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

    And everything is based on the “science of investing” – evidenced with studies from peer-reviewed journals.Overall, this adds up to a complete retirement guide, packed with the latest and best knowledge. Don’t enter your retirement without it.

    How to lead a "rich" life during trying economic timesIn The Secret of Shelter Island, nationally renowned financial analyst and bestselling author Alexander Green explores the complicated relationship we all have with money and reveals the road map to a rich life.Drawing on some of today's best minds and many of history's greatest thinkers, The Secret of Shelter Island is both a much-needed source of inspiration and an insightful look at the role of both money and values in the pursuit of the good life.Addresses what really matters when it comes to money and how to make smarter decisions with what you have Describes the profound connection between money, character, personal philosophy, and outlook Other bestselling titles by Green: The Gone Fishin' PortfolioIf you want to understand what ultimately provides meaning, contentment, and the satisfaction of a life well-lived, then read The Secret of Shelter Island.

    . ." "There's no way . . ." "It's impossible . . ." Enough. Get off your ass make your "someday" goals a priority—today. After years of coaching and consulting hundreds of startup rookies as well as seasoned entrepreneurs, executives, and CEOs, Bedros Keuilian realized that most people who want to start a business, grow an existing business, author a book, make more money, or make a bigger impact usually take the long, slow, painful way to get there . . . and more than 80 percent of entrepreneurs never get to their desired destination or achieve their full potential in business. They treat their dream as if it were merely a hobby and dip their toes in the water, but they never commit to diving in—you get the idea. It's time to cut the bullshit excuses. Everyone has a gift, a purpose. It's your duty to figure out what your gift is and how you're going to share it with the world. Man Up: How to Cut the Bullshit and Kick Ass in Business (and in Life) is your guide to doing exactly that. Keuilian, founder and CEO of Fit Body Boot Camp and known as the "hidden genius" behind many of the most successful brands and businesses throughout multiple industries, will show you how to break out of the sea of mediocrity, get singularly focused on your purpose, and do what it takes—not only to achieve but dominate your goals. With Keuilian's no-nonsense approach in both business and personal spheres, you'll be able to define your purpose and have clarity of vision—and a plan—to make the quantum leap. Whether it's creating and growing a company, leaving a legacy, making a difference, or launching a new brand, you will discover how to use your passion, purpose, and sheer grit to overcome any adversity that attempts to derail your progress. If there's an area of your life in which you need to man up, this book will get you there.

    Six-Figure Freelancing shows writers how to make the most of the ballooning freelance industry by adopting a business-like approach to their craft, while offering insightful, first-hand advice to help maximize time and profit.• Includes worksheets and templates to assess and establish the best possible business strategy• Advice on time management and repurposing material for multiple markets, as well as how to gain a competitive edge in a growing market

    The updated 2017 guidance, its first since 2009, places a strong emphasis on the scalability and flexibility of the method and on how best to tailor it to the complexity and specific requirements of a project. The best practice represented by the PRINCE2 method is supported by a scheme that offers three levels of certification: Foundation, Practitioner and Professional. The PRINCE2 method comprises of seven themes, principles, and processes and equips practi-tioners with the skills and knowledge to manage projects in a wide range of environments.

    is a roadmap to financial security for the family CFO. Too much personal wealth management advice essentially boils down to goal-setting, which isn't helpful or effective in terms of overall financial planning. This book takes a different track, giving you a crash course in corporate finance and the tools to apply the field's proven, time-tested principles in the context of your family's financial situation. You'll learn the key principles of wealth creation and management, and learn how to make your intellectual and real capital work for you. Your family situation is unique, and your principles must sometimes differ from the standard financial advice--and that's okay. Life is not a template, and even the best strategy must be able to adapt to real-life situations. You'll learn to chart your own path to financial security, utilizing the author's own tools that he developed over 15 years as an active board member, chairman of the board, or chief financial officer of multiple companies.Oversimplified wealth management advice does not leave you equipped to manage your real-world finances. This guide is written with intellectual rigor, but in the language of family discussion, to give you a real, practical guide to being an effective family CFO.Create your own financial prosperity and security Align financial acumen with your family's specific situation Adapt to real-world situations and make your financial advisor work for youUtilize powerful financial tools to help you build financial independence Every family needs a CFO to manage wealth, and the principles of corporate finance apply from the boardroom to the living room. Family Inc. delivers actionable advice in the form of CFO training to help you plot a real-world family financial plan.

    That's what makes emerging high-growth industries so attractive. With no proven formula for making a profit, these industries represent huge opportunities for the companies that are fast enough and smart enough to capture them first. But building tomorrow's businesses while simultaneously sustaining excellence in today's demands a delicate balance. It is a mandatory quest, but one that is fraught with contradiction and paradox. Until now, there has been little practical guidance. Based on an in-depth, multiyear research study of innovative initiatives at ten large corporations, Vijay Govindarajan and Chris Trimble identify three central challenges: forgetting yesterday's successful processes and practices; borrowing selected resources from the core business; and learning how the new business can succeed.The authors make recommendations regarding staffing, leadership roles, reporting relationships, process design, planning, performance assessment, incentives, cultural norms, and much more. Breakthrough growth opportunities can make or break companies and careers. "Forget, Borrow, Learn" is every leader's guide to execution in unexplored territory.

    

    These specialists have begun forming shops of their own - the new modern version of the agency. Increased marketing fragmentation and brand's need for specialists means that the time has never been better for a freelancers or niche service providers to build their own small firms. All they're missing is the guidance they need to find their footing.While specialist agencies and freelancers are highly skilled, most have a lot to learn about the mechanics of starting and running an agency. Many of these specialists come from a different background than those who traditionally started agencies: they come from the internet, not the ad world. In Agency, Rick Webb provides a comprehensive guidebook - giving readers the knowledge, strategies, and understanding they'll need to make the exciting transition into a modern creative services firm. Drawing from his experience running his own digital ad agency and working with countless innovative tech start-ups, Webb focuses not just on how to get started, but how to survive in a competitive marketplace. This is a hands-on master class in everything that the agency manager needs to know. From understanding small business banking, to deciding how to price a job and manage procurement, to winning new business, Agency provides everything from basic business and leadership skills to insider tips and industry information. Webb outlines the shape of the ecosystem in which new agencies will be finding their place. Packed with personal anecdotes from his time starting and running the highly successful Barbarian Group, Webb provides practical techniques for building an agile company.Modern agency upstarts need a different sort of education, and Agency provides a remarkable crash course.

    Agreed on many fronts but I found his reinvention of these principles when applied to the service industry to be extremely insightful. The concept of a Minimum Valuable Service is unique, new and sets goals intended to deliver maximum value with measurable results. This is a must read for anyone in the global innovation economy." - Rick Rasmussen, NestGSV. International Business development.This book is a practical guide that explores how startup entrepreneurs and business leaders, who hold no Design degrees, can integrate Service Design into their development cycles in order to create sustainable, desirable and profitable new services. In the first part, Tenny explores the reasons why startups need to move away from the "make and sell" industrial logic we've been exploiting over the last century. To take its place he proposes a new service oriented mindset that carries the idea of "learn, use and remember" users' journeys. He also discusses the challenges our industrial society is facing and how the combination of design with a service oriented mentality can be key to help new and existent businesses make this shift. In the second part, he will take you on a journey through the MVS - Minimum Valuable Service - model. This model can seamlessly integrate Service Design into the Lean Startup or any Agile development cycle. It adds the human values needed to foster service innovations within the Lean's scientific approach. In this part of the book you will learn tools, methods and practices that will help you get your hands dirty with design.At some point every adventure requires a great guide, and this journey into the heart of the new is led impeccably by Tenny Pinheiro. Slyly sidestepping the pitfalls of the Lean Startup approach, he skillfully navigates us through to a deeper understanding of the forces shaping the evolving service economy. By trusting the wisdom of the many to help design the next phase of business, his approach taps into an inexhaustible source of creativity and innovation. The Service Startup is a trusty roadmap that you will long keep by your side. As Tenny might suggest: learn it, use it, and remember it. - Jamer Hunt, Parsons The New School for Design. Director for the graduate Program in Transdisciplinary Design."I'll admit it: I enjoy seeing someone who knows their stuff re-assemble and improve on the work of an adjacent profession. Tenny calls out what's lacking in the Lean Startup approach, in the most thorough and insightful ways. In the spirit of iteration, he's taken an existing approach and improved on it. If only all criticism were this good. I enjoyed his delightfully nuanced views on the world of services - how they're perceived, experienced, and remembered - as well as his historical perspectives on the worlds of design, business and marketing. Opinionated but also well-informed, this is a pragmatic, human-centric take on designing and delivering services that I'd recommend to anyone whose work affects other people. - Chad Thornton, Experience Designer, Airbnb"

    People both inside and outside the business all depend on a bookkeeper's accurate recordings. Bookkeeping For Dummies provides the easy and painless way to master this crucial art. You'll be able to manage your own finances to save money and grow your business. This straightforward, no-nonsense guide shows you the basics of bookkeeping--from recording transactions to producing balance sheets and year-end reports. Discover how to:Outline your financial road map with a chart of accounts Keep journals of cash transactions Set up your computerized books Control your books, your records, and your money Buy and track your purchases Record sales returns and allowances Determine your employee [is "employee" necessary here?] staff's net pay Maintain employee records Prepare your books for year's end Report results and start over Produce an income statement Complete year-end payroll and reports This guide features tips and tricks for managing your business cash with your books and also profiles important accounts for any bookkeeper. There's no question that bookkeepers must be detail-oriented, meticulous, and accurate. Bookkeeping For Dummies shows you how to keep track of your business's financial well-being and ensure future success!

    When John Hargrave first invested in cryptocurrency, the price of a single bitcoin was about $125; a few years later, that same bitcoin was worth $20,000. He wasn’t alone: this flood of new money is like the early days of the Internet, creating a new breed of “blockchain billionaires.” Sir John has unlocked their secrets. In Blockchain for Everyone, Sir John reveals the formula for investing in bitcoin and blockchain, using real-life stories, easy-to-understand examples, and a healthy helping of humor. Packed with illustrations, Blockchain for Everyone explains how (and when) to buy bitcoin, cryptocurrencies, and other blockchain assets, with step-by-step instructions. Blockchain for Everyone is the first blockchain investing book written for the layperson: a guide that helps everyone understand how to build wealth wisely. It’s the new investing manifesto!

    Companies that think winning their business is a simple matter of creating a Twitter account and applying outdated notions of "cool" to their advertising are due for a rude awakening. "Marketing to Millennials "is both an enlightening look at this generation of consumers and a practical plan for earning their trust and loyalty. Based on original market research, the book reveals the eight attitudes shared by most Millennials, as well as the new rules for engaging them successfully. Millennials: - Value social networking and aren't shy about sharing opinions - Refuse to remain passive consumers--they expect to participate in product development and marketing - Demand authenticity and transparency - Are highly influential--swaying parents "and" peers - Are not all alike--understanding key segments is invaluable Featuring expert interviews and profiles of brands doing Millennial marketing right, this eye-opening book is the key to persuading the customers who will determine the bottom line for decades to come.

    He's the first to land a 900 (two and a half full rotations). He's also among the richest pitchmen in any sport. And, in a sport that's especially youth-oriented, Tony Hawk, a 40-something father of four, still connects with his audience by staying true to who he is.Moving easily between the ramp and the boardroom, Tony currently runs one of the most acclaimed action sports companies, a clothing line, and video game series bearing his name that has sold over $1 billion worldwide, making it the biggest selling action sports game franchise in game history. He has secured endorsement deals with major brands such as McDonalds, Intel, T-Mobile and Kohl's; started the Boom Boom HuckJam action sports tour; and achieved worldwide acclaim from the ESPN X Games.Filled with Tony's typical modesty and humor, How Did I Get Here? tells the amazing story behind Tony Hawk's unprecedented success from skateboarder to CEO, and the secrets behind his lasting appeal. You'll find out how authenticity has served him well in all his achievements. You'll also understand how his story has shaped many of his fundamental values, including his huge desire to win and his strong sense of realism.Get the inside story of Tony Hawk beyond the skateboard as he answers the question: How Did I Get Here?