FINANCIAL PRIVACY FOR FREE? US CONSUMERS’ RESPONSE TO FACTA pot

... the opportunity or how to take advantage of it played an important role (Figure 6). DRAFT – VERY PRELIMINARY 19 FINANCIAL PRIVACY FOR FREE? US CONSUMERS’ RESPONSE TO FACTA DRAFT – VERY PRELIMINARY ... reaction to FACTA can tell us about consumers’ incentives to monitor their credit report and protect their financial data. Since protection against identity theft is often linked to financial privacy, ... question is important for several reasons: to evaluate the performance of a large-scale regulatory intervention in the area of financial information and financial privacy; to address possible...

... http://www.ryanhache.com/how -to- attract-new-customers-on-facebook.htmlHow to Attract New Customers on Facebook for Free Today i’m excited t o share with you what i’ve learned about attracting andengaging new customers ... Marketing System you can use to email yourcust omers using email best practices and collect new potential prospects from yourfacebook page.3. Use in st ore promot ionsUse in store signage, t-shirts, ... inserts, whatever is fitting for our business. Make sure to refer to your offer, you want to keep leading with your irresistible offer to give them a reason to go to your fan page.4. Add your...

... 0‐12**≥50%ofaudiencemustbechildren;**≥35%ofaudiencemustbechildren;***≥30%ofaudiencemustbechildren.****≥25%ofaudiencemustbechildren.~unlessanadultispresent.~~unlessadultspredominate.+≥35% for someshowsand≥50% for others.++11 for printmedia,otherwise12.Whichproductscanbepromoted?IntheUSAalargenumberofcompany‐promotedmodelshavebeenproposed for definingthenutritionalcriteria for foods to bemarketed to children21andasimilarproblemhasariseninEurope.Thenexttablegivesexamplesofnutrientmethods for definingfoodsassuitable for marketing to children,asproposedbysomeofthecompaniesintheEUpledge:Table2Company‐setcriteria for foodstheycanmarket to childrenCompany ... YesFurthergapsincompany‐ledself‐regulationThissectionprovidessomeexamplesofadditionalconcernsraisedduringthisinvestigation.TheexamplespicturedaretakenfromwebsitesactiveandavailableduringtheperiodJanuary‐June2011.Company‐ownedwebsitesWhilemostcompaniesacknowledgetheneed to controladvertising to childrenusingpaid‐ for advertisingonthird‐partysites,companiesdonotusuallyincludetheirownweb‐sites,whichtheyseeaseditorialratherthanadvertising.Althoughsomegovernment‐approvedcodes(e.g.theUKCAPCode)includecompany‐ownedsites,mostindustry‐wideadvertisingregulationsinEuropeancountriesdonot,andindustry‐ledpledgesgenerallydonotorareambiguousaboutwhattheyconsider‘advertising’ontheirownwebsites.Manycompaniesusetheirownsites to attractchildrenwithgames,puzzles,clubsanddownloadablegifts,orofferbrandedproductswhichchildrenmaypestertheirparents to buy.ExamplesbelowshowNesquikchildren’sgamesonacompany‐ownedsiteandanexampleofM&Mspromotions(someareasofthesiteaskiftheviewer‘sageisabove12years).10SocialnetworkingsitesThereisalsoa‘grey’areaconcerningtheusebycompaniesofthird‐partysocialnetworkingsitessuchasFacebook to promotechild‐attractiveactivitieswithfood‐relatedbranding.AnexampleoftheuseofFacebookisshownbelow:11GeneralisedbrandingCompaniesdonotusuallyincludeintheirself‐regulationanycontrolsonthebrandingofnon‐foodproductswithfood‐relatedbrandidentities.Althoughcarryingnospecificmarketingmessage,theassociativeeffectcanbeapowerfulmarketingtool.Theexamplebelowshowsaproductlikely to appeal to childrenbrandedwithanimagestronglyassociatedwithsweetenedbreakfastcereal(Kellogg’sFrosties)andlicensedbyowner for useontheproduct.12Schoolsandotherchildren’ssettingsCompaniesmayallowthemselves to marketinschoolsandotherplaceswherechildrengather.Thiscantaketheformofbrandedgoodsandequipmentortheactivepromotionofsamplesandbrandedgiftsinschoolsettings.IndirectuseofschoolssettingsmaybefoundwhenTVadvertisementsuseschoolsaslocations for filmingtheiradvertising.Theexamplebelowshowsaplayarea for childrensponsoredbyachocolatecompanyownedbyNestléinGenevaairport(whichthecompanyhassinceacknowledgediscounter to Nestlépolicies)andtheuseofclassroomsettings for TVadvertisinglocations(notinEurope).13CharacterlicensingandbrandequitycharactersAlthoughsomecompanieshaveagreed to reducetheuseoflicensedcharacters(e.g.filmtie‐inssuchasShrekandToyStory)otherscontinue to usesuchmarketingdevices.Examplesbelowshowlicensedcharactersfromfilms(Rio,Thor,KungFuPanda)used to promoteproductshighinsugarsorfats.NotethatKungFuPandaisbeingusedbyMcDonald’s,acompanythathasnotjoinedtheEUpledgescheme.14Inaddition,mostcompaniesstillpermitthemselves to usecharacterswhichtheyownandhavedevelopedwiththeirbrands(knownasbrand‐equitycharacters),suchasQuikythebunny(Nesquik)andTonytheTiger(Frosties).OthersincludeUnileverWalls‘Maxthelion’(seepicturebelow).15ProductdesignandpackagingSelf‐regulationgenerallydoesnotincludepackagingorproductdesignandthesecanbepowerfulmarketingtools to attractpurchases.Theexamplebelowshowsaproductshaped,flavouredandtextured to appeal to childreninaboxwithatie‐ingamelaunchedbyKellogg’sonFacebookandfeaturingtheKraveKrusader(whomustovercomechallengesandobstacles to reachchocolate).26ShopdisplaysRetaildisplaysarerarelyincludedincompany‐ledself‐regulation.Aisle‐enddisplaysandcheck‐outdisplaysarepremiumsitesandcanbeamajorinfluenceonspontaneouspurchasesand,especiallyinthecaseofcheck‐outdisplays,thepurchaseofanitemforceduponaparentbychildrentakingtheproductintheirhandswhilewaitinginline.Child to childmarketingPeerrecommendationisastrongmotivatoramongchildrenandadolescents.Marketersareusinganumberofmethods for encouragingchild to childmarketing,includingpayments to youngpeople to makerecommendationsandencouragementofchildren to maketheirown26Seehttp://www.marketingweek.co.uk/sectors/food‐and‐drink/kellogg%E2%80%99s‐moves‐into‐gaming/3026796.article16promotionalmaterials for distribution,e.g.onsocialmedianetworks.Self‐regulationgenerallydoesnotcoverchild to childmarketing.Examplesbelowshowbrand‐owned,child‐attractivewebsitesaskingchildren to sendemailmessages to theirfriendsaboutthewebsite.NotethatHaribohasnotjoinedtheEUpledgescheme.NewtechnologyMethods for marketing to childrenarerapidlyevolving,andmanyaredesigned to by‐passparentsorenhancechild to childmarketing.In2007KFC’sadvertisingagencyengineeredaTVcommercialcontaininghigh‐pitchednoiseswhichonlyyoungpeoplearelikely to hear–Ajunk‐freechildhood:Responsiblestandards for marketingfoodsandbeverages to childrenAbriefingpaperfromTheStanMarkProjectoftheInternationalAssociation for theStudyofObesityPreparedbyTimLobstein,TriinParnandAngeAikenheadStanMark ... YesFurthergapsincompany‐ledself‐regulationThissectionprovidessomeexamplesofadditionalconcernsraisedduringthisinvestigation.TheexamplespicturedaretakenfromwebsitesactiveandavailableduringtheperiodJanuary‐June2011.Company‐ownedwebsitesWhilemostcompaniesacknowledgetheneed to controladvertising to childrenusingpaid‐ for advertisingonthird‐partysites,companiesdonotusuallyincludetheirownweb‐sites,whichtheyseeaseditorialratherthanadvertising.Althoughsomegovernment‐approvedcodes(e.g.theUKCAPCode)includecompany‐ownedsites,mostindustry‐wideadvertisingregulationsinEuropeancountriesdonot,andindustry‐ledpledgesgenerallydonotorareambiguousaboutwhattheyconsider‘advertising’ontheirownwebsites.Manycompaniesusetheirownsites to attractchildrenwithgames,puzzles,clubsanddownloadablegifts,orofferbrandedproductswhichchildrenmaypestertheirparents to buy.ExamplesbelowshowNesquikchildren’sgamesonacompany‐ownedsiteandanexampleofM&Mspromotions(someareasofthesiteaskiftheviewer‘sageisabove12years).10SocialnetworkingsitesThereisalsoa‘grey’areaconcerningtheusebycompaniesofthird‐partysocialnetworkingsitessuchasFacebook to promotechild‐attractiveactivitieswithfood‐relatedbranding.AnexampleoftheuseofFacebookisshownbelow:11GeneralisedbrandingCompaniesdonotusuallyincludeintheirself‐regulationanycontrolsonthebrandingofnon‐foodproductswithfood‐relatedbrandidentities.Althoughcarryingnospecificmarketingmessage,theassociativeeffectcanbeapowerfulmarketingtool.Theexamplebelowshowsaproductlikely to appeal to childrenbrandedwithanimagestronglyassociatedwithsweetenedbreakfastcereal(Kellogg’sFrosties)andlicensedbyowner for useontheproduct.12Schoolsandotherchildren’ssettingsCompaniesmayallowthemselves to marketinschoolsandotherplaceswherechildrengather.Thiscantaketheformofbrandedgoodsandequipmentortheactivepromotionofsamplesandbrandedgiftsinschoolsettings.IndirectuseofschoolssettingsmaybefoundwhenTVadvertisementsuseschoolsaslocations for filmingtheiradvertising.Theexamplebelowshowsaplayarea for childrensponsoredbyachocolatecompanyownedbyNestléinGenevaairport(whichthecompanyhassinceacknowledgediscounter to Nestlépolicies)andtheuseofclassroomsettings for TVadvertisinglocations(notinEurope).13CharacterlicensingandbrandequitycharactersAlthoughsomecompanieshaveagreed to reducetheuseoflicensedcharacters(e.g.filmtie‐inssuchasShrekandToyStory)otherscontinue to usesuchmarketingdevices.Examplesbelowshowlicensedcharactersfromfilms(Rio,Thor,KungFuPanda)used to promoteproductshighinsugarsorfats.NotethatKungFuPandaisbeingusedbyMcDonald’s,acompanythathasnotjoinedtheEUpledgescheme.14Inaddition,mostcompaniesstillpermitthemselves to usecharacterswhichtheyownandhavedevelopedwiththeirbrands(knownasbrand‐equitycharacters),suchasQuikythebunny(Nesquik)andTonytheTiger(Frosties).OthersincludeUnileverWalls‘Maxthelion’(seepicturebelow).15ProductdesignandpackagingSelf‐regulationgenerallydoesnotincludepackagingorproductdesignandthesecanbepowerfulmarketingtools to attractpurchases.Theexamplebelowshowsaproductshaped,flavouredandtextured to appeal to childreninaboxwithatie‐ingamelaunchedbyKellogg’sonFacebookandfeaturingtheKraveKrusader(whomustovercomechallengesandobstacles to reachchocolate).26ShopdisplaysRetaildisplaysarerarelyincludedincompany‐ledself‐regulation.Aisle‐enddisplaysandcheck‐outdisplaysarepremiumsitesandcanbeamajorinfluenceonspontaneouspurchasesand,especiallyinthecaseofcheck‐outdisplays,thepurchaseofanitemforceduponaparentbychildrentakingtheproductintheirhandswhilewaitinginline.Child to childmarketingPeerrecommendationisastrongmotivatoramongchildrenandadolescents.Marketersareusinganumberofmethods for encouragingchild to childmarketing,includingpayments to youngpeople to makerecommendationsandencouragementofchildren to maketheirown26Seehttp://www.marketingweek.co.uk/sectors/food‐and‐drink/kellogg%E2%80%99s‐moves‐into‐gaming/3026796.article16promotionalmaterials for distribution,e.g.onsocialmedianetworks.Self‐regulationgenerallydoesnotcoverchild to childmarketing.Examplesbelowshowbrand‐owned,child‐attractivewebsitesaskingchildren to sendemailmessages to theirfriendsaboutthewebsite.NotethatHaribohasnotjoinedtheEUpledgescheme.NewtechnologyMethods for marketing to childrenarerapidlyevolving,andmanyaredesigned to by‐passparentsorenhancechild to childmarketing.In2007KFC’sadvertisingagencyengineeredaTVcommercialcontaininghigh‐pitchednoiseswhichonlyyoungpeoplearelikely to hear–Ajunk‐freechildhood:Responsiblestandards for marketingfoodsandbeverages to childrenAbriefingpaperfromTheStanMarkProjectoftheInternationalAssociation for theStudyofObesityPreparedbyTimLobstein,TriinParnandAngeAikenheadStanMark...

... companies continue to use them. Examples below show licensed characters from films (Rio, Thor, Kung Fu Panda) used to promote products high in sugars or fats. Many companies continue to use brand equity ... standards and marketing codes to influence commercial activity, including standards from other industrial sectors. Propose a set of standards to form the basis for a cross-border code of marketing ... Ofcom regulations for TV marketing to children26, the Nordic Keyhole scheme for defining healthier food products27, the proposed US Inter-Agency Working Group scheme for voluntary restrictions...

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... creators use to identify the content of their blogs. Technorati uses these tags to help users find blogs related to topics of interest to them.If you have a blog, Technorati is a great way to ... www.MarketingMovers.com20 Ways to Promote Your Website for FreeForum MarketingIf you want to attract visitors to your website, you need to go to where they are located. Online communities, also known as forums, ... build a customer base. If you can’t afford to buy a solo ad, some newsletter distributors may let you submit an article for inclusion in their newsletter in which you include a link to your...