Time-management strategies used by households with home-based work

A sample of 899 households in which at least one member is engaged in home-based work is used to analyze two time-management strategies used to respond to the demands of home-based work. Analyses reveal that, first, personal time is reallocated more than additional help is obtained for either the home-based work or household production and, second, that different strategies are used depending on whether the household manager is also the home-based worker. Respondents holding both roles report reallocating personal time more often than respondents who are not home-based workers; the reverse holds for obtaining additional help. The results suggest that households generating higher incomes in which home-based work is a full-time occupation are more likely to use time-management strategies than those in which incomes are lower and the home-based work is part-time.Journal Paper Number J-14861 Iowa Agriculture and Home Economics Experiment Station, Project Number 2857. This article reports results from the Cooperative Regional Research Project, NE-167, entitled, At-Home Income Generation: Impact on Management, Productivity and Stability in Rural and Urban Families, partially supported by the Cooperative States Research Service, U. S. Department of Agriculture, and the Experiment Stations at the University of Hawaii, Iowa State University, Lincoln University (Missouri), Michigan State University, Cornell University (New York), The Ohio State University, The Pennsylvania State University, Utah State University, and the University of Vermont. This article was accepted in 1992 under the editorship of Charles B. Hennon.Her current research work includes an analysis of family resource management in Mexico and of housing conditions in rural areas. She is also involved in the study of household members who work at home for pay and their associated management practices and coping strategies. She received her Ph.D. from The Pennsylvania State University in 1970.She received her M.S. from Iowa State University in May 1992. This paper is based on her M.S. thesis.Her current research interests include household asset and debt formation, working families and employers' benefits, and home-based employment. She received her Ph.D. from Purdue University in 1978.Her current research work includes such topics as divorce settlements, at-home income generation, and management practices of households engaged in home-based employment. Her Ph.D. degree was received from Cornell University in 1978.     

Domains explaining the life quality of dairy farm couples

The purpose of the study reported here is to identify domains which explain the life quality of dairy farm husbands and wives. A further purpose is to identify domains which would explain life quality when the domain unique to farming is deleted. One hundred sixteen dairy farm couples were interviewed in 1986, when a financial crisis in agriculture had reached the western states. The analysis is done by stepwise regression. Satisfaction with farm work is an important explanation of husbands' and wives' life quality. When farm work is omitted from the equations, satisfaction with self is among important domains explaining life quality.Research reported in this paper was partially funded by the Utah Agricultural Experiment Station, Utah State University, Logan, UT.Norleen M. Ackerman received her Ph.D. from Michigan State University. She is an Assistant Professor, Department of Home Economics and Consumer Education, Utah State University, Logan, UT 84322-2910. Her research interests include the well being of farm families, consumer information, and consumer purchase behavior.Glen O. Jensen received his Ph.D. from Utah State University. He is a Professor in the Department of Family and Human Development, Utah State University, Logan, UT 84322-2905. His research interests include the rural family, teen pregnancy, and marriage enrichment.DeeVon Bailey received his Ph.D. from Texas A & M. He is an Associate Professor, Department of Economics, Utah State University, Logan, UT 84322-3530. His research interests include economic issues related to farm families, agricultural marketing and farm efficiency.     

Effects of relative advantage on time use in farm families

An assumption of comparative advantage (CA) is that all members in efficient households specialize in market or household work. The CA for Oregon farm households was measured by differences between husbands and wives in wages and schooling for nonfarm work, and in farm decision-making responsibility and years lived on a farm for farm work. The spouse with the advantage is assumed to spend more time in that work sector and less time in household work than his (her) spouse. The hypothesis is supported for market work. For farm decision making, results are consistent with the hypothesis but not significant. Years lived on a farm is consistent for husbands, but wives who have the CA do significantly less farm work than wives of men who hold the CA. Experience may not be a good measure of CA, or perhaps farm work provides process satisfaction to farm men (and their wives) who work longer hours.She directs the Family Resource Management Graduate Program. Her research interests center on concepts and measures of management, household work, and well-being in the United States and across cultures.His current research interests include family saving and investing behavior. He received his Ph.D. from Oregon State University in 1992. This research was funded by the Oregon Agricultural Experiment Station.     

Time use satisfaction of wives: Home,farm, and labor force workload

Factors related to time spent in work roles are investigated for a sample of 685 wives living on family farms in seven southern and midwestern states. Data were collected in a comprehensive mail survey. Results show that variables reflecting management are the most important predictors of wife's time use satisfaction. Wife's satisfaction is also significantly related to her education and nonfarm employment. Conclusions indicate that, although wives on family farms experience work-role overload relative to their husbands, they are satisfied with their time contributions to the home/farm situation.Jeanne L. Hafstrom is Associate Professor, Consumer Sciences Division, University of Illinois, 161 Bevier Hall, 905 So. Goodwin, Urbana, IL 61801. She received her Ph.D. from the University of Illinois. Her current research interests include economic well-being and the quality of life.MaryAnn Paynter is Assistant Professor and Family Economics Extension Specialist, Consumer Sciences Division, University of Illinois, 547 Bevier Hall, 905 So. Goodwin, Urbana, IL 61801. She received her Ph.D. from Pennsylvania State University. Her current research interests include family resource management strategies.This study was part of S-191 Regional Research Project Farm Wife's External Employment, Family Economic Productivity and Family Functioning, and Project No. 60-0366 supported by the Agricultural Experiment Station, College of Agriculture, University of Illinois at Urbana-Champaign.     

Home-based workers: Worker and work characteristics

The purpose of the study reported here is to describe the worker and work characteristics of 899 home-based business owners and wage earners, using a definition that excludes farmers, hobbyists, and persons taking work home from a job located elsewhere. Contrary to predictions by futurists of an influx of white-collar workers from the office to home, the home-based workers in this research are more likely to be marketing and sales persons, contractors, or mechanical and transportation workers. Full- or part-time employment status, home tenure, seasonality of work, and occupation are significantly associated with ownership status. Findings show significant group differences on age, education, years in the community, household size, and net annual home-based income. Business owners, on average, are older, have less education, come from larger households, have lived in their communities more years, and have lower net annual home-based incomes than their wage earner counterparts.This article reports results from the Cooperative Regional Research Project, NE-167, entitled, At-Home Income Generation: Impact on Management, Productivity and Stability in Rural and Urban Families, partially supported by Cooperative States Research Service, U.S. Department of Agriculture and the Experiment Stations at the University of Hawaii, Iowa State University, Lincoln University (Missouri), Michigan State University, Cornell University (New York), The Ohio State University, The Pennsylvania State University, Utah State University, and University of Vermont. Appreciation is expressed to Ana Marie Vargas and Johnny M. H. On for their assistance with the computer analyses, and to Florence Abe, Laraine Hoffman, and Meesok Lee for their help in the final preparation of this article. The authors acknowledge the patience and helpful suggestions of two anonymous reviewers.Her current research interests include home-based employment, multiple farm income families, and computer-based education. She received her Ph.D. from Oregon State University.Her current research interests include home-based employment, economic adjustments of farm families, and the interrelationship of management to an individual's quality of life. She received her Ph.D. from Purdue University.Her primary areas of research are rural households, the impact of employment on a family, learning theories as applied to financial education, retirement, and home-based employment. She received her Ph.D. from The Pennsylvania State University.     

Stress in two-generation farm and ranch families

Family relations and economic issues may predict stress in two-generation farm families. Marital adjustment, length of time married, income satisfaction, and number of household dependents are examined as predictors of stress for each family member (i.e., separately for each member) using multiple regression analyses. The model is significant for fathers with marital adjustment, length of time married, and income satisfaction significantly contributing to fathers' stress. The model is not significant for mothers, sons, or daughters-in-law; but income satisfaction is significantly related to stress for mothers. Implications for researchers and practitioners are discussed.Support for this research was provided by the Montana Agricultural Experiment Station Grant No. MONB00266 and is part of the AES Western Regional Project W-167.Stephan M. Wilson is an Associate Professor in the Department of Family Studies and is the Director of the Center for Kentucky Children & Families Research, University of Kentucky, 107 Erikson Hall, Lexington, Kentucky 40506-0050. His research interests include family stress, rural families, parent-adolescent relations, and adolescent development. He received his Ph.D. from the University of Tennessee, Knoxville in 1985.Ramona Marotz-Baden is a Professor, Department of Health and Human Development, Montana State University, Herrick Hall, Bozeman, MT 59717. Her research interests include family stress, work and the family, retirement and succession in family-owned business, and dual-earner families. She received her Ph.D. from the University of Minnesota in 1970.David Holloway is the Outreach Coordinator for Aspen Crest Hospital, 1970 East 17th Street, Suite 119, Idaho Falls, ID 83404. His interests include marriage and family therapy, parent-child relations, and family development through the lifespan. He received his M.S. in Marriage and Family Therapy from Montana State University in 1987 and M.Ed. in Guidance and Counseling from the University of Idaho in 1985.     

The roles of role strain,economic resources and time demands in explaining mothers' life satisfaction

Time diary and questionnaire data from mothers who are full-time homemakers, members of dual-earner households, and heads of single-parent households are analyzed to determine the influence of family structure, economic resources, and time demands on their life satisfaction. The multivariate analysis reveals that family structure is moderately related to mothers' satisfaction with progress in life but not to satisfaction with life as a whole. Mothers' satisfaction with life as a whole does vary with their life cycle stage, economic situation, and their use of time.Her research interests include time use of household members and CADD education for interior design students. She received her Ph.D. from Michigan State University.Her research assesses the impact of household composition changes on economic well-being. She received her Ph.D. from Cornell University.     

The role of perception in the intention to change the family financial situation

The study investigates factors associated with the individual intentions to change the family financial situation of 337 farm respondents. The hypotheses are that intentions to change are influenced by (a) resource flexibility or constraints existing at the time of the decision situation, including off-farm employment, education, age, and household size, and (b) perceptual factors of perceived income adequacy, locus of control, degree of discrepancy between standard and level of the family financial situation, and dissatisfaction or satisfaction with the discrepancy. Older respondents and those experiencing more external control are less likely to intend to change. Younger respondents and those who perceive their incomes as more adequate are more likely to perceive that they have control over their situation. The lower the perceived income adequacy, the greater the discrepancy between standard and level of the family financial situation and the lower the satisfaction with the discrepancy. Significant indirect effects were consistent with theoretical expectations.Research was supported by the Minnesota Agricultural Experiment Station Projects 52-055, 52-054, and 52-058 and the Minnesota Extension Service. The authors wish to thank Jean W. Bauer, Ph.D., for research collaboration and Susan Keskinen and Cathy Schultz for research assistance.Her research interests include social, economic, and technical decision processes, discrepancies between standards and levels, and the interrelationship of work and family roles, particularly for farm women. Her Ph.D. is from Iowa State University.Her research interests in family resource management theory include social decision making processes and social decision rules, family life quality, and the economic consequences of divorce. Her Ph.D. is from Michigan State University.     

Time demands on families: Is there a bottom line?

As families continue to adapt to interpersonal and marketplace pressures, time available for household production is becoming scarce. The purpose of the study reported here is to explore the utility of regional economic analyses in determining minimal levels of household production as measured in terms of time. The results provide a minimum family time required in the long term of approximately 35 hours per week and a short term requirement of 2 hours per week. Theoretical frameworks used in family science are integrated in the discussion to explain these findings.Pamela N. Olson is an Assistant Professor in the Department of Counseling and Family Studies, University of New Mexico, Albuquerque, NM 87131. Her current research interests are family member time-use and families in debt. She completed her Ph.D. at Oregon State University.James J. Ponzetti, Jr. received his Ph.D. from Oregon State University. He is currently an Assistant Professor in Family Studies in the Department of Home Economics, Central Washington University, Ellensburg, WA 98926. His current research interests include divorce, loneliness, and family planning.Geraldine I. Olson is Associate Professor and Graduate Program Director, Family Resource Management, College of Home Economics, Oregon State University, Corvallis, OR 97131. She completed her Ph.D. at The Ohio State University and current research interests include family member time-use, assessing managerial activities, and factors which influence the substitution of marketplace goods with household production.     

The effect of homemaker's employment status on children's time allocation in single- and two-parent families

This study compares the effect of homemaker's employment status on children's time allocation in single- and two-parent families. Specifically under investigation is the effect of living in a family in which the mother is employed professionally, employed non-professionally, or not employed outside the home on older child's time allocated to household work, school work, and recreation in single- and two-parent families. Age and sex of older children and constraints on their time, such as school attendance, are controlled for in the analysis. The data are from a California study. A two-step multiple regression procedure is used. The effect of homemaker's employment status on older child's time allocated to household work, school work, and recreation is not found to differ by family structure. Homemaker's employment status does not explain a significant amount of variance in older child's time allocation.Rosemary J. Key is Assistant Professor, Department of Consumer Economics and Housing, Cornell University, 103 Martha Van Rensselaer Hall, Ithaca, New York 14850. Her research interests include substitutability between family members' time in household production, and sequencing techniques used in household production activities. She received her Ph.D. from The Ohio State University.Margaret Mietus Sanik is Associate Professor, Department of Family Resource Management, The Ohio State University, 1787 Neil Avenue, Columbus, Ohio 43210. Her research interests include time use among family members and household production. She received her Ph.D. from Cornell University.     

Use of time and preferences for time allocation among urban,employed, married women

This study examines the relationship between employed wives' preferences for household production time, employment time, leisure, and their actual time use. A random sample of 235 employed, married women estimate their time use on an average weekday and weekend day in 13 activities and indicate their preferences for time in those activities. Hierarchical multiple regression procedures are used to examine the relationships between actual and preferred time use. Weekday employment time is not related to preferences for more or less time in household production but wives allocating more time to employment want to spend less time at that employment and more time in leisure. Weekend employment time is related to preferences for more time in leisure, child care, and other household work. Time spent performing household work is not related to preferences for more or less time in any activity except the desire for more leisure time on weekends.Ann Renigar Hiatt is Assistant Professor in the Department of Human Services, College of Education and Allied Professions at the University of North Carolina at Charlotte, Charlotte, NC 28223. Her research interests include employed women's time allocation, time pressures, and use of time management strategies. She received her Ph.D. from the University of North Carolina at Greensboro.Deborah D. Godwin is Associate Professor in the Department of Housing and Consumer Economics at the University of Georgia, Athens, GA 30602. Her research has focused on husbands' and wives' time allocation to household production, the effects of women's employment on family economic functioning, and family financial management. She received her Ph.D. from the University of North Carolina at Greensbore.     

The utilization of child care by households engaged in home-based employment

A logit procedure is used to examine the factors associated with the likelihood of using child care services among a sample of households with both a home-based worker and a child designated as needing care. Being a single-parent, having high family income, and the presence of a two-year old child are positively associated with the likelihood of using child care. Being an older worker, having a child who is one year or less or children who are 11 to 12 years, and having a less professional occupation decreases the likelihood of using child care. Self-employment decreases the likelihood of usage; owning a business that hires employees or services increases the likelihood of usage. The major conclusion is that home-based work may be a coping strategy for some child care needs, but home-based working households often need and use child care.This article reports results from the Cooperative Regional Research Project, NE-167, entitled, At-Home Income Generation: Impact on Management, Productivity and Stability in Rural/Urban Families, partially supported by the Cooperative States Research Service, U. S. Department of Agriculture and the Experiment Stations at the University of Hawaii, Iowa State University, Lincoln University (Missouri), Michigan State University, Cornell University (New York), The Ohio State University, The Pennsylvania State University, Utah State University, and the University of Vermont. Authors are listed in descending order of their contributions to this research paper. Appreciation is expressed to Frank Chiang for the computer assistance needed to complete these analyses. Patsy Sellen was instrumental in formatting and stylizing this article to required guidelines.Her current research interests include household asset and debt formation, working families and employers' benefits, and home-based employment. She received her Ph.D. from Purdue University in 1978.Nancy C. Saltford, has recently been a Visiting Scholar at the Employee Benefit Research Institute, a public policy research organization in Washington D.C. where she specialized in employer policies for working families. Her Ph.D. was received from Purdue University in 1971.Her research interests include the economics of divorce and at-home income generation. She received her Ph.D. from Oregon State University in 1986.Her primary areas of research are rural families, household production, family time use and its meaning, and the interactive aspects of managerial, productive and affective functions of families. She received her Ph.D. from the University of Missouri-Columbia in 1983.     

The value of the second income to two-earner families with children

An increasing number and percentage of families in the United States endeavor to improve family income by placing two adults in the paid work force. This study examines the impact of the second earner on family income for 1,624 married-couple families with children, including 871 one-earner and 753 two-earner families. After-tax income is regressed on one- or two-earner status as well as covariates which confound the income-earner relationship for families of various income levels. The actual after-tax income differential of $7,172 is reduced to $6,076 in the regression analysis. Further, income for each family type is estimated by applying the regression coefficients from one-earner households to the characteristics of two-earner households and the regression coefficients from two-earner households to one-earner household characteristics. Actual incomes for two-earner families are found to be higher than those of one-earner families. However, income differences are reduced from 34% higher actual before-tax income to an estimated 14% lower after-tax income. The findings have important implications for families selecting two earners solely for the purpose of increasing after-tax income.This study received funding from the Graduate School Fund at Northern Illinois University. An earlier version of this paper was presented at the Family Economics/Home Management Conference, Indianapolis, IN, June 1987.Mary Pritchard is an Assistant Professor, Department of Human and Family Resources, Northern Illinois University, DeKalb, IL 60115. She received her Ph.D. from Purdue University and includes family economic well-being, family income and expenditures, and spending patterns of adolescents among her research interests.     

Female-headed households in nonmetropolitan areas: Housing and demographic characteristics

This article describes selected demographic and housing characteristics of nonmetropolitan female-headed households. It compares nonmetropolitan female householders with the average U.S. household, including regional differences. Female heads are older and more likely to have members in poor health than U.S. households on average. Female heads are also more likely to be in poverty and to experience housing poverty. Although the female householders do not suffer from space and quality problems, housing affordability is a problem. Most female heads live in owned, single-family dwellings and are more likely to live in mobile homes than the average U.S. household. This research was funded under the auspices of the U.S. Department of Agriculture, Cooperative State Research Service, and the experiment stations in Idaho, Indiana (Purdue University), Iowa, Minnesota, Missouri, Nebraska, and New York (Cornell University). Also supporting the research were East Carolina University, Illinois State University, Kansas State University, and Western Michigan University. The authors thank Mary Ann Horvath and Roxanne Miller for their assistance in preparing the figures and document. She received her Ph.D. from Oklahoma State University. Her work includes research in housing and the economic well-being of women. She received her Ph.D. from The Ohio State University. Her research interests include housing and neighborhood assessment and women and public policy issues.     

Unmet service needs of families of young children with chronic illnesses and disabilities

Data about health and educational services were collected from 187 families with young children (under two years) who have chronic illnesses and disabilities. The purpose was to assess parents' satisfaction with services their families received and to identify families' unmet service needs as well as the reasons for these unmet needs. Although families' ratings of the adequacy of services are relatively high, 28% of the families report unmet service needs. The unmet needs most often reported are occupational, physical, or speech therapy; respite care/child care; and special education. Lack of funding is the most commonly given reason for unmet needs. Children with multiple impairments are at highest risk for unmet needs. Only 22% of unmet needs reported at the initial interview have been met by the time of the six-month follow-up. Increased coordination and monitoring of services across service sectors are indicated. Her research interests include the effects of disability on family identity and families' responses to minority stress. She received her Ph.D. from the University of Minnesota. She gratefully acknowledges Shelley Blazis and Nadav Casuto for statistical consulting. Her research interests focus on the impact of chronic illness and disability on families. She received her Ph.D. from the University of Minnesota. Her research interests include families and health and chronic illness and disability in children. She received her Ph.D. in Family Social Science at the University of Minnesota. His areas of interest include neurodevelopmental outcomes of low birth weight infants and training in developmental pediatrics. He was graduated from the University of Minnesota Medical School. His areas of interest include adolescents with chronic illness and disabilities, adolescent sexual decision making, and international adolescent health care issues. He was graduated from Howard University College of Medicine was awarded his earned doctorate in Health Policy from the University of Minnesota. Preparation of this article was supported by the National Institute on Disability and Rehabilitation Research Grant #H133890012.     

Building family functioning scales into the study of at-home income generation

This article describes testing of scales designed to measure the ways family members interact in a personal subsystem. The scales are intended to complement data about the managerial subsystem of a family and are to be used in conjunction with a regional research project focused on home-based work. The article includes conceptual underpinnings, construction of measures, and results of factor analysis of the measures administered. Suggestions for use of a family functioning scale in the context of a household that has a member working at home are explored in the final section.This article reports results from the Cooperative Regional Research Project, NE-167, entitled, At-Home Income Generation: Impact on Management, Productivity and Stability in Rural and Urban Families, partially supported by Cooperative States Research Service, U.S. Department of Agriculture, and the Experiment Stations at the University of Hawaii, Iowa State University, Lincoln University (Missouri), Michigan State University, Cornell University (New York), The Ohio State University, The Pennsylvania State University, Utah State University, and the University of Vermont.Her research interests include measuring household production, at-home income generation and rural families. She received her Ph.D. in Family and Consumer Economics from the University of Missouri-Columbia.Her research is primarily in poverty and divorce and the economic well-being of women and children. She received her Ph.D. from Oregon State University.Her research interests include entrepreneurship, especially as it relates to women and to international development. Her Ph.D. is from Cornell University.     

Perceived stress among nonmetropolitan Utah residents

This article examines relationships between perceived stress and variables such as life events, differential economic satisfaction, health problems, and sociodemographic characteristics among respondents in three nonmetropolitan areas in Utah. The three most predictive factors related to perceived stress are economic satisfaction, life events experienced, and religion. The analysis shows an inverse partial relationship between perceived stress scores and economic satisfaction, and a positive partial relationship between the number of life events and perceived stress. Non-Mormons report higher levels of stress than Mormons. A positive but weak relationship is observed between stress and household size. Weak inverse relationships are observed between stress and a measure of household unemployment, income, and respondent's sex.Richard S. Krannich received his Ph.D. from Pennsylvania State University. He is an Associate Professor of Sociology, and Director of the Institute for Social Science Research on Natural Resources, Utah State University, Logan, UT84322-0730. His research interests include rural development processes, community change, and social responses to natural resource developments.Pamela J. Riley received her Ph.D. from Washington State University. She is currently an Associate Professor, Department of Sociology, Utah State University, Logan, UT 84322-0730. Research interests include rural family stress, the impacts of tourism on developing countries, and social aspects of on-farm water management.Ann Leffler is an Associate Professor of Sociology and Director of the Liberal Arts and Sciences Program, Utah State University, Logan, UT 84322-0730. Research interests include nonmetropolitan family stress. She received her Ph.D. from the University of California at Berkeley.     

Home-based employment: Historical and current considerations

The purposes of this article are threefold. First, there is a brief review of current and historical research on home-based business with special emphasis on female home-based employment and the impact of such employment on family life. Second, a conceptual model for family work activities is advanced. Finally, concepts related to home-based employment that could be used to frame and describe the empirical study are specified.This article reports results from the Cooperative Regional Research Project, NE-167, entitled At-Home Income Generation: Impact on Management, Productivity and Stability in Rural/Urban Families, partially supported by the Cooperative States Research Service, U. S. Department of Agriculture and the Experiment Stations at the University of Hawaii, Iowa State University, Lincoln University (Missouri), Michigan State University, Cornell University (New York), The Ohio State University, The Pennsylvania State University, Utah State University, and the University of Vermont.Her research interests include measuring household production, at-home income generation, and rural families. She received her Ph.D. in Family and Consumer Economics from the University of Missouri-Columbia.Her research interests include home-based business and consumer behavior. She received her Ph.D from Virginia Polytechnic Institute and State University.Her research interests include consumer behavior and family economic issues. She received her Ph.D. from Virginia Polytechnic Institute and State University.     

Managing work and family in home-based employment

Two 10-item scales, one describing the management of the home-based work and the other, the management of the family work, were administered to a sample of household managers who are also the home-based worker. Scale items are designed to assess dimensions of input, planning, implementing, and output.T-tests are used to compare the means of the individual items and the scale means. Confirmatory factor analysis is used to assess whether the factoring of the scale items support the theoretical framework. Scores are higher for the management of the home-based work than for the management of family work. Although both scales are highly reliable, the items in the home-based work scale factor clearly into the dimensions of standard setting and controlling. One interpretation may be that, given a choice, the dual-manager may choose to consciously organize the paid work instead of the family work.This paper reports results from the Cooperative Regional Research Project, NE-167, entitled, At-Home Income Generation: Impact on Management, Productivity and Stability in Rural/Urban Families, partially supported by the Cooperative States Research Service, U.S. Department of Agriculture and the Experiment Stations at the University of Hawaii, Iowa State University, Lincoln University (Missouri), Michigan State University, Cornell University (New York), The Ohio State University, The Pennsylvania State University, Utah State University, and the University of Vermont. Appreciation is expressed to Frank Chiang at Cornell University and Young Rae Oum at Iowa State University for the computer assistance needed to complete this research article. Patsy Sellen was instrumental in formatting and stylizing this paper to required guidelines.Her current research interests include household asset and debt formation, working families and employers' benefits, and home-based employment. She received her Ph.D. from Purdue University in 1978.Her current research work includes an analysis of family resource management in Mexico and housing conditions in rural areas. She is also involved in the study of households who work at-home for pay and their associated management practices and coping strategies. She received her Ph.D. from Pennsylvania State University in 1970.Her current research work includes such topics as divorce settlements, at-home income generation and management practices of households who are engaged in home-based employment. Her Ph.D. was received from Cornell University in 1978.