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Owen Calloway: Broke No More

Broke No More

The Hidden Psychology Behind Your Financial Behavior - Break the Patterns Keeping You Broke and Rewire Your Money Mindset

Finanzielle Gewalt kommt nicht mit geballter Faust, sondern auch im Anzug daher, leise und schleichend. Sie trifft die Kassiererin genauso wie die verbeamtete Lehrerin - und die meisten Betroffenen haben kein Wort für das, was ihnen geschieht. Dieses Buch gibt ihnen dieses Wort. Und einen Plan: wie Frauen Schritt für Schritt finanziell unabhängig werden, in jeder Lebensphase.
 
Es beginnt mit einem Satz, der sich anfühlt wie Fürsorge: "Lass mal, ich kümmere mich darum". Um die Steuererklärung. Die Versicherungen. Die Konten. Irgendwann um alles. Banken und Notare unterstützen diese Strukturen, ohne sie zu hinterfragen. Und irgendwann merkt sie nicht mehr, dass sie keinen Überblick hat - weil sie nie einen hatte. 
Finanzielle Abhängigkeit ist kein Randphänomen, die Zahlen zeigen: Sie ist der Normalfall - in prekären wie in gut situierten Verhältnissen. Und manchmal wird aus Abhängigkeit Kontrolle. Dieses Buch zeigt, wie Abhängigkeit entsteht und gibt konkrete Werkzeuge an die Hand: zur Vorsorge, zur fairen Gestaltung einer Beziehung und, wenn es sein muss, zur Vorbereitung des Ausstiegs. 
Ein Buch für alle Frauen, die wissen wollen, wo sie stehen. Bevor sie es müssen.
Dieses Buch stärkt Frauen, indem es:
¿ klar einordnet: Wann wird aus Ungleichheit Abhängigkeit - und ab wann daraus Gewalt?
¿ Mut macht: wahre Geschichten von Frauen, die in der Falle saßen, und von Frauen, die den Weg hinaus gefunden haben
¿ ins Handeln bringt: Kassensturz, eigenes Konto, Notfallmappe, Sparen mit System, Geldanlage ohne Angst, Gehaltsverhandlung, Altersvorsorge im eigenen Namen
¿ die Partnerschaft stärkt: wie Paare offen über Geld sprechen, Care-Arbeit fair ausgleichen und Verträge auf Augenhöhe schließen
¿ schützt: vor den großen Fallen bei Bürgschaften, Immobilien und Eheverträgen und mit einem klaren Fahrplan für den Ernstfall
¿ praktische Werkzeuge bietet: Jedes Kapitel endet mit einem konkreten nächsten Schritt, der sich in einer Woche umsetzen lässt.

Finanzielle Gewalt erkennen, Unabhängigkeit aufbauen, Selbstbestimmung sichern

Er zahlt, sie zahlt drauf

A practical, clever, down-to-earth guide to making decisions big or small, fast—from writer, journalist, and nationally acclaimed decision coach Nell McShane Wulfhart. We are drowning in choices—from major life decisions like whether to move, marry, or change careers, to relentless daily dilemmas about what to wear, eat, say, or do. In a world that glorifies optimization and “smart” choices, we’ve wound up paralyzed, deferring, deliberating, and overthinking to the point of exhaustion.&nbsp; Decision-making has become a source of stress instead of empowerment. Nell McShane Wulfhart is here to change that. In Decide in an Hour, she tackles the epidemic of indecision head-on and offers readers a lifeline: the tools to make better choices quickly, without feeling guilty, spiraling, or second-guessing. In this book, Wulfhart teaches us how to: <ul><li>identify the decision we’re actually making (a shockingly common obstacle)</li><li>eliminate noise and make the call—fast</li><li>follow through with confidence, even when others disagree</li><li>make the most common major life choices (career, relationships, kids, where to live) through the use of a decision-making field guide</li></ul> Equal parts wise, warm, and no-nonsense, Decide in an Hour offers clarity and momentum for how to start making smart, confident decisions today.

A practical, clever, down-to-earth guide to making decisions big or small, fast—from writer, journalist, and nationally acclaimed decision coach Nell McShane Wulfhart. We are drowning in choices—from major life decisions like whether to move, marry, or change careers, to relentless daily dilemmas about what to wear, eat, say, or do. In a world that glorifies optimization and “smart” choices, we’ve wound up paralyzed, deferring, deliberating, and overthinking to the point of exhaustion.&nbsp; Decision-making has become a source of stress instead of empowerment. Nell McShane Wulfhart is here to change that. In Decide in an Hour, she tackles the epidemic of indecision head-on and offers readers a lifeline: the tools to make better choices quickly, without feeling guilty, spiraling, or second-guessing. In this book, Wulfhart teaches us how to: <ul><li>identify the decision we’re actually making (a shockingly common obstacle)</li><li>eliminate noise and make the call—fast</li><li>follow through with confidence, even when others disagree</li><li>make the most common major life choices (career, relationships, kids, where to live) through the use of a decision-making field guide</li></ul> Equal parts wise, warm, and no-nonsense, Decide in an Hour offers clarity and momentum for how to start making smart, confident decisions today.

The Handbook for Making Better Decisions Faster

Decide in an Hour

Uncover the psychological shortcuts that shape every decision you make - and learn how to use them in business. Voted #1 in the BBH World Cup of Advertising Books Winner of the Sales and Marketing Category at the Business Book Awards Before you can influence decisions, you need to understand what drives them. The Choice Factory is an essential read for anyone who wants to learn. By observing a typical day of decision-making, from trivial food choices to significant work-place moves, behavioural science expert Richard Shotton investigates how our behaviour is shaped by psychological shortcuts. With a clear focus on the marketing potential of knowing what makes us tick, he draws on evidence from academia, real-life ad campaigns and his own original research. Entertaining and highly accessible, The Choice Factory is made up of 25 short chapters, each addressing a cognitive bias and outlining simple ways to apply it to your own marketing challenges. Shotton interviews some of the smartest and most influential thinkers in advertising, including Rory Sutherland, Lucy Jameson and Mark Earls. Covering everything from priming to the pratfall effect, charm pricing to the curse of knowledge, with The Choice Factory as your guide it has never been easier to apply the science of behavioural economics to marketing. 'Actionable, memorable and powerful' - Seth Godin, bestselling author of This is Marketing Now part of the Harriman House Essentials Collection, a series showcasing the very best of business and finance books.

Harriman House Essentials

The Choice Factory

A practical method, backed by peer-reviewed research, for reimagining work to create your most distinctive, creative, energetic, and relatable professional self.In far too many organizations, the idea of bringing your 'full self' to the job is a liability.Emotion beyond enthusiasm for the task at hand is deemed unprofessional. Personal identity must be compressed into a carefully curated bio: relatable yet inoffensive.When people are conditioned to flatten the full social and emotional complexities of themselves, spirits dull and progress stalls, in life and in the workplace.But for a growing number of people, especially younger generations, this form of workplace culture no longer works. Surveys show that fewer individuals are willing to sacrifice their time and quality of life for a career, let alone an organization. With an increased focus on purpose, meaning, and mental health, many refuse to scrub their emotions, or the full range of their identities, to keep their professional lives separate.At the same time, in more progressive settings, the encouragement to bring people's full selves to work has sometimes unleashed more authenticity and personal revelation than managers and teams know how to handle.So how do we get it right?Lively and accessible, Human Mode features vibrant stories, expert insights, evidence-based techniques, and 'ah-ha' takeaways you can use immediately.Discover how to engage your inherent superpower - being immensely human - to unlock progress, connection, and achievement in your working life.

Unlock Your Unique Edge and Transform Your World of Work

Human Mode

Cinema Cultures in Contact

A free ebook version of this title is available through Luminos, University of California Press's Open Access publishing program. Visit www.luminosoa.org to learn more. This wide-ranging intellectual and media history traces China's emergence as a modern state in which boundaries blur between art and design, education and psychological conditioning. Tracking the parallel development of set design and social engineering from the 1920s to the 1960s, Background Matters examines the concept of huanjing (environment), a neologism introduced at the turn of the twentieth century that evoked heated intellectual debates and inspired frenzied aesthetic experimentation. Weihong Bao shows how efforts to reshape the mind consolidated the idea and art of environment by advancing a new theoretical notion of set design: both as aesthetic organization across film, theater, radio, and television and as social experimentation in worldmaking across geopolitical and transnational contexts. Inventive and breathtaking in scope, this book radically rethinks environment not as an external object but as the nexus of mind, medium, and society.

Set and Design, Mind and Environment

Background Matters: Volume 9

'Shane is the Indiana Jones of the running world' - Damian Hall, ultra marathon runner Rejuvenate your mindset and unlock your running potential In The Lost Art of Running, Shane Benzie discovered how reconnecting with the human body can revolutionise our running and how we live our lives. Moving his focus from our 'hardware' to our 'software', he now embarks on a journey to illuminate the secrets of the human mind. Shane once again travels the globe in search of answers, discovering the minds and techniques of individuals who push the extreme limits of human performance. He meets big wave surfers and free solo climbers, observes ultra-runners crossing the mountain ranges of Kyrgyzstan, seeks wisdoms from Buddhist monks in Myanmar and even swims with orcas in the freezing depths of the Norwegian fjords. Along the way, he will introduce you to powerful tools - like body and mind mapping - that will transform the way you approach your training, bring your running into sharper focus and ensure that the best coach for your mind and body is none other than you. Part narrative, part coaching session (and always full-time adventure), Shane dives deep into the inner workings of the human mind. He shows how we can rediscover our lost ability to learn, rejuvenate our running, take ownership of our movement and, ultimately, reach our own limitless potential.

Discover the Mindset to Limitless Performance

Running Enlightenment

An introductory finance textbook that teaches personal, corporate, and investment decisions from one set of first principles. How much should I save for retirement? Should this company launch a new product? Is this stock worth its price? These questions look like they belong to three different subjects—personal, corporate, and investment—and most introductory textbooks treat them that way. But this innovative introduction to finance shows that they actually come down to the same handful of principles. Drawing on more than two decades of teaching at Wharton, Michael Roberts develops each idea in context, working through real companies and live data and returning to the core concepts often enough that they stick. Featuring hundreds of examples, frequent understanding checks, and extensive end-of-chapter problems, Financial Decision-Making is an essential learn-by-doing guide to practicing finance in our personal and professional lives. <ul><li>Organized by decision type rather than finance topic</li><li>Illustrates the thought process for tackling financial questions in varied contexts</li><li>Emphasizes relatable, practical applications </li><li>Suits undergraduates, MBAs, executives, and general readers</li><li>Includes instructor resources</li></ul>

Principles, Applications, and Cases

Financial Decision-Making

A collection of eye-opening natural experiments, showing how economists uncover cause-and-effect relationships and reveal insights about our world. Does having a daughter change how a congressperson votes? How did a nineteenth-century doctor help discover germs? Is it better to go first or second in a penalty shootout? Why don’t diplomats pay their parking tickets? Do leaders really matter? These are all questions economists ask. Some of these questions are serious, others less consequential. But all are interesting—and can be answered by way of the natural experiment. A natural experiment is an event in the real world that neatly divides people into a treatment group and a control group—and it is one of the greatest tools in the economist’s toolkit. In Daughters, Diplomats, and Death, Patrick Gourley discusses why and how economists have leveraged this powerful method to answer questions that were long thought unanswerable. In the vein of Freakonomics, Nudge, and The Tipping Point, the book takes the reader on a lively and engaging tour of some of the most fascinating natural experiments, explaining how they work, how they help social scientists answer questions, and what conclusions they reached. The experiments illuminate a wide range of timely issues in health, education, reproductive issues, and the environment, lending rich and much-needed nuance to the complex debates that shape today’s headlines.

A collection of eye-opening natural experiments, showing how economists uncover cause-and-effect relationships and reveal insights about our world. Does having a daughter change how a congressperson votes? How did a nineteenth-century doctor help discover germs? Is it better to go first or second in a penalty shootout? Why don’t diplomats pay their parking tickets? Do leaders really matter? These are all questions economists ask. Some of these questions are serious, others less consequential. But all are interesting—and can be answered by way of the natural experiment. A natural experiment is an event in the real world that neatly divides people into a treatment and control group—and it is one of the greatest tools in the economist’s toolkit. In Daughters, Diplomats, and Death, Patrick Gourley discusses why and how economists have leveraged this powerful method to answer questions that were long thought unanswerable. In the vein of Freakonomics, Nudge, and The Tipping Point, the book takes the reader on a lively and engaging tour of some of the most fascinating natural experiments, explaining how they work, how they help social scientists answer questions, and what conclusions they reached. The experiments illuminate a wide range of timely issues in health, education, reproductive issues, and the environment, lending rich and much-needed nuance to the complex debates that shape today’s headlines.

How Economists Use Natural Experiments to Decipher Our World

Daughters, Diplomats, and Death

A blueprint for how we can collectively build a thriving world, from a leading behavioural scientistEat healthily, cut back on alcohol, quit smoking, cycle to work, fly less - we all know what we should be doing. So why aren't we?The answer is both simple and radical: the world is stacked against us. From the moment we wake up, our decisions are shaped by the shops we visit, the streets we walk, the ads we scroll through. These environments are not neutral. They are designed for our convenience and immediate gratification, and to serve the interests of four industries: tobacco, ultra-processed food, alcohol and fossil fuels.Together, these industries drive the climate crisis, from greenhouse gas emissions to deforestation, and contribute to at least one in four deaths worldwide. Yet we are told the problem is one of personal responsibility - that with more information, smarter habits or new technologies, we can change our behaviour.This book challenges those myths. Drawing on decades of cutting-edge science and compelling case studies from around the world, leading behavioural scientist Theresa Marteau explores what actually works, and why those in power keep failing to act on the evidence. From taxing sugary drinks in Mexico to redesigning streets in Paris, from restricting junk food advertising in London to electing more women to office, Marteau shows how proven interventions applied at scale could transform our health and the health of our planet.Clear-eyed and incisive, this is an inspiring blueprint for how together, citizens and governments can push back against corporate power and build a better, brighter future.

How Four Industries Are Making Us Sick, and How We Can Reclaim Control

Pushback

NEW YORK TIMES BESTSELLING AUTHOR The Right has spent decades trying to win elections. The Left has spent decades deciding who controls everything else.In How the Regime Rules, New York Times bestselling author Christopher F. Rufo delivers his most explosive work yet, exposing the hidden architecture of American power and revealing a battle plan for the New Right to dismantle it.The Regime is not a conspiracy. It is something far more formidable—a sprawling network of Deep State bureaucrats, media gatekeepers, university administrators, corporate executives, and ideological enforcers who dictate what Americans can say, what they are permitted to believe, and who gets destroyed for stepping out of line. Its reach is ubiquitous, its accountability virtually nonexistent. And for decades, conservatives have mistaken capitulation for statesmanship. Rufo demolishes the comforting fiction that institutions can be neutral, that the marketplace of ideas is fair, or that the Right can simply retreat from the contest for influence. The system is not broken. It is functioning precisely as its architects intended.Rufo knows how to expose the machinery and dismantle it. He transformed DEI from an untouchable orthodoxy into a political liability. He propelled allegations of Somali welfare fraud into the national spotlight. He identified structural vulnerabilities, punctured manufactured consensus, and demonstrated how seemingly impregnable bastions of authority can be forced onto the defensive. Now he reveals the playbook. From Samuel Adams and the Sons of Liberty to dismantling ideological strongholds in higher education, Rufo uncovers the mechanics of political domination. How narratives harden into unquestionable truths, how elites perpetuate their own authority, and how disciplined insurgents can upend an entire political order.Rufo agrees with the Left on one fundamental point: Every institution is an instrument of a particular vision of society. In How the Regime Rules, he argues that conservatives must stop mistaking political restraint for moral superiority, cultivate a formidable counter-elite, and master the levers of influence that shape American life.The Regime has perfected the art of ruling without appearing to rule. Now Rufo turns its own methods against it, showing the Right how to reclaim America's commanding heights and chart a new course for the country.

In How the Regime Rules, New York Times bestselling author Christopher Rufo delivers a bold, unflinching examination of how America’s founding spirit was transformed—and, in his telling, betrayed—by the rise of modern bureaucratic power.In How the Regime Rules, Christopher F. Rufo—the New York Times bestselling author who nuked Critical Race Theory, gutted DEI in corporate boardrooms, put Somali fraud on the map, and toppled the president of Harvard—delivers his most explosive work yet: a manifesto for the evolving right and a scorched-earth blueprint to shatter the invisible power structure that now governs America.We all know the Regime. It’s the interlocking web of the Deep State bureaucracy, biased media, corrupted academia, and corporate middle managers that enforces conformity, doles out status to favorites, and crushes dissent. Instead of ruling by winning elections, the Regime rules through cultural capture—dictating what you are allowed to say, think, and believe. Rufo strips back the curtain on their operation, turning the Left’s own playbook against them to show how a radical minority seized the commanding heights of American life. He tracks the bureaucratic rot that traded our founding spirit for a system of managed decline, from the administrative state’s silent coup to the ideological hijacking of our elite institutions.But the time for grievance-filled exposés is past. Now is the time to build real, lasting political power.The old GOP establishment failed because it spent decades begging for a seat at the Regime’s table—only to be mocked, then discarded. The "New Right" too often gets distracted by petty revenge and backward-looking saltiness. Rufo rejects both. Instead, he offers a high-energy, forward-looking vision: building a counter-elite that is rooted in real community, culturally dominant, relentlessly entrepreneurial, and unapologetically patriotic—just like the Founding Fathers. Patriots are already building independent businesses, parallel media ecosystems, homeschool networks, and tech startups that operate entirely outside the Regime’s thumb. Rufo provides a practical counterrevolution roadmap—dismantling the power of bloated bureaucracies, purging left-wing racialism from federal agencies, restoring merit in our universities, and shifting the fight from pure culture wars to the economic realities of the working man. Build it well—make it vibrant, profitable, and bold—and the American people will follow in droves.How the Regime Rules moves us past easy wins or empty nostalgia. It equips us with the strategy, tactics, and spirit required for total national reconstruction. Drawing on his hard-won victories and a cold-blooded analysis of how power actually works, Rufo shows how a new generation can seize the initiative, recapture the American spirit, and restore self-government.

And the Art of Counter-Revolution

How the Regime Rules

Alle Leistungen kennen und nutzen

Nur wer über die finanziellen Vergünstigungen und Erleichterungen bei Vorliegen einer Schwerbehinderung Bescheid weiß, kann seine Rechte gezielt wahrnehmen.

Der Ratgeber Finanzielle Hilfen für Menschen mit Behinderung informiert kompakt und verständlich über Hilfen und Nachteilsausgleiche:

<ul>
<li>zur Bestreitung der Miet- und Wohnkosten</li>
<li>zum Wohnungsumbau</li>
<li>im Straßenverkehr und bei Reisen</li>
<li>im Arbeitsleben</li>
<li>im Steuerrecht</li>
<li>bei der Kranken- und Pflegeversicherung</li>
</ul>

Ebenfalls berücksichtigt: Finanzielle Unterstützungsdienstleistungen der Bundesländer (z.B. Landesblindengeld, Bayerisches Pflegegeld).

Zuschüsse, Vergünstigungen, Steuervorteile, Sonderrechte am Arbeitsplatz

Finanzielle Hilfen für Menschen mit Behinderung

'A valuable guide to turning investment knowledge into better investment behaviour.' - Wes Gray, PhD, CEO, Alpha Architect Warren Buffett is the world's greatest investor, yet most people ignore his advice, chasing fads instead. In this updated second edition of Think, Act, and Invest Like Warren Buffett, investing expert Larry Swedroe demystifies Buffett's success, revealing it stems from a disciplined, systematic strategy-then shows you how to apply those principles to your own portfolio. By adopting a passive, evidence-based approach and a robust asset allocation plan, Swedroe teaches you to stop gambling and start investing intelligently. He translates groundbreaking research into a practical framework so you learn to:<ul><li>Develop your own investment principles to follow</li><li>Determine the level of risk that is right for you</li><li>Silence "market noise"and ignore destructive forecasts</li><li>Master the temperament required to stay the course</li></ul> This new edition includes the latest academic evidence on Buffett's investing philosophy, demonstrating that the secret to successful investing is simpler than you think. Stop guessing and start growing your wealth using the proven, timeless principles that built Berkshire Hathaway.

How to play the winner's game in investing and life

Think, Act and Invest Like Warren Buffett

Broke No More

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