Empowering Consumers

Empowering Consumers

Author: United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations

Publisher:

Published: 2010

Total Pages: 112

ISBN-13:

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Empowering Consumers with How Totorials

Empowering Consumers with How Totorials

Author: John Callahan

Publisher: EC360

Published: 2007

Total Pages: 168

ISBN-13: 1598009710

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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.


Consumer Policy Toolkit

Consumer Policy Toolkit

Author: OECD

Publisher: OECD Publishing

Published: 2010-07-09

Total Pages: 126

ISBN-13: 9264079661

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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.


Watchdog

Watchdog

Author: Richard Cordray

Publisher: Oxford University Press

Published: 2020-02-03

Total Pages: 305

ISBN-13: 0197503012

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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.


The Opt-Out Effect

The Opt-Out Effect

Author: Gerald E. Smith

Publisher: FT Press

Published: 2015-12-18

Total Pages: 265

ISBN-13: 0134191587

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&>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


Variable Generation, Flexible Demand

Variable Generation, Flexible Demand

Author: Fereidoon Sioshansi

Publisher: Academic Press

Published: 2020-11-15

Total Pages: 596

ISBN-13: 0128241918

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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


The Transformational Consumer

The Transformational Consumer

Author: Tara-Nicholle Nelson

Publisher: Berrett-Koehler Publishers

Published: 2017-03

Total Pages: 176

ISBN-13: 1626568847

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This book uses stories and case studies from several industries to show how companies can rethink their customers, products and services, marketing, competition, and even their culture. The goal is a positive customer relationship that results in revenue growth, product innovation, and employee engagement.


Unscaled

Unscaled

Author: Hemant Taneja

Publisher: PublicAffairs

Published: 2018-03-27

Total Pages: 250

ISBN-13: 1610398130

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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.


Empowering the Great Energy Transition

Empowering the Great Energy Transition

Author: Scott Valentine

Publisher: Columbia University Press

Published: 2019-12-17

Total Pages: 306

ISBN-13: 0231546424

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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.