Articles Published in Financial Counseling and Planning, 1990-1999

Articles
Published in Financial Counseling and Planning, 1990-1999

Sherman
Hanna

Below is a listing of all of the 130
regular
articles published in 
Financial
Counseling and Planning
in the first 10 volumes. Everything is
provided
for a complete citation except the journal title. The 
preferred
citation of an article in this journal includes listing the journal
as 
Financial
Counseling and Planning
, without adding “The Journal of …”

The articles are arranged in order by
last name of the first author, then by year, so that, for instance,
Chang
and Lindamood, 1993 comes before Chang and Huston, 1995. This is not
the
usual journal reference list style, but was done to correspond to the
index of key words
, which lists articles by first author and year
of
publication, e.g., Chang, 1993. We have listed author initials as
published,
even when there are inconsistencies, e.g., Y. R. Chang as well as R. Y.
Chang, even though those two listings represent the same person. Note
also
that before 1997 the journal had only one issue per year.



 





































































































































authors year title volume iss.#

pp


Aldana,
S. G. & Liljenquist, W. 
1998 Validity
and reliability of a financial strain survey 
9 2 11-18
Alhabeeb,
M. J. 
1996 Teenagers’
money, discretionary spending and saving
7 123-132
Alhabeeb,
M. J. 
1999 Allowances
and the economic socialization of children
10 2 1-9
Ayres,
F. L. & Hethcox, K. B.
1994 Accuracy
differences as a function of preparer status: An analysis of Money‘s
tax test
5 117-126
Bae,
M., Hanna, S. & Lindamood, S. 
1993 Patterns
of overspending in U.S. households
4 11-30
Bae,
S. C. & Sandager, J. P. 
1997 What
consumers look for in financial planners 
8 2 9-16
Bailey,
W. C. & Turner, M. J. 
1994 Significance
of sources of retirement planning information for farmers
5 83-99
Bajtelsmit,
V. L. & Bernasek, A. 
1996 Why
do women invest differently than men? 
7 1-10
Bauer,
J. W. & Stum, M. S.
1994 Money
management needs of elderly living in the community
5 147-159
Beutler,
I. F. & Yorgason, F. W. 
1997 The
home as a wealth preserving and accumulating asset: A general
formulation
and balance sheet application
8 1 65-71
Brunson,
B. H., Snow, M. & Gustafson, A. W. 
1998 Mid-life
career change: Career military versus noncareer military financial
well-being
and financial satisfaction 
9 1 41-52
Burns,
S. A. & Widdows, R.
1990 Sensitivity
of a retirement analysis framework to changes in retirement analysis
parameters
1 71-91
Chang,
Y. R. & Lindamood, S.
1993 Factors
related to the risk of household income variability
4 47-66
Chang,
R. Y. 
1994 Saving
behavior of U.S. households in the 1980s: Results from the 1983 and
1986
Survey of Consumer Finance
5 45-64
Chang,
Y. R. & Huston, S. J.
1995 Patterns
of adequate household emergency fund holdings: A comparison of
households
in 1983 and 1986
6 119-128
Chang,
Y. R., Hanna, S. & Fan, J. X. 
1997 Emergency
fund levels: Is household behavior rational? 
8 1 47-55
Chen,
P. & Finke M. S.
1996 Negative
net worth and the life cycle hypothesis 
7 87-96
Christiansen,
T. & DeVaney, S. A. 
1998 Antecedents
of trust and commitment in the financial planner-client relationship
9 2 1-10
Churaman,
C. V.
1992 The
cost of the support of college students as affected by their choice of
public or private school and residence
3 135-156
Cooley,
P. L., Hubbard, C. M. & Walz, D. T.
1999 Sustainable
withdrawal rates from your retirement portfolio
10 1 39-47
Danes,
S. M. 
1994 Parental
perceptions of children’s financial socialization
5 127-146
Danes,
S. M. & Rettig, K. D.
1995 Economic
adjustment strategies of farm men and women experiencing economic stress
6 59-73
Danes,
S. M., Huddleston-Casas, C. & Boyce, L.
1999 Financial
planning curriculum for teens: Impact evaluation
10 1 25-37
Davis,
E. P. & Weber, J. A.
1990 Patterns
and obstacles to financial management
1 41-51
Davis,
E. P. & Carr, R. A.
1992 Budgeting
practices over the life cycle
3 3-16
DeVaney,
S. 
1993 Change
in household financial ratios between 1983 and 1986: Were American
households
improving their financial status? 
4 31-46
DeVaney,
S. 
1994 The
usefulness of financial ratios as predictors of household insolvency:
Two
perspectives
5 5-24
Devaney,
S. A.
1995 Retirement
preparation of older and younger baby boomers
6 25-33
DeVaney,
S. A., Gorham, E. E., Bechman, J. C. & Haldeman, V. A. 
1996 Cash
flow management and credit use: Effect of a financial information
program 
7 71-79
DeVaney,
S. A., Sharpe, D. L., Kratzer, C. Y. & Su, Y. 
1998 Retirement
preparation of the nonfarm self-employed
9 1 53-59
Edwards,
K. P.
1991 Planning
for family asset transfers
2 55-78
Edwards,
E. 
1993 Development
of a new scale for measuring compulsive buying behavior
4 67-84
Embrey,
L. C. & Fox, J. J. 
1997 Gender
differences in the investment decision-making process
8 2 33-40
Ewing,
B. T. & Payne, J. E. 
1998 The
long-run relation between the personal savings rate and consumer
sentiment
9 1 89-96
Fan,
X. J., Chang, Y. R. & Hanna, S.
1992 Optimal
credit use with uncertain income
3 125-133
Fitzsimmons,
V. S. & Wakita, S. 
1993 Expectation
of future financial condition: Are men and women different? 
4 165-180
Fitzsimmons, V. S. & Leach
L. J.
1994 Net worth
change: Beginning and expanding life cycle stages.
5 65-82
Fuller,
P., Zietz, E. N. & Calcote, R. 
1997 The
role of financial counselors in long-term health care planning 
8 1 19-24
Garman,
E. T., Leech, I. E. & Grable, J. E. 
1996 The
negative impact of employee poor personal financial behaviors on
employers 
7 157-168
Garman,
E. T. 
1997 Personal
finance education for employees: Evidence on the bottom-line
benefits 
8 2 1-8
Garman,
E. T., Kim, J., Kratzer, C. Y., Brunson, B. H. & Joo, S.
1999 Workplace
financial education improves personal financial wellness
10 1 79-88
Godwin,
D. D. & Koonce, J. C. 
1992 Cash
flow management of low-income newlyweds
3 17-42
Godwin,
D. D. 
1994 Antecedents
and consequences of newlyweds’ cash flow management
5 161-190
Godwin,
D. D.
1996 Newlywed
couples’ debt portfolios: Are all debts created equally? 
7 57-69
Godwin,
D. D.
1999 Predictors
of households’ debt repayment difficulties
10 1 67-78
Grable,
J. E. & Lytton, R. H. 
1998 Investor
risk tolerance: Testing the efficacy of demographics as differentiating
and classifying factors
9 1 61-73
Grable,
J. E. & Joo, S.
1999 Financial
help-seeking behavior: Theory and implications
10 1 13-24
Hampton,
V. L., Kitt, K. A., Greninger, S. A. & Bohman, T. M. 
1993 The
effect of education on participation in flexible spending accounts
4 95-110
Hanna,
S., Fan, J. X. & Chang, Y. R. 
1995 Optimal
life cycle savings
6 1-15
Hanna,
S. & Chen, P. 
1996 Efficient
portfolios for saving for college
7 115-122
Hanna,
S. & Chen, P. 
1997 Subjective
and objective risk tolerance: Implications for optimal portfolios
8 2 17-25
Hatcher,
C. B. 
1997 A
model of desired wealth at retirement
8 1 57-64
Hatcher,
C. B. 
1998 Regarding
the relationship between income and wealth in retirement 
9 2 37-46
Hayhoe,
C. R. & Wilhelm, M. S. 
1995 Discriminating
between primary family financial managers and other adults in the family
6 75-82
Hayhoe,
C. R. & Wilhelm. M. S. 
1998 Modeling
perceived economic well-being in a family setting: A gender perspective
9 1 21-34
Hira,
T. K., Fanslow, A.M. & Vogelsang, R. 
1992 Determinants
of satisfaction with preparations for financial emergencies
3 43-62
Hira,
T. K. & Mugenda, O. 
1998 Predictors
of financial satisfaction: Differences between retirees and
non-retirees 
9 2 75-83
Hogarth,
J. M.
1991 Asset
management and retired households: Savers, dissavers and alternators
2 97-121
Hong,
G. & Swanson, P. M. 
1995 Comparison
of financial well-being of older women: 1977 and 1989
6 129-138
Hooks,
J. A. 
1998 Mutual
fund investment discretion and the asset allocation problem 
9 2 19-24
Huston,
S. J. & Chang, Y. R. 
1997 Adequate
emergency fund holdings and household type
8 1 37-46
Israelsen,
C. L.
1990 Family
resource management research: 1930-1990
1 3-39
Israelsen,
C. L. & Beutler, I. F.
1991 The
value of past performance data: The case of mutual funds
2 123-129
Jayathirtha,
C. & Fox, J. J. 
1996 Home
ownership and the decision to overspend 
7 97-106
Junk,
V. W., Fox, L. K., Einerson, M. J. & Taff, L. K. 
1997 Preretirees’
perception of retirement income 
8 2 41-55
Kennickell,
A. B., Starr-McCluer, M. & Sunden, A. E. 
1997 Saving
and financial planning: Some findings from a focus group 
8 1 1-8
Kerkmann,
B. C. 
1998 Motivation
and stages of change in financial counseling: An application of a
transtheoretical
model from counseling psychology
9 1 13-20
Kuhlemeyer,
G. A. & Allen, G. H.
1999 Consumer
satisfaction with life insurance: A benchmarking survey
10 2 35-47
Langrehr.
V. B.
1991 Financial
counseling and planning: Similarities and distinctions 
2 155-167
Lawrence,
F. C., Thomasson, R., Wozniak, P. & Prawitz Aimee. 
1993 Factors
relating to spousal financial arguments
4 85-93
Leach,
L. J. & Fitzsimmons, V. S. 
1994 Net
worth change: Beginning and expanding life cycle stages 
5 65-82
Leach,
L. J., Hayhoe, C. R. & Turner, P. R.
1999 Factors
affecting perceived economic well-being of college students: A gender
perspective
10 2 11-21
Lee,
H. & Hanna, S. 
1995 Investment
portfolios and human wealth. 
6 147-152
Lee,
J. & Hogarth, J. M.
1999 Returns
to information search: Consumer mortgage shopping decisions
10 1 49-66
Lee,
J. & Hogarth, J. M.
1999 Returns
to information search: Consumer credit card shopping decisions
10 2 23-34
Lee,
S., Hanna, S. & Siregar, M. 
1997 Children’s
college as a saving goal
8 1 33-36
Lewis,
J. K. 
1996 Savings
behavior of low-income families. 
7 81-86
Lewis,
J. K. 
1998 Home
service distribution system: A method of marketing life insurance to
the
poor
9 1 35-39
Li,
J., Montalto, C. P. & Geistfeld, L. V. 
1996 Determinants
of financial adequacy for retirement
7 39-48
Lown,
J. M. & Cook, J.
1990 Attitudes
toward seeking financial counseling: Instrument development
1 93-112
Lown,
J. M. & Ju, I.-S. 
1992 A
model of credit use and financial satisfaction
3 105-123
Lytton,
R. H., Garman, E. T. & Porter, N.
1991 How
to use financial ratios when advising clients
2 3-23
Malroutu,
Y. L. & Xiao J. J.
1995 Perceived
adequacy of retirement income
6 17-24
Mason,
J. 
1993 Financial
counselors: The need has never been greater
4 5-10
McGregor,
S. L. T. & Berry, R. E. 
1997 Mandatory
financial counseling for bankrupts in Canada 
8 1 9-17
Montalto,
C. P. 
1994 Married
women’s labor force participation as divorce insurance 
5 191-205
Montalto,
C. P. & Sung, J. 
1996 Multiple
Imputation in the 1992 Survey of Consumer Finances
7 133-146
Montalto,
C. P. & Yuh, Y. 
1998 Estimating
nonlinear models with multiply imputed data
9 1 97-101
Morgan,
J. N. 
1995 Justifying
the use of economic insights in ordinary decisions 
6 45-52
Muske,
G. & Winter, M.
1999 Cash
flow management: A framework of daily family activities
10 1 1-12
Newmark,
C. M. & Walden, M. 
1995 Should
you retire at age 62 or 65? 
6 35-44
Oh,
D. 
1995 Households
with rent burdens: impact on other spending and factors related to the
probability of having a rent burden
6 139-146
Parrotta,
J. L. & Johnson, P. J. 
1998 The
impact of financial attitudes and knowledge on financial management and
satisfaction of recently married individuals 
9 2 59-74
Phillips,
M. E. , Nielson, N. L. & Brown, C. E. 
1992 An
evaluation of expert systems for personal financial planning
3 79-103
Pope,
R. A. & Howe, T. S.
1991 Characteristics
and needs of students interested in financial planning
2 79-96
Porter,
N. M. & Garman, E. T. 
1993 Testing
a conceptual model of financial well-being.
4 135-164
Prather,
C. G.
1990 The
ratio technique applied to personal finance statements: Development of
household norms
1 53-69
Prochaska-Cue,
K. 
1993 An
exploratory study for a model of personal financial management style
4 111-134
Rettig,
K. D. & Schulz, C. L. 
1991 Cognitive
style preferences and financial management decision styles
2 25-54
Scannell,
E.
1990 Dairy
farm families’ financial management
1 133-146
Seiling,
S. B. & Jackson, G.
1990 Children
of divorce: Financial counseling issues for custodial parents
1 113-132
Shelton,
G. G. & Hill, O. L.
1995 First-time
homebuyers programs as an impetus for change in budget behavior
6 83-92
Spitzer,
J. J. & Singh, S.
1999 The
rule of 72
10 1 89-91
Sprudzs,
U.
1998 Diversification
or concentration? An empirical analysis of household portfolio
allocation
practices
9 1 75-88
Stum,
M. S., Bauer, J. W. & Delaney, P. J.
1993 Economic
well-being of disabled elderly living in the community
4 199-216
Sullivan,
M. J.
1995 Valuing
a constant-growth annuity: an applied approach using a financial
calculator
6 115-118
Sung,
J. & Hanna, S. 
1996 Factors
related to risk tolerance
7 11-20
Sung,
J. & Hanna, S. 
1998 The
spouse effect on participation and investment decisions for retirement
funds 
9 2 47-58
Swagler,
R., Burton, J. & Lewis J. K.
1995 The
operations, appeals and costs of the alternative financial sector:
implications
for financial counselors
6 93-98
Thompson,
J. H., Sharpe, D. L. & Hamilton, J. A. 
1998 Retirement
programs: Reaching midlife professional women 
9 2 25-36
Todd,
K. J. & DeVaney, S. A. 
1997 Financial
planning for retirement by parents of college students
8 1 25-32
Vora,
P. 
1996 Breakeven
periods for individual retirement accounts with partial
withdrawals 
7 49-56
Walden,
M. L. 
1992 The
relative benefits of making a higher down payment or paying points for
a lower interest rate
3 63-77
Wang,
H. & Hanna, S. 
1997 Does
risk tolerance decrease with age? 
8 2 27-31
Weagley,
R. O. & Gannon, C. F.
1991 Investment
portfolio allocation
2 131-154
Wilhelm,
M. S., Varcoe, K. & Fridrich, A. H. 
1993 Financial
satisfaction and assessment of financial progress: Importance of money
attitudes
4 181-198
Williams,
F. L., Haldeman, V. & Cramer, S. 
1996 Effect
of financial concerns upon workplace behavior and productivity 
7 147-155
Williams,
F. L. & Zhou, H. 
1997 Income
and expenditures in two phases of retirement 
8 2 75-82
Williams,
F. L. & Kao, E. Y.
1997 Value
of home equity used in reverse mortgages as a potential source of
income
for elderly Americans 
8 2 57-64
Williams,
F. L.
1999 Costs
and benefits of loan consolidation
10 2 61-72
Woerheide,
W. & Fortner R. 
1994 The
pension penalty associated with changing employers
5 101-116
Woerheide,
W. 
1995 The
impact of salary growth, inflation, employee age, and career length on
the relative desirability of pension fund type
6 53-58
Woerheide,
W., Marquardt, J. & Fortner, R. 
1996 A
test of the HUD guideline for borrower selection of a 30-year,
fixed-rate
mortgage 
7 107-114
Xiao,
J. J. & Noring, F. E.
1994 Perceived
saving motives and hierarchical financial needs
5 25-44
Xiao,
J. J. 
1995 Patterns
of household financial asset ownership
6 99-106
Xiao,
J. J. 
1996 Effects
of family income and life cycle stages on financial asset
ownership. 
7 21-30
Xiao,
J. J. 
1997 Saving
motives and 401(k) contributions 
8 2 65-73
Xiao,
J. J., Malroutu, Y. L. & Yuh, Y.
1999 Sources
of income inequality among the elderly
10 2 49-59
Yuh,
Y. & DeVaney, S. A. 
1996 Determinants
of couples’ defined contribution retirement funds
7 31-38
Yuh,
Y., Montalto, C. P. & Hanna, S. 
1998 Are
Americans prepared for retirement? 
9 1 1-12
Zhong,
L. X. & Xiao, J.J.
1995 Determinants
of family bond and stock holdings
6 107-114