The Role Of Time Frames On Consumer Budgeting
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The Role Of Time Frames On Consumer Budgeting
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Author : Gulden Ulkumen
language : en
Publisher:
Release Date : 2007
The Role Of Time Frames On Consumer Budgeting written by Gulden Ulkumen and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007 with categories.
Budgeting Basics And Beyond
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Author : Jae K. Shim
language : en
Publisher: John Wiley & Sons
Release Date : 2011-11-01
Budgeting Basics And Beyond written by Jae K. Shim and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-11-01 with Business & Economics categories.
A convenient and up-to-date reference tool for today's financial and nonfinancial managers in public practice and private industry If the very thought of budgets pushes your sanity over the limit, then this practical, easy-to-use guide is just what you need. Budgeting Basics and Beyond, Fourth Edition equips you with an all-in-one resource guaranteed to make the budgeting process easier, less stressful, and more effective. The new edition covers rolling budgets (forecasts), activity-based budgeting, life-cycle budgeting. Cloud computing, Balanced Scorecard, budgeting for nonprofit organizations, business simulations for executive and management training, and much more! Includes several new software packages, computer-based models and spreadsheet applications, including Value Chain Management software, Financial Planning and Performance software, Web 2.0, Cloud computing, and capital budgeting software Features case studies, illustrations, exhibits, forms, checklists, graphs, samples, and worked-out solutions to a wide variety of budgeting, planning, and control problems Offers financial planning and new types of financial modeling, variance analysis, Web-based budgeting, active budgeting illuminating "what-if" analyses throughout, spreadsheet applications, break-even analysis, project analysis, and capital budgeting Budgeting Basics and Beyond, Fourth Edition is a practical, easy-to-use problem-solver and up-to-date reference tool for today's financial and nonfinancial managers in public practice and private industry.
Time In The Budget Of The Consumer
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Author : Arthur S. De Vany
language : en
Publisher:
Release Date : 1970
Time In The Budget Of The Consumer written by Arthur S. De Vany and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1970 with Consumers categories.
The purpose of the study is to develop and test a modification of the standard theory of consumer demand that yields implications concerning the consumer's allocation of time to consumption and income producing activities. Unlike the demand for leisure model, the theory does not treat leisure as a good or work as a bad. The consumer's time does not enter his utility function, only the quantities of goods consumed do. The consumer's time enters his budget constraint only. At a sufficiently high level of income, time may also become an additional constraint independent of the budget constraint. The principal hypothesis of the theory is that each good has a money price and a foregone earnings cost. (Author).
Economics And Consumer Behavior
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Author : Angus Deaton
language : en
Publisher: Cambridge University Press
Release Date : 1980-05-30
Economics And Consumer Behavior written by Angus Deaton and has been published by Cambridge University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 1980-05-30 with Business & Economics categories.
For advanced courses in economic analysis, this book presents the economic theory of consumer behavior, focusing on the applications of the theory to welfare economies and econometric analysis.
Applied Welfare Economics
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Author : Chris Jones
language : en
Publisher: OUP Oxford
Release Date : 2005-05-05
Applied Welfare Economics written by Chris Jones and has been published by OUP Oxford this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005-05-05 with Business & Economics categories.
Applied Welfare Economics uses important results in the welfare economics literature to extend a conventional Harberger cost-benefit analysis. After reviewing the properties of different welfare measures a conventional welfare equation is used to evaluate marginal policy changes in a general equilibrium economy with tax distortions. The analysis is extended to accommodate trade and income taxes, time, internationally traded goods, and non-tax distortions, including externalities, non-competitive behaviour, public goods and price quantity controls. The welfare analysis is developed in stages, and where possible is explained using diagrams, to make it more adaptable to the different institutional arrangements encountered in applied work. With this in mind, computable welfare expressions are solved using demand and supply elasticities for each good. The lump-sum transfers used in a conventional analysis to separate welfare effects are carefully examined to identify the role of the marginal social cost of public funds (MCF) in policy evaluation. The main contribution in the book is to separate income effects for marginal policy changes in the shadow value of government revenue, which converts efficiency effects into dollar changes in private surplus. It is a scaling coefficient that makes income effects irrelevant in single (aggregated) consumer economies, and conveniently isolates distributional effects in heterogeneous consumer economies. The decomposition is used to test for Pareto improvements, and to examine the separate but related roles of the shadow value of government revenue and the MCF in applied work.
Notes On Consumption Theory
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Author : Giuseppe Travaglini
language : en
Publisher: Springer Nature
Release Date :
Notes On Consumption Theory written by Giuseppe Travaglini and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on with categories.
The Impact Of Payment Timing Variations On Consumer Spending
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Author : Wendy De La Rosa
language : en
Publisher:
Release Date : 2021
The Impact Of Payment Timing Variations On Consumer Spending written by Wendy De La Rosa and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021 with categories.
Payment timing variations, or variations in the temporal patterns of when income is dispersed (Parsons and Van Wesep 2013), are a fundamental aspect of consumers' finances. However, scant research has focused on how payment timing variations impact consumers' behavior. In my dissertation, I seek to address this research gap by examining two essential sub-factors of payment timing: payment frequency (the number of times a consumer receives income within a given period) and intraweek payday timing (the day of the week in which consumers receive their income). In Chapter 1, I examine the role that payment frequency plays on consumers' spending and subjective wealth perceptions. Payment frequency is a fundamental yet underexplored feature of consumers' finances. As higher payment frequencies are becoming more prevalent, consumers are receiving more frequent yet smaller paychecks. An analysis of income and expenditure data of over 30,000 consumers from a financial services provider demonstrates a naturally occurring relationship between higher payment frequencies and increased spending. A series of lab studies support this finding, providing causal evidence that higher (vs. lower) payment frequencies increase spending. The effect of payment frequency on spending is driven by changes in consumers' subjective wealth perceptions. Specifically, higher payment frequencies reduce consumers' uncertainty in predicting whether they will have enough resources throughout a period, increasing their subjective wealth perceptions. As such, situational factors that reduce prediction uncertainty for those paid less frequently (e.g., the timing of consumers' expenses, income levels) moderate the impact of payment frequency. The effects of payment frequency on subjective wealth and spending can occur even when objective wealth favors those with lower payment frequencies. More broadly, the current work underscores a need to understand how timing variations in consumers' income impact their perceptions, behaviors, and general well-being. In Chapter 2, I examine the role of intraweek payday timing on consumers' spending and deserving justifications. Intraweek payday timing (i.e., the day of the week a consumer receives their paycheck) is a fundamental aspect of consumers' income. While consumers can receive their income on any day of the week, more than half of American workers receive their paychecks on Fridays. Surprisingly, despite the prevalence of Friday paydays, little is known about how this intraweek payday timing affects consumer spending. This research focuses on addressing this research gap and demonstrates that Friday paydays (vs. other paydays) increase consumers' total spending throughout a period. A real-world field study that manipulated the weekly paydays of 178 male Indian laborers demonstrated that a Friday payday (vs. a Monday payday) increased consumers' weekly spending by 20%. We suggest that Friday, which serves as a unique temporal landmark (marking both the beginning of the weekend and the end of the workweek), increases deserving justifications, which drive consumer spending. In line with this theorizing, the effect of a Friday payday was attenuated when Friday was no longer a unique temporal landmark (e.g., when Fridays did not mark the end of their workweek or the start of their weekend). A series of pre-registered experiments replicate the field study findings and suggest that Friday paydays increase consumers' deserving justifications, consequently increasing their spending. Across these chapters, I answer an important outstanding question in both marketing and economics. Do payment timing variations influence consumers' spending behaviors? And if so, how? The data outlined in these chapters demonstrate that payment timing variations influence consumers' perceptions and spending. These findings challenge the assumptions put forth by the Permanent Income Hypothesis (Friedman 1957), suggesting that absent any liquidity constraints, payment timing variations should not impact consumer spending. I hope that these chapters help generate new research into how different resource timing variations impact consumers. In these chapters, I analyze two types of payment timing variations (payment frequency and intraweek payday timing). Future research should focus on other payment timing variations such as income volatility (the variance in a consumers' income within a given period) or advance versus in arrears payments. Furthermore, these chapters focus on one type of consumer behavior: spending. It is important to understand the long-term impacts of these payment timing variations on other types of financial behaviors, including savings, investing, borrowing, and lending. Finally, future research might consider how the timing of other types of resources (e.g., time) impacts consumers' perceptions. Indeed, a pilot study suggests that consumers believe they have more leisure time when they receive smaller amounts of leisure time daily compared to larger amounts of leisure time once a week (see appendix O for more details). In sum, the current work underscores the need to understand the impact of different resource timing variations on consumers' perceptions, behaviors, and general well-being. Chapter 1 (De La Rosa and Tully 2021) was published in the Journal of Consumer Research. Chapter 2 (De La Rosa, Turner, Aaker and Mishra) is under review at the Journal of Consumer Research. I am the first author in each of these essays. Each chapter employs the use of first-person plural pronouns to emphasize the critical contributions made by my collaborators.
The Economics Of Saving
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Author : James H. Gapinski
language : en
Publisher: Springer Science & Business Media
Release Date : 2013-03-09
The Economics Of Saving written by James H. Gapinski and has been published by Springer Science & Business Media this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-03-09 with Business & Economics categories.
This book began when a letter reached my desk in November 1989. Written by Warren Samuels, professor of economics at Michigan State University and editor for Kluwer Academic Publishers, the letter reviewed the philosophy behind Kluwer's series on recent economic thought and accordingly expressed interest in the controversies that surround con temporary topics in the discipline. It graciously went on to invite me to organize, consonant with that philosophy, a volume of chapters on saving. Soon thereafter I learned that the chapters were to be original compositions. I also learned that I would have substantial flexibility in structuring the volume and in recruiting contributors, who logically would be authorities in the field. Succinctly, Samuels was inviting me to work with leading scholars in exploring the current controversies in saving, one of my favorite subjects. That invitation was simply too tempting to refuse. Preparation of the book's outline went smoothly. It was obvious that the statistics of saving should be covered along with the theories of saving. It was equally obvious that special issues must be addressed: Ricardian Equivalence, supply-side doctrine, and economic development among others. These themes should be handled so as to bring out the ideological tensions in the profession, and that criterion helped to shape the list of potential contributors. That is, both sides of a conflict should be represented, and both should be given the same treatment.
The Journal Of Political Economy
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Author :
language : en
Publisher:
Release Date : 1958
The Journal Of Political Economy written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1958 with categories.
Cim Coursebook Marketing Communications 07 08
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Author : Chris Fill
language : en
Publisher: Routledge
Release Date : 2013-05-13
Cim Coursebook Marketing Communications 07 08 written by Chris Fill and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-05-13 with Business & Economics categories.
BH CIM Coursebooks are crammed with a range of learning objective questions, activities, definitions and summaries to support and test your understanding of the theory. The 07/08 editions contains new case studies which help keep the student up to date with changes in Marketing Communication strategies. Carefully structured to link directly to the CIM syllabus, this Coursebook is user-friendly, interactive and relevant. Each Coursebook is accompanied by access to MARKETINGONLINE (www.marketingonline.co.uk), a unique online learning resource designed specifically for CIM students which can be accessed at any time.