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

    

    "My dear boys," it began, "when you are twenty-one, you will receive what now seems to be a large sum of money. It may either be a blessing or a curse." "Above all," he cautioned, "be kind and generous to one another."In the ensuing decades, Fred's legacy became a blessing and a curse.Two of his sons, Charles and David, joined forces to build Koch Industries, one of the largest private corporations in the world. But they ended up in an epic feud with brothers Bill and Frederick that spanned nearly two decades, tearing the family apart--and nearly Koch Industries along with it. Bill would start his own energy company and attain a modicum of fame as a litigious wine collector and yachtsman. After being marginalized by the patriarch because of his effete manner, Frederick became a patron of the arts and a fastidious refurbisher of historic estates.Starting with their boyhood when fraternal disputes were sometimes settled in the boxing ring, Sons of Wichita takes you inside this highly private family and traces the evolution of these four distinct personalities, as well as their corporate, philosophical, social, and political ambitions. Influenced by the conservative, anticommunist sentiments of their father, a founding member of the John Birch Society, Charles and David devised an ambitious strategy to foist their ideological agenda upon the nation--quietly channeling millions of dollars of their fortune into a web of free market think tanks, academic programs, advocacy groups, and more, while also building what amounts to a shadow Republican Party, replete with a donor network capable of raising as much in an election cycle as the Republican National Committee. Never before did they flex their political muscles as vigorously as they did during the 2012 campaign, when Charles and David clashed with the Obama administration in what Charles described as the "mother of all wars."Like the Rockefellers before them, the Koch brothers are a great American dynasty. Unlike the Rockefellers, they have never before been the subject of a major biography.

    Originally four books (published individually between 1946 and 1951), the structure of Paterson (in Dr. Williams' words) "follows the course of the Passaic River" from above the great falls to its entrance into the sea. The unexpected Book Five, published in 1958, affirms the triumphant life of the imagination, in spite of age and death. This revised edition has been meticulously re-edited by Christopher MacGowan, who has supplied a wealth of notes and explanatory material.

    Having spent 20 years building her own company (described by the press as 'an overnight success'), she acknowledges how hard it is to keep going and find your motivation, especially in the face of self-doubt, rejection and unexpected setbacks.This punchy, easy to digest book spells out how to motivate yourself and harness your drive and energy to make things happen. With clear guidance, tips and celebrity stories throughout, Maria sums up her business secrets with three golden rules: set your goals; plot your trajectory; make it happen! This book will help anyone looking to grow their business and enable readers everywhere to find their own 'Make It Happen' mindset. Everyone can learn from this book, no matter where you are in your career.

    Meanwhile, many families of freshmen attending selective private colleges will spend triple—over $300,000. With the same passion, smarts, and humor that infuse his personal finance column, Ron Lieber offers a much-needed roadmap to help families navigate this difficult and often confusing journey. Lieber begins by explaining who pays what and why and how the financial aid system got so complicated. He also pulls the curtain back on merit aid, an entirely new form of discounting that most colleges now use to compete with peers.While price is essential, value is paramount. So what is worth paying extra for, and how do you know when it exists in abundance at any particular school? Is a small college better than a big one? Who actually does the teaching? Given that every college claims to have reinvented its career center, who should we actually believe? He asks the tough questions of college presidents and financial aid gatekeepers that parents don’t know (or are afraid) to ask and summarizes the research about what matters and what doesn’t.Finally, Lieber calmly walks families through the process of setting financial goals, explaining the system to their children and figuring out the right ways to save, borrow, and bargain for a better deal. The Price You Pay for College gives parents the clarity they need to make informed choices and helps restore the joy and wonder the college experience is supposed to represent.

    In this revised edition, which reflects our present-day economic world, Barbara Stanny inspires readers to take charge of their money and their lives. Filled with real-life success stories and practical advice?from tips on identifying the factors that keep women fearful and dependent to checklists and steps for overcoming them?this book is the next best thing to having one?s own financial coach.

    Edgar Hoover, Howard Hughes, Jimmy Hoffa, Cuban political exiles, and various loose cannons conspire in a covert anarchy...Where the right drugs, the right amount of cash, the right murder, buys a moment of a man's loyalty...Where three renegade law-enforcement officers—a former L.A. cop and two FBI agents—are shaping events with the virulence of their greed and hatred, riding full-blast shotgun into history....James Ellroy's trademark nothing-spared rendering of reality, blistering language, and relentless narrative pace are here in electrifying abundance, put to work in a novel as shocking and daring as anything he's written: a secret history that zeroes in on a time still shrouded in secrets and blows it wide open.Chosen by Time magazine as one of the ten best books of the year."Hard-bitten ... ingenious ... Ellroy segues into political intrigue without missing a beat." —The New York Times"Vastly entertaining." —Los Angeles Times"One hellishly exciting ride." —Detroit Free Press"A supremely controlled work of art." —The New York Times Book Review

    They called it foreclosure fraud: millions of families were kicked out of their homes based on false evidence by mortgage companies that had no legal right to foreclose.Lisa Epstein, Michael Redman, and Lynn Szymoniak did not work in government or law enforcement. They had no history of anticorporate activism. Instead they were all foreclosure victims, and while struggling with their shame and isolation they committed a revolutionary act: closely reading their mortgage documents, discovering the deceit behind them, and building a movement to expose it.Fiscal Times columnist David Dayen recounts how these ordinary Floridians challenged the most powerful institutions in America armed only with the truth—and for a brief moment they brought the corrupt financial industry to its knees.

    Legendary geologist J Harlen Bretz was the first to explore the area, starting in the 1920s. This dramatic book tells the story of this scientific maverick — how he came to study the region, his radical theory that a flood of biblical proportions created it, and how a campaign by the mainstream geologic community tried to derail him for pursuing an idea that satellite photos would confirm decades later.

    It compares the thoughts, habits and philosophies of the middle class to the world class when it comes to wealth. The differences are as extreme as they are numerous. The strategy is simple: learn how rich people think, copy them, take action and get rich. This book hits hard and never lets up. It's based on a quarter century of interviews with millionaires. It's written in unfiltered, politically incorrect language that makes the point crystal clear and easy to follow. The hundreds of millionaires interviewed for this book had nothing to gain by sharing their secrets, nor any interest in sugar-coating their advice. These people gave me unprecedented access to their lifestyle and playgrounds; from Palm Beach to Aspen. I was searching for the raw, uncensored truth about how rich people think, and they agreed to share it with me on the promise that their names never be published and their remarks never made public. I've mixed their wisdom with my words, and the result is a book so brutally honest it will shock some and inspire others. If you've ever dreamed of living a life most people only see in movies, study this book like a scientist. Freedom from financial worries and a millionaire's lifestyle is closer than you think.

    On March 14, 2012, more than three million people read Greg Smith's bombshell Op-Ed in the New York Times titled "Why I Am Leaving Goldman Sachs." The column immediately went viral, became a worldwide trending topic on Twitter, and drew passionate responses from former Fed chairman Paul Volcker, legendary General Electric CEO Jack Welch, and New York City mayor Mike Bloomberg. Mostly, though, it hit a nerve among the general public who question the role of Wall Street in society -- and the callous "take-the-money-and-run" mentality that brought the world economy to its knees a few short years ago. Smith now picks up where his Op-Ed left off. His story begins in the summer of 2000, when an idealistic 21-year-old arrives as an intern at Goldman Sachs and learns about the firm's Business Principle #1: Our clients' interests always come first. This remains Smith's mantra as he rises from intern to analyst to sales trader, with clients controlling assets of more than a trillion dollars. From the shenanigans of his summer internship during the technology bubble to Las Vegas hot tubs and the excesses of the real estate boom; from the career lifeline he received from an NFL Hall of Famer during the bear market to the day Warren Buffett came to save Goldman Sachs from extinction-Smith will take the reader on his personal journey through the firm, and bring us inside the world's most powerful bank. Smith describes in page-turning detail how the most storied investment bank on Wall Street went from taking iconic companies like Ford, Sears, and Microsoft public to becoming a "vampire squid" that referred to its clients as "muppets" and paid the government a record half-billion dollars to settle SEC charges. He shows the evolution of Wall Street into an industry riddled with conflicts of interest and a profit-at-all-costs mentality: a perfectly rigged game at the expense of the economy and the society at large. After conversations with nine Goldman Sachs partners over a twelve-month period proved fruitless, Smith came to believe that the only way the system would ever change was for an insider to finally speak out publicly. He walked away from his career and took matters into his own hands. This is his story.

    . . It's what Marcus calls 'the old, weird America.'" This odd terrain, this strange yet familiar backdrop to our common cultural history--which Luc Sante (in New York magazine) termed the "playground of God, Satan, tricksters, Puritans, confidence men, illuminati, braggarts, preachers, anonymous poets of all stripes"--is the territory that Marcus has discovered in Dylan's most mysterious music. And his analysis of that territory "reads like a thriller" (Ken Tucker, Entertainment Weekly) and exhibits "a mad, sparkling brilliance" (David Remnick, The New Yorker) throughout. This new edition of The Old, Weird America includes an updated discography.

    Drawing on new interviews with virtually all of Bukowski's friends, family, and many lovers; unprecedented access to his private letters and unpublished writing; and commentary from Norman Mailer, Allen Ginsberg, Sean Penn, Mickey Rourke, Lawrence Ferlinghetti, R. Crumb, and Harry Dean Stanton, Howard Sounes has uncovered the extraordinary true story of the Dirty Old Man of American literature. Illustrated with drawings by Bukowski and over sixty photographs, Charles Bukowski is a must for Bukowski devotees and new readers alike. As the Los Angeles Times noted, "Bukowski is one of those writers people remember more for the legend than for the work....but, as Howard Sounes shows in this exhaustively researched biography, it wasn't the whole story."

    Eminent Canadian law professor and legal theorist Joel Bakan contends that today's corporation is a pathological institution, a dangerous possessor of the great power it wields over people and societies.In this revolutionary assessment of the history, character, and globalization of the modern business corporation, Bakan backs his premise with the following observations:-The corporation’s legally defined mandate is to pursue relentlessly and without exception its own economic self-interest, regardless of the harmful consequences it might cause to others. -The corporation’s unbridled self-interest victimizes individuals, society, and, when it goes awry, even shareholders and can cause corporations to self-destruct, as recent Wall Street scandals reveal. -Governments have freed the corporation, despite its flawed character, from legal constraints through deregulation and granted it ever greater authority over society through privatization.But Bakan believes change is possible and he outlines a far-reaching program of achievable reforms through legal regulation and democratic control.Featuring in-depth interviews with such wide-ranging figures as Nobel Prize winner Milton Friedman, business guru Peter Drucker, and cultural critic Noam Chomsky, The Corporation is an extraordinary work that will educate and enlighten students, CEOs, whistle-blowers, power brokers, pawns, pundits, and politicians alike.