introduction to consumer behavior

Ngày tải lên: 27/03/2015, 14:04

Ngày tải lên: 06/11/2015, 10:06

... their relationship with a customer The aim of these systems is to assist in building lasting customer relationships to turn customer satisfaction into customer loyalty Customer information acquired ... inability to use their knowledge of their customers to position their brands; (2) the inability to put their brands to work beyond traditional media; and (3) the inability to build necessary customer-facing ... comes to putting information to work to sell more The way to address this gap is enterprise marketing management (EMM) Enterprise because this approach to marketing is simply too important to be...

Ngày tải lên: 07/02/2013, 09:52

... business product or service has to offer potential customers; Who your customer is; How to make customers want to buy what you have to offer; and Why they will want to buy from you rather than your ... to buy your product/service? What distance are you willing to travel to sell to your customers? How many customers live within geographical limits established? How many customers are likely to ... They lost big business to foreign competitors who were more than willing to respond to those wants and needs The lesson to be learned is this: Businesses that intend to "customer center" their company,...

Ngày tải lên: 24/01/2014, 00:20

... three sets of factors: extent of education and training relevant to the career; extent of prior experience relevant to the career; and extent to which employees intend to continue to pursue work ... to encourage late-career employees to work past the normal retirement age to a “moderate” or “great extent.” Figure 15: Adoption of Strategies to Encourage Late-Career Employees to Continue to ... 13.8% to a limited extent to a moderate extent to a great extent In an effort to retain valued employees, employers may offer promotions to particular workers When asked about the extent to which...

Ngày tải lên: 23/03/2014, 02:20

... want to drive traffic to your Web site? Do you want to achieve high rankings on the search engines? Do you want to attract buyers who are looking for what you have to offer? Do you want to move ... press releases will make sense to them too And hey, if your releases generate a story about your organization, wonderful! Don’t forget to link to it from your site and to purchase the online and ... custom cartoon for you, contact him at: www.danscartoons.com E-book design is by the amazing Doug Eymer Contact Doug at www.eymer.com Please feel free to post this on your blog or email it to...

Ngày tải lên: 23/03/2014, 03:20

... English-language sources) to probe doctors’ willingness to work in rural areas and the factors that might improve retention The second involved a structured survey to establish doctors’ characteristics ... public doctors will not be permitted to own private clinics However, they will still be able to manage them or work there Posts in the public sector provide the credibility needed for a doctor to set ... want to go to work in a health facility where their colleagues will be upgraded doctors In the highland region, due to long distances and bad road conditions, doctors’ work is reported to be...

Ngày tải lên: 18/06/2014, 17:20

... from day to day and month to month It is what gives investors sleepless nights More importantly, it is what causes investors to bail out of stocks after a bad run, usually at the bottom And yet, ... the stockholder was enhanced by the ability of corporations to increase their earnings and dividends with inflation It took investors more than a generation to realize this In the process, stock ... highest past stock returns, they become the biggest stock markets and are considered the most “typical.” Looking at the winners, we tend to get a distorted view of stock returns It helps to recall...

Ngày tải lên: 20/06/2014, 20:20

... no different than buying tomatoes Most folks are sensible enough to load up when the tomatoes are selling at 40 cents per pound and to forgo them at three dollars But stocks are different If prices ... dividends, discounted to the present This is the sum at the bottom of the table: $8,225 The next step is to apply this method to stocks The primary job of the security analyst is to predict the dividend ... you would demand Let’s now return to our mine We have to decide on a discount factor to apply in each successive year to its income But before I tell you just how to estimate the DR, let’s see what...

Ngày tải lên: 20/06/2014, 20:20

... 1920, from 1929 to 1949, and from 1964 to 1984 • The stock market could crash You heard me right The most sustainable way to get high stock returns is to have a dramatic fall in stock prices Famed ... are tough During recessions, it is not unusual for the earnings of the large automakers to completely disappear So investors will 64 The Four Pillars of Investing apply a higher DR to an auto ... going to talk about real returns whenever possible For starters, the DDM tells us to expect cash to yield a zero real return, bonds to have an approximately 3% real return, and stocks in general to...

Ngày tải lên: 20/06/2014, 20:20

... innovation—stock “folios”—have been touted as an inexpensive and tax-efficient way for small investors to own portfolios of 30 to 150 stocks As you can see, these new vehicles fail to provide investors ... 1970 to 1989, the best performing stock assets were Japanese stocks, U.S small stocks, and precious metals (gold) stocks At the end of that period, MVOs began making their way to the desktops ... behavior of different kinds of portfolios, all we have to rely on is the historical record It is easy to obtain the monthly or annual returns of various classes of stock assets, feed them into...

Ngày tải lên: 20/06/2014, 20:20

... large-value stocks U.S small stocks U.S small-value stocks REITs Precious metals stocks European stocks Japanese and Pacific Rim stocks Emerging markets stocks International value stocks Short-term ... reaching in human history, profoundly affecting the lives of those from the top to the bottom of the social fabric, in ways that can hardly be Tops: A History of Manias 131 imagined today Within a ... they are liable to quite well For example, from 1973 to 1974, gold stocks gained 28% We don’t have exact returns for gold stocks from 1929 to 1932, but anecdotally, they seemed to have done quite...

Ngày tải lên: 20/06/2014, 20:20

... disturbing to one’s well-being and Tops: A History of Manias 137 judgment as to see a friend get rich.” In the past several years, to lack this sense of exhilaration is to have been asleep To recap, ... The directors took advantage of the meteoric price increase to issue several more lots of stock to the public: first for government debt, then for money The later purchasers were allowed to purchase ... who still remembered how to value stocks by traditional criteria, which told them that stocks were cheap, cheap, cheap They were the only investors with experience enough to know that severe bear...

Ngày tải lên: 20/06/2014, 20:20

... That’s not to say that growth stocks always underperform value stocks For the five years between 1995 and 1999, large growth stocks outpaced large value stocks by 10.7% per year, only to blow all ... already been factored into stock and bond prices You say that the Fed will be easing interest rates and this will be good for stocks? Well, the rest of the world knows this too, and stocks have already ... it’s far more agreeable to ascribe success to skill than to luck 170 The Four Pillars of Investing The Immediate Past Is Out to Get You The next major error that investors make is the assumption...

Ngày tải lên: 20/06/2014, 20:20

... Merrill undertook the job with relish and made it his mission to restore public confidence in the brokerage industry—in short, to “bring Wall Street to Main Street.” This was a tough row to hoe, and ... you the reverse—add to the top, subtract from the bottom So, (12,000 ϩ 150)/(10,500 Ϫ 150) ϭ 1.174; your return was 17.4% 188 The Four Pillars of Investing Try not to worry too much about short-term ... unable to beat the market, so it is unlikely that the investor with $10 million or even $1 billion will be able to so My advice to the very wealthy? Swallow your pride and make that 800 call to a...

Ngày tải lên: 20/06/2014, 20:20

... fool owns stocks.” Again, all you’ll have to is nothing Or, if you’re feeling brave, take some of your cash and buy more stocks Just because you don’t have to pay too much attention to finance ... landscape of indexing ETFs are very similar to mutual funds, except they are traded as stocks, similar to the investment trusts of the 1920s and to today’s closed-end funds The best known of these ... class relative to others In other words, if large-cap stocks are doing terribly, so too will indexing them Because of this, Vanguard’s first index fund was in the bottom quarter of all stock funds...

Ngày tải lên: 20/06/2014, 20:20

... bond) to the riskiest (all stock) All you have to to move up or down the risk/return scale is to vary the overall stock/bond ratio Recall from Chapter that it is likely that long-term stock returns ... all-taxable investor will want a higher portion of stocks than the all-sheltered investor, all other things being equal Finally, there is the all-too-common situation of the investor with only a ... spreads—around 3% to 4% Thus, even if you buy and hold these issues to maturity, you still will be paying a 1.5% to 2% “half-spread” on purchase, which amortizes out to about 0.2% to 0.3% per year,...

Ngày tải lên: 20/06/2014, 20:20

... large stocks and foreign stocks did well, and U.S small stocks and REITs did poorly So at the end of that year, to get back to equal weighting, we’d have sold some U.S large stocks and foreign stocks, ... back to 50/50 If you need more than $50,000, then you will have to sell a bit of B as well If you need less than $50,000, then you will still have to rebalance a bit from A to B to get back to ... answer to this dilemma In most circumstances, a fully-taxable investor such as Ted should probably bite the bullet and spend down the stocks first, as slowly drifting towards a 100% stock allocation...

Ngày tải lên: 20/06/2014, 20:20

... Here, diversification seemed to work a bit better The madness of the preceding 1990s was confined largely to tech stocks and to the largest growth companies, which investors saw as the new wired ... tend to be bad stock markets, and vice versa What’s going on here? In my opinion, three factors contribute to the “good economy/bad market” phenomenon First, just as the prices of the stocks ... fall to the point where they will entice investors with higher future returns, the same happens at the country level Like unglamorous stocks, unglamorous stock markets must offer higher returns to...

Ngày tải lên: 20/06/2014, 20:20