Мар 292012
 

Банковское Золото Наполненное Вольфрамом

Неделю назад австралийская компания ABC Bullion (торговец слитками из драгоценных металлов) получила электронное письмо от своего партера, аффинажной компании

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Мар 282012
 

Сегодняшний мир потребителей — работает по технологиям, создающим продукцию, рассчитанную не на длительную эксплуатацию (как это было когда-то), а, практически, на мгновенное устаревание как морально, технологически так и физически. И вопрос даже не в некачественном сырье или неквалифицированных специалистах. Просто время сейчас такое, время потребителей.

Тоже самое сегодня происходит в личностных отношениях..., но это уже совсем другая тема. Продолжить чтение »

Мар 282012
 

For Release: September 11, 2000

FTC Releases Report on the Marketing of Violent Entertainment to Children

Study Finds Companies in Motion Picture, Music Recording and Electronic Game Industries Routinely Target Children Under 17; Retailers Make «Little Effort» to Restrict Access to Violent Material

Commission Calls for Additional Industry Steps to Improve Existing Rating Systems

The Federal Trade Commission today released its report titled «Marketing Violent Entertainment to Children: A Review of Self-Regulation and Industry Practices in the Motion Picture, Music Recording & Electronic Game Industries.» The Report was conducted in response to a request from President Clinton on June 1, 1999, as well as similar requests from Members of Congress, to answer two questions about the marketing of violent entertainment material: Do the industries promote products they themselves acknowledge warrant parental caution in venues where children make up a substantial percentage of the audience? And are these advertisements intended to attract children and teenagers? The report found that «for all three segments of the entertainment industry, the answers are plainly 'yes.'»

The report finds that while the entertainment industry has taken steps to identify content that may not be appropriate for children, the companies in those industries still routinely target children under 17 in their marketing of products their own ratings systems deem inappropriate or warrant parental caution due to violent content. The FTC found evidence of marketing and media plans that expressly target children under 17, and promote and advertise products in media outlets most likely to reach children under 17. The report also publishes an FTC survey that shows children under 17 are frequently able to buy tickets to R-rated movies without parental accompaniment and purchase music recordings and electronic games with parental advisory labels or are restricted to an older audience.

In response to these findings, the Commission recommends additional action by the industry to enhance their self-regulatory efforts. The report makes no legislative recommendations to Congress on this issue.

According to FTC Chairman Robert Pitofsky, the report illustrates clear shortcomings in industry efforts to limit access to age-inappropriate material to children. «Companies in the entertainment industry routinely undercut their own rating restrictions by target marketing violent films, records, and video games to young audiences. These industries can and should do better than this report illustrates.»

The report makes the following key findings about the marketing of violent entertainment material by the industry:

Movies: Of the 44 movies rated R for violence the Commission selected for its study, the Commission found that 35, or 80 percent, were targeted to children under 17. Marketing plans for 28 of those 44, or 64 percent, contained express statements that the films target audience included children under 17. Plans for the other seven movies were either extremely similar to the plans of the films that did identify an under-17 target audience, or they detailed plans indicating they were targeting that age group, such as promoting the film in high schools or publications with majority under-17 audiences.

Music: Of the 55 music recordings with explicit content labels the Commission selected for its review, the Commission found that all were targeted to children under 17. Marketing plans for 15, or 27 percent, expressly identified children under 17 as part of their target audience. The documents for the remaining 40 explicit-content labeled recordings did not expressly state the age of the target audience, but detailed plans indicating they were targeting that age group, including placing advertising in media that would reach a majority or substantial percentage of children under 17.

Games: Of the 118 electronic games with a Mature rating for violence, the Commission selected for its study, 83, or 70 percent, targeted children under 17. The marketing plans for 60 of these, or 51 percent, expressly included children under 17 in the target audience. Documents for the remaining 23 games showed plans to advertise in magazines or on television shows with a majority or substantial under-17 audience.

In addition to the information gathered on marketing, the FTC conducted studies from May-July 2000 on children's ability to buy violent entertainment material, which found most retailers make little effort to restrict children's access to products with violent content. Just under half the movie theaters admitted children ages 13 to 16 to R-rated films even when not accompanied by an adult. The surveys also revealed that unaccompanied children ages 13 to 16 were able to buy both explicit recordings and Mature-rated electronic games 85 percent of the time.

Self-regulation is especially critical in this area, given the First Amendment protections that prohibit government regulation of these products' content. While the industries reviewed have taken positive steps to address some of these concerns over the last year, the Commission believes that all three industries should do more to enhance their self-regulatory efforts. The industry should:

Establish or expand codes that prohibit target marketing to children and impose sanctions for violations. All three industries should improve the usefulness of their ratings and labels by establishing codes that prohibit marketing R-rated/M-rated/explicit-labeled products in media or venues with a substantial under-17 audience. In addition, the Commission suggests that each industry's trade associations monitor and encourage their members' compliance with these policies and impose meaningful sanctions for non-compliance.

Increase compliance at the retail level by checking identification or requiring parental permission before selling tickets to R movies, and by not selling or renting products labeled «Explicit» or rated R or M, to children under 17.

Increase parental understanding of the ratings and labels by including the reasons for the rating or the label in all advertising and product packaging. The Commission also calls on the industry to continue efforts to educate parents — and children — about the meanings of ratings and descriptors.

According to the Commission, implementation of these suggestions would significantly improve the present self-regulatory regimes: «Self-regulatory programs can work only if the concerned industry associations monitor compliance and ensure that violations have consequences.» In addition, the Commission believes that «continuous public oversight is also required and that Congress should continue to monitor the progress of self-regulation in this area.»

The report was approved by the Commission by a vote of 5-0.

Copies of the report are available from the FTC's web site at http://www.ftc.gov and also from the FTC's Consumer Response Center, Room 130, 600 Pennsylvania Avenue, N.W., Washington, D.C. 20580; toll-free: 877-FTC-HELP (877-382-4357); TDD for the hearing impaired 1-866-653-4261. To find out the latest news as it is announced, call the FTC NewsPhone recording at 202-326-2710.

Media Contact:

Eric London,
Office of Public Affairs
202-326-2180

Staff Contact:

Mary Engle,
Bureau of Consumer Protection
202-326-3161

(FTC Matter No. 994511)

Мар 282012
 

One of the central premises of marketing is that buying things will make us happy. There is a growing body of evidence, however, that the opposite is true: that the pressure to spend and consume actually makes people less happy. 1 “Psychologically healthy children will be made worse off if they become more enmeshed in the culture of getting and spending. Children with emotional problems will be helped if they disengage from the worlds that corporations are constructing for them.” 2 Exposure to media and marketing promotes materialistic values in children and is stressful for families.

Children Are Awash in Materialistic Values

  • This generation of children is the most brand conscious ever. 3 Teenagers today have 145 conversations about brands per week. Adults invoke brand names about half as often. 4
  • 44% of 4th through 8th graders report daydreaming “a lot” about being rich. 5
  • Over half of children say they would be happier if they had more money to buy things for themselves. Nearly that many say the only kind of job they want when they grow up is one that pays a lot. 6
  • A survey of parents found that 63% believed that their children define their self-worth in terms of what they own. 7

Children Who Are More Materialistic:

  • Are less happy, more depressed, have lower self-esteem, and report more symptoms of anxiety. 8
  • Engage in fewer positive environmental behaviors such as reusing paper, and using less water while showering. 9
  • Report less generosity and allocate less money to charity when they imagine receiving a windfall. 10

Exposure to Media and Marketing Contributes to Children’s Materialism

  • Children’s materialistic values are linked to their media use. 11
  • Materialistic values are correlated to exposure to marketing for children as young as preschoolers. 12
  • Children attending schools with the commercial TV news program Channel One are more materialistic than students from schools without it. 13

The “Nag Factor” and Family Stress

  • In 1998, a landmark market research report identified ways to help retailers exploit children’s nagging to boost sales. 14 It identified nagging as responsible for 40% of trips to entertainment establishments like Chuck E. Cheese, one out of three trips to a fast-food restaurant, and about 30% of home video sales. 15 Today, encouraging children to use “the nag factor” to get their parents to buy things is a tried and proven marketing technique. 16
  • A number of studies have demonstrated a link between children’s exposure to advertising and their purchase requests. 17 Reducing TV viewing reduces children’s requests for toys. 18
  • There is a relationship between children’s purchase requests and parent-child discord. Family conflict is also directly correlated with children’s exposure to advertising. 19
  • On average, young people aged 12-17 report asking nine times for products they’ve seen advertised before their parents give in and let them have what they want. More than 10% admitted to asking their parents more than fifty times. 20

For more information visit www.commercialfreechildhood.org.
---------

  1. Kasser, T. (2002). The high price of materialism. Cambridge, MA: MIT Press.
  2. Kasser, T. (2005). Psychometric development of brief measures of frugality, generosity, and materialism for use in children and adolescents. In: K. Moore & L. Lippman (Eds.) Conceptualizing and Measuring Indicators of Positive Development: What do children need to flourish? New York: Kluwer/Plenum. pp. 357-373.
  3. Bachmann Achenreiner, G., & Roedder John, D. (2003). The meaning of brand names to children: A developmental investigation. Journal of Consumer Psychology, 13 (3), 205–219.
  4. Heim, K. (2007, Aug 6). Teen talk is, like, totally branded. Brandweek. Retrieved August 8, 2008 from http://www.brandweek.com/bw/news/recent_display.jsp?vnu_content_id=1003621840.
  5. Stockwell, M. (2005). Childhood for sale: Consumer culture’s bid for our kids. [policy brief]. Progressive Policy Institute. p.14.
  6. Nairn, A., Ormrod, J., & Bottomley, P. (2007). Watching, wanting and well-being: Exploring the links. London, UK: National Consumer Council. P.5. Available at: http://www.ncc.org.uk/nccpdf/poldocs/NCC167rr_watching_wanting_wellbeing.pdf
  7. Center for a New American Dream. (1999, July). New poll shows marketing to kids taking its toll on parents, families. Takoma Park, MD.
  8. Schor, J. (2004). Born to Buy, New York: Scribner, p.167.
  9. Ibid.
  10. Ibid.
  11. Nairn, A., Ormrod, J., & Bottomley, P. (2007) p.6.
  12. Goldberg, M.E. & Gorn, G.J. (1978). Some unintended consequences of TV advertising to children. Journal of Consumer Research, 5 (1), 22–29.
  13. Greenberg, B.S. & Brand, J.E. (1993). Television news and advertising in schools: The “Channel One” controversy. Journal of Communication, 43 (1), 143–151.
  14. E. Morales. (2000, March). The Nag Factor: Measuring Children’s Influence. Admap, 35-37.
  15. Western Media International (1998). The fine art of whining: Why nagging is a kid’s best friend. Business Wire. August 11.
  16. Eig, J. (2001). Edible entertainment: Food companies grab kids by fancifully packaging products as toys, games. Wall Street Journal, October 24.
  17. Buijzen, M. & Valkenburg (2003). The effects of television advertising on materialism, parent–child conflict, and unhappiness: A review of research. Applied Developmental Psychology, 24, 437-456.
  18. Robinson, T.N., et al. (2001). Effects of reducing television viewing on children’s requests for toys. Developmental and Behavioral Pediatrics, 229 (3).
  19. Buijzen, M. & Valkenburg (2003).
  20. Center for a New American Dream. (2002, May) Thanks to Ads, Kids Won’t Take No, No, No, No, No, No, No, No, No for an Answer. Tacoma Park, MD.
Мар 232012
 

23 февраля вступил в силу Закон Украины «О системе гарантирования вкладов физических лиц».

Данный закон был принят с целью повышения доверия вкладчиков банковской системе Украины.

Если вкратце, то суть закона можно охарактеризовать, процитировав лишь первый абзац статьи 26, раздела 5 данного закона.

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Мар 162012
 

Наверное еще рано отправлять Уоррена Баффета на покой, люди его закалки стоят дюжину новобранцев.

Недавняя статья Уоррена Баффета с крайне противоречивым названием «Why stocks beat gold and bonds» || «Почему акции побеждают золото и облигации?», опубликованная в экономическом издании Fortune Magazine, имела противоречивый резонанс, введя в заблуждение своих читателей некорректным названием статьи. Прочитав статью, становилось очевидным, что Уоррен Баффет совершенно не намеревался содействовать продвижению акций. Говорил он о приоритете инвестиций в «производственные активы», а не об акциях как таковых. Продолжить чтение »

Мар 142012
 

Фондовый рынок

Статья получилась объемной, и это не случайно, поскольку, практически все финансовые институты (банки, управляющие компании, пенсионные фонды и страховые компании) — инвестируют наши деньги в фондовый рынок, на котором как участников, так и самих видов ценных бумаг — огромное множество. Продолжить чтение »

Мар 072012
 

8th of March 2012Дорогие наши женщины,

Flowers to 8th of March 2012Поздравляем Вас с днем женской солидарности!

Искренне желаем Вам всегда быть самими собой и жить исключительно своей жизнью — для себя любимых и в свое удовольствие. Реализовывать свой потенциал на все 110% и в результате чувствовать себя счастливой. Ибо, только будучи счастливой, Вы с легкостью сможете осчастливить всех любимых Вами людей.

Будьте счастливы! 🙂
Мар 052012
 
  • Что такое здоровье?
  • Какая связь между финансовым благополучием и здоровьем человека?
  • Стоит ли нам прививать финансовую культуру с раннего детства? Продолжить чтение »