Jing Jian Xiao, Ph.D., Professor

Department of Human Development and Family Studies

College of Human Science and Services

University of Rhode Island

Transition Center, 2 Lower College Road, Kingston, RI 02881, USA

Email: xiao@uri.edu; Phone: 401.874.2547; Fax: 401.874.4020

EDUCATION

 

1991     Ph. D. in Consumer Economics, minor in Business Administration, Oregon State University

1986     M. S. in Economics, Zhongnan University of Economics and Law, China                                       

1982     B. S. in Economics, Zhongnan University of Economics and Law, China

 

EMPLOYMENT AND EXPERIENCE

 

2007.7-            Professor, University of Rhode Island. Teaches courses and conduct research in consumer economics and personal finance.

2005-07.6        Take Charge America Endowed Chair Professor and Director, Take Charge America Institute for Consumer Financial Education and Research, University of Arizona.

1991-04           Assistant professor (91-96), (tenured) associate professor (96-01), and professor (01-04), University of Rhode Island.

2011                Visiting professor, Renmin University of China, Beijing, China.

2009                Visiting professor, Yamaguchi University, Japan.

2008                Visiting professor, Renmin University of China, Beijing, China.

2004                Guest professor, Southwestern University of Finance and Economics, Chengdu, China.

2003                Guest professor, Zhongnan University of Economics and Law, Wuhan, China.

2003                Guest professor, Hubei College of Economics, Wuhan, China.

1997 fall          Visiting scholar, Department of Consumer and Textile Science, The Ohio State University.

1987-91           Research associate, Department of Family Resource Management, Oregon State University.

1990 summer   Intern, National Opinion Research Center, University of Chicago.

1982-87           Instructor (1982-86) and lecturer (1986-87), Department of Commerce and Trade, Zhongnan University of Economics and Law.

 

AWARDS AND HONORS:

 

2011    Best paper award, Journal of Financial Counseling and Planning

2010    Fellow, Networks Financial Institute, Indiana State University

2009    Honoring a Mentor Award, American Council on Consumer Interests

2008    Exceptional reviewer, Journal of Consumer Affairs

2007    Program Excellence through Research Award, National Extension Association of Family and Consumer Science

2006    Program Excellence through Research Regional Award, National Extension Association of Family and Consumer Science

2003    Program Excellence through Research Award, National Extension Association of Family and Consumer Science

2001    Applied Journal Paper Award, Association for Financial Counseling and Planning Education

2001   Best Financial Planning Paper Award, Certified Financial Planner Standard Board and American Council on Consumer Interests.

2000   Best Financial Planning Paper Award, Certified Financial Planner Standard Board and American Council on Consumer Interests.

1999   Fellow, Teaching with Technology Fellows Institute

1997   Fellow, Employee Benefits Research Institute         

1997   Best Paper Award, National Conference on Workplace Education

1995   Book Award, Hubei Social Science Foundation                    

1992   Dissertation Award, American Council on Consumer Interests

1991   The Honor Society of Phi Kappa Phi                   

1989   The Honor Society of Omicron Nu                        

 

PUBLICATIONS

(items with  # indicate writings in Chinese)

 

Journal Papers:

 

Cheng, D., & Xiao, J. J. (1985).  A new important trend in current international marketing.  Journal of Zhongnan University of Finance and Economics. 5: 84-87.#

Xiao, J. J. (1985).  The competitive nature of the total product.  Journal of Graduate School of Zhongnan University of Finance and Economics.  September.#

Xiao, J. J. (1986). Is a consumer movement arising in China?  Consumer. 6: 14-15.#

Xiao, J. J. (1987).  Building business morality: Some suggestions. Research in Commercial Economy. 1987 supplement. pp.19-22.#

Xiao, J. J. (1987).  The consumer movement in China: Causes and future.  Consumption Economics. 4: 41-45.#

Xiao, J. J.  (1987).  Consumer interests: Concepts and protection approaches.  Consumption Economics. 1: 49-52, 58.#

Xiao, J. J. (1987).  Internal relationships between various product strategies.  Financial and Trade Economics. 1987 supplement.#

Olson, G. I., & Xiao, J. J. (1991). Characteristics of hungry people's search for food help information.  Journal of Home Economics.  Fall, pp. 11-16.

Cohen, S., & Xiao, J. J.  (1992).  Consumer socialization: Children and money.  Childhood Education. 69(1): 43-44.

Xiao, J. J. (1993)  Economic analysis of family time use (I).  Consumption Economics.  2:#

Xiao, J. J. (1993) Economic analysis of family time use (II).  Consumption Economics.  3:#

Xiao, J. J., & Olson, G. I. (1993).  Mental accounting and saving behavior.  Home Economics Research Journal.  22(1): 92-109.

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

Xiao, J. J., Malroutu, L., & Olson, G. I. (1995).  Factors associated with free food recipient's information search.  Family and Consumer Science Research Journal, 23(4): 409-429.

Xiao, J. J., Noring, F. E., & Anderson, J. G.  (1995).  Credit card attitudes of college students.  Journal of Consumer Studies and Home Economics, 19: 155-174.

Widdows, R., Hong, G., Xiao, J. J., Higa, M., Tso, H., & Malroutu, L. (1995).  Consumer issues and consumer protection in Asia.  Advancing the Consumer Interest.  7(1): 12-17.

Xiao, J. J. (1995).  Patterns of household asset ownership.  Financial Counseling and Planning.  6: 99-106.

Malroutu, L., & Xiao, J. J. (1995).  Perceived retirement income adequacy.  Financial Counseling and Planning. 6: 17-23.

Zhong, L. X., & Xiao, J. J. (1995).  Determinants of family bond and stock holdings.  Financial Counseling and Planning.  6: 107-114.

Olson, G. I., & Xiao, J. J.  (1996).  Effects of relative advantage on time use in farm families.  Journal of Family and Economic Issues, 17(3/4), 351-364.

Xiao, J. J. (1996). Effects of family income and life cycle stages on household financial asset ownership.  Financial Counseling and Planning, 7, 21-30.

Xiao, J. J., & Anderson, J. G.  (1997). Hierarchical financial needs reflected by household financial asset shares. Journal of Family and Economic Issues, 18(4), 333-356.

Xiao, J. J., Noring, F. E., Anderson, J. G. (1997).  College students and credit cards: Do attitudes affect behavior? Journal of Consumer Education, 15, 25-35.

Xiao, J. J., Malroutu, L., & Olson, G. I.  (1997). Family cheque accounts and banking deregulation in the US. Journal of Consumer Studies and Home Economics, 21, 25-39.

Xiao, J. J. (1997). Saving motives and 401(k) contributions. Financial Counseling and Planning, 8(2), 65-74.

Xiao, J. J. (1997). Consumer education in China: Challenges and opportunities. Journal of Consumer Economics, 5, 17-20. #

Xiao, J. J. (1998). Opportunities for consumer education in China. Journal of Consumer Education, 16, 19-25.

Fan, J. X., & Xiao, J. J. (1998). Decision making styles of young Chinese adults. Journal of Consumer Affairs, 32(2), 275-293.

Xu, Y., & Xiao, J. J. (1998). What pension reform do urban workers demand? Journal of Consumer Economics. #

Miller, C., & Xiao, J. J. (1999). Effects of birth timing and spacing on mother's labor force participation. Atlantic Economic Journal, 27(4), 410-421.

Xiao, J. J., & Song, S. (1999). Worker responses towards Chinese pension system reform. International Journal of Economic Development [On-line serial], 1(4), Available: http://spaef.com/IJED_PUB/v1n4_xiao.html

Li, H., & Xiao, J. J. (1999) Chinese consumer types. Journal of Consumer Studies and Home Economics, 23(3), 171-180.

Xiao, J. J., Malroutu, Y. L. & Yuh, Y. (1999). Sources of income inequality among the elderly. Financial Counseling and Planning, 10(2), 49-59.

O’Neill, B., Xiao, J. J., Bristow, B., Brennan, P. & Kerbel, C. (2000). MONEY 2000Ô: Differences in perceptions among program participants. Journal of Consumer Education, 18, 35-42.

O’Neill, B., Xiao, J. J., Bristow, B., Brennan, P. & Kerbel, C. (2000). Personal finance education: Preferred delivery methods and program topics. The Forum for Family and Consumer Issues 5(1), 1-10.

O’Neill, B., Xiao, J.J., Bristow, B., Brennan, P. & Kerbel, C. (2000). MONEY 2000Ô: Feedback from and impact on participants. Journal of Extension, 38(6). Available at http://www.joe.org

O’Neill, B., Xiao, J. J., Bristow, B., Brennan, P. & Kerbel, C. (2000). Successful financial goal attainment: Perceived resources and obstacles. Financial Counseling and Planning, 11(1), 1-12.

Xiao, J. J., Alhabeeb, M. J., Hong, G.-S., & Haynes, G. W. (2001). Attitudes toward risks and risk-taking behavior of business owning families. Journal of Consumer Affairs, 35, 307-325.

Xiao, J. J., & Fan, J. X. (2002). A comparison of saving motives of urban Chinese and American workers. Family and Consumer Science Research Journal, 30(4), 463-495.

Xiao, J. J. (2002). TTM: A model to change behaviors and its applications in consumer behavior. Journal of Consumer Economics, 18(4), 52-54. #

O’Neill, B., & Xiao, J. J. (2003). Financial fitness assessment: Differences by age, gender, and state of residence. Journal of Consumer Education, 21, 38-49.

Xiao, J. J., O’Neill, B., Prochaska, J., Kerbel, C, Brennan, P., & Bristow, B. (2004). A consumer education program based on the Transtheoretical Model of Change. International Journal of Consumer Studies, 28(1), 55-65.

Xiao, J. J., Newman, B. M., Prochaska, J. M., Leon, B., & Bassett, R. (2004). Voice of Consumers in credit card debts: A qualitative approach. Journal of Personal Finance, 3(2), 56-74.

Xiao, J. J., Newman, B. M., Prochaska, J. M., Leon, B., Bassett, R., & Johnson, J. L. (2004). Applying the transtheoretical model of change to debt reducing behavior. Financial Counseling and Planning, 15(2), 89-100.

O'Neill, B., & Xiao, J.J. (2005). Consumer practices to reduce identity theft risk: An exploratory study. Journal of Family and Consumer Sciences, 97(1), 33-38.

Xiao, J. J. (2005). Behavioral economics and consumer behavior. Journal of Consumer Economics, 21(1), 47-50. #

O’Neill, B., Xiao, J. J., Sorhaindo, B., & Garman, E. T. (2005). Financial distressed consumers: Their financial practices, financial well-being, and health. Financial Counseling and Planning, 16(1), 73-87. 

Xiao, J. J., Sorhaindo, B., & Garman, E. T. (2006). Financial behavior of consumers in credit counseling. International Journal of Consumer Studies. 30(2), 108-121.

O’Neill, B., Xiao, J. J. (2006). Financial fitness quiz findings: Strengths, weaknesses, and disconnects. Journal of Extension, 44(1). Available at http://www.joe.org

Xu, Y., & Xiao, J. J. (2006). Advances of consumer economics in the U. S. and its inspirations for Chinese scholars. Academic Research, (7), 50-56. #

Fan, J. X., & Xiao, J. J. (2006). Cross-cultural differences in risk tolerance: A comparison between Americans and Chinese. Journal of Personal Finance, 5(3), 54-75.

Schuchardt, J., Bagwell, D. C., Bailey, W. C., DeVaney, S. A., Grable, J. E., Leech, I. E., Lown, J. M., Sharpe, D. L., Xiao, J. J. (2007). Commentary: Personal finance, an interdisciplinary profession. Financial Counseling and Planning, 18(1), 1-9.

Thums, S. L., Newman, B. M., & Xiao, J. J. (2008). Credit card debt reduction and development stages of the lifespan. Journal of Personal Finance, 6(2-3), 86-107.

Xiao, J. J., & Wu, J. (2008). Completing debt management program in credit counseling: An application of the theory of planned behavior. Financial Counseling and Planning, 19(2), 29-45.

Wang, J., & Xiao, J. J. (2009). Buying behavior, social support, and credit card indebtedness of college students. International Journal of Consumer Studies, 33, 2-10.

Xiao, J. J., Tang, C., & Shim, S. (2009). Acting for happiness: Financial behavior and life satisfaction of college students. Social Indicator Research, 92, 53-68.

Guo, L., Xiao, J. J., & Tang, C. (2009). Understanding the psychological process underlying customer satisfaction and retention in a relational service. Journal of Business Research, 62, 1152-1159.

Shim, S., Xiao, J. J., Barber, B., & Lyons, A. (2009). Pathway to life success: A conceptual model of financial well-being for young adults. Journal of Applied Developmental Psychology, 30, 708-723.

Schuchardt, J., Hanna, S. D., Hira, T. K., Lyons, A. C., Palmer, L., & Xiao, J. J. (2009). Financial literacy and education priorities. Journal of Financial Counseling and Planning, 20(1), 84-94.

Lai, C., & Xiao, J. J. (2010). Consumer biases and competences in company stock holding. Journal of Consumer Affair, 44(1), 179-212.

Shim, S., Barber, B., Card, N., Xiao, J. J., & Serido, J. (2010). Financial socialization of first-year college students: The roles of parents, work, and education. Journal of Youth and Adolescence. 39, 1457–1470.

Cude, B, Grable, J. E., Haynes, G., Kirsch, L., Lyons, A. C., Mayer, R., & Xiao, J. J. (2010). The consumer interest in 2010 and beyond: Defining an agenda for the future. Journal of Consumer Education, 27, 102- .

Xiao, J. J., Ford, M. E., & Kim, J. (2011). Consumer financial behavior: An interdisciplinary review of selected theories and research. Family and Consumer Science Research Journal, 39(4), 399-414.

Dew, J., & Xiao, J. J. (2011). The financial management behavior scale: Development and validation. Journal of Financial Counseling and Planning, 22(1), 43-59.

Xiao, J. J., & Li, H. (2011). Sustainable consumption and life satisfaction. Social Indicators Research, 104(2), 323-329.

Xiao, J. J., Tang, C., Serido, J., & Shim, S. (2011). Antecedents and consequences of risky credit behavior among college students: Application and extension of the Theory of Planned Behavior. Journal of Public Policy & Marketing, 30(2), 239-245.

Sun, F., & Xiao, J. J. (forthcoming). Perceived social policy fairness and subjective well-being. Social Indicators Research.

 

Books and Book Chapters or sections:

 

Xiao, J. J. (1986). Business forecasting: Outline, references, and exercises. Wuhan: Zhongnan University of Finance and Economics.# 

Wuan, H. F., & Xiao, J. J. (1987). Business forecasting. Peking: Agricultural Reading Press.#

Li, C. M., Xiao, J. J., Yan, X. J., Cheng, Q. Z., Hu, Y. Y., & Zhong, P. R. (1988). Introduction to marketing. Xi'an: Shanxi People's Press.#

Cheng, D. Y., Xiao, J. J., & Tu, Y. S. (1990). Macro Marketing. Peking: Commerce Press.#

Xiao, J. J. (1993).  Modern family economics.  Shanghai: Shanghai People's Press.#

Xiao, J. J. (1993).  China's consumer movement.  In E. Thomas Garman  Consumer Economic Issues in America.  (p. 137).  Houston, TX: Dame Publications.

Xiao, J. J. (1993).  Information search in the buying process.  In E. Thomas Garman  Consumer Economic Issues in America.  (pp. 286-287).  Houston, TX: Dame Publications.

Xiao, J. J. (1993).  Externalities and air pollution.  In E. Thomas Garman  Consumer Economic Issues in America.  (pp. 155-156).  Houston, TX: Dame Publications.

Xiao, J. J. (1993).  Understanding consumption behavior: The life cycle and permanent income hypotheses.  In E. Thomas Garman  Consumer Economic Issues in America.  (pp. 545-547).  Houston, TX: Dame Publications.

Xiao, J. J. (1995).  Depository institutions regulation.  In K. Meier and E. T. Garman (eds.).  Regulation and consumer protection.  pp.315-341.

Xiao, J. J. (1997). Consumer movement in China.  In S. Brobeck, R. Mayer, & R. Herrmann (eds.).  Encyclopedia of the consumer movement.  (pp104-109). Santa Barbara, CA: ABC-CLIO.

Garman, E. T., & Xiao, J. J. (editors) (1997). Mathematics of personal finance: Using calculators and computers.  Houston, TX: Dame. 

Xiao, J. J. (1997).  How to use financial calculator?  In E. T. Garman and R. Forgue Personal Finance . (5th ed.). (pp. A21-29). Boston: Houghton Mifflin.

Xiao, J. J., & Garman, E. T. (1997). Stock math. in E. T. Garman & J. J. Xiao (eds.). Mathematics of personal finance.  (pp257-272). Huston: Dame.

Huggins, K., Garman, E. T., & Xiao, J. J. (1997). Bond math. in E. T. Garman & J. J. Xiao (eds.). Mathematics of personal finance.  (pp273-288). Huston: Dame.

Anderson, J. G., Xiao, J. J., & Garman, E. T. (1997). Math of Retirement Planning. in E. T. Garman & J. J. Xiao (eds.). Mathematics of personal finance.  (pp265-284). Huston: Dame.

Gibbs, R. W., Garman, E. T., & Xiao, J. J. (1997). Life insurance math. in E. T. Garman & J. J. Xiao (eds.). Mathematics of personal finance.  (pp243-256). Huston: Dame.

Fan, J. X., Xiao, J. J., Xu, Y. (1998). Students attitudes toward free markets: China and the United States compared. In J. Zhang & X. Li (eds.). Social transition in China. (pp189-212). Lanham, MD: University press of America.

Garman, E. T., Xiao, J. J., & Brunson, B. H. (2000). (eds.). Mathematics of personal financial planning. Cincinnati, OH: Thomas Learning.

Xiao, J. J. & Garman, E. T. (2000). Stock mathematics. in E. T. Garman, J. J. Xiao, and B. H. Brunson (eds.). Mathematics of personal financial planning (pp283-298). Cincinnati, OH: Thomas Learning.

Huggins, K., Griffin, R., Garman, E. T., Xiao, J. J. (2000). The mathematics of bonds. in E. T. Garman, J. J. Xiao, and B. H. Brunson (eds.). Mathematics of personal financial planning (pp299-313). Cincinnati, OH: Thomas Learning.

Anderson, J. G., Xiao, J. J., & Garman E. T. (2000). Retirement planning mathematics. in E. T. Garman, J. J. Xiao, and B. H. Brunson (eds.). Mathematics of personal financial planning (pp391-409). Cincinnati, OH: Thomas Learning.

Xiao, J. J., & Richardson, L. (2002). Consumer protection at the state level. In Regulation and consumer protection (3rd ed.). Cincinnati: Thompson Learning.

Garman, T. E., Xiao, J. J., Brounson, B. (editors). (2003). Mathematics of personal financial planning: Using computer and calculator (3rd ed.). Cincinnati: Thompson Learning.

Xiao, J. J. (2004). Consumer protection in Taiwan. In S. Lu & X. Tian (eds.). Chinese-American scholars see Taiwan: Observations and analyses of Taiwan society of the 21st century (pp75-91). Taipei, Taiwan: Showwe Information. #

Mundorf, N., Dholakia, N., Dholakia, R. R., & Xiao, J. J. (2005). Automobile traffic impact of distance learning. In C. Howard, J. V. Boettcher, L. Justice, K. Schenk, P. Rogers, & G. A. Berg (eds.). Encyclopedia of distance learning (pp114-119). Hershey, PA: Idea Group Reference.

Xiao, J. J. (2005). Consumption Patterns and Statistics of Living Conditions. In Luo, J. (ed.). China today: An encyclopedia of life in the People’s Republic (pp92-95). Westport, CT: Greenwood.

Yin, Q., & Xiao, J. J. (2005). Development of Credit Spending. In Luo, J. (ed.). China today: An encyclopedia of life in the People’s Republic (pp105-108). Westport, CT: Greenwood.

Yin, Q., & Xiao, J. J. (2005). Pattern of savings. In Luo, J. (ed.). China today: An encyclopedia of life in the People’s Republic (pp531-534). Westport, CT: Greenwood.

Xi, J., Sun, Y., & Xiao, J. J. (eds.) (2006). Chinese youth in transition. Hampshire, England: Ashgate.

Xiao, J. J. (2006). Preface. In J. Xi, Y., Sun, & J. J. Xiao (eds). Chinese youth in transition. Hampshire, England: Ashgate.

Xiao, J. J. (2008). (ed.). Handbook of consumer finance research. New York: Springer.

Xiao, J. J. (2008). Applying behavior science theories in financial behaviors. In J. J. Xiao (ed.). Handbook of consumer finance research (pp69-81). New York: Springer.

Xiao, J. J. (2008). Consumer economics. In S. Song & Z. Pan (eds.). Advances in Western Social Sciences: Economics Volume (pp. 334-354). Beijing: Renmin University of China Press.#

Xiao, J. J., & Ying, B. (2008). Sustainable consumption in China: Role of Chinese consumers. In M. O’Donoghue (ed.). Global sustainable development: A challenge for consumer citizens. (Ebook). Lucerne, Switzerland: IFHE.

Xiao, J. J., Serido, J., & Shim, S. (forthcoming). Financial education, financial knowledge, and risky credit behaviour of college students. In D. Lamdin (ed.). Financial decisions across the lifespan: Problems, programs, and prospects. New York: Springer.

 

Technical Reports

 

Xiao, J. J. (1998). 401(k) plan contributions: Do plan features and employee preferences matter? Report to U.S. Department of Labor.

Xiao, J. J. (1999). Asset allocation of self-directed defined contribution pension plans and private savings. Report to the U. S. Department of Labor.

Vadovic, R., & Xiao, J. J. (2005). The Cost of Deregulating the Credit Card Industry and its Implications for Consumers. Research report to Demos, New York.

Xiao, J. J. (2006). Who are potential victims of universal default? Evidence from the 2004 survey of consumer finances. Report to Demos, New York.

Xiao, J. J., Shim, S., Barber, B., & Angela Lyons. (2006). Formation of Young Adults’ Positive Financial Behaviors and its Relation to Life Successes: TCAI Longitudinal Panel Study.

Xiao, J. J., Shim, S., Barber, B., & Lyons, A. (2007). Academic success and well-being of college students: Financial behaviors matter. Report. TCAI, University of Arizona. Available from: http://cals.arizona.edu/fcs/tcai/research/pilotreport.pdf

Xiao, J.J., Prawitz, A.D., Prochaska, J.M., O’Neill, B., Kim, J., & Garman, T. (2008). Strategies for Motivating Employees to Develop Positive Financial Behaviors: An application of the Transtheoretical Model of Behavior Change. pages 1-8. Available at: http://www.personalfinancefoundation.org

Shim, S., Serido, J. & Xiao, J. J. (2009). Arizona pathways to life success for university students: Cultivating positive financial attitudes and behaviors for healthy adulthood. Report. Take Charge America Institute for Consumer Financial Education and Research, University of Arizona.

Xiao, J. J., Collins, M., Ford, M., Keller, P., Kim, J., & Robles, B. (2010). A review of financial behavior research: Implications for financial education. Report submitted to NEFE.

 

Invited Presentations

 

1991    Tax return issues for Chinese students, to Chinese students and scholars at Oregon State University.

1993    Tax return issues for Chinese students, to Chinese students and scholars at University of Rhode Island.

1995    Saving Theories and Policy Implications in the U.S. To faculty and students at Zhongnan University of Economics and Law.

1995    Financial planning software demo. To high school teachers, sponsored by RI Association of Family and Consumer Science and URI.

7/96     Consumer protection in the U.S.. To Chinese speaking audience in the world through the broadcasting program of the Voice of America, U.S. Information Agency.

11/96   Consumption in the U.S.. To Chinese speaking audience in the world through the broadcasting program of the Voice of America, U.S. Information Agency.

4/97     Interviewed on consumer issues of new immigrants by a reporter from Shim Tao Daily, one of the major Chinese newspapers in the U.S. at the conference of American Council on Consumer Interests, Salt Lake City, Utah. The interview was printed on Shin Tao Daily and broadcast at a local Chinese radio station in San Francisco.

5/97     Invited by the Credit Executives Association of Southeastern New England to give a speech on search for financial information on WWW at the “Train the Trainer” workshop.

7/97     Interviewed by the Guangdong Commercial TV Station, Guangzhou, China, at the Conference of Asian Consumer and Family Association. The interview was used to make a special program on consumer education in China and broadcast two weeks later.

7/99     U. S. pension system and retirement behavior. To faculty and students at Keimyung University, Taegu, Korea.

11/97   Exorbitant Prices in the U. S. Markets. To Chinese speaking audience in the world through the broadcasting program of the Voice of America, U.S. Information Agency.

12/98   Commercialization of Holidays. To Chinese speaking audience in the world through the broadcasting program of the Voice of America, U.S. Information Agency.

10/00   Culturally diverse money attitudes and behaviors. To college students in the URI Diversity Week.

5/01     Consumer credit in the US. To Chinese speaking audience in the world through the broadcasting program of the Voice of America, U.S. Information Agency.

1/02     Consumer protection in the US. To Chinese speaking audience in the world through the broadcasting program of the Voice of America, U.S. Information Agency.

5/02     Integrating economic and psychological approaches to research family economic behavior. To faculty and students ad Jiangsu University, Yangzhou University, Nanjing Normal University, Xinjiang University, Xinjiang Normal University, and Xinjiang College of Finance and Economics.

12/03   Consumer research and education in the U. S.. To faculty, researchers, and students at China Youth and Children Research Center, Remin University, Zhongnan University of Economics and Law, and Hubei College of Economics.

5/04     Counterfeit goods and consumer protection in the US. To Chinese speaking audience in the world through the broadcasting program of the Voice of America, U.S. Information Agency.

5/04     New developments of consumer research in the U.S.. To faculty and students at Shanghai University, Zhejiang University, Xiamen University, Fujian Normal University, Nanping Normal College, Southwestern University of Finance and Economics, Guangdong Commercial College, and Hunan Normal University.

2/05     Applying the transtheoretical model of change to credit counseling. Foundation for Credit Education, St. Louis, Missouri.

3/05     Financial education to youth. National Council of Higher Education Loan Programs conference, Tucson, Arizona.

8/05     Applying the transtheoretical model of change to credit counseling. ClearPoint Financial Solutions, Richmond, Virginia.

10/05   Measuring successes of clients in credit counseling under the framework of the transtheoretical model of change. A conference organized by Foundation for Credit Education, Orlando.

12/05   Methods, material, and support for teaching competence 11. A workshop organized by the Arizona Department of Education. Phoenix.

1/06     Effects of credit card industry deregulation and their implications for consumers. Working group meeting, organized by Demos, a nonprofit organization in NYC.

10/6     How to retain clients in credit counseling. A conference organized by Foundation for Credit Education, Orlando.

10/6     Credit counseling in the U.S. A presentation to a group of Japanese bankers at the Eller College of Management at University of Arizona

6/07     Financial behavior and quality of life of college students, presented to faculty and researchers at Zhongnan University of Economics and Law, Hubei Institute of Economics, China Youth and Children Research Center, and Renmin University.

7/07     Overview of Asian Americans, presentation made for a workshop on Financial Education to Asian Americans, U.S. Department of Treasury.

7/07     The poor pay more: A case in the credit card market, presentation in a policy brief on Capital Hill, Washington, DC.

5/08     Consumer economics. Special topic seminars to Ph.D. students of college of business administration, Renmin University of China, Beijing.

10/08   Discussion leader on behavior theory applications, U.S. Treasury Department Financial Education Research Symposium, Washington, DC.

9/09     Keynote speech, Financial Behavior of Americans: Implications for China. The 1st China Forum on Consumer Finance, Tsinghua University.

4/10     Panel presentation. Meet the editors. Annual Conference of American Council on Consumer Interests, Atlanta, GA.

8/10     Financial behavior team leader presentation at a colloquium sponsored by National Endowment for Financial Education, Denver, CO.

10/10   Consumer financial research, presentation at Tsinghua University and Renmin University of China, Beijing, China.

10/11   Keynote speech, Consumer financial behavior, education and well-being. The 2nd research forum on consumer finance jointly sponsored by Economic Research and Tsinghua University.

 

GRANTS

 

1990-91           Xiao, J. J. Effects of family characteristics on integrated components of household asset portfolio. Oregon State University, Research Council, $700.

1993                Xiao, J. J.  Effects of family characteristics on household assets possessions. University of Rhode Island Research Council.  $3,000.

1993                Xiao, J. J.  Researching Family Financial Behavior with the 1989 Survey of Consumer Finance Data.  University of  Rhode Island Foundation, $506.

1993                Recipient.  Writing "Modern Family Economics" sponsored by the U. S. Chamber of Commerce through Chinese Economist Society.  $2,000.

1994                Xiao, J. J. Enhancement of Personal Finance Course. URI Foundation, $455.

1995                Xiao, J. J.  The impact of income and net worth on family financial asset holdings.  Certified Financial Planner Board of Standards, $4,000.

1995                Xiao, J. J.  Researching family saving and investing behavior with a behavioral life cycle hypothesis. URI Research Council Faculty Development Program, $3,000.

1997                Xiao, J. J. Consumer education in China: a field research. URI Foundation, $320.

1997-98           Xiao, J. J.  401(k) plan contributions: Do plan features and employee preferences matter? U.S. Department of Labor, $12,639

1998-99           Xiao, J. J. Asset allocation on 401(k) pension plans. U.S. Department of Labor, $13,033

1999-00           Xiao, J. J. Family Business Viability in Economically Vulnerable Communities. (USDA NE-167), RI Agricultural Experiment Station, $15,000.

1999-00           Dholakia, N., Mundorf, N., Dholakia, R. R. and Xiao, J. J. Interactions of transportation and Telecommunications Behavior in Relation to RIIR: Modeling the User Perspective. U.S. Department of Transportation through URI Transportation Center. $77,000.

2000-01           Dholakia, N., Mundorf, N., Dholakia, R. R. and Xiao, J. J. Exploring Ways of Influencing Transport Behaviors by Using Telecommunications Technologies. U.S. Department of Transportation through URI Transportation Center. $109,221.

2001-02           O'Neill, B., Xiao, J. J., Brennan, P., Lytton, R., Brennan, J. The Foundation for Financial Planning: Investing for your future: Basic investing home study course and class series. $26,520.

2001-04           Xiao, J. J., Newman, B. M., and Prochaska, J. M. Applying the transtheoretical model of change to financial behavior. USDA RI Agricultural Experiment Station research project (RI00712). $45,000 (estimate).

2002-03           Xiao, J. J., Newman, B. M., & Prochaska, J. M., Developing an instrument to measure behavioral change of debt reduction. Human Development Foundation. $18,000.

2003-04           Xiao, J. J. Financial behaviors of credit counseling clients. InCharge Education Foundation. $4,000.

2004                Xiao, J. J. Consumer advocate on campus educational program at University of Rhode Island. In-kind contribution from Direct Selling Education Foundation. Provided travel and lodging expenses for 5 national leaders of government, consumer group, and business coming to campus for a two-day program that directly benefited over 900 students.

2007-09           Serlin, R., Shim, S., & Xiao, J. Developing online consumer finance courses for consumers in Arizona, University of Arizona Technology and Research Initiative Funds (TRIF). $50,000.

2006-07           Xiao, J. J. Formation of financial behaviors among young adults and their effects on life successes. University of Arizona Agricultural Experimental Station. Partial salary support.

2007-09           Shim, S., Xiao, J. J., & Barber, B. Formation of financial behaviors among young adults. National Endowment for Financial Education. $207,078.

 

CONSULTING

 

2009                U.S. Department of Treasury, evaluation of financial education programs created by federal agencies, mandated by the 2009 Credit Card Act.

2010                National Endowment for Financial Education. Project entitled “What have we learned from a quarter century of research on financial education?

 

SERVICES

 

Professional Publications

 

International Series on Consumer Science, Editor-in-Chief 2008-present.

Journal of Family and Economic Issues, Editor-in-Chief 2001-11, Editor-elect 8-12/2000, Ad hoc reviewer 1996-2000.

Journal of Consumer Affairs, Editorial Board 2001-present, Associate Editor 1998-01, Ad hoc reviewer 1997.

Financial Counseling and Planning, Editorial Board 1996-present, Ad hoc reviewer 1994-96.

Journal of Personal Finance, Editorial Board 2001-09

Journal of Consumer Education, Editorial Board 2006-10.

International Journal of Human Ecology, Ad hoc reviewer 2004-05, Editorial Board 2005-08.

Kappa Omicron Nu Forum, Ad hoc reviewer 2007.

Journal of Marriage and the Family, Ad hoc reviewer 2003.

Journal of Consumer Policy, Ad hoc reviewer 2001.

Financial Service Review, Ad hoc reviewer 1998-2000.

Advancing the Consumer Interest, Ad hoc reviewer 1998-2000.

Journal of Consumer Economics (a Chinese journal), Special correspondent 1986-88

Consumer (a Chinese magazine), Special correspondent 1986-89

 

Professional and Community Organizations

 

American Council on Consumer Interests (ACCI), Co-chair of conference program 2008-09, Immediate Past President 2005-06, Nomination and Election Committee 2005-06, President 2004-05, VP/President-elect 2003-04, Board Director 2001-04, Chair of International Committee 2001-03, Chair of Development Committee 1995-00, Member of International Affairs Committee 1993-96, Conference paper reviewer, session chair since 1991

Asian Consumer and Family Economic Association (ACFEA), Conference advisory committee 2008-09, Vice-chair of the Conference Committee 2003-05, President 2001-03, Chair of International Forum of Consumer Right and Protection at the 2003 ACFEA conference, Vice-chair of the Conference Committee 2001-03, Poster chair 2001, Vice-chair of the Conference Committee for a joint conference of ACFEA and China Consumer Economics Research 2000-01,  Local arrangement chair 1997, Secretary 1995-97, Conference paper reviewer and session chair since 1995, Manager of listserv “Consumer Economics and Asia” 1994-2004

National Consumer League, Board member, 2005-10, judge and question writer for LifeSmart (a national high school consumer knowledge competition), 2005-06. Chair 2006-08, Member 2009-10, Nomination Committee.

Association for Consumer Research (ACR). Asian-Pacific conference, co-program chair 2011,  paper reviewer 2005-06. Northern American conference, reviewer 2009.

Personal Finance Employee Education Foundation, Direct of Communication Strategies 2008.

E-extension, reviewer for Frequent Asked Questions 2006.

Association of Financial Counseling and Planning Education (AFCPE), Manager of AFCPE listserv 1998-2004, Chair of Electronic Communication Committee 1999-00, Program chair 1998, Proceedings editor 1997, Chair of Student Paper Award 1995-96, Conference paper reviewer, session chair since 1993.

Association of Marketing and Public Policy, Conference paper reviewer 2004.

Certified Financial Planner (CFP) Standard Board, Exam item writer 2002.

National Council on Family Relations (NCFR), Member of Reuben Hill Award committee, 2007-08, 2004-05, 2001-02,  Conference Session chair 2001, Proposal reviewers, 2004-present.

Association of Chinese Professors in Social Sciences (ACPSS), Conference session chair 2003.

US National Science Foundation research proposal reviewer 2003.

USDA Research proposal reviewer 2002.

Manager of the listserv “Consumer” 2000-present.

Center for Personal Financial Education, Program Advisory Committee 1996-2001.

National Institute for Personal Finance Employee Education, Research proposal reviewer 2000, Conference paper reviewer 1997.

USDA NE-167 Family Business Research Project, Secretary 1999-00.

South Kingstown Junior High School. Member of School Improvement Team 1998-99.    

Academy of Financial Services (AFS), Conference paper reviewer, discussant, and session chair 1995-97.

Family Economics and Resource Management (FERM) division of American Association of Family and Consumer Science (AAFCS), Conference paper reviewer 1995.

Northeastern Decision Science Institute, Conference paper discussant 1995.

RI Family and Consumer Science Association, Board Director 1994-97.

Chinese Economists Society (CES), Paper reviewer and session chair 1994.