About the authors, Volume 12(1) 2001



About
the Authors



Frank
C. Bearden, 
Personal
and Familial Conflicts of Interest in Providing Financial Planning to Friends,
Acquaintances, and Relatives,
is a Regional Vice President for CNA
in the Investment Products Group. He is a doctoral student in the Leadership
Studies program at Our Lady of the Lake University, San Antonio, TX and
holds an M.S. in Management from the American College, Bryn Mawr, PA and
a B.A. with honors from the University of North Texas. He also holds the
Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU)
designations, as well as the Registered Principal (Series 24), General
Securities (Series 7) licenses, and life, health, and property and casualty
insurance licenses. He has worked in financial planning and financial services
for over 25 years and has 30 professional publications to date, including
5 in refereed journals. Frank writes a bimonthly ethics column in a national
financial services publication.

Janet
C. Bechman
,Planning for a Secure Retirement with Distance Learning,
is an Extension Specialist, Family Resource Management, in the Department
of Consumer Sciences and Retailing at Purdue University. Her Extension
program has focused on financial management for women, retirement planning,
farm family finances, and financial security in later life. In addition,
she served as the coordinator of Purdue University’s Ag in Transition project
from 1999-2001. Janet received her B. S. in Home Economics Education and
M.S. in Consumer Economics from Purdue University. She is an Accredited
Financial Counselor.

Sharon
A. DeVaney
Planning for a Secure Retirement with
Distance Learning
,The
Determinants of Outstanding Balances among Credit Card Revolvers
The
Determinants of Outstanding Balances among Credit Card Revolvers
, and A
Cohort Analysis of the Amount in Defined Contribution and Individual Retirement
Accounts
, is an Associate Professor in the Department of Consumer Sciences
and Retailing at Purdue University. She has been recognized for her research,
teaching, and service. She has received three awards from the Certified
Financial Planner Board for articles on financing long-term care, retirement
income sources, and retirement preparation of the self-employed; two awards
for outstanding articles inFinancial
Counseling and Planning
on predicting household insolvency using financial
ratios and the financial planner and client relationship; and an award
from the International Council of Shopping Centers for predicting business
failure using ratios. She received the Mary Ellen Edmondson Educator of
the Year award from the Association of Financial Counseling and Planning
in 2000 and the Mid-Career Award from the American Council on Consumer
Interests in 2001. Her research has been funded by the United States Department
of Agriculture, the National Endowment for Financial Education, the AARP
Andrus Foundation, and the National Institute on Aging. She
earned the Ph.D. at The Ohio State University. Her BS and MS degrees are
from South Dakota State University.

John
E. Grable
A
Further Examination of Financial Help-seeking Behavior
, received his
undergraduate degree in economics and business from the University of Nevada,
an MBA from Clarkson University, and a Ph.D. from Virginia Tech. He is
the Certified Financial Planner(TM) Program Director at Kansas State University.
His research interests include financial risk-tolerance assessment, financial
planning help-seeking behavior, and financial wellness assessment. He has
been the recipient of several research and publication awards and grants,
and is active in promoting the link between research and financial planning
practice. He also serves on the Board of Directors of the International
Association of Registered Financial Consultants.

Marianne
A. Hilgert
Consumers’
Choice of Financial Institutions for Home-Secured Loans
, is a Research
Assistant in the Division of Consumer and Community Affairs at the Federal
Reserve Board. She holds a B.A. in Economics from the University of Michigan. 

Jeanne
M. Hogarth
Consumers’
Choice of Financial Institutions for Home-Secured Loans
, is a Program
Manager in the Division of Consumer and Community Affairs at the Federal
Reserve Board. Her recent projects there include research and outreach
initiatives on consumers’ use of banking services (focusing on lower income
households, the “unbanked,” and adoption of electronic banking services),
consumer protection strategies (focusing on predatory lending, credit and
leasing products and consumer privacy issues), and consumer complaining
behaviors. She holds a B.S. from Bowling Green State University and M.S.
and Ph.D. degrees from The Ohio State University.

So-hyun
Joo
A
Further Examination of Financial Help-seeking Behavior
, 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 specific research interests include measuring
financial wellness, financial education and its effectiveness, productivity
and financial wellness, and college students and credit cards. She received
the best conference paper award from the Association for Financial Counseling,
and Planning Education in 1998 and an academic paper awards from the Certified
Financial Planner Board of Standard in 1999. She currently teaches courses
in consumer issues, family economics, research methods, and financial planning
technology. She has published articles in various journals includingFamily
and Consumer Sciences Research Journal
Journal
of Employment Counseling
,
Journal of Compensation and Benefits
, and Journal
of Family and Consumer Sciences
.

Haejeong
Kim
The
Determinants of Outstanding Balances among Credit Card Revolvers
, is
currently a doctoral candidate in the Department of Consumer Sciences and
Retailing at Purdue University. Her areas of research are retirement behavior,
retirement income security, consumer credit, and small business. She received
B.S. and M.S. degrees at Seoul National University, Korea.

Joan
C. Koonce
,
Differences
in the Availability of Employer-Provided Fringe Benefits Among the Working
Poor, Near-Poor, and Non-Poor
, is an Associate Professor in the Department
of Housing and Consumer Economics at the University of Georgia. She received
her M.S. and Ph.D. in Family Resource Management (Family and Consumer Economics)
with a minor in Business Finance from the Ohio State University in 1985
and 1988, respectively. She earned her B.S. in Home Economics Education
at North Carolina Central University in 1983. She teaches financial management
courses, and her research focuses various financial management practices
of low-income families. Her work in the area of the home service method
of marketing insurance to the poor has gained a lot of attention from attorneys
and state insurance regulators.

Teresa
A. Mauldin
Differences
in the Availability of Employer-Provided Fringe Benefits Among the Working
Poor, Near-Poor and Non-Poor
, is an Associate Professor and Graduate
Coordinator in the Department of Housing and Consumer Economics at the
University of Georgia. She received her Ph.D. from the Ohio State University
and M.Ed. and B.S. degrees from the University of North Carolina at Greensboro.
Her research has focused on poverty dynamics, economic consequences of
divorce, and time use of single-parents. Current research interests include
the relationship between poverty and financial hardship and the dynamics
of poverty and divorce.

John
G. Powell
The
Financial Transition to Mature-Age Motherhood
, is an associate professor
of finance at Massey University in New Zealand. He was with the University
of Otago when this paper was written, and also previously worked at the
University of New South Wales in Sydney, Australia. He received a Ph.D. in
financial economics from the University of Toronto. He has published investments
research in finance journals such as the Journal
of Derivatives
, financial management research in business journals
such as Omega,
and behavioral finance papers in economics journals such as theJournal
of Economic Psychology
and Economics
Letters
. His current research interests include the relationship between
investor sentiment and stock market cycles as well as the financial transitions
of families.

Kimberley
Powell
The
Financial Transition to Mature-Age Motherhood
, is a freelance writer
and researcher living in Dunedin, New Zealand. She is currently a Research
Fellow in the Department of Marketing, University of Otago. Previously
a Lecturer in Early Childhood Education at University of Western Sydney
in Australia, Kimberley is currently writing a book on financial transitions
in parenthood along with her husband, John G. Powell. She received a graduate
diploma in Child Study from University of Toronto and a Master of Education
from University of Sydney before completing a Ph.D. in Education at University
of Otago in 1999. Her areas of research specialization include infant-parent
interaction, expectations in the transition to parenthood, and children’s
perspectives on media, financial and consumer issues, and she has published
articles in early childhood research journals.

Tongxiao
Catherine Zhang
A
Cohort Analysis of the Amount in Defined Contribution and Individual Retirement
Accounts: Evidence from the Survey of Consumer Finances
, is a Ph.D.
student majoring in Information Technology in the R. H. Smith School of
Business, University of Maryland at College Park. She received her undergraduate
degree from Beijing Polytechnic University in Beijing, China, and a Master
of Science degree in Retail Management from the Department of Consumer
Sciences at Purdue University. The topic of her thesis was consumer complaining
behavior and acculturation. Her current research focuses on the implementation
of technology in consumer services, especially health care.