Sabtu, 31 Juli 2010

[J519.Ebook] PDF Ebook Blood & Circuses (Administration Series Book 8), by Manna Francis

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Blood & Circuses (Administration Series Book 8), by Manna Francis

Both Resourceful and Decorative.

It's set to be a busy autumn in New London and beyond. With the ripples of the revolt still running through the European Administration, Val Toreth is slowly settling into the new flat he shares with Keir Warrick. But on orders from the very highest levels of the Administration, Toreth finds himself leaving his regular beat far behind and heading over the Atlantic to Washington D.C. Without his usual team or his authority as a Para-investigator to back him up, Toreth is caught up in a world of politics, diplomacy, and religion far outside his experience. Worst of all, he's stuck with an unexpected and very unwanted companion on his trip. Can he keep his cool and win through when international reputations are on the line?

Back in New London, Investigator Barret-Connor is called on to deal with a case that lies outside the traditional areas of interest of the Investigation and Interrogation Division--the unexpectedly dangerous world of Europe's music corporations. With dark secrets hidden behind the PR-groomed public fa�ade, both his professional skills and conscience will be tested.

The eighth book in the Administration series contains the novellas Innocent Blood and For Your Entertainment, and continues the lives of now partially domesticated Para-investigator Val Toreth and somewhat harried corporate director Keir Warrick.

  • Sales Rank: #538310 in eBooks
  • Published on: 2016-01-15
  • Released on: 2016-01-15
  • Format: Kindle eBook

Most helpful customer reviews

3 of 3 people found the following review helpful.
love the series
By Amazon Customer
love the series. this book is no exception, though it's less about the main characters and more about their world in general.

1 of 1 people found the following review helpful.
it's a very nice treat.
By Amazon Customer
These two novellas don't stand alone, so if you haven't read the rest of the Administration, you won't appreciate them. For those of us who have been waiting for more from Manna Francis, it's a very nice treat.

0 of 0 people found the following review helpful.
Highly recommend
By Modern Xena
This is a review for the entire series thus far (8 books), since I somehow devoured them all in less than a week.

Without giving too much away, Francis takes the classic "violently possessive alpha male" cliche and turns it on its head: for one thing, it's a male/male couple. For another, it's all very well thought out--and unexcused, both by the narrative and the other characters. The character development is a slow, slow burn, just like the relationship. It kept me reading long into the night and on breaks at my desk and crammed into an elevator with a dozen other working professionals. They're just that good.

I will say that the first seven books are my favorites. I enjoyed this one, but it lacked the tension of the others. There's an excellent reason for it, however.

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Kamis, 29 Juli 2010

[A638.Ebook] Download PDF Shoes of the Dead, by Kota Neelima

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Shoes of the Dead, by Kota Neelima

chilling parable about modern-day India. Crushed by successive crop failures and the burden of debt, Sudhakar Bhadra kills himself. The powerful district committee of Mityala routinely dismisses the suicide and refuses compensation to his widow. Gangiri, his brother, makes it his lifes mission to bring justice to the dead by influencing the committee to validate similar farmer suicides. Keyur Kashinath of the Democratic Party first-time member of Parliament from Mityala, and son of Vaishnav Kashinath, the partys general secretary is the heir to his fathers power in Delhi politics. He faces his first crisis; every suicide in his constituency certified by the committee as debt-related is a blot on the partys image, and his competence. The brilliant farmer battles his inheritance of despair, the arrogant politician fights for the power he has received as legacy. Their two worlds collide in a conflict that pushes both to the limits of morality from where there is no turning back. At stake is the truth about inherited democratic power. And at the end, there can only be one winner. Passionate and startlingly insightful, Shoes of the Dead is a chilling parable of modern-day India.

  • Sales Rank: #2070086 in Books
  • Published on: 2013-05-10
  • Original language: English
  • Dimensions: 8.15" h x 1.02" w x 5.63" l, .84 pounds
  • Binding: Hardcover
  • 288 pages

About the Author
Kota Neelima is a political editor with The Sunday Guardian and a Research Fellow for South Asia Studies at The Paul H. Nitze School of Advanced International Studies, Johns Hopkins University, Washington, DC. Her previously published work includes the novels Riverstones and Death of a Moneylender. Neelima lives in New Delhi and Washington, DC.

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1 of 1 people found the following review helpful.
Excellent
By Sheetal Bahl
Shoes of the Dead took me completely by surprise - not because of its portrayal of politics in the Indian capital (which, as a layman, sounds fairly plausible to me), but because it managed to make the politics intensely personal, and moved me in a way very few books have in the last few years. By the end of the book, the Gangiri's (co-protagonist) victories and losses were mine, and when he hurt, I hurt too. The characters, and the book, stayed with me for a long time after I finished it. The book's structuring and language are robust and accessible, and above all, eminently readable.

Strongly recommended.

0 of 0 people found the following review helpful.
Fight Between Poor Farmers And Lousy Politics
By jaideep khanduja
http://pebbleinthestillwaters.blogspot.in/2013/06/book-review-shoes-of-dead-fight-between.html

Book Review: Shoes of the Dead: Fight Between Poor Farmers And Lousy Politics

Shoes of the Dead by Kota Neelima - a hardbound book, published by Rupa Publications, has a neatly woven storyline. It has a strong bunch of negative and positive characters scripted in an interesting and powerful manner. I received this book for review from BlogAdda under their Boook Reviews Program. Kota Neelima is a Political Editor for The Sunday Guardian. She is also undergoing her Research Fellowship for South Asia Studies at John Hopkins University, Washington DC. She already has a twin hit of her previously published novels under her belt - Riverstones, and Death of a Moneylender.

This is a sensitively written book presenting both ends of a typical Indian scenario - where on one hand poor farmers keep following suicide spree due to various reasons as most of them depend heavily on monsoon rains, political and local moneylenders support and living with low temperament always worried about the next meal for their family; political leaders keep taking advantage of these situations with just motive of keeping their vote bank intact with whatever measures they have to take to achieve it. One bad monsoon creates a big debt for a farmer and forces him to get pushed under heavy weight of loans drifting him to more poor and uncertain conditions. Local politicians and moneylenders unite and create a kind of mafia to loot poor farmers and mint money by grabbing their land, money, jewelry and home. Very few who understand this ballgame get screwed badly if they try to resist.

The whole game starts with the suicide of Sudhakar Bhadra who belongs to Gopur village, kills himself out of huge debt and no possibility of any healthy conditions returning back so as to live a normal life. He leaves his wife and two kids behind him. Gangiri (the main lead of this story), when comes to know about it, leaves his teaching job in city and returns back to take care of Sudhakar's family and a single motive of fighting with the poor conditions being faced by other farmers in his village. Sudhakar's wife plea of considering Sudhakar's suicide as debt driven and hence sanctioning relaxation in the payable loans by him gets rejected by the local committee stating it otherwise.

Shoes of the Dead is a fight of poor against rich, good against bad, common man against politics and administration. Overall it is an interesting read passing through various twists.

0 of 0 people found the following review helpful.
Shoes of the Dead
By Drac
Shoes of the Dead by Kota Neelima not only have a catching title but also captivating content.
Gangri, whose brother committed suicide owing to all the debts his farming cursed on him, is fighting for a dead man's rights. On the other hand, a young politician Keyur Kashinath, bestowed by political powers transcended due to his father's legacy is looking forward to embark his mark in the dirty politics. When their world collides, what the reader gets is a story filled with farmer's plight, dark face of government politics and image of a shattering society caged with false anticipations.

One would say there is nothing left to say when it comes to such a concept this book is based upon. And they might be right. Shouldn't one read Premchand instead? And one might be wrong. People like us, belonging to a foremost middle class group either believes that things are getting better - `Hey there is a new chain of XYZ brand in the city.' or `It rained good this year.' Or, we believe things are getting worse - `What petrol prices hiked again!' or `Are you kidding me, no subsidy on LPG?' But the fact is things have always been the same for the farmers of this nation. Government, politicians, society and corrupted professionals, everyone constitute for it. And maybe they will be this bad for a long time, unless a struggle begins, one such portrayed in this novel.
But that's not all what the author has to offer. She has also taken into account of politician's thinking. Something, I don't remember I witnessed anywhere else; and hence an applauding effort.

Writing is refreshing and next to perfect. It feels good to learn that you are investing your time in such a book whose author has done a tremendous research. The confidence, anger and urges are conveniently conveyed with moderate flow, quite appropriate for such a story. No, it's not a drag.
The only bad part I came across is that many-a-times I felt the dialogue between characters as superficial. Reminds you of something you may have heard somewhere. Also, it makes the characters to lose a bit of credibility.

Overall, this is a fresh read which you begin with a sigh of relief that it's not going to be in the junk shelf of your library and complete with lots of thoughts and emotions storming through your brain. Recommended for every reader who need food for thoughts, particularly those who can't miss a day's newspaper.

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Selasa, 20 Juli 2010

[J229.Ebook] Ebook Blood of a Traitor, by Sandra Barret

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Blood of a Traitor, by Sandra Barret

Kay has no official family, no official name, just a gene line designation and a crappy future thanks to the Nassien Research Division. As the sole Terran genetic experiment in a Novan Marine outfit, her life is a never-ending conflict.When her Novan ship comes under attack from unknown assailants, she becomes a part of the dreaded Black March and an aide to the enigmatic Lieutenant Colonel Nassien. As the only world she’s ever known crumbles around her she no longer knows who to trust.

  • Sales Rank: #4365701 in Books
  • Published on: 2013-11-01
  • Original language: English
  • Number of items: 1
  • Dimensions: 7.80" h x .42" w x 5.08" l, .43 pounds
  • Binding: Paperback
  • 196 pages

About the Author
Sandra Barret grew up in New England, where she spent more years than she cares to mention as a software programmer. She lives on a small sheep farm with her partner, two children, and more pets than are probably legal to own.

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0 of 0 people found the following review helpful.
I really enjoyed this one
By fish
I really enjoyed this one. The Terra-Novan universe is developing in interesting ways, the characters are better drawn than in the earlier book (Face of the Enemy), and the romance is a smaller element—a good thing, I think, because I don't read military science ficiton for the romance! I'm looking forward to a third book (I hope!) in this universe. In fact I'm hoping that the next one expands on the hints dropped about Lt. Col.Nassien's story.

3 of 4 people found the following review helpful.
Almost good
By Lost in Denver
This story was somewhat clever in how it played the "other side" of events shortly after (or around) the events in "Face of the Enemy" and the primary character is pretty interesting, but this book was otherwise a bit flawed. The primary plot is a bit of a rambling mess. The character of Nassien is apparently in danger of assassination, but I'm never sure why, and the actions of the "bad guys" (including the inevitable attempt at a swerve) never really make much sense either. The romance angle between Kay in Nassien is beyond arbitrary. The author basically decides that since the two characters are in proximity to one another, they have to develop a romance, even though there is zero romantic chemistry. The most I would have expected is a respect, but that's it. Pretty much all the other characters felt pretty two-dimensional. I like where the author is trying to go with the series and has the potential to build a pretty interesting storyline going forward, but this book was a step back from its predecessor.

0 of 0 people found the following review helpful.
Good Read
By KB@JBalways
Not too bad. Not usually a fan of Sci-fi but this novel was pretty good. Definitely an interesting perception on the future. It is at heart a romance but there is plenty of action. I recommend this to anyone who may want to try out something new and different from the usual romance.

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Kamis, 15 Juli 2010

[J357.Ebook] Get Free Ebook The Index Card: Why Personal Finance Doesn't Have to Be Complicated, by Helaine Olen, Harold Pollack

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The Index Card: Why Personal Finance Doesn't Have to Be Complicated, by Helaine Olen, Harold Pollack

When it comes to our money, many of us make the same mistakes over and over again. We are confident when we should panic. We believe that stock we heard about on CNBC or saw promoted on Twitter is the next Apple or Google. Or we find managing our money difficult and boring, and we don't pay any attention at all. We neglect things. We toss our retirement statements in a drawer, planning to look at them on a future day that never arrives. We pay our bills the day before they are due. There is only one thing more confusing: all the you-can-have-it-all financial how-to books out there.

Now, Helaine Olen and Harold Pollack draw on years of experience researching and reporting on the financial lives of Americans to present an accessible, one-stop guide to taking back your financial future. The answers are simple enough to fit on an index card-an idea so user-friendly and helpful that Money magazine named it one of their Best New Money Ideas. Their simple rules include:

  • Save 10 percent to 20 percent of your income. Really.
  • Never buy or sell an individual security. No, not even Google.
  • Avoid actively managed funds. "Active" means "you're paying fees, sucker."

Beyond outlining the rules, the authors also explain why so few people follow them-because the financial services industry profits when people behave foolishly, and a web of incentives and misinformation lead consumers astray, especially in hard times when people feel the pressure to do almost anything to keep up. Armed with The Index Card, listeners will gain the tools, knowledge, and confidence to make the right decisions regarding their money.

  • Sales Rank: #350224 in Books
  • Published on: 2016-05-24
  • Released on: 2016-05-24
  • Formats: Audiobook, CD, Unabridged
  • Original language: English
  • Number of items: 3
  • Dimensions: 5.75" h x .88" w x 5.25" l,
  • Running time: 225 minutes
  • Binding: Audio CD

Review
“The most important financial advice is stunningly simple and fits on an index card. The newbie investor will not find a better guide to personal finance.”
—BURTON G. MALKIEL, author of A RANDOM WALK DOWN WALL STREET
 
“Ten simple, amazingly effective rules unencumbered by the agendas of fee-sucking fund managers or reckless business-media pundits. Highly recommended.”
—NOMI PRINS, author of ALL THE PRESIDENTS’ BANKERS
 
“The Index Card offers engaging stories, persuasive explanations, and fascinating data. It’s realistic, honest, wise, and compassionate, as well as socially and politically astute.”
—JOE CONASON, editor in chief at THE NATIONAL MEMO
 
“All parents should buy The Index Card for their children. If they refuse to read it, consider disinheriting them.”
—ROBERT H. FRANK, professor of economics, CORNELL UNIVERSITY
 
“In a world of relentless financial noise, Helaine and Harold are here to help. This is the best and most important financial book of the year.”
—ZAC BISSONNETTE, author of DEBT-FREE U and THE GREAT BEANIE BABY BUBBLE

About the Author
HELAINE OLEN is the author of Pound Foolish, a contributing editor at Pacific Standard magazine, and the personal finance columnist at Inc. magazine. Her work has appeared in numerous publications, including The New York Times, Slate.com, Salon.com, Bloomberg News and the Los Angeles Times, where she wrote the popular "Money Makeover" feature. Business Insider has ranked her as one of the 50 Women Who Are Changing the World and MoneyTips.com recently named her one of the Top 30 Most Influential People in Personal Finance and Wealth. She lives in New York City with her family.

HAROLD POLLACK is the Helen Ross Professor of Social Service Administration at the University of Chicago. In addition to his academic work, he writes regularly for The Washington Post, The Nation, The New York Times, New Republic, Politico, and The Atlantic. He lives outside Chicago with his family.

Excerpt. © Reprinted by permission. All rights reserved.

INTRODUCTION

SAM’S STORY

A few years ago, Sam received an inheritance after his dad died. Grief stricken and overwhelmed by the demands of work, marriage, and raising children, he placed the money in a local bank’s savings account. Every so often, Sam would make an effort to think about the money. He knew he should invest it in . . . well, something. A few times a year a very official-sounding officer from the bank, someone called a wealth officer, would contact him about it, suggesting a complimentary meeting.

So Sam would sit down at the bank, and an advisor would offer him coffee and muffins and talk to him about his children, his job, and where he next planned to go on vacation. Then he would offer a solution, the next-best thing to a guarantee, he said, as he started talking really fast about expected rates of return, risk, and the importance of the stock market.

The wealth officer, or wealth specialist, or whatever the heck he was called, wanted Sam to sign papers right there and then so the money could get to work, as he put it. But Sam held off. He knew there were unscrupulous money people out there, and he wanted to do his due diligence.

So Sam would call friends, and friends of those friends. Sometimes those friends were in finance or married to people in finance, and they would make suggestions based on what they had picked up from their jobs or their husbands or wives over the years. One offered to manage the money for him altogether but didn’t say how he would be compensated for his time and effort. Another said he should call Vanguard and put the money in something called index funds. Bonds, advised another. Others talked about allocating different percentages to different investments. Still another pal suggested a financial advisor named Kelly who had done amazing things for him.

Other people told Sam horror stories. There was the friend who had been persuaded to invest in tech stocks in 1999 and lost “a bundle,” as he put it. A coworker told him about the friend of the family who seemed so kind but put her mom in some sort of investment that didn’t do what it was supposed to and left her in a worse position than when she started out. Several people mentioned Bernie Madoff.

It was overwhelming. It seemed as if everyone contradicted one another. And they were all so sure . . . sure that they had the secret to how to make money grow or that it was all a rip-off. And Sam was scared. He needed that money. He wanted to send his children to college. He couldn’t bring himself to risk losing it.

So Sam ended up doing . . . nothing.

Not only did Sam’s nest egg end up losing a chunk of its value to inflation, but the stock market also did well during this period. Sam didn’t benefit from that run-up. He wasn’t running anywhere. He was stuck doing nothing because the combination of the myriad options and uncertainties of money, the economy, and the financial services industry had all but paralyzed him.

THE POUND FOOLISH STORY

Sam is hardly alone. Statistics and studies show that many of us choose not to deal or take a hands-on approach when it comes to our finances.


   • Almost three out of four of us say our finances cause us stress on at least a monthly basis.
   • One-third of those in relationships say money is a major source of conflict with their significant other.
   • Fifty-five percent of people with investable assets worth between $50,000 and $250,000 say they fear outliving their retirement savings.
   • Sixty-nine percent of us answered “never” when asked how often we balance our checking accounts.

The roller coaster that is our economy only makes us even more hesitant to take control of our financial lives. In her book Pound Foolish: Exposing the Dark Side of the Personal Finance Industry, Helaine told the story of how for all too many of us wages began to stagnate and fall, even as jobs and paychecks became less secure. At the same time, almost all the income and wealth gains since the end of the Great Recession have gone to the wealthiest.

We feel as if we are falling behind because, frankly, we are, often through no fault of our own.

We’re convinced any financial mistake will send us on a downward spiral we won’t be able to recover from. Many of us walk around with a constant and growing sense that financial doom can arrive at any moment.

So like Sam we fret about our finances but remain frozen. Money feels complicated, boring, scary, and overwhelming all at once. Who wants to wade through competing budget apps? We want to be careful financial stewards but instead get caught up playing a losing game of financial Whac-A-Mole.

Desperate, we tell ourselves that someone out there must have the answer. All too many people working in the financial services industry market themselves as our friends who have special insights into the world of finance and future events. Even as we don’t trust many of the financial types we encounter, we are secretly convinced there is one person out there, one honest man or woman, who can identify exactly that magic investment for us, and guarantee that our money will grow, and that nothing will go wrong, not ever.

But as Pound Foolish showed, many of our financial problems were not the result of our financial missteps. They were caused by economic trends and recessions and then compounded by the failure of financial regulators to crack down on bad behavior by those who claimed to be offering us help.

Many of Pound Foolish’s readers contacted Helaine to thank her for not laying all the blame of their financial woes on their shoulders, and just as many had a simple follow-up question: If we all need to be wary of the financial services industry, and yet we also need to be proactive about our finances, what do we do?

For a long time, Helaine had no answer to that question.

Fortunately, Harold did.

HAROLD’S STORY

Like Helaine, Harold does not work in the financial services industry. A professor at the University of Chicago and a contributor to a number of media outlets and blogs, including the Washington Post’s Wonkblog, Harold came up with the concept of the index card not as some academic experiment but as a practical solution to the kinds of urgent financial problems many of us encounter at some point in our lives. As he explains,

For most of my life, I had no real savings to speak of. I didn’t even own a home until I was forty years old. My wife, Veronica, and I were not poor by any means, but we were starting a family. Like many people our age, we never displayed much financial forward thinking or savvy. I was putting money in my retirement account but basically treading water otherwise. We rented (and subsequently missed out on a historic real estate run-up). I invested in dot-com stocks. You can guess how well that ended. We had child-care expenses. We let some costly debts accumulate. We overpaid for a nice new car when a nice used model would have worked fine.

Then, as so often is the case, life happened.

Around the time of my forty-first birthday, Veronica lost her mother quite suddenly. Veronica’s brother Vincent, who lives with an intellectual disability known as fragile X syndrome, was living with Veronica’s mom. The issues were sad and complicated, but the bottom line was simple. After this untimely death, Vincent needed to move in with us and our two young daughters. Vincent moved in with us and our two young daughters.

Immediately, we felt the financial strain. Veronica had to leave the workforce to address Vincent’s needs. Yet even as our income fell, our expenses mounted. And mounted. Vincent had multiple hospitalizations and medical challenges, many related to his morbid obesity. The La-Z-Boy chair we bought to support his 340-pound frame cost nearly $1,000. Not long after, Veronica developed a serious heart infection that landed her in the cardiac ICU. We weren’t in financial free fall, but things were tight, and we were living a fundamentally different kind of life than we had ever expected.

I needed to quickly find some real answers to right our financial life.

I didn’t have much financial knowledge. I did draw upon the tools of my academic trade to help guide me as I tried to distinguish the useful advice from the useless or worse. I consulted financial advisors and read books and academic papers on managing one’s finances.

Through trial and error, conversations with friends and other academics, I slowly pieced together a new financial regimen. Some was common sense. Some involved teaching myself insights that were actually well known to financial economists but underemphasized in the cacophony put out by the financial services industry. The most important advice was embarrassingly simple. It included the following:


   • Save 10 to 20 percent of your money—or as much as you can, if you can’t put that much aside.
   • Pay your credit card balance in full every month.
   • Invest in low-cost index funds.

By following these rules and a handful more, we saw our financial picture begin to brighten. Life didn’t change overnight. But it did change. We had more money in the bank. We could afford to take a vacation without fearing what would become of us the next month if we encountered an unexpected home repair. We could exploit the various tax-advantaged savings offerings we could never use before. And putting money away allowed us to get lucky in the stock market; investment returns from the most recent bull market will help pay the college tuition for our daughters. We could refinance our mortgage on favorable terms. We found ourselves able to help out our relatives who were struggling. We felt financially secure, even though our house is still worth notably less than it was when we bought it in 2003.


THE INDEX CARD STORY

When Pound Foolish was published, Harold contacted Helaine and interviewed her on the Reality-Based Community blog. During their Internet chat, Harold offhandedly noted that the fundamental dilemma facing the financial services industry is that the correct advice for most people fits on a three-by-five-inch index card and is available for free at the library.

A surprising number of people wrote to Harold, asking for the card. Because he was speaking metaphorically, this was a problem. But he had promised. So he pulled one of his daughter’s index cards out of her backpack, picked up a pen, and in maybe three minutes wrote down some of the simple and basic financial rules he and Veronica had been living by for the past decade. He then snapped a crude picture with his smartphone. This is what it looked like:

Harold posted the photograph on his blog, and things quickly went viral. There were hundreds of thousands of hits around the Internet. A life coach copied it word for word and read it aloud in a YouTube video. The card was even translated into Romanian. There were also shout-outs from people who have deep knowledge about personal finance, economics, and investments.

“Pollack’s right. Follow these principles and you’ll be in much, much, much better shape than most Americans—or most anyone,” wrote Ezra Klein over at the Washington Post.

“Your new financial advisor is Harold Pollack’s index card,” declared the website Boing Boing.

Marketplace, Forbes, the Huffington Post, Reddit, and Lifehacker discussed it.

The MacArthur fellow Sendhil Mullainathan tweeted the card out. So did top economists like Justin Wolfers. Vanguard mentioned the index card on its blog and e-mailed a picture of it with accompanying information in a “MoneyWhys” New Year’s investment advice message to its subscribers. Money magazine called it one of the “best new money ideas” of 2013. The Minneapolis Star Tribune wrote, “The most notable personal finance writing of 2013 . . . was a handwritten 4 × 6 index card.”

There were thousands of comments and tweets, Facebook likes, and LinkedIn shares. Among the index card’s many fans? Helaine, who knew she finally had an answer for her readers. Rather than people relying on the so-called expert advice of the financial industry to dig them out of their money troubles and provide them with a magic bullet, she and Harold knew instinctively that the answer was much simpler and that it lay not with the experts but within ourselves.

One quick note: You’ll notice we made a few alterations to the original index card. Most of these changes were either organizational or for wording, but a few are more significant. Most important: Harold originally suggested that people save 20 percent of their pretax income. It’s a terrific goal. It’s also all but impossible for many of us. Aiming for 10 to 20 percent is a more realistic long-term strategy. We also eliminated the recommendation to use target-date funds—read on to find out why. Finally, we felt it was important to include insurance and housing, both of which didn’t make it onto the original card.

KEEP IT SIMPLE—THE ONLY STORY YOU NEED TO KNOW

So a question: If the rules are so simple, why do you need more than an index card—heck, a book—to explain them?

Most of us don’t want to follow rules unless we know why they are rules. This book explains how the rules work and why we chose them. They may be simple, but they aren’t always self-explanatory.

Simplicity—as anyone who has ever tried to perfect a golf swing knows—often takes work and insight to achieve. Just telling you financial rules to follow is not the same thing as showing you how to master them so that you can follow them with confidence. And you will need to because . . .

There is a whole industry of financial services advisors out there who make their living by convincing you that it’s naive to believe that simplicity, common sense, and restraint are potent enough weapons with which to deal with the whirlwind of financial chaos facing any of us on any given day. They make their money by convincing you that investing is so complicated, you need to turn it over to them. Or they convince you that they—as insiders, as “professionals”—have the ability to outsmart everyone else and know exactly what investment scheme will outperform the S&P 500.

The financial world offers an odd juxtaposition. The financial products we use in our day-to-day lives—credit cards, mutual funds, mortgages—are often quite complicated. But that doesn’t mean the way we lead our financial lives needs to be equally complicated.

Between Helaine’s experience covering the pitfalls and traps of the financial services industry and Harold’s proven practical solutions to his own financial problems, we can help you take control of your financial life.

So by following the nine simple rules as outlined on our index card, you will


   • have the confidence to make your own financial decisions;
   • discover basic financial truths such as that low-fee index funds outperform just about any more complicated investment you can buy and that simple fixed-rate mortgages remain the best way to borrow money to buy your house;
   • be armed with a timeless set of guidelines that you can turn to no matter what financial issues you may face or how drastically the winds of financial change shift; and
   • be sure you never make the same mistake Sam made and let your fears about the financial unknown prevent you from doing anything.

Ready to finally take action and begin the next phase of your financial life?

Good. Let’s get started.

LIFE HAPPENS: WHY YOU NEED TO SAVE MONEY

There comes a time when outside circumstances—what most people refer to as life—force us to take control.

For Harold, this moment came with the sudden arrival of his brother-in-law Vincent, which sent the household into fiscal chaos.

For most of us, however, it’s not that sudden. Money comes in, and money goes out. It seems to simply vanish, lost in a windstorm of expected and unexpected expenses. There’s rent or mortgage, car payments, and the grocery bill. And honestly, who can even make sense of the average cell phone bill?

And those are just the monthly bills and regular expenses.

Then there are what might be termed the unexpected expected expenses. Take car repairs. Do you know anyone who ever planned for a broken-down car? On the other hand, do you know anyone who has ever had a car that didn’t break down?

We want to be on top of our money, but instead we find ourselves avoiding thinking about it. It’s natural, in a way. It can be difficult and the opposite of fun. But our avoidance prevents us from doing the most commonsense, basic thing we can do to take control of our financial life: Learn how to save.

WHY IT’S SO HARD TO SAVE—PART 1

Why do so many of us seem to come up short when playing the financial long game?

Well, take a breath. We’re here to tell you that—wait for it . . .

It’s not totally your fault.

If you find yourself working long hours, not spending extravagantly, and still wondering why you’re not saving a dime, you’re not alone. There are lots of things out there that make it hard for all of us to save.

In her book Pound Foolish, Helaine told the story of how many of our financial lives collapsed. The most important takeaway: For all too many of us, wages began to stagnate and fall. Accounting for inflation, the annual median income of American households declined by about $3,000 between 1998 and 2013. At the same time, income inequality has increased. Almost all gains in household income and wealth in the past several years have gone to the top 1 percent of the population, even the top 0.1 percent.

But just because our salaries were all but frozen didn’t mean our cost of living enjoyed a similar break. Not only did the cost of all those things you can’t live without—think health care, housing, and education—go up, but they have generally gone up faster than our salary increases and the costs of less essential items.

And even as we faced all these hurdles, we don’t exactly live in a society that encourages moderation. In America, most of us idealize living large. Luxury is marketed at us incessantly. It’s easy to tell people—not to mention ourselves—to ignore the millions of social cues that encourage us to overspend. It’s certainly good advice but hard for all too many of us to heed.

When Helaine’s older son was born in 1999, you would have been hard-pressed to spend more than $400 for a stroller, and that would have been a bulky, less-than-practical European import. Yet by the time her younger son was born in 2003, the $1,000 Bugaboo was (for a surprising number of us) suddenly a must-have. A $400 stroller seemed like a bargain-basement item. It was a great feat of marketing.

Watch any play-off game. Halftime ads feature a parade of amazing cars. Reprising his look from The Matrix, Laurence Fishburne hawks the new Kia K900 (manufacturer’s suggested retail price $59,500). He intones that viewers should “challenge the luxury you know.” He wants them to think about “the way it makes you feel.”

All this seems counterintuitive given our tough economic times. How could we become more addicted to luxury spending? Yet research says it’s just what we should expect to happen. According to economists Marianne Bertrand and Adair Morse, authors of a paper called “Consumption Contagion,” the more the wealthier people at the top of the income ladder spend on high-status luxury goods, the greater the pressure to keep up across the income spectrum. This “trickle-down consumption,” as they call it, reduces the savings rates for all too many of us.

The result?


   • Our national savings rate has been in the low single digits for twenty-five years.
   • A little more than a quarter (27 percent) of American households have net worths of $5,000 or less.
   • 47 percent of us report that we could not come up with $400 if we needed to without selling something, resorting to increased credit card debt, borrowing from a friend or relative, or taking out a payday loan.

That’s the world we live in. It isn’t easy to step out.

WHY IT’S SO HARD TO SAVE—PART 2

The harder it is to make it through to the next day financially—whatever the reason—the harder you will find it to make careful and disciplined decisions. That’s not because you are a bad person who wastes money and, thus, lands in financial hot water time and time again. It has to do with how we human beings are hardwired, the way we react to scarcity.

Most helpful customer reviews

117 of 119 people found the following review helpful.
You can just read the table of contents, but still a good read (the details matter).
By Jason
Olen and Pollack have written a quick easy to read book on personal finance. (This is ironic given that Olen previously wrote Pound Foolish, which lambast most of popular personal finance books.) In Pound Foolish, Olen criticizes personal finance gurus for overemphasizing financial gimmicks, such "The Latte Factor" or the "Dogs of the Dow." and financial advisors for selling overly-complicated self-serving investment and insurance products. After being so critical of other people's financial advice, one wonders what Olen would recommend people do with their money? Well in The Index Card, Olen joins with Harold Pollack (a social science professor, but not an economist, at the University of Chicago) to answer the question, "What should middle class Americans do with their money?"

As the title indicates, Olen's and Pollack's answer fits on an Index Card. 1-Strive to save 10%-20% of your income. 2-Pay your credit cards off every month (and minimize other debt). 3-Maximize your 401(k) and other tax-advantaged savings accounts. 4-Never buy or sell individual stocks. 5-Buy inexpensive well-diversified indexed mutual funds and exchange-traded funds. 6-Hire a fee-based fiduciary (avoid commission-based financial salespeople). 7-Wait to buy only as much home as you can afford (remember homes are usually highly-leveraged investments with high maintenance costs). 8-Buy term life insurance, auto-insurance (especially liability), home insurance or renter's insurance, and disability insurance. 9-Support the social safety net (government programs, such as Social Security, Medicare, Medicaid, and student loans, because 96% of American depend on such programs for financial assistance, even though 40% deny obtaining help from the government.) 10-Keep doing the first 9.

Much of this advice falls under easier said than done, but these are achievable goals for someone in a stable financial situation. The authors repeatedly tell readers how to take care of their money during good times, so that they will have money during bad times. The first principle, saving ten to twenty percent of your income will be difficult for people who have gotten used to spending what they make, which the authors acknowledge, but one should at least save as much as possible. Likewise with the second principle, payoff your credit cards every month, easier said than done, but the Olen and Pollack suggest that if you can't pay them off, then stop using them altogether. Psychologically cash is harder to spend than credit. Principle 3 harkens back to principle 1, save 10-20% of your income, only try to save as many pre-tax dollars as possible to reduce your taxes and you're less likely to miss what you never got. Principle 4 is simple, playing the stock market is like playing poker, unless you are exceptionally skilled and lucky (and rich) you will lose more often than you win. Instead, principle 5 suggest that you bet with the house and just try to match the market, since most stock-pickers and fund managers do worse than the market over the long run. The last two principles stress protection for disasters that are too big for you to self-insure with your savings. Finally, like staying in physical shape, staying in financial shape requires frequent repetition.

Through trial and error as well as research, I have come to many of the same conclusions. Recently, I have been able to implement all ten principles. They work well for me, but I wish the Olen and Pollack had said more about costs that seem destined to set one back, such paying for college and home renovations. Nonetheless, I would recommend this book to recent high-school or college graduates just beginning their careers.

P.S. I have taught college courses and published papers on the sociology of money. I have also obtained licenses to sell life and health insurance and mutual funds. Thus, I have been on both sides of the table.

28 of 28 people found the following review helpful.
Simple advice is the advice you will actually follow
By Andre Marquis
Simple advice is the advice you're most likely to follow and this book does a great job of laying out exactly that - simple steps you can take to protect your financial future and *why* those are good steps and how to avoid common pitfalls. Great for people who are not following the Index Card steps already and a perfect book to hand out to those younger folks in your life who need a to get started.

7 of 7 people found the following review helpful.
Simple read with straightforward advice
By Cfamily
This is a straightforward book with simple advice to follow. I purchased this book because it was listed as a “beach read” in Money Magazine. Although a lot of the advice is common sense, I still found the book valuable because it confirmed strategies that I was already doing- like pay your credit card balance in full every month and buy inexpensive index mutual funds. I found their advice on mutual funds very beneficial because it led me to re-evaluate the mutual funds that I currently own and I ended up selling off my funds that were both poor performers and had high management fees (as they were actively managed) and purchased better rated mutual funds with low fees. I didn’t agree with all of the financial advice such as never buy or sell individual stocks. Instead, I would suggest to place the bulk of your money in low fee diversified index mutual funds and for any extra money that you are okay with losing, then it’s okay to buy individual stocks. I purchased both Ford and GM stocks and did very well with the former and lost all my investment with the latter. I also disagree with their short argument against making money from income properties as they state “Real estate speculation is best reserved for gamblers and the pros” (page 175). I have 3 investment properties and do very well with them. I have a property manager to handle any daily issues that may come up. They are all paid off so I receive positive cash flow every month. I do not think they did the topic justice and would suggest the “Rich Dad Poor Dad” series for anybody interested in real estate. Overall, I think the book is worth purchasing for those new to finance or anybody wanting financial strategies explained very simply.

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Rabu, 14 Juli 2010

[G996.Ebook] PDF Ebook Empirical Political Analysis, 8th Edition, by Richard Rich

PDF Ebook Empirical Political Analysis, 8th Edition, by Richard Rich

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Empirical Political Analysis, 8th Edition, by Richard Rich

Empirical Political Analysis, 8th Edition, by Richard Rich



Empirical Political Analysis, 8th Edition, by Richard Rich

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Empirical Political Analysis, 8th Edition, by Richard Rich

Empirical Political Analysis introduces students to the full range of qualitative and quantitative methods used in political science research.
Organized around all of the stages of the research process, this comprehensive text surveys designing experiments, conducting research, evaluating results, and presenting findings. With exercises in the text and in a companion lab manual, Empirical Political Analysis gives students applied insights on the scopes and methods of political science research.

Features:

  • Offers comprehensive coverage of quantitative and qualitative research methods in political science, a hallmark since it first published over 25 years ago.
  • Covers the research process from start to finish―hypothesis formation, literature review, research design, data gathering, data analysis, and research report writing.
  • Includes in-depth examples of political science research to give discipline-specific instruction on political analysis.
  • Features a “Practical Research Ethics” box in every chapter to make students aware of common ethical dilemmas and potential solutions to them.
  • Written by political scientists who actively publish in subfields ranging from comparative politics to environmental policy to political communications to voting behavior.
  • Includes learning goals, key terms, and research examples to help students engage and explore the most important concepts.

  • Sales Rank: #384219 in Books
  • Published on: 2010-02-17
  • Original language: English
  • Number of items: 1
  • Dimensions: 8.90" h x .90" w x 7.30" l, 1.59 pounds
  • Binding: Paperback
  • 446 pages

Review
“This is a highly effective companion to an undergraduate research methods class; it not only introduces students to qualitative and quantitative methods but also helps them become better consumers of political science research.”–Pia Kohler, University of Alaska-Fairbanks

From the Back Cover
Updated in a new 8th edition, this book introduces readers to the full range of qualitative and quantitative methods used in political science research.

Organized around all of the stages of the research process, this comprehensive book surveys designing experiments, conducting research, evaluating results, and presenting findings. With exercises in the text and in a companion lab manual, Empirical Political Analysis gives readers applied insights on the scopes and methods of political science research.

About the Author

Craig Leonard Brians is Associate Professor of Political Science at Virginia Polytechnic Institute and State University.

Lars Willnat is Professor of Journalism at Indiana University.

Jarol B. Manheim is Professor of Media and Public Affairs and of Political Science at the George Washington University.

Richard C. Rich is Professor of Political Science at Virginia Polytechnic Institute and State University.

Most helpful customer reviews

6 of 6 people found the following review helpful.
A Solid and Accessible Textbook on Methodology
By unraveler
The book is clearly written, and I am using it this semester for an undergraduate class I teach. I am not a big fan of textbooks in general, as I rarely use them myself, and when I do, it is mostly for concrete and breif reference purposes. This book is very accessible. I especially liked the chapter on focus groups. The chapter on content analysis is also good, because it conveys very clearly the problems that one faces with this particular method, but at the same time the chapter is not mathematically deep. I find that most of my studnets find this book easy to use. As a book on statistics, it is not very powerful, and the presentation of even the basic methods could use better organization. But overall, this is still a useful text.

4 of 4 people found the following review helpful.
A Tough Subject Clearly Explained
By Relating Internationally
I'm a Junior at a large university, and this book is required for my Research Methods class. I've put off taking this class until now, since I'm not very math-oriented. This book explains research ideas in a very simple way, and each chapter has lots of examples from politics. My professor sometimes also has us read the sample articles that the chapters list. This is extra work, but seeing how real researchers use a method helps me understand it. By the way, there is math in the statistics section, but it's not really that bad. If you're not a natural whiz at research, this is the book for you.

2 of 2 people found the following review helpful.
Textbook
By Dayelle
As far as textbooks go, it's a very informative one, and has most of the information one would need for a research methods course (which is the course I needed the book for). It is, however, very hard to read. It may just be that the information itself is difficult to comprehend, or it could be the drawn out way in which the authors chose to relay the information.

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The Automatic Customer: Creating a Subscription Business in Any Industry, by John Warrillow

The lifeblood of your business is repeat customers. But customers can be fickle, markets shift, and competitors are ruthless. So how do you ensure a steady flow of repeat business? The secret—no matter what industry you’re in—is finding and keeping automatic customers.

These days virtually anything you need can be purchased through a subscription, with more convenience than ever before. Far beyond Spotify, Netflix, and New York Times subscriptions, you can sign up for weekly or monthly supplies of everything from groceries (AmazonFresh) to cosmetics (Birchbox) to razor blades (Dollar Shave Club).

According to John Warrillow, this emerging subscription economy offers huge opportunities to companies that know how to turn customers into subscribers. Automatic customers are the key to increasing cash flow, igniting growth, and boosting the value of your company.

Consider Whatsapp, the internet-based messaging service that was purchased by Facebook for $19 billion. While other services bombarded users with invasive ads in order to fund a free messaging platform, Whatsapp offered a refreshingly private tool on a subscription platform, charging just $1 per year. Their business model enabled the kind of service that customers wanted and ensured automatic customers for years to come.

As Warrillow shows, subscriptions aren’t limited to technology or media businesses. Companies in nearly any industry, from start-ups to the Fortune 500, from home contractors to florists, can build subscriptions into their business.

Warrillow provides the essential blueprint for winning automatic customers with one of the nine subscription business models, including:

  • The Membership Website Model: Companies like The Wood Whisperer Guild, ContractorSelling.com, and DanceStudioOwner.com offer access to highly specialized, high quality information, recognizing that people will pay for good content. This model can work for any business with a tightly defined niche market and insider information.
  • The Simplifier Model: Companies like Mosquito Squad (pest control) and Hassle Free Homes (home maintenance) take a recurring task off your to-do list. Any business serving busy consumers can adopt this model not only to create a recurring revenue stream, but also to take advantage of the opportunity to cross-sell or bundle their services.
  • The Surprise Box Model: Companies like BarkBox (dog treats) and Standard Cocoa (craft chocolate) send their subscribers curated packages of goodies each month. If you can handle the logistics of shipping, giving customers joy in something new can translate to sales on your larger e-commerce site.

This book also shows you how to master the psychology of selling subscriptions and how to reduce churn and provides a road map for the essential statistics you need to measure the health of your subscription business.

Whether you want to transform your entire business into a recurring revenue engine or just pick up an extra 5 percent of sales growth, The Automatic Customer will be your secret weapon.

Table of Contents
Introduction
PART ONE: SUBSCRIBERS ARE BETTER THAN CUSTOMERS
Chapter 1: The
New
500-Year-Old Business Model
Chapter 2: Why You Need Automatic Customers
PART TWO: THE NINE SUBSCRIPTION BUSINESS MODELS
Chapter 3: The Membership Website Model
Chapter 4: The All-You-Can-Eat Library Model
Chapter 5: The Private Club Model
Chapter 6: The Front-of-the-Line Subscription Model
Chapter 7: The Consumables Model
Chapter 8: The Surprise Box Model
Chapter 9: The Simplifier Model
Chapter 10: The Network Model
Chapter 11: The Peace-of-Mind Model
PART THREE: YOUR SUBSCRIPTION BUSINESS FIELD GUIDE
Chapter 12: The New Math
Chapter 13: The Cash Suck vs. The Cash Spigot
Chapter 14: The Psychology of Selling a Subscription
Chapter 15: Scaling Up
Chapter 16: Reflections

  • Sales Rank: #57596 in Books
  • Published on: 2015-02-05
  • Released on: 2015-02-05
  • Original language: English
  • Number of items: 1
  • Dimensions: 9.25" h x .75" w x 6.20" l, 1.00 pounds
  • Binding: Hardcover
  • 224 pages

Review
“Whether your business is exploding or stuck in a rut, there’s something you can learn from John Warrillow in this book. Read, apply, and watch your bank deposits grow every month.”

—CHRIS GUILLEBEAU, New York Times bestselling author of The Happiness of Pursuit and The $100 Startup


“By page 40, The Automatic Customer will have you fundamentally reexamining your entire business. This is a brilliantly made case for why subscription revenue should be a part of every company. Highly recommended!”

—JAY BAER, New York Times bestselling author of Youtility


“It’s rare that a book is able to have such a universal, immediate, and profound impact on the strategy of almost every business okay, every business. Warrillow’s case for adding a recurring revenue stream to your business model is convincing and he shows you nine ways to do it, as well as how to navigate the potential pitfalls.”

—VERNE HARNISH, CEO of Gazelles and author of Scaling Up, The Greatest Business Decisions of All Time, and Mastering the Rockefeller Habits


“The Holy Grail in business today is the eternally loyal customer. The Automatic Customer is your blueprint for building a business that generates profit over and over again.”

—JOHN JANTSCH, author of Duct Tape Marketing and Duct Tape Selling


“In this fantastic book, John Warrillow provides a clear path to turning your company from one that needs to start from scratch every month to one in which your work and, most important, your results, are predictable. If you want to build a business with a very healthy bottom line and extremely well-served customers, this book is an invaluable resource.”

—BOB BURG, coauthor of The Go-Giver and author of Adversaries into Allies

About the Author
JOHN WARRILLOW, the author of Built to Sell, is the founder of a subscription-based company called The Value Builder System™, where advisers help company owners increase the value of their businesses. Before that he founded Warrillow & Co., a subscription-based research business dedicated to helping Fortune 500 companies market to small business owners. A sought-after speaker and popular Inc.com columnist, he lives in Toronto, Canada.

Excerpt. © Reprinted by permission. All rights reserved.

Introduction

We had been running together for five months when Sacha announced he was leaving on a business trip to China. The timing could not have been worse; the marathon was just six weeks away, and we had come to rely on each other to stay motivated through the hardest part of our training schedule.

Now, at the height of our work, he was leaving for two weeks.

Since Sacha and I wouldn’t be able to run together, we decided to egg each other on digitally. We agreed to text each other the results from our training run each day as a way to stay motivated. Sacha asked if, instead of texting, we could use a messaging service called WhatsApp.

I was used to texting using the standard service on my iPhone, so I wasn’t in a hurry to learn a new platform. I asked him why we couldn’t just text the normal way.

Sacha replied that the phone company charges a relative fortune to text from China, and WhatsApp, instead of using the mobile networks, runs on the Internet and therefore doesn’t require expensive mobile carrier fees. In fact, the only fee to use WhatsApp is a $1 per year subscription it charges after the first year.

We used WhatsApp to communicate while Sacha was in China, and eventually finished the marathon together, thanks in part to our WhatsApp-supported training regimen. It turns out that, in using WhatsApp, we were not alone. By early 2014, WhatsApp had acquired 450 million users and was adding a million users per day when Facebook announced it had acquired the company for $19 billion—the largest acquisition of an Internet start-up in history.

Most of the other Internet-based messaging services at the time used an advertising model to monetize their users. They offered a free platform but bombarded users with cheesy ads in return. WhatsApp founders Jan Koum and Brian Acton wanted to offer a cleaner, more private messaging experience. Instead of selling advertising, they opted for the subscription business model.

A dollar a year as a subscription fee may not sound like much, but when you have 450 million users and are picking up a million users a day, $1 a year starts to add up. What’s more, because WhatsApp doesn’t try to be anything other than a subscription-based messaging platform, it doesn’t need a lot of employees. In fact, at the time of its acquisition, it had just 55 people taking care of its 450 million subscribers.

WhatsApp won the $19 billion lottery not because its technology was better, or its people were any more caring, or its advertising was funnier. WhatsApp won, in large part, because it made its customers automatic. It chose the right business model for success by asking users to subscribe to its service.

This book will show you how to apply the subscription business model to your own business. When people think of subscriptions, they often think of cloud-based software, gaming, or media companies. While readers from those industries will benefit from this book, you can also apply the subscription business model to your company—no matter what your size or industry. WhatsApp is only one example of how powerful automatic customers can be for the growth of your business.

I Screwed Up

The last time I wrote a book, I screwed up.

Called Built to Sell: Creating a Business That Can Thrive Without You, the book was designed to illustrate how to transform a successful business into a sellable one. In it, I touched briefly on the importance of having customers who repurchase from you on a regular schedule, but in hindsight, I should have dedicated at least half the book to recurring revenue.

In the years since Built to Sell was published, I’ve come to see how important recurring revenue is in building a valuable, sellable company. These days I run a subscription business called The Sellability Score (SellabilityScore.com) that helps owners build valuable companies by examining the eight key drivers of sellability. Owners who achieve a Sellability Score of 80 or more out of a possible 100 garner offers that are 71% higher than the average.

The biggest factor in driving up your Sellability Score is the degree to which your company can run without you, the owner. That’s a head scratcher for a lot of owners who are the best salesperson in their business. The secret is to build recurring revenue that brings in sales without having to resell the customer each month.

To appreciate the impact of recurring revenue on your company’s value, you have to understand what buyers are buying when they acquire a business. Most owners want buyers to value their past achievements, such as last year’s profits or an industry award they’re proud of. In fact, it has been my experience that financial buyers are really buying only one thing when they purchase a company: a future stream of profits.

In the home security business, for example, companies have two forms of revenue. They receive installation revenue when they come to your home or office to install the keypad and wire things up, and they receive monitoring revenue in the form of the monthly payment for keeping an eye on things.

At SellabilityScore.com, we know from our analysis that when an acquirer buys a security business, it pays 75 cents for “one-shot” installation revenue and $2 for every dollar of monitoring revenue. Said another way, a security company with 100% monitoring revenue (the subscription aspect of such a business) is almost three times more valuable than a security business of the same size that has 100% installation revenue.

The same trend plays out across most industries. Accounting firms are valued based on their recurring fees. Financial planning practices trade based on how likely clients are to stay with the firm after the owner retires. IBM’s stock moves up and down based on its recurring revenue from service contracts.

So recurring revenue makes your business a lot more valuable, and it also makes your company less stressful to run.

The Tyranny of Selling & Doing

In 1997, I started Warrillow & Co., a research company. We started out as a typical “sell/do” services business; our job was to cultivate relationships with people, listen to their problems, and try to come up with a solution. Each project was different, and we spent the majority of our time developing custom proposals, many of which were never accepted.

The company was profitable on paper but debilitatingly stressful to run. I hated the first day of each month because that was when all the dials turned back to zero and we had to scramble to find enough business to cover our overhead.

I remember distinctly the first time our fixed expenses crested $100,000 per month. I thought to myself, “If we don’t sell anything this month, we still have $100,000 in expenses to cover!”

The stress of having to re-create the business from scratch each month led me in search of a better model. I started to study other research companies, like Gartner and Forrester Research, that had successfully “productized” a service and, as a result, began experimenting with automating parts of our business.

Instead of doing “one-shot” research, we decided to offer the identical packages of information to a subscriber base of customers. Instead of doing custom proposals, we created a brochure about our offering and a standard proposal. Instead of getting paid 60 days after the project was complete, we charged up front for an annual subscription to our research.

The business became much less stressful to run. We went into each new month with revenue on the books, and we were no longer beholden to any one customer. In fact, we starting winning the world’s largest companies as subscribers, including American Express, Apple, AT&T, Bank of America, Dell, FedEx, Google, HP, IBM, MasterCard, Microsoft, Sprint, Visa, and Wells Fargo. Charging for our subscription up front also meant that after a while we had more cash than we knew what to do with. To top it off, we were growing at a rate of 25% a year and were quickly replacing the revenue from the one-shot projects we had left behind. Warrillow & Co. was acquired by a public company in 2008.

You may be thinking, That’s nice, but it would never work in my industry or in my company. Maybe—especially if you cling to the standard industry practices of your category. But as you’ll see, virtually every business—from a start-up to a Fortune 500 company, from a home contractor to a manufacturer—can create at least some recurring revenue if it is willing to jettison the old way of doing things to pioneer a new business model.

And companies that don’t just might face competition from those that do. Increasingly, some of the smallest businesses in the world are facing crippling competition from the largest. The subscription economy has pitted small companies against big ones and suppliers against resellers, and has even made partners into enemies. The battle lines are being drawn, and I hope The Automatic Customer will be your secret weapon for winning in the subscription economy.

If you are someone who has a business that you would like to make a little more predictable, a little less stressful, and a whole lot more valuable, this book is for you. Whether you want to transform your entire business model or just pick up an extra 5% of automatic revenue, I hope you’ll see yourself in the following pages.

What You’ll Find Inside

The book is organized into three sections. Part One outlines the surprising truth about who is winning in the subscription economy, why companies like Apple and Amazon are transforming themselves into subscription businesses, and why virtually every venture-backed start-up has a recurring revenue model.

We’ll also look at eight ways your business will be more valuable and less stressful after you adopt the subscription model. You’ll learn how the subscription business model dramatically increases the average value of each of your customers, and how to smooth out demand in your company so that it matches your ability to fulfill it. We’ll discuss why automatic customers buy more than one-shot customers and why subscription revenue is stickier than a one-time purchase.

Part Two is divided into minichapters on the nine subscription business models. As you’ll see, you have a variety of choices when it comes to building a recurring revenue stream for your business. Whether you want to transform your entire business or just pick up a few thousand dollars of passive income, you’ll get a ton of new ideas for applying the subscription model to your company.

The third and final section of The Automatic Customer gives you the blueprint for building your subscription business. We’ll discuss a handful of key statistics that will define the viability of your subscription and highlight one ratio you must achieve in order to scale up. We’ll look at the psychology of selling your subscription and how to overcome something I call “subscription fatigue.” Then we’ll turn to financing the growth of your subscription business and explore whether you want to raise venture-capital funding, as WhatsApp and Dollar Shave Club did, or self-fund your growth, like FreshBooks and Mosquito Squad. Part Three ends with a discussion on scaling your subscription business.

Let’s get started.

PART ONE

Subscribers Are Better than Customers

Why are Amazon, Apple, and many of the most promising Silicon Valley start-ups leveraging a subscription business model? In Part One we’ll look at how automatic customers make your company more valuable . . . and a whole lot more enjoyable to run.

CHAPTER 1

Who Wins in the Subscription Economy?

Amazon has come a long way since its days of just hawking cheap books online. Of course, you can still buy books on the site, but today’s Amazon will sell you everything from diapers to laundry detergent. Increasingly, it is digging deeper into our pockets through the subscription service called Amazon Prime.

Amazon Prime subscribers pay Amazon $99 a year in return for goodies like free streaming of thousands of movies and TV shows and free two-day shipping on most Amazon purchases. According to a 2013 report released by Consumer Intelligence Research Partners, there are now approximately 16 million subscribers to Amazon Prime. As I write this, the folks at Morningstar estimate, since Amazon does not release the data publicly, that membership in Amazon Prime could swell to 25 million by 2017.

If you were to carve out Amazon Prime as a stand-alone business, it would already be a billion-dollar subscription company, but that severely underestimates the value of Prime to Amazon. Like many subscription models, Amazon Prime is a Trojan horse that is expanding the list of products consumers are willing to buy from Amazon and giving the eggheads in Seattle a mountain of customer data to sift through.

“It was never about the $79,” said Vijay Ravindran, who worked on the team that launched Prime at its original price of $79 per year. “It was really about changing people’s mentality so they wouldn’t shop anywhere else.”1

According to Morningstar, the average Prime member now spends $1,224 on Amazon purchases each year, compared with $505 for non-Prime customers.2 We cannot say Prime members spend that much more just because they are members, since presumably a lot of Amazon’s best customers would have been attracted to the free shipping offer. However, this data seems to suggest that once someone becomes a Prime subscriber, they become even more loyal to Amazon. Further, Morningstar figures that after factoring in costs incurred for shipping and streaming content, the average Prime member yields Amazon $78 more per year in profits than the typical customer.

Given the positive impact Prime seems to have on customers’ buying behavior, some analysts have argued that Amazon should drop the fee for subscribing to Prime in order to grow the program even faster. But that thinking misses a key element of Amazon’s strategy. When you pay $99 per year to become a member, you want to “get your money’s worth.” Suddenly you start checking Amazon’s pricing on annuity stream adjacent to your main business, you sorts of products, from paper towels to sneakers, with hopes of “making back” what you invested in the membership. Given Amazon’s aggressive pricing and seemingly endless product selection, you can almost always find what you’re looking for at a price that’s lower than what you could find elsewhere. When you factor in free shipping, it becomes an easy decision to buy from Amazon.

Robbie Schwietzer, vice president of Amazon Prime from 2008 to 2013, summarized: “In all my years here, I don’t remember anything that has been as successful at getting customers to shop in new product lines.”3

Through Prime, Amazon is competing head-to-head with the likes of Walmart and Target. Why should you care if three heavyweights are pounding it out for market supremacy? Because as customers buy a broader and broader collection of items from Amazon, Prime is cannibalizing the business of smaller companies too.

The other day I bought a pair of New Balance running shoes from Amazon. I’ve never thought to use Amazon for buying sneakers, but since I am now a Prime member, and therefore get free shipping on shoes, I chose Amazon instead of walking down the street to my local Running Room store.

The Running Room is a small company compared to Amazon, with 100 or so locations scattered around North America. Most people would not consider Amazon a direct competitor. Yet the Running Room is now losing my shoe-buying business because of a little $99-per-year Prime subscription I bought.

Everything by Subscription

Amazon, having learned a lot about the subscription business through Prime, is now applying the subscription model to other areas of its business. AmazonFresh is a grocery delivery business Amazon has been experimenting with in its hometown of Seattle since 2007. Amazon Fresh didn’t start out as a subscription business; instead, it was open to anyone willing to pay the delivery fee of $8 to $10 to have milk, veggies, and meat brought to their door in a one- to three-hour delivery window.

AmazonFresh stayed stuck in beta in one city for six years as the company tried to work out a profitable business model. The business proved challenging, which Amazon founder Jeff Bezos seemed to acknowledge in response to a question about AmazonFresh at Amazon’s 2013 annual shareholders meeting: “They have made progress on the economics over the last year,” said Bezos.4 “They’ve been doing a lot of experiments and trying to get the right mixture of customer experience and economics. I’m optimistic that the team is making good progress.”5

In spring 2013, AmazonFresh added Los Angeles as the second city for the program. But in L.A., the Amazon Fresh offer had one stark difference: L.A.-based customers were asked to subscribe to Prime Fresh for $299 a year, which gave them free grocery delivery on orders over $35.

As with Amazon Prime, the act of subscribing spurs Prime Fresh members to buy more frequently and from a broader array of grocery categories. If I’m ordering milk anyway, a customer might reason, why not top up the order north of $35 with a case of Coke and a refill on the laundry detergent I’m about to run out of? As with Prime, the very act of sinking money into a subscription triggers the desire for the consumer to want to “get his money’s worth,” which in turn creates the kind of customer behavior Amazon wants to see. And Amazon isn’t stopping at groceries: Subscribe & Save is yet another subscription service from Amazon; you subscribe to receive regular shipments of things you frequently run out of, like dish soap and paper towels. If you sign up for five or more subscriptions that share the same delivery date, you receive 15% off the entire order.

As more consumers consolidate their buying on Amazon’s subscriptions, the competition is reacting. In the fall of 2013, Minneapolis-based Target launched Target Subscriptions, a program similar to Subscribe & Save. Not surprisingly, its first focus was on baby products like diapers and wipes—a category Amazon placed a big bet on when it paid $545 million to acquire Quidsi, the creators of Diapers.com, which itself offers a subscription for diapers that enjoyed 30% month-over-month growth in 2013.6

Amazon is known for its wins in selling to consumers—but subscriptions can work for B2B as well as B2C. One of Amazon’s latest ventures is a subscription that offers to help other companies grow their subscription businesses. Amazon Web Services (AWS) offers companies access to servers, software, and technology support on a subscription basis. Many of the world’s largest subscription companies, including Adobe, Citrix, Netflix, and Sage, use AWS, along with many of the highest-profile start-ups, like Airbnb, Pinterest, Dropbox, and Spotify.

Amazon is pioneering the subscription model in virtually every area of its business, but the subscription model is nothing new. In fact, it’s been around for quite a while.

A (Very) Short History of the Subscription Model

The history of the subscription business model dates back to the 1500s, when European map publishers would invite their customers to subscribe to future editions of their maps, which were evolving as new lands were discovered, conquered, and claimed. The geopolitical landscape was evolving, and map publishers would obtain commitments from members of the noble and academic classes to subscribe to future volumes of their maps, giving the publishers the capital they needed to plot the world’s discoveries on paper.

This model was then applied to early newspapers and magazines, dating back to the periodicals of 17th-century Europe.7 Eventually the subscription model became the standard business approach for information publishing. Readers were asked to subscribe to general interest publications, and their subscription fees, combined with advertising revenue, provided the money needed to fund the editorial product and the cost of mailing the publication to each reader. This trend continued well into the 20th century, as it was also a reliable way to get rich. Publishers like William Randolph Hearst and, more recently, Rupert Murdoch have made their initial fortunes from publishing subscription-based newspapers.

Most helpful customer reviews

5 of 5 people found the following review helpful.
If you're comfortable being uncomfortable, this book will grow your business
By David Newman
Great case studies and concrete examples of 11 different MRR business models - monthly recurring revenue.

The book gets you thinking in completely different ways about your revenues, your customers, your marketing, and most importantly - the future of your business using the subscription model.

It's both exciting and enlightening while also making you uncomfortable in 2 different ways:

1. The discomfort of changes required to make the "Automatic Customer" models work in your business, industry, and niche

2. The discomfort of NOT implementing a monthly recurring revenue model and all the potential revenue you're leaving on the table if you don't act on Warrillow's wise and balanced advice

Buy this book - read it - and then implement a few of its "uncomfortable" ideas. Your bottom line will thank you for it.

-- David Newman,
Author of Do It! Marketing: 77 Instant-Action Ideas to Boost Sales, Maximize Profits, and Crush Your Competition

41 of 41 people found the following review helpful.
A good premier into the emerging subscription economy
By Mahipal Lunia
Synopsis: Subscription Biz models are here to stay in everything from software, to content to household consumables.
The author has listed 9 specific models/approaches to take:
1. Membership Website Model: Works best in a tightly defined niche with specialized knowledge is needed
2. All you can eat library model: Evergreen content is an example. Think netflix - even the most addicted watcher could not go through it all
3. Private Club Model: Limited supply being sold to an affluent clientele. High prices, low numbers
4. Front of the line model: Different prices for different levels of service/support. works best on complex products/services.Think salesforce.com's model for how your complaints are dealt with
5.The Consumables Model: Selling products that naturally run out as a service, where ordering things can be a chore. Food, blades, vitamins etc.
6. Surprise Box Model: when you have a network that is willing to buy deeply discounted consumables from manufacturers at deep discount. The idea being some of the consumers will then order a subscription service at regular prices.
7. Simplifier Model: Its a complex word, simply the buying process and choice. Works best with an affluent consumer needing a service on an ongoing basis
8. Network Model: fixed price, and value of service grows as number of subscribers grow. Think phones
9. Peace of Mind Model: this is the insurance sale , where you pay for a peace of mind in the event you may need the service.
He closes the book out with the new math of the subscription game with concents such as Customer acquisition cost, Monthly renewal rate, Life time Value of customer, Margins and Churn.
The book is a good way to think about what models will work best in your industry / Excellent premier.
If you are in a service biz or work with technology - BUY THE BOOK to learn the new language and math of business!

What would have made it more powerful was a workbook or a step by step process to figure out which combinations of business models work best in the type of industries. Further commentary on the drawbacks of each model would have made this an invaluable text.

Mahipal Lunia
www.TheRenaissancePath.com
www,RadicalChangeGroup.com
www,MountainViewAiki.com

13 of 14 people found the following review helpful.
A must-have book for business owners
By Trevor Currie
If you've ever dreamed of starting a business or you already own one, this book is indispensable because it:

1) explains the financial and freedom rewards that come with subscription businesses;
2) provides a breakdown of the different types of subscription models and illustrates them with instructive and inspiring examples; and
3) gives us the playbook on how to market, manage and grow subscription businesses.

What sets this book apart is John Warrillow's credibility. He's done it. He successfully transformed a traditional business (sell the work/do the work) to a subscription model and then sold it. Combine this with his wealth of experience advising business owners and track record of authorship and you have the makings of a must-have book: The Automatic Customer. It has a wealth of practical and profitable ideas for business owners, whatever the existing business model.

See all 132 customer reviews...

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The Automatic Customer: Creating a Subscription Business in Any Industry, by John Warrillow PDF

The Automatic Customer: Creating a Subscription Business in Any Industry, by John Warrillow PDF

The Automatic Customer: Creating a Subscription Business in Any Industry, by John Warrillow PDF
The Automatic Customer: Creating a Subscription Business in Any Industry, by John Warrillow PDF