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

    This book was created for anyone looking for a simple to read, easy to follow yet powerful real estate investment guide on how to be a successful real estate investor in today's market.

     A duel with a... ninja??? Find out what happens next in STN 22! Disclaimer: This book is a work of fanfiction; it is not an official Minecraft book. It is not endorsed, authorized, licensed, sponsored, or supported by Mojang AB, Microsoft Corp. or any other entity owning or controlling rights to the Minecraft name, trademarks or copyrights. Minecraft ®/TM & © 2009-2016 Mojang / Notch / Microsoft *** Tags: kids books, minecraft handbook, minecraft, minecraft books,minecraft free, minecraft games, minecraft secrets handbook, minecraft xbox, minecraft tips, minecraft game, minecraft story book, Minecraft Steve series, free kids books, minecraft handbook free, minecraft comics, minecraft books for kids (Minecraft Kids Book, Minecraft Secrets, Minecraft Stories, Minecraft Book, Minecraft Villagers, Minecraft Books for Kids and Teens)

    Strapped-for-cash beginnings motivated her to strive for abundance and financial independence-goals she exceeded by age thirty as the founder of a multimillion-dollar business.Now she reveals the lessons she learned and the savvy strategies of other amazing women like designer Diane von Furstenberg and Congresswoman Marsha Blackburn. She shows how to: Say Yes to Yourself: Turn toward people and situations that enhance your well-being, and away from those that don't. Fall in Love with Your Money: When you treat your money with respect, keep track of it, and spend and save wisely, your money will always love you back. Act as If: Start your transformation by acting as if you already are as successful, intelligent, and prosperous as you want to be.

    Acclaimed professional wedding photographer Glen Rea Johnson not only teaches you how to take memorable photos, it also shows you how to start a wedding photography business. Packed with great tips and savvy advice, this new edition helps you set up efficient workflows, choose camera equipment, manipulate images, make impressive presentations, and launch smart, photo-based marketing strategies to build your business. The book is loaded with new, superb photos that illustrate photography techniques but it is not a portfolio of Glen's best work, and in fact a large percentage of the images in this book were actually pulled from the trash bin because those are the most valuable in showing what not to do, or how to avoid certain mistakes. This book shows you how to set up and capture beautiful photos, posed or candid, in all kinds of settings, for weddings and other special events. You will find information and practical marketing strategies for building your own photography business, including how to build a Web site that attracts clients. Covers camera equipment and accessories, post-shoot digital darkroom techniques, digital editing software, and how to print your images successfully. Gives you invaluable insights and tips from the author, who is one of the country's top wedding and special events photographers. Capture better pictures of some of life's most memorable events, and build a successful photography business with this indispensable guide!

    As he reveals in The Capitalist Code, "Life can be faced by moaning and complaining or it can be faced by study, work, optimism, and faith in the free capitalist system. Guess which side gets the happier life?"Most Americans have not inherited wealth or a successful business that could set them up for life. That means most Americans are destined for financial worry and concern for the rest of their lives. Right? Wrong! Ben Stein explains how the wonderful system of stock market capitalism can allow any American to build financial security. In this succinct guide, you will learn: Why it really is better to have money— and how to get there How to save first, and then spend— automatically Why investing in great companies is easier than you think That's what this book is all about: how to harness the incredible power of the U.S. economy for enjoyment and security by being owners of profitable businesses-by consistent, conservative investment starting as young as possible in a diversified port- folio of stocks. Anyone can be a capitalist—and should be. All it takes is a little bit of knowledge and an even smaller amount of action. All it takes is The Capitalist Code.

    The detailed, state-of-the-art information in this edition reflects current procedures and promotes the delivery of comprehensive patient care. This text provides nurses with the tools needed to deliver safe, cost-effective, high-quality patient care.More than 400 contemporary and traditional specialty surgical interventions, in addition to numerous minimally invasive surgical procedures, are explained.Approximately 1,000 full-color illustrations and photos build familiarity with surgical anatomy, procedures, methods and equipment.Places a strong emphasis on patient education and discharge planning, as well as patient safety.Best Practice boxes apply evidence-based practice to perioperative nursing.Sample Plans of Care link interventions to clearly identified outcomes.Research Highlight boxes translate research into practice for patient care.Addresses Emergency preparedness and bioterrorism considerations.Ambulatory, pediatric, geriatric, trauma surgeries, as well as complementary and alternative therapies, are given special attention.History boxes summarize significant historical events related to surgery and perioperative nursing.The latest invasive and non-invasive technological advances related to surgical procedures, including areas such as interventional radiology, are featured.Patient and Family Education boxes offer guidelines for pre- and post-procedural care, side effects and complications, discharge/follow-up care, home care, psychosocial care and referrals.Surgical Pharmacology tables summarize the drugs most commonly used for specific surgical procedures, including generic and trade names, purpose/description and pharmacokinetics.Patient Safety boxes highlight recent JCAHO initiatives designed to prioritize patient safety.Recent OSHA guidelines regarding workplace safety are emphasized.

    Read this book. -- Clark Howard, #1 New York Times bestselling author of Living Large in Lean Times"Financial planner Wes Moss offers you something different -- not just a plan to retire, but a way to do it sooner and to be happy when you do. - Atlanta Journal ConstitutionIf you think you need to win the lottery or work until you're 75 to retire with financial stability, Money Matters host Wes Moss has very good news for you. You Can Retire Sooner Than You Think reveals the secrets for ensuring a successful retirement--sooner rather than later.After conducting an intensive study of happy retirees to learn the financial practices they hold in common, Moss discovered that it doesn't take financial genius, millions of dollars, or sophisticated investment skills to ensure a safe, solid retirement. All it takes is five best practices:Determine what you want and need your retirement money forFigure out how much you need to saveCreate a plan to pay off your mortgage in as little as five yearsDevelop an income stream from multiple sourcesBecome an income investorGetting on the fast track to a great retirement is a lot simpler than the retirement professionals would have you believe. You Can Retire Sooner Than You Think provides the proven-effective, five-step formula for creating the retirement of your dreams.

    Then she unpacks seven essential money habits for living the life we really want—a life in line with our values, where we can afford the things we want to buy without being buried under debt, stress, and worry.The Joneses are broke. Life looks good, but hidden beneath that glossy exterior are credit card bills, student loans, car payments, and an out-of-control mortgage. Their money situation is a mess, and they’re trying to live a life they simply can't afford. So why exactly do we try so hard to keep up with the Joneses?Are we really living the lives we want, or are we chasing someone else’s dream, just trying to keep up appearances on social media, at church, and in our community? Why are we letting other people set the pace for our own family’s finances?In Love Your Life, Not Theirs, Rachel shows you how to buy and do the things that are important to you—the right way. That starts by choosing to quit the comparisons, reframing the way you think about money, and developing new habits like avoiding debt, living on a plan, watching your spending, saving for the future, having healthy conversations about money, and giving.These habits work, and Rachel is living proof. Now, she wants to empower you to live the life you’ve always dreamed of without creating the debt, stress, and worry that are all too often part of the deal. Social media isn’t real life, and trying to keep up with the Joneses will never get you anywhere. It’s time to live—and love—your life, not theirs.

    Through her accessible, empowering writing, Christy Whitman shares the fundamental principles that she’s discovered after more than twenty years of studying universal forces—such as polarity, alignment, resonance, momentum, and magnetism—and explains how to harness these forces to optimize your wealth and career. Exemplified by numerous case studies, Christy’s ten-step plan teaches you how to establish inner relationships with future clients, associates, and employees, work with light and energy to magnetize opportunities and resources, build a culture of value and appreciation that brings out the very best in those around you, and operate at your highest capacity. By mastering this process, you will enable yourself to achieve unimaginable success in your career, however you define it.

      Buy as many lattes as you want. Choose the right accounts and investments so your money grows for you—automatically. Best of all, spend guilt-free on the things you love.   Personal finance expert Ramit Sethi has been called a “wealth wizard” by Forbes and the “new guru on the block” by Fortune. Now he’s updated and expanded his modern money classic for a new age, delivering a simple, powerful, no-BS 6-week program that just works.  I Will Teach You to Be Rich will show you: • How to crush your debt and student loans faster than you thought possible • How to set up no-fee, high-interest bank accounts that won’t gouge you for every penny • How Ramit automates his finances so his money goes exactly where he wants it to—and how you can do it too • How to talk your way out of late fees (with word-for-word scripts) • How to save hundreds or even thousands per month (and still buy what you love) • A set-it-and-forget-it investment strategy that’s dead simple and beats financial advisors at their own game • How to handle buying a car or a house, paying for a wedding, having kids, and other big expenses—stress free • The exact words to use to negotiate a big raise at work  Plus, this 10th anniversary edition features over 80 new pages, including: • New tools • New insights on money and psychology • Amazing stories of how previous readers used the book to create their rich lives   Master your money—and then get on with your life.

     I am an independent mobile app entrepreneur just like you, and I wrote this book to teach you all my strategies for how to: - Get 1,000,000+ downloads from mobile app store marketing - Save money by doing your own ASO (search engine optimization SEO for Android and the Apple App stores) better than most consultants you might consider hiring - Create an app marketing strategy outside the app stores by getting press coverage and learning how to promote an app using social media and social sharing - Make money with effective app store monetization to help you maximize your app revenue with subscriptions, in-app purchases, publishing effective ads, selling affiliate products and other strategies used by successful mobile app businesses - Create a successful mobile app business I wrote this book with all my heart and soul. The book draws on my own years of experience building top apps in my niche, promoting apps, making money with my apps, and coaching other app entrepreneurs on how they can make turn their mobile apps into successful businesses. You will be getting the best of all worlds. First, I have very deep hands on experience building and growing my own apps. Second, I have a wealth of experience coaching and observing other app entrepreneurs whose experiences and aspirations are probably very similar to yours. In this book you get all the insights from me making my own apps a success, and the insights of the cumulative experiences of the people I've coached. This is a very to the point book with many actionable tips and strategies for how to promote your mobile app (iPhone or Android), make money from your smartphone applications, and generally treat it as a real business. All suggestions in this book are based on my own experiences promoting my own problemio.com business apps which at the point of latest revision of this book have cumulative 1,000,000+ downloads, and insights of me having coached over 100 other app entrepreneurs. I am an independent mobile application developer and mobile application entrepreneur just like you. I am not a multi-million dollar app development studio or a big company. If you are an independent app developer just like me, you can use the mobile application marketing strategies that I outline in this book. Many of the strategies are simple and effective, and you can begin working on them as early as today. The book contains over 20 strategies to promote your apps. They all worked for my apps and they will help you grow your app to its highest potential. After growing your app, you will be able to make good money from your app, and achieve the goals that you have for your app business. Get the book now, and become a pro at app store marketing (app store SEO which is otherwise known as ASO), and start increasing your app downloads and revenue today!

    I took a 2 week introduction to the fundamentals of fine woodworking at Boston’s North Bennet Street School. From there, I spent 3 years working at woodworking specialty retail stores, went to North Bennet full time for 2 more years, and set up shop as a custom furniture maker, which lasted for just over 7 years. Woodworking, on many levels, is an ongoing process of reduction and refinement: Big trees into big boards, into smaller boards, into smaller pieces. Grinding cutting tools, and then honing, and polishing the edges. Rough shaping, scraping and filing of wood, followed by coarse sanding, and on into finer grits. And, the progression of learning the rough basics, and the ongoing refining what you know, and what you can do. The purpose of this book is to provide a coarse introduction to getting into the hobby. I assume that you’ll seek out other sources of information as the need arises. Woodworking as a craft spans thousands of years, and I couldn’t hope to cover all that ground. Books have been published on the topic for centuries. Taunton Press started printing Fine Wood Working 40 years ago, and many other magazines have since come and gone, or showed up and stayed. And the internet, bless its tainted soul, has been ranting and raving at an exponential rate about just about anything for over 20 years. Information overload is a real risk, especially on the internet, and I can’t stress enough that it’s something to be careful of. But in the end, any real learning that occurs will happen at the bench, as you feel for yourself how your tools are working. You’ll understand more as you see how the project comes together. You’ll get better at visualizing objects, and processes, in three dimensions, as you make the things with your own hands. The printed word can only convey so much, and it doesn’t hold a candle to what your own two hands will tell you. Here Is A Preview Of What You'll Learn... Tools and Getting Set Up Materials Working With Wood Sanding and Finishing Hand Held Power Tools Joinery Design Suggested First Projects BONUS OFFER 16,000 Plans and Projects Much, much more! Take Action and Download Your Copy Today! ACCESS the #1 Woodworking Resource Online With Purchase Archive of 16,000 Woodworking Plans and Projects With Step-by-Step Instructions

    You'll never find a wiser advisor with a bigger heart.” -- Malachi Rempen: Filmmaker, cartoonist, author and self-described ruffian This book grew out of a series of letters to my daughter concerning various things—mostly about money and investing—she was not yet quite ready to hear. Since money is the single most powerful tool we have for navigating this complex world we’ve created, understanding it is critical. “But Dad,” she once said, “I know money is important. I just don’t want to spend my life thinking about it.” This was eye-opening. I love this stuff. But most people have better things to do with their precious time. Bridges to build, diseases to cure, treaties to negotiate, mountains to climb, technologies to create, children to teach, businesses to run. Unfortunately, benign neglect of things financial leaves you open to the charlatans of the financial world. The people who make investing endlessly complex, because if it can be made complex it becomes more profitable for them, more expensive for us, and we are forced into their waiting arms. Here’s an important truth: Complex investments exist only to profit those who create and sell them. Not only are they more costly to the investor, they are less effective. The simple approach I created for her and present now to you, is not only easy to understand and implement, it is more powerful than any other. Together we’ll explore: Debt: Why you must avoid it and what to do if you have it. The importance of having F-you Money. How to think about money, and the unique way understanding this is key to building your wealth. Where traditional investing advice goes wrong and what actually works. What the stock market really is and how it really works. Why the stock market always goes up and why most people still lose money investing in it. How to invest in a raging bull, or bear, market. Specific investments to implement these strategies. The Wealth Building and Wealth Preservation phases of your investing life and why they are not always tied to your age. How your asset allocation is tied to those phases and how to choose it. How to simplify the sometimes confusing world of 401(k), 403(b), TSP, IRA and Roth accounts. TRFs (Target Retirement Funds), HSAs (Health Savings Accounts) and RMDs (Required Minimum Distributions). What investment firm to use and why the one I recommend is so far superior to the competition. Why you should be very cautious when engaging an investment advisor and whether you need to at all. Why and how you can be conned, and how to avoid becoming prey. Why I don’t recommend dollar cost averaging. What financial independence looks like and how to have your money support you. What the 4% rule is and how to use it to safely spend your wealth. The truth behind Social Security.

    This 119-page document (which is all information content, and no extraneous illustrations) is a compilation of ten years of research into materials that can easily be found in any location around the world for free or under $1. The book teaches readers methods for effectively reselling items online on eBay and at the Amazon marketplace with extremely high profit rates. The author has successfully used the research relayed in this book to locate and sell over 12,000 items at an average profit of over 500%. Here are the Top Ten Benefits from reading Almost Free Money:Learn how to get your hands on tons of free items and materials that can be sold on the internet from home, or at physical locations if you prefer. Readers are provided with appendices containing over 520 such items, and the eBay categories where the items may be listed for maximum profit. Identify items that already exist in your home that can be sold for great money. We will take a tour through your home and property and discuss items that can make you money instantly! Find gold, silver and platinum for free in a variety of sources. Gold currently has a spot price of about $1700 a troy ounce. If you are an internet seller, and only selling on eBay, you are missing the boat! You will learn where to effectively sell your treasure.Learn what to look for while you are at garage sales, thrift stores, and flea markets. You will learn how to sell scrap metal - the ultimate free money. You will take a virtual trip to a scrap metal dealer. Selling scrap is easy and fun. Launch your home business for peanuts, and organize your business effectively, including record keeping and income tax issues.Learn how to research on the internet, the most important skill for an entrepreneur. Make money from home at any time of the day or night. You will build an inventory and make money while you sleep. Find inventory anywhere in the world. Anybody can do this! We are confident that you will enjoy the accounts of finding treasure for free, and benefit from the information provided in this book. Come on and in and join several thousand fellow savers, garage sale shoppers and scrappers who have ordered Almost Free Money.