William C. Lesch

Cellular phone etiquette among college students

There has been tremendous growth in the cellular telephone industry in recent years. This evolving technology has given rise to concerns over the social rules of etiquette governing cellphone usage behaviour. The present study was undertaken to better understand the perceptions of cellphone usage propriety among one of the most important target markets for cellphone products young adults attending college. Data were collected from a total of 383 cellphone consumers residing in geographically diverse regions of the United States. Overall, the results indicated a high degree of agreement among respondents as to appropriate and inappropriate situations for cellphone usage. Respondents considered inappropriate situations for cellphone usage to include during worship/church, during class, in a library and in a movie theatre during a movie. Respondents considered it to be appropriate to use cellphones while on public transportation, in a supermarket, and to use a hands-free set while driving. Specific differences were found as a function of geographic regions, gender and employment status.

General Patterns of Cell Phone Usage Among College Students

Abstract There has been tremendous growth in the cellular telephone industry in recent years. The present study was undertaken in order to better understand the pattern of usage among one of the most important target markets for cell phone products—young adults attending college. Data were collected from a total of 383 cell phone consumers residing in four states in different geographic regions of the United States. Respondents ranged in age from 18-57 with a median age of 23 years. Data analyses revealed several interesting and potentially important patterns of usage. Among these were the findings that the majority of those surveyed indicated that they use their cell phones for the purpose of social stimulation, to remain continually available, for domestic reasons, to leave themselves memos and reminders, for time-keeping, for emergency purposes, and to use the phones phonebook function. It was also found that the cell phone market among the target population is relatively mature in that the vast majority of the sample (90.5%) indicated that they have owned a cell phone for more than one year. The maturity of the market, however, was found to vary as a function of geographic region. This particular finding has implications for regional cell phone marketing strategies. A number of other differences of potential importance for market segmentation and target marketing purposes also emerged and are discussed in detail.

Consumer insurance fraud in the US property‐casualty industry

Purpose – The purpose of this paper is to review the management of consumer insurance fraud in the US property‐casualty market, attending to definition, prevalence, insurer and regulatory responses, and outcomes. A social marketing campaign is offered as a partial, long‐term solution.Design/methodology/approach – This paper explicates the difficulties associated with defining and measuring consumer insurance fraud, then models the system of factors now in place in redress.Findings – Little agreement was found for a common definition of consumer insurance fraud and this was explained in part due to the decentralization of insurance regulation, competitive factors, and inconsistency in claims processing. The paper concludes by offering a social marketing campaign as a tool for reducing the incidence and severity of single‐claims fraud, the latter believed to be the largest source of consumer insurance fraud.Originality/value – This paper affords a macro‐level view of a common and expensive social problem, s...

Equity and Ethical Environmental Influences on Regulated Business-to-Consumer Exchange

Macromarketing has traditionally accounted for the influences of political, social, technological, legal, and economic forces on marketing. Equally powerful and prevalent, the ethical and equitable expectations resident in the environment have more typically been addressed at the more granular level of relationships. Here, the authors introduce these factors as a priori, macro-level environmental influences shaping consumer expectations for ethicality and the equitability of the exchange environment at the macro level. Empirical examination of the insurance industry reveals that consumers’ expectations arising outside of the contractual realm govern perceptions of actual or anticipatory exchange equitability, including the rationalization of otherwise unethical acts and their normative standing. The more complete model addresses the interplay of the macro- and consumer-level variables contributing to the perpetuation of a socially sanctioned, dysfunctional relationship.

Conservation Reserve Program enrollment decisions in the Prairie Pothole Region

The Conservation Reserve Program (CRP) has retained support from farmers and the conservation community for three decades. Beneficial to farmers, the program is voluntary, does not require a permanent easement or the transfer of property rights, and provides fixed income and other financial support. However, high and volatile commodity prices in recent years have increased the opportunity cost of participating, and program enrollment has decreased. This paper considers the influence of contract design on the enrollment decision and estimates the trade-offs between rental rates and program attributes. A stated preference discrete choice experiment was completed during in-person interviews with farmers in the Prairie Pothole Region. Rental payment and establishment cost paid by the government had a direct relationship with likelihood of program enrollment. Tighter restrictions on the use of enrolled land had a negative effect, especially among farmers with livestock. Likelihood of enrollment increased with age, and age decreased responsiveness to increasing maximum bid and to tighter restrictions on land use. Expression of concerns about the CRP affected the degree of responsiveness among farm operators to changes in program attributes. Addressing these concerns through program design or education may serve to increase interest in the program. Farmers were willing to take a lower rental payment under program conditions they considered more favorable including an increased government share for stand establishment and a flexible land use policy. Consideration to introducing CRP contracts with flexible attributes, especially land use constraints, is warranted.

Public Views on Family and Corporate Farms

ABSTRACT Contemporary agricultural practices and the publics understanding of the same are not necessarily in synchrony. Beliefs about the economic contribution of agriculture, farming practices, and their impacts on the environment and community, and the motivations of farmers were explored via a mail survey of Illinois residents. Respondents were asked to consider farms by structure and describe what they perceive to be attributes or behaviors differentiating family or corporate farms. Respondents recognized the value of agriculture to the state. Overall, agriculture was ranked among the seven standard industry categories as that with the most important economic impact. However, this sector was ranked lower by residents in counties with or adjacent to population centers of a hundred thousand residents or more and by the non farm population. Although perceived distinctions between crop and livestock operations were not substantial, strong differences were perceived between corporate and family farms. Perceived factors differentiating the two farm types included ownership, operation size, business motivation, separation of management and labor, operators concern for and participation with the local community and environment, heritage, source of labor, and locale of residence. Family farms were perceived in a much more favorable light than their corporate counterparts.