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About the Authors

Sophia T. Anong, Income Quintiles: Examining Changes in the Characteristics of Respondents, is an Assistant Professor in the Department of Apparel, Housing, and Resource Management at Virginia Tech. She earned a Ph.D. and M.S. at Purdue University from the Department of Consumer Sciences and Retailing and Department of Agricultural Economics, respectively. She earned a B.S. from Africa University in Zimbabwe. Her research inter- ests include family economic well-being, global entrepre- neurship, and international development.

Sharon M. Danes, Teen Financial Knowledge, Self- Efficacy, and Behavior: A Gendered View, is a Professor in the Family Social Science Department at the University of Minnesota. She has authored over 150 refereed research articles, book chapters, and outreach publications empha- sizing the intersection of economic and social decision making. Her research and outreach focus is the impact of family and business system interconnectedness on family business viability, including the dynamics of change. She has received over $1,000,000 of research and educational grants over the last 10 years; the most recent grant was from the National Science Foundation for $272,587 for 2006-2008. In 2007, her research paper entitled “Management Practices of Small Private Firms within a Quality Framework” was selected for the Office Depot Small Business Research Forum. In 2006, she received Honorable Mention for her research article entitled “Family Business Success: Differences in Female- and Male-owned Businesses” from the Family Enterprise Research Conference. In 2004, she was the Juran Faculty Scholar, Juran Center for Leadership in Quality, Carlson School of Management, University of Minnesota. She is Past-President of the Association for Financial Counseling and Planning Education®. She serves on several editorial boards of research journals.

Sharon A. DeVaney, Income Quintiles: Examining Changes in the Characteristics of Respondents, is a Professor in the Department of Consumer Sciences and Retailing at Purdue University where she serves as the CFPTM Program Director and the Graduate Student Director. She received a B.S. and M.S. from South Dakota State University and a Ph.D. from The Ohio State University. Her research interests include retirement plan-

ning, self-employment, credit use, and distance education. She is the author of more than 60 refereed articles, nine chapters, numerous articles in conference proceedings, and six Web sites. Her research has been funded by AARP, the National Institute on Aging, USDA, and the National Endowment for Financial Education. She has received four awards for papers from the Certified Financial Planner Board of Standards, two awards for the best journal article from Financial Counseling and Planning, a best paper award from the American Collegiate Retailing Association, a dissertation award from the Ohio Home Economics Association, an award from the Graduate Research Forum at The Ohio State University, and a student paper award from EFERMA. DeVaney has encouraged many graduate students to pre- sent at national conferences including AFCPE. Three stu- dents that she advised have received outstanding disserta- tion or thesis awards from the Western Family Economics Association and another student received a best paper award from AFCPE. She is a member of the Financial Security for All Community of Practice of eXtension. During the past year, DeVaney has been involved in the transformation of several Web sites that she has authored to the Financial Security for All section of eXtension.

Dorothy Bagwell Durband, Assessing the Use and Usefulness of Current Financial Resources for Civilian Military Spouses, is Associate Professor of Personal Financial Planning and Associate Chair of the Department of Applied and Professional Studies at Texas Tech University, Lubbock, TX. Durband also directs the opera- tions of Red to Black™, a financial counseling program for Texas Tech students, faculty, and staff. She received a Ph.D. in Family Financial Management from Virginia Tech and holds a M.S. degree from Texas Woman's University and a B.S. from Louisiana State University. She is an Accredited Financial Counselor. Her research interests include college student financial behaviors, finan- cial counseling techniques, and employee financial educa- tion.

Jonathan Fox, Women’s High-Consequence Decision Making: Choice Processes for Mutual Fund Investments, is Associate Professor and Program Director for the Certified Financial Planning (CFP®) Program in Consumer Sciences


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