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New methods to assess the intersection of financial decision making, financial management and financial exploitation in older adults with MCI or PCI

评估患有 MCI 或 PCI 的老年人的财务决策、财务管理和财务剥削交叉点的新方法

基本信息

批准号：
10399603
负责人：
PETER A. LICHTENBERG
金额：
$ 23.1万
依托单位：
WAYNE STATE UNIVERSITY
依托单位国家：
美国
项目类别：
财政年份：
2021
资助国家：
美国
起止时间：
2021-05-01 至 2024-02-29
项目状态：
已结题

项目摘要

Despite the risks of decline in financial management (FM), financial decision making (FDM) and vulnerability to financial exploitation (FE), many memory impaired older adults continue to manage their own and their family's finances. Financial management is defined here as planning, organizing and controlling one's own personal finance activities. Financial decision making is defined as the use of personal finances for purchases, investments, savings or gifts. Financial exploitation is defined as misuse of another's money through fraud or theft. Not only do individuals with memory impairment continue to manage their own money, but they also experience significant wealth loss without realizing it. In addition, those older adults in the earliest phases of memory decline often experience declines in financial decision making (FDM) resulting in significantly higher financial exploitation (FE) victimization. Our goal is to sample those with Mild Cognitive Impairment (MCI) or Perceived Cognitive Impairment (PCI), create a new “real world” FM test from the older individual's bank records, and examine the older adult's wealth loss, FDM and vulnerability to FE. We propose to engage 200 research participants in our study by sampling from our NIA P30 Alzheimer's and RCMAR Centers so as to over-sample Urban African Americans. Participants will be interviewed across 3-steps: (a) insuring they meet inclusion criteria, (b) sharing electronic bank statements, and (c) participating in our interview and evaluation once we have analyzed the bank statements (we are able to perform this data collection by phone or videoconferencing if necessary due to Covid-19). This approach will enable us to gain an understanding of how those with early memory loss perceive their finances, what early wealth loss warning signs can be identified, and what contextual and intellectual measures are related to wealth loss and financial mismanagement. By accomplishing our aims, we will provide important new methods and knowledge about the intersection of FM, FDM, wealth loss and vulnerability to FE. This knowledge will be fundamental to a R01 study to examine wealth changes and FE over time and to develop intervention strategies based on Motivational Interviewing.

尽管财务管理（FM）、财务决策（FDM）和易受金融剥削（FE），许多记忆受损的老年人继续管理自己和家人的财务。财务管理在这里被定义为计划、组织和控制自己的个人财务活动。财务决策将个人资金用于购买，投资，储蓄或礼品的行为被定义为"制造"。金融剥削被定义为通过欺诈或盗窃滥用他人的金钱。不仅有记忆障碍的人继续管理自己的钱，但他们也经历了巨大的财富损失而没有意识到这一点。此外，记忆力衰退的早期阶段通常会经历财务决策（FDM）的下降导致显著更高的金融剥削（FE）受害。我们的目标是轻度认知障碍（MCI）或感知认知障碍（PCI）患者，新的"真实的世界"调频测试从老年人的银行记录，并检查老年人的财富损失、FDM和对FE的脆弱性。我们建议聘请200名研究参与者，我们的研究通过从我们的NIA P30阿尔茨海默氏症和RCMAR中心采样，以便过采样城市非裔美国人。参与者将接受3个步骤的面试：（a）确保他们满足入选标准，（B）共享电子银行对账单，以及（c）参与我们的访谈一旦我们分析了银行对账单（我们能够执行此数据），如因新型冠状病毒肺炎（COVID-19）而需要，可通过电话或视频会议收集。这种方法将使我们能够了解那些早期记忆丧失的人如何看待他们的记忆。财务，可以识别哪些早期财富损失预警信号，以及什么背景和智力测量与财富损失和财务管理不善有关。通过实现我们的目标，我们将提供重要的新方法和知识， FM、FDM、财富损失和对FE的脆弱性的交叉点。这些知识将 R01研究的基础，以检查财富变化和FE随时间的推移，基于动机访谈的干预策略。