About the authors in the 1996 issue of Financial Counseling and Planning Journal




About the Authors


M.J. Alhabeeb, Teenagers’ Money, Discretionary Spending, and
Saving
is an Assistant Professor in the Department of Consumer Studies
at the University of Massachusetts Amherst, where he teaches courses in
Personal and Family Finance, Family Economics, and Consumer Economics.
He received a B.S. and M.S. in Economics at the University of Baghdad,
Iraq, and a Ph.D. in Family and Consumption Economics at the University
of Illinois, Urbana/Champaign. He is a Sam Walton Fellow for National
and International Free Enterprise.

Vickie
L. Bajtelsmit
, Why Do Women Invest Differently Than Men?,
is an Assistant Professor in the Department of Finance and Real Estate
at Colorado State University, where she teaches courses in Corporate Finance
and Risk Management. She received a J.D. from Rutgers University in 1982
and a Ph.D in Risk Management and Insurance from the Wharton School of
the University of Pennsylvania in 1994.

Janet C. Bechman, Cash Flow Management and Credit Use: Effect
of a Financial Information Program
, is an Extension Specialist in Family
Resource Management at Purdue University. She received her M.S. in Consumer
Economics from Purdue University and her B.S. in Vocational Home Economics
Education from Purdue University. She became an Accredited Financial Counselor
in 1994. She was a winner of the Outstanding Conference Paper at the 1994
AFCPE conference.

Alexandra Bernasek, Why Do Women Invest Differently Than Men?,
is an Assistant Professor of Economics at Colorado State University, where
she teaches courses in Microeconomics, Gender in the Economy, Economic
Development and Women’s Studies. She received her Ph.D. in economics from
the University of Michigan in 1992. Her main research interest is studying
how gender impacts the economic well-being of individuals and society.
She is a member of the International Association for Feminist Economics.

Peng
Chen
, Efficient Portfolios for Saving for College and Negative
Net Worth and the Life Cycle Hypothesis
, is a Ph.D. candidate in the
Consumer Sciences Department, The Ohio State University. He
has been a Teaching Associate for financial management classes and a Research
Associate with the Computer Applications Center. He won an Article of
Excellence
award from the Certified Financial Planner Board of Standards
in 1996.

Sheran Cramer, Effect of Financial Concerns Upon Workplace
Behavior and Productivity
, is an Associate Professor in Family and
Consumer Sciences, University of Nebraska where she teaches courses in
Personal and Family Finance, Families in the Economy and Financial Couseling.
She has a Ph.D. from the University of Nebraska and is an Accredited Financial
Counselor. In 1990 and 1995 she received the Nebraska Legislature Distinquished
Teaching Award. Retirement plans and pension reform in Sweden and other
European countries were research efforts as part of a recent faculty development
leave.

Sharon
A. DeVaney
, Cash Flow Management and Credit Use: Effect of a
Financial Information Program
, and Determinants of Couples’ Defined
Contribution Retirement Funds
, is an Assistant Professor in the Consumer
Sciences and Retailing Department at Purdue University, where she teaches
courses in Retirement Planning, Employee Benefits and Case Studies in Individual
Financial Planning. She received a Ph.D. at The Ohio State University in
1993. She became an Accredited Financial Counselor in 1994. She won the
Best Paper Award at the 1994 AFCPE conference and the 1994 International
Board of Certified Financial Planners Best Paper Award
. She received
the Best Article Award in 1995 from AFCPE for her article in the
1994 issue. Her research has been funded by the International Association
of Financial Planning, Purdue Gerontology Program, Phi Upsilon Omicron,
and Purdue Agricultural Research Program.

Michael
Finke
, Negative Net Worth and the Life Cycle Hypothesis,
is a Ph.D. candidate in the Consumer Sciences Department, The
Ohio State University.

Rich Fortner, A Test of the HUD Guideline for Borrower Selection
of a 30-Year, Fixed-rate Mortgage
, is a Professor of Management and
Accounting at The University of Michigan-Flint, where he teaches courses
in corporate strategy and managerial accounting. He earned his B.S., M.B.A.,
and D.B.A. degrees from Indiana University (Bloomington) and received his
C.P.A. certificate from the State of Indiana.

Jonathan
J. Fox
, Home Ownership and the Decision to Overspend, is
an Assistant Professor in the Consumer and Textile Science Department at
The Ohio State University. He teaches Family Financial Management and Quantitative
Research Methods. He received a Ph.D. from The University of Maryland in
1994. He won the American Council on Consumer Interest Dissertation Award
in 1995.

E. Thomas Garman, The Negative Impact of Employee Poor Financial
Behaviors, on Employers
, is Professor in Consumer Affairs and Family
Financial Management, Virginia Tech, where he teaches both consumer economics
and personal finance courses. Under Garman’s direction, Virginia Tech hosted
the first national conference on financial counseling in 1977. In 1995,
he was elected a Distinguished Fellow by the American Council on Consumer
Interests. Garman is the senior author of Personal Finance, a best
selling college textbook.

Loren
V. Geistfeld
, Determinents of Financial Adequacy for Retirement,
is a professor in the Department of Consumer Sciences at The
Ohio State University. In addition to his faculty and administrative roles
at The Ohio State University, Geistfeld has filled positions at Purdue
University and Cornell University. He has more than 60 scholarly publications,
is a Distinguished Fellow of the American Council on Consumer Interests,
and is a recipient of the College of Human Ecology Dean’s Faculty Award
at The Ohio State University. Geistfeld received his Ph.D. in Applied Economics
from the University of Minnesota.

Deborah D. Godwin, Newlywed Couples’ Debt Portfolios: Are
All Debts Created Equally
, is an Associate Professor in the Department
of Housing and Consumer Economics at The University of Georgia, where she
teaches courses in financial management, consumer economics, and research
methods. She received a Ph.D. from the University of North Carolina at
Greensboro in 1980. She is a past winner of the Reuben Hill Award for Outstanding
Theory and Research article of the year from the National Council on Family
Relations.

Elizabeth E. Gorham, Cash Flow Management and Credit Use:
Effect of a Financial Information Program
is Family Resource Management
Specialist, Cooperative Extension Service, and Assistant Professor, Department
of Human Environments, College of Family Life, Utah State University. She
received a Ph.D. at Oregon State University in 1993 and became an Accredited
Financial Counselor in 1995. She won the Innovative Specialist Award
from the Utah State University Extension Specialists Association in 1994
and the Utah Home Economics Association Leader Award in 1991.

John E. Grable, The Negative Impact of Employee Poor Financial
Behaviors on Employers
, is a Doctoral Student in Family Financial Management
at Virginia Tech. He received an MBA from Clarkson University in 1988 and
a B.S. in Business/Economics from the University of Nevada in 1987. He
is a Certified Financial Planner and a Registered Investment Advisor.

Virginia A. Haldeman, Cash Flow Management and Credit Use:
Effect of a Financial Information Program
, and Effect of Financial
Conerns Upon Workplace Behavior and Productivity
, is a Professor of
Human Development and Family Studies at the University of Nevada. She is
the Nevada Cooperative Extension State Specialist for Family Resource Management.
She has served on the Board of Directors of ACCI and has been editor of
the ACCI Proceedings. She has also served two terms as Executive
Director of the Western Region Home Management Family Economic Educators
and as President of that group. She received her Ed.D. and M.S. from Utah
State University and B.S. from the University of Washington. She will retire
at the end of the 1996-97 academic year.

Sherman
Hanna,
Who Cares? An Other Responses to Research, Efficient
Portfolios for Saving for College
, and Factors Related to Risk Tolerance,
is a professor in the Consumer Sciences Department at The Ohio
State University. He received a Ph.D. in Consumer Economics from Cornell
University and a B.S. in Economics from the Massachusetts Institute of
Technology. He is the editor of Financial Counseling and Planning.

Chandrika
Jayathirtha
, Home Ownership and the Decision to Overspend,
is a Ph.D. candidate in the Consumer Sciences Department, at
The Ohio State University. She received her Masters Degree in Economics
from Bangalore University, India and a M.S. degree in Family Resource Managemen
at The Ohio State University.

Irene E. Leech, The Negative Impact of Employee Poor Financial
Behaviors on Employers
, is an Associate Professor and Extension Specialist
in Consumer Education at Virgina Tech. She provides statewide leadership
for extension youth and adult consumer education and teaches financial
counseling to extension agents, volunteers, and on-campus students. She
has a Ph.D. from Virginia Tech and is certified in Family and Consumer
Sciences. In 1993 she was selected as an American Home Economics Association
New Achiever and in 1992 she received the Consumer Education and Information
Assocaiton of Virginia Distinguished Service Award. Her research includes
evaluation of financial counseling training and financial education delivered
by satellite.

Joan Koonce Lewis, Effect of Financial Resources and Credit
on Savings Behavior of Low-Income Families
is an Associate Professor
in the Department of Housing and Consumer Economics at the University of
Georgia, where she teaches Principles of Family Finance, Advanced Family
Finance, and Family Financial Counseling. She received her Ph.D. at The
Ohio State University in 1988. She received the 1996 Russell A. Dixon Award
for the outstanding applied paper in Advancing the Consumer Interest and
was chosen as a consumer representative for the National Association of
Insurance Commissioners in 1996.

Jieyu Li, Determinants of Financial Adequacy for Retirement,
is an analyst for Quality Management in the Division of Medical Assistance
for the State of Massachusetts. She received a Ph.D. in Family Resource
Management from The Ohio State University in 1996, and a M.S. in Consumer
Economics from Cornell University in 1991.

John Marquardt, A Test of the HUD Guideline for Borrower Selection
of a 30-Year, Fixed-rate Mortgage
, is an Associate Professor of Accountancy
at The University of Michigan-Flint, where he teaches courses in accounting
and taxation. He earned a Ph.D. in accountancy from The University of Illinois
(Urbana-Champaign) and received his C.P.A. certificate from the State of
Michigan.

Catherine
P. Montalto
, Multiple Imputation in the 1992 Survey of Consumer
Finances
and Determinants of Financial Adequacy for Retirement,
is an Assistant Professor in the Consumer Sciences Department
at The Ohio State University. She received a Ph.D. in Consumer Economics
from Cornell University in 1992 with minors in Labor Economics and Applied
Economics/Econometrics. She received the 1993 Dissertation Award from the
American Council on Consumer Interests and is a member of the Editorial
Board for Advancing the Consumer Interest.

Jaimie
Sung
, Factors Related to Risk Tolerance, and Multiple
Imputation in the 1992 Survey of Consumer Finances
, is a Ph.D. candidate
in the Consumer Sciences Department at The Ohio State University.
She received a M.A. in household administration from Ewha Woman’s University.

Premal P. Vora, Breakeven Periods for Individual Retirement
Accounts With Partial Withdrawals
, is an Assistant Professor of Finance
in the Management Division at Penn State­Great Valley, where he teaches
Corporate Finance and Microeconomics. He received a Ph.D. in Finance at
Penn State in 1991. He received the McGraw-Hill Best Paper Award at the
1994 Academy of Financial Services meeting.

Flora
L. Williams
, Ph. D., AFC, Effect of Financial Concerns Upon
Workplace Behavior and Productivity
, 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 PurdueUniversity. 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
adjunct professor at Vicsoa Uniersity, 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 immediate 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.

Walt Woerheide,
A Test of the HUD Guideline for Borrower Selection of a 30-Year, Fixed-rate
Mortgage
, is a Professor of Finance at Rochester Institute of Technology.
He received a Ph.D. in finance and an MBA from Washington University (St.
Louis), and a B.A. in mathematical economics from Brown University. He
just finished serving as president of the Academy of Financial Services,
and currently serves as the Second-Vice-President of the Midwest Finance
Association. He is an associate editor for Financial Services Review.

Jing J. Xiao, Effects of Family Income and Life Cycle Variables
on Financial Asset Ownership,
is an Associate Professor at the University
of Rhode Island. He received a Ph.D. in Consumer Economics at Oregon State
University in 1992. He is the Chair of both AFCPE Student Paper Award Committee
(1995-96) and ACCI Development Committee (1995-97). He is the co-editor
of Mathematics of Personal Finance.

Yoonkyung
Yuh
, Determinants of Couples’ Defined Contribution Retirement
Funds
, is a Ph.D. candidate in the College of Human Ecology at The
Ohio State University. She received M.S. and B.S. degrees from Ewha Womans
University. 


Return to Financial
Counseling and Planning Journal
home page