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Ashcombe N: The Multifamily Deal
Analyzer

The Multifamily Deal Analyzer

A credit score can mean the difference between a home and an apartment. Part of Sending It Home, Faustine
Merrick's insightful book explores how immigrants navigate America's complex financial systems with no
history or social security number.

Building Credit From Zero is not a quick fix, a magic formula, or a one-size-fits-all solution. Instead, it reveals
the specific challenges faced by individuals like Amelia Martinez and Maria Rodriguez as they attempt to
establish credit in an unfamiliar system that often feels rigged against them. The book details how immigrants
face obstacles such as high interest rates on loans and rejections for lack of documentation, illustrating the harsh
realities of starting over financially.

Start reading Building Credit From Zero today and learn concrete steps to overcome these challenges and build
your financial standing in America.

How to Build a U.S. Credit Score with No History and No Social Security Number

Building Credit From Zero

From Data to Decision

Business Analytics

Most property buyers believe the smartest decision is finding the lowest price per square foot. That belief has quietly led to delayed possession, legal confusion, poor resale value, and years of unnecessary stress for countless families.

In Price Per Sq. Ft. Is Lying to You, Rahul Gupta - a real estate advisor with 17 years of hands-on experience, backed by a 40+ year family legacy in real estate - shares practical insights that he gained over the years in the real estate market.

This book is not about quick profits or market hype. It is an honest guide that helps buyers:

¿ Understand why cheap properties often become expensive mistakes
¿ Avoid delayed possession, paperwork traps, and trust issues
¿ Look beyond brochures, discounts, and pricing gimmicks
¿ Choose homes that support family, lifestyle, and peace of mind
¿ Build long-term and generational wealth through thoughtful decisions

Written in a warm, mentor-style tone, each chapter ends with a simple worksheet and scoring system, allowing readers to evaluate their own choices with clarity and confidence.
Whether you are buying your first home, upgrading your lifestyle, or investing for the future, this book will help you slow down, ask better questions, and buy right.

Price Per Sq. Ft. is Lying to You

The Owner's Manual

The Rudiments of Real Estate

Where women build wealth, break barriers, and create lasting legacies through real estate investing.What happens when ambitious women step boldly into real estate investing and refuse to play small?"Creating Her Empire" is a powerful collection of stories, strategies, and hard-won wisdom from women who are building wealth, creating freedom, and leaving a legacy through real estate.Created as an extension of the "Creating Her Empire" movement, this inspiring anthology shares the real journeys of women navigating the traditionally male-dominated worlds of real estate and finance. Through stories of courage, reinvention, resilience, and success, these women reveal how they turned vision into action and action into abundance.More than a book about investing, "Creating Her Empire" is a book about possibility. It is about women claiming financial independence, building thriving businesses, creating passive income, and designing lives they truly love.Inside, you'll discover: <ul><li>Real stories from women investors who have built wealth, overcome challenges, and created lives of freedom and impact</li><li>Practical strategies for real estate investing, passive income, and long-term wealth</li><li>Encouragement for women entrepreneurs ready to grow a business, build confidence, and step into leadership</li><li>Powerful lessons in mindset, resilience, and abundance</li><li>A roadmap for wealth building, legacy creation, and intentional living</li><li>Inspiration for both beginning and experienced investors</li><li>A celebration of women supporting women in business, investing, and success</li></ul>Elegant, empowering, and practical, this book is for women ready to think bigger, invest smarter, and create more income, freedom, purpose, and impact.Compiled by Jenn Foster and Melanie Johnson, co-founders of Elite Online Publishing and accomplished entrepreneurs who help authors and thought leaders build influential brands, expand their authority, and share their expertise with the world.Featured Authors and Real Estate Investors: Maeli Nelson - Danicia Christensen - Xen Bliss - Aly Dickinson - Heidi Dunfield - Amie Nelson Earl - Mahealani Eddy - Alinda Rowley-Jensen - Shana Jones - Zerline Kersey - Makenzie Quintana - Magali Saunders - Whitnie Stark - Kathlene Tapia - Michelle Torres - Jennifer Wright - Tiffany Wright - Lesley Wan - Sam Wyner

Real Estate Investing Stories and Strategies, How Everyday Women Entrepreneurs Are Living Their Dream Life, Creating Wealth, and How You Can Too

Creating Her Empire

BUILT FROM THE GROUND UP

You are not bad with money. You have been running a system that was never built to accumulate anything - and running it harder has never worked.

Most people who cannot save have already tried. They downloaded the app. They tracked spending for eleven days. They were told, usually by someone earning considerably more, that the answer is coffee.

It is not coffee.

The Quiet First $15,000 is a plain-spoken, practical book about the one financial milestone that changes an ordinary life more than any other: the first five figures of accessible savings. Not wealth. Not early retirement. Just enough money, sitting in a boring account, that a broken car becomes an annoyance instead of an emergency - and a bad job becomes a choice instead of a sentence.

Written for people on ordinary wages with no windfall coming, it takes a different position from the rest of the genre: budgets do not fail because people are weak. They fail because a budget is a prediction, real months are unpredictable, and any system that makes you feel like a failure once a month has a lifespan measured in weeks.

WHAT'S INSIDE

- Why every budget you made collapsed - four structural defects, none about you
- The only calculation that matters, and why your surplus is smaller than you think
- The three recurring leaks that quietly drain $270 to $510 a month from careful households: the subscription layer, the convenience tax, and the replacement cycle
- The machine: a four-account structure and two automatic transfers that replace discipline entirely
- The ladder - $1,000, one month of costs, two and a half months, then five figures - and what each rung actually buys you
- How to handle job loss, illness, family obligations, and the long flat middle where most people quit
- The blown month: a ten-minute recovery protocol that stops one bad month from ending three years of progress
- A ninety-day setup plan requiring about six hours of work in total
- Chapters for low incomes, irregular incomes, heavy debt, children, and shared households

PERFECT FOR

Anyone earning an ordinary wage with nothing to show for years of being careful. Anyone tired of advice written by people who never had to choose between a dentist and a car repair. Anyone starting over at thirty, forty, or fifty-five. It also makes a useful, non-preachy gift for a school leaver, a new graduate, a first-time renter, or an adult child you want to help without lecturing.

No moralizing. No shame. No promises about returns. Just the arithmetic of an ordinary paycheck and a system that runs whether or not you are paying attention.

Start with the first thousand.

The Quiet First $15,000

Growth doesn't fail because the product was wrong. It fails because the numbers couldn't keep up.

The Profitable Retailer is a growth-minded financial playbook for retail entrepreneurs ready for a second location, a new channel, or their next real scale-up - built to help you grow fast without ever losing control of the numbers underneath that growth.

Inside, you'll learn how to:

- Master the four financial levers - margin, fixed costs, inventory efficiency, and cash timing - that determine whether growth strengthens or weakens your business
- Build your first real budget from actual history instead of hopeful guessing
- Price for genuine profit instead of a flat cost-plus formula you've never revisited
- Turn inventory into a growth weapon instead of a cash trap
- Forecast cash through a growth phase so a big investment never catches you short
- Calculate true unit economics - by product, location, and channel - before you scale anything further
- Choose the right growth financing path: bootstrapping, debt, or equity
- Run a complete financial checklist before opening a new location or channel
- Hire and build a management team without wrecking your margins
- Use data to decide what to stock, discount, or cut from your assortment
- Build a simple financial dashboard your team will actually use every week
- Scale your financial controls right alongside your stores and your team

The Profitable Retailer

You started your business because of your skill, not because you dreamed of spreadsheets - but every time you open your bank account, a wave of dread hits, and you close it again without doing anything. If bookkeeping feels like a language you were never taught, and numbers feel tangled up with your sense of worth as a business owner, this book was written for you.

Own Your Numbers is a warm, structured 90-day plan built specifically for women in the first years of running a coaching, consulting, or service-based business - the stage where you're doing everything yourself and "figuring out the money part" feels like one more overwhelming task on an already full plate. Instead of a mountain of jargon, you get a clear day-by-day path: small, repeatable actions that turn financial avoidance into financial confidence, one manageable step at a time.

Inside, you'll learn how to:

- Separate business and personal money for good, with a simple setup that removes the guesswork
- Choose a bookkeeping system you'll actually use, without getting lost in software overwhelm
- Understand the real difference between revenue and profit, so you know what you're truly earning
- Categorize expenses with confidence, including what a deduction actually is
- Price your services using real numbers instead of fear or guesswork
- Set up a cash flow system so uneven income stops feeling like a crisis every month
- Build an automatic tax savings habit that helps you avoid nasty surprises
- Read your own monthly financial reports and use them to make real decisions

What's inside: eleven substantial chapters organized into six clear stages - Foundation, System, Categorizing, Confidence with Cash, Taxes Without Panic, and Ownership - each ending with a practical checklist and a specific "confidence milestone" to mark your progress. A full appendix of ready-to-use templates, including the Weekly Money Check-In, the Monthly Review ritual, a starter expense category list, and a list of smart questions to bring to a tax professional.

Perfect for coaches, consultants, and first-time solo entrepreneurs who feel capable in their work but shaky with their numbers - especially if you've been avoiding your bank app, guessing at your prices, or dreading tax season. As a bonus, the built-in 90-day structure means you always know exactly what to focus on next, without needing to figure out the "right order" yourself.

This book won't promise guaranteed financial security or a specific income - no honest guide can. What it offers instead is something more durable: a repeatable system and the quiet, earned confidence that comes from finally understanding your own numbers.

Own Your Numbers

The outcome of your first home purchase is decided before the first showing.

Budget, credit, financing, contracts, inspections, and closing are not separate steps. In the right sequence, they work together to reduce costs and control risk. Drawing on 33 years of field experience, California real estate broker Karl Chu helps first-time buyers ask the right questions, verify professional advice, and maintain control throughout a U.S. real estate transaction.

Six essential home-buying skills you'll build:

1. A realistic housing budget based on income and cash flow
2. Credit, DTI, down payment, and overseas-fund preparation
3. Buyer Representation Agreement and agent compensation negotiation
4. Control of offer price, contingencies, and escrow timeline
5. Protection from inspection, appraisal, underwriting, and wire-fraud risks
6. The first 30 days after closing and long-term home maintenance

Every page is color-coded - FACT, PRACTICE, CASE, INSIGHT, WARNING, CHECKLIST - so you can identify each type of information at a glance.

Book 1 of the TK Karl Chu Smart U.S. Real Estate Series. Also available in Spanish and Korean.

The Smart Home Buying & Mortgage Guide

The Disclosed Record

You cannot buy Long Island. You already own what it moves.

Eight hundred hectares of new land are proposed off Singapore's East Coast. Almost everything written about it comes from a two-page media release.

This book comes from the documents behind it - a 557-page environmental study, a statute passed in 2026, a code of practice, and a line in a planning timetable from 1991.

It does not forecast what Long Island will be worth. Nobody knows, and the agencies building it say so in their own publications. What it does is set out the record - who said what, on what date, in which document - and then teach you to read land in Singapore for yourself.

That method survives every outcome. If the reclamation is delayed a decade, redesigned, or quietly dropped, it still works on any address in this country.

What you can check

¿ Every claim about Long Island is traced to a dated document - Appendix A, one line each.
¿ The primary sources are public and free: the statute, the Code, the Environmental Study, the Master Plan, Hansard.
¿ Six corrections are printed where the error was made, not quietly fixed in the next printing.

Book Two of The Disclosed Record, from the author of The Wall Came Down.

How Singapore Builds Land - and What It Does to the Property Behind It

Long Island

Fai da tech

Ledizioni

L'intelligenza artificiale per amministratori di condominio offre una panoramica sull'utilizzo dell'IA negli ambiti dell'amministrazione condominiale. Il libro illustra metodi per ottimizzare la comunicazione con i condòmini, la preparazione e la conduzione delle assemblee, e la prevenzione di problemi attraverso l'utilizzo proattivo delle tecnologie IA. Con contenuti basati su esempi pratici, casi di studio e segnalazioni delle principali piattaforme di IA (non solo ChatGPT), il testo - nato da un'idea di Gianluigi Bonanomi e VeryFastPeople - si rivela una guida essenziale per gli amministratori di condominio che desiderano implementare soluzioni innovative nei loro processi lavorativi.

L' intelligenza artificiale per l'amministratore di condominio: nuovi scenari

The Multifamily Deal Analyzer

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