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Consumer Research Paper Finds That Credit Cards Weaken Impulse Control

A 2011 study published in the Journal of Consumer Research and written by economists Manoj Thomas, Kalpesh Kaushik Desai, and Satheeshkumar Seenivasan has evidence to show that shoppers paying with Cleaner sydney find it harder to resist indulgent purchases such as fast food or unhealthy treats. The study concludes that consumers are much more likely to buy junk food products when paying with credit cards as opposed to paying with cash and are therefore more likely to gain weight as a result.

The study attributes this to the fact that credit cards weaken the impulse control of consumers, making it more difficult for them to rationalize that something is not a necessary purchase. The three economists that authored the study compiled their research and tested their hypothesis by studying the contents of shopping baskets. Consequently, they found that shoppers using credit cards purchased a greater proportion of unhealthy food items, demonstrating that the ease of paying with plastic had an influence over the consumers’ judgment regarding choices as well as total amount spent.

With credit card debt on the increase, consumer finance and short term loan comparison site PaydayLoansOnline.net encourages consumers to pay for food purchases with cash or debit card only, forcing them to be mindful of their wallets as well as their waistlines. Sam Milo, spokesperson for the site, responded to the study in the following statement that was released to the press:

“Credit cards are synonymous with a ‘buy now, pay later’ mentality. This intriguing study published in the Journal of Consumer Research suggests that this way of thinking also applies to the contents of the shopping trolley being paid for by plastic – the consequences of certain purchases are just not being thought through. We encourage consumers, especially those living on tight budgets, to use cash only when shopping for groceries and foods and to stick to a set shopping list. This will make it harder to splurge on expensive, bad junk food or not consider the necessity of certain additional items that are not on their list.”

A career felon whose resume includes the attempted stun-gun robbery of an 83-year-old man is headed back to prison for up to 25 years after he pleaded guilty this week to stealing more than $30,000 from a prominent Des Moines plastic surgeon.

Khan Kenyatta Elamin, 39, on Tuesday pleaded guilty to theft and money laundering as part of a plea agreement to spare himself a possible 70 years behind bars.

Polk County court papers say Elamin pocketed $30,040 in October, November and December 2012 from cash advances against a corporate credit card issued to him by Heartland Plastic and Reconstructive Surgery. Documents say at least $12,000 more was spent on unauthorized purchases at Von Maur, Brooks Brothers and other local retailers. Police allege in paperwork attached to a search warrant that part of the credit card advances went for down payments on a 2009 Volkswagon Passat and a 2010 Mazda CX9.

Elamin, a former West Des Moines Vally High School basketball standout who completed his last parole in 2008, was hired originally as a personal trainer to work with surgery patients. Documents say he was promoted to office manager in August 2012 after Heartland owner Dr. Eugene Cherny voiced concerns to his personal lawyer about some potential embezzlement in the Heartland office. The attorney was Alexandra Nelissen, Elamin’s wife.

“She said, ‘He’ll wow you,’ ” Ruth Ann Cherny, the doctor’s wife, remembered Tuesday outside the courtroom. “And when I saw how much money he took, I said, ‘Wow!’ ”

To date, no charges have been filed against Nelissen, despite court documents saying that she was driving one of the vehicles allegedly purchased with Dr. Cherny’s money. Before that point, documents say, Nelissen and Elamin had tried unsuccessfully to get a Heartland bookkeeper and office manager to sign off on company purchases of two vehicles that Cherny had never authorized.

The surgeon’s attorney declined comment earlier this week. Nelissen referred all questions to the lawyer for Elamin.

Elamin defense attorney Chris Kragnes said he knows of no plan to charge Nelissen. A Polk County prosecutor, citing a blanket refusal to discuss ongoing cases, declined to comment.

Court records show Nelissen and Elamin have been sued nine times by debt collectors since 2007. The list includes three filed-but-dropped foreclosures, an unpaid $4,120 tax debt and an unpaid dry cleaning tab totaling $656.

Documents attached to a January 2013 search warrant allege that Elamin improperly bought clothing for himself and others, photocopied employee personnel files and grossly inflated his overtime on Heartland paychecks. At least some money from the thefts apparently went to a woman who told police she had been “involved in a romantic relationship” with Elamin.

Until Tuesday, Elamin’s most recent conviction not related to a parole violation had stemmed from a February 2001 attack on William Joseph, then 83. Court records say Elamin, carrying handcuffs, was a convicted of assaulting Joseph in a Des Moines parking garage by pressing a stun gun into the man’s neck. Joseph, a former owner of Josephs Jewelers, had sold his stake in the family business roughly six months’ before.

With internet speeds increasing and the success of some Xbox Live Arcade and Playstation Network games beating out the profits of some of the big games and big names out there, we will see this market expanding. Soon, we will see full fledged games being delivered digitally. You could preorder your game and your Xbox One or PS4 downloads it in the background over the next day or two and then waits to download the last bits until release day. This means at 12:01 am on release day, you could have your game ready to play. Both Xbox One and PS4 have shown features that make this possible, WiiU will likely also. If you wanted to buy my “used” copy of Diablo III, you couldn’t. I went to the store, and what they sold me was a plastic card with a download code on it. They had no DVDs at the store. This revolution has already hit PC gaming, and it is coming to consoles soon with the 8th Gen.

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