Consumer Economy

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Consumer Credit and the American Economy

Author : Thomas A. Durkin
Publisher :
ISBN 13 : 0195169921
Total Pages : 737 pages
Book Rating : 4.1/5 (951 download)

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Book Synopsis Consumer Credit and the American Economy by : Thomas A. Durkin

Download or read book Consumer Credit and the American Economy written by Thomas A. Durkin and published by . This book was released on 2014 with total page 737 pages. Available in PDF, EPUB and Kindle. Book excerpt: Consumer Credit and the American Economy examines the economics, behavioral science, sociology, history, institutions, law, and regulation of consumer credit in the United States. After discussing the origins and various kinds of consumer credit available in today's marketplace, this book reviews at some length the long run growth of consumer credit to explore the widely held belief that somehow consumer credit has risen "too fast for too long." It then turns to demand and supply with chapters discussing neoclassical theories of demand, new behavioral economics, and evidence on production costs and why consumer credit might seem expensive compared to some other kinds of credit like government finance. This discussion includes review of the economics of risk management and funding sources, as well discussion of the economic theory of why some people might be limited in their credit search, the phenomenon of credit rationing. This examination includes review of issues of risk management through mathematical methods of borrower screening known as credit scoring and financial market sources of funding for offerings of consumer credit. The book then discusses technological change in credit granting. It examines how modern automated information systems called credit reporting agencies, or more popularly "credit bureaus," reduce the costs of information acquisition and permit greater credit availability at less cost. This discussion is followed by examination of the logical offspring of technology, the ubiquitous credit card that permits consumers access to both payments and credit services worldwide virtually instantly. After a chapter on institutions that have arisen to supply credit to individuals for whom mainstream credit is often unavailable, including "payday loans" and other small dollar sources of loans, discussion turns to legal structure and the regulation of consumer credit. There are separate chapters on the theories behind the two main thrusts of federal regulation to this point, fairness for all and financial disclosure. Following these chapters, there is another on state regulation that has long focused on marketplace access and pricing. Before a final concluding chapter, another chapter focuses on two noncredit marketplace products that are closely related to credit. The first of them, debt protection including credit insurance and other forms of credit protection, is economically a complement. The second product, consumer leasing, is a substitute for credit use in many situations, especially involving acquisition of automobiles. This chapter is followed by a full review of consumer bankruptcy, what happens in the worst of cases when consumers find themselves unable to repay their loans. Because of the importance of consumer credit in consumers' financial affairs, the intended audience includes anyone interested in these issues, not only specialists who spend much of their time focused on them. For this reason, the authors have carefully avoided academic jargon and the mathematics that is the modern language of economics. It also examines the psychological, sociological, historical, and especially legal traditions that go into fully understanding what has led to the demand for consumer credit and to what the markets and institutions that provide these products have become today.

The Consumer, Credit and Neoliberalism

Author : Christopher Payne
Publisher : Routledge
ISBN 13 : 1136493557
Total Pages : 249 pages
Book Rating : 4.1/5 (364 download)

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Book Synopsis The Consumer, Credit and Neoliberalism by : Christopher Payne

Download or read book The Consumer, Credit and Neoliberalism written by Christopher Payne and published by Routledge. This book was released on 2012-07-26 with total page 249 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is an investigation into the economic policy formulation and practice of neoliberalism in Britain from the 1950s through to the financial crisis and economic downturn that began in 2007-8. It demonstrates that influential economists, such as F.A. Hayek and Milton Friedman, authors at key British think tanks such as the Institute of Economic Affairs and the Centre for Policy Studies, and important political figures of the Thatcher and New Labour governments shared a similar conception of the consumer. For neoliberals, the idea that consumers were weak in the face of businesses and large corporations was almost offensive. Instead, consumers were imagined to be sovereign agents in the economy, whose consumption decisions played a central role in the construction of their human capital and in the enabling of their aspirations. Consumption, just like production, came to be viewed as an enterprising and entrepreneurial activity. Consequently, from the early 1980s until the present day, it was felt necessary that banks should have the freedom to meet the borrowing needs of consumers. Credit rationing would be a thing of the past. Just like businesses, consumers and households could use debt to expand their stock of personal assets. By utilizing the method of French philosopher Michel Foucault this book provides an original analysis of the policy ideas and political speeches of key figures in the New Right, in government and at the Bank of England. And it addresses the key question as to why policy-makers both in Britain and the United States did little or nothing to stem rising consumer and household indebtedness, instead always choosing to see increasing house prices and homeownership as a positive to be encouraged.

The Experience Economy

Author : B. Joseph Pine
Publisher : Harvard Business Press
ISBN 13 : 9780875848198
Total Pages : 276 pages
Book Rating : 4.8/5 (481 download)

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Book Synopsis The Experience Economy by : B. Joseph Pine

Download or read book The Experience Economy written by B. Joseph Pine and published by Harvard Business Press. This book was released on 1999 with total page 276 pages. Available in PDF, EPUB and Kindle. Book excerpt: This text seeks to raise the curtain on competitive pricing strategies and asserts that businesses often miss their best opportunity for providing consumers with what they want - an experience. It presents a strategy for companies to script and stage the experiences provided by their products.

A Social History of England, 1200-1500

Author : Ormrod W M Horrox Rosemary
Publisher :
ISBN 13 : 9780511648595
Total Pages : 528 pages
Book Rating : 4.6/5 (485 download)

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Book Synopsis A Social History of England, 1200-1500 by : Ormrod W M Horrox Rosemary

Download or read book A Social History of England, 1200-1500 written by Ormrod W M Horrox Rosemary and published by . This book was released on 2014-05-14 with total page 528 pages. Available in PDF, EPUB and Kindle. Book excerpt: Drawing together the very best of current historical scholarship, this book provides a comprehensive introduction to English society in the later Middle Ages. Beginning with a discussion of the historiography of the period and debates about demography, the book then explores the full breadth of English life and society.

Watchdog

Author : Richard Cordray
Publisher : Oxford University Press
ISBN 13 : 0197503012
Total Pages : 305 pages
Book Rating : 4.1/5 (975 download)

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Book Synopsis Watchdog by : Richard Cordray

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.

Consumer Law and Economics

Author : Klaus Mathis
Publisher : Springer Nature
ISBN 13 : 3030490289
Total Pages : 326 pages
Book Rating : 4.0/5 (34 download)

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Book Synopsis Consumer Law and Economics by : Klaus Mathis

Download or read book Consumer Law and Economics written by Klaus Mathis and published by Springer Nature. This book was released on 2020-08-31 with total page 326 pages. Available in PDF, EPUB and Kindle. Book excerpt: This 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 Economics

Author : Elizabeth B. Goldsmith
Publisher : Routledge
ISBN 13 : 1317539702
Total Pages : 579 pages
Book Rating : 4.3/5 (175 download)

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Book Synopsis Consumer Economics by : Elizabeth B. Goldsmith

Download or read book Consumer Economics written by Elizabeth B. Goldsmith and published by Routledge. This book was released on 2016-06-10 with total page 579 pages. Available in PDF, EPUB and Kindle. Book excerpt: From 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.

Waste to Wealth

Author : Peter Lacy
Publisher : Springer
ISBN 13 : 1137530707
Total Pages : 265 pages
Book Rating : 4.1/5 (375 download)

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Book Synopsis Waste to Wealth by : Peter Lacy

Download or read book Waste to Wealth written by Peter Lacy and published by Springer. This book was released on 2016-04-30 with total page 265 pages. Available in PDF, EPUB and Kindle. Book excerpt: Waste to Wealth proves that 'green' and 'growth' need not be binary alternatives. The book examines five new business models that provide circular growth from deploying sustainable resources to the sharing economy before setting out what business leaders need to do to implement the models successfully.

Consumer Protection in the Age of the 'Information Economy'

Author : Jane K. Winn
Publisher : Ashgate Publishing, Ltd.
ISBN 13 : 1409493210
Total Pages : 482 pages
Book Rating : 4.4/5 (94 download)

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Book Synopsis Consumer Protection in the Age of the 'Information Economy' by : Jane K. Winn

Download or read book Consumer Protection in the Age of the 'Information Economy' written by Jane K. Winn and published by Ashgate Publishing, Ltd.. This book was released on 2013-01-28 with total page 482 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume considers the impact of technological innovation on the foundations of consumer advocacy, contracting behaviour, control over intellectual capital and information privacy. A unique and timely perspective on these issues is presented by internationally renowned experts who provide novel approaches to the question of what consumer protection might consist of in the context of technological innovation.

China's Mobile Economy

Author : Winston Ma
Publisher : John Wiley & Sons
ISBN 13 : 1119127254
Total Pages : 372 pages
Book Rating : 4.1/5 (191 download)

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Book Synopsis China's Mobile Economy by : Winston Ma

Download or read book China's Mobile Economy written by Winston Ma and published by John Wiley & Sons. This book was released on 2016-11-03 with total page 372 pages. Available in PDF, EPUB and Kindle. Book excerpt: Explore the world-changing digital transformation in China China's Mobile Economy: Opportunities in the Largest and Fastest Information Consumption Boom is a cutting-edge text that spotlights the digital transformation in China. Organised into three major areas of the digital economy within China, this ground-breaking book explores the surge in e-commerce of consumer goods, the way in which multi-screen and mobile Internet use has increased in popularity, and the cultural emphasis on the mobile Internet as a source of lifestyle- and entertainment-based content. Targeted at the global business community, this lucid and engaging text guides business leaders, investors, investment banking professionals, corporate advisors, and consultants in grasping the challenges and opportunities created by China's emerging mobile economy, and its debut onto the global stage. Year 2014-15 marks the most important inflection point in the history of the internet in China. Almost overnight, the world’s largest digitally-connected middle class went both mobile and multi-screen (smart phone, tablets, laptops and more), with huge implications for how consumers behave and what companies need to do to successfully compete. As next-generation mobile devices and services take off, China’s strength in this arena will transform it from a global “trend follower” to a “trend setter.” Understand what the digital transformation in China is, and impact on global capital markets, foreign investors, consumer companies, and the global economy as a whole Explore the e-commerce consumption boom in the context of the Chinese market Understand the implications of the multi-screen age and mobile Internet for China's consumers See how mobile Internet use, its focus on lifestyle and entertainment is aligned with today's Chinese culture Learn about the mobile entertainment habits of China’s millennial generation and the corresponding new advertisement approaches The development of China’s mobile economy is one of the most important trends that will reshape the future of business, technology and society both in China and the world. China's Mobile Economy: Opportunities in the Largest and Fastest Information Consumption Boom introduces you to the digital transformation in China, and explains how this transformation has the potential to transform both China and the global consumer landscape.

Weekly Weather and Crop Bulletin

Author :
Publisher :
ISBN 13 :
Total Pages : 32 pages
Book Rating : 4.:/5 (3 download)

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Book Synopsis Weekly Weather and Crop Bulletin by :

Download or read book Weekly Weather and Crop Bulletin written by and published by . This book was released on 1994 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Intention Economy

Author : Doc Searls
Publisher : Harvard Business Press
ISBN 13 : 1422158527
Total Pages : 318 pages
Book Rating : 4.4/5 (221 download)

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Book Synopsis The Intention Economy by : Doc Searls

Download or read book The Intention Economy written by Doc Searls and published by Harvard Business Press. This book was released on 2012 with total page 318 pages. Available in PDF, EPUB and Kindle. Book excerpt: Maps out the implications of a customer-driven business revolution that's flipping the paradigm of supply and demand, and putting consumers in charge.

The Longevity Economy

Author : Joseph F. Coughlin
Publisher : PublicAffairs
ISBN 13 : 1610396650
Total Pages : 330 pages
Book Rating : 4.6/5 (13 download)

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Book Synopsis The Longevity Economy by : Joseph F. Coughlin

Download or read book The Longevity Economy written by Joseph F. Coughlin and published by PublicAffairs. This book was released on 2017-11-07 with total page 330 pages. Available in PDF, EPUB and Kindle. Book excerpt: Oldness: a social construct at odds with reality that constrains how we live after middle age and stifles business thinking on how to best serve a group of consumers, workers, and innovators that is growing larger and wealthier with every passing day. Over the past two decades, Joseph F. Coughlin has been busting myths about aging with groundbreaking multidisciplinary research into what older people actually want -- not what conventional wisdom suggests they need. In The Longevity Economy, Coughlin provides the framing and insight business leaders need to serve the growing older market: a vast, diverse group of consumers representing every possible level of health and wealth, worth about $8 trillion in the United States alone and climbing. Coughlin provides deep insight into a population that consistently defies expectations: people who, through their continued personal and professional ambition, desire for experience, and quest for self-actualization, are building a striking, unheralded vision of longer life that very few in business fully understand. His focus on women -- they outnumber men, control household spending and finances, and are leading the charge toward tomorrow's creative new narrative of later life -- is especially illuminating. Coughlin pinpoints the gap between myth and reality and then shows businesses how to bridge it. As the demographics of global aging transform and accelerate, it is now critical to build a new understanding of the shifting physiological, cognitive, social, family, and psychological realities of the longevity economy.

The Platform Economy

Author : Marc Steinberg
Publisher : U of Minnesota Press
ISBN 13 : 1452960844
Total Pages : 314 pages
Book Rating : 4.4/5 (529 download)

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Book Synopsis The Platform Economy by : Marc Steinberg

Download or read book The Platform Economy written by Marc Steinberg and published by U of Minnesota Press. This book was released on 2019-02-26 with total page 314 pages. Available in PDF, EPUB and Kindle. Book excerpt: Offering a deeper understanding of today’s internet media and the management theory behind it Platforms are everywhere. From social media to chat, streaming, credit cards, and even bookstores, it seems like almost everything can be described as a platform. In The Platform Economy, Marc Steinberg argues that the “platformization” of capitalism has transformed everything, and it is imperative that we have a historically precise, robust understanding of this widespread concept. Taking Japan as the key site for global platformization, Steinberg delves into that nation’s unique technological and managerial trajectory, in the process systematically examining every facet of the elusive word platform. Among the untold stories revealed here is that of the 1999 iPhone precursor, the i-mode: the world’s first widespread mobile internet platform, which became a blueprint for Apple and Google’s later dominance of the mobile market. Steinberg also charts the rise of social gaming giants GREE and Mobage, chat tools KakaoTalk, WeChat, and LINE, and video streaming site Niconico Video, as well as the development of platform theory in Japan, as part of a wider transformation of managerial theory to account for platforms as mediators of cultural life. Analyzing platforms’ immense impact on contemporary media such as video streaming, music, and gaming, The Platform Economy fills in neglected parts of the platform story. In narrating the rise and fall of Japanese platforms, and the enduring legacy of Japanese platform theory, this book sheds light on contemporary tech titans like Facebook, Google, Apple, and Netflix, and their platform-mediated transformation of contemporary life—it is essential reading for anyone wanting to understand what capitalism is today and where it is headed.

A Consumers' Republic

Author : Lizabeth Cohen
Publisher : Vintage
ISBN 13 : 0307555364
Total Pages : 578 pages
Book Rating : 4.3/5 (75 download)

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Book Synopsis A Consumers' Republic by : Lizabeth Cohen

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.

Inflation Expectations

Author : Peter J. N. Sinclair
Publisher : Routledge
ISBN 13 : 1135179778
Total Pages : 402 pages
Book Rating : 4.1/5 (351 download)

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Book Synopsis Inflation Expectations by : Peter J. N. Sinclair

Download or read book Inflation Expectations written by Peter J. N. Sinclair and published by Routledge. This book was released on 2009-12-16 with total page 402 pages. Available in PDF, EPUB and Kindle. Book excerpt: Inflation is regarded by the many as a menace that damages business and can only make life worse for households. Keeping it low depends critically on ensuring that firms and workers expect it to be low. So expectations of inflation are a key influence on national economic welfare. This collection pulls together a galaxy of world experts (including Roy Batchelor, Richard Curtin and Staffan Linden) on inflation expectations to debate different aspects of the issues involved. The main focus of the volume is on likely inflation developments. A number of factors have led practitioners and academic observers of monetary policy to place increasing emphasis recently on inflation expectations. One is the spread of inflation targeting, invented in New Zealand over 15 years ago, but now encompassing many important economies including Brazil, Canada, Israel and Great Britain. Even more significantly, the European Central Bank, the Bank of Japan and the United States Federal Bank are the leading members of another group of monetary institutions all considering or implementing moves in the same direction. A second is the large reduction in actual inflation that has been observed in most countries over the past decade or so. These considerations underscore the critical – and largely underrecognized - importance of inflation expectations. They emphasize the importance of the issues, and the great need for a volume that offers a clear, systematic treatment of them. This book, under the steely editorship of Peter Sinclair, should prove very important for policy makers and monetary economists alike.

Consumer Economy

Author : Fouad Sabry
Publisher : One Billion Knowledgeable
ISBN 13 :
Total Pages : 246 pages
Book Rating : 4.:/5 (661 download)

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Book Synopsis Consumer Economy by : Fouad Sabry

Download or read book Consumer Economy written by Fouad Sabry and published by One Billion Knowledgeable. This book was released on 2023-12-25 with total page 246 pages. Available in PDF, EPUB and Kindle. Book excerpt: What is Consumer Economy An economy that is driven by consumer spending as a percentage of its gross domestic product is referred to as a consumer economy. This is in contrast to the other major components of GDP, which are consumer spending only. How you will benefit (I) Insights, and validations about the following topics: Chapter 1: Consumer economy Chapter 2: Economy of Eritrea Chapter 3: Gross domestic product Chapter 4: Macroeconomics Chapter 5: Recession Chapter 6: Measures of national income and output Chapter 7: Fiscal multiplier Chapter 8: GDP deflator Chapter 9: Bureau of Economic Analysis Chapter 10: Aggregate demand Chapter 11: Real gross domestic product Chapter 12: Consumption (economics) Chapter 13: Consumer spending Chapter 14: BRIC Chapter 15: Net domestic product Chapter 16: Gross output Chapter 17: Gross value added Chapter 18: VISTA (economics) Chapter 19: Foreign trade of the United States Chapter 20: Middle income trap Chapter 21: Abenomics (II) Answering the public top questions about consumer economy. (III) Real world examples for the usage of consumer economy in many fields. (IV) Rich glossary featuring over 1200 terms to unlock a comprehensive understanding of consumer economy. (eBook only). Who will benefit Professionals, undergraduate and graduate students, enthusiasts, hobbyists, and those who want to go beyond basic knowledge or information for any kind of consumer economy.