3433-vol. 6 issue 2-3.pmd - iarfc

Volume 6, Issue 2 & 3 107
Xiao, J. J., O.Neill, B., Prochaska, J. M., Kerbal, C. M., Brennan, P., & Bristow,
B. J. (2004). A consumer education program based on the
Transtheoretical Model of Change. International Journal of Consumer
Studies, 28(1), 55-65.
Zhu, L. Y., & Meeks, C. B. (1994). Effects of low income families’ ability and
willingness to use consumer credit on subsequent outstanding credit
balances. The Journal of Consumer Affairs, 28(2), 403-422.
Research & Theory
Contact Information: Shayna Lee Thums M.S., 835 Dean St., Schenectady, NY
12309; Email: slages@sage.edu
Barbara M. Newman, Ph.D., Professor , University of Rhode Island Department
of Human Development and Family Studies, Transition Center, Kingston,
RI 02881; Phone: 401-874-7135; Fax: 401-874-4020; Email:
bnewman@uri.edu
Jing Jian Xiao, Ph.D., Professor , University of Rhode Island Department of
Human Development and Family Studies, Transition Center, Kingston, RI
02881; Phone: 401-874-2547; Fax: 401-874-4020; Email: xiao@uri.edu