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Consumers are individuals or households that consume goods and services produced within the economy. Since this includes just about everyone, the term is a political and economic term used in everyday speech. Typically when business people and economists talk of consumers they are referring to persons, specifically an aggregated commodity item with little individuality other than that expressed in the decision to buy not buy specific goods and services. However, there is a trend in marketing nowadays to individualize the concept. Instead of generating broad demographic profile and psychographic profiles of market segments, marketers are now engaged in personalized marketing, permission marketing, and mass customization. A consumer is assumed to have a budget, which can be spent on a range of goods and services available in the market. Under the assumption of rationality, budget allocation is chosen according to the preference of the consumer.
In the context of mental health, the term consumer also describes a person with mental illness. This should not be taken in the literal sense. These are the people seeking help to improve their mental profile. They seek help to get their lives back on track and achieve their goals at the same time. A major concern of many consumers is weight. Many are frustrated because. Despite their best intentions, they seem unable to adhere to exercise or "diet" programs. If this is one of your concerns as consumer, there are proven strategies that you use to become successful. Here are some strategies to improve this particular aspect of your lifestyle: 1) First, make a plan and make sure it fits your lifestyle. For example, if you are planning to start an exercise program, think ahead about how you are going to carve out the time in your already busy life. 2) Make the exercise program a regular and daily part of your routine. 3) It is often a good idea to ask for help from those around you for your endeavors. Getting the support of your family, friends, and co-workers will increase the odds of success. Remember that most of the changes you make, whether changing what you eat or fit in the schedule to include exercise, will affect those around you. One of the best examples of this is the difficulty that smokers have trying to quit when those around them are smoking. It is also possible that you will encounter failure in a "proven" program that has succeeded for many others. It is possible that you will fail to produce the results you want and may become discouraged or filled with self-doubt. Many factors can affect the success of self-help techniques. These techniques may either lead to failure while some steps can make you feel good about yourself regardless of the result. Like any other field, the "experts" in self-help disagree on just about everything! Always remember this: focus on learning the lessons what worked well for people with success stories. Look at the specific actions steps they took and focus on the positive results that they got. You may be on the verge of a possible pathway to success!
The Power of Internal Motivation to Effect Company GrowthIn an episode of the animated TV show Teen Titans, two teen superheroes wonder how they can change the TV channel without the remote, until one of their fellow titans shouts: "Simple. You just get up and change the channel." Change in business is rarely so easy. And to an entrepreneur whose plans are blocked by employees who won't modify their mindsets, it can seem almost impossible. But changing people's attitudes and values are frequently required for sweeping organizational change, such as switching a company's business model or moving from a 'seat of the pants' enterprise to one run by more formal systems. Fortunately, many entrepreneurs have been there before, so the process of accomplishing change by changing people's minds is now well-understood. A four-step process based on research by consulting firm McKinsey & Co will help you understand this better. 1) Convince people of the need for change. Assume you'll face obstacles, and find out what's behind the resistance. Are they averse to risk? Do they feel their jobs will be threatened? Are they just unconvinced there's a need for change? Objective data can soothe fears. When employees see the logic of your actions, they will become willing to try new procedures. 2) Recognize and reward the behavior you want. On the other side, punish or at least don't reward undesirable behavior. There are many ways to do this, from changing bonus structures to instituting new employee awards tailored to your new goals. Don't assume money is the only or best motivator. Financial rewards can be seen as buying cooperation, or some form of bribery. Non-financial rewards can be more effective. 3) Provide role models for change. The way, employees can see someone they admire engaging in the desired behavior. Don't expect your people to follow someone else. The leaders of the change effort should not be external consultants but the senior leaders in the organization themselves. They should be the ones out front, teaching, leading and facilitating. 4) Make sure your people have the necessary skills to implement change. Learning the new skills required for major organizational change is likely to be different from the ordinary training project. You have to get people to un-learn they old behavior and then learn new behavior. Reluctant students can block learning, as well, of course. You can increase their willingness by modifying the environment in which they learn, but don't just spruce up the company classroom. Instead, apply the polish to your products, services and overall company image especially as viewed by your employees. When workers see change in these important elements, they realize that they will have to change, too, and they'll be more agreeable to acquiring new skills. While you're changing people's mindsets, don't neglect your own. Business change is hardly ever as easy as surfing to a new TV channel, and it's always hard right after you've gone through change. The bad news is, you might be successful. That's when you get into trouble, because the biggest task is maintaining momentum. Change isn't a event; it's a process.
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In 'time series' models of consumer behavior, the consumer may also invest a portion of their budget for future investments. This investment choice may include fixed-rate interest or risk-bearing securities.
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