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

    Howard in 1928-1939. In this book contains 17 stories of Solomon Kane, Bran Mak Morn , Cormac Fitzgeoffrey, El Borak, and Other Historical stories :1.Red Shadows, First published in Weird Tales, August 1928. Alternate title: Solomon Kane.( with free audiobooks link)2.Skulls in the Stars, First published in Weird Tales, January 1929. (with free audiobooks link)3.Rattle of Bones, First published in Weird Tales, June 1929. (with free audiobooks link)4.The Lost Race, First published in Weird Tales, January 1927. 5.Hawks of Outremer, First published in Oriental Stories, April-May-June 1931.6.The Blood of Belshazzar, First published in Oriental Stories, Fall 1931.7.The Daughter of Erlik Khan, First published in Top-Notch, December 1934.8.Hawk of the Hills, First appeared in Top-Notch, June 1935.9.Blood of the Gods, First published in Top-Notch, July 1935.10.The Country of the Knife, First published in Complete Stories, August 1936. Alternate title: Sons of the Hawk.11.Son of the White Wolf, First published in Thrilling Adventures, December 1936.12.The Lost Valley of Iskander, First published in 1934. Alternate title: Swords of the Hills.13.Gates of Empire, Published in Golden Fleece, January 1939. Alternative title: The Road of the Mountain Lion.14.Lord of Samarcand, First published in Oriental Stories, Spring 1932. Alternative title: The Lame Man.15.Red Blades of Black Cathay, Published in Oriental Stories, February-March 1931. (with free audiobooks link)16.The Lion of Tiberias, Published in Magic Carpet Magazine, July 1933.17.The Sowers of Thunder, First published in Oriental Stories, Winter 1932.

    Iron-clad cell phone contracts you can’t get out of with a crowbar. Paying big bucks for insurance you don’t need on a rental car or forking over $20 a day for supposedly “free” wireless internet. Every day we use banks, cell phones, and credit cards. Every day we book hotels and airline tickets. And every day we get ripped off.How? Here are just a few examples of how big business can get you:• You didn’t fill up the rental car with gas?Gotcha! Gas costs $7 a gallon here.• Your bank balance fell to $999.99 for one day?Gotcha! That’ll be $12. • You miss one payment on that 18-month same-as-cash loan?Gotcha! That’ll be $512 extra.• You’re one day late on that electric bill?Gotcha! All your credit cards now have a 29.99% interest rate.But not for much longer. In Gotcha Capitalism, MSNBC.com’s “Red Tape Chronicles” columnist Bob Sullivan exposes the ways we’re all cheated by big business, and teaches us how to get our money back–proven strategies that can help you save more than $1,000 a year.

    Do you want to know how to grow your own food? Or how to keep bees? How to forage for edible seaweed along the shoreline, or wild greens down by the stream? Maybe you're curious about growing mushrooms or how to grow the perfect tomato. You're invited to make these skills your own. Designed to be read with a pot of tea by your elbow and a notebook beside you, Milkwood is all you need to start living a more home-grown life. From DIY projects to wild fermented recipes, the in-depth knowledge and hands-on instruction contained in these pages will have your whole family fascinated and inspired to get growing, keeping, cooking and making. Milkwood is the name of Kirsten Bradley and Nick Ritar's first farm as well as their school where anyone can learn skills for down-to-earth living. Kirsten, Nick and a team of educators offer courses on topics contained in this book as well as permaculture design, natural building and much more. Kirsten and Nick live on a small regenerative farm near Daylesford, Australia, where many things from the sprouted grain they feed their chickens to ingredients that make up dinner is homegrown.

    Not big enough, not nice enough, not fast or hip enough.The American dream is based on wanting more. But does God's dream for the world look like the American Dream?In this five-week study, unpack what the patterns of God's kingdom look like compared to the patterns of our world. What is the value of enough, and how do we become more like the God who is close to the poor, the hungry, the meek, and the merciful?Economy of Love will challenge individuals to join in community, journeying together as they begin to consider a new standard of living-a personal economic threshold oriented not around the size of a monthly paycheck, but around the value of enough.

    He was a sailor and took part in the Klondike gold rush. The Call of the Wild, the classic story of sled-dog Buck brought him instant celebrity and established his readership to this day. Self-educated, London was heavily influenced by the works of Darwin, Marx, and Nietzsche. This, along with his earlier experiences converted him to socialism as he explains in this volume.Contents:- The Class Struggle- The Tramp- The Scab- The Question of the Maximum- A Review- Wanted: A New Law of Development- How I Became a SocialistThis book was converted from its physical edition to the digital format by a community of volunteers. You may find it for free on the web.

    This new breed of billion-dollar businesses proves it's possible to achieve enormous success while implementing sustainable principles that help consumers live better lives. Ranging from start-ups to business lines incubated within major multinationals, these companies collectively represent over $60 billion in revenue. What's more--many command wider profit margins and are growing faster than their conventional counterparts.Packed with eye-opening research, exclusive interviews, and enlightening examples from Chipotle, Toyota, Unilever, Tesla, General Electric, and more, Green Giants serves as a blueprint for sustainable success that anyone can follow.

    With the help of an incredibly supportive wife and a cadre of highly amused friends, Jared offers a glimpse at one man's family as they try to learn about their food and ask themselves what's really for dinner. Year of the Cow follows the trials and tribulations of a home cook as he begins to form a deeper relationship with food and the environment. From meeting the rancher who raised his cow to learning how to successfully pack a freezer with cow parts, Stone gets to know his bovine and delves into our diets and eating habits, examining the ethnography of cattle, how previous generations ate, why environmentalists and real food aficionados are mad for grass-fed beef, why certain cuts of beef tend to end up on our plates (while boldly experimenting with the ones that don't), and much more. Over the course of dozens of nose-to-tail meals, Jared cooks his way through his cow armed with a pioneering spirit and a good sense of humor. He becomes more mindful of his diet, makes changes to his lifestyle, and bravely confronts challenges he never expected—like how to dry beef jerky without attracting the neighborhood wildlife to the backyard, and how to find deliciousness in the less-common cuts of meat like the tongue and heart—sharing a recipe at the end of each chapter. By examining the food that fuels his life and pondering why we eat the way we do, Jared and his family slowly discover to how live a life more fully—and experience a world of culinary adventures along the way.

    To mark the event, National Geographic magazine commissioned seven articles that explore the fascinating issues—including demographics, food security, climate change, fertility trends, managing biodiversity—surrounding this topic, which are collected for the first time in this special ebook.   Envi­ronment editor Robert Kunzig starts by sketching out a natural history of population. The issues associated with population growth seem endless: poverty, food and water supply, world health, climate change, deforestation, fertility rates, and more. In additional chapters Elizabeth Kolbert explores a new era—the “Anthropocene,” or the age of man—defined by our massive impact on the planet, which will endure long after our cities have crumbled; and takes us to the Mediterranean, where she delves into issues associated with increasing ocean acidification. In Bangladesh, Don Belt explores how the people of this crowded region can teach us about adapting to rising sea levels. In “Food Ark” we travel deep within the earth and around the globe to explore the seed banks that are preserving the variety of food species we may need to increase food production on an increasingly crowded planet. In Brazil, Cynthia Gournay explores the phenomenon of “Machisma” and shows how a mix of female empowerment and steamy soap operas helped bring down Brazil’s fertility rate and stoke its vibrant economy. Additionally we explore threats to biodiversity, and the return of cities—which may be the solution to many of our population woes. Join National Geographic on this incredible journey to explore our rapidly growing planet.

     During a single historic weekend (September 12-14, 2008) the fate of Lehman Brothers was sealed, Merrill Lynch barely survived, and AIG became a ward of the federal government. Top CNBC anchor Maria Bartiromo spent the entire weekend taking frantic phone calls from the most powerful players on Wall Street and in Washington, as they toiled to keep the economy from complete collapse. Those CEOs and dozens of other sources gave Bartiromo behind-the-scenes details unavailable to other members of the media, of the crisis and its aftermath. Now she draws on her high-level network to provide an eyewitness account of the biggest events of the financial crisis including at length interviews with former treasury secretary Henry Paulson, former AIG chairman Hank Greenberg, former Merrill Lynch CEO John Thain, and JP Morgan CEO Jamie Dimon, among many others. Writing with both authority and dramatic flair, Bartiromo weaves a thrilling narrative that will make news. She also tackles the big questions: how did an unmatched period of market euphoria and growth turn sour, catapulting the economy into a dangerous slide? And in the long run, how will the near-catastrophe really change Wall Street?

    This pervasive yet little examined obsession is arguably the most powerful and devastating market force of our time-the engine of globalization, outsourcing, planned obsolescence, and economic instability in an increasingly unsettled world. Low price is so alluring that we may have forgotten how thoroughly we once distrusted it. Ellen Ruppel Shell traces the birth of the bargain as we know it from the Industrial Revolution to the assembly line and beyond, homing in on a number of colorful characters, such as Gene Verkauf (his name is Yiddish for "to sell"), founder of E. J. Korvette, the discount chain that helped wean customers off traditional notions of value. The rise of the chain store in post-Depression America led to the extolling of convenience over quality, and big-box retailers completed the reeducation of the American consumer by making them prize low price in the way they once prized durability and craftsmanship. The effects of this insidious perceptual shift are vast: a blighted landscape, escalating debt (both personal and national), stagnating incomes, fraying communities, and a host of other socioeconomic ills. That's a long list of charges, and it runs counter to orthodox economics which argues that low price powers productivity by stimulating a brisk free market. But Shell marshals evidence from a wide range of fields-history, sociology, marketing, psychology, even economics itself-to upend the conventional wisdom. Cheap also unveils the fascinating and unsettling illogic that underpins our bargain-hunting reflex and explains how our deep-rooted need for bargains colors every aspect of our psyches and social lives. In this myth-shattering, closely reasoned, and exhaustively reported investigation, Shell exposes the astronomically high cost of cheap.

    Did you know...; Almost 50% of supermarket fruit and vegetables contain pesticide residues?* UK supermarkets make 40p on every GBP1 spent on bananas while plantations workers are paid just 1p?* Supermarkets operate a climate of fear amongst their suppliers?* Every time a supermarket opens the local community loses on average 276 jobs?In the 1970s, British supermarkets had only 10% of the UK's grocery spend. Now they swallow up 80%, influencing how we shop, what we eat, how we spend our leisure time, how much rubbish we generate, even the very look of our physical environment. Award-winning food writer Joanna Blythman investigates the enormous impact that these big box retailers are having on our lives. She meets the farmers who are selling food to supermarkets for less than they need to survive, the wholesalers who have been eliminated from the supply chain, travels to suburban retail parks to meet the teenagers and part-timers who stack our shelves and reveals the hoops third world suppliers must jump through to earn supermarket contracts. This thought-provoking, witty and sometimes chilling voyage of discovery is sure to make you think twice before you reach for that supermarket trolley quite so enthusiastically ever again.

    From basketball prodigy to international phenomenon to seductive commercial ideal, Michael Jordan is the supreme example of how American corporations have used technology in a brave, massively wired new world to sell their products in every corner of the globe. LaFeber's examination of Nike and its particular dominion over the global marketplace is often scathing, while his fascinating mini-biography of Michael Jordan and the commercial history of basketball reveal much about American society. For this new paperback edition, LaFeber has added a chapter on globalization in a changed world, after mass protests and since September 11. "Bold, riveting....Brilliantly illuminates how hyper-US capitalism has spread its financial wings around the globe."—Douglas Brinkley "LaFeber brings an impressive intellect to bear on his subject."—Barbara Rudolph, Chicago Tribune

    authoritarianism – the ideological divide that defined the twentieth century. But when the cold war ended, “the end of history” was proclaimed. Soon the fire of freedom would burn worldwide, the experts said. And where markets were freed, human rights would inevitably follow. Or not. In the last twenty years, nations including India, Russia, China and the United Arab Emirates have disproved the idea that capitalism and democracy are inextricably linked. Emerging middle classes have proven themselves all too willing to sacrifice certain democratic rights – including free speech, an open media, and free elections – in exchange for prosperity. But they are not alone. We are all doing it. Alarmingly, Western democracy has adopted some of the attributes of that authoritarianism. Combining boots on the ground reporting with incisive analysis, award-winning journalist John Kampfner describes this alarming trend – one which has only been exacerbated by the global economic meltdown – and what citizens must do to counter it.

    Ultimately, it is the perceived health of the economy which determines how much we can spend on our schools, highways, and defense; economists decide how much unemployment is acceptable and whether it is right to print money or bail out profligate banks.  The backlash we are currently witnessing suggests that people are turning against the experts and their faulty understanding of our lives. Despite decades of steady economic growth, many citizens feel more pessimistic than ever, and are voting for candidates who voice undisguised contempt for the technocratic elite. For too long, economics has relied on a language which fails to resonate with people's actual experience, and we are now living with the consequences. In this powerful, incisive book, David Pilling reveals the hidden biases of economic orthodoxy and explores the alternatives to GDP, from measures of wealth, equality, and sustainability to measures of subjective wellbeing. Authoritative, provocative, and eye-opening, The Growth Delusion offers witty and unexpected insights into how our society can respond to the needs of real people instead of pursuing growth at any cost.