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Prouty M: First-Term Finance

First-Term Finance

What happens when poor financial decisions begin to affect not only individuals but entire families? In Passing on the Baton: My Financial Journey, Valerie Chanda Chibuye shares honest, practical, and deeply relatable lessons drawn from her own life experiences and the stories of people around her. Written in simple and accessible language, this book explores the realities of managing money in everyday life within the Zambian and African context.
Through powerful personal stories, the book discusses budgeting and spending habits, saving and investing, managing lump sums and separation packages, retirement and pension planning, mobile money and financial scams, family obligations and financial pressure, shopping smart and cutting household costs, building financial discipline and resilience.
From navigating periods of unemployment and raising school-going children, to building a home gradually and learning to survive financially difficult seasons, the author demonstrates that financial literacy is not only about numbers. It is about decisions, habits, and planning for the future.
This book is ideal for young adults starting their financial journey, employees and entrepreneurs, pensioners and widows managing lump sums, families seeking financial stability and anyone who wants to improve their relationship with money.
At its core, Passing on the Baton: My Financial Journey is a call to break cycles of dependency and build pathways toward financial independence and generational wealth. It is not about how much you earn, but how you manage what you have.

My Financial Journey

Passing on the Baton

The Ultimate Guide to Building a Real Estate Team

Team Leader Secrets

From the Irish Times and New York Times bestselling author comes a historical novel about an orphaned Victorian flower seller, a lost sister and a hidden diary...

From the Irish Times and New York Times bestselling author comes a historical novel about an orphaned Victorian flower seller, a lost sister and a hidden diary…

A Memory of Violets

Money stress rarely comes from one big problem. It usually comes from dozens of small ones: bills scattered across accounts, subscriptions you forgot about, debt that keeps growing, and a financial system that feels harder to manage every year.

When everything is moving at once, it can feel like you're stuck running on a financial hamster wheel - always working, always paying, but never quite getting ahead.

Calm Money is a practical guide to stepping off that wheel and building a simpler way to manage your finances.

Instead of complicated financial theory or strict budgeting systems that collapse after a few weeks, this book focuses on creating a clear structure that organizes your financial life and keeps it running smoothly.

Inside, you'll learn how to simplify the moving parts of your money, eliminate the habits and systems that create financial chaos, and build a structure that keeps your finances under control without consuming your time or energy.

Written in plain language and focused on real-life practicality, Calm Money helps readers replace financial stress with clarity, control, and a calmer approach to managing money.

A Simple System for People Who Want Their Finances Handled and their Life Back

Calm Money

“Insanely big-hearted.” —The Washington Post “Electric.” —The New York Times “Tender, immersive, and thrilling." —Gabrielle Zevin, author of Tomorrow, and Tomorrow, and Tomorrow "One of the best novels I’ve ever read about friendship.” —Stephen King, #1 bestselling author In this story of intense friendship and grit, two down-and-out teens escape their lives and chase a different future through rock-climbing -- from the New York Times bestselling author of My Absolute Darling. Dan and Tamma are two teenagers in their last year of high school in the southern Mojave Desert. One is a gifted golden child, the other a mouthy burnout. Climbing boulders in trash-strewn parking lots during cold desert nights, they seal their unique bond and dream of a life of adventure. As the year progresses and adult reality looms, they are rocked by change and pulled apart by irreconcilable obligations. Differences of class, talent, and prospects take on new importance; options dwindle, and their decisions grow ever more consequential and perilous. It feels inevitable, finally, that something must give. With a magnificent gift for nature writing and a joyful appreciation for the redemptive power of friendship, Gabriel Tallent gives readers a rollicking, adrenaline-filled, and soul-searching novel about risking everything to change your life.

“Insanely big-hearted.” —The Washington Post “Electric.” —The New York Times “Tender, immersive, and thrilling." —Gabrielle Zevin, author of Tomorrow, and Tomorrow, and Tomorrow "One of the best novels I’ve ever read about friendship.” —Stephen King, #1 bestselling author In this story of intense friendship and grit, two down-and-out teens escape their lives and chase a different future through rock-climbing -- from the New York Times bestselling author of My Absolute Darling. Dan and Tamma are two teenagers in their last year of high school in the southern Mojave Desert. One is a gifted golden child, the other a mouthy burnout. Climbing boulders in trash-strewn parking lots during cold desert nights, they seal their unique bond and dream of a life of adventure. As the year progresses and adult reality looms, they are rocked by change and pulled apart by irreconcilable obligations. Differences of class, talent, and prospects take on new importance; options dwindle, and their decisions grow ever more consequential and perilous. It feels inevitable, finally, that something must give. With a magnificent gift for nature writing and a joyful appreciation for the redemptive power of friendship, Gabriel Tallent gives readers a rollicking, adrenaline-filled, and soul-searching novel about risking everything to change your life.

A Novel

Crux

Dragon Circus

DEATH TO ALL DRAGONS! The sudden appearance of massive monsters known as "Dragons" throws the world into chaos. The New United Nations, created as a response to the threat, puts together a team known as the Dragonslayers, including (among others) a vampire, an android, a witch, the animated remains of the legendary ogre Shuten Doji, and....a little girl?! Ace pilot Momo may still be in grade school, but she just might have the skills to save humankind. Taut action, propulsive storytelling, and sly humor take this seinen action series to new heights and unexpected places! On the fateful day the dragons first appeared, Dr. Abe's beloved died in the inital onslaught. Now he has created an android in his own image: the DS-08 "Shikigami," part of the NUN (New United Nations)'s top secret project to counter this monstrous invasion. In addition to the Shikigami, this team of "Dragonslayers" is comprised of members of the many races that have up till now lived in obscurity: elves, dwarves, witches, vampires, and more... As the team assembles to fight off the massive and mysterious creatures that now menace humanity, however, one member stands apart from the rest: Momo Agatsuma, the young daughter of an NUN scientist and ace pilot par excellence. Together this motley crew must fend of the greatest threat the world has ever faced...!

DEATH TO ALL DRAGONS! The sudden appearance of massive monsters known as "Dragons" throws the world into chaos. The New United Nations, created as a response to the threat, puts together a team known as the Dragonslayers, including (among others) a vampire, an android, a witch, the animated remains of the legendary ogre Shuten Doji, and....a little girl?! Ace pilot Momo may still be in grade school, but she just might have the skills to save humankind. Taut action, propulsive storytelling, and sly humor take this seinen action series to new heights and unexpected places! Humanity’s response to the arrival of the mysterious&nbsp;and destructive creatures known as “Dragons”? The Dragon Slayers—an elite unit of humans, demi-humans, robots, and monsters, dedicated to the elimination of the interlopers. Now, as the battle becomes ever more fierce, the team welcomes their new secret weapon: an ace pilot, who just happens to be...?!

DRAGON CIRCUS 1

We vow for richer for poorer. We sacrifice for our children, we give back to our parents. Because in true love and family matters, money's irrelevant and it would be terrible to suggest otherwise. Right?

We vow for richer for poorer. We sacrifice for our children, we give back to our parents. Because in true love and family matters, money's irrelevant and it would be terrible to suggest otherwise. Right?

The Modern Money Questions That Could Save Your Relationships

Yours or Mine?

FINANCIAL ROCKET: FREEDOM BEFORE AGE 30
What if the next five years could completely transform your financial future?
Most people spend their 20s earning money.
Very few use their 20s to build wealth, create passive income, and achieve financial independence.
Financial Rocket: Freedom Before Age 30 is a practical, step-by-step blueprint designed for ambitious young earners who want more than just a salary.
This is not theory.
This is not motivation.
This is a proven financial system.
WHAT YOU WILL LEARN INSIDE THIS BOOK
¿ How to build wealth early even with a small salary
¿ How to turn your job income into long-term financial freedom
¿ How to create multiple passive income streams
¿ How to crush debt using smart repayment strategies
¿ How to invest in index funds, SIPs, stocks, and real estate wisely
¿ How to scale side hustles into small businesses
¿ How to automate savings and investing
¿ How to design a 5-year roadmap toward financial independence
WHO THIS BOOK IS FOR
¿ Young professionals
¿ College students
¿ First-time investors
¿ Side hustlers
¿ Entrepreneurs under 30
¿ Anyone tired of living paycheck to paycheck
IF YOU WANT TO
Build wealth early
Create passive income
Invest smartly
Achieve financial independence before age 30
Then this book is your launchpad.
Your 20s are your biggest financial advantage.
The earlier you start, the faster you compound.
The next five years will pass anyway.
The only question is: will you still be chasing money, or will money start working for you?
Start your Financial Rocket today.

Financial Rocket - Freedom Before Age 30

Phenomenal World Books

A critical history of the US dollar's dominance in the world economy--and what has kept China's currency from overtaking it. The dollar is the primary currency of the world economy. With China now rivaling the United States on the world stage, a critical question hangs in the balance: will the Chinese renminbi challenge the status of the dollar and, in doing so, deprive America of its "exorbitant privilege"? In GreenbackEmpire, Ho-fung Hung offers a powerful account of why, even as American shares of global production, ownership, and trade continue to decline, its currency has retained the support of governments and investors around the world. For six decades, Hung shows, the dominance of the dollar has rested on the security umbrella that the US offers to the world's wealthiest countries--including oil producers. To these countries, support for the value of the dollar is tantamount to maintaining US protection. While China has become a serious geopolitical and economic rival to the US, the Chinese state's airtight control of its financial system has delayed the free trading of the renminbi, limiting the currency's internationalization. In short, the same strategy that engineered growth in China's economy is restraining its currency's rise in opposition to the dollar. Hung's Greenback Empire is an essential history of the dollar's prowess, indispensable for understanding the future of the global monetary system.

Global Dollar Dominance and the New Cold War

Greenback Empire

Me croiriez-vous si je vous disais que devenir millionnaire est possible pour tous les militaires ?
Et si la liberté financière était plus facile à atteindre que vous ne le pensez ?
Ce livre est votre guide pour fonder sa richesse sur le front, rempli de conseils pratiques et d'astuces concrètes pour vous aider à :Tirer le meilleur parti de votre salaire 
Maximiser votre pension 
Optimisez vos allocations militaires 
Maîtriser votre budget et attaquer vos dettes
Investir comme un pro pour bâtir une richesse durable


Dans Fonder sa Richesse en Uniforme, Paulo Lo Xan Keomanyla partage les secrets de la réussite financière d'un soldat, à travers son expérience vécue sur le terrain dans les Forces Armées Canadiennes. Sa mission ? Aider chaque militaire à servir avec fierté et prendre sa retraite riche - et tout peut commencer avec une simple tasse de café.

Le Guide du Soldat Vers la Réussite Financière

Fonder Sa Richesse en Uniforme

Mission Lead Olivia O'Connor and her team from the Artemis Corporation, along with their military liaison, are in the final preparations for an undertaking that will alter the course of human history: a test flight that promises to open up new frontiers in the expanse of the universe. But their journey between dimensions is one they never trained for. Strange voices in the corridors. Long lost faces not forgotten. Strange symbols carved into the hull. And gathering outside the ship, ancient forces beyond reckoning. The crew will need all their skills to survive and uncover the twisted truth behind their mission. Commencing countdown...

Crawlspace

First-Term Finance

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