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The reach of corporations into our lives via cards and apps has never been greater; many of us rarely use cash these days. But what we're told is a natural and inevitable move is the work of powerful interests. And the great battle of our time is the battle for ownership of the digital footprints that make up our lives. In Cloudmoney, Brett Scott tells an urgent and revelatory story about how the fusion of big finance and tech requires 'cloudmoney'—digital money underpinned by the banking sector—to replace physical cash. 

The Internet and smartphone are just the latest in a 250-year-long cycle of disruption that has continuously changed the way we live, the way we work, and the way we interact. The coming Augmented Age, however, promises a level of disruption, behavioral shifts, and changes that are unparalleled. While consumers today are camping outside of an Apple store waiting to be one of the first to score a new Apple Watch or iPhone, the next generation of wearables will be able to predict if we're likely to have a heart attack and recommend a course of action.

Humanity has been brought to the brink of extinction. Each night, the world is overrun by demons - bloodthirsty creatures of nightmare that have been hunting and killing humanity for over 300 years. A scant few hamlets and half-starved city-states are all that remain of a once proud civilization, and it is only by hiding behind wards, ancient symbols with the power to repel the demons, that they survive. A handful of Messengers brave the night to keep the lines of communication open between the increasingly isolated populace.

Built from the skulls of fallen generals and demon princes, it is a seat of honor and ancient, powerful magic, keeping the demon corelings at bay. From atop the throne, Ahmann Jardir was meant to conquer the known world, forging its isolated peoples into a unified army to rise up and end the demon war once and for all. But Arlen Bales, the Warded Man, stood against this course, challenging Jardir to a duel he could not in honor refuse. 

Humanity has been brought to the brink of extinction. Each night, the world is overrun by demons - bloodthirsty creatures of nightmare that have been hunting the surface for over 300 years. A scant few hamlets and half-starved city-states are all that remain of a once proud civilization, and it is only by hiding behind wards, ancient symbols with the power to repel the demons, that they survive. A handful of Messengers brave the night to keep the lines of communication open between the increasingly isolated populace. 

Humanity has been brought to the brink of extinction. Each night, the world is overrun by demons - bloodthirsty creatures of nightmare that have been hunting the surface for over 300 years. A scant few hamlets and half-starved city-states are all that remain of a once proud civilization, and it is only by hiding behind wards, ancient symbols with the power to repel the demons, that they survive. A handful of Messengers brave the night to keep the lines of communication open between the increasingly isolated populace.

Each night, the world is overrun by bloodthirsty demons. For centuries, humanity survived only by hiding behind defensive wards - magical symbols with the power to repel the demons. Now, the rediscovery of long-forgotten combat wards has given them the magic they need to fight back. In Tibbet’s Brook, the fighting wards have brought change, but the factions and grudges of a troubled past remain. Selia Square, the woman they call Barren, has long been the force that holds the Brook together. As a terrifying new threat emerges, she rallies her people once again.

Built from the skulls of fallen generals and demon princes, it is a seat of honor and ancient, powerful magic, keeping the demon corelings at bay. From atop the throne, Ahmann Jardir was meant to conquer the known world, forging its isolated peoples into a unified army to rise up and end the demon war once and for all. But Arlen Bales, the Warded Man, stood against this course, challenging Jardir to a duel he could not in honor refuse.

The Skull Throne of Krasia stands empty. Built from the skulls of fallen generals and demon princes, it is a seat of honor and ancient, powerful magic, keeping the demon corelings at bay. From atop the throne, Ahmann Jardir was meant to conquer the known world, forging its isolated peoples into a unified army to rise up and end the demon war once and for all. But Arlen Bales, the Warded Man, stood against this course, challenging Jardir to a duel he could not in honor refuse. 

Mankind has ceded the night to the corelings, demons that rise up out of the ground each day at dusk, killing and destroying at will until dawn, when the sun banishes them back to the Core. As darkness falls, the world’s few surviving humans hide behind magical wards, praying the magic can see them through another night. As years pass, the distances between each tiny village seem longer and longer. It seems nothing can harm the corelings, or bring humanity back together.

Mankind has ceded the night to the corelings, demons that rise up out of the ground each day at dusk, killing and destroying at will until dawn, when the sun banishes them back to the Core. As darkness falls, the world’s few surviving humans hide behind magical wards, praying the magic can see them through another night. As years pass, the distances between each tiny village seem longer and longer. It seems nothing can harm the corelings, or bring humanity back together.

Welcome to the "Financial Advisors Advantage" podcast, a specialized and dynamic audio experience designed exclusively for financial advisors and planners seeking to revolutionize their practices. Hosted by Brett McDonell, a seasoned mortgage loan officer with a distinguished track record, this podcast delves into the core of what makes a successful financial advisor in today's competitive landscape. Why Listen to Financial Advisors Advantage? Unique and Actionable Insights: Each episode is packed with innovative strategies and real-world advice, stemming from Brett's extensive experience and ...

You’ve already built a seven-figure business. So why does marketing still feel uncertain? Reaching this level proves your product works and your execution is strong. Yet growth has slowed. Margins feel tighter. You are spending more on marketing without clear visibility into what is actually...

In the grand tradition of George R.R. Martin and Robert Jordan, Sunday Times bestselling author Peter V. Brett continues his critically acclaimed Demon Cycle with the next dramatic instalment: THE SKULL THRONE. The Skull Throne of Krasia stands empty. Built from the skulls of fallen generals and...

"Nunca confie em alguém que não arrisca a própria pele", diz Taleb. Por que não devemos escutar pessoas que só falam em vez de agir? Por que empresas entram em falência? Por que existem mais escravos hoje do que nos tempos romanos? Por que impor a democracia em outros países nunca funciona? A resposta: muitas das pessoas que estão no comando do mundo não arriscam a própria pele.

Sherlock Holmes und sein Chronist Dr. John H. Watson erreicht ein Hilferuf aus Barcelona. Der Baumeister Antoni Gaudi befürchtet, dass jemand den Bau seiner Basilika sabotieren will. Erst waren es nur harmlose Einbrüche, doch dann geschieht ein Mord. Was steckt hinter all dem?

Charles Paris is his own worst enemy, a louche lush who can resist anything except temptation – especially in the form of women and alcohol. He’s been out of work so long now he feels he may never get a job and he’s driving Frances, his semi-ex-wife, mad. So when he’s offered a small...

For time out of mind, bloodthirsty demons have stalked the night, culling the human race to scattered remnants dependent on half-forgotten magics to protect them. Then two heroes arose - men as close as brothers, yet divided by bitter betrayal. Arlen Bales became known as the Warded Man, tattooed head to toe with powerful magic symbols that enable him to fight demons in hand-to-hand combat - and emerge victorious.

Charles Paris is, as ever, waiting for a phone call from his agent, and is driven to painting and decorating to make ends meet. A rare evening out at a high-profile restaurant among stars of stage and screen promises a break in the depressing routine. But when the restaurant’s handsome, temperamental chef is brutally murdered, Charles finds himself drawn into the ensuing investigation. At first it seems an open and shut case: the chef’s

Charles is out of work again, and to make matters worse his mother has come to stay and he's no way of escaping her. So when he's offered some voiceover work by old friend, Hugo, he's delighted to get out of the house. But Hugo's marriage is in trouble: his much younger wife, Ellie, spends all...