Financial Abuse - Finances

Financial abuse can take several forms, including limiting a person’s access to money or assets or hiding information regarding family finances. Taking money, and/or property, forging someone else’s signature on financial documents, or convincing someone to sign over finances or property to you (either immediately, or via a will or deed) through deception or coercion are all forms of financial abuse. The abuser may be a spouse, sibling, adult child of an elder, neighbor or extended family member. Laws are in place in Canada to protect any member of society from various forms of abuse, and this includes certain types of financial abuse. Do you have concerns about financial abuse within your own family or that of a loved one? Are you the victim of financial abuse, and wondering what your rights are? Or do you wish to report a person whom you think may be in need of help or protection, but don’t know who to call? Kinjunxion is here to help with empathetic and understanding sources of support and information.

You are not alone. Connect with others who may be going through the same thing, find professional help and resources near you. The Kinjunxion community is here to help.

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Exposing Financial Abuse

When Money Is a Weapon

Aging and Money

Reducing Risk of Financial Exploitation and Protecting Financial Resources

Increasingly, we hear of more and more elders falling victim to financial exploitation. Although this form of elder abuse has been recognized for years, its incidence, prevalence, and impact on the common individual has been only more recently brought to the spotlight. Despite these circumstances, recognition of risk factors and indicators of financial exploitation are not widely disseminated. Additionally, once situations are identified and confronted, the knowledge of what to do next is lacking. These gaps are present within the medical community, law-enforcement, and the finance community – areas where opportunities for recognition and intervention are common. Our elders often have no idea of what to do when they see their own risk or when they fall victim. Aging and Money: Reducing Risk of Financial Exploitation and Protecting Financial Resources helps clinicians to integrate identification of such indicators of abuse into their geriatric assessment as well as guide them in performing an assessment of an individuals’ financial decision making capacity when appropriate. Aging and Money: Reducing Risk of Financial Exploitation and Protecting Financial Resources is an essential new text that provides the practicing clinician with information on identifying risk factors and clinical clues associated with financial exploitation and how to incorporate these steps into their practice.

Financial Exposure

Carl Levin's Senate Investigations Into Finance and Tax Abuse

At a time when Congressional investigations have taken on added importance and urgency in American politics, this book offers readers a rare, insider's portrait of the world of US Congressional oversight. It examines specific oversight investigations into multiple financial and offshore tax scandals over fifteen years, from 1999 to 2014, when Senator Levin served in a leadership role on the US Senate Permanent Subcommittee on Investigations (PSI), the Senate's premier investigative body. Despite mounting levels of partisanship, dysfunction, and cynicism swirling through Congress during those years, this book describes how Congressional oversight investigations can be a powerful tool for uncovering facts, building bipartisan consensus, and fostering change, offering detailed case histories as proof. Grounded in fact, and written as only an insider could tell it, this book will be of interest to financial and tax practitioners, policymakers, academics, students, and the general public.

Safe and Secure

10 Essential Steps for Seniors to Protect Against Financial Abuse

Thieves and scammers are on the prowl for easy targets who have significant exposed assets—and if you're a senior citizen who saved for retirement, you may be the perfect mark. Fran Tarkenton, the NFL Hall of Fame quarterback who became a succesful entrepreneur, has partnered with certified public accountant and financial executive Rick Gossett to present this practical, up-to-date guide to scam-proofing your savings during your golden years. Safe & Secure will give you ten specific actions steps that will turn you from an “easy” target into a “hard” target. A well-prepared senior who understands the potential for financial abuse and has taken the precautions recommended in this book is more than likely to remain safe and secure through a long and comfortable retirement. “As our country gracefully ages, we need to make sure to do all we can to protect the elderly—from their health, to their mind, to their finances. Once again, a man we all trust and respect has stepped forward and answered the call. With his simple and effective ways of explaining important concepts, legend Fran Tarkenton is doing his part to keep the elderly safe, drawing on his successful career both on and off the football field.” —SANJAY GUPTA, Assistant Professor of Neurosurgery at Emory University and CNN Chief Medical Correspondent “From helping us all recognize that we’re potential targets to providing easily comprehensible and implementable solutions, Fran Tarkenton and Rick Gossett have provided an extremely invaluable and indispensable resource. Elder nancial abuse will remain a major concern as our population ages. The tools presented here can help everyone be prepared and less likely to be a victim.” —THOMAS E. PRICE, MD, former Secretary of Health and Human Services and former member of US House of Representatives

Financial Abuse of the Elderly; A Detective's Case Files of Exploitation Crimes

The author is a Florida detective recognized as an expert investigator of exploitation crimes who presents 11 shocking and factual investigations. He dispels the myths of this misunderstood crime while providing specific and practical prevention advice.... How to recognize exploitation, expose exploiters and help them to incriminate themselves....Easy legal steps to take to prevent someone from emptying an elder's bank accounts if they should lose mental capacity...How to protect yourself while you still can. Preview the book now.

Healing from Hidden Abuse

A JourneyThrough the Stages of Recovery from Psy Chological Abuse

Healing from Hidden Abuse takes the reader through the six stages of recovery that are necessary for individuals to find important answers to the life chaos they have experienced.

Elder Mistreatment

Abuse, Neglect, and Exploitation in an Aging America

Since the late 1970s when Congressman Claude Pepper held widely publicized hearings on the mistreatment of the elderly, policy makers and practitioners have sought ways to protect older Americans from physical, psychological, and financial abuse. Yet, during the last 20 years fewer than 50 articles have addressed the shameful problem that abusersâ€"and sometimes the abused themselvesâ€"want to conceal. Elder Mistreatment in an Aging America takes a giant step toward broadening our understanding of the mistreatment of the elderly and recommends specific research and funding strategies that can be used to deepen it. The book includes a discussion of the conceptual, methodological, and logistical issues needed to create a solid research base as well as the ethical concerns that must be considered when working with older subjects. It also looks at problems in determination of a report’s reliability and the role of physicians, EMTs, and others who are among the first to recognize situations of mistreatment. Elder Mistreatment in an Aging America will be of interest to anyone concerned about the elderly and ways to intervene when abuse is suspected, including family members, caregivers, and advocates for the elderly. It will also be of interest to researchers, research sponsors, and policy makers who need to know how to advance our knowledge of this problem.

Encyclopedia of Retirement and Finance

Crime and Elder Abuse

An Integrated Perspective

Brian K. Payne is professor and chair of the Department of Sociology and Criminal Justice at Old Dominion University.

Broken Trust

Elders, Family, and Finances : a Study on Elder Financial Abuse Prevention

Geriatric Forensic Psychiatry

Principles and Practice

Geriatric Forensic Psychiatry: Principles and Practice is one of the first texts to provide a comprehensive review of important topics in the intersection of geriatric psychiatry, medicine, clinical neuroscience, forensic psychiatry, and law. It will speak to a broad audience among varied fields, including clinical and forensic psychiatry and mental health professionals, geriatricians and internists, attorneys and courts, regulators, and other professionals working with the older population. Topics addressed in this text, applied to the geriatric population, include clinical forensic evaluation, regulations and laws, civil commitment, different forms of capacity, guardianship, patient rights, medical-legal issues related to treatment, long term care and telemedicine, risk management, patient safety and error reduction, elder driving, sociopathy and aggression, offenders and the adjudication process, criminal evaluations, corrections, ethics, culture, cognitive impairment, substance abuse, trauma, older professionals, high risk behavior, and forensic mental health training and research. Understanding the relationship between clinical issues, laws and regulations, and managing risk and improving safety, will help to serve the growing older population.

The Money Book for Freelancers, Part-timers, and the Self-employed

The Only Personal Finance System for People with Not-so-regular Jobs

Shares strategies for accumulating real-world wealth while staying independently employed, distilling lessons from a variety of sources effectively used by the authors during the recent financial crisis.

Financial Literacy

Creating financial freedom

Women and Finance

Sexual Abuse Survivors

Financial Health & Literacy

EFT for Financial Abundance

Healing from Sexual Abuse

Adults abused as children

Film Financing

Business Development Bank of Canada - Halton Business Centre

A federal Crown corporation wholly owned by the Government of Canada and mandated as Canada's business development bank * mission is to help create and develop strong Canadian businesses through financing, consulting services and securitization, with a focus on small and medium-sized enterprises.

Supports entrepreneurs in all industries and at all stages of development from more than 100 business centres across Canada and online at bdc.ca.

Major services include:
Financing:
Term loans such as realty and equipment loans, working capital loans, start up loans.

Consulting:
Expert advice to help businesses be more competitive * a national network of consultants who can help businesses solve problems, improve performance and help achieve the most ambitious goals.

BDC Capital:
Offers innovative solutions with terms and conditions tailored to meet the unique needs of entrepreneurs and innovators looking to raise capital for their growth and transition projects.

Catholic Family Services of Hamilton - Elder Abuse / Neglect

Provides intensive case coordination with an in-depth, personalized, flexible and creative approach. Specializes in elder abuse, including physical, psychological/verbal, financial, neglect or self-neglect. Service is free and confidential.

Burlington. Finance Department - Assessment & Taxation Section - Burlington City Hall

This division of the Finance Department collects property taxes and administers Seniors' grants, charity rebates and vacancy rebates.

For questions regarding property assessment, call the Municipal Property Assessment Corporation 1-866-296-6722

Business Development Bank of Canada - Hamilton Branch

Financial institution owned by the Government of Canada

Financial services: Terms loans * subordinate financing * venture capital

Consulting services: Business planning * financial planning * marketing research * ISO standards * human resources * technology and innovation * business transition

Catholic Family Services of Hamilton - Elder Abuse / Neglect

Provides intensive case coordination with an in-depth, personalized, flexible and creative approach. Specializes in elder abuse, including physical, psychological/verbal, financial, neglect or self-neglect. Service is free and confidential.

Burlington. Finance Department - Property Tax Reduction / Deferral - Burlington City Hall

Tax Rebate / Reduction
1. Low Income Seniors Property Tax Rebate
* City of Burlington property tax rebate of $ 525 for eligible seniors (see "Eligibility" below)
* application deadline December 31 each year
Contact or see website for more information and application form

Tax Deferrals
Note: using a tax deferral will make homeowner ineligible for tax rebate, and may have impact on other tax credits

1. Low-Income Seniors and Persons with Disabilities Property Tax Increase Deferral
Defers increases in property taxes
* for low income seniors and low income persons with disabilities (see "Eligibility" below)
* a Region of Halton program, administered by the four local municipalities
* allows eligible homeowners to defer property tax increases to keep payments at a constant level as long as the property is their principal residence
* accumulated total of all deferred amounts is paid when property is sold or no longer the applicant's principal residence
* a lien is registered against the property at the time of the first deferral, and applies to all future deferrals
* application must be made annually, on or before 45 days after the mailing of the final property tax bill, which normally occurs in early June
Contact or see website for more information and application form

2. Older Adults Property Tax Deferral Program
Defers the full amount of property taxes for older adults under a certain income
* deferral is interest-free, but a lien is registered against the property
For more details, see full record here

Ontario. Ministry of the Attorney General, Court Services - Victim / Witness Assistance Program - Hamilton Central

Information, assistance and support to increase participation in the criminal court process * case-specific information (court dates, bail conditions) * trial preparation * liaise with Crown Attorneys and police * needs assessment * victim advocacy * emotional support * crisis intervention * referrals to community agencies

Vulnerable Victims and Family Fund – financial help and court-based supports for victims of violent crime and families of homicide victims * assistance with travel to attend key court dates * language interpretation * real-time captioning or other equipment for victims with disabilities

Catholic Family Services of Hamilton - Elder Abuse / Neglect

Provides intensive case coordination with an in-depth, personalized, flexible and creative approach. Specializes in elder abuse, including physical, psychological/verbal, financial, neglect or self-neglect. Service is free and confidential.

Burlington. Finance Department - Property Tax Reduction / Deferral - Burlington City Hall

Tax Rebate / Reduction
1. Low Income Seniors Property Tax Rebate
* City of Burlington property tax rebate of $ 525 for eligible seniors (see "Eligibility" below)
* application deadline December 31 each year
Contact or see website for more information and application form

Tax Deferrals
Note: using a tax deferral will make homeowner ineligible for tax rebate, and may have impact on other tax credits

1. Low-Income Seniors and Persons with Disabilities Property Tax Increase Deferral
Defers increases in property taxes
* for low income seniors and low income persons with disabilities (see "Eligibility" below)
* a Region of Halton program, administered by the four local municipalities
* allows eligible homeowners to defer property tax increases to keep payments at a constant level as long as the property is their principal residence
* accumulated total of all deferred amounts is paid when property is sold or no longer the applicant's principal residence
* a lien is registered against the property at the time of the first deferral, and applies to all future deferrals
* application must be made annually, on or before 45 days after the mailing of the final property tax bill, which normally occurs in early June
Contact or see website for more information and application form

2. Older Adults Property Tax Deferral Program
Defers the full amount of property taxes for older adults under a certain income
* deferral is interest-free, but a lien is registered against the property
For more details, see full record here

Thrive Counselling - Thrive Counselling, Oakville Head Office - Oakville Head Office

Major services:
Counselling
* individual, couples, family and group treatment
* individual counselling for survivors of sexual abuse

Client advocacy
* assistance to cope successfully within the system

Financial Fitness/Credit Counselling

Employee assistance services
* improving employee welfare and productivity, trauma intervention, management, consulting

Grief counselling

Service for abused women
* individual and group counselling
* group counselling for children

Branch offices:
North Halton
Milton
Burlington

Women's Centre of Halton (The) - One-on-one Support Services - Oakville

One-on-one support services include:

Mental health advocate:
* for women struggling with depression, anxiety or other undiagnosed mental health challenges and are in need of mental health supports

Drop-in support:
* open to all women who may be going through a difficult time and are facing challenges in their everyday life
* peer supporters provide one-on-one support by phone, email or in person

Abuse/crisis counselling:
* one-on-one counselling for women dealing with the effects of abuse
* women will receive emotional support and guidance throughout the healing process with a focus on concrete plans for future safety

Life skills coaching:
* women dealing with low self-esteem can receive up to eight personalized life coaching sessions
* learn skills to find empowerment and boost self-esteem

Legal clinic:
* volunteer lawyers provide a free half hour legal advice session

Income tax clinic:
* a drop-in first come, first served basis
* tax preparation for low income women that includes advice on rebates and benefits including the Canada Child Tax Benefit and health care benefits
* call or visit for financial eligibility
* clinics run from the end of February to the end of March

* counselling services offered in various languages, call ahead

Halton. Finance Department - Older Adults Property Tax Deferral Program

The program allows older adult homeowners in Halton with low incomes to defer their full property taxes for as long as they remain eligible.
This allows participants to focus their financial resources on their day-to-day needs, helping them to stay in their homes and improving their overall quality of life.
If you qualify, the deferral of your property taxes is interest-free.