Scams and fraud have long-lasting effects on a person's mental well-being, but the latest research found the emotional toll is particularly high on older adults.

Half the victims in fraud cases reported to the Federal Trade Commission were under age 30 but the financial losses are greater in older adults, at an average of $1,500. AARP said people who get scammed often experience shame and a desire for isolation.

Keith Gattozzi, a victim of a romance and cryptocurrency scam, said he felt awful after discovering he had fallen for someone who did not even exist.

"Since I was in cybersecurity all my life, and I'm not stupid and I don't know -- I'm, like, looking for love in all the wrong places -- but I felt like an idiot," Gattozzi acknowledged. "I was embarrassed. I didn't tell anybody. I told one of my friends; I didn't tell anybody else."

AARP, in conjunction with Volunteers of America's ReST program, offers free online facilitated emotional support sessions for fraud victims. ReST stands for "Resilience, Strength and Time," and people can attend as many sessions as they would like.

Seth Boffeli, senior adviser for fraud prevention at AARP, said the pandemic and dependence on technology have contributed to much of the increase in scams. Michigan reported $38 million in fraud losses in 2019 - which jumped to $134 million last year.

Boffeli suggested it is just a matter of time before any American of any age will be tempted by a convincing scam.

"What we need more understanding on is just what we're facing," Boffeli urged. "These are professional criminal enterprises that are master manipulators using technology -- the latest technology -- to take advantage of us. Any of us could fall victim."

He added it is key in these cases to stop, think and verify, to prevent falling for a scam.

AARP's Fraud Watch Network tracks and posts information about current and common scams online. In some areas, they also teach community education classes, host free document-shredding events, and work with lawmakers on consumer protections.

Indiana families are preparing kids for back-to-school season, and mental-health experts say emotional readiness is just as important as school supplies.

Beth Trammell, a psychologist and professor at Indiana University East, said kids often carry anxiety into the new school year. She encouraged parents to help children identify those fears.

"We as parents or caregivers think, 'Don't worry, or don't stress.' Instead, we might want to say, 'OK, well, let's talk about what it is you're worried about. What is the worst thing you think could happen?' If we draw it out of them," she said, "it may give them space to kind of let that out."

Helping kids feel heard can reduce stress. But experts also urge balance, keeping mornings calm, easing into routines, and not overloading schedules the first few weeks.

Nicole Brady, chief medical officer at UnitedHealthcare, said mental-health support should remain a priority throughout the year.

"Though we want our kids to be involved in activities and be social," she said, "we have to watch their academic performance, their mood, those sleep patterns, and making sure that those are staying healthy."

Brady added that parents should talk regularly with kids, model healthy coping and seek help early if warning signs appear.


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After a legislative session which opened doors to expand mental health care services across Montana, a state commission said it is considering the Billings area to build the state's second forensic facility.

For people involved in Montana's justice system whom a judge has deemed not mentally fit for their own defense, there are 53 beds in the state's only forensic facility in Galen. The daily waitlist hovers at about 100 people.

Matt Kuntz, executive director of the National Alliance on Mental Illness-Montana, said it is not meeting the immense need.

"It's just a really bad situation for the people that are in the jails, for the people that are caring for them, for the taxpayers," Kuntz outlined. "It just doesn't work for anybody."

At a recent commission meeting, Montana Department of Public Health and Human Services Director Charlie Brereton said the state is identifying a location for a new facility. The department received nearly $27 million from the state in April to fund project planning.

Kuntz noted the Montana Legislature passed many bills this session centered on mental health care.

"We really were able to get big wins in access to outpatient care, access to crisis care and for people in need of forensic hospital," Kuntz explained. "Overall, it was really an amazing legislative session for Montanans with mental health conditions."

Other mental health legislation will boost school-based services, youth in residential care, the state's 988 crisis line and certified community behavioral health clinics.


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The California Parent and Youth Helpline is in serious jeopardy after Gov. Gavin Newsom cut it from the new state budget, saying the money was needed to support medical services.

Advocates said they are puzzled because the governor has championed the helpline for years, and lawmakers approved $3 million from a separate fund dedicated to mental health, which does not affect the deficit.

Lisa Pion-Berlin, president and CEO of the nonprofit Parents Anonymous, which runs the helpline, said it is still operating 24/7, for now.

"We're holding on for the next month or so," Pion-Berlin pointed out. "But we need the state to step up, or one of these well-off philanthropists who cares about having that immediate help for emotional support, which is so vital."

Advocates are hoping funding can be restored via a budget trailer bill in the next few weeks. People can call or text and reach the helpline's trained counselors at 877-427-2736. The free helpline has connected with more than 120,000 people since its inception five years ago, and the website CAParentYouthHelpline.org has reached a million more.

Pion-Berlin noted a study in the Journal of Technology in Human Services found a call to the helpline can quickly ease parents' suffering and feelings of isolation.

"The research said that 85% of the callers in less than 30 minutes feel more positive, more hopeful and able to address their issues," Pion-Berlin reported. "There is no other service or pill I know that can do that in 30 minutes or less."

Parents Anonymous also offers free weekly support groups to steer parents and kids through emotional crises of all kinds.