Background/Context: Prior research has stressed the importance of timing in the college choice process, especially as it relates to receiving early information and making plans and decisions. Little has been done, however, in terms of empirically demonstrating how soon students make their decisions about college and the ways in which the timing of…

"Time-based prospective memory" (PM) refers to performing intended actions at a future time. Participants with time-based PM tasks can be slower to perform ongoing tasks (costs) than participants without PM tasks because internal control is required to maintain the PM intention or to make prospective-timing estimates. However, external…

A robust anomaly in intertemporal choice is the delay-speedup asymmetry: Receipts are discounted more, and payments are discounted less, when delayed than when expedited over the same interval. We developed 2 versions of the tradeoff model (Scholten & Read, 2010) to address such situations, in which an outcome is expected at a given time but…

In this dissertation, I aim to clarify the factors affecting a consumers' choice between the Internet and a financial planner for making saving and investment decisions, based on household production theory. Moreover, I explore the likelihood of an individual being an Internet user (vs. a non-user), a financial planner user (vs. a non-user),…