Creating an understanding of the richness and diversity of aging 

Published in RINewsToday on October 7, 2024

For years, media managers have clung to the erroneous notion that advertising sales are primarily driven by millennials, holding the mistaken belief that older consumers on fixed incomes are less receptive to purchasing new products.

As a result, these media outlets—whether print or digital, broadcast, or podcast – have often provided insufficient coverage on issues relevant to our aging population. But age bias still exists in some newspapers, electronic media and the internet. 

Yet, with the undeniable graying of America, the increasing number of older adults including Boomers and their older siblings in the Silent Generation with the first Gen Xers now reaching their 60s, continue to rely on reading newspapers to better understand the complex and evolving landscape of aging. 

But recent shifts have occurred as reporters and editors, many of whom are themselves (or have been) midlife caregivers for aging parents or in-laws, including this writer, have uncovered the vast, under-reported stories on aging. Personal experiences have given them the insight and understanding necessary to address these topics with greater depth and balance.

For over 44 years, I have had the joy and responsibility of writing about aging—about the issues that shape our lives as we grow older and also about the opportunities that come with age. Like many of my fellow “age beat” writers and reporters, I have the distinct perspective of being over 70 years old myself. This vantage point informs not just how I write, but what I write, because I know firsthand the challenges and triumphs that come with aging,

Over the years, I have had the honor of sharing the stories of so many Rhode Islanders aged 50 and over who have shared their wisdom, resilience, and humor. Their experiences may be local, but the lessons are universal. Whether writing about policy debates or spiritual reflection, I have aimed to offer a balanced perspective—one that recognizes both the challenges and the immense potential that come with aging.  Through my writings I strive to stand among well-informed journalists covering the age beat, who are more known and maybe better writers, and are informing readers about the Longevity Revolution, with all of its challenges and implications, both positive and challenging.

Through my work, published on RINewsToday, a state-wide news site (in the Pawtucket Times and Woonsocket Call, or  compiled in my books, Taking Charge Volumes 1, 2, and now 3 in the works, I have sought to offer readers practical advice for navigating the later stages of life. From care giving and retirement planning to end-of-life decisions and everything in between, my goal has always been to empower individuals to take control of their own aging journey. Aging is not something to be feared, but rather embraced as an opportunity to live more fully.

Books Give Tips on Aging Boldly

I am pleased to announce that Vol. 3, like my two previous volumes (Taking Charge: Collected Stories on Aging Boldly and Taking Charge: Vol. 2, More Stories on Aging Boldly), will shortly be published by West Warwick-based Stillwater River Publications.

In these volumes, I have compiled a selection of my most impactful weekly commentaries, spanning a variety of aging-related subjects. Each article, listing the date it was published, drawn from my published works provides practical insights and advice for those over age 50. 

Although some of the content may reflect aging issues, research results, study and poll findings and legislative policy debates from years past, the insights are relevant and informative. The stories, while often localize to Rhode Island, contain universal truths applicable across the nation. They reflect the experiences of individuals who share their wisdom on various aspects of aging, from health and finances to relationships and personal fulfillment.

As we continue to advance in age, the opportunities to enhance our lives are more abundant and accessible than ever before. My weekly commentaries that you read on this statewide news site aim to empower readers to take charge of their aging process, embracing the challenges and opportunities it presents with confidence and grace.

Through my  editorial “bully pulpit” in my weekly commentaries and continued efforts, I hope to continue contributing to a greater understanding and appreciation of the richness and diversity of aging. 

To the seniors of Rhode Island, you are my inspiration. Every story I’ve written, every article I’ve published, has been with you in mind. I hope that, through my writing, I’ve been able to shed some light on the issues that matter most to you and to provide some guidance along the way.

I am grateful for the opportunity to continue contributing to this important conversation. But my work is far from over. The aging population is growing, and with it, the need for thoughtful, informed journalism that addresses the complexities of aging.

I thank my readers of RINewsToday for joining me on this journey. May the insights in my commentaries inspire and support you as you navigate your own path to a fulfilling and vibrant later life.

Please take advantage of the opportunity to leave me (and us) a comment, below. We are open to topic suggestions, reactions or personal reflections on the aging challenge.

AARP study on older adult stereotypes in on-line images. We think they can help

Published in RINewsToday on September 30, 2024

Following on the heels of an intense national media debate of President Joe Biden’s age and his ability to govern, a new AARP study finds a positive shift over the past five years in how adults 50-plus are portrayed online in marketing and media imagery. Researchers found that negative sentiment in online media and marketing images dropped from 28% in 2018 to just 10% in 2023.

AARP’s analysis compared images from 2018 to 2023, revealing the strengths and limitations in how aging is portrayed in media and marketing.  

AARP’s Media Landscape Review analyzed a random sample of over 1,000 online images and 500 videos featuring adults 50-plus from brands and thought leaders posted on news sites and social media with at least two million followers or readers. But political content was excluded.

According to Lauren Goodson, AARP Research Director of Growth, Enablement & Membership, AARP conducted the initial study to demonstrate the opportunity for companies/brands to more accurately and honestly represent older adults. The 2018 study found 28% of online images portrayed adults 50-plus in a negative manner compared to just 4% of those under the age of 50. “We are encouraged to see that efforts by AARP and other organizations to raise concerns about ageism have resulted in significant improvement over the past 5 years, says Goodson, noting that no decisions have yet been made about a third wave of the study.

The research findings indicated that the age 50 and over population is pictured as more active and independent, less fearful, and more likely to use technology, reflecting a growing recognition of older adults’ active lifestyles and valuable engagement in society.

While the results were promising about the decrease of ageism on the internet, note researchers, they stressed that challenges still remain.  Social media images of older workers aged 50 and over in the workplace remained unrealistically rare, they say, while depictions of this age group spending time with family actually fell over the past five years.

“At AARP, we have been leading the fight to combat ageism in marketing and media imagery, and it looks like the creative industry is starting to really listen,” said AARP Chief Communications and Marketing Officer Martha Boudreau, in a Sept. 23 statement announcing the study’s findings. “As the old saying goes, a picture is worth a thousand words. In the age of social media, and with the ubiquity of advertising across people’s daily lives, this is truer than ever. The images we see shape what we think and can even influence how we act towards one another. Progress has been made in improving how 50-plus adults are portrayed but we still have a lot of work to do. Studies like these point the way forward and give us a solid roadmap for how to continue to make things better,” she adds.

AARP’s study details positive improvements showing a shift “from decline to vitality.” For instance, aging was viewed as more active than before.  The researchers say that the portrayal of America’s older adults has “moved from fear-based, with an emphasis on financial and medical themes, to active and healthy lifestyles.  When reviewing on-line images and videos, findings show that 26% of people 50-plus shown in images were physically active, compared to 15% in 2018.

The AARP research findings revealed a striking increase in depictions of adults 50-plus using technology. In 2023, 33% of images showed people 50-plus using tech devices, up from just 4% in 2018.  The study’s findings, indicating an uptick in the use of tech devices, better reflects this age cohort’s acceptance of technology, challenging outdated ageist stereotypes and highlighting the reality of their digital use.

As they age, nearly 80 percent of America’s older adults aged 50 and over want to age in place in their community, choosing not to be placed in an assisted living or nursing facilities.  The study showing 73 % of static images showing people at home vs. 39 % in 2018, reflects that this trend has been more visibly reflected in media in recent years

Meanwhile, just 8% of static images showed people in a retirement community compared to 15% in 2018. The researchers say it’s a sign that retirement centers are less likely to be the visual shorthand for aging, with recent images elevating independence over medical worries or reliance on assistance.

Even with positive changes, there is more room for improvement especially with portrayal of older adults in the workplace.  Despite older workers making up over one-third of the workforce, the study found only 14% of social media images show age 50 and older adults at work, this being almost unchanged from 13 % in 2018. Researchers say, “this under representation misses both on what people 50-plus are adding to the economy and what long, satisfying careers are adding to their lives.” Also, how long people are working or have gone back to work due to outliving income streams, a negative, but realistic image.

As to mobility challenges, AARP’s study reveals a substantial gap in representing mobility challenges among age 50 and over adults.  The findings indicate that only 1% of images show consumers with mobility aids, despite 12% of these older adults, in fact, regularly using a mobility device for assistance walking or navigating stairs. 

Finally, the study found a significant decline compared to 2018 in people aged 50 and older shown in multi-generational families. There was a significant decline compared to 2018 in these older adults shown in a family situation (17% to 9%) or with their grandchildren (13% to 6%), this suggesting a major opportunity for social media to more accurately reflect an important source of joy and meaning for many over 50. This finding suggests a need for the social media and marketing companies to better portray the important family roles and relationships older adults have, as these connections become more significant as one ages.

Finally, the research tracked still images and video content, with video proving to be more successful at showing adults 50-plus interacting with others, outside the home and using technology.

Every picture tells a story, don’t it?

“Those of us in communications often search for images to use to accompany stories, says Nancy Thomas, publisher of RINewsToday, a state-wide new site, noting that usually original images, with credits to photographers and artists are used. “Whether we buy them from a photographer or image service or use ones provided in what is called a Media Library on such platforms as WordPress, searching for just that right image to illustrate an article we’re publishing can be extremely difficult if the image you want is first that of an “older person,” admits Thomas.

Thomas, who ran a marketing company and held senior communications positions for over 30 years, says “it’s the hardest search we’ll do.”

According to Thomas, common searches for “a dog and family,” a “child in daycare”, “people camping” or “networking” are pretty simple, but it is more difficult to find group shots featuring accurate age spectrums and finding no person looking older than 40. “Looking back years ago,” she says, “there were no people of color, but today that has changed significantly.”

“But older people? Aging? You might find them in a nursing home setting, in a bed, with a younger person holding their hand. And then there is the active couple, running gently at the water’s edge. Or sitting at a Thanksgiving table,” quips Thomas.

“But to find an older person at work? At a training meeting? Maybe even doing the training?  It’s hard to find. At a computer? Only if someone is at their shoulder, ‘helping them’. But no doctors – they all look 30 years old. No accountants. No writers. Or even people in therapy. All young,” she says.

“It’s a conundrum, and entirely unfair for small communication and marking firms and news sites. “We’ve written to WordPress expressing our suggestion that the next time they make paid assignments to add to their Media Library they think about common images to show older people in everyday settings. At work. Watching television. Cooking. Doing art. Having a spa day. At the playground with their grandchildren. Shopping. As the medical expert. Or technician,” says Thomas, noting that “All images amazingly absent.”

Thomas adds: “When we do find images of older men and women, how often are they in muted colors? Wearing sweaters. Or, of course, there are the handsomely grey-haired men with the twinkle in their eye.  We wonder what AI will bring to the table, being programmed, as it were, by younger people?  Request an image of grandma and grandpa playing with their newborn grandchild – see what you get,” she asks.

“Let’s push back against being seen, regardless of our age, as either “the wealthy” or “the impoverished” – most of us, regardless of our age, are somewhere floating up and down in the middle. A healthy dose of realism led by the photographs we show, and the images we keep, is due all the way around,” says Thomas. 

A suggestion for AARP – beyond studies – to solution!

Thomas went on to suggest one thing AARP could change much of this. They could create a bank of photos that groups could use with “approved” AARP images (even giving an AARP credit line so small websites and publication sites could dramatically improve their images overnight – not only would AARP be creating an almost instant solution, they could add a small fee to subscribe to the service that would help fund their future studies into issues of concern for aging Americans.

On-line Imagery Should Accurately Reflect Society

According to Betty Galligan, APR, president of Pawtucket-based Newberry Public Relations and Marketing, as the AARP study points out, the creative media industry has a long way to go in portraying life as an older person in today’s society. In addition to photo and video imagery on news sites and social media platforms, streaming video content is an opportunity that holds a lot of influence to normalize the way we see 50-plus adults. “It would be wonderful to see a romantic series or movie featuring an older leading man or woman who uses a wheelchair or walker to get around. Or to show more older heroes and heroines in the workplace. “The Intern” movie with Robert DeNiro and Anne Hathaway comes to mind, as does the stereotype of Meryl Streep’s character in “The Devil Wears Prada”,” she says.

Online media shapes and informs public opinion, and its influence is evident in the way people view older adults, says Galligan. “The recently released AARP study reveals a positive shift because the 50-plus population today is indeed way more active than in past generations,” she said.

 “We all know a grandparent who is using text messaging, TikTok and technology to keep up with their grandchildren. We also know older folks who are athletic and energetic well into their 80s, sometimes more so than their younger counterparts. Marketing imagery should hold up the proverbial mirror to society and reflect this,” adds Galligan, who has worked in the Boston and Providence advertising sector for nearly 40 years.

In the past, successful advertising and marketing was ideally aspirational, reflecting what consumers desire to be versus what they actually are,” observes Galligan. “At its core, it can be deceptive. Images depicting stereotypes of a thin model smoking, for example, drove sales for cigarette brands especially among women who used smoking as a diet aid,” she said, stressing that today’s realism is in vogue.

“Popular reality TV shows, the “celebrification” of ordinary people, citizen  journalism on social media platforms all play a role in portraying the average person (including older adults) in ways we’ve not experienced before,” notes Galligan.

Galligan notes that people are healthier than in past decades, living longer and with more vitality. In general, the 50-plus market segment has greater disposable income, so it’s no wonder that brands are embracing this demographic reality. “Marketing has become bolder and more inclusive than before – case in point, ads depicting older same-gender couples and ladies wearing disposable garments for incontinence, says Galligan.

To get AARP’s 2018 Media Landscape review, go to https://www.aarp.org/research/topics/life/info-2019/age-representation-in-online-media-images.html.

To get AARP’s latest (2024) latest Media Landscape review, go to:

https://www.aarp.org/content/dam/aarp/research/topics/aging-experience/demographics/ageism-online-media.doi.10.26419-2Fres.00852.001.pdf.

Learn more about this study at AARP.org/50plusmedia.

Spotlight on scams and frauds targeting older Americans 

Published in RINewsToday on September 23, 2024 

Although the U.S. Senate Special Committee on Aging, initially established in 1961 as a temporary committee, later becoming a permanent Senate Committee in 1977, has no legislative authority, it studies an array of issues related to older Americans. Last week, U.S. Senator Bob Casey (D-PA), Chairman of the U.S. Senate Special Committee on Aging, held a full Committee Hearing, taking a look at an important issue impacting older Americans, the rampant increase of scams and frauds.

The hearing entitled “Fighting Fraud: How Scammers are Stealing from Older Adults,” lasting over one hour and thirty minutes, highlighted the psychological and economic impacts that frauds and scams have older adults, who are disproportionately targeted by fraudsters.

During the hearing, held on Sep. 19, Casey unveiled the Aging Committee’s 9th annual Fraud Book, “Fighting Fraud: Scams to Watch Out For.” The 93-page book, hot off the press, provides seniors with an overview of the most prevalent scams to help them identify and avoid being victimized. The Fraud Book also contains valuable resources for scam victims.

At this hearing, Casey also touched on the 2017 Republican tax law, called “Scammed Then Taxed,”which details how the law’s repeal of the theft loss deduction has imposed significant taxes on many scam victims.

The 91-page Majority Staff Report details the results of a months-long investigation examining how the removal of the casualty and theft loss tax deduction—repealed by Republicans in the 2017 tax law has devastated many American fraud victims.

This report details how some older adults—who lose the most to frauds and scams—are now facing huge tax bills on top of losing all their assets, leading them to feel as though they have been victimized twice.

According to the report, for a century, the theft loss deduction allowed taxpayers who experienced theft to receive a tax deduction to offset their losses. The repeal of this provision has meant that fraud victims are now often obligated to pay taxes on money that has been stolen.

Keeping Scammers from Stealing from Older Adults

In his opening statement, Casey stated: “At today’s hearing, we heard tragic stories from scam victims and law enforcement about how fraudsters are getting more sophisticated and aggressive with their scams and throwing the lives of older adults into chaos.” The Pennsylvania Senator stressed the importance of educating older adults about the threats they face from frauds and scams.

Casey rattled off a list of common scams, detailed in the released Fraud Book, including grandparent scams, investment scams, tech support scams, to name just a few.

With the advent of Artificial Intelligence, scammers have now gotten even more sophisticated, especially by cloning the voice, warned Casey, making their phone and online message even more convincing to the older victim.

“That may explain why recent FBI data shows that fraud losses among older adults have gone up in recent years – reaching $3.4 billion in 2023,” says Casey.

Casey also called for more resources to be provided to persons who have been victimized by scams, including those who have been forced to pay taxes on money they’ve lost due to changes in the 2017 Republican tax law.

Like Casey, in his opening statement Ranking Member Mike Braun (R- Indiana) also stressed the need to prioritize education and outreach to older adults help them to recognize red flags that warn of scams.

“Our community banks and credit unions are often the first line of defense intervening on transactions that just don’t add up,” says Braun. “In my home state of Indiana, one community bank has been able to stop over $1.2 million worth of scams this year,” he notes.

According to Braun, last year Medicare lost an estimated $60 billion due to fraud, errors, and abuse. “Every dollar lost to fraud is a dollar that can be spent on vital programs for American seniors,” he says.

The Indiana Senator noted that he has requested the U.S. Government Accountability Office (GAO) to initiate a full audit of Medicare fraud. The GAO has begun its audit in July, says Braun, noting it to be the most comprehensive audit in Medicare’s history.

And Braun expects the GAO investigation to uncover “how much fraudsters are stealing from the American taxpayer” and to revamp the current Medicare Fraud Prevention System to reduce fraud taking place. 

Witnesses testifying before Senate Aging Committee

Casey invited Susan Whittaker, an Administrative Assistant at Lehigh County Aging and Adult Services in Allentown, Pennsylvania, to testify at the hearing about her late husband’s experience as a QuickBooks scam victim.  At the time of the scam, Bill, 75, suffered from dementia along with other chronic conditions.

Susan told Senators that her husband had received an email receipt on Tuesday, that appeared to be from QuickBooks. It claimed that a software upgrade fee of $499 had been charged to the business account that Bill used to manage his son’s company.  He knew that he hadn’t purchased this upgrade.  Calling the company and requesting a refund, he was told to pay $500 upfront, thru a created Venmo account, install an application on his computer and provide personal financial information.  Once done, Bill would get his money back.

On Friday, by the time Susan had learned about the financial transaction, $28,000 had been withdrawn from their accounts. Although the bank ultimately recovered $8,000 the following week, $20,000 was gone — money that her husband was planning to use to buy medications.  And he lost his job, too.

“This scam was devastating and had a devastating effect on Bill—both financially (losing $20,000) and emotionally,” stated Susan, forcing her husband to begin rationing his medications.

“We just couldn’t afford them [medications] anymore… He also lost his sense of self-worth. I was really sad to see this very intelligent and past business owner, become so afraid to read emails and use a phone. It was a huge setback for him, and I think contributed to his worsening health conditions…he stopped living,” said Susan.  

Kathy Stokes, Director of AARP’s Fraud Prevention Program, told Senators that there has been a “meteoric” growth in fraud crimes. When considering fraud that goes unreported, Stokes noted that the Federal Trade Commission estimated the cost of fraud at $137 billion in 2022.  But most fraud experts say that this is far higher than the $ 8.9 billion in losses reported that year, she added.

Beyond educating seniors about fraud prevention thru the sharing of information online at aarp.org/fraudwatchnetwork, AARP covers the issue in AARP the MagazineAARP Bulletin, biweekly emails or text ‘watchdog alert newsletter,” and on its podcast “A Perfect Story,” notes Stokes.

“Beyond education, AARP is unique in its focus on supporting victims of fraud and their families,” says Stokes, noting that its Fraud Watch Network Helpline receives 500 calls a day.

“Addressing fraud requires more than piecemeal solutions; it demands a whole-of-society approach,” warns Stokes. “But together, educators, policymakers, law enforcement and industry can turn the tide against vicious crime gangs who hold the power right now. Together we can disrupt their business model, protect millions of consumers, and keep billions of dollars in saving and retirement accounts and in our economy,” she says.

“Currently, we are all failing the very people who need us the most: older adults- m any of whom can’t afford to lose anything, let everything. We are failing in our most basic duties to protect those in their golden years who are living off their nest eggs they worked for their entire lives and who are beyond the ability to rejoin the workforce to make the money back,” charged Scott Pirrello, who oversees the San Diego District Attorney’s Office’s Elder Abuse Prosecution. 

“Too many very well intended programs are not implemented in a way to truly impact the tsunami of fraud that we are facing each day,” he said.

Pirrello told the Senators about the success of the Elder Justice Task Force (EJTF), created by his office, working with the San Diego FBI, to combat elder fraud. Oversea scammers depended on organized networks of money launders operating in the United States, he said, noting that EJTF worked to disrupt these networks.

Like the other witness, Pirrello called for investing in education, as well as adequately fund task forces like the EJTF, to fight against scammers.

One of the biggest crimes affecting Medicare beneficiaries and persons with disabilities is Medicare fraud, waste and abuse, says Nancy Gilmer Moore, who works for the Indiana Association of Area Agencies on Aging managing its Senior Medicare Program. “Health care experts estimate improper Medicare payments are approximately $ 60 billion a year,” she says.

Gilmer Moore admitted to the Senate Aging Panel that she was personally the target of the “Intermittent Urinary Catheter fraud scheme.  Medicare paid the fraudsters $1,500 a month (for supplies never ordered) before she noticed it on her statement. Moore ultimately reported the suspicious claims to Centers for Medicare and Medicaid Services and requested a new Medicare number since her number was compromised.

“Be on the lookout for duplicate billing, services or products not rendered or received and services not ordered by their physicians,” urged Gilmer Moore, noting that beneficiaries and caregivers should never give their Medicare number or financial information over the telephone to an unknown called.  Medicare does not make. unsolicited phone calls.

For information on fraud prevention, go to aarp.org/fraudwatchnetwork.

To download a copy of the 2024 Fraud Book, go to https://www.aging.senate.gov/imo/media/doc/2024_fraud_book_english.pdf.

To watch the Senate Aging Panel’s hearing on fighting fraud, go to https://www.aging.senate.gov/hearings/fighting-fraud-how-scammers-are-stealing-from-older-adults.

To see the Majority Staff Report, “Scammed Then Taxed,” go to

https://www.casey.senate.gov/news/releases/scammed-then-taxed-casey-unveils-new-report-showing-how-republican-tax-law-further-devastated-scam-victims