. However, it does not fairly reflect what occurred. The CAFC has pointed out that many individuals feel ashamed of being victims of fraud and hesitate to report it, but every report helps break up fraud schemes and protect others. Reporting to the Royal Canadian Mounted Police is not a sign of failure; it is a vital way to safeguard the next person. A Word to Family Members re: Fraud: Drop It Like It's Hot If someone you care about has been scammed, put down whatever you are holding, take a breath, and read this carefully. Do not scold them. Do not lecture them. Do not "grandsplain" them into the ground. Grandsplaining, for the uninitiated, is mansplaining for the aged, and it is just as unwelcome. Nobody needs a slow, patient, thoroughly detailed breakdown of everything they should have done differently while they sit there wishing the floor would open up and swallow them whole. They already know. They feel terrible. They have probably been replaying every moment of it since it happened, asking themselves how they missed it, why they trusted it, and what they were thinking.  What they do not need is you asking those same questions out loud. Your role at this moment isn't to be the smartest person in the room. It's not to claim you would never have fallen for something like this. And it's certainly not to start a sentence with "well, I always said you should..." because if you finish that sentence, you're on your own. Your job is to be kind. Full stop. Help them contact the bank. Sit with them while they file the report. Make the tea. Handle the phone call they are too rattled to make. Be the calm in the room. That is what love looks like in a crisis, and this is a crisis. Now here is the part where the tables turn, so pay attention. Scammers are not ageist. They are not sitting in a room somewhere saying, "Let's only go after the over-65s today." They go after anyone with money, a phone, and a moment of distraction. Which means they go after everyone. Your inbox is not immune. Your judgment under pressure is not immune. Your "I would never fall for that" confidence is, frankly, exactly the kind of thing scammers count on. Fraud can happen to anyone, and sharing your experience with others, whether or not money was lost, can help prevent them from being victimized by the same or a similar fraud. Nobody is too sharp, too young, or too digitally savvy to be targeted. The call is coming for all of us eventually. So when it comes for you, and you call your mother in a panic, wouldn't you rather she answer with warmth instead of a very long "I told you so"? Be nice to her now. Consider it an investment. One day, she might be the one sitting you down for "the talk." And at that point, the only appropriate response is to make the tea and keep your opinions to yourself. What the Experts Say: Practical Tips to Stop Fraud In my book "Your Retirement Reset" (ECW Press: Now available for Pre-Order here), I cover the topic of fraud and scams." I wanted to address this issue in depth because fraud prevention is not a footnote in retirement planning. It belongs front and center. Here is an excerpt of Chapter 9 of the book: "Remember the old saying, 'Nothing ever comes free'? While it is hard for many seasoned Canadians not to trust a caller, unfortunately, that's the way of the world today. Here are some tips for protecting yourself. Be skeptical. Be wary of unsolicited phone calls, emails, or messages, especially those asking for personal information or money. Don't take their word for it. Ask the person for their details. If they say they are calling from your bank, get their name and branch number and call your bank for verification. If the message is in an email, contact the institution identified in the email. Do not respond right away, ever. Don't share personal information. Never share personal, financial, or health information with unknown individuals or organizations. Consult trusted individuals. Discuss suspicious offers or communications with family members, friends, or trusted advisors. This is especially important if you are asked to donate to a charity or make any kind of financial investment. Use technology wisely. Install antivirus software, create strong passwords, and stay alert to phishing tactics such as harmful links in texts or emails. Use the block feature on your phone to cut off repeat callers you suspect are fraud artists. Work closely with your financial institution. Ask your bank to send alerts for any unusual activity on your account. Review your statements every month and report unauthorized transactions immediately. Report suspicious activity. If you suspect a scam has targeted you, contact the police. Stay informed. Keep up to date on prevalent scams aimed at older adults. A quick Google search on any unsolicited information request can often tell you whether it has already been flagged. These scams are frequently reported to authorities and featured in the media and on consumer advocacy websites." How to Stay Off the Hook When It Comes to Fraud A little friction can be helpful. Scammers depend on speed, on you reacting before you think. The best thing you can do is slow down. Avoid clicking links in unexpected messages; instead, go directly to the company's website by typing it yourself. Call back on a number you find independently, not one provided in the suspicious message. Check email addresses carefully, as a transposed letter can sometimes be all it takes. Keep your devices updated, since those updates fix real vulnerabilities. Discuss these topics openly. With your kids, friends, book club, or the person behind you in the coffee line. Scams flourish in silence and shame. Talking honestly is one of our strongest protections. In retirement, urgency belongs in spin class. Not your inbox. What to Do If You Took the Bait No judgment here. These scams are truly sophisticated. Smart, experienced, financially educated people fall for them, as we've just established. If you think you've been scammed, stop engaging immediately, change your passwords, contact your bank to flag or freeze your account, run a security scan on your device, and report it to the Canadian Anti-Fraud Centre at 1-888-495-8501. Reporting matters even if you cannot recover the money. It protects the next person in line. Think of it as cutting the line before the fish swims off with your whole tackle box. 3 Things Worth Setting Up This Week to Protect Yourself from Fraud These take 20 minutes and quietly protect you around the clock. Two-factor authentication (2FA) adds a second verification step. It's usually a text code. And it helps ensure that a stolen password alone won't give access to your accounts. Credit Card controls allow you to lock and unlock your debit or credit card instantly through your bank's app, so if something seems suspicious, you can freeze it within seconds. Real-time alerts enable you to set notifications for any transaction over a threshold you specify, so if someone is spending your money, you are informed immediately, rather than finding out at the end of the month when the damage is already done. Don't Get Hooked by Fraud.  Retirement should be about freedom. The freedom to fish from a proper dock, travel somewhere warm, and spend your money on things that truly bring you happiness. It's not meant to involve fake urgency, suspicious links, or people who want your SIN and the name of your childhood cat. We Need to Do More to Protect Seniors The fraud prevention system in this country, to be frank, hasn't kept pace with the rise of fraud itself. That gap is real, it's growing, and it needs more attention than it currently gets. Meanwhile, the best we can do is stay informed, keep in touch with trusted people, and not let embarrassment prevent us from seeking help or reporting what happened. You worked hard for what you have. You deserve to enjoy it without looking over your shoulder. So enjoy the lake. Take the cruise — a real one that you booked yourself. Spend wisely, live well, and protect what's yours. And if anyone ever tells you that you've won something you never entered? Smile. Wish them a Happy April Fool's. Then hang up. Have a scam story, a close call, or thoughts on what fraud prevention is getting right or getting wrong? I would love to hear from you. Drop it in the comments or send me a note. This is exactly the kind of conversation we should all be having, and the more real experiences we share, the better equipped we all are to protect each other. Sue Don't Retire…ReWire! My Book is Now Available for Pre-Order If this message speaks to you, or to someone you love, I hope you will pre-order a copy of Your Retirement Reset. Available September 8, 2026. Here's the link. And if you love supporting Canadian booksellers, please also check with your local independent bookstore. Most can easily order it for you.

UF researchers aim to improve nutrition for cancer patients

A new study and first-of-its-kind food pharmacy at UF aim to help patients with cancer access and eat nutritious foods, giving them the best possible shot at a healthy future. As many as a third of cancer patients face food challenges, particularly in rural areas. Good nutrition can improve outcomes during and after treatment. With a grant from the Florida Department of Health, a team of researchers at the University of Florida Health Cancer Center and Sylvester Comprehensive Cancer Center will first assess the community’s nutritional needs. Then they’ll test the usefulness of a food-focused digital tool designed to connect patients to helpful resources. An on-site food pharmacy will help patients not only get the food they need to thrive but also provide tools for lasting change. “We’re taking a community-based approach to holistic cancer care,” said Dejana Braithwaite, Ph.D., associate director for population sciences at the UF Health Cancer Center. “Patients consistently express that nutrition is an important issue for them during cancer treatment. We want to address nutritional needs from treatment through survivorship with a sustainable intervention. ASCENT brings science and community together to make that a reality in Florida.” Braithwaite, a professor and division chief in the UF Department of Surgery, is leading the multi-institution study with Tracy Crane, Ph.D., R.D.N., director of lifestyle medicine, prevention and digital health and co-lead of the Cancer Control Program at Sylvester, part of the University of Miami Health System. Researchers from the UF colleges of Journalism, Medicine, and Public Health and Health Professions and UF/IFAS Extension are participating. The Florida Partnership for Adding Social Context to Address Cancer Survivorship Outcomes study, which the researchers have nicknamed ASCENT, will focus on those affected by the most prevalent cancers in Florida, including breast, lung, colorectal, prostate and blood cancers. “Cancer survivors who follow a healthy dietary pattern have a lower risk of recurrence and death,” said Cora Best, Ph.D., R.D.N., an assistant professor of nutritional sciences in the UF College of Agricultural and Life Sciences and study team member. “Some cancer therapies have long-term or late side effects that increase the risk for chronic conditions, like osteoporosis, which can be alleviated with good nutrition. That means a healthy diet during and after oncologic treatment can enhance lifespan and quality of life.” Researchers will start by conducting interviews with patients, providers and community-based organizations. They want to understand how to best use resources to meet the nutritional needs of those with cancer, such as food security and diet quality. “Community outreach and engagement with various groups is a cornerstone of the study,” said Francis Dalisay, Ph.D., an associate professor in the UF College of Journalism and Communications who helped develop the interview guides. The team will use the information to build a diet intervention with online surveys and patient navigator support, which they will test in a randomized clinical study at UF Health and Sylvester. Patient navigators will connect patients with resources like community programs or specialist referrals. The food pharmacy, located at the UF Clinical and Translational Sciences Metabolic Kitchen, will help cancer patients get healthy, whole nutrient-dense foods like high-protein items, fruits, vegetables and pantry staples. It will also provide workshops, personalized recipes and meal plans. Although the United States is a wealthy nation, food insecurity remains common, including in Florida, Best said. “The ASCENT study pairs evidence-based dietary guidance for cancer survivors with innovative strategies to overcome barriers like food insecurity,” she said. Ultimately, the study aims to empower patients so they can address lifestyle factors in their control, boosting their well-being. “I am hopeful this study will provide patients with appropriate resources to improve their overall nutrition, especially those who are malnourished,” said Paul Crispen, M.D., the Cancer Center’s associate director for clinical research and a study adviser.

Experts in the Media: What You Need to Know About Medication Safety and Everyday Health

From medication safety to seasonal illness prevention, pharmacists are often the most accessible, and overlooked,  healthcare professionals in our communities. In a recent segment on NBC, Dr. Shannon Yarosz breaks down common misconceptions about prescriptions, explains how drug interactions really work, and shares practical advice patients can use immediately to better manage their health. Dr. Shannon Yarosz is an Assistant Professor of Pharmacy Practice. Prior to joining the faculty at Cedarville University, served in multiple pharmacy roles. Her career reflects a deep commitment to patient care with experience in pediatrics, community pharmacy practice, and clinical healthcare services. As healthcare systems face growing pressure and patients navigate increasingly complex medication regimens, pharmacists are playing a larger role than ever before. This discussion highlights why their expertise matters, from helping patients avoid costly mistakes to providing front-line guidance on everyday health concerns. When should I stop taking antibiotics? Is it ok to stop when I begin feeling better? This question and several others were addressed in this week's Ask the Pharmacist segment on WDTN TV in Dayton, Ohio. Looking to know more or connect with Dr. Shannon Yarosz? Simply contact: Mark D. Weinstein Executive Director of Public Relations Cedarville University mweinstein@cedarville.edu

Sun-Sentinel: What happens when parents go beyond sharenting?

So many parents routinely share photos and news about their kids on social media that the behavior has a name: sharenting. Usually harmless and well-meaning, it can also take a dangerous turn, exposing children to online predators, allowing companies to collect personal information and creating pathways for children to become victimized by identity theft. The risks are most pervasive when parents overshare to profit from their social media accounts. Whenever parents share, they are the gatekeepers, tasked with protecting their children’s information, but they are also the ones unlatching the gates. When parents profit from opening the gates, it is especially challenging to balance protecting their kids’ privacy against sharing their stories. Federal and state laws typically give wide deference to parents to raise their children as they see fit. But the state can and does intervene when parents abuse their children. Those laws protect children in the physical world. However, few laws shield children when parents risk harming them online. Let’s consider this hypothetical situation based on a composite of real-life events. Mia (fictional name) is a 7-year-old girl growing up in Orlando. Her mother is a stay-at-home parent who has a public Instagram account and considers herself an influencer. Many lingerie brands pay Mia’s mom to model their clothing. When a lingerie company from overseas offers Mia’s mom some money to have Mia also pose in their clothing, Mia’s mom says yes. Over the next few weeks, Mia and her mom model the clothing together in pictures and videos, sometimes wearing the outfits while reading together in bed, having pillow fights or being playful around the house — always in clearly intimate but arguably appropriate settings. Mia’s mom’s social media page explodes with new followers, many of whom appear to be grown men. The images on the page receive hundreds of likes and multiple comments. Mia’s mom deletes the most inappropriate comments but leaves others, hoping to increase engagement. As Mia’s mom’s social media following grows, so does the amount of money she earns. Mia tells her teacher about the social media page. Her teacher reaches out to Mia’s parents, to no avail. Mia’s mom keeps sharing. The teacher sees this as a potential form of abuse and neglect and, according to her obligation as a mandatory reporter of abuse, she calls in a report to the state’s central abuse registry. The teacher isn’t trying to get Mia’s mom in criminal trouble, but she thinks the family could use some education surrounding safe social media use and possibly access to financial support if they need this type of online exposure to pay the bills. The intake counselor declines to accept the hotline call. The counselor explains that the posting of pictures is not grounds for an abuse, abandonment or neglect investigation. The parent is sharenting, the counselor says, and that is within a parent’s right. Of course, child sexual abuse material is illegal, but the photos posted by Mia’s mom fall into a gray area — not illegal material, but likely harmful to Mia. Should there be a law to stop this? I believe there should be. Just as our views regarding child abuse have evolved, so must our views on sharenting. Merely 150 years ago, it was legal for parents to beat their children. It wasn’t until 1874, when a little girl named Mary Ellen was beaten severely by her caregiver, that courts began to step in. Drawing from existing laws prohibiting animal cruelty, the Society for the Prevention of Cruelty to Animals argued that Mary Ellen had the right to be free from abuse. At the time, there were laws protecting animals from harm by their caregivers but no laws protecting children from such harm! Back to the present: Mia’s disclosure to her teacher could have changed her life and led to her family getting online safety help, if only the child welfare laws were suitably tailored to protect her in the online world as they attempt to do offline. Child protection laws should be expanded to include harms that can be caused by online sharing. The law can both protect parental autonomy and honor children’s privacy through a comprehensive and multidisciplinary new approach toward protecting children online — one that allows for thoughtful investigation, education, remediation and prosecution of parents who use social media in ways that are significantly harmful to their children. This conduct, which falls beyond sharenting, is ripe for legal interventions that reset the balance between a parent’s right to share and a child’s right to online privacy and safety. Stacey Steinberg grew up in West Palm Beach and now lives in Gainesville, where she is a professor at the University of Florida Levin College of Law; the supervising attorney for the Gator TeamChild Juvenile Law Clinic; the director of the Center on Children and Families; and the author of “Beyond Sharenting,” forthcoming in the Southern California Law Review. This piece was also published in the South Florida Sun-Sentinel.

ExpertSpotlight: Why Hangovers Hurt (and Why Almost Everyone Gets Them Wrong)

The hangover is the ultimate party plot twist: a night of celebration followed by a morning of regret. Headache, nausea, fatigue, brain fog, these aren’t random punishments for having fun. They’re your body’s way of saying it’s been busy processing alcohol, which acts as a diuretic (hello dehydration), irritates the stomach lining, disrupts sleep, and triggers inflammation. Even “just a few drinks” can tip that balance, especially when sleep is short and water is scarce. One of the biggest myths is that hangovers are all about dehydration. Water helps, but it’s only part of the story. Alcohol breaks down into acetaldehyde, a toxic byproduct that contributes to headaches and nausea. It also messes with blood sugar, expands blood vessels, and fragments REM sleep, which is why you can wake up exhausted even after eight hours in bed. Darker drinks often get blamed too; while congeners (chemical byproducts in darker alcohols) can make symptoms worse for some people, quantity and timing usually matter more than color. Then there’s the cure-all folklore: greasy breakfasts, hair of the dog, miracle supplements. Some comfort foods can help stabilize blood sugar, and anti-inflammatory foods may take the edge off, but no remedy truly “cures” a hangover once it’s underway. Time, hydration, light food, and rest remain the most reliable fixes. Prevention, of course, is king: pacing drinks, alternating with water, eating beforehand, and prioritizing sleep do far more than any next-morning hack. Journalists covering health, lifestyle, or New Year’s recovery stories: connect with experts who can explain the real science behind hangovers, what actually works, what’s wishful thinking, and how our bodies respond to alcohol. Whether you’re debunking myths or offering evidence-based tips, expert insight can turn morning-after misery into a smarter story. Find your expert here: www.expertfile.com

From Libraries to Heart Health: Marlo Vernon Takes Cardiovascular Care Into Rural Georgia

Marlo Vernon, PhD, associate professor in the Department of Health Management, Economics, and Policy at Augusta University’s School of Public Health, is leading a creative public health initiative designed to improve cardiovascular monitoring in rural Georgia. Through the university’s Rural Obese At-Risk initiative, Vernon and her team are placing blood pressure monitors in local libraries, allowing residents to check them out just like books. The effort addresses a critical access gap in rural communities where preventive health tools are often limited or difficult to obtain. Vernon’s work focuses on the realities facing communities in the South’s so-called Stroke Belt, where overlapping health conditions significantly elevate cardiovascular risk. View her profile “There are significant chronic disease risk factors in this so-called Stroke Belt. We’ve got high obesity rates. We have family history. We have high rates of diabetes and kidney disease and they all kind of feed into each other to really create this cardiovascular health need in our communities. And women, in general, are just at a higher risk for this,” said Marlo Vernon, PhD. Beyond equipment access, Vernon’s research also examines how people understand and manage their health when traditional care options are limited. The library-based model helps normalize blood pressure monitoring while reducing barriers such as travel distance, cost, and limited clinic availability. It also creates opportunities to study how community-based solutions can improve awareness, engagement, and long-term cardiovascular outcomes. For journalists covering rural health, women’s health, chronic disease prevention, or innovative public-health strategies, Vernon offers grounded, real-world insight into how trusted community spaces can play a vital role in addressing persistent health disparities. A full article on this topic is available below.  To arrange an interview with Dr. Vernon simply click on her iconnow  to set up a time to talk today.

UF professor to expand proven disease-prediction dashboard to monitor Gulf threats

After deploying life-saving cholera-prediction systems in Africa and Asia, a University of Florida researcher is turning his attention to the pathogen-plagued waters off Florida’s Gulf Coast. In the fight to end cholera deaths by 2030 – a goal set by the World Health Organization – UF researcher and professor Antar Jutla, Ph.D., has deployed his Cholera Risk Dashboard in about 20 countries, most recently in Kenya. Using NASA and NOAA satellite images and artificial intelligence algorithms, the dashboard is an interactive web interface that pinpoints areas ripe for thriving cholera bacteria. It can predict cholera risk four weeks out, allowing early and proactive humanitarian efforts, medical preparation and health warnings. Cholera is a bacterial disease spread through contaminated food and water; it causes severe intestinal issues and can be fatal if untreated. The US Centers for Disease Control reports between 21,000 and 143,000 cholera deaths each year globally. Make no mistake, the Cholera Risk Dashboard saves lives, existing users contend. His team now wants to set up a similar pathogen-monitoring and disease-prediction system for pathogenic bacteria in the warm, pathogen-fertile waters of the Gulf of America. “Its timeliness, its predictiveness and its ease of access to the right data is a game changer in responding to outbreaks and preventing potentially catastrophic occurrences.” - Linet Kwamboka Nyang’au, a senior program manager for Global Partnership for Sustainable Development Data Closer to home Jutla is seeking funding to develop a pathogen-prediction model to identify dangerous bacteria in the Gulf to warn people – particularly rescue workers – to use protective gear or avoid contaminated areas. He envisions post-hurricane systems for the Gulf that will help the U.S. Navy/Coast Guard and other rescue workers make informed health decisions before entering the water. And he wants UF to be at the forefront of this technology. “If we have enough resources, I think within a year we should have a prototype ready for the Gulf,” said Jutla, an associate professor with UF’s Engineering School Sustainable Infrastructure and Environment. “We want to build that expertise here at UF for the entire Gulf of America.” Jutla and his co-investigators have applied for a five-year, $4 million NOAA RESTORE grant to study pathogens known as vibrios off Florida’s West Coast and develop the Vibrio Warning System. These vibrios in the Gulf can cause diarrhea, stomach cramps, nausea, vomiting, fever and chills. One alarming example is Vibrio vulnificus, commonly known as flesh-eating bacteria, a bacterium that often leads to amputations or death. The Centers for Disease Control and Prevention (CDC) has reported increases in vibrio infections in the Gulf region, particularly from 2000 to 2018. The warm and ecologically sensitive Gulf waters provide a thriving habitat for harmful pathogens. “The grant builds directly on the success of our cholera-prediction system," Jutla noted. "By integrating AI technologies into public health decision-making, we would not only lead the nation but also become self-reliant in understanding the movement of environmentally sensitive pathogens, positioning ourselves as global leaders.” Learning from preparing early Jutla’s dashboards are critical tools for global health and humanitarian officials, said Linet Kwamboka Nyang’au, a senior program manager for Global Partnership for Sustainable Development Data. “Its timeliness, its predictiveness and its ease of access to the right data is a game changer in responding to outbreaks and preventing potentially catastrophic occurrences,” Kwamboka Nyang’au said. Over the last few years, Jutla and several health/government leaders have been working to deploy the cholera-predictive dashboard. “Our partnership with UF, the government of Kenya and others on the cholera dashboard is a life-saving mission for high-risk, extremely vulnerable populations in Africa. By predicting potential cholera outbreaks and coordinating multi-stakeholder interventions, we are enabling swift action and empowering local governments and communities to prevent crises before they unfold,” said Davis Adieno, senior director of programs for the Global Partnership for Sustainable Development Data. The early warnings for waterborne pathogens also allows the United Nations time to issue early assistance to residents in the outbreak’s path, said Juan Chaves-Gonzalez, a program advisor with the United Nations’ Office for the Coordination of Humanitarian Affairs. “There are several things we do with the money ahead of time. We provide hygiene kits. We repair and protect water sources. We start chlorination, we set up hand-washing stations, train and deploy rapid-response teams. At the community level, we try to inject funding to procure rapid-diagnostic tests,” he said. “We identify those very, very specific barriers and put money in organizations’ hands in advance to remove those barriers.” Eyes on the Gulf In the United States, hurricanes stir up vibrios in the Gulf, posing a high risk of infection for humans in the water. There has been a nearly 200% increase in these cases over the last 20 years in the U.S., according to the CDC. “After Hurricane Ian, we saw a very heavy presence of these vibrios in Sarasota Bay and the Charlotte Bay region. Not only that, but they were showing signs of antibiotic-resistance. Last year, we had one of the largest number of cases of vibriosis in the history of Florida,” Jutla said. Samples from 2024 hurricanes Helene and Milton are being analyzed with AI and complex bioinformatics algorithms. “If there is a risky operation by rescue personnel, not using personal protective equipment, then we would want them to know there is a significant concentration of these bacteria in the water,” Jutla said. “As an example, Navy divers operating in contaminated waters are at risk of infections from vibrios and other enteric pathogens, which can cause severe gastrointestinal and wound infections.” Safety and economics “Exposure to vibrios and other enteric pathogens,” Jutla added, “can disrupt economic activities, particularly in coastal regions that are dependent on tourism and fishing. And vibrios may be considered potential bioterrorism agents due to their ability to cause widespread illness and panic.” In developing the Vibrio Warning System, Jutla noted, he and his team want to significantly enhance public health safety and preparedness along the Gulf Coast. By leveraging advanced AI technologies, satellite datasets and predictive modeling, they plan to mitigate the risks posed by environmentally sensitive pathogenic bacteria, ensuring timely interventions and safeguarding human health and economic activities. “Hospital systems and healthcare providers in the Gulf region will have a tool for anticipatory decision making on where and when to anticipate illness from these environmentally sensitive vibrios, and issue a potential warning to the general public,” he said. “With the potential to become a leader in environmental pathogen prediction, UF stands at the forefront of this critical research, poised to make a lasting impact on local, regional, national and global health and safety.”

With the MOMitor™ app, Florida mothers have better maternal care right at their fingertips

A program spearheaded by University of Florida physicians recently expanded to improve care for new mothers throughout the state, using tools they have right at home. Five years ago, a team of obstetricians and researchers at the UF College of Medicine launched MOMitor™, a smartphone app that allows new mothers to answer health screening questions and check vitals like blood pressure in the comfort of their own homes, using tools given to them by their health care providers. Depending on the data, the clinical team can then follow up with patients as needed for further medical intervention. Now, the app is expanding beyond North Central Florida — where nearly 4,400 mothers have participated in the program — to other areas in the state. Clinicians are also teaming up with data scientists at the College of Medicine who are using artificial intelligence to study data and identify trends that can lead to more personalized care. Program expansion Thanks to funding from the Florida Department of Health to support the state’s Telehealth Maternity Care Program, MOMitor™ has recently expanded for use in Citrus, Hernando, Sumter, Flagler, Volusia, Martin, St. Lucie and Okeechobee counties, said Kay Roussos-Ross, M.D. ’02, MPAS ’98, a UF professor of obstetrics/gynecology and psychiatry who is leading the program. “The Florida Legislature was really motivated and interested in improving maternal morbidity and mortality, and through this program we’re touching additional parts of the state and helping patients beyond North Central Florida,” she said. Maternal mortality is a serious concern in the United States, with more than 18 deaths recorded per 100,000 births in 2023, according to the latest data available from the U.S. Centers for Disease Control and Prevention. This is a much higher rate than most other developed countries, Roussos-Ross said. Common factors that may lead to maternal mortality, which is measured from pregnancy through the first year after giving birth, include infection, mental health conditions, cardiovascular conditions and endocrine disorders. Many of these complications can go unnoticed or unmonitored, particularly if at-risk mothers are not reporting complications to clinicians. A 2025 study published in the Journal of the American Medical Association shows that up to 40% of women do not attend postpartum visits. “By leveraging AI, we have the opportunity to target moms and moms-to-be who might be at greater risk of complications ... and encourage them to participate in the program to mitigate these.” — Tanja Magoc, Ph.D. “Whereas we’re used to seeing patients pretty routinely during pregnancy, after delivery visits quickly drop off and some women don’t make it back for postpartum care, so we may not have an opportunity to continue supporting them,” Roussos-Ross said. “This can often be because of barriers such as housing, transportation or food insecurity. We offer referrals to help with some of these services.” With MOMitor™, patients can let their clinician know how they are recovering without visiting the clinic, improving access to care in situations where that is not always an easy option for new mothers. “It’s a way to be proactive,” Roussos-Ross said. “Instead of waiting for a patient to come to us when they haven’t been doing well for a while, we connect with them through the app and follow up when they initially begin not doing well, so we can address concerns more quickly.” Studying data to personalize care Roussos-Ross’ team is collaborating with data scientists from the College of Medicine’s Quality and Patient Safety initiative, or QPSi, to determine how AI can assist in finding ways to further improve processes. “By leveraging AI, we have the opportunity to target moms and moms-to-be who might be at greater risk of complications, such as developing postpartum depression or hypertension, and encourage them to participate in the program to mitigate these complications,” said Tanja Magoc, Ph.D., the associate director of QPSi’s Artificial Intelligence/Quality Improvement Program. David Hall, Ph.D., a QPSi data scientist, said his team is working alongside the clinical team to analyze data that can be used to create recommendations for patients. “Everything we do comes from information supported in the patients’ charts,” Hall said. “We also make sure the data upholds compliance standards and protects patients’ privacy.” “We’re interested in finding out what areas might be hot spots and determining what makes them this way, so we can ... better identify areas where there may be high-risk patients and provide interventions to those who need it most.” — David Hall, Ph.D. The teams aim to intervene before patients encounter postpartum complications, addressing potential issues before they become significant problems. After taking into account a patient’s personal and family medical history, the team looks at information such as geolocation, drilling down to areas much smaller than the ZIP code level in order to find points of potential concern. “We’re interested in finding out what areas might be hot spots and determining what makes them this way, so we can study these patterns throughout the state and better identify areas where there may be high-risk patients and provide interventions to those who need it most,” Hall said. Roussos-Ross said she is proud of the work her team has done to improve patient outcomes through the program so far and is excited to empower more patients. “Every year, the participants give us recommendations on how to improve the app, which we love. But they also say, ‘This is so great. It helped me think about myself and not just my baby. It helped me learn about taking care of my own health. It made me remember I’m important too, and it’s not just about the baby,’” Roussos-Ross said. “And that is so gratifying, because women are willing to do anything to ensure the health of their baby, sometimes at the expense of their own care. This is a way for us to let them know they are still important, and we care about their health as well.”

UF team develops AI tool to make genetic research more comprehensive

University of Florida researchers are addressing a critical gap in medical genetic research — ensuring it better represents and benefits people of all backgrounds. Their work, led by Kiley Graim, Ph.D., an assistant professor in the Department of Computer & Information Science & Engineering, focuses on improving human health by addressing "ancestral bias" in genetic data, a problem that arises when most research is based on data from a single ancestral group. This bias limits advancements in precision medicine, Graim said, and leaves large portions of the global population underserved when it comes to disease treatment and prevention. To solve this, the team developed PhyloFrame, a machine-learning tool that uses artificial intelligence to account for ancestral diversity in genetic data. With funding support from the National Institutes of Health, the goal is to improve how diseases are predicted, diagnosed, and treated for everyone, regardless of their ancestry. A paper describing the PhyloFrame method and how it showed marked improvements in precision medicine outcomes was published Monday in Nature Communications. Graim, a member of the UF Health Cancer Center, said her inspiration to focus on ancestral bias in genomic data evolved from a conversation with a doctor who was frustrated by a study's limited relevance to his diverse patient population. This encounter led her to explore how AI could help bridge the gap in genetic research. “If our training data doesn’t match our real-world data, we have ways to deal with that using machine learning. They’re not perfect, but they can do a lot to address the issue.” —Kiley Graim, Ph.D., an assistant professor in the Department of Computer & Information Science & Engineering and a member of the UF Health Cancer Center “I thought to myself, ‘I can fix that problem,’” said Graim, whose research centers around machine learning and precision medicine and who is trained in population genomics. “If our training data doesn’t match our real-world data, we have ways to deal with that using machine learning. They’re not perfect, but they can do a lot to address the issue.” By leveraging data from population genomics database gnomAD, PhyloFrame integrates massive databases of healthy human genomes with the smaller datasets specific to diseases used to train precision medicine models. The models it creates are better equipped to handle diverse genetic backgrounds. For example, it can predict the differences between subtypes of diseases like breast cancer and suggest the best treatment for each patient, regardless of patient ancestry. Processing such massive amounts of data is no small feat. The team uses UF’s HiPerGator, one of the most powerful supercomputers in the country, to analyze genomic information from millions of people. For each person, that means processing 3 billion base pairs of DNA. “I didn’t think it would work as well as it did,” said Graim, noting that her doctoral student, Leslie Smith, contributed significantly to the study. “What started as a small project using a simple model to demonstrate the impact of incorporating population genomics data has evolved into securing funds to develop more sophisticated models and to refine how populations are defined.” What sets PhyloFrame apart is its ability to ensure predictions remain accurate across populations by considering genetic differences linked to ancestry. This is crucial because most current models are built using data that does not fully represent the world’s population. Much of the existing data comes from research hospitals and patients who trust the health care system. This means populations in small towns or those who distrust medical systems are often left out, making it harder to develop treatments that work well for everyone. She also estimated 97% of the sequenced samples are from people of European ancestry, due, largely, to national and state level funding and priorities, but also due to socioeconomic factors that snowball at different levels – insurance impacts whether people get treated, for example, which impacts how likely they are to be sequenced. “Some other countries, notably China and Japan, have recently been trying to close this gap, and so there is more data from these countries than there had been previously but still nothing like the European data," she said. “Poorer populations are generally excluded entirely.” Thus, diversity in training data is essential, Graim said. "We want these models to work for any patient, not just the ones in our studies," she said. “Having diverse training data makes models better for Europeans, too. Having the population genomics data helps prevent models from overfitting, which means that they'll work better for everyone, including Europeans.” Graim believes tools like PhyloFrame will eventually be used in the clinical setting, replacing traditional models to develop treatment plans tailored to individuals based on their genetic makeup. The team’s next steps include refining PhyloFrame and expanding its applications to more diseases. “My dream is to help advance precision medicine through this kind of machine learning method, so people can get diagnosed early and are treated with what works specifically for them and with the fewest side effects,” she said. “Getting the right treatment to the right person at the right time is what we’re striving for.” Graim’s project received funding from the UF College of Medicine Office of Research’s AI2 Datathon grant award, which is designed to help researchers and clinicians harness AI tools to improve human health.

Tinsel, Tears, and Turkey: How Seniors Really Feel About the Holidays

Ah, the holidays. That magical season when cinnamon fills the air, grandkids are glued to their phones, and you're wondering if it's too early to spike the eggnog. (Answer: it's 5 o'clock somewhere, and that somewhere is your kitchen.) For many older adults, the season is a cocktail of nostalgia, joy, and melancholy—served in a glass rimmed with memories of when the house was full, and the turkey wasn't store-bought. Dealing With The Ghosts of Christmas Past The holidays used to mean full houses, laughter echoing off the walls, and more food than a Costco freezer aisle. Now? Smaller gatherings, missing faces, and a nagging feeling that you're somehow in the way at your own celebration. There's a certain ache that comes with the holidays as we age. It's not just arthritis—it's memory. The people who made our holidays special might no longer be around, and while their photos still grace the mantle, their absence can hit harder than a fruitcake to the forehead. It's the quiet that gets you. The stillness of a home that used to hum with chaos. The microwave hums where the oven once sang. The Christmas card list has ghosted us—literally—replaced by e-cards that can't be hung on the fridge or hugged. And yet, despite the ache, many seniors keep the traditions alive. They polish the silver, bake the cookies, and set the table—because ritual matters. It's a way to say, I'm still here, and this still matters. Loneliness: The Fear No One Talks About Let's name the holiday elephant in the room. Yes, it turns out that one really is the loneliest number. It's that heavy feeling that sneaks in right around the time commercials start showing perfect families in matching pajamas (who, let's be honest, probably fought about those pajamas in the parking lot). The numbers tell a sobering story: A report by the National Institute on Ageing, finds that as many as 41 per cent of Canadians aged 50 years and older are at risk of social isolation and up to 58 per cent have experienced loneliness before. The holidays often bring additional pressure for many.  It's important to note, you don't have to live alone to feel lonely.  Seniors often fear being forgotten—left out of the group chat, the dinner invite, or even the conversation at dinner. Some feel like a burden, convinced their presence is more "obligation" than "invitation." That fear of irrelevance can creep up faster than fruitcake at a church bake sale. The internal dialogue doesn't help: "They're busy." "They have their own lives." "I don't want to be a bother." But here's the truth: you're not a bother. You're the keeper of stories, the family's living archive, and—let's face it—the only one who actually knows how to carve a turkey without creating a crime scene. The health stakes are real: According to a 2023 research report from the U.S. Surgeon General, loneliness and social isolation have a profound effect on mortality, equal to smoking 15 cigarettes per day. That’s more impact than obesity or sedentary lifestyles. It's associated with increased risk of heart disease, stroke, dementia, depression, and anxiety. This isn't just about feeling blue; it's about actual health outcomes. When Depression Wears a Santa Hat Holiday depression doesn't always look like tears and tissues. Sometimes it's withdrawing from events, skipping meals, or not bothering to decorate. It's saying "I'm fine" with a smile that doesn't reach your eyes. A prominent research study of seniors in the UK over a 12-year period published in The Lancet,  confirms what many seniors experience: loneliness is a significant predictor of depression in older adults. The study found that higher loneliness scores were consistently associated with increased depression severity. The relationship works both ways—people with mental health conditions are more than twice as likely to experience loneliness. It can also show up physically—fatigue, poor sleep, or that vague feeling that something's just... off. The sparkle of the season fades under the weight of grief, change, or just the exhausting pressure to be merry when you're not feeling it. A few sad moments are natural. We all get a little misty when "White Christmas" plays for the 47th time. But if the blues linger past Boxing Day, it might be time for a gentle check-in—with a friend, a doctor, or someone who actually listens (not just nods while scrolling). Remember: asking for help isn't a weakness. It's wisdom. And honestly? It's badass. The Magic of Rituals and Traditions For seniors, traditions aren't just habits—they're anchors. The same decorations, the favorite songs, the "don't touch that, it's Grandma's angel" moment that happens every. Single. Year. Research shows that rituals and traditions provide crucial psychological benefits for older adults, including a sense of stability, purpose, and belonging. They offer structure and comfort during challenging times, helping seniors feel grounded and connected to their roots. Studies have found that maintaining traditions contributes to overall mental well-being and can even reduce symptoms of anxiety and depression.  These rituals offer stability in a world that keeps changing at warp speed (seriously, when did voice-activated ornaments become a thing?). But when traditions fade—when no one asks for the shortbread recipe or the ornaments stay boxed—it can feel like being erased in real time. So here's the trick: Evolve the traditions. Pass the torch, not the guilt. Let the grandkids lead carols (even if they insist on adding Mariah Carey). Use the good china. Pull out the silverware stored in the wooden case under the china cabinet that hasn't been opened since 1987. Keep the spirit alive, even if it looks different now. How Seniors Can Create a Joyful Holiday (Yes, Really!) Reach Out First: Don't wait for others to make the first move. Call, text, or—even better—show up with cookies. People are often grateful for the invitation but also afraid to impose. Be the one who breaks the ice. Host a Mini Gathering: Even if it's just tea with a neighbor, connection is the best seasoning of all. Bonus: smaller gatherings mean less cleanup and more actual conversation. Volunteer: Nothing lifts the spirit like helping someone else. Food banks, shelters, and local schools welcome extra hands. Plus, it's a great reminder that you're still needed—and you are. Laugh on Purpose: Watch old comedies. Tell those same stories (again). Laughter really is medicine—no prescription, no co-pay required. Decorate Anyway: Even if no one's visiting, do it for you. Light up your space, and your mood might just follow. And if the neighbors think you're overdoing it? Even better. What Families Can Do (Besides Show Up Hungry) Here's your holiday homework, families: Visit More, Scroll Less. You can't hug over FaceTime. And honestly, Grandma's WiFi probably can't handle it anyway. Listen Like It's a Gift. Because it is. Let seniors share their stories without rushing them or checking your phone. They're not just repeating themselves—they're reliving joy. (And yes, you've heard it before. Listen again.) Include Them in the Chaos. Let Grandma wrap presents, Grandpa set the playlist, or Aunt Sue take charge of... okay, maybe not the gravy. But give them a role. Purpose is the best present. Check In Regularly. A quick "thinking of you" text can mean more than an expensive gift. Though, to be fair, both are nice. Respect Their Pace. Big gatherings can be overwhelming. Sometimes small and meaningful beats loud and crowded. Not everyone wants to do the Macarena at Christmas dinner. (Looking at you, Uncle Bob.) Remember: the greatest present you can give an older adult is presence—yours. The Importance of Joy (and How to Find It Again) Joy doesn't always come in grand gestures. Sometimes it's hiding in the small stuff: • The smell of pine needles • The first snowflake (before it turns into gray slush) • That old ornament you swore you'd throw out • The laughter of family—even if it's at your expense Joy isn't found lying around like loose change. It's made. Sometimes it's coaxed out with a memory, a song, or a well-timed bad joke about Aunt Sue's lumpy gravy. And if all else fails, remember this: you've survived decades of holidays. Burnt turkeys. Broken ornaments. That unfortunate incident with the glue gun in 2003. You've earned the right to laugh through the tears and dance in your slippers if you damn well feel like it. The Real Gift The holidays remind us that connection—not perfection—is the true magic. For seniors, it's about being seen, heard, and loved. For families, it's about showing up, listening, and laughing together. Because one day, those elders' stories will become yours. And you'll want someone to care enough to hear them, too. So let's make this season count. Let's call more, visit more, and laugh more. Let's honor the past while making new memories. And let's remember that the best traditions aren't the ones that stay the same—they're the ones that adapt, evolve, and keep bringing us together. Now pass the eggnog. The spiked kind. Let's All Sit Under the Mistletoe and Sing the Retired Remix of "Jingle Bells" (To the tune of "Jingle Bells") Dashing through the snow, With a walker all in tow, To the mall we go, Moving nice and slow! Family's out of sight, Texting through the night, Oh, what fun it is to Zoom My grandkids once a night—hey! Chorus: Jingle bells, jingle bells, jingle all the way, Oh, what fun it is to chat With friends who won't delay—hey! Jingle bells, jingle bells, laughter saves the day, Lonely hearts can still feel joy— If love just finds a way. Happy holidays, everyone. May your turkey be moist, your family be present, and your eggnog be strong. Want more insights like this? Subscribe to my free newsletter here, where I share practical strategies, real-world stories, and straight talk about navigating retirement with confidence—not confusion. Plus, all subscribers get exclusive early access to advance chapters from my upcoming book. For Canadians 55+: Get actionable advice on making your home equity work for you, understanding your options, and living retirement on your terms. For Mortgage Brokers and Financial Professionals: Learn how to become the trusted advisor your 55+ clients—it's your opportunity to build lasting relationships in Canada's fastest-growing demographic. Sue Don’t Retire…Re-Wire! References & Resources for You or a Loved One On Loneliness and Social Isolation: • U.S. Surgeon General. (2023). Our Epidemic of Loneliness and Isolation: The U.S. Surgeon General's Advisory on the Healing Effects of Social Connection and Community. https://www.hhs.gov/sites/default/files/surgeon-general-social-connection-advisory.pdf • Medicare FAQ. (2024). Loneliness in Seniors Statistics: Combating Social Isolation. https://www.medicarefaq.com/blog/senior-loneliness-statistics/ • Mayo Clinic. (2023). Loneliness and Social Isolation Through the Holidays. https://newsnetwork.mayoclinic.org/discussion/loneliness-and-social-isolation-through-the-holidays/ On Depression and Mental Health: • Kok, R.M., & Reynolds, C.F. (2020). The association between loneliness and depressive symptoms among adults aged 50 years and older: A 12-year population-based cohort study. The Lancet Psychiatry. https://www.thelancet.com/journals/lanpsy/article/PIIS2215-0366(20)30383-7/fulltext • Cigna. (2021). The Loneliness Epidemic Persists: A Post-Pandemic Look at the State of Loneliness Among U.S. Adults. On Traditions and Rituals: • Oregon Counseling. Why Traditions Matter to Mental Health. https://oregoncounseling.com/article/why-traditions-matter-to-mental-health/ • Care365. Maintaining Traditions with Seniors. https://www.care365.care/resources/maintaining-traditions-with-seniors Additional Support: • National Council on Aging. Four Steps to Combat Loneliness in Seniors During the Holidays. https://www.ncoa.org/article/four-steps-to-combat-loneliness-in-seniors-during-the-holiday-and-beyond/ Emergency Services If the situation is urgent or someone is in immediate danger: Call 911. Canada Suicide Prevention Service (CSPS) • Call: 1-833-456-4566 (available nationwide, 24/7) • Text: 45645 (evenings) • Chat: available at 988.ca