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at The Ohio State University. He teaches courses in com- prehensive financial planning, income tax planning, and consumer theory. Fox has published over 20 peer-reviewed articles on the financial learning and decision making process in a wide range of academic journals. Some of his recent work identifies the challenges and opportunities in delivering and evaluating financial education in formal settings.

Tim S. Griesdorn, Book Review, The World is Flat, is a Ph.D. student in Personal Financial Planning at Texas Tech University and is a plant controller at Tyco Fire & Building Products. He volunteers as a financial planner in the community outreach program of Red to Black™, a financial counseling program for members of the local community. Griesdorn holds the CMA (Certified Manage- ment Accountant) and CFM (Certified in Financial Man- agement) designations from the Institute of Certified Man- agement Accountants™. He received his undergraduate degrees in finance and accounting from the University of Cincinnati and his MBA from the Western Carolina Uni- versity in North Carolina. Research interests include finan- cial education in the workplace, financial behavior change, financial counseling techniques, and financial literacy.

Heather R. Haberman, Teen Financial Knowledge, Self- Efficacy, and Behavior: A Gendered View, is a doctoral candidate in the Department of Family Social Science at the University of Minnesota. Her Master’s thesis investi- gated family processes between two generations of couples in the context of their family businesses in rural communi- ties. She has published several articles on communication patterns and gendered discourse within family relation- ships. Her research has covered relational processes and relationship dynamics, including multi-generational family businesses, online romantic relationships, couples relation- ship as new parents, adoptive families, and young adult intimate relationships. She is currently writing about fam- ily scholar’s use and perceptions of the Internet as a tool in their research.

Sherman D. Hanna, The Risk Tolerance and Stock Ownership of Business Owning Households, is a Professor in the Consumer Sciences Department at The Ohio State University. He was a winner of the American College Award for a paper presented at the Academy of Financial Services in 2007, the Thompson Publishing Award for a paper presented at the Academy of Financial Services in 2005, a Certified Financial Planner Board Award for a paper presented at the Academy of Financial Services in

2004, a Certified Financial Planner Board Award for a paper presented at the American Council on Consumer Interests in 2003, and eight other awards for research pa- pers. He served as Editor of Financial Counseling and Planning from 1990 until 2002. Hanna has published in Financial Services Review, Journal of Consumer Research, Journal of Consumer Affairs, Family and Consumer Sciences Research Journal, Journal of Consumer Studies and Home Economics, Housing and Society, AAII Journal, Asia Pacific Advances in Consumer Research, International Journal of Human Ecology, Journal of Personal Finance, and Journal of Family and Economic Issues. He received a B.S. in economics from the Massachusetts Institute of Technology and a Ph.D. in consumer economics from Cornell University.

Russell N. James III, Is Time Running Out? Savings and Investments of Renters Nearing Retirement Age, is an Assistant Professor in the Department of Housing & Consumer Economics at the University of Georgia. He earned a J.D. from the University of Missouri School of Law and a Ph.D. in Consumer & Family Economics from the University of Missouri. His research interests include charitable giving, planned giving, housing tenure choice, and the well-being of renters. He recently received a re- search grant from the Association of Fundraising Profes- sionals to examine charitable giving in estate planning.

Jonghee Lee, Women’s High-Consequence Decision Making: Choice Processes for Mutual Fund Investments, is a doctoral student in the Department of Consumer Sciences at The Ohio State University. She received a Master’s degree in Home Economics from Korea University. Her research interests include credit card de- fault, credit card rating, and customer preferences for fi- nancial services.

Cäzilia Loibl, Women’s High-Consequence Decision Making: Choice Processes for Mutual Fund Investments, is an Assistant Professor in the Department of Consumer Sciences at The Ohio State University and is a State Specialist for Ohio State University Extension. She re- ceived her academic training at the Munich University of Technology and the Christian-Albrecht-University at Kiel, both in Germany. Dr. Loibl is a Certified Financial Planner®. Her research focuses on savings behavior.

Erin Mentel-Gaeta, Women’s High-Consequence Decision Making: Choice Processes for Mutual Fund Investments, is Vice President of Cephas Capital Management, LLC,

© 2007 Association for Financial Counseling and Planning Education®. All rights of reproduction in any form reserved.

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