Susceptibility to Scams in Older Black and White Adults

Associations between structural neuroimaging markers of Alzheimer's risk and scam susceptibility

Older adults with greater scam susceptibility are at greater risk for mild cognitive impairment and incident Alzheimer's dementia, regardless of baseline cognition. This, combined with documented associations between scam susceptibility and beta amyloid at death suggests that scam susceptibility may be an earlier indicator of pathological aging than cognition. Little, however, is known about whether in vivo neuroimaging markers of early-stage risk for Alzheimer's dementia are also related to scam susceptibility; such knowledge will inform upon the associations of neurodegenerative processes with scam susceptibility and may help identify vulnerable individuals. Participants were 472 community-based adults without dementia (age ~ 81y; 75% women) from the Rush Memory and Aging Project. Baseline 3T MRI T1-weighted structural and T2-weighted FLAIR data were used to assess the cortical thickness 'signature' of Alzheimer's disease (AD-CT) and white matter hyperintensity (WMH) burden, respectively. Scam susceptibility was measured using a questionnaire that assessed behaviors associated with vulnerability to fraud and scams. Demographically-adjusted linear effects regression models determined the relationship of each neuroimaging measure, first separately and then combined, with scam susceptibility. Reduced AD-CT was associated with higher levels of scam susceptibility (estimate=-0.10, standard error = 0.03, p = 0.002). WMH burden was not associated with scam susceptibility either alone or when combined in the same model as AD-CT (p-values ≥ 0.14). Results for AD-CT persisted after the inclusion of WMH burden. AD-CT was associated with scam susceptibility in older adults without dementia possibly signaling an in vivo profile of this behavior.

Factors Associated With Healthcare and Financial Decision Making Among Older Black Adults Without Dementia

OBJECTIVES

The study aims to identify factors associated with health care and financial decision-making among older Black adults without dementia.

METHODS

Participants (N = 326) underwent assessments of decision-making and completed measurements of factors from four categories: cognitive, contextual, psychosocial, and personality. We performed separate linear regression models to examine the association between each factor and decision-making and created a fully adjusted model.

RESULTS

Higher global cognition (estimate = 1.92, SE = 0.21, p < .0001) was associated with better decision-making. Contextual factors including higher current annual income (estimate = 0.23, SE = 0.05, p < .0001), higher childhood socioeconomic status (estimate = 0.48, SE = 0.18, p = .006), higher health and financial literacy (estimate = 0.08, SE = 0.01, p < .0001), and lower financial stress (estimate = -0.19, SE = 0.07, p = .01) were associated with better decision-making. More psychological well-being (estimate = 0.07, SE = 0.22, p = .001), a psychosocial factor, and less neuroticism (estimate = -0.06, SE = 0.02, p = .002), a personality factor, were associated with better decision-making. In the fully adjusted model, two factors, higher global cognition and higher literacy (health and financial), remained associated with better decision-making.

CONCLUSIONS

Cognitive and contextual factors serve as drivers of decision-making among older Black adults.

CLINICAL IMPLICATIONS

Clinicians may implement strategies to bolster cognition and improve health and financial literacy to facilitate optimal decision-making among older Black adults.

Frequently asked questions about mobility devices among older adults

PURPOSE

To assess frequently asked questions (FAQs) about mobility devices among older adults.

MATERIALS AND METHODS

We searched multiple terms on Google to find FAQs. Rothwell's classification, JAMA benchmark criteria, and Brief DISCERN were used to categorize and assess each entry.

RESULTS

Our search yielded 224 unique combinations of questions and linked answer sources. Viewing questions alone resulted in 214 unique FAQs, with the majority seeking factual information (130/214, 60.7%). Viewing website sources alone resulted in 175 unique answer sources, most of which were retail commercial sites (68/175, 38.9%) followed by non-retail commercial sites (65/175, 37.1%). Statistical analysis showed a significant difference between the JAMA benchmark scores by source type (p < 0.00010) and Brief DISCERN scores by source type (p = 0.0001).

DISCUSSION

Our findings suggest government, academic, and possibly non-retail commercial sources may provide better quality information about the use of mobility devices. We recommend medical providers be prepared to promote and provide quality resources on the risks, benefits, and proper techniques for using mobility devices.

Childhood socioeconomic status interacts with cognitive function to impact scam susceptibility among community-dwelling older adults

OBJECTIVES

We examined whether childhood socioeconomic status (SES) is related to scam susceptibility in old age and tested the hypothesis that childhood SES interacts with cognitive function to impact scam susceptibility.

METHODS

This study employed a cross-sectional design. All data were collected in participants' community-based residences. Participants were 1071 older adults (mean age = 81.05 years, SD = 7.53) without dementia (median MMSE score = 28.29, IQR = 27.86-30.00). Participants completed assessments of childhood SES, cognitive function, and scam susceptibility. We used linear regression models to examine the associations of childhood SES and cognitive function with scam susceptibility.

RESULTS

In a regression model adjusted for age, gender, and education, poorer cognitive function was associated with higher scam susceptibility, but childhood SES was not. However, in an additional model that included the interaction of childhood SES and cognitive function, the interaction was significant, such that lower childhood SES was associated with higher scam susceptibility among participants with lower cognitive function.

CONCLUSION

Lower childhood SES is associated with higher scam susceptibility among older adults with lower levels of cognitive function. Thus, older adults who experienced limited resources in childhood and have lower cognitive function may represent a specific group for interventions to increase scam awareness and prevent financial exploitation.

Consumer Experience of Mistreatment and Fraud in Financial Services: Implications from an Integrative Consumer Vulnerability Framework

This study utilizes the National Financial Well-Being Survey (NFWS) from the Consumer Financial Protection Bureau (CFPB) to investigate the profiles of American consumers who experience mistreatment or a type of fraud in financial services (compromised accounts). An integrative consumer vulnerability framework was used as the theoretical framework to examine how disadvantaged consumer characteristics and vulnerable consumer characteristics are associated with mistreatment and compromised accounts. Consumers in vulnerable states, due to low financial capability, cognitive decline, material hardships, financial shocks, and more exposure to various financial services, were more likely to report experiencing mistreatment and having their financial accounts compromised. Consumers from higher socio-economic status were more likely to have been victims of mistreatment and compromised accounts in financial services. These findings offer implications for consumer financial education and protection.

Contact-Fraud Victimization among Urban Seniors: An Analysis of Multilevel Influencing Factors

Fraud crime against seniors has become a serious social problem both at home and abroad. While most of the relevant research focuses on non-contact fraud against seniors, a few studies attend to contact fraud targeted at seniors. By constructing a theoretical framework of “environment–activity–fraud victimization” based on the integration of multiple theories, this study conducts a multilevel logit analysis of contact-fraud victimization among urban seniors in the downtown area of Guangzhou at the individual and neighborhood levels. The results show that contact-fraud victimization among urban seniors is influenced by individual-level factors and neighborhood-level factors, and that individual-level factors play a more significant role. More specifically, seniors with higher education levels and lower levels of self-control are more likely to experience contact-fraud victimization, while seniors who are older and healthier, and have higher household income are significantly less likely to experience contact-fraud victimization. Further, higher levels of collective efficacy and better living environments in the neighborhood significantly reduce the probability of contact-fraud victimization among urban seniors, while the percentage of the migrant population, the percentage of the aging population, and developed traffic environments significantly increase the probability of seniors experiencing contact fraud. This study confirms the feasibility of examining contact-fraud victimization among urban seniors based on the integration of theories, and enriches the research results of crime geography in terms of contact-fraud victimization among urban seniors.