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Author : Robert O. Herrmann
Publisher : Thomson South-Western
ISBN 13 :
Total Pages : 584 pages
Book Rating : 4.72/5 ( download)
Download or read book Consumer Choice in the American Economy written by Robert O. Herrmann and published by Thomson South-Western. This book was released on 1988 with total page 584 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Carolyn Shaw Bell
Publisher : New York : Random House
ISBN 13 :
Total Pages : 456 pages
Book Rating : 4.05/5 ( download)
Download or read book Consumer Choice in the American Economy written by Carolyn Shaw Bell and published by New York : Random House. This book was released on 1967 with total page 456 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Thomas A. Durkin
Publisher :
ISBN 13 : 0195169921
Total Pages : 737 pages
Book Rating : 4.28/5 ( download)
Download or read book Consumer Credit and the American Economy written by Thomas A. Durkin and published by . This book was released on 2014 with total page 737 pages. Available in PDF, EPUB and Kindle. Book excerpt: Consumer Credit and the American Economy examines the economics, behavioral science, sociology, history, institutions, law, and regulation of consumer credit in the United States. After discussing the origins and various kinds of consumer credit available in today's marketplace, this book reviews at some length the long run growth of consumer credit to explore the widely held belief that somehow consumer credit has risen "too fast for too long." It then turns to demand and supply with chapters discussing neoclassical theories of demand, new behavioral economics, and evidence on production costs and why consumer credit might seem expensive compared to some other kinds of credit like government finance. This discussion includes review of the economics of risk management and funding sources, as well discussion of the economic theory of why some people might be limited in their credit search, the phenomenon of credit rationing. This examination includes review of issues of risk management through mathematical methods of borrower screening known as credit scoring and financial market sources of funding for offerings of consumer credit. The book then discusses technological change in credit granting. It examines how modern automated information systems called credit reporting agencies, or more popularly "credit bureaus," reduce the costs of information acquisition and permit greater credit availability at less cost. This discussion is followed by examination of the logical offspring of technology, the ubiquitous credit card that permits consumers access to both payments and credit services worldwide virtually instantly. After a chapter on institutions that have arisen to supply credit to individuals for whom mainstream credit is often unavailable, including "payday loans" and other small dollar sources of loans, discussion turns to legal structure and the regulation of consumer credit. There are separate chapters on the theories behind the two main thrusts of federal regulation to this point, fairness for all and financial disclosure. Following these chapters, there is another on state regulation that has long focused on marketplace access and pricing. Before a final concluding chapter, another chapter focuses on two noncredit marketplace products that are closely related to credit. The first of them, debt protection including credit insurance and other forms of credit protection, is economically a complement. The second product, consumer leasing, is a substitute for credit use in many situations, especially involving acquisition of automobiles. This chapter is followed by a full review of consumer bankruptcy, what happens in the worst of cases when consumers find themselves unable to repay their loans. Because of the importance of consumer credit in consumers' financial affairs, the intended audience includes anyone interested in these issues, not only specialists who spend much of their time focused on them. For this reason, the authors have carefully avoided academic jargon and the mathematics that is the modern language of economics. It also examines the psychological, sociological, historical, and especially legal traditions that go into fully understanding what has led to the demand for consumer credit and to what the markets and institutions that provide these products have become today.
Author : David Blanke
Publisher : Rowman & Littlefield
ISBN 13 : 0739172190
Total Pages : 196 pages
Book Rating : 4.93/5 ( download)
Download or read book A Destiny of Choice? written by David Blanke and published by Rowman & Littlefield. This book was released on 2013 with total page 196 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the twentieth century, Americans thought of the United States as a land of opportunity and equality. To what extent and for whom this was true was, of course, a matter of debate, however especially during the Cold War, many Americans clung to the patriotic conviction that America was the land of the free. At the same time, another national ideal emerged that was far less contentious, that arguably came to subsume the ideals of freedom, opportunity, and equality, and that eventually embodied an unspoken consensus about what constitutes the good society in a postmodern setting. This was the ideal of choice, broadly understood as the proposition that the good society provides individuals with the power to shape the contours of their lives in ways that suit their personal interests, idiosyncrasies, and tastes. By the closing decades of the century, Americans were widely agreed that theirs was--or at least should be--the land of choice. In A Destiny of Choice?, David Blanke and David Steigerwald bring together important scholarship on the tension between two leading interpretations of modern American consumer culture. That modern consumerism reflects the social, cultural, economic, and political changes that accompanied the country's transition from a local, producer economy dominated by limited choices and restricted credit to a national consumer marketplace based on the individual selection of mass-produced, mass-advertised, and mass-distributed goods. This debate is central to the economic difficulties seen in the United States today.
Author : Steven Dale Soderlind
Publisher : Routledge
ISBN 13 : 1315291592
Total Pages : 667 pages
Book Rating : 4.98/5 ( download)
Download or read book Consumer Economics: A Practical Overview written by Steven Dale Soderlind and published by Routledge. This book was released on 2016-09-16 with total page 667 pages. Available in PDF, EPUB and Kindle. Book excerpt: This work focuses on the service economy, it introduces the fundamentals of markets, consumer choice, financial assessment, risk avoidance, and other topics.
Author : George Katona
Publisher : New York : McGraw-Hill
ISBN 13 :
Total Pages : 296 pages
Book Rating : 4.00/5 ( download)
Download or read book The Powerful Consumer written by George Katona and published by New York : McGraw-Hill. This book was released on 1960 with total page 296 pages. Available in PDF, EPUB and Kindle. Book excerpt: A product of work done at the Survey Research Center of the University of Michigan.
Author : Barry Schwartz
Publisher : Harper Collins
ISBN 13 : 0061748994
Total Pages : 308 pages
Book Rating : 4.98/5 ( download)
Download or read book The Paradox of Choice written by Barry Schwartz and published by Harper Collins. This book was released on 2009-10-13 with total page 308 pages. Available in PDF, EPUB and Kindle. Book excerpt: Whether we're buying a pair of jeans, ordering a cup of coffee, selecting a long-distance carrier, applying to college, choosing a doctor, or setting up a 401(k), everyday decisions—both big and small—have become increasingly complex due to the overwhelming abundance of choice with which we are presented. As Americans, we assume that more choice means better options and greater satisfaction. But beware of excessive choice: choice overload can make you question the decisions you make before you even make them, it can set you up for unrealistically high expectations, and it can make you blame yourself for any and all failures. In the long run, this can lead to decision-making paralysis, anxiety, and perpetual stress. And, in a culture that tells us that there is no excuse for falling short of perfection when your options are limitless, too much choice can lead to clinical depression. In The Paradox of Choice, Barry Schwartz explains at what point choice—the hallmark of individual freedom and self-determination that we so cherish—becomes detrimental to our psychological and emotional well-being. In accessible, engaging, and anecdotal prose, Schwartz shows how the dramatic explosion in choice—from the mundane to the profound challenges of balancing career, family, and individual needs—has paradoxically become a problem instead of a solution. Schwartz also shows how our obsession with choice encourages us to seek that which makes us feel worse. By synthesizing current research in the social sciences, Schwartz makes the counter intuitive case that eliminating choices can greatly reduce the stress, anxiety, and busyness of our lives. He offers eleven practical steps on how to limit choices to a manageable number, have the discipline to focus on those that are important and ignore the rest, and ultimately derive greater satisfaction from the choices you have to make.
Author : Lucy Black Creighton
Publisher : Lexington, Mass. : Lexington Books
ISBN 13 :
Total Pages : 168 pages
Book Rating : 4.86/5 ( download)
Download or read book Pretenders to the Throne written by Lucy Black Creighton and published by Lexington, Mass. : Lexington Books. This book was released on 1976 with total page 168 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Lizabeth Cohen
Publisher : Vintage
ISBN 13 : 0307555364
Total Pages : 578 pages
Book Rating : 4.66/5 ( download)
Download or read book A Consumers' Republic written by Lizabeth Cohen and published by Vintage. This book was released on 2008-12-24 with total page 578 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this signal work of history, Bancroft Prize winner and Pulitzer Prize finalist Lizabeth Cohen shows how the pursuit of prosperity after World War II fueled our pervasive consumer mentality and transformed American life. Trumpeted as a means to promote the general welfare, mass consumption quickly outgrew its economic objectives and became synonymous with patriotism, social equality, and the American Dream. Material goods came to embody the promise of America, and the power of consumers to purchase everything from vacuum cleaners to convertibles gave rise to the power of citizens to purchase political influence and effect social change. Yet despite undeniable successes and unprecedented affluence, mass consumption also fostered economic inequality and the fracturing of society along gender, class, and racial lines. In charting the complex legacy of our “Consumers’ Republic” Lizabeth Cohen has written a bold, encompassing, and profoundly influential book.
Author : Herbert M. Jelley
Publisher : Gregg Division McGraw-Hill
ISBN 13 :
Total Pages : 488 pages
Book Rating : 4.07/5 ( download)
Download or read book The American Consumer written by Herbert M. Jelley and published by Gregg Division McGraw-Hill. This book was released on 1985 with total page 488 pages. Available in PDF, EPUB and Kindle. Book excerpt: A consumer education textbook emphasizing controversial consumer issues and the daily problems of today's consumers.
