This proceedings contains the texts of 5 invited papers and 28 refereed papers. The following are among the papers included: "Consumer Interest in the 1990's and Beyond" (Turner); "Esther Peterson and the Consumer Movement" (Galbraith); "The Public's Right to Government Information" (English); "Partnerships in Fighting Consumer Fraud" (Armstrong et al.); "Building Linkages in the Consumer Interest" (Schuchardt, Garman, Hogarth); "Retirement Decisions" (Hong, Yu); "Retirement Timing Decisions of American Men" (Kolodinsky, Avery, Pelch); "Confidence in a Financially Secure Retirement" (DeVaney); "Financial Preparation for Retirement" (Malroutu, Xiao); "Factors Affecting Human Capital Expenditures of Female-Headed Households" (Jang); "Do Marital Status and Presence of Children Affect Women's Wage Rate?" (Wang); "Impact of the Expanded Earned Income Tax Credit on Work Incentives for Welfare Recipients in North Carolina" (Walden); "Financial Knowledge and Behavior of Welfare Recipients" (Marlowe, Godwin, Maddux); "Wife's Employment and Food Expenditures Away from Home" (Jensen, Yen); "Welfare Analysis of Agricultural Policies Using Complete Demand Systems for Different Representative Households in the U.S." (Zuo, Chern); "Lifecycle, Financial and Attitudinal Characteristics of Charitable Donors" (Drollinger, Johnson); "Transaction Costs, Value Structures, and the Economic Organization of Marital Incomes" (Fletcher); "On Taking a Values-focused Approach to the Teaching of Consumer Economics" (Garman, Leech, Ellerbrock); "Protesting Food Price Rises in Retail Markets" (Friedman); "Consumerism in Korea" (Rhee, Lee); "Global Consumer Education" (MacGregor, Greenfield); "Cigarette Consumption in China" (Wang, Halbrendt, Jensen); "Are All Debts Created Equally?" (Godwin); "Determinants of Bank and Retail Credit Card Use" (Choi, DeVaney); "Households Showing Financial Characteristics of Potential Bankrupts" (Yieh, Widdows); "Trends in Environmental Marketing Claims Since the FTC (Federal Trade Commission) Guides" (Mayer et al.); "Consumer Activism to Secure Ecological Objectives" (Friedman); "Consumer Education for Limited Resource Families" (Hogarth, Harrison, Cascio); "Impact of Medicare HMOs (Health Maintenance Organizations) on Business, Private Consumers, and Government (Steiman, Reiboldt); "Portrayal of Children in Advertisements in Selected Magazines" (Hood et al.); "Housing Affordability" (Combs, Combs, Ziebarth); and "Household Demand System Analysis" (Fox). Also included are abstracts/descriptions of 12 refereed showcase and poster presentations; summaries of 10 panel, workshop, and invited paper sessions; and abstracts of 4 graduate student papers. (MN)