Patience is a virtue when to comes to shopping sense

CHICAGO, Sept.handbags new 29 (UPI) -- Patience is a virtue, especially when it comes to making smart financial decisions, and taking time before pulling out the wallet can make acquisitions feel worth the wait, University of Chicago researchers say.Consumer patience can be a hard skill to master in a world where spending money has never been easier, with access to credit cards, debit cards and smartphone apps that allow you to just wave your phone past a cash register. Whether you live in the small town or a large city, the latest smartphone or designer fashion is just a click away.Ayelet Fishbach, a professor of behavioral science and marketing at the University of Chicago Booth School of Business, suggests taking your time before making a financial decision will actually make you more patient.louis vuitton handbag"People tend to value things more in the present and discount their worth in the future," she said in a news release. "But my research suggests that making people wait to make a decision can improve their patience because the process of waiting makes the reward for waiting seem more valuable." Previous research has show that given the choice between $10 now or $15 later, many people choose the $10 now. But research conducted in the United States and China by Fishbach and former Chicago Booth postdoctoral fellow Xiani Dai found asking people to wait before choosing a prize made them more likely to opt for the larger payout.louis vuitton purse for sale"We 鍖?nd that waiting to choose increases patience because after waiting to make a choice, people value the options more," Fishbach told UPI.She said the practice of waiting can help consumers make better decisions."When people wait, it makes them place a higher value on what they're waiting for, and that higher value makes them more patient," Fishbach said. "They see more value in what they are waiting for because of a process psychologists call self-perception -- we learn what we want and prefer by assessing our own behavior, much the same way we learn about others by observing how they behave.louis vuitton handbags" Fishbach said consumers can increase their self-control by incorporating "waiting periods" into their choice."Basically, don't make your decision right away. Wait for a while and you'll discover that you're more patient and can wait even more to get the best option for yourself. Interestingly, even just thinking about how much you've been waiting could be enough to increase your patience," she said.lv handbag"Recall that you've been waiting to get this product for a while ... and you'll be more patient in making your selection in the present," she said.louis vuitton handbagThe study was published in July in the Journal of Organizational Behavior and Human Decision Processes.
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Sniffing out the meaning in 'Sell by' dates

CHICAGO, Oct.louis vuitton bags for sale 6 (UPI) -- Hold on before dumping that gallon milk down the sink; just because it's past the "sell-by" date doesn't necessarily mean it needs to be thrown out.More than 90 percent of U.S. consumers may be wasting money and prematurely throwing away perfectly good food because they misinterpret food labels as indicators of food safety, a report by the Natural Resources Defense Council and Harvard Law School's Food Law and Policy Clinic said.replica louis vuitton walletThe report called for changes in the way food manufacturers label their products."Expiration dates are in need of some serious myth-busting because they're leading us to waste money and throw out perfectly good food, along with all of the resources that went into growing it," said Dana Gunders, staff scientist with the NRDC's food and agriculture program. "Phrases like 'sell by', 'use by', and 'best before' are poorly regulated, misinterpreted and leading to a false confidence in food safety. It is time for a well-intended but wildly ineffective food date labeling system to get a makeover.handbags new"The study, "The Dating Game: How Confusing Food Date Labels Lead to Food Waste in America," is a follow-up to a 2012 NRDC report that found as much as 40 percent of the U.S. food supply ends up in the garbage each year.The report found 91 percent of consumers occasionally throw food away based on the "sell by" date out of a mistaken concern for food safety even though none of the date labels actually indicates food is unsafe to eat.louis vuitton handbagsAn estimated 160 billion pounds of food is trashed in the United States every year, making food waste the single largest contributor of solid waste in the nation's landfills."Sell by" dates are used by grocery stores to determine when their stock should be rotated, they do not indicate the food is bad on that date. "Best before" and "use by" dates are intended for consumers, but they usually just estimate peak quality, again not an accurate date of spoiling or an indication that food is unsafe.While the NRDC hasn't gotten any official feedback from food manufacturers, Gunders said preliminary conversations suggest the industry is interested in taking on the issue of food labeling, but they want it to be voluntary and not subject to federal regulation.louis vuitton wallet for sale"I'm willing to let them try," she told UPI. "The question in my mind is: Can they really come to an agreement?"Gunders said phrases that are used on food labels "need to have some meaning attached to them."She said phrases such as "at their peak quality" or date of "maximum freshness" versus "use by" would make it easier for consumers to make appropriate decisions about shelf life."I think the important thing to note is those dates on food are not intended to indicate safety," she said.louis vuitton monogram vernis "We should not be using those dates."Gunders said the upside of the loosely regulated system currently in place in the United States is that businesses can act now to clarify their labeling practices rather than wait for the Food and Drug Administration.U.S.louis vuitton speedy Rep. Nita Lowey, however, is calling for federal legislation. The New York Democrat said she plans to reintroduce the Freshness Disclosure Act that she has been trying to get through Congress since 1999."Under the current patchwork of state and federal laws, consumers are left in the lurch, forced to decipher the differences between 'sell-by' and 'best if used by,' and too often food is either thrown out prematurely, or families wind up consuming dangerous or spoiled food.louis vuitton purse The status quo is really quite absurd," she said in a statement.David Fikes, vice president of consumer affairs for the Food Marketing Institute, said the food industry agrees there is some consumer confusion over labeling, although "we are not quite as convinced that the system is broken.""They did us a lot of favors in terms of calling attention to this," he said of the Harvard/NRDC report. "But a lot of it, too, is just educating the consumer to the intent (of the labels).chanel bags online""Our industry has been at work on this issue for years," he said.So, if the "sell-by" date on milk is meaningless from a safety standpoint, how do consumers figure out when they need to throw it out? Well, it will most likely start to smell and taste bad long before it will actually make you sick, Gunders said.Food safety expert Ted Labuza, professor of food science and engineering at the University of Minnesota, says food manufacturers can't tell you the exact date the milk will start to go bad ."The big problem with food is that the rate at which it goes bad -- the rate of decay -- is the function of the temperature the refrigerator is at," he said.gucci messenger bag "If you leave milk sitting out on the counter for 1 1/2 to 2 hours, you've lost a day of shelf life."Keeping the refrigerator at 36 degrees Fahrenheit will help keep milk fresh. 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Millennials pushing hotels to get up to speed

CHICAGO, Oct.louis vuitton paris 13 (UPI) -- The social media-savvy of today's 20- and 30-somethings is driving changes at major hotel brands and shaping the way hotels approach their design and develop guest amenities, travel experts say.Baby boomers are still the top spending age group but millennials, the generation born between 1980 and 1999, are the fastest growing segment for travel spending, Hotels.com said. A report released earlier this year by The Boston Consulting Group says millennials will become the core customers of airlines, hotels and travel companies in the next five to 10 years as they enter their peak earning, spending and travel years.louis vuitton speedyThe travel industry is actively pursuing millennials to win both their business and their loyalty."The window of opportunity for businesses to understand the unique travel approach of this generation and gain its mind share is closing rapidly," Christine Barton, a BCG partner and lead author of the report, said in a release. Faster is a requirement when it comes to millennials, Hotels.com's latest Hotel Price Index report said.gucci messenger bag That means they want fast booking, fast check-in, fast WiFi at the hotel and fast response to any customer service needs. If it isn't fast, they'll turn to Twitter, Facebook, Yelp or Tripadvisor to complain.Hotels.com said need for speed is driving the implementation of check-in kiosks and the hiring of entire teams completely dedicated to real-time customer service responses via social media.chanel handbagsMillennials document their travel experiences virtually non-stop on their smartphones, which can mean free publicity for savvy hoteliers "if they play their cards right and provide the millennials with the amenities they are looking for, such as thoughtfully and artfully designed communal spaces for both work and socializing," the HPI report said."Today's millennials are more informed about top travel destinations and stay constantly connected to their networks via mobile," Taylor Cole, travel expert for Hotels.com, told UPI. "The best hotels for millennials are eco-conscious, feature modern amenities, active hotel restaurants and bars, and are in the proximity of nightlife and attractions.replica louis vuitton wallet" A survey by Hotels.com found that free WiFi, for the second year, is the top in-room hotel amenity desired by travelers. Prior to 2012, free breakfast and free bottled water were the top preferences listed by travelers, Cole said.
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Crude oil rolls back under $101

NEW YORK, Oct.louis vuitton speedy 17 (UPI) -- Crude oil prices dropped under $101 per barrel in New York Thursday as the disruptive federal government shutdown came to an end.Federal workers were called back to work and the threat of default averted for now, as the government's line of credit was extended through Feb. 7.The end of the government shutdown and the threat of default would normally be seen as positive for demand, but traders were retreating as they waited for the resumption of federal reports.louis vuitton handbagsOn the New York Mercantile Exchange, West Texas Intermediate crude oil shed $1.65 to reach $100.64 per barrel. Reformulated blendstock gasoline prices lost 5.louis vuitton handbags81 cents to $2.644 per gallon. Home heating oil gave up 4.99 cents to $2.louis vuitton handbag9894 per gallon. Natural gas lost 2 cents to reach $3.75 per million British thermal units.At the pump, the national average price of unleaded gasoline added a penny from Monday to Tuesday to $3.louis vuitton epi357 per gallon, AAA's Daily Fuel Gauge Report said.
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