The Lichtenberg Financial Decision Screening Scale (LFDSS): A new tool for assessing financial decision making and preventing financial exploitation

ABSTRACT

One of the challenges in preventing the financial exploitation of older adults is that neither criminal justice nor noncriminal justice professionals are equipped to detect capacity deficits. Because decision-making capacity is a cornerstone assessment in cases of financial exploitation, effective instruments for measuring this capacity are essential. We introduce a new screening scale for financial decision making that can be administered to older adults. To explore the scale’s implementation and assess construct validity, we conducted a pilot study of 29 older adults seen by APS (Adult Protective Services) workers and 79 seen by other professionals. Case examples are included.     

Intimate Partner Abuse of Older Men: Considerations for the Assessment of Risk

SUMMARY

Intimate partner abuse among older persons, though less common than among the general population, is a significant concern. Drawing from the intimate partner abuse and elder abuse literatures, this paper presents considerations for the assessment of risk for intimate partner abuse perpetrated against older men, with reference to the prevalent gendered view of abuse between intimate partners. Potential victim and perpetrator risk factors specific to this context are discussed and existing risk assessment tools are introduced. Implications and future research directions are discussed with regard to the application of risk assessment technology to this context.     

Constructions of ‘vulnerability’ in comparative perspective: Scottish protection policies and the trouble with ‘adults at risk’

This paper places Scottish adult support and protection (ASP) policy in the context of debates about the nature of ‘vulnerability’ and its usefulness as a defining concept in law and social policy. It examines the construction of ‘adults at risk’ in ASP policy, using a comparison with the construction of children in Scottish child protection policy, on the one hand, and women in Scottish domestic abuse policy, on the other, to illuminate the nature of the vulnerability that ASP considers itself to be addressing. It then problematises this construction, drawing both on the social model of disability and on an ethic of care. It concludes that current ASP policy remains underpinned by unhelpful assumptions about disabled people, older people and people with mental or physical health problems. A more inclusive understanding of vulnerability would be more empowering to these people and others, in policies concerned with mistreatment and abuse.     

我国上市商业银行财务风险评价体系研究

商业银行的财务安全对于银行的稳健运行具有重要的意义.从财务风险的角度对商业银行的风险进行了分析,建立了商业银行财务风险评价指标体系,运用主成分分析法对我国10家主要的上市商业银行的财务风险状况进行了评价,并提出商业银行财务风险防范的主要措施.     

Adolescents' Need to Talk About Sex and Sexuality in an Urban Mental Health Setting

Summary

For many adults, adolescent sexuality is problematic. For adolescents, it may be problematic, powerfully alluring, or simply a part of becoming an adult. Either way, and irrespective of whether they have ever had sex, young persons seeking mental health counseling in an urban mental health clinic express a strong desire to talk about sex and sexuality. Significant gender and age differences are noted in desire to talk about sexuality and mediated by involvement in sexual risk behaviors. Having experienced forced sex is directly related to desire for counseling about sex and sexuality. The findings presented in this article compel clinicians to engage all adolescents in meaningful dialogue about sex and sexuality.     

全球金融风险及中国的对策

当前,全球金融危机深层次影响正逐步显现,全球经济和金融体系的风险还在积聚,经济复苏的基础仍很脆弱,危机远远没有结束。在全球金融危机持续发酵的过程中,按照G20峰会确定的改革方向,金融稳定理事会、巴塞尔委员会等国际组织正共同努力推动金融监管改革,但金融体系长期积累的问题短期内难以消化,还需要全球政策制定者和监管当局加强政策协调,凝聚共识,在刺激经济增长和实施长期结构化改革之间寻求平衡。针对金融领域存在的风险隐患,中国为坚守不发生系统性和区域性金融风险的底线,必须完善相关配套政策,全面构建中国银行业的审慎监管体系。     

Connections with banking institutions and diverse asset portfolios in young adulthood: Children as potential future investors

A central hypothesis of Child Development Accounts (CDA) suggests that savings accounts in childhood lay a foundation for connecting to mainstream banking institutions and diversifying asset portfolios in young adulthood and beyond. While children may have limited savings to invest initially, they are financial actors who may increasingly invest money into different types of savings products over time. This paper uses propensity score weighted, longitudinal data from the Panel Study of Income Dynamics and its supplements to examine the types of financial and nonfinancial assets owned by young adults and whether or not they are more likely to own these assets when they have savings accounts as children. The most commonly owned assets in young adulthood included savings accounts (89%), vehicles (54%) and credit cards (51%). Smaller percentages owned stocks (9%), bonds (6%), and homes (8%). On average, young adults owned two to three different assets. Having savings accounts in childhood was associated with being two times more likely to own savings accounts, two times more likely to own credit cards, and four times more likely to own stocks in young adulthood, compared to not having savings accounts in childhood. Young adults' ownership of more total financial assets was also associated with having savings accounts in childhood. Findings provide some supporting evidence of demand for children's savings accounts. Policy endeavors that remove barriers to account ownership may be advantageous for children and mainstream banks.     

Aging in Poverty: Making the Case for Comprehensive Care Management

A model for holistic care management that would enhance outcomes for economically vulnerable older adults who receive an array of disjointed services administered through the older Americans Act (OAA) and local Area Agencies on Aging (AAA) is proposed. Fragmented service delivery is typically wasteful and ineffectual, but comprehensive care management that includes an autonomous care manager, a single interagency plan of care and ongoing monitoring that is client-centered may protect those aging in poverty from negative health outcomes.     

美国金融稳定监管委员会的设立及其启示

2010年7月22日,美国史上最严厉的金融监管改革法案由奥巴马总统签署生效。此次改革的重点之一,就是新设立了金融稳定监管委员会。金融稳定监管委员会是法定的、实行集体负责制的组织,其职责在于识别风险和应对新型的金融稳定威胁。中国目前没有代表性强的金融稳定监管机构,现行的金融监管协调机制也不能很好地实现金融稳定监管职责。中国应当在借鉴美国最新金融监管改革法案关于金融稳定监管委员会的规定的基础上设立代表性强的金融稳定监管机构,或者在完善现有金融监管协调机制的基础上加入金融稳定监管的内容。     

后危机时期金融中心的风险特征与管理策略

由于金融中心的集聚和辐射功能,它对支撑经济的发展起着重要作用。然而,后危机时期整个经济的发展受到众多不确定性因素影响,金融中心在发挥正向功能的同时,其风险也在积聚。因此,根据金融中心的风险特征,切实加强金融中心的风险管理,是后危机时期加强金融中心建设的重要内容之一。