About the Authors [Volume 10 (2)]
M. J. Alhabeeb, Allowances and the Economic
Socialization of Children, is an Associate Professor in
the Department of Consumer Studies at the University of
Massachusetts Amherst. He received his Ph.D. in Family
and Consumption Economics from the University of
Illinois at Urbana-Champaign. He is a Sam Walton
Fellow of free enterprise. He received an outstanding
research award from the Allied Academies – Academy of
Marketing Studies in 1999 and 2000. He was an author of
a paper that won the CFP Board of Standards
Outstanding Research Award at the 2000 meeting of the
American Council on Consumer Interests. His research
interests focus at the human capital applications in
children and youth: expenditures on and by children,
youth spending and saving, and youth employment.
Garth H. Allen, Consumer Satisfaction with Life
Insurance: A Benchmarking Survey, is an Associate
Professor of Business and Finance Department Chair at
the Monfort College of Business, University of Northern
Colorado, Greeley, Colorado. His research interests and
publications are related to insurance and insurance law.
He is also engaged in insurance related forensic work and
has given expert testimony in several cases.
Celia R. Hayhoe, Factors Affecting Perceived Economic
Well-being of College Students: A Gender Perspective, is
an Assistant Professor in the Department of Family
Studies at the University of Kentucky. She received her
Ph.D in Family and Consumer Resources and in Master
of Science in Finance from the University of Arizona.
She has been a Certified Financial Planner since 1985.
Her areas of research include college students’ use of
credit, perceived economic well-being, and retirement
funding choices. She teaches undergraduate and graduate
courses in personal finance and will offer a beginning
personal finance class by Internet starting in the Spring
2001 semester. She is one of the five recipients to receive
the American Association of Family and Consumer
Sciences New Achievers Award in 2000. She will be
presenting two papers on perceived economic well-being
at the annual conference of the International Society of
Quality of Life Studies in Girona, Spain in the summer of
2000.
Jeanne M. Hogarth, Returns to Information Search:
Consumer Credit Card 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.
Gregory A. Kuhlemeyer, Consumer Satisfaction with
Life Insurance: A Benchmarking Survey, is an Associate
Professor of Business Administration at Carroll College
in Waukesha, Wisconsin. He received his Ph.D. from the
University of Tennessee in Knoxville. He has published
in numerous academic journals including Financial
Practice and Education, Managerial Finance, and
Journal of Transportation Management. His research
interest relates to personal financial planning issues as it
relates to consumers.
Lauren J. Leach, Factors Affecting Perceived Economic
Well-being of College Students: A Gender Perspective, is
an Assistant Professor of Family Resource Management
at Northwest Missouri State University, Maryville, where
she teaches undergraduate level courses in family
resource management which incorporate service-learning
and Web-based components. She received her Ph.D. in
Family and Consumption Economics at the University of
Illinois at Urbana-Champaign and previously taught as an
Assistant Professor at State University of New York
College at Oneonta. Her research interests include credit
and loan use among college students and young adults,
economic well-being, and division of household labor in
married couples. She will be co-presenting a paper on
perceived economic well-being at the annual conference
of the International Society of Quality of Life Studies in
Girona, Spain in the summer of 2000.
Jinkook Lee, Returns to Information Search: Consumer
Credit Card Shopping Decisions, is a Professor at Ohio State University. Her specific
areas of research expertise include consumer information
search, complaint behavior, 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.
Lakshmi Malroutu, Sources of Income Inequality
among the Elderly, is an Associate Professor of
Consumer Studies and Personal Finance at Queens
College, City University of New York. She received her M.S. and Ph.D. in
Consumer Economics/Family Resource Management at
Oregon State University.
Pamela R. Turner, Factors Affecting Perceived
Economic Well-being of College Students: A Gender
Perspective, works with the Consumer Credit Counseling
Service (CCCS) of Greater Dallas, located in Dallas,
Texas, as Director of Housing. Her work entails
providing and developing new information and education
programs on homeownership for consumers, real estate
professionals, government agencies and community
organizations. Prior to joining CCCS she earned a Ph.D.
in Consumer Economics from the University of Maryland
and worked as an Assistant Professor at Kansas State
University. Her research interests include financial
literacy, credit card use among young adults and the
impact of pre-purchase education on foreclosure rates.
She works with the U.S. Department of Housing and
Urban Development, Freddie Mac and the Texas
Department of Housing and Community Affairs to
promote responsible homeownership and provide
financing alternatives for credit challenged buyers.
Jing J. Xiao, Sources of Income Inequality among the
Elderly, is an Associate Professor of Family Finance at
University of Rhode Island. He received a Ph.D. in
consumer economics at Oregon State University and M.
S. and B. S. degrees in economics at Zhongnan
University of Finance and Economics. He is the co-editor
of the book, The Mathematics of Personal Financial
Planning. He serves on the editorial board of Financial
Counseling and Planning and is an associate editor of
Journal of Consumer Affairs. He will become the Editor
of Journal of Family and Economic Issues in January
2001. His research on family financial planning, impact
of e-commerce on family life, and family businesses has
been supported by the U.S. Department of Labor, U.S.
Department of Agriculture, U.S. Department of
Transportation, Certified Financial Planners Standard
Board, and the University of Rhode Island. He was an
author of a paper that won the CFP Board of Standards
Outstanding Research Award at the 2000 meeting of the
American Council on Consumer Interests.
Flora L. Williams, Ph.D., AFC, RFC, Costs And Benefits
Of Loan Consolidation, is Associate Professor of Family
and Consumer Economics at Purdue University. She
received her B.S. degree from Manchester College and
M.S. and Ph.D. from Purdue University. She teaches
family economics, resource management for individuals
and families, financial counseling, and financial advising.
She directs a university financial clinic serving clients of
all socioeconomic levels. She has been an Adjunct
Professor at Vicsoa University, Brazil and has taught in
the marketing graduate program at Shanghai Jia Tong
University. Williams’ research interests include economic
well-being, quality of life, public policy and poverty
programs, housing expenditures, and financial concerns
as impacting productivity. She is a past president of the
Association for Financial Counseling and Planning and
chair for papers of the International Society for Quality of
Life Studies for family and consumer economics,
resource management, and family studies.
Yoonkyung Yuh, Sources of Income Inequality among
the Elderly, is an Instructor in
the Department of Consumer Science and Human
Development at Ewha Womans University in Korea. She
received a Ph.D. in the Consumer Sciences
Department at The Ohio State University in 1998 with
minor in Statistics. She received the 2000 Dissertation
Award, Honorable Mention, from the American Council
on Consumer Interests, and the 1999 Best Dissertation
Award from the Ohio Association for Family and
Consumer Sciences. Her research based on dissertation
was mentioned in an article in the New York Times and
other newspapers, and in a number of radio broadcasts in
the United States.