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Consumer Economics: Issues and Behaviors
by Elizabeth B. GoldsmithFrom artificial intelligence to identity theft, from what we once thought of as unshakeable institutions to increasing concerns about privacy and sustainability, consumer issues are an integral part of daily life. This updated fourth edition of Consumer Economics offers students an accessible and thorough guide to the concerns surrounding the modern consumer and brings to light the repercussions of making uninformed decisions in today’s global economy. This definitive textbook introduces students to these potential issues and covers other key topics including consumer behavior, the history of the consumer movement, personal finance, legal rights and responsibilities, and marketing and advertising. Combining theory and practice, students are introduced to both the fundamentals of consumer economics and how to become better-informed consumers themselves. Highlights in this new edition include the following: New case studies and critical thinking projects to encourage students to develop their critical thinking skills through analyzing consumer issues. Expanded coverage of social media and the impact of social influence on consumers. Revised consumer alerts: practical advice and guidance to help students make smart consumer decisions. A companion website with PowerPoint slides for each chapter. Fully updated, this textbook is suitable for students studying consumer sciences—what works, what does not, and how consumers are changing.
Consumer Economics: Issues and Behaviors
by Elizabeth B. GoldsmithFrom identity theft to product recalls, from what we once thought of as unshakeable institutions to increasing concerns about sustainability, consumer issues are an integral part of modern life. This fully updated third edition of Consumer Economics offers students an accessible and thorough guide to the concerns surrounding the modern consumer and brings to light the repercussions of making uninformed decisions in today's economy. This definitive textbook introduces students to these potential issues and covers other key topics including consumer behavior, personal finance, legal rights and responsibilities, as well as marketing and advertising. Combining theory and practice, students are introduced to both the fundamentals of consumer economics and how to become better-informed consumers themselves. Highlights in this new edition include: New Critical Thinking Projects feature to encourage students to develop their critical thinking skills through analysing consumer issues. Expanded coverage of social media and the impact of social influence on consumers. Revised Consumer Alerts: practical advice and guidance for students to make smart consumer decisions. A new Companion Website with a range of presentation materials and exercises related to each chapter. Fully updated throughout, this textbook is suitable for students studying consumer sciences - what works, what doesn't, and how consumers are changing.
Consumer Economics: Issues and Behaviors (Second Edition)
by Elizabeth B. GoldsmithThis book provides an understanding of how the marketplace works, what our role is in it, and how our choices affect our lifestyles.
Consumer Economics: A Practical Overview
by Steven Dale SoderlindThis work focuses on the service economy, it introduces the fundamentals of markets, consumer choice, financial assessment, risk avoidance, and other topics.
Consumer Economics and Personal Finance
by John Burton Sharon Franklin Barbara Littman Robert Mayer Mary Herd Tull Diane WildeThe first step in taking charge of your financial life is to figure out who you are.What are your talents and skills? What are you interested in? What are your values? What type of personality do you have? How do you learn best? Setting goals for yourself, both short-term and long-term goals, will help you decide what's important in life.You will be more likely to achieve your goals if they are: your own goals, realistic, stated in a positive way, reachable in a specific period of time, and shared with someone you trust.
Consumer Education: A Handbook for Teachers (Routledge Library Editions: Consumer Behaviour)
by Marion GiordanEducation in consumer affairs has become increasingly important in recent years with the growth of consumer societies in many parts of the world. This practical handbook is a guide to teachers on the various aspects of the field; it looks at the consumer world in its political, social and economic context, describing how teachers have approached some of the subjects discussed in the book in class. Although based on the UK experience, it contains many references to global consumerism.
Consumer Engagement in the Cultural Sector: Museums and Science Centres (Routledge Studies in Central and Eastern European Business and Economics)
by null Magdalena Kosiada-Sylburska null Paweł BryłaThe essence of the book is to investigate the forms, benefits and limitations of engaging consumers in the development of cultural institution offerings. It aims to identify methods for culture product development with consumer engagement, in particular concerning exhibition and educational activities of cultural institutions. The volume provides an extensive literature review of issues related to market orientation, customer centricity, consumer engagement and co-creation of products and services, with an emphasis on the specificity of the cultural sector.The authors conduct research to capture different perspectives on consumer engagement, including those of consumers themselves, managers responsible for designing the offer and cultural institution employees. They identify forms, success factors of and barriers to involving consumers (visitors) in the development of museum offerings. The combination of quantitative and qualitative research methods provides novel and valuable insights into the phenomenon under study. This book will be of interest to scholars interested in culture marketing and consumer behaviour, as well as managers of museums, science centres and other cultural institutions.
Consumer Engineering, 1920s–1970s: Marketing between Expert Planning and Consumer Responsiveness (Worlds of Consumption)
by Jan Logemann Gary Cross Ingo KöhlerIn the middle of the twentieth century, a new class of marketing expert emerged beyond the familiar ad men of Madison Avenue. Working as commercial designers, consumer psychologists, sales managers, and market researchers, these professionals were self-defined “consumer engineers,” and their rise heralded a new era of marketing. To what extent did these efforts to engineer consumers shape consumption practices? And to what extent was the phenomenon itself a product of broader social and cultural forces? This collection considers consumer engineering in the context of the longer history of transatlantic marketing. Contributors offer case studies on the roles of individual consumer engineers on both sides of the Atlantic, the impact of such marketing practices on European economies during World War II and after, and the conflicted relationship between consumer activists and the ideas of consumer engineering. By connecting consumer engineering to a web of social processes in the twentieth century, this volume contributes to a reassessment of consumer history more broadly.
Consumer Ethnocentrism, Country of Origin and Marketing: Food Market in Poland (Routledge Studies in Marketing)
by Paweł Bryła Tomasz DomańskiCountry of origin and consumer ethnocentrism are evolving constructs as consumers’ perception of country, state, or region changes over time. Understanding consumer motivations and attitudes towards a country and its products can provide valuable insights for marketing strategies. This book explores the phenomena of consumer ethnocentrism and country-of-origin effect on the food market using examples from Polish retailers. The book aims to determine how appeals to the domestic or foreign country-of-origin provided through claims, symbols, labels, and quality signs can affect consumer attitudes and food purchase intentions as well as to contextualise consumer behaviour issues in the broader picture of the entire system of food production and distribution. The reader will gain a comprehensive understanding of consumer ethnocentrism and country-of-origin effect on the food market based on a series of original research studies conducted in Poland. The combination of quantitative and qualitative research methods provides novel and valuable insights into the phenomena under study. Based on original research, this innovative volume will be a valuable resource for consumer behaviour, food marketing, and international marketing scholars and students.
Consumer Expectations: Micro Foundations and Macro Impact
by Richard Thomas CurtinRichard Curtin has directed the University of Michigan's consumer sentiment surveys for more than four decades. His analyses of recent trends in consumer expectations are regularly covered in the worldwide press. In this book, Curtin presents a new theory of expectations. Whereas conventional theories presume that consumers play a passive role in the macro economy, simply reacting to current trends in incomes, prices, and interest rates, Curtin proposes a new empirically consistent theory. He argues that expectations are formed by an automatic process that utilizes conscious and nonconscious processes, passion and reason, information from public and private sources, and social networks. Consumers ultimately reach a decision that serves both the micro decision needs of individuals and reflects the common influence of the macro environment. Drawing on empirical observations, Curtin not only demonstrates the importance of consumer sentiment, but also how it can foreshadow the cyclical turning points in the economy.
Consumer Financial Dispute Resolution in a Comparative Context
by Shahla F. AliNearly all major global financial centres have developed systems of consumer financial dispute resolution. Such systems aim to assist parties to resolve a growing number of monetary disputes with financial institutions. How governments and self-regulatory organizations design and administer financial dispute resolution mechanisms in the context of increasingly turbulent financial markets is a new area for research and practice. Consumer Financial Dispute Resolution in a Comparative Context presents comparative research about the development and design of these mechanisms in East Asia, North America and Europe. Using a comparative methodology and drawing on empirical findings from a multi-jurisdictional survey, Shahla Ali examines the emergence of global principles that influence the design of financial dispute resolution models, considers the structural variations between the ombuds and arbitration systems and offers practical proposals for reform.
Consumer Financial Vulnerabilities in Malaysia: Issues, Trends and Psychological Aspects (Routledge Advances in Management and Business Studies)
by Nurul Shahnaz Ahmad Mahdzan Mohd Edil Abd Sukor Izlin Ismail Mahfuzur RahmanThis book examines four aspects of Malaysian consumers’ financial vulnerabilities. First, it discusses the issue of over-indebtedness due to excessive reliance on consumer financing. Second, the book investigates why Malaysians are ill-prepared for their golden years in terms of retirement planning and savings. Third, it delves into the problem of financial fraud victimisation among Malaysian consumers. Fourth, the book analyses the reasons why Malaysians are underinsured despite the distinct benefits of life insurance. Drawing on secondary data from government agencies such as Bank Negara Malaysia, Employees' Provident Fund, Royal Malaysian Police and the Department of Statistics Malaysia, each chapter presents statistical trends reflecting the four financial vulnerabilities. In-depth analyses of the literature reveal three broad psychological domains (cognition, motivation, and disposition) and specific psychological factors (e.g. over-confidence, self-control, social norms, and financial literacy) that significantly influence consumers’ financial decisions. The four financial vulnerabilities investigated in this book directly address the strategic outcomes of the Malaysian National Strategy for Financial Literacy 2019–2023 (MNSFL), a five-year plan to elevate the financial literacy of Malaysians. Finally, the book presents strategic recommendations that are believed to be useful guidelines for relevant policymakers to promote positive financial behaviours and rational attitudes among consumers. It will be a useful resource for policymakers and researchers interested in economic psychology and behavioural finance.
Consumer Happiness: Multiple Perspectives (Studies in Rhythm Engineering)
by Tanusree Dutta Manas Kumar MandalThis book helps quench the quest of knowledge of academicians, researchers, and others interested in developing a complete and critical understanding of consumer happiness. The relentless search of happiness by humans is sought in different ways. Scientific discussion on happiness for long was considered a forte of Philosophers. Other disciplines seldom delved into this. But today not only science but neuroscience, marketing, and other varied fields have started delving into it and have developed a keen interest. The book has been conceptualized on this line of thinking and thus divided into two parts. The first part is customized towards understanding various perspectives of happiness and the relative importance of knowing the same. The first chapter of this section is on the biological perspective of happiness. The second is titled ‘Behavioural perspective’. The third chapter is an attempt to elucidate the cultural perspective of the concept of happiness. The fourth is on the role of technology in inducing happiness. Fifth and sixth are on theories of happiness and measuring happiness, respectively. Knowledge about the different perspective and theories has a wide range of benefits. It informs us about how the brain works, interprets, and reacts. This theoretical understanding helps us to move beyond the trial and error methods towards a more scientific underpinning of adoption of measures that would generate long-lasting happiness in consumers.The second part of the book is dedicated toward understanding consumer happiness from a neuroscience perspective, i.e. keeping consumer happy. This segment has ten chapters. The first is on differentiating the concept of happiness from satisfaction. The second is on sensory marketing and happiness. The third deals with the store design and shelving of products to generate happiness. Fourth and fifth chapters relate to persuading the consumers. While the fourth chapter is on developing persuasive messages and the fifth is on subliminal messaging sixth chapter is on pricing and seventh on advertising. The eighth chapter highlights the role of emotions and the ninth is on the different factors that induce happiness in consumers. The last chapter is about raising some unanswered questions and food for thought for readers. Together the contents of the book make for a complete understanding of the concept of happiness and how it is shaping the world of marketing. Addressing the ‘what’ and ‘how’ of consumer happiness in the same book makes the book comprehensive.
Consumer Health
by Emily C. Boudreau John A. QuelchThe public health footprint associated with corporate behavior has come under increased scrutiny in the last decade, with an increased expectation that private profit not come at the expense of consumer welfare. Consumers, Corporations, and Public Health assembles 17 case studies at the intersection of business and public health to illustrate how each side can inform and benefit the other. Through contemporary examples from a variety of industries and geographies, this collection provides students with an appreciation for the importance of consumer empowerment and consumer behavior in shaping both health and corporate outcomes.
Consumer India
by Dheeraj SinhaA richly insightful account of one of the most significant transformations in the world today. Dheeraj Sinha's intelligence vividly illuminates the intersection of culture and commerce in New India. Adam Morgan Founder eatbigfish Among the many books I have read on the cultural evolution taking place in India, this is perhaps the most insightful. It does not just map mindset changes; it does so with the certainty of a person who has lived the changes as much as he has witnessed them. Every marketeer should keep this book on his office desk as a ready reckoner. Ranjan Kapur Country Manager - India WPP India in many ways is a "Nation of Nations. " So much heterogeneity and hence complexity in understanding consumers and consumerism. Dheeraj has done a commendable job in peeling off the layers from the onion-creating frameworks and providing very relatable examples to understand the culture. For instance, Dheeraj has used Bollywood as an effective mirror to portray societal changes. Consumer India is a must-read for those who want to understand the cultural evolution of India with its nuances. Rajesh Jejurikar Chief Executive - Automotive Division Mahindra & Mahindra Ltd. A labor of love. For years, I have marveled at how Dheeraj's inquisitive brain continuously churns away to make meaning of everything he observes. His writing simultaneously reflects him as a "sutradaar" telling the captivating story of a changing India, even as it does so with the unbiased and expert credentials of the "computerji" he describes here. Dheeraj insightfully marries the rapid changes he chronicles with the assimilative fabric of India; where "and" trumps "or. " Against the cliché "change is the only constant," he underlines that in India, change works with the constant. Enjoy the ride on Dheeraj's time machine! Prasad Narasimhan Managing Partner, Asia Brandgym
Consumer Knowledge and Financial Decisions: Lifespan Perspectives (International Series on Consumer Science)
by Douglas J. LamdinThere has been an increasing recognition that financial knowledge (i.e., literacy) is lacking across the population. Moreover, there is recognition that this lack of knowledge poses real problems as credit, mortgages, health insurance, retirement benefits, and savings and investment decisions become increasingly complex. Financial Decisions Across the Lifespan brings together the work of scholars from various disciplines (family and consumer sciences, economics, law, finance, sociology, and public policy) to provide a broad range of perspectives on financial knowledge, financial decisions, and policies. For consistency across the volume each chapter follows a similar format: (1) what individuals know or need to know (2) how what they know or need to know affects financial decisions and outcomes (3) ways in which policies or programs or financial innovations can enhance their knowledge, or decisions, or outcomes. Contributors will provide both new and existing research to create a valuable picture of the state of financial literacy and how it can be improved.
Consumer Law and Economics (Economic Analysis of Law in European Legal Scholarship #9)
by Klaus Mathis Avishalom TorThis edited volume covers the challenges currently faced by consumer law in Europe and the United States, ranging from fundamental theoretical questions, such as what goals consumer law should pursue, to practical questions raised by disclosure requirements, the General Data Protection Regulation and technology advancements. With governments around the world enacting powerful new regulations concerning consumers, consumer law has become an important topic in the economic analysis of law. Intended to protect consumers, these regulations typically seek to do so by giving them tools to make better decisions, or by limiting the consequences of their bad decisions. Legal scholars are divided, however, regarding the efficacy and effects of these regulations; some call for certain policies to be abolished, while others support a regulatory expansion.
Consumer Law and Protection: Protecting the Rights of Consumers
by Neal BevansIn recent years, the interest in consumer-related issues has grown tremendously, fueled by growing unemployment, high foreclosure rates, credit card interest rate increases and a recession more sweeping than anything seen in more than a generation. Unfortunately, when readers look for a text to explain these issues, they are too often confronted with case books that have more application to law school curricula than to a college-level course. This book fills the need for a well-written text on consumer law and consumer protection. <p><p>Covering topics as diverse as protecting a person's credit rating to avoiding predatory lending, Consumer Law & Protection explains the law and gives readers the tools that they need to protect themselves from telemarketers, unscrupulous debt collectors and network marketing schemes, to name only a few of the topics covered in the book.
Consumer Law and Socioeconomic Development: National and International Dimensions
by Dan Wei Claudia Lima MarquesThis book reflects the research output of the Committee on the International Protection of Consumers of the International Law Association (ILA). The Committee was created in 2008, with a mandate to study the role of public and private law to protect consumers, review UN Guidelines, and to model laws, international treaties and national legislations concerning protection and consumer redress. It has been accepted to act as an observer not only when the UNCTAD was updating its guidelines, but also at the Hague Conference on Private International Law. The book includes the contributions of various Committee members in the past few years and is a result of the cooperation between the Committee members and experts from Australia, Brazil, Canada and China. It is divided into three parts: the first part addresses trends and challenges in international protection of consumers, while the second part focuses on financial crises and consumer protection and the third part examines national and regional consumer law issues.
Consumer Lending in France and America
by Gunnar TrumbullWhy did America embrace consumer credit over the course of the twentieth century, when most other countries did not? How did American policy makers by the late twentieth century come to believe that more credit would make even poor families better off? This book traces the historical emergence of modern consumer lending in America and France. If Americans were profligate in their borrowing, the French were correspondingly frugal. Comparison of the two countries reveals that America's love affair with credit was not primarily the consequence of its culture of consumption, as many writers have observed, nor directly a consequences of its less generous welfare state. It emerged instead from evolving coalitions between fledgling consumer lenders seeking to make their business socially acceptable and a range of non-governmental groups working to promote public welfare, labor, and minority rights. In France, where a similar coalition did not emerge, consumer credit continued to be perceived as economically regressive and socially risky.
Consumer Math
by Larry D. Lemon Larry L. HallPrepare your students for making financial decisions with instruction about credit card charges, taxes, interest on loans and savings, personal banking, and costs of transportation, food, clothing, utilities, insurance, and filling out income tax forms. Being a good steward of the Lord's money is the primary emphasis. The student text presents concepts with numerous examples and step-by-step explanations. Each section contains five cumulative review problems, and each chapter contains a chapter review.
Consumer Mathematics
by Kathleen M. HarmeyerThis book on Consumer Mathematics will be very useful for day-to-day dealings. The chapters included are: Earning Money, Buying Food, Shopping for Clothes, Managing a Household, Buying and Maintaining a Car, Working with Food, Improving your Home, Traveling, Budgeting your Money, Banking and Investing, Paying Taxes, and Preparing for Careers
Consumer Nationalism and Barr’s Irn-Bru in Scotland: Iron Nation (Consumption and Public Life)
by David LeishmanThis book connects a detailed analysis of Irn-Bru’s brand identity over time to theories of national identity, consumer studies, and banal nationalism. It situates the commercial history of Barr’s Irn-Bru in a transnational context and shows how Irn-Bru has become a symbol of Scotland through processes of rewriting, reframing and institutionalized forgetting, linking the consumption of what began as a trans-national generic product to a specific national community. As such, Leishman presents a longitudinal, cross-disciplinary approach to analysing branding and advertising as multi-modal forms of discourse, in order to underline the role of commercial, non-state actors and popular consumerism in the phenomenon of banal nationalism. It will be of interest to students and scholars researching nationalism, consumption, and Scottish studies.
Consumer Neuroscience (The\mit Press Ser.)
by Moran Cerf Manuel Garcia-GarciaA comprehensive introduction to using the tools and techniques of neuroscience to understand how consumers make decisions about purchasing goods and services.Contrary to the assumptions of economists, consumers are not always rational actors who make decisions in their own best interests. The new field of behavioral economics draws on the insights of psychology to study non-rational decision making. The newer field of consumer neuroscience draws on the findings, tools, and techniques of neuroscience to understand how consumers make judgments and decisions. This book is the first comprehensive treatment of consumer neuroscience, suitable for classroom use or as a reference for business and marketing practitioners.After an overview of the field, the text offers the background on the brain and physiological systems necessary for understanding how they work in the context of decision making and reviews the sensory and perceptual mechanisms that govern our perception and experience. Chapters by experts in the field investigate tools for studying the brain, including fMRI, EEG, eye-tracking, and biometrics, and their possible use in marketing. The book examines the relation of attention, memory, and emotion to consumer behavior; cognitive factors in decision making; and the brain's reward system. It describes how consumers develop implicit associations with a brand, perceptions of pricing, and how consumer neuroscience can encourage healthy behaviors. Finally, the book considers ethical issues raised by the application of neuroscience tools to marketing.ContributorsFabio Babiloni, Davide Baldo, David Brandt, Moran Cerf, Yuping Chen, Patrizia Cherubino, Kimberly Rose Clark, Maria Cordero-Merecuana, William A. Cunningham, Manuel Garcia-Garcia, Ming Hsu, Ana Iorga, Philip Kotler, Carl Marci, Hans Melo, Kai-Markus Müller, Brendan Murray, Ingrid L. C. Nieuwenhuis, Graham Page, Hirak Parikh, Dante M. Pirouz, Martin Reimann, Neal J. Roese, Irit Shapira-Lichter, Daniela Somarriba, Julia Trabulsi, Arianna Trettel, Giovanni Vecchiato, Thalia Vrantsidis, Sarah Walker
The Consumer . . . or Else!: Consumer-Centric Business Paradigms
by Donald F Dufek Camille P Schuster"The customer is the only one who can fire all of us." -Sam Walton Doing business in today's economy and surviving requires a new paradigm. Who are at the center of this new approach to doing business? CONSUMERS. Historically, power struggles have raged between suppliers and distributors. Recently, both parties awakened to the fact that neither of them has the ultimate power . . . it now resides solely with the consumer. This valuable book describes what demassification of the consumer market means and will show you how-and why-businesses must adapt to succeed. Handy charts, tables, and illustrations make the information easy to understand, and fascinating sidebar quotations from well-known leaders of various industries-Sam Walton, Jack Welch, and many more-give the book a unique and memorable flavor. "Consumers," say the authors, "not only demand higher quality and lower prices, but also expect convenient, quick, customized service. They expect in-stock conditions and quality. They demand value and respect. Global markets mean large numbers of consumers, but these consumers want to be treated as individuals, and the mass market no longer exists. Companies in industries from financial services to groceries to consumer goods to health care to hardware to automobiles are adopting these new business processes and winning in the marketplace. Their competitors are falling by the wayside." This essential book: examines the factors that are shaping the current business environment and looks at the re-orientation of today's consumer, presenting global perspectives on these vital issues explores this new consumer-centric approach from the perspectives of suppliers, intermediaries, and retailers, as well as the business processes being used to create more efficient supply chains and more effective demand fulfillment processes shows you the tools that can be used to implement this new business paradigm in the areas of technology, internal business processes, and collaboration answers frequently asked questions shares the success stories of Rite Aid, Southwest Airlines, Starbucks, Snap-On Tools, National Semiconductor, and others! After addressing the issues of why business must change and examining the significance of a global business environment, The Consumer . . . or Else! addresses each element of the new business paradigm: the new role of consumers major players, including the shift in the business processes of retailers and manufacturers and the role of intermediaries new business processes, with a focus on technology, internal coordination, and collaboration Companies from Dell Computer to Del Monte are putting consumers first and reaping the sales benefits. General Mills will soon provide consumers with the opportunity to create and name their own custom cereal. As the authors point out, "The business process is changing-changing the way product flows, the way information flows, and the way cash flows. Companies that recognize this need to change will hold huge competitive advantages, and the companies that fail to adapt will simply not be here in the future." Let The Consumer . . . or Else!: Consumer-Centric Business Paradigms be your guidebook to this challenging new business climate.