Tampa Bay News and Lifestyles. Odessa / Lutz / Land O' Lakes Vol. 13, Issue 2, February 2022. by Tampa Bay News & Lifestyles Magazine

Vol. 13, Issue 2, February 2022

Your community. Your magazine.

The Premier “Shop Local” Community Magazine Directly Mailed To 20,000 Homes In Odessa, Lutz & Land O’ Lakes Areas This Independent Community News, Business & Dining Guide Is Directly Mailed Once Each Month To:

Ashley Lakes, Ballantrae, Belle Meade, Calusa Trace, Canterbury, Cheval, Citrus Greens, Concord Station, Devonwood, Dolce Vita on Lake Keystone, Echo Lake, Farmington Village, Fern Glenn, Grey Hawk at Lake Polo, Heritage Harbor, Ivy Lake Estates, Keystone Groves, Keystone Manors, Keystone Reserve, Keystone Shores, Lake Charles, Lake Church, Lake Parker Estates, Lakeside Grove Estates, Northlake Village, Northbridge at Lake Pretty, Northton Groves, Oakstead, Orange Blossom Creek, Reflections, Steeple Chase, Starkey Ranch, Stillwater, Stonegate, Suncoast Crossings, Suncoast Meadows, Swan Cove, Van Dyke Estates, Van Dyke Farms, Villa Rosa, Wyndham Lakes

Rizzotto Wealth Management

As the 2021 tax return deadline approaches, it is a perfect time for those ages 55 or older to take advantage of a $99 fee to have their income taxes prepared with a company that is trusted for going the extra mile for its clients. Rizzotto Wealth Management extends their $99 flat-rate fee for federal returns (state returns are included if applicable) to Active & Retired Military, First Responders, Government Employees and Educators of any age. All tax returns are

prepared by one of the firm’s Senior Tax Preparers or IRS Enrolled Agents. If you don’t fit into one of the mentioned categories, give them a call to inquire about their special pricing. Through changing tax environments, it is crucial to work with a firm that is up to date on policy and can help you navigate through the stressful tax season ahead. At Rizzotto Wealth Management you will find a team of Investment, Insurance, Tax & Legal Experts. They have recently opened their doors in

a more spacious and upgraded office and are ready to serve all of your financial needs at their new location. They specialize in educating their clients on subjects such as: how to preserve your assets, how to diversify your portfolio

Start 2022 Off Right with Jazzercise Lutz! Can dancing, punching and lifting with a group instead of solo really help you go from “dreading it” to “feeling it” when it comes to exercising? Science points to plenty of benefits of group fitness classes. Here are just a few that might convince you to break a sweat with your squad—and may keep you from hitting snooze on your morning alarm!

See Jazzercise Lutz on page 20

Cut Out the Guesswork One of the biggest draws of group workout classes is that each class is led by an experienced and motivational instructor.

for growth and safety, and how to create more income for retirement while reducing your taxes. Rizzotto Wealth Management is committed to assisting their clients

See “Rizzotto” on page 18

INSIDE THIS ISSUE From the Editor........................5

SAT/ACT......................................8

Tech Talk.................................10

Grout Tech........................16-17

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Heartfelt Words For February February is full of history, romance, and heart-shaped everything. Oh yes, love is in the air! But so is COVID-19. A couple of years into the pandemic, the evidence is clear. The virus is transmitted predominantly through the air.

Celebrated every February since 1976, Black History Month’s theme for 2022 conveniently focuses on the importance of Black Health and Wellness. Health and Wellness include not only one’s physical body but also emotional and mental health.

Focusing on our health has never been more critical. And being that February is a month dedicated to affairs of the heart, let me get straight to the point. Heart disease is still the No.1 killer of Americans. And people with poor cardiovascular health are at increased risk of severe illness and death from COVID-19 and its variants.

I have learned in my 36 years of life, with several of them battling a couple of autoimmune diseases, that as long as you have good health and the love and support of your family, everything else that life throws you, you can endure.

Through my editorials, I like to encourage positive thinking and promote healthier ways of living, not just during the pandemic, but as a consistent part of our lives. The good news is that heart disease is preventable in most cases with smarter lifestyle choices. Some of them include: • Not smoking. • Maintaining a healthy weight. • Controlling blood sugar and cholesterol. • Treating high blood pressure. • Getting at least 20 minutes of moderate-intensity physical activity per day. • Getting regular health checkups.

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Please drink more water — This is a self-reminder and a reminder to all of my readers. Are you experiencing headaches or muscle cramping? You could be dehydrated. Most of us do not drink enough fluids—which is extremely important if we consider that the human body is made up of 60% water! So let’s stay hydrated in Tampa Bay! In the still overhanging shadows of this confusing pandemic, we should all do our part to share helpful resources and valuable information that can positively impact the overall health of our local community. Let’s continue to make wise and healthy choices for ourselves and our loved ones. Until next time,

Carla M. Dubis Tedeschi. FEBRUARY 2022 5

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SAT AND ACT IMPROVEMENT: LOOKING AHEAD

By Dr. Wayne Adams

Bright Futures Scholarships are always of high interest with my students and parents because they can represent about $18,000 to $25,000 during a four year period at a public university in Florida, and eligibility can help in negotiating the best college “deals” with both private and nonFlorida public universities out-of-state. At this time, there appear to be no changes in award levels and qualifications for either the 100% or 75% levels for 20222023. But significant possible changes are being discussed now in the Florida legislature, which controls the Bright Futures program. The most significant idea is to modify the program was recently voiced by Chris Sprowls who recently told reporters the state needs to focus on its workforce priorities, and that it’s up to students to choose their majors carefully. “We have to rethink how we subsidize every degree to the same degree,” he said. Possible options being discussed include fully funding as before majors in STEM, healthcare, and other majors, and only fully funding majors deemed not as worthwhile for the first two years. In other words, a computer science major would be fully funded, and a 16th Century Literature major only for the first two years. Part of my guides and booklets for each of my student’s and their families includes a guide to multiple websites where everyone can get an idea of the average net cost, normal graduation rate after 4 - 6 years, average starting salary after graduation, normal average income multiple years after graduation, and average college debt for most colleges and universities today. As a former Dean of a Graduate School of Business, I can attest that colleges and universities are a business … just with different names for things such as “profit” being “surplus”. The ultimate key to education is positive cash flow for the colleges and universities.

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All of my students and parents are well-aware that higher education is an investment, and needs to be evaluated in many ways including short and long term financial. This is always part of the first half hour of our first class as we get to know each other, and we discuss how the classes are designed to help my students and their families have their best possible futures … including doing their best on these exams. This is also why my Negotiating with Colleges and Universities Guide is so popular with my families. Not only is it often a surprise that you can negotiate, my families have saved from $1,000 to $10,000 a year in college costs by knowing many ways to nicely, effectively help negotiate the best educational deals. As we all move into spring, many SENIORS are working on bringing up their exam scores up to qualify for the 75% or the 100% Bright Futures Scholarship (about $25,000). We have until the last SAT Exam on Saturday, June 4th, to qualify with the SAT, and until the last ACT Exam on Saturday, June 11th, to qualify with the ACT. At this point, it is not unusual to do a “Skill Strengthening” class to improve either the Writing and Language / Reading combined score or the Math score on the SAT, or either the English and Reading combined score or the Math and Science combined score on the ACT. These focused classes are about half the hours of a full prep class. Sometimes, when we are aiming for more improvement, we do the full prep classes. My JUNIORS and some SOPHOMORES are usually focused on getting ahead with preparing for the SAT and/or ACT and either work over the spring, or get set to prepare starting right after school finishes for the ACT in mid-July and/or the SAT the last Saturday in August.

For students wanting to do a combination class of ACT and SAT, we can finish either the week just before school resumes in August (with a complementary, additional review class the week before the SAT), or the week before the actual SAT Exam. During the summer, we easily schedule around family vacations, summer jobs, athletic commitments, and “surprises” as they may arise. If You Would Like To Talk More About Your Student … Please contact me at 727-253-0639 or send me an email at wwa0811@mykolab.com. Dr. Wayne Adams is one of the leading SAT and ACT tutors in the country. His students normally improve 200+ points on the Writing, Reading, Writing and Essay, and Math, and 4 – 7 points on the ACT composite. They have been admitted to 8 of the top 10 universities in the country, 18 of the top 25, and many schools in Florida. These schools include Harvard, Yale, Princeton, Columbia, Stanford, U Chicago, Duke, U Penn, Johns Hopkins, Cornell, Notre Dame, Emory, UC Berkley, UCLA, USC, UNC (Chapel Hill), NYU, Northeastern (Boston), Boston College, Georgia Tech, Naval - Air Force - Merchant Marine Service Academies, Penn State, LSU, Auburn, UF, U Miami, FSU, USF, UCF, Florida Atlantic, Florida Gulf Coast, FIU, New College of Florida, Stetson, and Julliard – Manhattan New England - and Berkley Conservatories of Music. Many have received academic, athletic, or music scholarships. This year, he also tutored three juniors who scored at the national merit finalist/semi-finalist levels on the most recent PSAT. He is a former Dean of a Graduate School of Business and Full Professor, and began college teaching at the University of Maryland in 1968. He has degrees and advanced studies at Harvard, Yale, Vanderbilt, Columbia International, and Luther Rice.

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Tech Talk with Bob: A Gift Card Scam! My friend Bea had an experience that really rattled her nerves. She received an email from “Amazon” telling her that her account was charged $3,000.00 for a television. After confirming with Tony, her husband, that he didn’t buy it, they concluded it must be a mistake. Tony immediately called the customer service phone number that was included in the email. Once he finally got through to “customer service” he received yet more discouraging news. Bea and Tony’s Amazon account had been hacked according to the “representative.” Needless to say, they were both astounded. Fortunately, the “representative” was able to offer them a quick solution. For $500.00 the “rep” could repair the “hacked account” and expunge the charges for the $3,000.00 television. Tony wasn’t thrilled with the solution but reluctantly agreed to the “rep’s” terms. Tony reached for his American Express card to pay. As Tony read off his Amex number the “rep” immediately stopped the transaction and told Tony that their credit card processing system had just gone down, again. The “rep” explained to Tony that they were having problems with the system all day. Tony asked if the “rep” would call him when the system came back up. The “rep” agreed but warned that if Tony delayed, that $3,000.00

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TV might ship before the order could be cancelled; and then Tony would also have to pay the shipping to return the TV. In order to expedite the cancellation, the “rep” suggested Tony pay with a $500.00 gift card. The “rep” explained that they process gift cards on a different system than credit cards, so that even though their credit card system was currently down, they could still process the payment by having Tony read off the numbers on a gift card. Tony sent Bea out to pick up a $500.00 gift card. While waiting for Bea to return, Tony asked the “rep” how something like this could happen and why he had to pay so much? The “rep” explained that it was not Amazon who was hacked, but it was Tony’s IP address that had been hacked which led to Tony’s Amazon account being hacked. Therefore, the financial responsibility fell on Tony, according to the “rep.” Tony was determined to get to the bottom of this nightmarish mess. Finally, Tony called me and filled me in on what was going on. I cringed as he revealed the events that transpired. I immediately explained to Tony that he was in the process of being scammed. Tony and Bea came within inches of giving away a sizeable pile of money to cyber criminals. Fortunately, they did not give the gift card code to the scammers. Can you tell me what Tony

should have done differently? He assumed that the Amazon customer service phone number that was listed in the email was legit. The cyber criminals were so good that Tony believed he was actually speaking with Amazon when he called. But he wasn’t. What Tony needed to do was look up Amazon’s phone number instead of relying on the contents of this bogus email. Had he actually called Amazon Tony would have found out that Amazon had nothing to do with this and that Tony, Bea and Amazon were all unsuspecting players in this deception. I cannot tell you how happy I am that Tony contacted me before he and Bea handed over the 500 bucks to these criminals. There are a lot of scams like this circulating. If you ever receive a suspicious email like this, call the company directly. Be sure to look up the phone number on your own and not rely on any phone numbers given in the email. Companies like Amazon want to know about these scams. So, report any emails claiming you owe money. By the way, Bea and Tony were just one

of many folks caught up in a cyber scam claiming to be Amazon. If you get any emails from Amazon and want to verify them, Amazon’s “real” customer service number is 1-888-280-4331. Please stay on guard and stay safe. Never forget, cyber criminals will exploit the easy victims and unprotected systems. Whether you are a business or non-profit who keeps records about clients, customers, prospects, employees, vendors, sales, budgets, inventories… you get the idea. It is your responsibility to protect your personal network, your computer’s operation, and your data. Even a home user who may only keep records about club members, kids’ sports leagues, volunteer work, filing your income taxes, or just ordering a pizza using your credit card on your home computer is a target. Are you certain your computer is safe? You don’t have to do this alone my Friend. My staff and I are here to keep your computer safer and keep it running. We have the best solutions already in place and we’re only a phone call away. Call us anytime at 727-5344000. We’ve been helping folks restore their peace of mind, and sanity, with their technology for decades. We Keep You Safer In Your Digital World!

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Grout Tech - Your Tile and Grout Specialist!

Before

Before you spend thousands of dollars remodeling and retiling your bathroom or kitchen be sure to call Grout Tech for a FREE estimate on cleaning or repairing old dingy tile and grout. Grout Tech can breathe new life into your existing tile work, making everything shine like new at a fraction of the cost. Grout Tech is a family owned business serving Hillsborough, Pinellas and Pasco Counties. With over 17 years of experience in the industry, Grout Tech specializes in cleaning and sealing tile and grout, re-coloring grout, re-caulking showers and tubs, and repairing grout and broken tiles. Grout Tech will renew existing grout

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and tile to its original beauty by cleaning and maintaining the tile and grout lines. Jeremy G. and his wife were ready to re-tile their entire bathroom before calling BJ at Grout Tech. “Our bathroom tile was over 40 years old it was looking grungy and very dull. We called Grout Tech and we are extremely pleased with our results! We saved so much money by having the grout in our shower resurfaced and the tile cleaned and it looks brand new.” BJ is happy to set your appointment, come out and give you a free estimate. She stresses, “It is important for me to be respectful of our customers’ time so I will always arrive at the time we set.” In addition to always

After

arriving in a timely manner, BJ says that they can keep their prices low because they are a family owned business and not a franchise. She explains, “What many people don’t understand is that franchises are often forced to charge more for their services because they have to maintain their franchise fees, but not with Grout Tech.” Not only does Grout Tech keep its rates competitive, but the company will also honor any other quote as long as it is in writing. Because grout is a porous material, trying to remove stains is seemingly impossible. BJ explains, “Color sealing grout lines is one of the many services we offer and

it is definitely the most effective way to create a perfect, new look.” Using a step-bystep process, Grout Tech begins by using a cleansing product to remove all bacteria and surface dirt with special machinery. They will then apply a color seal (of your choice). Once the sealer is applied the grout lines will be permanently protected from any stains. The color seal also guarantees against cracking, chipping and peeling. Additionally, they will also cosmetically fix or replace chipped or cracked tiles, making your bathroom or kitchen tile like new again. Kathy G., a satisfied customer, shares her

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Before

experience, “When BJ came out to give us a quote, she looked at the job and I could tell immediately that she knew what she was talking about. We had our family room, kitchen and dining room regrouted. They also regrouted the tub, shower and base of our toilet in our bathroom. They were fantastic! Not only were they professional and reliable but they also completed the job

much faster than we had anticipated.” Excellent Service Leads to Referrals Throughout the years, Grout Tech has grown through its many referrals from happy customers. People really appreciate that Grout Tech saves them time and money, but it is the excellent service provided that has really helped this business grow.

After

Grout Tech’s success stories say that before calling Grout Tech, their bathrooms, guest bathroom showers and floor grout, had deteriorated over time and the tiles were dull and stained. “The tile was in good condition but it was stained so we had Grout Tech come out and clean them and they turned out very well.” They were so pleased that they have already referred Grout

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Tech to neighbors in their community. Grout Tech can also remove and recaulk around sinks, baseboards, tubs and showers serving to clean up old moldy areas and keep your dry wall free from water damage. From old to new in just one day! To find out more about Grout Tech’s services or for a free estimate call BJ at 727-768-6828. FEBRUARY 2022 17

“Rizzotto” story continued from page 1 every step of the way when it comes to Investing, Retirement, Income Planning, and Taxes. The firm is dedicated to providing exemplary service while displaying the highest standards of ethics and professional knowledge. They are approved members of the National Ethics Association and the National Association of Tax Professionals. Rizzotto Wealth Management’s main objectives are to help you Plan, Invest, and Protect. They work with clients to develop an overall plan that encompasses your entire financial picture, taking the time to establish a deep understanding of your financial needs in order to find the best investment strategy for you. Amidst the vast sea

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Nic Ranocchia (left), Managing Partner and Ed Rizzotto (right), Founder and Managing Partner of negatives, they want to make sure you are properly positioned for the significant opportunities ahead.

Meet the Rizzotto Team Ed Rizzotto, Founder and Managing Partner, moved to Florida 51 years ago from

New York and has been a Trinity resident since 2000. A graduate of Clearwater Central Catholic High School, he earned his bachelor’s degree

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in Business Management from National-Louis University in Evanston, IL. Ed also served both active and reserve duty for 13 years in the U.S. Coast Guard. He started his Insurance and Financial career over 25 years ago. In 1999, he joined a local retirement planning firm, where he helped hundreds of people with tax and retirement planning for over six years. Ed Rizzotto enjoyed the opportunity to benefit the community, and was determined to create a complete local business where he could help clients (both preretirees and current retirees) save money on their taxes, better manage their portfolios, plan for the future and focus more on enjoying their retirement years – and The Rizzotto Tax Advisory Group was established in 2006. In 2019 Rizzotto Tax Advisory Group officially rebranded as Rizzotto Wealth Management to reflect the services they’ve always been passionate about, investments and retirement planning. Ed holds a stateregulated Life & Health license and specializes in finding the appropriate insurance vehicles for clients as well as retirement planning and tax reduction strategies.

Finance. Nic is a financial advisor who takes pride in digging into clients’ portfolios and making suggestions that make sense based on data and current trends. He analyzes client accounts and gives indepth reviews in which clients’ discover any unnecessary fees, past performance, risk level, diversification, and more. He also brings a modern approach to the table using the latest technologies available to ensure all information is considered before a decision is made. With these techniques, Nic has been able to help many clients reach their financial goals. Together, Ed and Nic work efficiently as a team to serve their client’s financial needs as a whole. Nic is securities licensed and registered with FINRA as an Investment Advisory Representative and specializes in managed brokerage accounts.

Nic Ranocchia, Managing Partner, is a graduate of the University of South Florida, with a bachelor’s degree in

Dori Greeson, Administrative Assistant, comes to us with a wide variety of experiences having worked

Lorrie Rizzotto, Director of Operations, joined the firm in 2009. Before joining Ed in running their family business, Lorrie specialized in corporate incentive and meeting planning. Married for 32 years, Lorrie and Ed have two adult children.

with a law firm, engineering services, real estate office, insurance agencies, and a home healthcare agency. We are pleased to have her with us, knowing our clients will receive courteous and friendly attention from her at all times. Dori’s interests and personal experiences include enjoying time with her family and friends, strolling along the beach at sunset, reading, ministering with her husband in Florida prisons and short term mission trips to such places as South Africa, Mozambique, Vietnam, Jamaica, India and Taiwan. Kim Mitchell, Marketing Coordinator, She has an associate’s degree in Business Marketing. Kim has many years of experience as a sales assistant in the mortgage industry. She enjoys spending time with her family, being at the beach, running, biking and just being outdoors. Their team of IRS enrolled agents and senior tax preparers have an average of over 20 years of experience in tax preparation and tax law and are ready to assist you with all of your tax preparation needs. They also have a longstanding relationship with a trusted elder law attorney who specializes in wills, trusts and estate planning. They go Beyond just Taxes

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Many members of the community have grown to know and trust the firm as a tax service, but their services stretch far beyond just taxes. They handle investments, insurance, brokerage accounts, portfolio management, retirement income planning and more. Rizzotto Wealth Management is guided by your goals and objectives and is not obligated to any single product or company. They look at your complete financial picture to serve as the single source for all of your financial needs. Through all phases of life, the Rizzotto Wealth Management team can help you establish the appropriate portfolio to help you pursue your financial goals. Rizzotto Wealth Management is committed to assisting their clients every step of the way, whether you’re looking for something with higher growth potential or safety they’ve got you covered! To schedule a tax consult or complimentary financial review, please call 727.683.9119. Fee-based financial planning and investment advisory services are offered through Truvestments Capital, LLC an SEC Registered Investment Advisor. Insurance products and services are offered through independent insurance agents.

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Jazzercie Lutz - story continued from page 1 That means you won’t have to figure out your own exercise plan or be a fitness whiz. Instead, all you do is show up and follow along. Each class is designed to be a complete workout, which includes a warm up and cool down plus explanations of each movement along the way. Get a Dose of Motivation If you’re one of those people who hates working out, then you’re going to need one that delivers extra motivation, which is exactly what group fitness classes do! The instructor’s positive attitude, along with the contagious energy of your classmates, will help raise your motivation. Building Relationships and Community One of the best benefits of group fitness classes is the support, sense of community and friendships you’ll build. fitness A study from the University of Southern California found that subjects who worked out with friends enjoyed working out more compared to working out alone. Added Accountability Once your group fitness instructor and classmates get used to your presence, they’ll start asking questions when you miss a class or two. Dr. Dian Griesel, the co-author of TurboCharged agrees, stated in an article for NBC News that “Workouts with others improve consistency because they involve commitment. ‘No shows’ and cancellations get noticed

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by others and positive peer pressure can help curtail the urges to skip a workout…or quit.” Greater Workout Variety Performing the same workout over and over again is not only boring, but will likely lead you into a fitness plateau. Your instructors don’t want to do the same workout any more than you do! They’ll throw in new moves and combinations with each class. You can also take different classes throughout the week, which will provide the added bonus of never allowing your body to adapt to a single exercise modality. Fitness and Fun Rolled into One Upbeat music? Check. Supportive and friendly instructor? Check. Working out in a group is just more fun. Not only will you get to enjoy the natural endorphins (aka happy brain chemicals) that exercise produces, but you’ll also be surrounded by like-minded exercisers and a few new friends.

exercising is to improve your overall mental and physical health and wellness, right? So, you’ll be excited to learn that working out with others can actually improve your fitness results. The Köhler Effect is a concept that says no one wants to be

the weakest member of the group and will therefore work harder in group settings. If your workout buddies are a little faster or stronger than you, you’ll work harder to keep up! Scientific research backs up the theory. A paper in the

Greater Results The whole point of

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Journal of Sport and Exercise Psychology found that participants who performed planks with a stronger partner were able to hold their plank for 24% longer

than when they planked alone. In other words, your natural competitive juices can help you work out harder in a group. You may even want to snag a spot next to the fittest

person in the class for even more motivation. Tired of Hating Your Workouts? If you’re desperate to

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find a workout for people who hate working out, then give Jazzercise a try. We strongly believe in the power and positivity of group fitness. That’s why we are proud to offer group workout classes. Whether you are looking to improve your cardio, your strength, or allof-the-above, you can find the right class for you along with a safe and welcoming environment. It’s time to fall in love with exercise! Find your nearest Jazzercise and learn more about our latest offers. Jazzercise Lutz is located at 19012 First St. SW, Lutz. For more information, call 813-406-4707 or email jazzerciselutz@gmail.com.

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Tampa Bay News and Lifestyles. Odessa / Lutz / Land O' Lakes Vol. 13, Issue 2, February 2022.

Articles inside

SAT/ACT

Grout Tech

Tech Talk

From the Editor