Background: In program evaluation interventions are usually examined for global effects but not always for differential effects. The reasoning behind the focus on global effects is that most of the concepts applied in data analyses, and most of the hypotheses being assessed, are variable-oriented. Consequently, existing differential effects will…

This paper describes the commonly found "knowledge delivery" education format and argues that work outside the academy and more in-depth academic training demand skills and competencies not developed by the "knowledge delivery" model. The knowledge curriculum education is characterized as lecture-type instruction, knowledge delivery and exposure,…

Focusing on making and using a financial plan, this document is one in a series of three consumer education modules developed to educate individual adult consumers in important areas of consumer affairs. An introductory section provides an overview of the module contents, suggested approaches for using the module, and suggestions for working with…

Focusing on avoiding consumer frauds and misrepresentations, this document is one in a series of three consumer education modules developed to educate individual adult consumers in important areas of consumer affairs. An introductory section provides an overview of the module contents, suggested approaches for using the module, and suggestions for…

Focusing on obtaining and using consumer credit, this document is one in a series of three consumer education modules developed to educate individual adult consumers in important areas of consumer affairs. An introductory section provides an overview of the module contents, suggested approaches for using the module, and suggestions for working…