The Credit Merchants; a History of Spiegel, Inc PDF Download
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Author: Orange A. Smalley
Publisher:
ISBN:
Category : Biography & Autobiography
Languages : en
Pages : 376
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Book Description
Marketing and distribution rank high in the economic growth and expansion of the United States, but up to now historians have tended to neglect these aspects of our development. Hence this unique history of an important family-owned enterprise that traces its evolution--covering one hundred years of America's economic growth--from a quality merchandise furniture store operating on a cash basis to a nationwide catalog business offering its customers 120,000 items on generous credit terms is of unusual importance. The company's experience between 1906 and 1965, the authors show, included the thrust of economic downturn, of institutional revolution such as the chain store, supermarket, discount houses, of changes in consumer preferences, in the legal, social, and technological spheres. Throughout its history, the authors conclude, the Spiegel Company illustrates one of the most innovative marketing institutions in the United States. Readers of American history will find the work fascinating. For students of business and marketing the book will be a model for future studies of its kind.
Author: Orange A. Smalley
Publisher:
ISBN:
Category : Biography & Autobiography
Languages : en
Pages : 376
Get Book Here
Book Description
Marketing and distribution rank high in the economic growth and expansion of the United States, but up to now historians have tended to neglect these aspects of our development. Hence this unique history of an important family-owned enterprise that traces its evolution--covering one hundred years of America's economic growth--from a quality merchandise furniture store operating on a cash basis to a nationwide catalog business offering its customers 120,000 items on generous credit terms is of unusual importance. The company's experience between 1906 and 1965, the authors show, included the thrust of economic downturn, of institutional revolution such as the chain store, supermarket, discount houses, of changes in consumer preferences, in the legal, social, and technological spheres. Throughout its history, the authors conclude, the Spiegel Company illustrates one of the most innovative marketing institutions in the United States. Readers of American history will find the work fascinating. For students of business and marketing the book will be a model for future studies of its kind.
Author: Jacob Rader Marcus
Publisher: Wayne State University Press
ISBN: 9780814321881
Category : Jews
Languages : en
Pages : 974
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Book Description
The third volume covers the period from 1860 to 1920, beginning with the Jews, slavery, and the Civil War, and concluding with the rise of Reform Judaism as well as the increasing spirit of secularization that characterized emancipated, prosperous, liberal Jewry before it was confronted by a rising tide of American anti-Semitism in the 1920s.
Author: Louisa Iarocci
Publisher: Routledge
ISBN: 1351539795
Category : Art
Languages : en
Pages : 432
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Book Description
In the late nineteenth century, the urban department store arose as a built artifact and as a social institution in the United States. While the physical building type is the foundation of this comprehensive architectural study, Louisa Iarocci reaches beyond the analysis of the bricks and mortar to reconsider how the ?spaces of selling? were culturally-produced spaces, as well as the product of interrelated economic, social, technological and aesthetic forces. The agenda of the book is three-fold; to address the lack of a comprehensive architectural study of the nineteenth century department store in the United States; to expand the analysis of the commercial city as a built and represented entity; and to continue recent scholarly efforts that seek to understand commercial space as a historically specific and a conceptually perceived construct. The Urban Department Store in America, 1850-1930 acts as a corrective to a current imbalance in the historiography of this retailing institution that tends to privilege its role as an autonomous ?modern? building type. Instead, Iarocci documents the development of the department store as an urban institution that grew out of the built space of the city and the lived spaces of its occupants.
Author: Lyn Thomas
Publisher: SIAM
ISBN: 1611974550
Category : Business & Economics
Languages : en
Pages : 380
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Book Description
Credit Scoring and Its Applications?is recognized as the bible of credit scoring. It contains a comprehensive review of the objectives, methods, and practical implementation of credit and behavioral scoring. The authors review principles of the statistical and operations research methods used in building scorecards, as well as the advantages and disadvantages of each approach. The book contains a description of practical problems encountered in building, using, and monitoring scorecards and examines some of the country-specific issues in bankruptcy, equal opportunities, and privacy legislation. It contains a discussion of economic theories of consumers' use of credit, and readers will gain an understanding of what lending institutions seek to achieve by using credit scoring and the changes in their objectives.? New to the second edition are lessons that can be learned for operations research model building from the global financial crisis, current applications of scoring, discussions on the Basel Accords and their requirements for scoring, new methods for scorecard building and new expanded sections on ways of measuring scorecard performance. And survival analysis for credit scoring. Other unique features include methods of monitoring scorecards and deciding when to update them, as well as different applications of scoring, including direct marketing, profit scoring, tax inspection, prisoner release, and payment of fines.?
Author: Marcus M. Spiegel
Publisher: U of Nebraska Press
ISBN: 9780803293571
Category : History
Languages : en
Pages : 372
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Book Description
Marcus M. Spiegel, a German Jewish immigrant, served with the 67th and 120th Ohio Volunteer regiments during the Civil War. He saw action in Virginia, Mississippi, Arkansas, and Louisiana, where he was fatally wounded in May 1864. These letters to Caroline, his wife, reveal the traumatizing experience of a soldier and the constant concern of a husband and father.
Author: Jon Stobart
Publisher: Routledge
ISBN: 1317199502
Category : Business & Economics
Languages : en
Pages : 620
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Book Description
Retail history is a rich, cross-disciplinary field that demonstrates the centrality of retailing to many aspects of human experience, from the provisioning of everyday goods to the shaping of urban environments; from earning a living to the construction of identity. Over the last few decades, interest in the history of retail has increased greatly, spanning centuries, extending to all areas of the globe, and drawing on a range of disciplinary perspectives. By offering an up-to-date, comprehensive thematic, spatial and chronological coverage of the history of retailing, this Companion goes beyond traditional narratives that are too simplistic and Euro-centric and offers a vibrant survey of this field. It is divided into four broad sections: 1) Contexts, 2) Spaces and places, 3) People, processes and practices and 4) Geographical variations. Chapters are written in an analytical and synthetic manner, accessible to the general reader as well as challenging for specialists, and with an international perspective. This volume is an important resource to a wide range of readers, including marketing and management specialists, historians, geographers, economists, sociologists and urban planners.
Author: Dr Louisa Iarocci
Publisher: Ashgate Publishing, Ltd.
ISBN: 140944743X
Category : Art
Languages : en
Pages : 259
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Book Description
In the late nineteenth century, the urban department store arose as a built artifact and as a social institution in the United States. While the physical building type is the foundation of this comprehensive architectural study, Iarocci reaches beyond the analysis of the brick and mortar to reconsider how the ‘spaces of selling’ were culturally-produced spaces, as well as the product of interrelated economic, social, technological and aesthetic forces.
Author: D. Marron
Publisher: Springer
ISBN: 0230101518
Category : Social Science
Languages : en
Pages : 260
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Book Description
It is commonly imagined that in recent years the rampant growth of consumer credit has lured American consumers into a crippling state of indebtedness, a state that has upended old cultural values of Puritan thrift and stimulated a frenzy of consumption. Drawing on the sociological concept of government and informed by a historical perspective, Marron presents a much more complex and nuanced reality. From its early antecedents in nineteenth century salary lending and instalment selling, she shows how the emergence and growth of consumer credit in the United States have always been subject to shifting regimes of control and regulation.
Author: Lendol Calder
Publisher: Princeton University Press
ISBN: 1400822831
Category : History
Languages : en
Pages : 394
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Book Description
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: Bruce G. Carruthers
Publisher: Princeton University Press
ISBN: 069123809X
Category : Business & Economics
Languages : en
Pages : 408
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Book Description
A comprehensive and illuminating account of the history of credit in America—and how it continues to divide the haves from the have-nots The Economy of Promises is a far-reaching study of credit in nineteenth- and twentieth-century America. Synthesizing and surveying economic and social history, Bruce Carruthers examines how issues of trust stitch together the modern U.S. economy. In the case of credit, that trust involves a commitment by debtors to repay money they have borrowed from lenders. Each promise poses a fundamental question: why does the lender trust the borrower? The book tracks the dramatic shift from personal qualitative judgments to the impersonal quantitative measurements of credit scores and ratings, which make lending on a much greater scale possible. It discusses how lending is shaped by the shadow of failure, and the possibility that borrowers will break their promises and fail to repay their debts. It reveals how credit markets have been shaped by public policy, regulatory changes, and various political factors. And, crucially, it explains how credit interacts with economic inequality, contributing to vast and enduring racial and gender differences—which are only exacerbated by the widespread use of credit scores and ratings for “big data” and algorithmic decision-making. Bringing to life the complicated and abstract terrain of human interaction we call the economy, The Economy of Promises is an important study of the tangle of indebtedness that, for better or worse, shapes and defines American lives.
