Sherman Hanna is a professor in the College of Human Ecology at The Ohio State University. He received a Ph.D. in Consumer Economics from Cornell University and a B.S. in Economics from the Massachusetts Institute of Technology. He is the editor of Financial Counseling and Planning.
Sandra J. Huston is a Ph.D. student at the University of Missouri-Columbia in the Department of Consumer and Family Economics. She received a Masters of Science degree from the University of Guelph, Department of Consumer Studies. She was previously a Financial Analyst for the Provincial Government of Manitoba, Department of Family Services, Income Security Division.
Jing J. Xiao is an Associate Professor at the University of Rhode Island. He received a Ph.D. in Consumer Economics at Oregon State University in 1992. He was the winner of the 1992 Dissertation Award of the American Council on Consumer Interests.