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!

    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

    The subjects covered include accounting, business history, business law, economics, entrepreneurship, ethics and social responsibility, finance, marketing, operations, organizational behavior, personal development, quantitative and qualitative research and strategy. It includes thorough explanations and examples of the "break-even analysis," used by MBAs for making cost, volume, pricing and profit decisions, as well as analysis of the emergence of brands in developing countries.This fourth edition includes a new concept for each chapter, including crowdfunding, digital marketing, business incubators and the 80/20 principle. It provides coverage of the key optional modules: Mergers and Acquisitions and International Business, and features new case studies on Heinz, Adidas, Puma, Nike, and Shell.  With a range of free online resources for readers to revise and test their knowledge, this bestselling guide is packed with models, international case studies and practical applications of key theories, placing MBA skills within reach of all professionals and students.

    They marshal trillions of dollars on behalf of their institutions and influence how capital flows throughout the world.But these elite investors live outside of the public eye. Across the entire investment industry, few participants understand how these holders of the keys to the kingdom allocate their time and their capital.What's more, there is no formal training for how to do their work.So how do these influential leaders practice their craft? What skills do they require? What frameworks do they employ? How do they make investment decisions on everything from hiring managers to portfolio construction?For the first time, CAPITAL ALLOCATORS lifts the lid on this opaque corner of the investment landscape.Drawing on interviews from the first 150 episodes of the Capital Allocators podcast, Ted Seides presents the best of the knowledge, practical insights, and advice of the world's top professional investors.These insights include:- The best practices for interviewing, decision-making, negotiations, leadership, and management.- Investment frameworks across governance, strategy, process, technological innovation, and uncertainty.- The wisest and most impactful quotes from guests on the Capital Allocators podcast.Learn from the likes of the CIOs at the endowments of Princeton and Notre Dame, family offices of Michael Bloomberg and George Soros, pension funds from the State of Florida, CalSTRS, and Canadian CDPQ, sovereign wealth funds of New Zealand and Australia, and many more.CAPITAL ALLOCATORS is the essential new reference manual for current and aspiring CIOs, the money managers that work with them, and everyone allocating a pool of capital.

    The book begins by addressing many of the challenges stock market investors face today and the various ways many investors use the stock market to achieve their goals.A valuable discussion of where paper assets fit (and do not fit) in the context of Rich Dad principles and its place among the other assets classes such as real estate business and commodities.The bulk of the book educates investors on "Andy's 4 pillars of stock market income" and effectively simplifies the four concepts to help investors begin to harness their power.The book concludes with ideas for an individual action plan suited to the goals of the reader

    Read this book, and learn from one of the best…” -Ken McElroy, Principal of the MC Companies, Best-Selling Author of “The ABCs of Real Estate Investing”, International Speaker and Real Estate Advisor to Robert Kiyosaki. Discover the (surprising) secret to lifelong financial freedom with real estate investing Real estate has always been a powerful tool for investing, and many people believe that a single-family home investment strategy will help them achieve their goals. However, the true path to financial freedom using real estate is found in apartment buildings.Real estate investing expert and author Michael Blank learned that once investors did their first deal, the curious “Law of the First Deal” led to the second and third deals in rapid succession. Most were able to quit their jobs within 3-5 years of getting started.Of course, when most people hear "apartment buildings" they immediately assume they need years of investing experience and money saved up to be able get into the game. This simply isn't true. Michael has compiled the results of his research into his new book, Financial Freedom with Real Estate Investing: The Blueprint to Quitting Your Job with Real Estate – Even without Experience or Cash. He's outlined the “Financial Freedom Blueprint” that guides you through your first multifamily deal, even if you have no prior experience or your own cash.In this book, you'll learn the secrets of being a successful apartment building investor, including: How to raise all the money you need to do your first deal. How to get your offers accepted even if you’re new to the game and don’t have proof of funds. How to analyze deals and make offers in as little as ten minutes. The #1 way to find the best deals. Apartment building investing is the only true way to achieve financial freedom with real estate. And the best part? You can get started today, even if you don’t have prior experience or your own cash. You just need to follow the Financial Freedom Blueprint.Financial Freedom with Real Estate Investing is your guide to the world of apartment building investing. By the end, you’ll have all the information you need to do your first apartment building investment within the next 3-12 months – placing you just a few deals away from permanent financial freedom. Take that first step today! Scroll up and click the “Buy Now” button.

    Topics include: Strategies for risk management, such as market, credit, operating, reputation, legal, and funding riskKey investment banking operations including: venture capital and buyouts, Merger & Acquisitions services, equity underwriting, debt, underwriting securitization, financial engineering, investment management, and securities servicesThe latest information on competition and government regulationsRelationships between leveraged buyout (LBO) funds, hedge funds, and corporate and institutional clients

    Howard Farran shows that running a business isn’t all that complicated—if, you’re focusing on the right three areas: •People: maximizing the potential of employees, customers, and yourself.•Time: mastering the efficiency that helps a business turn the biggest profit possible.•Money: learning to love the numbers that function as the business’s scorecard.With simplicity, good humor, and plenty of stories Dr. Farran reveals the actions that can lead anyone to bigger profits, happier people, and a more fulfilling life.

    Perhaps you thought of grocery stores or something sexy like internet retailing, but chances are you didn’t think of banking. Yet, most likely you interact with a bank every time you’re paid and when you pay your bills. Banks facilitate the flow of money through the economy and even if you don’t interact with a bank daily, the businesses you deal with on a daily basis do. For all the interaction people have with banks, few understand how they work or why they work. Even fewer understand why they should consider including bank stocks in their investment portfolio. There are a lot of misconceptions about banks, including understanding what they are and what they do. For many people the word “bank” evokes images of receiving a toaster upon opening an account, or thoughts of security related to the storing of precious items in a safety deposit box. Others might go further and tap their inner Michael Moore and talk about how banks are greedy and evil. It’s our belief that banks aren’t just places to store idle savings (on which you receive virtually nothing in interest) or to cash checks, but that they should be an integral part of an investor’s portfolio. The goal of this book is to provide you with a foundation and framework with which you can both begin to understand banks, but also learn the basic tools used to analyze banks as investments.

    This highly accessible book is aimed at anyone who wants to improve their financial situation, from the financial novice who needs clear basic guidelines on how to deal with money to those who are more financially savvy but want to supplement their knowledge. Covering a range of topics, from saving, investing, debt management, buying a house to blunders to avoid, Become Your Own Financial Advisor provides people of all ages and levels of wealth with practical information on how to improve their finances. And, in the process, proves that financial freedom is possible for everyone.

    Yet virtually none of us have been taught what it means to succeed at doing good, let alone how to do so. In short, we've never been encouraged to treat charity with the seriousness and rigor it deserves.How to be Great at Doing Good is a complacency-shattering guidebook for anyone who wants to actually change the world, whether as a donor, a volunteer, or a non-profit staffer. Drawing on eye-opening studies in psychology and human behavior, surprising interviews with philanthropy professionals, and the author's fifteen years of experience founding and managing top-rated non-profits, this book is an essential read for anyone who wants to do more good with their time and money.Find out how Bill Gates and a team of MIT grads are saving thousands of lives by applying business principles to charity work - and how we can too Peer inside our brains as we donate, and discover how the same chemical forces that make us crave junk food and sex can steer us toward bad charity decisions See why following our passion and doing what we're good at can actually doom our efforts to improve the world Learn how two seemingly identical charities can have jaw-dropping differences in impact, and find out how to pick the best one when donating Sure to generate controversy among non-profits and philanthropists who prefer business as usual, How to be Great at Doing Good reveals that a more calculated, effective approach to charity work isn't just possible - it's absolutely necessary for those who want to succeed at changing the world.

    In every instance where government gets involved in people's lives with a desire to do good, it can always be relied on to make the situation much, much worse. Yet despite overwhelming evidence to the contrary, we imagine that a world without the state would be a wild and terrifying place. With wit and devastating clarity of argument, Frisby shows in this book that human nature proves the opposite to be true. Welcome to Life After the State. "Dominic Frisby has gone and done something extraordinary: written a page-turner on the economy. It's both readable and radical, a serious book that is, by turn, fascinating, alarming and contentious. At times, the book makes you want to shout its message from the rooftops; at others, it just makes you want to shout. Life after the State challenges so much of what we take for granted. It is a wake-up call for politicians, economists and us all, written with clarity, verve and, more than that, the restless passion of an intelligent, inquisitive malcontent. Read it." - James Harding, once editor of The Times now Director of BBC News and Current AffairsReviewThought-provoking and original, anyone concerned how big and bloated government has become must read this book. Dominic Frisby asks the kind of questions that those in Westminster need to start asking. - Douglas Carswell, MP We can't go on as we are. All politicians know that. But if they read Life After The State they might also start to understand what they might do about it. A must read for any thinking man or woman. - Merryn Somerset Webb, FT columnist and editor Moneyweek Magazine Things are so bad that in our time only a comedian can make sense of an economy based on printing money. Dominic Frisby's Life After the State is an accessible contemporary anarcho-capitalist critique of the mess we're in with pointers for our escape. - Guido Fawkes, political blogger It's incredibly readable and incredibly thought-provoking. - Al Murray, The Pub Landlord An entertaining cogent attack on state power, which should topple the centralist Trots once and for all. - Tom Hodgkinson, The IdlerAbout the AuthorDominic Frisby is now mostly a writer but has been a comedian, actor, voice-over artist, TV presenter, boxing ring announcer, florist, removal man, camp theatrical agent's PA, sports commentator and busker. The Guardian called his stand-up comedy 'viciously funny and inventive'.

    He had a dream to work in a job that inspired him. He didn’t find that job, so he created it. In 2004, The Physio Co (TPC) was born with one team member: Tristan White. In the thirteen years since, TPC has become a remarkable healthcare success story based upon fast growth and a thriving, systemized company culture. Tristan’s obsession with creating an inspiring place to work for himself and others has resulted in more than a decade of learning, testing and refining. If you’ve ever wondered how to build and sustain a thriving company culture, the Culture Is Everything system developed by Tristan White and The Physio Co team is your answer. The Physio Co story and Culture Is Everything system explained in this book will give you the confidence and knowledge to create a strong culture in your very own business or team.

    The author offers a pioneering roadmap to responsible macroeconomics and corporate growth."-Clayton Christensen, Professor of Business Administration, Harvard Business School and author of The Innovator's Dilemma"I hope this book will be able to influence the thought processes of corporations and motivate them to adapt to forthcoming business realities for the sake of their own long-term existence. Besides business leaders, this is a thought-provoking book for the readers who are looking for solutions to capitalism's problems."-Muhammad Yunus, Founder and Managing Director, Grameen Bank, Bangladesh and 2007 Nobel Peace Prize recipient"Capitalism at the Crossroads is a practical manifesto for business in the twenty-first century. Professor Stuart L. Hart provides a succinct framework for managers to harmonize concerns for the planet with wealth creation and unambiguously demonstrates the connection between the two. This book represents a turning point in the debate about the emerging role and responsibility of business in society."-C.K. Prahalad, Ross School of Business, University of Michigan, co-author of Competing for the Future and author of The Fortune at the Bottom of the Pyramid "Stuart Hart was there at the beginning. Years ago when the term 'sustainability' had not yet reached the business schools, Stuart Hart stood as a beacon glowing in the umbrage. It is clear commerce is the engine of change, design the first signal of human intention, and global capitalism is at the crossroads. Stuart Hart is there again; this time lighting up the intersection."-William McDonough, University of Virginia, co-author of Cradle to Cradle"Professor Hart is on the leading edge of making sustainability an understandable and useful framework for building business value. This book brings together much of his insights developed over the past decade. Through case studies and practical advice, he argues powerfully that unlimited opportunities for profitable business growth will flow to those companies that bring innovative technology and solutions to bear on some of the world's most intractable social and environmental problems."-Chad Holliday, Chairman and CEO, DuPont"Capitalism at the Crossroads clearly reveals the essence of what sustainability means to today's business world. Hart's analysis that businesses must increasingly adopt a business framework based on building sustainable value speaks to the entire sustainability movement's relevance. Sustainability is more than today's competitive edge; it is tomorrow's model for success."-Don Pether, President and CEO, Dofasco Inc."Stuart Hart has written a book full of big insights painted with bold strokes. He may make you mad. He will certainly make you think."-Jonathan Lash, President, The World Resources Institute"A must-read for every CEO--and every MBA."-John Elkington, Chairman, SustainAbility"This book provides us with a vast array of innovative and practical ideas to accelerate the transformation to global sustainability and the role businesses and corporations will have to play therein. Stuart Hart manages to contribute in an essential way to the growing intellectual capital that addresses this topic. But, beyond that, the book will also prove to be a pioneer in the literature on corporate strategy by adding this new dimension to the current thinking."-Jan Oosterveld, Professor, IESE Business School, Barcelona, Spain Member, Group Management Committee (Ret.), Royal Philips Electronics"Capitalism at the Crossroads captures a disturbing and descriptive picture of the global condition. Dr. Hart constructs a compelling new corporate business model that simultaneously merges the metric of profitability along with societal value and environmental integrity. He challenges the corporate sector to take the lead and to invoke this change so that the benefits of capitalism can be shared with the entire human community worldwide."-Mac Bridger, CEO of Tandus Group"Stuart L. Hart makes a very important contribution to the understanding of how enterprise can help save the world's environment. Crucial reading."-Hernando de Soto, President of The Institute for Liberty and Democracy and author of The Mystery of Capital"Stuart Hart's insights into the business sense of sustainability come through compellingly in Capitalism at the Crossroads. Any businessperson interested in the long view will find resonance with his wise reasoning."-Ray Anderson, Founder and Chairman, Interface, Inc."This stimulating book documents the central role that business will play in humanity's efforts to develop a sustainable global economy. Professor Hart presents an attractive vision of opportunity for those corporations that develop the new technologies, new business models, and new mental frames that are essential to a sustainable future."-Jeffrey Lehman, Former President of Cornell University"The people of the world are in desperate need of new ideas if global industrial development is ever to result in something other than the rich getting richer and the poor getting poorer, with nature (and potentially all of us) suffering the collateral damage. Few have contributed more to meeting this need over the past decade than Stuart Hart by helping to illuminate the potential role for business and new thinking in business strategy in the journey ahead. Capitalism at the Crossroads challenges, provokes, and no doubt will stimulate many debates--which is exactly what is needed."-Peter Senge, Massachusetts Institute of Technology, Chairperson of the Society for Organizational Learning, and author of The Fifth Discipline: The Art and Practice of The Learning OrganizationNew Foreword by Al Gore Brand-New Second Edition, Completely Revised with: Up-to-the-minute trends and lessons learned New and updated case studies The latest corporate responses to climate change, energy, and terrorism Global capitalism stands at a crossroads-facing terrorism, environmental destruction, and anti-globalization backlash. Today's global companies are at a crossroads, too-searching desperately for new sources of profitable growth. Stuart L. Hart's Capitalism at the Crossroads, Second Edition is about solving both of those problems at the same time.It's about igniting new growth by creating sustainable products that solve urgent societal problems. It's about using new technology to deliver profitable solutions that reduce poverty and protect the environment. It's about becoming truly indigenous to all your markets, and avoiding the pitfalls of first-generation "greening" and "sustainability" strategies.Hart has thoroughly revised this seminal book with new case studies, trends, and lessons learned-including the latest experiences of leaders like GE and Wal-Mart. You'll find new insights from the pioneering BoP Protocol initiative, in which multinationals are incubating new businesses in income-poor communities. You'll also discover creative new ways in which corporations are responding to global warming and terrorism. More than ever, this book points the way toward a capitalism that's more inclusive, more welcome, and far more successful-for both companies and communities, worldwide.Paths to profitable sustainability: Lessons from GE and Wal-Mart Shattering the "trade-off" myth New commercial strategies for serving the "base of the pyramid" What enterprises have learned about doing business in income-poor regions Becoming indigenous-for real, for good Codiscovering new opportunities, cocreating new businesses with the poor Learning from leaders: 20+ new and updated case studies Best practices from DuPont, HP, Unilever, SC Johnson, Tata, P&G, Cemex, and more About the Author xiiAcknowledgments xiiiForeword: Al Gore, Former Vice President of the U.S. xxivForeword: Fisk Johnson, Chairman and CEO, S.C. Johnson & Son, Inc. xxviiPrologue: Capitalism at the Crossroads xxxiPART ONE: MAPPING THE TERRAIN Chapter 1: From Obligation to Opportunity 3Chapter 2: Worlds in Collision 31Chapter 3: The Sustainable Value Portfolio 59PART TWO: BEYOND GREENING Chapter 4: Creative Destruction and Sustainability 87Chapter 5: The Great Leap Downward 111Chapter 6: Reaching the Base of the Pyramid 139PART THREE: BECOMING INDIGENOUS Chapter 7: Broadening the Corporate Bandwidth 169Chapter 8: Developing Native Capability 193Chapter 9: Toward a Sustainable Global Enterprise 223Epilogue 249Index 254