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

    In this linear construct, you go to work for a week and at week’s end you are compensated for that work. The next week you do more work and are compensated for that work, and so on. This is a common agreement between employers and employees in many countries, including the United States. The purpose of this book is to challenge that construct. It is the author's intent to suggest a more profitable arrangement for the creator of the product — the worker. The notion is that one could work on a project for a certain amount of time but the product of that project could pay dividends for a longer term. One might work for a week and be paid for the product of that work every week for many years. Imagine how this construct would compound income week after week, project after project. At some point, with numerous streams of income from a growing number of completed projects, one would be able to discontinue taking on new projects if he or she desired, living off the residuals of the projects he or she created to that point. Indeed, one could take a vacation, still earning income from work he or she completed long ago. With the help of Dr. Frederick Von Greensburg, Thaddeus Cooper breaks down the concept of passive income and outlines a strategy for creating streams of this revenue to supplement or replace traditional income. A self-help book for the masses and a manifesto for the most creative among us, Don't Give Your Work Away For Free: A free ebook by Thaddeus Cooper is a MUST READ!

    Her father’s tragic death earlier in the year still haunts her. For decades, Juan Velarde Cortez obsessively hunted a legendary treasure, and his passing has left unresolved feelings for Fawn. Now, when a series of grisly killings rock the small island community—each victim’s face has a distinct signature—Fawn suspects a bizarre connection between the murders, her father’s quest, and the death ritual of an infamous Seminole Indian from the 1800s. A cigar box that once belonged to her father appears to hold the key. As Fawn draws closer and closer to solving the 200-year-old puzzle and determining the killer’s identity, she will be forced to unravel historical clues that will lead her on a harrowing journey. Time is quickly running out as a serial killer is watching and waiting in the shadows. Will Fawn discover the truth before she becomes the next victim? With historical links and storyline twists, this follow-up to Gary Williams’ & Vicky Knerly’s debut novel, Death in the Beginning, engages all the necessary elements of and delivers a fast-paced, heart-pounding thriller. This is a new release of a previously published edition.

     The Heir The Arceneaux family has a long history of falling victim to circumstance--madness, embezzlement, even murder--but when the last of the unmarried females inherits the family plantation, she is determined their unfortunate legacy will end with her. After her father is imprisoned in New York, she embarks on a new life in New Orleans with what is left of all the hope she can muster. What she finds is an abandoned house, a fractured family, and an oppressed people. Determined to find her own way, she confronts the challenges head on, and soon realizes change is not something needed only for her, but for many. People of Color In the decades before the Civil War, Louisiana was the most advanced state on the topic of freedom. People of color were successful in business and owned property--some of which they acquired through the gifts or wills of white fathers whose black and mulatto wives and mistresses exacted better lives for their children. A Step Backward The Civil War brought change--any black lineage became cause for discrimination, even in Louisiana--and many blacks and mixed-race persons were relegated to occupations not unlike those of their ancestors. Women, though white, were expected to be hostesses and leave business to men--especially the business of voting. A Family Reunited Willows Plantation, still worked by the descendants of the slaves who built it, becomes the anchor to affect change and in a historical fiction story spanning five generations, author Cyndie Shaffstall, takes you on a journey through abolition and suffrage efforts of the 1700s and 1800s. A Voodoo priestess, a French artist, the first woman presidential candidate, and the world’s fair shed light on issues and provide opportunities to reunite and strengthen an entire family.Each book of The Delegate series reads as though you've come across someone's journal. While you read, the saga envelopes you, and it becomes your journal, and your story, as you are transported through time.

    An Absolutely No-Fluff guide to Unusual Social Media Marketing Strategies You have always wondered how some companies have made it big on social media and if you could do the same??Imagine if you could get your hands on all the behind-the-scene tactics employed by the successful brands..well, you don't have to imagine anymore...here's the answer;Unusually Effective: 25 Unusual yet Effective Social Media Marketing Strategies for Creating an Irresistible brand, Ultimate Business Growth and Massive Profits.Social Media Marketing is becoming a necessity, for a Small Business Enterprise and also for the large Corporate Mammoths...It is the easiest and fastest way to relay advertising and marketing products and services to your target market...And this book provides you the...Unfair Edge.The book is divided into 6 parts: # General Strategies # Video Strategies # Image Strategies # Hashtag Strategies # Facebook Strategies # Twitter StrategiesEnjoy 'Unusually Effective' and make your business achieve Mind Blowing Social Media Success

    

    Unbound) ISBN-10: 0515098914

    She suffered unbearable loss and tragedy that she would have to live with forever. For the next seventeen years, she suffered immeasurable pain and ridicule on behalf of the people that were supposed to love and protect her. Then she met Dame. The way that he had come into her life and saved it was more heroic than any superhero in a Marvel movie. Yet, she could not wholeheartedly accept the undeniable chemistry between them. Dame was the first man to make her feel secure, beautiful, and confident. He uplifted her. He ravished her. Yet, that was not enough to erase years of ugliness that had been on her, suffocating any possibilities of her having any kind of happily ever after.However, Dame is not a man that likes to be told no. He was demanding in the hood, and he was dominant when it came to the people that he loved. He is not that type of man to allow a woman to walk away from him. Yet, he only has the patience to be told no so many times before he gives up.Dame and Tempest's love journey is unconventional to say the least. Their road to unconditional, genuine love is full of bumps and violent turns that may never lead them into the arms of one another.Every beauty needs a beast... However, in this standalone, Urban Romance by Jessica N.Watkins, he is the beauty, and she is the beast.

     In the first vignette we see Henry's Aunt Betty and Uncle Dick as they celebrate a love that's been in place for fifty years. Vignette #2 is the story of a little incident that happened to Grey at the hotel. In the third vignette, we spend a few morning moments with Eliseo's sister, Elva and her kids as they get ready to head out for the day. In Vignette #4, we spend a few sweet moments with Mark Ogden, the local veterinarian, as he watches his wife, Sal, sleep. He's not only gorgeous, but a really good guy. Vignette #5 is a look at Deputy Stu Decker's home life. Things are about to change for this family. The Bellingwood books are written from Polly's perspective and every once in a while it's fun to look at what's happening behind the scenes from the viewpoint of other characters. These vignettes were originally published on the nammynools.com website and in the monthly email newsletter to Bellingwood readers.

    You will spoil the story and your own enjoyment if you read a series in the wrong order and you will miss the development of an author’s writing if you read their books in a helter-skelter fashion. With our original reading list you get the perfect tool to enjoy Rick Riordan’s books the way they where meant to be enjoyed. You can also use the reading list as checklist. Simply use the inbuilt highlight feature to highlight all the books that you have already read. Inside this book you will find a link that will allow you to download three classics for FREE along with three free audiobooks. Enjoy! Note To Readers This is a bibliography. The author and publisher of this book do not guarantee the accuracy and/or completeness of the content within this book and are not liable for damages arising from the use of this book. The bibliography portion of this book can be found in publicly available sources and only includes elements, such as titles and dates of publication, which are not subject to copyright protection. The bibliography is unofficial and not approved, authorized, licensed, or endorsed by any author, publisher, or organization mentioned within it.

    You can find that information anywhere, don’t have to buy my book to learn that. Wait! Oh! I did that in this book. I did explain how to make soap, I also did give you a few simple recipes too. But I hope that is not why you bought this book.In this book my goal is to explain to you in simple terms how to CREATE great natural and organic soaps and not just MAKE soaps, there is a difference. You will get to see and understand that difference when you understand each ingredients and how they interact and react with each other.& You will not have a great business if you are just making carbon copy of few soaps of other people which your customers can go buy from any local stores. What will make you unique is when you create a blend or two of your own and people start liking your creation. That is when you can hit the home run in business.Imagine growing your soap company into a local, regional and ultimately a national brand, where your soaps will be sold at every Whole food, Body, Bath and Beyond, Home Goods and many other great retailers.&This is a Two Part Book. In the first part I show you how to get started with soap making, I show you every steps you need to take to make your first batch of soap. Then I show you how to test your creation and how to figure out what works and what does not.On the second part of the book, I teach you everything you need to know about turning your new found passion into a successful business. I share my own story and how I turned my passion into a 6 figure business. Though this book is not about my success but yours, but I think you may find it inspiring that an average housewife like myself was able to build the business and then was able to sell it for a good profit. In the First Part I will Show You: Why you should your own Soap Making Business What Soap Making Equipment you will need How to get Started in Under a 1K How & Where to Buy Soap Making Supplies for Cheap What makes a soap Natural and Organic? What is the Difference between Fragrance and Essential oil How to use Various Natural Botanicals in your Soap and Make them Unique How to be Creative with various Soap Molds What and how to Use 32 Various Oils in your Soap How to Scent Your Soap How to Color your Soap with 11 Natural Colorants All the Soap Making methods Step by Step Soap Making Safety Rules to Follow Best & Easiest Recipes to Start with In the Second Part of the Book I Will Show You: Startup Costs for your New Homemade Soap Business How to get started, Step by Step Expected Average Monthly Revenue Average Monthly Expenses How to Start from Home and Save Money How to Find and Develop a Niche for your Soap Business The New Market Trends in the Soap Industry How to Price your Soap for Sale How to Calculate

    

    In this newest translation of The Art of War readers will benefit from the interpretations from other translators and strategist, as well as the 50 strategic rules, including: -- How to look for strategic turns to meet the competition-- How to attain strategic superiority and crush the competition-- How to plan surprise and stay ahead of the game-- And more timeless wisdom that will allow you to compete and win in the dynamic business environment!Business managers around the world have tapped into this ancient wisdom; it is time to master The Art of War for Manager for the existence and growth of your business!

    But for most of us, investing can be stressful and confusing, especially when supposedly expert predictions fail. Enter The 3% Signal. Simple and effective, Kelly’s plan can be applied to any type of account, including 401(k)s—and requires only fifteen minutes of strategizing per quarter. No stress. No noise. No confusion. By targeting three percent growth and adjusting holdings to meet that goal, even novice investors can level the financial playing field and ensure a secure retirement free from the stress of noisy advice that doesn't work. The plan's simple technique cuts through the folly of human emotion by reacting intelligently to price changes and automatically buying low and selling high. Relayed in the same easy-to-understand language that has made The Neatest Little Guide to Stock Market Investing such a staple in the investing community, The 3% Signal is sure to become your most trusted guide to investing success.