About the Authors
Ted Benna is often called the "father of the 401(k)" because he created
and gained IRS approval for the fi rst 401(k) savings plan. Ted is a nationally
recognized expert on retirement issues whose articles and comments have
appeared in myriad publications. Ted has been profi led in The New York
Times, USA Today, Fortune, and Kiplinger. During his career, Ted has helped
thousands of employers establish, restructure, and administer their retire-
ment programs. He is president and founder of the 401(k) Association. Ted is
the coauthor of 401(k)s For Dummies.
Stephen R. Bucci is currently the president of the Money Management
International Financial Education Foundation, www·mmifoundation·org,
which provides funds and materials for essential money management edu-
cation. In addition, he is helping to build one of the nation's largest credit
counseling services, Money Management International (MMI). MMI is not only
accredited by the Council on Accreditation, but is also a member of both the
Association of Independent Consumer Credit Counseling Agencies and the
National Foundation for Consumer Credit -- the umbrella associations for
credit counseling nationwide. In addition, all of their counselors are certi-
fi ed -- and trained to help you fi nd the best way out of debt. Stephen is the
author of Credit Repair Kit For Dummies, 2nd Edition.
James P. Caher is a practicing attorney with 30 years of experience, is a
nationally recognized expert on consumer bankruptcies and authority on the
Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. Jim has
published scores of articles for bankruptcy professionals and is frequently
called upon to analyze and interpret the complicated provisions of the
2005 bankruptcy law. He also serves on the editorial board of the American
Bankruptcy Institute. Jim graduated from Niagara University and then earned
his law degree from Memphis State University Law School, where he was
a member of the Law Review and recipient of the American Jurisprudence
Award for Excellence in the fi eld of debtor-creditor relations. He fi led his fi rst
consumer bankruptcy case shortly after graduating in 1975 and lives and
practices in Eugene, Oregon. James is coauthor of Personal Bankruptcy Laws
For Dummies.
John M. Caher
is a legal journalist who has written about law and the courts
for most of his long career. He has been Albany bureau chief for the New
York Law Journal and state editor and legal affairs reporter for the Times
