Generally most stuff that is written is, for lack of a better word, bull. That’s not to say it’s not interesting, it just might not be true. If you want the facts, you need to find a peer reviewed journal article. Most financial writting is opinion, not fact, which is a problem when you’re recomending things to clients. Do they try debt consolidation? Payment Arrangements? Or Debt Agreements? However there is some good research emerging on consumer finance and financial counselling. One excellent study looked at “behaviours” in financial counselling clients and found there were 4 “behaviours” associated with having low...
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