In the end the HEM was not really on trial. Rather it was the notion of whether the expense history of a loan applicant is a useful predictor of their ability to manage loan payments in the future.
A senior...
Dear Moneyist,
My dad is in his late 80s and in failing health. He shuts down any plan I or my siblings come up with to help with his health (like use the oxygen tank that his doctor prescribed) and...
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