american council on consumer interests€¦ · estimates of income and wealth inequality among...
TRANSCRIPT
American Council
on Consumer Interests
42nd Annual Conference March 27-March 30, 1996 Nashville, Tennessee
Consumer Interests Annual Karen F. Folk, Editor
42nd Annual Conference
of the
AMERICAN COUNCIL ON CONSUMER INTERESTS
March 27 - March 30, 1996 Nashville, TN
Copyright 1996 ISSN 0275-1356
Printed in the United States of America
Distributed by
ACCI 240 Stanley Hall
University of Missouri Columbia, Missouri 65211
(573) 882-3817
~- PRINTED WITH ~SOYINK
Author's List Editor's Note
CONTENTS OF THE 1996 CONSUMER INTERESTS ANNUAL
lX
xvii Conference Chairs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . xviii ACCI Officers and Committees . ... ... ... . .. . .. . .. ... . .. . .. . . . . . . . . . . . . . .. . . . .. . .. . . . . . . . . . . . . . .. . .. . . .. ... . .. . . . .. . .. . . . . . . . ........ .. ... . .. . . xix
Invited Lecturers and Special Speakers
The Colston E. Warne Lecture Surfs UP: Antitrust Enforcement and Consumer Interests in a Merger Wave William J. Baer
Esther Peterson Consumer Policy Forum Whither the Consumer Interest: The Role of Consumer Education and Research in an Era of Public Reinvention Colien Hefferan
Observations About the Role of Consumer Professionals During "The Worst of Times and the Best of Times" E. Thomas Garman
Small Change: Problems and Prospects in Child Support Andrea Beller
The Informed Consumer: The Believability of Non-Test Consumer Ratings Erik De Gier
Behind the Ratings: The Reasons to Believe A Review of Consumer Product Testing Peter Sieber
Consumer Product Testing: A Comment Robin A. Douthitt
Comments on Papers by Dr. Erik de Gier and Dr. Peter Sieber James N. Morgan
The Scientific Foundations of Consumer Advice: Some Comments E. Scott Maynes
Refereed Papers
Geographic Variation in Consumer Prices: Implications for the Local Cost of Living Michael L. Walden
Self-Employment: A Viable Economic Alternative for the California Hispanic Population Patricia D. Olson, Virginia Solis Zuiker, Catherine P. Montalto
ii
1
11
15
17
25
31
37
39
41
43
49
Reasons for Retirement: Estimation and Implications Jane Kolodinsky, Rosemary Avery
Estimates of Income and Wealth Inequality Among Elderly Households Hui Wang
Consumer Attitudes Towards Fat Contents in Food: The Case of Whole Mille vs. Lower Fat Mille Jun Zuo, Wen S. Chern, Robert E. Jacobson
Economic and Sociodemographic Determinants of ......... ............................................. ... ... ... ..... ..... ... ... . 'Healthy Eating' as Measured by USDA's Healthy Eating Index P. Peter Basiotis, Jay D. Hirschman, and Eileen T. Kennedy
Analysis of Consumer Demand for Fresh Fruits and Vegetables in the United States Zhikang You, James E. Epperson, Chung L Huang
Consumer Satisfaction with Managed Health Care Jane Kolodinsky
Impacts of Income and Payment Sources on Consumer Medical Expenditures Guijing Wang, Alan Fried/ob, Melinda L. Flock
Consumers' Preferences for Health Care Reform Gong-Soog Hong, Shelley I. White-Means,JulieYu
Long-Tenn Care Insurance: Is State Regulation Adequate? Brenda J. Cude
Just Say Yes: The Consumer Buycott As an Organizational Initiative Monroe Friedman
New Directions for the Consumer Policy Arena: A Social Network Perspective Sue L. T. McGregor
Who has a Negative Attitude Toward Installment Debt in the U.S.? Kaili Yieh
Factors Affecting Families' Consumer Debt Burden Feng-Ling Lin, Sharon A. DeVaney
Profiling the Consumer Debt Portfolio of American Households: Differences by Income Carole G. Prather, Jamie Huyer
Determinants of Information Search Behavior: The Case of Saving and Borrowing Decisions Yoon G. Jang
The Cost of'Free' Credit Card Benefits Robert N. Mayer, Cathleen D. Zick
111
57
65
73
81
89
97
105
113
119
125
127
135
141
149
155
161
Refund Anticipation Loans and the Consumer Interest: A Preliminary Investigation Joan Koonce Lewis, Roger Swag/er, John R. Burton
Household Expenditures on Apparel: A Complete Demand System Approach Jessie X. Fan, Jinkook Lee, Sherman Hanna
An Analysis of Household Expenditures on Educational Goods and Services Sandra J. Huston
Are Consumers Forward-Looking, Backward-Looking and/or Liquidity Constrained ? An International Analysis Manouchehr Mokhtari, Janet Wagner, MamakAshtari
An Approach to Adding Price Information to the Consumer Expenditure Survey JessieX. Fan
Refereed Posters
Child Care: Parental Search and Decision-Making D. Elizabeth Kiss, Brenda J. Cude
A Family Economic Self Sufficiency Measure Julia Marlowe
Hours of Employment and Undergraduate Grades Mary Pritchard
Utilizing Focus Group Interviews for Testing Theoretical Framework Viability Julie Johnson-Hillery, Jikyeong Kang
Factors That Contribute to the Wage Gap Between Black and White Women Tiffanye H. Porter
Korean Working Wives' Employment Cost: Married Women's Resource Consumption Depends on Employment Status Sook-Jae Moon, Hye-Yeon Kim
Consumer Awareness of Laws and Regulations M. J. A/habeeb, Sheila Mammen, Steven Gary
Factors Useful in the Prediction of Satisfaction with Choice of Retirement Community Aimee D. Prawitz, Frances C. Lawrence
A Financial Crisis Clinic Supported by Consumer Affairs Students Wendy l. Reiboldt
A Way of Improving Consumer Information in Korea Kee-okKim
IV
167
173
181
189
197
203
205
207
209
211
213
215
217
219
221
A Decade in Perspective 1985-94: A Content Analysis of the Journal of Consumer Affairs
Elizabeth M. Dolan, Frances C. Lawrence
Home Health Care Utilization Patterns Among the Elderly Soo Yeon Kim
Factors Related to Household Risk Tolerance: An Ordered Probit Analysis Jaimie Sung, Sherman Hanna
223
225
227
Income Sources and Education Expenditures for ....... .. .. ... .. . . . . . . . . . . ... ... ... ... .. . ...... ..... ... .. . .. . .. . . . .. .. . .. .. . . . . ...... 229 Single-Mother Families: Implications for Public Policy Yoon G. Jang
After Sale Services and Consumer Complaints: An Empirical Study Yaolung James Hsieh
Informal Money Management Education: Perceptions of Teens and Parents r:athy Faulcon Bowen
Project-Based Learning for Consumer Voice and Customer Service John Kushman
Perceived Usefulness of Credit and Insolvency Measures Among Financial Planners and Educators Sue Alexander Greninger, Karro/ A. Kitt, Vickie L. Hampton, Joseph A. Achacoso
Invited Papers, Panel and Workshop Sessions
Spending Behavior of F amities Receiving Welfare or Public Assistance, 1992-1994 William Passero
The Changing Food at Home Budget: 1980 and 1992 Compared Geoffrey Paulin
Spending Habits of Generation X Brian Riordan
Boom or Bust: An Assessment of Consumer Spending by Region, 1984-85 and 1993-94 Wolf Weber
Cyberspace: The Potential for Consumers Constance Y. Kratzer
Cyberspace: Consumer Protection Issues Sherman Hanna
Consumers and Cyberspace: Inequitable Distribution of Information Alice Simon
v
231
233
235
237
239
245
25 1
255
261
263
265
Use of the Alternative Financial Sector: Toward a Revisionist Hypothesis Roger Swag/er, Joan Koonce Lewis, John R. Burton
Low-Income Consumers' Use of the Alternative Financial Sector Joan Koonce Lewis, Roger Swag/er, John R. Burton
The Impact of Rising Bank Fees on the Use of Alternative Financial Services Janice Shields
The Alternative Financial Sector: Policy Implications for Poor Households John R. Burton, Roger Swag/er, Joan Koonce Lewis
267
271
275
279
Measurement of the Value of Homemaker's Time: ......................................... ........................................... 285 A Comparison of the Alternative Methods of the Opportunity Cost Approach Mohamed Abdel-Ghany, Deanna L. Sharpe
The Reservation Wage and the Value of Household Work Time: Estimates for Canada Karen A. Duncan
The Value of Unpaid Work in the System of National Income Accounts: A Satellite Account Approach Robin A. Douthitt
Question Wording Experiments: An Introduction Rex H. War/and
Do Surveys Accurately Assess Public Opinions? Arthur H. Sterngold
Misinterpreting Expressions of Consumer Concern about Food Safety Robert 0. Herrmann
Welfare Reform and Self-Sufficiency in Wisconsin: Will It Work? Karen Folk
Human Capital Investments of Divorced and Separated Women: Implications for Welfare Reform Teresa A. Mauldin
W-2: Consumers Lose Again Patricia Mapp
Welfare Reform in Virginia: YES We Can! Irene E. Leech
291
297
303
307
311
315
317
319
321
Panel on Credit Issues and Consumer Welfare ....................................................................... .................. .. 323 Alan Mathios, Susan Potkai, Cynthia Fletcher, Lisa Daniel, Richard Vosburgh
Beyond Consumer Whatever: A Contribution to the Consumer Lexicon Edward J. Metzen
VI
327
Risk Perception, Money and Gambling: Perspectives and Programs Carole J. Makela
Risk Perception, Money and Gambling: Perspectives and Programs A Non-formal Educator's Perspective Nancy L. Granovsky
The Importance of Non-Residential Parent Contact for Children of Divorce Barbara Rowe, Gong-Soog Hong
Factors that Influence Noncustodial Fathers' Compliance with Child Support (])rders Nancy S. Mcleod
33 1
333
335
341
Changes in the Child Support Enforcement Environment .................................................................... .. 347 During the 1980s: Effect on the Educational Attainment of Young Adults PedroM. Hernandez, Andrea H. Beller
The Detenninants of Conflict Escalation and Award Levels in Divorce Disputes Amy Farmer, Jill Tiefenthaler
The Roles of Education and Regulation in Protecting Consumers: A Federal Reserve System Case Study of Uninsured Bank Products
Jeanne Hogarth
This Deregulation May Be Hazardous To Your Health Robert R. Kerton
Welfare Reform: Issues, Implications and Public Policy Bonnie Braun, Karen Craig, Jean Bauer, Claudia J. Peck
Consumer Information Meets the Information Highway: Old Dog - New Tricks? Lydia Shevchuk
353
359
362
365
371
A Loan Form Reconstruction Exercise ................................................... .... ... .. ......................................... 373 Richard Widdows, Sugato Chakravarty, Richard Feinberg
Into the Shark Tank: Surviving the Loan Closing Process Paul Camp
377
Banking Laws and the Consumer ......... ................. .. ... .............................. ................... .................. ........... 383 Sugato Chakravarty, Richard A. Feinberg, R ichard Widdows
The Future of Banking: The Strategies That Won the Game Yesterday ......... ......................................... 387 Will Win The Game Tomorrow - -Results from a National Survey of Banking Consumers Sugato Chakravarty, Richard A. Feinberg, Richard Widdows, James Scott
Seafood Safety Perceptions and Their Effects on Consumption Choices Joan Gray Anderson, Cathy Roheim Wessells
vii
389
A Model of Consumers' Risk Perceptions Toward Recombinant ...... ..... ... ............ ...... ... .. ... .. .................. 395 Bovine Growth Hormone (rbGH): The Impact of Risk Characteristics Deana Grobe, Robin Douthitt, Lydia Zepeda
Consumer Willingness-to-Pay for Food Safety: ... ............................. ....................................................... 401 An Application of Binary-Ordinal Double-Hurdle Estimation Chung Huang, Kamhon Kan, Tsu-Tan Fu
Comparative Study of the Willingness to Pay for Organic and lrradiated Meat Products: An Experimental Design William C. Bailey
Life and Health Insurance Customer Complaints: A Illustration Lori Clark, Loren Geistfeld, Glenn Soden
Limited Partnerships, An Inappropriate Purchase: A Profile of Individuals Seeking Restitution Suzanne Bartholomae, Loren Geistfe/d
407
411
417
The Elderly: Vulnerability to Deception and Fraud . .. . .. . .. . . . . .. .. .. . . . . . . .. . ..... .. . . . . .. . . . . . ............ .. . .. . .. . .. . . . . .. . .. . .. 423 Jinkook Lee, Horacio Soberon-Ferrer, Kee-Choon Rhee
Graduate Student Papers
Determinants of Fathers as Primary Child Care Providers in Working Families David C. Burchfield
Effects and Implications of Employment History on Housing Tenure Status Angela C. Cichocki
Parental Marital History and Child Measured Cognitive Development Michele Ver Ploeg
429
435
441
Income Elasticities for Clothing Expenditures: ...................................... ... .................................... .. ......... 447 A Comparison Among Different Occupational Groups Yi-Wen Yang
Master's Thesis Award Winning Paper
On the Performance of Asset Allocation Mutual Funds James Macdonald Thalacker
viii
453
AUTHOR INDEX TO THE 1996 CONSUMER INTERESTS ANNUAL
AUTHOR
Abdel-Ghany, Mohamed
Achacoso, Joseph A.
Alhabeeb, M. J.
Anderson, Joan Gray
Ashtari, Mamak
Avery, Rosemary
Baer, William J.
Bailey, William C.
Bartholomae, Suzanne
Basiotis, P. Peter
Bauer, Jean
Beller, Andrea H.
Beller, Andrea H.
Bowen, Cathy Faulcon
Braun, Bonnie
Burchfield, David C.
Burton, John R.
Burton, John R.
TITLE
Measurement of the Value of Homemaker's Time: A Comparison of the Alternative Methods of the Opportunity Cost Approach
see Greninger, Sue Alexander
Consumer Awareness of Laws and Regulations
Seafood Safety Perceptions and their Effects on Consumption Choices
see Mokbtari, Manouchehr
see Kolodinsky, Jane
Surfs UP: Antitrust Enforcement and Consumer Interests in a Merger Wave
Comparative Study of the Willingness to Pay for Organic and Irradiated Meat Products: An Experimental Design
Limited Partnerships, An Inappropriate Purchase: A Profile of Individuals Seeking Restitution
Economic and Sociodemographic Determinants of 'Healthy Eating' as Measured by USDA's Healthy Eating Index
see Braun, Bonnie
Small Change: Problems and Prospects in Child Support
see Hernandez, Pedro M.
Informal Money Management Education: Perceptions of Teens and Parents
Welfare Reform: Issues, Implications and Public Policy
Determinants of Fathers as Primary Child Care Providers in Working Families
see Lewis, Joan Koonce
see Swagler, Roger
ix
PAGE
285
237
215
389
189
57
1
407
417
81
365
17
347
233
365
429
167
267
AUTHOR
Burton, John R.
Burton, John R.
Camp, Paul
Chakravarty, Sugato
Chakravarty, Sugato
Chakravarty, Sugato
Chern, Wen S.
Cichocki, Angela C.
Clark, Lori
Craig, Karen
Cude, Brenda J.
Cude, Brenda J.
Daniel, Lisa
de Gier, Erik
De Yaney, Sharon A
Dolan, Elizabeth M.
Douthitt, Robin A
Douthitt, Robin A
Douthitt, Robin A
Duncan, Karen A
Epperson, James E.
TITLE
see Lewis, Joan Koonce
The Alternative Financial Sector: Policy Implications for Poor Households
Into the Shark Tank: Surviving the Loan Closing Process
see Widdows, Richard
Banking Laws and the Consumer
The Future of Banking: The Strategies That Won the Game Yesterday Will Win The Game Tomorrow - -Results from a National Survey of Banking Consumers
see Zuo, Jun
Effects and Implications of Employment History on Housing Tenure Status
Life and Health Insurance Customer Complaints: A Illustration
see Braun, Bonnie
Long-Tenn Care Insurance: Is State Regulation Adequate?
see Kiss, D. Elizabeth
see Mathios, Alan
The Informed Consumer: The Believability of Non-Test Consumer Ratings
see Lin, Feng-Ling
A Decade in Perspective 1985-94: A Content Analysis of the Journal of Consumer Affairs
Consumer Product Testing: A Comment
The Value of Unpaid Work in the System of National Income Accounts: A Satellite Account Approach
see Deana Grobe
The Reservation Wage and the Value of Household Work Time: Estimates for Canada
see You, Zhikang
x
PAGE
271
279
377
373
383
387
73
435
411
365
119
203
323
25
141
223
37
297
395
291
89
AUTHOR
Fan, Jessie X.
Fan, Jessie X.
Farmer, Amy
Feinberg, Richard
Feinberg, Richard
Feinberg, Richard
Fletcher, Cynthia
Flock, Melinda L.
Folk, Karen
Friedlob, Alan
Friedman, Monroe
Fu, Tsu-Tan
Garman, E. Thomas
Gary, Steven
Geistfeld, Loren
Geistfeld, Loren
Granovsky, Nancy L.
Greninger, Sue Alexander
Grobe, Deana
Hampton, Vickie L.
TITLE
Household Expenditures on Apparel: A Complete Demand System Approach
An Approach to Adding Price Information to the Consumer Expenditure Survey
The Determinants of Conflict Escalation and Award Levels in Divorce Disputes
see Widdows, Richard
see Chakravarty, Sugato
see Chakravarty, Sugato
see Mathios, Alan
see Wang, Guijing
Welfare Reform and Self-Sufficiency in Wisconsin: Will It Work?
see Wang, Guij ing
Just Say Yes: The Consumer Buycott As an Organizational Initiative
see Huang, Chung
Observations About the Role of Consumer Professionals During "The Worst of Times and the Best of Times"
see Alhabeeb, M. J.
see Clark, Lori
see Bartholomae, Suzanne
Risk Perception, Money and Gambling: Perspectives and Programs A Non-formal Educator' s Perspective
Perceived Usefulness of Credit and Insolvency Measures Among Financial Planners and Educators
A Model of Consumers' Risk Perceptions Toward Recombinant Bovine Growth Hormone (rbGH): The Impact of Risk Characteristics
see Greninger, Sue Alexander
xi
PAGE
173
197
353
373
383
387
323
105
315
105
125
401
15
215
411
417
333
237
395
237
AUTHOR
Hanna, Sherman
Hanna, Sherman
Hanna, Sherman
Hefferan, Colien
Hernandez, Pedro M.
Herrmann, Robert 0 .
Hirschman, Jay D.
Hogarth, Jeanne
Hong, Gong-Soog
Hong, Gong-Song
Hsieh, Yaolung James
Huang, Chung L.
Huang, Chung
Huston, Sandra J.
Huyer, Jamie
Jacobson, Robert E.
Jang, Yoon G.
Jang, Yoon G.
Johnson-Hillery, Julie
TITLE
see Fan, Jessie X.
see Sung, Jaimie
Cyberspace: Consumer Protection Issues
Whither the Consumer Interest: The Role of Consumer Education and Research in an Era of Public Reinvention
Changes in the Child Support Enforcement Environment During the 1980s: Effect on the Educational Attainment of Young Adults
Misinterpreting Expressions of Consumer Concern about Food Safety
see Basiotis, P. Peter
The Roles of Education and Regulation in Protecting Consumers: A Federal Reserve System Case Study of Uninsured Bank Products
Consumers' Preferences for Health Care Reform
see Rowe, Barbara
After Sale Services and Consumer Complaints: An Empirical Study
see You, Zhikang
Consumer Willingness-to-Pay for Food Safety: An Application of Binary-Ordinal Double-Hurdle Estimation
An Analysis of Household Expenditures on Educational Goods and Services
see Prather, Carole G.
see Zuo, Jun
Determinants of Information Search Behavior: The Case of Saving and Borrowing Decisions
Income Sources and Education Expenditures for SingleMother Families: Implications for Public Policy
Utilizing Focus Group Interviews for Testing Theoretical Framework Viability
xii
PAGE
173
227
263
11
347
311
81
359
113
335
231
89
401
181
149
73
155
229
209
AUTHOR
Kan, Kamhon
Kang, Jikyeong
Kennedy, Eileen T.
Kerton, Robert R.
Kim, Hye-Yeon
Kim,Kee-ok
Kim, Soo Yeon
Kiss, D. Elizabeth
Kitt, Karro! A.
Kolodinsky, Jane
Kolodinsky, Jane
Kratzer, Constance Y.
Kushman, John
Lawrence, Frances C.
Lawrence, Frances C.
Lee, Jinkook
Lee, Jinkook
Leech, Irene E.
Lewis, Joan Koonce
Lewis, Joan Koonce
Lewis, Joan Koonce
Lewis, Joan Koonce
Lin, Feng-Ling
TITLE
see Huang, Chung
see Johnson-Hillary
see Basiotis, P. Peter
This Deregulation May Be Hazardous To Your Health
see Moon, Sook-Jae
A Way of Improving Consumer Information in Korea
Home Health Care Utilization Patterns Among the Elderly
Child Care: Parental Search and Decision-Making
see Greninger, Sue Alexander
Reasons for Retirement: Estimation and Implications
Consumer Satisfaction with Managed Health Care
Cyberspace: The Potential for Consumers
Project-Based Learning for Consumer Voice and Customer Service
see Prawitz, Aimee D.
see Dolan, Elizabeth M.
see Fan, Jessie X.
The Elderly: Vulnerability to Deception and Fraud
Welfare Reform in Virginia: YES We Can!
Refund Anticipation Loans and the Consumer Interest: A Preliminary Investigation
see Swagler, Roger
Low-Income Consumers' Use of the Alternative Financial Sector
see Burton, John R.
Factors Affecting Families' Consumer Debt Burden
xiii
PAGE
401
209
81
362
213
221
225
203
237
57
97
261
235
217
223
173
423
321
167
267
271
279
141
AUTHOR
Makela, Carole J.
Mam.men, Sheila
Mapp, Patricia
Marlowe, Julia
Mathios, Alan
Mauldin, Teresa A
Mayer, Robert N.
Maynes, E. Scott
McGregor, Sue L.T.
McLeod, Nancy S.
Metzen, Edward J.
Mokhtari, Manouchehr
Montalto, Catherine P.
Moon, Sook-Jae
Morgan, James N.
Olson, Patricia D.
Passero, William
Paulin, Geoffrey
Peck, Claudia J.
TITLE
Risk Perception, Money and Gambling: Perspectives and Programs
see Alhabeeb, M. J.
W-2: Consumers Lose Again
A Family Economic Self Sufficiency Measure
Panel on Credit Issues and Consumer Welfare
Human Capital Investments of Divorced and Separated Women: Implications for Welfare Reform
The Cost of'Free' Credit Card Benefits
The Scientific Foundations of Consumer Advice: Some Comments
New Directions for the Consumer Policy Arena: A Social Network Perspective
Factors that Influence Noncustodial Fathers' Compliance with Child Support Orders
Beyond Consumer Whatever: A Contribution to the Consumer Lexicon
Are Consumers Forward-Looking, Backward-Looking and/or Liquidity Constrained ? An International Analysis
see Olson, Patricia D.
Korean Working Wives' Employment Cost: Married Women's Resource Consumption Depends on Employment Status
Comments on Papers by Dr. Erik de Gier and Dr. Peter Sieber
Self-Employment: A Viable Economic Alternative for the California Hispanic Population
Spending Behavior of Families Receiving Welfare or Public Assistance, 1992-1994
The Changing Food at Home Budget: 1980 and 1992 Compared
see Braun, Bonnie
XIV
PAGE
331
215
319
205
323
317
161
41
127
341
327
189
49
213
39
49
239
245
365
AUTHOR
Porter, Tiffanye H.
Potkai, Susan
Prather, Carole G.
Prawitz, Aimee D.
Pritchard, Mary
Reiboldt, Wendy L.
Rhee, Kee-Choon
Riordon, Brian
Rowe, Barbara
Scott, James
Sharpe, Deanna L.
Shevchuk, Lydia
Shields, Janice
Sieber, Peter
Simon, Alice
Soberon-Ferrer, Horacio
Soden, Glenn
Stemgold, Arthur
Sung, Jaimie
Swagler, Roger
TITLE
Factors That Contribute to the Wage Gap Between Black and White Women
see Mathios, Alan
Profiling the Consumer Debt Portfolio of American Households: Differences by Income
Factors Useful in the Prediction of Satisfaction with Choice of Retirement Community
Hours of Employment and Undergraduate Grades
A Financial Crisis Clinic Supported by Consumer Affairs Students
see Lee, Jinkook
Spending Habits of Generation X
The Importance of Non-Residential Parent Contact for Children of Divorce
see Chakravarty, Sugato
see Abdel-Ghany, Mohamed
Consumer Information Meets the Information Highway: Old Dog - New Tricks?
The Impact of Rising Bank Fees on the Use of Alternative Financial Services
Behind the Ratings: The Reasons to Believe A Review of Consumer Product Testing
Consumers and Cyberspace: Inequitable Distribution of Information
see Lee, Jinkook
see Clark, Lori
Do Surveys Accurately Assess Public Opinions?
Factors Related to Household Risk Tolerance: An Ordered Probit Analysis
see Lewis, Joan Koonce
xv
PAGE
211
323
149
217
207
219
423
251
335
387
285
371
275
31
265
423
411
307
227
167
AUTHOR
Swagler, Roger
Swagler, Roger
Swagler, Roger
Thalacker, James Macdonald
Tiefenthaler, Jill
Ver Ploeg, Michele
Vosburgh, Richard
Wagner, Janet
Walden, Michael L.
Wang, Guij ing
Wang, Hui
Warland, Rex H.
Weber, Wolf
Wessells, Cathy Roheim
White-Means, Shelley I.
Widdows, Richard
Widdows, Richard
Widdows, Richard
Yang, Yi-Wen
Yieh, Kaili
TITLE
Use of the Alternative Financial Sector: Toward a Revisionist Hypothesis
see Lewis, Joan Koonce
see Burton, John R.
On the Performance of Asset Allocation Mutual Funds
see Farmer, Amy
Parental Marital History and Child Measured Cognitive Development
see Mathios, Alan
see Mokhtari, Manouchehr
Geographic Variation in Consumer Prices: Implications for the Local Cost of Living
Impacts of Income and Payment Sources on Consumer Medical Expenditures
Estimates of Income and Wealth Inequality Among Elderly Households
Question Wording Experiments: An Introduction
Boom or Bust: An Assessment of Consumer Spending by Region, 1984-85 and 1993-94
see Anderson, Joan Gray
see Hong, Gong-Soog
A Loan Form Recontruction Exercise
see Chakravarty, Sugato
see Chakravarty, Sugato
Income Elasticities for Clothing Expenditures: A Comparison Among Different Occupational Groups
Who has a Negative Attitude Toward Installment Debt in the U.S.
XVl
PAGE
267
271
279
453
353
441
323
189
43
105
65
303
255
389
113
373
383
387
447
135
AUTHOR
You, Zhikang
Yu, Julie
Zepeda, Lydia
Zick, Cathleen D.
Zuiker, Virginia Solis
Zuo, Jun
TITLE
Analysis of Consumer Demand for Fresh Fruits and Vegetables in the United States
see Hong, Gong-Soog
see Grobe, Deana
see Mayer, Robert N.
see Olson, Patricia D.
Consumer Attitudes Towards Fat Contents in Food: The Case of Whole Milk vs. Lower Fat Milk
xvii
PAGE
89
113
395
161
49
73