About the Authors, V. 10 (1), 1999
Boyce, Financial Planning Curriculum For Teens: Impact Evaluation,
is Assistant Dean/Director and State Program Leader for University of Wisconsin-Extension,
Family Living Programs. She received her Ph.D. in Continuing and Vocational
Education in 1985 from University of Wisconsin-Madison. Her earlier work
was as a program specialist in family resource managment with UW-Extension.
Bruce H. Brunson, Workplace Financial Education Improves Personal
Financial Wellness, is the Dean of Workforce Development and Liberal
Arts at Florida Community College Jacksonville. His previous position was
an assistant professor in family financial management, Department of Near
Environments, Virginia Tech. He instructed in both undergraduate and graduate
courses in family financial management and consumer economics. He received
his Ph.D. in consumer economics and environmental design with an emphasis
in family financial planning from Texas Tech University in 1996. He also
has a M.A. in Computer and Information Technology and a MBA both from Webster
University, and a B.S. from the U.S. Naval Academy in operations analysis.
Prior to going to Virginia Tech, he taught at Embry-Riddle Aeronautical
University teaching courses in management information systems and strategic
management. He retired in 1995 from the U.S. Navy after 22 years of service.
His special interests include family economic well being throughout the
life cycle, employee benefits education, family financial management, retirement
planning, and military issues in financial planning and retirement planning.
L. Cooley, Sustainable Withdrawal Rates From Your Retirement
Portfolio, is the Prassel Distinguished Professor of Business at Trinity
University, San Antonio, Texas. His writings on financial topics have appeared
in the Journal of Financial Research, American Journal of Small
Business, Journal of Finance, Journal of Financial and Quantitative
Analysis, Journal of Business, Financial Review, Journal
of Risk and Insurance, Financial Management, Real Estate
Appraiser and Analyst, and Journal of Business Research. His
books include Business Financial Management, How to Value Oil
Jobberships for Purchase or Sale, and Advances in Business Financial
Management: A Collection of Readings. He is a member of the board of
directors of the Consumer Credit Counseling Service. He received a Ph.D.
from The Ohio State University; MBA from The University of Hawaii; and
BME from General Motors Institute.
Sharon M. Danes,
Financial Planning Curriculum For Teens: Impact Evaluation, is a
professor and Family Economist in the Family Social Science Department,
University of Minnesota. She received her Ph.D. from Iowa State University,
her M.S. from Michigan State University and her B.S. from the University
of Wisconsin-Madison. Her research interests focus at the intersection
of social and economic decision making for children, women, families and
Garman, Workplace Financial Education Improves Personal Financial
Wellness, is Executive Director of Virginia Tech’s National Institute
for Personal Finance Employee Education (NIPFEE) and Editor-in-chief of
NIPFEE’s journal, Personal Finances and Worker Productivity. He also is
a Fellow in the University’s Center for Organizational and Technological
Advancement and a Professor of Consumer Affairs and Family Financial Management
at Virginia Polytechnic Institute and State University in Blacksburg, Virginia.
Garman has been named a Distinguished Fellow in two professional organizations,
the Association for Financial Counseling and Planning Education and the
American Council on Consumer Interests. In the past, he served as president
of those organizations as well as of the Consumer Education and Information
Association of Virginia. In 1997, Garman was awarded the Louis M. Linxwiler
Award by the National Foundation for Consumer Credit for his outstanding
contributions to consumer credit education. In 1994, Garman received the
Stewart E. Lee Consumer Education Award from the American Council on Consumer
Interests in recognition of his lifetime achievements in consumer education.
He has authored 160 refereed articles, 60 non-refereed articles, and 20
books. Five currently available book titles are: Personal Finance (Houghton
Mifflin), The Mathematics of Personal Finance, Ripoffs and Frauds: How
to Avoid and How to Get Away (winner of the “1996 Journalism Award” from
the Association for Financial Counseling and Planning Education), Consumer
Economic Issues in America, and Regulation and Consumer Protection (the
last four with Dame Publications).
D. Godwin, Predictors Of Households’ Debt Repayment Difficulties,
is a professor in the Department of Housing and Consumer Economics at the
University of Georgia. She received her Ph.D. from the University of North
Carolina at Greensboro. In 1998, she received the Mid-Career Award for
Outstanding Achievement and Service from the American Council on Consumer
Interests. Also in 1998, she received the Ruth O’Brien Award from the American
Association of Family and Consumer Sciences. She is using that award to
study the patterns of bankruptcy petitions in Georgia, focusing on the
background conditions and the proximate causes of the decision to file
bankruptcy. Her other current research involves analyzing the relative
effectiveness of double-hurdle models versus Tobit models for examining
households’ propensity for experiencing debt repayment difficulty. She
has had articles published in numerous journals, including Journal of
Consumer Affairs, Journal of Marriage and the Family, Journal
of Family Issues, and Rural Sociology.
John E. Grable, Financial Help-Seeking
Behavior: Theory And Implications, is an Assistant Professor
of Family Financial Planning in the School of Family Studies and Human
Services at Kansas State University, and a Research Associate with the
Center for Financial Responsibility at Texas Tech University. He received
a Ph.D. in Resource Management from Virginia Tech and an MBA from Clarkson
University. He is active in several national financial planning and consumer
sciences organizations, and is the co-author of an instructor’s manual
and student guide for a best-selling introductory personal finance textbook.
His research has been quoted in The Wall Street Journal, The
Associated Press, The Christian Science Monitor, The Navy
Times, and The Bankers Journal. He is a Certified Financial
M. Hogarth, Returns To Information Search: Consumer Mortgage
Shopping Decisions, is a senior analyst in the Consumer Policies Section
of the Division of Consumer and Community Affairs, Board of Governors of
the Federal Reserve System in Washington DC. She holds a B.S. from Bowling
Green State University and an M.S. and Ph.D. from The Ohio State University.
Her research focuses on bringing information and data to bear on the policy
process, both in the formation and development of consumer policies and
in the implementation of policies via dissemination of information to consumers
and financial service providers. Recent projects include educating both
consumers and financial services providers about non-deposit investment
products sold through banks, and working with coalitions to collaboratively
develop educational materials on vehicle leasing, mortgage shopping, and
choosing and using financial institutions.
Carl M. Hubbard, Sustainable
Withdrawal Rates From Your Retirement Portfolio, is a Professor of
Finance at Trinity University in San Antonio, Texas. He holds a Ph.D. in
Economics from Texas Tech University and teaches courses in financial management,
principles of investments, and financial statement analysis. His research
interests include working capital management and financial planning.
Catherine Huddleson-Casas, Financial
Planning Curriculum For Teens: Impact Evaluation, is a doctural student
in the Department of Family Social Science, University of Minnesota. She
is the current recipient of the McFarland Fellowship.
Joo, Financial Help-Seeking Behavior: Theory And Implications
and Workplace Financial Education Improves Personal Financial Wellness,
is an Assistant Professor in the Family Financial Planning program at Texas
Tech University. She received her Ph.D. from Virginia Tech and her Master’s
degree from Seoul National University. Her dissertation examined the personal
financial wellness profile of clerical workers in a mideastern state. Based
on this research she won the best conference paper award at the 1998 Association
for Financial Counseling and Planning Educators conference. She has participated
in various national and international conference presentations and publications,
and is continuing to conduct research on personal financial wellness, financial
practices, and financial help-seeking behavior.
Kim, Workplace Financial Education Improves Personal Financial
Wellness, is the Director of Research of Virginia Tech’s National Institute
for Personal Finance Employee Education outreach initiative. She is also
a Ph.D. candidate in consumer economics at Virginia Tech in Blacksburg,
Virginia. She received both her B.S. and M.S. degrees in consumer studies
from Seoul National University, Seoul, Korea. She lectured on consumer
issues, consumer protection, and resource management at universities in
Korea. Kim received the Mok-Jung Scholarship in 1992 in Seoul, Korea. She
was a co-recipient of the Alfred and Shirley Wampler Caudill Research Scholarship
in 1998. She also made presentations which at the PFEE national conferences
and at the Association for Financial Counseling and Planning Education.
Y. Kratzer, Workplace Financial Education Improves Personal
Financial Wellness, is an assistant professor and extension specialist
in family financial management, Department of Near Environments, Virginia
Tech. She received her Ph.D. from Michigan State University, 1991. She
teaches courses in resource management. Her research has been in the areas
of perception of economic well-being, planning for retirement by self-employed,
and workplace financial education. Currently she is state coordinator for
Money 2000, an extension financial education program. She received an Emerging
Leaders Award from Michigan State University in 1996.
Lee, Returns To Information Search: Consumer Mortgage Shopping
Decisions, is an associate professor, University of Tennessee, Knoxville.
Her specific areas of research expertise include consumer information search,
complaint behavior, vulnerability to fraud, and consumer issues in financial
market. Her current research interests also include consumer use of electronic
banking technology, consumer dissatisfaction and complaint behavior in
financial market, and consumer satisfaction with health care and long-term
care. Her current and previous consulting experience includes consumer
issues in financial market (Federal Reserve Board and United States Department
of Agriculture); consumers’ choice of financial institution and their financial
and credit portfolio (Filene Research Institute, Center for Credit Union
Research, and National Credit Union Association); consumer vulnerability
to fraud (American Association of Retired Persons); and quality of health
care and long term care and consumer satisfaction (the State of Florida
and Vermont). She has received a number of honors and awards, including:
The Jefferson Prize, Chancellor’s Research Award (University of Tennessee),
Applied Consumer Economics Award by American Council on Consumer Interests.
Her undergraduate studies were completed at Seoul National University,
Korea. She received M.S. and Ph.D. degrees from the Ohio State University.
Muske, Cash Flow Management: A Framework Of Daily Family Activities,
is an Assistant Professor and Home-Based/Micro Business Specialist with
the Oklahoma Cooperative Extension Service. He received his Ph.D. in Human
Development and Family Studies in 1996 from Iowa State University. He has
an M.B.A. and a B.S. in Business from North Dakota State University. His
current research interests focuses on personal and community factors influencing
the development of successful micro businesses. His earlier work in cash
flow management received an Association for Financial Counseling and Planning
Education award as best student paper.
Singh, The Rule of 72, is an Associate Professor of
Finance in the Department of Business Administration and Economics
at the State University of New York at Brockport. He received a Ph.D. in
Finance with a minor in International Business from the Kent State University.
His teaching and research interests include banking regulation, mutual
fund performance evaluation, international investments, portfolio management
and derivative securities
John J. Spitzer, The Rule of
72, is Professor of Economics at SUNY – College at Brockport. He received
a Ph.D. from the University of Pittsburgh and a B.S. from Syracuse University.
His research efforts have primarily focused on nonlinear parameter estimation
and numerical analysis solutions for economic models.
T. Walz, Sustainable Withdrawal Rates from Your Retirement Portfolio,
is a Professor of Business Administration at Trinity University. He received
a Ph.D. in Finance from Washington University. He has a B.A. from the University
of Arkansas and a M.B.A. from Southern Methodist University. His current
research interests include financial planning and financial markets in
Mary Winter, Cash Flow Management:
A Framework Of Daily Family Activities, is the Associate Dean for Research
and Graduate Education, College of Family and Consumer Sciences, Iowa State
University. She holds a B. S. from the University of Minnesota, and an
M. S. and Ph. D. from The Pennsylvania State University. Her research program
has focused on family resource management under unusual conditions. She
has studied household responses of Mexican families to extreme changes
in that country’s economy, and the responses of Polish families to the
transition from a planned economy to a market economy. She is currently
involved studying families with a family business and evaluating welfare
reform in Iowa. Her work has appeared in Social Science and Medicine,
Labour Review, East European Quarterly, Urban Anthropology,
Family Business Review,
Journal of Consumer Affairs, Journal
of Marriage and the Family, and the Journal of Family and Economic