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

    During the summer of his senior year at college, while earning a B.A. in Economics and Political Science, David P. Spears spent eighty hours undercover as a panhandler. Systematically recording every transaction at the exit ramp, Spears captured a rarely seen picture of how modern urban charity works.This book is the record of his adventures, part economic research, part investigative journalism. Both the numbers and the stories behind the numbers provide answers to the questions we’ve all been wondering: Who gives more to panhandlers—men or women? What percentage of drivers roll down their windows to donate? And most important of all, how much can a panhandler earn per hour?Get out your bi-weekly pay stub—by the end of this book you’ll know if you make more or less than the guy with the cardboard sign.

    Barnett was only a law student when she came across the case that would change her life forever--that of Sharanda Jones, single mother, business owner and, like Brittany, black daughter of the rural South. A victim of America's ruthless and devastating war on drugs, Sharanda had been torn from the arms of her young daughter and was serving a life sentence without parole--all for a first-time drug offense. In Sharanda, Brittany saw haunting echoes of own life, both as the daughter of a formerly incarcerated mother and the one-time girlfriend of an abusive drug dealer. As she studied Sharanda's case, a system slowly came into focus: one where widespread racial injustice forms the core of our country's addiction to incarceration. Moved by Sharanda's plight, Brittany began to work towards her freedom.This had never been the plan. Bright and ambitious, Brittany was already a successful accountant with her sights set on a high-powered future in corporate law. But Sharanda's case opened the door to a harrowing journey through the criminal justice system, in which people could be locked up for life under misguided appeals for law and order. Driven by the realization that her clients' fates could have easily been her own, Brittany soon found herself on a quest to unlock the human potential of those our society has forgotten how to see. Living a double life, she moved billion dollar corporate deals by day, and by night worked pro bono to free Sharanda and others in near-impossible legal battles. Ultimately, her journey transformed her understanding of injustice in the courts, of genius languishing behind bars, and the very definition of freedom itself. A Knock at Midnight is Brittany's riveting, inspirational memoir, at once a coming-of-age story and a powerful evocation of what it takes to bring hope and justice to a system built to resist both at every turn.

    Beautifully written and powerfully argued, this is a masterpiece." --Lawrence Lessig, Harvard Law School, and author of Free Culture Worried about what a super conservative majority on the Supreme Court means for the future of civil liberties? From gun control to reproductive health, a conservative court will reshape the lives of all Americans for decades to come. The time to develop and defend a progressive vision of the U.S. Constitution that protects the rights of all people is now.University of California Berkeley Dean and respected legal scholar Erwin Chemerinsky expertly exposes how conservatives are using the Constitution to advance their own agenda that favors business over consumers and employees, and government power over individual rights.But exposure is not enough. Progressives have spent too much of the last forty-five years trying to preserve the legacy of the Warren Court’s most important rulings and reacting to the Republican-dominated Supreme Courts by criticizing their erosion of rights—but have not yet developed a progressive vision for the Constitution itself. Yet, if we just look to the promise of the Preamble—liberty and justice for all—and take seriously its vision, a progressive reading of the Constitution can lead us forward as we continue our fight ensuring democratic rule, effective government, justice, liberty, and equality.Includes the Complete Constitution and Amendments of the United States of America

    We have launched two successful Kickstarter projects, in turn paving the way for a new era of independent hardware manufacturing, and recently entered the software world with our first iPhone app. We have learned a lot in a short period of time, and wanted to share this information with the world. So we wrote a book. This book was written to offer guidance and inspiration for those charting a similar path, and covers topics such as running a small business, creating hardware products independently, launching a Kickstarter project, and tips for promoting your products. Everything is told through the lens of our own experience.It Will Be Exhilarating is a short read that will provide the needed kick to start making stuff. There isn't a better time than now.“There is no recipe for passion, no 5-step guide to making your idea real, but there is good, solid advice, and this book is filled with it.” – Clay Shirky, author, Here Comes Everybody“It Will Be Exhilarating is both fun and informative. I was shocked at how transparent and thorough Studio Neat are at sharing the details of their journey. Moreover, the book reads quick so you can get back to building your next great idea, but now with a bit of extra inspiration and insight.” – Shawn Blanc, shawnblanc.net"Dan and Tom had a wild ride through the early days of this alternative to make stuff by finding an interested audience that funds the costs of bringing a dream to fruition. This book tells those lessons learned from two successive and successful Kickstarter projects and the first two years of bootstrapping their company. Studio Neat has a practical roadmap for taking something you love and potentially making it your livelihood." – Glenn Fleishman, a freelance technology reporter who contributes to The Economist, Macworld, and BoingBoing“Tom and Dan have created a hitchhikers guide to the black art that is successfully funding a Kickstarter project.” – Ben Brooks, brooksreview.net

    Today, as much of the world succumbs to authoritarianism and democracy is undermined from its heart, Germany stands as a bulwark for decency and stability.Mixing personal journey and anecdote with compelling empirical evidence, this is a searching and entertaining exploration of the country many in the West still love to hate. Raising important questions for our post-Brexit landscape, Kampfner asks why Germany has become a model for others to emulate, while Britain still languishes in wartime nostalgia and fails to tackle contemporary challenges. Part memoir, part history, part travelogue, Why the Germans Do It Better is a rich and witty portrait of an eternally fascinating country.

    But wealth and influence weren't enough for Blankenship and his company, as they set about destroying corporate and personal rivals, challenging the Constitution, purchasing the West Virginia judiciary, and willfully disregarding safety standards in the company's mines—in which scores died unnecessarily.As Blankenship hobnobbed with a West Virginia Supreme Court justice in France, his company polluted the drinking water of hundreds of citizens while he himself fostered baroque vendettas against anyone who dared challenge his sovereignty over coal mining country. Just about the only thing that stood in the way of Blankenship's tyranny over a state and an industry was a pair of odd-couple attorneys, Dave Fawcett and Bruce Stanley, who undertook a legal quest to bring justice to this corner of America. From the backwoods courtrooms of West Virginia they pursued their case all the way to the U.S. Supreme Court, and to a dramatic decision declaring that the wealthy and powerful are not entitled to purchase their own brand of law.The Price of Justice is a story of corporate corruption so far-reaching and devastating it could have been written a hundred years ago by Ida Tarbell or Lincoln Steffens. And as Laurence Leamer demonstrates in this captivating tale, because it's true, it's scarier than fiction.

    Drawing from these practical, commonsense notions, The Cost of Rights provides a useful corrective to the all-or-nothing feel of much political debate nowadays (The Economist).

    It might seem easy, but it is actually very complicated.When Adam Smith proclaimed that all our actions were motivated by self-interest and the world turned because of financial gain he laid the foundations for 'economic man'. Selfish and cynical, 'economic man' has dominated our thinking ever since, the ugly rational heart of modern day capitalism. But every night Adam Smith's mother served him his dinner, not out of self-interest, but out of love.Even today, the unpaid work of mothering, caring, cleaning and cooking is not part of our economic models. All over the world, there are economists who believe that if women are paid less, then that's because their labour is worth less.In this engaging, popular look at the mess we're in, Katrine Marçal charts the myth of 'economic man', from its origins at Adam Smith's dinner table to its adaptation by the Chicago School and finally its disastrous role in the 2008 Global Financial Crisis.

    Today, they lead to Beijing.'When The Silk Roads was published in 2015, it became an instant classic. A major reassessment of world history, it compelled us to look at the past from a different perspective. The New Silk Roads brings this story up to date, addressing the present and future of a world that is changing dramatically.Following the Silk Roads eastwards, from Europe through to China, by way of Russia and the Middle East, The New Silk Roads provides a timely reminder that we live in a world that is profoundly interconnected. In an age of Brexit and Trump, the themes of isolation and fragmentation permeating the Western world stand in sharp contrast to events along the Silk Roads since 2015, where ties have been strengthened and mutual cooperation established.With brilliant insight, Peter Frankopan takes a fresh look at the network of relationships being formed along the length and breadth of the Silk Roads today, assessing the global reverberations of these continual shifts in the centre of power - all too often absent from headlines in the West. This important - and ultimately hopeful - book asks us to reassess who we are and where we are in the world, illuminating the themes on which all our lives and livelihood depend.

    Angelia was fourteen when she and a friend scrawled “Vote for Michael Jackson” on five stop signs. Charged with vandalism and defacing public property, Angelia was sent by Ciavarella to PA Child Care without her epilepsy medication and suffered a grand mal seizure her second night. Fifteen-year-old Charlie, arrested for unknowingly purchasing a stolen motorbike, was convicted of a felony and sent to PA Child Care for six weeks.Matthew, Angelia, and Charlie are just three children among the thousands who appeared in Ciavarella’s courtroom between 2003 and 2008 and were sent away—often with no attorney present and after only cursory hearings—to a detention facility in which, it later came to light, Ciavarella had a personal financial stake. As Kids for Cash reveals, this miscarriage of justice underscores a multitude of problems with our juvenile justice system, which too often criminalizes standard adolescent behavior, treats adolescents more harshly than if they were adults, and denies them their most fundamental constitutional rights.William Ecenbarger, a Pulitzer Prize and George Polk Award–winning investigative journalist who covered the case for the Philadelphia Inquirer, now gives us the first book-length account of this shocking story. In the tradition of true-crime legal thrillers from The Executioner’s Song to A Civil Action, Ecenbarger exposes a deeply corrupt and broken system that ruined the lives of many children and ultimately led to the judge’s conviction on charges of racketeering, fraud, tax violations, money laundering, extortion, and bribery. Fastidiously researched and utterly propulsive, Kids for Cash takes us deep inside a profoundly flawed legal system, revealing the twisted and haunting realities of America’s juvenile justice system.

    It is a place where an anonymous runner in the forest told me, miming an imaginary scoreboard and with a completely straight face, that he had dreamt that he would run 10km in 25 minutes. It is a place where they tell me that the air at Mount Entoto will transform me into a 2.08 marathon runner. It is a place, in short, of wisdom and magic, where dreaming is still very much alive.’Why does it make sense to Ethiopian runners to get up at 3am to run up and down a hill? Who would choose to train on almost impossibly steep and rocky terrain, in hyena territory? And how come Ethiopian men hold six of the top ten fastest marathon times ever?Michael Crawley spent fifteen months in Ethiopia training alongside (and sometimes a fair way behind) runners at all levels of the sport, from night watchmen hoping to change their lives to world class marathon runners, in order to answer these questions. Follow him into the forest as he attempts to keep up and get to the heart of their success.

    In A Generation of Sociopaths, Gibney examines the disastrous policies of the most powerful generation in modern history, showing how the Boomers ruthlessly enriched themselves at the expense of future generations.Acting without empathy, prudence, or respect for facts--acting, in other words, as sociopaths--the Boomers turned American dynamism into stagnation, inequality, and bipartisan fiasco. The Boomers have set a time bomb for the 2030s, when damage to Social Security, public finances, and the environment will become catastrophic and possibly irreversible--and when, not coincidentally, Boomers will be dying off. Gibney argues that younger generations have a fleeting window to hold the Boomers accountable and begin restoring America.

    Two years before the housing market collapsed in 2008, Donald Trump looked forward to a crash: “I sort of hope that happens because then people like me would go in and buy,” he said. But our future president wasn’t alone. While millions of Americans suffered financial loss, tycoons pounced to heartlessly seize thousands of homes—their profiteering made even easier because, as prize-winning investigative reporter Aaron Glantz reveals in Homewreckers, they often used taxpayer money—and the Obama administration’s promise to cover their losses.In Homewreckers, Glantz recounts the transformation of straightforward lending into a morass of slivered and combined mortgage “products” that could be bought and sold, accompanied by a shift in priorities and a loosening of regulations and laws that made it good business to lend money to those who wouldn’t be able to repay. Among the men who laughed their way to the bank: Trump cabinet members Steve Mnuchin and Wilbur Ross, Trump pal and confidant Tom Barrack, and billionaire Republican cash cow Steve Schwarzman. Homewreckers also brilliantly weaves together the stories of those most ravaged by the housing crisis. The result is an eye-opening expose of the greed that decimated millions and enriched a gluttonous few.

    The term "Liberty" is so commonly used in our country that it has become a mere cliche. But do we know what it means? What it promises? How it factors into our daily lives? And most importantly, can we recognize tyranny when it is sold to us disguised as a form of liberty? Dr. Paul writes that to believe in liberty is not to believe in any particular social and economic outcome. It is to trust in the spontaneous order that emerges when the state does not intervene in human volition and human cooperation. It permits people to work out their problems for themselves, build lives for themselves, take risks and accept responsibility for the results, and make their own decisions. It is the seed of America. This is a comprehensive guide to Dr. Paul's position on fifty of the most important issues of our times, from Abortion to Zionism. Accessible, easy to digest, and fearless in its discussion of controversial topics, Liberty Defined sheds new light on a word that is losing its shape.