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Ashworth C: BUILT FROM THE GROUND UP

BUILT FROM THE GROUND UP

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

Signature Clothbound Editions

Jane Austen’s complex and insightful study of manners, morality, and social class, now in a beautiful gift edition&nbsp;for the Union Square &amp; Co. Signature Clothbound Editions line. When ten-year-old Fanny Price is plucked from squalor to be raised in comfort among her well-to-do relatives at the elegant Mansfield Park, only her cousin Edmund notices her homesickness and distress. Bolstered by Edmund’s kindness, Fanny begins to thrive as a useful and happy member of the household, and her natural feelings of gratitude and respect for Edmund start to grow into something deeper. But when sophisticated Londoners Henry and Mary Crawford arrive at Mansfield Park, trouble arrives with them, and Fanny’s hard-won peace is threatened by the chaos the Crawfords leave in their wake.

Mansfield Park

This is a book about choices. Not the kind you make when you decide who to marry, whether to quit your job, or when to go for a hike. It's about the kind that hardly existed a hundred years ago but now govern our lives. The kind that have architects.Choose Your Captivity exposes the hidden forms of designed choice that, by determining the options made available to us, are deployed to steer our attention, behaviour and desires, influencing everything from what we eat to where we live and how we vote. It introduces the architects who first devised and applied these insidious tools, from the maze-building eugenicist who invented the multiple-choice test to the marketing gurus who in less than a generation helped transform a handful of online platforms into the richest corporations in history. By constraining our actions, shaping our choices and even our identities, they have made the world we know today.Open your eyes to the immense power wielded by the choice architects - and how to escape it.

How Choice Architects Made Our World and Sold Our Freedom

Choose Your Captivity

Two of the world's leading researchers on behavior and decision-making join forces to equip readers with the knowledge, tools, and techniques to live our best, most human lives in an age of machines. “The real problem of humanity is the following: We have Paleolithic emotions, medieval institutions and godlike technology. And it is terrifically dangerous.” —E.O WilsonOur choices and experience of the world are increasingly shaped by powerful interests and godlike technology. Somebody else is deciding what ‘good’ choices look like—and often that means good for them, not for you. From the social media apps hijacking your attention and algorithms quietly curating your reality, to the markets profiting from confusion and AI systems slowly eroding your thinking: your choices are shaped by people who understand your psychology better than you do, and use that knowledge for their own ends. Against this backdrop, it is easy to feel diminished and 'done to'.This book is about fighting back—individually and collectively—and becoming the best of ourselves. Becoming super-humans. Drawing on over 1,000 experiments run across more than 70 countries, Halpern and Costa show how you can boost your own agency and decision-making, how we can upgrade our systems and institutions so that it is easier for everyone to choose well, and how we can shape AI so that it amplifies human capability rather than replacing it.Super-Human ultimately asks us to make the biggest choice of all: in an age when machines can think, decide and even feel on our behalf—what kind of humans do we want to be? <ul><li>Human. Reclaiming agency and becoming a better decision-maker (Chapters 1-3). Understanding how human attention and sense-making works, so that we can self-guide, rather than be hacked by others - and more effectively turn our intentions into action.</li><li>Supra-human. Building systems that support us to choose well together. (Chapters 4-7). Humans are social creatures, who think aloud and together. It's a feature not a fault. Social networks, markets and institutions strongly enable us to achieve things we could never do alone, but also operate as ‘supra-human’ influences on our behavior. Yet individually and collectively we have power to channel and shape them too - more power than we realize</li><li>Super-human. Shaping the technology that will shape us. (Chapter 8) AI could be the ultimate ‘bicycle of the mind’, but it can also become a crutch rather than a coach. It poses opportunity and challenge - to boost our capabilities to superhuman levels, or to become our inadvertent master.</li><li>Future-human. What kind of humans do we ultimately want to be? (Conclusion) Our minds today have been shaped by the technologies and institutions of our ancestors, in ways they could not have anticipated. We can make choices that will alter our minds and those that follow: what shall we choose?</li></ul>

Two of the world's leading researchers on behavior and decision-making join forces to equip readers with the knowledge, tools, and techniques to live our best, most human lives in an age of machines. “The real problem of humanity is the following: We have Paleolithic emotions, medieval institutions and godlike technology. And it is terrifically dangerous.” —E.O WilsonOur choices and experience of the world are increasingly shaped by powerful interests and godlike technology. Somebody else is deciding what ‘good’ choices look like—and often that means good for them, not for you. From the social media apps hijacking your attention and algorithms quietly curating your reality, to the markets profiting from confusion and AI systems slowly eroding your thinking: your choices are shaped by people who understand your psychology better than you do, and use that knowledge for their own ends. Against this backdrop, it is easy to feel diminished and 'done to'.This book is about fighting back—individually and collectively—and becoming the best of ourselves. Becoming superhumans. Drawing on over 1,000 experiments run across more than 70 countries, Halpern and Costa show how you can boost your own agency and decision-making, how we can upgrade our systems and institutions so that it is easier for everyone to choose well, and how we can shape AI so that it amplifies human capability rather than replacing it.Superhuman ultimately asks us to make the biggest choice of all: in an age when machines can think, decide and even feel on our behalf—what kind of humans do we want to be? <ul><li>Human. Reclaiming agency and becoming a better decision-maker (Chapters 1-3). Understanding how human attention and sense-making works, so that we can self-guide, rather than be hacked by others - and more effectively turn our intentions into action.</li><li>Supra-human. Building systems that support us to choose well together. (Chapters 4-7). Humans are social creatures, who think aloud and together. It's a feature not a fault. Social networks, markets and institutions strongly enable us to achieve things we could never do alone, but also operate as ‘supra-human’ influences on our behavior. Yet individually and collectively we have power to channel and shape them too - more power than we realize</li><li>Super-human. Shaping the technology that will shape us. (Chapter 8) AI could be the ultimate ‘bicycle of the mind’, but it can also become a crutch rather than a coach. It poses opportunity and challenge - to boost our capabilities to superhuman levels, or to become our inadvertent master.</li><li>Future-human. What kind of humans do we ultimately want to be? (Conclusion) Our minds today have been shaped by the technologies and institutions of our ancestors, in ways they could not have anticipated. We can make choices that will alter our minds and those that follow: what shall we choose?</li></ul>

Reclaiming Our Power to Choose and Shape the Future

Super-Human

DSCR vs Conventional &amp; Hard Money is the definitive guide for real estate investors who want to grow faster, safer, and with less personal financial risk. Written by licensed mortgage broker and investor financing specialist Joseph G. Correa, this book reveals how professional investors use multiple financing systems to build portfolios that scale through any market cycle.

Inside this book you will learn:
¿ How DSCR loans allow unlimited rental growth without income verification
¿ When conventional loans create massive long-term wealth
¿ How hard money is used by professionals to unlock hidden deals
¿ How to structure refinance exits that eliminate risk
¿ How to build a portfolio that survives recessions
¿ How to recycle equity into new properties without selling
¿ How institutional investors actually structure their capital

Whether you are buying your first rental or scaling toward a multi-million-dollar portfolio, this book gives you the same financing playbook used by private equity and professional landlords. DSCR lending represents a turning point in modern real estate. For the first time in history, everyday investors can use institutional-style underwriting that evaluates properties as businesses instead of borrowers as individuals. This allows you to build portfolios that scale without being trapped by tax returns, W-2 income, or debt-to-income ratios. It is the foundation of the professional investor class.

This is not theory. It is a real-world blueprint.
Start reading now and take control of your capital.

How Smart Investors Choose the Right Financing

DSCR vs Conventional & Hard Money

New York Times bestselling author of Rich Bitch and renowned money expert Nicole Lapin makes investing accessible and fun so women can make bank and become Miss Independent.You've worked hard for your money and now it's time for your money to work for you. You will never earn or budget your way into real wealth. Growing your money significantly doesn't require starting with a lot of money. It requires a little bit of knowledge about taking smart risks and as much time as possible to take advantage of the glorious power of compound interest, which Einstein refers to as the eighth wonder of the world.From automating your savings to easy, no-stress investing strategies, Nicole will teach you how to take your financial knowledge and portfolio to the next level and start you on your journey to your ultimate destination: true financial independence.In Miss Independent, you will learn: <ul><li>The freedom that wealth affords you, whether it's the ability to leave a crappy job or significant other, go on the vacation of your dreams or otherwise live life on your own terms. </li><li>The best method for establishing your "number"--the amount of wealth you want to accumulate before you retire--and getting it.</li><li>The meaning of the most common investing terms, like stocks and bonds, (and some more exotic ones like REITs or cryptocurrency) and how to make them work to your advantage.</li><li>The ins and outs of big financial decisions and concepts, like taking out a mortgage, owning investment properties, and buying life insurance.</li></ul>Miss Independent takes the fear out of money management and investing once and for all. Using her own vulnerable stories and her signature conversational style, let Nicole show you all the different ways and paths that you can take to become financially free at last.

New York Times&nbsp;bestselling author of&nbsp;Rich Bitch&nbsp;and renowned money expert Nicole Lapin makes investing accessible and fun so women can make bank and become&nbsp;Miss Independent.You’ve worked hard for your money and now it’s time for your money to work for&nbsp;you. You will never earn or budget your way into real wealth. Growing your money significantly doesn’t require starting with a lot of money. It requires a little bit of knowledge about taking smart risks and as much time as possible to take advantage of the glorious power of compound interest, which Einstein refers to as the eighth wonder of the world.From automating your savings to easy, no-stress investing strategies, Nicole will teach you how to take your financial knowledge and portfolio to the next level and start you on your journey to your ultimate destination: true financial independence.In&nbsp;Miss Independent, you will learn:<ul><li>The freedom that wealth affords you, whether it’s the ability to leave a crappy job or significant other, go on the vacation of your dreams or otherwise live life on your own terms.&nbsp;</li><li>The best method for establishing your “number”—the amount of wealth you want to accumulate before you retire—and getting it.</li><li>The meaning of the most common investing terms, like stocks and bonds, (and some more exotic ones like REITs or cryptocurrency) and how to make them work to your advantage.</li><li>The ins and outs of big financial decisions and concepts, like taking out a mortgage, owning investment properties, and buying life insurance.</li></ul>Miss Independent&nbsp;takes the fear out of money management and investing once and for all. Using her own vulnerable stories and her signature conversational style, let Nicole show you all the different ways and paths that you can take to become financially free at last.

A Simple 12-Step Plan to Start Investing and Grow Your Own Wealth

Miss Independent

A blunt, accountability-driven road map for anyone ready to stop being broke and start building real financial stability, from Financial Audit host and personal finance guru Caleb Hammer You don’t have a money problem; you have a discipline problem. You've been swiping, hoping, and avoiding your bank app like it’s going to personally insult you. In Financial Audit, Caleb Hammer brings the same raw, no-excuses energy of his wildly popular YouTube show straight to you. Now anyone can get the audit they need—privately, and step-by-step. There's no sugarcoating, coddling, or millionaire fantasy talk here. Instead of vague motivation or complicated investing theory, you get a clear plan: Track your money, face the truth, fix the leaks, kill the debt, and build real savings. You’ll learn how to: <ul><li>Stop spending money you don’t have</li><li>Build a budget you’ll actually follow</li><li>Destroy high-interest debt</li><li>Stack a real emergency fund</li><li>Start investing in your future</li></ul> You don’t need a miracle, and you certainly don't need to "manifest abundance." You need the audit. So let’s get to work.

A blunt, accountability-driven road map for anyone ready to stop being broke and start building real financial stability, from Financial Audit host and personal finance guru Caleb Hammer You don’t have a money problem; you have a discipline problem. You've been swiping, hoping, and avoiding your bank app like it’s going to personally insult you. In Financial Audit, Caleb Hammer brings the same raw, no-excuses energy of his wildly popular YouTube show straight to you. Now anyone can get the audit they need—privately, and step-by-step. There's no sugarcoating, coddling, or millionaire fantasy talk here. Instead of vague motivation or complicated investing theory, you get a clear plan: Track your money, face the truth, fix the leaks, kill the debt, and build real savings. You’ll learn how to: <ul><li>Stop spending money you don’t have</li><li>Build a budget you’ll actually follow</li><li>Destroy high-interest debt</li><li>Stack a real emergency fund</li><li>Start investing in your future</li></ul> You don’t need a miracle, and you certainly don't need to "manifest abundance." You need the audit. So let’s get to work.

The No-Excuses Guide to Getting Out of Debt and Finally Taking Control of Your Money

Financial Audit

The primary objective of this work is to develop a behavioral basis for an AI algorithm to assist managers of finance, production, and marketing divisions of firms in imperfect markets. Production, sales revenue, external finance, and networth (market value of the fixed assets) have the pivotal role as objectives. However, all of them cannot be maximized simultaneously due to the interdependence among them. The managers tend to pursue the most valuable objective using the most productive strategy at each point of time. This was utilized as a basis for the AI algorithm. Non-linearities in the switches in objectives and strategies are a short run phenomenon while swaps will be preferred if firms have a long run advantage. Such observed phenomena were also incorporated in the specification of the AI algorithms. The important results are as follows. (i) In most industries the shortage of demand is not a constraint. Instead, the ability of firms to increase their strategic supply is dominant. (ii) Most firms pursue strategic supply based on the capital stock available. This indicates a preference for external finance. (iii) In the short run firms utilize working capital finance and selling costs to ensure that the sales revenue achieved is commensurate with the strategic supply. (iv) Thus, the postulate that expected demand determines the strategic supply as well as the profit maximization postulate for the short run do not appear as the priorities.

The primary objective of this work is to develop a behavioral basis for an AI algorithm to assist managers of finance, production, and marketing divisions of firms in imperfect markets. Production, sales revenue, external finance, and networth (market value of the fixed assets) have the pivotal role as objectives. However, all of them cannot be maximized simultaneously due to the interdependence among them. The managers tend to pursue the most valuable objective using the most productive strategy at each point of time. This was utilized as a basis for the AI algorithm. Non-linearities in the switches in objectives and strategies are a short run phenomenon while swaps will be preferred if firms have a long run advantage. Such observed phenomena were also incorporated in the specification of the AI algorithms.&nbsp;The important results are as follows. (i) In most industries the shortage of demand is not a constraint. Instead, the ability of firms to increase their strategic supply is dominant. (ii) Most firms pursue strategic supply based on the capital stock available. This indicates a preference for external finance. (iii) In the short run firms utilize working capital finance and selling costs to ensure that the sales revenue achieved is commensurate with the strategic supply. (iv) Thus, the postulate that expected demand determines the strategic supply as well as the profit maximization postulate for the short run do not appear as the priorities.

Towards an AI Algorithm for Multiple Objectives in Imperfect Markets

DSCR Loan Fundamentals is the definitive professional guide for real estate investors who want to build wealth without being limited by personal income, tax returns, or traditional bank rules.

Written by Joseph G. Correa, Licensed Mortgage Broker at Finibi Mortgage, this book explains how Debt Service Coverage Ratio (DSCR) loans allow investors to qualify based on property cash flow instead of W-2 income - unlocking unlimited portfolio growth.

Whether you are buying your first rental or building a multi-million-dollar portfolio, this book shows you how to structure deals that lenders approve, how to avoid DSCR traps that kill financing, and how to use property income to scale faster with less risk.

Inside this book you will learn:
 ¿ How DSCR loans really work and why banks created them for investors
 ¿ How lenders calculate rental income, payments, and risk
 ¿ How to structure deals so properties qualify on their own
 ¿ How to scale beyond personal debt-to-income limits
 ¿ How to use LLCs and entities with DSCR financing
 ¿ How to stress-test deals before you buy
 ¿ How to recycle capital and grow your portfolio faster
 ¿ How to avoid the most common DSCR mistakes that destroy deals

This is not theory. It is the same financing system used by professional investors, private equity firms, and large rental portfolios - explained in clear, practical terms.
If you want rental properties that pay for themselves, financing that never runs out, and a repeatable system for building passive income, this book shows you how.

Start building a property-powered wealth system today.

How Debt Service Coverage Ratio Loans Really Work

DSCR Loan Fundamentals

Based on a million conversations about what matters most... In The Values Map: Discover What Drives You and How to Move Others, David Allison reveals that shared human values-not age, gender, or geography-are the most powerful predictors of behavior. Drawing from nearly one million surveys across 180 countries, this book provides a proven framework for understanding what truly drives you and the people around you. Through vivid storytelling, Allison demonstrates how values drive our decisions, shape relationships, and transform organizations. Readers use a variety of tools and techniques, then watch their own core values appear throughout the stories that follow. Each chapter illuminates how global brands, grassroots movements, and individuals have used values to reshape industries and lives. Readers will also find: <ul> <li>Values assessment frameworks that personalize your reading experience and reveal the values that drive who you are and what you do</li> <li>Real-world case studies from organizations, governments, communities and individuals that demonstrate values-based strategies in action</li> <li>A data-backed methodology now included in university courses as part of human-centered strategy curricula worldwide</li> <li>Practical frameworks for building stronger teams, engaging stakeholders authentically, and making more aligned life choices</li> <li>Insights from the most comprehensive values dataset ever created, spanning 152 languages and every major culture</li> </ul> Essential for CEOs seeking authentic stakeholder connection, managers building cohesive teams, and anyone wanting to understand their own motivations more clearly, The Values Map delivers both the framework and inspiration to move beyond surface-level assumptions toward deeper, more meaningful human connection.

Discover What Drives You and How to Move Others

The Values Map

Winner of the Axiom Business Book Awards 2025 Discover why true wealth extends far beyond your bank balance - and how to achieve it. We find ourselves at a crossroads. We all know that true wealth is about far more than money. Wealth is friends, family, health, a vocation, command of your time, leisure, and whatever else is important to you. And yet, we are all guilty of acting as if money alone is wealth and an end in itself. How do we navigate this crossroads to find the right balance between monetary wealth and true, soulful wealth? Enter Daniel Crosby - behavioural finance expert and author of the smash hits The Laws of Wealth and The Behavioral Investor. In The Soul of Wealth, Daniel presents 50 short essays exploring what wealth really is and provides practical suggestions for changing your thinking and actions in small, powerful ways. You'll learn: - How your spending reveals your values - That money can buy happiness if spent well - What makes a good financial plan - Why willpower is overrated - How to master delayed gratification for the ultimate wealth hack - Why anything worth doing carries some risk - And much, much more! Accessible and inspirational, The Soul of Wealth is the ultimate compendium of the world's best behavioural and personal finance knowledge. It will challenge your thinking, rekindle forgotten truths, and empower you to embrace a new relationship with your money. Now part of the Harriman House Essentials Collection, a series showcasing the very best of business and finance books.

Harriman House Essentials

The Soul of Wealth

Why Big Labor moved to the right— and the fight ahead for the left to win back America’s working class Unions helped construct the American middle class, defeat Jim Crow, and advance progressive rights, but in Trump’s America, the labor movement is changing. In Big Labor's Big Shift, journalist Nathan Bomey explores how Big Labor and the working class are no longer an automatic ally of the American left. Fueled by decades of economic decline, political disillusionment, and cultural disenfranchisement, new politically nebulous and economically populist leaders in the movement are building a powerful new movement based on class warfare that prizes wage and benefit gains over traditional progressive priorities. Through original reporting and first-hand interviews, Bomey traces key events that have led to this political shift. Bomey reveals: -At the Teamsters, president Sean O’Brien is cozying up to Donald Trump and blasting Democrats as tools of big business, even showing up at the Republican National Convention to deliver his message. -At the United Auto Workers, president Shawn Fain is seizing an opportunity to break the free trade consensus in Washington. The devout Christian, who wields religious rhetoric from the stump, is aligning with the Trump White House on tariffs and blasting Democrats for aggressively pursuing electric vehicles to fight climate change. Bomey shows how the two interconnected phenomena represent a massive political realignment—not just along cultural and nationalism lines, but of the working class itself away from its historic roots in the Democratic party. Urgent and compelling, Big Labor's Big Shift encapsulates the fight for the soul of the union movement.

Why Big Labor moved to the right—and the fight ahead for the left to win back America’s working class Unions helped construct the American middle class, defeat Jim Crow, and advance progressive rights, but in Trump’s America, the labor movement is changing. In Big Labor's Big Shift, journalist Nathan Bomey explores how Big Labor and the working class are no longer an automatic ally of the American left. Fueled by decades of economic decline, political disillusionment, and cultural disenfranchisement, new politically nebulous and economically populist leaders in the movement are building a powerful new movement based on class warfare that prizes wage and benefit gains over traditional progressive priorities. Through original reporting and first-hand interviews, Bomey traces key events that have led to this political shift. Bomey reveals: -At the Teamsters, president Sean O’Brien is cozying up to Donald Trump and blasting Democrats as tools of big business, even showing up at the Republican National Convention to deliver his message. -At the United Auto Workers, president Shawn Fain is seizing an opportunity to break the free trade consensus in Washington. The devout Christian, who wields religious rhetoric from the stump, is aligning with the Trump White House on tariffs and blasting Democrats for aggressively pursuing electric vehicles to fight climate change. Bomey shows how the two interconnected phenomena represent a massive political realignment—not just along cultural and nationalism lines, but of the working class itself away from its historic roots in the Democratic party. Urgent and compelling, Big Labor's Big Shift encapsulates the fight for the soul of the union movement.

Why Unions Left Democrats

Big Labor's Big Shift

BUILT FROM THE GROUND UP

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