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No One at the Wheel: Driverless Cars and the Road of the Future
by Karen Kelly Samuel I. SchwartzThe country's leading transport expert describes how the driverless vehicle revolution will transform highways, cities, workplaces and laws not just here, but across the globe. Our time at the wheel is done. Driving will become illegal, as human drivers will be demonstrably more dangerous than cars that pilot themselves. Is this an impossible future, or a revolution just around the corner?Sam Schwartz, America's most celebrated transportation guru, describes in this book the revolution in self-driving cars. The ramifications will be dramatic, and the transition will be far from seamless. It will overturn the job market for the one in seven Americans who work in the trucking industry. It will cause us to grapple with new ethical dilemmas-if a car will hit a person or a building, endangering the lives of its passengers, who will decide what it does? It will further erode our privacy, since the vehicle can relay our location at any moment. And, like every other computer-controlled device, it can be vulnerable to hacking.Right now, every major car maker here and abroad is working on bringing autonomous vehicles to consumers. The fleets are getting ready to roll and nothing will ever be the same, and this book shows us what the future has in store.
No One is Unemployable: Creative Solutions for Overcoming Barriers to Employment
by Debra L. Angel Elisabeth E. HarneyExplains a 10-step process to overcome either the employer's or employee's barriers such as criminal record, lack of education, immigration, etc.
No Ordinary Disruption
by Richard Dobbs James Manyika Jonathan WoetzelThe dramatic fall of Blackberry and the stunning rise of What’sApp; the almost overnight emergence of "Single’s Day” (Nov. 11), a contrived holiday in China, as the biggest online shopping day in the world, and the similarly from-out-of-nowhere rise of the U. S. as the world’s newest petro-power: Are there common threads running through these big, important, stories? Yes. Ours is an era of near constant discontinuity. Today and even more so in the years ahead, speed, surprise, and sudden shifts in direction in huge global markets will routinely shape the destinies of established companies and provide opportunities for new entrants. Business models can be up-ended in months. Competitors can rise in almost complete stealth and burst upon the scene. Businesses that were protected by large and deep moats now find their defenses are easily breached. New markets are conjured seemingly from nothing. Technology and globalization have put the natural forces of market competition on steroids. This isn’t just how the world now feels; it’s also what the data tell us. Chart the plot points on most long-term trends and they no longer look like smooth upward slopes; they look like sawtooth mountain ridges, or like hockey sticks, breaking up sharply and to the right, or like the silhouette of Mt. Fuji, rising steadily only to start falling off. We live, increasingly, in an age of trend breaks. In No Ordinary Disruption, the directors of the McKinsey Global Institute, the flagship think tank of the world’s leading consulting firm, McKinsey & Company, dive deeply behind current headlines to analyze the key forces transforming the global economy over the next two decades-and most importantly, to explain what business and government leaders need to do to reset their intuitions and take advantage of the disruptions ahead. Free of jargon and gimmicks, filled with anecdotes, data, and graphics, informed by deep experience, No Ordinary Disruption is aimed at a broad audience of middle and senior level managers, investors, and policy makers.
No Ordinary Disruption
by Richard Dobbs James Manyika Jonathan WoetzelThe dramatic fall of Blackberry and the stunning rise of What’sApp; the almost overnight emergence of "Single’s Day” (Nov. 11), a contrived holiday in China, as the biggest online shopping day in the world, and the similarly from-out-of-nowhere rise of the U. S. as the world’s newest petro-power: Are there common threads running through these big, important, stories? Yes. Ours is an era of near constant discontinuity. Today and even more so in the years ahead, speed, surprise, and sudden shifts in direction in huge global markets will routinely shape the destinies of established companies and provide opportunities for new entrants. Business models can be up-ended in months. Competitors can rise in almost complete stealth and burst upon the scene. Businesses that were protected by large and deep moats now find their defenses are easily breached. New markets are conjured seemingly from nothing. Technology and globalization have put the natural forces of market competition on steroids. This isn’t just how the world now feels; it’s also what the data tell us. Chart the plot points on most long-term trends and they no longer look like smooth upward slopes; they look like sawtooth mountain ridges, or like hockey sticks, breaking up sharply and to the right, or like the silhouette of Mt. Fuji, rising steadily only to start falling off. We live, increasingly, in an age of trend breaks. In No Ordinary Disruption, the directors of the McKinsey Global Institute, the flagship think tank of the world’s leading consulting firm, McKinsey & Company, dive deeply behind current headlines to analyze the key forces transforming the global economy over the next two decades--and most importantly, to explain what business and government leaders need to do to reset their intuitions and take advantage of the disruptions ahead. Free of jargon and gimmicks, filled with anecdotes, data, and graphics, informed by deep experience, No Ordinary Disruption is aimed at a broad audience of middle and senior level managers, investors, and policy makers.
No Ordinary Disruption: The Four Global Forces Breaking All the Trends
by Richard Dobbs James Manyika Jonathan WoetzelOur intuition on how the world works could well be wrong. We are surprised when new competitors burst on the scene, or businesses protected by large and deep moats find their defenses easily breached, or vast new markets are conjured from nothing. Trend lines resemble saw-tooth mountain ridges.The world not only feels different. The data tell us it is different. Based on years of research by the directors of the McKinsey Global Institute, No Ordinary Disruption: The Four Forces Breaking all the Trends is a timely and important analysis of how we need to reset our intuition as a result of four forces colliding and transforming the global economy: the rise of emerging markets, the accelerating impact of technology on the natural forces of market competition, an aging world population, and accelerating flows of trade, capital and people.Our intuitions formed during a uniquely benign period for the world economy-often termed the Great Moderation. Asset prices were rising, cost of capital was falling, labour and resources were abundant, and generation after generation was growing up more prosperous than their parents.But the Great Moderation has gone. The cost of capital may rise. The price of everything from grain to steel may become more volatile. The world's labor force could shrink. Individuals, particularly those with low job skills, are at risk of growing up poorer than their parents.What sets No Ordinary Disruption apart is depth of analysis combined with lively writing informed by surprising, memorable insights that enable us to quickly grasp the disruptive forces at work. For evidence of the shift to emerging markets, consider the startling fact that, by 2025, a single regional city in China-Tianjin-will have a GDP equal to that of the Sweden, of that, in the decades ahead, half of the world's economic growth will comefrom 440 cities including Kumasi in Ghana or Santa Carina in Brazil that most executives today would be hard-pressed to locate on a map.What we are now seeing is no ordinary disruption but the new facts of business life- facts that require executives and leaders at all levels to reset their operating assumptions and management intuition.
No Pain, No Gaines: The Good Stuff Doesn't Come Easy
by Chip GainesNo Pain, No Gaines is a by-the-bootstraps manual for building a network of people you can count on. Fair warning: building it will be painful, but what you&’ll gain is something strong, something reliable, and something that can change the world.Spoiler alert #1: This is a book about networksSpoiler alert #2: This is not a book about networking Not networking in the traditional sense anyway. It&’s not about how to leverage your interactions with everyone you meet in an all-out sprint to get ahead. It&’s about how to find a group of real people who will stand beside you as you bust your butt, who believe that authentic human connection is more important than any other earthly thing, and who bet on each other instead of the status quo. People with beating hearts and passions who live and love and try and fail and try again. People who lift you up and give your life meaning. Written for anyone who believes that relationships are more than transactions, and who is looking to build a network of people they can count on, No Pain, No Gaines will coach you on how tolook outside yourself and your circle and foster connections with othersvalue what you bring to the tableresist the status quofind the risks worth takingengage and be awake to life, not asleep at the wheelget comfortable with being uncomfortably kindbuild a network you trust and then trust the network you buildChip Gaines has been building that kind of network his whole life, and he can tell you, it doesn&’t come easy. The good stuff never does. It requires faith in people. It requires hope. And it requires a willingness to grow even when it hurts. In No Pain, No Gaines, through hard-won lessons and personal stories, Chip will coach you on how to build a network of your own that will make your life rich and your relationships run deep.
No Pierdas tu Fortuna: La Guía Inicial para Convertirte en Millonario
by Douglas R. AndrewWe've been hearing the same advice on managing your moeny for years - always prepay your mortgage. Always invest in a 401(k). Defer your taxes for as long as possible. What if someone told you that following that advice would be a waste of your money? In his groundbreaking book on personal finance, Douglas R. Andrew debunks these myths, along with several others, and gives essential knowledge on how to wisely manage your money and win back your "missed fortune." By following tips such as investing your home equity, discovering hidden tax breaks, and turning your life insurance policy into an investment, you can discover millions of dollars worth of hidden assets. Now, this best-selling book is being brought to the Spanish language audience. Translated by Mario Cisneros, a personal finance expert, the translated book will serve the large audience who have been clamoring for it since MISSED FORTUNE 101's intial English language publication.
No Plastic Sleeves: Portfolio And Self-promotion Guide For Photographers And Designers
by Larry Volk Danielle CurrierA polished and professional portfolio—including both print pieces and an online presence—is more important than ever for photographers and other creative professionals to make a great first impression and secure employment. This new edition of No Plastic Sleeves has been updated to address all facets of portfolio production, with a special focus on self-promotion and new information about blogs and social media’s role in the process. Including hundreds of photos, examples of successful design, and interviews with industry professionals, this text will guide you through the complete process of conceptualizing, designing, and developing all the interconnected aspects of your total portfolio package: Objectively evaluate and edit your work Develop a distinguishing brand concept Understand and apply effective design strategies Design a tailor-made portfolio book Develop a comprehensive online portfolio Develop printed professional and promotional materials Utilize social media and self-promotion strategies
No Plastic Sleeves: The Complete Portfolio and Self-Promotion Guide
by Larry Volk Danielle CurrierA polished and professional portfolio—including both print pieces and an online presence—is more important than ever for photographers, graphic designers, and other creative professionals to make a great first impression and secure employment. This new third edition of No Plastic Sleeves has been thoroughly updated across all facets of portfolio production, including increased coverage on self-promotion, social media, branding, online promotion, new and updated interviews, case studies, and more. Including hundreds of photos, examples of successful design from both students and professionals, and interviews with industry professionals, this text will guide you through the complete process of conceptualizing, designing, developing, branding, and promoting all the interconnected aspects of your total portfolio package, including teaching you how to: Objectively evaluate and edit your work Develop a distinguishing brand concept and identity Understand and apply effective design strategies, including layout and sequencing Design a tailor-made portfolio book Develop a comprehensive online portfolio Develop printed promotional and professional materials Utilize social media and self-promotion strategies Alongside the acclaimed companion website, www.noplasticsleeves.com— featuring additional portfolios, resources, tutorials, and articles—Larry Volk and Danielle Currier offer an essential guide to portfolio design, development, and promotion.
No Point B: Rules for Leading Change in the New Hyper-Connected, Radically Conscious Economy
by Caleb GardnerOur future depends on changing the way we change. But because technology has forever altered our relationship with what&’s coming next, the tomorrow we envisioned is too often totally different by the time it arrives—there is no linear path from where we are to where we are going. How can leaders manage disruption when disruption never stops coming? No Point B is a paradigm-shifting look at transforming change into something we do, not for some vague brighter future, but as a practice for making a better world right now. Drawing upon his vast experience in business leadership and social activism, author Caleb Gardner shows how the simple idea of embracing constant change as a core competency for living in a complex world could revolutionize our relationship with modernity and transform our approach to effective leadership. Through stories from his career advising everyone from Fortune 100 CEOs to politicians and political leaders, and advice from experts in sociology, psychology, and management, No Point B proposes nine principles for mobilizing the next generation of effective change leaders, including: focusing on effective communications to navigate our reality-distorting media, building adaptive capability and tackling cross-disciplinary problems, and never resting on our assumptions about how to best navigate the world. The only way we&’ll make significant progress on building a better world is by recognizing better is a process of constant adaptation, not an end point. No Point B is the ultimate playbook for a new generation of leaders striving to dig in and give their companies and communities a better future, today.
No Red Lights: Reflections on Life, 50 Years in Venture Capital, and Never Driving Alone
by Alan J. PatricofA look back at entrepreneurial growth and venture capital in the last half century by one of the leading figures in the industry.Extensive media and online coverage of the business arena, news of start-ups, mergers, and deals are familiar headlines these days. But that wasn&’t always the case. The early years of venture capital were a far cry from today&’s very public dealings. Alan Patricof, one of the pioneers of the venture arena, offers a behind-the-scenes look at the past fifty years of the industry. From buying stock in Apple when its market valuation was only $60 million to founding New York Magazine to investing in AOL, Audible, and more recently, Axios, his discerning approach to finding companies is almost peerless. All of Patricof&’s investments—from Xerox to Venmo—share certain qualities. Each company had sound product with wide appeal, the economics were solid, and the management team was talented and committed to seeing their visions come to fruition.
No Regrets on Sunday: The Seven-Day Plan to Change Your Life
by Peter HawkinsAre you stuck in a rut but not sure what you should change or what else you could do? You can change your life for the better and in just one week.No Regrets on Sunday is a 7-day plan to help you set about changing your life to find greater success and happiness. Every day for a week you are invited to work your way through a new chapter and carry out the practical exercises they contain. All you need to do is set aside about one hour a day to read the chapter and do the exercises. You will be challenged, inspired and motivated so that by the end of the seven days you should have a clear idea of what you want and how you can make it happen.This book will teach you:-how to identify your mindset and work out if you need to switch to a new one-how to make the most of the time you have-who you are and who you really want to be-what your talents and skills are and how can you maximise them-how to turn your hopes, dreams and aspirations into realityWritten by career and life management expert Peter Hawkins, the book is designed to get you the same results as one of his acclaimed 'No Regrets on Sunday' courses. It will be like having your very own life coach by your side.
No Return: Jews, Christian Usurers, and the Spread of Mass Expulsion in Medieval Europe (Histories of Economic Life #34)
by Professor Rowan DorinA groundbreaking new history of the shared legacy of expulsion among Jews and Christian moneylenders in late medieval EuropeWinner of the Wallace K. Ferguson Prize, Canadian Historical AssociationBeginning in the twelfth century, Jewish moneylenders increasingly found themselves in the crosshairs of European authorities, who denounced the evils of usury as they expelled Jews from their lands. Yet Jews were not alone in supplying coin and credit to needy borrowers. Across much of Western Europe, foreign Christians likewise engaged in professional moneylending, and they too faced repeated threats of expulsion from the communities in which they settled. No Return examines how mass expulsion became a pervasive feature of European law and politics—with tragic consequences that have reverberated down to the present.Drawing on unpublished archival evidence ranging from fiscal ledgers and legal opinions to sermons and student notebooks, Rowan Dorin traces how an association between usury and expulsion entrenched itself in Latin Christendom from the twelfth century onward. Showing how ideas and practices of expulsion were imitated and repurposed in different contexts, he offers a provocative reconsideration of the dynamics of persecution in late medieval society.Uncovering the protean and contagious nature of expulsion, No Return is a panoramic work of history that offers new perspectives on Jewish-Christian relations, the circulation of norms and ideas in the age before print, and the intersection of law, religion, and economic life in premodern Europe.
No Right to An Honest Living (Winner of the Pulitzer Prize): The Struggles of Boston's Black Workers in the Civil War Era
by Jacqueline JonesWINNER OF THE PULITZER PRIZE IN HISTORY A &“sensitive, immersive, and exhaustive&” portrait of Black workers and white hypocrisy in nineteenth-century Boston, from &“a gifted practitioner of labor history and urban history&” (Tiya Miles, National Book Award-winning author of All That She Carried) Impassioned antislavery rhetoric made antebellum Boston famous as the nation&’s hub of radical abolitionism. In fact, however, the city was far from a beacon of equality. In No Right to an Honest Living, historian Jacqueline Jones reveals how Boston was the United States writ small: a place where the soaring rhetoric of egalitarianism was easy, but justice in the workplace was elusive. Before, during, and after the Civil War, white abolitionists and Republicans refused to secure equal employment opportunity for Black Bostonians, condemning most of them to poverty. Still, Jones finds, some Black entrepreneurs ingeniously created their own jobs and forged their own career paths. Highlighting the everyday struggles of ordinary Black workers, this book shows how injustice in the workplace prevented Boston—and the United States—from securing true equality for all.
No Right to Be Idle: The Invention of Disability, 1840s–1930s
by Sarah F. RoseDuring the late nineteenth and early twentieth centuries, Americans with all sorts of disabilities came to be labeled as "unproductive citizens." Before that, disabled people had contributed as they were able in homes, on farms, and in the wage labor market, reflecting the fact that Americans had long viewed productivity as a spectrum that varied by age, gender, and ability. But as Sarah F. Rose explains in No Right to Be Idle, a perfect storm of public policies, shifting family structures, and economic changes effectively barred workers with disabilities from mainstream workplaces and simultaneously cast disabled people as morally questionable dependents in need of permanent rehabilitation to achieve "self-care" and "self-support." By tracing the experiences of policymakers, employers, reformers, and disabled people caught up in this epochal transition, Rose masterfully integrates disability history and labor history. She shows how people with disabilities lost access to paid work and the status of "worker--a shift that relegated them and their families to poverty and second-class economic and social citizenship. This has vast consequences for debates about disability, work, poverty, and welfare in the century to come.
No Rules Rules: Netflix and the Culture of Reinvention
by Erin Meyer Reed HastingsThere has never before been a company like Netflix. It has led nothing short of a revolution in the entertainment industries, generating billions of dollars in annual revenue while capturing the imaginations of hundreds of millions of people in over 190 countries. But to reach these great heights, Netflix, which launched in 1998 as an online DVD rental service, has had to reinvent itself over and over again. This type of unprecedented flexibility would have been impossible without the counterintuitive and radical management principles that cofounder Reed Hastings established from the very beginning. Hastings rejected the conventional wisdom under which other companies operate and defied tradition to instead build a culture focused on freedom and responsibility, one that has allowed Netflix to adapt and innovate as the needs of its members and the world have simultaneously transformed. <p><p> Hastings set new standards, valuing people over process, emphasizing innovation over efficiency, and giving employees context, not controls. At Netflix, there are no vacation or expense policies. At Netflix, adequate performance gets a generous severance, and hard work is irrelevant. At Netflix, you don’t try to please your boss, you give candid feedback instead. At Netflix, employees don’t need approval, and the company pays top of market. When Hastings and his team first devised these unorthodox principles, the implications were unknown and untested. But in just a short period, their methods led to unparalleled speed and boldness, as Netflix quickly became one of the most loved brands in the world. <p> Here for the first time, Hastings and Erin Meyer, bestselling author of The Culture Map and one of the world’s most influential business thinkers, dive deep into the controversial ideologies at the heart of the Netflix psyche, which have generated results that are the envy of the business world. Drawing on hundreds of interviews with current and past Netflix employees from around the globe and never-before-told stories of trial and error from Hastings’s own career, No Rules Rules is the fascinating and untold account of the philosophy behind one of the world’s most innovative, imaginative, and successful companies.
No Seat at the Table: How Corporate Governance and Law Keep Women Out of the Boardroom (Critical America #26)
by Douglas M. BransonWomen are completing MBA and Law degrees in record high numbers, but their struggle to attain director positions in corporate America continues. Although explanations for this disconnect abound, neither career counselors nor scholars have paid enough attention to the role that corporate governance plays in maintaining the gender gap in America's executive quarters.Mining corporate governance models applied at Fortune 500 companies, hundreds of Title VII discrimination cases, and proxy statements, Douglas M. Branson suggests that women have been ill-advised by experts, who tend to teach females how to act like their male, executive counterparts. Instead, women who aspire to the boardroom should focus on the decision-making processes nominating committees—usually dominated by white men—employ when voting on membership.Filled with real-life cases, No Seat at the Table opens the closed doors of the boardroom and reveals the dynamics of the corporate governance process and the double standards that often characterize it. Based on empirical evidence, Branson concludes that women have to follow different paths than men in order to gain CEO status, and as such, encourages women to make flexible, conscious, and often frequent shifts in their professional behaviors and work ethics as they climb the corporate ladder.
No Sense of Place: The Impact of Electronic Media on Social Behavior
by Joshua MeyrowitzHow have changes in media affected our everyday experience, behavior, and sense of identity? Such questions have generated endless arguments and speculations, but no thinker has addressed the issue with such force and originality as Joshua Meyrowitz in No Sense of Place. Advancing a daring and sophisticated theory, Meyrowitz shows how television and other electronic media have created new social situations that are no longer shaped by where we are or who is "with" us. While other media experts have limited the debate to message content, Meyrowitz focuses on the ways in which changes in media rearrange "who knows what about whom" and "who knows what compared to whom," making it impossible for us to behave with each other in traditional ways. No Sense of Place explains how the electronic landscape has encouraged the development of: -More adultlike children and more childlike adults; -More career-oriented women and more family-oriented men; and -Leaders who try to act more like the "person next door" and real neighbors who want to have a greater say in local, national, and international affairs. The dramatic changes fostered by electronic media, notes Meyrowitz, are neither entirely good nor entirely bad. In some ways, we are returning to older, pre-literate forms of social behavior, becoming "hunters and gatherers of an information age." In other ways, we are rushing forward into a new social world. New media have helped to liberate many people from restrictive, place-defined roles, but the resulting heightened expectations have also led to new social tensions and frustrations. Once taken-for-granted behaviors are now subject to constant debate and negotiation. The book richly explicates the quadruple pun in its title: Changes in media transform how we sense information and how we make sense of our physical and social places in the world.
No Sex at Work: It's about leadership not gender: Career tips and strategies to thrive
by Judith BeckAward-winning author Judith Beck is a gender diversity champion who has mentored scores of successful executives during her 20-year career as a leading recruiter.In No Sex at Work, Judith inspires you to see yourself as an individual, not a gender. Success at work is not about your sex, it's about you.Over her 20-year career as business owner and leading recruiter in the financial services industry, author Judith Beck has seen why some people are successful and others aren't. She has discovered what the top 10 per cent of the most successful managers do differently, and she shares these insights in this fascinating book. Judith Beck believes most issues we encounter at work are a result of specific behaviours – it's nothing to do with our sex. The fact that you are a man or a woman shouldn't be relevant in determining your success in the workplace. If you want to be among the top 10 per cent of high achievers in the workplace, you need to focus on how to get from A to B as a business professional. Don't be side-tracked by the imaginary barriers you believe are holding you back due to your sex. The skills needed for business success are the same for everyone.Keep sex out of work by focusing on:* The soft skills you need to handle certain situations in the work environment* The business skills you need to help progress in your career* How to highlight your capabilities as one of the 10 per cent of high achievers* How to stop categorising yourself as a gender, race, religion, and any other label society puts on us as an individual or a group.Judith's view is that people often put up their own barriers the minute they enter the workforce, instead of just focusing on what they need to do to be successful in their role. She believes you can improve your chances of success if you follow the basic principles outlined in this thought-provoking book.No Sex at Work is not a book exclusively for women (or for men), it is for anyone looking for practical advice to advance and fast-track their career.
No Shortcuts: Rare Insights from 15 Successful Startup Founders
by Nistha TripathiRanked 100th among 190 countries for ease of doing business, India is not the choicest place for start-ups. Only a handful of founders have been able to beat the odds. What’s in their journey that can be dissected and emulated? This curiosity led Nistha Tripathi to pursue these founders, who rose from humble beginnings yet made a dent in the Indian start-up universe, including a couple of founders from the Silicon Valley. This book is a record of her 18-month odyssey. In her incisive one-on-one interviews with 15 ambitious founders from India, including Girish Mathrubootham, Nithin Kamath, Jaydeep Barman, Gaurav Munjal and Tarun Mehta among others, Nistha uncovers the decisions and insights that led these start-up founders to find their unique roadmap to success. One thing underlined all the stories—the founders’ belief in ‘No Shortcuts’. Read the never-heard stories of Freshworks, Faasos, Unacademy, Zerodha, Slideshare, Pulse, Aspiring Minds, Madhouse/Morpheus, Akosha, Ather Energy, Instablogs, Greyb, LikeaLittle, Wingify and Fashiate.
No Size Fits All
by Tom HayesToday's markets have splintered into millions of powerful consumer communities- how can businesses adapt? It's no secret that traditional mass marketing- network television, newspapers, direct mail-is dying. Consumer markets are increasingly fragmented, even as they become more connected, transparent, and global. The future of business is about penetrating selfforming niches, from affinity groups on Facebook to thousands of satellite channels and millions of private online communities. So how can businesses reach new customers, win their trust, and earn their loyalty? Tom Hayes and Michael S. Malone urge an entirely new approach, embracing small, trust-based online groups as powerful vehicles for creating customers and gathering invaluable feedback. But what they call "marketing 3. 0" isn't as simple as setting up a YouTube channel. Drawing on many case studies, the authors offer a new set of tools for a world where attention is harder than ever to capture, but even more lucrative to hold. They explain how to use social media for a new kind of marketing-bottom-up instead of top-down, personal rather than public, subtle rather than full frontal. The payoff is a return to the power of oldfashioned handselling-turbocharged by bleedingedge technology.
No Slack
by Michael S. BarrThe financial crisis exposed the potentially unsavory results of the interaction between low- and moderate income households and alternative and mainstream financial institutions. Many households were overleveraged or paid high costs for financial services, while others lacked access to useful financial products that can cushion against economic instability. The financial services system is not well designed to serve low- and moderate-income households, leaving them without financial slack: they did not have adequate breathing room for making the financial adjustments that would permit them to better meet their own needs. No Slack shows us why these families were the least prepared to handle the shock of the deep recession.This pivotal analysis focuses on the Detroit metropolitan area's low- and moderate-income neighborhoods, which are similar to those of other Rust Belt communities. The Detroit Area Household Financial Services study--conducted at the height of the subprime lending boom--examines these households' decisionmaking processes, behaviors, and attitudes toward a full range of financial transactions. No Slack reveals widespread problems in home mortgage lending, the common threads among people who file for bankruptcy, the reasons so many households are unbanked, and how behaviorally informed financial regulation can make the market work better. Drawing on his deep policy experience, Michael Barr advocates helping families seek financial stability in three primary ways: enhancing individuals' financial capability, using technology to promote access to financial products and services that meet their needs, and establishing strong protections for consumers.
No Slack
by Michael S. BarrThe financial crisis exposed the potentially unsavory results of the interaction between low- and moderate income households and alternative and mainstream financial institutions. Many households were overleveraged or paid high costs for financial services, while others lacked access to useful financial products that can cushion against economic instability. The financial services system is not well designed to serve low- and moderate-income households, leaving them without financial slack: they did not have adequate breathing room for making the financial adjustments that would permit them to better meet their own needs. No Slack shows us why these families were the least prepared to handle the shock of the deep recession.This pivotal analysis focuses on the Detroit metropolitan area's low- and moderate-income neighborhoods, which are similar to those of other Rust Belt communities. The Detroit Area Household Financial Services study-conducted at the height of the subprime lending boom-examines these households' decisionmaking processes, behaviors, and attitudes toward a full range of financial transactions. No Slack reveals widespread problems in home mortgage lending, the common threads among people who file for bankruptcy, the reasons so many households are unbanked, and how behaviorally informed financial regulation can make the market work better. Drawing on his deep policy experience, Michael Barr advocates helping families seek financial stability in three primary ways: enhancing individuals' financial capability, using technology to promote access to financial products and services that meet their needs, and establishing strong protections for consumers.
No Small Change: Why Financial Services Needs A New Kind of Marketing
by Anthony Thomson Lucian CampA 13-point manifesto for a new financial services marketing model Anthony Thomson knows a thing or two about new and disruptive financial services, having co-founded and chaired first the ground-breaking Metro Bank and then the purely digital, app-based Atom Bank. And as a financial services marketing specialist for over 30 years, Lucian Camp has helped develop more new and innovative financial services propositions than anyone. Now they’ve put their heads together to write No Small Change, a passionate, opinionated and practical manifesto arguing that the fast-changing financial services world urgently needs to rethink the whole of its approach to marketing. Most of all, they propose that an increasingly digital, fintech-driven industry needs not just more marketing, but also better marketing to make sure it’s successfully identifying consumers’ real needs, and finding powerful and successful ways to engage with them. After detailing the forces of change that demand a new approach, the book then examines in 13 chapters what the key components of that new approach should look like. It takes a broad and multi-faceted perspective, exploring areas as diverse as the crisis of consumer trust, the ever-growing power of Big Data, the importance of leadership and corporate culture and the rapid advance in thinking based on Behavioural Economics. In developing these themes, the authors don’t pull their punches. The book is fiercely critical of some of the industry’s long-established marketing habits, providing compelling reasons why it’s time to abandon the practices that have given it a bad name. Marketers will applaud, but the book is also intended for a broader audience. Thomson and Camp challenge senior management in financial firms to appreciate the real value that marketers can bring to shaping the business agenda at the highest level, and not just to label marketing with that tired old phrase “the colouring-in department.” Rich in anecdotes, comments from leading industry figures, personal experiences on the part of both authors and findings from original research, No Small Change is an entertaining and rewarding read – and, at this point in the development of financial services, a timely and important one.
No Stomach for Second-Best: How Integrative Thinkers Move Beyond Trade-offs
by Roger L. MartinWhat sets integrative thinkers apart? This chapter explores integrative thinking by breaking this thinking process down into its constituent parts.