Articles Published in Financial Counseling and Planning, 1990-1999

Articles Published in Financial Counseling and Planning, 1990-1999

Sherman Hanna

Below is a listing of all of the 130 regular articles published in Financial Counseling and Planning in the first 10 volumes. Everything is provided for a complete citation except the journal title. The preferred citation of an article in this journal includes listing the journal as Financial Counseling and Planning, without adding "The Journal of ..."

The articles are arranged in order by last name of the first author, then by year, so that, for instance, Chang and Lindamood, 1993 comes before Chang and Huston, 1995. This is not the usual journal reference list style, but was done to correspond to the index of key words, which lists articles by first author and year of publication, e.g., Chang, 1993. We have listed author initials as published, even when there are inconsistencies, e.g., Y. R. Chang as well as R. Y. Chang, even though those two listings represent the same person. Note also that before 1997 the journal had only one issue per year.

authors year title volume iss.#
pp

Aldana, S. G. & Liljenquist, W. 1998 Validity and reliability of a financial strain survey 9 2 11-18

Alhabeeb, M. J. 1996 Teenagers' money, discretionary spending and saving 7
123-132

Alhabeeb, M. J. 1999 Allowances and the economic socialization of children 10 2 1-9

Ayres, F. L. & Hethcox, K. B. 1994 Accuracy differences as a function of preparer status: An analysis of Money's tax test 5
117-126

Bae, M., Hanna, S. & Lindamood, S. 1993 Patterns of overspending in U.S. households 4
11-30

Bae, S. C. & Sandager, J. P. 1997 What consumers look for in financial planners 8 2 9-16

Bailey, W. C. & Turner, M. J. 1994 Significance of sources of retirement planning information for farmers 5
83-99

Bajtelsmit, V. L. & Bernasek, A. 1996 Why do women invest differently than men? 7
1-10

Bauer, J. W. & Stum, M. S. 1994 Money management needs of elderly living in the community 5
147-159

Beutler, I. F. & Yorgason, F. W. 1997 The home as a wealth preserving and accumulating asset: A general formulation and balance sheet application 8 1 65-71

Brunson, B. H., Snow, M. & Gustafson, A. W. 1998 Mid-life career change: Career military versus noncareer military financial well-being and financial satisfaction 9 1 41-52

Burns, S. A. & Widdows, R. 1990 Sensitivity of a retirement analysis framework to changes in retirement analysis parameters 1
71-91

Chang, Y. R. & Lindamood, S. 1993 Factors related to the risk of household income variability 4
47-66

Chang, R. Y. 1994 Saving behavior of U.S. households in the 1980s: Results from the 1983 and 1986 Survey of Consumer Finance 5
45-64

Chang, Y. R. & Huston, S. J. 1995 Patterns of adequate household emergency fund holdings: A comparison of households in 1983 and 1986 6
119-128

Chang, Y. R., Hanna, S. & Fan, J. X. 1997 Emergency fund levels: Is household behavior rational? 8 1 47-55

Chen, P. & Finke M. S. 1996 Negative net worth and the life cycle hypothesis 7
87-96

Christiansen, T. & DeVaney, S. A. 1998 Antecedents of trust and commitment in the financial planner-client relationship 9 2 1-10

Churaman, C. V. 1992 The cost of the support of college students as affected by their choice of public or private school and residence 3
135-156

Cooley, P. L., Hubbard, C. M. & Walz, D. T. 1999 Sustainable withdrawal rates from your retirement portfolio 10 1 39-47

Danes, S. M. 1994 Parental perceptions of children's financial socialization 5
127-146

Danes, S. M. & Rettig, K. D. 1995 Economic adjustment strategies of farm men and women experiencing economic stress 6
59-73

Danes, S. M., Huddleston-Casas, C. & Boyce, L. 1999 Financial planning curriculum for teens: Impact evaluation 10 1 25-37

Davis, E. P. & Weber, J. A. 1990 Patterns and obstacles to financial management 1
41-51

Davis, E. P. & Carr, R. A. 1992 Budgeting practices over the life cycle 3
3-16

DeVaney, S. 1993 Change in household financial ratios between 1983 and 1986: Were American households improving their financial status? 4
31-46

DeVaney, S. 1994 The usefulness of financial ratios as predictors of household insolvency: Two perspectives 5
5-24

Devaney, S. A. 1995 Retirement preparation of older and younger baby boomers 6
25-33

DeVaney, S. A., Gorham, E. E., Bechman, J. C. & Haldeman, V. A. 1996 Cash flow management and credit use: Effect of a financial information program 7
71-79

DeVaney, S. A., Sharpe, D. L., Kratzer, C. Y. & Su, Y. 1998 Retirement preparation of the nonfarm self-employed 9 1 53-59

Edwards, K. P. 1991 Planning for family asset transfers 2
55-78

Edwards, E. 1993 Development of a new scale for measuring compulsive buying behavior 4
67-84

Embrey, L. C. & Fox, J. J. 1997 Gender differences in the investment decision-making process 8 2 33-40

Ewing, B. T. & Payne, J. E. 1998 The long-run relation between the personal savings rate and consumer sentiment 9 1 89-96

Fan, X. J., Chang, Y. R. & Hanna, S. 1992 Optimal credit use with uncertain income 3
125-133

Fitzsimmons, V. S. & Wakita, S. 1993 Expectation of future financial condition: Are men and women different? 4
165-180

Fitzsimmons, V. S. & Leach L. J. 1994
Net worth change: Beginning and expanding life cycle stages. 5

65-82

Fuller, P., Zietz, E. N. & Calcote, R. 1997 The role of financial counselors in long-term health care planning 8 1 19-24

Garman, E. T., Leech, I. E. & Grable, J. E. 1996 The negative impact of employee poor personal financial behaviors on employers 7
157-168

Garman, E. T. 1997 Personal finance education for employees: Evidence on the bottom-line benefits 8 2 1-8

Garman, E. T., Kim, J., Kratzer, C. Y., Brunson, B. H. & Joo, S. 1999 Workplace financial education improves personal financial wellness 10 1 79-88

Godwin, D. D. & Koonce, J. C. 1992 Cash flow management of low-income newlyweds 3
17-42

Godwin, D. D. 1994 Antecedents and consequences of newlyweds' cash flow management 5
161-190

Godwin, D. D. 1996 Newlywed couples' debt portfolios: Are all debts created equally? 7
57-69

Godwin, D. D. 1999 Predictors of households' debt repayment difficulties 10 1 67-78

Grable, J. E. & Lytton, R. H. 1998 Investor risk tolerance: Testing the efficacy of demographics as differentiating and classifying factors 9 1 61-73

Grable, J. E. & Joo, S. 1999 Financial help-seeking behavior: Theory and implications 10 1 13-24

Hampton, V. L., Kitt, K. A., Greninger, S. A. & Bohman, T. M. 1993 The effect of education on participation in flexible spending accounts 4
95-110

Hanna, S., Fan, J. X. & Chang, Y. R. 1995 Optimal life cycle savings 6
1-15

Hanna, S. & Chen, P. 1996 Efficient portfolios for saving for college 7
115-122

Hanna, S. & Chen, P. 1997 Subjective and objective risk tolerance: Implications for optimal portfolios 8 2 17-25

Hatcher, C. B. 1997 A model of desired wealth at retirement 8 1 57-64

Hatcher, C. B. 1998 Regarding the relationship between income and wealth in retirement 9 2 37-46

Hayhoe, C. R. & Wilhelm, M. S. 1995 Discriminating between primary family financial managers and other adults in the family 6
75-82

Hayhoe, C. R. & Wilhelm. M. S. 1998 Modeling perceived economic well-being in a family setting: A gender perspective 9 1 21-34

Hira, T. K., Fanslow, A.M. & Vogelsang, R. 1992 Determinants of satisfaction with preparations for financial emergencies 3
43-62

Hira, T. K. & Mugenda, O. 1998 Predictors of financial satisfaction: Differences between retirees and non-retirees 9 2 75-83

Hogarth, J. M. 1991 Asset management and retired households: Savers, dissavers and alternators 2
97-121

Hong, G. & Swanson, P. M. 1995 Comparison of financial well-being of older women: 1977 and 1989 6
129-138

Hooks, J. A. 1998 Mutual fund investment discretion and the asset allocation problem 9 2 19-24

Huston, S. J. & Chang, Y. R. 1997 Adequate emergency fund holdings and household type 8 1 37-46

Israelsen, C. L. 1990 Family resource management research: 1930-1990 1
3-39

Israelsen, C. L. & Beutler, I. F. 1991 The value of past performance data: The case of mutual funds 2
123-129

Jayathirtha, C. & Fox, J. J. 1996 Home ownership and the decision to overspend 7
97-106

Junk, V. W., Fox, L. K., Einerson, M. J. & Taff, L. K. 1997 Preretirees' perception of retirement income 8 2 41-55

Kennickell, A. B., Starr-McCluer, M. & Sunden, A. E. 1997 Saving and financial planning: Some findings from a focus group 8 1 1-8

Kerkmann, B. C. 1998 Motivation and stages of change in financial counseling: An application of a transtheoretical model from counseling psychology 9 1 13-20

Kuhlemeyer, G. A. & Allen, G. H. 1999 Consumer satisfaction with life insurance: A benchmarking survey 10 2 35-47

Langrehr. V. B. 1991 Financial counseling and planning: Similarities and distinctions 2
155-167

Lawrence, F. C., Thomasson, R., Wozniak, P. & Prawitz Aimee. 1993 Factors relating to spousal financial arguments 4
85-93

Leach, L. J. & Fitzsimmons, V. S. 1994 Net worth change: Beginning and expanding life cycle stages 5
65-82

Leach, L. J., Hayhoe, C. R. & Turner, P. R. 1999 Factors affecting perceived economic well-being of college students: A gender perspective 10 2 11-21

Lee, H. & Hanna, S. 1995 Investment portfolios and human wealth. 6
147-152

Lee, J. & Hogarth, J. M. 1999 Returns to information search: Consumer mortgage shopping decisions 10 1 49-66

Lee, J. & Hogarth, J. M. 1999 Returns to information search: Consumer credit card shopping decisions 10 2 23-34

Lee, S., Hanna, S. & Siregar, M. 1997 Children's college as a saving goal 8 1 33-36

Lewis, J. K. 1996 Savings behavior of low-income families. 7
81-86

Lewis, J. K. 1998 Home service distribution system: A method of marketing life insurance to the poor 9 1 35-39

Li, J., Montalto, C. P. & Geistfeld, L. V. 1996 Determinants of financial adequacy for retirement 7
39-48

Lown, J. M. & Cook, J. 1990 Attitudes toward seeking financial counseling: Instrument development 1
93-112

Lown, J. M. & Ju, I.-S. 1992 A model of credit use and financial satisfaction 3
105-123

Lytton, R. H., Garman, E. T. & Porter, N. 1991 How to use financial ratios when advising clients 2
3-23

Malroutu, Y. L. & Xiao J. J. 1995 Perceived adequacy of retirement income 6
17-24

Mason, J. 1993 Financial counselors: The need has never been greater 4
5-10

McGregor, S. L. T. & Berry, R. E. 1997 Mandatory financial counseling for bankrupts in Canada 8 1 9-17

Montalto, C. P. 1994 Married women's labor force participation as divorce insurance 5
191-205

Montalto, C. P. & Sung, J. 1996 Multiple Imputation in the 1992 Survey of Consumer Finances 7
133-146

Montalto, C. P. & Yuh, Y. 1998 Estimating nonlinear models with multiply imputed data 9 1 97-101

Morgan, J. N. 1995 Justifying the use of economic insights in ordinary decisions 6
45-52

Muske, G. & Winter, M. 1999 Cash flow management: A framework of daily family activities 10 1 1-12

Newmark, C. M. & Walden, M. 1995 Should you retire at age 62 or 65? 6
35-44

Oh, D. 1995 Households with rent burdens: impact on other spending and factors related to the probability of having a rent burden 6
139-146

Parrotta, J. L. & Johnson, P. J. 1998 The impact of financial attitudes and knowledge on financial management and satisfaction of recently married individuals 9 2 59-74

Phillips, M. E. , Nielson, N. L. & Brown, C. E. 1992 An evaluation of expert systems for personal financial planning 3
79-103

Pope, R. A. & Howe, T. S. 1991 Characteristics and needs of students interested in financial planning 2
79-96

Porter, N. M. & Garman, E. T. 1993 Testing a conceptual model of financial well-being. 4
135-164

Prather, C. G. 1990 The ratio technique applied to personal finance statements: Development of household norms 1
53-69

Prochaska-Cue, K. 1993 An exploratory study for a model of personal financial management style 4
111-134

Rettig, K. D. & Schulz, C. L. 1991 Cognitive style preferences and financial management decision styles 2
25-54

Scannell, E. 1990 Dairy farm families' financial management 1
133-146

Seiling, S. B. & Jackson, G. 1990 Children of divorce: Financial counseling issues for custodial parents 1
113-132

Shelton, G. G. & Hill, O. L. 1995 First-time homebuyers programs as an impetus for change in budget behavior 6
83-92

Spitzer, J. J. & Singh, S. 1999 The rule of 72 10 1 89-91

Sprudzs, U. 1998 Diversification or concentration? An empirical analysis of household portfolio allocation practices 9 1 75-88

Stum, M. S., Bauer, J. W. & Delaney, P. J. 1993 Economic well-being of disabled elderly living in the community 4
199-216

Sullivan, M. J. 1995 Valuing a constant-growth annuity: an applied approach using a financial calculator 6
115-118

Sung, J. & Hanna, S. 1996 Factors related to risk tolerance 7
11-20

Sung, J. & Hanna, S. 1998 The spouse effect on participation and investment decisions for retirement funds 9 2 47-58

Swagler, R., Burton, J. & Lewis J. K. 1995 The operations, appeals and costs of the alternative financial sector: implications for financial counselors 6
93-98

Thompson, J. H., Sharpe, D. L. & Hamilton, J. A. 1998 Retirement programs: Reaching midlife professional women 9 2 25-36

Todd, K. J. & DeVaney, S. A. 1997 Financial planning for retirement by parents of college students 8 1 25-32

Vora, P. 1996 Breakeven periods for individual retirement accounts with partial withdrawals 7
49-56

Walden, M. L. 1992 The relative benefits of making a higher down payment or paying points for a lower interest rate 3
63-77

Wang, H. & Hanna, S. 1997 Does risk tolerance decrease with age? 8 2 27-31

Weagley, R. O. & Gannon, C. F. 1991 Investment portfolio allocation 2
131-154

Wilhelm, M. S., Varcoe, K. & Fridrich, A. H. 1993 Financial satisfaction and assessment of financial progress: Importance of money attitudes 4
181-198

Williams, F. L., Haldeman, V. & Cramer, S. 1996 Effect of financial concerns upon workplace behavior and productivity 7
147-155

Williams, F. L. & Zhou, H. 1997 Income and expenditures in two phases of retirement 8 2 75-82

Williams, F. L. & Kao, E. Y. 1997 Value of home equity used in reverse mortgages as a potential source of income for elderly Americans 8 2 57-64

Williams, F. L. 1999 Costs and benefits of loan consolidation 10 2 61-72

Woerheide, W. & Fortner R. 1994 The pension penalty associated with changing employers 5
101-116

Woerheide, W. 1995 The impact of salary growth, inflation, employee age, and career length on the relative desirability of pension fund type 6
53-58

Woerheide, W., Marquardt, J. & Fortner, R. 1996 A test of the HUD guideline for borrower selection of a 30-year, fixed-rate mortgage 7
107-114

Xiao, J. J. & Noring, F. E. 1994 Perceived saving motives and hierarchical financial needs 5
25-44

Xiao, J. J. 1995 Patterns of household financial asset ownership 6
99-106

Xiao, J. J. 1996 Effects of family income and life cycle stages on financial asset ownership. 7
21-30

Xiao, J. J. 1997 Saving motives and 401(k) contributions 8 2 65-73

Xiao, J. J., Malroutu, Y. L. & Yuh, Y. 1999 Sources of income inequality among the elderly 10 2 49-59

Yuh, Y. & DeVaney, S. A. 1996 Determinants of couples' defined contribution retirement funds 7
31-38

Yuh, Y., Montalto, C. P. & Hanna, S. 1998 Are Americans prepared for retirement? 9 1 1-12

Zhong, L. X. & Xiao, J.J. 1995 Determinants of family bond and stock holdings 6
107-114

authors	year	title	volume	iss.#	pp
Aldana, S. G. & Liljenquist, W.	1998	Validity and reliability of a financial strain survey	9	2	11-18
Alhabeeb, M. J.	1996	Teenagers' money, discretionary spending and saving	7		123-132
Alhabeeb, M. J.	1999	Allowances and the economic socialization of children	10	2	1-9
Ayres, F. L. & Hethcox, K. B.	1994	Accuracy differences as a function of preparer status: An analysis of Money's tax test	5		117-126
Bae, M., Hanna, S. & Lindamood, S.	1993	Patterns of overspending in U.S. households	4		11-30
Bae, S. C. & Sandager, J. P.	1997	What consumers look for in financial planners	8	2	9-16
Bailey, W. C. & Turner, M. J.	1994	Significance of sources of retirement planning information for farmers	5		83-99
Bajtelsmit, V. L. & Bernasek, A.	1996	Why do women invest differently than men?	7		1-10
Bauer, J. W. & Stum, M. S.	1994	Money management needs of elderly living in the community	5		147-159
Beutler, I. F. & Yorgason, F. W.	1997	The home as a wealth preserving and accumulating asset: A general formulation and balance sheet application	8	1	65-71
Brunson, B. H., Snow, M. & Gustafson, A. W.	1998	Mid-life career change: Career military versus noncareer military financial well-being and financial satisfaction	9	1	41-52
Burns, S. A. & Widdows, R.	1990	Sensitivity of a retirement analysis framework to changes in retirement analysis parameters	1		71-91
Chang, Y. R. & Lindamood, S.	1993	Factors related to the risk of household income variability	4		47-66
Chang, R. Y.	1994	Saving behavior of U.S. households in the 1980s: Results from the 1983 and 1986 Survey of Consumer Finance	5		45-64
Chang, Y. R. & Huston, S. J.	1995	Patterns of adequate household emergency fund holdings: A comparison of households in 1983 and 1986	6		119-128
Chang, Y. R., Hanna, S. & Fan, J. X.	1997	Emergency fund levels: Is household behavior rational?	8	1	47-55
Chen, P. & Finke M. S.	1996	Negative net worth and the life cycle hypothesis	7		87-96
Christiansen, T. & DeVaney, S. A.	1998	Antecedents of trust and commitment in the financial planner-client relationship	9	2	1-10
Churaman, C. V.	1992	The cost of the support of college students as affected by their choice of public or private school and residence	3		135-156
Cooley, P. L., Hubbard, C. M. & Walz, D. T.	1999	Sustainable withdrawal rates from your retirement portfolio	10	1	39-47
Danes, S. M.	1994	Parental perceptions of children's financial socialization	5		127-146
Danes, S. M. & Rettig, K. D.	1995	Economic adjustment strategies of farm men and women experiencing economic stress	6		59-73
Danes, S. M., Huddleston-Casas, C. & Boyce, L.	1999	Financial planning curriculum for teens: Impact evaluation	10	1	25-37
Davis, E. P. & Weber, J. A.	1990	Patterns and obstacles to financial management	1		41-51
Davis, E. P. & Carr, R. A.	1992	Budgeting practices over the life cycle	3		3-16
DeVaney, S.	1993	Change in household financial ratios between 1983 and 1986: Were American households improving their financial status?	4		31-46
DeVaney, S.	1994	The usefulness of financial ratios as predictors of household insolvency: Two perspectives	5		5-24
Devaney, S. A.	1995	Retirement preparation of older and younger baby boomers	6		25-33
DeVaney, S. A., Gorham, E. E., Bechman, J. C. & Haldeman, V. A.	1996	Cash flow management and credit use: Effect of a financial information program	7		71-79
DeVaney, S. A., Sharpe, D. L., Kratzer, C. Y. & Su, Y.	1998	Retirement preparation of the nonfarm self-employed	9	1	53-59
Edwards, K. P.	1991	Planning for family asset transfers	2		55-78
Edwards, E.	1993	Development of a new scale for measuring compulsive buying behavior	4		67-84
Embrey, L. C. & Fox, J. J.	1997	Gender differences in the investment decision-making process	8	2	33-40
Ewing, B. T. & Payne, J. E.	1998	The long-run relation between the personal savings rate and consumer sentiment	9	1	89-96
Fan, X. J., Chang, Y. R. & Hanna, S.	1992	Optimal credit use with uncertain income	3		125-133
Fitzsimmons, V. S. & Wakita, S.	1993	Expectation of future financial condition: Are men and women different?	4		165-180
Fitzsimmons, V. S. & Leach L. J.	1994	Net worth change: Beginning and expanding life cycle stages.	5		65-82
Fuller, P., Zietz, E. N. & Calcote, R.	1997	The role of financial counselors in long-term health care planning	8	1	19-24
Garman, E. T., Leech, I. E. & Grable, J. E.	1996	The negative impact of employee poor personal financial behaviors on employers	7		157-168
Garman, E. T.	1997	Personal finance education for employees: Evidence on the bottom-line benefits	8	2	1-8
Garman, E. T., Kim, J., Kratzer, C. Y., Brunson, B. H. & Joo, S.	1999	Workplace financial education improves personal financial wellness	10	1	79-88
Godwin, D. D. & Koonce, J. C.	1992	Cash flow management of low-income newlyweds	3		17-42
Godwin, D. D.	1994	Antecedents and consequences of newlyweds' cash flow management	5		161-190
Godwin, D. D.	1996	Newlywed couples' debt portfolios: Are all debts created equally?	7		57-69
Godwin, D. D.	1999	Predictors of households' debt repayment difficulties	10	1	67-78
Grable, J. E. & Lytton, R. H.	1998	Investor risk tolerance: Testing the efficacy of demographics as differentiating and classifying factors	9	1	61-73
Grable, J. E. & Joo, S.	1999	Financial help-seeking behavior: Theory and implications	10	1	13-24
Hampton, V. L., Kitt, K. A., Greninger, S. A. & Bohman, T. M.	1993	The effect of education on participation in flexible spending accounts	4		95-110
Hanna, S., Fan, J. X. & Chang, Y. R.	1995	Optimal life cycle savings	6		1-15
Hanna, S. & Chen, P.	1996	Efficient portfolios for saving for college	7		115-122
Hanna, S. & Chen, P.	1997	Subjective and objective risk tolerance: Implications for optimal portfolios	8	2	17-25
Hatcher, C. B.	1997	A model of desired wealth at retirement	8	1	57-64
Hatcher, C. B.	1998	Regarding the relationship between income and wealth in retirement	9	2	37-46
Hayhoe, C. R. & Wilhelm, M. S.	1995	Discriminating between primary family financial managers and other adults in the family	6		75-82
Hayhoe, C. R. & Wilhelm. M. S.	1998	Modeling perceived economic well-being in a family setting: A gender perspective	9	1	21-34
Hira, T. K., Fanslow, A.M. & Vogelsang, R.	1992	Determinants of satisfaction with preparations for financial emergencies	3		43-62
Hira, T. K. & Mugenda, O.	1998	Predictors of financial satisfaction: Differences between retirees and non-retirees	9	2	75-83
Hogarth, J. M.	1991	Asset management and retired households: Savers, dissavers and alternators	2		97-121
Hong, G. & Swanson, P. M.	1995	Comparison of financial well-being of older women: 1977 and 1989	6		129-138
Hooks, J. A.	1998	Mutual fund investment discretion and the asset allocation problem	9	2	19-24
Huston, S. J. & Chang, Y. R.	1997	Adequate emergency fund holdings and household type	8	1	37-46
Israelsen, C. L.	1990	Family resource management research: 1930-1990	1		3-39
Israelsen, C. L. & Beutler, I. F.	1991	The value of past performance data: The case of mutual funds	2		123-129
Jayathirtha, C. & Fox, J. J.	1996	Home ownership and the decision to overspend	7		97-106
Junk, V. W., Fox, L. K., Einerson, M. J. & Taff, L. K.	1997	Preretirees' perception of retirement income	8	2	41-55
Kennickell, A. B., Starr-McCluer, M. & Sunden, A. E.	1997	Saving and financial planning: Some findings from a focus group	8	1	1-8
Kerkmann, B. C.	1998	Motivation and stages of change in financial counseling: An application of a transtheoretical model from counseling psychology	9	1	13-20
Kuhlemeyer, G. A. & Allen, G. H.	1999	Consumer satisfaction with life insurance: A benchmarking survey	10	2	35-47
Langrehr. V. B.	1991	Financial counseling and planning: Similarities and distinctions	2		155-167
Lawrence, F. C., Thomasson, R., Wozniak, P. & Prawitz Aimee.	1993	Factors relating to spousal financial arguments	4		85-93
Leach, L. J. & Fitzsimmons, V. S.	1994	Net worth change: Beginning and expanding life cycle stages	5		65-82
Leach, L. J., Hayhoe, C. R. & Turner, P. R.	1999	Factors affecting perceived economic well-being of college students: A gender perspective	10	2	11-21
Lee, H. & Hanna, S.	1995	Investment portfolios and human wealth.	6		147-152
Lee, J. & Hogarth, J. M.	1999	Returns to information search: Consumer mortgage shopping decisions	10	1	49-66
Lee, J. & Hogarth, J. M.	1999	Returns to information search: Consumer credit card shopping decisions	10	2	23-34
Lee, S., Hanna, S. & Siregar, M.	1997	Children's college as a saving goal	8	1	33-36
Lewis, J. K.	1996	Savings behavior of low-income families.	7		81-86
Lewis, J. K.	1998	Home service distribution system: A method of marketing life insurance to the poor	9	1	35-39
Li, J., Montalto, C. P. & Geistfeld, L. V.	1996	Determinants of financial adequacy for retirement	7		39-48
Lown, J. M. & Cook, J.	1990	Attitudes toward seeking financial counseling: Instrument development	1		93-112
Lown, J. M. & Ju, I.-S.	1992	A model of credit use and financial satisfaction	3		105-123
Lytton, R. H., Garman, E. T. & Porter, N.	1991	How to use financial ratios when advising clients	2		3-23
Malroutu, Y. L. & Xiao J. J.	1995	Perceived adequacy of retirement income	6		17-24
Mason, J.	1993	Financial counselors: The need has never been greater	4		5-10
McGregor, S. L. T. & Berry, R. E.	1997	Mandatory financial counseling for bankrupts in Canada	8	1	9-17
Montalto, C. P.	1994	Married women's labor force participation as divorce insurance	5		191-205
Montalto, C. P. & Sung, J.	1996	Multiple Imputation in the 1992 Survey of Consumer Finances	7		133-146
Montalto, C. P. & Yuh, Y.	1998	Estimating nonlinear models with multiply imputed data	9	1	97-101
Morgan, J. N.	1995	Justifying the use of economic insights in ordinary decisions	6		45-52
Muske, G. & Winter, M.	1999	Cash flow management: A framework of daily family activities	10	1	1-12
Newmark, C. M. & Walden, M.	1995	Should you retire at age 62 or 65?	6		35-44
Oh, D.	1995	Households with rent burdens: impact on other spending and factors related to the probability of having a rent burden	6		139-146
Parrotta, J. L. & Johnson, P. J.	1998	The impact of financial attitudes and knowledge on financial management and satisfaction of recently married individuals	9	2	59-74
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