The Constitution of Consumption Food Labeling and the Politics of Consumerism
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Financial Literacy: an Essential Tool for Informed Consumer Choice?
NBER WORKING PAPER SERIES FINANCIAL LITERACY: AN ESSENTIAL TOOL FOR INFORMED CONSUMER CHOICE? Annamaria Lusardi Working Paper 14084 http://www.nber.org/papers/w14084 NATIONAL BUREAU OF ECONOMIC RESEARCH 1050 Massachusetts Avenue Cambridge, MA 02138 June 2008 I would like to thank Keith Ernst, Howell Jackson, Kevin Rhein, Peter Tufano, and participants to the conference "Understanding Consumer Credit: A National Symposium on Expanding Access, Informing Choices, and Protecting Consumers," Harvard Business School, November 2007, and the conference "Consumer Information and the Mortgage Market," Federal Trade Commission, Washington, D.C., May 2008 for suggestions and comments. This paper builds on several projects I have written in collaboration with Olivia Mitchell, whom I would like to thank for her encouragement, support, and many suggestions. Audrey Brown provided excellent research assistance. Any errors are my responsibility. This paper was written while visiting Harvard Business School and I would like to thank them, and in particular Peter Tufano, for their hospitality. The views expressed herein are those of the author(s) and do not necessarily reflect the views of the National Bureau of Economic Research. NBER working papers are circulated for discussion and comment purposes. They have not been peer- reviewed or been subject to the review by the NBER Board of Directors that accompanies official NBER publications. © 2008 by Annamaria Lusardi. All rights reserved. Short sections of text, not to exceed two paragraphs, may be quoted without explicit permission provided that full credit, including © notice, is given to the source. Financial Literacy: An Essential Tool for Informed Consumer Choice? Annamaria Lusardi NBER Working Paper No. -
Transcript 09-18-2014
Page 1 1 TOWNSHIP OF CHATHAM BOARD OF ADJUSTMENT 2 PUBLIC HEARING 3 4 5 IN RE: NEW CINGULAR WIRELESS, * SEPTEMBER 18, 2014 6 PCS, LLC (AT&T) 63 * 7 BUXTON ROAD, BLOCK 62, * 8 LOT 105 * 9 - - - - - - - - - - -* 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Job No. CS1900209 Veritext Corporate Services 800-567-8658 973-410-4040 Page 2 1 T R A N S C R I P T of the stenographic notes of 2 the proceedings in the above-entitled matter as 3 taken by and before LATITISA RUSSELL, CCR 4 #30XI00234100, RPR and Notary Public of the State 5 of New Jersey, held at the Township of Chatham 6 Municipal Building, 58 Meyersville Road, Chatham, 7 New Jersey, September 18, 2014 commencing at 8 approximately 8:15 p.m. 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Veritext Corporate Services 800-567-8658 973-410-4040 Page 3 1 A P P E A R A N C E S: 2 3 PINILIS HALPERN, LLP 4 BY: JUDITH FAIRWEATHER, ESQUIRE 5 160 Morris Street 6 Morristown, New Jersey 07960 7 Counsel for the Applicant 8 9 STEPHEN H. SHAW, ESQUIRE 10 Counsel for the Board 11 12 BOARD MEMBERS: 13 Tony Vivona, Chairman 14 John Weston 15 Kathryn Surmay Kenny 16 Richard Williams 17 Glen Nelson 18 Tina Romano 19 Thomas Polise, Alt #1 20 William Styple, Alt #2 21 John K. Ruschke, Board Engineer 22 Robert A. Michaels, Board Planner 23 Kali Tsimboukis, Board Secretary 24 25 Veritext Corporate Services 800-567-8658 973-410-4040 Page 4 1 - - - 2 I N D E X 3 - - - 4 WITNESS DIRECT CROSS 5 Jim Dowling 6 By: Ms. -
Sacrificing Privacy for Convenience: the Need for Stricter FTC Regulations in an Age of Smartphone Surveillance
Journal of the National Association of Administrative Law Judiciary Volume 34 Issue 2 Article 6 12-15-2014 Sacrificing Privacy for Convenience: The Need for Stricter FTC Regulations in an Age of Smartphone Surveillance Ashton McKinnon Follow this and additional works at: https://digitalcommons.pepperdine.edu/naalj Part of the Administrative Law Commons, Consumer Protection Law Commons, Privacy Law Commons, and the Science and Technology Law Commons Recommended Citation Ashton McKinnon, Sacrificing Privacy for Convenience: The Need for Stricter FTC Regulations in an Age of Smartphone Surveillance, 34 J. Nat’l Ass’n Admin. L. Judiciary 484 (2014) Available at: https://digitalcommons.pepperdine.edu/naalj/vol34/iss2/6 This Comment is brought to you for free and open access by the Caruso School of Law at Pepperdine Digital Commons. It has been accepted for inclusion in Journal of the National Association of Administrative Law Judiciary by an authorized editor of Pepperdine Digital Commons. For more information, please contact [email protected], [email protected], [email protected]. Sacrificing Privacy for Convenience: The Need for Stricter FTC Regulations in an Age of Smartphone Surveillance By Ashton McKinnon* TABLE OF CONTENTS I. INTRODUCTION ......................................................................... 486 II. THE SMARTPHONE .................................................................... 488 III. APPS ........................................................................................ -
Consumer Culture and Postmodernism
Consumer Culture and Postmodernism Prasidh Raj SINGH1 2 Abstract: Postmodernism is a variety of meanings and definitions, is used to refer to many aspects of social life from musical forms and styles, literature and fine art through to philosophy, history and especially the mass media and consumer culture. Post modernism is a slippery term that is used by writers to refer to several different things. Featherstone (1991) points out the term has been used to refer to new developments in intellectual and cultural theory. The suggestion that our subjective experience of everyday life and our sense of identity has somehow changed significantly in recent years. The view that capitalist or industrial societies have reached new and important stages in their development, the shift from modernity to post-modernity. Consumer culture is also play a vital role in the society, consumer culture may be defined as a day to day change in the taste of consumer behaviour. The term “consumer culture” refers to cultures in which mass consumption and production both fuel the economy and shape perceptions, values, desires, and constructions of personal identity. Economic developments, demographic trends, and new technologies profoundly influence the scope and scale of consumer culture. Social class, gender, ethnicity, region, and age all affect definitions of consumer identity and attitudes about the legitimacy of consumer centred lifestyle. Keywords: Postmodernism, Consumer culture, Modernity, Consumer identity, Ethnicity 1 Prasidh Raj SINGH – Student at National Law University, Orissa India, Email : [email protected] , Mobile no. +9583237911 2 Paper presented at the International Scientific Conference "Logos Universality Mentality Education Novelty" organized by the Lumen Research Center in Humanistic Sciences in partnership with the Romanian Academy, Iasi Branch - "AD Xenopol" Institute, "Al. -
Russell Hitchcock
Published by Hybrid Global Publishing 301 E 57th Street, 4th fl New York, NY 10022 Copyright © 2019 by Craig Duswalt All rights reserved. No part of this book may be reproduced or transmitted in any form or by in any means, electronic or mechanical, including photocopying, recording, or by any information storage and retrieval system, without the written permission of the Publisher, except where permitted by law. Manufactured in the United States of America, or in the United Kingdom when distributed elsewhere. Duswalt, Craig RockStars: Inspirational Stories of Success by 100 of the Top Business Leaders, Athletes, Celebrities, and RockStars in the World ISBN: 978-1-948181-67-9 eBook: 978-1-948181-68-6 Cover design and Photoshop work: Joe Potter Interior design: Claudia Volkman Craig Duswalt Photo : Robert John Disclaimer: The purpose of the book is to educate and entertain. The authors or publisher do not guarantee that anyone following the techniques, suggestions, tips, ideas, or strategies will become successful. The authors and publisher shall have neither liability or responsibility to anyone with respect to any loss or damage caused, or alleged to be caused directly or indirectly by the information contained in this book. TABLE OF CONTENTS Featured Authors Introduction and What Is on Your Bucket List? – Craig Duswalt Making a Difference in the World – Leigh Steinberg I’m Still Standing – Russell Hitchcock Man of Steel – Dean Cain The Best – Bo Eason Win/Win – Natasha Duswalt Workforce Reduction into Lemonade – Derrick Hall A High School Break – Ray Parker Jr. A Babysitter and a Firefighter – Jeffrey Finn Gal with a Clipboard – Dawn Eason Full Circle – Garrett Gunderson Forgiving the Unforgivable – Captain Charlie Plumb “Teamwork, Tone, Tenacity” Triumphs Over Stage IV Cancer – RADM Paul Becker High Hopes for Your Future – Les Brown Jr. -
AP Macroeconomics: Vocabulary 1. Aggregate Spending (GDP)
AP Macroeconomics: Vocabulary 1. Aggregate Spending (GDP): The sum of all spending from four sectors of the economy. GDP = C+I+G+Xn 2. Aggregate Income (AI) :The sum of all income earned by suppliers of resources in the economy. AI=GDP 3. Nominal GDP: the value of current production at the current prices 4. Real GDP: the value of current production, but using prices from a fixed point in time 5. Base year: the year that serves as a reference point for constructing a price index and comparing real values over time. 6. Price index: a measure of the average level of prices in a market basket for a given year, when compared to the prices in a reference (or base) year. 7. Market Basket: a collection of goods and services used to represent what is consumed in the economy 8. GDP price deflator: the price index that measures the average price level of the goods and services that make up GDP. 9. Real rate of interest: the percentage increase in purchasing power that a borrower pays a lender. 10. Expected (anticipated) inflation: the inflation expected in a future time period. This expected inflation is added to the real interest rate to compensate for lost purchasing power. 11. Nominal rate of interest: the percentage increase in money that the borrower pays the lender and is equal to the real rate plus the expected inflation. 12. Business cycle: the periodic rise and fall (in four phases) of economic activity 13. Expansion: a period where real GDP is growing. 14. Peak: the top of a business cycle where an expansion has ended. -
Profiling and Targeting Consumers in the Internet of Things – a New Challenge for Consumer Law
Profiling and targeting consumers in the Internet of Things – A new challenge for consumer law Prof. Dr. Natali Helberger, Institute for Information Law, University of Amsterdam I. Introduction “The door refused to open. It said, “Five cents, please.” He searched his pockets. No more coins; nothing. ‘I’ll pay you tomorrow,’ he told the door. Again he tried the knob. Again it remained locked tight. ‘What I pay you,’ he informed it, ‘is in the nature of a gratuity; I don’t have to pay you.’ ‘I think otherwise,’the door said. ‘Look in the purchase contract you signed when you bought this conapt.’ … From the drawer beside the sink Joe Chip got a stainless steel knife; with it he began systematically to unscrew the bolt assembly of his apt’s money gulping door. ‘I’ll sue you,’th door said as the first screw fell out. Joe chip said, ‘I’ve never been sued by a door. But I guess I can live through it.’1 Having a legal debate with one’s door sounds very much like a vision from a hopefully very hypothetical future – like the one the science fiction author Philip K. Dick described in his novel. And yet, today, almost 50 years after Dick has first published Ubik, this future does not sound that hypothetical or even far away anymore. This chapter will argue that there is a role for consumer law to make sure that we do not have to have conversations like these with our doors, toasters or other smart appliances in the Internet of Things. -
Part 1: the Ecology of the Image
PART 1: THE ECOLOGY OF THE IMAGE Figure 1: Figure-ground reversal: the face-vase illusion (original design by Edgar Rubin). Ian E. Gordon, Theories of Visual Perception (Chichester: John Wiley & Sons, 1989) 53. 2 PART 1: THE ECOLOGY OF THE IMAGE …no denser or more tacit form of communication, no shaping or organising force more comprehensive or more insidiously embedded in our lifeworld than images. They make up the true lingua franca of commerce, politics, and psyche; they are the ‘cloaking devices’ par excellence of the human social world. (Sanford Kwinter)1 One must see, at first sight, what does not let itself be seen. And this is invisibility itself. For what first sight misses is the invisible. The flaw, the error of first sight is to see, and to not notice the invisible. (Jacques Derrida)2 …nothing seems more important than to debate the ecological role and character of images. (Andrew Ross)3 Don’t worry sweetheart — it’s just a movie. (Anon) INTRODUCTION 4 SNAP SHOT: AN ACCIDENT IN SLOW MOTION I am sitting in a Holden car designed in 1966, travelling down a highway on an extremely hot day at fifty miles per hour. The luxurious design of the interior (beautifully preserved by the car’s owner) speaks of a familiar car culture even though the detailing has changed. Something is, nonetheless, 1 Sanford Kwinter in his introduction to Bruce Mau, Life Style (London: Phaidon, 2000) 36. 2 Jacques Derrida, Specters of Marx: the state of the debt, the work of mourning, and the New International, trans. -
DOCUMENT RESUME Family and Consumer Sciences. a Maryland
DOCUMENT RESUME ED 399 420 CE 072 537 TITLE Family and Consumer Sciences. A Maryland Curricular Framework. INSTITUTION Maryland State Dept. of Education, Baltimore. Div. of Career Technology and Adult Learning. PUB DATE 96 NOTE 66p. PUB TYPE Guides Classroom Use Teaching Guides (For Teacher)(052) EDRS PRICE MF01/PC03 Plus Postage. DESCRIPTORS Behavioral Objectives; *Competence; Competency Based Education; *Consumer Education; *Curriculum Development; Educational Assessment; *Educational Philosophy; Evaluation Methods; *Family Life Education; *Home Economics; Secondary Education; State Curriculum Guides; Student Evaluation IDENTIFIERS *Maryland ABSTRACT This curricular framework is designed to assist administrators and teachers in planning, developing, and implementing family and consumer sciences programs in Maryland. It provides a philosophical foundation and a broad outline from which educators may construct comprehensive family and consumer sciences programs. The materials will aid local school systems in planning local curricula, developing a local philosophy, defining a local scope and sequence, evaluating the extent to which the goals and subgoals are contained in current curricular offerings, and identifying needed curricular content and instructional strategies. The document is organized into seven sections:(1) philosophy--definition of the nature of family and consumer sciences education and description of its relationship to society, the learner, and the school curriculum;(2) family and consumer sciences learner outcomes;(3) goals and subgoals (broad statements of desired outcomes, derived from the philosophy); (4) expectancies (statements that specify the expected behaviors within each subgoal);(5) illustrative objectives;(6) curriculum development and assessment (how to develop and use goals, subgoals, and expectancies in the preparation of family and consumer sciences instructional units, scopes, and sequences); and (7) authentic instructional assessments. -
Research Archive
View metadata, citation and similar papers at core.ac.uk brought to you by CORE provided by University of Hertfordshire Research Archive Research Archive Citation for published version: Catulli, M., Cook, M. and Potter, S., ‘Product Service Systems Users and Harley Davidson Riders: The Importance of Consumer Identity in the Diffusion of Sustainable Consumption Solutions’, Journal of Industrial Ecology, December 2016. Published by Wiley. DOI: https://doi.org/10.1111/jiec.12518 Document Version: This is the Accepted Manuscript version. The version in the University of Hertfordshire Research Archive may differ from the final published version. Users should always cite the published version of record. Copyright and Reuse: © 2016 by Yale University. This article may be used for non- commercial purposes in accordance with Wiley Terms and Conditions for Self-Archiving. Enquiries If you believe this document infringes copyright, please contact the Research & Scholarly Communications Team at [email protected] PSS Users and Harley Davidson Riders: the importance of consumer identity in the diffusion of sustainable consumption solutions Summary This paper sets out an approach to researching socio-cultural aspects of Product Service Systems (PSS) consumption in consumer markets. PSS are relevant to Industrial Ecology as they may form part of the mix of innovations that move society toward more sustainable material and energy flows. The paper uses two contrasting case studies drawing on ethnographic analysis, Harley Davidson motorcycles and Zip Car Car Club, one a case of consumption involving ownership, the other without. The analysis draws on Consumer Culture Theory to explicate the socio- cultural, experiential, symbolic and ideological aspects of these case studies, focusing on product ownership. -
Durham Research Online
View metadata, citation and similar papers at core.ac.uk brought to you by CORE provided by Durham Research Online Durham Research Online Deposited in DRO: 22 August 2019 Version of attached le: Accepted Version Peer-review status of attached le: Peer-reviewed Citation for published item: Obiegbu, J and Larsen, G and Ellis, N (2019) 'Experiential brand loyalty : towards an extended conceptualization of consumer allegiance to brands.', Marketing theory. Further information on publisher's website: https://journals.sagepub.com/home/mtq Publisher's copyright statement: Additional information: Use policy The full-text may be used and/or reproduced, and given to third parties in any format or medium, without prior permission or charge, for personal research or study, educational, or not-for-prot purposes provided that: • a full bibliographic reference is made to the original source • a link is made to the metadata record in DRO • the full-text is not changed in any way The full-text must not be sold in any format or medium without the formal permission of the copyright holders. Please consult the full DRO policy for further details. Durham University Library, Stockton Road, Durham DH1 3LY, United Kingdom Tel : +44 (0)191 334 3042 | Fax : +44 (0)191 334 2971 http://dro.dur.ac.uk Experiential Brand Loyalty: Towards an Extended Conceptualisation of Consumer Allegiance to Brands James Obiegbu, Durham University Gretchen Larsen, Durham University Nick Ellis, Durham University 19 July 2019 Forthcoming in Marketing Theory Abstract This paper synthesises experiential and meaning-based dimensions of loyalty in order to extend the brand loyalty canon. -
A Narrative Study
Abilene Christian University Digital Commons @ ACU Electronic Theses and Dissertations Electronic Theses and Dissertations 10-2020 Urban School Leaders and Community Partners in Support of Arts Education: A Narrative Study Monica L. Elmore [email protected] Follow this and additional works at: https://digitalcommons.acu.edu/etd Part of the Art Education Commons Recommended Citation Elmore, Monica L., "Urban School Leaders and Community Partners in Support of Arts Education: A Narrative Study" (2020). Digital Commons @ ACU, Electronic Theses and Dissertations. Paper 266. This Dissertation is brought to you for free and open access by the Electronic Theses and Dissertations at Digital Commons @ ACU. It has been accepted for inclusion in Electronic Theses and Dissertations by an authorized administrator of Digital Commons @ ACU. This dissertation, directed and approved by the candidate’s committee, has been accepted by the College of Graduate and Professional Studies of Abilene Christian University in partial fulfillment of the requirements for the degree Doctor of Education in Organizational Leadership Dr. Joey Cope, Dean of the College of Graduate and Professional Studies Date: 10/9/2020 Dissertation Committee: Dr. Antonina Lukenchuk Dr. Amy Barrios Dr. Simone Elias Doc ID: b3042f19fdd698f88854fe6a59a383d25bd3ebe3 Abilene Christian University School of Educational Leadership Urban School Leaders and Community Partners in Support of Arts Education: A Narrative Study A dissertation submitted in partial satisfaction of the requirements for the degree of Doctor of Education in Organizational Leadership by Monica L. Elmore October 2020 i Dedication For my two daughters, Jasmine Therese and Julia Rose, I dedicate this dissertation to you as a testament of what can be achieved through faith in God, dedication, and hard work.