An Impact Study of the Consumer Budget Counseling Service of Milwaukee, Wisconsin
Author | : Genell Scheurell |
Publisher | : |
Total Pages | : 496 |
Release | : 1980 |
Genre | : Consumer credit |
ISBN | : |
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Author | : Genell Scheurell |
Publisher | : |
Total Pages | : 496 |
Release | : 1980 |
Genre | : Consumer credit |
ISBN | : |
Author | : American Council on Consumer Interests. Conference |
Publisher | : |
Total Pages | : 434 |
Release | : 1993 |
Genre | : Consumer education |
ISBN | : |
Author | : Noreen Clancy |
Publisher | : Rand Corporation |
Total Pages | : 44 |
Release | : 2007 |
Genre | : Business & Economics |
ISBN | : 083304205X |
The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 provided new requirements for bankruptcy filers and gave the U.S. Trustee Program (USTP) new areas of responsibility. One new requirement is that any individual filer must have received credit counseling during the 180 days before filing. USTP must develop measures of credit-counseling agency effectiveness, then apply those criteria to decide whether to reapprove those agencies. Complicating the effectiveness issue is the increased use of Internet-based credit counseling and whether the mode of delivery influences the counseling's adequacy and effectiveness. USTP asked RAND for help in examining what constitutes effective prebankruptcy credit counseling and how to measure it. The authors concluded that USTP should first explicitly identify the goals of prebankruptcy credit counseling; that there are no common standards or accepted sets of metrics for USTP to adopt in whole; and that there are no accepted views on the various modes of delivery. They recommend that USTP use certain upcoming reports to inform the process of developing measures of effectiveness and approving or reapproving credit-counseling agencies; that it consider whether an agency up for reapproval is providing the services stated in its initial approval application, as well as any pre- and post-testing that the agency conducts; that it survey prebankruptcy credit counselors; that it choose a few measures of effectiveness; and that it take some debtor characteristics into account when measuring agency effectiveness.
Author | : United States. National Commission on Consumer Finance |
Publisher | : |
Total Pages | : 322 |
Release | : 1972 |
Genre | : Consumer credit |
ISBN | : |
Author | : Giuseppe Bertola |
Publisher | : MIT Press |
Total Pages | : 389 |
Release | : 2006 |
Genre | : Consumer credit |
ISBN | : 0262026015 |
Cross-national analysis of empirical, theoretical, and policy issues in the consumer credit industry, including household debt, credit card usage, and bankruptcy.
Author | : Dorothy B. Durband |
Publisher | : Springer |
Total Pages | : 244 |
Release | : 2018-10-16 |
Genre | : Social Science |
ISBN | : 3319725866 |
"This text is a valuable new resource that we recommend for all of our professionals and are proud to incorporate as part of our AFC® certification program. With expertise representing the breadth and depth of the financial counseling profession, the content in this text provides you with a rigorous foundation of knowledge, considers critical theoretical models, and explores foundational skills of communication, self-awareness, and bias. This type of comprehensive approach aligns with our mission and vision—providing you with the foundational knowledge to meet clients where they are across the financial life-cycle and impact long-term financial capability." -Rebecca Wiggins, Executive Director, AFCPE® (Association for Financial Counseling and Planning Education®) This timely volume presents a comprehensive overview of financial counseling skills in accessible, practical detail for readers throughout the career span. Expert financial counselors, educators, and researchers refer to classic and current theories for up-to-date instruction on building long-term client competence, working with clients of diverse backgrounds, addressing problem financial behavior, and approaching sensitive topics. From these core components, readers have a choice of integrated frameworks for guiding clients in critical areas of financial decision-making. This essential work: · Offers an introduction to financial counseling as a practice and profession · Discusses the challenges of working in financial counseling · Explores the elements of the client/counselor relationship · Compares delivery systems and practice models · Features effective tools and resources used in financial counseling · Encourages counselor ethics, preparedness, and self-awareness A standout in professional development references, Financial Counseling equips students and new professionals to better understand this demanding field, and offers seasoned veterans a robust refresher course in current best practices.
Author | : John C. Mowen |
Publisher | : Springer Science & Business Media |
Total Pages | : 340 |
Release | : 2013-03-14 |
Genre | : Psychology |
ISBN | : 1475767080 |
Integrating control theory, evolutionary psychology, and a hierarchical approach to personality, this book presents a new approach to motivation, personality, and consumer behavior. Called the 3M, which stands for `Meta-theoretic Model of Motivation', this theory seeks to account for how personality traits interact with the situation to influence consumer attitudes and actions. The book proposes that multiple personality traits combine to form a motivational network that acts to influence behavior. Mowen argues that in order to understand the causes of enduring behavioral tendencies, one must identify the more abstract traits underlying surface behaviors. In constructing the 3M model, the author reports data from fifteen empirical studies employing over 3500 respondents. In this hierarchical model, four types of personality traits are identified: elemental, compound, situational, and surface traits. Eight elemental traits are proposed as forming the underlying dimensions of personality. Consistent with control theory, the research reveals that the elemental traits combine to form compound traits, such as self-efficacy, task orientation, playfulness, and competitiveness. These elemental and compound traits combine with situational influences to cause enduring behavioral tendencies within general situational contexts. Examples of situational traits investigated include impulsive buying, value consciousness, sports interest, and health motivation. In the 3M model the elemental, compound, and situational traits combine to yield surface traits, which are enduring dispositions to act in specific behavioral contexts. Five surface traits are empirically investigated in the book: compulsive buying, sports participation, healthy diet lifestyles, proneness to bargaining, and a tendency to frugality. Across these five studies, the empirical results reveal that the 3M model accounts for over 44% of the variance in the surface trait measures. By presenting a new meta-theory of motivation and personality that is testable, Mowen's 3M model accounts for high levels of variance in consumer behavior. By integrating the work of selected past and current theorists into a comprehensible whole, the 3M model provides coherence in a field currently dominated by conflicting ideas, theories, and approaches. The book provides evidence that by understanding the individual dispositions that underlie consumer behavior, public policy officials and marketing specialists can develop better communication programs to influence and persuade their target audiences. The book shows how to employ the 3M model to segment the marketplace, provide psychographic inventories, position brands, create promotional themes, and develop brand personalities.
Author | : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance |
Publisher | : |
Total Pages | : 160 |
Release | : 1994 |
Genre | : Business & Economics |
ISBN | : |
Author | : Jing J. Xiao |
Publisher | : Springer Science & Business Media |
Total Pages | : 423 |
Release | : 2008-01-03 |
Genre | : Psychology |
ISBN | : 0387757341 |
This handbook surveys the social aspects of consumer behavior, offering latest data and original research on current consumer needs as well as identifying emerging areas of research. This accessible volume (which can be read without advanced training in the field) starts with current concepts of risk tolerance, consumer socialization, and financial well-being, and moves on to salient data on specific settings and populations such as high school students and the older consumer.