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Shane Enete

Whole Heart Finances

A Jesus-Centered Guide to Managing Your Money with Joy

It's Not too Late to Build Toward a Better Future!Rick Caruso has earned a reputation for being a problem solver--somebody who's not afraid of facing big challenges. From his appointment to Water Commissioner and later Police Commissioner in Los Angeles to his bold real estate ventures, Caruso made the decisions he felt were right, even in the face of staunch adversity. In Its Not Too Late, Caruso shares the lessons he learned from his experiences while offering us all a path forward to a better future. At a time when more importance is placed on choosing sides than actually getting things done (let alone done right), Caruso offers refreshing perspective and will teach you how to let go of false divisions, and instead to embrace the search for actual answers and solutions.Togetherness, brotherhood, sisterhood, faith in each other, respect for each other, the ideals preached in almost every faith on Earth are the way forward, no matter how difficult the climb in front of us may seem. And ultimately, the only way we will get back on that path is for each of us to step up, with integrity, in whatever small way we can: for our kids, for our communities, for our country, and for each other.

The Power of Finding Steadfast Solutions

It's Not Too Late

“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.

Paper Cut

A blueprint for growing beyond your pain and healing the hurts in your relationships through the power of intimacy, sacred sexuality, and self-knowledge from relational teacher Stefanos Sifandos. Do you find that the same issues come up in your relationships over and over? Do you struggle to experience pleasure? Are you longing for connection but unsure where to seek it and how to sustain it? What if the answers to these questions aren't somewhere outside you, waiting to be found, but inside? What if the quest for true intimacy starts within? In these pages, relational teacher and educator Stefanos Sifandos invites you to turn inward. He draws from personal experiences and client stories, as well as behavioral science, psychology, and both Eastern and Western wisdom traditions, to help you: · Understand the difference between sex and sacred sexuality · Heal from past traumas and inner wounds · Unlock the flow of erotic energy · Experience intimacy in a way that deepens your romantic relationship · Reach an expansive new level of self-awareness and emotional freedom On this journey, you'll follow your sensual energy deep into every aspect of your self-physical, mental, emotional, relational, spiritual, and sexual. You'll discover how, when you experience your sexuality as both sacred and powerful, you can break the cycles that are keeping you stuck and create a richer, more embodied life.

A Path to True Connection, Deep Healing and Lasting Love

Tuned In and Turned On

A SHORT COURSE IN BASIC FINANCE. LEARN FAST AND CHECK YOUR PROGRESS WITH PRACTICAL EXERCISES 7 Lessons in Finance For Non-Financial Managers&nbsp;is a simple training course in basic finance, giving you everything you need to know in just seven short chapters. From the profit statement and the balance sheet through to costing and budgets, it will help you deal confidently with questions such as 'What is the return on investment?', 'Do we have the resources?' and 'What are the cash implications?' * Lesson 1: The profit statement * Lesson 2: The balance sheet * Lesson 3: Published accounts * Lesson 4: Accounting ratios and investment decisions * Lesson 5: Cash and working capital * Lesson 6: Costing * Lesson 7: Budgets Explore the main themes and ideas, get a basic knowledge and understanding of the key concepts, and test your progress with practical and thought-provoking exercises.&nbsp;7 Lessons in&nbsp;Finance For Non-Financial Managers&nbsp;is your fastest route to success. ABOUT THE SERIES 7 Lessons&nbsp;books are for managers, leaders, and executives who want to succeed at work. From negotiating and content marketing to finance and social media, the series covers the business topics that really matter and that will help you make a difference today. Written in straightforward English, each book is structured as a seven-day course so that with just a little work each day, you will quickly master the subject. In a fast-changing world, this series enables you not just to get up to speed, but to get ahead.

Master the Basics of Finance in 7 Steps

7 Lessons in Finance for Non-Financial Managers

No-Income DSCR Loans is the definitive guide to buying, refinancing, and scaling rental real estate without tax returns, paystubs, or debt-to-income ratios.
Written by Joseph G. Correa, Licensed Mortgage Broker at Finibi Mortgage, this book reveals how professional investors use asset-based DSCR lending to build portfolios that finance themselves and grow without personal income limits.

Inside this book, you will learn:
 ¿ How DSCR underwriting actually works
 ¿ How lenders calculate qualifying rent and loan size
 ¿ How to buy rental properties with no income verification
 ¿ How to structure LLCs and entities for DSCR approval
 ¿ How to use interest-only, 40-year, and portfolio loans to boost cash flow
 ¿ How to refinance and pull cash out without W-2s or tax returns
 ¿ How to scale from one property to dozens without hitting borrowing limits
 ¿ How to stress-test DSCR deals so they survive market downturns
 ¿ How to use DSCR loans for long-term family wealth and legacy planning

This is not theory. This is the same financing framework used by institutional investors, hedge funds, and professional landlords - now available to everyday real estate investors.
If you want to buy more properties, protect your income, and build a portfolio that lasts for generations, this book gives you the blueprint.
Get started today and discover how DSCR loans unlock true financial freedom through real estate.

How to Get Approved Without Tax Returns or Paystubs

No-Income DSCR Loans

An unconventional, hands-on guide to turning ideas into products that matter—and that people love—from the legendary Silicon Valley pioneer, founder of Zynga, and creator of Stanford Graduate School of Business’s product management course.Mark Pincus has been at the forefront of each iteration of the internet. He built the original app company ahead of the mobile app economy&nbsp;and sold virtual goods to the masses long before in-app purchase generated $85 billion on smartphones. As the founder of Zynga, he brought us FarmVille, CityVille, and Words with Friends, launching eight hit games and reaching more than a billion users in four years.&nbsp;&nbsp;&nbsp;&nbsp;Pincus has turned hit-making into a repeatable system, birthing one of his favorite guiding principles that “all new fails”. Life at the Speed of Play is his framework for moving faster and massively increasing your odds of success. His insights and advice are essential in the new world of AI, where&nbsp;speed of testing and learning defines winners.Bursting with wit, wisdom, and a core belief in tech’s endless capacity, each chapter of Life at the Speed of Play contains actionable takeaways based on Pincus’s unorthodox “Mark-isms” including “hire people with broken resumes,” “protect investors from themselves,” and, paradoxically, to “f*** scale” in favor of quality over quantity.What They Don’t Teach You at Harvard Business School for the twenty-first century, here is the essential “bible” for entrepreneurs, product managers, innovators, and anyone who has an idea—digital or analog—that they dream of turning into a reality.

Launch Products People Love!

Life at the Speed of Play

JobSkills 2030 - Zukunftskompetenzen gezielt entwickeln

Wie bleibt man in einer sich rasant verändernden Arbeitswelt nicht nur relevant, sondern geht aktiv voraus? 'JobSkills 2030' ist der praxisorientierte Karriereratgeber für alle, die ihre berufliche Zukunft proaktiv gestalten wollen.

Karriere- und Change-Expertin Dr. Urte Hotje zeigt anhand der innovativen SHIFT-Canvas, wie zentrale Kompetenzen wie Adaptabilität, Selbstführung und Resilienz strategisch aufgebaut und gefestigt werden können. Fundiert, umsetzbar und wissenschaftlich basiert bietet das Buch Orientierung und Tools für alle Berufstätigen in Zeiten des Wandels.

Was das Buch bietet:
<ul>
 <li>Selbsteinschätzung: Wie gut bist du auf die Arbeitswelt von morgen vorbereitet?</li>
 <li>Die SHIFT-Canvas: Ein innovatives Modell für Zukunftsfokus, Energiemanagement und lebenslanges Lernen</li>
 <li>Human Touch &amp; Tridextrie: Warum empathische Kommunikation und der Dreiklang aus operativem, strategischem und innovativem Denken entscheidend sind</li>

Ein praktischer Leitfaden für Angestellte, Führungskräfte und Selbstständige, die die Chancen der Transformation erkennen - und für sich nutzen wollen.
</ul>

Dein Upgrade für die Arbeitswelt von morgen

JobSkills 2030

BESTSELLING FOOTBALL SUPERSTARS SERIES. FULLY ILLUSTRATED WITH CARTOON ARTWORK, this globe-trotting guide celebrates the greatest players ever to shine on football's biggest stage. From legends like Pelé and Diego Maradona to modern icons such as Marta and Alex Morgan, plus today's superstars including Kylian Mbappé and Harry Kane, this book brings together the heroes who made World Cup history. Packed with bold cartoon illustrations, unforgettable moments and epic goals from both the men's and women's tournaments, it's a fun, fast-paced journey through the stories that defined the World Cup. Perfect for football-mad kids who dream of lifting the trophy - or just love the beautiful game. Football Superstars is a fast-paced, highly visual series combining bold cartoon illustrations, clear storytelling and a lively cast of characters who add jokes, quotes and commentary throughout.

Football Superstars: Heroes of the World Cup Rule

Why Money is Broken for Women and How We Fix It

It's a Rich Man's World

The gripping, definitive account of the secretive family behind one of the most powerful financial institutions in the world. When Edward C. Johnson II founded Fidelity in 1946, investing was a pursuit reserved for the elite. Today, nearly $13 trillion flows through Fidelity's customer accounts and investment funds-touching the lives of one in every six Americans. With little fanfare, Fidelity helped invent modern retail investing: democratizing access to mutual funds, introducing the 401(k), and upending the need for traditional brokers. But behind the scenes of this financial juggernaut is a family saga unlike any other. In House of Fidelity, veteran journalist Justin Baer tells the definitive story of the Johnsons-a New England dynasty that fiercely guarded control of their company while reshaping Wall Street. From the founder's bold leap into Boston's insular investing circles, to the meteoric rise of Peter Lynch, to behind-closed-doors battles over succession and legacy, Baer reveals a company and a family locked in a delicate balance of innovation, influence, and internal power struggles. At once a riveting business narrative and an intimate portrait of ambition, secrecy, and control, House of Fidelity is a sweeping history of American investing-and the dynasty that came to define it.

The Rise of the Johnson Dynasty and the Company That Changed American Investing

House of Fidelity

Sustainable Development Goals Series

This book is open access, What makes people competent at work? This question is becoming complicated with the emergence of new technologies and the hastened pace of global economic exchanges. While there is less consensus about what people should know and be able to do to be rewarded in the workplace, the discussion about skills and competencies becomes even hotter among those who express concern about the gaps between the demands and supplies of "skilled" workforces.
&nbsp;
Given this situation, one of the main objectives of this book is to clarify the true nature of often-discussed "skills gaps", using the cases of manufacturing workers in the Global South. Instead of discussing the issues based on a broad, ambiguous understanding of human abilities, after an extensive, cross-disciplinary review of the literature and theorization, the book proposes a detailed classification of cognitive, non-cognitive (including socio-emotional skills and personality traits), and technical abilities. Then, it presents both contextually relevant and generalizable explanations about relationships among them. By doing so, the volume offers insights for policymakers and practitioners seeking ideas to reform their human resources development policies and practices.
&nbsp;
The second objective of the volume is to propose the analytical perspective of Realist-Constructivism, using the "skills gaps" analysis as the empirical case, to demonstrate its theoretical, conceptual, and practical capacities to overcome the dichotomy between induction and deduction through abductive reasoning with a set of instruments to collect data that enable such analysis.
&nbsp;
Empirical surveys, using a set of questionnaires and skills assessment we developed, were conducted in four countries in the Global South: Ethiopia, Ghana, South Africa, and Pakistan. With Realist-Constructivism, we can consider work-related competencies in close relation to the specific workplace requirements and culture, while situating them within broader industrial, economic, and regulatory frameworks. Our methods and instruments enable us to link the subjective epistemologies of competencies among individuals in the micro-ecologies of the workplace with the ontological realities of labor market opportunities and evaluations.

A Realist-Constructivism Analysis of Work Competencies in the Global South

Mitigating the “Skills Gaps”

Using DSCR Loans to Scale Faster reveals how real estate investors break free from traditional lending limits and build large, cash-flowing rental portfolios using cash-flow-based financing instead of personal income.

If you have ever been told you "make too much on paper," "don't show enough income," or "already have too many mortgages," this book shows you the system professional investors use to keep buying anyway.

Written by licensed mortgage broker Joseph G. Correa of Finibi Mortgage, this book walks you step-by-step through how DSCR loans turn rental income into unlimited borrowing power - allowing you to scale faster, safer, and smarter than conventional financing ever allows.

You will learn how to turn every profitable property into a self-funding growth engine that keeps buying more properties without destroying your credit, your taxes, or your lifestyle.
Inside this book you will discover:
¿ How DSCR loans replace W-2s, tax returns, and DTI with rental cash flow
 ¿ Why most investors hit a financing wall - and how DSCR removes it
 ¿ How to structure properties inside LLCs for unlimited borrowing power
 ¿ How to refinance DSCR loans to recycle capital without selling
 ¿ How professional investors stack DSCR lenders to avoid growth limits
 ¿ How to manage leverage so your portfolio survives recessions
 ¿ How to convert DSCR portfolios into long-term passive income
 ¿ How to rebalance and extract equity without triggering taxes
 ¿ How to build a DSCR-powered real estate empire that compounds forever
Whether you are buying your first rental or scaling toward 50+ properties, this book shows you how to use DSCR financing as a strategic growth engine instead of a simple mortgage. 
Who this book is for:
 ¿ Real estate investors who are maxed out on conventional loans
 ¿ Self-employed borrowers and business owners
 ¿ Short-term rental and Airbnb investors
 ¿ Portfolio landlords and multifamily investors
 ¿ Anyone who wants to build wealth using rental cash flow instead of W-2 income
If you are ready to stop being limited by banks and start letting your properties qualify for themselves, Using DSCR Loans to Scale Faster gives you the blueprint.

How Investors Buy More Properties Without Hitting DTI Limits

Using DSCR Loans to Scale Faster

Whole Heart Finances

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