Making effective financial decisions and knowing how to manage money are skills critical to enjoying a secure financial future. Yet many individuals and families lack the knowledge necessary to make sound financial choices, as evidenced by falling savings rates, mounting consumer debt, and a growing dependence on alternative banking institutions.…

Maintains that the need for music educators to provide services for adult learners is increasing. Discusses modifying music teacher education programs to meet this need. Reviews theories of developmental education and the special needs and concerns of older learners. (CFR)

This document presents guidelines for engaging employers in work-based learning programs offered by post-16 institutions in the United Kingdom. Chapter 1 explains why the guidelines are needed, how they were developed, and how they can be used. The following are among the topics examined in Chapters 2-6: (1) getting employers involved (benefits of…