Other people's money

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Andrew Caplin ... [et al

Housing Partnerships: A New Approach to a Market at a Crossroads proposes the development of new "Partnership Markets" that can help make millions more Americans home owners without putting them in the poorhouse. The acceptance and institutionalization of "Limited Partnerships" between prospective owners and financial institutions could assist many in attaining their long-sought goal of owning a home. Under these arrangements, would-be home owners can exercise the option of owning part of a house; the other portion would be financed with an institutional investor, who provides capital for the house in exchange for a portion of the sale price. By financing a portion of a home, buyers can devote less time to saving for a down payment, greatly reduce their expenses with smaller mortgages, and retain more of their income to spend, save, and invest. For the broader financial community, Partnership Markets would provide new opportunities for diversification into the residential real estate market. Housing Partnerships: A New Approach to a Market at a Crossroads provides the blueprints of the Housing Partnership structure and the new opportunities it furnishes home owners, while explaining the economics behind the housing and mortgage markets and the financial risks in owning a home. The book looks beyond the benefits to households and considers the concept's wider effects, including changes to the secondary mortgage market, the government's role and changes in housing policy, and the composition of assets held by institutions.

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Joshua Levine

It took three generations to build Barneys into the world's most fabulous clothing store - and less than a decade to tear it down. This book is at once a family saga, a cautionary business tale, and a superbly detailed, behind-the-scenes account of how a secondhand store founded on pluck and chutzpah grew into a glittering international retail empire, only to founder on greed and hubris. Patriarch Barney Pressman started small in 1923, but within two decades he was selling more suits than anyone in the world. By the time his son, Fred, took over in the 1960s, Barneys was a thriving institution, and Boys Town at Barneys was the site of every New York boy's clothing rite of passage. But Fred had loftier ambitions; he was never comfortable with the crass discounter image. He staked the family fortune on European fabrics and design, wound up transforming the entire world of men's fashion, and made a killing along the way. But it was Fred's sons, Gene and Bob, who really wanted it all - not just a store but a grandiose temple of ultimate chic. Instead, through extravagance, flamboyance, greed, and an arrogant disregard for sound business principles, they raced heedlessly into one of the most spectacular business flameouts in retail history.

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Linda Richardson

Sales excellence in just minutes a day from top sales trainer Linda RichardsonLinda Richardson is one of the most recognized names in sales, and an innovator who pioneered customer-focused selling. Perfect Selling distills her expertise into quick tips and techniques, providing succinct lessons in structuring and perfecting the key steps of a sales call-in just 20 minutes or less over a five-day period. It is in sales calls when you're talking with youre customers that the sales are made-or not made. Richardson takes you skillfully through the perfect sales call, from the minute the dialogue begins to closing business. This is sales excellence at its best: a concise method to win more sales and build deeper relationships which can be learned quickly on the go.

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Tom Peters

Forty-five prescriptions specify what managers at every level must do if the organizations they lead are to survive in today's chaotic economic environment.