Stock Market Analysis and Personal Finance Mr. Bernstein Consumer Purchasing and Protection, pp 88-112 March 24, 2015.

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Presentation transcript:

Stock Market Analysis and Personal Finance Mr. Bernstein Consumer Purchasing and Protection, pp March 24, 2015

Stock Market Analysis & Personal Finance Mr. Bernstein Researching Consumer Purchases Before You Shop Identify Your Needs: Know Why You Might Buy Gather Information: People, Ads, Reports, Internet Be Aware of the Marketplace: Different ways of obtaining product Different variations of the product Different financing methods Trends in the Product (Innovations, Pricing) 2

Stock Market Analysis & Personal Finance Mr. Bernstein Weighing the Alternatives Identify the features you value Do comparison shopping Examples: Price, Location or Speed of Delivery, Durability, Product Warranty Consumer Reports 3

Stock Market Analysis & Personal Finance Mr. Bernstein Making the Purchase Paying Cash Loan or Financing Lease 4

Stock Market Analysis & Personal Finance Mr. Bernstein After the Purchase Warranty: Written Guarantee of Product Capability, with terms of return Implied Warranties Service Contracts, or Extended Warranties 5

Stock Market Analysis & Personal Finance Mr. Bernstein Sources of Complaints Fraud – dishonest advertising…” If it seems too good to be true…it probably is” Attempt to work in good faith with the business Document the process Other legal methods are available: Small Claims Court, Mediation/Arbitration, Class-Action Suits (ie InBev) 6