Jing Jian Xiao, PhD
Director
Take Charge America Institute
E-Mail: xiao@email.arizona.edu
[MAILING ADDRESS]
PO Box 210078Tucson, AZ 85721-0033
[CAMPUS ADDRESS]
Family and Consumer Sciences Bldg.
650 N Park AveTucson, AZ 85721-0033
Phone: (520) 621-5948 Fax: (520) 621-3209
Email:xiao@email.arizona.edu
Scholarly Interests and Background
Prior to joining the Take Charge America Institute, Dr. Xiao (pronounced: she-ah-o) was a professor at the University of Rhode Island, teaching courses in consumer economics and personal finance. His research interests include consumer behavior in saving and investing, how consumers change their behaviors to eliminate credit card debt, cultural differences in attitudes and behaviors relative to consumer finance and personal financial planning and the financial behavior of college students.
His works have been published in most major journals of consumer economics and personal finance and several of his papers have won national awards. He has also authored, co-authored, and co-edited several books in consumer economics and personal finance.
Dr. Xiao is the president of the American Council on Consumer Interests, a national professional organization in consumer economics and personal finance; is the past president of the Asian Consumer and Family Economics Association, and is the Program Chair and Proceedings Editor of the Association for Financial Counseling and Planning Education.
He is the Editor-in-Chief of the Journal of Family and Economic Issues and also serves on editorial boards of the Journal of Consumer Affairs, Financial Counseling and Planning, and the Journal of Personal Finance. He has established broad international recognition through his research, lecturing, and professional affiliations. He is working with researchers in the China Youth and Child Research Center to write a book about Chinese youth in a transitional economy.
Dr. Xiao was originally from Wuhan, China. He received his B.S. and M.S. degrees in economics from Zhongnan University of Economics and Law. He taught marketing and business forecasting at the university level for five years before coming to the United States to earn his doctoral degree in consumer economics at Oregon State University.
The Take Charge America Institute was established in 2002 through an endowment from Take Charge America, Inc., Phoenix, AZ. The Institute, part of the Center for Retailing and Consumer Sciences in the School of Family and Consumer Sciences, has the singular goal of being the nation's leading center for the development of research based personal financial literacy curricula. Take Charge America, Inc. is one of the oldest consumer credit counseling companies in the United States and is headquartered in Phoenix, Arizona.
Selected Journal Publications
O'Neill, B., Xiao, J. J., Bristow, B., Brennan, P. & Kerbel, C. (2000). MONEY 2000 Ô : 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 2000 Ô : 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. #
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. (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. #
Xiao, J. J., Garman, E. T., & Sorhaindo, B. (2005). Financial behavior of consumers in credit counseling. International Journal of Consumer Studies, 29.
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