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Is Technology Enhanced Credit Counseling As Effective As In Person Delivery
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Book Synopsis Is Technology-Enhanced Credit Counseling as Effective as In-Person Delivery? by : John M. Barron
Download or read book Is Technology-Enhanced Credit Counseling as Effective as In-Person Delivery? written by John M. Barron and published by DIANE Publishing. This book was released on 2011-05 with total page 29 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Is Technology-Enhanced Credit Counseling as Effective as In-Person Delivery? by : John Barron
Download or read book Is Technology-Enhanced Credit Counseling as Effective as In-Person Delivery? written by John Barron and published by . This book was released on 2014 with total page 31 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper compares outcomes for borrowers who received face-to-face credit counseling with similarly situated consumers who opted for counseling via the telephone or Internet. Counseling outcomes are measured using consumer credit report attributes one or more years following the original counseling. The primary analysis uses data from a sample of 26,000 consumers who received credit counseling either in-person or via the telephone during 2003. A second sample of 12,000 clients counseled in 2005 and 2006 was provided by one of the agencies to examine Internet delivery. Technology-assisted delivery was found to generate outcomes no worse - and at some margins better - than face-to-face delivery of counseling services.
Book Synopsis Is Technology-enhanced Credit Counseling as Effective as In-person Delivery? by : John M. Barron
Download or read book Is Technology-enhanced Credit Counseling as Effective as In-person Delivery? written by John M. Barron and published by . This book was released on 2011 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper compares outcomes for borrowers who received face-to-face credit counseling with similarly situated consumers who opted for counseling via the telephone or Internet. Counseling outcomes are measured using consumer credit report attributes one or more years following the original counseling. The primary analysis uses data from a sample of 26,000 consumers who received credit counseling either in-person or via the telephone during 2003. A second sample of 12,000 clients counseled in 2005 and 2006 was provided by one of the agencies to examine Internet delivery. Technology-assisted delivery was found to generate outcomes no worse -- and at some margins better -- than face-to-face delivery of counseling services.
Book Synopsis Financial Literacy: A Federal Certification Process for Providers Would Pose Challenges by : Alicia Puente Cackley
Download or read book Financial Literacy: A Federal Certification Process for Providers Would Pose Challenges written by Alicia Puente Cackley and published by DIANE Publishing. This book was released on 2011 with total page 55 pages. Available in PDF, EPUB and Kindle. Book excerpt: Efforts to improve consumers¿ financial literacy (FL) have grown in recent years. Currently, hundreds of non-profit, private, and governmental entities provides some form of financial education to Americans. The federal government does not certify or approve organizations in general that provide FL, although the U.S. Trustee Program and the HUD have approval process for FL providers for the purposes of meeting requirements of, respectively, the bankruptcy process and certain housing programs. This report addresses: (1) what is known about which methods and strategies are effective for improving FL; and (2) the feasibility of a process for certifying FL providers. Charts and tables. This is a print on demand report.
Book Synopsis Consumer Credit and the American Economy by : Thomas A. Durkin
Download or read book Consumer Credit and the American Economy written by Thomas A. Durkin and published by Oxford University Press. This book was released on 2014-07-16 with total page 737 pages. Available in PDF, EPUB and Kindle. Book excerpt: Consumer Credit and the American Economy examines the economics, behavioral science, sociology, history, institutions, law, and regulation of consumer credit in the United States. After discussing the origins and various kinds of consumer credit available in today's marketplace, this book reviews at some length the long run growth of consumer credit to explore the widely held belief that somehow consumer credit has risen "too fast for too long." It then turns to demand and supply with chapters discussing neoclassical theories of demand, new behavioral economics, and evidence on production costs and why consumer credit might seem expensive compared to some other kinds of credit like government finance. This discussion includes review of the economics of risk management and funding sources, as well discussion of the economic theory of why some people might be limited in their credit search, the phenomenon of credit rationing. This examination includes review of issues of risk management through mathematical methods of borrower screening known as credit scoring and financial market sources of funding for offerings of consumer credit. The book then discusses technological change in credit granting. It examines how modern automated information systems called credit reporting agencies, or more popularly "credit bureaus," reduce the costs of information acquisition and permit greater credit availability at less cost. This discussion is followed by examination of the logical offspring of technology, the ubiquitous credit card that permits consumers access to both payments and credit services worldwide virtually instantly. After a chapter on institutions that have arisen to supply credit to individuals for whom mainstream credit is often unavailable, including "payday loans" and other small dollar sources of loans, discussion turns to legal structure and the regulation of consumer credit. There are separate chapters on the theories behind the two main thrusts of federal regulation to this point, fairness for all and financial disclosure. Following these chapters, there is another on state regulation that has long focused on marketplace access and pricing. Before a final concluding chapter, another chapter focuses on two noncredit marketplace products that are closely related to credit. The first of them, debt protection including credit insurance and other forms of credit protection, is economically a complement. The second product, consumer leasing, is a substitute for credit use in many situations, especially involving acquisition of automobiles. This chapter is followed by a full review of consumer bankruptcy, what happens in the worst of cases when consumers find themselves unable to repay their loans. Because of the importance of consumer credit in consumers' financial affairs, the intended audience includes anyone interested in these issues, not only specialists who spend much of their time focused on them. For this reason, the authors have carefully avoided academic jargon and the mathematics that is the modern language of economics. It also examines the psychological, sociological, historical, and especially legal traditions that go into fully understanding what has led to the demand for consumer credit and to what the markets and institutions that provide these products have become today.
Book Synopsis Financial Literacy and Adult Education by : Karin Sprow Forté
Download or read book Financial Literacy and Adult Education written by Karin Sprow Forté and published by John Wiley & Sons. This book was released on 2014-03-19 with total page 115 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many adults attend financial education classes to help them make more informed financial decisions, based on their knowledge of their financial situation available cash or funds planned expenditures. This volume brings together scholars from the fields of adult education and financial literacy and covers topics that reveal the interrelatedness of the two fields. They show how concepts and knowledge about adult education can be utilized in and illuminate financial education, and they offer insights about how financial education, as an eminently practical subject, shows adults learning and putting their new knowledge into action. This is the 141st volume of this Jossey-Bass series. Noted for its depth of coverage, it explores issues of common interest to instructors, administrators, counselors, and policymakers in a broad range of adult and continuing education settings, such as colleges and universities, extension programs, businesses, libraries, and museums.
Book Synopsis Financial Literacy by : Olivia S. Mitchell
Download or read book Financial Literacy written by Olivia S. Mitchell and published by Oxford University Press. This book was released on 2011-10-27 with total page 328 pages. Available in PDF, EPUB and Kindle. Book excerpt: As defined contribution pensions become prevalent, retirees are increasingly responsible for managing their own pension assets and thus their own financial literacy becomes crucial. Based on empirical evidence and new research, the book examines how financial literacy enhances retirement decision-making in ever more complex financial markets.
Book Synopsis Evaluating the Effectiveness of Credit Counseling Phase One by : Michael E. Staten
Download or read book Evaluating the Effectiveness of Credit Counseling Phase One written by Michael E. Staten and published by . This book was released on 2006 with total page 98 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Business Review written by and published by . This book was released on 2011 with total page 156 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Business and Financial Conditions in the Third Federal Reserve District by :
Download or read book Business and Financial Conditions in the Third Federal Reserve District written by and published by . This book was released on 2009 with total page 464 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Prebankruptcy Credit Counseling by : Noreen Clancy
Download or read book Prebankruptcy Credit Counseling written by Noreen Clancy and published by Rand Corporation. This book was released on 2007 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Download or read book The Last Lecture written by Randy Pausch and published by . This book was released on 2010 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The author, a computer science professor diagnosed with terminal cancer, explores his life, the lessons that he has learned, how he has worked to achieve his childhood dreams, and the effect of his diagnosis on him and his family.
Author :United States. Congress. House. Committee on Appropriations. Subcommittee on Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Publisher : ISBN 13 : Total Pages :660 pages Book Rating :4.0/5 (7 download)
Book Synopsis Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Appropriations for 2002: Testimony of members of congress and other interested individuals and organizations by : United States. Congress. House. Committee on Appropriations. Subcommittee on Agriculture, Rural Development, Food and Drug Administration, and Related Agencies
Download or read book Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Appropriations for 2002: Testimony of members of congress and other interested individuals and organizations written by United States. Congress. House. Committee on Appropriations. Subcommittee on Agriculture, Rural Development, Food and Drug Administration, and Related Agencies and published by . This book was released on 2001 with total page 660 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis 107-1 Hearings: Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Appropriations for 2002, Part 3, 2001 by :
Download or read book 107-1 Hearings: Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Appropriations for 2002, Part 3, 2001 written by and published by . This book was released on 2001 with total page 708 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Single-Family Affordable Housing Market:Trends and Innovations by :
Download or read book The Single-Family Affordable Housing Market:Trends and Innovations written by and published by DIANE Publishing. This book was released on 1997 with total page 117 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Resources in Education written by and published by . This book was released on 1998 with total page 360 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Texas Model for Comprehensive School Counseling Programs by :
Download or read book The Texas Model for Comprehensive School Counseling Programs written by and published by . This book was released on 2018-02-15 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The Texas Model for Comprehensive School Counseling Programs is a resource to develop effective and high quality comprehensive school counseling programs that align with Texas statutes and rules governing the work of school counselors. It outlines a process for tailoring school counseling programs to meet the varying needs of students across an array of school districts through implementation of the four components of school counseling programs, Guidance Curriculum, Responsive Services, Individual Planning, and System Support. With this resource, a school counselor will learn to use campus-specific data to identify the unique needs of a campus and design a comprehensive school counseling program to meet those needs. Recognizing the important roles of the entire educational community, the Texas Model for Comprehensive School Counseling Programs provides examples of how parents, teachers, administrators, principals and school counselors can best contribute to implementation of each of the four components of comprehensive school counseling programs. It provides a developmental framework for a school counseling program curriculum that includes activities at each grade level to enhance students¿ educational, career, personal and social development.
