Now the retail banking business model looks set to be transformed too. In Bye Bye Banks? James Haycock and Shane Richmond describe these startups, and to which areas of the banking industry they are laying siege. It shows that this assault is already well underway and that many incumbents are poised to be displaced, diminished and disintermediated. It draws on extensive research and on-and-off the record interviews with senior executives in some of the biggest banks. Haycock and Richmond conclude with the recommendation that traditional banks need to reinvent themselves by launching a ‘Beta Bank’: a lean, stand-alone organisation fit for the future for which they provide a ten-point operating model. This short book is a bold, urgent and timely analysis of the forces shaping the future of financial services. Its message to industry leaders in the sector could not be more simple: adapt or prepare to be disrupted. “This work accurately and concisely captures the effects of the disruption brought to the banking industry by the digital revolution. The comments by other banking and innovation professionals about their own experiences are particularly intriguing.” - Alessandro Hatami, former Innovation Executive at Lloyds Banking Group “James Haycock is a key voice for how the banking industry should and will change.” - Tom Hopkins, Product Innovation Director, Experian Consumer Services “If you are an incumbent retail bank, read it, get on with it, make it happen.” - Lee Sankey, former Group Design Director, Barclays

    So we’ve created a guide that will show you (or a friend or relative who’s just getting started): * How much you need to start investing. * The key steps for building long-term wealth. * Proven ways to find great companies to buy. Understanding these life-changing concepts will get any investor on the path to financial freedom. Built upon our 13 Steps to Investing Foolishly, The Motley Fool Guide to Investing for Beginners includes our top investors’ biggest mistakes, insights into different styles of investing, and much more. Plus, you get 3 great stock picks that we think could make a strong foundation to any portfolio.

    It explores the services that banks and their principal competitors (including savings and loans, credit unions, security and investment firms) offer in an increasingly competitive financial-services marketplace. The ninth edition discusses the major changes and events that are remaking banking and financial services today. Among the key events and unfolding trends covered in the text are: Newest Reforms in the Financial System, including the new Dodd-Frank Financial Reform Law and the Credit Card Accountability, Responsibility, and Disclosure (CARD) Act of 2009. Global Financial Sector coverage of the causes and impact of the latest "great recession." Systemic Risk and the presentation of the challenges posed in the financial system. Exploration of changing views on the "too big to fail" (TBTF) doctrine and how regulators may be forced to deal with TBTF in the future. Controlling Risk Exposure presentation of methods in an increasingly volatile economy

    He is worshipped before one starts any project. He is supposed to remove all obstacles, all unforeseen hurdles. His elephant head, viewed symbolically, makes a lot of sense. The elephant head indicates power.’ For a peaceful and prosperous 2018, this chapter titled, Ganesha’s Secret: Different people see God differently, is mandatory.

    The only issue was, somewhere along the line, life caused her to forget how to pray. Raised by a mother that despised her after the death of her grandmother, Mia lost all faith in the God that her grandmother taught her so much about. Kain came along at the right time and saved Mia from her mother's wrath. But when her woman's intuition starts sounding alarms she begins to see Kain for who he really is. Mia knew she could never trust her mother, but when she has to pull her trust away from Kain the heartbreak is unbearable. Secrets are revealed, the drama unfolds, and the only way Mia will get through this is to remember what her grandmother taught her.

    He shares his investing philosophy and offers advice on all aspects of financial planning, including engaging an adviser; building a property portfolio; investing in shares, bonds or managed funds; growing your superannuation; and ethical investment.It’s Your Money is an indispensable guide for anyone who wants to do more with their money. Alan shows how, with a few careful steps and some practical wisdom, anyone can invest sensibly and successfully. He gives you the tools to be confidently in charge of your money and your future, your way.It’s Your Money is an indispensable guide for anyone who wants to do more with their money

    He never realized he was poor until, in the seventh grade, kids at school made fun of his clothing. This was a turning point for Tom. He decided that he would never be poor again and wanted a better life. Tom’s story is the quintessential rags to riches tale, a narrative that embodies the American Dream. Now it’s his turn to pass it along, to share his training methods and proven business models with you in his book, The Boxcar Millionaire. Achieve genuine sales success, find your turning point and sell more than you ever thought was possible.

    Thousands have applied her simple but powerful teachings, based on mental and spiritual laws, to manifest such striking results. Now she’ll teach you how to “put the Universe on speed dial.”   Marilyn Jenett’s Feel Free to Prosper, destined to become a classic, is a simple, fast, and practical approach to prosperity—a compilation of this renowned prosperity mentor’s finest teachings, followed by her final gift to the reader: the legendary lesson from her flagship program that will fulfill her two-week promise. Her unique, easy-to-grasp style will take the mystery out of these esoteric laws.   You will learn to overcome your conditioned thinking, habitual words, and other aspects of consciousness that perpetuate lack. With new patterns of thought and speech, you’ll magnetize prosperity instead of repelling it and acquire a true sense of security. Most importantly, you will experience proof of your alignment with the universal parent that is ready to shower each of us with gifts far beyond our imaginings—and finally feel free to prosper.     "You need look no further than the pages of this great masterpiece." —Peggy McColl, New York Times-bestselling author

    Comprehensive and easy to understand, it provides brokers, operations personnel, and individual investors with definitive and up-to-the-minute explanations of each step in the trading process—from the moment a customer decides to buy or sell a security through the final requirements of record keeping.Written for both securities professionals and individual investors, whether domestic or in other countries, this new edition clearly explains the core of underwritings, new and established trading markets, transaction processing, margin, and more—while providing critical insights into the most recent wave of industry changes.David M. Weiss, a veteran securities professional, traces the entire process of buying or selling a security, from order management to transaction processing to the final posting on the firm’s books and records. He covers the specialized attributes of each function in a typical brokerage firm, as well as their relationships with commercial banks, transfer agents, clearing corporations, and depositories.After the Trade Is Made is the definitive resource for anyone eager to understand and confidently navigate the vast and often surprising world of securities.

    This book will help ensure that your faith is built on Christ alone and the assurance of spending eternity with Him, not the sometimes-scary flow of history. You will also get a complete education on Islam and its possible role in the End Times.”Joel RichardsonNew York Times bestselling author and internationally recognized teacherArab Spring, Christian Winter will help you tie newspaper headlines to your scriptural knowledge of the Last Days. Ralph Stice draws a clear link between the Arab Spring and the rise of a worldwide power that appears to be ushering in the coming Antichrist. This book will also show you what you need to watch for in tomorrow’s news and guide you on how to fortify your faith for stormy days ahead. The Western Church has much to learn from Christian brothers and sisters in the Middle East. Familiar Scripture passages are unfolding with new clarity to believers everywhere.Learn:•Why the Arab Spring had to happen to fulfill scriptural prophecy•How the Arab Spring led to the unleashing of pure Islam •Which nation could be the crucial link between East and West and produce an Antichrist figure•The responses of Middle Eastern Christians to intense persecution and what we Western believers can learn from themFear not! He will never leave us nor forsake us (Hebrews 13:5). We will discover Jesus in a fresh way when we face true persecution. How will your faith withstand the great distress, unequaled from the beginning of the world until now—and never to be equaled again (Matthew 24:21)? Brothers and sisters in Christ are facing this reality every day, right now. About the Author Ralph Stice has lived in Islamic communities on three continents over 11 years’ time as a witness for Christ. During that time, he has interacted with a wide variety of Muslims at many levels of society. He also has read widely on the subject of Islam and has spoken in nearly 100 churches about the world’s second-largest religion. He has recently founded RWS Ministries, a non-profit organization determined to inform Christians about Islam and inform Muslims about Jesus’s true identity and lordship. He blogs frequently on developments in the Islamic world and is a keen observer of political and spiritual developments in the Middle East.

    He has marshalled Aberdeen portfolios through numerous market cycles, and in this eBook reveals the secrets of his success, accompanied by the witty illustrations of cartoonist Fran Orford.

    The novel gives an insight into the life and times of Isaiah and his wife Bethulah, a prophetess. Their courtship and marriage is depicted sensitively and with humor. Gifted with eagle-like vision Isaiah is able to see the glory who is Jesus. Seer, statesman, evangelist, teacher and preacher, he is called by God to give a message which is often rejected. He lives during the reign of five kings, serving those kings who are men of faith loyally, but scorned by those who have fallen into idolatry. These are turbulent times with wars and rumors of wars and peoples being carried off into exile by the cruel Assyrians. To ensure Jerusalem's water supply in times of siege, wise King Hezekiah has a 1/3 mile tunnel built under Jerusalem, an amazing feat for that era. There are times of joy, with the Passover Feast being re-introduced with great celebrationsSurrounded by a group of disciples in his latter years, Isaiah pens his great work to the glory of God.His words resonate down the centuries: 'Unto us a child is born, unto us a son is given' and 'He was pierced for our transgressions.'Also in the series: Abigail: a Home for God. The story of David's 3rd Wife.

    For seven years, she has raised her daughter without a father.Scott Lamar never meant to abandon his daughter and pregnant girlfriend, but life happened, and college provided a means of escape. All that changed when he found faith in God, and now he wants to make up for his past mistakes. Is it ever too late to do the right thing?Mistletoe and Mochas by Lynnette BonnerChelsea Tan looks up from the mocha she's making to see Cannon Jones. She nearly drops the cup. He hasn't contacted her once in the past several weeks. She'd gotten his message loud and clear. But now he wants to spend time with her? Well, he'll just see how gullible she is this time! Cannon hopes Chelsea will understand the reasons he hasn't been in contact. But she's as frosty as the Seattle air the week before Christmas. He'd better put on all his charm. Maybe with the help of a few mochas and some mistletoe all will not be lost.Cephalopod Cupid by Kathleen FreemanLacey McDowell has the best job in the world. She's a Marine biologist at the Seattle Aquarium. Her favorite "exhibit," an octopus escape artist named Gabriel, should make the coming Christmas merry enough. But with her friend marrying her ex-boyfriend, it may be time for a change. The N.O.A.A. research vessel in port is looking for a marine biologist. But how can Lacey leave Gabriel? And what about the boy who loves her favorite cephalopod, or his father, a handsome executive who's moving to Seattle?Christmas Bells are Ringing by Lesley Ann McDanielHaving recently relocated to Seattle, Shelby longs for someone special in her life. When a handsome green-eyed stranger walks into the coffee shop where she works, her interest is piqued. Later, she finds a bag containing five beautiful hand-painted Christmas bells on the cream and sugar table. No one comes back to claim it, so she decides to do a little detective work. Does she dare hope that it will lead her to the stranger with the magnetic green eyes?Seattle Rayne by Sylvia StewartLoneliness has hovered over Rayne DeMarco's life. Frequent infusions of coffee have neither enlivened her flagging business as a freelance writer nor her social life. Seattle's gray winter skies seem to mirror her life. Then a mama cat with three rambunctious kittens finds a home in her above-the-garage apartment, and a handsome Montana cowboy, Matt Hayes, walks back into her life. Add a puppy who needs a little love and you have a Seattle romance that is as sure to warm your heart as the hot coffee Seattleites crave.All I Want for Christmas by Janalyn VoigtWhen Corey broke Hailey's heart, her best friend Matt picked up the pieces. If Matt wasn't a cubicle worker moonlighting as a Seattle street musician, this would be easy. But never mind that he stirs her emotions, Hailey can't afford a drag on her ambitions. She needs to climb the career ladder to keep her childhood home. Matt isn't about to tell Hailey that the 'fiddle' he carries is a Stradivarius or that he owns a tuxedo, not after his fiancé ditched him for a man with more money.

     Then he touched me. His touch thrilled my skin and teased my sensual delicacy. One night of pleasure became insufficient as I yearned for more and more of his graceful willingness to love me. To pleasure me in ways only he could. I welcomed an inconvenient love—an infinite connection to revamp the dull parts of my world. Then he caressed me, and I became hooked.

    The author is a founder of Alcoholics Anonymous (AA), Bill W. & Dr. Bob. It is the originator of the seminal "twelve-step method" widely used to attempt to treat many addictions, from alcoholism and heroin addiction to marijuana addiction, as well as overeating, sex addiction, gambling addiction, and family members of alcoholics, with a strong spiritual and social emphasis.