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1 - 2 van 2 voor welfare levels
Doku_Con_Juni05_s1_33.qxp
... after comparative studies and exchanging experiences and strate- gies on both national and european levels improving financial literacy was identified as one of the necessary strategies to prevent ... society. consu- mers' responsibilities for their retire- ment savings have grown. changes in welfare reform have moved low- income consumers from government benefit recipients to permanent job seekers ...
www.wsnp.rvr.org
Netherlands cf USA Cons BK Reform v2.doc
... private credit counselors. ironically, credit counseling in the united states was initiated not by welfare organizations, but by commercial banks. in response to rising default rates and personal ... and more creditors.62 debtors' incomes had risen much more slowly than consumer debt levels, significantly reducing the percentage repayment that debtors could offer creditors. one prominent survey ...
www.wsnp.rvr.org
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