Download or read book Buy Now Pay Later written by Jonathan Shapiro and published by Allen & Unwin. This book was released on 2021-08-03 with total page 467 pages. Available in PDF, EPUB and Kindle. Book excerpt: The fascinating behind the scenes story of the brash Aussie technology start up that changed the way a whole generation around the world does their shopping. Millennials love it. Amateur investors made millions out of it, and its founders became billionaires. But professional investors steered clear, regarding it as over-valued. In a few short years, the Australian startup Afterpay has put a rocket under consumer finance and birthed a global industry. It pioneered the four-payments model that allows customers to bypass credit cards for online shopping and budgeting, with the cost borne by the retailer. Just five years after it was founded, Afterpay had changed the way a generation went shopping, how brands from big banks to fashion labels win customers, and how institutions value companies. Buy Now, Pay Later recounts the dramatic behind-the-scenes story of the founding and rise of Afterpay. It reveals the network of business and personal relationships that enabled the company to finance its speedy growth and the manoeuvring that enabled it to escape regulation for years, as well as the near-death experiences and rising concern that it is getting young people hooked on debt. Drawing on years of on-the-ground reporting and interviews with key figures involved in their rollercoaster ride, this is the Afterpay story told in full for the first time. Jonathan Shapiro and James Eyers report on banking and finance at The Australian Financial Review. 'A gripping success story with a colourful Sydney cast, a story of innovation, courage, lucky breaks and above all family.' - Malcolm Turnbull, former Prime Minister of Australia 'Shapiro and Eyers tell the entertaining and illuminating story of how Afterpay emerged as a global, online-retailing power in a few short years.' - Gregory Zuckerman, The Wall Street Journal 'Well written and well worth reading.' - David Gonski AC, company director 'A fascinating read of the journey behind one of the biggest Australian entrepreneurial successes of our time!' - Jane Lu, CEO and founder, Showpo

Download or read book Buy Now Pay Later written by Martha L. Olney and published by . This book was released on 1991 with total page 452 pages. Available in PDF, EPUB and Kindle. Book excerpt: Olney contends that a century ago, most Americans owned few durable goods, most of which were deemed necessities and few of which were advertised or purchased on an installment plan. Today, Americans own many durable goods, most considered luxury items, widely advertised and purchased on credit. She concludes that a revolution in consumer durable goods occurred in the 1920s and considers what roles advertising and credit played. Annotation copyrighted by Book News, Inc., Portland, OR

Download or read book Kill Now Pay Later written by Robert Terrall and published by Titan Books (US, CA). This book was released on 2011-03-29 with total page 196 pages. Available in PDF, EPUB and Kindle. Book excerpt: When Ben Gates took the job guarding the presents at a ritzy upper-class wedding, he thought it would be a simple assignment: stand around, look tough, and make sure none of the bridesmaids walk off with the jewelry. But that was before someone slipped sleeping pills into Ben’s coffee and a bizarre robbery attempt left two people dead. Now Ben’s reputation is on the line – and if he doesn’t figure out which of three beautiful women is hiding a murderous secret, his life may be as well…

Download or read book Money Like You Mean It written by Erica Alini and published by Dundurn. This book was released on 2021-12-09 with total page 331 pages. Available in PDF, EPUB and Kindle. Book excerpt: “The first personal finance book for the 2020s: expensive housing, BNPL, side hustles, negotiating a raise, and much more. Erica Alini is one of Canada’s top personal finance pros, and this book shows it.” —ROB CARRICK Wrestle debt to the ground. Figure out whether you should rent or buy. And determine if a side hustle is really worth the hassle. Get a job, buy a house, spend less than you make, and retire at sixty-five. That’s advice for a world that has largely disappeared. Even good jobs today often have no guarantee of stability. Home prices have reached the stratosphere. Meanwhile, student debt drags you down just as you're trying to take off in life. To survive and thrive in today’s reality, you need a whole new personal finance tool kit. Personal finance reporter Erica Alini blends the big picture with practical advice to give you a deeper understanding of the economic forces that are shaping your financial struggles and how to overcome them. Packed with concrete tips, Money Like You Mean It covers all the bases: from debt to investing and retirement, plus renting versus buying, and even how to tell whether a side gig is really worth the effort. It’s the essential road map you need to make it in the current economy.

Download or read book Pay Now or Pay Later written by National Research Council and published by National Academies Press. This book was released on 1991-02-01 with total page 73 pages. Available in PDF, EPUB and Kindle. Book excerpt: Buildings and other public facilities can have very long and productive service lives, providing efficient shelter and serving a wide range of activities. To do so, however, these facilities must be managed effectively, in a manner consistent with key design decisions. A variety of political and technical obstacles to effective management raise the public's total cost of ownership for these facilities, particularly when actions to deal with short-term government budget deficits have long-term, high-cost consequences. This book identifies obstacles to controlling the costs of ownership and suggests ways these obstacles can be overcome.

Download or read book Simplifying Retail written by Ritesh Mohan and published by Blue Rose Publishers. This book was released on 2020-10-19 with total page 90 pages. Available in PDF, EPUB and Kindle. Book excerpt: Retail apocalypse or Retail renaissance Let’s first of all understand that retail is not dying but bad retail is certainly dying. Brands which refuse to adapt themselves to changing consumer’s buying behavior would vanish. The book cover real life case studies and examples to explain the retail concepts for the young retail managers and retail start-up owners, retailpreneurs & senior leaderships in an easy to understand style. The book is a must read for management undergraduates, retail front liners and mid managers who strive for self-learning and self-growth and development. The aim of the book is to de-mystify the complexities of existing retail and simplify it as it was earlier meant to be in the first place. Hence the title SIMPLIFYING RETAIL. Wishing all the readers a success in their retail journey

Download or read book Happy Money written by Elizabeth Dunn and published by Simon and Schuster. This book was released on 2013-05-14 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: If you think money can’t buy happiness, you’re not spending it right. Two rising stars in behavioral science explain how money can buy happiness—if you follow five core principles of smarter spending. If you think money can’t buy happiness, you’re not spending it right. Two rising stars in behavioral science explain how money can buy happiness—if you follow five core principles of smarter spending. Happy Money offers a tour of new research on the science of spending. Most people recognize that they need professional advice on how to earn, save, and invest their money. When it comes to spending that money, most people just follow their intuitions. But scientific research shows that those intuitions are often wrong. Happy Money explains why you can get more happiness for your money by following five principles, from choosing experiences over stuff to spending money on others. And the five principles can be used not only by individuals but by companies seeking to create happier employees and provide “happier products” to their customers. Elizabeth Dunn and Michael Norton show how companies from Google to Pepsi to Crate & Barrel have put these ideas into action. Along the way, the authors describe new research that reveals that luxury cars often provide no more pleasure than economy models, that commercials can actually enhance the enjoyment of watching television, and that residents of many cities frequently miss out on inexpensive pleasures in their hometowns. By the end of this book, readers will ask themselves one simple question whenever they reach for their wallets: Am I getting the biggest happiness bang for my buck?

Download or read book CU 2 0 written by Kirk Drake and published by . This book was released on 2017-06-14 with total page 252 pages. Available in PDF, EPUB and Kindle. Book excerpt: In recent decades, credit unions have seen unprecedented threats, due in large part to an eighty-year-old business model and an inability to adapt quickly to a digital economy. But Kirk Drake has devised a powerful plan to revitalize these noble institutions, making them more competitive, more creative, more connected with their membership, and more in tune with the times. A serial entrepreneur focused on credit-union technology, Drake has written a must-read manual for every CU board member, CEO, and management team in America. The first and only book of its kind, CU 2.0 offers essential strategies for leveraging the latest technologies to facilitate organizational growth and foster more even competition with the banking industry. With the tools provided here, the CU of tomorrow will be better equipped to empower its employees, while giving its members the superior financial service they want and need. It's time to be innovative and bold, to challenge long-standing inefficiencies and move away from the "old school" methods of doing business. CU 2.0 provides the skills, the savvy, and the fresh ideas necessary to finally transport the credit union out of the twentieth century and into the twenty-first.

Download or read book Aging Avionics in Military Aircraft written by National Research Council and published by National Academies Press. This book was released on 2001-05-07 with total page 77 pages. Available in PDF, EPUB and Kindle. Book excerpt: Extending the life of an airframe has proven challenging and costly. Extending the life of an avionics system, however, is one of the most critical and difficult aspects of extending total aircraft system lifetimes. Critical components go out of production or become obsolete, and many former suppliers of military-grade components have gone out of business. From 1986 to 1996, for example, the percentage of discontinued military/aerospace electronic devices nearly doubledâ€"from 7.5 percent to 13.5 percent. In addition, legacy avionics systems, which were designed to meet requirements of the past, generally lack the full capability to perform new missions, meet new threats, or perform well in the new information-intensive battlefield environments. As the legacy aircraft fleet ages, avionics systems will become more and more difficult to support and maintain. Whereas the military once provided a large and profitable market for the electronics industry, the military electronics market today constitutes less than 1 percent of the commercial market. As a result, the military must increasingly rely on commercial off-the-shelf (COTS) technologies for its avionics hardware and software. Although COTS items are generally less expensive than comparable items designed especially to meet military specifications, the technology-refresh cycle for COTS is typically 18 months or less, which exacerbates the obsolescence problem for aircraft whose lifetimes are measured in decades. The short refresh cycle is driven mostly by the tremendous advances in computer systems, which comprise an increasing percentage of avionics content. In response to a request by the Assistant Secretary of the Air Force for Acquisition, the National Research Council convened the Committee on Aging Avionics in Military Aircraft, under the auspices of the Air Force Science and Technology Board, to conduct this study. This report summarizes the following: Gather information from DoD, other government agencies, and industrial sources on the status of, and issues surrounding, the aging avionics problem. This should include briefings from and discussions with senior industry executives and military acquisition and support personnel. A part of this activity should include a review of Air Force Materiel Command's study on diminishing manufacturing sources to recommend ways to mitigate avionics obsolescence. Provide recommendations for new approaches and innovative techniques to improve management of aging avionics, with the goal of helping the Air Force to enhance supportability and replacement of aging and obsolescing avionics and minimize associated life cycle costs. Comment on the division of technology responsibility between DoD and industry.

Download or read book The Total Money Makeover Classic Edition written by Dave Ramsey and published by Thomas Nelson. This book was released on 2013-09-17 with total page 266 pages. Available in PDF, EPUB and Kindle. Book excerpt: Do you want to build a budget that actually works for you? Are you ready to transform your relationship with money? This New York Times bestseller has already helped millions of people just like you learn how to develop everyday money-saving habits with the help of America's favorite personal finance expert, Dave Ramsey. By now, you've already heard all of the nutty get-rich-quick schemes and the fiscal diet fads that leave you with a lot of quirky ideas but not a penny in your pocket. If you're tired of the lies and sick of the false promises, Dave is here to provide practical, long-term help. The Total Money Makeover is the simplest, most straightforward game plan for completely changing your finances. And, best of all, these principles are based on results, not pie-in-the-sky fantasies. This is the financial reset you've been looking for. The Total Money Makeover: Classic Edition will give you the tools and the encouragement you need to: Design a sure-fire plan for paying off all debt--from your cars to your home and everything in between using the debt snowball method Break bad habits and make lasting changes when it comes to your relationship with money Recognize the 10 most dangerous money myths Secure a healthy nest egg for emergencies and set yourself up for retirement Become financially healthy for life Live like no one else, so later you can LIVE (and GIVE) like no one else! This edition of The Total Money Makeover includes new, expanded "Dave Rants" that tackle marriage conflict, college debt, and so much more. The Total Money Makeover: Classic Edition also includes brand new back-of-the-book resources to help you make The Total Money Makeover your new reality.

Download or read book Trio for Blunt Instruments written by Rex Stout and published by Crimeline. This book was released on 1997-01-01 with total page 209 pages. Available in PDF, EPUB and Kindle. Book excerpt: If Nero Wolfe and his sidekick, Archie, would ever admit to an Achilles' heel-which they wouldn't-it would be a weakness for damsels in distress. In these three charming chillers the duo answer the call of helpless heroines with nothing to lose-except their lives. First a beautiful young Aphrodite comes to Nero looking for a hero-and the answer to the mystery of her father's death....Then an old flame of Archie's reignites with a plan that may corner him into a lifetime commitment-behind bars....And finally a detective's work is never done, as a hot tip leads the team into the sizzling center of a sexy scandal that could leave them cold-dead cold.

Download or read book Dear Debt written by Melanie Lockert and published by Coventry House Publishing. This book was released on 2016-08-12 with total page 126 pages. Available in PDF, EPUB and Kindle. Book excerpt: In her debut book Dear Debt, personal finance expert Melanie Lockert combines her endearing and humorous personal narrative with practical tools to help readers overcome the crippling effects of debt. Drawing from her personal experience of paying off eighty thousand dollars of student loan debt, Melanie provides a wealth of money-saving tips to help her community of debt fighters navigate the repayment process, increase current income, and ultimately become debt-free. By breaking down complex financial concepts into clear, manageable tools and step-by-step processes, Melanie has provided a venerable guide to overcoming debt fatigue and obtaining financial freedom. Inside Dear Debt you will learn to: • Find the debt repayment strategy most effective for your needs • Avoid spending temptations by knowing your triggers • Replace expensive habits with cheaper alternatives • Become a frugal friend without being rude • Start a side hustle to boost your current income • Negotiate your salary to maximize value • Develop a financial plan for life after debt

Download or read book Alternative Technologies to Replace Antipersonnel Landmines written by National Research Council and published by National Academies Press. This book was released on 2001-04-21 with total page 141 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book examines potential technologies for replacing antipersonnel landmines by 2006, the U.S. target date for signing an international treaty banning these weapons. Alternative Technologies to Replace Antipersonnel Landmines emphasizes the role that technology can play to allow certain weapons to be used more selectively, reducing the danger to uninvolved civilians while improving the effectiveness of the U.S. military. Landmines are an important weapon in the U.S. military's arsenal but the persistent variety can cause unintended casualties, to both civilians and friendly forces. New technologies could replace some, but not all, of the U.S. military's antipersonnel landmines by 2006. In the period following 2006, emerging technologies might eliminate the landmine totally, while retaining the necessary functionalities that today's mines provide to the military.

Download or read book Tia Isa Wants a Car written by Meg Medina and published by Candlewick Press. This book was released on 2020-06-05 with total page 35 pages. Available in PDF, EPUB and Kindle. Book excerpt: A little girl pitches in to help her tía save up for a big old car — and take the whole family to the beach — in a story told with warmth and sweetness. Tía Isa wants a car. A shiny green car the same color as the ocean, with wings like a swooping bird. A car to take the whole family to the beach. But saving is hard when everything goes into two piles — one for here and one for Helping Money, so that family members who live far away might join them someday. While Tía Isa saves, her niece does odd jobs for neighbors so she can add her earnings to the stack. But even with her help, will they ever have enough? Meg Medina’s simple, genuine story about keeping in mind those who are far away is written in lovely, lyrical prose and brought to life through Claudio Muñoz’s charming characters.

Download or read book Unconventional Success written by David F. Swensen and published by Simon and Schuster. This book was released on 2005-08-09 with total page 417 pages. Available in PDF, EPUB and Kindle. Book excerpt: The author of Pioneering Portfolio Management shows individuals how to avoid the for-profit mutual fund industry and get better returns on their money. In Unconventional Success, investment legend and bestselling author David F. Swensen offers incontrovertible evidence that the for-profit mutual fund industry consistently fails the average investor. From excessive management fees to the frequent “churning” of portfolios, the relentless pursuit of profits by mutual fund management companies harms individual clients. Perhaps most destructive of all are the hidden schemes that limit investor choice and reduce returns, including pay-to-play product-placement fees, stale-price trading scams, soft-dollar kickbacks, and 12b-1 distribution charges. Even if investors manage to emerge unscathed from an encounter with the profit-seeking mutual fund industry, individuals face the likelihood of self-inflicted pain. The common practice of selling losers and buying winners (and doing both too often) damages portfolio returns and increases tax liabilities, delivering a one-two punch to investor aspirations. In short: Nearly insurmountable hurdles confront ordinary investors. Swensen’s solution: A contrarian investment alternative that promotes well-diversified, equity-oriented, market-mimicking portfolios that reward investors who exhibit the courage to stay the course. Swensen suggests implementing his nonconformist proposal with investor-friendly, not-for-profit investment companies such as Vanguard and TIAA-CREF. By avoiding actively managed funds and employing client-oriented mutual fund managers, investors create the preconditions for investment success. Bottom line? Unconventional Success provides the guidance and financial know-how for improving the personal investor’s financial future. “Reveals why the mutual fund industry as a whole does a disservice to the individual investor.” —Booklist “What he has to say is worth listening to.” —The New York Times

Download or read book Buy Low Sell High Collect Early and Pay Late written by Richard I. Levin and published by Business & Professional Division. This book was released on 1983 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Buy Now Pay Later written by Thompson Yardley and published by . This book was released on 1992 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Explains how being a smart shopper and wise consumer can help protect the environment and promote good health, covering such topics as supermarket shopping, food production and processing, and recycling.