Financing The American Consumer

Author : United States. National Business Council for Consumer Affairs. Sub-Council on Credit and Related Terms of Sale
Publisher :
ISBN 13 :
Total Pages : 76 pages
Book Rating : 4.55/5 ( download)

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Download or read book Financing the American Consumer written by United States. National Business Council for Consumer Affairs. Sub-Council on Credit and Related Terms of Sale and published by . This book was released on 1972 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Author : Lendol Calder
Publisher : Princeton University Press
ISBN 13 : 1400822831
Total Pages : 400 pages
Book Rating : 4.36/5 ( download)

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Download or read book Financing the American Dream written by Lendol Calder and published by Princeton University Press. This book was released on 2009-07-01 with total page 400 pages. Available in PDF, EPUB and Kindle. Book excerpt: Once there was a golden age of American thrift, when citizens lived sensibly within their means and worked hard to stay out of debt. The growing availability of credit in this century, however, has brought those days to an end--undermining traditional moral virtues such as prudence, diligence, and the delay of gratification while encouraging reckless consumerism. Or so we commonly believe. In this engaging and thought-provoking book, Lendol Calder shows that this conception of the past is in fact a myth. Calder presents the first book-length social and cultural history of the rise of consumer credit in America. He focuses on the years between 1890 and 1940, when the legal, institutional, and moral bases of today's consumer credit were established, and in an epilogue takes the story up to the present. He draws on a wide variety of sources--including personal diaries and letters, government and business records, newspapers, advertisements, movies, and the words of such figures as Benjamin Franklin, Mark Twain, and P. T. Barnum--to show that debt has always been with us. He vigorously challenges the idea that consumer credit has eroded traditional values. Instead, he argues, monthly payments have imposed strict, externally reinforced disciplines on consumers, making the culture of consumption less a playground for hedonists than an extension of what Max Weber called the "iron cage" of disciplined rationality and hard work. Throughout, Calder keeps in clear view the human face of credit relations. He re-creates the Dickensian world of nineteenth-century pawnbrokers, takes us into the dingy backstairs offices of loan sharks, into small-town shops and New York department stores, and explains who resorted to which types of credit and why. He also traces the evolving moral status of consumer credit, showing how it changed from a widespread but morally dubious practice into an almost universal and generally accepted practice by World War II. Combining clear, rigorous arguments with a colorful, narrative style, Financing the American Dream will attract a wide range of academic and general readers and change how we understand one of the most important and overlooked aspects of American social and economic life.

Author : United States. National Business Council for Consumer Affairs. Sub-Council on Credit and Related Terms of Sale
Publisher :
ISBN 13 :
Total Pages : 40 pages
Book Rating : 4.63/5 ( download)

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Download or read book Financing the American Consumer: Summary report. pt. 2. Committee reports written by United States. National Business Council for Consumer Affairs. Sub-Council on Credit and Related Terms of Sale and published by . This book was released on 1972 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Author : United States. National Business Council for Consumer Affairs. Sub-Council on Credit and Related Terms of Sale
Publisher :
ISBN 13 :
Total Pages : 78 pages
Book Rating : 4.84/5 ( download)

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Download or read book Financing the American consumer written by United States. National Business Council for Consumer Affairs. Sub-Council on Credit and Related Terms of Sale and published by . This book was released on 1972 with total page 78 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Author :
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.67/5 ( download)

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Download or read book Financing American Consumer written by and published by . This book was released on 1972 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

Author : Thomas A. Durkin
Publisher : Financial Management Associati
ISBN 13 : 0195169921
Total Pages : 737 pages
Book Rating : 4.28/5 ( download)

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Download or read book Consumer Credit and the American Economy written by Thomas A. Durkin and published by Financial Management Associati. This book was released on 2014 with total page 737 pages. Available in PDF, EPUB and Kindle. Book excerpt: This article provides an introduction to a law review symposium by the Journal of Law, Economics, and Policy on our book (co-authored with Michael E. Staten), Consumer Credit and the American Economy (Oxford 2014). The conference, held November 2014, collects several articles responding to and building on the research agenda laid out by our book. For those who have not read the book, this article is intended to summarize several of the main themes of the book, including discussion of economic models of consumer credit usage, trends in consumer credit usage over time, the use of high-cost credit, and behavioral economics.

Author : United States. National Business Council for Consumer Affairs
Publisher :
ISBN 13 :
Total Pages : 35 pages
Book Rating : 4.95/5 ( download)

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Download or read book Financing the American Consumer - a Business Report on Consumer Credit - Part 1 - Summary Report written by United States. National Business Council for Consumer Affairs and published by . This book was released on 1972 with total page 35 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Author : United States. National Business Council for Consumer Affairs
Publisher :
ISBN 13 :
Total Pages : 68 pages
Book Rating : 4.02/5 ( download)

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Download or read book Financing the American Consumer - a Business Report on Consumer Credit - Part 2 - Committee Reports written by United States. National Business Council for Consumer Affairs and published by . This book was released on 1972 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Author : National Business Council for Consumer Affairs (Washington, D.C.). Sub-Council on Credit and Related Terms of Sale
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.32/5 ( download)

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Download or read book Financing the American Consumer written by National Business Council for Consumer Affairs (Washington, D.C.). Sub-Council on Credit and Related Terms of Sale and published by . This book was released on 1972 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

Author :
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.90/5 ( download)

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Download or read book Financing the American Dream written by and published by . This book was released on 2001 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Once there was a golden age of American thrift, when citizens lived sensibly within their means and worked hard to stay out of debt. The growing availability of credit in this century, however, has brought those days to an end--undermining traditional moral virtues such as prudence, diligence, and the delay of gratification while encouraging reckless consumerism. Or so we commonly believe. In this engaging and thought-provoking book, Lendol Calder shows that this conception of the past is in fact a myth. Calder presents the first book-length social and cultural history of the rise of consumer credit in America. He focuses on the years between 1890 and 1940, when the legal, institutional, and moral bases of today's consumer credit were established, and in an epilogue takes the story up to the present. He draws on a wide variety of sources--including personal diaries and letters, government and business records, newspapers, advertisements, movies, and the words of such figures as Benjamin Franklin, Mark Twain, and P.T. Barnum--to show that debt has always been with us. He vigorously challenges the idea that consumer credit has eroded traditional values. Instead, he argues, monthly payments have imposed strict, externally reinforced disciplines on consumers, making the culture of consumption less a playground for hedonists than an extension of what Max Weber called the "iron cage" of disciplined rationality and hard work. Throughout, Calder keeps in clear view the human face of credit relations. He re-creates the Dickensian world of nineteenth-century pawnbrokers, takes us into the dingy backstairs offices of loan sharks, into small-town shops and New York department stores, and explains who resorted to which types of credit and why. He also traces the evolving moral status of consumer credit, showing how it changed from a widespread but morally dubious practice into an almost universal and generally accepted practice by World War II. Combining clear, rigorous arguments with a colorful, narrative style, Financing the American Dream will attract a wide range of academic and general readers and change how we understand one of the most important and overlooked aspects of American social and economic life.