Members of Ohio's military community have a new tool in their arsenal to help fight rising fraud.

The AARP Veterans Fraud Center is a free, online resource to help veterans learn about common scams targeting them and their families.

AARP said veterans, active-duty service members and family members are 40% more likely to lose money to scams and fraud than the civilian population.

Mike Kessler, a volunteer at the Central Ohio AARP Fraud Watch Network, explains as a group, veterans lost more than $267 million last year, a 162% increase from 2020. He believes the amount could be much higher.

"A lot of times what we see are that people are victims, and they don't want to talk about it in public," Kessler acknowledged. "They don't want people to think that maybe they're losing their edge, or that they're just not smart enough to have spotted it. And they'd rather take the loss than share that with other people."

To help prevent fraud, Kessler suggested signing up for the National Do Not Call Registry and using a call-blocking service, having strong and unique passwords for each online account, and placing a free security freeze on credit reports at each of the three major credit bureaus.

An AARP survey found one in three military members or veterans lost money to scams specifically trying to take advantage of the trust they have in the military community. Kessler pointed out con artists have many tricks up their sleeves.

"'I was a colonel in the Army, or my brother died in Vietnam,' something to develop that common bond," Kessler outlined. "Another way is scarcity: 'There's very few benefits left, you better get it right now.' Or phantom riches: 'You can get rich beyond your wildest dreams by barely doing anything.' "

AARP Ohio also has trained volunteers who can speak to veterans groups, faith communities and others about fraud prevention. It is how Kessler learned the story of an Ohio woman who was the victim of a "grandparent scam." He explained someone posing as her grandson, who was serving in the Army, called and told her he needed to get to Canada for his best friend's wedding, but his airline ticket had been stolen.

"And this woman did send the money because, 'My grandson's fighting for our country, and he needed it right now. His voice didn't sound right but, you know, Afghanistan's so far away, I wired him the money,' " Kessler recounted.

Monday is the start of Arizona's new legislative session. Advocacy groups such as AARP Arizona are gearing up and say they're ready to work to ensure older Arizonans have the quality of life they deserve.

Brendon Blake, director of advocacy at AARP Arizona, said one of its priorities is a bill sponsored by state Rep. Quang Nguyen, R-Prescott Valley, which would allow family members to install a camera in their loved one's room at a long-term care facility.

Blake said they're eager to get to work with lawmakers, regardless of political party.

"It is meeting new faces, it is getting to have a relationship with members on both sides of the aisle and both chambers, so that way they know what we're all about," he said. "And I would say that is our biggest hurdle, is just getting to an introduction."

Blake said AARP Arizona also sits on the Vulnerable Adult System Study Committee, which will be meeting throughout the year to prepare legislation for 2026 to protect vulnerable adults. He suggested that all Arizonans learn about the legislative process and get involved.

Scammers stole close to $500 million worth of cryptocurrency last year. Blake said cryptocurrency scams are a growing issue in Arizona and around the country, but added that AARP Arizona will work to prevent them by educating folks on the risks of using cryptocurrency ATMs.

"People are putting their money, and in some cases their life savings, into a cryptocurrency ATM," he said, "and that is one thing that was brought to our attention that our national office has gotten behind us on, that we are hoping to work on as well - at the very least, educate legislators on this."

In 2023, the FBI's Internet Crime Complaint Center received more than 69,000 complaints from the public about financial fraud related to cryptocurrency.

Blake said people shouldn't be shy about reaching out to their legislators. He said many times lawmakers are more receptive to constituents than to advocates such as himself.

"Because they see me as someone who is getting paid to do this," he said, "and they see you as somebody who could impact their next election, especially in some of these really swing districts."

With 2025 almost here, Connecticut organizations are preparing for the next legislative session.

The 2025 session will not be as short as the one in 2024 and after some committee shortcomings, there is growing hope more legislation will be passed to help the state's older residents. AARP Connecticut said it will target topics like predatory lending, making utilities more affordable and improving nursing home care.

Nora Duncan, state director of AARP Connecticut, said they want to focus on 'pocketbook issues.'

"We need to fight for the priorities that can impact the most amount of people to help reduce their cost of living to make Connecticut a great place for people to live, age and retire," Duncan contended.

The latest ALICE update found salaries for most Connecticut jobs do not pay enough for monthly expenses like rent and utilities. ALICE stands for "Asset Limited, Income Constrained and Employed," referring to those who are working but still cannot cover their bills.

Electric utility Eversource has announced a 24% rate increase starting in 2025. Federal data show Connecticut has some of the highest energy costs in the country.

As important as cost-saving priorities are to residents, there could be challenges to achieving them. Some of them are political but Duncan acknowledged there will be many others.

"When there's a budgetary impact, the challenge is always what are the priorities of the General Assembly and other advocacy groups? What are the challenges to the state budget?" Duncan explained. "I know this year there'll be a lot of conversation around the fiscal guardrails."

New studies show some of the budget's fiscal guardrails are twice as restrictive as they are meant to be. A Connecticut Voices for Children report concluded the state's volatility cap is not using reasonable metrics, which has led to at least $755 million per year in revenue being restricted, or more than $5 billion between 2018 and 2024.

As winter sets in for Pennsylvania, it is crucial to be cautious of fall hazards, especially for seniors.

The Centers for Disease Control and Prevention reported in one recent year, more than 616,000 older adults took a fall in Pennsylvania.

Gwen Bergen, Safety Promotion Team leader at the CDC, said falls and motor vehicle crashes are the two leading causes of injury and death among seniors. She suggested getting an eye exam and doing strength-building exercises to improve balance and prevent injuries.

"It's very important to get annual vision checks, and make sure that your vision is good, you're wearing the best glasses for each activity you're doing," Bergen recommended. "Vision is very important in allowing you to drive safely and in preventing falls."

Bergen advised consulting with a health care provider about potential side effects of medications, which can affect balance or driving ability. There may be alternatives or adjustments to minimize risks.

Bergen added during the winter months, some older adults may feel especially isolated or disconnected from family or friends. She acknowledged it takes a little more effort to stay engaged when the weather is not cooperating but there are hobbies, classes and physical activities available in every community.

"Visit community areas near you such as parks, places of worship and senior centers, which all give you opportunities to connect with other people," Bergen emphasized. "You can also engage in new activities and hobbies with others. Some of these might include cooking and baking, sports or crafts."

She added it is important for seniors to maintain regular, in-person interactions and when it is not possible, phone calls or video chats are good options.