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Interest Rates and the Consumer, 2001.
This paper examines how the shifting of interest rates affects consumers in the United States.
2,225 words (approx. 8.9 pages), 5 sources, APA, £ 49.95
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Abstract
This paper examines how interest rates in the financial community affect the consumer and the stockholder. Investment strategies are also briefly investigated, with an emphasis on how interest rates indicate the performance of stocks in a long- term investment plan. It is hoped that through providing enough information on how interest rates affect the consumer, the reader will be better equipped to make informed discussions on the subject.
From the Paper
"Interest rates are essentially the rate of change in the economic community that expresses how the financial institutions are performing. They also act as incentives for the consumer, where if the interest rates are higher the customer is more likely to invest their funds. Interest rates are not stagnant, and change to reflect the current state of the market. As the consumer benefits more when he or she invests at a time where the rates are higher, the consumer is more likely to invest at that particular time."
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Public Interest or Public Best Interest, 2002.
A study of the topic of what is the 'best public interest' compared to 'public interest' and the role of the public administrator.
1,810 words (approx. 7.2 pages), 6 sources, MLA, £ 41.95
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Abstract
The paper shows the difficulty the public administrator is faced with when deciding what is the ?public interest? or ?public best interest? and that sometimes the administrator has to make decisions based on the community ?best? interests or the ?objective control of administration?. Sections of the paper include: Pluralists and the Public Administrator, The Public as Consumers, The Public as Represented, The Public as Client and the Public as Citizen.
From the Paper
"Other examples can be commercials. If a child sees cereal with a toy in it, he/she will beg and cry until the mother buys the cereal. The mother may know this is not the ?best interest? of the child because it lacks important vitamins or may be full of sugar. The commercial has placed value on knowing children will see the commercial and will talk their parents into buying it. The interest of the children is met, but not the ?best? interest of the children."
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How Do You Rate the Rating Enforcers?, 2001.
A look at the MMPA, The Motion Picture Association of America and their rating system.
2,025 words (approx. 8.1 pages), 11 sources, £ 45.95
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Abstract
A paper about the problems with the MPAA, The Motion Picture Association of America and their rating system. The author describes what the MPAA is, their role, and strategies for rating, revealing their inconsistencies and inherent biasness in certain aspects.
From the Paper
"We finally reach a point where we have to ask if the MPAA is doing a ?good? job. I have found that the MPAA often has the right idea, but seems to continuously fall short when rating movies. By falling short, I mean that there are constant inconsistencies in film ratings dealing with moral aspects (homosexual content, violence, etc.) These problems need to be further addressed and solutions,such as the ones mentioned above, need to be considered. The effectiveness of ratings also needs to be addressed. As is, ratings are not as effective as one might hope they would be. Evidence has proven this by showing lack of consistency, bias, confusion, etc. Rating films is not a ?bad? idea, but their current state is not really working. The MPAA needs to focus more on just explaining what is in the films instead of over-rating them to the point of forcing film makers to edit their creativity."
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Labor Rates, 1989-1999, 2000.
An examination of the labor statistics for trends including unemployment, age, gender, productivity, hourly rate and Consumer Price Index. Charts.
900 words (approx. 3.6 pages), 7 sources, £ 22.95
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Abstract
"Labor statistics are compiled by a variety of sources, but most analysts rely on information from the Bureau of Labor Statistics for raw data. From this information, analysis can be conducted on the composition of the American workforce and changes that might be taking place with regard to who is working and how much remuneration they are receiving.
From the Paper
"Labor statistics are compiled by a variety of sources, but most analysts rely on information from the Bureau of Labor Statistics for raw data. From this information, analysis can be conducted on the composition of the American workforce and changes that might be taking place with regard to who is working and how much remuneration they are receiving. By analyzing this information, decisions can be made regarding interest rates (as might be done by the Federal Reserve), investment decisions (as might be undertaken by institutional investors), and wages (as might be performed by business and industry). This research examines labor rates with regard to the period 1989 to 1999 (or 1998 when 1999 information is not available) and considers the reasons for particular trends."
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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, £ 176.95
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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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Exchange Rates and Western Economies in the Post War Era, 2002.
A histiry and analysis of exchange rates in the post war era from the fixed rates established at Bretton Woods to the flexible rates of today.
1,400 words (approx. 5.6 pages), 2 sources, £ 37.95
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Abstract
This essay will argue the reality of exchange rates in the modern world is much more complex than popular wisdom would suggest. Through a discussion of the history of exchange rates in the postwar era - from the fixed rates established at Bretton Woods to the flexible rates of today - it will be seen that exchange rates are one of the most complex features of modern economics. As the Canadian experience demonstrates, control of the exchange rates is beyond the power of governments to significantly influence in the long term. Indeed, given the complexities of the relationship between exchange rates and market forces, exchange rates are a feature of modern economics that defy easy analysis and prediction.
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Labor Force Participation Rates in Canada, 2008.
An analysis of the increasing participating rates of women and decreasing participation rates of men in the Canadian labor force.
2,172 words (approx. 8.7 pages), 8 sources, APA, £ 47.95
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Abstract
This paper analyzes the factors that determine the historical trends in labor force participation rates in Canada. It describes the changes in rates based on gender, race and age. The paper then focuses on women's increasing participation rates and men's dropping participation rates over time. The paper contains graphs and tables illustrating its points.
Table of Contents:
About Participation Rates
Participation Rates across Time
Labor Force in Canada
Women's Increasing Participating Rates
Men's Dropping Participation Rates
The Aging Population
Decreasing Youth's Participation Rate
Conclusions
From the Paper
"Another factor that generated mutations in the Canadian participation rates has a macroeconomic nature and is linked to globalization and market liberalization. Free circulation of products and services between countries has generated immigration to Canada. As such, currently, the Canadian workforce is formed of both locals and foreigners. Future predictions include a general decrease in youth and men's participation rates, a stagnation of women's participation rates and also a stagnation of immigrants' participation rates."
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Interest Rates, 2005.
This paper discusses the Fed's measured and deliberate increase of interest rates over recent months up to current rates.
1,813 words (approx. 7.3 pages), 7 sources, MLA, £ 41.95
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Abstract
The paper discusses what interest rates are, who controls interest rates, how interest rates affect an economy, the conundrum of why 30-year interest rates have not increased in spite of all contrary experience, and a conclusion concerning whether interest rates should be increased at a measured or quick pace.
From the Paper
"I wonder if when Nostradamus was predicting the end of the world and saw the world awash in flames, what he really saw was the world awash in debt. Presently, because interest rates in the United States are so low, Americans and American businesses have taken out loans at an increased rate to keep pace with their high demand of goods and services. The Bush administration's tax cuts have added fuel to this spending trend also. The purpose for these two actions was to jump start the United States economy; Policies that have been successful. The real GDP has continued to grow at a good pace and the fourth quarter of 2004 growth of 3.1 percent annual rate is an indication of this growth . But what are the consequences of this growth come?"
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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, £ 74.95
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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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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, £ 160.95
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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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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, £ 56.95
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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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Macroeconomics of Interest Rates, 2008.
This paper examines the issue of interest rates as it relates to the economy.
1,856 words (approx. 7.4 pages), 5 sources, MLA, £ 41.95
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Abstract
This paper discusses the recent economic reports and events with respect to interest rates and interest rate movements. The current state of the US economy is examined as well as the Federal Reserve handling of monetary and fiscal policy relative to the economy. Of particular importance is the Federal Reserve's strategic shift in policy from accommodative to appropriate. The writer concludes that it can be seen that interest rates are much more than one of many economic devices that the Fed has to influence the economy but is actually one of theprimary methods in which the Fed interacts and influences the direction of economic growth and expansion.
Outline:
Abstract
Introduction & Thesis
Overview of Interest Rates
Types of Interest Rates
Impact of Change in Interest Rates
Conclusion
From the Paper
"Risk structure as it relates to interest rates is essentially the relationship between the interest rates on bonds that have the same term to maturity features. This leads to an active consideration of the default risk which is the chance that a given issuer of a bond may default by not being able to make the interest payments on the bonds at completion of the term or may not be able to meet the face value payment of the bond either. This creates the default risk model which implies that as the risk associated to a bond family increase then interest rates must also increase in order to compensate for the risk premium being incurred. Thus, since corporate bonds are more prone to market failure they typically bear a higher interest rate than government bonds, for example."
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