E. THOMAS GARMAN is Distinguished Scholar and Director of Educational Services at the InCharge® Institute of America, Inc. (InCharge.org), in Orlando, Florida, the nation?s most experienced non-profit credit counseling organization. Garman is Professor Emeritus at Virginia Tech, where he concluded a 37-year teaching career and served as executive director of the university?s National Institute for Personal Finance Employee Education. Virginia Tech recognized him an excellent teacher, and research studies conducted by his graduate students have won seven national awards. He received his bachelor's and master's degrees in business administration from the University of Denver and his doctorate in economic education from Texas Tech University. Garman?s employment includes work for a United States Senator in Washington, sales management in Colorado, and economic development project management in West Africa. He taught in 8 states and 3 countries, including 15 workshops for 10 universities, and several "Consumer Issues in Washington" classes in the nation's capital.Garman, E. Thomas is the author of 'Consumer Economics Issues in America ', published 2005 under ISBN 9780759352629 and ISBN 0759352623.