Other findings: In today's current crises in the housing and gas markets, 40 percent of Americans indicated they're less likely to make purchases over $100 in the coming year, 24 percent more than after 9/11.

Twenty-seven percent of adults indicated they look for information in advertising inserts as part of making a purchase decision. That's up from 19% ten years ago according to a new study by Vertis Communications. Television advertising is no longer the main influencer in purchasing decisions, according to Vertis. TV ads are now the main influencer for 8% of consumers, compared to 22% in 1998.

Other research findings indicate that women have become more involved in the decision making process for purchasing home electronics products. In 1998 about 69% of women 18 to 24 participated in such decisions, but as of this year 91% report being part of the process, says Vertis.

The report, Vertis' Customer Focus: Decade of Data study revealed that for adult men 18 and older, TV advertising is no longer the main influencer in their purchasing decisions, down 8 percent from 1998 to 22 percent.

Advertising inserts have grown to become the most influential medium for both adult men and all adults in America. Twenty-four percent of men and 27 percent of total adults indicated they turn to this medium when making a purchasing decision, compared to just 16 percent and 19 percent, respectively, 10 years ago.

The Customer Focus: Decade of Data study, which surveyed 3,000 consumers via telephone, further revealed the following:

-  In 2008, 91 percent of women ages 18-24 report they are a part of the process, with cell phones, desktop computers and digital cameras being some of the most popular purchases for this age group

-  68 percent of women age 50 and older now have access to the Internet, up from 30 percent in 1998

-  In the past 10 years, the percentage of women ages 25-34 who are single or living with their significant others has increased from 30 percent in 1998 to 38 percent in 2008

- In 2004, 31 percent of adults indicated they entered a store without any prior research; this number is down to 17 percent in 2008. Prior to entering a store in 2008, the study indicates approximately 57 percent of adults will look through advertising circulars, 50 percent will conduct research on the Internet, and 38 percent will utilize catalogs to retrieve additional information

-  In today's current crises in the housing and gas markets, 40 percent of Americans indicated they're less likely to make purchases over $100 in the coming year, 24 percent more than after 9/11