CBS News
Credit score decline can be an early warning for dementia, study finds
Credit scores — used to gauge a person’s ability to fulfill their financial commitments — can also be an early warning sign of cognitive decline, according to research from the New York Federal Reserve and Georgetown University.
A person’s credit score, on average, starts to weaken in the five years ahead of a dementia diagnosis, while mortgage delinquencies start increasing three years prior, researchers found in an analysis of a nationally representative sample of credit reports and Medicare data on more than 2.4 million people spanning 2000-2017.
While not everyone in the early stage of Alzheimer’s disease and related disorders (ADRD) will fall behind on bills, for those that do, the scale of the change in delinquency is substantial. One year before diagnosis, average credit card balances in delinquency increase by more than 50% and average mortgage balances in delinquency are 11% higher, the researchers found.
Roughly 600,000 delinquencies on some debt will occur over the next 10 years as a consequence of yet-to-be diagnosed ADRD, they estimate.
“Our findings substantiate the possible utility of credit reporting data for facilitating early identification of those at risk for memory disorders,” the researchers state in the latest findings, which echo a 2020 study that found Medicare beneficiaries who go on to be clinically diagnosed with dementia are more likely to miss payments on bills as early as six years before diagnosis.
A progressive brain disorder that diminishes memory and cognitive skills over time, dementia affects roughly 15% of U.S. adults over 70. According to the Centers for Disease Control and Prevention, about 5.8 million people in the U.S. have Alzheimer’s disease and related dementias, including 5.6 million 65 and older.
The researchers hope to build an algorithm that will help predict who is likely to develop Alzheimer’s in the future, a tool that could be used by doctors in determining whether to recommend further screening. A predictive algorithm could prove to be a low-cost, easily scalable alternative to mass magnetic resonance imaging (MRI), for instance.
“It is important for family and friends to realize this happens before diagnosis, to look more holistically at finances and payment decisions that older adults might be making,” Wilbert van der Klaauw, economic research adviser on household and public policy research at the New York Fed, told CBS MoneyWatch. Family members should be on the lookout for situations such as “Does this person suddenly have new credit cards?” the economist advised.
Safeguarding finances
“These types of financial difficulties can happen long before there is a diagnosis,” Carole Roan Gresenz, a professor in Georgetown University’s McCourt School of Public Policy and the School of Health, said. People should think about starting conversations to “prevent some of these financial difficulties before they happen,” she added.
Those difficulties can include being susceptible to financial abuse, fraud or scams including identity theft or get-rich-quick schemes, according to Monica Moreno, senior director, care and support, at the Alzheimer’s Association. “Failure to address these problems or potential threats can put individuals living with dementia at great financial risk,” she stated.
The latest report “offers further evidence that challenges managing money or personal finances are common early warning signs of dementia,” Moreno said. “It is important for family members to identify those potential signs early and intervene as soon as possible,” she added.
And, even though treatment options are limited for Alzheimer’s and other memory-related disorders, early diagnosis can mean quicker financial planning and other changes to better safeguard those afflicted and their families.
“It can be challenging to tell how a close family member or friend is managing their personal finances because it’s often done independently, in private,” according to Moreno. “It can be even more challenging if you are not living with the person or only see the person occasionally because you may not see other disease-related warning signs that could indicate a problem.”
Still, in the early stages of Alzheimer’s disease, people are more likely to understand the importance of the issues and suspicious activities to avoid. “If you wait, these concepts will be more difficult to comprehend as your relatives’ memories and other executive functioning skills decline,” Moreno said.
How to discuss with loves ones
If a loved one is having difficulties managing their finances, the Alzheimer’s Association offers the following suggestions:
- Discuss with the person how a trusted family member or friend can help with either paying bills or setting up automatic billing to avoid late payments.
- Create a separate account where you can keep a small, agreed-upon amount of money that the person can use for recreational activities, meals with friends, etc.
- Sign up to receive automatic notifications for withdrawals from bank accounts or large charges to credit cards. If you set a charge or spending limit and if the person spends more than that, the bank or credit company will let you know.
- Request electronic bank and credit card statements and watch for unusual purchases or changes in how the person typically spends money.
- Sign up for the “Do Not Call” list at donotcall.gov to protect against telemarketing calls and potential phone scams.
CBS News
How to watch the Minnesota Vikings vs. Chicago Bears NFL game today: Livestream options, more
Getty Images
The Minnesota Vikings will take on the Chicago Bears today. The Vikings are currently 8-2, an impressive run so far this season, and will be looking to add a fourth win to their current streak after last Sunday’s 23-13 win against the Tennessee Titans. The Bears, on the other hand, are entering this game on the heels of a four-game losing streak after a tough 20-19 loss against the Green Bay Packers last Sunday.
Here’s how and when you can watch the Vikings vs. Bears game today, whether or not you have cable.
How and when to watch the Minnesota Vikings vs. Chicago Bears
The Vikings vs. Bears game will be played on Sunday, November 24, 2024 at 1:00 p.m. ET (11:00 a.m. PT). The game will air on Fox and stream on Fubo and the platforms featured below.
How and when to watch the Minnesota Vikings vs. Chicago Bears game without cable
You can watch this week’s NFL game on Fox via several streaming services. All you need is an internet connection and one of the top options outlined below.
Fubo offers you an easy, user-friendly way to watch NFL games on CBS, Fox, NBC, ABC, ESPN, and NFL Network, plus NCAA football channels. The Pro tier includes 200+ channels and unlimited DVR, while the Elite with Sports Plus tier adds NFL RedZone and 4K resolution. New subscribers get a seven-day free trial and all plans allow streaming on up to 10 screens simultaneously.
You can watch today’s game with a subscription to Sling’s Orange + Blue tier, which includes ESPN, ABC, NBC, and Fox. The plan offers 46 channels with local NFL games, nationally broadcast games and 50 hours of DVR storage. For complete NFL coverage, add Paramount+ to get CBS games, or upgrade with the Sports Extra add-on for additional sports channels like Golf Channel, NBA TV and NFL RedZone.
Watching NFL games, including Fox broadcasts, is simple with Hulu + Live TV, which includes 90 channels, unlimited DVR storage, and access to NFL preseason games, live regular season games and studio shows. The service includes ESPN+ and Disney+ in the subscription.
Want to watch today’s game live on your smartphone? If so, NFL+ streaming service is the solution you’re looking for. It lets you watch NFL Network and out-of-market games on mobile devices, with an upgrade option to NFL+ Premium that includes NFL RedZone for watching up to eight games simultaneously. Note that NFL+ only works on phones and tablets, not TVs.
CBS News
How to watch the Detroit Lions vs. Indianapolis Colts NFL game today: Livestream options, more
Nic Antaya/Getty Images
The Detroit Lions will face off against the Indianapolis Colts today. The Lions enter this game as top contenders with a near-perfect record of 9-1 so far this season. The Colts, who are 5-6 this season, could have a tough game on their hands against the Lions but will be looking to rack up another win after prevailing over the New York Jets in a tight game last Sunday.
Here’s how and when you can watch the Colts vs. Lions game today, whether or not you have cable.
Here’s how and when to watch the Detroit Lions vs. Indianapolis Colts
The Lions vs. Colts game will be played on Sunday, November 24, 2024 at 1:00 p.m. ET (11:00 a.m. PT). The game will air on Fox and stream on Fubo and the platforms featured below.
How and when to watch the Detroit Lions vs. Indianapolis Colts game without cable
You can watch this week’s NFL game on Fox via several streaming services. All you need is an internet connection and one of the top options outlined below.
Experience NFL action like never before with Fubo’s comprehensive sports streaming platform. From Sunday showdowns to primetime matchups, catch every NFL game across major networks including CBS, Fox, NBC, ABC, ESPN and NFL Network. Choose the Pro package to unlock 200+ channels and limitless DVR storage, or elevate your game-day experience with the Elite with Sports Plus package, featuring NFL RedZone’s commercial-free scoring highlights and stunning 4K quality.
Test drive the service with a no-commitment seven-day free trial, and share the excitement with family and friends — Fubo supports simultaneous streaming on up to 10 devices, so everyone can watch their favorite teams.
You can watch today’s game with a subscription to Sling’s Orange + Blue tier, which includes ESPN, ABC, NBC, and Fox. The plan offers 46 channels with local NFL games, nationally broadcast games, and 50 hours of DVR storage. For complete NFL coverage, add Paramount+ to get CBS games, or upgrade with the Sports Extra add-on for additional sports channels like Golf Channel, NBA TV and NFL RedZone.
Watching NFL games, including Fox broadcasts, is simple with Hulu + Live TV, which includes 90 channels, unlimited DVR storage, and access to NFL preseason games, live regular season games and studio shows. The service includes ESPN+ and Disney+ in the subscription.
Want to watch today’s game live on your smartphone? If so, NFL+ streaming service is the solution you’re looking for. It lets you watch NFL Network and out-of-market games on mobile devices, with an upgrade option to NFL+ Premium that includes NFL RedZone for watching up to eight games simultaneously. Note that NFL+ only works on phones and tablets, not TVs.
CBS News
How to watch the New England Patriots vs. Miami Dolphins NFL game today: Livestream options, more
Getty Images
The New England Patriots will face off against the Miami Dolphins in a game today at the Hard Rock Stadium in Miami. The Patriots have had an uneven season so far, coming into the game with a record of 3-8, including a 28-22 loss to the Los Angeles Rams on November 17. The Dolphins, however, haven’t fared much better this season as they enter the game with a record of 4-6, although they are coming off two wins in a row, the latest against the Las Vegas Raiders last weekend.
Keep reading to find out how and when to watch the New England Patriots vs. Miami Dolphins game today, even without cable.
CBS, Paramount+ and CBS Essentials are all subsidiaries of Paramount Global.
How and when to watch the New England Patriots vs. Miami Dolphins game today
The New England Patriots vs. Miami Dolphins game will be played on Sunday, November 24, 2024 at 1:00 p.m. ET (10:00 a.m. PT). The football game will be shown on CBS and streamed on Paramount+ and the platforms noted below.
How and when to watch the New England Patriots vs. Miami Dolphins game without cable
While CBS is available with many basic cable packages, you’ll have other viewing options, too for the Patriots-Dolphins game. Just understand that the below streaming options will require the use of an internet provider:
Paramount+: Watch CBS-aired NFL games without cable
With Paramount+ you’ll have multiple viewing options to choose from. You can catch NFL games on the Paramount+ Essential tier for just $7.99 each month or you can watch college football with a Paramount+ with Showtime subscription for $12.99 monthly. In addition to live streams of NFL games airing on CBS, you’ll get to watch additional live sporting events including NCAA college football, PGA Tour golf, soccer and more.
Get started with Paramount+ here today.
Amazon Prime Video: Add Paramount+ to your existing subscription
Already have an Amazon Prime Video account? Simply add Paramount+ to your current subscription to watch all the CBS-aired NFL games in addition to Paramount+ originals. The same prices from above apply, depending on which tier you choose. Not sure which is best for you? Don’t worry. Both options come with a free seven-day trial that can help you decide.
Watch the Patriots-Dolphins game on Amazon Prime Video.
Fubo: Watch the Patriots-Dolphins game for free
Looking for an inexpensive way to watch football? Fubo could be the best way to do so. The live TV streamer is currently offering a seven-day free trial and $30 off of your first month’s subscription. Once subscribed, you’ll gain access to all of their live sporting events immediately. And there will be a lot to choose from. Not only does Fubo come with access to NFL games airing on your local CBS channel, it also includes Fox Sunday NFC games, “Sunday Night Football” on NBC, “Monday Night Football” on ABC and ESPN and all of the games that air on the NFL Network. So don’t wait.
Get started with Fubo online now.
How to watch the Minnesota Vikings vs. Chicago Bears NFL game today: Livestream options, more
How to watch the Detroit Lions vs. Indianapolis Colts NFL game today: Livestream options, more
How to watch the New England Patriots vs. Miami Dolphins NFL game today: Livestream options, more
How to watch the Minnesota Vikings vs. Chicago Bears NFL game today: Livestream options, more
How to watch the Detroit Lions vs. Indianapolis Colts NFL game today: Livestream options, more