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This publication conforms to WCAG 2.0 Level A, except for the following: Some information-conveying images do not have alt text.

Das Erscheinungsbild aller Textinhalte kann angepasst werden

Shane Enete

Whole Heart Finances

A Jesus-Centered Guide to Managing Your Money with Joy

SAME MARKETS.
DIFFERENT PLAYERS.
A RIGGED OUTCOME.
We are all told that the financial markets are a level playing field, where knowledge, skill and patience are rewarded.
But if everyone sees the same prices, the same news and the same opportunities, why are the outcomes so different?
The Rigged Game pulls back the curtain on the forces that quietly shape those outcomes: fear and greed, market cycles, volatility, crowd behaviour, mean reversion, compounding and time.
These forces can punish impatience, reward discipline and create opportunities precisely when most investors are least willing to take them.
Through real-world experiences, sharp insights and practical frameworks, this book explores why the biggest investment edge may not be superior intelligence, better information or perfect timing, but the ability to behave differently when everyone around you is doing the same thing.
This is not a book about quick tips or get-rich-quick schemes. It is about understanding the game well enough to recognise its most counterintuitive truth:
The odds may be far more in your favour than you think.
KNOW THE GAME.
PLAY IT SMARTER.

How Patient Investors Always Win Over Time

The Rigged Game

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 revolutionary way to approach the challenges of making and maintaining meaningful friendships. There is an assumption that good, worthwhile friendships should come easily. However, for neurodivergent adults, friendship can be hard. From differences in the parts of the brain that are vital to managing the logistics of a fulfilling social life to difficulty with self-regulation, the way neurodiverse individuals experience social bonding and connection can feel unintuitive. Written by a social emotional learning expert, Friendship Skills for Neurodivergent Adults is a guide to navigate these differences, broken into three parts: · How friendship works · How to find your people · How connecting will get you in motion Each part offers simple, science-based, practical advice including scripts, tips and strategies to combat loneliness and help you find the belonging and support of lifelong friendships. By the end of this book, you will feel less alone, and have the tools to understand the unique way you can approach friendship. Caroline Maguire, ACCG, PCC, MEd, is an in-demand expert in social emotional learning and sought-after speaker for organisations and schools. As a neurodivergent person with ADHD, dyslexia and learning disabilities, she is proud to be a featured TEDx speaker and keynote presenter at the International Conference on ADHD. She lives in Massachusetts.

A Guide for the Anxious, Uniquely Wired and Easily Distracted

Friendship Skills for Neurodivergent Adults

DK How Stuff Works

Investing isn't just for the rich. It's for everyone who wants to grow their money - in a smart and sustainable way.From compound interest to index funds, How Investing Works demystifies the complex world of investing with clear, visually-led explanations. Using the series' signature mix of infographics, charts, and easy-to-follow diagrams, this book turns financial theory into practical knowledge.Whether you are saving for your first home, investing for retirement, or simply trying to make your money work harder, this guide shows how to build a strong foundation, avoid common mistakes, and stay on track through life's ups and downs. Discover how markets function, what terms like "diversification" and "risk tolerance" really mean, and why long-term thinking always beats chasing quick wins. With sections on behavioural psychology, ethical investing, cryptocurrency, and global strategies, How Investing Works equips you with the tools to grow your wealth and invest with confidence.

The Concepts Visually Explained

How Investing Works

Harriman House Essentials

No Worries

Mastering the Invisible Shifts That Shape Your Career

The Five Stages of Career Growth

The Essential Retirement Guide Series

Retirement is closer than you think.

 And the decisions you make right now can shape the freedom, security, and peace of mind you enjoy for decades to come.

The Essential 401(k) &amp; IRA Retirement Guide is a clear, practical guide for people who are approaching retirement, rethinking their plans, or already retired and wondering if they made the right moves. If you want to help make informed decisions about what you've built, reduce unnecessary taxes, and make confident decisions about your money-without financial jargon or sales pitches-this book was written for you.

Many retirement guides focus only on saving more. This one focuses on using what you already have wisely.

Inside, you'll learn:
How 401(k)s and IRAs really work as you near or enter retirement
When Roth conversions may reduce lifetime taxes-and when they can backfire
How required minimum distributions (RMDs) affect your income and Medicare costs
Smart ways to consolidate old accounts and simplify your financial life
How to avoid common withdrawal mistakes that quietly drain retirement savings
When it makes sense to take money out-and when patience pays off
How to align your retirement accounts with the life you actually want to live



This book is designed for real people with real concerns:
"Have I saved enough?"
"Am I paying more taxes than I should?"
"What happens when I stop working?"
"How do you manage your money wisely in retirement-without constant worry?"



Using plain language, relatable examples, and step-by-step guidance, The Essential 401(k) &amp; IRA Retirement Guide helps you replace uncertainty with clarity-and anxiety with a plan.
Whether retirement is five years away, next year, or already here, this guide gives you the tools to take control, make informed choices, and move forward with confidence.

Your retirement isn't just a number.
 It's your time, your freedom, and your future.
 This book helps you protect all three.

This book is intended for educational purposes only and does not provide personalized financial, tax, or investment advice.

What to Do With Your Retirement Accounts Before and After You Retire

The Essential 401(k) & IRA Retirement Guide

Your journey toward financial freedom begins with your first step.
You do not have to be rich to begin. You only have to begin to become free.
Your future is the best investment you can make.

Here's how to do it

The First Million is the Hardest

Part life philosophy, part financial clarity, and part real-world wisdom from a hugely popular estate planning attorney who has seen what happens when families plan and when they don't. I'm Sorry I'm Dead helps readers confront the reality of life's end, not in a morbid way, but in a deeply empowering one. Estate planning attorney, entrepreneur, and best-selling author Pamela Maass Garrett aka Law Mother has helped thousands of families navigate what happens when someone dies. She has seen firsthand that the biggest problems families face are rarely legal: they are emotional, relational, and the result of decisions never made . . . siblings that stop speaking over a dispute about their parent's home, a grieving widow locked out of bank accounts because she didn't know how to get access, and families forced to guess about critical medical decisions. All of these problems can be easily avoided. In this book, Garrett introduces a powerful mindset shift: when you face the end of life honestly, you begin living more intentionally today. Through compelling stories from real families, practical financial insights, and simple decision-making frameworks, readers learn how to take control of their lives before circumstances take control of them. The book guides readers through the most important life decisions most people avoid: · how to organize finances and build real wealth · how to protect loved ones legally and emotionally · how to make difficult family decisions before crisis strikes · how to prevent conflict, confusion, and regret after death · how to create a legacy that strengthens future generations rather than unintentionally burdening them with a huge tax bill · what you really can and can't do Rather than overwhelming readers with technical legal details, I'm Sorry I'm Dead offers a clear philosophy and practical tools for making the decisions that matter most. The result is a life lived with greater clarity, stronger relationships, and the peace of knowing the people you love will be protected. This book is for anyone who wants to stop drifting through life and start deciding it.

Estate Planning to Protect the People You Love and Leave Behind More Than Money

I’m Sorry I’m Dead

“Darkly addictive with a blistering pace and puzzle-box structure” —Katy Hays, New York Times bestselling author of The Cloisters A page-turning suspense debut about a woman infamous for escaping a cult as a teenager, who finds her future threatened when dangerous secrets come back to haunt her—perfect for fans of Jessica Knoll and&nbsp;The Girls.Everybody knows the story. Nobody knows the truth…Lucy Golden is a true-crime icon, infamous for the murder she committed while escaping a California cult twenty years ago. But as everyone in Los Angeles knows, fame is fleeting, and Lucy and her story are always just one news cycle away from obscurity. Not to mention, she’s fending off a stalker and moderating an icy feud between her acclaimed photographer mother and her scandalous rock star sister. Worst of all, online trolls are asking increasingly threatening questions about the legendary crime. Questions that could tear her life apart.So when a hotshot documentarian makes her case the subject of his next film, Lucy sees a chance to silence any doubters once and for all. But as filming begins, she must return to the California desert and come face-to-face with a cast of players from her torrid history. Of course, the past is never what it seems, and long-buried secrets soon collide with present-day threats. Can Lucy stop her critics from digging up the truth before it’s too late? And how far will she go to protect the story she’s been telling—and selling—all along?Told in a narrative split between the present day and Lucy’s hit memoir about her fated summer in the cult,&nbsp;Paper Cut&nbsp;combines psychological suspense with coming-of-age Californian cult noir and a sharp examination of the true-crime phenomenon. As incisive as it is propulsive, this mesmerizing debut will keep readers hooked until the last page.

A Novel

Paper Cut

Now in paperback, YouTube powerhouse and self-made millionaire Rose Han shares the practical tools to overcome financial struggle and watch your net worth grow-one zero at a time "The no-fluff, full-heart financial wake-up call you need." - Amy Porterfield, author of The New York Times bestseller Two Weeks Notice There's no doubt about it: the financial struggle is real, especially in a world that isn't designed to help you get ahead. But whether you're in debt or simply feel like your paychecks vanish as soon as you get them, you can learn to take control of your money. Financial freedom isn't the mystery we're taught to believe it is. You just need a plan to get there that actually works. On her self-made journey going from $100K in debt to millionaire, money expert Rose Han learned the simple set of strategies it takes to achieve lasting wealth and financial freedom. With her detailed and doable road map, you will learn: · The mindset shifts you need to break through the emotional barriers keeping you stuck · A proven system to eliminate debt and take control of your spending · The exact strategy to exponentially grow your wealth from $0 to $10,000, then to $100,000, and finally to $1,000,000 · Simple investment plans and income streams that make money while you sleep If you missed the memo on getting rich, now is the time to turn your goals into a reality-one zero at a time!

A Step-by-Step Guide to Financial Freedom and Getting to Your First Million

Add a Zero

How to Qualify for a DSCR Loan: The Step-by-Step Investor Approval Playbook is the definitive guide for real estate investors who want to access rental property financing without income limits, tax returns, or debt-to-income restrictions. Written by licensed mortgage broker Joseph G. Correa of Finibi Mortgage, this book reveals how professional lenders actually evaluate investment properties and how you can structure deals for approval before you ever make an offer.

Inside this book, you will discover:How DSCR lenders calculate rental income and what numbers they really use
How to control approval using down payments, leverage, and loan structure
How credit, liquidity, and reserves impact investor risk tiers
How property type, market strength, and vacancy affect DSCR
How to stress-test deals so they survive rate hikes and market shifts
How to avoid denials, delays, and last-minute deal killers
How to build a repeatable system that allows you to scale without hitting income limits


Whether you are buying your first rental or building a multi-property portfolio, this book gives you the exact framework used by professional DSCR lenders to decide who gets approved and who does not.

If you are ready to stop guessing and start building with confidence, this book is your blueprint. Use it to analyze every deal, structure every offer, and grow your rental portfolio with precision and control.

The Step-by-Step Investor Approval Playbook

How to Qualify for a DSCR Loan

Whole Heart Finances

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