Lately, scammers have gotten more sophisticated. So it’s worth reminding everyone that if you receive an unsolicited email, text, or phone call, DO NOT give out any of your personal information! Scammers often update their tactics, using any way they can to trick you into handing over your precious personal information.
Earlier this week, I received an email (see below) telling me I had successfully set up a mobile wallet using my bank account. Since I had not signed up for this service, I was tempted to call the phone number listed in the email to dispute it. I hesitated, and for good reason. If I had contacted them, they would have tried to get my personal identification information, and then used that information to steal my identity or bank funds. I called my bank directly and learned this scam was recently perpetrated against 40,000 debit card users.
Phishing emails and text messages often appear to be legitimate and from a company you know or trust (like my own bank). These phishing emails and text messages often describe a problem with your billing, to trick you into clicking on a link or an attachment.
REMEMBER, if you receive this kind of message, by email or text, do not click on any attachments or call the phone number that is listed.
The Federal Trade Commission’s (FTC) Consumer Information page offers these tips for consumers to recognize and avoid phishing scams. View their website for more information. https://www.consumer.ftc.gov/topics/privacy-identity-online-security.
- Protect your computer by using security software.
- Protect your mobile phone by setting software to update automatically
- Protect your accounts by using multi-factor authentication
- Protect your data by backing it up
Lesson learned? Protect yourself and don’t believe anything that doesn’t feel right!
For more information about protecting yourself and your finances, contact your local UF/IFAS Extension Agent.
Extension classes are open to everyone regardless of race, creed, color, religion, age, disability, sex, sexual orientation, marital status, national origin, political opinions or affiliations.
Photo Source: UF/IFAS Photo Database
Many confuse the two words climate and weather. Weather is the day to day conditions of our atmosphere. Whereas, climate refers to the average of the weather over time. Weather depicts how we dress day to day and can change often. Climate refers more to the average weather over time. We generally must prepare for our climate by buying appropriate clothing and preparing our home for longer term weather conditions.
What causes the climate to change? There are three important greenhouse gases that have dramatically increased since industrialization: carbon dioxide, nitrous oxide and methane. The increases are primarily due to our changes in land use over time. These factors make our earth’s surface temperature warmer which affects our loss of sea ice and longer fire seasons, and can contribute to extreme weather events.
Adjust the temperature
Photo Source: Julie McMillian
The question is, what can I do in my own world and community to help on an individual basis? There are several ways that we can reduce our energy use of electricity at home which will help us to contribute to the bigger picture. Some simple suggestions are when you are not using the television, computer, lights, heating and cooling, try to turn them off or down for a while. Purchasing shades or curtains for your windows can keep your house cooler in the summer and fans may be able to replace the air conditioner on some occasions. When running the air, heat or hot water heater check your thermostat for energy saving features. Try to only run the dishwasher or washing machine with full loads and be sure to clean out your lint trap in the dryer so it has good airflow. You will find you might even save a few dollars by being mindful of your energy consumption.
Next, let’s talk about reducing greenhouse gases in our yards. Composting food scraps is a great way to reduce waste from landfills and turns your waste into reusable soil. Planting trees and plants helps to reduce carbon dioxide in the atmosphere. Plants store carbon and help to regulate temperatures in the home. Another thing to consider is, where does your water run off go? If water can be routed to your garden it is a win-win.
How do we plan our food system in our home? Reducing food waste has many benefits. We can save money, help our community, conserve energy and resources just by rethinking the way we plan our meals. If we buy more unprocessed foods, there will be less packaging. If we are able to grow our own food or just eat at home more, it cuts down on trips to restaurants and stores.
These are just a few ways to get you thinking about climate change in Florida. As a citizen, we can take action by staying informed and showing our support. If we hold ourselves accountable by looking at our personal impact, we may be surprised what we are leaving behind with our footprint. For more information on healthy living or other extension related topics, contact your local UF IFAS county extension office.
Supporting information for this article can be found in the UF/IFAS Extension EDIS publications:
Science Support for Climate Change Adaptation in South Florida
Climate Change Adaptation: New Perspectives for Natural Resources Management and Conservation
Energy Efficient Homes
UF/IFAS Extension is an Equal Opportunity Institution.
The goal of National Healthcare Decision Day is to inspire Americans to communicate their end-of-life wishes about healthcare with their families and healthcare providers.
Although making healthcare decisions is often a difficult process, making decisions for others is even more complicated.
According to the 2018 Conversation Project national survey, Americans are becoming more comfortable talking to their loved ones about their end of life wishes. Over half (53%) of Americans say they would feel relieved if a loved one started “the Conversation.”
Start the family “conversation”
Photo Source: Laurie Osgood
Once you have initiated the conversation, experts recommend creating an advance care directive. Advance care directives are legal documents that are used to secure your decisions about end-of-life care, to avoid confusion and uncertainty later on. These legal documents can include a living will, health care proxy, health care power of attorney or instruction directive. Having an advance care directive in place will help make sure that your wishes about your health care are fulfilled, even if you are no longer able to communicate your wishes.
Don’t wait for “the right time” to talk with your family, everyone should plan for their future, before a crisis arises.
There are many tools and online resources that can help you and your family begin this important conversation.
To learn more about National Healthcare Decision Day and advance care directives. Visit NHDD.org.
The deadline for filing your federal income tax return is April 15, 2020. (Photo source: IRS.gov)
The IRS has identified a new version of a phishing email scam targeting tax professionals. The fake email states the preparer’s EFIN has been put on a temporarily hold and warns the EFIN will be suspended unless the preparers open an embedded document and confirm or deny that they submitted the Form 1040. The embedded “1040” document likely contains malware.
The IRS reminds all tax professionals that they are targets of cybercriminals seeking to steal client data or the practitioners’ identities. Thieves use many variations of phishing emails such as this. The fake emails are characterized by an urgent message (your EFIN will be suspended) and try to entice recipients to open a link or attachment. The IRS urges all tax professionals to be on alert and take security steps to protect their clients and their businesses. Review Publication 4557, Safeguarding Taxpayer Data, for how to be safer.
Some simple steps include:
- Using the multi-factor authentication option offered by tax software to protect accounts from unauthorized access.
- Use strong password protections on all devices.
- Never open suspicious emails, links and attachments may carry malware.
- Use strong security software and keep it updated.
For more information, please visit https://www.irs.gov/.
The deadline for filing your federal income tax return is April 15, 2020. (Photo source: IRS.gov)
The Internal Revenue Service has announced that they will begin accepting paper and electronic tax returns beginning January 27, 2020. The IRS encourages everyone to consider filing electronically and choosing direct deposit, as it is fast, accurate, and the best way to get your refund as quickly as possible.
Nonetheless, many software companies and tax professionals are accepting income tax return information now and promising instant refunds. KNOW that money being promised comes with a charge. As they say, there is NO free lunch, especially around tax time.
By law, the IRS cannot issue refunds for people claiming the Earned Income Tax Credit (EITC) or Additional Child Tax Credit (ACTC) before mid-February. The law requires the IRS to hold the entire refund − even the portion not associated with EITC or ACTC. This law change, which took effect in 2017, helps ensure that taxpayers receive the refund they are due by giving the IRS more time to detect and prevent fraud
The IRS also wants taxpayers to be aware it will take several days for these refunds to be released and processed through financial institutions. Factoring in weekends and the President’s Day holiday, the IRS cautions that many affected taxpayers may not have actual access to their income tax refunds until the end of February 2020.
The filing deadline to submit 2019 tax returns is Wednesday, April 15, 2020. Procrastinators can request a six-month extension to submit their returns (Form 4868), but you only have until midnight April 15, 2020 to pay taxes owed without penalty.
It is amazing to know that the IRS issues more than 9 out of 10 refunds in less than 21 days. Choosing e-file and direct deposit for refunds remains the fastest and safest way to file an accurate income tax return and receive a refund. However, it is possible your tax return may require additional review and take longer. Where’s My Refund? has the most up to date information available about your refund.
Your refund should only be deposited directly into accounts that are in your own name, your spouse’s name, or both if it is a joint account. No more than three electronic refunds can be deposited into a single financial account or pre-paid debit card. Taxpayers who exceed the limit will receive an IRS notice and a paper refund.
Whether you file electronically or on paper, direct deposit gives you safe access to your refund faster than a paper check.
Free Tax Return Prep for Qualifying Tax Payers (IRS)
What to Bring to Your Local VITA or TCE Site (IRS)
Make the pledge Tuesday, December 3rd to Dine In for better health – physical, social, and cultural.
Most of us eat every day without thinking about it. We need to eat to nourish our body, so it’s just a regular thing we do. But eating also can be an important social and cultural way for families to come together.
FCS Dine In Day
When we eat together as a family, it gives us the opportunity to practice cultural traditions and share food histories. We get the chance to explore new foods and learn new skills – like eating with chopsticks. We may get the chance to learn and practice table manners and learn literary and conversation skills. Paul Fieldhouse of the Vanier Institute of the Family says, “For young children, ‘table talk’ may be the main source of exposure to family conversation and the expression of thoughts, ideas, and emotions.” Eating the family meal also can help us de-stress by setting a reassuring rhythm and structure to our day.
Eating family meals at home has additional benefits. The University of Washington found that families who cook and eat more often at home tend to eat a healthier diet. Their Healthy Eating Index is high – meaning they eat more fruits and vegetables and less calories, sugar, and fat. They eat smaller portions helping to regulate weight. Some research suggests we eat smaller portions at home because we eat more slowly and talk more. This, however, does not equate to a higher cost. Meals cooked at home generally cost less than those eaten out.
So, how can your family eat more meals together at home?
- Try making and eating meals at home a priority for your family. Think about how important it is spending time together.
- Keep it simple. Don’t worry about making a big, fancy meal.
- Start with just a few meals a week. Then slowly add more meals together as you find your “family meal groove.”
- Let the whole family help plan meals. Think about foods your family likes and build around those ideas. Try to get all the MyPlate healthy food groups in – whole grains, plenty of fruits and vegetables of all colors, shapes, and textures, lean plant and animal proteins, and low- and no-fat dairy. Make your grocery list together.
- Let everyone be involved in planning, preparing, table setting, and cleaning up afterwards.
- Make it a goal to start this December 3rd to Dine In for better health.
(Still) Eating Together: The Culture of the Family Meal. Retrieved November 16, 2019 from https://vanierinstitute.ca/eating-culture-family-meal/
Cooking at Home Tonight? It’s Likely Cheaper and Healthier. Retrieved November 15, 2019 from https://www.sciencedaily.com/releases/2017/03/170314150926.htm