Lexington Oaks, in Wesley Chapel, hosted a parade, and Santa (also known as John Kostialik) and Frosty (Dustin Kostialik) joined in. Festivities included visits from a Pasco County fire truck, an ambulance and a marching band, too.

Serving Pasco since 1981/Serving Lutz since 1964
Ralph Sevelius learned early on that trustworthy financial advisors can really add value to their clients’ lives. This led him to become an advisor in 2007.
“As an independent advisor, I can provide much better service and value to my clients because I can run my business in a way that always serves my clients’ best interests,” says Sevelius.
Located in Tampa, Boardwalk Wealth Solutions offers financial planning, investment management, estate planning and tax planning to its clients all over the country.
According to LivingFacts.org, only 37% of non-retired Americans said in 2019 that their retirement savings were on track. Conversely, 44% of non-retirees said that their retirement savings are not on track, and the rest are not sure. In other words, at least 63% of non-retirees in the U.S. are not confident that their money will last as long as they do.
“Basically, I provide comprehensive wealth management and planning,” says Sevelius, “I help address and minimize risks in my clients’ lives and assist them in achieving their goals.”
Even though Sevelius is very diligent about how many clients he takes on, Boardwalk Wealth Solutions still offers free consultations to every potential client who is looking for guidance.
“If a person isn’t fit for me to take on as a client, I always make sure they are pointed in the right direction and give them resources that can help them at some point achieve their goals,” says Sevelius.
When first meeting with a potential client, Sevelius has them set and quantify their fundamental goals, while still reaching for their dreams.
This basic flight plan helps Sevelius get an idea of what the client wants to achieve financially in the future.
“My favorite part is seeing people achieving goals they thought they’d never achieve; that’s what it’s all about,” says Sevelius.
When creating each plan, Sevelius likes to figure out each client’s current situations, resources, how much they’ve saved, their income, etc. He makes sure to address their fears and goals so he knows what to avoid and what to achieve in the process.
It’s important to keep in mind that flight plans, or initial plans, are never set in stone because life has many variables to it.
“Your plan needs flexibility to make adjustments,” warns Sevelius.
The sooner you start taking the steps to achieving your dreams, the better.
“What makes me sad is when someone is ready to retire, but they have never sat down and made a plan. I end up having to be the one to break the news to them and let them know that it’s essentially too late. We end up having to make other goals and they, unfortunately, have to be a bit humbler with their goals. It makes me wish that I would have met them years ago, so we could have put them in a better position,” says Sevelius.
For more information on Boardwalk Wealth Solutions, go to BoardwalkWealthSolutions.com, or call 813-616-3770.
By Nicole Sanchez
Influenza is so common that sometimes the risk it poses is overlooked. But the truth is, the flu can cause serious illness that leads to hospitalization or even death – especially when the virus is coupled with a significant underlying health condition. Despite the availability of the flu vaccine, some still resist, in some cases falling prey to the misguided notion that the vaccine causes the flu. This is fiction.
“We’ve had influenza vaccines for many years, and the components have been refined and formulations are now safer than ever,” says William Russell, M.D., Managing Partner, Conviva Care Center® Palm Beach. “We continue to push hard to get flu vaccines into the arms of everyone, especially those in a high-risk category.”
Dr. Russell said scientists and doctors continue to learn more about the flu, including its effects on certain age groups. “If you look at the general population, those seniors 86 and above are at the greatest risk and need the vaccination the most,” he said. “COVID technology is relatively new, but the influenza technology has been refined over many, many years. It’s safe and effective and the best way to protect you and your family.”
The reason a person might think they are getting the flu following a flu shot is the natural response of the body’s immune system. “You don’t get the flu from a flu shot, and any symptoms are normally very mild,” said Dr. Russell.
Respiratory viruses can be devastating to older adults, but are largely preventable with immunizations that preserve a good quality of life. “It’s always good to talk to your primary care physician because they know science, and they know you,” said Dr. Russell. “They will help in the decision-making process of which flu vaccine works best for you based on dosage and formulation.”
In Palm Beach, well over 90 percent of at-risk seniors have been vaccinated against COVID-19. Now, well into flu season, Dr. Russell and his team remain on-message that people can receive a COVID-19 vaccination and a flu shot at the same time, without fear of complications or severe side effects.
“Make no mistake about it – Flu A and Flu B are always out there ready and waiting to pounce, so the best defense is to maintain your health by getting a flu shot,” says Dr. Russell. “It’s smart to protect yourself and your family. What we saw during the pandemic was, in many cases, people behaving with incredible responsibility, and we’re hopeful that same behavior carries over as we get further into flu season.”
At Conviva Care Center, the mission is one of service to its senior population. Fulfilling its mission requires living the values and delivering on the promises of doing whatever it takes to make sure patients age well. More than eight million seniors reside in Florida and caring for their unique needs is Conviva’s biggest priority.
Visit ConvivaCareCenters.com.
Here is a compilation of safety tips, from various sources, to help you enjoy a safe and festive holiday season:
Christmas Tree Fire Safety Tips
The National Fire Protection Association suggests these steps to reduce the risk of a Christmas tree fire in your home:
Shop safely
Tips from the Tampa Police Department:
Choosing toys, shopping online
Tips from the Consumer Product Safety Commission
When choosing toys:
When buying online:
Food safety tips
Whether you are having a holiday gathering, or not, it’s always a good idea to keep in mind the four steps of food safety, courtesy of the U.S. Department of Agriculture:
Published December 15, 2021
The Better Business Bureau (BBB) has released its Naughty List, with the top 12 scams of Christmas, along with tips for avoiding them.
These scams are frequently accomplished through email and social media sites, so be particularly careful when clicking into an email or onto a site.
Here’s the BBB’s naughty list:
In all of these versions, participants unwittingly share their personal information, along with those of their family members and friends, and are further tricked into buying and shipping gifts or money to unknown individuals. And it’s an illegal pyramid scheme.
If you have received an unsolicited email with gift card offers, do not open it. Instead, mark it as Spam or Junk. However, if you opened the email, do not click on any links.
For general information on how to avoid scams, visit BBB.org/AvoidScams. For more advice, read BBB’s tips on online shopping. If you’ve spotted an online scam, report it to BBB ScamTracker.
Published December 15, 2021
From a floating pirate ship light display in the Hillsborough River, to visits with Santa at the Clearwater Marine Aquarium, to ice skating rinks at the St. Pete Pier, Curtis Hixon Park and Tropicana Field — there seems to be something for everyone who wants to get out for some fun.
Here’s a sampling of highlights:

PASCO COUNTY
• Through Dec. 31: “Symphony in Lights,” at The Shops at Wiregrass, 28211 Paseo Drive, Wesley Chapel, features snowfalls, Christmas trees, and lights dancing to music. 6 p.m. to 9 p.m.; free. TheShopsAtWiregrass.com.
• Dec. 15: Holiday Movie Night in the Garden, with “Christmas Vacation” and an ugly Christmas sweater contest, at Florida Avenue Brewery, 2029 Arrowgrass Drive, Wesley Chapel. 7 p.m.; free. FloridaAveBrewing.com; 813-452-6333.
• Dec. 18: Mrs. Claus Craft Fair, at Harley-Davidson of New Port Richey, 5817 State Road 54, New Port Richey; noon to 4 p.m.; NPRharley.com; 888-296-4819.
• Dec. 21 to Dec. 23: Church Street Christmas, along Church Avenue in downtown Dade City. This features carolers, dancers and musicians, decorated homes, luminary-lit sidewalks and more. 7 p.m. to 9 p.m.; ChurchStreetChristmas.org for parking information.
• Daily: Ice skate and snow tube, play in a snow dome, even rent an igloo at Snowcat Ridge theme park, at 27839 Saint Joe Road, Dade City. The alpine snow park also features shopping, food and drinks. 9 a.m. to 10 p.m., or 11 p.m., depending on date. Tickets, $39.95, sold at SnowCatRidge.com. 813-576-1450.

HILLSBOROUGH COUNTY
• Through Dec. 23: 40th Annual Victorian Christmas Stroll, at the Henry B. Plant Museum, 401 W. Kennedy Blvd., Tampa, with Christmas past exhibits, tiny antique Christmas trees, vintage Santas, a 14-foot tree adorned with antique ornaments; holiday music, refreshments and more. 10 a.m. to 8 p.m. Advanced tickets required. Adults, $16, seniors, $14, youth, $10. Buy online at PlantMuseum.com; 813-254-1891. Masks required.
• Through Dec. 30: “Christmas in the Wild,” at ZooTampa, 1101 W. Sligh Ave., Tampa, features light displays, entertainment, and Twinkletown Marketplace with holiday treats and ornament displays. A red-and-white lit Candy Cane Carousel and Mrs. Claus’ Sweets Shoppe are other delights, along with Christmas treats and drinks for sale. Times vary per night. Reservations encouraged for timed tickets selling for $29.95, for ages 3 and older. Buy at ZooTampa.org; 813-935-8552.
• Through Jan. 2: Christmas Town at Busch Gardens, 10165 N. McKinley Drive, Tampa, features thousands of twinkling lights, holiday shows, Santa visits, ice skating and fireworks shows, music, food, and train rides under lights. Admission starting at $90 for adults. Nightly; BuschGardens.com; 813-884-4386.
• Through Jan. 2: The Polar Express 4-D Experience, at The Florida Aquarium, 701 Channelside Drive, Tampa. 9:30 a.m. to 5 p.m. On Dec. 18 and 19, from 11 a.m. to 3 p.m., kids can make socially distanced Santa visits. From Dec. 26 to Dec. 31, 9:30 a.m. to 8 p.m., and Jan. 1 to Jan. 2, 9:30 a.m. to 5 p.m., Snow Days features a Winter Wonderland Dance Party, interactive activities and times when visitors can throw snowballs at “pollution monsters plaguing our oceans.” Advance, timed tickets are encouraged and sold at FLaquarium.org. Prices vary by day but are generally about $30 for adults, $27 for ages 3-11, and free for ages 2 and younger. 813-273-4000.

• Through Jan. 2: Downtown Tampa’s Winter Village, at Curtis Hixon Waterfront Park, 600 N. Ashley Drive, offers ice skating, a cafe, shopping and holiday activities sponsored by the Tampa Bay Lightning. Hours vary by day. For details and ice skating tickets, see WinterVillageTampa.com.
• Dec. 18: Tampa Holiday Lighted Boat Parade along the Hillsborough River downtown. 6 p.m. to 10 p.m. See from The Tampa Riverwalk, lit up with Christmas lights and twinkling trees now through Jan. 2. Also, see floating light displays – think pirates and a pirate ship – in the river, buy drinks and food in restaurants and bars along the walk. For directions and parking information, see TheTampaRiverWalk.com.
• Dec. 18: Watch the Tampa Holiday Lighted Boat Parade aboard the American Victory Ship & Museum, 705 Channelside Drive, Tampa. Enjoy entertainment, spirits and eats from food trucks. 6:30 p.m. to 9 p.m. $15 for adults, $10 for kids 4-12, free for 3 and younger. AmericanVictory.org. 813-228-8766.
PINELLAS COUNTY
• Through Jan. 2: “Enchant Christmas,” at Tropicana Field, Tropicana Drive, St. Petersburg, features a Christmas light maze and village, an ice skating trail, thousands of lights, holiday treats and music, Santa, an artisan Christmas market and more. Adults, $25 to $35; ages 3 to 17, $25. Christmas brunches and dinners are an additional fee. Hours vary by date. See EnchantChristmas.com for details. 833-362-6445.
• Through Jan. 17: Winter Beach, at St. Pete Pier’s Spa Beach Park, 600 Second Ave., N.E., St. Petersburg, cools things down with a real-ice ice skating rink, Santa, an arcade, free holiday concerts, and a holiday market with local vendors and artists. Free admission. Skating fee, $17 for 75 minutes, which includes skate rentals. See WinterBeachStPete.com to purchase timed skating tickets and to view skating hours. The pier district is generally opened from 30 minutes before sunrise to 11 p.m.
• Dec. 16: Christmas Extravaganza Market, 612 Cleveland St., Clearwater, with 50 local artisans and businesses at pop-up shops circling a Christmas tree. 5 p.m. to 9 p.m. TheMarketCulture.com.
• Dec. 16 to Dec. 20: Christmas at the Station, at the Dunedin History Museum, 349 Main St., Dunedin, presents a North Pole Christmas experience with elves, visits with Santa, children’s activities, snow, snowball contests and musical performances. Hours vary by date. Tickets, $20, (free for age 1 and younger) must be purchased in advance online at DunedinMuseum.org. 727-736-1176.
• Dec. 18: Brunch with Santa at Clearwater Marine Aquarium, 249 Windward Passage, Clearwater, includes admission to the aquarium, brunch and a family photo with Santa. 11:30 a.m. to 1:30 p.m. $54.95 for adults, $44.95 for children. Reservations encouraged. Buy tickets online at CMaquarium.org. 727-441-1790.
By Karen Haymon Long
Published December 15, 2021




The U.S. Department of Agriculture (USDA) is accepting applications from agricultural producers and forest landowners from Florida for the Agricultural Conservation Easement Program.
The USDA’s Natural Resources Conservation Service accepts these applications year-round, but producers and landowners should apply by Dec. 31 to be considered for funding in the current cycle, according to a news release from the USDA.
The easement program provides financial and technical assistance to help conserve agricultural lands and wetlands, and their related benefits.
Under the Agricultural Land Easements component, the NRCS helps Indian tribes, state and local governments, and non-government organizations protect working agricultural lands and limit non-agricultural uses of the land.
Under the Wetlands Reserve Easements components, the NRCS helps restore, protect and enhance enrolled wetlands.
“This is a great opportunity to combat the climate crises and conserve Florida’s lands, biodiversity and natural resources, Juan Hernandez, the Florida State Conservationist for NRCS, said in the release.
The land easements protect the long-term viability of the nation’s food supply by preventing the conversion of productive working lands to other uses, and has other benefits, too.
The wetland reserve easements provide habitat for fish and wildlife, improve water quality by filing sediments and chemicals, reduce flood, recharge groundwater and have other benefits, according to the release.
To apply, contact the NRCS at your local USDA Service Center. To find your local service center, go to Farmers.gov.
Published December 15, 2021

The Pasco County Commission has selected board member Kathryn Starkey to be the board’s new chairwoman.
Board member Jack Mariano has been named vice chairman.
Starkey represents the commission’s District 3 seat; Mariano represents District 5.
Ron Oakley, the immediate past chairman, represents District 1; Mike Moore, represents District 2; and, Christina Fitzpatrick represents District 4.
In addition to reorganizing the board, the board also approved new district boundaries.
That exercise, known as redistricting, is done every 10 years, following the completion of the U.S. Census.
The idea is to have districts of roughly equal in terms of population size.
The new districts took effect on Dec. 7.
To see the districts and who represents you, visit bit.ly/CommissionDistricts.
Published December 15, 2021
If you believe everything you hear and read, you might think that gaining weight at the holidays is inevitable.
But that simply isn’t so.
A study reported in The New England Journal of Medicine found that, on average, the weight gain from Thanksgiving to New Year’s ranges from 1 pound to 3 pounds.
Of course, that varies from person to person, but whether it’s 1 pound or more — the downside is that you’re starting off the New Year on the wrong foot.
Plus, according to another study from the New England Journal of Medicine, while half of us seeking to lose holiday weight gain will do so quickly, others won’t return to our pre-holiday weight until May.
It’s also important to remember that the holiday food we consume isn’t the only thing that packs on the pounds.
What we drink matters, too.
As you are considering those calories from appetizers, meals and desserts, don’t forget to add up the calories you’re drinking, too.
For instance, those pumpkin spice lattes you ordered in October (and September and August) typically had 50 grams of sugar, and 390 calories for a 16-ounce cup.
You could have had an entire lunch for 390 calories — without the sugar.
Consider counting your holiday drink as your dessert, to avoid loading up on too much sugar.
Another small compromise? Skimp on the whipped cream, caramel, or chocolate sauces.
By Shari Bresin
Shari Bresin is the Family & Consumer Science agent for the University of Florida/Institute of Food and Agricultural Sciences Cooperative Extension Pasco County
RECIPES
Adult holiday beverages typically feature a splash of alcohol, but here are some festive drinks the whole family can enjoy.
Peppermint Floats (Get your candy canes ready)
This recipe from Kroger.com creates a drink that tastes like Christmas.
Ingredients:
Directions:
Yield: Six tall glasses
Apple Pie Milkshakes (Great way to use up leftover pie)
This recipe from Betty Crocker makes two servings.
Ingredients:
Directions:
Gingerbread Lattes (Who needs a fancy coffee shop; you can make your own)
This simple recipe comes from AARP.
Ingredients:
Directions:
Homemade Hot Cocoa Mix (Fewer ingredients, same great taste)
This recipe comes courtesy of University of Illinois Extension.
Ingredients:
Directions for mix:
Directions for hot cocoa:
Yield: Makes 25 8-ounce servings
Published December 15, 2021