3.  NEED  Food  Water  Clothes/shoes  Homes  Phones  Gas for cars  WANT  Accessories  Junk food we don’t need (eating out)  Online shopping  Phone accessories (besides chargers)  Going on trips

4.  Go to grocery stores (food, water, etc.)  Go to shopping stores  Online shopping, get it a few days later

5.  First, ask yourself, “do I really need this?” “what will it do in the future for me?”  Look at the price – is there a sale? Do you have a coupon?  Know exactly what to look for in the store, if they don’t have it, try another store. You might be able to get it cheaper as well.  If you’re not exactly sure what the store will have, look on their website. It will save you time, and gas. If they don’t have it in their store, and if you really want it, make sure to buy it as fast as you can. You might get it cheaper that way.  Open a bank account

6.  http://www-rohan.sdsu.edu/~renglish/370/notes/chapt05/ consumer purchase decisions http://www-rohan.sdsu.edu/~renglish/370/notes/chapt05/  https://www.bankofamerica.com/deposits/manage/pay-by- cash-debit-or-credit.go cash or debit? https://www.bankofamerica.com/deposits/manage/pay-by- cash-debit-or-credit.go  http://www.spidergroup.com/blog/2012/05/technology-a- positive-or-negative-impact-on-society/ positive/negative http://www.spidergroup.com/blog/2012/05/technology-a- positive-or-negative-impact-on-society/  http://www.nolo.com/legal-encyclopedia/five-reasons- make-large-down-payment.html large down payments http://www.nolo.com/legal-encyclopedia/five-reasons- make-large-down-payment.html

7.  CASH  You can pay right off the spot, wont have to make up any money for it  Hard to make cash  Kind of a hard way to pay; not everybody has cash  Think of this analogy: Should I buy paper or plastic bags? Should I use paper or plastic money..  CREDIT CARD  A loan; whatever money you loaned is the amount of money you have to pay back at the end of the month  Easy to get a loan, easy to pay  Most people use credit cards for expensive stuff  DEBIT CARD  This is your own money on a card; so its not a loan.

8.  All forms of paying  You have to go to a bank

9.  DEFINITION of ' Annual Percentage Rate - APR ' The annual rate that is charged for borrowing (or made by investing), expressed as a single percentage number that represents the actual yearly cost of funds over the term of a loan. This includes any fees or additional costs associated with the transaction.

10.  A type of payment made in cash during the onset of the purchase of an expensive good/service. The payment typically represents only a percentage of the full purchase price; in some cases it is not refundable if the deal falls through. Financing arrangements are made by the purchaser to cover the remaining amount owed to the seller. Making a down payment and then paying the rest of the price through installments is a method that makes expensive assets more affordable for the typical person.

12.  Technology has changed through out the years. Now a days, you can text, video chat, online shop, there’s so much to do.. Back then there was writing a letter, phone calls, and possible e-mail.

13.  Mass media is a powerful technology that is designed to disseminate information to millions of people, and as such it is the primary tool of advertisers, marketers and promoters.  Print media has been used for hundreds of years to convince people to purchase things. Before the days of computers, television or radio, when print was the only form of widely available media, print advertisements in the form of billboards, flyers, and magazine and newspaper ads were the only method of disseminating consumer information. In the 21st century, print media continues to play a major role in influencing consumer decision making, although its influence is waning in the face of widespread digital technologies.

14.  The Internet is a new technology relative to print and television, having only achieved widespread public usage in the 1990s. Did you know that the internet is the biggest technology impact? Despite its youth, however, the Internet and other digital technologies are impacting the way consumers make decisions and shop. Smart phones allow shoppers to access the Internet while in stores and to find information from objective sources about the products they are considering buying.

15.  Phones, iPads, computers – online shopping, reading, video chatting, texting, watching movies, etc.  Television – commercials: to persuade people about their stores/company’s/TV shows, etc. TV has a very big impact on consumers, as well as their shopping decisions.  Radios – 106.1: plays today’s hits music, (so you might want to buy it), plays ad’s, speaks celebrity news, or just news in general

16.  http://smallbusiness.chron.com/technolo gy-affects-consumer-decisions- 10065.html media types http://smallbusiness.chron.com/technolo gy-affects-consumer-decisions- 10065.html