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280 pages

Seduction by Contract, Law, Economics, and Psychology in Consumer Markets

Creator: Oren Bar-Gill | Business & Economics - 2012-08-23

Phones and Lock-In Clauses Free or discounted phones that come with most postpaid plans add another dimension of ... pricing—see Verizon Wireless, “Cell Phones—Smartphones: Cell Phone Service, Accessories—Verizon Wireless,” ...

Publisher: Oxford University Press

About this book
Consumers routinely enter into long-term contracts with providers of goods and services - from credit cards, mortgages, cell phones, insurance, TV, and internet services to household appliances, theatre and sports events, health clubs, magazine subscriptions, transportation, and more. Across these consumer markets certain design features of contracts are recurrent, and puzzling. Why do sellers design contracts to provide short-term benefits and impose long-term costs? Why are low introductory prices so common? Why are the contracts themselves so complex, with numerous fees and interest rates, tariffs and penalties? Seduction by Contract explains how consumer contracts emerge from the interaction between market forces and consumer psychology. Consumers are short-sighted and optimistic, so sellers compete to offer short-term benefits, while imposing long-term costs. Consumers are imperfectly rational, so sellers hide the true costs of products and services in complex contracts. Consumers are seduced by contracts that increase perceived benefits, without actually providing more benefits, and decrease perceived costs, without actually reducing the costs that consumers ultimately bear. Competition does not help this behavioural market failure. It may even exacerbate it. Sellers, operating in a competitive market, have no choice but to align contract design with the psychology of consumers. A high-road seller who offers what she knows to be the best contract will lose business to the low-road seller who offers what the consumer mistakenly believes to be the best contract. Put bluntly, competition forces sellers to exploit the biases and misperceptions of their customers. Seduction by Contract argues that better legal policy can help consumers and enhance market efficiency. Disclosure mandates provide a promising avenue for regulatory intervention. Simple, aggregate disclosures can help consumers make better choices. Comprehensive disclosures can facilitate the work of intermediaries, enabling them to better advise consumers. Effective disclosure would expose the seductive nature of consumer contracts and, as a result, reduce sellers' incentives to write inefficient contracts. Developing its explanation through a general framework and detailed case studies of three major consumer markets (credit cards, mortgages, and cell phones), Seduction by Contract is an accessible introduction to the law and economics of consumer contracts, and a powerful critique of current regulatory policy.



528 pages

My Samsung Galaxy S III

Creator: Steve Schwartz | Computers - 2012-11-09

Authored by Dr. Steven Schwartz, a leading expert in demystifying complex technologies, this book walks new users through every task they'll want to perform, including: * Setting up the Samsung Galaxy S III and mastering its TouchWiz touch ...

Publisher: Que Publishing

About this book
Friendly, quick, and 100% practical, My Samsung Galaxy S III is the must-have companion for every Samsung Galaxy S III user. Authored by Dr. Steven Schwartz, a leading expert in demystifying complex technologies, this book walks new users through every task they'll want to perform, including: * Setting up the Samsung Galaxy S III and mastering its TouchWiz touch interface * Placing and receiving calls  * Browsing the web with the latest mobile version of Google Chrome * Using social networks, managing contacts, and creating calendar appointments  * Send and receive email from multiple accounts * Moving data between phone and computer  * Playing and managing music  * Watching video from movies, TV, and other sources * Shooting and sharing photos and HD video * Using built-in and third-party apps for productivity and fun * Customizing and optimizing the Samsung Galaxy S III phone, services, and usage * Troubleshooting and fixing problems   Every task is presented step-by-step, using carefully annotated, full-color screenshots, all numbered so there's no chance of getting lost of confused. Everything's clearly organized in modular, self-contained chapters designed to help readers get up-and-running in no time, and keep their Samsung Galaxy S III smartphones working exactly the way they want. Throughout, the book is packed with helpful tips, lists, and quick solutions to the problems users are most likely to encounter.


Philadelphia Business Journal Book of Business Lists

Business enterprises - 2002

Bfload Verizon Wireless Joseph Mannmo president 1824 East Route 70 Cherry Hill. N J. 08003 8~ APS Wireless 610-696-0588 610-696-1912 www.apswireless. com 10 113 8 8 Wireless, phone and service accessories, and Internet ...


Accessories Directory

Cell Phone & Tablet Accessories ‐ Verizon Wireless
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Cases Accessories - Verizon Wireless
Need extra protection from the elements for your smartphone? Or do you want your smartphone to stand out in a crowd? Whether you’re accident prone or want to ...

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