E. Thomas Garman

Virginia Polytechnic Institute & State University

Professor Emeritus and Fellow

250 Drillfield Drive

Blacksburg, VA 24061

United States

SCHOLARLY PAPERS

8

DOWNLOADS
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Top 10,034

in Total Papers Downloads

6,151

SSRN CITATIONS
Rank 29,474

SSRN RANKINGS

Top 29,474

in Total Papers Citations

9

CROSSREF CITATIONS

21

Scholarly Papers (8)

1.

Incharge Financial Distress/Financial Well-Being Scale: Development, Administration, and Score Interpretation

Journal of Financial Counseling and Planning, Vol. 17, No. 1, 2006
Number of pages: 17 Posted: 26 Mar 2013
Northern Illinois University, Virginia Polytechnic Institute & State University, InCharge Education Foundation, Rutgers University - Rutgers Cooperative Extension, University of Maryland - Department of Family Science and Department of Sociology
Downloads 2,855 (5,619)
Citation 2

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economic stress, financial distress, financial stress, financial well-being, personal finance

2.

Relationships Among Credit Counseling Clients' Financial Wellbeing, Financial Behaviors, Financial Stressor Events, and Health

Journal of Financial Counseling and Planning, Vol. 14, No. 2, 2003
Number of pages: 13 Posted: 16 May 2013
Jinhee Kim, E. Thomas Garman and Benoit Sorhaindo
University of Maryland - Department of Family Science, Virginia Polytechnic Institute & State University and InCharge Education Foundation
Downloads 1,252 (20,805)
Citation 3

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Credit counseling, financial well-being, stress

3.

Financially Distressed Consumers: Their Financial Practices, Financial Well-Being, and Health

Journal of Financial Counseling and Planning, Vol. 16, No. 1, 2005
Number of pages: 15 Posted: 23 Apr 2013
Rutgers University - Rutgers Cooperative Extension, InCharge Education Foundation, University of Rhode Island and Virginia Polytechnic Institute & State University
Downloads 821 (38,041)

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Debt repayment, debt problems, financial counseling , financial distress, personal financial behavior , health and personal finances, financial problems

4.

How to Use Financial Ratios When Advising Clients

Journal of Financial Counseling and Planning, Vol. 2, No. 1, 1991
Number of pages: 11 Posted: 29 May 2014
Ruth H. Lytton, E. Thomas Garman and Nancy Porter
Virginia Polytechnic Institute & State University - Financial Planning, Virginia Polytechnic Institute & State University and Clemson Cooperative Extension
Downloads 533 (66,981)
Citation 3

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financial ratios

5.

Changes in Health, Negative Financial Events, and Financial Distress/Financial Well-Being for Debt Management Program Clients

Journal of Financial Counseling and Planning, Vol. 17, No. 2, 2006
Number of pages: 18 Posted: 12 Mar 2013
Rutgers University - Rutgers Cooperative Extension, Northern Illinois University, InCharge Education Foundation, University of Maryland - Department of Family Science and Virginia Polytechnic Institute & State University
Downloads 444 (83,646)

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financial counseling, financial distress, financial well-being, health status, credit counseling clients

6.

Financial Stress and Absenteeism: An Empirically Derived Model

Journal of Financial Counseling and Planning, Vol. 14, No. 1, 2003
Posted: 16 May 2013
Jinhee Kim and E. Thomas Garman
University of Maryland - Department of Family Science and Virginia Polytechnic Institute & State University
Downloads 202 (191,742)
Citation 2

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financial stress, absenteeism, workplace, financial education

7.

The Employer's Cost for the Personal Financial Management Difficulties of Workers: Evidence from the U.S. Navy

Personal Finances and Worker Productivity, Vol. 2, No. 1, 1998
Number of pages: 8 Posted: 16 Apr 2015
Raminder K Luther, Irene E. Leech and E. Thomas Garman
Bertolon School of Business, Salem State University, Virginia Polytechnic Institute & State University - College of Liberal Arts and Human Sciences - Department of Apparel, Housing, and Resource Management and Virginia Polytechnic Institute & State University
Downloads 44 (511,111)

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personal finance, financial distress

8.

Scope and Impact of Personal Financial Management Difficulties of Service Members on the Department of the Navy

DTIC Online Military Technical Report, August 1997
Posted: 15 Apr 2015
Bertolon School of Business, Salem State University, Virginia Polytechnic Institute & State University, Virginia Polytechnic Institute & State University - College of Liberal Arts and Human Sciences - Department of Apparel, Housing, and Resource Management, Case Western Reserve University and Independent

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service members, indebtedness, personal financial management