About The Authors, Financial
Counseling and Planning, Volume 13(2), 2002
Vickie Bajtelsmit,
Predictors of Women’s Involvement
in Household Financial Decision-Making, is an Associate Professor in
the Department of Finance and Real Estate at Colorado State University where
she has taught since 1991. She holds a PhD in Insurance and Risk Management
from the University of Pennsylvania’s Wharton School of Business, a JD from
Rutgers University School of Law, and a BA from the University of Virginia.
Bajtelsmit is the author of The
Busy Woman’s Guide to Financial Freedom (AMACOM, 2002), a comprehensive
financial planning trade book, she has published academic and professional
research covering a variety of topics in pensions, social security, and insurance,
and she is currently writing a personal finance textbook. Bajtelsmit serves
on the editorial boards of Benefits
Quarterly, the Journal of
Financial Service Professionals, and the Financial Services Review for which she
guest edited the 2001 Special Issue on Pensions and Retirement. She is currently
the President of the Academy of Financial Services.
Alexandra
Bernasek, Predictors
of Women’s Involvement in Household Financial Decision-Making, is an
Associate Professor in the Department of Economics at Colorado State University
where she has taught since 1992. She holds a PhD in Economics from the University
of Michigan, Ann Arbor, an MA in Economics also from Michigan, and a Bachelor
of Economics (Honours) from the University of Sydney, Australia. Bernasek
has published widely in the area of gender and economics and with her co-authors
Nancy Jianakoplos and Vickie Bajtelsmit has published more specifically in
the area of gender as it relates to risk aversion, financial decision-making
and retirement. Her research has been published in a number of journals
including, Economic Inquiry,
Contemporary Economic Policy,
and Financial Counseling and Planning.
She has completed research reports on women and retirement for TIAA-CREF
and AARP. She is currently working on a book entitled The Gendered Economy.
Cathy Faulcon Bowen,
Financial Knowledge of Teens and
their Parents, is an associate professor and state extension specialist
in the Department of Agricultural and Extension Education at The Pennsylvania
State University. Her work involves major consumer and financial issues
affecting consumers. Credit cards, fraud and scams, and the financial education
of youth have been ongoing areas of focus. Bowen, the recipient of the 2001
Family Economics and Resource Management Education Award, holds a BS from
North Carolina Agricultural and Technical State University and the M.S. and
PhD from The Ohio State University.
Brenda J. Cude, Intention To Adopt Online Trading:
Identifying the Future Online Traders, is a professor of consumer economics
and head of the Department of Housing and Consumer Economics, University
of Georgia. Her most recent research has focused on consumers’ use of the
Internet. She earned her BS and MS at the University of Tennessee at Martin
and her PhD at the Purdue University in Consumer Economics.
Sharon M. Danes,
Business, Family,
and Resource Intermingling Characteristics as Predictors of Cash Flow Problems
in Family-Owned Businesses, is Professor in the Family Social
Science Department at the University of Minnesota. Her BA is from the University
of Wisconsin-Madison, MS is from Michigan State, and her PhD is from Iowa
State University. Her current research interests include the intersection
of social and economic decision making particularly in family businesses,
women and financial management, and children and money. In 1998 she received
the Dean and Director’s Award to Distinguished Extension Faculty. In 1997
she received the Excellence in Research Award for the College of Human Ecology
at the University of Minnesota and was recognized by her family economics
colleagues in 1996 with the Family Economics and Resource Management Division
Research Award, which is a division of the American Association for Family
and Consumer Sciences.
Amy N. Van Guilder
Dik, Business,
Family, and Resource Intermingling Characteristics as Predictors of Cash
Flow Problems in Family-Owned Businesses, is a graduate student at the University
of Minnesota in the Family Social Science Department and the School of Social
Work. She received a BA in psychology in 2000 from Calvin College in Grand
Rapids, Michigan. Her professional areas of interest include aging, intergenerational
relationships, families and grief, and sexual assault and harassment.
Jessie X. Fan, Savers, Debtors, and Simultaneous
Debtors and Savers, is an Associate Professor in Family and Consumer
Studies at the University of Utah. Her research interests include household
consumption, saving, borrowing, and investment behaviors, as well as household
economic well-being associated with these behaviors. She was a winner of
the McGraw-Hill Competitive Paper Award of the Academy of Financial Services
in 1991 and 1992, and won the 1994 Dissertation Award of the American Council
on Consumer Interests. She has published in Financial Services Review,
the Journal of Consumer
Affairs, Family
and Consumer Sciences Research Journal, the Journal of Consumer Studies and
Home Economics, and the Journal of Family and Economic
Issues. She received a PhD in Family Resource Management at The Ohio
State University in 1993.
So-Hyun Joo,
Factors Affecting
Workers’ Retirement Confidence: A Gender Perspective, is an Assistant
Professor in the Family Financial Planning program at Texas Tech University.
She received her PhD 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, retirement preparedness, and college students and credit cards.
She received the best conference paper award from the Association for Financial
Counseling and Planning Education in 1998, best academic paper awards from
the Certified Financial Planner Board of Standard in 1999, and 2002 Texas
Tech Ex-Student Association New Faculty Award. She currently teaches courses
in consumer issues, family economics, research methods, and financial planning
technology. She has published articles in various journals including Family and Consumer Sciences Research
Journal, Journal
of Employment Counseling, Journal of Compensation and Benefits,
and Journal of Family
and Consumer Sciences.
Mary Jo Katras,
Business, Family,
and Resource Intermingling Characteristics as Predictors of Cash Flow Problems
in Family-Owned Businesses, is a Research Associate in the Family
Social Science Department at the University of Minnesota. She received her
PhD. from the University of Minnesota in 2003, a Master’s degree in Sociology
at Loyola University Chicago in 1999 and her BA in Sociology from the College
of St. Benedict and St. John’s University in 1996. Her research interests
include the economic and social resources of families, specifically low-income
families, and family policy.
Jinkook
Lee, Intention
To Adopt Online Trading: Identifying the Future Online Traders, is a professor in the Consumer and
Textile Sciences Department at the Ohio State University. Before joining
OSU, she was a faculty member at the University of Georgia, Athens and the
University of Tennessee, Knoxville. Her specific research expertise lies
on consumer behavior in financial market and economics of aging. Her current
research interests include intergenerational wealth transfer, Medicaid estate
planning, and probabilistic thinking. Her current and previous consulting
experience includes Federal Reserve Board, the Federal Reserve Bank of Atlanta,
Credit Union National Association, the Center for Credit Union Research,
American Association of Retired Persons, and the State of Florida. She has
published extensively, with over 90 publications including academic journals
(e.g., Journal of
Consumer Affairs, Journal of Public Policy & Marketing, Journal of Gerontology:
Social Sciences, Journal of Services Marketing, Journal of Business and Economic
Studies, Economic Development Quarterly, Financial Services Review), monographs, and book chapters.
She has received a number of honors and awards, including: Applied Consumer Economics Award by American Council on Consumer Interests;
Certified Financial
Planning Board’s Best Article Award; The Jefferson Prize, Chancellor’s Research Award by the
University of Tennessee; and The New Leader Award by the Ohio State University. Her
undergraduate studies were completed at Seoul National University, Korea.
She received MS and PhD degrees from the Ohio State University.
Yoon G. Lee,
Business, Family,
and Resource Intermingling Characteristics as Predictors of Cash Flow Problems
in Family-Owned Businesses, is an Assistant Professor in the
Department of Human Environments. She received her PhD in consumer and family
economics from the University of Missouri-Columbia in 1995 and MS in family
ecology from the University of Utah in 1990. She did her undergraduate studies
in Seoul, South Korea, where she was born and grew up. She was a winner of
the 1997 ACCI Dissertation Award. Her current research interests include
household consumption patterns, human capital investments in children, living
arrangements of the elderly, financial security of single older
women, women in family-owned businesses, and family time use.
Yinghao Mickey Li, Intention To Adopt Online Trading:
Identifying the Future Online Traders, is a statistician in Marketing and
Analysis at Capital One Financial Corporation. He specializes in statistical
modeling and datamining in marketing and credit risk management. He was a
winner of the 2002 Student Research Award of the American Council on Consumer
Interests. He received an MS in Consumer Economics at the University of Georgia
in 2001 and a BA in Economics in 1999 at Renmin University (People’s University),
China.
Joan Koonce Moss,
Development of a National
Certification Examination for Homeowner Educators and Housing Counselors,
is an Associate Professor in the Department of Housing and Consumer Economics
at the University of Georgia. She received her MS and PhD in Family Resources
Management (Family and Consumer Economics) with a minor in Business Finance
from the Ohio State University in 1985 and 1988, respectively. She earned
her BS in Home Economics Education at North Carolina Central University in
1983. She served a three year term on the Board of Directors for the American
Council on Consumer Interests. She was chosen from among six colleges by
the Gamma Sigma Delta Honor Society to receive the Distinguished Teacher Award.
She received the Russell A. Dixon Award for the Outstanding Applied Economics
paper published in Advancing
the Consumer Interest. She recently completed the Certified Financial
Planner (CFP) Professional Education Program through the College for Financial
Planning and plans to sit for the CFP Certification Examination. She teaches
financial management courses, and her research focuses on 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.
Patricia D.
Olson, Business,
Family, and Resource Intermingling Characteristics as Predictors of Cash
Flow Problems in Family-Owned Businesses, is the Associate Capacity Area Leader for
the University of Minnesota Extension Service Family Development Capacity
Area. Her BS is from
North Dakota State University and both her MS and PhD are from The Ohio State
University. Her current research interests include entrepreneurial families,
family-owned businesses, and limited income families.
Vanda W.
Pauwels, Factors
Affecting Workers’ Retirement Confidence: A Gender Perspective, is an
Assistant Professor at Lubbock Christian University in Lubbock, Texas. She
has been in this position for four years. She is a doctoral candidate at
Texas Tech University in Lubbock, Texas. She received her master’s degree
in Accounting from Texas Tech University in 1994, and she is a Certified
Public Accountant. She has published in the Proceedings of the Association
for Financial Counseling and Planning Education and the Journal of Retirement Planning.
She has presented at the annual conference of the Association for Financial
Counseling and Planning Education, the American Women’s Society of Certified
Public Accountants continuing professional education course, and the Texas
Beef Council. Her research interests include retirement confidence, gender
differences in retirement confidence, and retirement preparedness. She teaches
accounting, income tax, auditing, and cost accounting.
Sherrie L.W. Rhine,
Adult Preferences
For the Delivery of Personal Finance Information, has been the manager
of the Consumer Issues Research group at the Federal Reserve Bank of Chicago
since 1996. Her research interests include consumer access to and use of
financial services, especially for minority, lower-income and immigrant consumers;
small business financing; community economic development and financial education
and literacy. Prior to employment at the Fed, she worked in academia for
10 years and in international tax consulting at a major accounting firm several
years. She has published in numerous Federal Reserve System publications
and in academic journals including: Advancing the Consumer Interest,
American Economic Review
Papers and Proceedings, Review of Economics and Statistics,
Journal of Consumer
Education, Journal
of Human Resources, Health Economics, Applied Economics, Journal of Risk and Insurance,
and the Economics
of Education Review. She earned a PhD from the University of South Carolina
and a BS from the University of South Florida.
Gladys G. Shelton,
Development of a National
Certification Examination for Homeowner Educators and Housing Counselors,
is the Chairperson of the Department of Human Environment and Family Sciences
at North Carolina A&T State University, Greensboro, North Carolina. Prior
to this position she was an associate professor in the Department of Housing
and Consumer Economics at the University of Georgia. During her 11 years
in Athens, she and Joan Koonce Moss were collaborators on several housing
counseling grants and projects. She earned her BS degree from North Carolina
Central University, MS from Cornell University and PhD from Virginia Tech.
Heather L. Spencer,
Savers, Debtors, and
Simultaneous Debtors and Savers, is an Associate Instructor in the Family
and Consumer Studies department at the University of Utah. She holds a BS
from Montana State University-Bozeman (1998) and an MS from the University
of Utah (2001).
Maude Toussaint-Comeau,
Adult Preferences
For the Delivery of Personal Finance Information, joined the Consumer
Issues Research group in Consumer and Community Affairs Division at the Federal
Reserve Bank of Chicago as an Economist on June 1998. Maude has authored
or co-authored several papers on the use of formal and informal financial
markets by minority groups as well as the use of alternative financial services
such as check-cashing outlets and payday loan companies. Her current research
agenda focuses on immigrant utilization of financial services and homeownership
attainment of Hispanics, immigrant/ethnic self-employment, and financial
literacy. Maude holds a Bachelor of Arts Degree in Economics from the University
of Illinois at Urbana-Champaign, an MS in Economics from Temple University,
and a PhD degree from the University of Illinois at Chicago.
Virginia Solis Zuiker,
Business, Family,
and Resource Intermingling Characteristics as Predictors of Cash Flow Problems
in Family-Owned Businesses, is an Assistant Professor in the Department
of Family Social Science at the University of Minnesota. She teaches courses
on personal and family finance, family financial counseling, family resource
management, economic perspectives of families, and family decision-making.
Her scholarly research focus is in the area of economic well being of families
with particular interest in self-employment and family-owned businesses.
Her research focuses on the Hispanic family life and she is the author of
Hispanic Self-Employment
in the Southwest Rising Above the Threshold Of Poverty, (Garland Publishing, 1997). She
was the recipient of the College of Human Ecology New Career of Excellence
Award in 2000. Her BS is from the University of North Texas, her MS is from
Texas Tech University, and her PhD is from The Ohio State University.