You examine the schedule for your favorite soccer team. the team plays sixteen games each season. later, you try recalling that schedule for a friend who likes the same team you do. chances are, you will recall opponents at the beginning of the schedule particularly well. this is an example of the effect.

Retirement investment advisors, inc., has just offered you an annual interest rate of 4.4 percent until you retire in 40 years. you believe that interest rates will increase over the next year and you would be offered 5 percent per year one year from today. if you plan to deposit $13,000 into the account either this year or next year, how much more will you have when you retire if you wait one year to make your deposit?