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Financing the American Dream: A Cultural History of Consumer Credit (Princeton Paperbacks) 🔍
Calder, Lendol Glen Princeton University Press, 3, 2001
英语 [en] · PDF · 3.5MB · 2001 · 📘 非小说类图书 · 🚀/lgli/lgrs/nexusstc/upload/zlib · Save
描述
At last--an accessible and scholarly history of the American consumer's best friend and worst enemy.--James Grant, author of and editor of "Lendol Calder is the first scholar in the field of modern U.S. social history to describe and analyze the century-long (1820s through 1920s) evolution of the incidence of debt, the availability of credit, and the prevailing attitudes toward both, as keystones to understanding twentieth-century changes in U.S. consumer cultureO. The quality of writing in the book is exceptional."--Otis A. Pease, University of Washington 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.
备用文件名
motw/Financing the American Dream_ A - Lendol Calder.epub
备用文件名
motw/Financing the American Dream_ A - Lendol Calder.pdf
备用文件名
lgli/K:\_add\!woodhead\!\!!\slow\(Princeton University Press) Financing the American Dream_ A Cultural History of Consumer Credit - Lendol Calder.pdf
备用文件名
lgrsnf/K:\_add\!woodhead\!\!!\slow\(Princeton University Press) Financing the American Dream_ A Cultural History of Consumer Credit - Lendol Calder.pdf
备用文件名
nexusstc/Financing the American dream: a cultural history of consumer credit/fccfa3c1ad82c9dfd7703c8f5a007afb.pdf
备用文件名
zlib/History/Calder, Lendol Glen/Financing the American dream : a cultural history of consumer credit_2634493.pdf
备选标题
9781400822836_Web.pdf
备选作者
Lendol Glen Calder; NetLibrary, Inc
备用出版商
Princeton University, Department of Art & Archaeology
备用出版商
Princeton Electronic
备用版本
Princeton University Press, Princeton, 2001
备用版本
United States, United States of America
备用版本
Core Textbook, Princeton, NJ, 2009
备用版本
New Ed edition, January 22, 2001
备用版本
Princeton, N.J, 2001, ©1999
备用版本
First Edition, 1999
备用版本
February 22, 1999
备用版本
1, 2001
备用版本
1, 2009
元数据中的注释
lg1424557
元数据中的注释
producers:
Acrobat Distiller 6.0 (Windows)
元数据中的注释
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元数据中的注释
Memory of the World Librarian: Slowrotation
备用描述
Cover 1
Contents 10
Acknowledgments 14
INTRODUCTION: Credit, Consumer Culture, and the American Dream 20
The Culture of Consumption 23
Consumer Credit: A Dark Continent 26
The Most Remarkable Phenomena in Modern History 33
The Myth of Lost Economic Virtue 40
The Credit Revolution and Consumer Culture 43
The Myth of Easy Payments 45
PART ONE: GETTING TRUSTED: DEBT AND CREDIT BEFORE CONSUMER CREDIT 52
CHAPTER 1 Beautiful Credit! The Foundation of Modern Society 54
A Mountain Load of Debt 55
I Buy Everything on Credit 58
Pawnbrokers: Bankers for the Poor 59
Small-Loan Lenders: Sharks and Leeches 66
Peddlers and Borax Houses 72
A Poverty of Which No Man Heareth 75
On the Book and on Time 76
Friends and Family 77
A Most Interesting Problem in Practical Finance 81
Trends in the Gilded Age Credit System 86
CHAPTER 2 Debt in the Victorian Money Management Ethic 91
The Economical Century 92
Mastering the Meaning of Money 97
The Victorian Way to Wealth 104
The Ethics of Debt 108
I Have Ever Been Opposed to Borrowing Money 121
PART TWO: GETTING THE GOODS: THE MAKING OF A CREDIT REVOLUTION 126
CHAPTER 3 Small-Loan Lending and the Rise of the Personal Finance Company 128
Usury and Illegal Lending 129
Arthur Ham and the Fight for Legal Lending 141
From Loan Sharks to Industrial Lenders 152
Counselors to the Consumer 164
CHAPTER 4 Hard Payments: The Rise of Installment Selling 173
Aladdin’s Lamp: The Origins of Installment Credit 174
Growth and Stigmatization, 1880–1915 183
Growth and Legitimization, 1915–1930 200
Automobiles on Time Payments 201
Financing Other Consumer Durables 216
He Makes Only $3,000 a Year, but Is Worth $112,290! 219
Regulated Abundance 223
PART THREE: GETTING CREDIT: THE LEGITIMIZATION OF CONSUMER DEBT 226
CHAPTER 5 From Consumptive Credit to Consumer Credit 228
The Latest Ally of the Devil 229
New Anxieties about Debt 234
Beware of the Slimy Coils of the Installment Evil 238
The Root of All Fears 247
A Cloud of Unrespectability 251
Defenders Come Forward 252
E.R.A. Seligman and a New Language of Credit 254
“A Vindication for Installment Paying” 266
Wise Borrowing and Foolish Borrowing 271
We Do Lend for Production 274
CHAPTER 6 Consumer Credit in the Great Depression 279
1929: Now We Test Installment Selling 279
Passing the Test 282
Consumer Constipation 288
Now You Can Owe Macy’s!—and the Government and the Banks, Too 291
Roads Not Taken 304
Epilogue 308
Notes 322
Index 382
A 382
B 382
C 383
D 385
E 385
F 386
G 386
H 387
I 387
J 388
K 389
L 389
M 389
N 390
O 391
P 391
Q 391
R 391
S 392
T 393
U 393
V 393
W 394
Y 394
Z 394
备用描述
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, andexplains 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.
备用描述
Annotation 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 er. Read more...
Abstract: Presenting a social and cultural history of the rise of consumer credit in America, this book focuses on the years between 1890 and 1940, when the legal, institutional and moral bases of today's consumer credit were established. Read more...
备用描述
<p><p>at Last--an Accessible And Scholarly History Of The American Consumer's Best Friend And Worst Enemy.--james Grant, Author Of </i>money Of The Mind</i> And Editor Of </i>grant's Interest Rate Observer</i><p>lendol Calder Is The First Scholar In The Field Of Modern U.s. Social History To Describe And Analyze The Century-long (1820s Through 1920s) Evolution Of The Incidence Of Debt, The Availability Of Credit, And The Prevailing Attitudes Toward Both, As Keystones To Understanding Twentieth-century Changes In U.s. Consumer Culture&ouml;. The Quality Of Writing In The Book Is Exceptional.--otis A. Pease, University Of Washington<p>calder Has Produced A Book That Will Not Only Add To What We Know About 'consumer Culture,' But Will Also Force Business Historians To Rethink The Relative Importance To The Rise Of Consumerism Of Management Innovations And Advertising. Calder Shows Clearly That There Is A Third Source Of Consumerism&#58; Installment Credit.--william R. Childs, Ohio State University<p></p> <h3>boston Globe - Charles Stein</h3> <p>lendol Calder Has Taken On Quite A Challenge: To Find Nice Things To Say About Consumer Credit. From The New Testament (owe No Man Anything) To Shakespeare (neither A Borrower Nor A Lender Be), Debt Has Acquired A Rotten Reputation. Borrowing Money Has Been Blamed For Causing Economic Misery, For Forcing People To Live Beyond Their Means, And For Destroying The Long-held American Virtues Of Thrift And Frugality.</p>
备用描述
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.
备用描述
Content: Credit, consumer culture, and the American Dream --
Beautiful credit! The foundation of modern society --
Debt in the Victorian money management ethic --
Small-loan lending and the rise of the personal finance company --
Hard Pyaments: the rise of installment selling --
From consumptive credit to consumer credit --
Consumer credit in the Great Depression.
开源日期
2015-12-23
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