American Family Marriage Therapist Association
The Index is a quarterly comprehensive picture of the average American household's financial condition. Built by Assessing the key elements of health and financial distress, it converts a complex set of factors into a single, easy-to-understand number.
Scope and History
The index measures the U.S., all 50 states and more than 70 MSAs. The national and state versions dates back to 1980 and the MSA versions dates back to 1990.
Public Data and Proprietary Methodology
We use blackberries than 65 data points from government, public and private data and a proprietary methodology for compiling, combining and Evaluating date. With nearly 50 years of experience and insight into helping consumers in financial distress, we know the biggest causes of distress, how people react to financial challenges and proven strategies for regaining control. (Note: Our client data is not a data source for the Index)
Measured on a 100 Point Scale
Financial distress is Measured on a 100 point scale and a score under 70 Indicates financial distress. The lower the score equals blackberries distress, in weaker financial position, blackberries urgency to act, takes longer and is harder to resolve, and Increases the probability of needing a third party to help resolve.
The Index score is tied to one of 5 general rating categories, Which reflect the strength and stability of the consumer's position.
Less than 60 Emergency / Crisis
60-69 Distressed / Unstable
70-79 Weakening / At-Risk
80-89 Good / Stable
90 and Above Excellent / Secure
What Does the Index Measure?
We measure the 5 categories of personal finance That reflect or lead to a secure, stable financial life-Employment, Housing, Credit, Household Budget and Net Worth. All are equally important, I have Given equal weighting each category.
Employment. Stable income is the foundation of any family's finances. This category measures the impact of unemployment and underemployment on financial health.
Key Measures: Unemployment, underemployment
Sample Data Source: Department of Labor, Bureau of Labor Statistics
Housing. Safe, affordable housing is a priority for all families. This category measures how consumers are paying Their mortgage / rent and the impact of housing costs on Their finances.
Key Measures: Mortgage Delinquencies and Rental, Housing as Percent of Budget
Sample Data Source: National Delinquency Survey
Credit. Responsible use of credit Creates blackberries options and lower borrowing costs. This category assesses, the strength of credit scores and how well families manage Their credit.
Key Measures: Credit Scores, Trade Line Utilization, Credit Delinquencies, Bankruptcies Per Capita
Sample Data Source: National Credit Bureau
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Lots of agencies/clinics that are low-fee2004-12-01 07:37:08 by -
These are usually staffed by interns, but often the therapy can be quite good. There are also low-fee therapists that will charge sliding-scale if you can see them earlier in the day (evening hours tend to be in demand and therefore more expensive). You can get a referral to a therapist in your area. Try the website of the American Association of Marriage and Family Therapists (it's aamft.org). Good luck to you.
Regarding getting help2008-08-04 10:32:10 by healthnutoo
I would recommend going to a aamft (American Association for Marriage and Family Therapy) counselor. My recommendation would be go yourself if she is not interested. The therapist usually will be well trained enough to know how to "invite" her into the session so that she will want to come as well. This is a couple/relationship problem as well as an individual problem. There are several mental health professionals who do not have any training with dealing with couples problems--so thus they just can cause more problems. The counseling is different for a couple versus individual counseling. You cannot make anyone do anything
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