Download or read book Empowering Consumers written by United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations and published by . This book was released on 2010 with total page 112 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book On Our Terms written by Stansfield and published by . This book was released on 2018-02 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Empowering Consumers with How Totorials written by John Callahan and published by EC360. This book was released on 2007 with total page 168 pages. Available in PDF, EPUB and Kindle. Book excerpt: Insider secrets revealed about the sales process, and specific tutorials on how to save money. Delivering brutal honesty, this important Handbook will shock you with the truth about how much money consumers lose each year going through the current Auto, Mortgage, and Real Estate processes. The numbers are staggering, as unsuspecting consumers are overcharged more than $2.9 billion in excessive fees and inflated mortgage commissions. Add to that over a billion from inflated real estate fees and hundreds of millions in excessive auto purchase commissions. All totaled, more than $24 billion annually is pulled from consumers' pockets due to predatory mortgages, auto loans, payday loans, overdraft loans, excessive credit card debt, and tax refund loans. See exactly how these companies are stealing your money, and learn easy to follow, How-To-Torials, for big savings! At the time this book first hit press, Americans had amassed $9 trillion in mortgage debt with 33% of that being in Adjustable Rate Mortgages. Foreclosures, and bankruptcies were rising at historic rates, and consumers were being forced into credit counseling. With an expected 43% of ARM loans resetting between 2006 and 2008...this book is right on time! Millions of Americans need to know "how to" protect themselves from high fees and commissions, and it's all inside this book. Consumers now have valuable advice to use when buying a new automobile, buying or selling a home, or finding a loan. Take back control and be more engaged in your auto, mortgage, or real estate transaction. By understanding the process, you can have more control. With control, you will save money! The charts, graphs, and scripts provide a down-to-earth example of what used to be a very complex process that few understood. Now, everyone can learn the ins and outs of the three massive industries that, before John Callahan's illuminating book, had an unfair advantage over consumers.
Download or read book A Consumers Republic written by Lizabeth Cohen and published by Vintage. This book was released on 2008-12-24 with total page 578 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this signal work of history, Bancroft Prize winner and Pulitzer Prize finalist Lizabeth Cohen shows how the pursuit of prosperity after World War II fueled our pervasive consumer mentality and transformed American life. Trumpeted as a means to promote the general welfare, mass consumption quickly outgrew its economic objectives and became synonymous with patriotism, social equality, and the American Dream. Material goods came to embody the promise of America, and the power of consumers to purchase everything from vacuum cleaners to convertibles gave rise to the power of citizens to purchase political influence and effect social change. Yet despite undeniable successes and unprecedented affluence, mass consumption also fostered economic inequality and the fracturing of society along gender, class, and racial lines. In charting the complex legacy of our “Consumers’ Republic” Lizabeth Cohen has written a bold, encompassing, and profoundly influential book.
Download or read book Empowering the Great Energy Transition written by Scott Valentine and published by Columbia University Press. This book was released on 2019-12-17 with total page 306 pages. Available in PDF, EPUB and Kindle. Book excerpt: At a time when climate-change deniers hold the reins of power in the United States and international greenhouse gas negotiations continue at a slow crawl, what options are available to cities, companies, and consumers around the world who seek a cleaner future? Scott Victor Valentine, Marilyn A. Brown, and Benjamin K. Sovacool explore developments and strategies that will help fast-track the transition to renewable energy. They provide an expert analysis of the achievable steps that citizens, organizational leaders, and policy makers can take to put their commitments to sustainability into practice. Empowering the Great Energy Transition examines trends that suggest a transition away from carbon-intensive energy sources is inevitable—there are too many forces for change at work to stop a shift to clean energy. Yet under the status quo, change will be too slow to avert the worst consequences of climate change. Humanity is on a path to incur avoidable social, environmental, and economic costs. Valentine, Brown, and Sovacool argue that new policies and business models are needed to surmount the hurdles separating the current consumption model from a sustainable energy future. Empowering the Great Energy Transition shows that with well-placed efforts, we can set humanity on a course that supports entrepreneurs and communities in mitigating the environmental harm caused by technologies whose time has come and gone.
Download or read book Consumer Policy Toolkit written by OECD and published by OECD Publishing. This book was released on 2010-07-09 with total page 126 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book examines how markets have evolved and provides insights for improved consumer policy making. It explores, for the first time, how what we have learned through the study of behavioural economics is changing the way policy makers are addressing problems.
Download or read book Ethics and Empowerment written by John J. Quinn and published by Purdue University Press. This book was released on 1999 with total page 460 pages. Available in PDF, EPUB and Kindle. Book excerpt: Ethics and Empowerment is aimed atproviding tactical, high-level solutions to today's business and professionalchallenges. Gathering together experts in various fields, this line of titleswill benefit professionals as they face the challenges of the ever-changingbusiness climate. Amid the burgeoning literature on business ethics, this book providesan important lead in taking a well-known everyday management notion such as"empowerment" and using it to make "ethics" more relevantand accessible to the business world. Adding a major contribution to theongoing debate about the role of business in society, the content examines theissues of power, control, and autonomy, addressing such questions asempowerment as a matter of justice, and also provides case studies of theorganizational experiences of empowerment programs.
Download or read book Watchdog written by Richard Cordray and published by Oxford University Press. This book was released on 2020-02-03 with total page 305 pages. Available in PDF, EPUB and Kindle. Book excerpt: Every day across America, consumers face issues with credit cards, mortgages, car loans, and student loans. When they are cheated or mistreated, all too often they hit a brick wall against the financial companies. People are fed up with being run over by big corporations, and few have the resources or expertise to fight back on their own. It is no wonder consumers feel powerless: they are outgunned every step of the way. Since 1970, the financial industry has doubled in size. It is the biggest source of campaign contributions to federal candidates and parties, spending about $1 billion annually on campaigns and another $500 million on lobbying. The four biggest banks each now has more than $1 trillion in assets. Financial products have become a mass of fine print that consumers can hardly even read, let alone understand. Growing problems in the increasingly one-sided finance markets blew up the economy in 2008. In the aftermath, Congress created the Consumer Financial Protection Bureau. Sharing the stories of individual consumers, Watchdog shows how the Bureau quickly became a powerful force for good, suing big banks for cheating or deceiving consumers, putting limits on predatory lenders, simplifying mortgage paperwork, and stepping in to help solve problems raised by individual consumers. It tells a hopeful story of how our system can be reformed by putting government back on the side of the people, to strengthen our families, safeguard the marketplace, and establish a new baseline of fairness in our democratic society.
Download or read book Unconscious Branding written by Douglas Van Praet and published by St. Martin's Press. This book was released on 2012-11-13 with total page 358 pages. Available in PDF, EPUB and Kindle. Book excerpt: For too long marketers have been asking the wrong question. If consumers make decisions unconsciously, why do we persist in asking them directly through traditional marketing research why they do what they do? They simply can't tell us because they don't really know. Before marketers develop strategies, they need to recognize that consumers have strategies too . . .human strategies, not consumer strategies. We need to go beyond asking why, and begin to ask how,behavior change occurs. Here, author DouglasVan Praet takes the most brilliant and revolutionary concepts from cognitive science and applies them to how we market, advertise, and consume in the modern digital age. Van Praet simplifies the most complex object in the known universe - the human brain - into seven codified actionable steps to behavior change. These steps are illustrated using real world examples from advertising, marketing, media and business to consciously unravel what brilliant marketers and ad practitioners have long done intuitively, deconstructing the real story behind some of the greatest marketing and business successes in recent history, such as Nike's "Just Do It" campaign; "Got Milk?"; Wendy's "Where's the Beef?" ;and the infamous Volkswagen "Punch Buggy" launch as well as their beloved "The Force" (Mini Darth Vader) Super Bowl commercial.
Download or read book Unscaled written by Hemant Taneja and published by PublicAffairs. This book was released on 2018-03-27 with total page 250 pages. Available in PDF, EPUB and Kindle. Book excerpt: Unscaled identifies the forces that are reshaping the global economy and turning one of the fundamental laws of business and society -- the economies of scale -- on its head. An innovative trend combining technology with economics is unraveling behemoth industries -- including corporations, banks, farms, media conglomerates, energy systems, governments, and schools-that have long dominated business and society. Size and scale have become a liability. A new generation of upstarts is using artificial intelligence to automate tasks that once required expensive investment, and "renting" technology platforms to build businesses for hyper-focused markets, enabling them to grow big without the bloat of giant organizations. In Unscaled, venture capitalist Hemant Taneja explains how the unscaled phenomenon allowed Warby Parker to cheaply and easily start a small company, build a better product, and become a global competitor in no time, upending entrenched eyewear giant Luxottica. It similarly enabled Stripe to take on established payment processors throughout the world, and Livongo to help diabetics control their disease while simultaneously cutting the cost of treatment. The unscaled economy is remaking massive, deeply rooted industries and opening up fantastic possibilities for entrepreneurs, imaginative companies, and resourceful individuals. It can be the model for solving some of the world's greatest problems, including climate change and soaring health-care costs, but will also unleash new challenges that today's leaders must address.
Download or read book Buyer Aware written by Marta L. Tellado and published by Hachette UK. This book was released on 2022-09-20 with total page 237 pages. Available in PDF, EPUB and Kindle. Book excerpt: In an era of corporate overreach when consumers have never been more vulnerable to digital surveillance, unsafe food, and dangerously faulty products, the president and CEO of Consumer Reports gives us a playbook to put the power back in our hands. You've been getting ripped off. The rules that have protected consumers for decades are failing. Companies are spying on us. Many of the products we once trusted are dangerous and failing at alarming rates. Whether we are buying a crib, a small appliance, an iPhone app, or shopping for car insurance, it's become harder than ever to know whether the choices we make in the marketplace are putting us at risk-either from physical harm or the abuse of our personal data by hackers or corporations. This is intolerable. It's wrong. And we don't have to put up with it anymore. Marta L. Tellado, the president and CEO of Consumer Reports, has been an advocate for consumers for decades. In Buyer Aware, Tellado shows you the steps you can take to protect yourself from predatory business practices, and how to exert your inherent power as a consumer to spur politicians and businesses to clean up their act. Only then can we ensure that we have an economy that is fair, safe, and transparent for all, and puts consumers first.
Download or read book Variable Generation Flexible Demand written by Fereidoon Sioshansi and published by Academic Press. This book was released on 2020-11-15 with total page 596 pages. Available in PDF, EPUB and Kindle. Book excerpt: Variable Generation, Flexible Demand looks at a future in which power system researchers, operators and analysts need to predict variable renewable generation and schedule demand to match it. Contributors survey the significant expansion in the role of flexible demand in balancing supply and demand in conjunction with flexible generation in 'peaking plants' and energy storage as the proportion of variable renewable generation rises in many systems across the world. Supported with case studies, the book examines practical ways that demand flexibility can play a constructive role as more systems move towards higher levels of renewable generation in their electricity mix. - Examines practical ways that demand flexibility can play a constructive role in future energy systems - Reviews the vital role of market design, business models, enabling technologies, policies and regulation in implementation of flexible demand - Includes detailed case studies that address the role of flexible demand across transitioning power markets
Download or read book The Expert Consumer written by Alain Chatriot and published by Routledge. This book was released on 2017-09-29 with total page 220 pages. Available in PDF, EPUB and Kindle. Book excerpt: Recent work has focused on the politics of consumption and its manifestation in a number of situations. This volume extends these debates, providing a tighter focus and contributing to a noticeable gap in the field that numerous scholars are beginning to turn towards: that is, organizations of consumers themselves who have chosen to speak for all consumers and similar such bodies of experts which act on behalf of consumers. The volume is fortunate in drawing upon a number of scholars who are about to publish major works on the subject, but who are happy to provide summary versions of their work for the volume. The book pays particular attention to specific moments in consumer mobilization and expertise, capturing the range of types of expert consumers across the twentieth century, from ethical consumer groups at the beginning, to intellectuals, housewives, economists and public officials. It addresses questions on the nature of consumer organizing, which bodies can speak for consumers, whether one consumer voice can ever be identified and the relationship between consumption and citizenship. Overview pieces demonstrate the larger narratives involved in the study of the expert consumer, whilst more comparative essays set out the nature of transatlantic exchanges. Other contributions point to the similarities across seemingly different consumption regimes, while case studies of specific organisations and key historical moments draw out the particularities of consumer expertise.
Download or read book EMPOWER TO ENSLAVE written by Dr. Rahul Mirchandani and published by Partridge Publishing. This book was released on 2024-01-08 with total page 113 pages. Available in PDF, EPUB and Kindle. Book excerpt: Our world now resembles a turbulent field. Demand has become uncertain, product life cycles have shortened, and competition has intensified. Emerging megatrends indicate that consumers now think and behave very differently. The pain and feeling of deprivation created by new, constantly evolving needs fuels demand for new products and services. The gratification of ‘They made this with ME in mind’ is empowering, instills pride of ownership and thus, consumer enslavement. This book presents a renewed understanding of the dynamics that drive markets and consumer intent today. Industry needs to construct a predictive model for forecasting near-term demand for new products and services. Such demand forecasts, must be made even in the absence of past or reliable data. Using complex econometric methods has shown limited success in such scenarios. This book attempts to present a robust methodology to mind-map intentions and use this knowledge as a proxy for past data, to forecast demand. This will be especially useful to industries marketing specialty products or new product concepts where past demand data is unavailable, and the web of demand triggers is known but constantly changing. It will also add to the body of knowledge to aid planning within emerging markets.
Download or read book Social Media Storms written by Pernille Rydén and published by Routledge. This book was released on 2021-08-25 with total page 123 pages. Available in PDF, EPUB and Kindle. Book excerpt: This fascinating new book explores the benefits and dynamics of social media storms and identifies the possible opportunities that they present for further engagement with customers. It provides actionable managerial advice on planning for, measuring, and innovatively navigating social media storms. Based on a sound theoretical background and illustrated by vivid real-life examples and case studies throughout every chapter, this book combines thorough explanations of the elements of business decision-making, market interaction, consumer psychology, branding, and business communication. In comparison to the existing literature, the book departs from the classical, but insufficient crisis communication management approaches to suggest novel frameworks and tools for empowering businesses, consumers, and broader societies in the digital age. Social Media Storms: Empowering Leadership Beyond Crisis Management provides advanced undergraduate and postgraduate digital marketing, marketing communications, strategy, and crisis management students with a comprehensive understanding of the social media storm phenomenon and helps marketing and communications professionals to leverage the opportunities that social media storms are bringing.
Download or read book The Opt Out Effect written by Gerald E. Smith and published by FT Press. This book was released on 2015-12-18 with total page 265 pages. Available in PDF, EPUB and Kindle. Book excerpt: &>will control your brand relationship, there’s only way to win: help them do it. The Opt-Out Effect shows you how. Marketing thought leader Gerald Smith brings together new research data, powerful strategies, and indispensable tools for implementing customer-centric brand management that supports today’s customers and earns their loyalty. You’ll master new digital brand management best practices hands-on, via realistic exercises and well-tested worksheets and templates you can use in your own environment. Nicholson and Smith ground their recommendations in evidence, unveiling important new research from Pitney Bowes and Kitewheel that illuminates the viewpoints of nearly 1,000 marketers and 1,000 consumers across several leading industries. Learn how to: Quantify what opt-out is costing your business in dollars and cents Control opt-out by empowering customers with opt-up, opt-down, and opt-in user preferences Reframe brand strategy as customer-centric, building on radically new assumptions, languages, and beliefs about marketing Use customer analytics to listen to, sense, and engage customers “in the moment” Apply customer-centric concepts such as Opt-Out Monetization, Customer-Driven Brand Loyalty, Customer-Driven Lifetime Value, and Customer-Driven Brand Equity Profitably empower customers to control their messaging, media, channels, offerings, and more Integrate your key customer relationship measures in a complete e-driven customer managed marketing framework that helps you clarify your goals, priorities, and performance
Download or read book The Paradox of Choice written by Barry Schwartz and published by Harper Collins. This book was released on 2009-10-13 with total page 308 pages. Available in PDF, EPUB and Kindle. Book excerpt: Whether we're buying a pair of jeans, ordering a cup of coffee, selecting a long-distance carrier, applying to college, choosing a doctor, or setting up a 401(k), everyday decisions—both big and small—have become increasingly complex due to the overwhelming abundance of choice with which we are presented. As Americans, we assume that more choice means better options and greater satisfaction. But beware of excessive choice: choice overload can make you question the decisions you make before you even make them, it can set you up for unrealistically high expectations, and it can make you blame yourself for any and all failures. In the long run, this can lead to decision-making paralysis, anxiety, and perpetual stress. And, in a culture that tells us that there is no excuse for falling short of perfection when your options are limitless, too much choice can lead to clinical depression. In The Paradox of Choice, Barry Schwartz explains at what point choice—the hallmark of individual freedom and self-determination that we so cherish—becomes detrimental to our psychological and emotional well-being. In accessible, engaging, and anecdotal prose, Schwartz shows how the dramatic explosion in choice—from the mundane to the profound challenges of balancing career, family, and individual needs—has paradoxically become a problem instead of a solution. Schwartz also shows how our obsession with choice encourages us to seek that which makes us feel worse. By synthesizing current research in the social sciences, Schwartz makes the counter intuitive case that eliminating choices can greatly reduce the stress, anxiety, and busyness of our lives. He offers eleven practical steps on how to limit choices to a manageable number, have the discipline to focus on those that are important and ignore the rest, and ultimately derive greater satisfaction from the choices you have to make.
