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Peer-to-peer lenders originally sought to attract retail investors to its loan marketplace, but the lack of high-returning assets elsewhere in the market has made these platforms increasingly attractive to major asset managers and hedge funds.
Money is catching up to the technological trends transforming all aspects of society and business; entertainment, insurance, health-care, gaming, leisure, retail - all commercial and social verticals are going digital - including money itself.
I've made my records and I've done all the interviews. I've done lots of long tours. I've made stupid videos. I've done all that stuff and learned all the lingo and gone to radio stations and shmoozed with DJs on the air and met retail people.
In Peru, awareness of fake currency is so high that retail shops regularly provide cashiers with hole punchers. When a fake bill is received, the cashier quickly pops out a few holes before curtly returning the bill to an oft-surprised client.
I got a part-time job as a cashier at Home Depot in North Miami Beach on April 1, 1985. I didn't expect to be in retail all my life, but retail was ingrained in me from my grandmother. I enjoyed interacting with people, and I got opportunities.
The minute I stepped foot on the shop floor and started serving in a retail environment, I knew it was the career for me. I was a shop assistant for just one day, and I thought, 'This is it. This is the rest of my life. This is all I want to do.'
In the mid-1980s, there was a grassroots desire for American culture. Maybe it was not a definite harbinger to what was to come in terms of the fall of the Soviet Union, but it certainly gave a heads up to the global merging of the retail culture.
To make a bestseller, there are more customers than just your customers: Selling to the end-user is just one piece of the puzzle. In my case, I needed to first sell myself to the publisher to get marketing support and national retail distribution.
The median startup is a business that's capitalized with about $25,000. The financing of that business comes from the entrepreneur's savings. The business is a retail or personal service business, a hair salon or a clothing store, that kind of thing.
What we have is a pay structure that, on basic wages, is higher than market rate, as a general statement. When you look at other forms of retail, whether they be food or non-food, we pay more. If you look at our health care benefits, we pay a lot more.
Iowa is especially critical for underdog and cash-strapped campaigns, because the caucus system relies on grassroots organizing, enabling candidates with time for retail politicking to beat better-funded rivals. So underdogs usually seize on the state.
My grandmother was divorced, and she had 10 children herself. She never finished high school. She started selling lace on the side of the road and then grew that into a multimillion-dollar business - a retail store selling mostly furniture and appliances.
In many places, the zoning prohibits the mixing of retail and residential. This stupidity has been accompanied by stupidities in municipal policy, such as disallowing accessory apartments - under the theory that renters are incapable of behaving decently.
Style is a big part of my life. I used to work in retail before I was an artist; a lot of people didn't know that. I was so good at selling clothes and shoes, and just the lifestyle, that I could tell what size someone was wearing just by looking at them.
After I retired, it seemed to me that there was a whole new world out there, which was a digital world driven by a marketplace, basically, which had a huge potential driven by handheld devices, which would one day become the virtual retail store of India.
There's a game called Checkout where there's grocery items and it's how much you think the manufacturer's suggested retail price is and we add up your total, then your total has to be within $2 of the regular total. I don't think I could ever win that game.
In the traditional modernist planning that created the suburbs, you put residential buildings in suburban neighborhoods, office spaces into brain parks and retail in shopping malls. But you fail to exploit the possibility of symbiosis or synthesis that way.
Canada Day comes and goes modestly every year. Sure, there are retail sales promotions and a long weekend. But there isn't bluster or commodity in Canadian celebration. Canada isn't big on bunting. Or jet flyovers, fireworks, marching bands or military pomp.
I have always been drawn to fashion from an aesthetic and consumer standpoint. I honestly never thought that I could take my business training and apply it here. I worked in retail and was into fashion. It was something I liked, and people trusted my opinion.
I only like luxury fashion. You have to decide where you stand. I like well-made, authentic clothes, well-crafted tailoring. I also like the dream and fantasy of luxury, the exception and rarity of it. I have no interest at all in fast retail. It is ambiguous.
It is difficult to think of a major industry that AI will not transform. This includes healthcare, education, transportation, retail, communications, and agriculture. There are surprisingly clear paths for AI to make a big difference in all of these industries.
Aggression at a time when the economy was growing at substantial rates and the retail lending as an industry was growing at a substantial rate was an appropriate aggression. Caution at a time when the economic environment is so uncertain is an appropriate caution.
For food service industry and retail, I'm for the minimum wage being increased to at least $12. Not for manufacturing. Software and robotics are going to revolutionize manufacturing in the next 10 years. In the meantime, we have to compete with overseas manufacturing.
The idea of going somewhere where the salesperson is able to personalize the retail experience for you doesn't work anymore. Stitch Fix is an opportunity to provide a service for people who are looking for more than just buying the cheapest thing with one-day shipping.
Trying to move the volume of products we're talking about from place to place to get it ultimately into the customer's hands, to price these items, to market these items, I think the retail business is incredibly complex. But if you get it right, it's a beautiful thing.
Going forward, we are mindful of the challenges we face in the competitive retail landscape, but we have demonstrated that our concept of building compelling brands that focus on the customers' lifestyles can produce superior results. We will not waver from that concept.
I wanted to be a writer, but at the time, I spent my days working a retail job, my nights sleeping in my childhood bedroom, and while I had written short stories here and there, I didn't know how to write good fiction anymore than I knew how to perform good brain surgery.
No throne exists that has a right to exist, and no symbol of it, flying from any flagstaff, is righteously entitled to wear any device but the skull and crossbones of that kindred industry which differs from royalty only businesswise-merely as retail differs from wholesale.
Auctions typically are an opportunity for you to be able to acquire what you're looking for at a lower price; typically, the auctioneer sets the opening price at much lower than the retail price and certain interest develops and as more people come in it drives the price up.
I like shopping at retail places like JC Penney or Macy's, and maybe buying a top or a shirt, and then buying a skirt from Rue 21 or Forever 21 because they have the maxi skirts, which I appreciate so much, and then topping it off with something that I buy from a Somali shop.
I don't think we yet know - because it's probably not big enough - what exactly Amazon does to our cities, but whatever it is, I don't anticipate retail wastelands. If anything, it's maybe a wake-up call to retailers that they just have to offer something meaningful to customers.
I've been thinking about that a lot too lately, These Days. I think it's becasue I grew up in retail, in costumer service. I grew up having to talk to everybody, having to sell to everybody so now that I can just sell me, it's fun. It's not even a sale, it's really just me being me.
As we were growing retail, and it was a huge growth phase, it was very important to keep our quality under control. Therefore, it was not just distribution, not just back-office operations, but also the risk-management practices. And these we learned together, supported by technology.
Wal-Mart is an amazing success story. What I particularly admire very much about the late Sam Walton was his policy of valuing his employees. Giving value to employees is very rare in the retail industry. I also admire the strategies Walton used to build up his discount store concept.
Were the only major company in the U.S. that is solely in the professional beauty industry. We promised hairdressers when we started that we would stay with them. If I went retail tomorrow then we would be four times our size overnight, but Im going to be the one guy who kept his word.
We're the only major company in the U.S. that is solely in the professional beauty industry. We promised hairdressers when we started that we would stay with them. If I went retail tomorrow then we would be four times our size overnight, but I'm going to be the one guy who kept his word.
Both of my parents were college-educated within the curriculum in Haiti. When they came to the United States, both had to learn English. My mother worked in retail and continues to do so today, working as the lead sales representative in a fine-jewelry store. My father became a machinist.
I've had a lot of seedy side jobs. I've done it all. I've worked retail at the mall, just tons of side jobs, which I think are amazing for actors. I think everyone should have one! It helps you get more experiences, and the more experiences you have, the more you can channel into a character.
At age 28, I had no retail experience, no consumer marketing experience and no real Internet experience. But I decided I wanted to work for myself. I felt starting a company would enable me to get the responsibility I deserved and that I couldn't do that within the confines of a bigger company.
I need to know how many records I've sold, how many album equivalents from streaming, which territories are playing my music more than others, because it helps me in conversations about where we're gonna be playing shows or where I might open a retail location, like a pop-up store or something.
Investment banking has, in recent years, resembled a casino, and the massive scale of gambling losses has dragged down traditional business and retail lending activities as banks try to rebuild their balance sheets. This was one aspect of modern financial liberalisation that had dire consequences.
A robber who justified his theft by saying that he really helped his victims, by his spending giving a boost to retail trade, would find few converts; but when this theory is clothed in Keynesian equations and impressive references to the 'multiplier effect,' it unfortunately carries more conviction.
The rich pay more in total taxes now than ever before - ever. It's true. Just like it's true that when the rich are convinced they're going to be taxed more, they spend less. And when the top few percenters don't spend, there goes all your spending, because they account for half of all retail spending.
This is America. We pick our leaders through democratic politics - ballot boxes, campaign stops, and good old-fashioned retail electioneering. It's a system that doesn't work without thousands of volunteers and ordinary supporters getting out in public and making the case for their preferred candidates.
Not too far away from now - in the next 6-7 years - 75 million Americans will be retail buyers of healthcare. And they'll come to the marketplace with their own money and either a subsidy from their employer or a subsidy from their government. And it doesn't much matter - they'll be spending their money.
We have been investing in building a mobile-first selling capability by establishing the Consumer Channels Group to strengthen and align the device-selling motion and to expand our impact with OEM, retail channel partners and our operator channel, and by extending it with our opening of Microsoft Stores.
In the racialized space of capitalist gentrification, police are not only arbiters of the peace, they are the muscle of retail racism: You can only be in this space if you transcend your blackness by showing us some green dollars. Even then, there is no guarantee that green will transcend your black skin.
a great deal of the wealth at the top is built on the low-wage labor of the poor. Take Wal-Mart, our largest private employer and premiere exploiter of the working class. ... You think it's a coincidence that this union-busting low-wage retail empire happens to have generated a $65 billion family fortune?
At some point, all comics have to go out and be retail salesmen doing door-to-door. And this idea of somebody who totally knows their craft having to get up for free in front of a crowd to work out some stuff they're thinking in their head, still, after as much success as you can get, is really interesting.
JPMorgan was already, for the most part. Our businesses at JPMorgan share the same cash-management systems. The commercial bank, the private bank, the retail bank, they all use the branches. The cash-management system moves the money around the world - for global corporations, and for you, the consumer, too.