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

    We are still waiting to find out who won. The Indy 500 was created to showcase the controversial new sport of automobile racing, which was sweeping the country. Daring young men were driving automobiles at the astonishing speed of 75 miles per hour, testing themselves and their vehicles. It was indeed a young man’s game: with no seat belts, hard helmets or roll bars, the dangers were enormous. When the Indianapolis Motor Speedway opened in 1909, seven people were killed, some of them spectators. Oil-slicked surfaces, clouds of smoke, exploding tires, and flying grit all made driving extremely hazardous, especially with the open-cockpit, windshield-less vehicles. Most drivers rode with a mechanic, who pumped oil manually while watching for cars attempting to pass. Drivers sometimes threw wrenches or bolts at each other during the race in order to gain an advantage. The night before an event, the racers would take up a collection for the next day’s new widows. Bookmakers offered bets not only on who might win but who might survive. Not all the participants in that first Indy 500 lived to see the checkered flag. Although the 1911 Indy 500 judges declared Ray Harroun, driving a Marmon Wasp, the official winner, there is reason to doubt that result. The timekeeping equipment failed, and the judges had to run for their lives when a driver lost control and his car spun wildly toward their stand. It took officials two days to determine the results, and Speedway authorities ordered the records to be destroyed. But Blood and Smoke is about more than a race, even a race as fabled as the Indianapolis 500. It is the story of America at the dawn of the automobile age, 29.99 a country in love with speed, danger, and spectacle. It is a story, too, about the young men who would risk their lives for money and glory, the sportsmen whose antics would thrill and outrage Americans in those long-ago days when the automobile was still brand new.

    Best-selling novelist David Hewson, author of the ever-popular Writing A Novel with Scrivener, offers a professional insight into how to use this unique app for writing fiction. This ebook covers all the aspects of Ulysses a writer needs to master in order to produce a finished book, from initial planning through to completed ebook, Word file or PDFs for publication, reading and revision. You will learn how to use Ulysses to structure a book into parts and scenes, ways to manage research and ideas and how to develop a novel from a bare outline through to first draft and revisions. Hewson also describes how Ulysses stores work uniquely in its own library, enabling you to work on the same draft manuscript across different machines while on the move. For budding screenwriters there is a section on how to use Ulysses to produce scripts to professional formats that can be edited later in movie apps such as Final Draft. And this release will also include a free upgrade to an updated edition covering the next release of Ulysses and the forthcoming iPad app. David Hewson (www.davidhewson.com) is the author of more than 25 novels published around the world. He adapted the award-winning TV series The Killing into acclaimed novel and recently launched a new crime series set in Amsterdam with The House of Dolls which has been optioned for Dutch TV.

    Worse, a secret society operating outside the law is intent on bringing the monsters back to life and restoring the creatures as rulers of mankind.Joshua and his ex-girlfriend soon find themselves pitted against vicious assassins, Russian Spetsnaz troops, and cold-blooded giants hungry for human flesh as they journey around the planet in their efforts to stop the secret society.But that’s only the start of their nightmare: Those reviving the army of giants have gained control of ancient stargates enabling an invasion of the seats of power around the globe including the Kremlin and White House. It's a massive power play that leaves the fate of the human race hanging in the balance.This fast-paced, spellbinding novel is a page-turner, with entertaining plot twists and surprises.“Adventure and mayhem, told with style!”“The characters showed personality and the book had imagination. I felt like I was watching a movie. The story line was great…. If you enjoy Stargate type movies I believe you'll like this book.”

    THIS BOOK has been written to cover BOTH the current ("2nd generation") Kindle Fire HD, AND the earlier ("1st Generation") Kindle Fire HD.<br><br></h2><br><br><h2>"Fantastic..." "Great Help..." "Easy for a non-geek to understand." -Actual reviewer comments for Kindle Fire HD Tips, Tricks, and Traps: A How-To Tutorial for the Kindle Fire HD</h2><br><i><br>"Fantastic! I searched and searched for a source to help me better understand my new Kindle. I was about to give up and then I found this book. I have discovered so many tips and tricks! I am enjoying my Kindle so much more!"<br><br>"Easy for a non-geek to understand. Thanks for writing a book that I can understand. Very basic guide to the kindle fire that is easy to follow and makes it easy to implement any suggestions offered. The directions given matched what is actually on my kindle fire. I have read a couple of books that were supposedly updated for late 2012 or for January 2013 that gave instructions for actions on my kindle fire that didn't match what I see on my device bough in December 2012. This is hugely frustrating to a tech novice. This book told me exactly where to go and what to do."<br><br>"Great help. This was a big help with my first venture in tablet land. A lot of good ideas. A must read for any kindle user."<br></i><br><br>So, you've got a Kindle Fire as a gift, or perhaps you bit the purchase bullet on your own because you wanted this impressive tablet. Do you want to get the most out of your new Kindle Fire HD? If you are looking for a top-notch tutorial at a reasonable cost, you've come to the right place! Here is the book that will teach you 100% of what you need to know. <b>Kindle Fire HD Tips, Tricks, and Traps: A How-To Tutorial for the Kindle Fire HD</b> is your detailed guide to getting the maximum benefit from your Kindle Fire HD.<br>In this comprehensive guide, you'll learn tips (ways to effectively use your Kindle Fire), tricks (ways to improve the operation of your Kindle Fire), and traps (things to avoid to prevent problems while using your Kindle Fire). You will learn-<br><br>• How to get around within the user interface, the home screen, and the carousel more efficiently<br><br>• How to make your Kindle Fire your own, customizing its display and operation for fastest and easiest use<br><br>• How to find THOUSANDS of FREE books, as well as movies and songs, for your Kindle Fire<br><br>• How to setup the security options to protect your account information<br><br>• How you can move your iTunes or other music library to your Kindle Fire<br><br>• How you can download YouTube videos to your Kindle Fire<br><br>* How to use the built-in camera and the new camera app provided by Amazon in a late 2012 software update<br><br>• Suggested apps that no Kindle Fire owner should be without<br><br>You will learn all of the above and more, with Kindle Fire Tips, Tricks, and Traps: A How-To Tutorial for the Kindle Fire HD as a part of your library.

    Shere began his journey with a tour of a traditional coal-fueled power plant in his home state of Indiana, but continued on, traveling from coast to coast as he spoke to scientists, scholars and innovators. Immersing himself in the green energy world, he installed solar panels, drove through a wind farm, investigated turbines deep in the East River, and interviewed scientists who create fuel from algae and grass. He also examined the role of renewable energy in history, including surprising and entertaining stories of innovations—like plant-based fuels and giant windmills—and the curious involvement of great thinkers like Henry Ford, Thomas Edison, and Nicola Tesla. Jeremy Shere's natural curiosity and serious research of energy technology in history and of today is leavened by lively writing and a Michael Pollan-esque approach, to create an intriguing vision of the future.

    The truth? In Saudi Arabia, the existence of Christian churches is prohibited, along with the Bible itself; no Christian or Jew can enter Mecca or Medina lest their mere footsteps desecrate Islam’s holiest sites. In Pakistan and Afghanistan and elsewhere in the Muslim world, conversion from Islam to Christianity is punishable by death. In Iraq, Syria, Nigeria and even the President’s beloved Indonesia, Christians, Hindus, Buddhists and other “infidels” often face acts of religious genocide by fundamentalists who invoke core Islamic texts and teachings to justify their actions.In short, as Robert Spencer shows in this work, the creed of Muhammad, far from being a religion of peace, has revealed itself in the post-9/11 world to be a religion of bigotry.

    Readers learn the grand and turbulent history of the motor car, from its earliest appearance in the 1880s—as little more than a powered quadricycle—and the innovations of the early pioneer carmakers. The author examines the advances of the interwar era, the Golden Age of the 1950s, and the iconic years of the 1960s to the decades of doubt and uncertainty following the oil crisis of 1973, the global mergers of the 1990s, the bailouts of the early twenty-first century, and the emergence of the electric car.This is not just a story of horsepower and performance but a tale of extraordinary people: of intuitive carmakers such as Karl Benz, Sir Henry Royce, Giovanni Agnelli (Fiat), André Citroën, and Louis Renault; of exceptionally gifted designers such as the eccentric, Ohio-born Chris Bangle (BMW); and of visionary industrialists such as Henry Ford, Ferdinand Porsche (the Volkswagen Beetle), and Gene Bordinat (the Ford Mustang), among numerous other game changers.Above all, this comprehensive history demonstrates how the epic story of the car mirrors the history of the modern era, from the brave hopes and soaring ambitions of the early twentieth century to the cynicism and ecological concerns of a century later. Bringing to life the flamboyant entrepreneurs, shrewd businessmen, and gifted engineers that worked behind the scenes to bring us horsepower and performance, The Life of the Automobile is a globe-spanning account of the auto industry that is sure to rev the engines of entrepreneurs and gearheads alike.

    A friend or acquaintance says, “You know, there’s an old bike that’s been sitting in this garage for years.” The hunt is on. And rather than the usual worthless Hondazukimaha pile of hopeless oxidation, at the back of that barn you find a genuine classic, the motorcycle collector’s dream.The Vincent in the Barn tells forty such stories--tales of motorcycle hunting dreams come true. From Ducatis in basements to Vincents abandoned in sheds, Harleys in barns to Brit bikes moldering behind urban garages, these are the stories that fuel every motorcyclist’s fantasies. The only difference? They’re true.See Tom Cotter, author of Motorbooks “In the Barn” series, interviewed by Jay Leno on JayLenosGarage.com: http://www.jaylenosgarage.com/video/j...

    

     Many of those most closely involved in cracking the Enigma code – Alistair Denniston, Frank Birch, Dilly Knox – had wrestled with German naval codes for most of the First World War. By the end of the war they had been successfully cracking a new code every day, from their secret Room 40 at the Old Admiralty Building, in a London blacked out for Zeppelin Raids. The techniques they developed then, the ideas that they came to rely on, the people they came to trust, had been developed the hard way, under intense pressure and absolute secrecy during the First World War. Operation Primrose Operation Primrose tells the story of the capture of U-110 – and with it a working Enigma machine. One of the biggest secrets of the war, the capture of that one machine turned the tide of the war. Turing and his colleagues at Bletchley Park worked tirelessly to crack the code, and with the working Enigma machine they finally had their break-through moment. This book sets the story, and the Enigma cryptographers, in context – at the heart of the Battle of the Atlantic, when it reached its crescendo in the pursuit of the battleship Bismarck the week after U110 was taken. It sets Bletchley Park in its wider context too, at the heart of an intricate and maverick network of naval intelligence, tracking signals and plotting them to divert convoys around waiting U-boats, involving officers like James Bond’s future creator, Ian Fleming. It also sets out the most important context of all, forgotten in so much of the Enigma history: that Britain’s own naval code had already been cracked, and its signals were being read, thanks to the efforts of Turing’s opposite number, the German naval cryptographer, Wilhelm Tranow. An exciting and enthralling true story ‘Operation Primrose’ is an excellently researched piece on the race for naval supremacy in the Second World War. Alan Turing Mathematician, philosopher, codebreaker. Turing was one of the most original thinkers of the last century - and the man whose work helped create the computer-driven world we now inhabit. But he was also an enigmatic figure, deeply reticent yet also strikingly naïve. Turing’s openness about his homosexuality at a time when it was an imprisonable offence ultimately led to his untimely death at the age of only forty-one. Alan Turing: Unlocking the Enigma seeks to find the man behind the science, illuminating the life of a person who is still a shadowy presence behind his brilliant achievements. Turing was instrumental in cracking the Nazi Enigma machines at the top secret code breaking establishment at Bletchley Park during the Second World War. But his achievements were to be tragically overshadowed by his supposedly subversive views and for his sexuality. Praise for David Boyle: ‘The tone of the book may be gloomy but there is plenty of entertainment value …’ - Anne Ashworth, The Times ‘Exhilarating’ - Daily Mail ‘He tells these stories, on the whole persuasively and with some startling asides.

    Remember what a wild frontier the early days of home gaming were? Manufacturers releasing new consoles at a breakneck pace; developers creating games that kept us up all night, then going bankrupt the next day; and what self-respecting kid didn't beg their parents for an Atari or a Nintendo? This explosion of computers, consoles, and games was genuinely unlike anything the tech world has seen before or since.This thoroughly researched and geeky trip down memory lane pulls together the most entertaining stories from this dynamic era, and brings you the classic tech that should never be forgotten.

    When research suggests how to harness brain evolution, a hunt ensues for a missing link―one that allows to design humans with skills that prodigies of old would have envied.As germline engineering and biological enhancement have become routine, ancient doubts have emerged under new guises: Who are we? Is there a purpose to life? Why is there so much suffering? When faith and science fail to answer these questions, personal greed and national interest quickly fill the void. But gene selection is expensive, and many are excluded from its benefits. The stage is set for tribalism and social discontent on a scale without precedent, and those caught in the fray, whether by choice or by chance, must play roles not always to their liking in the struggle of all creatures against the arbitrariness of existence.

    This comprehensive textbook uses a building-block approach that starts with the fundamental principles of system operation and progresses gradually to complex diagnostic and service procedures. Short sentences, concise definitions, and thousands of color illustrations help students learn quickly and easily. This newly revised text provides thorough coverage of the latest developments in the automotive field, including hybrid drive systems, computer network communication, and tire pressure monitoring systems. Organized around the eight ASE automobile test areas, Modern Automotive Technology is a valuable resource for students preparing for a career in automotive technology, as well as experienced technicians who are preparing for the ASE certification tests.

    You'll read about humans who are invisible to computers, how a default password once caused a zombie apocalypse and why airlines sometimes give away free tickets. This is also a book on how to prevent, avoid and reduce the impact of such problems. Our lives are increasingly tracked, monitored and categorised by software, driving a flood of information into the vast sea of big data. In this brave new world, humans can't cope with information overload. Governments and companies alike rely on computers to automatically detect fraud, predict behaviour and enforce laws. Inflexible automatons, barely smarter than a fridge, now make life-changing decisions. Clever marketing tricks us into believing that phones, TV sets and even cars are somehow smart. Yet all those computer systems were created by people - people who are well-meaning but fallible and biased, clever but forgetful, and who have grand plans but are pressed for time. Digitising a piece of work doesn't mean there will be no mistakes, but instead guarantees that when mistakes happen, they'll run at a massive scale. The next time you bang your head against a digital wall, the stories in this book will help you understand better what's going on and show you where to look for problems. If nothing else, when it seems as if you're under a black-magic spell, these stories will at least allow you to see the lighter side of the binary chaos. For people involved in software delivery, this book will help you find more empathy for people suffering from our mistakes, and discover heuristics to use during analysis, development or testing to make your software less error prone. <