Buy Now, Pay Later


Book Description

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




Buy Now, Pay Later


Book Description

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




Kill Now, Pay Later


Book Description

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…




Money Like You Mean It


Book Description

“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.




Pay Now or Pay Later


Book Description

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.




The Savage Truth


Book Description

The Savage Truth is the story of Greg Savage, his stellar career in recruitment and the lessons he has learned on leadership, business and life over a career spanning four decades.The Savage Truth is a must-read for next generation leaders and lovers of business biography. It is a book in two parts. The first part covers Greg's early life - the people and events that shaped him - and follows his career path, which took him from his hometown of Cape Town around the world before settling in Sydney, Australia. He gives an honest, open, often humorous account of his experiences, which reflect how much business has changed over the past 40 years. In the second part of the book, Greg distils his learnings into guidance and advice for his successors in the recruitment industry and, more broadly, to anyone working in business. He covers topics including building a personal brand, negotiating fees and margins, people leverage, performance management, 'Savage' leadership skills and preparing for exit towards the end of your career.Throughout his fascinating career, Greg has learned countless lessons in leadership, business and in life. One of his greatest achievements is his success as a communicator. Greg is one of the most highly respected voices across the global recruitment and professional services industries, speaking regularly to audiences around the world. An early adopter of social media for recruiters, Greg's industry blog, The Savage Truth (gregsavage.com.au/the-savage-truth), is a must-read in the recruitment industry. In November 2018, he was named one of LinkedIn's 'Top Voices'.




Happy Money


Book Description

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?







Buy Now, Pay Later


Book Description

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.




A Tea Reader


Book Description

A Tea Reader contains a selection of stories that cover the spectrum of life. This anthology shares the ways that tea has changed lives through personal, intimate stories. Read of deep family moments, conquered heartbreak, and peace found in the face of loss. A Tea Reader includes stories from all types of tea people: people brought up in the tea tradition, those newly discovering it, classic writings from long-ago tea lovers and those making tea a career. Together these tales create a new image of a tea drinker. They show that tea is not simply something you drink, but it also provides quiet moments for making important decisions, a catalyst for conversation, and the energy we sometimes need to operate in our lives. The stories found in A Tea Reader cover the spectrum of life, such as the development of new friendships, beginning new careers, taking dream journeys, and essentially sharing the deep moments of life with friends and families. Whether you are a tea lover or not, here you will discover stories that speak to you and inspire you. Sit down, grab a cup, and read on.