The aim of this paper is to identify variables that affect the capability of an individual to earn and save income. Our hypothesis is that besides demographic and human capital determinants, social, cultural and psychological variables affect strongly the individual's earning and saving...

Rapid technological developments in online markets fundamentally change the relationship between consumers and sellers. Online platforms can now easily gather data about the consumer and his search behavior, that allow for price discrimination. Therefore the consumers' product search becomes a...

This Article considers the historical basis for the shift from defined benefit plans to defined contribution plans, the structural and practical shortcomings of defined contribution plans, alternate pension models, and adjustments to existing retirement plan models that may offer a degree of...

This is a doctoral dissertation. Personal financial planning is an interdisciplinary practice that draws many of its tools and techniques from the fields of finance, economics, law, taxation, and investment theory. The profession's body of knowledge is dominated by research devoted to these...

Tipping is a phenomenon that has been studied for many years, but is receiving increased attention in recent years. The magnitude of tips is very large - in the US, for example, tips in the food industry alone amount to about $42 billion each year, and tips are given in many other establishments...