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The survey covered January to December 2010, and included 52,851 of their clients from the 50 states, Northern Mariana Islands, Virgin Islands and Guam. The information surveyed included gender, age, education, ie, employment, marital status and causes of financial distress.

Key Findings

The largest increases from responders in the last five years were those in older age groups, college graduates, higher ie levels, unemployed, married, and cause of financial distress. Part 1 of this blog covers education, ie and cause of financial distress.

Education – The distribution of the 2010 responders by education level was as follows:  graduate 6.73% (3,508), bachelor’s 13.58% (7,086), associate’s 8.82% (4,601), some college 28.73% (14,988), high school/GED 36.27% (18,919), primary school  5.38% (2,806), and no education 0.49% (253).

The graduate education level had the highest increase of 37.3 percent over 2006; the proportions were 4.9 percent in 2006 and 6.73 percent in 2010. At the

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According to new research by Americas leading credit scoring agency, a consumers credit card payment history can be a good indicator for doctors regarding whether or not that individual will take medication on time.

FICO have launched several new consumer ratings which are based on information collected by credit card companies, retailers and insurance providers along with other companies.

One example is the new Medication Adherence Score which promises to do do for health care what FICO credit scoring has done for the finance industry. FICO have developed the algorithm to examine factors which include the length of employment and vehicle ownership and decide the statistical likelihood of the patient following doctors orders.

It has also been suggested that doctors would be able to use the scoring system to pinpoint which patients will require more aggressive follow up because they are likely to neglect their treatment or forget to take medication.

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Tags: New, New Medical

As elders become more physically frail, they’re less able to stand up to bullying and or fight back if attacked. They may not see or hear as well or think as clearly as they used to, leaving openings for unscrupulous people to take advantage of them. Mental or physical ailments may make them more trying companions for the people who live with them..

Tens of thousands of seniors across the United States are being abused:
Harmed in some substantial way often people who are directly responsible for their care
More than half a million reports of abuse against elderly Americans reach authorities every year, and millions more cases go unreported.

Where does elder abuse take place?
Elder abuse tends to take place where the senior lives: most often in the home where abusers are apt to be adult children; other family members such as grandchildren; or spouses/partners of elders.

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Tags: Elders, Elders Being

Do you find that $20 bill in your pocket evaporating faster than ever, and your paychecks taking you shorter and shorter distances? Its no hallucination. Theres a shift going on. Its a shift helping ensure the comfortable middle-class lifestyles our parents enjoyed become as obsolete as an eight-track tape player.

Costs once borne by better-heeled folks are increasingly bearing down on the fragile shoulders of American taxpayers. Expenses, burdens, commitments, and responsibilities once assumed by employers are now the obligation of the American wage earner. In short, if you look around, youll find things are being shifted. And the more theyre shifted, the more likely you are to be shafted.

Try this: Go to any search engine and type in the phrase costs shifted to taxpayers. Next, tweak that line and make it costs shifted to employees.

Youll find article after article bearing the same essential story line.

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Tags: Shift, Shift Shaft

Last month, a total of 108,517 personal bankruptcies were filed nationwide.  September’s personal bankruptcy filings were 4 percent lower than a month before and 17 percent lower than a year before.

Furthermore, the number of personal bankruptcies filed in the U.S. from the beginning of the year through September was 10 percent lower than the number of personal bankruptcies filed in the same time period last year.

70 percent of personal bankruptcies filed in September were Chapter 7 filings and 30 percent were Chapter 13 bankruptcies.

Data comes from the American Bankruptcy Institute and National Bankruptcy Research Center.  Samuel Gerdano, executive director of the ABI, says, “Total consumer filings for 2011 will be less than 2010.”

Contact the Birmingham personal bankruptcy attorneys of Greenway Law, LLC at 205-324-4000, if you or someone you know has questions about filing for personal bankruptcy in Birmingham.

Tags: Nationwide, Personal Bankruptcies