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The Scratch Millionaire: How You Can Build Massive Wealth In 36 Months Or Less With Cash Flow Real Estate, By Monica Main When composing can alter your life, when composing can enrich you by offering much cash, why don't you try it? Are you still quite baffled of where getting the ideas? Do you still have no concept with just what you are visiting create? Currently, you will require reading The Scratch Millionaire: How You Can Build Massive Wealth In 36 Months Or Less With Cash Flow Real Estate, By Monica Main A good author is a great reader at once. You can define exactly how you write relying on what books to read. This The Scratch Millionaire: How You Can Build Massive Wealth In 36 Months Or Less With Cash Flow Real Estate, By Monica Main can assist you to solve the trouble. It can be among the best resources to develop your composing ability.
The Scratch Millionaire: How You Can Build Massive Wealth in 36 Months or Less with Cash Flow Real Estate, by Monica Main
The Scratch Millionaire is not just another “how to” book on wealth-building and real estate investing. It’s a book to help you both change your millionaire mindset while introducing you to the precise tools and steps needed to become a passive income millionaire in 36 months or less. In no other single book anywhere will you find this much power-packed information that can show you everything you need to know to get started in the exciting and highly profitable world of cash flow real estate investing. Like making muffins, biscuits or cake from scratch, anyone can use the most basic of ingredients to essentially have success from using know-how and by having the ingredients needed to make it work. This is exactly what you’ll have once you finish reading this book: the ingredients and know-how to become a passive income millionaire. In our post-depression New Economy using brand new cutting-edge strategies and techniques are required to be able to compete in our current investing and business environment. Those who are unwilling or unable to come up to speed with these competitive strategies simply won’t make it. The good news is that once you understand and start implementing these techniques, you’ll find that attaining your own success is fairly easy provided that you’re willing to follow a set of very easy doable steps. All you need is a burning desire, a willingness to succeed, and persistence to keep going until you build your wealth empire. Action, of course, is the basis of all success. You can read, learn and know everything yet get nowhere with a lack of action. Once you devour all of the strategies presented in this very rare book written by a self-made from-scratch millionaire, you’ll know everything there is to know about getting started with passive income real estate investing. Your only “requirement” is to get out there and use it. And if you do, you can become a real estate millionaire in 36 months or less.
The Scratch Millionaire: How You Can Build Massive Wealth in 36 Months or Less with Cash Flow Real Estate, by Monica Main
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3 of 4 people found the following review helpful. A disappointing mix of good and bad By Jeffrey D. Smith The Scratch Millionaire - Monica MainI purchased the $10 kindle version of this book. I read it in about a week. I have good and bad criticisms about this book.I will start with the bad criticisms.This book is poorly constructed, as if it were dictated and then poorly transcribed. Definitely no proof reading by a competent editor. There are many places which have the wrong word, yet sounds similar to the correct word, and requires re-reading the sentence several times before understanding what the author meant to write.There are also just plain wrong recommendations. For example, the author asserts that lowering the NOI will improve the property value. That's backwards. Property value is directly proportional to the NOI, and lowering the NOI lowers the value. You want to increase the NOI to improve the property value. More cash flow means more value. Makes sense, right? But the author got it backwards. Definitely no proof reading by a competent editor. Also, this is not a case of saying NOI while meaning CAP rate. If you must compress the CAP rate to increase the value, then you are definitely not creating value. You are simply looking for a greater fool with more cash than brains to buy your white elephant.As to real estate investing strategies, I ran a few of the suggested scenarios through my financial analysis spreadsheets. For example, the author recommends a 60%:40% financing structure for a nothing deal. Obtain a 60% hard money (or private money) loan amortized over 30 years with an annual interest rate not to exceed 9%. Then the seller holds a second position junior lien and note for the remaining 40% amortized over 35 years with an annual interest rate of not more than 4% (due in 3 years). Running these financing parameters produces a Capitalization rate of over 11.5%. However, when I change the first position loan to 6.25%, the CAP rate falls to about 9%, which is a much easier deal to "sell" to the motivated seller. High CAP rates are better for the buyer, low CAP rates are better for the seller. Negotiation will meet somewhere in between for a fair deal for both parties.The author writes at length about the lease-option strategy to acquire contractual control of the property without the risk of being on-title to the property. The author makes certain claims about the risks involved with a lease-option, yet doesn't know about how to circumvent those risks. For example, the master lessee (you) make payments to the lessor (the owner) and you must trust the owner to make loan payments on the existing loan. If the lessor skims the equity, then the lessee is at risk of a foreclosure and losing any equity accumulation. This is actually a non-issue. Lenders use a loan servicer or a bank collections department to receive rental payments, and then disburse those payments to the lien holders in priority order. The owner receives whatever remains, and cannot cause a default by skimming the equity.The author has another "issue" with lease-option. The owner could decide to sell the property out from under you (the lessee). This is also a non-issue, because you can require the owner to record on the property title a "Memorandum of Lease" and a "Memorandum of Option to Purchase". The memoranda "cloud" the title and prevent the conveyance of the property to a 3rd party. The lessee/optionee escrows a "release of memorandum" with the escrow agent to be recorded at conclusion of the contract. The lessor and lessee are both protected.Also, if you intend to make capital improvements to the property, then you can require the owner to record on the property title a "Performance Lien" to secure your investment. You can even hypothecate (pledge) that lien to your private financier for providing the funds for the renovations. If the owner tries to renege on the Option, then you can foreclose on the performance lien to force a sale of the property recover your investment.The author makes some claims about what the lessee (you) cannot do, because you do not own the property. For example, you cannot hold the security deposits in your own escrow account. This is nonsense. With properly structure contracts, including a limited power of attorney, you can do whatever the owner can do, and still limit your liability as a non-owner.As for the financial structure of the lease-option deal, the author has a poor suggestion. Don't even bother with it.I prefer structuring the lease-option as a combination of lease (interest) payments plus applied rent credits (principal) for incremental option consideration. For example, I suggest calculating a bid price for a 90% interest-only loan at 5% annual interest for the "lease" payments, and a 10% principal-only (i.e., 0% interest) loan for the periodic option consideration payments. Both are due in 5 years, not 3 years. The option consideration is fully paid in 5 years. By that time, you should have improved the property performance to qualify for a refinance loan to exercise your option or to sell your option to a 3rd party for a nice assignment fee for your created equity. Your memorandum of option provides sufficient seasoning of your interest in the property to qualify for a refinance loan to exercise your option to buy.My financial spreadsheets calculate the blended terms for an equivalent wrap-around loan. These parameters are likely to calculate a bid price that is near to the owner's asking price.For buying the property, I saw no mention of using a wrap-around note and All Inclusive Trust Deed (AITD), which is a great to acquire control of a property from a motivated seller.The author also claims that secondary liens on property are generally disallowed by the primary lender, which is correct. However, the author never mentions that the seller could be placed into the new Limited Liability Company (LLC) as a "preferred equity" member with the same parameters as a junior note. Thus, the primary lender has sufficient protective equity and the (former) owner is now earning a good yield on the equity, just like a junior note and lien.I offer extensive down-loadable affordable courses that focus on real estate finance, so I know what I am talking about.Now for the good criticisms.The author is bluntly truthful on the serious difficulty of working with commercial real estate brokers. I hate them, too. (When they pat you on the back, they are merely feeling for a good place to stab the dagger.) However, they control 85% to 90% of the commercial real estate market, so you must learn how to work with them. A few years ago, I allowed my real estate broker license to expire, so that I am not legally required to work through the seller's (listing) broker. I can go directly to the seller when I am having a problem with the broker presenting my offers. Brokers are required by federal and state law to present all offers, but brokers don't care.The author has an extensive chapter on property management, especially the perils of retaining a property management company (PMC). When you are just starting out, hiring a PMC is a necessity until you grow a portfolio large enough to justify creating your own PMC. If you intend to own a good size rental property portfolio, then you must start your own PMC to protect your portfolio. Until then, watch your retained PMC like a hawk. Otherwise, they will rob you blind.Finally, the author correctly asserts the huge profit potential for highly distressed properties. Just walk into dilapidated, stinky, boarded-up vacant apartment building and inhale deeply. That's the smell of money! Such properties are almost always banked-owned and sell for about 20% to 30% of the After Repositioning Value (ARV). You can triple or quadruple your investment when you know what you're doing.These deals are also available for "nothing down" by using syndication techniques (which I also teach in my down-loadable courses) to raise all cash. I teach that after repositioning and the property is stabilized and seasoned for about 6 to 12 months, then you can refinance at 70% ARV to redeem fully all of the syndication investment plus a tax-free cash out for rolling into the next project. As a syndicator, you get a fee for finding the deal, managing the project, and a percentage of ownership for cash flow and profit split. The author doesn't give attention to this strategy, because probably the book is intended for beginners.Bottom line: Don't give too much attention to the author's suggested financing structures. There are much better, safer, and more equitable ways to structure win-win deals. Instead, focus on the other parts about the real estate mentality and managing the property management company are good advice.I am glad that I didn't spend more than $10 for this book.
1 of 1 people found the following review helpful. Great info from a great mentor By Pen Name Awesome book from a great mentor. I have been a fan of Monica's for a couple years, and love her method of delivering info, and not having time for BS. This is a great book, and I should've known it would be from her other products. I will get the hardback for my nephew to aid him in financial future, as it has helped me. Thanks for sharing your knowledge with us, wish you all the best
0 of 0 people found the following review helpful. A great read. More educational information than others offer in ... By Walter J. Patterson III Powerful! Truthful! To The Point! Thorough! Those are are just some of the adjectives I use to describe this work by Ms. Monica Main. This superlative educational writing is not the first I have read on the subject of creating financial freedom using residential-commercial passive income properties, but it is in my opinion superlative. Not only does Monica lay the groundwork for the common sense reason to seek the achievement of financial freedom through passive income investing in today's economic climate where the middle class is shrinking and job security is a thing of the past, but she clearly explains and teaches the principals by which passive income properties can be acquired, improved, and maintained to provide the reader and student with financial freedom and security for life, as well as can be passed on to future generations. All possible if the reader will learn some basic principles of this type of investing and be willing to roll up their sleeves and execute based on those principles. A great read. More educational information than others offer in courses costing more than $1,000.
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As one of the book collections to suggest, this Out Of Body And Mind, By Veronica Jean has some strong factors for you to review. This book is extremely suitable with exactly what you need now. Besides, you will likewise like this book Out Of Body And Mind, By Veronica Jean to review since this is among your referred books to review. When getting something brand-new based on encounter, home entertainment, as well as various other lesson, you could utilize this publication Out Of Body And Mind, By Veronica Jean as the bridge. Beginning to have reading behavior can be gone through from various ways and also from alternative sorts of books
Out of Body and Mind, by Veronica Jean
In this New Age satire enters the cosmic out-of-body world of Eve White, a young woman caught in a web of madness, murder, and mockery of the mind. She tells of the ill-fated, mystical experiences in her childhood.
Out of Body and Mind, by Veronica JeanFrom Publishers Weekly Energetic writing and interesting background material are overshadowed in this first novel by the main character's annoying mysticism. Sentenced to 15 years in jail for killing her art teacher with a poisoned apple, Eve White spends her time writing her life story and boring fellow prisoner and lover Pup with New Age mumbo jumbo. When Eve's hometown psychiatrist, Dr. Marvin, complains about having had to listen to Eve "droning on and on like this for over a year," the reader is inclined to do likewise. Too much of the book recapitulates her sessions with Dr. Marvin, to whom Eve confides about her bizarre artistic theories, out-of-body experiences and the imaginary Sandman, who appears to her one night in a laundromat, proferring the fatal apple. Although obviously intended as satire, these meanderings sit heavily on the page. Better chapters flash back to Eve's childhood with alcoholic parents and subsequent love affairs with a string of tall, dark, bearded men, most of whom abuse her. These compelling sections describe the off-kilter lives of young people barely on the edges of the working class--high school dropouts who work low-paying jobs and play in rock bands at night. More of such grim but wacky material and less of Eve's convoluted mental meanderings might have made for an impressive debut. Copyright 1993 Reed Business Information, Inc.
From Library Journal This debut novel presents the first-person narrative of a young woman named Eve White, convicted of murdering her former art teacher, Adam Sault, with a poison apple. Eve jumps from the events in her troubling life into OBEs (out-of-body experiences), which are described in credible detail. This compelling satire of our institutions and of the normal and paranormal is suffused with a mysterious selection of characters, including an abusive father who chokes to death on a cupcake; the Sandman, who is Eve's companion on her OBEs; and a list of the baffling men in Eve's life, whom she describes aptly as "very tall, dark, bearded, horny and stupid." Jean has created an endearing character in Eve, whose unpretentious style and quick-witted action will delight readers and keep them willingly in the thrall of her enchanting imagination. This is one of those rare books you tell all your friends to read. Highly recommended.- David A. Berona, Westbrook Coll. Lib., Portland, Me.Copyright 1993 Reed Business Information, Inc.
From Kirkus Reviews A mentally deranged young woman explains how she came to commit murder--in this very fey first novel from a small-press veteran. Sentenced to 15 years for the premeditated murder of her art teacher, Adam Sault, Eve White protests from her jail cell that Adam's death by poisoned apple was merely an ``inversion'' and her crime only an innocent ``art attack.'' Stating her case in coy prose (regularly punctuated with ``I beg you...'' and ``I implore you...''), Eve tells of her traumatic childhood ruled first by an abusive father and then by an affectless stepfather; her dead-end job as oven operator at a cookie factory; the grim line of ``tall, dark, bearded, horny, and stupid'' boyfriends that led to Adam Sault; her affection for her misfit older brother, a rock musician; and her fluctuating passion for Dr. Marvin, her psychiatrist and the only nonirritating voice here. Urged by Marvin to try working through her anxiety by attending an art class, Eve instantly falls for married-but-unfaithful teacher Adam and takes to sending him unsigned poems in the mail. Finally snagging his attention one night in a bar, Eve allows herself to be invited to his studio, where he seduces her but then freaks when she reveals her unattractive webbed feet. Summarily rejected, a mortified Eve retreats to commune with the voice of her imaginary friend, The Sandman, who provides her with a basket of apples and advises her to give Adam a particular one. After Adam bites into it and dies, Eve is convicted of his murder--in spite of her flippant New Age pronouncements and ceaseless puns--insisting to the end that we are all in prison, really, but that true art has no boundaries and in any case, as a last resort, out-of-body experiences really do exist. Eve, Adam, and the tempting red apple are only a few of the in-your-face conceits in this heavy-handed fantasy. -- Copyright ©1993, Kirkus Associates, LP. All rights reserved.
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1 of 1 people found the following review helpful. Eve White By A Customer Clever book for a firt-time author. I found it very humorous, and rewarding.The meat and potaoes of this little book,I think are what keep it from being another new age tale, and sent me in to a real world. There's something conrete about this book. And yet whimsical. Hard to put down.
0 of 0 people found the following review helpful. i love this book By barb Read for yourself; this author pulled life together for me through her characters, insights, and humor. A great book, a great author !!!
0 of 1 people found the following review helpful. Even Cookie Makers get the Blues By A Customer I read this book when it first came out in the early 1990's. Jean's tale of a homicidal cookie baker/art student (Eve) who murders her art instructor (Adam) with a poisoned apple bears the onus of 60's sensibilities into the latter days of the 20th century. Art conquers what love neglects, etc. etc. Robbins did this better. There are coy references to sex, drugs, rock and roll. Unfortunately, this coy attitude permeates a book where every bit of comic invention is left hanging-out, man, and woefully self-conscious. I expected more from a book obsessed with out-of-body experiences, a murderous web-toed protagonist, and heavy-handed pun-ishment. Jean's style is not without charm. I do look forward to a new outing from this author... if she leaves some of her self-indulgent baggage in the circular file.
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By downloading this soft documents e-book Craving For My Boss: The Final Chapter (Craving For My Boss Romance Series Book 5), By Helen Page in the online link download, you are in the first action right to do. This website really offers you convenience of exactly how to obtain the best publication, from best vendor to the brand-new released e-book. You could locate a lot more e-books in this site by visiting every link that we supply. One of the collections, Craving For My Boss: The Final Chapter (Craving For My Boss Romance Series Book 5), By Helen Page is one of the most effective collections to sell. So, the very first you obtain it, the very first you will get all favorable for this book Craving For My Boss: The Final Chapter (Craving For My Boss Romance Series Book 5), By Helen Page
Craving For My Boss: The Final Chapter (Craving For My Boss Romance Series Book 5), by Helen Page
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0 of 0 people found the following review helpful. A Little Disappointed By cmbutl I liked this story, but I can't believe it just "ended". With no conclusion. Diane never told Mathew that she loved him, and after everything that had happened, he just picks her up on the side of the street, and tells her they're going on vacation. "The End." I hope there's a little bit more than what we were left with.
0 of 0 people found the following review helpful. Good By Amazon Customer I like the book except in the last one she seemed kind of selfish because Mathew was doing everything to take care of her but she was kind of being shoddy about the producer if it wasn't wrong y didn't she tell Mathew about it when he came back from out of town
0 of 0 people found the following review helpful. frustrating By Lisa May The story like line was great, could have been put in one good book versus 5 small books. Editing was horrid. Grammar and verb tense errors made the writing very poor.
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Shakespeare, Bacon And The Great Unknown, By Andrew Lang How can you transform your mind to be much more open? There many resources that can aid you to enhance your ideas. It can be from the other experiences and also story from some people. Reserve Shakespeare, Bacon And The Great Unknown, By Andrew Lang is one of the relied on sources to obtain. You can find a lot of publications that we share below in this website. And currently, we show you among the very best, the Shakespeare, Bacon And The Great Unknown, By Andrew Lang
Shakespeare, Bacon and the Great Unknown, by Andrew Lang
The theory that Francis Bacon was, in the main, the author of "Shakespeare's plays," has now been for fifty years before the learned world. Its advocates have met with less support than they had reason to expect. Their methods, their logic, and their hypotheses closely resemble those applied by many British and foreign scholars to Homer; and by critics of the very Highest School to Holy Writ. Yet the Baconian theory is universally rejected in England by the professors and historians of English literature.
Shakespeare, Bacon and the Great Unknown, by Andrew LangAbout the Author Andrew Lang (March, 31, 1844 July 20, 1912) was a Scottish writer and literary critic who is best known as a collector of folk and fairy tales. Lang s academic interests extended beyond the literary and he was a noted contributor to the fields of anthropology, folklore, psychical research, history, and classic scholarship, as well as the inspiration for the University of St. Andrew s Andrew Lang Lectures. A prolific author, Lang published more than 100 works during his career, including twelve fairy books, in which he compiled folk and fairy tales from around the world. Lang s Lilac Fairy and Red Fairy books are credited with influencing J. R. R. Tolkien, who commented on the importance of fairy stories in the modern world in his 1939 Andrew Lang Lecture On Fairy-Stories.
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0 of 0 people found the following review helpful. Pre-Oxford Bacon Yolk By B. J Robbins A history of the Baconian Heresy, through Dr. Greenwood's arguments, and Mr. Lang's counterarguments. What is surprising is that many of Greenwood's arguments about Shakespeare are still being made today by dreamers in the Oxfordian Heresy. Nothing has changed. The same false arguments, anachronistic thinking, lack of knowledge about Elizabethan times.The only thing is Baconians do not claim that Bacon was the son of Queen Elizabeth, and her lover. Bacon liked little boys.Bacon, by many estimations, was the genius, not Oxford. But not a writer of plays or even poetry. That is a big poop in the pants. Oxford wrote poems and comedies of his own for his own troupe of players. But he did not spend a lot of time in the world of theater, as most experts think the writer of Shakespeare's plays had to.The "Great Unknown" is if Bacon did not write the plays of Shakespeare, who did? Of course, not Shakespeare. He did not write the plays with his name on them, did not h ave a First Folio dedicated to him after his death by his good friends who had been mentioned in his will. No Shakespeare is TOO believable. Let's find a candidate so unbelievable that it requires a huge stretch of imagination.The controversy is thus summed up by Richard Grant White:"It is as certain that William Shakespeare wrote (after the theatrical fashion and under the theatrical conditions of his day) the plays which bear his name, as it is that Francis Bacon wrote the "Novum Organum", the "Advancement of Learning", and the "Essays". The notion that Bacon also wrote 'Titus Andronicus', `The Comedy of Errors", "Hamlet", "King Lear", and "Othello", is not worth five minutes serious consideration by any reasonable creature" (Atlantic Monthly, April, 1883).That is better than anything I can say, and it can be applied to every other candidate.
0 of 0 people found the following review helpful. Great writers for free? what's not to like? By Bacon I love Amazon! The selection that this company has is incredible! I love spending money and no money here - lol!
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Business Strategy: Managing Uncertainty, Opportunity, And Enterprise, By J.-C. Spender. Provide us 5 minutes and also we will reveal you the very best book to read today. This is it, the Business Strategy: Managing Uncertainty, Opportunity, And Enterprise, By J.-C. Spender that will certainly be your best choice for better reading book. Your five times will certainly not spend squandered by reading this internet site. You could take the book as a source to make much better concept. Referring the books Business Strategy: Managing Uncertainty, Opportunity, And Enterprise, By J.-C. Spender that can be situated with your requirements is at some point challenging. But right here, this is so easy. You could find the very best point of book Business Strategy: Managing Uncertainty, Opportunity, And Enterprise, By J.-C. Spender that you can read.
Business Strategy: Managing Uncertainty, Opportunity, and Enterprise, by J.-C. Spender
What is strategy? For many it is the application of a theory, model or framework. In this book Spender develops a different creative approach. Emphasizing that firms face uncertainties and unknowns (knowledge gaps) he argues that the core of strategic thinking and processes rests on the organization's leaders developing newly imagined solutions to the opportunities that these uncertainties open up.Drawing on a wide range of ideas from strategy, economics, entrepreneurship and philosophy he stresses the importance of judgment in strategy, and argues that a key element of the entrepreneur and executive's task is to engage chosen uncertainties, develop a language to express and explain the firm's particular business model for dealing with these, and thus create innovation and value. At the same time he shows how the language the strategist creates to do this gives the firm identity and purpose, and communicates this to its members, stakeholders, and customers.In an accessible and engaging style Spender introduces these ideas, and reviews the strategy tools currently available from consultants and academics. Throughout he stresses the uncertainties or knowledge absences that pervade business and make effective strategizing both necessary and valuable. He outlines a structured practice that managers and consultants might chose to follow, not a theory.With appendices on casework, teaching strategy, current strategy texts, and further reading this book makes an important contribution to our understanding of the field and practice of strategy, opening up new approaches for managers, consultants, strategy teachers and students.
Business Strategy: Managing Uncertainty, Opportunity, and Enterprise, by J.-C. SpenderReview "In this fascinating book, Spender integrates decades of study of uncertainty, knowledge (and lack of it), entrepreneurship, industry recipes, language, and judgment into mainstream strategic analysis. The result-a brilliant reinterpretation of strategy tools and uncertain situations. Nurtured on economic rationality, I found this a major step towards closing the gap between managerial practice and strategic theorizing." --Robert M. Grant, University of Bocconi
"For too long, strategy and entrepreneurship have been different fields. Now Spender shows entrepreneurship-not founding firms but creating value under uncertainty-to be the nub of the strategizing process, irrevocably linking them. The result is important for scholars and practitioners alike. Strategy now embraces entrepreneurship as the starting point of any explanation of superior firm performance." --Jay B. Barney, University of Utah "Business managers usually say more than they intend, so employees often interpret strategies differently and go in different directions. Spender re-examines strategizing under conditions of uncertainty, showing entrepreneurs construct special language to shape what others note and act on. He provides managers and consultants with a structured practice for value-creation." --Andrew H. Van de Ven, University of Minnesota "Fascinating - much to be learnt from the book's exposition and content. Taking Knightian uncertainty seriously, Spender's subjectivist approach is wholly novel. The entire positivist strategy oeuvre's relevance to managerial practice (and much else besides) is questioned." --Stewart Clegg, UTS Business School "Yes! Managerial rhetoric should be central to our teaching." --Peter Lorange, Lorange Institute of BusinessAbout the Author J.-C. Spender, ESADE, Universitat Ramon Llull, Visiting ProfessorJ.-C. Spender trained initially as a nuclear engineer, and worked for Rolls-Royce & Associates, IBM, and as a merchant banker. He completed his PhD in Strategic Management at the Manchester Business School, which won the 1980 Academy of Management AT Kearney Prize. This was later published as Industry Recipes (Blackwell 1989). After being on the faculty at various universities including the Cass School, York University (Toronto), UCLA, University of Glasgow, and Rutgers, J.-C. Spender retired in 2003 as Dean of the School of Technology & Business at SUNY/FIT. He is now Visiting Professor at ESADE, Universitat Ramon Llull, and in addition holds visiting positions at Lund University School of Economics and Management, Cranfield School of Management, Open University Business School, University Campus Suffolk, and International School of Management (Paris).
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4 of 4 people found the following review helpful. Masterpiece but long and repetitive By Matti Makelin I bought and read this book because it was picked out as a top book in strategy by Business & Strategy.First, I try to summarize what is said here. The book emphasizes forward-looking subjectivity, constructivism and human heterogeneity.The shift from operations to planning and further to strategy is discussed. The era of managerial capitalism aimed at efficiency, Taylor in production, Chandler in administration. During this era of managerial capitalism, "pre-WW2 writings about management ... presumed managers were completely in charge for the enterprise and knew it holistically from top to bottom". Operations research and other WW2 lessons learnt had a large impact to the use of rational planning methods. The author writes that the shift away from managerial capitalism to strategy meant a shift from seeking efficiency to seeking rent by differentiation and focusing on competition to the detriment of only internal operations. Was this really so simple - or was it so that value chain and other process methods since the 1980s and enterprise architecture platforms since the 1990s integrated positioning/differentiation with efficiency and transparency.The author is critical especially towards consultants - "the absence of progression in (their) strategic thinking in spite of the great changes to economy at large and to how business is done..." - and uses expressions such as fifty-year old concepts and retro-ware. I agree but isn't the apparent lack of progress true only in the sense that "new" strategy is still a fragmented patchwork, no holistic treatment has yet been written. But this book is an attempt.The central role of knowledge absence and epistemology to strategy is highlighted so that the author's definition of strategizing includes what some people may call insighting which I think is historically underestimated but the essence of any "new" strategy. Many strategy books such as Rumelt and Kaplan & Norton move towards planning where the most of the consultancy money lies, this moves backwards.The author defines the field of strategy as "finding a knowledge absence to plunge into", and strategizing as "the judgment of or imaginative response to what is NOT known, to the surprising, unexpected, incomplete, or illogical nature of what arises through our practice...the interplay of identity, intent and content ... analyzed to uncover and identify knowledge absences in Nature (ignorance), in each other (indeterminacy) and in ourselves (incommensurability)".And further, "strategic work addresses the knowledge absences at the interfaces between identity, intention, and context ... respond(s) to knowledge absences with relevant judgments...make(s) this all in to structured practice, a methodological view of dealing with uncertainties ...as a collaborative multi-person activity".This emphasis on imagination and surprises to the detriment of "rational man" brings entrepreneurship and dynamics to strategy.The author sees strategizing largely as knowledge management - I'd rather like to call it knowledge networking - and classifies unknowns aka knowledge absence into three categories. Ignorance is the lack of objective knowledge which is somewhere there, static, waiting for discovery. I interpreted this mostly as business intelligence. Indeterminacy means the lack of knowledge about others and their responses to our actions. I interpreted this as customer, market and competitor intelligence. This category of unknowns can be effected by, e.g., negotiating. Incommensurability means fragmentation, misfit and inability to put together different perspectives and types of knowledge into a coherent picture, because of talking past each other. The author associates data with ignorance, meaning with indeterminacy, and practice with incommensurability. These are the three types of knowing where practice is always specific, situated and unique, never general.The author emphasizes natural language and "strategic talk" as the only means to communicate and evolve the idiosyncratic and unique character of the business model, as recently enabled by social media. He (at least indirectly) seems to criticize consultants and tools on putting the ease of use over analytic power. But many consultants like me are big fans of good visualizations, worth thousands of words, and dislike prose. Paradoxically the book follows its own line of reasoning by curly natural language and should have more structure and less text in it.Near the end of the book the author characterizes it as a "supermarket of ideas". Instead of wanting to tell everything the book would be more useful in practice if edited. The author seems to know (because he writes) that the book is partly repetitive, to the extent that it is in some places even (subjectively) boring, but not at all difficult to read for non-English like me.To conclude, the book points towards new strategy which is about people, dynamics and entrepreneurship, and it is an ambitious summary of the history and tools of strategy. To my mind the long and repetitive style does not decrease the value of the book but requires that you really want to read it. I wonder how many business managers have the required time and patience, maybe some of them need a middleman or an interpreter for the purpose.
3 of 3 people found the following review helpful. One of our best business books for 2014 By strategy+business In Business Strategy: Managing Uncertainty, Opportunity, and Enterprise, J.-C. Spender takes what he calls the "entrepreneurial" path to corporate growth and market response. To the peripatetic business professor and retired dean of the School of Business & Technology at SUNY/Fashion Institute of Technology, strategy is the product of executive imagination and judgment, not just logic; the strategy process involves balancing the known, the unknown, and the unknowable. The purpose of strategic analyses, frameworks, and methods is to inspire inventiveness and inform judgment.Spender arrives at this position by comparing the quantitative planning techniques popular in organizations after World War II--which were mostly developed by the military during the war--with the more subjective, less rigid strategic methodologies that appeared in the 1980s and that are now widespread in the business world. In the earlier era, the dominant idea was to match a firm's resources to the market's demands. The company's business model was tailored to customer needs, suppliers' offerings, labor availability, logistics, and the like. If a mismatch occurred, the resulting inefficiencies would reduce profit and threaten the firm's survival.By contrast, explains Spender, the modern strategy process must be a much more forward-looking activity, because efficiency is no longer enough to deliver a decisive strategic advantage in many industries; instead, a so-called monopoly-based strategic advantage is needed. He cites Apple's dominance of the tablet business to illustrate the overwhelming necessity of innovation as a means of securing sustainable, above-normal profits, "especially where the `windows of competitive advantage' seem to be opening and closing with increasing speed."Business Strategy does an extremely thorough job of surveying the consulting tools and academic economic models and theories available to corporate strategists. The book describes in some detail the salient facets of the most essential methodologies and concepts, including SWOT, Porter's five forces, the experience curve, the balanced scorecard, the value chain, horizontal and vertical integration, and more. But again and again, Spender returns to the notion that companies must avoid letting these tools stymie their flexibility by over-objectifying decision making. Ultimately, he argues, added value stems from the strategist's choices--the entrepreneur's imagination and judgment--not from reams of analysis or data-based conclusions.By way of example, Spender compares two strategic milestones: IBM's decision in the 1940s to turn down the patents and processes for electrophotography developed by Chester Carlson, which became the basis of the Xerox machine, and Intel's ceding of the DRAM market to low-cost Japanese competitors in the 1980s in order to focus on microprocessors. Based on market conditions at the time, IBM believed the customer base for electrophotography was too small and chose to sit on the sidelines; Intel, meanwhile, decided it could build a monopolistic position in microprocessors when neither the market potential nor the manufacturing challenges were well understood. In Spender's view, IBM hewed to the safety of the known to its detriment, whereas Intel rode the wave of strategic risk by using data analyses as the basis of a calculated leap into the unknown and unknowable.Spender devotes a chapter in the book to the role of executives in communicating the organization's strategy to employees so that it is effectively executed. And although he delves deeply into a variety of techniques for disseminating a company's strategic program (rhetorical, formal and informal, group and individual), he concedes that if successful strategies--and, indeed, successful companies--are built on imagination, motivating people to collaborate requires equally inspired approaches. As Spender advises: "The rhetorical practice that shapes the creative actions of others is precisely what makes the modern firm possible."Executives will ignore at their peril the fundamental message of Business Strategy: Once-popular mechanistic planning methodologies no longer work; they have been replaced by innovation-based models that demand flexibility and creativity. A choice to use anything less, Spender argues, is the precursor of corporate atrophy.
1 of 1 people found the following review helpful. The book is broad and gives an overview of different ... By Ismar Tuzovic The book is broad and gives an overview of different approaches to strategy by practitioners and consultants. However it is more of s critique of these methods and doesn't always explain well what the methods are used for or how they came about so I often found I had to look up separately the topic before I could understand the criticism. The book is also repetitive and the style is rough. It feels as if the audience is strategy scholars and/or practitioners with lots of experience in the field who also have patience to stick with the style... otherwise it is hard to follow.
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0 of 0 people found the following review helpful. Not your typical sunshine & roses story but.... By Sandy C I disagree with the other reviewer on this one. Granted this was not your typical sunshine & roses story but I really enjoyed it, if enjoy is the right word. I thought it was real in a way that most stories are not. The main character was looking inside herself & asking herself deep, honest questions & looking for deep, honest answers & accepting within herself the answers that she found. There is something beautiful in that (pardon the pun but it works here).
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God's Just Trying to Get the Juice Out!: A Kingdom View of Trials of Many Kinds, by Demetrius Robinson
Deep within God's word lays a mystery that has been hidden. It is the truth of God's word that triumphantly declares that all things work together for good to those that love Him. It is God's hand at work weaving together incidents and accidents into a beautiful tapestry for those you encounter in life.
God's Just Trying to Get the Juice Out! presents the awesome plan of God and reveals his mighty hands in everything that you face in life. Each chapter traces a divine theme that is woven throughout the Scriptures. When looked at together, they offer an extraordinary kingdom view of tests and trials of many kinds. The content of this book has the potential to forever change your view of life and our magnificent and awe-inspiring God. God's Just Trying to Get the Juice Out!: A Kingdom View of Trials of Many Kinds, by Demetrius RobinsonAbout the Author
Demetrius Robinson is an anointed preacher of God's word and a frequent speaker nationally and internationally. He is an author, businessman, and civic leader. He is member of Ruach Covenant Church International in Chicago, which is also where he and his family reside.
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1 of 1 people found the following review helpful. Awesome Book!!! A must read By rob 45 Probably the best book that I have read this year. Very easy to read but packed with knowledge and Godly insight. Can't wait for the next installment
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Is your Alexa score too high? Not getting the sponsored posts and media attention you want? The problem may be your Alexa score! The truth is that your Alexa score plays a vital role in whether you land that gig or get the attention you want, but it’s something people don’t talk about… Your blog could have the best content on the planet, but with a score of 1 million or more, most companies won’t even bother. In fact, I’ve personally been told by sponsors, they won’t even work with someone over 100,000 Alexa score! You may think your Alexa score is just some random number put in a hat of all other numbers of the blogs that exist online. While there is some truth to that, our sites ARE indeed judged on how popular we are, but you CAN ALSO help aid in lowering your Alexa score!! There are certain tricks and tips that I’ve discovered by plain ol’ fashioned trial and error and a boatload of research. On Dec 4, 2013, as a brand new blogger, my Alexa score was at a whopping 16,520,410. Just a few short months later, by February 1, 2014, it was at a cool 367,728 and dropping drastically every day. A little over a year later, I was at 61,726 and have remained around that range ever since! Wanna know how I dropped 16,152,682 points in a hair under 2 months and how I consistently stay under 80,000 since I started blogging? This book is complete with everything you need to know to drastically improve your Alexa score including 4 never heard of game-changing tricks that will drop your score faster than you will believe is possible!
How to Boost Your Alexa Score Organically, by Sarah Titus
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Balancing the Christian Life, by Deonta Williams
Is it black or is it white? Is it all the way to the left or all the way to the right? God requires for those of us in Christendom to walk and live a balanced life. Deonta Williams takes the time to tell us about the grey areas of balance. He is transparent and heartfelt when he shares his life of “extreme” Christianity. He shares where he missed it and what it took for him to get back to the place of living a life of balance. Are you the person seeking to have balance in the area of faith? Its’ not about rules or rituals, living from one extreme to the next. In this book the author helps us to get to the middle ground, the area of grey…the place of balance in our Christian walk.
Balancing the Christian Life, by Deonta Williams
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1 of 1 people found the following review helpful. excellent and challenging. By Anonymous i have this book and it really changed my perspective on the American Church! I love the authors viewpoints and balance tips at the end of each chapter. i recommend this book to any and everyone!
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By soft data of guide Finding His Footprints In The Sand: God's Grace To Women In An Ungracious World (Morgan James Faith), By Erica S. Kim to read, you might not need to bring the thick prints anywhere you go. Whenever you have eager to check out Finding His Footprints In The Sand: God's Grace To Women In An Ungracious World (Morgan James Faith), By Erica S. Kim, you can open your kitchen appliance to review this e-book Finding His Footprints In The Sand: God's Grace To Women In An Ungracious World (Morgan James Faith), By Erica S. Kim in soft data system. So very easy as well as fast! Reviewing the soft data e-book Finding His Footprints In The Sand: God's Grace To Women In An Ungracious World (Morgan James Faith), By Erica S. Kim will certainly provide you easy way to review. It can additionally be much faster due to the fact that you could read your e-book Finding His Footprints In The Sand: God's Grace To Women In An Ungracious World (Morgan James Faith), By Erica S. Kim almost everywhere you really want. This on the internet Finding His Footprints In The Sand: God's Grace To Women In An Ungracious World (Morgan James Faith), By Erica S. Kim could be a referred e-book that you can appreciate the remedy of life.
Finding His Footprints in the Sand: God's Grace to Women in an Ungracious World (Morgan James Faith), by Erica S. Kim
A defining moment. Perhaps you’ve had one, an experience that explains who you are today.
God had a defining moment. His Son died on the cross for our sins, changing history and his relationship with mankind. Still, his forgiveness, love and sacrifice are concepts unfamiliar to much of the world. Ignorant of such grace, society bombards us with the daily temptation to measure up or perform. When we fail to achieve the desired results, we struggle to feel God’s grace. This is especially true when life hits us hard through tragedy, unfortunate events and prolonged suffering---we question; we wonder; we misunderstand his amazing grace. This can cause us to battle shame, self-doubt and bitterness.
When dark times come, are you able to find strength in God’s grace?
Do you defeat insecurity, lack of self-worth and guilt through your view of grace?
Have you seen your Lord’s footprints in the sand when you look back at the most difficult times in your life?
Do your struggles and disappointments bring you to a deeper understanding of his grace?
In "Footprints in the Sand: God’s Grace to Women in an Ungracious World", Erica Kim starts with a defining moment in her personal life---the tragic death of her mother---to describe her journey to rediscover God’s grace.
Through poignant true-life stories and teachings about women in the Bible, you will be led from the book of Genesis to the cross to see without a doubt how God has carried each one of us in his arms through every dark and hopeless moment to help you to experience fulfillment and spiritual growth.
Finding His Footprints in the Sand: God's Grace to Women in an Ungracious World (Morgan James Faith), by Erica S. KimReview "Using a woman named Erica Kim, God has spoken to my own woman’s heart about His unconditional love and acceptance for me. Oh, I know about that love and acceptance---have known it and experienced it for years. But Footprints in the Sand is an emotional and visual reminder of this great truth, taking it deeper into the reader’s heart, where it can “become flesh” and change the way we think and live. This is a powerful study for women at any stage of their walk with Christ. Highly recommended!" ---Kathi Macias, award-winning author of more than 40 books, including "Mothers of the Bible Speak to Mothers of Today"
"Mrs. Kim correctly zeroes in on grace as the foundational basis and sustaining power in our relationship with God. With each scriptural example, she moves the reader off a treadmill of performance and onto the freedom of living under the warm glow of unmerited favor. Finding His Footprints in the Sand offers hope to anyone that struggles with being “good enough” for God." ---Julie Zine Coleman, author of "Unexpected Love: God’s Heart Revealed through Jesus’ Conversations with Women"
About the Author Erica S. Kim is a published author and dynamic speaker. She served as a missionary for almost 20 years on three different continents and speaks to many audiences about her life experiences, marriage, parenting, and grace. She is an elder’s wife and women’s ministry leader, counseling marriages and families. Erica has also written, “Open My Eyes Lord.” Erica has been married for 30 years and has three grown daughters.
Excerpt. © Reprinted by permission. All rights reserved. This Ungracious World
On February 8, 1988 while living in San Francisco, I received a phone call from my father, who was living in New Jersey at the time. “Your mother killed herself. I found her dead today,” he said in almost a whisper. As soon as he finished his sentence, I crumpled to the kitchen floor. I wailed so loudly that my 15-month-old baby, Miyoko, who had been playing in her room, came running and began to stroke my head as if I was the baby, and not her. Cradling the phone that was attached to the wall, my body heaved as I wept and wept. After a few minutes passed, my father said, “Come home.” What came out of my mouth following his words surprised me. “It’s your fault,” I replied while weeping. “Did you hear me? You did this to her.” The phone clicked as my father hung up.
In my grief and pain, I blamed my father. I was alone with my daughter and held her as I continued to cry for another hour before picking up the phone to leave a message for my husband who had flown to Japan early that morning. My mind raced in different directions. I was four months pregnant with our second child and had been frantically trying to contact my mother all day, since I had begun to spot that morning. My mother was a nurse, so I wanted her advice. The next day, in spite of being in a fog of grief, I made an emergency appointment to see my obstetrician. During my appointment, the doctor told me that if I got on a plane, I would probably lose the baby. I didn’t care anymore. I wanted to go home.
Many of us have experienced tragedy, abuse, and different forms of suffering, often in ways that are unique to us as women. God looks at each of us and knows our pain and feels each one of those scars. Even though we are Christians, when faced with crisis, our first response is too often not one of grace but rather a desire to lash out and blame others. Other times, we run away, withdrawing from even those who love us most. It is during these kinds of times that we see how much grace we lack in our lives and how much more we need to understand it, both for ourselves and towards others.
Jesus never lashed out from the cross. He endured a deep agony that we may never have to undergo during our lifetime just so we would not have to suffer eternally. It is through his life and attitude that we are taught how to respond in the most difficult times. Even though my general nature is to be easily forgiving towards others, I was not prepared for my response in times of grief. I saw that my faith and my heart were not strong enough to endure and to respond with the kind of grace that Jesus had shown me. I fell short with my father who was already torn up by his own feelings guilt. I reacted badly towards him and towards others during the hardest times in my life.
The reality is that we live in an ungracious world. For this reason, our upbringing and our past experiences have imprinted certain reactions and natural responses in each one of us. We often respond in ways that we have seen others do. It is said that most of us have lived with some type of dysfunctionality in our upbringing. Those memories can impact us more than God’s love.
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0 of 0 people found the following review helpful. Whether you've been a Christian for many years or are ... By J. Ehrle Whether you've been a Christian for many years or are just starting out on your journey with God, this book is very inspirational and impacting! I personally have been going through a very challenging time in my life and this book has really been helping me to have the faith to overcome the obstacles that are in front of me and to truly understand God's grace. It is a must read!
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Recollections and Private Memoirs of Washington, by George Washington Parke Custis, Benson John Lossing, Mary Randolph Custis Lee
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Recollections and Private Memoirs of Washington, by George Washington Parke Custis, Benson John Lossing, Mary Randolph Custis LeeAbout the Author Benson J. Lossing (1813-1891) was the author of many books, including 1776, or the War of Independence, The Pictorial Field-Book of the Revolution, The Pictorial Field-Book of the War of 1812, Empire State: A Compendious History of New York, and The Hudson: From Wilderness to Sea.
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3 of 4 people found the following review helpful. Good For Reference By Kae See This is great for a reference but don't try and read it straight through without wanting to run screaming from the room. Written in true flowery early Victorian style it is often hard to read for more than a few pages at a time. There is very little of Martha Washington mentioned at all which is a disapointment. The author also has a very rose coloured view of his family, but then again don't we all?
0 of 0 people found the following review helpful. Five Stars By Ruth Kreer Someone should have proof read before putting out for Kindle use
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The Russian's Captive 2, by Cherry Black
He took her captive. She stole his heart . . . When the ice-cold Niko Volodin disobeyed orders and left his beautiful curvy hostage Zoe alive, he vowed never to return. No matter how much she craves his rough touch, Zoe doesn’t belong to the violent world of the Russian Mafia. But when the police come sniffing, Zoe braves the dark kink of New York’s most notorious sex club to bring Niko a warning. He knows he should let her go, but Zoe tempts the icy Siberian like no other woman, and his legendary control is crumbling. Will Niko let his one-time captive return to her own world, or will he claim her for his own? Reader Advisory: This is a 6,000 word dark romance about the Russian Mafia. It contains explicit scenes of bdsm, dominance, submission, unprotected sex, violence, dark kink and taboo acts. For adults only.
The Russian's Captive 2, by Cherry Black
Most helpful customer reviews
1 of 1 people found the following review helpful. LOVED By Bre Cherry Black does it again! It picks up right were book one left off. The story is a fast read and it's a very well written story. I loved how well the characters were developed and I can't wait to read the next book in this series.
1 of 1 people found the following review helpful. Another great read, but expensive for book length By Raymis Would have given this book a five star, but I just wish it was longer. $2.99 for a short read can turn expensive. Although I love her writing and I the story lines, he price is a bit high.
0 of 0 people found the following review helpful. No substance By VeteranWife04 In the first book, there was some potential but this book is lacking. It should've been part of the first story instead of being a separate book. Now that Zoe has had a taste of the darker side with Niko and he didn't kill her, she feels the need to protect him.Aside from the sex scene, which seems to be about 65% of the book, there's really nothing to the story. Zoe goes to the sex club looking for Niko to warn him about the detective and ends up having sex with him in front of his "brigade". At one point, one of the men holds her wrists for Niko and there's a small scene where another women is involved.There is just no substance to warrant a separate second book when this could've been just one book with more in depth characters and with an actual plot.I was hoping for something more but, I'm tired of the 20-something virginal maidens that somehow end up being in the "wrong place, wrong time"If you're reading books just to read them and not waste your KU subscription then disregard this review. If you're a serious reader looking fir a book to hold your attention and keep you glued, this isn't the book for you.
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