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Doku_Con_Juni05_s1_33.qxp
... was 57,3%. hispanics and african americans tend to have below average financial literacy scores. the majority of the partici- pants ... . 23 choi, j., laibson, d., madrian, b. and metrick sa., defined contribution pensi- ons plan rules par- ticipant decisions, and the ... because they had idas. the average monthly net deposit (amnd) - defined as net deposits divided by months of participation - was 19. ...
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Netherlands cf USA Cons BK Reform v2.doc
... plan must dedicate to creditors all of the debtor's disposable income, which is vaguely defined as that income not reasonably necessary for the debtor's household expenses.23 additionally, some ... . creditors were increasingly unwilling to entertain repayment plans as the percentage of their recovery fell below 40-45%, even if the amount of payment offered seemed substantial in absolute terms. iii ...
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Microsoft Word - Expert Recs and the Euro Model (Inaugural Lecture) v4 FINAL 12-10-2010.doc
... limited budget . . . and will relapse into overspending, is realistic. continuing to unpack the nest of defined terms, the report explains that efficient is meant to recognize that individual debtors seldom have ... overindebtedness law in 1989, but it did not offer a discharge until 1999, as discussed below. 70 indeed, within the united kingdom, two parallel, independent regimes offer a consumer debt ...
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