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

    Like many young men he is patriotic, adventurous and headstrong. He also feels assured of a bright future with his sweetheart Catherine. Patrick’s world comes crashing down around him when he becomes a pawn in the political aspirations of the United Irishmen under Wolfe Tone. He finds himself in prison sentenced to transportation to the penal colony of New South Wales and begins a downward spiral into rage and depression. Patrick’s saviour comes in the form of Father Michael O’Court, the chaplain of the prison ship Boddington. Over time Patrick is guided out of his depression and is able to accept the vastly different directions that his life’s journey has taken. He also finds an unlikely mentor in one Preston Balfour, a British Army officer who was originally his target for assassination, but who ultimately provides him with the means of restoring his life in a new land. Patrick’s life is complete when tragic circumstances eventually lead to him being reunited with Catherine for a new life in a new land. He comes to realise that the most important journey we travel is not measured in miles but by our changes within. Patrick’s Journey is a work of fiction, but is based on the real life history of the author’s great (6 times removed) grandfather.

    Topics covered include Investor Objectives, Building Your Team, Finding Wholesale Buyers, Finding Motivated Sellers, Finding Wholesale Properties, Deal Analysis, Negotiating With Sellers and Buyers, Making Offers, Contract Clauses, Marketing Your Deals, and Closings and Getting Paid. If you want to flip a house or see yourself flipping properties for a living, this ebook will teach you the basics of how to wholesale a house, also known as flipping houses. For the price it's a no-brainer, get it today and get started.

    The dust had yet to settle on the global financial crisis in 2009 when an unlikely Wharton grad was setting in motion a fraud of unprecedented gall and magnitude--one that would come to symbolize the next great threat to the global financial system. Billion Dollar Whale will become a classic, harrowing parable about the financial world in the twenty-first century.

    Faison, along with two partners, was an urban prince with cars, jewels, and people -- in awe of this million-dollar phenomenon -- at his feet. His legacy has been praised by hip-hop's top names in their lyrics, and his life was the basis for the urban cult classic film Paid in Full starring Mekhi Phifer, Wood Harris, and rapper Cam'ron and produced by Jay-Z's Roc-A-Fella Films. In Game Over, Azie brings forth a powerful memoir of New York's perilous drug underworld and music industry, with an intellect and wisdom to empower and challenge the street culture he knows so very well.

    By using a unique blend of Sarah's no bullsh*t style and an honest, inquisitive look at the universe and the law of attraction, you will learn to re-programme your brain to work for you, breaking down negative money blocks to replace them with new thought patterns for a positive money mindset. This book will have you seeing new money opportunities, feeling excited about your financial future and on the road to living your best life.

    In a psychological, dystopian thriller with Hitchcock-like twists, a young writer with some serious issues comes face to face with an enigmatic figure who's about to change the world forever. Set in present-day Atlanta, aspiring author Ben Swain struggles with internal demons while he tries to lead a normal life behind the wall of glass in his high-rise apartment ... until he meets the general.Not your typical dystopian tale, Prelude to Dystopia zeros in on the days leading up to a world-changing event and the lives of those who are transported from one reality to another in an instant. From Atlanta to Jekyll Island. From the coastal marshes of South Carolina to the Potomac. The action spirals to a whole new level when Ben and the new woman in his life attempt to flee from what's coming, only to learn the truth lies in the aftermath.

    But you're not doomed to spend your life drowning in debt or mystified by money. It's time to stop scraping by and take control of your money and your life with this savvy and smart guide. Broke Millennial shows step-by-step how to go from flat-broke to financial badass. Unlike most personal finance books out there, it doesn't just cover boring stuff like credit card debt, investing, and dealing with the dreaded "B" word (budgeting). Financial expert Erin Lowry goes beyond the basics to tackle tricky money matters and situations most of us face #IRL, including: - Understanding your relationship with moolah: do you treat it like a Tinder date or marriage material? - Managing student loans without having a full-on panic attack - What to do when you're out with your crew and can't afford to split the bill evenly- How to get "financially naked" with your partner and find out his or her "number" (debt number, of course) . . . and much more. Packed with refreshingly simple advice and hilarious true stories, Broke Millennial is the essential roadmap every financially clueless millennial needs to become a money master. So what are you waiting for? Let's #GYFLT!

    By learning about maro through the example of Wahei’s life, you can also become financially successful—and profoundly happy to boot.Often called “the Warren Buffet of Japan,” Wahei Takeda is the most successful investor in the country, and no doubt he’s the happiest one, too! My success is a direct result of listening and applying Wahei’s philosophy of “Maro Up!” to my own life and business. We know from personal experience, that if you take what you learn in this ebook and apply it to yourself, you too, will see success blossom in your life.

    Maybe you’re stuck in a boring industry. Maybe your boss likes to slam doors. The truth is that many smart, motivated people would quit in a heartbeat if they weren’t afraid of the financial risks…and, well, the unknown. Whether you want to upgrade your 9-5 or start your own company, Robbie Abed presents a foolproof strategy to find a better job—without stressing, worrying your family, or losing money. You’re talented. Talent is in high demand. You just have to know where to look. In this accessible handbook, full of anecdotes, stories, and tips, you’ll learn how to reconnect with your interests, sharpen your talents, build a network, experiment with ideas for next steps, elicit job offers, and negotiate for higher salaries than your last. Oh, and how to quit your job with aplomb (goodbye email template included). You’ve been miserable for long enough. Look at it this way: hating your job might be the best thing that could’ve happened to you. It’s a kick in the pants to learn survival skills for the coming jobpocalypse. As our machines get smarter, robots, cognitive machines, and the simple software on your computer will render old jobs obsolete. In other words, there is no such thing as job security. The goal of this book is twofold: to help you get out before the music stops, and to teach you skills to find a job you love. Not just once, but anytime, anywhere, in any economic climate, with almost any salary goal. You didn’t hear that wrong.

    Does it have to be like this? You're Not Broke, You're Pre-Rich will tell you that it really doesn't; you can have your avocado on toast and stop renting and start saving too.This essential handbook will help debunk the financial jargon and break the money taboo. Packed with actionable tips and no nonsense practical advice, You're Not Broke, You're Pre-Rich will teach you how to make your savings work for you, how you could invest your money, why you need to understand your pension, and why your financial health is just as important as your mental and physical health.This indispensable manual will be your comprehensive guide to financial freedom, giving you the confidence and conviction to regain control of your bank balance and live a happier, richer life.

    

    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

    

    It's beautiful, with its shiny scarlet cover and its blank pages full of promise. But Scarlet is absolutely not in the mood for a peace offering. Does Mum really think she can tear their family apart and expect Scarlet to be happy about it? And it's Dad's fault too. Why didn't he fight to keep them all together? Now Scarlet has to start a new life, and none of it was her choice. Scarlet decides there's only one thing she can write in the notebook. The truth, about everything...