Blog dedicado a la formación en todos sus ámbitos: presencial, online, a distancia
Hola:
Una infografía con la Guía definitiva para posicionar tu web en Google. Vía
Un saludo
Guía definitiva para posicionar tu web en Google
Hola:
Una infografía sobre las Diferencias entre Inbound Marketing y Outbound Marketing. Vía
Un saludo
Diferencias entre Inbound Marketing y Outbound Marketing
From a classic Consumerist post about a rent-to-own store selling a $250 Nintendo Wii for just $79/month… for 12 months, meaning you’d pay $948 by the time you’re done. (Photo: Blitzcat)
Earlier today, in a letter shown to Consumerist, Sen. Bob Casey of Pennsylvania wrote to Federal Trade Commission Chair Edith Ramirez and Consumer Financial Protection Bureau Director Richard Cordray to explain his concerns about rent-to-own operations.
The Senator points to the industry’s own stats that claim a growth in RTO customers of 2.7 million in 2004 to 4.8 million in 2012, with more than 75% of these consumers having annual household incomes below $36,000.
The letter also cites a 2013 FDIC survey which found that unbanked and underbanked Americans are three times more likely than others to shop at RTO stores.
“RTO deals can be financially sensible for short-term rentals of certain items,” acknowledges Casey. “However, if customers make the full number of payments required to own an item, the total expense is far higher than if they had financed the purchase through a consumer loan.”
In 2011, our colleagues at Consumer Reports looked at financing plans at RTO stores and found that customers were paying in excess of 300% interest for certain items.
Casey points out that these interest rates are several times those of even high-interest credit cards, and notes that if these RTO deals were classified as loans, “they would also violate most states’ usury laws.”
Some RTO operations have also been caught marking up the retail price of items they sell so as to make the financing more attractive. For example, in the Consumer Reports survey, one Ohio RTO store listed a TV with a $349 MSRP at $599.
RTO stores can also use this method of financing to get around caps on interest rates for loans made to active-duty servicemembers. Like the Virginia-based chain of stores that actively markets its financing to servicemembers, and where a $650 laptop could ultimately cost the customer thousands of dollars.
“I am concerned about the threat that the continued growth of the RTO market poses to the financial stability of millions of Americans,” writes Casey. “It is essential that customers entering into RTO deals are aware of the risks involved.”
The Senator acknowledges that the RTO market straddles the line between offering a financial product and selling retail goods, making it difficult to put it under one regulatory umbrella, but believes that the FTC and CFPB together are “well-placed to provide consumers with adequate information” about the risks associated with RTO, and to decide whether the industry merits further scrutiny.
“What can each of your agencies do to better inform consumers about the risks posed by RTOs?” Casey asks Ramirez and Cordray. “What, if any, additional tools or authorities would your agencies need in order to adequately protect consumers from these risks?”
Casey also wants to know if there are any legislative actions that could help to ensure that users of all alternative financial products — not just RTOs — receive the same level of consumer protection afforded to borrowers of bank loans.
Hola:
Una infografía sobre Cuándo usar Jpeg o Png o Gif. Vía
Un saludo
Cuándo usar Jpeg o Png o Gif
The warehouse club and luxury watch brand Omega have been fighting for much of the last decade over some Omega-branded watches sold in Costco clubs in 2003. The issue is the first-sale doctrine: the idea in copyright law that once someone buys a copyrighted item, they’re able to do anything with it that they see fit. If this case sounds familiar, it should: the two companies took their dispute over the 43 watches to the Supreme Court, where the justices were evenly divided, in 2010. (Justice Elena Kagan sat out the case.) That means the decision of the lower court in favor of Omega stood instead. The lower court, the Ninth Circuit, had found in favor of Omega that the first sale doctrine applies only to items sold for the first time in the United States.
In this case, the watches did have Omega-approved globe logos on them, but were made for the market in Paraguay. Costco acquired them on the gray market, not buying them directly from Omega. If Omega had authorized an American company to sell watches with their logo and that company sold the watches to Costco, the first sale doctrine would protect Costco.
Then came the 2013 Wiley v. Kirtsaeng decision from the Supreme Court, where the justices ruled that the first-sale doctrine applies to items purchased outside of the United States as well. In the Wiley case, the merchandise in question was textbooks published for sale outside of the United States. That also applies to this case, since Omega did approve the use of its globe logo for these watches the first time that they were sold. In Paraguay.
The gray market isn’t illegal, and the Ninth Circuit ultimately ruled that a company should not be permitted to use copyright law to control where licensed merchandise goes after it has been sold.
If the copyright law allowed Omega to use its copyright to combat the importation and sale of all gray market watches that are stamped with the Globe Design, it would effectively grant Omega a copyright-like monopoly over the distribution and sale of Omega watches in the United States. Because such an outcome directly controverts the aims of copyright law, it is impermissible.
If Omega has a problem with Costco selling gray market watches, the court says, they need to use a different tactic. Suing over the copyright on a teeny-tiny globe on the underside of the watch isn’t enough to keep those cheap watches out of Costco.
Costco Dodges Luxury Watch Copyright Suit [Courthouse News Service]
OMEGA S.A. V. COSTCO WHOLESALE CORP [Court Decision]
Hola:
Una infografía con 10 claves para crear un Storytelling. Vía
Un saludo
10 claves para crear un Storytelling
Hola:
Una infografía sobre Mobile First. Vía
Un saludo
Mobile First
Hola:
Una infografía con los 10 pilares para conseguir el compromiso de tus trabajadores. Vía
Un saludo
10 pilares para conseguir el compromiso de tus trabajadores
