Experience

1995 - Present Board of Governors of the Federal Reserve System, Washington DC. Senior Analyst, Consumer Policies, Division of Consumer & Community Affairs

1982 - 1995 Cornell University, Ithaca NY. Associate/Assistant Professor, Consumer Economics and Housing; Extension Faculty, Cornell Cooperative Extension (Appointment was 70% Extension, 30% Research)

Sabbatical at the Bureau of Labor Statistics, July-December, 1989. Analysis of Consumer Expenditure Survey and Survey of Consumer Finances data

1981 - 1982 University of Illinois, Urbana, IL. Assistant Professor, Family and Consumer Economics; Family Economics Specialist, Illinois Cooperative Extension Service (Appointment was 100% Extension)

1971 - 1978 Olmstead Falls Board of Education, Olmstead Falls, OH. High school home economics teacher

Education

Ph.D. (1981) and M.S. (1979) in Family and Consumer Economics, The Ohio State University, Columbus OH

Thesis: Income Elasticity of Household Energy Expenditures

Dissertation: Retirement Behaviors of Low Income and Non-low Income Men

B.S. in Education, cum laude (1971). Bowling Green State University, Bowling Green, OH

Journals

Refereed

_____ and English, M.P. "Consumer Satisfaction with the Complaint Resolution Efforts of a U.S. Federal Agency" Journal of Consumer Satisfaction, Dissatisfaction, and Complaining Behavior, 1997, forthcoming.

Fletcher, C.N..; ______; and Schuchardt, J. "The Potential of the Public-Private Partnership in Outreach" Journal of Public Service and Outreach, 2 (3), 1997, forthcoming.

______; Harrison, E. Z.; and Cascio, K. "Waste Reduction and Limited Resource Families" Resource Recycling, 14 (4), 1995,100-105.

______ and Laquatra, J. "Building a Home Buyers' Educational Program" Housing and Society, 21 (3), 1994, 27-33.

"Asset Management and Retired Households: Savers, Dissavers and Alternators" Financial Counseling and Planning, 2, 1991, 97-121.

"Models of Accepting an Early Retirement Incentive" Lifestyles: Family and Economic Issues, 10 (1), 1989, 61-82.

_____ and McGonigal, J. W. "The New York FarmNet Experience: A Program Model" HumanServices in the Rural Environment, 12 (3), 1989, 22-27.

"Accepting an Early Retirement Incentive: An Empirical Study" Journal of Human Resources, 23 (11), 1988, 21-33.

"Work After Retirement: Realities and Implications" Journal of Consumer Studies in HomeEconomics, 11, 1987, 207-218.

"Retirement Planning Education: What Do People Want to Know? When Do they Want to Know It?" Journal of Consumer Education, 3 (1), 1985, 21-24.

_______ and Krein, S.F. "Fighting Inflation: Urban and Rural Strategies" Journal of Extension, 22 (March/April), 1984, 13-18.

Krein, S. F. and _______ "Family Adaptation to Economic Change" Illinois Journal of Consumer Education, 1 (1), 1983, 6-11.

Invited/Non Refereed

"Almost Everything You Wanted to Know About Vehicle Leasing" Consumer Interest Annual, 1997, p. 218-221.

Book Review of Consumer Rites: The Buying and Selling of American Holidays, appearing in Advancing the Consumer Interest, 8(2), 1996, 33-34.

"Retirement Planning" Human Ecology Forum, 19 (4), 1991, 8-12.

"Saving and Dissaving in Retirement" Family Economic Review, 2(2), 1989, 13-17.

"Communicating With Employees About Retirement Benefits" Topics in Total Compensation, 3(4), 1989, 369-376.

"More From Your Money" Extension Review, Fall, 1987 (with Josephine Swanson).

Andrews, S. and ______ "Using Volunteers to Improve Effectiveness" Journal of Extension, 24 (Winter), 1986, 24 (Idea Corner short note).

"Retirement Incentives and Retirement Planning" Human Ecology Forum, 15 (2), 1987, 15-16.

"What Unemployment Really Means" Human Ecology Forum, 14 (1), 1986, 24-25.

Congressional Hearings

Saving & Spending Patterns of Retirees. Hearing before the Subcommittee on Retirement Income and Employment of the Select Committee on Aging, U.S. House of Representatives. May 30, 1992, Jamestown, NY. (Comm. Pub. No. 102-881)

Consumer Choices in the Financial Services Industry. Oversight hearing on "The Ability of Consumers to Plan their Financial Affairs," Subcommittee on Consumer Affairs of the U.S. Senate Committee on Banking, Housing, and Urban Affairs, Washington, D.C. November 5, 1987.

Conference Proceedings

Lee, J. and _____. "Returns to Information Search: Consumer Mortgage Shopping Decisions" Marketing and Public Policy Proceedings, 8, 1998 (forthcoming).

_____ and O'Donnell, K.H. "Moving Consumers to the Mainstream Financial Sector: Challenges and Opportunities" Consumer Interest Annual, 44, 1998 (forthcoming).

Lee, J. and _____ . "Shopping for a Credit Card: Does Information Search Pay Off?" Consumer Interest Annual, 44, 1998 (forthcoming)

_____ and O'Donnell, K.H. "Bank Account Ownership and Use of Financial Institutions: Helping the 'Unbanked" Become 'Banked'" Proceedings of the Eastern Family Economics & Resource Management Annual Conference, 1998, forthcoming.

_____ and O'Donnell, K.H. "Being Accountable: A Descriptive Study of Unbanked Household in the U.S." Proceedings of the Associaiton for Financial Planning and Counseling Eduction, 1997, (forthcoming)

_____ and Shue, J.F. "Consumers' Response to Credit Card Solicitations." Consumer Interest Annual, 43, 1997, p. 10-15.

English, M. and _________. "There's Got to Be a Better Way: New Ways of Protecting Consumers" Marketing and Public Policy Proceedings, 6, 1996, p. 40-47.

"The Role of Education and Regulation in Protecting Consumers: A Federal Reserve System Case Study of Uninsured Bank Products." Consumer Interest Annual, 42, 1996, p. 359-361.

________ and Swanson, J. "Using Contemporary Adult Education Principles in Financial Education with Low Income Audiences" Family Economics & Resource Management Biennial, 1, 1995, p. 139-146.

"Consumer Education for Limited Resource Families: A Case Study on Waste Reduction" Consumer Interest Annual, 41, 1995, p. 170-176.

______ and Laquatra, J. "Building a Home Buyers' Educational Program" American Association of Housing Educators Conference Proceedings, 1993, p. 125-142.

______ and Swanson, J. "Voices of Experiences: Limited Resource Families and Financial Management" Presented at the Family Economics & Management Conference, American Home Economics Association Meetings, 1993, p. 13-28.

"Patterns of Saving and Dissaving in Retirement Aged Households" Presented at the American Council on Consumer Interest 37th Annual Conference, Cincinnati OH, April, 1991, p. 331-337.

_____ and Garner, T.; Miler, R.; Passero, W.; Sedransk, N. "Data Comparability Among Federal Household Surveys" in Enhancing Consumer Choice, Columbia MO: ACCI., 1990, p. 525-539.

"The Economic Status of Older Households: Filling in the Gaps" Presented at the Southern Regional Family Economics Conference, February, 1990, p. 12-23.

"Saving and Dissaving in Retirement" Presented at the Annual Agricultural Outlook Conference, Washington, DC, November, 1988, p. 486-495.

"Saving and Dissaving in Retirement" Presented at the American Council on Consumer Interest 34th Annual Conference, Chicago, IL, April, 1988, p. 19-25.

"Investment and Consumption Patterns Based on Personal Values" Presented at the National Family Economics Extension Specialists' Workshop, Chicago, IL, April, 1988, p. 55-56.

"Changes in Asset Resources During Retirement" Presented at the American Council on Consumer Interest 33rd Annual Conference, Denver, CO, April, 1987, p. 66-73.

"Work After Retirement: Intentions of Persons Eligible for an Early Retirement Incentive" Presented at the American Council on Consumer Interest 32nd Annual Conference, St. Louis, MO, April, 1986, p. 70-75.

"The Family as an Economic Unit: Research in Times of Transition--Discussion" in Human Resources Research, 1887-1987: Proceedings, (R. Deacon and W. Huffman, eds.), p. 157-159. Presented at the Human Resources Research Symposium, St. Louis, MO, March, 1986.

"Using Spreadsheet Templates in Family Resource Management Extension Programs" presented at the North Central Computer Institute Workshop on Computer Applications for Family Financial Management Professionals, St. Paul MN, October, 1985, p. 25-30.

"Alphabet Soup and Family Finances: The Effect of Technology on Family Financial Decision Making" presented at Family Economics/Home Management Section of American Home Economics Association for Pre-Conference meeting, June 1985, p. 196-206.

"Factors Affecting the Probability of Accepting an Early Retirement Incentive: Evidence to Support Retirement Planning Education" Presented at American Council on Consumer Interest 31st Annual Conference, Ft. Worth, Texas, March, 1985, p. 19-24.

_____ and Rudd, N.M. " Retirement: Determinants and Their Relationship to Public Policy" Presented at Economic Decisions of Families, sponsored by Family Economics/Home Management section of American Home Economics Association, June 1983, p. 53-64.

Reports

_______ and Conover, D. M. "Consumer Shopping for Mortgage Refinancing, Home Equity Loans and Home Equity Lines of Credit." Report for the Division of Consumer & Community Affairs, Federal Reserve Board, August, 1997 (in draft)

______ and Conover, D. M. "Consumer Shopping Behaviors for Home Purchase Mortgage: Evidence from the 1997 Survey of Consumers." Report for the Division of Consumer & Community Affairs, Federal Reserve Board, November, 1997 (in draft)

______ and Lee, J. "Consumer Shopping for Home Purchase Mortgage: Evidence from the 1995 Survey of Consumer Finances." Report for the Division of Consumer & Community Affairs, Federal Reserve Board, October, 1997 (in draft)

Potkai, S.; Farrish, J.; and ________. "Analysis of Credit Card Solicitation Issues." Report for the Division of Consumer & Community Affairs, Federal Reserve Board, December 1996.

Harrison, E.Z. and _____. "Waste Reduction Through Consumer Education." Report for the New York State Energy Research and Development Authority, May 1996

"Consumer Understanding of Risks Associated with Nondeposit Investment Products." Report for the Division of Consumer & Community Affairs, Federal Reserve Board, March 1996.

Conference Presentations (no proceedings published)

_____ and English, M. "We're from the Government and We're Here to Help: "Consumer Satisfaction with the Complaint Resolution Efforts of a U.S. Federal Agency" Presented at the bi-annual Conference on Consumer Satisfaction, Dissatisfaction, and Complaining Behavior, Salt Lake City, UT, July, 1997

"Building an Understanding of Credit Services," Presented at the NCCE/AT&T Credit Education Strategies Conference, Jacksonville, FL, November, 1994.

"Listening to Learners: Credit Education From and For Low Income Audiences," Presented at the Professional Development Conference for Extension Specialists in Family Resource Management and Housing, Herndon, VA, March, 1994.

"Do Incentives Work? Household Waste Reduction Attitudes and Behaviors," Presented with S. Stone at WasteTech 1991 Conference, Toronto, Ont. Canada, October, 1991.

"Financial Management Education Microcomputer Tools for Use in Community and Classroom Programs with Adult and Youth Audiences," Presented at the American Home Economics Association annual meeting, Baltimore, MD, June, 1988.

"Using Assets in Retirement: The Economic Destiny of Retirees," Presented at the Family Economics/Home Management Section of American Home Economics Association for Pre- Conference meeting, June 1987.

"Using Assets in Retirement: Effects on the Economic Security and Stability of the Elderly" Presented at the New York State Home Economics Association annual meeting, May, 1987.

"Microcomputer Applications in Cooperative Extension" Presented at the Western Regional Family Economics-Home Management meeting in San Francisco, CA, November, 1986.

"Money and Sex: Changes in Financial Asset Holding of Men and Women" Presented at the New York State Home Economics Association annual meeting, April, 1986.

"Planning for Retirement: What Do You Need to Know and When Do You Need to Know It?" Presented at Strategies for Economic Security and Stability, sponsored by Extension Committee on Policy, Family Resource Management section, May 1984.

"Changes in Social Security and What They Really Mean: Indications from Research." Presented at New York State Home Economics Association annual meeting, May 1983.

Working Papers

Results from Focus Group Interviews Conducted as Part of the Needs Assessment for Building an Understanding of Credit Services (BUC$). 3-93.

"Saving and Dissaving in Retirement" RP88-2 Consumer Economics and Housing Research Paper Series.

"Models of Accepting an Early Retirement Incentive" RP88-5 Consumer Economics and Housing Research Paper Series.

"Changes in Asset Resources During Retirement" RP87-4 Consumer Economics and Housing Research Paper Series.

"NY FarmNet: Helping the Farm Family and the Family Farm" RP87-2 Consumer Economics and Housing Research Paper Series.

"Changes in Financial Resources During Retirement: A Descriptive Study" RP86-4 Consumer Economics and Housing Research Paper Series.

"Determinants of Accepting an Early Retirement Incentive" RP86-3 Consumer Economics and Housing Research Paper Series.

"Work After Retirement: Determinants and Policy Issues" RP86-1 Consumer Economics and Housing Research Paper Series.

"A Study of the Early Retirement Incentive Program of the New York State Employees Retirement System: Preliminary Report" RP84-3 Consumer Economics and Housing Research Paper Series.

Grants & Contracts

"Putting Consumers in Charge: Credit Education Strategies" $26,800 funded by American Express Office of Public Responsibility for videoconference production and evaluation. 5/94-3/95.

"High School Financial Planning Program" $1,000 funded by National Endowment for Financial Education, 1994-95, 1993-94, 1992-93, 1991-92, 1990-9 1.

"Implementing a Home Buyer Educational Program," $32,677 funded by Ag Telecommunications Fund (Ag*Sat), Extension Service-USDA for satellite video-conference training. 8/l/93-4/l/94

"Utilization of Drop-Off Recycling Facilities in Tompkins Co.," $1,000 funded by Tompkins Co. Solid Waste Division, 7/l/93-9/30/93

"Building a Home Buyer Education Program," $12,000 funded by Extension System, US Department of Agriculture, 10/92-4/93

"Waste Reduction for Limited Resource Families: Developing a Waste Reduction Component for the Expanded Food and Nutrition Education Program," $12,000 funded by Extension System, US Department of Agriculture, 2/92-9/93

"Building an Understanding of Credit Services (BUC$)" $58,918 funded by National Coalition for Consumer Education/AT&T Consumer Credit Education Fund, 4/91-6/94.

"Economic Changes after Retirement" $55,496 funded by Social Security Administration, 10/87 - 9/88.

"Ready...Set...Retire! V.2" approximately $8,000 funded by IBM-Project Ezra Transfer Study, 2/88-12/88.

"Family Financial Decision Making" approximately $5,000 funded by IBM-Project Ezra, 9/8512/86.

Experiment Station Hatch Grants:

Measures of the Economic Well-Being of Rural and Metropolitan Older Persons, 1990-94.

A Study of Early Retirement Incentives in the New York State Employees Retirement System, 1983-85.

Changes in Financial Resources During Retirement, 1985-87.

Early Retirement Incentive Programs and Retirement Decision Making, 1990-92.

Outreach & Extension Resources

Keys to Vehicle Leasing, 1997-98. Consumer education materials including brochure, glossary, web pages.

Mutual Funds: Understand the Risks, 1995-96. Consumer and banker education program resources on nondeposit investment products sold through banks. Multimedia; some materials in Spanish.

Building an Understanding of Credit Services (BUC$),1993-95. A Peer-Volunteer Financial Education Program for Limited Resource Families. Trainer and Volunteer Leader notebooks cover basic budgeting, credit, community resources, family communication, working with learners, consumer rights & responsibilities; trainer notebook also includes program administration and leader training sections. Some materials in Spanish.

Get the Goods, Not the Garbage, 1994. A Waste Reduction Consumer Education Program for Limited Resource Families. Seven section teaching resource notebook includes background information, training outlines, ideas for learner lessons, activities and flipcards. Spanish & English.

More From Your Money, 1994 (1984). A resource management program for limited income families containing materials on financial management and food buying. Teaching package (audio tape, lesson plans, flipcards, worksheets) available in English and Spanish.

Building a Home Buyers' Educational Program, 1993. A Resource Notebook for Community Educators on Pre-Purchase Home Buying, available electronically on Internet and in hard copy. Five sections cover introduction of the materials, planning, delivering, and evaluating home buyer education programs, and an annotated reference listing of home buyer resources.

Family Budget Counseling Program., 1992. Multimedia package (training notebook, consumer materials, VHS video) for training volunteers to deliver financial management education. Contains materials on program management and 8 training sessions: values, goals, & communications; record keeping; basic budgeting; credit & debt; consumer rights & responsibilities; savings; local resources; and counseling skills.

Take Control of Your Finances, 1991(1984). A multi-media package (VHS video, slide/audiotape, script, teaching guide, worksheets, computer program and documentation) to help newly forming households set up a spending/savings plan.

Financial Fitness, 1991 (1986) Three part series targeted to limited resource audience. Titles include Shape Up Your Spending, Trim Your Credit Line, and Build Your Savings. Available in English and Spanish.

Money and Children, 1986. A multi-media package (transparency masters, teaching guide, fact sheets) to help parents and other adults teach children money management skills.

Personal Finance Templates, 1986. 12 spreadsheet applications such as size of emergency fund needed, credit decisions, amount of life insurance needed, financing college, financing retirement, evaluating savings alternatives.

Ready...Set...Retire! (Versions 1.0 and 2.0), 1987 & 1989. Developed programming algorithms and screen design, developed documentation, worksheets, and factsheets for educational computer program to help clientele estimate the amount of savings needed for a comfortable retirement. Teaching guide includes lesson outline, transparency masters, and background information for using fact sheets and computer program.

Time: A Precious Commodity, 1985. Bulletin in the Balancing Work and Family Life series, jointly authored with Christiann Dean, Human Development and Family Studies.

CEH TOPICS. Primary author on over 20 fact sheets on Financial Management, Saving and Investing, Credit, Loss of Income and Financial Problems, Money and Children, Retirement Planning, and Mortgage Decision-Making.

Consumer Close-Ups

Changes in the Financial Industry: Banking Deregulation and Beyond 1982/83-#2.

Pension Funds 1984:1

Assets in Retirement 1985:8

Consumer Choices in the Financial Services Industry 1987:7

The Shrinking Middle Class 1988-89: 6

Savings Patterns of Retirement Age Households 1990-91:1

Do Incentives Work? Household Waste Reduction Attitudes and Behaviors 1990-91:5

Waste Reduction and Limited Resource Households 1994-95:3

CEH News (department newsletter to county extension agents). Contributed articles on updates on financial industry legislation and regulation, tax planning, understanding and using economic data (CPI, unemployment data), risk management, computers and home management, variable rate loan regulations and credit availability, financial planning, and retirement planning.

Training &Inservice Education Presentations

Satellite Trainings

Putting Consumers in Charge: Credit Education Strategies (12/94)

Building a Home Buyers' Educational Program Satellite Conference (12/93)

Transition to Independent Living: Financial Management for Older & At-Risk Youth (10/92)

Housing in the 1990's (6/90)

Other Inservice/Training

Keys to Vehicle Leasing (10/97, 12/97)

Building an Understanding of Credit Services (BUC$) (10/95, 6/94,4/93, 9/92)

Home Buyer Education: Housing Counseling Programs for Low Income Families (3/95)

It's to Your Credit (3/95)

Get the Goods, Not the Garbage (5/94)

More From Your Money (5/94)

Insurance Issues (11/93)

Issue in Long-Term Care (10/93)

Women's Financial Information Program (1/93, 6/90)

Transition to Independent Living: Financial Management for Older & At-Risk Youth (6/92)

Using Computers in Adult and Youth Financial Management Programs (6/91)

Financial Management Programs Involving Volunteers (6/90)

Quality Caregiving & Financial Management (5/89)

Mortgage Alternatives (6/88)

Involving Volunteers in Financial Management Programs (6/87)

Computer Assisted Education in Financial Management (6/87)

Family Financial Management: Back to the Basics (3/87)

Financial Planning for Retirement (5/86)

Using Microcomputer Spreadsheets in Financial Management Programs (10/85, 5/86)

Savings and Investments (6/85)

Topics in Family Financial Management (3/83, 3/85)

The Computer as a Tool in Family Resource Management (6/84)

More From Your Money (EFNEP) (4/84)

Family Resource Management (3/84)

Money and Children (9/83)

Retirement Planning (6/83)

Consulting

Ithaca College Gerontology Institute. Developed and delivered workshop/training program, "Golden Years and Greenbacks," financial management issues for caregivers. March, 1995.

University of Kentucky. Developed and delivered retirement planning seminar. January, 1995.

New York State Governor's Office of Employee Relations. Developed & delivered training program for Employee Assistance Program Coordinators on financial management topics (budgeting, savings, credit & debt management retirement, home buying, working with financial advisors). 1992-93.

Cornell University. Office of the Provost. Developed and delivered retirement planning program specially targeted to Cornell Faculty. 1989-90, 1993-94.

New York State Office for the Aging. Assisted in material development and training for "Directions," a pre-retirement planning course for state employees. Materials used in selfteaching. Spring, 1986; Fall, 1987; Fall, 1991.

Alcan Aluminum Corporation. Consult with Personnel Department staff and employees regarding early retirement incentive offer. April, 1986.

National Association for Extension Home Economists. Taught post-conference workshop "Personal Financial Management" (continuing education credit) San Diego, Sept. 1985.

Connecticut Cooperative Extension Service. Plan, develop and deliver 2 day statewide training on financial planning, retirement planning, and financial products and services. May 1985.

Aid Association for Lutherans national training session in Washington, DC, "Women's Issues In Retirement Planning." July 1984.

Media Releases

Television appearances on CBS This Morning (National program, subject: financial management after retirement), Perspectives (Albany, NY, subject: bank deregulation), AM Buffalo (Buffalo, NY, subjects: retirement planning, money and children), WTEN Noon News (Albany, NY, subject: shopping for financial services), WCNY Good Afternoon (Syracuse, NY, subject: housing finances).

Cornell Consumer News Service. Contribute an average of 2 articles per month to news and feature service with state, regional and national circulation.

Consumer Information Network/Closer Look. Phone in radio news service, Cornell University.

Numerous commercial radio programs in Illinois, New York, and Washington, DC, resource for Kiplinger's Personal Finance Magazine, Money Magazine, Parent's Magazine.

Awards

Special Achievement Award, Board of Governors of the Federal Reserve System, 1997

Association for Financial Planning & Counseling Education Outstanding Educational Program Award for Mutual Funds: Understand the Risks, 1996

Community and Rural Development Institute, Cornell University, Innovator Award for Healthy Families Program, 1996

American Association of Family & Consumer Sciences Family Economics & Resource Management Education Award for Building an Understanding of Credit Services, 1995

Extension Service-United States Department of Agriculture Impact 2000 Award for Ready ... Set ... Retire!, 1993.

American Society of Agriculture Engineers Blue Ribbon Award, Educational Aids Competition for Home Buyers' Guide, 1992.

Gamma Sigma Delta Merit Award for Distinguished Extension Programs, 1990.

Epsilon Sigma Phi Superior Performance Awards

- North East Regional Team Award for Building Blocks for Toddlers, 1997

- Team Award for Building Blocks for Toddlers, 1996

- Tools for Teaching Award, 1991, 1994

- Team Award for NY FarmNet Program, 1988

- Extension employee with three years of service or less, 1986

New York State Home Economics Association Spotlight Award, 1987

Professional Affiliations & Service

American Council on Consumer Interests

Local arrangements co-chair, 1998 annual conference

M.S. thesis awards committee, 1996-97

Conference program co-chair, 1995 annual conference

Nominating Committee, 1994-96

President-elect/President/Past-President, 1991-94

Search committee chair for editor of Advancing the Consumer Interest, 1993-94

Member, Board of Directors, 1990-94

Planning committee for the Second International Conference on Research in the Consumer Interest 1987-1990

Applied Consumer Economics Award Committee, Chair, 1987-89

Conference paper reviewer, 1983-present

New York State and American Association of Family and Consumer Sciences

State Vice-President, Program 1986-88

Vice President for Program of Southern District 1984-86

President for Southern District, 1990-92

Gamma Sigma Delta

Cornell Chapter Historian, 1994-97

Extension Leadership

State leader for family resource management programs

Served on U.S.D.A. base program strategic planning committee

Serve on Experiment Station Committee on Policy--Social Sciences (T-5) Committee

Administrative Leadership

Acting Department Chair, January-June, 1989

Department Extension Leader. 1988-1992

University and college service, including service on Employee Benefits Advisory Committee, Student Financial Aid Committee, Cornell Traditions, College Field Study Committee, Nominating Committee.

Directed 7 M.S. theses and 2 Ph.D. dissertations

Phi Kappa Phi, Omicron Nu, Phi Upsilon Omicron

Editorial Committees: Journal of Extension, Advancing the Consumer Interest

Journal Reviewer for: Journal of Consumer Research, Journal of Family & Economic Issues, Journal of Consumer Affairs, Advancing the Consumer Interest, Financial Counseling & Planning

Community Service

Wesley United Methodist Church

At-large member of Administrative Board, 1997-2000

St. Paul's United Methodist Church

Board of Global Ministries, 1984-87; chair, 1984-1986

Finance Committee, 1987-90

Staff-Parish Relations, 1990-93

Endowment Policy Task Group chair, 1993

Board of Trustees, 1994-95; chair, 1995

North-Central New York Conference of the United Methodist Church

Conference Board of Pensions, 1992-95

Development Fund Committee, 1993-95

Wesley Foundation Board of Directors, 1985-1995

Co-president, 1986-87

President, 1987-89, 1991-95

Treasurer, 1990

Cornell University Master Swimmers, 1984-1995

Vice-president, 1986-87

President, 1987-88

Treasurer, 1988-89

Family and Children's Services of Tompkins County

Family Debt Counseling Board of Directors, 1988-90