| Papers [1-14] of 100 :: [Page 1 of 8] | | Go to page : 1 2 3 4 5 6 7 8 —> | Search results on "AMERICAN CONSUMER DEBT": |
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American Consumer Debt, 2006.
This paper examines various reasons why American consumers are compiling enormous personal debt.
1,060 words (approx. 4.2 pages), 5 sources, MLA, £ 25.95
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Abstract
This paper explains that this nation, which built itself based on the Protestant ethic of hard work and simple living, is now floundering in individual and fiscal financial woe as America lives beyond its means. The author points out that the advent of easy credit and hyper-consumerism has redefined American values; people do not want to wait to own luxury possessions, such as the expensive cars, which now symbolize American values. The paper relates that another cause of America's financial woes is that, for a great segment of the population, economic realities force many people to live beyond their means, simply to meet obligations like mortgages and healthcare costs.
Table of Contents
The Growth of Consumerism
Economic Realities
Conclusion
From the Paper
"As with many diseases, affluenza is contagious. Cultural conditioning through media and advertising promote an image of "the good life" that is associated with possessions. Instead of hard work and frugality, possessions such as fancy cars, McMansions and designer clothes were now the symbols of success. It was therefore not enough to have wealth; one had to flaunt it as well. Meanwhile, those who did not have wealth could pretend that they did, by using their credit cards and falling deeper into debt."
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Consumer Debt, 1992.
An examination of the dangers of debt, credit reporting agencies, extended payments and removing derogatory remarks on credit reports.
1,125 words (approx. 4.5 pages), 3 sources, £ 27.95
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From the Paper
"People respond to debt in one of three ways. Some are overwhelmed by it. Others are slightly uneasy and worry that they are in too deep. And a few lucky souls have so much money they rarely think about debit or credit at all. Most people, in fact over 40 million Americans, fall into the first two categories.. While credit offers wonderful opportunities to improve a person's material standard of living, it also carries with it a number of risks. Many people do not have a budget, spend more then they make and have no savings. Unless used wisely, it is easy to fall into the nightmare of unpaid bills, overdue notices, collection agency letter, negative credit reports and even bankruptcy. However, it is possible to set up a credit repair system that allows an individual to get out of debt and manage money more wisely."
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Public Debt vs. Federal Debt, 2002.
A comparison of what public debt is vs. what federal debt is, and how it affects the economy.
2,100 words (approx. 8.4 pages), 15 sources, MLA, £ 45.95
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Abstract
This paper discusses how the government is just as effected at the economic crisis at the public and how both sections of the economy have been thrown into debt. The paper examines the differences between these two types of debts and discusses ways that the government can change policies and introduce reforms in order to end this cycle.
From the Paper
"The gross Federal debt is divided into two categories: debt held by the public, and debt the government owes itself. The first category, public debt, is the total of all federal deficits, minus surpluses, over the years. This is the money that the Federal Government has borrowed from the public, such as notes and bonds of varying sizes and time periods. This debt is held by individuals, corporations, state or local governments, foreign governments, and other entities outside of the US government. This does not include Federal Financing Bank securities. (A side note here: the Federal Financing Bank was established to ?consolidate and reduce the governments cost of financing a variety of federal agencies and other borrowers whose obligations are guaranteed by the Federal Government?.) (Public Debt Online) "
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Consumer Laws in the United Kingdom, 2002.
This paper uses a case study to examine United Kingdom Consumer Laws and Consumer criminal laws. The laws are meant to protect consumers against defective and unsafe products and services.
16,682 words (approx. 66.7 pages), 4 sources, MLA, £ 172.95
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Abstract
United Kingdom Consumer Laws and Consumer criminal Laws are meant to protect consumers against defective and unsafe products and services. They can be invoked if a consumer feels he was taken for a ride and given product or service, which did not meet his needs or was faulty in any sense. We need to understand that certain conditions apply when these laws are made use of to bring charges against a trader. For example, the nature of product or service doesn't count at all but the length of use; special seller instructions, representation of a product etc. play a dominant role in determining the exact nature of breach of contract between the seller and the consumer.
Proposal-Introduction
Executive Summary
-------Rights and Liabilities-Used car
-------Rights and Liabilities-Seat cover
-------Rights and Liabilities- Cell batteries
-------Rights and Liabilities-Re-roofing
-------Rights and liabilities-Dogs
Conclusions/Recommendations
From the Paper
"Eleanor and Nicos needed to purchase a second-hand car and visited Solid Cars for this purpose. There they found a Range Rover, which was being offered for ?2,000. The salesman informed them the original engine of the Rover had been replaced with a reconditioned engine. After initial discussions with the salesman, they agreed to purchase the vehicle through their debit card. The salesman however told them few things, which later proved to be incorrect and caused them several problems during test-drive."
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Consumer Behavior, 2002.
This research examines consumer behavior and demand and considers the ways in which companies can use consumer behavior theory to increase demand and quantity demanded goods and services.
3,854 words (approx. 15.4 pages), 8 sources, MLA, £ 73.95
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Abstract
This paper discusses how companies need to understand consumer behavior in order to determine the best way to shift demand in favor of their products. When companies are able to ascertain why consumers purchase particular goods and services, they can tailor their marketing efforts to address the needs of consumers. It explains how this increases sales, and improves the profit performance of the organization. It also discusses how consumer behavior can also help companies increase demand by helping consumers accept new uses for existing goods and services. It examines the close relationship between consumer behavior, demand, and marketing.
From the Paper
"According to some analysts, American consumers are spending a higher percentage of their incomes than most other industrial nations, and even higher percentages than they have in the past. In 1998, consumer income increased by five percent, but consumer spending increased six percent. Consumer saving was approximately one-half of one percent of income (Walden, 1999, p. 46).
At the same time, consumers are taking on additional debt, also for purchases. American consumers spend an average of 18 percent of income on non-home loans, a record level of indebtedness (Walden, 1999, p. 46). This causes some economists to be concerned about the possible ramifications of a downturn in the economy. The concern is that consumers lacking sufficient savings to withstand a downturn will slow or even halt spending, and some consumers may be forced into bankruptcy in this situation because they lack appropriate financial resources."
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The Consumer Movement, 2002.
This paper discusses the consumer movement, which represented the effort to protect consumers' interests in the face of big business.
2,150 words (approx. 8.6 pages), 7 sources, £ 55.95
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Abstract
Promoting consumer protection, the movement has always favored cooperative and other reformist efforts, since it sought to make big business accountable to the consumer. In light of the triumph of market forces, and the failure of Ralph Nader to achieve broad popular support, it is clear that the consumer movement has not succeeded in achieving consumer sovereignty.
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Consumer Behavior, 2006.
An analysis of the importance of consumer behavior.
908 words (approx. 3.6 pages), 4 sources, MLA, £ 22.95
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Abstract
This paper discusses how the study of consumer behavior helps organizations improve marketing strategies by understanding how certain issues such as buyer psychology and behavior affect purchasing decisions. By understanding the consumer, organizations will be able to make more informed decisions as to which strategy to employ and improve their marketing campaigns and marketing strategies to more effectively reach the consumer. This paper defines consumer behavior and provides an example of a consumer purchase demonstrating how each of the 4 Ps (product, price, promotion, and place) of marketing impacted the purchase.
Outline:
Abstract
Definition
The 4 P's of Marketing
Conclusion
From the Paper
"One definition of consumer behavior is "The study of individuals, groups, or organizations and the processes they use to select, secure, use, and dispose of products, services, experiences, or ideas to satisfy needs and the impacts that these processes have on the consumer and society" (Hawkins, 2004). Another definition according to the American Marketing Association is that consumer behavior is "the dynamic interaction of affect and cognition, behavior, and environmental events by which human beings conduct the exchange aspects of their lives." More generally, consumer behavior is the psychology behind marketing and the behavior of consumers in the marketing environment (American Marketing Association, 2006)."
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Consumer Behavior and Demand, 2000.
An analysis of the consumer-business relationship in theory and practice, with examples including the impact of economy, savings, debt, marketing, product differentiation, brand names, changes in demand and more.
3,375 words (approx. 13.5 pages), 10 sources, £ 82.95
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From the Paper
"Introduction
Companies seek to understand consumer behavior in order to determine the best way to shift demand in favor of their products. When companies are able to ascertain why consumers purchase particular goods and services, they can tailor their marketing efforts to address the needs of consumers. This increases sales, and (if the company is run effectively) improves the profit performance of the organization. Consumer behavior can also help companies increase demand by helping consumers accept new uses for existing goods and services. There is thus a close relationship between consumer behavior, demand, and marketing. This research examines consumer behavior and demand, and considers the ways in which companies can use consumer behavior theory to increase demand and quantity demanded for particular goods and..."
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Consumer Decision Making, 2007.
An in-depth research paper on the consumer decision making process for purchasing property in Spain.
11,610 words (approx. 46.4 pages), 30 sources, APA, £ 156.95
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Abstract
This study investigates the decision process of consumers purchasing property in Spain. The paper focuses on the underlying reasons for purchasing a property in Spain, the methods used by the purchaser to gather information and the overall satisfaction with the purchase process. The paper links a report about current theories on consumer purchasing behaviour to the purchase of property abroad.
The investigation reveals a clear link between the level of satisfaction of the purchase process and the level of information and advice sought. The paper includes flow charts, tables, and graphs. It also appends the questionnaire used in the research and data analysis pages.
Outline:
Abstract
Contents
List of Tables
List of Figures
List of Appendices
Acknowledgements
1. Introduction
1.1 Aspects and Foundation of the Research
1.2 Aim of the Research
1.3 Objectives of the Research
1.4 Hypothesis
2. Literature Review
2.1 Consumer Behaviour
2.2 The Consumer Decision Process
2.3 Problem Recognition
2.4 Information Search
2.4.1 Do Consumers Always Search Rationally?
2.4.2 Determinants of Information Search
2.4.3 Type of search
2.4.4 Evaluation of Alternatives
2.5 The Decision
2.5.1 Affect Referral Rules
2.5.2 Non Compensatory Decision Rules
2.5.3The Lexicographic Rule
2.5.4 Compensatory Decision Rules
2.5.5 Modified Rules for Research
3. Methodology
3.1 Methodology in Similar Research
3.2 Research Approach
3.3 Research Strategy
3.4 Method
3.4.1 Channels of Distribution
3.4.2 Ethics
3.4.3 Data Collection and Analysis
3.4.4 CHI-Square Test
3.4.5 Elements of Bias
3.4.6 Sampling
3.4.7 Pilot Study
3.4.8 Research Constraints
3.4.9 Response Rate
3.4.10 Variables
3.5 Null Hypothesis
4. Results
4.1 CHI Square Test
4.2 Data Interpretation
4.3 Summary of Key Findings
5. Discussion
5.1 Pre Purchase Process
5.1.1 Information Search
5.2 Purchase Process
5.3 Post Purchase Process
5.3.1 Consumer Behaviour Models
5.4 Consumer Profile
6. Conclusion
7. Recommendations and Further Research
8. References
9. Appendices
10. Glossary
From the Paper
"Nicosia proposed a model that concentrated on the buying decision for a new product (illustrated in figure 2). The first stage of the model concentrated on the marketers' attempts to communicate with the consumer and the consumer's predisposition to act in a certain way. The scope of this research did not allow for the exploration of marketers' communication methods. However, the second stage of the model involved the consumer in a search evaluation process, which is influenced by attitudes. This follows a similar process to the Andreason model but it allowed the consumer to evaluate the process."
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Consumer Manipulation through Advertising, 1990.
This paper discusses consumer manipulation through advertising: Sexual and other stimulants to influence purchase, movie stars, subliminal seduction and stereotyped thinking to trade on the consumer's lack of self-confidence and fears.
2,025 words (approx. 8.1 pages), 6 sources, £ 49.95
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From the Paper
"This paper will be concerned with the topic of consumer manipulation through advertising. There are a number of ways in which advertisers may try to persuade the public to buy their products. However, it has been found that one of the most effective ways to stimulate buying behavior is through the manipulation of people's fears and desires. In the words of one advertising director: "Fear, envy, vanity, health, utility, profit, pride, love and entertainment. If you ever spend money it will be for one of those reasons". Research studies have tended to support this view, and as such there are numerous indications that consumer decision making is more strongly motivated by emotional, rather than rational, needs.
Advertisers have long been aware that sex is the most powerful stimulant for influencing the public to buy. ,,, "
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Consumer Product Testing, 2006.
A research proposal regarding consumer product testing.
1,723 words (approx. 6.9 pages), 3 sources, MLA, £ 38.95
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Abstract
This paper discusses consumer product development and how new products are being offered and marketed to the retail consumer. According to the paper, these new products must be subjected to rigorous product testing before being released on the market. The paper further discusses how testing a new consumer product before retail involves testing the product with respect to not only consumer appeal and usability, but also in terms of its substantive qualities such as strength, fire retardation and assembly. This research proposal is an outline of what must occur when conducting consumer product testing.
Outline:
Abstract
Introduction
Problem
Sample Procedures
Descriptive Statistics and Research Outcomes
Conclusion
From the Paper
"With reference to the sample selection issue the investigator is obliged to follow the principal of random sampling and if this cannot be achieved then the statistical tool chosen to analyze the data must be modified to correct the non-random selection process. However, randomization is always the best rule to follow. In the above-described focus group situation the 25 member sample would be obtained by one of two methods: garnering information about the number of toddlers currently attending as many as 10 local daycare centers wherein the enrollment is at least 30. Out of the 300 possible population, 25 mothers and fathers would randomly be selected and asked to participate in the focus group. The actual selection process would be based on the Table of Random Numbers sampling technique (Kerlinger, 1964). Further, knowing that a parent's time is valuable each attendee would be paid a reasonable amount to attend the focus group seminar. The data obtained from the focus group would then be tabulated with respect to that which is most important to parents when selecting a safe toy for their children. Those items most important would then be followed up my actual lab testing of the toy itself."
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The Consumer Protection Act, 2005.
This paper discusses the Consumer Protection Act and examines its implications with regards to real estate matters.
1,350 words (approx. 5.4 pages), 6 sources, £ 36.95
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Abstract
This six page graduate paper examines the Consumer Protection Act. The author notes that in examining how the Consumer Protection Act relates to real estate and real estate transactions, it is evident that the CPA reflects the fundamental principle of protecting prospective buyers from sellers who are tempted to engage in deception and fraud. Consumer protection laws, many of which have been incorporated into the Consumer Protection Act, mandate that a seller cannot generally take any action or fail to take any action that may result in a consumer being deceived or misled through false claims, ambiguity, exaggeration, or innuendo.
From the Paper
"In examining how the Consumer Protection Act relates to real estate and real estate transactions, it is evident that the CPA reflects the fundamental principle of protecting prospective buyers from sellers who are tempted to engage in deception and fraud. Consumer protection laws, many of which have been incorporated into the Consumer Protection Act, mandate that a seller cannot generally take any action or fail to take any action that may result in a consumer being deceived or misled through false claims, ambiguity, exaggeration, or innuendo."
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Critical Elements of Business and Consumer Marketing, 2001.
Compares and contrasts business marketing (the sales from business to business) with consumer marketing (the sales from business to consumer).
1,800 words (approx. 7.2 pages), 0 sources, £ 43.95
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From the Paper
"The essential similarity between business marketing and consumer marketing is of course, sales. Business marketing takes into account such widely used terms as industrial marketing, organizational marketing, and business-to-business marketing. Business marketing is the intermediary marketplace between the wholesale and retail markets. In a very real sense, the business marketplace is the final rung on the ladder, before the retail market redefines the cost, placement, and packaging of products that have already been created, sold, and placed on the world market.
If business marketing is built more around the nuts and bolts of bulk products, then consumer marketing is much more concerned..."
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Consumer Behavior at McDonald's, 2004.
A study into the nature of consumer behavior in England using McDonald's as an example.
7,050 words (approx. 28.2 pages), 15 sources, MLA, £ 109.95
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Abstract
This paper aims to analyze consumer behavior patterns in the United Kingdom, since consumer behavior plays such a large role in the success of all fast food restaurants around the world. The paper begins by looking at the importance of the study, in general, and why understanding consumer behavior is relevant. This is followed by a close analysis of the consumer behavior involved in making fast food decisions, health and environmental issues, social and economic impacts.
From the Paper
"In addition to subcultures, every society has some type of social class structure. Social classes are mostly permanent divisions in a society whose members share similar values, interests, and behaviors. Social class is not determined by a single factor such as income but is measured as a combination of occupation, income, education, wealth, and other factors. Marketers must pay attention to social class because people within a given social class often demonstrate similar behaviors, including buying behavior. Social classes show distinct product and brand preferences in many areas, including clothing, home furnishings, food choices, and more."
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